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Corporate Profile

Business Overview

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Financial Data

Corporate Profile

When was the company established?
On June 20, 1981.
Please explain how AEON CREDIT SERVICE came to be established.
As an early mover in the Japanese credit card industry, a credit project team was launched at Jusco Co., Ltd., (now called Aeon Co., Ltd.) in 1979. As a result of this groundwork on credit card issuance, the Jusco Card was launched in 1980.
To facilitate the growth of the credit card business, a separate company was formed, based on members of the original project team, and Aeon Credit was established in 1981 as Japan Credit Services Co., Ltd.
When did you first list your shares on the over-the-counter market?
Our OTC debut was on December 27, 1994. Our company was listed on the Second Section of the Tokyo Stock Exchange on December 2, 1996, and on the First Section on August 3, 1998.
Where does the name Aeon come from?
Aeon is the Latin word for eternity. We changed our company name on August 21, 1994, reflecting our awareness that we must always answer our customers' needs, and that we will continuously grow and prosper by doing so. In recent years, we have further refined this concept with the slogan "toward a future of limitless promise" - a phrase derived from one of the many linguistic roots of the word AEON. We are committed to helping our customers build their future dreams.
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Business Overview

How many cardholders do you have?
As of February 20,2012,we have 29.76 million cardholders.Of this total,14.51 million were classified as active cardholders (defined as cardholders who have used their credit card within the previous year).
We have been succeeding in increasing the number of cardholders,both in active holders and the whole, by providing services that take in customers' voices,such as AEON CARD SELECT in cooperation with Credit card cash card Electronic money.
How many types of credit card do you issue?
We issue over 50 different credit cards. In addition to our primary credit card, AEON Card, we also provide co-branded cards through alliances with a wide range of partner companies, including general marchandise store (GMS) operators,airline company, railway company and gas station. We offer a rich lineup of credit cards catering to the particular lifestyle needs of each chardholder.
How would you describe your cardholder base?
Most Aeon cardholders sign up at supermarkets. The majority of our customers are women, forming 70% of our cardholder base.
When did you begin to develop your business outside Japan?
We began our overseas expansion in October 1987, when we became the first Japanese credit card company to established a branch office in Hong Kong . Currently , We have local subsidiaries in Hong Kong, Thailand, Malaysia, Taiwan, China,Indonesia,Vietnam and Philippines.
What is the extent of your overseas operations?
Not only establishing local subsidiaries in Hong Kong , Thailand, Malaysia, Taiwan, China(Shenzhen,Beijin,Shenyang), Indonesia,Vietnam, Philippines and Cambodia we also have representative offices in Shanghai and India. In each overseas market, we are engaged in credit card and hire purchase operations serving local consumers. Our operations in Hong kong, Thailand and Malaysia have grown to the stage of gaining listings on local stock exchanges, and also Thailand office launched an insurance agency in February 2005. As of February 20,2011, the number of cardholders outside Japan has reached 8.75 million. For further information, please refer to Overview of operations.
How many consolidated subsidiaries do you have and what lines of business are they in?
We have 25 consolidated subsidiaries, 3 in Japan and 28 overseas. These businesses include insurance operations, servicer operations, hire purchase operations and consumer finance operations. For further information, please refer to Corporate data.
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Shares

On which stock exchange are the shares of AEON CREDIT SERVICE CO., LTD., listed?
Tokyo Stock Exchange, First Section
What is your securities code?
8570
What is the minimum trading unit for AEON CREDIT SERVICE shares?
100 shares
When is your annual shareholder's meeting?
It is held on or before May 20 each year.
How much will the dividend be for the current fiscal year?
We are projecting a dividend of JPY45 per share for the fiscal year ended February 2011(including an interim dividend of JPY20 and a final dividend of JPY25).
Is there a shareholders' benefits program?
Not at this time.
Where should I send address changes and other stock notifications?
Please contact the transfer agent at Mizuho Trust & Banking.
Contact Information:
Transfer Agent, Mizuho Trust & Banking Co., Ltd.
2-8-4 Izumi, Suginami-ku, Tokyo
In which newspaper are your pubilc announcements made?
They are made in business newspapers. Beginning with our 22nd fiscal year(ended February 2003), however, we have posted our corporate balance sheets and earnings statements to this Internet site instead, in accordance with Paragraph 3, Article 16 of the Law for Special Exceptions to the Commercial Code.
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Financial Date

When is your fiscal year-end?
On February 20 each year.
When do you release your earnings results to the public?
Our annual earnings report is published in early April of each year, and the 2Q report in end September or early October
Please provide information on your latest financial results and forecasets.
Our latest financial results can be found in Financial information. For results forecasts, please refer to the Brief reports(tanshin) in the financial data Library.
Please tell me where to find your past results and financial information.
Please refer to Financial information. We provide five years of historical data.
What credit ratings have you received?
As of February 20, 2011 we had received an A+ rating from Japan Credit Rating Agency, Ltd.,(JCR) and an A rating from Rating and Investment Information, Inc., (R&I).
Please provide your annual IR schedule.
Please refer to the Calendar.