Break fast - Hotel standard bf.
Door Gift - simple
Lunch - Hotel lunch voucher(not bad)
Summary
1.Can be seen that the personal financing and auto loan is increasing due to demand. as well for motorbike business.
2.NPL is control well around 2%+.
3.dividend paid around 20-30% , much conservative to maintain cash flow. this is a bit different with japanese company here where will choose to pay majority profit out to take out $ back to own country. No Dividend policy fixed.
4.plan to ride on AEON group to promote more biz to consumer, so if AEON do well so will AEONCR. but credit card still is their Core biz.
5. ROE expect to flatten due to company plan to move up/diversify chain to more high value or creditable segment.
6. Plan for 3 year plan for digital wallet. this should be easier by adopting payment method cashless via AEON.
7. Digital Marketing - not sure if this can works.
8. Next engine generation should be base on Emoney.
Q&A - Overall Board is conservation on releasing information out. but likely will be able to maintain the business as expected.
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