AEON CREDIT(00900.HK)上半財年純利跌11%至1.7億港元 中期息24港仙
格隆匯9月26日丨AEON CREDIT(00900.HK)公佈中期業績，截至2024年8月30日止6個月，公司收益為8.60億港元，同比增長9.86%；公司股東應占期內盈利為1.70億港元，同比減少11.00%；基本每股盈利為40.68港仙。擬派中期息每股24港仙。
集團業務主要分為三大經營分類，即信用卡、私人貸款及保險中介業務。截至2024/25年度上半年，信用卡業務佔集團收入的77.8%，2023/24年度上半年為79.7%，而私人貸款業務佔集團收入的20.5%，相較去年同期為18.9%。分類業績方面，信用卡業務佔集團整體業績之104.0%，相較去年同期為86.2%。而私人貸款業績虧損佔整體業績之7.1%，相較去年同期溢利佔整體業績為11.6%。
在信用卡方面，報吿期間透過成功的目標行銷和推出廣受好評的海外和餐飲消費營銷活動，集團信用卡銷售額逐步上升及累積循環信用卡餘額錄得持續增長。這使信用卡業務收入錄得由2023╱24年度上半年的6.24億港元增加7.2%或4490萬港元至2024╱25年度上半年的6.69億港元。收入的顯著增長可以稍微地減輕了借貸成本和減值準備損失上升的影響，導致報吿期間的分類業績錄得由2023/24年度上半年的2億港元增加1240萬港元或6.2%至2.124億港元。在私人貸款方面，隨着通過社交媒體投入具個性化的營銷活動，開設新分行以及即時貸款的推廣，使私人應收貸款逐漸增加。
私人貸款收入由2023╱24年度上半年的1.48億港元增加18.9%或2800萬港元至2024╱25年度上半年的1.76億港元。然而，由於借貸成本持續高企、及減值損失及減值準備的增加，拖累分類業績錄得1450萬港元虧損，而2023/24年度上半年的分類盈利則為26,900,000港元。
保險中介業務在業務模式及產品的轉變後順利發展，並於報吿期間恢復逐漸增長，報吿期間的分類收入及業績分別為1540萬港元及630萬港元，而上年的同期為1110萬港元及500萬港元。
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