【AEONCR 5139 交流专区】永旺信贷

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Date of change	25 Apr 2018
Name	DATO ABDULLAH BIN MOHD YUSOF
Age	78
Gender	Male
Nationality	Malaysia
Designation	Chairman
Directorate	Independent and Non Executive
Type of change	Demised
Qualifications	Not applicable
Working experience and occupation	Not applicable
Family relationship with any director and/or major shareholder of the listed issuer	None
Any conflict of interests that he/she has with the listed issuer	None
Details of any interest in the securities of the listed issuer or its subsidiaries	(i) Ordinary Shares - 2,770 (Direct) and 69,000 (Indirect)(ii) Irredeemable Convertible Unsecured Loan Stocks (ICULS) -15,540 (Direct) and 138,000 (Indirect)

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SUMMARY OF KEY FINANCIAL INFORMATION 28 Feb 2018

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		28 Feb 2018	28 Feb 2017	28 Feb 2018	28 Feb 2017
		$$'000	$$'000	$$'000	$$'000

1	Revenue	309,173	290,842	1,235,122	1,101,955
2	Profit/(loss) before tax	105,366	103,064	398,335	351,162
3	Profit/(loss) for the period	82,308	80,053	300,057	265,027
4	Profit/(loss) attributable to ordinary equity holders of the parent	82,308	80,053	300,057	265,027
5	Basic earnings/(loss) per share (Subunit)	31.87	30.94	143.01	101.17
6	Proposed/Declared dividend per share (Subunit)	20.00	32.50	41.13	63.00
		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 ($$)	6.3700		6.6300

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AEON CREDIT SERVICE (M) BERHAD

EX-date	27 Jun 2018
Entitlement date	29 Jun 2018
Entitlement time	05:00 PM
Entitlement subject	Final Dividend
Entitlement description	Final Dividend of 20.00 sen per ordinary share under single-tier system in respect of the financial year ended 28 February 2018
Period of interest payment	to
Financial Year End	28 Feb 2018
Share transfer book & register of members will be	to   closed from (both dates inclusive) for the purpose of determining the entitlement
Registrar or Service Provider name, address, telephone no	SYMPHONY SHARE REGISTRARS SDN BHDLevel 6, Symphony HouseBlock D13, Pusat Dagangan Dana 1Jalan PJU 1A/4647301 Petaling JayaSelangor Darul EhsanTel:0378490777Fax:0378418151/8152
Payment date	19 Jul 2018
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	29 Jun 2018
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	0.2

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Date of change	08 May 2018
Name	MR NG ENG KIAT
Age	64
Gender	Male
Nationality	Malaysia
Type of change	Redesignation
Previous Position	Director
New Position	Chairman
Directorate	Independent and Non Executive
Qualifications	Malaysian Institute of Accountants (MIA)Malaysian Institute of Certified Public Accountants (MICPA)Fellow member of the Chartered Tax Institute of Malaysia CPA Australia
Working experience and occupation	He has more than forty (40) years of experience in the field of audit, accountancy and taxation. He had previously served as a member on a number of working groups of the Malaysian Accounting Standards Board, a co-opted member on a number of committees of the MICPA and an examiner for the final professional examination of the MICPA. Presently, he is the Managing Partner of the merged firm of Azman, Wong, Salleh & Co. and Folks DFK & Co.
Family relationship with any director and/or major shareholder of the listed issuer	Nil
Any conflict of interests that he/she has with the listed issuer	Nil
Details of any interest in the securities of the listed issuer or its subsidiaries	(i) 18,000 Ordinary Shares(ii) 36,500 Irredeemable Convertible Unsecured Loan Stocks (ICULS)

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Date of change	21 Jun 2018
Name	MR LEE KIT SEONG
Age	48
Gender	Male
Nationality	Malaysia
Designation	Executive Director
Directorate	Executive
Type of change	Retirement

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Date of change	21 Jun 2018
Name	MR KIYOAKI TAKANO
Age	54
Gender	Male
Nationality	Japan
Designation	Executive Director
Directorate	Executive
Type of change	Retirement
Qualifications	Not Applicable
Working experience and occupation	Not Applicable
Family relationship with any director and/or major shareholder of the listed issuer	None
Any conflict of interests that he/she has with the listed issuer	None
Details of any interest in the securities of the listed issuer or its subsidiaries	(i) 54,000 ordinary shares(ii) 108,000 Irredeemable Convertible Unsecured Loan Stocks (ICULS)

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Date of change	21 Jun 2018
Name	MR AJITH A/L JAYARAM
Age	37
Gender	Male
Nationality	Malaysia
Designation	Executive Director
Directorate	Executive
Type of change	Retirement
Qualifications	Not Applicable
Working experience and occupation	Not Applicable
Family relationship with any director and/or major shareholder of the listed issuer	None
Any conflict of interests that he/she has with the listed issuer	None
Details of any interest in the securities of the listed issuer or its subsidiaries	(i) 3,240 ordinary shares(ii) 6,500 Irredeemable Convertible Unsecured Loan Stocks (ICULS)

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SUMMARY OF KEY FINANCIAL INFORMATION 31 May 2018

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31 May 2018	31 May 2017	31 May 2018	31 May 2017
		$$'000	$$'000	$$'000	$$'000

1	Revenue	325,718	302,282	325,718	302,282
2	Profit/(loss) before tax	131,763	101,869	131,763	101,869
3	Profit/(loss) for the period	99,235	75,812	99,235	75,812
4	Profit/(loss) attributable to ordinary equity holders of the parent	99,235	75,812	99,235	75,812
5	Basic earnings/(loss) per share (Subunit)	38.43	28.98	38.43	28.98
6	Proposed/Declared dividend per share (Subunit)	0.00	0.00	0.00	0.00
		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 ($$)	5.4500		6.3700

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业绩超预期 財测上调　永旺信贷盘中涨逾5%

財经 最后更新 2018年06月29日 22时39分
（吉隆坡29日讯）最新业绩超越预期的永旺信贷（AEONCR，5139，主板金融股），获得分析员调高盈利预测，带动该公司股价在今天应声上涨，盘中最高触及14.66令吉，飆涨76仙或5.47%。该股最后收在14.40令吉，全天劲升50仙或3.6%，是第4大上升股。

永旺信贷昨天公布的2019財政年首季（截至5月31日止）税后盈利按年成长3 2 . 4 %，至9 5 6 0 万令吉， 超乎分析员预期，主要是因为採纳MFRS 9会计准则后，融资应收账款的拨备大幅减少，信贷成本从333.6个基点，降低至约154个基点。

此外，分析员指出，该公司盈利大增也归功于利息和非利息收入分別按年提高7.6%和8.6%。非利息收入包括呆账回收、保险佣金收入和客户忠诚计划的处理费。

资產素质良好

虽然净利息收入赚幅（ NIM ） 从13.2% ， 下滑至12.8%，但该公司的资產素质依然良好。该公司自2019財政年採纳MFRS 9会计准则，总呆账率从2018財政年末季的2.33%，降低至2.26%。

第一天採纳（ Day-1 adjustment）后，资產负债表调整了3亿4450万令吉，但对该公司的资本没有负面影响。

与此同时，分析员称，该公司首季总运营开销按年减少6.4%，而成本对收入比（CIR）方面，总运营开销占营业额的比重下降至50.6%，前期比重为58.2%。

该公司积极减少运营开销，相信有关比重將继续维持在健康的水平。

虽然凈营收账款只按年微增3.8%至69亿令吉，但艾芬黄氏资本分析员认为，永旺信贷的未来成长將更加迅速，因为该公司打算专注开拓高收入市场，以推动其信用卡、个人融资和汽车贷款业务。

该分析员说，「永旺信贷2019至2021財政年將有不错的业绩表现，归功于它的价值链转型、更高的应收账款回酬。此外，中低收入群体获得的2%所得税减免，料也將使该公司受益。」

MIDF 研究分析员相信，2019財政年的总运营开销將按年减少5.7%，因此略为上调永旺信贷2019財政年盈利预测，但该分析员並没有透露调升幅度。

营收稳定前景乐观

他表示，该公司进军电子钱包和电子货幣卡业务，有助于提高客户的忠诚度，並为公司带来稳定的营业额，因此乐观看待该公司前景。

肯纳格研究分析员也將2019至2020年的盈利预测，分別调高6%至7%，以反映应收账款减值损失缩小。

该分析员预测2019和2020財政年的每股盈利將分別成长12%和11%，而核心净利將分別提高16%和11%。

此外，他相信，该公司將在2019財政年派发每股46仙股息。

另一方面，永旺信贷去年杪遭內陆税收局追税和罚款共9682万令吉。

对此，管理层表示，该公司有强大的法律依据，可以质疑这笔税务的有效性。

该公司已经就高等法院在今年3月5日的裁决提交上诉申请，预计法院將在2022年至2023年开庭审理此案。

MIDF研究和艾芬黄氏资本都维持该股「买入」评级，前者將目標价从14.75令吉，提高至15.40令吉，后者则维持目標价在18.40令吉。

另外，肯纳格研究维持该股「与大市同步」评级，但將目標价从13.40令吉，调高至14.25令吉。【东方网财经】

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AEON CREDIT SERVICE (M) BERHAD

EX-date	27 Aug 2018
Entitlement date	29 Aug 2018
Entitlement time	05:00 PM
Entitlement subject	Loan Stock Interest
Entitlement description	First interest payment in respect of RM432,000,000 Nominal Value of 3-year 3.5%, Irredeemable Convertible Unsecured Loan Stocks 2018/2020
Period of interest payment	15 Sep 2017   to   15 Sep 2018
Financial Year End	28 Feb 2019
Share transfer book & register of members will be	to   closed from (both dates inclusive) for the purpose of determining the entitlement
Registrar or Service Provider name, address, telephone no	SYMPHONY SHARE REGISTRARS SDN. BHD.Level 6, Symphony HouseBlock D13, Pusat Dagangan Dana 1Jalan PJU 1A/4647301 Petaling JayaSelangor Darul EhsanTel: 03 7849 0777Fax:03 7841 8151/8152
Payment date	18 Sep 2018
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	29 Aug 2018
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	Percentage
Entitlement in Percentage (%)	3.5

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SUMMARY OF KEY FINANCIAL INFORMATION 31 Aug 2018

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		31 Aug 2018	31 Aug 2017	31 Aug 2018	31 Aug 2017
		$$'000	$$'000	$$'000	$$'000

1	Revenue	332,092	311,322	657,810	613,604
2	Profit/(loss) before tax	107,233	95,793	238,996	197,662
3	Profit/(loss) for the period	80,640	71,385	179,875	147,197
4	Profit/(loss) attributable to ordinary equity holders of the parent	80,640	71,385	179,875	147,197
5	Basic earnings/(loss) per share (Subunit)	31.03	27.30	69.45	56.22
6	Proposed/Declared dividend per share (Subunit)	22.25	21.13	22.25	21.13
		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 ($$)	5.5800		6.3700

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EX-date	16 Oct 2018
Entitlement date	18 Oct 2018
Entitlement time	05:00 PM
Entitlement subject	Interim Dividend
Entitlement description	Interim single-tier dividend of 22.25 sen per ordinary share for the financial year ending 28 February 2019
Period of interest payment	to
Financial Year End	28 Feb 2019
Share transfer book & register of members will be	to   closed from (both dates inclusive) for the purpose of determining the entitlement
Registrar or Service Provider name, address, telephone no	SYMPHONY SHARE REGISTRARS SDN. BHD.Level 6, Symphony HouseBlock D13, Pusat Dagangan Dana 1Jalan PJU 1a/4647301 Petaling JayaSelangor Darul EhsanTel: 03 7849 0777Fax: 03 7841 8185/8152
Payment date	08 Nov 2018
a.Securities transferred into the Depositor's Securities Account before 4:00 pm in respect of transfers	18 Oct 2018
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	0.2225

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Type	Announcement
Subject	TRANSACTIONS (CHAPTER 10 OF LISTING REQUIREMENTS) RELATED PARTY TRANSACTIONS
Description	AEON CREDIT SERVICE (M) BERHAD ("AEON CREDIT" OR "THE COMPANY") -        PROPOSED SUBSCRIPTION OF SHARES IN PT. AEON CREDIT SERVICE INDONESIA
The Board of Directors of the Company (“Board”) wishes to announce that AEON Credit would be entering into a transaction as set out in 1(i) of the attachment, which involves the interest of AEON Financial Service Co., Ltd. (“AFSJ”), the major shareholder of the Company, who is the related party. A further two (2) transactions entered into by the Company with the same related party (AFSJ) within the preceding twelve (12) months are set out in 1(ii) and 1(iii) of the attachment. Kindly refer to the attachment for further information. The announcement is dated 1 November 2018.

http://www.bursamalaysia.com/market/listed-companies/company-announcements/5963253

Attachments ACSM - Proposed Subscription of Shares in ACSID.pdf

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信贷账款增．永旺信贷第三季多赚24%
http://www.sinchew.com.my/node/1823744/

SUMMARY OF KEY FINANCIAL INFORMATION 30 Nov 2018

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		30 Nov 2018	30 Nov 2017	30 Nov 2018	30 Nov 2017
		$$'000	$$'000	$$'000	$$'000

1	Revenue	348,497	312,345	1,006,307	925,949
2	Profit/(loss) before tax	118,072	95,307	357,068	292,969
3	Profit/(loss) for the period	87,136	70,552	267,011	217,749
4	Profit/(loss) attributable to ordinary equity holders of the parent	87,136	70,552	267,011	217,749
5	Basic earnings/(loss) per share (Subunit)	33.35	28.74	102.80	110.93
6	Proposed/Declared dividend per share (Subunit)	0.00	0.00	22.25	21.13
		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 ($$)	5.6600		6.3700

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永旺信贷-对追税上诉有信心
http://www.enanyang.my/news/20181222/永旺信贷br-对追税上诉有信心/

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Type	Announcement
Subject	OTHERS
Description	AEON CREDIT SERVICE (M) BERHAD ("THE COMPANY" OR "AEON CREDIT") - MONEY LENDING LICENCE
The Board of Directors of AEON Credit is pleased to announce that the Company had on 14 January 2019 received the approved letter dated 11 January 2019 from the Ministry of Housing and Local Government (“the Ministry”) granting AEON Credit a Money Lending Licence (the “Licence”) under the Moneylenders Act 1951 [Act 400] and Moneylenders (Control and Licensing) Regulations 2003. The Licence shall be valid for a period of two (2) years effective from the date of this announcement, i.e. 15 January 2019. The approval allows AEON Credit to undertake any business of those relating to the money lending activities which complements its existing business. This announcement is dated 15 January 2019.