Operating revenue was 107.5 billion yen and Profit attributable to owners of parent was 16.8 billion yen which progressed well as outlook.
The number of new accounts reached 212,000, the highest since FY2005 3Q. Accordingly, operating assets grew by double digits to 977.3 billion yen.
Due to aggressive spending on advertising and an increase in allowance for doubtful accounts etc. on the back of asset growth, operating expenses increased 12.4% YoY to 89.8 billion yen.
JCR credit rating was upgraded by one notch to BBB+/ Positive Outlook.
4
Consolidated Results Outline
Operating assets： increased 12.6% YoY due to steady growth in the core business such as loan business and credit guarantee business, and a recovery in the credit business.
Credit guarantee business: increased 17.6% YoY to 194.5 billion yen mainly driven by loan on deeds such as loan consolidation (up 14.5 billion yen YoY)
(¥ million)
22/3
23/3
YOY
YOY%
23/3(E)
YOY
YOY%
3Q
3Q
Total operating assets
867,718
977,341
109,622
12.6%
1,007,600
120,192
13.5%
Loan business
568,878
625,936
57,058
10.0%
649,100
66,750
11.5%
Unsecured
493,801
534,184
40,382
8.2%
557,300
52,044
10.3%
17,973
Secured
23,341
5,368
29.9%
23,600
5,317
29.1%
Small business
57,103
68,410
11,307
19.8%
68,200
9,389
16.0%
Credit business
117,369
137,447
20,077
17.1%
143,800
27,019
23.1%
Guarantee
166,469
195,282
28,813
17.3%
202,000
29,302
17.0%
Credit guarantee
165,486
194,597
29,111
17.6%
201,300
29,502
17.2%
3Q
Other
983
685
-298
-30.3%
600
-300
-33.4%
Progress
Operating revenue
98,492
107,583
9,091
9.2%
144,800
12,702
9.6%
74.3%
Operating expenses
79,889
89,828
9,938
12.4%
121,000
144
0.1%
74.2%
Operating profit
18,602
17,755
-847
-4.6%
23,800
12,557
111.7%
74.6%
Ordinary profit
18,963
18,320
-642
-3.4%
24,000
11,734
95.7%
76.3%
Profit attributable to owners of parent
18,161
16,869
-1,291
-7.1%
21,300
8,965
72.7%
79.2%
5
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aiful Corporation published this content on 10 February 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 10 February 2023 09:09:09 UTC.
AIFUL CORPORATION is a Japan-based company mainly engaged in loan business, credit sales business, credit guarantee business and receivables management and collection business. The Company operates in three segments including Aiful Co., Ltd., Life Card Co., Ltd. and AIRA & AIFUL Public Company Limited. The loan business is involved in consumer finance business, real estate secured finance business, and finance business. The credit sales business provides a comprehensive credit purchase mediation business. The credit guarantee business provides credit guarantees for loans provided by financial institutions. The receivables management and collection business is engaged in the management and collection of various types of receivables. Other businesses include venture capital business and rent guarantee business.
AIFUL CORPORATION 
