SBI ARUHI Corporation

As of 31 March 2026, the Group comprised the Company and 6 subsidiaries and operated a housing finance business centered on mortgage lending. Its flagship product, Flat 35, is linked to funding through securitization. The Group provides mortgage origination and servicing centered on Flat 35 and Super Flat, handles real estate-secured loans and other products, acts as a bank agent for the sale of mortgages, and sells real estate-related loans and guarantees through its group companies. It has a diverse nationwide network of approximately 90 locations, including 75 franchise locations, 14 directly operated locations and 1 other location, as well as non-face-to-face channels. Through joint investment with the SBI Group, it is expanding its guarantee business and seeking to stabilize its earnings structure by increasing the proportion of recurring revenue. Major subsidiaries include SBIエステートファイナンス, SBIスマイル, SBIギャランティ, SBIノースアセット, SBI信用保証 and 優良住宅ローン. 優良住宅ローン became a wholly owned subsidiary in October 2025, ノースアセット became a consolidated subsidiary in December 2025, and its trade name was changed to SBIノースアセット in March 2026.