Expansion of financial services through au insurance and loans

「auペイメント株式会社 and auフィナンシャルサービス株式会社 have decided to merge effective 1 July 2026 (scheduled), with the aim of centralising payments business strategy and accelerating business execution.」

「In March this year, operations continued to expand steadily, with auじぶん銀行株式会社 (hereinafter, auじぶん銀行) reaching 6.7 million deposit accounts and au PAY Card reaching 10.2 million members.」

「In the financial business, operations continued to expand steadily, with auじぶん銀行株式会社 (hereinafter, auじぶん銀行) having 6.39 million accounts and au PAY Card having 9.84 million members as of September this year.」

「au PAY Card membership continued to grow steadily, surpassing 9.44 million in March this year. At au Jibun Bank株式会社, we began offering an interest-rate discount service in September last year, under which mortgage rates are reduced when customers use the bank together with a partner service from JCOM株式会社, and from November last year with a partner service from Chubu Telecommunications Co., Inc. In March this year, cumulative mortgage loan originations surpassed ¥4 trillion, the fastest pace among internet-only banks.」

「The financial business has continued to perform well, with the number of au PAY Card members exceeding 9.2 million in December last year. At auじぶん銀行株式会社, cumulative home-loan disbursements exceeded ¥3.5 trillion in November last year, the fastest pace among online-only banks (*5).」

「The financial business has continued to perform well, with the number of au PAY Card members exceeding 9 million in October this year. At auじぶん銀行株式会社, the number of deposit accounts also exceeded 5.45 million in September this year.」

「The financial business has continued to perform well, with the number of au PAY Card members reaching 8.8 million in June this year. At auじぶん銀行, the number of deposit accounts reached 5.3 million in June this year, while cumulative home-loan disbursements reached ¥3 trillion in approximately 7 years and 6 months, the fastest pace among online-only banks (*3).」

「The number of au PAY Card members reached 8 million in August last year, and the number of auじぶん銀行 deposit accounts reached 5 million in December last year. In February this year, the company launched au Life Insurance, which rebates Ponta points equivalent to 1% of the monthly premium, among other initiatives to further enhance the appeal of its financial services.」

「At auじぶん銀行, cumulative home-loan disbursements reached ¥2.5 trillion in November last year, and the number of deposit accounts reached 5 million in December of the same year. Reaching cumulative home-loan disbursements of ¥2.5 trillion took approximately 6 years and 11 months from the service launch in December 2015, the fastest pace among online-only banks (*5).」

「In the financial business, the number of au PAY Card members exceeded 8 million in August this year. In 株式会社oricon ME's 2022 Oricon Customer Satisfaction Survey for home loans, auじぶん銀行株式会社's home loans ranked first overall for the first time.」

「In the life-design area, from December last year customers became able to top up their au PAY balance from accounts at all 118 financial institutions, including MUFG Bank, Mizuho Bank and Sumitomo Mitsui Banking Corporation, through the au PAY mobile payment service.」

「In September this year, the company launched au Bundled Interest Rate Benefits. By linking au PAY, the au PAY Card, auカブコム証券 securities accounts and auじぶん銀行 using the designated methods, customers can receive an interest rate on yen ordinary deposits of up to 200 times the standard rate, or 0.20% per year (0.15% per year after tax).」

「Since February this year, the group has expanded its financial business, including enhanced benefits for paying au communications charges with the au PAY Gold Card and the launch of the auじぶん銀行 home-loan interest rate discount program. As a result, payments and financial transaction volume in FY2020 rose from ¥6.5 trillion in FY2019 to ¥9.0 trillion, substantially exceeding the initial target for the year.」

「Since December last year, auじぶん銀行 has accepted applications for a home loan service offering the exceptionally low interest rates characteristic of online banks to customers who have contracted for au communications services, under the au Home Loan Interest Rate Discount. The discount took effect in March this year.」

「To further accelerate the Smart Money Initiative, the company completed an organisational restructuring of the group's financial businesses (*3) in December last year.」

「In the financial business, the company made au損害保険株式会社 a consolidated subsidiary in July.」

「In April 2019, the company acquired all shares issued through a third-party allotment by 株式会社じぶん銀行 (*) and made it a consolidated subsidiary. In June of the same year, the company acquired shares in カブドットコム証券株式会社 through a tender offer and made it an equity-method affiliate.」

「In February this year, the company announced the launch of its Smart Money Initiative, which provides customers with an integrated smartphone-centric payments and financial experience. au Financial Holdings株式会社, an intermediate financial holding company established to strengthen the financial and payments businesses, began operations in April this year.」

「In the financial business, the company launched the au iDeCo individual defined contribution pension service last October. Through a dedicated smartphone app and WALLET point rebates, it will build long-term customer relationships and provide new customer experiences. In November last year, the number of au WALLET Credit Card members also exceeded 4 million.」

「In the payments business, the company began offering services in April this year through the au WALLET Prepaid Card in cooperation with 株式会社じぶん銀行, including Real-Time Charge, which instantly tops up any shortfall in the balance, and person-to-person transfers using mobile phone numbers.」

「In the financial business, the company launched KDDIアセットマネジメント株式会社, a joint venture with 株式会社大和証券グループ本社, to support customers' asset formation.」

「In the financial business, the company is expanding sales of au Life Insurance in addition to au Home Loans and au Non-Life Insurance.」

「Starting on 29 November last year, 株式会社じぶん銀行, an equity-method affiliate of the company, began providing the au STAR じぶん銀行 Benefit, under which WALLET points are awarded each month to members of the au STAR membership program provided by the company and 沖縄セルラー.」

「Starting on 4 August this year, KDDIプリシード株式会社, a consolidated subsidiary that operates the company's directly managed stores, began providing intermediary services for concluding contracts for じぶん銀行's yen ordinary deposit accounts and yen time deposit accounts as a bank agent for which じぶん銀行 is the principal bank.」

「In the financial business, the company began providing au Insurance and Loans on 5 April this year in partnership with ライフネット生命保険株式会社, au損害保険株式会社 and 株式会社じぶん銀行.」