JACCS is one of the leading company in Japan’s consumer finance sector. JACCS Co., Ltd, started out as provider of monthly installment credit services in Hakodate, Hokkaido, in 1954. Since then, under a founding philosophy that values trust and reliability, JACCS, has continued to expand its business nationwide in Japan and has expanded its business into growth markets in Asia. JACCS’s main business comprise the credit business, the credit card business, and financing business, which includes credit guarantees and other operations.We drew on our expertise in the consumer credit business in looking in to expand in markets in the fast-growing ASEAN region. After entering Vietnam in 2010 , we expanded into Indonesia in 2012 and the Philippines in 2016 . In Cambodia, we started our operation in March 2018. We aim to stabilize our operations while solidifying our business foundations and stepping up efforts to expand our business . We also seek to maintain top position in each market while establishing a strong brand presence for JACCS.We will also deploy business resources in other swiftly expanding Southeast Asian countries to swiftly penetrate new markets.