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First, we would like to extend our heartfelt gratitude for your continued invaluable support.

Funded by Sumitomo Mitsui Trust Bank and Panasonic as our shareholders, and we are a general finance company inheriting characteristics of bank-affiliated lease companies and manufacturer-affiliated credit companies as a descendant of them.

The following four categories are our main business: for corporate customers, "Wholesale business" supporting equipment investment of large companies and providing operating funds for operation of medium-scale, small and medium-sized companies and "vendor lease business" contributing to sales expansion of companies through lease for purchasers of products, and for individual customers, "credit business" providing funds to purchase home appliances at Panasonic retailers, and "finance business" to support funding of house reform, etc.

In any business, we are pursuing business expansion by utilizing the customer base and advantages of the both shareholders. We are aiming to solve business issues of corporate customers and create additional value for individual customers by fully utilizing the customer base, fund-raising capability and capability to develop financial products held by Sumitomo Mitsui Trust Group, or the customer base, capability to develop products and marketing capability including establishing distribution channels, etc. held by Panasonic Group, for example, and through proposal of solutions developed by our unique idea.

Our all staff members will make every effort toward continuous growth with customers by flexibly responding to customer needs which are becoming diversified with the times.

We sincerely hope that we will have the privilege to receive your continued support for our endeavors.

Akira Kamiyo, President
Sumitomo Mitsui Trust Panasonic Finance Co., Ltd.

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