Results for the First Half of Fiscal Year 2013

from the beginning

Results for the First Half of Fiscal Year 2013

• Strengthening of Compliance and Governance System

• Strengthening of Management Structure

• Our Response to Antisocial Forces

• Synergy from Management Integration

• Operating Data (Balance Sheets)

• Operating Data (Statements of Income)

• Results by Segment

• Number of Cardholders and Active Cardholders

• Balance of Finance Receivables (before Securitization)

• AEON Bank Deposits and Interest Rate (Interest Expenses) (Domestic)

• Reduction of Interest-bearing Debt

• Allowance for Possible Credit Losses (Domestic Credit Card Business)

• Allowance for Loss on Refund of Interest Received

Key Initiatives for the Second Half of FY 2013

• Credit Card Business - (1) Expansion of Number of Domestic Cardholders

• (2) Initiatives to Improve Annual Activity Rates

• (3) Initiatives to Expand Transaction Volume

• (4) Expansion of Credit Card Cashing Balance (Domestic)

• Fee Business - (1) Expansion of E-money Business

• (2) Promotion of Internet Business

• (3) Efforts to Strengthen Disaster Recovery and Raise Productivity

• Domestic Subsidiaries - Strengthening the Installment Payment Business

• Strengthening "Flat 35" Loans

• Strengthening the Insurance Business

• Bank Business - (1) Strengthening the Bank Business by Expanding the Sales Network

• (2) Strengthening Online Banking

• Strengthening the Business Management System Centered on Hong Kong

• Business Development in Greater China

• Strengthening the Business Management System Centered on Thailand

• Business Development in Greater Mekong Subregion

• Strengthening the Management System Centered around Malaysia

• Business Development in Malaysia and Emerging Asian Economies

• Overseas Business Results

• Forecast of Results for FY 2013