Data Section

11-Year Summary of Selected Financial Data (As of March 31, 2023)
JGAAP*1/IFRS*2(Millions of yen)

FY2012FY2013

FY2014FY2015FY2016FY2017FY2018FY2019FY2020

FY2021

FY2022

Operating revenues/Net revenue

244,405

247,577

259,076

269,919

278,944

292,183

304,855

311,410282,625

299,017322,638

Selling, general and administrative expenses

187,170

197,852

206,192

221,553

236,661

241,740

220,974

236,910202,380

222,541

229,322

–

–

–

–

–

–

34,08839,376

31,867

24,57534,611

Financial costs

14,922

13,38812,722

11,772

11,069

9,671

9,878

10,471

11,266

11,461

15,257

Operating income

42,31236,33640,161

36,59331,213

40,771

–

–

–

–

–

Ordinary income/Business profit

53,214

44,40843,68743,80253,06556,71752,23336,18448,352

52,33660,977

Financial Data
Consolidated

Impairment losses on financial assets
For the year

At year-end

Per share data(yen)
Key financial
ratios (%)

Net income attributable to owners of the parent/
Profit attributable to owners of the parent

32,77025,552

12,62826,16342,25338,32930,51722,86336,13235,37543,599Total equity

394,868

422,829447,082

418,988446,882

480,669

491,741

485,476

532,057

563,738

600,041

Total assets

2,141,802

2,285,943

2,373,299

2,550,990

2,720,051

2,940,022

3,212,465

3,357,229

3,409,247

3,610,778

3,896,105

Interest-bearing debt

1,359,856

1,468,740

1,557,836

1,729,066

1,857,477

1,957,244

2,203,818

2,413,565

2,429,488

2,569,040

2,805,175

Net income per share/Basic net income per share

178

139

69

147

259

235

187

143

231

226

278

Equity per share/Equity attributable to owners of theparent per share

2,132

2,283

2,424

2,564

2,725

2,933

3,006

3,102

3,397

3,598

3,827

Return on equity (ROE)

8.8

6.3

2.9

6.1

9.8

8.3

6.2

4.7

7.1

6.5

7.5

Return on assets (ROA)

1.5

1.2

0.5

1.1

1.6

1.4

1.0

0.7

1.1

1.0

1.2

Equity ratio

18.3

18.3

18.8

16.4

16.4

16.3

15.3

14.4

15.6

15.6

15.4

Operating revenues

204,121205,873219,336

228,713238,637

249,865

259,018

268,020

251,307

252,416

266,103

Selling, general and administrative expenses

149,844

160,927

169,899

186,492

203,038

207,093

215,726

235,794

208,269

219,371

221,512Financial costs

16,882

15,11914,066

12,62011,282

9,872

9,748

10,535

11,53011,381

11,923Operating income

37,39429,82635,37029,59924,31632,90033,543

21,69031,507

21,66332,668

Ordinary income

41,52934,87238,44932,61428,21038,871

39,634

28,34838,02630,421

43,424

Net income

24,147

18,637

11,31525,57021,04522,19025,87533,391

29,931

21,90934,220Total equity

349,202367,808

388,470

359,428

374,477

396,831407,533

404,809441,683

456,739

483,683

Total assets

2,051,908

2,200,459

2,287,986

2,468,797

2,623,644

2,831,296

3,107,284

3,210,925

3,280,302

3,444,915

3,665,162

Interest-bearing debt

1,337,201

1,457,001

1,551,189

1,725,891

1,852,551

1,953,740

2,202,839

2,378,701

2,413,154

2,536,247

2,713,246

Return on equity (ROE)

7.2

5.2

3.0

6.8

5.7

5.8

6.4

8.2

7.1

4.9

7.3

Return on assets (ROA)

1.2

0.9

0.5

1.1

0.8

0.8

0.9

1.1

0.9

0.7

1.0

Equity ratio

17.0

16.7

17.0

14.6

14.3

14.0

13.1

12.6

13.5

13.3

13.2

3,547,050

3,852,980

4,089,389

4,258,284

4,476,608

4,683,038

4,788,537

4,946,908

4,500,366

4,823,174

5,287,073

260,089

264,092

277,025

267,723

253,837

248,156

242,980

237,555

155,004

160,622

164,720

2,166,062

2,303,998

2,434,824

2,522,242

2,671,710

2,873,183

3,014,831

2,985,255

2,609,412

2,737,512

2,894,900
126,631

Non-Consolidated

For the year

At year-end

Key financial
ratios (%)

Credit card business
Credit card cash advanceBusiness agency
Transaction
volume*3

Lease business total

105,356

114,694

106,801

106,000

108,101

114,569

115,589

127,178

114,885

113,159

Credit guarantee

115,297

126,281

137,335

150,101

159,914

131,922

114,277

101,51070,28384,586

98,914

Real estate mortgage loans

11,571

46,78050,45982,420125,629

160,762

207,779

175,621

141,698

124,417

122,539

Other (Finance Business)

48,20175,96980,633

114,043

180,286

241,949

287,830

341,131322,366

252,894

218,676

Other

28,04033,63337,73737,90735,88332,11927,35130,26026,696

106,075

152,840

6,281,666

6,818,427

7,214,203

7,538,720

8,011,968

8,485,698

8,799,174

8,945,420

7,940,715

8,402,442

9,066,297

Total volume of new contracts*1 Japanese standards were applied until FY2017.

*2 International Financial Reporting Standards (IFRS) are applied from FY2018 onward.

*3 Certain Other (Finance Business) and Other transaction volumes for FY2021 have been reclassified owing to a change in the rent guarantee business from the Finance Business to the Payment Business in the third quarter of FY2022.

65

Data Section

Segment Highlights/5-Year Non-financial Data (As of March 31, 2023)(Millions of yen)

IFRS*1*2

FY2018FY2019FY2020

FY2021

FY2022

Payment Segment*3

228,518

232,441

209,130

213,148

231,590

Lease Segment

12,586

12,26912,29011,837

12,049Finance Segment*3

39,231

43,112

43,412

47,14450,754

Real Estate–related Business
Segment

18,113

17,227

14,59522,704

24,177

Net revenue

Entertainment Business Segment

8,761

8,822

5,536

6,407

6,214

Adjustment(2,357)(2,462)(2,340)(2,224)(2,148)304,855

311,410282,625

299,017322,638
19,969Total net revenue
Business profit
Payment Segment*3

16,915

6,297

22,332

14,166

Lease Segment

5,720

2,951

4,706

5,800

5,018

Finance Segment*3

19,20918,004

17,664

19,77722,056

Real Estate–related Business
Segment

8,305

6,957

5,390

12,35012,595Entertainment Business Segment

2,078

1,969

(1,745)237

719

Adjustment
Total business profit

3

3

3

3

618

52,23336,18448,352

52,33660,977

Breakdown of income from payment business segment
Card shopping

136,464

140,579

131,029

132,081

143,024

Cash advances

33,08432,932

28,882

26,106

24,741Loans on deeds

1,071

844

654

517

412

Processing/transactions handled
on behalf of other companies’
cards

28,22731,01427,402

27,437

27,213

Agency services

15,896

12,491

5,069

5,061

5,306

Payment-related income*3

11,507

12,297

13,684

19,573

28,638

852

767

1,024

987

876

1,415

1,512

1,384

1,383

1,377

228,518

232,441

209,130

213,148

231,590

Finance income
Intersegment revenue or transfers
Total credit service businessincome*3
Main card indices (non-consolidated)
New cards issued (thousands)

211

180

125

152

170

Total membership(thousands of members)

2,679

2,639

2,570

2,540

2,503

Active membership(thousands of members)

1,490

1,496

1,395

1,389

1,381

Transaction volume(100 million yen)

50,31551,84446,55349,83754,517

Shopping

47,88549,46945,003

48,231

52,870Cashing

2,429

2,375

1,550

1,606

1,647

6,405

6,457

5,730

5,573

5,818

Card shopping revolving credit
balance

4,225

4,268

3,888

3,833

4,090

Cashing

2,180

2,188

1,842

1,739

1,728

Balance (100 million yen)

E: Environment
Total CO2 emissions (tons of CO2)
Subtotal of Scope 1 + Scope 2 (market base)
Subtotal of Scope 1 + Scope 2 (location base)
Scope 3
Energy usage amount (power consumption) (kWh)Paper usage (CSDX Strategy Index)
Water resource input (for own buildings only) (thousand m3)
S: Society
Number of employees (persons)(number of women)(number of men)
Ratio of female managers (%, department head positions)
Number of overseas employees*4
Employment ratio of persons with disabilities
Average length of service (years, total of men and women)(length of service by women)(length of service by men)
Ratio of men taking childcare leave (%)
Number of people taking long-term care leave (persons, totalof men and women)(number of women taking long-term care leave)(number of men taking long-term care leave)
Average annual salary (thousands of yen, total)(for managers)(for non-managers)(for women)(for men)
Monthly average overtime working hours (hours)
Amount invested in human resource development (thousandsof yen)Training/challenge system
LGBT Manners Training

Universal Manners Training

Number of people/
number of times
Number of people/
number of times

Number of projects
SWITCH SAISONDementia Supporter Training
Number of people/
number of times
Workshop
Average days of paid leave taken (days)
Acquisition rate (%)
Turnover (%)(by women)(by men)
Number of visitors to Akagi Nature Park (persons)Total amount of point donations (thousands of yen)
G: Governance
Number of meetings of the Board of Directors
Attendance rate of outside directors (%)
Number of directors(number/ratio of outside directors)(number/ratio of independent outside directors)(number/ratio of female directors)
Number of executive officers(number/ratio of female executive officers)
Number of Audit & Supervisory Board members(number/ratio of female Audit & Supervisory Board
members)
Number of serious legal violations
Expenditures for preventing corruption

FY2018FY2019FY2020

FY2021

FY2022

–
–
–
–
–
–

–
–
–
8,807,000––

18,563
18,879730,6458,557,000
160,368,120
38.6

18,235
18,334
724,168
8,296,000
138,400,569
37.1

Currently being calculated

3,239
2,424
815
20.8
39
2.04
10.9
10.6
11.7
3.0

2,981
2,169
812
21.0
89
2.16
11.8
11.6
12.2
0.0

4,319
3,250
1,069
24.3
126
2.33
12.4
12.1
13.4
57.8

4,084
3,058
1,026
24.5
272
2.31
13.3
13.1
14.0
48.7

Currently being calculated

7,800,000
125,196,720
22.9

3,966
2,956
1,010
24.9
563
2.32
14.0
13.8
14.3
58.5

27

24

36

26

53

26
1
518
1,056
481
457
722
10.2

23
1
534
1,051
487
467
728
10.8

35
1
517
1,026
472
457
709
9.3

23
3
519
1,016
477
458
707
10.1

52
1
547
1,068
497
484
737
11.4

46,061

44,55648,33051,41354,128

–

–

12/4

19/4

13/3

–

13/4

26/7

25/5

27/5

–

–

496/15307/14238/16

13.4
75.7
7.6
8.0
6.4
89,78057,523

15.0
82.5
3.3
5.6
5.9
70,34537,312

13.1
72.4
3.6
4.4
3.3
59,17337,782

14.0
73.5
7.8
7.4
6.6
74,161
18,673

15.2
86.3
6.8
6.5
7.0
65,74861,652

1890.7
15
3/20.03/20.02/13.3
–
–
4

19
98.2
9
3/33.3
3/33.3
1/11.110
2/20.0
4

19
100.0
9
3/33.3
3/33.3
1/11.110
2/20.0
4

19
100.0
9
3/33.3
3/33.3
1/11.111
2/18.2
4

20
100.0
9
3/33.3
3/33.3
1/11.111
2/18.2
4

1/25.01/25.01/25.01/25.01/25.0

0
0

0
0

0
0

0
0

0
0

–

308

*1 International Financial Reporting Standards (IFRS) are applied from FY2018 onward. *2 Figures for net revenue and business profit represent the amounts before appropriation of inter-segment transactions.
*3 Segment highlights for FY2021 have been reclassified owing to a change in the rent guarantee business from the Finance Business to the Payment Business in the third quarter of FY2022.
*4 Total of six consolidated subsidiaries

66

Currently being calculated

489

182

47

Data Section

Corporate Information/Investor Relations Information (As of September 30, 2023)
Stock information

Shareholders memo

Common Stock Authorized

300,000 thousand shares

Common Stock Outstanding

185,444 thousand shares

Number of Shareholders

18,310

1.28%

4.21%

Other Corporations

9.23%

Period beginning on April 1 and endingon March 31 of the following year

Name

Credit Saison Co., Ltd.

Ordinary General
Meeting of Shareholders

Convened each year in June

Incorporated

May 1, 1951

Record Date

Ordinary general meeting ofshareholders and year-end dividend
payments - March 31
Should any other record date berequired, a public notice will be issued
in advance.

Head Office

52F, Sunshine 60 Bldg., 1-1 Higashi-Ikebukuro
3-chome, Toshima-ku, Tokyo 170-6073, Japan

Transfer Agent andAdministrator ofSpecial Accounts

Sumitomo Mitsui Trust Bank Limited,
1-4-1, Marunouchi, Chiyoda-ku, Tokyo,
Japan

Representative

Administrative Office ofTransfer Agent

Stock Transfer Agency Business
Department, Sumitomo Mitsui Trust
Bank Limited, 1-4-1, Marunouchi,
Chiyoda-ku, Tokyo, Japan

Hiroshi Rinno, Representative, Chairman andCEO
Katsumi Mizuno, Representative, Executive
President and COO
Naoki Takahashi, Representative, Executive
Vice President and CHO

Mailing Address

Stock Transfer Agency Business
Department, Sumitomo Mitsui Trust
Bank Limited, 2-8-4, Izumi, Suginami-ku,
Tokyo 168-0063, Japan

Business

Telephone Inquiries

0120-782-031(9 a.m.–5 p.m. excluding weekends andholidays)

1. Payment Business2. Lease Business
3. Finance Business
4. Real Estate–related Business5. Global Business
6. Entertainment Business

Paid-in Capital¥75,929 million

URL

https://www.smtb.jp/personal/
procedure/agency/

Numberof Regular
Employees

3,957

Method of Public
NoticeElectronic notice(Credit Saison website)
https://corporate.saisoncard.co.jp/en/
public_announcement/

Stock Listing

Tokyo Stock Exchange (Prime)

Securities Code8253

Financial Institutions

Treasury Stock

11.21%

Fiscal Year

Individual Investors, others

Securities Companies

37.32%

Compositionof Shareholders

Foreign Investors

36.74%

Major shareholders (Top 10)
Equity stake
Number ofshares(thousands)

Ownership
percentage (%)

36,419

22.12

Custody Bank of Japan, Ltd. (trust account)

15,346

9.32

Suruga Bank Ltd.

8,224

5.00

Daiwa Securities Group Inc.

8,050

4.89

BNYMSANV AS AGENT/CLIENTS LUX UCITSNON TREATY 1

6,911

4.20

HSBC BANK PLC A/C M AND G(ACS) VALUEPARTNERS CHINA EQUITY FUND

6,592

4.00

STATE STREET LONDON CARE OF STATESTREET BANK AND TRUST, BOSTON SSBTC
A/C UK LONDON BRANCH CLIENTS- UNITED
KINGDOM

4,840

2.94

JP MORGAN CHASE BANK 385632

3,192

1.94

Mizuho Bank, Ltd.

3,000

1.82

SSBTC CLIENT OMNIBUS ACCOUNT

2,802

1.70

Institution
The Master Trust Bank of Japan Ltd.
(trust account)Notes: 1. The 20,789,140 treasury shares held by Credit Saison are not included in
the above list of major shareholders.
2. Ownership percentages are based on the number of outstanding shares
excluding treasury shares.

Corporate profile

Note: In addition to our regular employees, we employ temporary and part-time
employees, with the average number of non-regular employees per term at
1,733 (based on conversion to a 7.5-hour workday).

[Notice of Address Change, etc., and Inquiries Relating to Shares]
Shareholders who have an account with a securities company are asked to contact the relevant securities company regarding address change and other notices, as well as
inquiries. Shareholders who do not have an account with a securities company are asked to call the number indicated above for telephone inquiries.

[Special Accounts]
For shareholders who were not using the “Hofuri” system (Japan Securities Depository Center, Inc.) prior to the introduction of the electronic share certificate system, an account(special account) has been opened at Sumitomo Mitsui Trust Bank Limited above as the transfer agent. Inquiries on special accounts should be directed to the transfer agent at
the number indicated above for telephone inquiries.
[Information on Additional Purchase System/Buy Back System for Shares Less Than One Unit]
Our Company has established a system in which shareholders who own shares less than one unit (100 shares) can purchase additional shares at the market price (Additional
Purchase System) and a system in which shareholders can sell shares less than one unit back to our Company (Buy Back System). For shares less than one unit recorded in a
special account, please contact the telephone inquiry number listed above. For shares less than one unit deposited with a financial securities firm, please contact the financial
securities firm where you have an account.

67

Data Section

Major External Awards/Editor’s Postscript
Major external awards
Status of ESG Index incorporation

ESG index adopted by the GPIF consisting ofJapanese companies that excel in ESG responses ineach sector.

ESG index used by GPIF the selects
companies that excel in terms of gender
diversity

ESG index used by GPIF
that evaluates companies'
commitment to genderequality

ESG index used by GPIF basedon companies' disclosure ofenvironmental information andcarbon efficiency

Product- and service-related assessments

SAISON CARD Digital won the highest award
Nikkei Excellent Products and Service Awards 2021
Organized by Nikkei Inc.

Credit Saison discloses various types of information for
its shareholders, investors, and all other stakeholders on
its website.
Corporate
Information

Business

Sustainability

IR Information

https://corporate.
saisoncard.co.jp/en/company/

https://corporate.
saisoncard.co.jp/en/
sustainability/

https://corporate.
saisoncard.co.jp/en/
business/

https://corporate.
saisoncard.co.jp/en/ir/

DX-related assessments

CDP Climate Change
Questionnaire 2022
Certified as “B Rating”

SLACK SPOTLIGHT
AWARDS 2022
Won the Digital HQ
Excellent award bycountry (Japan)

シンボルマーク ＋ DX 認定

Certification system of the
Ministry of Economy, Trade andIndustry based on the Act on
Facilitation of Information
Processing

Selects companies that developinternal mechanisms for promoting
DX that lead to the enhancement ofcorporate value and an excellent
track record in the use of digitaltechnology.

DE&I and health management–related assessments

The SAISON CARD Digital for becoz won the grandprize
Project category, NIKKEI Decarbonization Awards 2022

Information disclosure tools

Environmentrelated
assessments

The SAISON CARD Digital for becoz won the grand prize
Japan Financial Innovation Award 2023
Organized by FINOLAB Inc.

Certified as Health & Productivity
Management Outstanding Organization
2023 by the Ministry of Economy, Trade andIndustry and Nippon Kenko Kaigi.

We won gold at the Cancer Ally Awards
2023, a private project that commends
companies committed to addressing thecancer and employment issue.

In 2022, we acquired the Silver
certification under the National
Federation of Health Insurance Societies
program to recognize companies withexcellent health management initiatives.

Editor’s postscript
Thank you for reading Credit Saison Integrated Report 2023 to the end.
This, the fifth edition of our integrated report, summarizes the future growth potential of the Group in its efforts to advance
new initiatives as a comprehensive life services group in an easy-to-understand manner. Specifically, along with outlining theCredit Saison Growth Story published in the Financial Results Briefing for the First Half of FY2023 (November 2023), it describes
the approach to achieving ¥70 billion in consolidated business profit as the target for the final fiscal year of the current Mediumterm Management Plan (FY2022–FY2024) one year earlier than planned, the capital and business alliance with Suruga Bank Ltd.,and other changes in the business model and business portfolio. Moreover, this report maintains anawareness and uses language that focuses on the associations between materialities for sustainability
and business strategies, and on how each business connects to value delivery. The Public Relations
Office has taken the lead in cooperating with a wide range of related departments at Credit Saison
to prepare this report. To further deepen communications with our stakeholders in the years tocome, we will continue to accept frank opinions from our readers, strive to disclose information in an
appropriate manner, and commit to further enhancements to the report’s content.
Public Relations Office
Production Team Members

68Credit Saison Co., Ltd.
52F, Sunshine 60 Bldg., 1-1 Higashi-Ikebukuro 3-chome,
Toshima-ku, Tokyo 170-6073, Japan
https://corporate.saisoncard.co.jp/en/