To Our Individual Investors

In the Financial Business in Japan segment, Nihon Hosho engages in credit guarantee and receivables collection services, while Partir Servicer handles receivables collection operations.
Until now, these two core businesses have supported stable growth.
However, since the end of March 2022, securities and credit card businesses have been newly added to the business portfolio.

In the credit guarantee business, we have established partnerships with more than 10 financial institutions and companies.
We provide guarantees for a wide range of loan products, including rental housing loans, reverse mortgages designed to address the needs of a rapidly aging society, and real estate secured loans for corporate clients as part of comprehensive financial solutions.
In addition, we also provide guarantees for loans utilizing crowdfunding platforms.

In the servicing business, we will continue to benefit from the growth of the expanding retail credit market as a specialized servicer focusing on the collection of non-performing retail receivables.

In addition, H.S. Securities (now J TRUST GLOBAL SECURITIES) was added to the group at the end of March 2022.The company is a securities firm that handles a wide range of domestic and international stocks, bonds, and investment trusts, and also has an investment banking division. In addition, the company is registered as one of the lead managing securities firms officially recognized by the Tokyo Stock Exchange, and also holds a J-Adviser qualification for the Tokyo Pro Market, allowing it to offer a wide range of services. Leveraging these functions and strengths, we aim to pursue synergies with the group’s guarantee business in collaboration with regional financial institutions as well as overseas financial business. In addition, Nexus Card, which operates the credit card business, handles installment payments through partnerships with companies such as Men's Clear, the leading company in the male body hair removal industry, as well as beauty salons, gyms, golf lessons, and clinics. By providing guarantees for these installment payments, Nihon Hosho supports the increase of Nexus Card’s installment receivables, which in turn contributes to the growth of Nihon Hosho’s guarantee balance.

In addition, MIRAI engages in installment sales mediation services for aesthetic salons and medical institutions.

In South Korea, since April 2022, we have returned to a two-savings-bank structure, consisting of JT Chinae Savings Bank, which specializes in personal loans, and JT Savings Bank, which specializes in loans for small and medium-sized enterprises. In addition, TA Asset Management engages in the purchase and collection of non-performing loans, and has established a structure that enables stable profit generation regardless of economic conditions.

We aim for moderate growth, shifting from “growth in quantity” to “growth in quality,” and seek to maintain a certain level of assets with a well-balanced risk-return profile.
We expect to generate stable interest income through savings bank operations and receivables collection activities.

Our group entered the financial business in Indonesia in 2014. Currently, J Trust Bank Indonesia engages in commercial banking operations, while J Trust Investments Indonesia and PT Turnaround Asset Indonesia are engaged in receivables collection operations. In addition, since 2019, we have acquired the ANZ Group’s ownership stake in a Cambodian bank that was jointly funded by the Oceania-based ANZ Group and Cambodia’s local conglomerate, the Royal Group. As a result, Cambodia has been added as a new business area within our Southeast Asia operations.

J Grand operates three types of income-generating real estate development businesses. Its product lineup includes “J-Arc,” a rental apartment brand planned and developed in-house, and “J-Maison,” newly built apartments equipped with IoT devices,as well as “Vintage Residence,” which involves acquiring used apartments, conducting third-party inspections and renovations, and then selling them. These real estate development businesses contribute to the growth of Nihon Hoshou’s outstanding guarantee balance. In 2023, the company acquired Grobels and Live Rent. Grobels specializes in condominium sales and land/house development, with a particular strength in compact condominiums for actual demand. It also offers solution-based businesses such as income property sales and operates a real estate crowdfunding platform. Live Rent possesses expertise in rental property management and contributes to enhancing group synergies. Grand Guarantee provides rent guarantee services in the field of rental property management.

J Trust Asia, based in Singapore, engages in investment operations and provides management support to its investee companies.　In addition, J Sync operates the real estate crowdfunding platform “fundingtool” and offers system development, operation and maintenance, as well as web production services.

Founded in Japan in 1977, J Trust has expanded its financial business beyond Japan to South Korea, Indonesia, and Cambodia, offering a wide range of financial services globally.
By bringing the expertise we cultivated in Japan—such as credit screening, debt recovery, and marketing—into the South Korean market, we successfully built a business foundation that continuously generates profit.
Furthermore, in Indonesia, we have applied our successful experience in turning around financial institutions in South Korea to the revitalization of a commercial bank, while also expanding our loan servicing business.
In 2019, we acquired the ANZ Group's stake in ANZ Royal Bank, a joint venture between ANZ and the local Royal Group in Cambodia, thereby adding Cambodia to our group’s business footprint.
Going forward, we will continue striving to expand our business domains as a financial group that offers services unconstrained by conventional thinking.

J Trust regularly hosts events and company presentations for individual investors.
You can view upcoming schedules and access materials from past presentations.

J Trust was founded in Japan in 1977 and has since expanded its financial business beyond Japan to South Korea, Indonesia, and Cambodia. The Company has focused primarily on banking, credit guarantee, and receivables collection businesses. You can view the Company’s growth journey to date on the History page.