Prestige International : FY2025.3 | Financial Results for the Fiscal Year Ended March 2025 with Explanation

This document has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.

Financial Results

Fiscal Year Ended March 2025

April 1, 2024 - March 31, 2025

May 9, 2025

Securities Code 4290

This document has been translated from the Japanese original for reference purposes only. In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.

Executive Summary

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2

▍Financial Results Summary for FY2025.3

▍Financial Results Summary for FY2025.3 by Segment

▍Financial Forecast for FY2026.3

▍Shareholder Returns

▍ESG・Sustainability

▍Appendix

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3

▍Financial Results Summary for FY2025.3

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4

Summary of Consolidated Results｜FY2025.3

• Sales

• Operating profit

In addition to increased sales in various segments through the expansion of our mainstay assistance services, the Financial Guarantee Business also drove sales growth with an increase in the number of contracts, overcoming the impact of the completion of vaccine-related operations.

Despite the completion of vaccine-related operations and higher personnel and towing expenses for partner companies in the Automotive Business, profits increased through the expansion of profitable businesses.

• Profit attributable to owners of parent

Net income declined mainly due to a decrease in extraordinary gains from the sale of investment securities in the previous fiscal year, the reduction of tax benefits from the liquidation of subsidiaries and a decrease in tax credits for a wage increase incentive system.

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5

First, please refer to page five. Details by segment will be provided later.

As for the overall performance, net sales increased 8.5% YoY to JPY63.7 billion, generally in line with the plan. Excluding the Customer Business segment, all other segments saw strong demand, which led to an increase in workload and the number of service contracts. In addition, price revisions contributed to performance, resulting in overall steady growth.

Operating profit rose slightly from the previous year to JPY7,961 million, nearly reaching the planned level.

Ordinary profit remained nearly unchanged from the previous year, as the decline in foreign exchange losses offset the decrease in equity in earnings of affiliates.

Net profit declined, mainly due to the absence of the special gain from stock sales and the tax effect related to a subsidiary liquidation recorded in the previous year. Although we benefited from the wage-increase tax incentive this year, the total amount of tax credits was lower than in the previous year, which also contributed to the decline.

Consolidated P&L Statement｜FY2025.3

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6

Consolidated Balance Sheet｜As of End of March, 2025

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7

We will now move on to the balance sheet. Current assets increased by JPY1.16 billion in advanced rental payments related to rent guarantees and by JPY400 million in work in progress for system development and related activities.

Fixed assets increased due to the recognition of assets related to the new BPO center opened in Ichinoseki City, Iwate Prefecture, in June last year. As for current liabilities, unrealized contract liabilities related to rent guarantees increased by JPY214 million, and provisions for rent guarantee rose by JPY348 million. In addition, provisions for bonuses increased by JPY265 million, and deffered revenue rose by JPY263 million, among other items.

Q1 Q2 Q3 Q4

63,719

60,000

58,738

54,562

16,118

50,000

46,744

14,993

14,110

42,377 40,617

40,000

37,196

12,483

33,119

10,672

16,830

10,568

14,981

9,816

14,272

30,000

27,328

29,477

23,385 24,225 22,223 24,619

8,684

11,967

6,936

7,596

11,016 10,309

20,000

6,281

6,133

6,010

6,570

9,478

8,488

14,845

15,721

7,674

13,568

6,010

5,716

5,782

6,462

6,920

9,271

10,687

10,266

11,599

10,000

7,238

8,079

5,838

6,449

5,422

6,050

6,816

10,001

10,693

12,611

13,917

15,048

5,254 5,926 5,007

5,536

6,654

6,967

7,866

8,630

9,473

0

FY12.3 FY13.3 FY14.3 FY15.3 FY16.3 FY17.3 FY18.3 FY19.3 FY20.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Quarterly Sales

(million yen)

Due to rounding down fractions, some values may not equal the sum of the separate figures.

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8

Q1

Q2

Q3

Q4

OPM(Full-year)

14.6% 14.4%

13.5%

10,000

12.6%

12.8% 12.8%

12.6%

12.9%

12.5%

12.0%

12.2%

11.7%

11.2%

12.0%

8,000

9.8%

7,840

7,921

7,961

6,842

1,799

2,066

1,961

9.0%

6,000

5,233

1,918

4,687 4,959

4,230

2,201

1,374

1,997 2,270

6.0%

4,000

3,768

1,179

1,491

1,860

2,621

2,000

891

619

605

504

2,380

720

468

651

540

2,809

746

782

672

609

2,952

762

737

790

661

3,345

966

1,064

1,368

1,362

1,247

1,953 1,967

1,051

1,193

2,000

858

745

775

926

1,314

1,579

3.0%

877

877

1,023

1,128

1,886

899

933

978

1,289

1,296

1,484

1,889

1,729

0

0.0%

FY12.3 FY13.3 FY14.3 FY15.3 FY16.3 FY17.3 FY18.3 FY19.3 FY20.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Quarterly Operating Profit

(million yen)

Due to rounding down fractions, some values may not equal the sum of the separate figures.

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9

Sales

Operating Profit

Q1 Q2 Q3 Q4

Q1 Q2 Q3 Q4

FY12.3 FY13.3 FY14.3 FY15.3 FY16.3 FY17.3 FY18.3 FY19.3 FY20.3 FY21.3 FY22.3

FY23.3 FY24.3 FY25.3

FY12.3 FY13.3 FY14.3 FY15.3 FY16.3 FY17.3 FY18.3 FY19.3 FY20.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Reference｜ Impact of Vaccine-Related Operations on Financial Results

• The growth of existing businesses remained steady.

• FY2025.3 YoY excluding vaccine-related operations ▶ Sales: +11.2%｜Operating Profit: +9.5%

The information on this page has not been reviewed by the accounting department or audited by an auditor or accounting firm and is provided for IR purposes only.

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10

The vaccine related operationhad contributed to our performance over the past three years, until last year. In FY2025, we discontinued vaccine related operations.

Excluding this factor, revenue from our existing core operations increased by approximately 11% YoY, while operating profit rose by around 9.5%.

▍Financial Results Summary for FY2025.3 by Segment

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11

Summary of Financial Results by Segment ｜FY2025.3

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12

Let me now explain the results by business segment.

FY2025.3

Sales

YoY (%)

Operating Profit

YoY (%)

27,254 million yen

(+7.7%)

3,448 million yen

(-2.6%)

Automotive Business

Sales (million yen)

Operating profit (million yen)・OPM

Q1 Q2 Q3 Q4

14.7%

14.0%

1

30,000

12.7%

27,254

4,500

12.2% 12.3%

25,300

1

23,281

6 4

3,542 3,448

20,878

6 2

1

■

Sales increased thanks to an increase in the number of policies, primarily for non-agency related direct auto insurers.

19,810

20,000

6 4

3,000

2,909

2,861 1 4

4

7 5 4

7

9

2,557

8

■

Sales increased as a result of the expansion of the business of a major client of car accessories retailer and the launch of assistance services for a new major used car sales company.

6 3

6 6

6

5

6

10,000

6

0

5

9 6

2

1,500

4

■

Profit decreased marginally due to higher unit prices and expenses for partner companies, as well as delays in revising commission fees for some client companies.

5

6

2

4

0 5

2 6 9

■

Strengthening the Group company Premier Assist Inc. helped retain cash within the Group by expanding the roadside assistance network.

0

0

0

FY21.3 FY22.3 FY23.3 FY24.3 FY25.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Due to rounding down fractions, some values may not equal the sum of the separate figures.

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13

726

717 625 625 691

702

567

810

702

,472 4,74

,310 5,76

,156 5,28

,194 5,46

First, I will explain the Automotive Business segment. For the road assistance services we provide to non-life insurance companies, the number of contracts decreased for some clients. Although some contracts were terminated during the fiscal year, the total number of service contracts increased. In addition, the rise in dispatch volume led to higher transaction-based revenue, which also contributed to overall sales.

We also saw strong demand from mass retailers such as automakers, dealers, and car accessory stores due to labor shortages. By capturing new business and expanding existing business, we achieved steady sales growth.

On the other hand, rising wages and higher prices led to an increase in the cost per dispatch in the road assistance service. Unplanned contract terminations during the fiscal year and difficulties in negotiating price revisions in some cases had an impact, resulting in a slight decline in operating profit.

FY2025.3

Sales

YoY(%)

Operating profit

YoY(%)

8,652 million yen

(+22.5%)

730 million yen

(+45.4%)

Property Business

Sales (million yen)

Operating profit (million yen)・OPM

Q1 Q2

10,000

Q3

Q4

9.4%

1,000

9.3%

9

8,652 8.4%

8

7.1%

7,500

7,061 2,318

750

730

6.6%

7

6,482

■

Sales increased due to the expansion of Home Assist on-site support services for rental apartment complexes.

5,982

1,830

6

5,375

1,636

557

507

502

5,000

1,551

2,322

5

500

■

On-site support services for rental apartment complexes progressed as planned, resulting in increased profits.

1,396

1,716

1,664

429

4

1,489

1,365

■

Strengthening the Group company Premier Assist Inc. helped retain cash within the Group by expanding the roadside assistance network.

2,046

3

2,500

1,308 1,503 1,635

1,841

250

2

1,304 1,438 1,547 1,674 1,964

1

0 0 0

FY21.3 FY22.3 FY23.3 FY24.3 FY25.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Due to rounding down fractions, some values may not equal the sum of the separate figures.

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14

103

131

107

130

119

112 52

Next, I will explain the Property Business segment. The number of condominium units sold by major developers declined, which limited the expansion of our service coverage. In addition, due to reduced advertising expenses for the on-site support and related services, the number of services uses stagnated for some clients.

On the other hand, the on-site support service for rental properties, which had been planned at the beginning of the fiscal year, progressed mostly as expected, contributing to higher revenue and profit.

In addition, for the services we provide to coin-operated parking operations, sales increased due to a rise in the number of business clients. However, because of low profitability, the contribution to profit remained limited.

FY2025.3

Sales

YoY(%)

Operating profit

YoY(%)

8,934 million yen

(+10.2%)

1,138 million yen

(+41.3%)

Global Business

Sales (million yen)

Operating profit (million yen)・OPM

Q1 Q2

10,000

Q3

Q4

12.7%

1,250

8,934

1,138

8,105

10.3%

9.9%

2 0

7,500

1,000

9.1%

6,732 2 3

■

Sales increased thanks to the acquisition of new clients in addition to an increase in the number of memberships of existing clients resulting from the expansion of coverage areas in the Health Care Program.

805

5,247

1 4

2

6

750

694

5,000 4,593

1 1

1 2

5.1%

■

Profits increased as a result of improved revenue from the Overseas Travel and Accident Insurance Service. In addition, profit increased further due to the contribution of improved earnings through the increase of contract service fees.

1

9

1 4

500

475

1

6

1 2

2 4

2 6

2,500

1 6

1 0 1

2

250

2

3

235

32 5

61

■

The Japanese Help Desk, which provides support in Japanese at local medical institutions, has contributed to an increase in membership by raising awareness of its services.

1

0 1

6 1

4

0 0

FY21.3 FY22.3 FY23.3 FY24.3 FY25.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Due to rounding down fractions, some values may not equal the sum of the separate figures.

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15

155

97

136

233

255

163

266

,196 1,15

In the Global Business segment, sales increased due to the acquisition of new clients for expatriate healthcare programs and progress in price negotiations for services related to overseas travel insurance.

In addition, we expanded local medical services overseas, including the establishment of Japanese-language help desks within local hospitals. These initiatives contributed to higher revenue and profit.

Furthermore, until last year, we incurred temporary costs such as staff increases to cope with the surge in workloads caused by a rebound from the COVID-19 pandemic. However, these costs have been eliminated as delayed work has progressed, contributing to the increase in profits.

FY2025.3

Sales

YoY(%)

Operating profit

YoY(%)

6,743million yen

(-15.2%)

797 million yen

(-34.6%)

Customer Business

Sales (million yen)

Operating profit (million yen)・OPM

Q1 Q2

12,500

Q3 Q4

25.8%

3,000

25.0%

2

2,500

10,000

9,588

2,392

2

2,057

7,966 2 9 7,949

• Sales and profit declined due to the completion of vaccine-related operations, which was a

one-time factor in the previous fiscal year, as well as the termination of several existing clients, which was partially offset by the expansion of the existing businesses.

2,000

15.3%

7,500

2

6

1

1 6,743

13.7%

1

1,500

5,211

2

4

11.8%

1 7

1,218

5,000

1 6

1

1

0 1

3

1 2 1,000

1

4

2

797

5

713

2,500

1 8

1 1

5

1

1

8

8 1

500

1

0

0

160

103

FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

0

FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Due to rounding down fractions, some values may not equal the sum of the separate figures.

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16

5 1,66

,808 2

,244 2,22

,289 2,07

447

418

760

711

Next, I will explain the Customer Business segment. Due to the termination of vaccine related operations at the end of the previous fiscal year, this segment recorded a decline in both revenue and profit.

In addition, the unplanned termination of low-margin projects had a negative impact on revenue. However, profitability improved as a result. Moreover, the volume of existing operations increased, particularly for credit card companies and internet-based telecom carriers, which partially offset the decline in revenue.

FY2025.3

Sales

YoY(%)

Operating profit

YoY(%)

10,572 million yen

(+17.8%)

2,336 million yen

(+12.7%)

Financial Guarantee Business

Sales (million yen)

Operating profit (million yen)・OPM

Q1 Q2

12,500

Q3

Q4

24.5%

3,000

22.8%

23.1%

21.7%

22.1%

10,572

2,500

10,000

2,336 2

8,971 2

9

2,073

■

Sales increased due to an increase in the number of contracts for the Property Rent Guarantee Business operated by Entrust Inc., a group subsidiary, as well as an increase in the proportion of business models with optional debt guarantees in the mix and growth in the Medical Care Expense Guarantee Business and the Eldercare Expense Guarantee Business.

2,000

7,500

6,937

2 5

1

2

1

1,501

5,350 1

7

1,500

2 8

5,000 4,597

1,221

1,124

1

1 2

1 3

1 8

1,000

2

5

1 5

2 2

1 5

■

Operating profit increased due to higher sales, which offset an increase in the provision reserve.

2,500

1

2

5

1

1

1 1

7 1

8

500

8

2

5 2

5

0

0

0

FY21.3 FY22.3 FY23.3 FY24.3 FY25.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3

Due to rounding down fractions, some values may not equal the sum of the separate figures.

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17

356

290

507 546

,264 1,56

Next, I will explain the Financial Guarantee Business. In this segment, revenue increased due to growth in existing guarantee contracts and a shift toward products that cover unpaid rent.

In addition, although still limited in size, both the medical and nursing care guarantee segments have been steadily growing.

We acquired a company in the same industry during the fiscal year, but the impact of this acquisition on our performance for FY2025 was minor.

FY2025.3

Sales

YoY(%)

865 million yen

114 million yen

(+30.0%)

Operating profit

(-14.3%)

FY2025.3

Sales

YoY(%)

697 million yen

-578 million yen

(+2.0%)

Operating profit

(―)

IT Business・Social Business

IT Business

Due to rounding down fractions,

some values may not equal the sum of the separate figures.

Social Business

Due to rounding down fractions,

some values may not equal the sum of the separate figures.

Sales (million yen)

Q1 Q2 Q3 Q4

1,000

878

794

Operating profit (million yen)

Sales (million yen)

Q1 Q2 Q3 Q4 1,000

Operating profit (million yen)

865

114

280

278

0

750

218

697

-100

189

665

104

750

662

683

95

330

183

-200

42

133

33

500

-300

-68

-60

-90

-87

-307

-43

-37

-60

-81

-224

-91

-26

-86

-132

-81

180

4

500

207

276

46

114

524

127

-162

-170

387

218

93

171

-400

250

211 200

80

-366

114

109

250

77

186 183

68

114

202

39

0

16

23

14 7 18 -37

0

118

106

FY22.3 FY23.3 FY24.3 FY25.3

-500

-194

-600

FY22.3 FY23.3 FY24.4 FY25.3 -20 FY22.3 FY23.3 FY24.3 FY25.3

-578

FY22.3 FY23.3 FY24.3 FY25.3

• Sales increased due to steady growth in consignment development of supply chain management systems.

• Profit decreased due to upfront expenses incurred to increase personnel to strengthen the IT development structure in overseas offshore operations.

• Sales increased due to an increase in sponsorship income as a result of greater recognition of the Aranmare women's sports team and the opening of a new in-office day care center at a BPO site.

• Profit decreased due to an increase in personnel expenses for the purpose of enhancing the team assets and capabilities of the sports business, as well as an increase in personnel expenses due to an increase in the number of children enrolled in the childcare business.

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▍Financial Forecast for FY2026.3

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19

Financial Forecast for FY2026.3

(million yen) *Exchange rate against the USD (forecast): 149.82 yen (As of April 28, 2025)

Amounts are rounded down to the nearest whole unit.

• Sales Revenue is expected to increase through the continued growth in the core assistance services, continued investment in on-site support for Roadside Assist Service and Home Assist Service, which are the backbone of the business and value-added services that differentiate the Company from its peers.

• Operating profit Although there are cost increases due to price and wage increases, profit is expected to increase due to the promotion of process improvements through DX, including AI, and the contributions of improved earnings through the increase of contract service fees.

• Profit attributable to Net income will improve due to operating profit and ordinary profit, which are expected to increase.

owners of parent

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20

I will now move on to the financial forecast for FY2026. We expect sales to increase by approximately 10% to JPY70 billion and operating profit to rise by 6.8% to JPY8.5 billion. Ordinary profit is projected to be JPY8.9 billion, and net profit is expected to reach JPY5.3 billion.

Financial Forecast by Segment | FY2026.3

(million yen)

Amounts are rounded down to the nearest whole unit.

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21

I will explain the forecast by business segment. In the Automotive Business, we are projecting revenue growth, driven by strong service demand, an increase in dispatch volume, price revisions, and the acquisition of new clients.

Among the major non-life insurance companies, there has been a growing trend toward outsourcing road assistance services that had traditionally been handled in-house by their subsidiaries, reflecting the current labor shortage. Currently, we have established a joint venture with one of the major non-life insurance companies, and we have been providing outsourced road assistance services for another major insurer for about two years. In H2 of FY2026, we plan to begin providing road assistance services for a direct-type non-life insurance company that is part of a major insurance group.

In addition, discussions are underway regarding the outsourcing part of the order system operations managed by a subsidiary of the same major insurance group to our company. As a result, demand for outsourcing work that had previously been handled entirely in-house is now beginning to emerge. These trends are not limited to the Automotive Business but are also emerging in the Property Business and Global Business. We intend to capture this growing demand across all segments.

There continues to be steady demand for services related to road assistance, such as accident-related operations. We have already secured a project involving the use of AI-powered damage assessment utilizing accident images for a direct-type non-life insurance company, and we will continue to expand our support for such services.

Meanwhile, with regard to services provided to automobile manufacturers, we believe that the tariffs imposed by President Trump will not have a direct impact on our business. However, as you may know, Japanese automakers are expected to face a decline in export and sales volumes. In response to this situation, we predict two possible trends. The first is to expand outsourcing as a means of reducing costs. The second is to insource operations in order to reduce outsourcing costs. We have already received several inquiries regarding outsourcing projects aimed at reducing costs. We will continue to make every effort to seize these opportunities.

In addition, used car buying and sales companies, as well as mass retailers such as auto parts stores, are increasingly focusing on their core operations such as sales. As a result, demand for outsourcing is rapidly growing, and we are working to respond to this trend as well.

On the cost side, we already seen a trend in FY2025, including rising unit costs for dispatches paid to our road assistance partners, as well as increases in IT-related expenses, equipment costs, and labor expenses. We expect this upward trend in costs to continue into FY2026.

Previously, we have responded to this situation by negotiating higher prices and capturing new demand. Some customers are open to price negotiations, but others are beginning to express concerns about the frequency of such negotiations, which is making some discussions difficult.

It is becoming difficult to gain client acceptance unless proposals include factors such as DX-driven operational efficiency, improved response quality, and value creation. For this reason, we will work to review our proposals and other measures.

We recognize that, in capturing new demand, there are challenges such as a lack of responsiveness or missed opportunities if the timing does not align with new hiring. In addition to strengthening new hiring at our existing BPO sites, we opened a small satellite office in Misawa City, Aomori Prefecture this spring. We also established a new joint facility in Sendai City in collaboration with a subsidiary engaged in field works. We will continue working to flexibly expand these small-scale offices, aiming to enhance our proposal capabilities, including pricing, and capture new demand.

Next, I will explain the Property Business segment. The on-site support service for rental properties, which was launched during FY2025, is expected to contribute fully to our performance throughout this fiscal year. At the same time, we are also capturing demand for related services for rental properties, specifically call center operations for customer service. We expect revenue to increase by capturing emergency center operations for a major developer, our existing client, and customer service operations for a gas company.

In the park assist service for coin-operated parking lots, we are working on capturing new demand for cleaning services within the parking lots. In addition, we will begin offshore operations utilizing AI-powered simultaneous interpretation, aiming to supplement the domestic labor shortage and reduce costs.

Furthermore, in areas where strong demand is expected for on-site support services for rental properties, we plan to increase the number of field work bases operated by our subsidiaries. By doing so, we aim to internalize these functions within the group and enhance our overall response capabilities.

Next, I will explain the Global Business segment. Since the COVID-19 pandemic, there has been a continued recovery in overseas assignments for expatriates. At the same time, more companies are considering our healthcare programs as part of their risk management for expatriate employees. In H1 of FY2026, we have been in discussions with four new companies, as well as with five companies regarding the potential implementation of the service in H2 onward.

In addition, due to labor shortages on the client side, the number of overseas travel insurance claim assessments offered by our company has been increasing. We expect this trend to continue in the future, so we will expand our operational structure, particularly at overseas bases, to improve processing capacity.

In the Customer Business segment, we streamlined our operations in FY2025 by terminating certain contracts and withdrawing from unprofitable projects, shifting our focus to more profitable ones.

In particular, we expect continued demand for office work already outsourced to us by credit card companies and real estate clients. Therefore, we aim to deepen relationships with existing clients while promoting operational efficiency and profit margin improvement through DX.

In addition to handling appliance warranty services for mass retailers such as home improvement stores and smartphone insurance services for telecom carriers, we are also moving forward with initiatives to support ICT utilization in schools. We plan to provide services such as contact centers, chatbots, and after-sales support for school environments.

In the Financial Guarantee Business segment, the upward trend in new contracts is expected to continue, which is also projected to result in an increase in renewal guarantee fees. Both the medical and nursing care guarantee sectors are expected to continue achieving double-digit growth. In addition, the company we acquired in FY2025 is also projected to contribute to our performance throughout the current fiscal year. For more details, please refer to the explanatory materials available on the website of our subsidiary, Entrust Inc.

Sales

Operating Profit

OPM

14.6%

14.4%

90,000

13.5%

14.0%

12.6%

12.8%

12.8%

12.9%

80,000

12.0%

12.2%

12.6%

12.7%

11.7%

12.1%

70,000

12.0%

70,000

9.8%

63,719

10.0%

60,000

58,783

54,562

50,000

46,744

8.0%

40,000

37,196

42,377 40,617

6.0%

30,000

24,225 22,223 24,619

27,328 29,477

33,119

4.0%

20,000

10,000

2,380 2,809

2,952

3,345

3,768

4,230

4,687

4,959

5,233

6,842

7,840 7,921

7,961

8,500

2.0%

0

0.0%

FY13.3 FY14.3 FY15.3 FY16.3 FY17.3 FY18.3 FY19.3 FY20.3 FY21.3 FY22.3 FY23.3 FY24.3 FY25.3 FY26.3

(forecast)

Financial Forecast

(million yen)

Amounts are rounded down to the nearest whole unit.

© 2025 PRESTIGE International Inc. All Rights Reserved.

24

Hybrid utilization of humans and technology

The nature of our business, which is primarily assistance services in the event of car accidents, breakdowns or illness, requires over-the-phone direct contact with customers and the ability to provide flexible support to suit each unique situation, requires a human touch.

On the other hand, technology is used to improve quality and efficiency by providing features that help operators make appropriate judgments and summarize the content of communication.

Every call is unique and a human touch is needed

PI Group operations

Translation

Conversion to text

Keywords action

Emotional analysis

Reports & Minutes

Typical call center operations

Simple inquiries

AI

© 2025 PRESTIGE International Inc. All Rights Reserved.

25

Creating documents or reports

Data entry

Calls that have more routine content

AI-offloadable tasks

Data entry

Creating documents or reports

Text summary

Simple inquiries

Reservation services

Telemarketing

Planning work shifts

Let me begin with the first topic. Please refer to page 23. The theme here is Humans and Technology.

As a BPO service provider, we fully recognize that operational efficiency is important to our business. Especially since the emergence of generative AI, driving greater operational efficiency is more important than ever.

Even in this environment, the services we provide, such as emergency and assistance services, are characterized by the fact that no two customer calls are the same. For this reason, we strongly believe that human interaction remains essential at the customer contact point.

By having humans respond to customer inquiries, we can accurately identify their needs and offer appropriate support. While we, as a service provider, respond to such calls on a daily basis, for the customer, it may be a once-in-a-lifetime emergency. In these situations, we believe that providing compassionate, hospitality-driven support is essential. This is why we are committed to maintaining human interaction at the point of contact. We will continue to rely on human staff for the tasks. These tasks fall under the highest tier, shown in orange, in this slide.

As mentioned earlier, we believe that human interaction remains essential at the customer contact point. However, our operations also include preparing reports for client companies and issuing invoices to partner firms. These tasks fall under the second tier, shown in blue, in this slide. Furthermore, at the foundational first tier, we handle tasks such as analyzing call trends and creating operator shift schedules and staffing plans. We believe these tasks can be further optimized through technology, and we are actively pursuing such initiatives.

Examples of Technology Implementation

Promoting the introduction and streamlining of technology in a wide range of business processes other than direct contact with customers.

Transcription and summarization

Automation of shift planning

Response time per case

Time spent on shift planning per month

8.5 min

40% reduction

5 min

*ACW: Average time for after call work

Effects

• Shortening ACW* with automatic summarization function.

• Preventing omission of registration records due to forgetting to listen to details.

• Support for inexperienced operators.

36 hours

55％ reduction

16 hours

Effects

• In addition to shift planning, reduce the time and effort required for shift scheduling and listening to employee preferences.

• Improved employee satisfaction through fair shift planning.

• Improvement of the shift coverage rate through efficient shift planning.

RPA*

Chatbot

Monthly working hours

280 hours

67％ reduction

140 hours

* RPA: Robotic process automation

Effects

• Reduction of administrative work such as issuing invoices and sending faxes.

• Prevention of human error.

• Enabling of team-led implementation resulting in the spontaneous and flexible improvement of the efficiency of business across teams

Number of automatic responses per month

Approx. 4,000 calls

10% improvement

Approx. 6,500 calls

Effects

• Prioritize responses to high-priority issues.

• Shorten response time.

• Regular operational improvements and learning can also enhance effectiveness.

© 2025 PRESTIGE International Inc. All Rights Reserved.

26

This page highlights several of the initiatives we are currently working on. Last year at this venue, we announced our three-year medium-term business plan, which includes a goal of improving operational efficiency over the three years.

In the first year of the plan, we focused on testing and evaluating various technology tools to determine which ones were best suited to the specific operational processes we handle. What is shown here is just part of our ongoing efforts. In the current fiscal year, which is the second year of the plan, our focus is on expanding the initiatives that proved effective in improving efficiency last year to a broader scope of operations.

That concludes the section on technology and operational efficiency. Next, I would like to explain our ESG and sustainability initiatives.

▍Shareholder Returns

© 2025 PRESTIGE International Inc. All Rights Reserved.

27

Shareholder Returns

• Continuously aiming to increase dividend payout ratio to approx. 60% or more by the fiscal year ending March 2026.

• Aiming for a total return ratio of at least 70%, a total of 13 billion yen will be returned to shareholders by the fiscal year 2027, the final year of the plan, including share repurchases (up to 3 billion yen), taking into account the share price situation.

• Improve ROE and dividend yield to make the company an attractive to investment.

Dividend payout ratio: 60% or more by FY 2026.3 Total return ratio: 70% or more by FY 2027.3

FY2025.3

(actual)

Dividend per share

(yen)

Dividend amount (million yen)

Dividend per share

(yen)

Dividend amount (million yen)

12.00

12.00

24.00

62.7%

72.9%

1,530

1,521

3,051

FY2026.3

(forecast)

13.00

13.00

26.00

62.2%

-

1,648

1,648

3,296

Due to rounding down fractions, some values may not equal the sum of the separate figures.

© 2025 PRESTIGE International Inc. All Rights Reserved.

28

Let's move on to shareholder returns. Regarding shareholder returns, the annual dividend for FY2025 was JPY24 per share, with a payout ratio of 62.7%. We also repurchased its own shares, resulting in a total return ratio of 72.9%.

For FY2026, in line with our medium-term management plan, we plan to maintain a dividend payout ratio of 60% or higher, with an annual dividend of JPY26.

Interim

Year-end

Return ratio

70.0%

62.7%

62.2%

30.00

60.0%

26.00

24.00

50.0%

20.00

13.00

40.0%

30.2%

12.00

26.0%

26.1%

28.1%

25.0%

20.4%

26.4%

11.00

26.5%

12.00

30.0%

10.00

15.2%

17.3%

16.4%

8.50

20.0%

7.00

6.00

2.50

1.25

1.25

FY14.3

2.75

1.50

1.25

FY15.3

3.50

2.00

1.50

FY16.3

4.50

2.75

1.75

FY17.3

6.00

3.50

6.50

7.00

6.00

4.50

12.00

13.00

3.50

3.50

3.50

10.0%

6.00

2.50

3.00

3.50

3.50

4.00

5.00

0.00

0.0%

FY18.3

FY19.3

FY20.3

FY21.3

FY22.3

FY23.3

FY24.3

FY25.3

FY26.3

(forecast)

Shareholder Returns｜Dividend

(yen)

On October 1, 2019, the Company conducted a 2-for-1 stock split, and dividends are shown after retroactive application of the stock split.

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29

(5) Method of repurchase

Purchases from the market on the Tokyo Stock Exchange based on a discretionary trading agreement

(5) Method of repurchase

Purchases from the market on the Tokyo Stock Exchange based on a discretionary trading agreement

Repurchase of Treasury Stock

• Initiatives for the fiscal year ended March 2025

In accordance with the profit sharing measures of The 8th Medium-Term Business Plan announced in May 2024, and taking into account

the cost of capital, financial conditions, and the stock price, the Company repurchased treasury shares based on a decision made by the Board of Directors at its meeting held on November 19, 2024.

Press releases on this matter

Nov 19, 2024 Notice Concerning the Determination of Matters Relating to the Repurchase of Shares of Common Stock

Jan 7, 2025 Notice Concerning the Status of the Repurchase of Shares Jan 16, 2025 Notice Concerning the Status and the End of Repurchase of

Shares

(2) Total number of shares repurchased 740,300 shares

(4) Period of repurchase

Dec 2, 2024-Jan 15, 2025

• Outlook for the fiscal year ending March 2026

Retirement of Treasury Stock Repurchase of Treasury Stock

1,500,000 shares

(2) Total number of shares to be retired * 1.17% of the total number of shares of

common stock issued before their retirement

750,000 shares (maximum)

(2) Total number of shares to be repurchased * 0.59% of shares issued and

outstanding (excluding treasury stock)

(4) Period of repurchase

Jun 2, 2025-Sep 22, 2025

Reference

• Total number of shares of stock issued after retirement: 127,176,300 shares

• Number of shares of treasury stock after retirement: 384,623 shares (calculated based on the number of treasury shares as of March 31, 2025.)

© 2025 PRESTIGE International Inc. All Rights Reserved.

Reference: Number of shares of treasury stock as of March 31, 2025.

• Total number of shares of stock issued and outstanding (excluding treasury stock): 126,791,677 shares

• Number of shares of treasury stock: 1,884,623 shares

30

As announced on May 9, we conducted a share buyback during H1. Looking ahead to H2 and the next fiscal year, we plan to consider additional buybacks as appropriate, taking market conditions into account.