Aeon Credit Service (asia) Co., Ltd. · HKEX:900
Aeon Credit Service (asia) — Shareholder Meeting (June 2025)
13 slides from Aeon Credit Service (asia)'s shareholder meeting presentation, Jun 26, 2025
Slide 1: 2025 Annual General Meeting
Stock Code : 0900 2025 Annual General Meeting 26 June 2025
Slide 2: Disclaimer and Glossary
Disclaimer Glossary This document has been prepared by AEON Credit 1H FY20/21 First half of FY2020/21 Service (Asia) Co., Ltd. (“AEON Credit” or the 2H FY20/21 Second half of FY2020/21 “Company”) solely for use at the presentation to 1H FY21/22 First half of FY2021/22 analysts and fund managers. 2H
Slide 3: Major Achievements in FY24/25
Major Achievements in FY24/25 Maintained Sales and Receivables Growth Despite Enhanced Credit Assessment to Improve Asset Quality Changing Consumption Landscape in Hong Kong Amid a High-default Operating Environment, with Full-Year Financial Results Surpassing Last Year ▪ Despite the challenging ret
Slide 4: Financial Performance
Financial Performance FY24/25 FY23/24 YoY % <28.2.2025> <29.2.2024> Sales (YoY %) + 10 % + 12 % <Gross advances & receivables> HK$ 7,329m HK$ 6,961m + 5% Revenue HK$ 1,759m HK$ 1,623m + 8% Profit after tax HK$ 400m HK$ 392m + 2% Cost-to-income ratio 46.6% 46.9% - 0.3% 4
Slide 5: Sustainable Growth Momentum: Five-Year Performance Trend
Five-Year Performance Trend Sales Trend (YOY+10%) Unit: HK$ Billion 6.6 6.8 7.1 7.5 6.4 4.7 5.2 3.9 4.2 Sustainable 3.4 1H FY20/21 2H FY20/21 1H FY21/22 2H FY21/22 1H FY22/23 2H FY22/23 1H FY23/24 2H FY23/24 1H FY24/25 2H FY24/25 Growth Momentum Sales Gross Advances & Receivables, Revenue, Profit Af
Slide 6: Dividend
Dividend Dividend 51.2% Payout ratio for FY24/25 Unit: HK Cents, % 53.8% 51.2% 51.2% Core 49.3% Payout Dividend Policy : Annual dividend payout ratio of not less than 30% of Ratio the net profit attributable to shareholders of the Company for the financial year 24 25 22 22 Total Dividend for FY24/25
Slide 7: Highlights of Consolidated Statement of Profit or Loss
Highlights of Consolidated Statement of Profit or Loss Profit Analysis Waterfall Chart Unit: HK$ Million Financial Highlights Net interest income (YoY) +HK$89m 326 Operating income (YoY) +HK$128m Profit after tax (YoY) +HK$8m Earnings per share FY23/24 Net interest Fees and Handling and Operating Im
Slide 8: Segment Information
Segment Information Credit Personal Mainland Unit: HK$ Insurance Consolidated Hong Kong Consolidated cards loans China FY24/25 Revenue 1,378M 350M 31M 1,759M 1,715M 45M 1,759M Segment results 457M 8M 15M 480M 472M 8M 480M Unallocated items (3M) (3M) Profit before tax 477M 477M FY23/24 Revenue 1,284M
Slide 9: Business Strategies
Business Strategies 1 Revamp the Customer Journey – Automated screening and virtual card issuing/multi-channel loan drawdown process for speedy application and usage 2 Accelerate Back-office Digitalization – Call center platform upgrade and adoption of artificial intelligence in marketing and portfo
Slide 10: Proposed New Reward Platform
New Reward Platform ▪ AEON Credit will develop and implement a new reward platform that consolidates bonus points earned from ACSA credit cards and participating merchants ▪ AEON Stores (Hong Kong) has expressed preliminary interest in the new reward platform ACSA Credit Card Proposed New Reward Pla
Slide 11: AEON Green Personal Loan
AEON Green Personal Loan Product Overview ▪ Purpose : Provide financing for the purchase of electric vehicles and the installation of renewable energy systems ▪ Loan Type : Normal Personal Loan Application Process ▪ Methods : "AEON HK" Mobile App, AEON Website, AEON Branches, AEON Cheering Assistant
Slide 12: Sustainability Efforts in FY24/25
Sustainability Efforts in FY24/25 Environmental List of Awards ❖ Friends of the Earth Tree Planting Challenge 2024 ❖ Launch of new vertical credit cards made from recycled materials to support sustainability ❖ “ESG+ Pledge” and “Caring Company 15 Years+” ❖ Volunteered for the Sowers Action “Healthy
Slide 13: Thank You!
35 ANNIVERSARY Thank You! 13
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