Overseas Business

As part of our long-term growth strategy, we have been expanding into high-growth ASEAN markets since 2014. With the domestic loan market expected to mature over time, we are focused on driving earnings growth in emerging markets with strong growth potential.

We currently operate unsecured consumer loan and used vehicle financing businesses in Thailand, Indonesia, and the Philippines.

By combining our extensive credit screening expertise with the strengths of local partners, we maintain strong competitiveness in each market. In Thailand, we provide consumer loans under the “A Money” brand through a joint venture with a local partner.

In Indonesia, we are building a high-quality loan portfolio through investment in a used car financing company, establishing a solid business foundation aligned with local market conditions.

To manage country-specific risks, we optimize personnel allocation and branch networks, while maintaining earnings stability through disciplined credit management and proactive early-stage collections.

Going forward, we will further expand our overseas operations by strengthening partnership channels and enhancing services through digital technologies. Over the long term, we aim to achieve a 50:50 profit mix between domestic and overseas businesses, expand our overseas portfolio, and contribute to the Group’s sustainable growth.