AEON Financial Service Co.,Ltd. (8570) Stock Price

Aeon Financial Service, as a member of the Aeon Group, operates a diverse range of businesses centered on financial services. Its main business segments include comprehensive credit purchase arrangements, individual credit purchase arrangements, lending, banking, insurance, electronic money services, and other services.

In comprehensive credit purchase arrangements, the company issues credit cards used by members to purchase products and services at affiliated merchants. Aeon Financial Service advances payment and collects from members through either lump-sum or revolving payments.

Individual credit purchase arrangements involve contracts made on a case-by-case basis without using a credit card, enabling affiliated merchants to offer installment sales to consumers. The company advances payment and collects from customers through either lump-sum or installment payments.

The lending business provides card cash advances and various loan products. Card cash advances are loans available to credit card members through ATMs at partner financial institutions. Various loans are collected from consumers in installments over a maximum of 180 payments based on their loan applications.

The banking business collects deposits through subsidiaries and conducts lending and asset management operations. The insurance business develops and sells life insurance and limited-term insurance products, offering services such as home loans and medical insurance.

The electronic money business holds funds charged by members and settles usage sales to affiliated merchants. Other businesses include bank agency services, debt collection services, call centers, and business outsourcing.

Aeon Financial Service's domestic segments consist of Retail and Solutions, which include Aeon Bank and Aeon Insurance Services. The international segment is divided into the Chinese-speaking region, Mekong region, and Malay region, where the company provides financial services in each area.

Aeon Financial Services aims to achieve sustainable growth and enhance corporate value through financial services. Under the mission of "bringing finance closer," the company provides financial services from a consumer perspective and prioritizes responding to changes in customers' life stages and living environments.

To realize sustainable growth, the company is strengthening revenue generation and improving capital efficiency, targeting a return on equity (ROE) of 10.0%. Through these efforts, the company seeks to improve management metrics and enhance corporate value.

By 2030, Aeon Financial Services aims to become a "community-focused global company bringing finance closer." Leveraging the strengths of the Aeon Group, the company intends to provide financial services that meet diverse customer needs and establish a community-based business model.

In domestic operations, the company is building an "Aeon lifestyle sphere." Through the integration of the electronic money service WAON and the code payment service AEON Pay, the company is expanding its customer base, promoting cross-selling, and delivering community-rooted services.

In international operations, the company operates a digital bank in Malaysia, providing financial services powered by AI technology. In Vietnam, the company has introduced WAON POINT, Aeon Group's common loyalty program, and is strengthening personal loan services.

Aeon Financial Services is advancing credit management through AI utilization and strengthening measures against fraudulent use. These initiatives enable the company to provide safe and secure financial services to customers while improving risk management capabilities.

The company aims to establish a robust governance framework in its rapidly changing business environment. Through advanced risk management and deepened compliance awareness, the company seeks to realize sustainable growth and enhance corporate value.