Results for Fiscal Year 2011

from the beginning

Results for Fiscal Year 2011

• Operating Data

• Results by Segment

• Quarterly Results by Segment

• Financial Data

• Review of FY 2011

• Number of Cardholders and Active Cardholders

• Credit Card Shopping Transaction Volume (Consolidated)

• Growth in Credit Card Shopping Transaction Volume (Non-consolidated)

• Credit Card Cashing & Credit Guarantee Transaction Volume (Non-consolidated)

• Rate of Recovery of Receivables in Arrears and Total Receivables in Arrears

• Number of Disclosure Claims and Amount of Interest Repayment Claims

• Allowance for Possible Credit Losses & Provision for Interest Repayment

• Fund Procurement (Non-Consolidated)

Key Initiatives for FY 2012

• Credit Card Shopping Transaction Volume Initiatives (Non-consolidated)

• Start of AEON CARD Cardholder Sign-Up Efforts at Marunaka

• Enhance COSMO THE CARD Opus

• Finance Receivables (Domestic)

• Expand the E-Money Business

• Strengthen the Bank Agency Business

• Strengthen the Internet Business

• Expand the Processing Business

• ACS Credit Management Initiatives

• AEON S.S. Insurance Initiatives

• AEON HOUSING LOAN SERVICE Initiatives

• System Initiatives

• Our Changing Business Structure (Comparison of Operating Revenues by Segment)

• Consolidated Operating Income

• Forecast of Results for FY 2012