【AEONCR 5139 交流专区】永旺信贷

3326

我刚刚才看回去最新的季度的季报，今年的贷款额正在大幅成长


注明:红色格子是今年的第一季度
       蓝色格子是去年的第一季度
      中间格子就是去年的第四季度

今年第一季度跟去年同期相比的话，Non-current Assets的Financing receivables是675，111K，跟去年的同期相比增长了65.72%，跟去年第四季度相比也增长了18.79%
再来看看Current assets的部分Financing receivables是979，660K，跟去年同期相比增长了39.72%，跟去年第四季度相比也增长了6.11%
再来看看EPS
2012Q1-15.99
2012Q2-19.54
2012Q3-21.05
2012Q4-23.10
2013Q1-23.41

在Non-current assets借给客户超过1年才偿还的借贷有高成长的迹象，看来公司在二手车和中小型企业融资方面取得不错的成绩
第一季度通常都是公司最弱的季度，如果，接下来的生意真的一直保持高成长的话，相信红股后要回到RM13.50应该不是难事

ckng2007

3326 发表于 8-9-2012 07:21 PM
我刚刚才看回去最新的季度的季报，今年的贷款额正在大幅成长

谢谢分享！

3326

ckng2007 发表于 8-9-2012 07:35 PM
谢谢分享！

原来你也有来这里混

wachin

谢谢分享

ckng2007

3326 发表于 8-9-2012 07:41 PM
原来你也有来这里混

混了几年，都是当潜水员，因为什么也不会，买了几间套房，现在还在

3326

金窿岂是池中物？

今天继续北上

wachin

明早RM10。64开始。。。

icy97

AEON CREDIT SERVICE (M) BERHAD

13/09/2012 05:27:15 PM

Type	Announcement
Subject	NEW ISSUE OF SECURITIES (CHAPTER 6 OF LISTING REQUIREMENTS) BONUS ISSUES
Description	AEON CREDIT SERVICE (M) BERHAD (“ACSM” OR THE “COMPANY”) Bonus issue of 24,000,000 new ordinary shares of RM0.50 each in ACSM (“Bonus Shares”) to be credited as fully paid up, on the basis of one (1) Bonus Share for every five (5) existing ordinary shares of RM0.50 each held in ACSM (“Bonus Issue”)
We refer to the announcement dated 29 August 2012. On behalf of the Board of Directors of ACSM, HwangDBS Investment Bank Berhad wishes to announce that 24,000,000 Bonus Shares will be issued pursuant to the Bonus Issue. After the Bonus Issue, the enlarged issued and paid-up share capital of the Company will be RM72,000,000 comprising 144,000,000 ordinary shares of RM0.50 each in ACSM. The Bonus Shares will be listed and quoted on the Main Market of Bursa Malaysia Securities Berhad with effect on 9.00 a.m. on Friday, 14 September 2012.

wachin

Aeon Credit expected to expand into used-car, equipment financing

KUALA LUMPUR: Aeon Credit Service (M) Bhd is expected to venturing into new growth areas such as used-car financing and equipment financing for small and medium-sized enterprises, according to RAM Rating Services Bhd.

The ratings agency said on Wednesday while diversification was viewed favourably, it was cognisant of the credit and operational risks arising from these new businesses.

"We also remain cautious on Aeon Credit's rapid growth due to its sizeable exposure to the lower-income segment.

"Nevertheless, we expect the company's profitability to be sustainable, aided by its robust margins," it said.

RAM Ratings had reaffirmed the respective long- and short-term ratings of AA1(bg) and P1 for Aeon Credit's RM400mil conventional and Islamic commercial papers/medium-term notes (CP/MTN) programme with a stable outlook.

"The ratings reflect the strength of the unconditional and irrevocable guarantees extended by a consortium of three banks - Bank of Tokyo Mitsubishi UFJ Ltd, Mizuho Corporate Bank Ltd, and Malayan Banking Bhd -- based on the weakest-link approach under RAM Ratings' criteria on guaranteed bonds," it said.

To recap, Aeon Credit provides easy-payment schemes for purchases of consumer durables and motorcycles, along with personal financing and credit cards.

Aeon Credit Service Co Ltd of Japan has a 59.7% stake in the company and plays a crucial role in the business direction and strategies.

RAM Ratings said Aeon Credit's gross receivables surged 34% year-on-year to RM1.5bil as at end-February 2012, supported by the rapid expansion of its credit-card business, motorcycle easy-payment schemes and personal financing facilities.

Its net interest margin remained strong at 16.9% in fiscal 2012, and is a function of its lending to generally higher-risk, low-income consumers whose debt-servicing capabilities are often more susceptible to adverse changes in economic conditions.

As at end-February 2012, the company's gearing ratio remained largely stable at 3.2 times.

http://biz.thestar.com.my/news/s ... 160522&sec=business

wachin

AEON CREDIT SERVICE (M) BERHAD

20/09/2012 05:05:04 PM

EX-date	02/10/2012
Entitlement date	04/10/2012
Entitlement time	05:00:00 PM
Entitlement subject	Interim Dividend
Entitlement description	Interim single tier dividend of 16.00 sen per ordinary share of RM0.50 each for the financial year ending 20 February 2013
Period of interest payment	to
Financial Year End	20/02/2013
Share transfer book & register of members will be	to closed from (both dates inclusive) for the purpose of determining the entitlements
Registrar's name ,address, telephone no	Symphony Share Registrars Sdn Bhd Level 6, Symphony House, Block D13 Pusat Dagangan Dana 1 Jalan PJU 1A/46 47301 Petaling Jaya Selangor Darul Ehsan Tel No: 03-7841 8000 Fax No: 03-7841 8008
Payment date	22/10/2012
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	04/10/2012
b.Securities deposited into the Depositor's Securities Account before 12:30 pm in respect of securities exempted from mandatory deposit
c. Securities bought on the Exchange on a cum entitlement basis according to the Rules of the Exchange.
Number of new shares/securities issued (units) (If applicable)
Entitlement indicator	Currency
Currency	Malaysian Ringgit (MYR)
Entitlement in Currency	0.16

icy97

SUMMARY OF KEY FINANCIAL INFORMATION 20/08/2012

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		Three Mths	Three Mths	Six Mths	Six Mths
		21/05/2012	21/05/2011	21/02/2012	21/02/2011
		To 20/08/2012	To 20/08/2011	To 20/08/2012	To 20/08/2011
		$$'000	$$'000	$$'000	$$'000

1	Revenue	112,486	83,035	214,110	160,185
2	Profit/(loss) before tax	43,698	31,522	82,105	57,307
3	Profit/(loss) for the period	32,088	23,453	60,177	42,636
4	Profit/(loss) attributable to ordinary equity holders of the parent	32,088	23,453	60,177	42,636
5	Basic earnings/(loss) per share (Subunit)	26.74	19.54	50.15	35.53
6	Proposed/Declared dividend per share (Subunit)	16.00	13.20	16.00	13.20
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	3.1500		2.3500

Remarks :

The Board of Directors has declared an interim single tier dividend of 16.00 sen per ordinary share of RM0.50 each for the financial year ending 20 February 2013.

次季淨利3209萬 永旺信貸派息16仙

財經股市20/09/2012 23:00
（吉隆坡20日訊）行銷策略奏效，永旺信貸（AEONCR，5139，主要板金融）截至8月20日第2季，營業額按年上漲35.5%至1億1249萬令吉，淨利增長37%至3209萬令吉。

該公司也宣佈，每股派發16仙中期股息，比較上一年同期股息為13.20仙。

永旺信貸向馬證交所報備，次季交易總額與融資量增長39.6%至6億200萬令吉，主要因持續有利的經濟環境和行銷活動，推動業務和應收賬款成長。

截至8月20日首6個月，永旺信貸營業額按年增33.7%至2億1411萬令吉，淨利上漲41%至6018萬令吉。

永旺信貸預期，本財年余下季度將能維持佳績，未來將繼續開設新分行擴展服務，以進一步推動業務成長和提高市佔率，尤其中等收入階級市場。

今日閉市，永旺信貸報10.36，跌22仙，成交量14萬3500股。[ChinaPress]

icy97

資本比率緊縮‧永旺信貸派息料減

熱股評析  2012-09-21 19:10
（吉隆坡21日訊）永旺信貸（AEONCR，5139，主板金融組）最新業績符合預期，旗下業務穩健成長，惟分析員認為，由於該公司資本比率緊縮，將影響未來的股息派發率。

無論如何，其業績亮麗吸引了投資者的購興，永旺信貸全天上揚4仙，以10令吉40仙收盤。

僑豐研究指出，2013財政年上半年盈利在預料之中，相等於該行全年預測的47.6%，主要受個人融資（+116.6%）、信用卡（+28.6%）和汽車簡易付款（+25.7%）所帶動。

該公司2013財政年上半年營業額和淨利按年分別增長33.7%和41.1%，和其整體交易量的40%成長率一致。

各領域表現方面，信用卡業務按季反彈6.6%，主要由於擴大了發卡數目，上半年共16萬2千張，相比上財政年為16萬張，其次是消費者情緒有所改善。

普通簡易付款業務按年增長14.8%，因商店網絡從上財政年的4千535家增加至目前的5千356家，以及交易量增長20%。

資產素質仍穩健
至於汽車簡易付款業務的交易量大增67%，部份歸功於二手車簡易付款的交易量顯著增長。

該公司的資本比率面對壓縮情況，這是由於積極放貸，令其應收賬項大幅成長41%至18億8千700萬令吉，資本適足率也從去年的21.8%下降至19.4%，不過這仍屬舒適水平，高於最低法定資本適足率要求的16%水平。

永旺信貸的資產素質依然穩健，呆賬率改善至1.53%（首季為1.68%），其淨信貸成本也從首季的3.29%進一步改善至2.98%，貸款損失準備金率約125%。

該公司的貸款業務在下階段將專注於大宗物件的貸款，這些大型商品的利息賺幅通常較低，因此預料該公司的利息賺幅將縮減。

分析員也看好永旺信貸計劃提供白金信用卡給高收入客戶的行動，這將可增強其資產素質，因這類客戶信用較佳。

僑豐研究保持“中和＂評級，合理價為11令吉47仙。由於其資本比率受到壓縮，2014財政年股息派發率預測下調至34%，惟相信該公司在現財政年仍可保持37%股息派發率。（星洲日報／財經）

wachin

Aeon Credit seeks acquisitions to diversify

Friday, October 05, 2012, 09.55 PM
Aeon Credit Service (M) Bhd, this year’s second-best performer on the FTSE Bursa Malaysia Top 100 Index, is seeking acquisitions in the financial services industry to diversify its business, an executive said.

The Kuala Lumpur-based company, a unit of Japanese credit-card company Aeon Credit Service Co, wants to further expand beyond consumer finance to tap rising demand from smaller companies and for used-car loans, Managing Director Yasuhiro Kasai said in an interview in Kuala Lumpur today. No takeover or merger talks are currently taking place, he said.

Aeon Credit Malaysia will make purchases that “help us grow faster,” Kasai said. “We go for the middle-sized or bigger companies because they have more talented people and much bigger customer base.”

Malaysia has defied the global economic slump with gross domestic product expanding 5.4 per cent last quarter and the country’s benchmark FTSE Bursa Malaysia KLCI Index closing at a record yesterday. Prime Minister Najib Razak cut income taxes and extended handouts for the poor in his 2013 budget speech last week in a move to further stimulate domestic spending.

Aeon Credit Malaysia has jumped 79 per cent in Kuala Lumpur this year, the biggest gainer on the Top 100 index after KLCC Property Holdings Bhd. The gauge has gained 7.8 per cent in 2012.

“They are doing very well,” Ang Kok Heng, who manages the equivalent of US$425 million as chief investment officer at Phillip Capital Management Sdn Bhd, said by phone in Kuala Lumpur. “They are in a niche market where there is no strong competitor. Loan growth will be strong.”

Rated Buy
The stock is rated buy at Nomura Holdings Inc and the equivalent of hold by four other brokerages, according to data compiled by Bloomberg. Its shares fell 0.8 per cent to RM10.30 as of 2:54 p.m. today.

Malaysia will reduce the personal income tax rate by 1 percentage point for those with a taxable income of RM2,500 to RM50,000 annually, Najib said in his Sept. 28 budget speech. The government will repeat a RM500 handout for low-income families. Civil servants’ minimum pensions will be raised to RM820 per month, while government workers will get an additional bonus of one month’s salary, Najib said.

Measures in Najib’s budget will “definitely stimulate people’s spending,” Kasai said. “It helps us to grow further in terms of product financing.”

Aeon Credit is seeking to sustain a double-digit growth in earnings in the second half of the year, driven by increasing demand from small businesses and used-car financing, he said. Its net income for the first half ended Aug. 20 surged 41 per cent to RM60.2 million on higher loan growth and gross receivables, the company said in a Sept. 20 filing.

“We can see improvement in our portfolio mix,” said Kasai. “Previously we just relied on the lower-income group. Now we tapped into the middle- and higher-income groups.” -- Bloomberg

Read more: Aeon Credit seeks acquisitions to diversify
http://www.btimes.com.my/article ... icle/#ixzz28Qe0iPzZ

永旺信貸金融服務業尋併購

企業財經05/10/2012 21:03
（吉隆坡5日訊）永旺信貸（AEONCR，5139，主要板金融）冀業務多元化，並將在金融服務領域尋求合適併購對象。

該公司董事經理泰宏笠井接受“彭博社”專訪時指出，小型企業及二手車貸款需求越來越高，公司希望能透過併購，進一步開拓消費金融市場。

不過他強調，目前永旺信貸尚未與任何單位洽商併購。

“我們希望收購能讓我們成長得更迅速的公司，中型甚至大型公司擁有更多人才資源及廣大顧客群，希望併購這類規模的公司。”

由于小型企業和二手車貸款需求增加，永旺信貸希望下半年盈利可維持雙位數成長。

泰宏笠井指出，永旺信貸顧客群已更多元化，過去收入來源主要來自低收入階層人士，目前卻已將成功進駐中高收入階層人士市場。

http://www.chinapress.com.my/node/359214

wachin

股息进账了。。。

wachin

12.7

icy97

母公司購家樂福‧永旺信貸受惠不大

熱股評析  2012-11-16 19:07
（吉隆坡16日訊）永旺信貸（AEONCR，5139，主板金融組）因母公司日本永旺集團收購大馬家樂福（Carrefour）業務激勵而受追捧，不過僑豐研究認為兩者的協同效益並不大，料僅微幅提昇永旺信貸的淨利水平1.8至2.6%。

上述預估基準，主要考量潛在100萬名永旺卡會員中，有7.5%是永旺信貸信用卡持有者，且永旺信貸簡易付款配套的2%客戶也是永旺的客戶。

從10月初至今，永旺信貸已攀升約30%，且一度漲至13令吉70仙高峰位置，今日閉市則掛13令吉46仙，起26仙。

可從客戶群增長受惠
僑豐解釋，由於大馬家樂福業務將獨立營運，專注在不同的客戶群，因此潛在的協同效益料不顯著。不過，隨著永旺在大馬的營運規模擴大，永旺信貸仍可從客戶群增長中受惠。

若加上家樂福在國內的26家霸市，永旺旗下的分店數量將達55家，以銷售計將搖身成為國內第二大零售商。

至於協同效益不顯著主要是因為使用永旺信貸服務的群眾不多、家樂福已使用永旺信貸的簡易付款配套，加上永旺及家樂福客戶出現些許重疊。

僑豐強調，當中出現的下滑風險更超越上升風險，如表現欠佳的分行將遭關閉，進而減低永旺信貸交叉銷售產品的平台、若更名為Aeon Big的家樂福業務方向改變，可能無法令永旺信貸受惠及兩者客戶重疊等。

業務方向看俏
雖然協同效益不顯著，不過該行認為永旺信貸的業務方向看俏，尤其是該公司獨特的市場定位，擁有本身的信用卡，不像其他超市或霸市須與銀行合作。

“隨著使用永旺信貸服務的永旺客戶仍不多，我們相信該公司仍有頗大的市場潛能，加上消費領域前景正面，也有助於推升盈利成長，惟前提是維持良好的資本管理。＂

僑豐維持該公司“中和＂評級，但合理價從11令吉47仙上調至14令吉。（星洲日報／財經）

kong9408

aeoncr确实是好东西，非常有潜能继续高成长，而且还是很便宜。

icy97

歸功車貸與個人信貸‧永旺信貸3個月賺3494萬

大馬 業績出爐  2012-12-20 11:48
（吉隆坡19日訊）歸功於汽車貸款和個人信貸業務成長，永旺信貸（AEONCR，5139，主板金融組）截至2012年11月20日止3個月淨利增長38.35%至3千494萬1千令吉，推動首9個月淨利走揚40.1%至9千511萬8千令吉。

第三季營業額上漲35.1%至1億2千133萬4千令吉，令首9個月營業額達3億3千544萬4千令吉，較前期增加34.18%。

該公司發文告表示，根據現有強勁需求和正面市場趨勢，公司預期現財政年餘下時間可延續良好業務表現。

“我們將繼續開設新分行和擴展服務，以取得進一步業務成長和增加市佔率，特別是中等收入市場環節。＂（星洲日報／財經）

SUMMARY OF KEY FINANCIAL INFORMATION 20/11/2012

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		Three Mths	Three Mths	Nine Mths	Nine Mths
		21/08/2012	21/08/2011	21/02/2012	21/02/2011
		To 20/11/2012	To 20/11/2011	To 20/11/2012	To 20/11/2011
		$$'000	$$'000	$$'000	$$'000

1	Revenue	121,334	89,809	335,444	249,994
2	Profit/(loss) before tax	46,901	33,853	129,006	91,160
3	Profit/(loss) for the period	34,941	25,255	95,118	67,891
4	Profit/(loss) attributable to ordinary equity holders of the parent	34,941	25,255	95,118	67,891
5	Basic earnings/(loss) per share (Subunit)	25.42	21.05	75.57	56.58
6	Proposed/Declared dividend per share (Subunit)	0.00	0.00	16.00	13.20
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	2.7300		2.8400

icy97

加強消費信貸‧個人融資成主力‧永旺信貸盈利看漲

熱股評析  2012-12-20 19:06
（吉隆坡20日訊）永旺信貸（AEONCR，5139,主板金融組）首9個月業績符合市場預期，分析員認為消費信貸需求殷切有助推動改公司盈利繼續增長。

亮麗業績激勵股價走高，該股一度大漲62仙或5.6%，閉市報12令吉64仙，漲56仙或5.05%。

該公司第三季淨利按年增長38.35%至3千494萬1千令吉，推動首9個月淨利走揚40.1%至9千511萬8千令吉。

肯納格研究認為，永旺信貸已在消費信貸加強，將開設更多分行。該行認為本財政年與下個財政年盈利將繼續增長，國行負責任貸款指南限制與私人的融資需求是推動成長主力。

肯納格說，目前其個人融資與電單車分期付款是成長主力，對盈利預測不變，惟調高目標價至13令吉，前為9令吉70仙。

永旺信貸主要由個人融資所驅動，此區塊按年成長117%，信用卡13%、汽車融資35%、一般分期付款12%。貸款成長按季增長12%，今年截至11月貸款成長40%至21億令吉。

信用卡業務將放緩
分析員指出，配合貸款成長，資金按季增長13%，惟一些貸款面臨壓力，呆賬由上季的1.5%上揚至1.8%，貸款攤銷按季升至29%。

黃氏唯高達認為，將繼續在汽車與一般貸款繼續成長，基於國行的一般貸款指南控制信用卡發出，預期信用卡業務將放緩。

該行認為呆賬由上季的1.5%上揚至1.8%，管理層料繼續平衡有關信貸風險。

“往後會專注於大型電單車的貸款，因高檔客戶風險較低。預期貸款持續強勁成長，盈利可持續。＂

僑豐研究說，迄今信貸成本改進4千610萬令吉（不包括追回的1千660萬令吉呆賬），惟當季的呆賬收回只達530萬令吉，這導致信貸成本走高100個基點至3.93%。

“大馬評估機構調高其長遠信貸至AAA的穩定評級，其4億令吉貨幣票據2014年1月到期，惟對融資成本只有些微正面效應。＂（星洲日報／財經）

icy97

与Chaswood联手推信用卡　永旺信贷放眼5万持卡人

財经 2013年1月30日
（吉隆坡30日讯）永旺信贷（AEONCR，5139，主板金融股）与国际多元概念餐饮集团--Chaswood资源集团联手推出永旺-和民（Watami）信用卡，並预计持卡人在未来3至5年里达到4万至5万人，以及在信用卡业务的营收取得双位数比重。       

永旺信贷执行董事克里斯纳潘表示，该集团与已拥有日本和民餐厅专营权的Chaswood资源推出永旺-和民信用卡，让那些在和民餐厅进餐的持卡人受惠。

长远来说，上述信用卡推出之后將能壮大永旺信贷的信用卡业务。

克里斯纳潘是在出席信用卡推介礼之后，与Chaswood资源董事经理雷迪向记者发表谈话。

雷迪指出，现阶段而言，Chaswood资源在大马只开了3家和民餐厅分店，並计划在2016年把分店增10家。而永旺-和民信用卡持卡人，可以在大马、香港、台湾和日本的和民餐厅享有各种优惠。

与此同时，克里斯纳潘说，预计在未来3至5年里，即Chaswood资源增设更多分店之后，永旺-和民信用卡持卡人將达到4万至5万人。

当被询及永旺信贷2013年的发展计划时，克里斯纳潘透露，除了持续推动信用卡业务之外，该集团的成长策略依然是从微型贷款转型至大型项目贷款，例如汽车贷款。

同时，他也说，永旺信贷2012年迄今已增设5至6家分行，目前仍在评估一些新地点增设更多分行。而新分行的分佈点將依循永旺集团（AEON，6599，主板贸服股）旗下永旺商场的网络以及人流多的地区。[东方日报财经]