Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — H1 2014 Earnings Presentation
5 slides from Aeon Financial Service's earnings presentation, Nov 21, 2014
Slide 1: Results for the First Half of Fiscal Year 2014
1H FY 2014 Consolidated Results ■ Business Scale 1Q Fi Half First H lf T Totall Results Change from start of FY Results Change from start of FY Number of cardholders, consolidated 34 39 million 34.39 +490 thousand 34 86 million 34.86 +960 thousand Domestic 23.79 million +340 thousand 24.05 million +
Slide 2: Key Initiatives for the Second Half
Progress of Synergy from Management Integration Progress of Cost Efficiency Improvements (Domestic) (Billions of yen) Initiatives Effects 【Synergy from 1Ｑ 2Ｑ Management Integration】 Results Results Change from 1Q ・Increased Increased convenience of cash advances by Domestic loan balance Ordinary inc
Slide 3: Credit Card Business (Stronger Marketing Power / Organization of Customers)
Credit Card Business (Stronger Marketing Power) Credit Card Business (Organization of Customers) ・Promoted Promoted card use through direct mail marketing to cardholders with no recent activity ・Using Using co-branded co branded card strategy and other approaches to create organizations of younger ・
Slide 4: Overseas Business (Screening and Debt Collection / Increasing Investment)
Overseas Business (Strengthening Screening and Debt Collection) Overseas Business (Increasing Investment in Overseas Markets) ・Reviewed R i d credit dit scoring i ・Expanding Expanding investment in human resources and systems to accelerate growth ・Reduced credit loss expenses by systematizing collec
Slide 5: Forecast of Results for FY 2014 (Reference) and Allowance for Possible Credit Losses
Forecast of Results for FY 2014 (Reference) Allowance for Possible Credit Losses and Allowance for Loss on Refund of Interest Received ■ Allowance for Possible Credit Losses (Domestic Credit Card Business) (Billi (Billions off yen)) Forecast of Results FY 2013 1H FY 2014 1H Results YoY Allowance for
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