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]
AEON信贷财务二零二五/二六年度首九个月净利润跃升28.1%至3.527亿港元