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1 What s the G oal?

2 The Goal is Satisfaction 1 1

3 CONTENTS What s the Goal? CREDIT SAISON CO., LTD. 1

4 O Resona Card+S Achieve Goals k 241 1, mydoplus 80

5 by Innovating Ubiquitous

6 / , , , , , , ,771 9,824 12, ,590 54,005 52, ,514 52,955 51, ,818 22,419 6, , , , ,512,949 1,352,709 1,280, , , , ,596,185 2,408,698 2,342, ,078,116 1,912,210 1,808, , , , ,690 1,587 1, ROE ROA ROEROA 2 CREDIT SAISON CO., LTD.

7 Stakeholder Satisfaction Matters! Goal CREDIT SAISON CO., LTD. 3

8 %2, , % % %318 1 NILSON REPORT 2005 UFJ 3 5 Suica L 19 L ,962 24,086 23,428 21,216 18,557 1,690 1,587 1,490 1,340 1,140 4 CREDIT SAISON CO., LTD.

9 For the Customer UC mydoplus10 Resona Card+S ,8201, Ubiquitous 3 No.1 Ubiquitous Ubiquitous No.1 CREDIT SAISON CO., LTD. 5

10 Ubiquitous 2701,8201,000 51,300 3,000 16% mydoplus % 241 1,690 20, ,300 17, ,000 38,000 3 No Web 6 CREDIT SAISON CO., LTD.

11 M&A IPO , CREDIT SAISON CO., LTD. 7

12 Industry leadership is our goal. Intelligent alliances are driving the value creation that we need to achieve our objective and that our partners need to achieve theirs. Aim High 8 CREDIT SAISON CO., LTD.

13 What s the Goal? L 16% 30% O UC UC CREDIT SAISON CO., LTD. 9

14 Do More We refuse to sit still. We refuse to become complacent. We will never stop innovating to delight our customers. This drive has made us a leader. 10 CREDIT SAISON CO., LTD.

15 What s the Goal? 5 Ubiquitous CM %2 781 ETC AIG DoCoMo au Vodafone ISP Yahoo! DION POWERDCOM So-net OCN 150 ETC CREDIT SAISON CO., LTD. 11

16 New ways, better ways, smarter ways to satisfy customers. That s why our customers rate Credit Saison as one of Japan s strongest brands. And that s how we generate strong earnings growth. Play Smarter 12 CREDIT SAISON CO., LTD.

17 What s the Goal? CSES 5 Ubiquitous CS ES CS 900 Ubiquitous Ubiquitous Ubiquitous Ubiquitous IT Ubiquitous IT CREDIT SAISON CO., LTD. 13

18 Our people are our power. Our people are empowered. We have the freedom and the responsibility to grow, to innovate, to succeed. Jump Higher 14 CREDIT SAISON CO., LTD.

19 What s the Goal? 21 C-BOARD 7.1% % 2.3% 18.5% % 4.1% 12.5% % 5.4% 14.0% 86.0% 3.2% % % 5.3% 35.7% % 4.8% 19.8% % 5.9% 24.3% 75.7% 5.5% CREDIT SAISON CO., LTD. 15

20 CREDIT SAI 150 urakuaoyama CREDIT SAISON CO., LTD.

21 33 SON GROUP 200 VISA MasterCard 2 HULFT 5 CREDIT SAISON CO., LTD. 17

22 FAX 18 CREDIT SAISON CO., LTD.

23 UC O UC UC CREDIT SAISON CO., LTD. 19

24 CSR CS 20 CREDIT SAISON CO., LTD.

25 O 12 CREDIT SAISON CO., LTD. 21 L

26 PEC MUJI Card L Mitsui Outlet Park Franc franc ALTA AMU CLUB Mei L.L.Bean Club POWER S cocoon & PEC UA TOHO JAPAN PADI K-1 FEG RHSJ RHSJ DoCoMoCard AOL WOWOW WOWOW m z PLUS JAF ETC Resona Card + S CLOVIA CARD mydoplus 22 CREDIT SAISON CO., LTD.

27 CONTENTS CREDIT SAISON CO., LTD. 23

28 , , , , , , , , , , , ,074 9,771 9,824 12,810 13,370 15,747 14,918 58,590 54,005 52,414 59,672 44,125 39,610 56,514 52,955 51,001 59,698 42,943 39,690 31,818 22,419 6,026 18,225 13,548 16, , , , , , ,933 1,512,949 1,352,709 1,280,822 1,256,898 1,719,109 1,769, ,146,928 1,011, , , , , , , , , , , % ROE ROA , , , , , , , , , ,554 87,371 83,119 8,186 7,154 7,607 7,401 8,604 9,347 46,659 44,824 43,123 41,247 37,800 33,563 46,985 45,051 44,250 41,161 37,043 33,793 25,798 24,396 5,026 12,285 16,521 14, , , , , , ,284 1,290,066 1,155,776 1,085,348 1,057,840 1,031, , , , , , , , , , , , , , % ROE ROA ,078,116 1,912,210 1,808,624 1,629,199 1,420,243 1,278,719 9,440 13,367 17,369 19,267 20,771 24,256 36,179 31,683 53,433 56,316 14,646 25, , , , , , , , , , , , ,495 82,998 73,665 71,960 51,788 35,192 23,919 2,763 9,445 9,281 11,677 13,729 8,316 6,604 9,788 9,426 8,914 8,331 3,383,680 2,924,399 2,969,794 2,730,437 2,413,174 2,189, CREDIT SAISON CO., LTD.

29 %2, % % % % 2, , , , , %1, CM % % 6.4% % 43,861 41, ,783 32, ,825 8, , , , ,699 21, ,853 31, ,066 24, , , % % % % % ,061 3 CREDIT SAISON CO., LTD. 25

30 % % %1, % , % 5, % 1, % 400 1,372 4, % 300 3, % % 196, , ,200 46, ,027 15, ,358 1, ,371 10, ,535 4, ,853 5, ,635 1, ,359 7, ,404 2, , , ,134 57, (1,448) (1,497) (3,544) (3,143) 240, , ,590 54, CREDIT SAISON CO., LTD.

31 2004 9L 19 L CM ETC SAISON STATION SAISON CARD MAKER HEART mydoplus 10 Resona Card+S % % % % CREDIT SAISON CO., LTD. 27

32 % % % % % % % % % CP ,2001 1, %16.1% CP5.0%13.3% % 16.1% 5.0% 13.3% 11, , ,650 8, ,330 CP R&I A+a-1 S&P A- 68.5% 3 28 CREDIT SAISON CO., LTD.

33 , , % , , , % 15, , %11, % 1, %1, , % 1 2, %7, %4, %4, , % ,2001 1, %3, %19.9% ROE9.1%11.4% , , , , , % % %121.9% CREDIT SAISON CO., LTD. 29

34 % 1,413,266 1,249, ,495 33, ,476 2, ,483 34, % 2.7% % 111.5% 3 2.4% 2.5% % 39,246 35, ,870 33, ,147 29, ,969 39, ,825 8, CREDIT SAISON CO., LTD.

35 CREDIT SAISON CO., LTD , ,

36 ,307 73,421 1,037, ,697 1, ,175 37,765 17,902 15,612 15,125 10,518 16,383 15,307 41,483 34,612 1,154,527 1,040, , ,335 19,069 15,570 6,375 7,030 1,304 2,902 13,705 9, , , ,696 9, ,950 10,698 98,612 68,468 29,324 36,987 8,606 8,915 5,223 7,807 15,375 19,697 5,486 4, , , , , ,400 1,079 1,783 1,512,949 1,352, ,510 94, , ,292 64,224 22,273 32,080 20,460 6,784 57,000 71,000 3,000 3,127 13,213 23,529 1,740 1,733 3,388 3,446 44,039 33, , , , , , ,086 30,000 33,000 7,121 7, , ,177 6, , ,614 1,207,715 1,094,025 3, ,526 63,667 73,148 67, , ,719 7,263 4,685 3,729 3, , ,253 1,512,949 1,352, CREDIT SAISON CO., LTD.

37 , ,963 12,332 T&E 16,187 16,989 12,631 6,803 5,525 8,083 4,751 12,258 6, , , , ,501 9,771 9, , ,326 58,590 54,005 2,163 1,992 4,238 3,041 56,514 52,955 5,234 7,326 12,446 54,421 40,509 23,238 23,928 1,413 5, ,818 22, ,133 66,788 6, ,148 67, , ,686 31,818 22,419 3,436 3, , , CREDIT SAISON CO., LTD. 33

38 ,421 40,509 42,439 36, ,035 1,000 7,722 3, ,777 5,978 10,447 9,892 1,840 1, , ,371 1,155 7,569 17,513 13, ,654 88,979 30,000 30,000 16,397 6, ,944 8,323 2,305 7,414 6, ,122 60,204 10,544 5,961 10,090 10,025 34,290 1,094 24,714 55,045 29,503 7,965 4,912 22,617 91,698 74,046 1,467 1,937 4,700 9,761 7, ,881 2, ,648 68, ,401 30,763 14,000 73, ,020 68,795 23,817 26,059 43,968 64,723 20,462 40,200 3,127 8,217 5, ,088 4,931 3,058 3, ,260 10, ,113 2,933 73,421 75, ,307 73, CREDIT SAISON CO., LTD.

39 , , , , , , , , , , , , , , , ,205 83,169 73,624 18,269 9,052 7,539 6,802 6,489 5, , ,538 95, , ,521 59, ,629 2,175 3, ,290,066 1,155,776 1,085,348 1,057,840 1,031, , , , , , , , , , , , , , , , , , , ,233 69,526 63,667 63,337 61,302 61,302 61,302 72,933 67,078 66,748 67,736 67,416 67, , , , , ,906 91,885 7,162 4,679 1, ,233 3,419 3, , , , , , ,284 1,290,066 1,155,776 1,085,348 1,057,840 1,031, , , , , , , ,030 46,659 44,824 43,123 41,247 37,800 33,563 46,985 45,051 44,250 41,161 37,043 33,793 42,180 42,349 7,871 21,261 28,658 24,702 19,537 22, ,361 13,944 14,763 3,155 4,368 2,953 1,385 1,807 4,336 25,798 24,396 5,026 12,285 16,521 14, ,025 2,524 10,755 9,650 9,628 7,601 3, ,824 26,920 5,729 21,935 26,150 25,751 CREDIT SAISON CO., LTD. 35

40 Ubiquitous k 4 k GE AIG ! , CREDIT SAISON CO., LTD.

41 Web FEG K VISA Resona Card+S T&E 9 8 SAISON MILE CLUB 6 Web 4 mydoplus SAISON STATION Super Value Plus SAISONPASS 2 1 SAISON CARD EXPRESS SAISON CARD MAKER Net AMERICAN EXPRESS JCB JCB VISAMasterCard VISA MasterCard CREDIT SAISON CO., LTD. 37

42 F TEL Ubiquitous TEL F TEL F TEL F TEL CREDIT SAISON CO., LTD F TEL F TEL Rec F TEL COCOON kk TBK3F TEL k F TEL k F TEL kkk F TEL EPO & kk ES3F TEL DTK1F TEL k kkk F TEL kk k F TEL kk F TEL micc

43 CREDIT SAISON CO., LTD. 6, F TEL % 33.58% 51.99% 1.36% 9.24% ,4221, , , , , , , , , , , , , , , , ,000 TOPIX 2,500 3,200 2,000 2,400 1,500 1,600 1, /1 01/1 02/1 03/1 04/1 05/ ,100 3,320 2,680 3,840 4,070 2,125 1,821 1,881 2,420 3, CREDIT SAISON CO., LTD. 39

44 100% F TEL: TM

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