Presentation Material for the Second Quarter of FY2022/3

AIFUL CORPORATION

November 2021

Index

  • Strategy and Environment

Initiatives aiming to be IT

Finance Group

Management Indicators

Topics

ESGSDGTopics

Business Environment

Unsecured Loan Market

  • Financial Results Summary

Financial Highlights

Key Figures & Full-year Plan

Consolidated Results Summary

Business Portfolio

Loan Business

Non-performing Loans

Credit Business

Credit Guarantee Business

Overseas Business

Funding

Interest Repayment

  • 3
  • 4
  • 8
  • 9
  • 11
  • 12
  • 13
  • 14
  • 15
  • 17
  • 18
  • 19
  • 20
  • 24
  • 26
  • 28
  • 29
  • 30
  • 31
  • LIFECARD Results Summary

LIFE CARD Strategy

Financial Results Summary

Monthly Trend of Shopping Purchases

Installment Receivable

Credit Card Issuance

  • Financial Results Summary of Group Companies

AIFUL BUSINESS FINANCE CORPORATION

AG MEDICAL CORPORATION

AIFUL GUARANTEE CO., LTD.

AG MIRAIBARAI Co., Ltd.

  • Appendix

Operating Revenue and Expenses (Consolidated)

Operating Expenses and Profit (Consolidated)

Financial Results Summary (AIFUL Non-consolidated) Operating Results (AIFUL Non-consolidated)

ESGSDG Major Efforts

AIFUL Group's Business

  • 34
  • 35
  • 36
  • 37
  • 38
  • 39
  • 40
  • 41
  • 42
  • 43
  • 44
  • 45
  • 46
  • 47
  • 48
  • 49
  • 50
  • 51

2

Strategy and Environment

3

Initiatives aiming to be IT Finance Group

Management Theme

Achieve growth as an IT Finance Group through

organizational and institutional reforms and the use of digital

technologies in response to environmental changes

A management strategy that focuses on

Security, Profitability, and Growth potential

Improve speed

In-house production through recruitment

and training of specialist human resources

Reduce costs

Promoting Digitalization

Data Analysis

Design

4

Initiatives aiming to be IT Finance Group

Human Resources Strategy for introducing IT

3 required skills for

Promoting IT Finance Group

Digitalization

Design

Promoting in-house production of design

3 employee groups of the Specialists

既存 Mid-

Existing Midcareer-career

New-graduate

Cost reduction by improving work efficiency and convenience

Data Analysis

Improving profitability by enhancing data analytical ability and grasping customers' needs and trends

to reduce costs

Mid-career

Existing

New-graduate

How to increase

• ActiveActivelyemploymentemploy professionalsof professionals with specialized knowledge

with specialized knowledge

  • Gather qualified employees and train them
  • Recruit students with IT and design backgrounds

5

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Disclaimer

aiful Corporation published this content on 11 November 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 11 November 2021 09:16:17 UTC.