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Dedicated to Excellence

Our Vision

Vision for the Future: Aiming to become a highly trustworthy global consumer finance company.

What “consumer financing” means to us To reliably and continuously offer a service that allows customers to borrow money with peace of mind. What “highly trusted” means to us To offer the best services to as many customers as possible, and be a company trusted by all stakeholders

Achieving Our Vision

A pioneer in consumer finance

Since we were founded in March 1962, we have offered consumer financial services to swiftly meet the diverse funding needs of our customers, keeping pace with the changing times by developing convenient, safe personal loan products and building the infrastructure to deal with customer inquiries and loan applications. Drawing on our specialist business skills and expertise in small personal loans that we have accumulated over more than half a century, we are now expanding our core Financing Business (direct finance) as well as our Loan Guarantee Business, Overseas Business, and Loan Management Business.

Financing Business
Provision of small unsecured personal loans with no guarantor (consumer financing) to individual customers
Loan Guarantee Business
Provision of guarantees for unsecured personal loans of financial institutions in cooperation with banks and credit unions, etc.
Overseas Businesses
Consumer finance operations in Hong Kong, Thailand, and Mainland China, and servicer business in Taiwan
Loan Management Business
Loan management and collection services and servicer business by our subsidiary Abilio Servicer Co., Ltd.

Credit know-how is a vital part of our business operations. In August 1983, we were the first consumer finance company in Japan to introduce an automated credit provision system. With this system, we are able to automatically set the credit amount and make quick and accurate credit decisions based on the customer information gathered during screening and information obtained through referral to credit information agencies as well as the customer attribute and transaction data that we have accumulated since we were established. We are still working to improve this system today to provide credit in light of the management environment by reviewing the system as needed. We inquire with credit information agencies not only during the contract screening process but also on a regular basis after a contract is established, to monitor changes in the customer's status and check their individual transactions to ensure that customers do not overstretch themselves.

Outline of the credit provision system

Fig. Credit limit system outline

Member of SMBC Group

The SMBC Group launched a new group-based management framework from April 2017, introducing the business division system to further enhance its ability to deal with customers in an integrated manner as a unified group. In April 2018, the Group designated “SMBC ” as the corporate group's master brand and, along with its group companies, is striving to promote recognition of the corporate group's brand and enhance the brand's value, including establishing a new corporate group name and a new group logo and also unifying the company logos of each Group company. To meet customer needs, which will change in the rapidly shifting environment, we will work to provide customers with optimum financial products and services by mobilizing the power of the Group more strongly than ever. As a member of the retail business division of SMBC Group, we will also promote strategies and enhance our earnings power as one Group in cooperation with other Group companies such as Sumitomo Mitsui Banking Corporation (SMBC).

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