NTT FINANCE CORPORATION (E05355) Stock Price

NTT Finance is a core company providing financial and administrative services for the NTT Group. Its primary businesses include billing and collection of telecommunications charges, credit card operations, and accounting services for group companies. Leveraging its relationship with parent company Nippon Telegraph and Telephone Corporation, the company offers a wide range of financial services unique to telecommunications operators.

The company serves both NTT Group companies and general consumers, establishing a stable revenue base. In its billing business, it generates fee income through billing and collection of telecommunications service charges. In its credit card business, transaction fees and loan interest income serve as key revenue drivers.

The company operates across four business segments. Its primary divisions are the billing business, which handles telecommunications charge billing and collection, and the credit card business, which provides card payment and loan services. Additionally, the accounting and finance business handles accounting and settlement operations for NTT Group companies, as well as financing and investment activities for domestic and international group companies.

NTT Finance is pursuing a growth strategy centered on digital transformation and business expansion under its vision of becoming an "NTT Group Comprehensive Payment and Financial Platform." Starting as a financial services company handling telecommunications billing and collection for NTT, the company is actively expanding its business to serve general enterprises while leveraging the strong foundation of the NTT Group.

In priority investment areas, the company is focusing on digital transformation, particularly expanding voicebot deployment and promoting digitalization of contact channels using generative AI. The company is also differentiating itself by enhancing collection agency services for corporations and municipalities, such as "Corporate Billing ONE" and "Rakuraku Cloud Payment Service." In the credit card business, the company is pursuing a strategy to promote cashless payments by expanding the provision of "PaySol," a card payment solution designed for corporations with recurring billing needs.

In new market development, the company is accelerating expansion beyond traditional NTT Group internal services to external enterprises. It is expanding its service lineup to support corporate digital transformation, including the "Rakuraku Cloud Electronic Bookkeeping Service," to meet diverse customer needs. Additionally, in group finance operations, the company is diversifying its fundraising methods and strengthening stable funding supply systems to NTT Group companies both domestically and internationally.

Regarding technological innovation, the company is focusing on building and operating "Common IT (Billing)" and "Common IT (Finance)" systems as part of the NTT Group. This initiative aims to achieve operational efficiency and quality improvements, contributing to productivity gains across the entire group. The company also continues efforts to address social challenges through financial payment and finance services, promoting business activities toward realizing a sustainable society.