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 services 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, and growth so as to be consistently prepared to adapt to any environmental changes. In addition, we also place emphasis on business risk management, which is the cornerstone of financial services business, with the aim of achieving further growth and development and ensuring the Group’s going-concern status.


With regard to our efforts to secure safety and growth, we are striving to increase outstanding loans in the loan business, the core business of the Group, while diversifying our financial services and business portfolio by proactively increasing the market share of our other businesses including the credit guarantee business and overseas business. Our initiatives on profitability include increasing the top line by boosting our operating assets and accelerating cost reduction by cutting fund procurement costs and introducing business process re-engineering (BPR) and robotic process automation (RPA) to streamline operations and enhance efficiency.


We make all-out efforts to gain the trust of society by giving top priority to our customer-first policy and compliance as part of our code of conduct aimed at embodying our corporate philosophy.


The AIFUL Group defines our customer-first policy as “gaining lasting support and trust by prioritizing customers and responding to them with integrity.” Adhering to this policy, we capitalize on the Group’s signature creativity to support the sound economic activities of our customers and provide products and services that meet their needs in our effort to gain their lasting support and trust.


While striving to meet the expectations of all our stakeholders including our customers, we engage in our daily operations by adhering to correct moral and ethical values as well as, needless to say, maintaining legal compliance. We consider the act of contributing to society through our business activities as our basic approach to compliance.


Lastly, in the business environment surrounding the AIFUL Group, stable growth is expected in both our domestic financial services businesses, including the loan business for consumers and business operators as well as the credit card business, and our overseas business, mostly in the ASEAN region. As the needs of customers diversify, we are required to undertake speedy reform. We are determined to make our utmost efforts to fulfill the expectations of all our stakeholders.

June 2020

President and CEO

M. Fukuda