AEON Financial Service Co., Ltd.

AEON Financial Service Co., Ltd. (AEOJF) is a Japan-based comprehensive financial services group founded in 1981 and headquartered in Tokyo, operating as a core member of the AEON Group, one of Japan's largest retail and financial services conglomerates. Led by President and CEO Tomoharu Fukayama, the company provides a broad range of financial products including credit cards, personal loans, banking, insurance, installment financing, and electronic money services through its five operating segments: Retail, Solutions, China Area, Mekong Area, and Malaysia Area. Beyond its strong domestic presence — anchored by flagship products such as the AEON Card, AEON Bank, and WAON electronic money — AEON Financial Service has established a significant international footprint across 10 countries and regions in Asia, with overseas operations contributing approximately 40% of revenues and 60% of operating profit. With a market capitalization of approximately $1.85 billion and over 130,000 employees, the company continues to invest in digital platforms and strategic partnerships to strengthen its position as a leading consumer and small business financing provider across the Asia-Pacific region.