{"product_id":"sbiaruhi-group-business-model-canvas","title":"SBI ARUHI Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSBI ARUHI: Unveiling the Business Model Canvas!\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eCurious about SBI ARUHI's winning formula? Our Business Model Canvas breaks down their customer relationships, revenue streams, and key resources, offering a clear roadmap to their success. Download the full version to gain actionable insights for your own venture.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eJapan Housing Finance Agency (JHFA)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI's crucial partnership with the Japan Housing Finance Agency (JHFA) underpins its core housing loan business. This collaboration allows SBI ARUHI to offer the widely recognized Flat 35 long-term, fixed-rate mortgages, providing borrowers with stability and predictability in their home financing.\u003c\/p\u003e\n\u003cp\u003eThrough this alliance, SBI ARUHI acts as a facilitator, generating revenue via fees collected from individual borrowers availing the JHFA's Flat 35 mortgage products. This fee income is a direct result of leveraging the JHFA's established program and its broad appeal in the Japanese market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSBI Group Companies\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI benefits significantly from its integration within the SBI Group, fostering collaborations with key entities such as SBI Shinsei Bank and SBI Sumishin Net Bank. These relationships are crucial for developing innovative mortgage products and expanding their reach within the digital banking space.\u003c\/p\u003e\n\u003cp\u003eFurther strengthening its offerings, SBI ARUHI partners with SBI Credit Guarantee and SBI Estate Finance. This allows for more comprehensive loan solutions, potentially reducing risk and increasing accessibility for a wider range of borrowers, thereby diversifying revenue streams.\u003c\/p\u003e\n\u003cp\u003eThe synergy extends to companies like SBI Smile and SBI Guarantee, enabling SBI ARUHI to offer more integrated financial services. For instance, in 2024, the SBI Group saw robust growth in its digital banking segment, with SBI Sumishin Net Bank reporting a significant increase in customer deposits, underscoring the potential for cross-selling and enhanced service delivery through these partnerships.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFranchise Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI leverages a franchise network to rapidly expand its physical footprint across Japan, enabling cost-effective market penetration. This model allows for flexible personnel costs as revenue is shared with franchisees, a key aspect of their expansion strategy.\u003c\/p\u003e\n\u003cp\u003eThese franchise partners are instrumental in extending SBI ARUHI's multi-channel customer engagement strategy, ensuring a broad reach beyond company-owned branches. For instance, as of early 2024, SBI ARUHI reported a significant number of franchise locations contributing to its overall market presence, with franchise fees and revenue sharing forming a core component of their financial model.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Institutions for Referrals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSBI ARUHI actively cultivates relationships with other financial institutions, like Hokuto Bank, to generate customer referrals for its housing loan products. These strategic alliances broaden the company's access to potential borrowers by leveraging the existing customer networks of partner banks.\u003c\/p\u003e\n\u003cp\u003eThese referral partnerships are crucial for SBI ARUHI's customer acquisition strategy, providing a cost-effective way to expand its market presence. For instance, by collaborating with banks that may not offer specialized housing finance solutions, SBI ARUHI can capture a larger share of the mortgage market.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eReferral Agreements:\u003c\/strong\u003e Partnerships with banks like Hokuto Bank enable SBI ARUHI to receive direct customer referrals for housing loans.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCustomer Acquisition Channels:\u003c\/strong\u003e These collaborations expand SBI ARUHI's reach by tapping into the established client bases of other financial institutions.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMarket Penetration:\u003c\/strong\u003e Such alliances are vital for maintaining a competitive edge and achieving broad market penetration in the housing finance sector.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRealtors and Real Estate Developers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eSBI ARUHI heavily relies on partnerships with realtors and real estate developers. These collaborations are crucial for customer acquisition, as real estate agents frequently direct potential homebuyers to SBI ARUHI for their mortgage needs. In 2024, the real estate market saw continued activity, with mortgage originations playing a vital role in transactions.\u003c\/p\u003e\n\u003cp\u003eThese relationships go beyond simple referrals. SBI ARUHI also offers tailored financial products to real estate professionals, including acquisition loans and financing for properties intended for resale. This dual approach ensures a consistent pipeline of mortgage applicants and reinforces SBI ARUHI’s position as a comprehensive solution provider in the homebuying process.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eRealtor Referrals:\u003c\/strong\u003e A primary channel for acquiring new mortgage customers.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSpecialized Financing:\u003c\/strong\u003e Loans for realtors, such as acquisition and inventory financing.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eOne-Stop Solution:\u003c\/strong\u003e Facilitating a seamless homebuying experience for clients.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Partnerships: Fueling Housing Loan Growth \u0026amp; Market Reach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI's key partnerships are foundational to its business model, enabling it to offer specialized housing loans and expand its market reach. The collaboration with the Japan Housing Finance Agency (JHFA) for Flat 35 mortgages is central, providing a stable, fixed-rate product. Furthermore, leveraging the SBI Group's network, including banks and credit guarantee entities, allows for product innovation and broader customer access. Franchise agreements and referral partnerships with realtors and other financial institutions are critical for cost-effective customer acquisition and market penetration.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003ePartnership Type\u003c\/th\u003e\n\u003cth\u003eKey Partners\u003c\/th\u003e\n\u003cth\u003eBenefit to SBI ARUHI\u003c\/th\u003e\n\u003cth\u003e2024 Context\/Data\u003c\/th\u003e\n\u003c\/tr\u003e\n\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovernment Agency\u003c\/td\u003e\n\u003ctd\u003eJapan Housing Finance Agency (JHFA)\u003c\/td\u003e\n\u003ctd\u003eFacilitates Flat 35 mortgages\u003c\/td\u003e\n\u003ctd\u003eJHFA's Flat 35 program remains a cornerstone of long-term housing finance in Japan.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFinancial Institutions (Group)\u003c\/td\u003e\n\u003ctd\u003eSBI Shinsei Bank, SBI Sumishin Net Bank\u003c\/td\u003e\n\u003ctd\u003eProduct development, digital expansion\u003c\/td\u003e\n\u003ctd\u003eSBI Group's digital banking saw continued growth in customer engagement in early 2024.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFinancial Institutions (External)\u003c\/td\u003e\n\u003ctd\u003eHokuto Bank\u003c\/td\u003e\n\u003ctd\u003eCustomer referrals\u003c\/td\u003e\n\u003ctd\u003eReferral partnerships are vital for cost-effective customer acquisition, expanding market share.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReal Estate Sector\u003c\/td\u003e\n\u003ctd\u003eRealtors, Real Estate Developers\u003c\/td\u003e\n\u003ctd\u003eCustomer acquisition, specialized financing\u003c\/td\u003e\n\u003ctd\u003eThe real estate market in 2024 continued to rely on mortgage originations, with realtors driving significant lead generation.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFranchise Network\u003c\/td\u003e\n\u003ctd\u003eVarious Franchisees\u003c\/td\u003e\n\u003ctd\u003eMarket expansion, cost-effective reach\u003c\/td\u003e\n\u003ctd\u003eAs of early 2024, SBI ARUHI's franchise network contributed significantly to its nationwide presence.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA detailed, pre-analyzed business model for SBI ARUHI, focusing on its unique mortgage lending and servicing operations. It meticulously outlines customer segments, value propositions, and channels, providing a clear roadmap for strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eSBI ARUHI's Business Model Canvas acts as a pain point reliever by providing a clear, visual framework to identify and address inefficiencies in their home loan business.\u003c\/p\u003e\n\u003cp\u003eThis one-page snapshot allows SBI ARUHI to quickly pinpoint and resolve customer friction points within their value proposition and key activities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHousing Loan Origination and Servicing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI's core operations revolve around the origination and servicing of housing loans. A significant portion of their business is dedicated to the Flat 35 fixed-rate mortgage, where they have established a strong market presence. This encompasses the complete loan lifecycle, from initial application and rigorous approval processes to the final disbursement and continuous management of borrower accounts.\u003c\/p\u003e\n\u003cp\u003eBeyond their flagship Flat 35 product, SBI ARUHI provides a diverse range of mortgage solutions to meet varied customer needs. This includes offering loans with variable interest rates, ensuring flexibility for borrowers seeking different financial structures. Their commitment to servicing extends to managing these loans efficiently post-disbursement, maintaining strong customer relationships throughout the loan term.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Product Development and Diversification\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI is dedicated to creating and providing a wide array of mortgage options tailored to different client requirements. This commitment to variety is evident in their product lineup, which includes specialized offerings such as the ARUHI Super Flat, ARUHI Flat 50, ARUHI Reverse 60, and the ARUHI Housing loan (MG Hosho) Your Select.\u003c\/p\u003e\n\u003cp\u003eThis continuous evolution of their mortgage portfolio is crucial for capturing a broad spectrum of the market. For instance, in the fiscal year ending March 2024, SBI Holdings reported significant growth in its mortgage business, with loan originations showing a robust upward trend, demonstrating the market's positive reception to diversified product offerings.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMulti-channel Sales and Marketing\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI leverages a multi-channel approach to connect with customers, blending digital platforms, physical branches, and strategic partnerships for referrals. This comprehensive strategy aims to make mortgage applications and approvals as smooth and accessible as possible.\u003c\/p\u003e\n\u003cp\u003eTheir marketing actively showcases a broad range of mortgage products and emphasizes their specialized knowledge in the field. For instance, in the fiscal year ending March 2024, SBI ARUHI reported a significant increase in new loan originations, underscoring the effectiveness of their diverse outreach and product promotion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eReal Estate and Related Financial Services Provision\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSBI ARUHI's key activities extend beyond traditional housing loans to encompass a broader spectrum of real estate financial services. This includes specialized offerings like real estate collateralized loans and lease-back arrangements, catering to diverse client needs. They also provide valuable consulting services specifically tailored for seniors, addressing a growing demographic's unique financial requirements.\u003c\/p\u003e\n\u003cp\u003eTo further solidify its position as a comprehensive homeownership partner, SBI ARUHI offers the 'ARUHI Homebuying Concierge' service. This initiative directly supports customers in their property search, aiming to identify the most suitable homes. By integrating these services, SBI ARUHI transforms into a one-stop solution for a wide array of home-related financial needs.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eReal Estate Collateralized Loans:\u003c\/strong\u003e Offering financial solutions backed by property assets.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLease-Back Arrangements:\u003c\/strong\u003e Facilitating property owners to sell and then lease back their property.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSenior Consulting Services:\u003c\/strong\u003e Providing specialized financial advice for the senior demographic.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eARUHI Homebuying Concierge:\u003c\/strong\u003e Assisting clients in locating their ideal residential properties.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSustainable Finance Initiatives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eSBI ARUHI actively champions sustainable finance, notably by issuing Japan's first Green RMBS. This groundbreaking move in 2023, totaling ¥10 billion, specifically finances housing loans for properties that meet stringent environmental standards.  This directly supports their ESG policy, channeling investment into energy-saving homes and the resale market.\u003c\/p\u003e\n\u003cp\u003eThese efforts underscore a deep commitment to corporate social responsibility. By prioritizing environmentally conscious lending, SBI ARUHI not only mitigates climate risk but also attracts a growing segment of customers who value sustainability in their homeownership choices.  This strategic alignment positions them favorably in an increasingly eco-aware market.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eGreen RMBS Issuance:\u003c\/strong\u003e First in Japan, ¥10 billion issued in 2023 to fund eco-friendly housing.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eESG Policy Alignment:\u003c\/strong\u003e Supports distribution of energy-saving and pre-owned properties.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCustomer Attraction:\u003c\/strong\u003e Appeals to environmentally conscious consumers seeking sustainable housing finance.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMarket Positioning:\u003c\/strong\u003e Enhances corporate image and competitiveness in the sustainable finance sector.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInnovating Housing Finance: From Flat 35 to Green RMBS\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSBI ARUHI's key activities center on originating and servicing housing loans, with a strong focus on their Flat 35 product. They also offer a diverse range of mortgage solutions, including variable rate loans and specialized products like ARUHI Super Flat. Furthermore, they provide real estate collateralized loans, lease-back arrangements, and consulting services for seniors, alongside their ARUHI Homebuying Concierge. A significant initiative is their commitment to sustainable finance, demonstrated by issuing Japan's first Green RMBS in 2023.\u003c\/p\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eWhat You See Is What You Get\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe SBI ARUHI Business Model Canvas you are previewing is the actual, complete document you will receive upon purchase. This means you are seeing the exact structure, content, and formatting that will be delivered, ensuring no surprises and full readiness for your strategic planning.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":55674816266617,"sku":"sbiaruhi-group-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/sbiaruhi-group-business-model-canvas.png?v=1755796254","url":"https:\/\/portersfiveforce.com\/products\/sbiaruhi-group-business-model-canvas","provider":"Porter's Five Forces","version":"1.0","type":"link"}