E-Guarantee Signs Business Matching Agreement with Kyoto Chuo Shinkin Bank

E-Guarantee Co., Ltd. (Headquarters: Minato-ku, Tokyo; President and CEO: Kiminori Eto; hereinafter "the Company") announces that it has signed a business matching agreement with Kyoto Chuo Shinkin Bank (Kyoto City, Kyoto Prefecture; Chairman: Yukihiro Uemura) regarding the introduction of the Company's services.

Outline of the Collaboration

The Company and Kyoto Chuo Shinkin Bank have signed a "Business Matching Agreement," under which the bank will introduce the Company's "eG Guarantee Service" and "eG Collect / eG Pay" services.

Background and Purpose

The Company positions collaboration with partners as a key growth strategy and has already established networks with over 100 organizations, including financial institutions and corporations, to expand the adoption of its services.

In recent years, corporate bankruptcies have been on the rise due to factors such as rising raw material prices, labor shortages, and changing interest rate environments. As a result, demand for enhanced credit risk management and more sophisticated collections processes has significantly increased. In response, the Company has entered into this agreement to build a more effective solution delivery system through collaboration with regional financial institutions, aiming to support corporate financial stability, business growth, and productivity improvements.

This partnership also aligns with the "Regional Financial Strength Enhancement Plan" announced by the Financial Services Agency in December 2025, which emphasizes strengthening regional financial institutions' ability to support client companies in solving business challenges and enhancing their solution offerings through external collaborations. Through this collaboration with Kyoto Chuo Shinkin Bank, the Company will support regional businesses in advancing credit risk management and streamlining billing and collections operations, thereby contributing to the enhanced support capabilities of regional financial institutions and the sustainable development of regional economies.

Overview of the "eG Guarantee Service"

This service provides guaranteed payment, up to a pre-set limit, in cases where receivables from business transactions with clients who have signed a guarantee agreement with the Company remain uncollected.

Overview of "eG Collect / eG Pay"

This service enables the Company's group to handle end-to-end operations related to invoicing, payment tracking, and collections in business-to-business transactions. Clients can outsource these entire processes simply by sharing invoice information with the Company's group. Additionally, if a payment from a client is delayed beyond the due date, the Company's group will make the sales payment on behalf of the client (Note 1), allowing clients to conduct transactions without bearing the risk of non-payment.

(Note 1) Limited to the amount specified in the contract.

Overview of the Partner Organization

Company Name: Kyoto Chuo Shinkin Bank

Address: 91 Hachimonji-cho, Shijo-dori Muromachi Higashi-iri, Shimogyo-ku, Kyoto City, Kyoto Prefecture

Representative: Chairman Yukihiro Uemura

URL: https://www.chushin.co.jp

Company Overview

Company Name: E-Guarantee Co., Ltd.

Address: Akasaka Biz Tower 37F, inside Akasaka Sacas, 5-3-1 Akasaka, Minato-ku, Tokyo

Date of Establishment: September 8, 2000

Representative: President and CEO Kiminori Eto

Capital: 3.99148 billion yen (as of March 2026)

Listed on: Tokyo Stock Exchange Prime Market (Securities Code: 8771)

URL: https://www.eguarantee.co.jp

E-Guarantee Co., Ltd.

Established in September 2000, the Company operates under the mission of "Innovation in finance," providing guarantee services and functioning as a "market for credit risk" where businesses can exchange risk. Annually, the Company conducts credit assessments for approximately 360,000 companies, with a total outstanding guarantee balance exceeding 2.6 trillion yen (as of March 2026). Unlike traditional financial institutions that rely on quantitative and static credit assessments, the Company employs qualitative and dynamic evaluations using big data on intercompany payment behaviors, and will continue to develop innovative financial services tailored to corporate needs.

Contact for Inquiries

E-Guarantee Co., Ltd. Contact: Reina Sonoda

TEL: 03-6327-3031

E-MAIL: irinfo@eguarantee.co.jp