Consolidated Business Scale and Results
 Steady expansion on a consolidated basis to 38.16 million cardholders and ¥4,111.5 billion in finance receivables
 Increase in installment sales finance in Japan and allowance for doubtful accounts in Thailand based on forecast levels

Results for the First Half of Fiscal Year 2016

1Q

Business Scale

AEON Financial Service

Results

Number of cardholders,consolidated
Domestic

Results

Change from start of FY

37.73 million+510 thousand

38.16 million+940 thousand

26.20 million+320 thousand

26.44 million+560 thousand

AEON Bank accounts
Finance receivables

First Half Total

Change from start of FY

5.09 million+160 thousand

5.25 million+320 thousand¥4,005.4 billion+¥147.8 billion¥4,111.5 billion+¥253.8 billion

AEONFinancialServiceCo.,Ltd.
㻝㻽

Results by Area

YoY

Results

Ordinary income¥90.4 billion+6%¥90.5 billion+3% ¥180.9 billion+4%-¥1.1 billion

Ordinary expenses¥76.7 billion+5%¥76.8 billion+3% ¥153.5 billion+4%-¥0.5 billion

Ordinary profit¥13.7 billion+9%¥13.6 billion+3%¥27.4 billion+6%-¥0.6 billion

Profit attributable toowners of the parent¥8.9 billion+25%¥8.0 billion+16%¥17.0 billion+21%+¥2.0 billion(Billions of yen)
Ordinary income

FY 2016
2Q
YoY

Credit businessFirst Half Total
YoY

Ordinary profit
Ordinary profit ratio (%)

YoY

62.6

+14%

64.1

+13%

126.7

+13%

69%

+4%

70䠂

+6%

69%

+5%

28.4

-7%

27.3

-14%

55.7

-11%

31%

-4%

30%

-6%

31%

-5%

8.7

+27%

9.4

+24%

18.2

+25%

61%

+6%

64%

+7%

62%

+6%

5.4

-6%

4.8

-14%

10.2

-10%

39%

-6%

36%

-7%

38%

-6%

Ordinary income

Banking business

Ordinary profit
Ordinary profit ratio (%)

Overseas
Share ofconsolidated

Domestic

Ordinary income

Overseas business

Ordinary profit
Ordinary profit ratio (%)

Ordinary income

Fee business, etc.

Ordinary profit
Ordinary profit ratio (%)

Ordinary
profitShare ofconsolidated

Overseas
Share ofconsolidated

Difference fromforecast

YoYResults by Segment

1Q

Ordinary
incomeResults¥29

͸(Billions of yen)

Share ofconsolidated

YoY$(21)LQDQFLDO6HUYLFH&R/WG

 In Japan, housing loan transactions grew and ordinary deposits increased due to the effects of negative interest rates
 Overseas, exchange rates were in line with expectations. We tightened credit and shifted to product sales receivables

Domestic㻲㼕㼞㼟㼠㻌㻴㼍㼘㼒 㼀㼛㼠㼍㼘Results

Interim Dividends$(21)LQDQFLDO6HUYLFH&R/WG

㻞㻽

Consolidated
Results

Ordinary income

Adjustment
Ordinary profit
Ordinary income

Total*Results before inter-segment eliminations$(21)LQDQFLDO6HUYLFH&R/WG

Ordinary profit
Ordinary profit ratio (%)

$(21)LQDQFLDO6HUYLFH&R/WG

1Q
Results

39.6
7.7(19.6%)

2Q
YoY

+6%
-7%

Results

43.9
9.5

First Half Total
YoY

+15%
+13%

Results

83.6
17.3

YoY

+10%
+3%

(-2.7%)(21.7%)(-0.4%)(20.7%)(-1.5%)

14.6 +26%
1.6 +675%(11.4%)(+9.6%)

12.2
-0.6

+19%
-

26.9
1.0

+23%
䠇1.2

28.4
5.4

-7%
-5%

27.3
4.8

-14%
-14%

55.7
10.2

-10%
-10%

(-)

(-)

(-)

(-)

(19.0%)(+0.4%)(17.9%)

䠄-0.0%)

䠄18.5%)

䠄+0.2%)

13.0
0.8

+12%
+1%
(-0.7%)

13.6
1.0(7.9%)+9%+1%(-0.6%)

26.7
1.9

䠄7.2%)+10%+1%(-0.7%)

-5.3
-1.9
90.4
13.7

+6%
+9%

-6.6
-1.2
90.5
13.6

+3%
+3%

-12.0
-3.1
180.9
27.4

+4%
+6%

(6.6%)(15.2%)(+0.5%)(15.1%)(+0.0%)(15.2%)(+0.3%)


Consolidated Balance Sheets

Purpose of Capital Increase(Billions of yen)

Change from startof fiscal year

Results

543.0

+98.2

Deposits㻞㻘㻟㻢㻜㻚㻞

㻗㻞㻜㻣㻚㻞

1,736.9+62.9Interest-bearing debt

㻣㻟㻣㻚㻟

㻙㻞㻟㻚㻟

1,508.6+72.9

Domestic

㻟㻣㻠㻚㻤

㻙㻤㻚㻥

Cash and deposits
Loans and bills discounted

Change from startof fiscal year

Results

Domestic Enhance investment in systems to respond to the rapid advance of digitalization and to improve productivity
 Promote further growth by raising funds through stock and convertible bonds to supplement the capital allowance

External
Environment

Company Issues

Investment insystem (IT)¥100 billion

Duplication of work
Rapid digitalization

Cash advances andconsumer loans

492.5

+25.1

233.3

Overseas
Accounts receivable –installment

-9.9

㻟㻢㻞㻚㻠

Overseas
Provision for loss oninterest repayment

㻙㻝㻠㻚㻠

㻞㻚㻝

㻙㻞㻚㻜

㻝㻡㻟㻚㻡

㻙㻞㻜㻚㻜

System standardization

Changes in demographic
trendsLabor productivity

1,104.5+82.1

Accounts payable – trade andother liabilities

Customers’ liabilities for
acceptance and guarantees

157.6

-15.8

Acceptances andguarantees

㻝㻡㻣㻚㻢

㻙㻝㻡㻚㻤

Schedule for Total Investment in System

Allowance for doubtful
accounts

-50.1

-0.6

Total liabilities㻟㻘㻡㻡㻡㻚㻥

㻙㻝㻡㻝㻚㻞

FY 2017

FY 2018

FY 2019

Securities and other assets

437.2

-43.0

Total net assets

㻟㻣㻟㻚㻣

㻗㻟㻞㻚㻠

Investment¥40 billion¥30 billion¥30 billion

3,929.3+183.7

Total liabilities and net assets㻟㻘㻥㻞㻥㻚㻟

㻗㻝㻤㻟㻚㻣
Depreciation

7.3%-0.8%*

Shareholders’ equity ratio[domestic standard]

8.3%

+0.9%

¥8 billion¥14 billion¥20 billion

Total assets

Interest rate spread*Change from previous fiscal year$(21)LQDQFLDO6HUYLFH&R/WG

Increasing Labor Productivity by Investing in System (IT)Changes in the Last 10 Years

Finance receivables

607

203.7

Yield

20%

30%

Bank

38.4
(12.1, 26.3)

20.1(6.0, 14.1)

31.7

9.3

Ordinary profit

Index of Change in Values (FY 2015 = 1)

FY 2015
Overseas(Personnel expenses,
bad debt allowance) Improve the productivity of capital through measures such as shifting our receivables portfolio to focus on returns
 Maintain the shareholders’ equity ratio at around 8% by increasing shareholders’ equity and decreasing risk assets(Billions of yen)

FY 2006
Japan

Japan

Overseas

3,214.10

452.5

Hire purchase

6%

25%

Insurance
agencyMortgage bank

41.2
(28.3, 12.9)

49.5(18.2, 31.2)

Short-term, smallamount insurance

Leasing

35.3

24

M&A

㻝㻚㻞

Shareholders’ equity ratio
ROE

㻝㻚㻝

Consolidated 59.3

Consolidated 41.0Capital Policy䠉䠉Shareholders’ Equity Ratio

 In Japan, overcame falling yields resulting from legal changes through cost improvements and business expansion through M&A,
etc.
 Increase productivity through investment in system (IT) and improve costs, primarily overseas

Total$(21)LQDQFLDO6HUYLFH&R/WG

EPS

㻝㻚㻜

*Personnel expenses and bad debt allowance areexpensesrelatedtofinancereceivables

MainInvestments

Investment
Areas
Domestic

Overseas

70䠂

30䠂
䠂

$(21)LQDQFLDO6HUYLFH&R/WG

Research of newtechnologies

Make practical use of AI, authentication functions,blockchain technology and other technologies

Strengthening of analysis
functions

Use AI in data analysis to raise the accuracy of
screening, receivables management andpromotions

Standardization of systems(IT)

Develop a foundation for providing services by
unifying domestic and overseas systems

Capital increase㻜㻚㻥Conversion of convertible bonds

Securitization / Obtain ratings on beneficiary interests held at time of securitization(decrease risk assets)

㻜㻚㻤
㻓㻝㻡

㻓㻝㻢

㻓㻝㻣

㻓㻝㻤

(FY)

Securitize receivables to adjust the duration of finance receivables and capital procured$(21)LQDQFLDO6HUYLFH&R/WG

Forecast of Results for FY 2016
 Net income per share of ¥171.56 (start of fiscal year: ¥186.19) due to capital increase

Forecast of Results
Results

YoY

Ordinary income¥380 billion+6䠂

Ordinary profit¥63 billion+6䠂

Net income attributable toowners of the parent¥37 billion+3䠂

Net income per share¥171.56-5䠂

Year EndInterimResultDividend forecast

YoY

¥29

Forecast+¥1

Full Year

YoY

¥39

Forecast

+¥1

¥68

YoY

Key Initiatives for FY 2016

Payout Ratio
Forecast

YoY

39.6%

+3.1%

+¥2

$(21)LQDQFLDO6HUYLFH&R/WG䠉Improvement of Screening and Collection Efficiency䠉

Application & screeningCollections

Effects

Delinquent loans

Numerical
valuesAnalysisStarted payment service with Apple Pay in October
Addition of payment function to smartphone app (AEON Wallet), virtualization of credit cards
Will also roll out these operations in Asia to provide common services between Japan and overseas

Virtual cards

Application

䞉Increase in transaction volume䞉Refined screening䞉Increased collection rate
䞉Reduced collection costs䠉Initiatives for Cardless Operations䠉 Streamline administration of receivables, improve collection costs and expand income opportunities
 Provide feedback on results of delinquency analysis to screening, collections and other areas and refine screening

Affiliated merchant development$(21)LQDQFLDO6HUYLFH&R/WG

Introduce
Japanese
structureoverseas byadjusting it tosuit area
characteristics

FunctionsPayment

Immediateuse䞉Coupon delivery
䞉Event informationdelivery䞉Point management

ActionLaunch of AI analysis
Receivables Management
System䞉Scoring
䞉Collection forecasting$(21)LQDQFLDO6HUYLFH&R/WG

Voice Data Mining

Roll out cashless and cardless operations overseas

䞉Analysis of behavioral effects
䞉Analysis of negotiations

$(21)LQDQFLDO6HUYLFH&R/WG䠉Initiatives to Increase Card Transaction Volume䠉䠉Promotion of Card Use䠉Strengthened services and benefits in response to changes in household consumption and developed new affiliated merchants
Launched a rent payment service in September. Will promote use of our services in household consumption

Annual household consumption of our cardholders 䠙Approx. ¥100 trillion
Culture &entertainment

Food
Transportation &communications

Composition ofhouseholdconsumption

㻝㻢䠂

㻞㻠䠂

Health &medical care

Education

Utilities

Expansion of Cashless Sales Ratio
Store Sales Composition

Other

AEON Card䠇WAON㻢㻣䠂 㻢䠂 㻠 㻠 㻟㻝㻜䠂Active Cardholders

Housing

Furniture

Clothing

 Enhanced AEON Card point benefits starting in June (double points when used at AEON Group stores) Increased the activity rate by expanding the AEON Group’s share of sales

㻞㻜䠂

䠂

䠂䠂 䠂

Cash

㻢㻜㻑

(Million
people)㻝㻤

Number of active cardholders㻺㼡㼙㼎㼑㼞㻌㼛㼒㻌㼍㼏㼠㼕㼢㼑㻌㼏㼍㼞㼐㼔㼛㼘㼐㼑㼞㼟
Annual activity rate㻭㼚㼚㼡㼍㼘㻌㼍㼏㼠㼕㼢㼕㼠㼥㻌㼞㼍㼠㼑㻢㻢㻚㻤㻑㻢㻢㻚㻡㻑 㻢㻢㻚㻠㻑 㻢㻢㻚㻣㻑

㻝㻣
㻝㻢

㻡㻜㻑

㻝㻡㻚㻞㻡㻌

㻝㻡㻚㻡㻢㻌

㻝㻡㻚㻥㻟㻌

㻝㻢㻚㻟㻣㻌 㻢㻢㻑㻢㻠㻑㻝㻡Composition ofcard use

㻝㻟䠂

㻟㻡䠂

㻡䠂 㻠

䠂

㻟

㻝㻢䠂

䠂

㻝䠂

㻝㻠

㻠㻜㻑

㻞㻟䠂

㻢㻞㻑

㻝㻟

㻜䠂

㻟㻜㻑
㻜㻑

Our annual transaction volume = Approx. ¥5 trillion㻝㻞㻝㻴㻌㻲㼅㻌㻓㻝㻠1H
FY 䇻14㻝㻴㻌㻲㼅㻌㻓㻝㻡1H
FY 䇻15*Store sales are for AEON retail stores㻝㻴㻌㻲㼅㻌㻓㻝㻢
1H FY 䇻16㻹㼍㼞㻚㻌㻟㻝 㻿㼑㼜㼠㻚㻌㻟㻜 㻹㼍㼞㻚㻌㻟㻝 㻿㼑㼜㼠㻚㻌㻟㻜

2015

㻢㻜㻑

2016

Source: Statistics Bureau, Ministry of General Affairs and Communications, 2015 Survey of Household Economy$(21)LQDQFLDO6HUYLFH&R/WG

$(21)LQDQFLDO6HUYLFH&R/WG䠉Strategy in Greater Tokyo䠉 Strengthened cardholder sign-ups at AEON Group stores (consigned sign-ups using tablets)
 Database-driven sales promotion and expansion of touch points (In Store Branches, ATMs)

Enhancement of card
and account sign-ups

Expansion of affiliatedmerchants• Use of tablets to simplify signups• Consignment of sign-ups at
small stores• Enhancement of point benefits• Support for sales promotion(customer referral) usingpurchasing data

Expand share starting with Jonanarea (south Tokyo)
AEON Itabashi

Johoku(north Tokyo)Joto(east Tokyo)

Promotion of omnichannel strategy• Web-based completion oftransactions• Use of database marketing

Become main
account
and card

Expansion oftouch points• Strategic installment ofATMs• Store openings in Jonan
area

Josai
(west
Tokyo)
Jonan(south Tokyo)

Future Direction

AEON Minamisuna

AEON Kasai
AEON Shinonome
Shopping Center

AEON Style
Himonya$(21)LQDQFLDO6HUYLFH&R/WGToshin(centralTokyo)AEON Shinagawa
Seaside$(21)LQDQFLDO6HUYLFH&R/WG

Standardization 䠉Development of Global Services䠉Japan: Respond to the external environment(legal changes) by expanding and enhancing the
products we handle
Credit cards

E-money

Our Vision 䠉Integrate Common Functions to Reinforce Financial Service Capabilities 䠉

CurrentእᅜOverseas: Start with installment sales finance,

Database+AIacquire licenses and issue credit cards

Debit cards

Installment
sales finance

Loans

Credit cards

Customers’
DemandPotential Market

Use ofattribute
information(26.44 million people 㽢 ¥315,000/month 㽢 12 months 䠙 ¥ 100 trillion㻕
Number of active members in Japan: 26.44 million
Current transaction volume: ¥5 trillion

Expenditure

Borrowing

SavingAssetmanagement

FutureExamples of
Cooperation
with Vendors

Japan and Overseas䠖Customers freely choose products

Customers(Individual)

Securitization(Investment)• Improved returns• Cost reduction

Pointsearned by using
credit cards

Deposits

Preparation
for the future

Assetmanagement

Capitalprocurement
The
Company

Sales
Insurance

Reduction ininsurance premium

Integration of
Functions

Investment

Memberorganization

Loans & lease

Insurance[Vendors]

Investment
trustsTrustsOther banks

Insurance companies

Brokerage houses

Trust banks

Bank branches/Websites and call centers

Channels

Integrated business partner management and sharing of customers
Feedback to channels and business partners$(21)LQDQFLDO6HUYLFH&R/WG

Reflect in product design$(21)LQDQFLDO6HUYLFH&R/WGExternal Environment of Hong KongEconomic growth in China is weakening, which has led to a slowdown in Hong Kong’s economy.
The number of visitors from China has decreased, causing spending on lifestyle-related goods such as groceries and daily
essentials to bottom out.

㻝㻴 㻲㼅㻌㻞㻜㻝㻡

Initiatives in Hong Kong

GDP Growth Rate of China

+7.0%

+6.7%

GDP Growth Rate of Hong Kong

+3.1%

+1.7%

7.30 million

7.34 million

29.33 million

27.16 million

22.85 million

20.42 million-1.6%-10.5%

Food

+7.9%

+1.2%

Supermarkets

+1.1%

+1.0%

3.2%

3.4%

Population of Hong Kong
Total visitors to Hong Kong (Jan.-June)

Visitors from China
Hong Kong retail sales growth rate

Unemployment rate in Hong Kong$(21)LQDQFLDO6HUYLFH&R/WG㻝㻴 㻲㼅㻌㻞㻜㻝㻢$(21)LQDQFLDO6HUYLFH&R/WGFiscal 2016 Initiatives

Finance Receivables Portfolio (ACS Asia, Consolidated) Bad debt allowance as a percentage of operating income
1H FY 2014: 25.5% э 1H FY 2015: 24.0% э 1H FY 2016: 23.1%

1H FY 2014

䠍䠊Control the bad debt allowance and increase the quality offinance receivables

Results

Creditcards

䠎䠊Improve productivity by promoting digitalization
Personalloans

䠏䠊Improve convenience and increase customer satisfaction
ACS Asia

Percentage offinancereceivables(Millions of HK dollars)

1H FY 2015
ResultsYoY

1H FY 2016

Percentage offinancereceivables

Results

YoY

Percentage offinancereceivables

Finance receivables

3,501

䠉

3,508

+0%

䠉

3,584

+2%

䠉

Transaction volume

3,321

䠉

3,584

+8%

䠉

3,660

+2%

䠉

401 11.5%

Operating income

396-1% 11.3%

383-3% 10.7%

Bad debt allowance

86

2.5%

77

-10%

2.2%

75

-3%

2.1%

Finance receivables

1,815

䠉

1,740

-4%

䠉

1,613

-7%

䠉

Transaction volume

692

䠉

759

+10%

䠉

691

-9%

䠉

Operating income

186 10.2%

179-4% 10.3%

172-4% 10.7%

Bad debt allowance

82

4.5%

82

+0%

4.7%

73

-11%

4.5%

Finance receivables

5,316

䠉

5,248

-1%

䠉

5,198

-1%

䠉

Transaction volume

4,097

䠉

4,397

+7%

䠉

4,389

+0%

䠉

Consolidated
Operating income
total*
Bad debt allowance

659 12.4%

662+0% 12.6%

638-4% 12.3%

168

159

-5%

148

-7%

3.2%

3.0%

2.8%

* Includes insurance business and other income (income from collection of written-off claims, etc.)$(21)LQDQFLDO6HUYLFH&R/WG

Cost Reduction (ACS Asia, Consolidated)$(21)LQDQFLDO6HUYLFH&R/WG

Initiatives to Increase Number of Cards Issued and Expand Share Advertising expenses: 33% decrease ( YoY) я Transaction volume: 0% increase ( YoY)

Will expand AEON Card immediate issuance service to four brands with the addition of VISA, MasterCard and JCB brands tothe existing UnionPay brand Bad debt allowance: 7% decrease ( YoY) я Finance receivables: 2% increase ( YoY) Personnel expenses: 14% decrease ( YoY) я Operating income: 4% decrease ( YoY)
Personnel expenses as a percentage of operating income 1H FY 2015: 14.2% э 1H FY 2016: 12.7%(Millions of HK dollars)

ACS Asia
Consolidated

FY 2014 1H
ResultsYoY

FY 2015 1H
ResultsYoY

FY 2016 1H
Results

YoY

ChangeTransaction volume

4,097

+6%

4,397

+7%

4,389

+0%

Operating income

659

+12%

662

+0%

638

-4%

-24

Operating expenses

482

+14%

515

+7%

467

-9%

-48

Advertising

35

-5%

41

+16%

27

-33%

-13

Bad debt
allowance

168

+24%

159

-5%

148

-7%

-11

Personnel
Other

Operating profit

䠉

78

+20%

94

+20%

81

-14%

-13

200

+8%

221

+10%

212

-4%

-9

177

+6%

147

-17%

171

+16%

+24

$(21)LQDQFLDO6HUYLFH&R/WG

Launched immediate issuance service in
FY 2012

Will expand this service to four brands in 2H FY 2016

Increase in card applications
Can be used from thesame dayIncrease in card activity rate$(21)LQDQFLDO6HUYLFH&R/WG

Initiatives to Expand Card Transaction Volume 䐟Initiatives to Expand Card Transaction Volume 䐠 870,000 visitors from Hong Kong to Japan in Jan.-June 2016,up 25% over the same period a year earlier
э Capturing overseas consumption, mainly from use in Japan

Implement plans exclusively for cardholders based on the concept of “Extraordinary experiences with everyday use”
Increase cardholder loyalty

Summer Royal Caribbean Cruise Plan

Autumn Hong Kong Ocean Park Halloween Plan

Card Shopping Overseas Transaction Volume(Millions of HK dollars)

400
350

UseinChinaandotheroverseascountries
UseinJapan

Total
125䠂

186

300
Total
153䠂
䠂

250

160

200
150

121䠂

132

149

100

107

50
Ͳ



New Concept Branch

42

1H
FY 20152015ᖺୖ༙ᮇ
1HFY201

1H FY 20162016ᖺୖ༙ᮇ

$(21)LQDQFLDO6HUYLFH&R/WG

Future Initiatives
 Paperless Operation
Eliminate paper application forms and issue cards immediately in store or online
Reduce postage costs and risk of loss of application forms

 Renewal of in-store branches in AEON Stores (Hong Kong) based on new concept
э Kornhill branch (June), Whampoa branch (September)Previous store style

139䠂

255䠂

1H FY 20142014ᖺୖ༙ᮇ
$(21)LQDQFLDO6HUYLFH&R/WG

116䠂

New concept
Form
input

Delivery and scanningof application forms

Data input

Automatic
screening

Cardembossing

Form
input

Delivery and scanningof application forms

Data input

Automatic
screening

Cardembossing

AEON Stores (Hong Kong) Kornhill branch Mobile Payment

Payment app and virtual card (issuance of card to smartphone)

AEON Stores (Hong Kong) Whampoa branch$(21)LQDQFLDO6HUYLFH&R/WG

$(21)LQDQFLDO6HUYLFH&R/WG

(Reference) 1H FY 2016 Results (Hong Kong, Thailand, Malaysia)㻝㻴 㻲㼅㻞㻜㻝㻡AEON
CREDITSERVICE(ASIA)(HK$ ‘000)

AEON
THANA
SINSAP(THAILAND)(BAHT ‘000)

AEON
CREDITSERVICE(M) Berhad(RM$ ‘000)

Revenue
Operating income
Profit before tax
Profit for the period
attributable to:
Owners of the Company(Reference) FY 2016 1H Results (Hong Kong, Thailand, Malaysia)
䕔 Consolidated Results of AEON Credit Service (Asia) Co., Ltd.

㻝㻴 㻲㼅㻞㻜㻝㻢

1H FY 2015

ResultYOY

ResultYOY

628,960
587,366
146,887

-1%
+0%
-13%

606,598
563,935
185,576

-4%
-4%
+26%

119,748-12%

152,142

Results

8,565,263-1%

8,776,334+2%

1,569,730-1%

1,376,390-13%

1,256,167-1%

1,097,266-13%

530,766+15%

Profit for the period

461,162

-

9.1

-11%

2.2

2.6

+17%

Net income

1.8

2.2

+18%

䕔 Consolidated Results of AEON THANA SINSAP (THAILAND) PLC.

(Billions of yen)

1H FY 2015

Results

YoY

Ordinary income

31.0

27.0

-13%

Ordinary profit

5.6

4.2

-26%

Net income

4.5

3.3

-26%

䕔 Results of AEON Credit Service (M) Berhad

Fiscal period
䞉2015䠖 Feb. 21-Aug. 20
䞉2016䠖 Mar. 1-Aug. 31(Billions of yen)

1H FY 2015

Exchange rates: MYR 1
䞉1H 2015䠖 ¥32.43
䞉1H 2016䠖 ¥26.89

1H FY 2016

Results

Results

YoY+64%

Ordinary income

16.3

15.6

140,538-

157,291+11%

Ordinary profit

4.3

4.0

-6%

106,727-

117,921+10%

Net income

3.2

2.9

-7%

-4%
Fiscal period
䞉2015䠖 Mar. 1-Aug. 31
䞉2016䠖 Mar. 1-Aug. 31

Note: Results for fiscal 2015 have been retroactively adjusted.

䕔 Allowance for Doubtful Accounts (by Segment)
Banking

Fiscal period
䞉2015䠖Mar. 1-Aug. 31
䞉2016䠖Mar. 1-Aug. 31

Exchange rates: THB 1
䞉1H 2015: ¥3.63
䞉1H 2016: ¥3.08

1H FY 2016

Results

253,877(Reference) Allowance for Doubtful Accounts and Allowance for Loss on
Refund of Interest Received by Segment$(21)LQDQFLDO6HUYLFH&R/WG

(Reference) FY 2016 Business Plan (Domestic)(Billions of yen)Overseas

Fee

FY 2016 1H

Total

Allowance for doubtful accounts,
beginning of period

27.5

3.2

15.0

4.2

49.4

Provision of allowance for doubtful
accounts

8.0

-0.0

14.6

0.7

23.4

Write-off of doubtful accounts(including transferred debt)

6.9

0.1

15.0

0.5

22.7

28.6

3.0

14.6

4.4

50.1

Results
Number of cardholders

䕔 Allowance for Loss on Refund of Interest Received

FY 2016

Change from startof fiscal year

+0.56 million

YoY

Plan
27.40 million

Plan

Change from startof fiscal year

+1.52 million

YoY

Card shopping transaction volume¥2,167.0 billion+8.8%¥4,430.0 billion+7.9%

E-money transaction volume¥1,090.8 billion+5.9%¥2,250.0 billion+5.6%

Results(Billions of yen)

FY 2015 1H

26.44 million

Results(Domestic subsidiaries) AEON Bank: ¥3.0 billion, AEON Product Finance: ¥4.1 billion, AEON Housing Loan Service: ¥1.2 billion

Change from startof fiscal year

Plan

Change from startof fiscal year

FY 2016 1H

Allowance for loss on refund of interest received,
beginning of period

4.8

4.2

Provision for loss on refund of interest received

0.0

0.0

Interest refunded(Sums refunded and appropriation of interest to principal)

1.9

2.0

Allowance for loss on refund of interest received, end of
period2.9

2.1$(21)LQDQFLDO6HUYLFH&R/WG

10.3

Ordinary profit-$(21)LQDQFLDO6HUYLFH&R/WG

Allowance for doubtful accounts,
end of period

Exchange rates: HKD 1
䞉1H 2015: ¥15.66
䞉1H 2016䠖 ¥13.98

YoY

218,032

Source: Data released by each company. Figures for Hong Kong and Thailand are consolidated.

CreditResults

Ordinary income+27%

Total revenues
Income before
income tax expense
Net profit for theperiodRevenue
Profit fromoperations
Profit before taxation(Billions of yen)

1H FY 2016

Balance of cash advances¥422.3 billion+¥16.8 billion¥433.0 billion+¥27.5 billion

Balance of small consumer loans¥70.2 billion+¥8.4 billion¥85.0 billion+¥23.2 billion¥492.5 billion+¥25.1 billion¥518.0 billion+¥50.6 billion

Balance of unsecured loans$(21)LQDQFLDO6HUYLFH&R/WG