Shikoku Bank Expands Use of Seiko Solutions' 'Loan Cloud Platform Corporate Transaction Service'

## Shikoku Bank Expands Use of Seiko Solutions' 'Loan Cloud Platform Corporate Transaction Service'

Seiko Solutions Inc.'s 'Loan Cloud Platform Corporate Transaction Service' for financial institutions has been newly adopted by Shikoku Bank for three additional services, which have now entered production use:

- Electronic Contract Service (Started in December 2025)
- Overdraft Service (Started in December 2025)
- Credit Guarantee Association Linkage Service (Started in April 2026)

Notably, the introduction of the Credit Guarantee Association Linkage Service has enabled the digitization of application procedures for the Kochi Credit Guarantee Association. This initiative is a first for a financial institution headquartered in Kochi Prefecture. It is expected to shorten the time from application to receipt of the screening response, contributing to swift responses to customers' funding needs.

Shikoku Bank is promoting the sophistication of consulting sales and productivity improvements through DX. As part of these efforts, and to meet the increasing need for rapid and sophisticated financial support for corporate customers, the bank has been utilizing Seiko Solutions' platform since 2023. This additional adoption aims to further evolve these efforts and promote loan DX.

### Services and Their Benefits

Through these implementations, Shikoku Bank has achieved the following:

#### Electronic Contract Service
Allows loan contracts to be completed online. This reduces the need for branch visits and paperwork, improving customer convenience. Furthermore, encryption technology for electronic signatures prevents forgery and tampering, ensuring highly secure contracts.

#### Overdraft Service
Enables 24/7 web-based application for overdraft services, facilitating rapid response to funding needs.

#### Credit Guarantee Association Linkage
Digitizes everything from application to the receipt of screening results, accelerating the screening process and reducing administrative burdens.

### Future Outlook

Seiko Solutions will continue to support Shikoku Bank in realizing the 'strengthening of customer touchpoints' and 'enhancement of customer value' set forth in its Medium-Term Management Plan 2026 through reliable digital solutions.

### Overview of the Loan Cloud Platform Corporate Transaction Service

This platform is a cloud service for financial institutions that realizes online application reception, standardization of screening/approval processes, and acceleration of contracting/execution. It provides comprehensive digital support for business loan procedures, including electronic contracts, overdrafts, and credit guarantee association linkages.