Concordia Financial Group provides various banking products and services to individual and corporate customers through its subsidiaries. It offers deposit products, including current, ordinary, savings, time, and other deposits, as well as deposits at notice. Concordia Financial Group also provides loans to small- and medium-sized businesses and personal housing loans. Moreover, it offers securities services; leasing and factoring services; consulting, conducting surveys research, and other information services; investment trust management services; investment and financing services for small and medium-sized enterprises; residential-loan-guarantee services; employment placement services; real estate management and appraisal services; and back office, cash dispenser control, credit card, and business parcel delivery services. Concordia Financial Group operates through as network of branches, sub-branches, ATMs, representative offices, and corporate sales offices in Japan and internationally. It began operation in 2016, with its headquarters in Tokyo in Japan.