AEON Credit Service (M) Bhd. · MYX:AEONCR
AEON Credit Service (M) Bhd — Q1 FYE2027 Earnings Presentation
28 slides from AEON Credit Service (M) Bhd's earnings presentation, Jul 10, 2026
Slide 1: Q1 FYE27 Financial Results
Q1 FYE27 Financial Results 10 July 2026
Slide 2: Table of Contents
Table of Contents 03 KEY HIGHLIGHTS 14 FINANCIAL OVERVIEW 21 APPENDICES
Slide 3: Key Highlights
KEY HIGHLIGHTS ———————
Slide 4: Economic Outlook and Financial Results Overview
Economic Outlook and Financial Results Overview Q1 FYE2027 PAT recorded at RM93.4 Mil, supported by continued growth in gross financing receivables, which increased 9.8% year-on-year. Remarks Inflation Rate • Q1FYE27 PAT recorded at GDP Unemployment Rate OPR RM93.4 mil, supported by 5.4% 1.9% 3.0% 2
Slide 5: FYE27 Indicators
FYE27 Indicators On track to meet targets for FYE2027 Actual TARGET FYE23 FYE24 FYE25 FYE26 Remark 1Q FYE27 FYE2027 • Lower receivables growth 12.9% 15.4% target for FYE2027 reflects a Receivables 9.9% 11.4% 9.8% prudent approach amid ± 8% geopolitical uncertainties, Growth inflation risks and evolv
Slide 6: FYE27 Business Strategy - Strengthening Credit Card & Payment Business
FYE27 Business Strategy - Strengthening Credit Card & Payment Business Elevate Customer Engagement & Experience Strategic Growth Through AEON Ecosystem DuitNow Launched on 5th May 2026 AEON Collaboration • Allows real time payments between locally registered bank accounts • Actively participating in
Slide 7: FYE27 Business Strategy – Cost Reduction Through Operational Efficiency
FYE27 Business Strategy – Cost Reduction Through Operational Efficiency Launched AI Powered Robotic Outbound Calls For Collection Activity AI Voice Bot PRODUCTIVITY EFFICIENCY & SPEED MANPOWER EFFICIENCY OPERATIONAL EFFICIENCY ▪ Operates during ▪ Fixed cost based on ▪ No additional ▪ Removes relianc
Slide 8: FYE27 Business Strategy - Establishment of Data & AI Centre of Excellence
FYE27 Business Strategy - Establishment of Data & AI Centre of Excellence Accelerating AI adoption through governance, talent and data platforms ✓ Responsible AI deployment ✓ Strong risk oversight ✓ Trusted data management Governance ✓ Clear AI roadmap Strategy Talent ✓ Build future-ready workforce
Slide 9: FYE27 Business Strategy – Building A Group Collaboration Framework
FYE27 Business Strategy – Building A Group Collaboration Framework Enabling Group Collaboration through AEON360 AEON360 is a loyalty and engagement company that powers AEON360 FYE2027 Strategy the unified AEON rewards ecosystem. It connects customers, partners, and businesses through data insights,
Slide 10: FYE27 Business Strategy – Development of Talent Management
FYE27 Business Strategy – Development of Talent Management Building a credible employer brand with future ready talent pipeline Talent Development Programmes University Strategic Partnerships Young Talent Development Programme: ▪ Completed expansion University strategic partnerships with Xiamen Univ
Slide 11: FYE27 AEON Bank
FYE27 AEON Bank Steady progress in financing customer acquisition, deposit growth, and ecosystem integration, which will support long-term value creation for AEON Group FINANCIAL PERFORMANCE HIGHLIGHTS FYE26 FYE27 YoY% Personal Banking Business Banking RM mil Q1 Q1 Total Income 2.6 6.0 157.7% > 60%
Slide 12: Q1 FYE27 AEON Bank Updates
Q1 FYE27 AEON Bank Updates Key achievements for Personal Banking and Business banking AEON Bank Business Banking AEON Bank Personal Banking JomPay was launched to public on 5th Mar 2026 Merchant QR Campaign launched on 14th May 2026 BB Financing launched to public on 25th June with 2 products i.e. T
Slide 13: Corporate Social Responsibilities Key Activities in Q1FYE27
Corporate Social Responsibilities Key Activities in Q1FYE27 Empowering communities through on-going engagements and environmental conservation Malaysia AEON Foundation Environmental & Social Inclusion Initiatives 100 children from low-income families in Wangsa Maju and 125 blood pints donated 400 SI
Slide 14: Financial Review
FINANCIAL REVIEW EE
Slide 15: Q1FYE27 Financial Performance
Q1FYE27 Financial Performance • Total Income grew by 7.6%, mainly driven by higher sales and receivables, which rose 4.6% and 9.8% YoY respectively • Operating expenses (excluding IL) increased in line with higher sales and revenue-generating activities. • Impairment loss of RM236.1 mil was 3% highe
Slide 16: Profit and Loss and Cost-to-Income Ratio (CIR)
Profit and Loss and Cost-to-Income Ratio (CIR) Continued discipline in operating cost control through digitalisation initiatives (RM mil) CIR Trend 3.1 6.7 63.0% 49.7 3.6 5.6 56.2% 60.3% 13.3 47.7% IL Q1FYE2026: RM236.1 Mil 1.8 6.0 IL Q1FYE2027: RM229.4 Mil 93.4 28.5% 27.8% 28.3% 26.7% 77.5 Q1 Q1 Q4
Slide 17: Total Transaction & Financing Volume
Total Transaction & Financing Volume Robust growth YoY driven by Payment Business Total Transaction & Financing Volume (RM mil) Transaction & Volume by Types Easy Payment Payment Business Personal Financing 44.9% 43.6% Q1 Q1 1,010 1,025 FYE26 FYE27 921 777 772 583 555 29.2% 32.8% 656 516 25.9% 23.6%
Slide 18: Total Gross Financing Receivables
Total Gross Financing Receivables Sustained momentum with growth across key products – 2.2% QoQ and 9.8 YoY expansion Continued Focus on M40 segment and premium products Gross Financing Receivables (RM mil) Gross Financing Receivables by Types Easy Payment Payment Business Personal Financing 61.2% 6
Slide 19: Asset Quality
Asset Quality Introduced AI Voice Bot for low-risk customers enhancing collection activity • Q1 FYE2027 collection ratios from D0 to Receivable Collection Ratio (%) Non-Performing Loan (%) D2 improved compared with Q1 FYE2026 despite collection challenges in May arising from the shift in government
Slide 20: Asset Quality (Con’t)
Asset Quality (Con’t) Loan loss coverage ratio at 195%, reflecting prudent provisions Net Credit Cost (NCC) Impairment Loss (IL) Analysis 6.38% 217% 195% 195% • Impairment loss increased to RM236 5.48% 5.94% 12 million in Q1 FYE2027. 4.64% 37 4.98% • Q1 FYE2027 write off increased to 4.12% RM224 mil
Slide 21: Appendices
APPENDICES EE
Slide 22: Performance Highlights
Performance Highlights Q1 Q4 Q1 (RM mil) QoQ YoY FYE26 FYE26 FYE27 Total Transaction & Financing Volume 2,248.9 2,213.5 2,352.3 6.3% 4.6% Easy Payment Financing 1,010.1 920.7 1,025.1 11.3% 1.5% Payment Business 655.8 776.8 772.0 -0.6% 17.7% Personal Financing 583.0 516.0 555.2 7.6% -4.8% Total Incom
Slide 23: Financial Summary
Financial Summary Q1 Q4 Q1 (RM mil) QoQ YoY FYE26 FYE26 FYE27 Easy Payment Financing 9,028.0 9,583.9 9,829.2 2.6% 8.9% Payment Business 987.8 1,119.3 1,126.6 0.7% 14.1% Personal Financing 4,615.7 5,021.3 5,113.0 1.8% 10.8% Total Financing Receivables 14,631.5 15,724.5 16,068.8 2.2% 9.8% Impairment L
Slide 24: Operating Income
Operating Income Q1 Q4 Q1 (RM mil) QoQ YoY FYE26 FYE26 FYE27 Easy Payment Financing 334.0 344.9 356.8 3.5% 6.8% Payment Business 55.3 63.1 61.2 -2.9% 10.8% Personal Financing 206.5 219.7 225.7 2.7% 9.3% Brokerage Fee* 4.1 3.8 3.9 2.6% -4.9% Total Revenue 599.9 631.5 647.6 2.6% 7.9% Other Operating I
Slide 25: Total Expenses
Total Expenses Q1 Q4 Q1 (RM mil) QoQ YoY FYE26 FYE26 FYE27 Impairment Loss on Receivables 229.4 132.8 236.2 77.8% 2.9% Personnel Expenses 68.4 79.8 71.9 -9.9% 5.2% Advertising & Promotion (A&P) 16.0 14.0 12.9 -7.8% -19.1% Other Operating Expenses 97.4 99.3 103.0 3.7% 5.7% Operating Expenses 411.2 32
Slide 26: Financial Indicators
Financial Indicators FYE24 FYE25 FYE26 Q1FYE26 Q1FYE27 PBT (RM mil) 565.2 513.5 537.4 109.0 130.9 PAT (RM mil) 424.0 370.6 383.2 77.5 93.4 Weighted average no. of ordinary shares 510.6** 510.6** 510.6** 510.6** 510.6** (mil) Basic EPS (RM)* 0.81 0.73 0.76 0.61 0.75 NTA per share (RM)* 5.2 5.5 6.0 5.
Slide 27: Disclaimer
Disclaimer This document has been prepared by AEON Credit Service (M) Berhad (“AEON Credit” or the “Group”) solely for the use at the presentation to analyst, fund managers and investors. The information contained in this document has not been independently verified. No representation or warranty, w
Slide 28: Thank You
THANK YOU Mr Ajith A/L Jayaram Ms Lee Siew Tee Investor Relations Team Chief Strategy Officer Chief Financial Officer [email protected] [email protected] [email protected] Level 18, UOA Corporate Tower, www.aeoncredit.com.my Avenue 10, The Vertical, Bangsar South City, 03-2772 90
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