Aeon Credit Service (m) Bhd. · MYX:AEONCR
Aeon Credit Service (m) Bhd — Q4 FYE2026 Earnings Presentation
36 slides from Aeon Credit Service (m) Bhd's earnings presentation, Apr 7, 2026
Slide 1: Q4 FYE26 Financial Results
Q4 FYE26 Financial Results 7 April 2026
Slide 2: Table of Contents
Table of Contents 03 KEY HIGHLIGHTS 16 FINANCIAL OVERVIEW 26 KEY STRATEGIES & MOVING FORWARD 30 APPENDICES
Slide 3: Key Highlights
KEY HIGHLIGHTS ———————
Slide 4: Economic Outlook and Financial Results Overview
Economic Outlook and Financial Results Overview Loan growth 11.4% YoY with momentum in middle-income segment. PAT resilient attribute to robust revenue growth Remarks Inflation Rate • FYE26 PAT recorded at RM383.2 GDP Unemployment Rate OPR mil, supported by strong revenue 6.3% 1.4% 3.0% 2.75% growth
Slide 5: FYE26 Indicators
FYE26 Indicators Meet all KPIs set for FYE2026 Actual Indicators TARGET FYE22 FYE23 FYE24 FYE25 Remark FYE26 FYE26 FYE2027 • Driven by digital onboarding 12.9% 15.4% initiatives and growth 9.9% 11.4% strategies to acquire M40 Loan Growth -2.2% ±10% ±10% ± 8% customer, tighten control on young-age an
Slide 6: FYE26 Strategic Roadmap
FYE26 Strategic Roadmap Robust brand visibility and bringing “Finance” closer to everyone Key Business Strategy Focus in FYE26 1 Customer Acquisition and Cross Selling via 4 Deepening Collaborations with AEON Group of AEON Wallet and AEON Loyalty Programme Companies in Malaysia 2 Enhancing Competiti
Slide 7: Customer Acquisition and Cross Selling via AEON Wallet and Loyalty Programme
FYE26 Business Strategy Update (cont’d) 1 Customer Acquisition and Cross Selling via AEON Wallet and AEON Loyalty Programme AEON Card Launch Brand Presence Flagship Branch 1st Motorcycle credit card in the Credit card with AEON Membership Motorsport partnerships to enhance Expansion of Flagship bran
Slide 8: Competitive Advantage by FinPlus Membership and Pre-Approval Concept
FYE26 Business Strategy Update (cont’d) 2 Establishing Competitive Advantage by FinPlus Membership and Pre-Approval Concept FinPlus Membership Scan2Apply QR Code Telemarketing VoiceBot TO BE MODEL B2C2B FinPlus Membership Introduction of tiered Loyalty Programme AEON FinPlus, a tiered membership Bus
Slide 9: Driving Cost Efficiency through Digital Transformation and Automation
FYE26 Business Strategy Update (cont’d) 3 Driving cost efficiency through digital transformation and automation Collection Automation Data Robot Dunning by Pool Telephony System AI CHATBOT Natural voice response by AI allowed for deposit instructions and follow-up calls Fully utilization dunning by
Slide 10: Collaborations with AEON Group of Companies in Malaysia
FYE26 Business Strategy Update (cont’d) 4 Collaborations with AEON Group of Companies in Malaysia AEON Bank AEON Retail AEON Insurance AEON Living Zoen AEON Bank AEON AEON Bank Business Actively participated in AEON Establish AEON360 to build a unified Personal Bank Savings Account Retail campaigns,
Slide 11: Establishing AI Infrastructure and Data Driven Management
FYE26 Business Strategy Update (cont’d) 5 Establishing AI Infrastructure and Data Driven management GOVERNANCE & ❶ DATA FOUNDATION ❷ FRAMEWORK ❸ANALYTICS & INSIGHTS Strengthening Data Data & AI Governance Analytics-Driven Decision Governance & Strategy Making What we did: What we did: What we did: M
Slide 12: FYE26 Sustainability and ESG Ratings Updates
FYE26 Sustainability and ESG Ratings Updates 6 Embedding sustainability across AEON Credit businesses SLL Performance Customers & Communities • CSR investment: RM1.7 mil FYE26 marks the final year of our • Benefited > 7,000 individuals initiatives including road safety Sustainability-Linked Loan (SL
Slide 13: Talent Development and CSR Initiatives
FYE26 – Talent Development and CSR Initiatives 6 Driving culture and retention through engagement Employee Benefits Digital Working Environment HR Asia Best Companies To Work In Asia 2025 – Malaysia Region • Comprehensive benefits improvements, • Launch eBuddy, Ai assistant for internal including he
Slide 14: FYE26 AEON Bank: Personal and Business Banking
FYE26 AEON Bank Key achievements for Personal Banking and Business banking AEON Bank Personal Banking AEON Bank Business Banking Acquisition Strategies Mar25 Personal Financing-i Cash Management • AEON Bank’s priorities on • Profit Rate: from 3.88% Aug 25 System & Business business banking products
Slide 15: FYE26 AEON Bank
FYE26 AEON Bank Steady progress in financing customer acquisition, deposit growth, and ecosystem integration, which will support long-term value creation for AEON Group FINANCIAL PERFOMANCE HIGHLIGHTS Personal Banking Business Banking FYE25 FYE26 (since Aug25) RM mil FYE25 FYE26 Q4 Q4 Total Income 2
Slide 16: Q4 Financial Review
Q4 FINANCIAL REVIEW EE
Slide 17: Q4 Financial Performance
Q4 Financial Performance • Total Income rose 3.0% YoY, supported by stable business performance, partially offset by lower income from credit cost following the absence of one-off debt sales income recognised in the previous year. • Operating expenses (excluding IL) increased in line with higher sal
Slide 18: Profit and Loss and Cost-to-Income Ratio (CIR)
Profit and Loss and Cost-to-Income Ratio (CIR) Continued discipline in operating cost control through digitalisation initiatives (RM mil) CIR Trend 52.5 7.9 14.6 59.0% 58.7% 15.5 53.0% 55.4% 19.8 5.7 8.4 8.2 IL Q4FYE25: RM185.3 mil IL Q4FYE26: RM132.8 mil 131.0 143.0 Write Off RM19.2 mil 28.7% 28.3%
Slide 19: Total Transaction and Financing Volume
Total Transaction and Financing Volume Personal Financing declined following strategic shift toward better asset quality; Notable growth for Payment Business driven by higher CIC and strategic campaigns Total Transaction & Financing Volume (RM mil) Transaction & Volume by Types Easy Payment Payment
Slide 20: Total Gross Financing Receivables
Total Gross Financing Receivables Strong growth trajectory in financing, underpinned by expansion of M40 segment and premium products Gross Financing Receivables (RM mil) Gross Financing Receivables by Types Easy Payment Payment Business Personal Financing 61.9% 60.9% +9.6% +16.5% +13.8% +1.7% +3.5%
Slide 21: Asset Quality
Asset Quality Enhancing segmental calling and risk strategies to boost collection performance Collection Ratio • Average collection performance for FYE26 improved YoY, despite weaker performance in the first half due to dunning by pool approach. 97.7% 98.0% 97.9% 97.3% 97.6% 97.6% • Remedial actions
Slide 22: Asset Quality (cont'd)
Asset Quality (cont’d) Credit cost expanded in line with higher financing growth Non-Performing Loan (NPL) Net Credit Cost (NCC) 2.57 2.64 2.61 4.94% 5.75% 5.48% 4.12% 3.35% 3.87% 12,232 14,120 15,725 386 510 614 FYE24 FYE25 FYE26 FYE24 FYE25 FYE26 Gross Receivables (RM mil) NPL Ratio (%) NCC (RM mi
Slide 23: Impairment Loss Analysis
Impairment Loss Analysis Credit cost expanded in line with higher financing growth 209% 195% RM’ Mil Movement 209% 228% 195% 25 Impact on Delinquency 13 82 129 movement of Receivables 14 Impact on change in ECL % 27 199 205 793 171 676 Impact of AKPK Restaging (131) ECL Ratio 25 -72 FYE25 FYE26 Q4 Q
Slide 24: Dividend
Dividend Maintaining a payout ratio >30% to reward shareholders Historical Dividend Data 39.6% 40.7% 50.0% 500.0 30.3% 34.0% 40.0% 30.0% 400.0 20.0% 10.0% 300.0 0.0% -10.0% 200.0 -20.0% 100.0 -30.0% -40.0% 126.4 417.7 144.2 424.0 146.8 370.6 157.0 383.2 - -50.0% FYE23 FYE24 FYE25 FYE26 Payout Amount
Slide 25: Q4FYE26 Corporate Social Responsibilities Key Activities
Q4FYE26 - Corporate Social Responsibilities Key Activities Empowering communities through on-going engagements and environmental conservation Malaysian AEON Foundation Social Initiatives Environmental 172 blood pints donated during AEON 1,000 mangrove trees planted at 466 homecare boxes distributed
Slide 26: Key Strategies and Moving Forward
KEY STRATEGIES AND MOVING FORWARD
Slide 27: Key Business Strategies in FYE27
Key Business Strategies in FYE27 Vision Transform into a Financial Platform connecting individuals & retailers in Malaysia Strengthening Credit Cost Reduction Establishment of AI Building a Group Development of Card Business through Operational Office Collaboration Management Team and Improving Effi
Slide 28: Building a Group Collaboration Framework
Building a Group Collaboration Framework AEON Bank AEON360 AEON Insurance Data Sharing ACSM Customers AEON Customers AEON Wallet Merchants Data Rewards/Poi SMEs/Mall tenants ID nts Renewal Analysis push notifications SME Working capital M40 /Receivables Financing Acquisition of Personnel/Corporate B
Slide 29: Appendices
APPENDICES EE
Slide 30: Performance Highlights
Performance Highlights Q4 Q1 Q2 Q3 Q4 (RM mil) QoQ YoY FYE25 FYE26 YoY FYE25 FYE26 FYE26 FYE26 FYE26 Total Transaction & Financing 2,162.2 2,248.9 2,345.2 2,160.2 2,213.5 2.5% 2.4% 8,413.9 8,967.7 6.6% Volume Easy Payment Financing 937.0 1,010.1 1,003.7 890.1 920.7 3.4% -1.7% 3,753.4 3,824.5 1.9% Pa
Slide 31: Financial Summary
Financial Summary Q4 Q1 Q2 Q3 Q4 (RM mil) QoQ YoY FYE25 FYE26 FYE26 FYE26 FYE26 Easy Payment Financing 8,746.5 9,028.0 9,278.0 9,420.7 9,583.9 1.7% 9.6% Payment Business 960.7 987.8 1,036.6 1,081.3 1,119.3 3.5% 16.5% Personal Financing 4,412.9 4,615.7 4,839.8 4,941.2 5,021.3 1.6% 13.8% Total Financi
Slide 32: Operating Income
Operating Income Q4 Q1 Q2 Q3 Q4 (RM mil) QoQ YoY FYE25 FYE26 YoY FYE25 FYE26 FYE26 FYE26 FYE26 Easy Payment Financing 322.1 334.0 339.4 341.1 344.9 1.1% 7.1% 1,266.4 1,359.4 7.3% Payment Business 54.3 55.3 57.9 60.0 63.1 5.2% 16.3% 197.8 236.3 19.5% Personal Financing 195.0 206.5 216.3 217.8 219.7 0
Slide 33: Total Expenses
Total Expenses Q4 Q1 Q2 Q3 Q4 (RM mil) QoQ YoY FYE25 FYE26 YoY FYE25 FYE26 FYE26 FYE26 FYE26 Impairment Loss on Receivables 185.3 229.4 243.5 212.5 132.8 -37.5% -28.3% 757.7 818.3 8.0% Personnel Expenses 71.9 68.4 78.8 80.1 79.8 -0.4% 11.0% 280.5 307.0 9.5% Advertising & Promotion (A&P) 8.4 16.0 15.
Slide 34: Financial Indicators
Financial Indicators FYE23 FYE24 FYE25 FYE26 PBT (RM mil) 547.0 565.2 513.5 537.4 PAT (RM mil) 417.7 424.0 370.6 383.2 Weighted average no. of ordinary shares (mil) 255.3 510.6** 510.6** 510.6** Basic EPS (RM)* 0.80 0.81 0.73 0.76 NTA per share (RM)* 4.6 5.2 5.5 6.0 ROE (%) 18.8 16.7 13.6 13.1 ROA (
Slide 35: Disclaimer
Disclaimer This document has been prepared by AEON Credit Service (M) Berhad (“AEON Credit” or the “Group”) solely for the use at the presentation to analyst, fund managers and investors. The information contained in this document has not been independently verified. No representation or warranty, w
Slide 36: Thank You
THANK YOU Mr Lee Kit Seong Ms Lee Siew Tee Investor Relations Team Chief Corporate Officer Chief Financial Officer ir_info@aeoncredit.com.my leeks@aeoncredit.com.my stlee@aeoncredit.com.my Level 18, UOA Corporate Tower, www.aeoncredit.com.my Avenue 10, The Vertical, Bangsar South City, 03-2772 9000
AEON Credit Service (M) Berhad — Q4 FYE2026 Earnings Presentation on 6ix