SMBC Consumer Finance Co Ltd, formerly Promise Co., Ltd., is a Japan-based company that specializes in the consumer finance industry. The Company operates in four business segments. The Financial segment is engaged in the provision of unsecured/unguaranteed loans in small sums to individual customers. The Guarantee segment guarantees unsecured loans to individual customers. The Servicer segment is engaged in the servicer business. The Overseas segment is engaged in the consumer financing business in Hong Kong, Thailand, China and Taiwan. On December 7, 2011, Sumitomo Mitsui Financial Group, Inc. and Sumitomo Mitsui Banking Corporation became the parent company of the Company.