Renewed efforts to grow as a comprehensive financial services strategy

Conditions in the industry are increasingly challenging: new laws relating to the Moneylending Business Restriction Law are soon to be implemented, money market rates are on the rise, and competition, now crossing industry boundaries, grows ever stronger. The lowering of maximum interest rates and imposition of transaction volume limits scheduled to take place in three years will require every company in the industry to radically rethink their existing business models. In the future, the relative merits of business strategies will be closely scrutinized. In this difficult and uncertain environment, the AIFUL Group's business policy is to strengthen its market presence while increasing corporate value through the continued expansion as a comprehensive financial services company. To achieve this, AIFUL is working to improve management efficiency throughout the entire Group by undertaking drastic improvements to its cost structure, while continuing efforts to achieve the optimum business portfolio structure. Specifically, the Group intends to shift from the maturing consumer finance business to areas where future growth is forecast, including the credit card business and business financing. Over the medium to long term, this will allow the Group to reduce unsecured loans to 50% of the Group's total receivables.

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