【AEONCR 5139 交流专区】永旺信贷

Mr.Business

题目更改：

10/07/2007: 打算申请AEON Credit的IPO吗？
16/12/2007: AEON Credit将于12/12/2007上市！
10/06/2008: 这里有谁是Kawan AEON Credit？

XXXXX

AEON Credit要上市了， 大家打算申请她的IPO吗？一起讨论吧！

AEON Credit的强项。
日本人的专业管理，很赚钱的生意 (信用卡和借贷业务)，有母公司(AEON Group)做靠山，有AEON (百货公司)帮助生意，可想而知的丰厚股息 (才好带钱回日本)。

AEON Credit的的确确是一间很好很好的公司！！

公司网站是：
http://www.aeonmalaysia.com.my/


XXXXX

永旺信貸獲准上市主板
updated:2007-07-10 11:03:10 MYT

（吉隆坡訊）永旺信貸（AEON CREDIT）獲證券監督委員會批准，在大馬交易所主板上市。

永旺信貸是日本人持有的非銀行金融機構，是東京上市公司永旺信貸服務子公司，後者是日本百貨巨子永旺的子公司。

永旺信貸提供包括普通簡易付費、摩托車簡易付費、個人融資和信用卡服務。該公司除了發行本身信用卡之外，同時也經營本身的自動提款機和存款機服務。

永旺信貸在大馬延用日本永旺信貸服務在日本和其他國家/地區，諸如中國、香港、台灣、泰國和印尼的經驗，永旺信貸服務也分別在香港和泰國股市上市。 （星洲日報/財經•2007.07.10）

http://biz.sinchew-i.com/content.phtml?sec=2&sdate=&artid=200707100061

XXXXX

Tuesday July 10, 2007

Aeon Credit gets nod

PETALING JAYA:  Aeon Credit Service (M) Bhd has received approval to be listed on the main board of Bursa Malaysia.

In a press statement, it said the Japanese-owned non-banking financial institution received approval from the Securities Commission yesterday.Aeon Credit is a subsidiary of Aeon Credit Service Co Ltd (Aeon Credit Japan), which in turn is a unit of Aeon Co Ltd, a retail and financial conglomerate. The latter two companies are listed on the First Section of the Tokyo Stock Exchange.

Aeon Credit's current product offerings include general easy payments,motorcycle easy payments, credit cards and personal financing. In October 2005, it was the first non-banking financial institution to issue credit cards.

http://biz.thestar.com.my/news/story.asp?file=/2007/7/10/business/18257529&sec=business

原帖由 Mr.Business 于 9-6-2008 11:33 PM 发表
AEON Credit的股权分布：
Lembaga Tabung Angkatan Tentera得到IPO-Bumiputra allocation by MITI，用RM2.50的价钱买了15,000,000股 (12.5%)。

Aeon Credit Japan持有61.85%股份。

原帖由 Mr.Business 于 17-6-2008 04:03 PM 发表
AEON Credit的股息：

2008财政年：
1. 17/12/2007宣布股息5.4sen，EX-date是02/01/2008：
Interim Dividend of RM0.0405 per share less 26% income tax and aSpecial Dividend of RM0.0135 per share less 26% income tax in respectof the financial year ending 20 February 2008.

2. 15/04/2008和第四季度业绩一并宣布股息7.44sen, EX-date是30/06/2008：
Final Dividend of 7.44sen per share less income tax of 26% for the financial year ended 20 February 2008.

原帖由 Mr.Business 于 17-6-2008 04:08 PM 发表
Aeon Credit过去几年的Capital Adequacy Ratio (%):
2004 14.99%
2005 13.14%
2006 18.59%
2007 18.225
2008 24.83%

在AEON Credit的IPO文件看过BNM要求AEON Credit的Capital Adequacy Ratio最少要16％。

什么是Capital Adequacy Ratio？
A measure of a bank's capital. It is expressed as a percentage of a bank's risk weighted credit exposures.


Also known as "Capital to Risk Weighted Assets Ratio (CRAR)."

Investopedia Says...         
This ratio is used to protect depositors and promote the stability and efficiency of financial systems around the world.
Two types of capital are measured: tier one capital, which canabsorblosses without a bank being required to cease trading, and tiertwocapital, which can absorb losses in the event of a winding-up andsoprovides a lesser degree of protection to depositors.

http://www.investopedia.com/terms/c/capitaladequacyratio.asp

http://en.wikipedia.org/wiki/Capital_adequacy_ratio

原帖由 Mr.Business 于 17-6-2008 03:43 PM 发表
AEON Credit的2009财政年目标：
1. 信用卡发卡数量从94000张 (2008年6月)提高到190000张。

[ 本帖最后由 Mr.Business 于 17-6-2008 04:10 PM 编辑 ]

Mr.Business

AEON Credit的简历。


AEON Credit Service (M) Sdn. Bhd. (the "Company") was established on 6th December 1996. It is a subsidiary of AEON Credit Service Co., Ltd. ("AEON Credit Japan ") and a member of the AEON Group. AEON Credit Japan is one of the leading consumer finance services companies in Japan and is listed on the main board of the Tokyo Stock Exchange.


                    
                     
The Company provides Easy Payment Schemes, for many household items, and motorcycles. It also provides personal financing and insurance schemes And recently began issuing credit cards under the Visa and Mastercard brands.

The Company is based in Kuala Lumpur with branches operation in most of the major cities nationwide to better serve the needs of customers and participating retail partners. The Company currently has a wide branch network with a total of 22 branches branches in most of the major cities in Malaysia and is expanding.

As part of the company’s vision to provide excellent customer service, it successfully obtained the ISO 9001:2000 Quality Management System (QMS) certified through AJA EQS Certification (M) Sdn Bhd, accredited by United Kingdom Accreditation Service (UKAS) on the 15th of September 2004.

http://www.aeonmalaysia.com.my/about_us/index.html

[ 本帖最后由 Mr.Business 于 16-11-2007 08:38 PM 编辑 ]

Mr.Business

AEON Credit在各地的分行。

We are here for you with 13 AEON Credit Branches and 11 AEON Spot nationwide.

AEON Spot
• AEON Spot Menara Olympia*
• AEON Spot Bukit Bintang*
• AEON Spot Kajang*
• AEON Spot Shah Alam*
• AEON Spot Klang

AEON Spot at JUSCO Shopping Centres:
• Seremban 2
• Tebrau City
• IOI Mall*
• Taman Equine
• Mid Valley
• Queensbay Mall
Branches:
• Alor Setar
• Batu Pahat
• Ipoh
• Johor Bahru
• Kota Bahru
• Kota Kinabalu
• Kuala Lumpur         
• Kuala Terengganu
• Kuantan
• Kuching
• Melaka
• Miri
• Pulau Pinang
• Seremban

*ATMs are available here



http://www.aeonmalaysia.com.my/branch_network/index.html

Mr.Business

AEON Credit Service Sdn Bhd - 400 Million Nominal Value Commercial Papers / Medium Term Notes Under The Conventional And Islamic Programmes
Kuala Lumpur, 15, January 2007





AEON Credit Service (M) Sdn Bhd ("AEON Credit"), Malaysia's first non-bank credit card issuer with its own line of credit and one of the leading consumer finance company of easy payment and personal financing products, today marked another significant milestone in its corporate history with the very successful signing of its 7-year Bank Guaranteed Conventional and Islamic Commercial Papers / Medium Term Notes ("CP/MTN";) Programmes ("Programmes") with an aggregate nominal value of up to RM400 million today in a signing ceremony between AEON Credit and the Joint Lead Managers and the Bank Guarantors for the Programmes. The Islamic CP/MTN (Sukuk) are to be issued under the Syariah principle of "Musyarakah" which is a partnership between the holders of the CP/MTN to invest in the Sukuk.

The CP/MTN have been accorded the highest standalone short term investment grade rating of P1 as well as the highest investment grade rating of AAA (bank guarantee) by Rating Agency Malaysia Berhad for its Programmes. Aseambankers Malaysia Berhad, Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad and CIMB Investment Bank Berhad (formerly known as Commerce International Merchant Bankers Berhad) are the Joint Lead Arrangers and Joint Lead Managers and Joint Book Runners for the Programmes, whereas Mizuho Corporate Bank Ltd Labuan Branch ("Mizuho Corporate Bank";), Malayan Banking Berhad and Bank of Tokyo-Mitsubishi UFJ Ltd,. Labuan Branch, are the Bank Guarantors for the Programmes. The Bank Guarantee was arranged by Mizuho Corporate Bank, as Lead Arranger, through a syndication.

With the current rapid and successful expansion of its business and healthy receivables growth, the proceeds from the issuance of the CP/MTN under these Programmes will be utilized primarily to fund AEON Credit's present and future investments and working capital.

The Programmes will accord AEON Credit the flexibility to issue CP and/or MTN at different length of tenors to meet its short to medium term funding requirements. Under the Programmes, AEON Credit has the alternative to issue CP in various tenors of below 12 months and MTN in tenors of 1 year up to 5 years. Further the CP/MTN are expected to be well received by investors as the Programmes cater to both the conventional and Islamic investors as AEON Credit's receivables comprise both conventional and Islamic receivables.

Mr Naruhito Kuroda, Managing Director of AEON Credit, said that the establishment of the Programmes marked an important chapter in the continued growth and evolution of AEON Credit as it represents AEON Credit's inaugural effort to tap into the Malaysian capital markets for its funding needs. It is also a testament to AEON Credit's operational strength, sound business plan, which has seen approximately 70% growth in its receivables over the past 10 months and the management's foresight and commitment in creating value to the company. Mr Kuroda foresees the further expansion of AEON Credit's consumer financing businesses in Malaysia with further enhancements and introduction of new products and the expansion of its business network for meeting the needs and requirements of its customers.

AEON Credit was incorporated on 6 December 1996 by AEON Credit Service Co. Ltd. Japan ("AEON Credit Japan";), together with several local shareholders. AEON Credit's core businesses consist of the provision of easy payment schemes, personal financing schemes and issuance of credit cards under international brand names of Visa and MasterCard. The personal financing schemes and certain easy payment schemes are based on Islamic principles. It has 24 branches and AEON-Spots spanning across the major towns and cities in East and West Malaysia and 5,200 merchants network and expects to further expand its business network to cater for the convenience of its customers. Today, AEON Credit has a database of more than 600,000 customers out of which approximately 70,000 are credit card holders (AEON Credit's credit card business commenced operations only on 17 November 2005) and 345,000 customers holding the AEON Express cards, which is similar to the loyalty cards.

The AEON Group is a well diversified retail global conglomerate with 130 consolidated subsidiaries and 26 affiliated companies.

AEON Credit Japan is a subsidiary within the AEON Group and was established in 1981. It is presently listed on the main board of the Tokyo Stock Exchange and is one of the biggest credit card issuers and leading consumer credit providers in Japan with more than 14.1 million card members in Japan. AEON Credit Japan's subsidiaries undertake similar successful businesses in Hong Kong, Thailand, Taiwan, China, and Indonesia, with the Hong Kong and Thailand entities listed on the respective main boards of the stock exchange of the said countries.

http://www.aeonmalaysia.com.my/about_us/press_2007/jan/12.html

[ 本帖最后由 Mr.Business 于 10-7-2007 04:01 PM 编辑 ]

Mr.Business

这么好的公司，为何要上市呢？难道被我国政府和Bursa的诚意所感动？要研究研究。。。

XXXXX

Message from Managing Director

Welcome to AEON Credit Service (M) Sdn. Bhd. (AEON Credit) official website. In this website, you will be introduced to our wide range of products and services.

AEON Credit is a subsidiary company of AEON Credit Japan, which is a part of a well –diversified global conglomerate. At AEON, our endeavor is to provide customers with assurance and trust in their daily lives in keeping with the view that ‘everything we do, we do for our customers’.

As today’s industry progress further, customers have become more discerning and more demanding. Customers’ expectations have grown in leaps and bounds. Ultimately to be in tandem with the situation, we at AEON Credit will constantly strive to improve our current and new products and services to meet our customers need.

The company has a strong track record locally as a leader in consumer financing. The company core business is providing consumer financing such as Easy Payment Scheme for purchase of consumer goods, Motorcycle Easy Payment Scheme, Personal Financing Scheme and Car Insurance Installment Plan.

Recently, AEON Credit has embarked in a Credit Card business which is internationally accepted. With the launch of AEON Card, AEON Credit becomes the first foreign controlled non-bank in Malaysia to obtain approval from Bank Negara Malaysia for the credit card business. We are confident that with the rapid growth of Malaysian economy, coupled with the experience and expertise drawn from other AEON Credit Card operations in Japan and other countries, AEON Credit will experience remarkable growth in the credit card business.

Our commitment to growing and strengthening the company has never been stronger. So too is our determination to build a better company – one that provides a highly competitive level of services and is capable of meeting and exceeding customer’ expectations.

A part from our customers, employees has always plays an important role in this company. We recognize the fact that the company is nothing without their employees and believe in the development and management of human capitals. The Human Resource Department has put an effort to offer a wide range of training and development programme to equip our employees be it in Sales & Marketing, Customer Service or Credit Card Operations to ensure stability in the versatile and competitive market.

As you browse through our website, you will discover beneficial information on our products and services that is very competitive which is tailored made to suit our customers need.

Thank you

Naruhito Kuroda
Managing Director

http://www.aeonmalaysia.com.my/about_us/message.html

四伯爽

会去申请...因为有AEON的招牌
坏极都有限啦

不过

能中在来讲啦

Mr.Business

泰国的AEON Credit (Aeon Thana Sinsap)是在2001年上市；
而香港的AEON Credit (Aeon Credit Srivices (Asia))是在1995年上市。

研究这两间上市公司的表现之后，我相信我们会更清楚大马的AEON Credit的将来如何。

http://www.aeon.co.th/aeon/index_en.asp
http://www.aeon.com.hk/wps/wcm/myconnect/aeonweb/EN/

XXXXX

Aeon Thana Sinsap's IPO price to be Bt48-52: adviser  (Nov 1, 01)

Local leasing company Aeon Thana Sinsap will launch an initial public offering (IPO) of 9.8 million shares at between Bt48 and Bt52 each in the period November 16-20, its financial adviser says.
An official for Capital Nomura Securities said that final details of Aeon's IPO would be decided on November 13.
Aeon Thana Sinsap is 29 per cent owned by Aeon Credit Service, 24 per cent by ACS Capital Corp and 11 per cent by Siam-Jusco. The firm has 29 branches across Thailand.
The official, who declined to be identified, said Aeon had made a net profit of Bt130 million in the six months to August 31.
Aeon Thana Sinsap said it planned to raise its registered capital to Bt250 million from Bt200 million through the IPO.
The 9.8 million IPO shares will each have a par value of Bt5. Some 200,000 shares will be reserved for the company's employees.
The company's shares will be unveiled on the stock market by the beginning of December.

http://www.siamfuture.com/ThaiNews/ThNewsTxt.asp?tid=950

[ 本帖最后由 Mr.Business 于 10-7-2007 05:42 PM 编辑 ]

Mr.Business

Institution: AEON Credit Service (M) Sdn Bhd
Headlines: RAM assigns enhanced AAA(bg)/P1 ratings to AEON Credit’s proposed debt issue
Date Announced: 15 January 2007
         
RAM has assigned enhanced long- and short-term ratings of AAA(bg) and P1, respectively, to AEON Credit Service (M) Sdn Bhd’s (“AEON Credit” or “the Company”) proposed Commercial Paper/Medium-Term Notes under a Conventional and Islamic Programme, with a combined limit of up to RM400 million (“CP/MTN Programme”). The long-term rating has a stable outlook. The proceeds from the proposed CP/MTN Programme will be utilised as working capital and to finance the Company’s investments in equipment, systems and other assets, in line with the growth of its business and network.

Meanwhile, the enhanced long-term rating reflects the strength of the unconditional and irrevocable guarantees provided by 3 financial institutions: Bank of Tokyo-Mitsubishi UFJ Ltd, Labuan Branch; Malayan Banking Berhad; and Mizuho Corporate Bank Ltd, Labuan Branch. All 3 banks are viewed to have the highest safety for timely payments on financial obligations. The backing of these bank guarantees enhances the credit profile of the proposed CP/MTN Programme beyond AEON Credit’s stand-alone long-term rating. However, the short-term rating of P1 does not carry the same enhancement, as it already equals the short-term credit strength of the guarantor banks.

AEON Credit, which commenced operations in 1997, had been established by AEON Credit Service Co Ltd (“AEON Credit Japan”) as part of the expansion strategy for its consumer-financing business in Asia, further to its earlier entry into the Hong Kong and Thailand markets. AEON Credit is involved in the financing of consumer durables via easy-payment schemes, personal financing under Syariah principles and, more recently, the issuance of credit cards. On 17 August 2005, the Company obtained Bank Negara Malaysia’s (“BNM”) approval to operate its credit-card business in Malaysia, which is regulated under the central bank’s Payment Systems Act 2003. AEON Credit has now expanded its easy-payment financing business to over 5,000 merchants/retail stores nationwide.

AEON Credit possesses good asset quality on account of its vigilant monitoring and collection of accounts; its commendable performance is underpinned by its lucrative margins of more than 20%. Financial support from its parent, AEON Credit Japan (rated A-/Stable/-- by Standard and Poor’s), is also viewed to be strong – as evidenced by the capital infusion earlier this year to support the Company’s credit-card business, as well as its pledge to BNM to provide continuous funding and support to AEON Credit.

Analyst
Lee Kai Siew

http://www.ram.com.my/custom.cfm?name=press.cfm&id=1571

Mr.Business

AEON Credit的强项。
日本人的专业管理，很赚钱的生意 (信用卡和借贷业务)，有母公司(AEON Group)做靠山，有AEON (百货公司)帮助生意，可想而知的丰厚股息 (才好带钱回日本)。

AEON Credit的的确确是一间很好很好的公司！！

四伯爽

现在AEON THANA SINSAP的股价是 THB49.50


AEON CREDIT HK 的股价是HKD6.79

四伯爽

我看到泰国和香港的AEON CREDIT三年以来ROE都是超过20%的咧

四伯爽

泰国的aeon credit在2004年有过一次split

5 for 1的

当时股价是在THB136

Mr.Business

你的动作比我还要快？哈。去哪里找资料的？

soon_808

请问有谁知道几时会上市呢？

江湖

AEON CREDIT 信用卡的市场在马来西亚， 我看市场占有率不很大，我身边没有一个人是使用其信用卡， 这行很经争， 还有银行已经开始割喉战
affin 开始减低利息从18% --〉9。99% 一年。

不过我还是看好Aeon credit, 因为百货业也很竞争， AEON(6599)Jusco也是做的有声有色。

[ 本帖最后由 江湖 于 10-7-2007 05:35 PM 编辑 ]

Mr.Business

AEON Credit经营信用卡和借贷业务；而AEON(6599)则是经营Jusco百货公司。

Mr.Business

香港的Aeon Credit Srivices (Asia)在1995年上市。看看她过去几年的业绩表现。好高的Operating Income Margin，证明这生意多么好赚，可是她的Charge for bad and doubtful debts也很高，所以拉底她的Net Profit Margin。这坏债管理我想也是AEON Credit要注意的。

Mr.Business

原帖由 江湖 于 10-7-2007 05:24 PM 发表
AEON CREDIT 信用卡的市场在马来西亚， 我看市场占有率不很大，我身边没有一个人是使用其信用卡。。。

就是市场额不大才有成长的空间。在Penang Jusco有AEON Credit的办事处，整天看到那些promoter在推销AEON Credit的信用卡。
又有Jusco给AEON Credit生意做。。。

delseefart

请问 IPO 价是多少？
几时截止？

Mr.Business

泰国的Aeon Thana Sinsap是在2001年上市, 看看她过去几年的业绩表现。