Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — AEON Credit Service — H1 FY2007 Earnings Presentation
12 slides from Aeon Financial Service's earnings presentation, Oct 26, 2006
Slide 1: Consolidated Operating and Financial Data, Cash Flows
Consolidated Operating Data for the Interim Period Ended August 20, 2006 Number of Cardholders by Country Year-on-Year Difference between (Thousands) Cardholders Net Increase from (Billions of yen) Actual Results (YOY) Increase Forecast and Actual Feb. 2006 (%) Results Japan 14,080 380 Transaction v
Slide 2: Non-Consolidated Data and Dividends
Non-Consolidated Operating Data Non-Consolidated Financial Data Difference between (Billions of yen) Actual Results YOY Increase (%) Forecast and Actual Breakdown of Transaction Volume Increase/Decrease Results (Billions of yen) At February 20, 2006 At August 20, 2006 YOY Increase over Interim Perio
Slide 3: Number of Cardholders, Active Cardholders and Shopping Volume
Total Cardholders on Worldwide Basis (Consolidated) Number of Cardholders and Cancellations We attracted 770,000 new cardholders. We achieved a net increase in cardholders of 380,000 from February 20, 2006, and 800,000 from August 20, 2005. Net Increase The cancellation rate continued to fall. Numbe
Slide 4: Shopping per Cardholder, Cash Advance Receivables and Allowances
Credit Card Shopping per Active Cardholder Cash Advance Receivables Greater use as main credit card boosted ratio of use at locations outside the AEON Credit Service Group. Cash advance receivables have grown at a steady pace, paralleling a rise in the number of cardholders. Credit card shopping per
Slide 5: Fund Procurement
Fund Procurement Fund Procurement Long-term, fixed-interest financing ratio continued to exceed 70%. AEON’s average cost of financing was steady at 0.92%. The average duration of long-term, fixed-interest financing was three years and two months. Even if interest rates should rise, AEON’s average co
Slide 6: SATY VIVRE, New Co-Branded Cards, Settlement Domain
Strengthening SATY VIVRE New Co-Branded Cards Enhance card privileges to boost monthly card-use rate. We plan to issue co-branded cards through ties with three more companies. Recommence new Mycal store launch program to expand operating network. (%) 31 Monthly card-use rate for AEON Card Kitamura C
Slide 7: Supplementary Services: Points, ETC and Gold Cards
Enhance Point Program Increase Number of ETC Cardholders We plan to broaden the scope of affiliated companies for the Tokimeki Point Program to boost We will seek a net increase of 220,000 electronic toll card (ETC) sign-ups to bring the total number of cardholders to 820,000. card-use rate and expa
Slide 8: Improving Operating Efficiency
Revamping Card-Issuing Process Industry’s First Voice Response System Cut costs by reducing charges on mail distribution of application forms and trimming account shortfalls. Expand contact center seating to 500, for Tokyo, Osaka, the Chubu region—centered on Nagoya—and northern Japan. Make greater
Slide 9: Establishing New Profit Sources, Personal Loans, e-money
Establish New Profit Sources Personal Loans Began issuing AEON Value Card VIP. Respond to the sudden need for funds prompted by such important occasions as marriage, the birth of a child or school entrance. Credit card business Conduct prudent credit checks using documents, such as payroll slips, to
Slide 10: NCS Kosan, ACS Credit Management, Overseas Operations
NCS Kosan (Insurance Agency) ACS Credit Management (Servicer Business) Interim Period Business Highlights Interim Period Business Highlights Higher revenues and income despite sluggish conditions in the insurance industry. • Collected payments on behalf of eight more companies, including Kansai
Slide 11: Expanding Overseas Presence: China and Indonesia
Expand Overseas Presence Promote Credit Guarantee Business in PRC Expand beyond existing operations in Hong Kong, Thailand, Malaysia and Taiwan, into such countries as the Established AEON Credit Guarantee (China) Co., Ltd., to pursue credit guarantee business People’s Republic of China (PRC) and In
Slide 12: Operations in Malaysia and Taiwan, Forecast
Operations in Malaysia Operations in Malaysia Interim Period Business Highlights Principal Tasks in the Fiscal Year Ending February 20, 2007 • Credit card business grew steadily. Results YOY Increase • Establish a system to support 120,000 cardholders. Targets YOY Increase • Number of cardholder
AEON Credit Service — H1 FY2007 Earnings Presentation on 6ix