AEON Credit Service (M) Bhd. · MYX:AEONCR
AEON Credit Service (M) Bhd — Shareholder Meeting (June 2016)
27 slides from AEON Credit Service (M) Bhd's shareholder meeting presentation, Jun 21, 2016
Slide 1: 19th Annual General Meeting
19th Annual General Meeting AEON Credit Service (M) Berhad 21 June 2016 1
Slide 2: Summary of Results FYE 2016
SUMMARY OF RESULTS FYE 2016 (RM Million) % Total Operating Results FYE 2016 % Y-O-Y Income Credit Card 947.665 103.0 - General Easy Payment 367.338 70.0 - Motorcycle Easy Payment 876.675 98.0 - Automobile Financing 735.107 111.0 - Personal Financing 674.839 174.0 - SME Business 14.365 68.0 - Total T
Slide 3: Total Transaction Volume FYE 2016
TOTAL TRANSACTION VOLUME FYE 2016 (RM Million) 113% 106% 109% 957.4 105% 3,615.9 103% 100% 921.6 3,405.7 107% 104% 110% 100% 892.6 867.6 847.8 847.0 844.3 843.3 1Q 2Q 3Q 4Q 1Q 2Q 3Q 4Q FPE FYE 2015 2016 FPE2015 FYE2016 AEON Credit Service (M) Berhad 21 June 2016 3
Slide 4: Summary of Financial Position as at 29th Feb 2016
SUMMARY OF FINANCIAL POSITION AS AT 29TH FEB 2016 Difference (Unit: RM Million,%) 28th Feb 2015 29th Feb 2016 Share vs LY Credit Card 540.954 538.747 8.9% -2.207 General Easy Payment 569.857 464.600 7.6% -105.257 Motorcycle Easy Payment 1,498.242 1,666.254 27.3% 168.012 Automobile Financing 1,083.55
Slide 5: Total Financing Receivables FYE 2016
TOTAL FINANCING RECEIVABLES FYE 2016 (RM Million) 118% 119% 122% 119% 5,497 127% 4,773 5,008 5,261 131% 4,616 136% 4,466 144% 4,205 3,910 20th May 14 20th Aug 14 20th Nov 14 28th Feb 15 31st May 15 31st Aug 15 30th Nov 15 29th Feb 16 FPE2015 FYE2016 AEON Credit Service (M) Berhad 21 June 2016 5
Slide 6: Financing Receivables by Products FYE 2016
FINANCING RECEIVABLES BY PRODUCTS FYE 2016 119% <Product Share> (RM Million) 5,497 127% Product 28th Feb 2015 29th Feb 2016 Difference 5,000 4,616 1,195 (137.5%) *PF 18.80% 21.70% 2.90% 869 4,000 1,579 (145.7%) *AF 23.50% 28.70% 5.20% 1,084 3,000 *MEP 32.40% 30.30% -2.10% 2,000 1,498 1,666 (111.2%)
Slide 7: Movement of Collection Ratio FYE 2016
MOVEMENT OF COLLECTION RATIO FYE 2016 Current collection ratio 97.38% 96.79% 96.78% 97.07% 97.30% 97.01% 97.08% 97.25% 100% D1 collection ratio 81.38% 80.44% 81.61% 81.81% 80.22% 80.99% 81.62% 79.13% 80% D2 collection ratio 66.23% 66.48% 66.82% 64.80% 63.98% 62.78% 61.80% 62.06% 60% Current : Not pa
Slide 8: Ratio of Non-Performing Loans (NPL) FYE 2016
RATIO OF NON-PERFORMING LOANS (NPL) FYE 2016 Prudent risk management policies and portfolio management to control NPL 3.07% 3.00% 2.76% 2.74% 2.68% 2.65% 2.58% 2.47% 2.50% 2.18% 2.00% 1.50% 1.00% 0.50% 0.00% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 FPE2015 FYE2016 AEON Credit Service (M) Berhad 21 June 2016 8
Slide 9: Key Financial Indicators FYE 2016
KEY FINANCIAL INDICATORS FYE 2016 Financial Indicators FYE2013 FYE2014 FPE2015 FYE2016 Total Income (RM Million) 500.8 711.7 928.1 1,055.2 PBT (RM Million) 181.1 233.9 289.3 301.6 PAT (RM Million) 134.1 175.4 215.7 228.2 Earnings Per Share * (RM) 1.03 1.22 1.46 1.49 NTA Per Share (RM) 2.98 3.79 4.72
Slide 10: Financial Performance FYE 2016
FINANCIAL PERFORMANCE FYE 2016 Total Assets Equity Attributable to Shareholders (RM Million) 124% (RM Million) 124% 115% 6,098 785 680 4,923 546 3,767 429 341 2,435 1,565 FYE2012 FYE2013 FYE2014 FYE2015 FYE2016 FYE2012 FYE2013 FYE2014 FYE2015 FYE2016 AEON Credit Service (M) Berhad 21 June 2016 10
Slide 11: Capital Ratio Against Receivables
Capital Ratio Against Receivables 23.4% 21.4% 20.2% 18.7% 18.3% Ratio requirement by BNM:16% FYE2012 FYE 2013 FYE 2014 FPE 2015 FYE 2016 AEON Credit Service (M) Berhad 21 June 2016 11
Slide 12: Final Dividend per Share and Payout Ratio FYE 2016
FINAL DIVIDEND PER SHARE AND PAYOUT RATIO FYE 2016 Difference Dividend/Payout FYE2014 FPE 2015 FYE 2016 from LY Interim Dividends 22.3 cent 27.4 cent 29.9 cent 109% 2.5 cent Final Dividends 24.0 cent 29.6 cent 29.6 cent 100% 0.0 cent Total Dividends 46.3 cent 57.0 cent 59.5 cent 104% 2.5 cent Payout
Slide 13: Events & Corporate Responsibility
Events & Corporate Responsibility AEON Credit Service (M) Berhad 21 June 2016 13
Slide 14: Events
Events AEON BiG Co-Brand Credit Card: Contactless Capability (payWave function) Double Points at all AEON BiG stores Instant Points Redemption AEON Credit Service (M) Berhad 21 June 2016 14
Slide 15: Promotion for Easy Payment Campaigns
Promotion for Easy Payment Campaigns Chinese New Year “RM88,888 Campaign” Received over 30,000 contest entries nationwide Total of 53 winners took home cash prizes worth from RM888 to the grand prize of RM8,888 “Oh-Sem Perayaan 2015” Campaign Total of 100 winners took home prizes worth over RM
Slide 16: Other Promotional Campaigns
Other Promotional Campaigns Purple League Badminton League 2015 Sponsorship Co-sponsored Ampang Jaya Badminton Club with other key sponsors Junior league placement - Ranked 3rd /12 Purple league - Ranked 7th/12 Champion league - Ranked 4th/8 Games broadcasted on Astro Live TV sports channe
Slide 17: Corporate Responsibility
Corporate Responsibility Caring For the Environment Tree planting at AEON Mall Shah Alam Participation by over 850 AEON Group staff 13,000 tress planted around the vicinity of new mall AEON Credit Service (M) Berhad 21 June 2016 17
Slide 18: Community Contribution
Community Contribution AEON Credit Blood Donation Drive In support of National Blood Bank, Malaysia Participated by over 200 AEON Credit staff members AEON Credit Service (M) Berhad 21 June 2016 18
Slide 19: Malaysian AEON Foundation
Malaysian AEON Foundation MAF 11th Charity Gala Dinner 2015 AEON Credit & business partners contributed RM250,000 in cash, sponsorships and prizes. Funds to be channelled to deserving individuals, organisations and schools. AEON Credit Service (M) Berhad 21 June 2016 19
Slide 20: Malaysian AEON Foundation CSR FYE2016
Malaysian AEON Foundation CSR FYE2016 Festival Themed Charity Events “Buka Puasa Sinar Kasih “Lights of Love” Deepavali “Spread Your Love” Chinese Ramadan 2015” - Charity event for Celebration - Done in New Year Celebration- 160 100 orphans and 20 single collaboration with the Kassim children
Slide 21: Malaysian AEON Foundation CSR FYE2016
Malaysian AEON Foundation CSR FYE2016 Aid to disaster stricken zones Sabah Earthquake Relief - Participation from Nepal Earthquake Donation Drive - Collectively volunteers from AEON Credit Kota Kinabalu delivering donated with other AEON Group companies a aid to mountain guides in Ranau total of
Slide 22: Financial Year 2016 Strategic Plan
Financial Year 2016 Strategic Plan AEON Credit Service (M) Berhad 21 June 2016 22
Slide 23: Business Synergy within AEON Group & Network Expansion
Business Synergy within AEON Group & Network Expansion Cross selling of Easy Payment products and Credit Cards to 2.2million AEON Big Members Expansion of branch network and customer acquisition by opening service centres at AEON Malls and secondary towns Feb 2016: 60 Feb 2017: 64 AEON Credit Se
Slide 24: Digitalization
Digitalization Customer Experience - Self Service Kiosk - Digital Devices Digitalization of Operations Application, Settlement, Marketing & Recruitment AEON Credit Service (M) Berhad 21 June 2016 24
Slide 25: Credit Card & Fee Business
Credit Card & Fee Business Credit Card - Develop Co- Brand Credit Card - Increase customer loyalty with more in-store rewards Expand Insurance Business - AEON member base - Extended warranty expansion AEON Credit Service (M) Berhad 21 June 2016 25
Slide 26: Brand Awareness
Brand Awareness 20th Anniversary Celebration - E-Money - Special Promotion - Community Events - Branding and Awareness AEON Credit Service (M) Berhad 21 June 2016 26
Slide 27: Thank you
Thank you AEON Credit Service (M) Berhad 21 June 2016 27
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