President's Message

To Our Investors and Shareholders

    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.

Under its corporate philosophy, “earn the trust of society through corporate activity based in integrity,” the AIFUL Group makes it its mission to contribute to the economy and society by offering support for the sound consumer and business activities of customers. Setting priority on compliance and a customer first policy, the Group has striven to diversify its financial businesses, including the loan business for both consumer finance and small business, the credit card business, the guarantee business and the overseas business, to provide financial products and services tailored to needs of customers since its foundation in Kyoto in 1967.”


- Compliance -
Compliance in the AIFUL Group means “not only satisfying legal compliance, but also responding to the expectations of all stakeholders.” The Group strives to carry out daily operations to fulfill the sound expectations of customers, shareholders, employees, and local communities, not only based on the legal compliance, but also correct moral and ethical values.

- Customer first policy -
The AIFUL Group defines the customer first policy as “gaining lasting support and trust by prioritizing customers and responding to them with integrity.” To realize the customer first policy, the Group utilizes its strength, which is creativity, to bolster its product development capabilities, to cope with the rapidly changing trend of IT revolution such as AI, while at the same time enhance its credit strength, the bedrock of the financial business. Moreover, each employee provides products and services that meet needs of customers by always thinking about “what is beneficial for customers.” Through these initiatives, the Group strives to gain lasting support and trust from customers.


The scale of the consumer credit market has contracted significantly due to rising demands for interest repayments, as well as the introduction of restrictions on total lending limits following the revision of the Money Lending Business Act. However, with a decline in demand for interest repayments in recent years, the scale of the market is continuously recovering. As for AIFUL Group same trend is shown and the operating assets are increasing steadily. In regards to future initiatives, the Group aim to become a global financial group that is trusted and needed in Japan and around the world, by practicing management consistent with its Corporate Philosophy and striking a balance between the reliability, the profitability, the growth potential and human resources capabilities through diversifying our portfolio in a various financial businesses and expanding its operating assets further.

Also, AIFUL Group will continue remain united in putting forth its best efforts to respond to the support and expectations of all stakeholders in the future.


June 2018
President and CEO

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