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	7	+Overview
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	11	+Zenkoku Hosho Co., Ltd. engages in the business of credit guarantee services for housing loans. The company offers mortgage, educational, housing, apartments, and card loan guarantee services. It is also involved in the property insurance surrogate, life insurance recruitment, and credit research businesses; and the provision of contract management, consignment, substitution, information processing services and debt collection business. The company was founded on February 19, 1981 and is headquartered in Tokyo, Japan.
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	14	+Financial Results
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	16	+[[http:~~/~~/contents.xj-storage.jp/xcontents/71640/e4c6efbe/3cd3/4525/a19e/cbfbfc2cfa85/20191105151343557s.pdf>>url:http://contents.xj-storage.jp/xcontents/71640/e4c6efbe/3cd3/4525/a19e/cbfbfc2cfa85/20191105151343557s.pdf]]
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	19	+As a result of such efforts, the company recorded an operating revenue of ¥17,623 million (up 8.5% compared to the same period of the previous fiscal year), an operating income of ¥12,805 million (up 6.8% compared to the same period of the previous fiscal year), an ordinary income of ¥13,394 million (up 7.7% compared to the same period of the previous fiscal year), and a net income of ¥9,241 million (up 6.7% compared to the same period of the previous fiscal year) during the six months ended September 30, 2019.
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	22	+Key points
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	24	+[[http:~~/~~/contents.xj-storage.jp/xcontents/71640/deb31d8f/0e91/4f16/9c2e/543fb943a63c/20191112165505977s.pdf>>url:http://contents.xj-storage.jp/xcontents/71640/deb31d8f/0e91/4f16/9c2e/543fb943a63c/20191112165505977s.pdf]]
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	26	+While the outlook for overseas economies caused by trade matters remain in unclear conditions, the Japanese economy continued on a moderate recovery trend due to solid corporate earnings and sustained improvements in employment and income conditions, as well as a recovery in consumer spending.
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	28	+● In the housing market, while the government policies designed to support housing acquisitions and the low interest rate environment for housing loans continued, the number of owner-occupied houses and condominiums out of the number of new housing remained high compared to the same period of the previous fiscal year.
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	30	+● In the housing loan market, interest rates competition continued among financial institutions to acquire housing loans for new and secondhand housing.
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	33	+● Operating revenue Operating revenue amounted to 17,623 million yen as outstanding guarantee exposure remained steady.
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	35	+● Operating expenses Operating expenses progressed as initially forecasted and amounted to 4,818 million yen.
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	37	+● Extraordinary income and loss Extraordinary loss amounted to 93 million yen mainly due to loss on
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	39	+valuation of investment securities owing to impairment changes.
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	41	+● Net income As a result of above situations, net income amounted to 9,241 million yen.
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	44	+Future Prospects
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	46	+[[http:~~/~~/contents.xj-storage.jp/xcontents/71640/e4c6efbe/3cd3/4525/a19e/cbfbfc2cfa85/20191105151343557s.pdf>>url:http://contents.xj-storage.jp/xcontents/71640/e4c6efbe/3cd3/4525/a19e/cbfbfc2cfa85/20191105151343557s.pdf]]
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	48	+For the expansion of the business scale, Zenkoku Hosho Co has exerted its efforts to enhance the utilization rate of its credit guarantee products with the existing partnering financial institutions, and to increase the number of new contracts with prospective partnering financial institutions. In order to enhance the utilization rate of its credit guarantee products with the existing partnering financial institutions, the company made efforts in proposals to increase users for its data linkage system between the Company and the partnering financial institutions. The company also continued to hold presentation sessions on its credit guarantee products and undertake visiting activities to the sales branches. As measures to increase the number of new contracts with prospective partnering financial institutions, the company continuously performed marketing activities, and as a result, signed new contracts with four financial institutions, including one credit union, two JA cooperatives and one JF cooperative during the six months ended September 30, 2019.
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	51	+For the expansion of business domains, the company began consigning its business on managing and collecting its right to reimbursement to AKEBONO Servicer Co., Ltd., a company that became its subsidiary during the previous fiscal year, as well as continued its research on a new business model using AI and blockchain technology.