Acom Co., Ltd. · TSE:8572
Acom — Q1 FY March 2008 Earnings Presentation
17 slides from Acom's earnings presentation, Jul 31, 2007
Slide 1: The First Quarter Financial Results for FY Ending March 2008
The First Quarter Financial Results for FY Ending March 2008 ACOM CO., LTD. http://www.acom.co.jp/ir/english/ July 31, 2007
Slide 2: Financial Results Summary
Financial Results Summary DATA BOOK Page 2 & 4 (Millions of yen, %) The First Consolidated Non-consolidated (ACOM) Quarter for FY Results YOY 2008/3 (F) Results YOY 2008/3 (F) March 2008 Operating Income 99,060 -8.8 368,300 84,639 -12.2 303,200 Operating 78,521 -14.7 318,900 65,317 -18.5 258,200 Exp
Slide 3: Interest-repayment-related and Bad-debt-related Expenses (ACOM)
Interest-repayment-related and Bad-debt-related Expenses (ACOM) DATA BOOK Page 4 & 9 Interest-repayment-related Expenses (Millions of yen, %) Compared 2006/6 2006/9 2006/12 2007/3 2007/6 to the 2008/3 forecast (F) Interest-repayment-related Expenses 7,372 13,155 13,155 200,147 0 - 0 Interest Repaym
Slide 4: Analysis of Income Decrease (Consolidated)
Analysis of Income Decrease (Consolidated) DATA BOOK Page 2 Primary factor: Decrease in income of ACOM The first quarter for FY March 2007 Operating Income (Consolidated): 108,587 million The Thefirst firstquarter quarter for for FY March2008 FY March 2008 Operating Income (Consolidated): Operating
Slide 5: Analysis of Profit Increase (ACOM)
Analysis of Profit Increase (ACOM) DATA BOOK Page 4 Primary factors: Decreases in Interest-repayment-related and Sales and General Administrative Expenses The The first quarter for FY March 2008 Thefirst firstquarter quarter for Operating Profit: 19,321 million for FY March2008 FY March 2008 Operat
Slide 6: Booking of Prior Fiscal Year Corporate Taxes, etc.
Booking of Prior Fiscal Year Corporate Taxes, etc. Reception of Adjustment Notice Tax assessment by Tokyo Regional Taxation Bureau - Booked 7,320 million yen which consists of additional tax, and prior fiscal year corporate tax, inhabitants’ inhabitants’ tax, and enterprise tax. - Discussion with v
Slide 7: Loan Business (ACOM)
Loan Business (ACOM) DATA BOOK Page 5 & 6 The First Quarter for FY YOY YTD Results 2008/3 (F) March 2008 (%) (%) Unsecured Loans for Consumers Receivables Outstanding (Millions of yen) 1,398,806 -8.8 -3.3 1,294,500 Number of Customer Accounts 2,583,054 -8.6 -3.3 2,381,600 Number of New Loan Customer
Slide 8: Unsecured Loans Receivable Outstanding for Consumers by Interest Rate
Unsecured Loans Receivable Outstanding for Consumers by Interest Rate (ACOM) DATA BOOK Page 7 Unsecured Loans for Consumers (Based on Receivables Outstanding) (Millions of yen) 2007/3 2007/6 2008/3 (F) % % % Loans Receivable Outstanding 1,446,117 100.0 1,398,806 100.0 1,294,500 100.0 28.470% and Hi
Slide 9: Bad Debts (ACOM)
Bad Debts (ACOM) DATA BOOK Page 9 Quarterly Change in Bad Debts & Composition Ratio to Loans Receivable Outstanding (Millions of yen) 150,000 10.0% Loans to Borrowers in Bankruptcy or 9.54% 125,000 Under Reorganization 9.44% 9.0% 8.92% 100,000 8.35% 8.0% 75,000 Composition Ratio Loans in Arrears (r
Slide 10: Guarantee / Credit Card Businesses (ACOM)
Guarantee / Credit Card Businesses (ACOM) DATA BOOK Page 10 The First Quarter for FY YOY YTD Results 2008/3 (F) March 2008 (%) (%) Guarantee Business Number of Customer Accounts with Outstanding Balance 408,834 2.9 0.3 478,000 Guaranteed Loan Receivables (Millions of yen) 180,134 6.0 0.3 213,900 Cre
Slide 11: DC Cash One Ltd.
DC Cash One Ltd. DATA BOOK Page 11 The First Quarter for FY YOY YTD Results 2008/3 (F) March 2008 (%) (%) Receivables Outstanding (Millions of yen) 82,888 7.3 0.2 90,000 Number of Customer Accounts 183,318 4.0 0.2 185,200 Average Balance of Loans per +14 0 Account (Thousands of yen) 452 (Thousands o
Slide 12: EASY BUY Public Company Limited
EASY BUY Public Company Limited DATA BOOK Page 3 (Millions of yen, %) The First Quarter for FY Results YOY YTD 2008/3 (F) March 2008 Loan Business 68.9 14.1 Receivables Outstanding 56,938 78,400 (39.0) (-2.4) Number of Customer 577,179 34.2 3.7 727,000 Accounts Installment Sales Finance Business -15
Slide 13: Strategic Business Alliance with MUFG in Progress
Strategic Business Alliance with MUFG in Progress No change from the end of previous fiscal year 1. Entrusting loan guarantee business Super IC Card (Tokyo-Mitsubishi UFJ VISA Card): DC Cash One commenced to guarantee on February 2006 (IC Credit Card( Product it used to be sold in ex-UFJ branches):
Slide 14: Strategic Business Alliance with MUFG in Progress
Strategic Business Alliance with MUFG in Progress 3. Guarantee and servicer business with corporations and financial institutions Starting tie-up of loan guarantee with 3 regional banks which are in close relationship with BTMU (FY March 2006) Integrated DC Servicer company, Ltd. into IR Loan Servic
Slide 15: Creation of New History
Creation of New History ACOM will become brand new ACOM Return to Growth 9 Group Management Reformation 9 Ensure the profit from unsecured loan 9 Growth in peripheral financial services 9 Business development in Southeast Asia Relief 9 Business Alliance with MUFG Confidence Low-price 15
Slide 16: Reference
Reference For further information and questions regarding this presentation, please contact: Investor Relations Office Tel: +81-3-5533-0631 email: [email protected] For updated company information, please refer to our website: http://www.acom.co.jp/ir/english/ 16
Slide 17: Questions & Answers
Questions & Answers