Aeon Financial Service Co., Ltd. · TSE:8570
Aeon Financial Service — H1 FY2013 Earnings Presentation
9 slides from Aeon Financial Service's earnings presentation, Nov 25, 2013
Slide 1: Results for the First Half of Fiscal Year 2013
Strengthening of Compliance and Governance System ■ Establish a g governance system y and g generate awareness of compliance p as a bank holdingg company. p y ■ Establish a system facilitating appropriated management and supervision of subsidiaries (in personnel, organizational, physical and informa
Slide 2: Operating Data and Results by Segment
Operating Data (Balance Sheets) Operating Data (Statements of Income) (Billions of yen) (Billions of yen) (Billions of yen) (Billions of yen) Change from Change from. Consolidated Results Consolidated Results Results Results start of fiscal start of fiscal C Consolidated lid t d Y Y YoY Consolidated
Slide 3: Finance Receivables Balance and AEON Bank Deposits and Interest Rate
Balance of Finance Receivables (before Securitization) AEON Bank Deposits and Interest Rate (Interest Expenses) (Domestic) ■ The balance of finance receivables is increasing due to promotion of credit cards and housing loans. ■ The balance of deposits in the first half increased to ¥1,678.3 billion
Slide 4: Allowance for Loss on Refund of Interest Received
Allowance for Loss on Refund of Interest Received ■ The number of disclosure claims in the first half was 900 claims per month (down 41% YoY), and the amount of i t interest t refunded f d d was ¥1.8 ¥1 8 billi billion (down (d 28% YYoY). Y) ■ Provision for loss on refund of interest received in the
Slide 5: Initiatives to Expand Transaction Volume and Credit Card Cashing Balance
③ Initiatives to Expand Transaction Volume ④ Expansion of Credit Card Cashing Balance (Domestic) ■ Increased convenience by offering privileges such as favorable interest rates on ordinary deposits and ■ Credit card cashing balance at the end of the first half was ¥285.9 billion (up ¥56.0 billion fr
Slide 6: Disaster Recovery, Productivity and Installment Payment Business
③ Efforts to Strengthen Disaster Recovery and Raise Productivity Domestic Subsidiaries – Strengthening the Installment Payment Business ■ In addition to our data centers in Eastern Japan, data centers were opened in Western Japan as a way of preparing ■ Transaction volume rose steadily by 22% YoY fo
Slide 7: Bank Business: Sales Network and Online Banking
Bank Business – ① Strengthening the Bank Business by Expanding the Sales Network ② Strengthening Online Banking ■ Planning to increase number of ATMs installed to 5,000 (up 2,320 YoY) and number of bank branches to 124 (up 19 YoY). ■ Expanded the number of investment trust products handled to 200, a
Slide 8: Thailand Business Management and Greater Mekong Subregion Development
Strengthening the Business Management System Centered on Thailand Business Development in Greater Mekong Subregion ■ Consolidated operating profit in the first half reached a record 1,567 million Baht (up 71% YoY). ■ Thailand: Boost cardholder sign-ups and expand transaction volume through joint pro
Slide 9: Overseas Business Results and Forecast of Results for FY 2013
Overseas Business Results Forecast of Results for FY 2013 ■ Made forward-looking investments in first half, including expansion of the ATM network and promotional events in ■ In the first half of FY 2013, ordinary income was ¥43.3 billion (up 50% YoY) and ordinary profit was ¥7.2 billion connection
AEON Financial Service — H1 FY2013 Earnings Presentation on 6ix