Final Results for the Fiscal Year 2017

from the beginning

Final Results for the Fiscal Year 2017

• Consolidated results and business outline:Record high results and increase in ordinary income & ordinary profit for six consecutive terms

• Consolidated results of business scale

• Results by segment

• Domestic/Global area results by graph

• Consolidated balance sheet

• Improve profitability of asset ~capital efficiency by securitization~

• Implementation of IFRS9:Change in calculation method for allowance for doubtful accounts

• Progress and schedule of system/IT investments

Future Direction － Construction of AFS ecosystem －

• Our Vision “Asia’s No. 1 Retail Financial Service Company

• Domestic: Reformation of business model

• Global: Expansion of customer ID base through prepaid/smartphone payment services

• Main initiatives in FY2018

• Addition of smartphone application functions

• Improve internal system through utilization of data (Domestic)

• Initiatives for improving labor productivity (Domestic)

• Enhancing the current business (Global)

• Expansion of new income source while creating social impact (Global): Long-term growth through solving social issues

• Forecast of Results for FY2018

Aeon Credit Service Malaysia BHD Financial Performance and Key Policy

• Financial Performance, FYE2018

• FYE2018 KPI

• FYE2018 Key Policy - Expansion of Settlement Business

• FY2017 - Key Policy - Portfolio Shift

FY2018 Key Policy

• External Environment・Market Trend

• Challenges and corresponding policies

• Expansion of customer-base and asset portfolio

• Business Model Transformation、IT investment

• FY2018 - Key Policy - Sustainability

• (Reference) FY2017 Results (Hong Kong, Thailand, Malaysia)(Slide only)

• (Reference) FY2017 Results (Hong Kong, Thailand, Malaysia)(Slide only)

• (Reference) Allowance for Doubtful Accounts and Allowance for Loss on Refund of Interest Received by Segment(Slide only)

• (Reference) FY2018 Business Plan (Domestic)(Slide only)

@