(E03711) Stock Price

Zaishoku Housing Finance is a financial company that specializes in providing housing purchase loans to corporate employees. The company's primary business is sub-lending housing finance funds to workers at investing companies, supporting employees in financing their home purchases. All loans are backed by either a guarantee company guarantee or mortgage loan guarantee insurance, establishing a highly secure lending framework.

The company's main customers are workers employed at investing companies, and through partnerships with these companies, it maintains a stable customer base. Revenue is primarily generated from loan interest, and the company operates a unique business model based on relationships with investing companies. By providing guaranteed loans, the company mitigates credit risk and maintains a stable revenue structure.

In addition to sub-lending, the company handles securitized housing loans supported by the Japan Housing Finance Agency. Specifically, it offers long-term fixed-rate mortgage products called "Zaizai-kin Flat 35" and "Flat 35 Ace," addressing diverse housing finance needs of customers. This allows the company to provide a broader range of housing finance services beyond its traditional sub-lending business.

Zaikei Housing Finance is launching a new "Three-Year Medium-Term Management Plan" starting in fiscal year 2024, with increased customer acquisition and revenue growth as top priorities. The company is committed to supporting workers' asset formation as its core mission and aims for stable growth. Under this medium-term plan, the company will pursue strategic initiatives centered on expanding sales activities and improving sales capabilities to broaden its revenue base.

The company's priority investment areas focus on developing new partner companies and business alliances. To expand customer usage of its three flagship products—Zaikei Housing Loans, Zaikei Housing Finance Flat 35, and Flat 35 Ace—the company plans to conduct continuous development-oriented sales activities. In particular, the company is enhancing housing finance seminars and individual financial consultation sessions to improve customer satisfaction and differentiation, while implementing a strategy to establish the competitive advantages of its loan programs in the market.

For new market development, the company plans business expansion centered on expanding its network of partner companies and business alliances. To respond nimbly to an uncertain business environment, the company is deploying active and broad-based sales activities while focusing on building new customer bases. This approach aims to maintain the company's traditionally stable revenue structure while creating additional growth opportunities.

Regarding technological innovation, the company is investing in active use of social media and external services, as well as strengthening brand image through its website and video platforms. The company is pursuing more efficient customer engagement expansion through improved information dissemination via digitalization. In parallel, the company is promoting employee awareness reform to ensure company-wide commitment to these innovative initiatives, thereby strengthening competitive advantage.