股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年10月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: AEON信貸財務(亞洲)有限公司 呈交日期: 2025年11月3日 I. 法定/註冊股本變動 不適用 備註： 自新《公司條例》(香港法例第622章) 於2014年3月3日實施後，AEON信貸財務(亞洲)有限公司 (於香港註册成立的公司) 不再有法定股本及股份面值。 FF301 第 1 頁 共 10 頁 v 1.1.1 第 2 頁 共 10 頁 v 1.1.1 FF301 III.已發行股份及/或庫存股份變動詳情 (A). 股份期權（根據發行人的股份期權計劃） 不適用 第 3 頁 共 10 頁 v 1.1.1 FF301 II. 已發行股份及/或庫存股份變動 | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 (註1) | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00900 | 說明 | AEON CREDI ...

（於香港註冊成立之有限公司） （股份代號︰900） 各位非登記股東1： 若 閣下欲收取是次公司通訊及/或日後公司通訊之印刷本，請填妥隨附之申請表格並寄回本公司的股份過戶登記 處（「股份過戶登記處」）卓佳證券登記有限公司，地址為香港夏慤道16號遠東金融中心17樓或發送電郵至 is-ecom@vistra.com。 倘若 閣下對本函有任何疑問，請於辦公時間內（星期一至星期五（香港公眾假期除外）上午九時正至下午六時 正）致電股份過戶登記處查詢熱線(852) 2980 1333或電郵至如上所述之電郵地址查詢。 承董事會命 AEON信貸財務(亞洲)有限公司 洪敦信 公司秘書 二零二五年十月二十三日 附件 於本公司網站登載公司通訊之通知 AEON信貸財務（亞洲）有限公司（「本公司」）謹此通知 閣下，本公司下述公司通訊2（「是次公司通訊」） 之中、英文版本現已登載於本公司網站 www.aeon.com.hk及香港聯合交易所有限公司（「聯交所」）網站 www.hkexnews.hk： • 中期報告 2025/26 閣下可於本公司網站「關於AEON信貸財務」項下「投資者關係」一欄或聯交所網站瀏覽是次公司通訊。如 閣 下早前已選 ...

（於香港註冊成立之有限公司） （股份代號︰900） 各位登記股東： 於本公司網站登載公司通訊之通知 AEON信貸財務（亞洲）有限公司（「本公司」）謹此通知 閣下，本公司下述公司通訊^（「是次公司 通訊」）之中、英文版本現已登載於本公司網站 www.aeon.com.hk 及香港聯合交易所有限公司（「聯交 所」）網站 www.hkexnews.hk： ^ 「公司通訊」指按聯交所制定的證券上市規則第 1.01 條所定義，本公司發出或將予發出以供其任何證券的持有 人或投資大眾參照或採取行動的任何文件，其中包括但不限於 (a) 董事會報告、年度賬目連同核數師報告及（如 適用）財務摘要報告； (b) 中期報告及（如適用）中期摘要報告； (c) 會議通告； (d) 上市文件； (e) 通函； 及 (f) 代表委任表格。 致： AEON 信貸財務（亞洲）有限公司（「本公司」）（股份代號：900） 經 卓佳證券登記有限公司 香港夏慤道 16 號 遠東金融中心17樓 甲部 本人╱吾等欲收取日期為二零二五年十月二十三日的是次公司通訊的印刷本 （請在下列空格內劃上「✓」號） 欲收取是次公司通訊之中文及英文印刷本 乙部 本人╱吾等欲 ...

Financial Performance - Revenue for the first half of the fiscal year 2025 reached HKD 897.1 million, a 4.3% increase compared to the same period in fiscal year 2024[6] - Operating profit before impairment losses was HKD 475.6 million, reflecting an 11.7% increase year-over-year[6] - Net profit for the period was HKD 233.6 million, representing a 37.1% increase compared to the previous year[6] - Total comprehensive income for the period was HKD 233.5 million, compared to HKD 158.5 million in the previous year[15] - The company reported a profit of HKD 233,600 thousand for the six months ended August 31, 2025, compared to HKD 170,361 thousand for the previous period, representing an increase of approximately 37.1%[18] - The group recorded a pre-tax profit of HKD 281.3 million, an increase of 38.4% or HKD 78.1 million compared to the same period last year[80] - The net profit after tax rose by 37.1% or HKD 63.2 million to HKD 233.6 million, with earnings per share increasing from HKD 0.4068 to HKD 0.5578[80] - Revenue for the first half of the fiscal year 2025/26 was HKD 897.1 million, a growth of 4.3% or HKD 36.8 million from HKD 860.3 million in the previous year[81] Customer Loans and Receivables - Total customer loans and receivables amounted to HKD 7.524 billion, a 2.7% increase from February 28, 2025[7] - The total amount of customer loans and receivables as of August 31, 2025, was HKD 7,523,985,000, up from HKD 7,329,378,000 as of February 28, 2025[37] - The company’s customer loans and receivables included restructured loans amounting to HKD 188,170,000 as of August 31, 2025[38] - Total customer loans and receivables grew by 2.7% from February 28, 2025, to August 31, 2025, despite a more conservative marketing strategy[76] Assets and Liabilities - Non-current assets decreased to HKD 1.852 billion from HKD 1.936 billion as of February 28, 2025[16] - Current assets increased to HKD 6.235 billion from HKD 5.933 billion as of February 28, 2025[16] - Current liabilities increased to HKD 2,651,262 thousand as of August 31, 2025, compared to HKD 2,274,343 thousand as of February 28, 2025, reflecting a growth of approximately 16.5%[17] - Total liabilities decreased from HKD 1,342,825 thousand as of February 28, 2025, to HKD 1,056,274 thousand as of August 31, 2025, showing a reduction of about 21.3%[17] - The total amount of other receivables increased to HKD 53,178,000 as of August 31, 2025, compared to HKD 30,072,000 on February 28, 2025, representing a growth of approximately 76.7%[47] Dividends and Shareholder Returns - The company paid dividends totaling HKD 104,691 thousand during the period, compared to HKD 100,504 thousand in the previous period, marking an increase of about 4.3%[19] - The company declared a final dividend of HKD 0.25 per share, totaling HKD 104,691,000 for the fiscal year ending August 31, 2024, compared to HKD 100,504,000 for the previous year[32] - The board declared an interim dividend of HKD 0.25 per share, up from HKD 0.24 per share in the previous year, with a payout ratio of 44.8%[79] Interest Income and Expenses - Interest income increased to HKD 754,456,000 in 2025, up from HKD 734,492,000 in 2024, reflecting a growth of 2.1%[29] - The interest expense for the period was HKD 55,609,000, down from HKD 64,537,000 in the previous year, indicating improved cost management[29] - The average financing cost decreased from 4.1% in the previous year to 3.4% in the first half of the fiscal year 2025/26[82] Operational Efficiency and Strategies - The company plans to enhance customer experience by upgrading credit assessment models and integrating AI tools into backend operations[13] - The company is integrating AI tools into backend operations to improve efficiency and reduce operational costs[94] - The company aims to leverage the potential of the Guangdong-Hong Kong-Macao Greater Bay Area to establish a sustainable growth model for its Shenzhen operations[95] Risk Management - The group has established a risk management framework to address various risks, including credit, operational, market, liquidity, and legal risks[112] - The group employs derivative financial instruments to manage interest rate and foreign currency risks, with no significant changes in market risk management practices[113] - The group has implemented policies and systems to monitor and control credit risk, ensuring appropriate follow-up actions for overdue debts[119] Market Performance - The group’s overall sales for the first half of the fiscal year 2025/26 increased by 4.4% compared to the same period last year, primarily driven by growth in credit card sales[76] - Credit card business accounted for 79.6% of total revenue, up from 77.8% in the previous year, while private loan business accounted for 18.6%, down from 20.5%[91] - Hong Kong business revenue increased by 3.6% to HKD 872.1 million for the first half of FY2025/26, up from HKD 841.9 million in FY2024/25[93] Employee and Management - The total number of employees increased slightly to 598 as of August 31, 2025, from 596 in the previous period[101] - The remuneration for key management personnel increased slightly to HKD 5,474,000 in 2025 from HKD 5,434,000 in 2024, reflecting a growth of 0.7%[67] Corporate Governance - The board of directors has undergone changes, with new appointments and resignations effective June 26, 2025[131] - The company’s management received discretionary bonuses, with amounts such as HKD 600,000 and HKD 340,000 awarded in June 2025[132] - The interim financial results were reviewed by Deloitte, confirming compliance with Hong Kong accounting standards[134]

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 | 截至月份: | 2025年9月30日 | 狀態: | 新提交 | | --- | --- | --- | --- | | 致：香港交易及結算所有限公司 | | | | | 公司名稱: | AEON信貸財務(亞洲)有限公司 | | | | 呈交日期: | 2025年10月2日 | | | | I. 法定/註冊股本變動 | 不適用 | | | | 備註： | | | | | | 自新《公司條例》(香港法例第622章) 於2014年3月3日實施後，AEON信貸財務(亞洲)有限公司 (於香港註册成立的公司) 不再有法定股本及股份面值。 | | | FF301 第 1 頁 共 10 頁 v 1.1.1 FF301 II. 已發行股份及/或庫存股份變動 | 1. 股份分類 | 普通股 | 股份類別 | 不適用 | | 於香港聯交所上市 (註1) | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 00900 | 說明 | AEON CREDIT ...

Core Viewpoint - AEON CREDIT announced a mid-term dividend of HKD 0.25 per share, to be distributed on November 4, 2025, for the six months ending August 31, 2025 [1] Company Summary - AEON CREDIT will distribute a mid-term dividend of HKD 0.25 per share [1]

Core Insights - AEON CREDIT (00900) reported a revenue of HKD 897 million for the six months ending August 31, 2025, representing a year-on-year growth of 4.3% [1] - The net profit for the same period was HKD 234 million, showing a significant increase of 37.1% compared to the previous year [1] - Basic earnings per share were reported at HKD 0.5578 [1] Financial Performance - The company successfully implemented various marketing strategies during the first half of the fiscal year 2025/26 to meet market demand despite uncertain economic conditions [1] - The growth in credit card revolving receivables offset the decline in personal loan receivables, contributing to the overall revenue increase [1] - Interest income rose from HKD 734.5 million in the previous year to HKD 754.5 million, marking a 2.7% increase [1]

Core Viewpoint - AEON CREDIT (00900) announced a mid-term dividend of HKD 0.25 per share, to be distributed on November 4, 2025, for the six months ending August 31, 2025 [1] Summary by Relevant Categories Company Announcement - AEON CREDIT will distribute a mid-term dividend of HKD 0.25 per share [1] Dividend Details - The dividend is for the six-month period ending August 31, 2025 [1] - The payment date for the dividend is set for November 4, 2025 [1]

Core Insights - AEON CREDIT reported a revenue of HKD 897 million for the six months ending August 31, 2025, representing a year-on-year growth of 4.3% [1] - The net profit for the same period was HKD 234 million, showing a significant year-on-year increase of 37.1% [1] - Basic earnings per share were recorded at HKD 0.5578 [1] Financial Performance - The company implemented various marketing strategies in the first half of the fiscal year 2025/26 to meet market demand despite uncertain economic conditions [1] - The growth in credit card receivables offset the decline in personal loan receivables, contributing to the overall revenue increase [1] - Interest income rose from HKD 734.5 million in the previous year to HKD 754.5 million, marking a 2.7% increase [1]

Core Viewpoint - AEON CREDIT reported a mid-term performance for the six months ending August 31, 2025, showing revenue growth and significant profit increase despite economic uncertainties [1] Financial Performance - The company's revenue reached HKD 897 million, representing a year-on-year increase of 4.28% [1] - Profit attributable to shareholders was HKD 234 million, reflecting a year-on-year growth of 37.12% [1] - Basic earnings per share were HKD 0.5578, with an interim dividend proposed at HKD 0.25 per share [1] Business Strategy - The group implemented various marketing plans to meet market demand, successfully maintaining sales growth despite unclear economic conditions [1] - Continuous growth in credit card receivables offset the decline in personal loan receivables, contributing to the overall financial performance [1] Interest Income - Interest income increased by 2.7% or HKD 20 million from HKD 735 million in the same period last year to HKD 755 million during the reporting period [1]