CSK Group's IT services business consists of technology services and business services. Technology services mainly encompass services closely related to IT such as IT consulting, systems integration and systems management that we have been providing for a long time. Business services comprise BPO services using contact centers, such as sales support and technical support, ASP services for drugstores, comprehensive securities services for the securities business, and new services that we aim to pursue more actively in the future.

As networks become more widespread, IT has spread from businesses into the home, and has become widely used in automobiles and information devices including mobile phones, to the extent that it is now part of the world's infrastructure. Corporations' needs have also shifted as a result. They no longer require IT capabilities per se and instead are seeking ways to combine IT and business processes or operations to achieve major increases in productivity compared to their existing business processes. Moreover, the extent of their needs is broadening to include areas more closely linked to management strategy, such as ways to establish innovative business models that differentiate them from and give them an advantage over their competitors.

Customers are expressing extremely strong needs for combining IT and business processes to raise productivity and stimulate innovation such as the creation of new business models, but the vendors who can help them meet these needs are limited. This is because such vendors need a deep knowledge of their customers' business processes, and this can only be acquired by providing such business processes.

CSK Group has for many years been building its project management expertise and technological capabilities, while also accumulating knowledge of its customers' industries and businesses through providing them with back office support services. We aim to create new services that go beyond the boundaries of conventional IT services, by combining our strong expertise in the technology service and business service fields to meet customer needs.

By taking full advantage of its business expertise, CSK Group is determined to become a service provider, supporting the sustainable development of its customers, industry and society.

CSK Group's financial services related business operates in three main areas: financial services business such as investment and asset management, securities business, and prepaid card business.

The operating environment for financial services related business is changing rapidly, driven by deregulation and systemic reform, and new business opportunities are emerging. Our intent in this business area is to seize these opportunities and quickly develop new business models, and at the same time create synergies with our technology services and business services, aiming thereby to create hitherto unavailable new services and business models.

Moreover, by diversifying the Group's earning structure, this core business aims to make CSK Group's performance more resistant to fluctuations in the business environment, and by ensuring thorough risk management, it aims to contribute to developing a stable earnings base.