Message from the President

“JACCS contributes to the realization of a future inspired by dreams and an affluent society.”

Since JACCS' establishment in 1954, based on its founding philosophy of "Trust is the basis for all," and underpinned by strong belief that acting in good faith forms the cornerstone of all our activities, JACCS has built trust and reliability by earnestly engaging with its customers while continuously responding to each individual's lifestyle needs. With that trust and reliability as its foundation, the Company has grown such businesses as credit, credit card and payments, and financing, and in recent years has developed overseas operations centering on countries in the ASEAN region. As a consumer finance company, we have achieved steady growth.

Social changes are accelerating, including increased geopolitical risks and innovations in digital technology. In the Japanese economy, the Nikkei stock average has reached levels exceeding the bubble period, and the Bank of Japan has taken steps to raise interest rates for the first time in 17 years, marking a major turning point toward breaking free from deflation. Amid increasing global uncertainty, companies must quickly respond to various challenges with an eye to the future.

The JACCS Group has reached the milestone of 70 years since its founding, and our commitment to consistently focusing on our customer' needs while contributing to the realization of "a future inspired by dreams and an affluent society" is unwavering from the time of the Company's establishment. In the future, we will work to perceptively adapt to evolving needs and continue to provide products and services that offer a high degree of convenience while building connections to the lifestyle of each individual. Furthermore, we will work vigorously through the JACCS Group's business activities daily to help realize for all our stakeholders "a future inspired by dreams and an affluent society."

In these endeavors, we look forward to your ongoing support and understanding.

Ryo Murakami
President and Representative Director
April 2025