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AEON CREDIT POWERS MALAYSIAN MOTORSPORTS: SPONSORS HAKIM DANISH’S MOTO3™ WILDCARD DEBUT UNDER AEON CREDIT SIC RACING MSI TEAM

Following the recent announcement of his Moto3™ wildcard entry, Hakim Danish Ramli is set to make his home debut on the world stage under the AEON Credit SIC Racing MSI Team at the upcoming PETRONAS Grand Prix of Malaysia 2025 (MotoGP™ Malaysia), scheduled from 24 to 26 October 2025.

The Moto3™ Wildcard Team Reveal Ceremony, held today at PETRONAS Sepang International Circuit (SIC), was graced by YB Hannah Yeoh, Minister of Youth and Sports Malaysia, alongside key representatives from AEON Credit Service (M) Berhad (AEON Credit), SIC, and ZK Racing Sdn. Bhd. (ZK Racing).

The event also witnessed the signing of a Memorandum of Understanding (MoU) between AEON Credit and ZK Racing, formalising a strategic partnership to advance Malaysian motorsports development through the Malaysian Motorsports Development (MDEV) Blueprint – a structured two-wheel talent development pathway jointly championed by the Ministry of Youth & Sports (KBS) and SIC.

This builds upon AEON Credit’s earlier collaboration with SIC, where AEON Credit was appointed as the Official Circuit Partner. The partnership was formalised through the signing of a Letter of Understanding (LOU) between Azhan Shafriman Hanif, Chief Executive Officer of SIC, and Daisuke Maeda, Managing Director of AEON Credit, underscoring both organisations’ shared commitment to growing Malaysia’s motorsports ecosystem and nurturing homegrown talent.

YB Hannah Yeoh said, ”Hakim Danish’s wildcard represents Malaysia’s belief in what is possible when the Government, private sector, and motorsports community come together. The support from AEON Credit is a great example of how private sector can make a real difference. Their contribution helps riders like Hakim Danish go further and shows our youth that big dreams are achievable. I hope more companies will come forward to be part of this journey.”

The Ministry of Youth & Sports (KBS) has allocated RM3 million for the 2025 High- Performance MDEV Programme, with an additional RM1 million to support Hakim Danish’s participation in the FIM JuniorGP World Championship 2025 through the Kumpulan Wang Amanah Sukan Negara (KWASN).

In line with the national effort, AEON Credit has contributed RM1 million towards Hakim Danish’s Moto3™ wildcard debut, marking the company’s first major step into motorsports and reinforcing its long-term commitment to youth empowerment, community development, and national talent growth.

Ng Eng Kiat, Chairman of AEON Credit, said that AEON Credit is proud to play a meaningful role in empowering Malaysia’s motorsport talent. “This collaboration goes beyond sponsorship as it represents our belief in opportunity, discipline, and national pride. Through this partnership, we hope to inspire young Malaysians who may not have the financial means but possess the drive and determination to succeed. Motorsport reflects the same spirit we uphold at AEON Credit — perseverance, passion, and the pursuit of excellence. Together with SIC and ZK Racing, we are turning dreams into reality and nurturing the next generation of champions,” he said.

Azhan Shafriman Hanif, Chief Executive Officer of SIC shared, ”Hakim Danish is the first born of the development programme. We have seen him grow with us since he was 12 years old in SIC MiniGP Championship, and now, he will be on the MotoGP™ grid as proof that the ladder we built really works. This is exactly what the MDEV Blueprint was designed to achieve, taking young talents from grassroots to the Grand Prix. His wildcard debut is not just a milestone for Hakim Danish, but also for every technical crew, mechanic, and partner like AEON Credit who believed in the system. To all motorsports fans, come to Sepang, fill the grandstands and show your support for Hakim Danish as he races among the world’s best on home soil.”

Fans can catch Hakim Danish and the AEON Credit SIC Racing MSI Team in action at the MotoGP™ Malaysia and grab the opportunity to cheer for him live in Sepang. In support of the Malaysia MADANI agenda, SIC continues its Tiket Rahmah initiative, offering K2 Hillstand tickets at RM49.90. Tickets are available at www.sepangcircuit.com.

For more information and updates on events and activities, follow AEON Credit, SIC, and ZK Racing’s official social media channels.

For any media inquiries, please contact:

ZK Racing Media Relations – admin@zkracing.com.my
AEON Credit Corporate Communications – corp_communication@aeoncredit.com.my

AEON CREDIT POSTS 14.1% REVENUE GROWTH IN Q2FYE26

Announces 13.00 sen Interim Dividend, Demonstrating Commitment to Shareholder Value

AEON Credit Service (M) Berhad (“AEON Credit” or “the Group”) today reported a 14.1% year-on-year (“YoY”) growth in revenue to RM617.88 million for the second quarter ended 31 August 2025 (“Q2FYE26”), compared to RM541.43 million in the corresponding quarter last year (“Q2FYE25”). The revenue growth was mainly driven by stronger loan and financing activities, with total transaction and financing volume increasing 8.7% to RM2.35 billion, from RM2.16 billion in Q2FYE25, underscoring sustained portfolio growth and healthy customer demand.

Gross financing receivables expanded to RM15.15 billion as at 31 August 2025, an increase of RM1.96 billion from a year earlier, driven by growth in personal financing, credit card business and auto financing. The Non-Performing Loans (“NPL”) ratio improved to 2.49% from 2.57% on 31 May 2025. Proactive measures are being implemented to address the increase and preserve asset quality, including the strategic expansion into middle-income segment to drive quality asset growth.

Other income strengthened to RM56.35 million, up from RM52.03 million in Q2FYE25, supported by improved bad debt recoveries, reflecting the Group’s resilience in managing its financing portfolio.

For the quarter under review, the Group recorded a Profit Before Tax (“PBT”) of RM103.05 million, a 1.9% increase compared to RM101.04 million in Q2FYE25. Profit After Tax (“PAT”) rose 1.5% to RM72.23 million, from RM71.16 million in the previous corresponding quarter. This is despite accounting for the Group’s share of losses amounting to RM18.50 million from its associate company, AEON Bank (M) Berhad (“AEON Bank”). These losses primarily stemmed from ongoing strategic investments in product development, IT infrastructure, and operating capacity, aligned with AEON Bank’s roadmap to deliver differentiated digital banking solutions. These upfront investments in technology, talent, and marketing are expected to support AEON 2/3 Bank’s long-term growth trajectory.

For the financial period-to-date (“1HFYE26”), the Group’s total transaction and financing volume grew by 11.2% to RM4.59 billion, compared to the corresponding period last year (“1HFYE25”). This translated into a 14.5% increase in total revenue to RM1.22 billion, from RM1.06 billion in 1HFYE25, reflecting sustained demand and portfolio expansion.

The Group recorded a lower PBT of RM212.08 million, compared to RM245.96 million in the same period last year. The decline was mainly due to higher impairment losses on financing receivables by RM115.92 million and higher operating expenses of RM27.38 million in line with the increased transaction and financing activities. The impact was partially mitigated by incremental revenue gains during the period. The Group is mitigating impairment risks through prudent credit risk management, including digital assessments and AI-based scoring to strengthen customer selection, tighter controls on underperforming segments, and enhanced collection strategies. These measures, together with a diversified portfolio approach, will underpin sustainable growth and asset quality.

The Board has proposed the payment of an interim single-tier dividend of 13.00 sen per share for the financial year ending 28 February 2026, amounting to RM66.38 million, representing a dividend payout ratio of 44.3%. The proposed dividend, payable on 6 November 2025, reflects the Group’s continued commitment to delivering sustainable returns and creating value for shareholders.

PROSPECTS:

Malaysia’s Gross Domestic Product (“GDP”) expanded by 4.4% in the second quarter of 2025, supported by domestic consumption and investment. Bank Negara Malaysia has revised its 2025 growth forecast upwards, from 4.0% to 4.8%, providing a more supportive outlook for consumer and financing demand. Against this backdrop, AEON Credit will maintain a cautious stance, focusing on quality asset growth, prudent credit risk management, and operational efficiency.

This quarter saw a joint venture with AEON CO. (M) BHD to establish AEON360, a platform to integrate customer membership, data intelligence and digital engagement, enabling seamless rewards and personalised offers across AEON’s ecosystem, in line with its purpose of “Bring 3/3 Finance Closer to Everyone”.

The new entity will manage AEON Group’s customer loyalty platform and is expected to expand its services to external partners. Upon AEON Credit’s subscription of a 51% share in AEON360, the company will be recognised as a subsidiary of AEON Credit.

Additionally, AEON Bank has launched AEON Bank Biz, a Shariah-compliant business banking solution aimed at empowering Malaysian businesses through ethical, inclusive, and digitally optimised banking services. Its offerings include Business Current Account-i and integrated cash management capabilities. Initial onboarding will focus on corporate customers within the AEON Group of Companies in Malaysia, facilitating the disbursement of AEON Credit loans to their customer and enabling settlement with AEON Credit’s motorcycle leaders and AEON Retail supplier upon the completion of business banking products development.

Barring unforeseen circumstances, the Group expects to sustain its business momentum for the financial year ending 28 February 2026.

AEON CREDIT & MUFG SIGN INAUGURAL SOCIAL LOAN – THE LARGEST SOCIAL LOAN IN MALAYSIA

Landmark financing is Malaysia’s largest social loan and aims to support financial inclusion
to underserved populations.

MUFG Bank (Malaysia) Berhad (MUFG), a subsidiary of Mitsubishi UFJ Financial Group, Inc. has signed a MYR 500 million social loan with AEON Credit Service (M) Berhad (AEON Credit), the country’s leading financial service provider.

This landmark transaction is Malaysia’s largest social loan to date and also marks the bank’s debut transaction of its kind in the country. It is also MUFG’s fourth sustainable finance transaction with AEON Credit in the Asia Pacific region, underscoring the longstanding relationship between both companies and a joint alignment towards promoting sustainability and delivering positive social outcomes.

The social loan is designed to support AEON Credit’s efforts in extending financing to underserved communities, including low-income groups and small businesses in new growth areas, while advancing financial inclusion in alignment with Bank Negara Malaysia’s Financial Inclusion Framework 2023-2026.

Structured in alignment with the Social Loan Principles published by the Loan Market Association, Asia Pacific Loan Market Association and Loan Syndications & Trading Association, the facility ensures adherence to globally recognised standards. AEON Credit will provide annual disclosures to lenders, detailing the allocation of proceeds and the social outcomes achieved.

Daisuke Maeda, Managing Director of AEON Credit, said: “Since our establishment, AEON Credit has remained steadfast in its mission to empower underserved communities. Guided by our enhanced three-year sustainability roadmap, with financial inclusion at its core, we are proud to launch our inaugural Social Loan facility in partnership with MUFG Malaysia.

This financing initiative will provide essential working capital support to underserved customers, particularly individuals with a gross monthly income of MYR 2,500 and below, as well as those residing in underrepresented regions. Beyond expanding access to financial services, this initiative reflects our commitment to aligning business growth with meaningful social impact, strengthening our responsibility to society, in line with the AEON Group’s sustainability vision.”

Motohide Okuda, Chief Executive Officer and Country Head of Malaysia, MUFG, said: “This transaction marks a significant milestone in Malaysia’s sustainability financing landscape and reinforces our ongoing commitment to supporting our clients’ ambitions to create long-lasting positive impact. We are honoured to be AEON Credit’s trusted partner once again—this being our second sustainable finance transaction in Malaysia. This continued confidence reflects the strength of our relationship and shared dedication to fostering inclusive and resilient growth in Malaysia. At MUFG, we are committed to empowering a brighter future and will continue to play a meaningful role in our clients’ sustainability journeys.”

Strengthening Malaysia’s Sustainable Finance Ecosystem

The partnership between AEON Credit and MUFG strengthens the financial sector’s role in advancing social impact in Malaysia, complementing existing green and sustainability-linked financing solutions. It also supports national objectives outlined in the Twelfth Malaysia Plan and aligns with the United Nation’s Sustainable Development Goals (SDGs), particularly SDG 10: Reduced Inequalities.

AEON Credit Announces the Incorporation of AEON360 Sdn. Bhd.

AEON Credit Service (M) Berhad (“AEON Credit”) is pleased to announce the incorporation of AEON360 Sdn. Bhd. (“AEON360”), a new joint venture company established with AEON CO. (M) BHD (“AEON CO.”) to unify AEON Group of Companies in Malaysia’s (“AEON Group”) ecosystem and accelerate customer-centric growth across Malaysia.

This follows the signing of the Joint Venture and Shareholders’ Agreement on 19 August 2025.

AEON Credit holds 51% of AEON360, while AEON CO. holds the remaining 49%. AEON360 is tasked with integrating membership services, data intelligence and digital engagement across all AEON Group with businesses spanning retail, finance, digital services and lifestyle offerings.

Company Name	AEON360 Sdn. Bhd. Registration no: 202501043624 (1645032-M)
Date of Incorporation	17 September 2025
Paid-up capital	Initial share capital of RM100 was issued upon incorporation. The subsequent subscription is scheduled for completion in October 2025, will bring the total paid-up capital to RM50 million.
Shareholding Structure	AEON Credit: 51% AEON CO.: 49%
Managing Director	Low Ngai Yuen
Business Address	Level 18, UOA Corporate Tower, Avenue 10, The Vertical, Bangsar South City, No. 8, Jalan Kerinchi, 59200 Kuala Lumpur, W.P. Kuala Lumpur
Type of Business	Data processing and analytics, technology-driven platforms, membership and loyalty programme, advertising, and e-commerce enablement.

AEON360 will serve as the central intelligence layer connecting AEON Group’s ecosystem of businesses. It is designed to deliver a unified membership experience and provide customers with real-time personalization and consistent value across retail, financial, digital and lifestyle services.

By enabling intelligence-driven access to AEON’s 360° customer view, AEON360 empowers both internal business units and external partners to engage meaningfully with AEON Group’s customers—supporting new forms of collaboration, campaign targeting and ecosystem insights’ access.

This initiative reinforces the Group’s belief that “customers are our starting point” and drives forward our collective mission “to create a future lifestyle that leads to a smile for each and every person.”

AEON360 is expected to commence operations in October 2025. The joint venture is an investment by both AEON Credit and AEON CO. in future-proofing the AEON Group through ecosystem thinking, digital infrastructure and data-led innovation—delivering long-term value to customers, partners and shareholders alike.

AEON AND AEON CREDIT SIGN JOINT VENTURE TO BUILD A FUTURE-READY MEMBERSHIP AND DATA ECOSYSTEM

The JV aims to be AEON Group’s unified membership program, supporting crossplatform marketing efforts while providing customers with a holistic retail and financial
experience
The venture also serves as the Group’s gateway for merchants and partners seeking
to engage with AEON Group’s large and diverse customer base

Two of Malaysia’s leading public-listed companies under the AEON Group – AEON CO. (M) BHD. (“AEON”) and AEON Credit Service (M) Berhad (“AEON Credit”) – have formalized a strategic joint venture (“JV”) to establish a new entity that will drive the integration of customer membership, data intelligence and digital engagement across the AEON ecosystem in Malaysia.

This initiative is anchored in AEON Group’s vision that “customers are our starting point” and embraces our mission “to create a future lifestyle that leads to a smile for each and every person.” Customers can look forward to seamless access to benefits across AEON’s retail stores, e-commerce, financial services and digital banking, as well as the access to use and redeem rewards in more ways than ever before, and timely offers that fit their needs – making every interaction simpler and more rewarding.

With the required regulatory approvals, the JV will be jointly owned by AEON Credit (51%) and AEON 49%), with an initial paid-up capital of RM50 million. The JV is set to become a centralised orchestration layer that brings together customer engagement, digital media, data analytics and marketing solutions across retail, finance, digital and lifestyle touchpoints within the AEON ecosystem.

“This JV unlocks the true ecosystem synergy – bringing together retail, financial services and digital capabilities to create seamless added value for our customers,” said Mr. Daisuke Maeda, Managing Director of AEON Credit.

Mr. Maeda added, “With AEON Bank joining the synergy as the JV’s official bank, it strengthens our shared commitment to digital innovation and data-driven growth. AEON Bank will also support AEON partners through business banking solutions, complementing the JV’s role in driving platform partnerships that benefit all AEON Group’s customers.”

Beyond customer benefits, the new entity will also act as a commercial data and marketing exchange hub, enabling AEON Group companies and partners to engage with AEON’s large customer base with greater relevance and impact.

“By aligning our retail scale with AEON Credit’s digital and financial infrastructure, we are cocreating an intelligent membership ecosystem designed to grow with our customers,” said Mr. Naoya Okada, Managing Director of AEON. “This JV is a cornerstone of our long-term digital transformation and group synergy strategy.”

As part of its development, the JV will unify data and membership management across AEON’s entities – namely AEON, AEON BiG Sdn. Bhd., AEON Credit, and AEON Bank Berhad, establishing a foundation for deeper ecosystem integration and shared value creation. The JV is expected to commence operations by the fourth quarter of 2025, subject to regulatory and operational readiness, marking a significant joint investment in future-proofing the AEON brand for a digital-first consumer era.

AEON CREDIT WINS COMPANY OF THE YEAR FOR ENVIRONMENTALSTEWARDSHIP AND COMMUNITY CARE AT SUSTAINABILITY & CSR MALAYSIA AWARDS 2025

AEON Credit Service (M) Berhad (“AEON Credit” or the “Group”) has received the “Company of the Year (Financial Services) for Environmental Stewardship and Community Care” award at the Sustainability and CSR Malaysia Awards 2025. This marks the second consecutive year the Group has received this honor, underscoring its dedication to realising AEON’s Foundational Ideals – to pursue peace, respect humanity, and contribute to communities, always with customers as the starting point.

The awards ceremony held at Berjaya Times Square Hotel and officiated by Yang Berhormat Datuk Seri Dr. Noraini Ahmad, Deputy Minister of Women, Family and Community Development, is hosted annually by CSR Malaysia. The event celebrates outstanding Malaysian companies that have delivered meaningful and purpose-driven initiatives contributing to the nation’s socio-economic progress and environmental sustainability.

Ng Eng Kiat, Chairman of AEON Credit, said: “We are honoured to be recognised as “Company of the Year for Environmental Stewardship and Community Care”. This award affirms the achievements of our three year Sustainability Roadmap and reflects our ongoing commitment to integrating Environmental, Social and Governance (“ESG”) practices into our business strategies. Through these efforts, we aim to foster inclusive growth and solidify our position to be a leading ESG-driven company in Malaysia.”

Over the past year, AEON Credit has driven impactful environmental and community initiatives, including planting 10,000 trees in Kinta Nature Park under AEON Credit Biodiversity Afforestation Project to restore a former tin-mining site and protect local biodiversity. The Group also led annual coastal clean-ups across Malaysia, removing waste and planting 3,000 mangrove saplings to support coastline conservation.

To promote sustainable consumer behaviour, AEON Credit has introduced a range of green and social financing and solutions including electric motorcycle financing, energy efficient home appliances financing and virtual credit cards, supporting consumers in making more sustainable choices.

Beyond environmental efforts, AEON Credit remains committed to social empowerment through its Corporate Social Responsibility (“CSR”) programmes. In collaboration with the Malaysian AEON Foundation, the AEON Smart Classroom Project enhanced digital learning in 20 schools nationwide. Additionally, financial and digital literacy initiatives also had benefited students and teachers. In FYE2025, CSR efforts reached over 3,800 individuals with total contributions amounting to RM2.43 million.

AEON Credit’s ESG efforts have also garnered global recognition. The Group received an “AA” for MSCI ESG Rating in 2025 and remains a constituent of the FTSE4Good Index Series, reflecting its strong sustainability performance.

Further reinforcing its market strength, RAM Rating Services Berhad reaffirmed AEON Credit’s credit ratings at AA3/Stable and A1/Stable for its Senior and Subordinated Sukuk Walalah Programme respectively, as well as a P1 rating for its Islamic Commercial Paper Programme, highlighting the Group’s solid financial position, resilient asset quality, and sustainable profitability.

Looking ahead, AEON Credit remains committed to advancing sustainable finance and digital innovation. By integrating ESG principles into its core operations and continuously engaging with communities, AEON Credit aims to build a more inclusive and sustainable future for all Malaysians.

AEON CREDIT Q1FYE26 REVENUE INCREASED BY 14.9%

AEON Credit Service (M) Berhad (“AEON Credit” or “the Group”) today reported a 14.9% year-on-year (“YoY’) growth in revenue to RM599.92 million in the first quarter ended 31 May 2025 (“Q1FYE26”), compared to RM522.26 million in the preceding year corresponding quarter ended 31 May 2024 (“Q1FYE25”).

The Group recorded a 13.9% growth in total transaction and financing volume, reaching RM2.25 billion in Q1FYE26 from RM1.98 billion in Q1FYE25. This growth was underpinned by AEON Credit’s continued strategic expansion into the middle-income segment and targeted marketing campaigns have improved both the Payment Business and Personal Financing with growth of 22% and 23% respectively compared to corresponding quarter last year.

Correspondingly, gross financing receivables rose to RM14.63 billion, an increase of 15.6% YoY, driven by Payment Business, Personal Financing and Vehicle Financing. The Group remains committed to prudent credit risk management, emphasis on quality asset growth. This includes targeting good scores applicants, strengthening engagement with FinPlus members – existing customers with proven repayment records and expanding premium product financing. As a result, the Non-Performing Loans (“NPL”) ratio improved to 2.57%, reduced from 2.64% as February 2025.

For the quarter under review, Profit Before Tax (“PBT”) and Profit After Tax (“PAT”) stood at RM109.03 million and RM77.55 million respectively after accounting for a RM15.92 million share of losses from its associate company, AEON Bank. The bank’s losses contributed from ongoing investments in product development, IT infrastructure and operating expenses which are aligned with its roadmap to deliver differentiated digital banking products. These upfront investments in technology, talent and marketing to support long-term growth.

Prospect:

Malaysia’s Gross Domestic Product (“GDP”) grew by 4.4% in the first quarter of 2025, driven by sustained household spending and supported by a robust labour market. This represents a slight moderation from the 5.0% growth recorded in the fourth quarter. Bank Negara Malaysia projects the national economy to expand between 4.5% and 5.5% in 2025, supported by continued domestic expenditure growth and improving external demand.

Amid global trade and tariff uncertainties, heightened geopolitical tensions and inflationary pressures, the Group continues to adopt a cautious approach in its business operations and remain prudent with a focus on growing quality assets via middle-income segment expansion while closely managing the credit risks within its financing portfolios.

In line with the Group’s purpose of “Bring Finance Closer to Everyone”, AEON Credit launched the AEON Biker Visa Cards in June 2025, designed to meet the lifestyles needs of Malaysia’s dynamic motorcycling community. This initiative reinforces the Group’s commitment to product innovation, financial inclusivity and expanding its credit card portfolio with targeted offerings.

The Group is also strengthening its digital infrastructure to enhance operational efficiency and build a customer-centric ecosystem through the AEON Living Zone. Ongoing collaborations within the Group aim to deepen customer engagement, extend market reach, and reinforce brand loyalty through a unified digital ecosystem.

Looking ahead, barring any unforeseen developments, AEON Credit remains cautiously optimistic about sustaining resilient business performance for the financial year ending 28 February 2026. The Group will continue to prioritise operational efficiency and pursue strategic investments, including in technology, to drive long-term sustainable growth.

AEON CREDIT CONCLUDES 28TH ANNUAL GENERAL MEETING WITH STRONG GROWTH IN FYE2025

AEON Credit Service (M) Berhad (“AEON Credit” or “the Group”) today held its 28thAnnual General Meeting (“AGM”) and shareholders were briefed on the Group performance and strategic progress. This integrated approach reflects AEON Credit’s long-term commitment to “Bring Finance Closer to Everyone” through accessible, inclusive and comprehensive financial solutions.

In line with our commitment to delivering shareholder value, AEON Credit’s proposal for the payment of a final single-tier dividend of 14.50 sen per share was approved by shareholders. This brings the total dividend to 28.75 sen per share, amounting to RM146.80 million for FYE2025 and representing a payout ratio of 39.6%.

For the financial year ended 28 February 2025 (“FYE2025”), AEON Credit delivered a creditable growth for the year, with revenue increased by 15.1% year-on-year to RM2.20 billion, supported by strong growth across all key products. The Group maintained operational efficiency with a cost-to-income ratio (excluding impairment losses) of 28.2%, supported by ongoing digital transformation and process optimization efforts.

Profit from operation before accounting for the losses recorded from associate company, AEON Bank remained stable at RM581.84 million, consistent with the previous year’s performance. The Group’s Profit After Tax recorded at RM370.61 million after equity accounted losses of RM68.33 million from AEON Bank.

Total transaction volume grew by 15.3% to RM8.41 billion, while gross receivables reached RM14.12 billion, exceeding the Group’s 10% annual growth target. Momentum was driven by robust performance in Automobile Financing, Personal Financing and Payment Business.

“Our performance in FYE2025 reflects the strength of our strategy and our ability to adapt to change while driving sustainable growth,” said Mr. Daisuke Maeda, Managing Director of AEON Credit. “With AEON Bank now operational, we are entering a new era of ecosystem-led expansion, enabling us to better serve the evolving needs of our customers.”

To support its growth, AEON Credit automated its credit assessment process, the upgraded Loan Origination System enabled 41% of applications to be processed automatically, with 19% approved instantly via AI-driven credit scoring. The rollout of a new Collection System improved collection response times, boosting collection productivity by 22% and achieving a 97.57% collection ratio for billing accounts not past due (D0). The risk-based collection strategy supported by an AI-driven scoring model, further enhanced collection performance and productivity.

Looking ahead, we remain focused on driving revenue expansion, strengthening asset quality and enhancing operational efficiency while staying agile in a dynamic market environment. Under the AEON Living Zone vision, AEON Credit continues to foster Group synergies through collaboration initiatives across the AEON ecosystem. The expansion of AEON Wallet functionalities, embedding onboarding capabilities for financing, retail, insurance and banking products aims to create a centralised hub for both financial services and lifestyle needs. This is further supported by revamp of the Group’s tiered AEON loyalty programme, enabling us to broaden our market reach and unlock new growth opportunities.

“These initiatives position us well to unlock long-term value for our customers and stakeholders. We remain focused on leveraging our ecosystem to deliver innovative, responsible, and customer-centric financial solutions,” Mr. Maeda concluded.

All resolutions listed in the Notice of Annual General Meeting (“AGM”) dated 25 May 2025 and tabled at 28th AGM today were duly approved by the shareholders of the Company, except for Ordinary Resolution 8, which has been withdrawn.

BRINGING FINANCE CLOSER TO RIDERS: AEON CREDIT UNVEILS MALAYSIA’S FIRST-EVER BIKER VISA CARDS FOR THE MOTORCYCLE COMMUNITY

KUALA LUMPUR, 17 JUNE 2025 – AEON Credit Service (M) Berhad (“AEON Credit” or “the Group”) today announced the launch of its AEON Biker Infinite Visa and AEON Biker Gold Visa cards, Malaysia’s first ever credit cards tailored specifically for the motorcycle community, developed in collaboration with Visa.

The AEON Biker Visa Cards were officially unveiled at a launch ceremony held at The Estate on Federal Hill, in the presence of Mr. Previn Pillay, Visa Country Manager for Malaysia, along with esteemed guests, business partners and members of the media. The launch marks a significant step forward in AEON Credit’s ongoing efforts to deepen engagement with Malaysia’s dynamic motorcycling community while expanding its credit card portfolio.

In line with the Group’s purpose of “Bringing Finance Closer to Everyone”, AEON Credit continues to deliver financial solutions that are timely, accessible, and tailored to evolving customer needs. As a market leader in motorcycle financing, the Group currently holds approximately a 25% market share of newly registered motorcycles in the country. The introduction of the AEON Biker Visa Cards represents the next phase in its commitment to support customers beyond vehicle ownership by enhancing the riding lifestyle, rewarding everyday spending, and fostering a connected and empowered community of riders.

Mr. Daisuke Maeda, Managing Director of AEON Credit, said, “As Malaysia progresses toward high income nation status, motorcycles are no longer just a necessity but a lifestyle choice. The AEON Biker Card is our response to this evolution, designed to support the needs and aspirations of today’s modern riders.”

AEON Biker Gold Visa	AEON Biker Infinite Visa
Cashback	Cashback
– Up to 5% cashback on motorcycle spare parts, accessories and merchandise – 2% cashback on Petrol and complimentary insurance coverage – 0.5% cashback on all other transactions	– Up to 8% cashback on motorcycle spare parts, accessories and merchandise – 2% cashback on petrol and complimentary insurance coverage – 0.5% cashback on all other transactions
Exclusive invitations to premier biking events, such as the AEON Credit MAM Malaysia Superbike Championship and MotoGP
	Travel – Up to 8x complimentary airport lounge access – 24/7 Visa Concierge Services

He further added, “These benefits are all part of our broader vision to cultivate a vibrant and connected biking community in Malaysia that celebrates freedom, passion, and shared experiences. This is just the beginning, as we are also collaborating with our merchants and manufacturers to bring even more privileges, promotions and custom deals through the AEON Wallet app, making the biking experience not only more rewarding but also safer and more accessible.”

“At Visa, we are thrilled to announce this partnership with AEON Credit, which is uniquely tailored to meet the needs of the biking community. With nearly 83 per cent of Malaysian households owning a motorbike, it underscores the significance of this community and highlights the need to create benefits that support and enhance the experiences of bikers. Our collaboration with AEON Credit to serve this segment of customers is testament to our ongoing efforts to cater to the diverse segments of our community, ensuring that every Visa cardholder can enjoy the advantages that align with their interests and way of life,” said Mr. Previn Pillay, Visa Country Manager for Malaysia.

Applications for the AEON Biker Visa Cards can be made easily and digitally via the AEON Wallet App or AEON Credit’s website at https://myaeoncredit.com.my/.

PETRONAS SEPANG INTERNATIONAL CIRCUIT AND AEON CREDIT SERVICE (M) BERHAD SEAL CIRCUIT PARTNERSHIP TO ADVANCE TWO-WHEEL MOTORSPORTS GROWTH

Wednesday, 23 April 2025 – PETRONAS Sepang International Circuit (SIC) and AEON Credit Service (M) Berhad (AEON Credit) today announced a partnership, marking AEON Credit’s role as Official Circuit Partner. This collaboration was formalised through the signing of a Letter of Understanding (LOU) between Encik Azhan Shafriman Hanif, Chief Executive Officer of SIC, and Mr. Daisuke Maeda, Managing Director of AEON Credit.

This strategic partnership reflects a shared objective of advancing Malaysian motorsports, with a strong focus on engaging the two-wheel racing community, and enhancing the overall experience for motorsports enthusiasts. Through this partnership, AEON Credit will play a prominent role across SIC’s two flagship events; PETRONAS Grand Prix of Malaysia (MotoGP™ Malaysia) and Malaysia Superbike Championship (MSBK).

Encik Azhan Shafriman Hanif shared, “We are proud to welcome AEON Credit as a key partner in our continued journey to grow motorsports in Malaysia. This partnership strengthens our ability to create meaningful experience for motorsports enthusiasts both on and off track, as well as within the broader motorsport ecosystem. AEON Credit shares our vision of building a strong, sustainable future for the sport, particularly within the two-wheel racing scene, and I look forward to what we will accomplish together.”

Echoing that sentiment, Mr Daisuke Maeda added, “We are truly honoured to be part of this exciting new chapter in Malaysian motorsports. This partnership reflects AEON Credit’s long-standing commitment to supporting and advancing the sport while staying true to our purpose of Bringing Finance Closer to Everyone, ensuring that financial solutions are accessible when it is needed most. We aim to bring our brand closer to the people, deepen customer engagement, and contribute to the sport’s continued success, creating a lasting impact within the local sporting ecosystem.”

This collaboration is designed to deliver mutual value by enhancing fan experiences, building community focused initiatives, and strengthening brand presence across these platforms. Through co-branded campaigns, digital content, and on-ground activations, SIC and AEON Credit will work hand-in-hand to elevate motorsports from the grassroots level to the global stage.

SIC and AEON Credit will collaborate closely to activate this partnership through integrated marketing initiatives and memorable fan experiences ach in the lead-up to and during the MSBK and MotoGP™ events.

For more information and updates on events, activities and media inquiries, please contact: