(E23224) Stock Price

Aplus is a credit company that provides a wide range of financial services for consumers. Its core businesses include shopping credit (payment installment services for purchases of appliances and automobiles), credit card issuance, various loan products, and payment processing services. The company operates as a comprehensive financial services provider addressing diverse payment needs of consumers.

The company's primary customers are individual consumers, and it delivers services through partnerships with affiliated merchants such as electronics retailers and automobile dealerships, as well as partner financial institutions. Revenue is primarily generated from fees on installment payments, credit card annual fees and merchant commissions, loan interest income, and payment processing fees.

The company operates five business segments: the Shopping Credit segment handles payment installments for merchandise purchases at affiliated merchants; the Card segment provides payment services through its own issued credit cards; the Loan segment offers financing for housing-related expenses and home renovation funds. The Payment segment manages collection services in partnership with financial institutions and handles merchant settlement for mobile payments, while the Subsidiaries segment operates debt collection and specialized loan businesses.

As a member of the SBI Shinsei Bank Group, Aplus is executing a growth strategy based on the Group's new medium-term management plan (fiscal years 2025-2027). Under the vision of "Building and pioneering the next generation of finance together," the company is committed to customer-centric principles and aims to deliver next-generation financial services powered by technology. Through this strategy, Aplus is evolving beyond a traditional credit card company to become a comprehensive financial platform that serves customers across diverse life stages.

In priority investment areas, the company is focused on co-creating value with partners both within and outside the Group. On its financial platform "BANKIT," Aplus has launched concrete synergies, including the introduction of SBI Sompo Insurance's overseas travel insurance mini-app. By leveraging the SBI Group's corporate ecosystem and deepening partnerships with regional financial institutions, Aplus delivers differentiated services that competitors find difficult to replicate. As a core company within the fourth megabank group, it is establishing itself as a broad-based regional platform operator.

For new market development, the company has adopted fusion and collaboration as its core strategy. Beyond comprehensive integration within the SBI Group, Aplus is creating new revenue opportunities through inorganic investments and acquisitions, as well as open alliances with external partners. Additionally, by pursuing qualitative and quantitative transformation, the company aims to build a sustainable growth foundation by simultaneously expanding deposits and operating assets while improving quality, profitability, and efficiency.

In technological innovation, Aplus is actively promoting the adoption of cutting-edge technologies and strategic IT system investments. Through building a robust and flexible operational foundation, the company is strengthening its management structure with continuous self-evolution and forward-looking capabilities. Sustainability management is positioned as a key strategy, with climate change response, regional revitalization, and human capital development as priorities. The company is strategically pursuing a positive cycle of social contribution and corporate value enhancement through its business operations.