Group 1: Defense and Military Industry - The defense and military sector has experienced a significant surge, with stocks like Guanglian Aviation (300900) hitting a 20% limit up [1][3] - The sector index has reached a new 10-year high, driven by strong performances from various sub-sectors including aerospace and military electronics [3][5] - Geopolitical tensions are escalating, with the U.S. increasing military presence in the Caribbean and announcing plans for new warships, which may further boost the defense sector [5][6] Group 2: Robotics Industry - The robotics industry is witnessing a collective rise, particularly in humanoid robots, with multiple stocks hitting their daily limit up [8][10] - UBTECH announced plans to acquire approximately 43% of Fenglong Co., with a total transaction value of 1.665 billion yuan, leading to a limit up for Fenglong upon resumption of trading [10] - Tesla's humanoid robot, Optimus, is progressing towards mass production, with plans for a million-unit capacity by the end of 2026, indicating a pivotal year for the humanoid robot market in 2025 [11]

Core Viewpoint - AEON Credit Financial (Asia) Limited demonstrated strong operational resilience despite a complex economic environment, achieving a 4.1% revenue growth to HKD 1,358,100,000 for the first nine months of the fiscal year 2025/26 [1] Group 1: Financial Performance - The operating profit before impairment losses increased by 9.9% to HKD 712,900,000, supported by a 10.2% reduction in impairment losses and provisions [1] - The net profit after tax surged by 28.1% to HKD 352,700,000, compared to HKD 275,300,000 in the same period last year, with earnings per share rising to HKD 0.8422 from HKD 0.6574 [1] - The expense-to-revenue ratio improved from 46.8% to 44.3%, indicating enhanced operational efficiency [1] Group 2: Risk Management and Strategy - The company adopted a prudent loan portfolio management strategy, balancing customer base expansion with credit risk mitigation amid weak consumer spending and rising market default rates [1] - Credit loss as a percentage of total customer loans and receivables decreased to 4.0% as of November 30, 2025, reflecting improved asset quality [1] Group 3: Marketing and Digital Initiatives - The company optimized its marketing strategy to enhance the effectiveness of promotional spending, including improved pricing mechanisms and targeted consumer activities [2] - Strategic partnerships with merchants in durable goods and the introduction of installment payment plans for credit cards have gained popularity among younger customers [2] - Investments in digitalization and security enhancements aim to improve customer experience, including new features in the "AEON HK" mobile app and better data analytics tools [2] Group 4: Future Outlook - The company plans to maintain growth in local and online transaction volumes while refining credit assessment mechanisms to ensure high-quality asset portfolios [2] - Targeted activities and reward measures will be implemented to expand market share, particularly through competitive interest rate financial products [2] - A significant initiative includes launching a comprehensive rewards points platform to enhance credit card usage and customer loyalty [2] Group 5: Operational Efficiency and Sustainability - Operational efficiency and credit card security will be enhanced through the integration of artificial intelligence for automating backend tasks and improving fraud detection mechanisms [3] - The company is committed to reducing its carbon footprint through a fully paperless loan process and energy-efficient digital payment solutions [3] - The CEO expressed confidence in the company's ability to navigate market challenges and seize growth opportunities, supported by strong liquidity and a robust balance sheet [3]

Major Events - Kuaishou-W (01024) strongly condemns illegal activities related to black and gray industries, has reported to law enforcement and relevant authorities [1] - Sihon Pharmaceutical (02096) receives clinical trial approval for SIM0610 (EGFR/cMET bispecific antibody-drug conjugate) from the National Medical Products Administration [1] - Sinopec Engineering (02386) plans to acquire 100% equity of East China Pipeline Design Institute [1] - Yanda Pharmaceutical (00512) introduces the world's first epinephrine nasal spray for treating severe allergic reactions [1] - Valiant Pharmaceuticals-B (09887) reports the first subject has been dosed in Phase I trial of LBL-047 [1] - Xinyi Energy (03868) intends to acquire 100% equity of Jinzhai Xinyi Wind Power for 62 million yuan [1] - Zhongneng Holdings (00228) plans to receive a premium of approximately 9.03% for a full acquisition offer, with resumption of trading on December 24 [1] Operating Performance - Xipuni (02583) issues a profit warning, expecting annual net profit to increase year-on-year [1] - AEON CREDIT (00900) reports a profit of 353 million HKD for the first three quarters, an increase of 28.11% year-on-year [1] - New Fire Technology Holdings (01611) anticipates an annual net loss not exceeding 10 million HKD [1]

Core Viewpoint - AEON CREDIT (00900) reported a revenue of HKD 1.358 billion for the nine months ending November 30, 2025, representing a year-on-year increase of 4.1% [1] - The company's profit for the same period was HKD 353 million, reflecting a significant year-on-year increase of 28.11% [1] - Basic earnings per share were reported at HKD 0.8422 [1] Financial Performance - Revenue for the nine-month period reached HKD 1.358 billion, up 4.1% compared to the previous year [1] - Profit for the period was HKD 353 million, marking a 28.11% increase year-on-year [1] - Basic earnings per share stood at HKD 0.8422 [1]

Core Viewpoint - AEON CREDIT reported a significant increase in its financial performance for the first nine months of the fiscal year 2025/26, indicating strong growth in profitability and earnings per share [1] Financial Performance - The company's unaudited consolidated profit before tax for the first nine months was HKD 425 million, representing a 29.1% increase compared to the same period last year, which is an increase of HKD 95.7 million [1] - After deducting tax expenses of HKD 71.8 million, the group's profit recorded a growth of 28.1%, with net profit rising from HKD 275 million in the first nine months of the fiscal year 2024/25 to HKD 353 million in the reporting period [1] - Earnings per share increased from HKD 0.6574 to HKD 0.8422 during the reporting period [1]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何 部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 （於香港註冊成立之有限公司） （股份代號︰900） 修訂禮券主協議項下 持續關連交易之年度上限 鑑於持卡人在 AEON 積分獎賞計劃下換領永旺百貨禮券的需求日益增加，其增長速 度已超出本公司先前的預期，本公司預計現有年度上限將不足以滿足業務需求。同 時，考慮到 AEON 積分獎賞計劃預計將進行轉型，該轉型包括允許持卡人從本公司 及其他合作商戶賺取積分，因此現有年度上限已提高至經修訂年度上限。 永旺百貨乃本公司同系附屬公司。因此，修訂現有年度上限須重新遵守上市規則第 14A.54(1) 條項下有關持續關連交易公告及（如適用）獨立股東批准的規定。 由於經修訂年度上限之各項適用百分比率均超過0.1%但低於5%，經修訂年度上限須 遵守上市規則第14A章項下申報、公告及年度審閱規定，惟獲豁免經由獨立股東批准 之規定。 背景 鑑於預計永旺百貨禮券的需求將會增加，截至二零二八年二月二十九日止三個年度之 現有年度上限已 ...

Financial Performance - For the nine months ending November 30, 2025, the company reported total revenue of HKD 1,358,074,000, an increase of 4.5% compared to HKD 1,304,551,000 for the same period last year[3]. - Net interest income for the same period was HKD 1,053,714,000, up 4.5% from HKD 1,008,263,000 year-over-year[3]. - Operating income reached HKD 1,279,741,000, reflecting a growth of 5.1% compared to HKD 1,217,802,000 in the previous year[3]. - The company reported a net profit of HKD 352,703,000, representing a significant increase of 28.1% from HKD 275,307,000 in the prior year[3]. - Basic earnings per share increased to HKD 84.22, up from HKD 65.74, marking a growth of 28.0%[3]. - The total comprehensive income for the period was HKD 351,280,000, compared to HKD 267,664,000, showing a growth of 31.2%[4]. - The operating profit before tax for the period was HKD 424,473,000, compared to HKD 328,748,000 in the previous year, indicating a year-over-year increase of approximately 29.1%[16]. - The group reported a total operating income of HKD 1,358,074,000, with a total operating expense of HKD 931,173,000, resulting in a net operating profit of HKD 426,901,000[15]. - The group’s profit before tax was HKD 424.5 million, an increase of 29.1% compared to the same period last year[35]. - Net profit for the same period rose to HKD 352.7 million, reflecting a growth of 28.1% from HKD 275.3 million in the previous year[35]. Revenue Breakdown - Credit card service revenue amounted to HKD 1,082,314,000, while personal loan revenue was HKD 251,010,000, and insurance revenue was HKD 24,750,000, contributing to the overall revenue[15]. - Revenue from the Hong Kong region was HKD 1,316,705,000, while revenue from mainland China was HKD 41,369,000, highlighting the dominance of the Hong Kong market[17]. - The group’s insurance segment showed a revenue increase from HKD 22,049,000 to HKD 24,750,000, reflecting a growth of approximately 12.3% year-over-year[16]. - Credit card business accounted for 79.7% of total revenue, up from 78.1% in the same period last year[52]. - Revenue from credit card business increased by 6.3% or HKD 63,700,000 to HKD 1,082,300,000 compared to HKD 1,018,600,000 in the previous year[53]. - In mainland China, revenue increased from HKD 31,800,000 to HKD 41,400,000, but the business recorded a loss of HKD 12,900,000 due to deteriorating customer repayment performance[57]. Expenses and Cost Management - The company’s operating expenses decreased slightly to HKD 566,848,000 from HKD 569,371,000, indicating improved cost management[3]. - Total operating expenses decreased by 0.4% to HKD 566.8 million, leading to a cost-to-income ratio decline from 46.8% to 44.3%[44]. - General administrative expenses were HKD 175,425,000, up from HKD 172,213,000, reflecting an increase of about 1.3%[18]. - Marketing and promotional expenses decreased to HKD 68,060,000 from HKD 77,500,000, a reduction of approximately 12.2%[18]. - Employee costs, including director remuneration, rose to HKD 185,209,000 from HKD 178,746,000, an increase of about 3.1%[18]. - Depreciation and amortization expenses for tangible and intangible assets were HKD 39,855,000, down from HKD 44,289,000, indicating a decrease of approximately 10%[18]. Asset and Liability Management - Non-current assets increased from HKD 1,900,620 thousand to HKD 1,935,813 thousand, reflecting a growth of approximately 1.6%[5]. - Total equity increased from HKD 4,251,161 thousand to HKD 4,393,059 thousand, representing a growth of about 3.3%[6]. - The company's total liabilities decreased from HKD 5,593,986 thousand to HKD 5,344,730 thousand, indicating a reduction of approximately 4.4%[6]. - The company's total assets decreased from HKD 6,376,458 thousand to HKD 5,932,516 thousand, a decline of about 6.9%[5]. - The total current liabilities increased from HKD 226,351 thousand to HKD 303,622 thousand, indicating a rise of about 34.2%[5]. - The net debt-to-equity ratio remained stable at 0.7 as of November 30, 2025[35]. Credit Quality and Risk Management - The allowance for impairment losses on receivables was HKD 258,869,000 as of November 30, 2025, compared to HKD 264,939,000 as of February 28, 2025, indicating a slight decrease in provisions[24]. - The total expected credit loss for the current period was HKD 303,873,000, reflecting a significant increase compared to previous periods[25]. - The company recorded a write-off of uncollectible debts amounting to HKD 311,909,000 during the reporting period[26]. - The percentage of credit losses (Stage 2 and Stage 3 receivables) relative to total customer loans and receivables decreased from 4.2% on February 28, 2025, to 4.0% on November 30, 2025[31]. - The group adopted a more cautious loan portfolio management strategy, balancing customer base expansion with credit risk reduction[30]. - The effective credit risk monitoring led to significant improvements in loan quality, successfully controlling the proportion of high-risk customer loans[31]. Future Outlook and Strategic Initiatives - The company has not disclosed specific future outlook or guidance in the provided documents[3][4]. - Future guidance suggests continued revenue growth, with expectations of further expansion in both the Hong Kong and mainland China markets[17]. - The group has implemented new strategies to enhance market expansion, particularly focusing on the credit card and personal loan sectors[14]. - The company is actively exploring new product developments and technological advancements to strengthen its market position[14]. - The company plans to enhance its credit assessment procedures to stabilize asset quality and address expected increases in loan defaults[57]. - The strategy focuses on maintaining growth in local and online transaction volumes while improving credit assessment mechanisms to ensure high-quality asset portfolios[58]. - The launch of the One AEON Point project aims to create a comprehensive rewards platform to enhance credit card usage and customer loyalty[60]. - The company is implementing a fully paperless loan process and energy-efficient digital payment solutions to reduce its carbon footprint[60]. Compliance and Audit - The company’s financial statements were prepared in accordance with Hong Kong Financial Reporting Standards, ensuring compliance with local regulations[9]. - The auditor's report on the consolidated financial statements was unqualified, indicating a clean audit opinion[10]. - The company has maintained consistent accounting policies and methods compared to the previous fiscal year, ensuring comparability of financial data[11].

格隆汇12月8日丨AEON CREDIT(00900.HK)宣布，董事会会议将订于2025年12月23日星期二召开，会上 董事会将(其中包括)批准发布公司及其附属公司截至2025年11月三十日止九个月的未经审核综合业绩。 ...

AEON 信貸財務（亞洲）有限公司（「本公司」）之董事會（「董事會」）謹此宣布， 董事會會議將訂於二零二五年十二月二十三日星期二召開，會上董事會將（其中包括） 批准發布本公司及其附屬公司截至二零二五年十一月三十日止九個月之未經審核綜合 業績。 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對 其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份 內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 （於香港註冊成立之有限公司） （股份代號︰900） 董事會召開日期 於本公告日期，本公司董事會成員包括執行董事魏愛國先生（董事總經理）、黎玉光 先生（董事副總經理）及温育芳女士；非執行董事三島茂樹先生（主席）；及獨立非 執行董事李澄明先生、盛慕嫻女士、土地順子女士及蔡炳中先生。 承董事會命 公司秘書 洪敦信 香港，二零二五年十二月八日 ...

( 於香港註冊成立之有限公司 ) (股份代號：900) 董事名單及其角色和職能 AEON 信貸財務（亞洲）有限公司董事會（「董事會」）成員詳列如下︰ 執行董事 魏愛國（董事總經理） 黎玉光（董事副總經理） 温育芳 非執行董事 三島茂樹（主席） 獨立非執行董事 董事會轄下有四個委員會。各委員會成員資料詳列如下︰ 審核委員會 盛慕嫻（主席） 三島茂樹 土地順子 薪酬委員會 李澄明（主席） 三島茂樹 盛慕嫻 提名委員會 三島茂樹（主席） 土地順子 蔡炳中 策略委員會 蔡炳中（主席） 魏愛國 李澄明 香港，二零二五年十二月一日 李澄明 盛慕嫻 土地順子 蔡炳中 ...