【AEONCR 5139 交流专区】永旺信贷

fpkeek

Hi, 想请问关于AEON Credit的Personal Loan和信用卡业务有什么比银行强势的地方？
据我的了解,周遭的朋友们，即使有时常去JayaJusco的，不见得拥有它的信用卡。
Personal Loan方面，它的利率较高，其申请是否较银行有快速方便？
很想知道它之前有何法宝能在其他国家竞争?
谢谢

[ 本帖最后由 fpkeek 于 11-7-2007 05:33 PM 编辑 ]

我最大

不打算申请，还是等上市后看看公司的股价走势如何才决定要不要投资。有许多IPO上市后被抄高，过后大跌。

kenxing1984

是的，不打算申请。。。。。。。。。。它有太多竞争者了。。。。。。。。。。。还是小心好。。。。。。。。。。。。

LJLQ

有打算申请，不过看到Mbfhldg的股价就怕怕

原帖由 LJLQ 于 11-7-2007 08:27 PM 发表
有打算申请，不过看到Mbfhldg的股价就怕怕

MBF是因为华资的关系吧?
AEON是外资，boleh-land的强盗政府应该不会这样猖狂而吓跑外资吧?

Mr.Business

原帖由 fpkeek 于 11-7-2007 05:31 PM 发表
Personal Loan方面，它的利率较高，其申请是否较银行有快速方便？
很想知道它之前有何法宝能在其他国家竞争?

我也不清楚，你可以去以下网站，里面有泰国Aeon Thana Sinsap的过去年报，可以参考看看。
http://www.aeon.co.th/cgi-bin/odb-get.exe?wit_env=AEON&WIT_template=AEON_IR_EN_INFOR_DETAIL&WIT_oid=8KbGoZ1huWSkBK3fPwK2HMqMCe0G5IWH&passnum=1

Mr.Business

Boleh-land的政府对外资是非常友善的，特别是东方来的，你可有听过"Polisi Pandang ke Timur"?

原帖由 Mr.Business 于 12-7-2007 09:45 AM 发表
Boleh-land的政府对外资是非常友善的，特别是东方来的，你可有听过"olisi Pandang ke Timur"?

听过...Polis Pandang ke Belakang...

IPO没有消息吗？

[ 本帖最后由 C.L.Teh 于 15-7-2007 03:49 PM 编辑 ]

Mr.Business

新闻。

Banking competition hots up in Malaysia

July 12 2007

MALAYSIAN banks, flush with cash which needs to generate revenue, have begun aggressively wooing consumers to borrow money in a variety of ways with attractive offers.

A spontaneous consumer lending war has broken out, it seems, among financial institutions, many of which are also credit card issuers, as they seek to outdo one another undercutting on rates and offering unique loan packages.

In recent weeks, more financial institutions have taken out full-page advertisements in the media publicising their offers as the war hots up.

And after a long time, consumers are beginning to be spoilt for choice.

Bankers themselves are divided over whether the trend is healthy, given their belief that the market itself is already overcrowded.

Today's competition among the local players to rope in consumers is defying the fundamentals of banking.

Banks traditionally borrow short (from the money market), lend long and make money from the interest rate spread.

While the lending period generally remains the same, their competition in cutting rates could be detrimental to long-term margins.

Analysts, however, said that while the tough competition has depressed rates, banks are not necessarily on the losing end.

What the banks lose in terms of interest income, they make good by increasing the volume of loans, the analysts said. In short, by making their products cheaper, banks hope to attract more customers and in the end still make net gains.

They added that banks may generally have to absorb some costs only during the first few years after the disbursement of the loans.

"Remember, home loans are usually long tenures, so banks do still make money," said one analyst.

SJ Securities head of research Cheah King Yoong, who analyses the banking industry, said that banks' net interest income would definitely be affected by the rate cuts.

However, as banks these days have more diversified income streams, lower income from loan growth would not be that significant.

He added that the slower loan growth in the first six months of this year, at about five to six per cent compared with double-digit growth last year, has left banks with little choice but to offer attractive rates for loans.

He said the outlook for the banking sector in Malaysia remains good, and expects loan growth to pick up in the second half period, led by loans to small- and medium-scale enterprises and the construction sector.

Bank Muamalat Malaysia Bhd chief executive officer Datuk Abdul Manap Abdul Wahab said competition is good, especially for consumers, but for a smaller bank like his, it is not easy.

"We cannot target the bigger overall general market, so we have to focus on our niche market; and here, we hope that when people look for Islamic home financing, we become their brand of choice," he said when met yesterday.

HSBC Bank Malaysia Bhd general manager (personal financial services) U Chen Hock has a different point of view.

I hope banks are sensible ... not just use prices to gain market share to the detriment of the market because there is a minimum cost of doing business."

He said such competition in a market that is already overcrowded will ultimately depress banks' margins.

Consumers, he added, should not look at merely the interest rate factor as there are others that affect borrowing cost.

HSBC is one bank that has been promoting its Home Smart Package for a few years now, which aims at shortening the cost and loan repayment period by 50 per cent.

What has contributed to this surge of competitiveness apart from the obvious adage, "Competition is part of business"?

High liquidity in the market, high level of funds in the banks, too many mortgage players and increasing number of Islamic banking players have all been cited as some of the key factors.

"Banks need to diversify risks. Consumer lending, compared to the corporate sector, is more attractive due to the increasing consumer wealth and purchasing power, and this offers a new area of growth for banks," said U.

SJ Securities' Cheah said that with banks having too much cash, coupled with high liquidity in the market, bankers must maximise the opportunity by placing out more loans.

He added that this competition was pretty much within the industry's expectation due to the current interest rate environment.

This, he noted, will not have an adverse impact on the outlook for the banking sector, which he expects to remain strong.

"There is really nothing wrong with banks competing to offer the best rates, the best financing package, and customers who are feeling the pinch of inflation should take advantage of this," said another analyst.

Bank Muamalat's Abdul Manap said that with banks advertising their offers of "five per cent interest rate for five years, the time is now to apply for loans, but you've got to read the fine print."

http://www.btimes.com.my/Current ... rets-2.xml/Article/

Mr.Business

相关行业新闻。

馬銀行今年信用卡發卡量
與無現金交易額料增20%       

updated:2007-07-13 11:34:02 MYT

（吉隆坡訊）馬來亞銀行（MAYBANK,1155）期望今年的無現金零售購物交易總額，將取得20%增長，至216億令吉，信用卡發卡量則預計增長18至20%。

該銀行執行副總裁兼卡業務主管阿斯拉夫在信用卡增值服務推介禮後表示，馬銀行截至2007年6月30日止財政年的無現金零售購物交易總額達180億令吉，並寄望現財政年能取得20%增長。

他補充，上述總額分別由旗下的自動提款卡、信用卡和美國運通業務貢獻。

他指出，該銀行目前的自動提款卡發卡量約500萬張，信用卡則為140萬張，並預計今年的信用卡發卡量能增長18至20%。

他補充，目前該行的信用卡呆賬為2.2%，低於領域的3.7%。

提及國家銀行宣佈根據信用卡持有人風險程度調低賒賬率課題上，阿斯拉夫表示，馬銀行正考慮調整本身的賒賬率，但目前還未有最後定案。

國行是在6月杪宣佈，由7月1日起若持卡人連續12個月內準時還賬或至少償還所指定的最低數額，他們就可在1年後享有低於15%的賒賬利率；間中若持卡人在未來12個月內，依時償還至少10次的最低數額，1年後將可享有低於17%的賒賬利率。

針對近來CTOS的個人信貸紀錄系受到各方質疑課題上，他指出，馬銀行並非使用CTOS的個人信貸紀錄系統，而是依據中央信貸資訊系統（CCRIS）。 （星洲日報/財經•2007.07.13）

http://biz.sinchew-i.com/content ... ;artid=200707130135

Mr.Business

新闻：

20-08-2007: AEON Credit to ‘localise’ via listing

KUALA LUMPUR: AEON Credit Service (M) Bhd, which is expected to list on the Main Board of Bursa Malaysia by year-end, believes that "localisation" will strengthen customers’ confidence in the company, its managing director Kuroda Naruhito said.

Following the footsteps of its sister companies in Thailand and Hong Kong, AEON Credit was practising a policy of "localisation" by listing itself on the local stock market, he said.

"We need to show our presence. The listing on the local market has become our business plan. After listing, we become more transparent and consumers will have more confidence in us," Kuroda told The Edge Financial Daily.

Recently, AEON Credit announced that it had received the Securities Commission’s approval for its proposed listing.

Earlier this year, Kuroda was reported as saying that the company was expecting a net profit growth of over 50%, while its revenue would grow from about RM650 million up to RM1 billion for its financial year ending Feb 28, 2008.

Kuroda said he could not reveal details on its proposed listing exercise at the moment.

He added that AEON Credit also could not provide any targets as the company was currently in a "sensitive period" prior to its proposed listing exercise.

The company is believed to have appointed Commerce International Merchant Bankers Bhd as the underwriter for its intial public offering.

Kuroda said AEON Credit was expecting a "positive boost" to its business following the government servants’ salary increase this year and it also wanted to get more customers from rural areas.

"According to our experiences, there are many customers for easy payment schemes in small towns and rural areas," he added.

The non-bank finance company, which is a subsidiary of AEON Credit Service Ltd in Japan, offers products such as easy payment schemes, personal financing and credit cards to Malaysian consumers.

Kuroda said the company now had about 460,000 members, who were entitled to various financial schemes, of which 80,000 were AEON credit card holders and the rest AEON Xpress loyalty cards.

On top of that, AEON Credit also had a database of another 140,000 names of potential customers, he added.

Kuroda said it only launched its credit card business in October 2005 and it would be looking at balanced revenue contributions of 50% each from both segments in the future.

He said the credit card business was its parent company’s core business, which accounted for more than 90% of its revenue.

The credit card business contributes more than 80% and 50% to revenues of its sister companies in Hong Kong and Thailand, respectively. Karudo said Malaysia would follow the trend in Thailand.

To grow its business, AEON Credit also had to acquire more merchants, and it had signed up 5,300 merchants nationwide, Kuroda said.

"Every month, we are developing 30 to 40 new merchants," he added.

Kuroda said merchants that had signed up with AEON included hypermarkets such as Jaya Jusco, Carrefour, Giant and Tesco, and hardware and electronic chain shops such as Seng Heng, Best Denki, Harvey Norman and Onking.

In terms of its network, Kuroda said AEON Credit currently had a total of 25 outlets in every state except Perlis. These outlets served as contact points for customers to apply for loyalty and credit cards, and other financial schemes, he added.

Kuroda said one of the company’s strength was its swift approval process that allowed customers to secure the financing they required in as short as 15 to 30 minutes.

"Five to six years ago, it will take two to three days. Now, it is within one day," he said.

Kuroda highlighted that AEON Credit was still able to maintain an average non-performing loan (NPL) of 2.4%, which was lower than the banking industry’s average, by leveraging on its experiences in other countries.

Beside its know-how in micro financing, the company had brought in the same type of computer system used in Thailand and Hong Kong and followed a credit policy similar to those of banking operations, he said.

http://www.theedgedaily.com/cms/ ... a-d647d800-69726617

Mr.Business

永旺信贷上市隆股　加强本地化提高透明度
二零零七年八月二十一日 晚上七时十二分

（吉隆坡21日讯）预料在年杪上市大马交易所主要交易板的永旺信贷服务（马）有限公司（Aeon Credit Service <M> Bhd）相信‘本地化’将加强客户群对该公司的信心。

其董事经理黑田成人表示，跟随其于泰国和香港姐妹公司的步伐，永旺信贷将透过在本地股市挂牌，落实‘本地化’的策略。

他指出：“我们需要展示我们的存在。在本地股市挂牌已成为我们的商业计划。上市后，我们将更透明化，客户群也将对我们更具信心。”

最近，永旺信贷宣布，其上市建议已获得证券委员会批准。

在今年初，黑田透露，该公司预期可在截至2008年2月28日止的财政年度中，录得逾50%净盈利成长，而其收益也将从约6亿5000万令吉提高到10亿令吉。

不过，黑田表示，目前他并无法公布其建议中上市活动的细节。

他补充，永旺信贷也未能订下任何目标，因现在是其建议中上市活动前的‘敏感期’。

该公司相信已委任联昌国际证券银行为其初次公开售股活动的包销商。

这家非银行金融公司，乃是日本永旺信贷服务有限公司旗下子公司，提供产品包括简易付款计划、个人融资和信用卡予马来西亚客户群。

该公司现拥有约46万名会员，享有各种金融计划，其中8万名是永旺信用卡持有人，而其余则是永旺忠诚卡持有者。

除此之外，永旺信贷也拥有其他14万名潜在客户。

黑田补充，该公司是在2005年10月推出其信用卡业务，它将在未来探讨从各领域取得平衡收益贡献。

他说，信用卡业务是其母公司的核心业务，占了后者逾90%收益。

为促进这项业务，永旺信贷已与全国逾5300名商家建立合作。

他续称：“我们每月都与30至40名新商家建立商业联系。”

http://chinese.cari.com.my/news/ ... /2007/08/21/79.html

ArsenalMAS

据我所知，AEON挑选顾客的要求非常的低。许多在其他银行申请不到的人都在aeon申请到信用卡。
然后他们在利用有了第一张卡的好处在一段时间后再申请其他银行。

相信这会造成坏账的巴仙相当高。不过也因为这样，aeon的信用卡普及速度相当快。

love12345

IPO有消息吗？

Mr.Business

应该是2007年尾吧。

原帖由 Mr.Business 于 21-8-2007 09:07 AM 发表
新闻：
20-08-2007: AEON Credit to ‘localise’ via listing
KUALA LUMPUR: AEON Credit Service (M) Bhd, which is expected to list on the Main Board of Bursa Malaysia by year-end...

Mr.Business

新闻。

17-10-2007: Aeon Credit launches motorcycle sales carnival

KUALA LUMPUR: Aeon Credit Service (M) Sdn Bhd, together with major motorcycle makers, has launched the "Aeon-Xpress Motorcycle Sales Carnival" to create greater awareness among consumers of its Aeon-Xpress motorcycle easy payment scheme.

The carnival, which involved the participation of Honda, Yamaha, Modenas, Suzuki, Kawasaki, Demak and MZ via more than 500 motorcycle merchants nationwide, started yesterday and would end on Oct 31, 2007.

In a statement here yesterday, Aeon Credit said motorcycle purchases made during the promotional period with Aeon-Xpress would enjoy a free 12-month personal accident coverage plan from AON Insurance Brokers worth RM5,000 on top of the usual easy payment scheme benefits.

Moreover, the company said consumers who take up the offer would also be eligible to take part in Aeon Credit’s "Dream Catcher" contest where they stand a chance to win up to RM100,000 in cash.
It added that every RM50 financed under Aeon-Xpress would entitle the customer to one entry for the contest, which also ended on Oct 31, 2007.

“We hope that our attractive financing scheme coupled with the motorcycle sales carnival will encourage the take-up of motorcycles,” its head of sales and business development group Danny Poh said.
Poh added that the carnival had received great response from consumers previously as participating merchants nationwide had reported increase in enquiries and applications.

“We are glad to see that many consumers are choosing to own and use motorcycles as an alternative mode of transport. We will be working closely with our merchants and business partners to bring more promotions to consumers,” he said.

http://www.theedgedaily.com/cms/ ... a-68895400-d1a2dea3

Mr.Business

新闻。

AEON Credit eyes main board listing by year-end

October 23 2007

AEON Credit Service (M) Bhd is targeting for a listing on Bursa Malaysia's main board by year-end.

The company has signed an underwriting agreement with CIMB Investment Bank Bhd and RHB Investment Bank Bhd for its upcoming initial public offering (IPO).

CIMB Investment Bank will function as adviser, managing underwriter and placement agent. It will also act as under writer, together with Aseambankers Malaysia Berhad and RHB Investment Bankers Bhd.

"The proposed listing exercise involves an offer for sale of 20 million existing shares and a public issue of 22 million new shares in AEON Credit at the price of RM2.50. The proposed listing has been approved by among others the Securities Commission," managing director of AEON Credit, Naruhito Kuroda said in a statement.

AEON Credit will be raising approximately RM55 million for asset investments, working capital purposes, repayment of bank borrowings and to defray estimated listing expenses.

AEON Credit, which is a subsidiary of AEON Credit Service Co Ltd in Japan, was incorporated in Malaysia in 1996. Its core businesses is the issuance of credit cards and the provision of easy payment schemes and personal financing schemes.

The company was the first non-banking credit card issuer approved by Bank Negara Malaysia to issue credit cards with its own line of credit in October 2005.

The company offers its own AEON credit cards, co-brand credit cards such as the Jusco and Redhot cards as well as the Malaysian Motorcycle and Scooter Dealers Association affinity card.

Its easy payment schemes are available through its merchant outlets nationwide. Other products are available through its 26 outlets nationwide.

http://www.btimes.com.my/Current_News/BT/Tuesday/Nation/aono.xml/Article/

[ 本帖最后由 Mr.Business 于 16-11-2007 08:08 PM 编辑 ]

江湖

突然发现mr.business兄， 你对金融业很有兴趣 。。

LPI, RCECAP, AEON Credit

Mr.Business

跟随国家的脚步。。。政府不是说要发展服务业吗？
我现在觉得服务业比制造业好一些：投资成本，竞争力，人工成本。。。

江湖

原帖由 Mr.Business 于 23-10-2007 10:03 AM 发表
跟随国家的脚步。。。政府不是说要发展服务业吗？
我现在觉得服务业比制造业好一些：投资成本，竞争力，人工成本。。。

也对，知道Ａｅｏｎ　几时ＩＰＯ吗？