As the effects of the COVID-19 pandemic gradually fade, we are witnessing a recovery trend towards the normalization of economic activities such as consumption and capital investment. In the financial capital markets, signs of change are emerging following the Bank of Japan’s decision in March 2024 to lift the negative interest rate policy and abolish yield curve control.

The business environment surrounding our group is changing at an unprecedented speed due to lifestyle changes brought about by the proliferation of digital devices such as smartphones and the impact of interest rate policies. However, we recognize these changes as a tailwind for our overall business.

In an environment of rapid technological advancement and the expansion and intensification of social issues, our company aims to become a “tech company” that transcends the boundaries of finance.
We are boldly engaging in the development and provision of cutting-edge platform services by repeatedly pursuing “creation” and “transformation” to drive innovation using the latest technology.

To achieve sustainable growth, we consider customer satisfaction as one of our most important management indicators. In addition to improving product features, we are constantly researching and refining to ensure excellent UI/UX for our customers’ service use. As a result, we have consistently achieved numerous ^*1 in customer satisfaction surveys conducted by external research agencies over many years.

In our core mortgage business, we have garnered substantial customer support, achieving the No.1 position^*2 in new mortgage origination amounts among domestic banks. We have established “mortgage consultation counters” nationwide, where customers can consult face-to-face, through the construction of a franchise model of mortgage outlets bearing our signboard, and we plan to further expand these outlets in the future. Additionally, we are strengthening our efforts to reduce the time and effort involved in procedures for customers and real estate businesses by realizing the complete DX (digital transformation) of mortgage procedures, including AI screening and the provision of the BtoBtoC platform “Kantan (Easy) Mortgage.”

Furthermore, our BaaS (Banking as a Service) business “NEOBANK^®”^*3 is steadily increasing the number of partner companies, and the account fees, which are a source of revenue, are significantly growing due to the expansion of opportunities to provide financial services to the customers of our partners. Through “NEOBANK,” we will contribute to enhancing the unique services of our partners, strengthening customer touchpoints, and improving customer experiences.

In addition, in our non-financial business THEMIX, we are addressing various social issues, including climate change, through initiatives such as “THEMIX Data,” which optimizes marketing by promoting the financial data platform business, and “THEMIX Green,” which addresses primary industry challenges through the promotion of forestry DX and carbon credit businesses using advanced technology.

To continue to be a bank of choice for our stakeholders, we will actively contribute to society under our corporate slogan, “with technology, in the spirit of integrity we will create a society where affluence circulates,” while realizing sustainable growth as a tech company beyond banking.

President and CEO
Noriaki Maruyama