A Message from the President

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AEON Financial Service Co., Ltd. (hereinafter referred to as “the Company”) is a “comprehensive financial group with roots in the retail industry” that provides financial services closely linked to customers' daily life in 11 Asian countries including Japan.

Since its establishment in 1981, the company has flexibly changed its organizational structure and business model in response to changes in the business environment. In Japan, the company has expanded its credit card business by leveraging the brand strength and branch network of the AEON Group. In addition, the company has expanded its business in areas such as e-money, mobile payments, banking, and insurance, providing financial services that we can offer by leveraging its strengths in "retail x finance" and "real x digital" to meet the diversifying needs of customers.

Since opening a branch office in Hong Kong in 1987, we have been actively expanding overseas and have been steadily expanding our business in Asian countries by leveraging the expertise we have developed in Japan. At present, the company are developing business models tailored to the growth stage of each country in three areas (China Area, Mekong Area, Malay Area) where our listed subsidiaries are based.

In a social environment that is undergoing major changes due to the coronavirus pandemic, including the financial services industry, we will continue to expand its customer base by providing innovative services that utilize the latest technology and by collaborating with partner companies as a business holding company.

In addition, as a controlling company of domestic and international financial groups, the company will strive to provide safe and secure financial services while strengthening its group governance system.

Our group has set out Our Purpose, “Bringing finance closer to everyone. By committing to each and every person, we brighten up everyday lives with peace of mind and smiles.” as our “aspiration” and “reason for being.” Based on this, we have clearly defined our desired state in 2030 as “a globally minded company that is rooted in the local community, “to bring finance closer” with the aim of realizing AEON’s Basic Philosophy and AEON Group's Future Vision.

Since its establishment in 1981, the Company has been working as the AEON Group's comprehensive financial services division with the aim of making customers' daily shopping more convenient, and this role will not change in the future. Recently, the social structure is changing greatly, but we will work together as a group under Our Purpose to contribute to improving the lives of each and every customer, so we ask that all stakeholders continue to understand and support us.

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