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A comprehensive financial services strategy

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A comprehensive financial services strategy

The AIFUL Group's comprehensive financial services strategy

Today's consumer finance niche markets are fast approaching maturity. With the number of players increasing, competition for within the entire consumer credit market is intensifying. Faced with this environment, the AIFUL Group has responded by gradually shaping itself over the past seven years into a "comprehensive financial services strategy for the retail sector." AIFUL brought LIFE Co., Ltd. (a shinpan / installment-sales finance company) into the AIFUL Group, and established the business loan company Businext in a joint venture with the Sumitomo Trust & Banking Co., Ltd. Rather than continuing to focus on in its existing consumer finance business, AIFUL has instead chosen to expanded its range of services to encompass all segments of the consumer credit market, including the credit card business, business loans, and home equity loans. By adopting this strategy, the Company intends to ensure stable growth and profitability into the future.