Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — AEON Credit Service — FY2007 Earnings Presentation
11 slides from Aeon Financial Service's earnings presentation, Apr 14, 2008
Slide 1: Results for the Fiscal Year Ended February 20, 2008
AEON AEONCREDIT SERVICE CDIT SERVICE CO., CO., LTD. LTD. Operating Data AEON CREDIT SERVICE CO., LTD. (Billions of yen) Consolidated Year-on-Year Actual Results Change Forecast Differences Transaction volume 2,756.7 111% 2,850.0 - 93.2 Operating revenues 181.0 104% 185.0 - 3.9 Results for the Fiscal
Slide 2: Cardholders, Card Usage Ratio and Transaction Volume
Number of Consolidated Effective Cardholders AEON CREDIT SERVICE CO., LTD. Number of Consolidated Active Cardholders AEON CREDIT SERVICE CO., LTD. The numbers of consolidated and non-consolidated effective cardholders increased to The numbers of consolidated and non-consolidated active cardholders i
Slide 3: Payment Claims, Arrears, Recovery and Credit Losses Cost
Numbers of Payment Claims and Cash Advance Services (Non-Consolidated) AEON CREDIT SERVICE CO., LTD. Payments in Arrears at Month-End AEON CREDIT SERVICE CO., LTD. While the number of payment claims increased 13% YoY every month, the number of payments in arrears The balance of credit card cash adva
Slide 4: Allowance for Possible Credit Losses and Excess Interest Claims
Number of Disclosure Claims for Allowance for Possible Credit Losses AEON CREDIT SERVICE CO., LTD. Excess Interest Repayment AEON CREDIT SERVICE CO., LTD. (Billions of yen) The number of disclosure claims for excess interest repayment has been on a decline after <Breakdown of Allowance for peaking i
Slide 5: FY 2008 Major Targets: Response to New Money Lending Business Law
“Response to New Money Lending Business Law” Law” (2) Response to Activity Regulations, etc. AEON CREDIT SERVICE CO., LTD. Fund Procurement AEON CREDIT SERVICE CO., LTD. Items Specific Responses Favorable fund procurement conditions taking Bonds Liquidation of receivables Bank loans advantage of hig
Slide 6: Establish New Sources of Revenues
2. Enhancing the Co-Branded Card Strategy AEON CREDIT SERVICE CO., LTD. 3. Promoting Gold Cards AEON CREDIT SERVICE CO., LTD. To expand new customer segments, enhance the branded-card strategy with a target of Further enhance the privileges of the annual fee-free Gold Card holders increasing the num
Slide 7: Expanding the Electronic Money Business
1-(1) Expanding the Electronic Money Business AEON CREDIT SERVICE CO., LTD. 1-(2) Expanding the Electronic Money Business AEON CREDIT SERVICE CO., LTD. In March, we started to develop this business across Japan. Development outside the group Plan to increase the cumulative number of the WAON cards i
Slide 8: Bank Agency and Internet Business Enhancement
3. Further developing the Bank Agency Business AEON CREDIT SERVICE CO., LTD. 4. Enhancing the Internet Business AEON CREDIT SERVICE CO., LTD. Start bank account openings and the credit guarantee business for bank loans Enhance the Internet business through the expansion of the settlement functions i
Slide 9: Expand Overseas Operations
AEON CREDIT SERVICE CO., LTD. Results of Overseas Operations AEON CREDIT SERVICE CO., LTD. In FY 2007, the overseas operations achieved operating revenues of ¥57.8 billion (Up 25% YoY) and operating income of ¥12.2 billion (Up 32% YoY). 120.0 (Billions Overseas operating revenues of yen) Overseas op
Slide 10: Operations in Malaysia, Taiwan, Indonesia and China
3. Operations in Malaysia AEON CREDIT SERVICE CO., LTD. 4. Operations in Taiwan AEON CREDIT SERVICE CO., LTD. Summary of FY ended in Feb. 2008 Turned a profit on a single year basis for the first time in 6 years since the card company was founded Listed on the local stock exchange (Millions of NT do
Slide 11: Rapidly Growing Overseas Markets and Forecast of Results Ending Feb. 2009
Rapidly Growing Overseas Markets AEON CREDIT SERVICE CO., LTD. 7. Expansion of Overseas Operations AEON CREDIT SERVICE CO., LTD. <GDP Growth Rate (Index: FY 2000 = 100)> 250% BRIC Vietnam Establish Vietnam- Vietnam-based Japan <Accelerated Expansion of Philippines company Countries we already entere