Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — AEON Credit Service — 1H FY2008 Earnings Presentation
12 slides from Aeon Financial Service's earnings presentation, Nov 18, 2008
Slide 1: Results for the First Half of Fiscal Year Ending February 20, 2009
Operating Data AEON CREDIT SERVICE CO., LTD. (Billions of yen) Consolidated Year-on-Year Actual Results Change Forecast Differences Transaction volume 1,487.0 111% 1,460.0 27.0 Operating revenues 88.5 98% 87.0 1.5 Results for the First Half of Fiscal Year Operating income 15.3 86% 14.8 0.5 Ending Fe
Slide 2: Composition of Credit Card Shopping Revenues / Number of Cardholders
Composition of Credit Card Shopping Revenues (Non-Consolidated) AEON CREDIT SERVICE CO., LTD. Breakdown of Revenues by Country AEON CREDIT SERVICE CO., LTD. The composition for the first half: affiliated merchant fee revenues 76 and revolving The composition for the first half: Thailand 57%, Hong Ko
Slide 3: Credit Card Shopping Transaction Volume / Annual Card Usage Ratio
Credit Card Shopping Transaction Volume Shopping Transaction Volume per (Consolidated) AEON CREDIT SERVICE CO., LTD. Active Cardholder (Non-Consolidated) AEON CREDIT SERVICE CO., LTD. The consolidated and non-consolidated credit card shopping transaction volume steadily The shopping transaction volu
Slide 4: Cash Advances Transaction Volume / Effects of Improved Screening and Recovery
Cash Advances Transaction Volume Effects of Improvement of Screening AEON CREDIT SERVICE CO., LTD. AEON CREDIT SERVICE CO., LTD. and Recovery Systems The card advances transaction volume exceeds the industry average due to the increase in The number of payment claims increased 15% on average in the
Slide 5: Response to Max. Interest Rate Rules / Excess Interest Repayment
Number of Disclosure Claims for Response to Max. Interest Rate Rules AEON CREDIT SERVICE CO., LTD. AEON CREDIT SERVICE CO., LTD. Excess Interest Repayment The number of disclosure claims for excess interest repayment has been on a decline The transition to the interest rate of 18% or lower will be a
Slide 6: Second Half of FY 2008 Major Targets of Implementation
1-1. Expanding Revolving and AEON CREDIT SERVICE CO., LTD. Installment Plan Repayments Second Half of FY 2008 Aim at a credit card shopping composition ratio of 7.8% with campaigns to promote revolving Major Targets of Implementation repayments at cash registers and on sales floors for customers (FY
Slide 7: Dealing with New Money Lending Business Law / Next-Generation Systems
3. Dealing with New Money Lending Business Law AEON CREDIT SERVICE CO., LTD. 4. Progress in Development of AEON CREDIT SERVICE CO., LTD. Next-Generation Systems Already developed Under development To be developed Schedule Major issues Our response 1H of FY 2008 2H of FY 2008 FY 2009 FY 2010 Connecti
Slide 8: Expanding the Electronic Money Business / Bank Agency Business
1-2. Expanding the Electronic Money 1-3. Expanding the Electronic Money Business AEON CREDIT SERVICE CO., LTD. Business AEON CREDIT SERVICE CO., LTD. Promote the use of electronic money in various situations in life The cumulative number of the WAON cards is planned to reach 9 million at the end of
Slide 9: Expanding the Processing, Acquiring and Internet Businesses
3. Expanding the Processing Business AEON CREDIT SERVICE CO., LTD. 4. Expanding the Acquiring Business AEON CREDIT SERVICE CO., LTD. Accept the processing business from AEON Bank and AEON Insurance Service to establish The transaction volume in the first half was ¥81.6 billion (Up 79% YoY). the busi
Slide 10: Expand Overseas Operations / Overseas Public Subsidiaries
7. Efforts of ACS Credit Management AEON CREDIT SERVICE CO., LTD. Operating revenues for the first half was ¥1,128 million (up 26.7% YoY). Expand business contents through the increase in the number of operating offices and recovery trustees. (Billions of yen) <Goals for FY 2010> 5 Operating revenue
Slide 11: Operations in Taiwan, Indonesia and Vietnam
3. Operations in Taiwan AEON CREDIT SERVICE CO., LTD. 4. Operations in Indonesia AEON CREDIT SERVICE CO., LTD. Operating revenues for the first half was 87 million TWD (up 25% YoY). The transaction volume increased 76% YoY with hire-purchase affiliated merchants steadily Issuance of co-branded cards
Slide 12: Forecast of Results for FY Ending Feb. 2009
Forecast of Results for FY Ending Feb. 2009 AEON CREDIT SERVICE CO., LTD. (Billions of yen) Consolidated Non-Consolidated Forecast YoY Change Forecast YoY Change Transaction volume 3,110.0 113% 2,760.0 115% Operating revenues 185.8 103% 125.5 103% Operating income 33.0 100% 20.0 102% Ordinary income
AEON Credit Service — 1H FY2008 Earnings Presentation on 6ix