【AEONCR 5139 交流专区】永旺信贷

Mr.Business

配合上市，AEON Credit要聘请Investor Relations Manager，有人要应征吗？

  

  AEON Credit Service (M) Berhad

Established in Japan, AEON Credit Service (M) Berhad is a leading company in Malaysia providing a range of financial services to individuals for over 10 years. It currently has over 1,100 employees and a branch network covering all the major cities and towns in Malaysia. It is part of the listed AEON Credit Service Co. Ltd in Japanwhich has several subsidiaries operating in various parts of the world.The holding company AEON Credit Service Co. Ltd., is listed on the mainboard of the Tokyo Stock Exchange and has public listed subsidiaries inHong Kong and Thailand.

As part of our expansion programme, weare on the look out for unique individuals to join us. Successful candidates will be rewarded and shall enjoy career advancement opportunities which will commensurate with efforts and contributions.

Investor Relations Manager
(Kuala Lumpur -  Kuala Lumpur)
  
Responsibilities:

• Degreein Accounting, Finance or Business Administration, with minimum of 4 years working experience in investor relations, equity research, fund management or related fields
• Good understanding and appreciation of investors' requirements and market sentiments
• Good communication and people skills with pleasant mannerisms
• Able to communicate well in English and Bahasa Malaysia
• Ability to speak in Mandarin will be an added advantage
• Travelling may be required from time to time basis

Requirements:

• Develop and maintain contact with the financial investment communities and coordinate the IR efforts for the company
• Manage good working relationship with financial analyst, financial institution and stock brokers
• Develop and update presentation materials for investors and external parties including media releases
• Conduct ongoing development and dissemination of effective investor relations materials
• Manage productions of publication annually and quarterly for investors
• Organize conference calls and other events
• Remain current on company business activities and update investors and financial community on the activities
• Conduct timely review and analysis on stock market, economy and interest rate
• Organized,detailed conscious, enthusiatic, energetic, and willing to take challenges and able to work independently in a fast-paced environment

http://my.jobstreet.com/jobs/2007/10/default/10/511324.htm?fr=c

[ 本帖最后由 Mr.Business 于 17-11-2007 01:17 AM 编辑 ]

thomas2

原帖由 Mr.Business 于 17-11-2007 12:45 AM 发表
我也是很看好AEON Credit。。。

为什么呢？？可以分享下吗？？
我对他的产品不是很认识。。

Mr.Business

请先看看AEON Credit的IPO资料。。。henggh兄讲的几生动和合理一下。

原帖由 henggh 于 17-11-2007 12:41 AM 发表
他拿正牌收一个月2%的利息
那些3，6，9，12，18，24，36个月的BAYARAN ANSURAN(分期付款）来买电器，家私就是有AEON CREDIT给的。
那些友族这么喜欢给他吃利息， AEON CREDIT的前景是一片光明的

henggh

AEON CREDIT 和 RCECAP 是同样性质的公司。可是据了解RCECAP只是借钱给公务员。
公务员是铁饭碗，RCECAP肯定可以收回钱，如果收不回钱顶多和政府配合扣薪水咯。风险不高。
可是公务员的人数只有120万，所以市场有限。所以他的股价也很稳介于0.80-1.00，即使是他宣布要收购MBSB，市场也没有多大的反应来炒作。

AEON CREDIT就不同了，他的市场是普咯大众。风险虽然高些，可是他的市场很大。更何况他现在天天在JUSCO促销他的CREDIT CARD。虽然他的信用卡的知名度不是很高，他的优势是，你在很多银行都可以还卡债。

keatsmon

总之，拿合法牌照的“大耳窿”就有研究的必要。

8years

公眾認購 600萬股
土著投資者 1550萬股
土著投資者 2000萬股

土著=3550， 其他600
怎么会这样呢？我们的钱不是钱？？政府施压要让土著赚大钱？？

8years

AEON Credit的高成长是用高负债来达成的啊，好像很危险。。。。。。

负credit风险540，261，才赚了19，702，还不到5%

好像。。。。。。。。。。。。
明天只要有5%顾客还不到钱，那么不就。。。。。。。。。。。

8years

公司90%顾客是bumi，5%还不起钱的可能性有几高呢？。。。。。。。。。

我认为高成长已经掩盖了内部问题，一当没有高成长的时候。。。。。。。

不敢想象。。。

8years

roe全部都是用高负债来达到，一当有什么问题，bankrupt肯定就在眼前。
这股风险高，风险高。

8years

话虽如此，我依然认为股价会升，因为高风险就是高利润嘛，我就不敢买，我是一个害怕风险的人。祝大家赚大钱啦

8years

忘记讲，和bank不一样，aeon credit借钱是不用担保的，阿猪阿猫阿狗都很容易借到。
rcecap还有政府担保保证还钱，aeon credit 就。。。。。。。。。。。

不过，喜欢高风险就是高利润依然可以买进的。我比较保守吧了。

初生之犢

友族買傢私很喜歡供供下供不起然後讓借貸人收回去重新包裝當二手賣掉的

publicpang

原帖由 8years 于 17-11-2007 10:09 AM 发表
公眾認購 600萬股
土著投資者 1550萬股
土著投資者 2000萬股

土著=3550， 其他600
怎么会这样呢？我们的钱不是钱？？政府施压要让土著赚大钱？？

华人齐心协力...不买他的IPO和...不买他OPEN MARKET...

那就看他们自己打自己....

我第一个不买........

theanswerL2

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， 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 c ...

很多马来人和印度人都用aeon 的credit card.

thomas2

原帖由 8years 于 17-11-2007 10:19 AM 发表
AEON Credit的高成长是用高负债来达成的啊，好像很危险。。。。。。

负credit风险540，261，才赚了19，702，还不到5%

好像。。。。。。。。。。。。
明天只要有5%顾客还不到钱，那么不就。。。 ...

我是担心subprime后遗症。。。
大家会不会对这种公司恐惧。。。

Mr.Business

原帖由 8years 于 17-11-2007 10:09 AM 发表
公眾認購 600萬股
土著投資者 1550萬股
土著投資者 2000萬股

土著=3550， 其他600
怎么会这样呢？我们的钱不是钱？？政府施压要让土著赚大钱？？

你忘记30%土著股权这回事了？

AEON Credit的票数是120 million。35500000／120 million ＝ 29.6％

8years

哦，原来如此，都是政策惹的货。那么这30%要卖的话。。。。。。？？？？

Mr.Business

原帖由 8years 于 17-11-2007 09:23 PM 发表
哦，原来如此，都是政策惹的货。那么这30%要卖的话。。。。。。？？？？

每间新上市的公司都得经过这过程的。。。

PS：AEON Credit的新闻。

New: AEON Credit buoyant about earnings

By Chong Pooi Koon

Published: 2007/11/16

AEON Credit Services (M) Bhd, which derives its earnings mostly from providing easy payment schemes to consumers, expects net earnings to jump 55 per cent this financial year as consumer spending continues to rise.

The company plans to pay at least 30 per cent of net profit as dividend in fiscal year 2008, estimated at 7.63 sen gross per share.This translates into a gross dividend yield of 3.05 per cent based on the initial public offering (IPO) price of RM2.50 per share.

Executive director S. Krishnappan said the Japan-based AEON Group has in general maintained a dividend policy of at least 30 per cent of earnings, which the Malaysian operation is likely to adopt.

Net profit is forecast to reach RM30.5 million in the year to February 2008, from RM19.7 million before, and revenue to increase 36 per cent to RM157.7 million, according to its listing prospectus released yesterday.

Managing director Naruhito Kuroda said the growth will come mainly from its easy financing schemes, which allow small consumers to buy products ranging from electrical appliances and furniture to motorcycles through instalments.

He said the easy payment schemes for both general products and motorcycles contributed a combined 76 per cent to its turnover in the last fiscal year. The balance was revenues from personal finance and credit cards.

AEON Credit has expanded fast since 2001, with net earnings growing at an average of 67 per cent every year.

"Next year, we will be aggressively expanding into new customer segments, going to the suburban and rural areas and moving into new areas for revenue," Kuroda told reporters in Kuala Lumpur yesterday.

It plans to win new customers in the small- and medium-sized enterprise sector by providing product and equipment financing for items like personal computers, copiers and fascimile machines.

The company, which has so far focused on major cities, also wants to expand to smaller towns and secondary cities by opening more branches.

Currently, it has 26 branches, 13 of which are customer-service outlets known as AEON-Spots that are set up mainly in shopping centres.

Kuroda said the company will open up to six branches next year,mainly AEON-Spots, as more shopping malls open their doors in Malaysia.

AEON Credit will raise RM55 million by issuing 22 million new 50-sen shares at RM2.50 each. The public can apply for the six million shares allocated through balloting.

Another 15.5 million shares are for Bumiputera investors, and the balance 500,000 shares for employees and directors.

The IPO will close on November 28.

AEON Credit is scheduled to make its trading debut on Bursa Malaysia's main board on December 12.

http://www.btimes.com.my/Current_News/BTIMES/Monday/IPOWatch/hitosan.xml/Article/

[ 本帖最后由 Mr.Business 于 17-11-2007 09:37 PM 编辑 ]

Mr.Business

AEON Credit发出新股22 million售价每股RM2.50，另外AEON Credit的大股东AEON Credit Japan献售20 million股，售价每股RM2.50。IPO之后AEON Credit的票数是120 million，par value是RM0.50。

这表示在IPO之前，AEON Credit的票数是98 million股，par value是RM0.50，也就是原始投资额是RM49 million。现在AEON Credit Japan献售20 million股，售价每股RM2.50，得到RM50 million。这就是说AEON Credit Japan已经回本了，手上的78 million股 (65％的AEON Credit股份）是免费的！

股市真是可爱的地方！！！

[ 本帖最后由 Mr.Business 于 17-11-2007 11:12 PM 编辑 ]

keatsmon

东方日报

永旺信貸放眼淨利增55% - 17th Nov 2007

（吉隆坡16日訊）即將在12月12日于大馬交易所主板上市的永旺信貸服務（馬）有限公司（AEON Credit Service），有信心能將其截止08年2月財政年的淨利，從上一財政年提高55%至3050萬令吉。


該公司自2003至2008年的淨利年復合增長率（CAGR）為60%，而去年財政年的淨利達到1900萬令吉。

該公司董事經理黑田成人表示，帶動該公司淨利成長的主要業務是付款便利。付款便利在現財政年首5個月貢獻37%的營業額。他預測該業務還會繼續成長。

另外，其他帶動成長的業務包括汽車貸款便利、私人貸款及信用卡服務，在現財政年首5個月，分別為營業額貢獻了39%、9%及15%。

黑田成人表示，每項業務估計都能平穩地成長。該公司會在明年進行更多的策略性成長及擴展計劃。

「我們已開始提供中小型企業貸款，我們會儘量吸引更多在有關領域的客戶、開辦新分行，以及將業務擴展至城市以外地區。」

永旺信貸服務目前擁有26間分行及稱為AEON Spot的服務中心，該公司會在明年開辦5至6間分行及服務中心，尤其是在購物廣場開辦服務中心，以方便客戶。該公司也預計在2010年，達到60間分行及服務中心的目標。

該公司在2003至2008年取得39%的營業額年復合增長率表現，估計在現財政年，其營收可從去年的1億1600萬令吉，增至1億5770萬令吉。

此外，該公司的2001至2007年的總資產年復合增長率是38%，並在上一財政年達到5億7100萬令吉的成績。

黑田成人是在永旺信貸的招股書推介儀式后，向記者發表談話。該公司的上市招股申請將于11月28日截止，並于11月30日進行股票抽籤儀式。