President’s Message

I would like to take this opportunity
to express my gratitude to our
stakeholders for their support.

We aim to become a “Global
Financial Group” providing
products and
services that surpass customer expectations, and which
is trusted and
needed in Japan
and around the world.

The AIFUL Group aspires to be a global financial group that provides products and services surpassing customer expectations and is trusted and needed in Japan and around the world. To this end, the Group upholds the corporate philosophy of “Earning the trust of society through corporate activity based in integrity,” and pursues its mission of supporting the sound consumption and business activities of customers, thereby contributing to the economy and society. To embody what our Group aspires to be, we focus on maintaining an optimal balance among safety, profitability, growth and efficiency.


With regard to our efforts to secure safety, we are striving to diversify our financial services and business portfolio and aiming for a 20% shareholders’ equity ratio as an indicator. Our initiatives on profitability include accelerating cost reduction by cutting fund procurement costs and introducing business process re-engineering (BPR) and robotic process automation (RPA), aiming for ROA of more than 2% and ROE of more than 10% as indicators.


In terms of growth, we aim to achieve growth of more than 10% per year in operating assets by increasing the balance of the credit guarantee business and the overseas business, which are expected to grow. Regarding efficiency, we strive to cut fixed costs and improve productivity, while promoting integrated group management.


We continue to promote these efforts even further, accelerating our initiatives to become a global financial group which is trusted and needed in Japan and around the world.

June 2021

President and CEO

M. Fukuda