Aeon Credit Service (asia) Co., Ltd. · HKEX:900
Aeon Credit Service (asia) — Shareholder Meeting (June 2026)
13 slides from Aeon Credit Service (asia)'s shareholder meeting presentation, Jun 25, 2026
Slide 1: 2026 Annual General Meeting
Stock Code : 0900 2026 Annual General Meeting 25 June 2026
Slide 2: Disclaimer and Glossary
Disclaimer Glossary This document has been prepared by AEON Credit 1H FY21/22 First half of FY2021/22 Service (Asia) Co., Ltd. (“AEON Credit” or the 2H FY21/22 Second half of FY2021/22 “Company”) solely for use at the presentation to 1H FY22/23 First half of FY2022/23 analysts and fund managers. 2H
Slide 3: Financial Highlights
Financial Highlights FY25/26 FY24/25 YoY <28.2.2026> <28.2.2025> Sales (YoY) +8% +10% - <Gross advances & receivables> HK$ 7,913m HK$ 7,329m +8% Revenue HK$ 1,825m HK$ 1,759m +4% Impairment losses and impairment allowances HK$ 422m HK$ 446m -6% Profit after tax HK$ 468m HK$ 400m +17% Operating expen
Slide 4: Sustainable Growth Momentum: Five-Year Performance Trend
Five-Year Performance Trend Sales Trend (YOY+8%) Unit: HK$ Billion 8.3 7.1 7.5 7.4 6.6 6.4 6.8 Sustainable 4.7 5.2 4.2 1H 2H 1H 2H 1H 2H 1H 2H 1H 2H Growth Momentum FY21/22 FY21/22 FY22/23 FY22/23 FY23/24 FY23/24 FY24/25 FY24/25 FY25/26 FY25/26 Gross Advances & Receivables, Revenue, Profit After tax
Slide 5: Dividend: 58 HK Cents
Dividend Dividend 51.9% Payout ratio for FY25/26 Unit: HK Cents, % 70.0% 53.8% Core 60.0% 51.2% 51.2% 51.9% 49.3% 50.0% Payout Dividend Policy : Annual dividend payout ratio of not less than 30% of 40.0% Ratio the net profit attributable to shareholders of the Company for the financial year 33 24 25
Slide 6: Financial Highlights: Consolidated Statement of Profit or Loss
Highlights of Consolidated Statement of Profit or Loss Profit Analysis Waterfall Chart Unit: HK$ Million Financial Highlights Net interest income (YoY) 25 70 1 10 -1 -37 468 +HK$70m 400 326 Operating income (YoY) +HK$77m Profit after tax (YoY) +HK$68m Earnings per share FY24/25 Net interest Fees and
Slide 7: Segment Information
Segment Information Credit Personal Mainland Unit: HK$ Insurance Consolidated Hong Kong Consolidated cards loans China FY25/26 Revenue 1,454m 338m 34m HK$ 1,825m 1,765m 61m HK$ 1,825m Segment results 526m 23m 16m HK$ 564m 586m (22m) HK$ 564m Unallocated items (HK$ 2m) (HK$ 2m) Profit before tax HK$
Slide 8: Business Strategies
Business Strategies 1 Implement a Unified Bonus Point Program - Maximize Group Power and Strengthen Market Competitiveness 2 Enhance Data-Driven Credit Assessment Processes - Maximize Profit and Minimize Credit Risk 3 Revamp the Customer Service Operation - Centralized Management with Immediate Resp
Slide 9: Strengthening Online Credit Card Transaction Security
Strengthening Online Credit Card Transaction Security – Enhancing Digital Authentication & Customer Protection In-App Authentication Real-Time Card Control ▪ Replaced SMS / OTP with secure ▪ Upgraded card on/off feature in in-app authentication for Mobile App for instant control e-commerce transacti
Slide 10: New Product Launches – Driving Customer Value & Growth
New Product Launches – Driving Customer Value & Growth Property Owner Personal Loan Renovation Loan Unsecured Car Loan 10
Slide 11: Continued Integration of ESG Principles into Operations
Continued Integration of ESG Principles into Operations Promotion of Green Finance Awards & Recognition • Secured a HK$300 million • Inaugural S&P ESG Rating: 46/100 sustainability-linked syndicated bank Other ESG-related awards: • “Newcomer Award – Commendation” loan from Hong Kong ESG Reporting •
Slide 12: Recent ESG Achievements
Recent ESG Achievements The Asset Triple A Sustainable Finance Awards S&P Global Sustainability Yearbook (China Edition) ❖ Received “Best Sustainability-Linked Loan – NBFI” at The Asset Triple A Sustainable ❖ Selected for the first time as a member of the S&P Global Sustainability Yearbook Finance A
Slide 13: Thank You!
Thank You!
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