Harimau Capital

Financial Performance

Net Profit rose 40% to RM 84.479Million
Total operating income of RM 325.397 Million 41% higher than last FY
Total operating income of RM 325.397 Million 41% higher than last FY
Total Receivables of RM 3.048 Billion increased 63%  from last FY

Operational Performance

Card member base 1,239K Credit Card :  182K
Express Card : 1,056K
Number of merchant outlets : Over 6,000
Number of Co. branches : 40



AEON Credit still in rapid grow phase with increased 63% from last FY13



The biggest business is from motorcycle financing but Car Easy Payment (CEP) is the fastest growth segment to drive the AEON Credit to expand further. As mentioned by MD before if AEON Credit able to capture 10% of  used car market business,  the loan book size will be double of existing size. Hence, I believe the CEP will enjoy rapid grow in next few years.

 Aeon Credit is also growing the loan book of the bigger capacity bikes (targeted at higher-end customers) to diversify its customer profile and to improve yields.

New regulations – Personal Financing by BNM has minimal impact of personal financing as AEON Credit. The tenure for all personal financing products offered by Aeon Credit max is 5 years.



























The Company expects to be able to maintain its good performance in the current financial year based on
current strong domestic demand and positive market trend. The Company will continue to open new
branches and expand its business further.

This is one of the company that you might to invest while their business still in rapid growth phase. The current loan book value is RM 3 billion which is consider relatively small and there is plenty of room for the company to grow bigger.