In Japan, ITOCHU is involved in the credit card and credit sales businesses, with a total of around 16 million credit card holders, through capital participation in POCKET CARD CO., LTD. and Orient Corporation (listed on TSE Prime).
Overseas, we are conducting the business of unsecured loans to individuals through capital participation in United Asia Finance Limited in Hong Kong and Mainland China and EASY BUY Public Co., Ltd. in Thailand. In addition, First Response Finance Limited, which is our wholly-owned subsidiary in the UK, is involved in the car finance business.

In recent years, we also established ACOM CONSUMER FINANCE CORPORATION jointly with ACOM CO., LTD. and entered the business of unsecured loans for individuals in the Philippines. Through initiatives such as these, we will continue working to provide financial services to meet the needs of individuals and will contribute to the development of local communities, focusing on Asia where the middle-income group is expected to expand in the future.

We operate an FX business for individuals through capital participation in Gaitame.com Co., Ltd.
We also provide financial education and a loanable investment platform in cooperation with the startups and partners that we invest in.
Going forward, ITOCHU will expand its various financial services for personal asset management.

We are working to provide many different, new services related to remittance, payment, asset management, insurance and other areas to meet the needs of customers.
More specifically, we are entering the salary pre-payment and factoring businesses via MONEY COMMUNICATIONS INC. and investing in new areas such as BNPL (Buy Now Pay Later) and microfinance.
Moving forward, we will create advanced, user-friendly next-generation financial services through investment in and partnership with domestic and international FinTech startups and venture companies and make these services available to enterprises and consumers.

In 2014, ITOCHU made a full-scale entry into the retail life insurance intermediary business through its investment into Hoken no Madoguchi Group Inc., the leading insurance agency which has over 700 retail insurance shop network countrywide. HOKEN NO MADOGUCHI deals with companies face-to-face on a day-to-day basis, in line with its corporate philosophy of being “an excellent and the most caring company for customers,” and it enjoys strong customer support for proposing insurance products which best meet customer needs. ITOCHU has sent many officers and employees on secondment to HOKEN NO MADOGUCHI to promote its further growth and development and is deeply involved in its business management. Moving forward, ITOCHU will leverage HOKEN NO MADOGUCHI as its base in the retail insurance field to expand the business further.

With respect to insurance for trade transactions, ITOCHU provides high value-added marine cargo insurance, trade credit insurance and other risk solutions, utilizing know-how cultivated with years of experience as a general trading company.
Through the companies of the ITOCHU Corporation Group, we provide extensive solutions to corporate and individual customers both domestically and internationally.
In Japan, ITOCHU Orico Insurance Services Co., Ltd. provides highly useful insurance products selected from among numerous insurance products in light of increasingly diverse and complex risks to both corporate and individual customers.
Cosmos Risk Solutions Co., Ltd. proposes insurance-based solutions addressing different risks related to the ITOCHU Corporation Group's overseas operations.
Overseas, under the Cosmos brand, ITOCHU has built a global brokerage network — the largest of its kind for a Japanese-affiliated company based in Hong Kong and Thailand. In addition, ITOCHU is working to expand transactions, for example, motorbike insurance in Southeast Asia and pet insurance in Thailand, in local markets with a focus on the retail area.

NEWGT Reinsurance Co., Ltd., a single-parent captive of ITOCHU, mainly reinsures risks from affiliated and related companies of ITOCHU, with the marine cargo business as its major line. Meanwhile, eGuarantee, Inc. (listed on TSE Prime) is a guarantee specialist whose largest shareholder is ITOCHU. As the only listed company in Japan with the unique business model of undertaking and liquidating credit risks, it underwrites credit risks such as sales credits and bills owned by large companies, small and medium enterprises, and financial institutions, helping to facilitate transactions between businesses. In 2019, ITOCHU entered the retail risk guarantee business of by investing in Gardia, Inc., which operates the retail credit guarantee business. As a pioneer in the retail credit guarantee business sector, Gardia provides new guarantee services, using technology to define diverse retail risks such as the risk of "No Show" at restaurants and shows.