Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — AEON Credit Service — FY2009 Earnings Presentation
11 slides from Aeon Financial Service's earnings presentation, Apr 16, 2009
Slide 1: Results for the Fiscal Year Ended February 20, 2009
Operating Data AEON CREDIT SERVICE CO., LTD. (Billions of yen) Actual Year-on-Year Consolidated Change Forecast Differences Results Transaction volume 3,074.0 112% 3,110.0 - 35.9 Operating revenues 176.0 97% 185.8 - 9.7 Operating income 26.6 81% 33.0 - 6.3 Results for the Fiscal Year Ended Ordinary
Slide 2: Cardholders and Transaction Volume
Number of Cardholders (Consolidated) AEON CREDIT SERVICE CO., LTD. Number of Active Cardholders (Consolidated) AEON CREDIT SERVICE CO., LTD. عThe numbers of consolidated and non-consolidated cardholders increased to 20.03 million عThe numbers of consolidated and non-consolidated active cardhol
Slide 3: Payment Claims, Arrears Recovery and Allowance for Credit Losses
Numbers of Payment Claims and AEON CREDIT SERVICE CO., LTD. Rate of Recovery to Receivables in Arrears AEON CREDIT SERVICE CO., LTD. Payments Arrears at Month End and Total Receivables in Arrears عWhile the number of payment claims increased about 14% YoY, the number of payments in عAn improve
Slide 4: FY2009 Major Targets of Implementation: Excess Interest Allowance and Fund Procurement
Allowance for Losses on Excess Interest Repayment AEON CREDIT SERVICE CO., LTD. Fund Procurement AEON CREDIT SERVICE CO., LTD. عWe increased allowance for losses on excess interest repayment by ¥3.4 billion yen over the عWe secured an extended credit facility of ¥200 billion, increased from ¥1
Slide 5: Expanding Electronic Money, Gift Card and Bank Agency Businesses
1-N. Expanding the Electronic Money Business AEON CREDIT SERVICE CO., LTD. 2. Reinforcing the Gift Card Business AEON CREDIT SERVICE CO., LTD. عA fast-food chain outside the group and a convenience store chain will start accepting عExpand the partnership target range to cover close-related and
Slide 6: Expanding Credit Guarantee Business and Promoting Processing Business
4. Expanding the Credit Guarantee Business AEON CREDIT SERVICE CO., LTD. 5. Promoting the Processing Business AEON CREDIT SERVICE CO., LTD. عPlan to achieve the credit guarantee balance of ¥25 billion through enhanced collaboration عAccept the processing business from group companies utilizing
Slide 7: AEON Insurance Services and ACS Credit Management
8. AEON Insurance Services AEON CREDIT SERVICE CO., LTD. 9. ACS Credit Management AEON CREDIT SERVICE CO., LTD. عEnhancing the sales of goods-associated insurance products while promoting online عPlan to achieve operating revenues of ¥2.5 billion (up 9% YoY) by expanding the business insurance
Slide 8: New Customer Segments, Card Privileges and Features
1-N. Exploring New Customer Segments AEON CREDIT SERVICE CO., LTD. 2. Enhancing Card Privileges and Features AEON CREDIT SERVICE CO., LTD. عOur efforts in targeting new customer segments have resulted in higher ratios of male and عThe annual card usage ratio has risen with the introduction of
Slide 9: System Development Plan and Overseas Operations
5. System Development Plan AEON CREDIT SERVICE CO., LTD. Already developed Under development To be developed FY2008 FY2009 FY2010 Cardholder service system Dealing with legal change Dealing with volume expansion Monthly Point management Authorization Banking system statement system system Worldwide
Slide 10: Operations in China, Indonesia and Vietnam
3. Operations in China AEON CREDIT SERVICE CO., LTD. 4. Operations in Indonesia AEON CREDIT SERVICE CO., LTD. عFY2008: Accepted house card issuance and credit guaranteed businesses from AEON’s local عFY2008: Operating revenues increased 102% after expanding the installment sales business, subs
Slide 11: Establishing a Presence in Asia; Forecast of Results for FY2009
7. Establishing a Presence in Asia AEON CREDIT SERVICE CO., LTD. Forecast of Results for FY2009 AEON CREDIT SERVICE CO., LTD. عAccelerate entry into neighboring countries with three overseas public subsidiaries in Hong Kong, Thailand, and Malaysia serving as operational bases (Billions of yen) Co