Results for Fiscal Year 2012

from the beginning

Results for Fiscal Year 2012

• Organizational Structure of AEON Financial Service

• Operating Data

• Effects of Changed Settlement Date and AEON Bank Consolidation

• Results by Segment

• Quarterly Results by Segment

• Financial Data

• Review of FY 2012

• Number of Cardholders and Active Cardholders

• Growth in Credit Card Shopping (Consolidated) and WAON Transaction Volume

• Expansion of Group Business Field

• Recovery of Credit Card Cashing Transaction Volume and Bala

• Changes in Business Operations of AEON Bank

• Business Merger Campaigns

• Number of Disclosure Claims

• Allowance for Possible Credit Losses & Provision for Interest Repayment

• Key Initiatives for FY2013 Credit Card Business ? Expansion of Number of Domestic Cardholders

• Credit Card Business - Strengthening Initiatives for Shift to Senior Customers

• Credit Card Business - Initiatives to Improve Annual Activity Rates

• Credit Card Business - Use of Customer Data to Promote Marketing

• Bank Business - Strengthening Bank Business by Expanding Sales Network

• Credit Business - Toshiba Finance to become Consolidated Subsidiary

• Credit Business - Synergy with Toshiba Finance

• Fee Business - Expansion of E-money Business

• Fee Business - Promotion of Internet Business

• Fee Business - Expansion of Processing Business

• Fee Business - Improved insurance Agency Business/Short-term Small Fee Insurance Business

• Fee Business - Development of Debt Collection Business

• Fee Business - AEON HOUSING LOAN SERVICE CO., LTD. Initiatives

• Growth Centering Around Hong Kong (1)

• Growth Centering Around Hong Kong (2)

• Growth Centering Around Thailand (1)

• Growth Centering Around Thailand (2)

• Growth Centering Around Malaysia (1)

• Growth Centering Around Malaysia (2)

• Overseas Business Results

• Strengthening Disaster Recovery

• Compression of Interest-bearing Debt

• Targets for Operating Credit Balance

• Forecast of Results for FY 2013