Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — AEON Credit Service — H1 FY2012 Earnings Presentation
7 slides from Aeon Financial Service's earnings presentation, Oct 15, 2012
Slide 1: Operating Data (First Half of Fiscal Year 2012)
Operating Data (First Half of Fiscal Year 2012) ■ Intensified cardholder sign-up efforts and joint planning with affiliated merchants drove steady growth in t transaction ti volume l (increase (i off 12% YYoY). Y) ■ Consolidated net income was ¥6.1 billion (increase of 101% YoY), exceeding our forec
Slide 2: Financial Data; Number of Cardholders and Active Cardholders
Financial Data Number of Cardholders and Active Cardholders ■ Consolidated finance receivables (including securitized receivables) increased ¥36.9 billion on steady ■ On a consolidated basis, the number of cardholders was 25.06 million (up 670,000 from the start of the fiscal expansion of credit car
Slide 3: Initiatives for Seniors; Credit Card Shopping Transaction Volume
Initiatives for Seniors Credit Card Shopping Transaction Volume (Nonconsolidated) ■ Began issuing the G.G AEON Card, which features 5% discounts for people 55 and older on the 15th of ■ Intensified cardholder sign-up efforts and the continued addition of privileges and functions steadily every month
Slide 4: E-Money Business; Internet Business; Allowance for Possible Credit Losses
Allowance for Possible Credit Losses & Provision for Interest Repayment E-Money Business (Nonconsolidated) ■ The number of WAON cards issued in the first half was 26.90 million (up 2.80 million from the start of the ■ Allowance for possible credit losses was ¥3 ¥3.6 6 billion (down 47% YoY) as the c
Slide 5: Strengthening of Overseas Business
Initiatives in the Servicer Business & Small-sum, Short-term Insurance Business Strengthening of Overseas Business ■ Accelerated business development in Asia with establishment of regional headquarters and reorganization ■ Operating revenues in the first half were ¥1.0 billion (increase of 25% YoY),
Slide 6: Consolidated Net Income of AEON Bank; AEON Bank's Operations
Consolidated Net Income of AEON Bank AEON Bank’s Operations ■ Achieved single-year profitability in fiscal year 2011, driven by steady expansion of operations. ■ The bank has steadily expanded its operations, with 2.8 million accounts, 2,089 ATMs and 86 in-store ■ In fiscal year 2012, net income was
Slide 7: Targets for Number of Cardholders and Deposit Accounts; Finance Receivables
Targets for Number of Cardholders and Deposit Accounts Finance Receivables (Domestic Individual Customers) ■ We plan to increase the number of AEON CARD SELECT cardholders to 10 million in fiscal year 2016 by ■ We plan to increase finance receivables to ¥4 trillion in fiscal year 2016 through expans
AEON Credit Service — H1 FY2012 Earnings Presentation on 6ix