Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — H1 2015 Earnings Presentation
7 slides from Aeon Financial Service's earnings presentation, Dec 18, 2015
Slide 1: 1H FY2015 Consolidated Business Scale and Results
1H FY 2015 Consolidated Business Scale and Results 1Q First Half Total Business Scale Results Change from start of FY Results Change from start of FY Number of cardholders, consolidated 36.23 million +560 thousand 36.71 million +1,040 thousand Domestic 24.97 million +330 thousand 25.25 million +610
Slide 2: Funding and Forecast of Results for FY2015
Funding Forecast of Results for FY 2015 • In addition to strong growth in long-term receivables, the current environment is favorable for raising long-term funds at fixed interest rates. Forecast of Results • Consolidated interest-bearing debt has decreased as a result of funding from deposits and s
Slide 3: Credit Card Business: Tablet Sign-ups and Smartphone App
Credit Card Business Credit Card Business ・ Shorten the time needed to enroll by using tablets for efficient cardholder sign-ups. ・Develop an AEON Card smartphone app and introduce it on a trial basis. ・ Reduce costs by going paperless, with all sign-ups done on tablets. ・Offer payment, coupon deliv
Slide 4: Credit Card Business: Installment Sales Finance and Fee Business
Credit Card Business Credit Card Business (Promotion of Installment Sales Finance Business) ・ Refined credit with data analysis in 1Q. Implemented policies for raising credit limits. ・ Steadily expand our transaction volume by strengthening new affiliated merchant development and launching ・ In 2Q,
Slide 5: Banking Business: In-Store Branches and Human Resource Development
Banking Business (In-Store Branch Business) Banking Business (Initiatives in Human Resource Development) ・ Improve customer convenience and efficiency with digitalization initiatives. ■ Housing loans made in the first half expanded 207% YoY due to the effect of training at training facilities. ・ Pro
Slide 6: Overseas Business: THANA SINSAP Initiatives and Finance Receivables
Overseas Business (First-Half Initiatives of THANA SINSAP) Overseas Business (Finance Receivables of THANA SINSAP) ・ Issued a co-branded card with a railway operator group for the purpose of acquiring cardholders among middle- ・ Household debt centered on housing loans and personal loans is increasi
Slide 7: Overseas Business Development Centered on Thailand; Reference: Allowance for Credit Losses
(Reference) Allowance for Possible Credit Losses and Allowance for Loss on Overseas Business (Business Development Centered on Thailand) Refund of Interest Received ・ Conducting card business, insurance agency business and servicer business in Thailand ・ Acquired a specialized bank license and began
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