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1 CORPORATE PROFILE

2 3 Contents No.1 16 CSR

3 3,500 AMEX 35

4 OPEN SAMURAI BLUE

5 30.com E UC 2 3,500.com 35 ASEAN ANNUAL REPORT

6 ASEAN 21 ASEAN ASEAN ITASEAN WEB No. 1 Coiney 02 ANNUAL REPORT 2013

7 No. 1No. 1 No. 1 No % 28.2% 50.6% 49.4% 42.5% 57.5% 51.8% 48.2% 48.7% 51.3% 0% 20% 40% 60% 80% 100% ANNUAL REPORT

8 2 3, com 2, AmericanExpress , E 04 ANNUAL REPORT 2013

9 WEB 33830% 2, , , % % 1, , , % ,482 (7) 1,362 (63) , , , ,0538.8% 2, % 24.6% % % 35 ANNUAL REPORT

10 No.1 No.1 WEBWEB % WEB HD PARCO MUJI Card LABI ANA JMBPonta Visa 06 ANNUAL REPORT 2013

11 PARCO5% 2013 O2O aucard SoftBank J:COMMUNITY Card J:COM WOWOW WOWOW SEIBU PRINCE CLUB MileagePlus Tokyo Metro To Me CARD JAF JAF UC JAPAN ANNUAL REPORT

12 % 56% 20118NEO MONEY 20134Visa Visa Visa Coiney20134 Coiney 5.7% NEO MONEY 24.0% 12.1% % Visa 2.2% Coiney UFJ& ANNUAL REPORT 2013

13 %WEB 47536% 20.com , TVCM.com 2013.com 3,500 WEB UC com ANNUAL REPORT

14 35 2,000 OA LED ,200 1, ,053 1, ,20014% ,500 2,000 1,500 1,686 1,973 2, , ,1509% ANNUAL REPORT 2013

15 PLUS , NO % 240 ASEAN econtext ASIA Ltd. EC ANNUAL REPORT

16 CS & AMEX T&E WEB 12 ANNUAL REPORT 2013

17 ANNUAL REPORT

18 J-SOX 14 ANNUAL REPORT 2013

19 2 IR IR IT IRURL corporate.saisoncard.co.jp ANNUAL REPORT

20 CSR CSR CSR CSR 3 CSR CSR 3 16 ANNual RepORT 2013

21 ,000 akagishizenen.jp 2013 SAMURAI BLUE J.LEAGUE PHOTOS POINT 200POINT 200POINT 100POINT 200POINT WFP NPOWFP 200POINT AWARE ANNUAL REPORT

22 , , , , , , , , , , , ,493 14,922 19,958 22,577 24,377 23,882 22,901 42,312 31,865 27,377 36,173 34,548 57,191 53,214 38,590 33,762 39,106 30,953 58,111 32,770 9,453 12,829 18,680 55,513 26, , , , , , ,661 2,141,802 2,155,906 2,231,246 2,374,129 2,407,064 2,450, ,359,856 1,409,802 1,657,832 1,776,827 1,893,017 1,854, , , , , , , % ROE ROA , , , , , , , , , , , ,815 16,882 18,809 19,977 22,221 21,530 20,322 37,394 37,893 25,484 30,661 28,661 33,603 41,529 41,001 28,706 33,787 32,223 36,557 24,147 5,613 7,596 16,137 44,972 24, , , , , , ,519 2,051,908 2,059,435 2,097,773 2,200,459 2,220,791 2,066, ,334,302 1,364,960 1,571,610 1,645,206 1,748,245 1,554,629 % ROE ROA ,547,050 3,402,494 3,953,411 3,844,670 3,891,076 3,758, , , , , , ,623 32,949 34,596 36,514 43, , , ,166,062 2,112,431 1,362,275 1,310,419 1,347,260 1,269, ,356 96,852 92, , ,272 88, ,297 92,837 73,375 85, , ,302 23,868 20,482 22,894 23,380 22,475 22,278 6,250,675 6,026,599 5,912,587 6,013,118 6,560,174 6,358, ANNUAL REPORT 2013

23 % 4.2%35, %856.com %2,4445 WEB 16.9%2, % 1, %1, ,130 30, ,235 20, ,729 6, ,162 2, , , ,263 13, ,908 11, ,354 40, ,441 49, , , % 331 ANNUAL REPORT

24 3 24.6% %2, % % % % % % 1, % % % 2, %1, % 35, %2, %2, % , , ,192 27, ,434 14, ,147 5, ,327 15, ,985 7, ,807 3, ,173 13,597 12, ,103 2, , , ,382 31, (1,244) (1,308) , , ,312 31, % ANNUAL REPORT 2013

25 4 WEB NEO MONEY 23.0%856 WEB36.1% com.com 2 WEB econtext ASIA Ltd. EC 20134Visa Visa Visa Coiney20134 ANNUAL REPORT

26 20134 JPN %48,754 LED 8.8%1,0531.6% % % % %1, S 0.4%1, %482 6,0421,6701, PLUS % % % % ANNUAL REPORT 2013

27 CP , % 19.2% CP1.1% 5.7% , , R&I ACPa % , , , % , , , , , , CP ANNUAL REPORT

28 % % %185.2% % 1,738,637 1,786, , , ,359 72, ,910 95, % 6.7% % 200.5% 3 2.0% 2.7% % 97, , ,364 35, ,842 61, ,952 97, , , ANNUAL REPORT 2013

29 , , ANNUAL REPORT

30 ,524 60,085 1,291,731 1,379, , , ,846 16,616 79, ,784 9,303 10,315 1,339 1,251 10,120 12,467 5,561 6,310 19,717 21,092 64,910 95,172 1,644,355 1,814,916 23,793 25,584 30,965 26,486 4,222 4, ,595 5,946 64,837 63, ,589 18, ,407 79, ,296 98, ,358 84,365 11,207 10,237 5,223 5, ,956 68,445 76,174 3,662 4,077 18,042 2, , , , , ,141,802 2,155, , , , , , , ,225 10,225 15,000 32, ,714 41,079 1,941 1,973 7,744 9,465 2,083 1, ,290 13, ,278 5,840 39,112 41, , , , , , ,722 8,548 44,872 2,217 2, ,209 4, ,532 70,661 9,744 11, ,523 9,683 1,011, ,465 1,746,933 1,800,178 75,929 75,929 84,838 84, , ,535 6,118 6, , ,186 20,391 10,044 1,496 1,535 18,894 8, ,442 3, , ,727 2,141,802 2,155, ANNUAL REPORT 2013

31 , ,494 14,409 14,645 17,208 15,445 37,009 49,814 27,286 46,847 9,723 2,966 76,573 76,603 62,984 63,613 13,589 12, , , , ,184 14,922 19, , ,143 42,312 31,865 11,042 6, ,214 38, , , , , , ,561 52,812 10,714 13,868 12,966 5,763 33,487 19,632 20,521 33,180 9, ,770 9, ,180 9,806 8,127 2, ,220 1,478 10,387 3,561 43,567 13,367 43,155 13, ANNUAL REPORT

32 ,929 84, ,535 6, ,186 10,044 1,535 8, , ,727 5,511 5,511 5,511 32,770 32,770 32, ,088 1,088 1,088 10, , ,795 28, ,345 10, , , ,929 84, ,882 6, ,531 20,391 1,496 18, , , ,812 10,714 13,041 14, , , ,934 31,376 2, ,781 5,785 10, ,330 1,390 14,155 18,793 7,344 3, , ,966 47,103 1,182 1,505 3,705 9,390 6, ,464 3,978 15,334 69,883 1,054 1, ,732 46,973 2,238 1,836 14,470 18,993 15,728 4,205 75,772 25, , ,048 18, ,794 17,818 26,814 35, , , ,137 21,230 13,839 17,000 78, , , , ,519 49,708 9,949 10,225 45,225-10,000 41,688 18,217 1,974 1, ,511 5, , , ,544 12,526 60,000 72,526 57,456 60, ANNUAL REPORT 2013

33 ,646,613 1,561,470 1,584,025 1,677,424 1,757,702 1,667, , , , , , ,923 17,900 19,166 20,886 20,968 20, ,914 57,207 49,151 38,389 30,443 24,532 45, , , , , , , ,051,908 2,059,435 2,097,773 2,200,459 2,220,791 2,066, , , , , , , , ,653 1,038,598 1,124,089 1,039, ,395 1,702,706 1,736,932 1,777,470 1,880,747 1,916,561 1,704, , , , , , ,841 75,929 75,929 75,929 75,929 75,929 75,684 84,386 84,386 84,387 84,387 81,227 80, , , , , , ,753 5,833 5,831 5,829 5,590 5,584 5,581 12,439 4,373 2,275 3,523 1,921 9,678 13,936 5,909 3,883 5,050 2,879 10,059 1,496 1,535 1,608 1, , , , , , ,519 2,051,908 2,059,435 2,097,773 2,200,459 2,220,791 2,066, , , , , , ,741 37,394 37,893 25,484 30,661 28,661 33,603 41,529 41,001 28,706 33,787 32,223 36,557 41,416 16,133 15,073 31,270 22,955 35,135 12,390 12,225 7,171 10,580 12,142 21,809 4,879 33, ,552 9,875 11,252 24,147 5,613 7,596 16,137 44,972 24,578 ANNUAL REPORT

34 CD VisaMasterCard JCBJCB Net GE SAISON CARD EXPRESS mydoplus 9 Super Value Plus ResonaCardS Ubiquitous ANNUAL REPORT 2013

35 UC 3 6 7LABI ALL-S 1011.com 075Heart One YM 67 18% SAISONUC UC & AMERICAN EXPRESS NEO MONEY PLUS 6 8 O2O Visa Coiney 10 Ubiquitous ANNUAL REPORT

36 20137 Vietnam Saison Consulting Company Limited F F F ORE3F 16 SMARK cocoon KDX2F TOKYO-BAY NS2F F NOF4F F F F No F, No Landmark East Nanjing Rd. Shanhai, China Vietnam Saison Consulting Company Limited 12th Floor, CDC Building, 25 Le Dai Hanh, Hai Ba Trung, Hanoi, Vietnam 32 ANNUAL REPORT 2013

37 2 JPN JPNJPN No. 1 VIP CONCERT HALL THE PRIME uraku AOYAMA SAISON UC80 1 Bulas HULFT e e CO.,LTD F TEL ,6891, , ,444 ANNUAL REPORT

38 クレディセゾン 会 社 概 要 2013

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