Aeon Credit Service (m) Bhd. · MYX:AEONCR
Aeon Credit Service (m) Bhd — Q3 FYE2026 Earnings Presentation
33 slides from Aeon Credit Service (m) Bhd's earnings presentation, Dec 18, 2025
Slide 1: Q3FYE26 Financial Results
Q3FYE26 FINANCIAL RESULTS 18 December 2025
Slide 2: Table of Contents
Table of Contents 03 KEY HIGHLIGHTS 05 FINANCIAL OVERVIEW 14 KEY STRATEGIES AND MOVING FORWARD 26 APPENDICES
Slide 3: Key Highlights
KEY HIGHLIGHTS ———————
Slide 4: Economic Outlook and Q3FYE26 Financial Results Overview
Economic Outlook and Q3FYE26 Financial Results Overview Revenue up +11% YoY driven by stronger loan and financing growth; PAT up +46% YoY mainly due to lower impairment loss and bad debt recoveries despite associate losses; Loan growth at RM1.8b with momentum in middle-income segment via digital onb
Slide 5: Financial Review
FINANCIAL REVIEW ———————
Slide 6: Q3FYE26 Financial Performance
Q3FYE26 Financial Performance • Total income grew by 10.6% YoY, mainly driven by higher sales and receivables, which increased by 2.0% and 13.0% YoY, respectively. • Operating expenses (excluding IL) rose, led by costs associated with sales and revenue generation, as well as higher headcount. • Impa
Slide 7: Profit and Loss Walk and Cost-to-Income Ratio (CIR)
Profit and Loss Walk and Cost-to-Income Ratio (CIR) Continued discipline in operating cost control through digitalisation initiatives (RM mil) CIR Trend 64.8 2.8 61.3% 62.5% 57.4% 0.3 7.3 3.0 51.9% 15.1 4.4 IL Q3FYE25: RM215.3 mil 9.3 IL Q3FYE26: RM212.5 mil 90.4 Write Off RM30.0 mil 28.0% 29.4% 28.
Slide 8: Total Transaction and Financing Volume
Total Transaction and Financing Volume QoQ decline in Easy Payment and Personal Financing 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 Type
Slide 9: Total Transaction and Financing Volume (cont'd)
Total Transaction and Financing Volume (cont’d) Business expansion via effective marketing strategies and onboarding initiatives Personal Financing Card in Circulation (CIC) Motorcycle Financing Market Share (%) (’000) Market Share (%) +14.0% YoY 11.1 23.5 23.6 +2.9% QoQ 9.7 8.5 308 317 21.7 277 May
Slide 10: Total Gross Financing Receivables
Total Gross Financing Receivables Sustained momentum with strong growth across key products – 1.9% QoQ and 13.0% YoY expansion, focusing M40 segment and premium products Gross Financing Receivables (RM mil) Gross Financing Receivables by Types Easy Payment Payment Business Personal Financing 62.4% 6
Slide 11: Asset Quality
Asset Quality Enhancing segmental calling and risk strategies to boost collection performance Collection Ratio Non-Performing Loan (NPL) • Overall Q3 collection performance in uptrend compared to Q2, following remedial actions 20000.0 2.49% 2.48% taken on file assignment approach. 2.42% 200.00% 1800
Slide 12: Asset Quality (cont'd)
Asset Quality (cont’d) Loan loss coverage ratio at 228%, reflecting prudent provisions Net Credit Cost (NCC) Impairment Loss (IL) Analysis • Lower impairment loss QoQ, driven by improved delinquent account 6.46% 231% 228.0% 228.0% 5.89% 6.18% movements, coupled with effective mitigation measures, in
Slide 13: Monthly Collection Performance
Monthly Collection Performance Overall Q3 collection performance improved YoY, driven by effective collection management D0 Collection Ratio D1 Collection Ratio 98.5% 97.9% 87.0% 98.0% 86.0% 84.4% 97.5% 85.0% 97.5% 84.0% 97.0% 83.0% 96.5% 82.0% 82.9% 96.0% 81.0% Mar Apr May Jun Jul Aug Sep Oct Nov M
Slide 14: Key Strategies and Moving Forward
KEY STRATEGIES AND MOVING FORWARD
Slide 15: FYE26 Indicators
FYE26 Indicators Continual delivery of sustainable returns to shareholders Actual Actual Indicators Actual Remark FYE24 FYE25 FYE26 9MFYE26 • Attributed to digital onboarding Loan Growth 12.9% 15.4% ±10% ±10% 13.0% initiatives and growth strategy to acquire M40 customers. • Revenue increased YoY und
Slide 16: 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 Enhancing Competitiveness via FinPlus AEON Wallet and AEON Loyalty Programme Membership and Pre-Approval Model 2 Deepening Col
Slide 17: Q3FYE26 Business Strategy Update
Q3FYE26 Business Strategy Update Cross selling via wallet integration and group collaboration program to bringing “Finance” closer to everyone Customer Acquisition via AEON Wallet and Customer Acquisition & 1 EP Self Onboarding via AEON Wallet Loyalty Continue AEON Wallet features • FinPlus onboardi
Slide 18: Q3FYE26 Business Strategy Update (cont'd)
Q3FYE26 Business Strategy Update (cont’d) Driving cost efficiency through digital transformation and automation Driving Cost Efficiency through Digital Credit Assessment Automation 3 Transformation and Automation Auto Judge Ratio TAT (5min) Auto Approval Ratio • Strengthen collection strategy and pe
Slide 19: AEON360
Q3FYE26 Business Strategy Update (cont’d) Establish AEON360 to build a unified membership and data ecosystem that integrates AEON's retail, financial and digital services Shareholding Structure AEON360’s Total Issued and • Established a Joint Venture 2 Collaborations with AEON Group Paid-up Share Ca
Slide 20: Collaborations with AEON Bank
Q3FYE26 Business Strategy Update (cont’d) Group collaboration program to bringing “Finance” closer to everyone 2 Collaborations with AEON Bank RM4.1 mil Performance Update Personal Financing Collaborations with AEON Bank Collaboration with AEON Bank: Disbursement to Customer Acquisition via • Drive
Slide 21: Q3FYE26 Business Strategy Update (cont'd)
Q3FYE26 Business Strategy Update (cont’d) Group collaboration program to bringing “Finance” closer to everyone Collaborations with AEON Bank 2 AEON Bank Business Banking (cont’d) Collaboration with AEON Bank: Acquiring for AEON Analysis and • Biz x AEON Credit Representative and Tenants, and A360 pr
Slide 22: Q3FYE26 AEON Bank Updates
Q3FYE26 AEON Bank Updates Capital Injection into AEON Bank to strengthen capital base and support future growth, targeted for completion in Jan26 FINANCIAL PERFOMANCE HIGHLIGHTS • Total initial share capital: RM550mil. FYE25 FYE26 RM mil Q1 Q2 Q3 Q4 Q1 Q2 Q3 • Subscription of additional new ordinary
Slide 23: Q3FYE26 Sustainability and ESG & Credit Ratings Updates
Q3FYE26 Sustainability and ESG & Credit Ratings Updates Embedding sustainability across AEON Credit businesses Environmental Climate Action Economy SLL Performance CREDIT FYE26 marks the final RATINGS Conducted targeted Q3 Progress Update: *SPT-1 year of our Cumulative Affirmed by RAM climate worksh
Slide 24: Q3FYE26 CSR Updates
Q3FYE26 CSR Updates Uplifting communities through social contributions and environmental initiatives Environmental Initiatives Social / MAF Initiatives Tanjung Balau, Johor Pantai Teluk Senangin, Perak MAF Youth Empowerment Step Up! Workshop Target for FYE26 (32 youths from orphanages and charitable
Slide 25: Q3FYE26 Award Recognition
Q3FYE26 Award Recognition Recognised for our strong employer brand, business excellence, innovation, and commitment to sustainability MALAYSIA’S 100 LEADING HR ASIA BEST COMPANIES GRADUATE EMPLOYERS TO WORK IN ASIA 2025 – AWARD 2025 Malaysia Region Awarded 1st Runner-Up in the Financial Services Sec
Slide 26: Appendices
APPENDICES EE
Slide 27: Performance Highlights
Performance Highlights Q3 Q2 Q3 9M 9M (RM mil) QoQ YoY YoY FYE25 FYE26 FYE26 FYE25 FYE26 Total Transaction & Financing 2,118.7 2,345.2 2,160.2 -7.9% 2.0% 6,251.7 6,754.2 8.0% Volume Easy Payment Financing 837.1 1,003.7 890.1 -11.3% 6.3% 2,816.5 2,903.9 3.1% Payment Business 617.4 690.4 731.5 5.9% 18
Slide 28: Financial Summary
Financial Summary Q3 Q2 Q3 (RM mil) QoQ YoY FYE25 FYE26 FYE26 Easy Payment Financing 8,524.7 9,278.0 9,420.7 1.5% 10.5% Payment Business 905.0 1,036.6 1,081.3 4.3% 19.5% Personal Financing 4,235.5 4,839.8 4,941.2 2.1% 16.7% Total Financing Receivables 13,665.2 15,154.4 15,443.2 1.9% 13.0% Impairment
Slide 29: Operating Income
Operating Income Q3 Q2 Q3 9M 9M (RM mil) QoQ YoY YoY FYE25 FYE26 FYE26 FYE25 FYE26 Easy Payment 320.1 339.4 341.1 0.5% 6.6% 944.4 1,014.6 7.4% Payment Business 50.3 57.9 60.0 3.6% 19.2% 143.5 173.2 20.7% Personal Financing 187.9 216.3 217.8 0.7% 15.9% 527.0 640.5 21.5% Brokerage Fee* 3.7 4.3 3.5 -18
Slide 30: Total Expenses
Total Expenses Q3 Q2 Q3 9M 9M (RM mil) QoQ YoY YoY FYE25 FYE26 FYE26 FYE25 FYE26 Impairment Loss on Receivables 215.3 243.5 212.5 -12.7% -1.3% 572.4 685.4 19.7% Personnel Expenses 72.8 78.8 80.1 1.7% 10.1% 208.6 227.2 8.9% Advertising & Promotion (A&P) 15.3 15.4 15.7 1.9% 2.0% 43.8 47.0 7.3% Other O
Slide 31: Financial Indicators
Financial Indicators Q3 9M FYE23 FYE24 FYE25 FYE26 FYE26 PBT (RM mil) 547.0 565.2 513.5 125.4 337.5 PAT (RM mil) 417.7 424.0 370.6 90.4 240.2 Weighted average no. of ordinary shares (mil) 255.3 510.6** 510.6** 510.6** 510.6** Basic EPS (RM)* 0.80 0.81 0.73 0.63 0.63 NTA per share (RM)* 4.6 5.2 5.5 5
Slide 32: 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 33: 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
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