Overseas Operations

The Company’s first overseas base was in Hong Kong, where it established a local subsidiary in July 1990 and was listed on the Hong Kong Stock Exchange in September 1995.
The Company has a long-standing collaboration with AEON Stores Hong Kong, a local retailer, including offering a 5% discount on purchases on Customer Appreciation Day.

The Company has also leveraged the strengths of its Japanese brand to issue cobranded cards with Japanese airlines and character cards featuring popular anime characters. In 2022, the Company launched the "AEON Card WAKUWAKU," which offers discounts on credit card use in Japan, helping to expand the customer base.

The Company is also working to expand its business by improving customer convenience, including support for code payments and NFC (Near Field Communication), which are becoming more common in mainland China.

In China, the Company established a company in Shenzhen in May 2000 to handle call center operations, credit screening, and credit management, improving operational efficiency by accepting inquiries and conducting credit screening for its Hong Kong subsidiary.

In addition, the Company established AEON Microfinance Shenzhen in 2013, providing a wide range of financial services to individual customers.

In May 2006 the Company established business in Indonesia, the country with the largest population in ASEAN.

Leveraging the Company’s credit business expertise in Japan and other Asian countries, the Company began offering installment payments for home appliances and furniture, and in 2013 began issuing credit cards.

By 2024, the Company is working to strengthen its efforts to attract cardholders through partner companies, including issuing credit cards in partnership with Indonesian internet service providers and the international payment brand JCB.

In June 2008, the Company obtained a business license from the Ho Chi Minh City Department of Planning and Investment of the Socialist Republic of Vietnam and launched its own installment payment business in Vietnam.

In Vietnam, which is positioned as a key country in the AEON Group's overseas strategy, ACS TRADING VIETNAM CO., LTD. began offering the group's shared points system, "WAON POINT," in October 2024.

Additionally, in February 2025, the Company acquired a stake in Post and Telecommunication Finance Company Limited (now AEON Consumer Finance Company Limited), obtaining a local finance license and beginning to offer personal loans and individual item installment payments. The Company is working to further expand its business, with an eye toward issuing digital credit in the future.

In February 2013, the Company obtained a non-banking license from the Reserve Bank of India and established a local subsidiary in Mumbai.

The Company is working to expand its business by providing a mobile phone installment payment service tailored to local needs, and began offering personal loans in fiscal 2018.

Since its establishment in October 2011, AEON Bank became the first Japanese company to launch an installment sales business, offering installment payments for durable consumer goods such as televisions and mobile phones, as well as small unsecured loans.

In October 2015, AEON Bank became the first Japanese company to obtain a specialized banking license from the National Bank of Cambodia (the central bank), and launched a credit card business in 2016. The Company will continue to provide Cambodian customers with even more convenient and affordable financial services, such as offering preferential benefits at AEON Group shopping centers.