Credit Guarantee Business

Operated under both the AIFUL and LIFECARD brands, this business provides credit guarantees for consumer and small business loans originated by financial institutions, generating stable fee-based earnings for the Group. As one of the Group’s core segments alongside the Loan and Credit/Payment Businesses, it leverages a partnership model that combines the brand strength of regional financial institutions with the Group’s advanced credit screening expertise.

This enables partner institutions to reduce default risk and improve screening efficiency, while allowing the Group to expand revenue opportunities based on its proprietary credit capabilities.

The scope of guarantees is broad, covering unsecured card loans, refinancing loans, business loans, and real estate secured loans. As a low-risk and highly efficient business model, it has gained strong support from financial institutions nationwide.

The number of partner institutions exceeds 160, and the Group’s credit guarantee balance continues to grow at double-digit rates year on year.

Going forward, we will further expand our partnership network and accelerate growth by leveraging our accumulated credit expertise and data-driven screening models.