Having grown through steady business expansion since its foundation in September 2007, SBI Sumishin Net Bank is now a leading digital bank in Japan. I would like to express our gratitude for your support in this journey.

With a creative vision, we have introduced new products and services to society, putting forward the concept of next-generation financial institutions. Our strength lies in the speedy execution of this process, and quick decision-making to support the execution is the very core of our competitive edge.

Creation and transformation coming from flexible ideas and quick decision-making have been the driving force of SBI Sumishin Net Bank’s rapid progress. All units, from front-office to back-office functions, will continue to work on creation and transformation both for our daily operations and for services we provide, aiming for further development of the Group.

SBI Sumishin Net Bank is a company born from the integration of information technology with finance. Our future growth depends on how it can lead the industry in the field of fintech, especially in big data and mobile.

We have worked to provide more convenient and comfortable services with use of cutting-edge IT infrastructure. For example, we have introduced an AI screening model for mortgage loans, offered transaction lending service for corporates, and partnered with fintech companies by becoming the first Japanese bank to open up its APIs. Going forward, we will continue our efforts to steadily establish our foothold in fintech, as well as to provide better products and services with customer centricity.

It is our goal and reason for existence to change society to be a more comfortable and convenient place by transforming financial services through innovations, using cutting-edge information technologies.

Nowadays, banking as a service is more emphasized and sought for than banking as a business type. At this turning point in history, SBI Sumishin Net Bank intends to create the future of finance by achieving further transformation with flexible ideas and quick decision-making.

We would appreciate your continued support in this endeavor.

Kenji Yamada, Chairman

Noriaki Maruyama, President and CEO