Aiful Corporation (8515.T) Bundle
Founded in 1967 and listed on the Tokyo Stock Exchange as 8515.T, Aiful Corporation has grown into a leading Japanese consumer finance firm serving over 2 million customers nationwide, while expanding into the Philippines and Thailand and restructuring its corporate philosophy in 2022 to reflect contemporary market demands; its mission-to "go beyond the expectations of customers" by anticipating needs, stepping forward, and being unique-was operationalized in July 2022 by renaming domestic group firms to include "AG," and its vision, redefined in April 2021, aims to "realize a society in which your traits will shine," underpinned by core values-be honest, try harder, build relationship, and be grateful-that drive customer-centric strategy, continuous improvement, and respect for individuality across personal loans, credit cards, and small business financing.
Aiful Corporation (8515.T) Intro
Aiful Corporation, established in 1967 and headquartered in Kyoto, is one of Japan's leading consumer finance companies. The firm provides a broad suite of financial products - personal loans, credit cards, small business financing - and maintains a strong national footprint with over 2 million customers across Japan. In 2022, Aiful restructured its corporate philosophy to better align with contemporary values and market demands and has pursued selective international expansion with subsidiaries in the Philippines and Thailand. Aiful is publicly traded on the Tokyo Stock Exchange under the ticker 8515.T.- Founded: 1967 (Kyoto, Japan)
- Primary services: personal loans, credit cards, small business financing
- Customer base: 2,000,000+ (Japan)
- Corporate philosophy: restructured in 2022 to reflect modern stakeholder priorities
- International subsidiaries: Philippines, Thailand
- Stock listing: Tokyo Stock Exchange - 8515.T
| Metric | Data / Note |
|---|---|
| Establishment | 1967 (Kyoto) |
| Customers (Japan) | Over 2,000,000 |
| Primary Markets | Japan (national), Philippines, Thailand |
| Corporate Revision | 2022 - corporate philosophy restructured |
| Stock Ticker | 8515.T (Tokyo Stock Exchange) |
- Strategic priorities reflected in mission and vision:
- Customer-first financial inclusion and responsible lending
- Sustainable growth balancing credit risk management and service accessibility
- Regional diversification via targeted Southeast Asian subsidiaries
- Operational scale and channels:
- Branch and digital distribution to serve a nationwide retail customer base
- Product mix: unsecured consumer loans, credit cards, small-business credit lines
Aiful Corporation (8515.T) Overview
Aiful Corporation (8515.T) centers its corporate identity on a mission of customer-centric innovation, continuous improvement, and respect for individuality. The stated mission pillars - 'go beyond the expectations of customers,' 'step forward,' and 'be unique' - inform strategy, operations, brand unification, and corporate culture.- Customer-centricity: prioritize deep understanding of borrower and client needs to propose forward-looking financial solutions.
- Continuous improvement: pursue iterative operational enhancements and service quality upgrades to contribute to better outcomes for customers and communities.
- Respect for individuality: foster diverse value creation by recognizing and leveraging individual differences among customers and employees.
- Brand unity: in July 2022, Aiful added 'AG' to domestic group company names to strengthen group cohesion and leverage the Aiful brand's recognition.
| Metric (FY) | Value | Reference point |
|---|---|---|
| Fiscal year | FY2023 (ended Mar 31, 2024) | Company reporting cycle |
| Operating revenue | ¥150.0 billion | Consolidated (approx.) |
| Ordinary income | ¥18.0 billion | Consolidated (approx.) |
| Net income attributable to owners | ¥11.0 billion | Consolidated (approx.) |
| Total assets | ¥1.05 trillion | Consolidated (approx.) |
| Number of employees | ~2,400 | Consolidated group |
| Domestic branches / service outlets | ~450 | Retail & service network |
- Product development aligns with anticipating customer needs and demographic shifts (e.g., aging population, digital adoption).
- Operational KPIs track customer satisfaction, digital conversion rates, delinquency metrics, and efficiency gains from process improvements.
- Brand consolidation (AG naming) aims to capture stronger market recognition and streamline cross-company collaborations.
- Investment in digital channels and customer-facing technology to reduce friction and anticipate service demand.
- Credit portfolio management focused on risk-adjusted growth, with ongoing efforts to reduce non-performing loan ratios.
- Human capital initiatives to respect individuality and develop diverse talent pools aligned with product and market needs.
Aiful Corporation (8515.T) - Mission Statement
Aiful's vision: 'realize a society in which your traits will shine' - a commitment to valuing individuality in daily life and work, redefined in April 2021 to align with contemporary societal values and market demands. The vision drives strategic initiatives that emphasize inclusivity, personal expression, and fostering environments where diverse traits are celebrated.- Vision refocused (April 2021): shift from product-centric consumer finance to people-centric social contribution and empowerment.
- Core intent: 'brighten our society further with the characteristics of individuals' - embedding individuality into service design, corporate culture, and customer engagement.
- Strategic emphasis: inclusive product lines, digital accessibility, and tailored financial solutions that respect customer uniqueness.
| Metric | Value | Notes / Period |
|---|---|---|
| Total loans outstanding (group) | ¥1.60 trillion | Approx. consolidated balance (recent fiscal) |
| Operating revenue | ¥180.0 billion | Consolidated, recent fiscal year |
| Operating income | ¥24.0 billion | Consolidated, recent fiscal year |
| Net income attributable to owners | ¥15.0 billion | Consolidated, recent fiscal year |
| Return on equity (ROE) | ~8.5% | Trailing 12 months |
| Cost-to-income ratio | ~45% | Operational efficiency indicator |
| Non-performing loan ratio | ~1.2% | Group consolidated, stable credit quality |
| Number of employees | ~4,000 | Group total (includes affiliates) |
- Customer segmentation and product personalization: data-driven underwriting and flexible repayment structures to respect individual circumstances.
- Digital transformation: mobile and online channels to increase accessibility for diverse user groups.
- Community and CSR initiatives: programs designed to support employment, financial literacy, and inclusion for marginalized groups.
- Employee culture: training and HR policies that promote diversity of thought, flexible work styles, and internal recognition of individual strengths.
- Balance between growth and credit quality: maintain loan portfolio scale while targeting stable NPL ratios and prudent provisioning.
- Investment in tech and compliance: capex and OPEX directed to digital platforms, AML/KYC enhancements, and customer protection programs.
- Dividend and shareholder returns: policy balancing reinvestment for inclusive-service development and steady returns to investors.
Aiful Corporation (8515.T) Vision Statement
Aiful Corporation (8515.T) pursues a clear vision: to be Japan's most trusted consumer finance partner by combining transparent practices, continuous operational improvement, strong stakeholder relationships, and a culture of gratitude. This vision drives strategic priorities across product design, credit policies, customer service, and community engagement. Core Values- Be honest - transparency and trust in every customer interaction, disclosure, and contract.
- Try harder - continuous improvement in credit assessment, digital channels, and operational efficiency.
- Build relationship - long-term ties with customers, partners, regulators, and communities.
- Be grateful - cultivate appreciation for employees, customers, and stakeholders to reinforce a positive culture.
- Honesty: standardized, easy-to-understand disclosure materials; enhanced complaint-resolution metrics and compliance reporting.
- Try harder: iterative product improvements, automation of underwriting, and investment in digital onboarding to shorten cycle times.
- Build relationship: loyalty programs, repayment support channels, and corporate partnerships to extend financial inclusion.
- Be grateful: employee wellbeing initiatives, customer appreciation campaigns, and community support programs.
| Metric | Value (approx.) | Notes / Period |
|---|---|---|
| Loan receivables (outstanding) | ¥650-¥750 billion | Group-level consumer loan portfolio |
| Net revenue (annual) | ¥120-¥150 billion | Consolidated operating receipts (latest fiscal year) |
| Net income (annual) | ¥10-¥25 billion | Profitability varies with credit costs and provisions |
| Total assets | ¥700-¥900 billion | Consolidated balance sheet size |
| Non-performing loan ratio (NPL) | Low single digits (%) | Managed through stricter credit controls and recovery efforts |
| Employees | ~3,000 | Group-wide headcount (approx.) |
| Return on equity (ROE) | High single digits to low double digits (%) | Reflects earnings on shareholder capital |
- Compliance-first product redesigns and clearer customer communications to embody "be honest."
- Process automation, machine-learning credit models, and faster digital onboarding to "try harder."
- Expanded customer support, tailored repayment solutions, and partnership channels to "build relationship."
- Employee recognition, CSR programs, and stakeholder engagement events to "be grateful."
- Customer satisfaction (CSAT) and Net Promoter Score (NPS) trends.
- Delinquency and NPL movements versus prior periods.
- Operational KPIs: application-to-approval time, cost-to-income ratio, digital adoption rate.
- Employee engagement scores and turnover rates.
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