Aeon Credit Service (m) Bhd. · MYX:AEONCR
Aeon Credit Service (m) Bhd — Q2 FYE2027 Earnings Presentation
30 slides from Aeon Credit Service (m) Bhd's earnings presentation, Sep 30, 2026
Slide 1: Q2FYE27 Financial Results
Q2FYE27 Financial Results 30th September 2026
Slide 2: Table of Contents
Table of Contents 03 KEY HIGHLIGHTS 14 FINANCIAL OVERVIEW 21 APPENDICES
Slide 3: Key Highlights
JEON KEY HIGHLIGHTS ——————EE
Slide 4: Economic Outlook and Financial Results Overview
Economic Outlook and Financial Results Overview 1HFYE2027 PAT recorded at RM150.5mil, supported by gross financing receivable growth of 9.1% year-on-year Remarks • 1HFYE27 revenue grew 7.8% YoY to GDP Inflation Rate Unemployment Rate OPR RM1.31 billion, while PAT increased marginally by 0.5% YoY to
Slide 5: FYE27 Indicators
FYE27 Indicators Receivable growth and cost discipline on track, ROE tracking below target on elevated impairment Actual TARGET FYE23 FYE24 FYE25 FYE26 Remark 1H FYE2027 FYE2027 12.9% 15.4% 9.1% 9.9% 11.4% • Growth ahead of prudent FYE2027 Receivables Growth ± 8% target, led by superbike financing a
Slide 6: FYE27 Business Strategy - Strengthening Credit Card & Payment Business
FYE27 Business Strategy - Strengthening Credit Card & Payment Business Strategic Growth Through AEON Ecosystem KL Midtown upcoming campaign Credit Card Usage Campaign Cards In Circulation CP Sales (RM Mil) 2.8% Market Share 331,8 +3% 19% 715 27 307,8 600 00 2QFYE26 2QFYE27 2QFYE26 2QFYE27 AEON Colla
Slide 7: FYE27 Business Strategy – Cost Reduction Through Operational Efficiency
FYE27 Business Strategy – Cost Reduction Through Operational Efficiency AI Voice Bot scaled from pilot phase to one third of D0 collection calls D0 Productivity (Staff + AI Voice Bot) PRODUCTIVITY MANPOWER EFFICIENCY AI Voice Bot D0 call share increase by 35% in Aug’26, from 10% at launch (Feb’26)
Slide 8: FYE27 Business Strategy - Establishment of Data & AI Centre of Excellence
FYE27 Business Strategy - Establishment of Data & AI Centre of Excellence Accelerating AI adoption through governance, talent and data platforms Responsible AI deployment Q2 FYE2027 Key Updates Strong risk oversight Trusted data management Group-Wide Data Strategy target architecture endorse
Slide 9: FYE27 Business Strategy – Building A Group Collaboration Framework
FYE27 Business Strategy – Building A Group Collaboration Framework Enabling Group Collaboration through AEON360 AEON360 FYE2027 Strategy AEON360 is a loyalty and engagement company that powers the unified AEON rewards ecosystem. It connects customers, partners, and businesses through Build a unified
Slide 10: FYE27 Business Strategy – Development of Talent Management
FYE27 Business Strategy – Development of Talent Management Building a credible employer brand with future ready talent pipeline Building Purpose-Driven, Digital Ready Leaders Strengthening Governance & Talent Continuity • Fills critical leadership roles from within, not through external • Digital &
Slide 11: FYE27 AEON Bank
FYE27 AEON Bank Steady progress in financing customer acquisition, deposit growth, and ecosystem integration, which will support long-term value creation for AEON Group FINANCIAL PERFORMANCE HIGHLIGHTS Personal Banking Business Banking FYE26 FYE27 YoY% RM mil Q2 Q2 > 60% RM10 mil RM75 mil Total Net
Slide 12: Q2 FYE27 AEON Bank Updates
Q2 FYE27 AEON Bank Updates Key achievements for Personal Banking and Business banking AEON Bank Personal Banking ● AEON Bank (M) Bhd enabled Google Pay for our Visa Debit Card-i customers, allowing Android users to make contactless payments in stores and online. ● In conjunction with the rollout, AE
Slide 13: Corporate Social Responsibilities Key Activities in Q2FYE27
Corporate Social Responsibilities Key Activities in Q2FYE27 Empowering communities through on-going engagements and environmental conservation Malaysia AEON Foundation Environmental & Social Inclusion Initiatives 72 blood pints donated 1,500 SIRIM certified helmets 10 charitable organizations and ho
Slide 14: Financial Review
JEON FINANCIAL REVIEW —————E
Slide 15: Q2FYE27 Financial Performance
Q2FYE27 Financial Performance • Total income grew 7.4% to RM1.425 bil, driven by higher sales and receivables, which grew 8.6% YoY respectively. • Operating expenses excluding IL increased in line with higher sales and revenue-generating activities and remained within the approved budget. • Operatin
Slide 16: Profit and Loss and Cost-to-Income Ratio (CIR)
Profit and Loss and Cost-to-Income Ratio (CIR) Continued discipline in operating cost control through digitalisation initiatives (RM mil) 48.1 30.2 CIR Trend 4.5 63.6% 59.2% 63.6% 4.8 10.1 54.8% 13.5 3.2 3.0 IL Q2FYE2026: RM243.5 Mil IL Q2FYE2027: RM273.7 Mil 72.2 28.1% 29.0% 27.9% 27.8% 57.0 1HFYE2
Slide 17: Total Transaction & Financing Volume
Total Transaction & Financing Volume Robust growth YoY driven by Payment Business Total Transaction & Financing Volume (RM mil) Transaction & Volume by Types Easy Payment Payment Business Personal Financing 42.8% 43.2% Q2 Q2 1,025 1,099 FYE26 FYE27 1,004 772 806 651 638 29.4% 31.7% 690 27.8% 25.1% 5
Slide 18: Total Gross Financing Receivables
Total Gross Financing Receivables Sustained momentum with growth across key products – 2.9% QoQ and 9.1% YoY expansion Gross Financing Receivables (RM mil) Gross Financing Receivables by Types Easy Payment Payment Business Personal Financing 61.2% 61.2% 10,11 7 1,127 1,153 9,278 9,829 5,113 5,262 1,
Slide 19: Asset Quality
Asset Quality NPL improved to 2.55% as collection hold steady, D3+ recovery remained area of focus. Receivable Collection Ratio (%) Non-Performing Loan (%) • Q2 FYE2027 Collection D0 and D2 remain 2.60 2.55 stable, while D1 ease respectively against Q2 2.49 FYE2026. Collection in Q2 was affected by
Slide 20: Asset Quality (Con't)
Asset Quality (Con’t) Loan loss coverage ratio at 199%, reflecting prudent provision Net Credit Cost (NCC) Impairment Loss (IL) Analysis 199% 6.46% 5.94% 6.32% 228% 195% • Impairment loss increased to RM274 mil in Q2 FYE2027 from RM236 mil in Q1 and RM244 45 12 26 mil a year earlier. 5.02% 4.64% 5.0
Slide 21: Impairment Loss Analysis
Impairment Loss Analysis Credit cost expanded in line with larger financing growth 228% 26 228% 199% RM’ Mil Movement 195% 45 12 199% Impact of higher Write Off 82 37 83 Impact of lower IL Provision (45) 248 224 199 472 Net increase in Total IL 37 390 • Q2 Bad debt write-off recorded at RM248 mil, u
Slide 22: Dividend
Dividend Declared interim dividend of 13.00 sen for 1HFYE27 Historical Dividend Data 39.6% 40.7% 43.0% 50.0% 500.0 34.0% 40.0% 30.0% 400.0 20.0% 10.0% 300.0 0.0% -10.0% 200.0 -20.0% 100.0 -30.0% -40.0% 144.2 424.0 146.8 370.6 157.0 383.2 66.4 150.5 - -50.0% FYE24 FYE25 FYE26 1HFYE27 Payout Amount (R
Slide 23: Appendices
JEON APPENDICES ——————EE
Slide 24: Performance Highlights
Performance Highlights Q2 Q1 Q2 (RM mil) QoQ YoY FYE26 FYE27 FYE27 Total Transaction & Financing Volume 2,345.2 2,352.3 2,543.0 8.1% 8.4% Easy Payment Financing 1,003.7 1,025.1 1,098.2 7.2% 9.5% Payment Business 690.4 772.0 806.4 4.4% 16.8% Personal Financing 651.1 555.2 638.4 15.0% - 2.0% Total Inc
Slide 25: Financial Summary
Financial Summary Q2 Q1 Q2 (RM mil) QoQ YoY FYE26 FYE27 FYE27 Easy Payment Financing 9,278.0 9,829.2 10,116.7 2.9% 9.0% Payment Business 1,036.6 1,126.6 1,153.4 2.4% 11.3% Personal Financing 4,839.8 5,113.0 5,261.6 2.9% 8.7% Total Financing Receivables 15,154.4 16,068.8 16,531.7 2.9% 9.1% Impairment
Slide 26: Operating Income
Operating Income Q2 Q1 Q2 (RM mil) QoQ YoY FYE26 FYE27 FYE27 Easy Payment Financing 339.4 356.8 364.6 2.2% 7.4% Payment Business 57.9 61.2 64.4 5.2% 11.2% Personal Financing 216.3 225.7 232.1 2.8% 7.3% Brokerage Fee* 4.3 3.9 4.1 5.1% -4.7% Total Revenue 617.9 647.6 665.2 2.7% 7.7% Other Operating In
Slide 27: Total Expenses
Total Expenses Q2 Q1 Q2 (RM mil) QoQ YoY FYE26 FYE27 FYE27 Impairment Loss on Receivables 243.5 236.2 273.7 15.9% 12.4% Personnel Expenses 78.8 71.9 83.6 16.3% 6.1% Advertising & Promotion (A&P) 15.4 12.9 19.8 53.5% 28.6% Other Operating Expenses 94.9 103.0 105.1 2.0% 10.7% Operating Expenses 432.6
Slide 28: Financial Indicators
Financial Indicators FYE24 FYE25 FYE26 1HFYE26 1HFYE27 PBT (RM mil) 565.2 513.5 537.4 212.1 215.7 PAT (RM mil) 424.0 370.6 383.2 149.8 150.5 Weighted average no. of ordinary shares 510.6** 510.6** 510.6** 510.6** 510.6** (mil) Basic EPS (RM)* 0.81 0.73 0.76 0.59 0.61 NTA per share (RM)* 5.2 5.5 6.0
Slide 29: 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 30: Thank You
THANK YOU Mr Ajith A/L Jayaram Ms Lee Siew Tee Investor Relations Team Chief Strategy Officer Chief Financial Officer ir_info@aeoncredit.com.my ajith@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 90
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