Building a management foundation for the next phase of growth

「In addition, toward achieving the Medium-Term Management Plan, we pursued optimization of our business portfolio, strengthening of our management platform, digital investment and the advancement of our systems infrastructure. As part of these initiatives, effective 1 March 2026, the Company succeeded to the data analytics consulting business of its consolidated subsidiary エー・シー・エス債権管理回収株式会社 through an absorption-type company split, and, effective 1 May 2026, absorbed AFSコーポレーション株式会社 through a merger, thereby advancing the streamlining of business operations and the development of a simple, highly effective organizational structure.」

「In the current consolidated fiscal year, the final year of the Medium-Term Management Plan, we proceeded with the reallocation of management resources through a review of our business portfolio to maximize the value we provide to customers within the AEON ecosystem.」

「In the current consolidated fiscal year, the final year of the Medium-Term Management Plan, we are reallocating management resources through a review of our business portfolio to maximize the value we provide to customers within the AEON ecosystem. In Japan, in addition to transferring the shares of AEON Allianz Life Insurance to Meiji Yasuda, we decided on 30 September 2025 to absorb ACSリース株式会社, a consolidated subsidiary engaged in the leasing business, through a merger with the company.」

「In reviewing our business portfolio, we are reallocating management resources in light of changes in the business environment in order to continue providing innovative financial services to customers.」

「We have also defined our desired state for 2030 as “a community-based global company that brings finance closer to people,” and positioned the Medium-Term Management Plan (fiscal 2021–fiscal 2025) as a “transformation phase” toward realizing this vision. We are working to review our business portfolio to optimize it in light of changes in the business environment and to build new business models using digital technologies.」

「We have also defined our desired state for 2030 as “a community-based global company that brings finance closer to people,” and positioned the Medium-Term Management Plan (fiscal 2021–fiscal 2025) as a “transformation phase” toward achieving this vision. We are working to review our business portfolio to optimize it in light of changes in the business environment and to build new business models using digital technologies.」

「In addition, we will improve productivity through selective concentration based on a review of our business portfolio.」

「There were no material changes during the nine-month period ended December 31 to the management policies, management strategies or other matters established by our group.」

「There were no material changes to the management policies, management strategies or other matters established by our group during the first quarter of the current consolidated cumulative period.」

「We have established the basic policy for our Medium-Term Management Plan (fiscal 2021–fiscal 2025) as “A Second Founding: Innovating the Value Chain and Creating Networks” and are pursuing reforms to drive group growth. In Japan, we are investing in and developing the infrastructure needed to unify IDs across the AEON Group, promoting cashless payments, and introducing new services such as insurance products. Overseas, we are promoting digital financial inclusion through app development that enables customers to complete the process from applying for various products through to using them on their smartphones, as well as through more sophisticated credit assessment and receivables management.」

「The Company has established the basic policy of its Medium-Term Management Plan for fiscal 2021 through fiscal 2025 as “A Second Founding: Innovation of the Value Chain and Creation of Networks,” and is pursuing reforms to support the Group's growth. In Japan, it is investing in and developing infrastructure to establish a common AEON Group ID, promoting cashless payments, and introducing new services such as insurance products. Overseas, it is pursuing digital financial inclusion by developing applications that allow customers to complete the process from applying for various products through to using them on a smartphone, and by upgrading credit assessment and receivables management.」

「The Company has established the basic policy of its Medium-Term Management Plan for fiscal 2021 through fiscal 2025 as “A Second Founding: Innovation of the Value Chain and Creation of Networks,” and is pursuing reforms to support the Group's growth.」

「In the current fiscal year, the Company will focus on digital transformation (DX), health and wellness, and ESG as key themes for the next stage of growth.」

「The Company has established the basic policy of its Medium-Term Management Plan for fiscal 2021 through fiscal 2025 as “A Second Founding: Innovation of the Value Chain and Creation of Networks,” and is pursuing reforms to support the Group's growth.」

「There were no material changes during the six-month period ended September 30 to the management policies, management strategies or other matters established by our group.」

「There were no material changes to the management policies, management strategies or other matters established by our group during the first quarter of the current consolidated cumulative period.」

「There were no material changes during the six-month period ended September 30 to the management policies, management strategies or other matters established by our group.」

「There were no material changes to the management policies, management strategies or other matters established by our group during the first quarter of the current consolidated cumulative period.」

「Against this backdrop, the Company will use new technologies in each region in Japan and overseas, provide products and services that can be used across Asia, and build an economic sphere centered on Asia. It will also expand its merchant network and build a platform connecting customers and merchants, while diversifying and accelerating the provision of products and services. In addition, it will strengthen sales and marketing through the use of data, provide immediate and appropriate products and services in response to customer needs, and promote support that enriches customers' daily lives. To achieve these objectives, it will promote digitalization from sales through administrative operations.」

「There were no material changes during the nine-month period ended December 31 to the management policies, management strategies or other matters established by our group.」

「During the 6-month period of the fiscal year under review, the Company promoted cashless payments within and outside the AEON Group in Japan ahead of the consumption tax increase in October, focused on initiatives to promote the use of AEON Cards and debit cards, and worked to expand its customer base to increase transaction volume over the medium to long term. Overseas, it pursued initiatives to acquire members using digital technologies, improve screening accuracy and increase operating efficiency, and worked to expand operating receivables and improve profitability.」

「During the 3-month period of the fiscal year under review, the Company focused on expanding its business base in Japan by pursuing customer acquisition initiatives in line with the government's promotion of cashless payments ahead of the consumption tax increase scheduled for October. Overseas, it worked to expand its customer base and improve the efficiency of screening and other processes through digital technologies, and sought to increase the balance of operating receivables and otherwise expand its business.」

「The Company is building an extensive sales network centered on Asia, including Japan, and working to strengthen sales and marketing through the use of data. Through these initiatives, its medium- to long-term management strategy is to enrich customers' daily lives by expanding seamless payment functions and financial products and services that meet customer needs.」

「In the current fiscal year, the Company has identified “thoroughly promoting the digital shift,” “thoroughly responding to customer needs” and “accelerating growth overseas” as key initiatives, and is working to improve its profit margin by increasing ordinary revenue and controlling costs.」

「The Company is building an extensive sales network centered on Asia, including Japan, expanding financial products and services that meet customer needs, and working to strengthen sales and marketing through the use of data. Through these initiatives, its medium- to long-term management strategy is to enrich customers' daily lives.」

「The Company's medium- to long-term management strategy is to build a financial platform centered on Asia, realize seamless payments and the provision of financial products and services across the region, strengthen sales and marketing functions through the use of data, and support customers in enriching their daily lives by providing appropriate financial products and services that meet their needs.」

「The Company's medium- to long-term management strategy is to build a financial platform centered on Asia, realize seamless payments and the provision of financial products and services across the region, strengthen sales and marketing functions through the use of data, and support customers in enriching their daily lives by providing appropriate financial products and services that meet their needs.」

「The Company's medium- to long-term management strategy is to build an economic platform centered on Asia, realize seamless payments and the provision of financial products and services across the region, strengthen sales and marketing functions through the use of data, and support customers in enriching their daily lives by providing appropriate financial products and services that meet their needs.」

「Against this operating backdrop, to provide customers with more convenient and comfortable services through digitalization using fintech and other technologies, the Company actively sought external knowledge and technologies, including by holding external contests and hackathons, and developed smartphone applications.」

「During the third quarter of the fiscal year, there were no significant changes in, or newly arising issues concerning, the business and financial matters that the Group needs to address.」

「Against this operating backdrop, the Company continued to promote digitalization globally to improve operating efficiency, improve the convenience of products and services, and improve profitability through balance-sheet efficiency.」

「Against this operating backdrop, the Company worked on its key priorities for the current fiscal year: promoting digitalization in Japan and overseas, improving the convenience of products and services, and improving the profitability of its assets.」

「Against this operating backdrop, the Company positioned the current fiscal year as a year for laying the groundwork for the next stage of growth. It worked to strengthen its management foundation through digitalization to improve productivity, talent development to enable the use of digital technologies, and initiatives in corporate governance and improvements to its financial position.」