JAPAN SPECIAL ROVERTISNG SECTION IN AT THE GROUND LEVEL: J TRUST'S UNIQUE STRATEGY IN THE ASEAN REGION By focusing on retail and small business customers, J Trust has found success in a niche ‘market segment often overlooked by the other big foreign banks in the ASEAN region Japan aging population and shrink= ing domestc market has compelled Janese companies to look abroad for new opportunites, Like many ‘other Joanesefinzncainstutions Trusts focusing ts overseas eo in the fast growing ASEAN region But while other major barks in the region focus on mega projet, providing cre lines ranging from $10 milion to $1 billon, J Trust has foun isla riche market in mice: financing and smal busines loans, a strategy wich, aside from generat- ing heathy profs, is improving lve hoods at ound eve Ina developing country fist ‘mauer foreign banks general come in to provide Financial support for major industial and infrastructure projects. J Trusts strategy ivoles coming into a developing market at a late stage than other players, tar geting the real and small business customer that af not catered to by the other big foreign banks. “We target the populations and wwe focus on personal consumer cet products, which i something that major barks don't do. That is Why we do nat look upon the major banks moving into these actions as competitors, but rather as potential partners,” says Nobuyoshi Fujsawe, President and CEO of Tus. AS a private consume-foaused bank, our products wil always be about money nplce ike Indonesia, RELIABLE BANKING AND == FINANCIAL PARTNER FOR A J Trust Group is commited to servicing a full aay of fnancial needs for businesses and individuals in a fast-growing market se rereuarece iene we for on microfinancing so tht, people can buy agicutural equip iment oF supplies. Our ations ae med at ncreasing peoples everyday living standards" “Trucugh its subsidiaries inthe re io, J ust provides smal loans av- ‘raging from just $200 t9 $300. For small business customers that need to buy expensive equpment, such asagrcultural machinery, it can offer hire purchase and the loan amount i up to $30,000, but thats generally istop limit percent. ‘Not having other banks address ing the consumer market means no competion for us. Furthermore, 1 Trust Indonesia does not only focus ‘on mice finances, it ao deals incor 1 wont Nobuyoshi Fujisawa, President andl CEO, J Trust porate loans from roughly $1 milion 40 $5 milion,” says Mi Fuisawe expec to have an increase inthe ‘umber of barks and services across South East Ai, while pursuing the same business approach — mico- financing indus cents and mak ing people haopy. Even though we ar diferent to she majonty of other bans, the finance industy is well esablched, which makes afferent tion hard to come by. Tis means that in years time, we cannot say that something willbe significantly diffe cent, We must mene forward ste-by- step and et lose focus.” FT |1000 “groans