Acom Co., Ltd. · TSE:8572

Acom — Q1 FY2011 Earnings Presentation

14 slides from Acom's earnings presentation, Jul 29, 2010

  1. Slide 1: The First Quarter Financial Results for Fiscal Year Ending March 2011

    The First Quarter Financial Results for Fiscal Year Ending March 2011 ACOM CO., LTD. http://www.acom.co.jp/ir/english July 29, 2010

  2. Slide 2: Summary of First Quarter Financial Results

    Summary of First Quarter Financial Results (Millions of yen) Consolidated Non-consolidated 2009/6 2010/6 2011/3 (forecast) 2009/6 2010/6 2011/3 (forecast) yoy yoy yoy yoy Results Results Results Results (%) (%) (%) (%) Operating Revenue (*1) 70,573 66,607 -5.6 243,900 -12.5 60,777 56,913 -6.4 206,00

  3. Slide 3: Summary of Loan Business

    Summary of Loan Business ‹ACOM zReceivables Outstanding, No. of Customer Accounts, and No. of New Loan Customers (Millions of yen) 2009/6 2010/6 2011/3(forecast) yoy Results Results yoy (%) (%) Receivables Outstanding 1,212,596 1,068,681 -143,915 -11.9 943,600 -14.5 No. of Customer Accounts 2,254,28

  4. Slide 4: Summary of Guarantee and Loan Servicing Business

    Summary of Guarantee and Loan Servicing Business (Millions of yen) 2009/6 2010/6 2011/3 (forecast) yoy Results Results yoy (%) (%) Guaranteed Receivables 118,777 319,110 200,333 168.7 355,800 12.2 Guarantee Business ACOM(*) No. of Customer Accounts 260,916 676,260 415,344 159.2 731,000 9.0 Operating

  5. Slide 5: Loan and Guarantee Business (ACOM) [Changes in Receivables Outstanding]

    Loan and Guarantee Business (ACOM) [Changes in Receivables Outstanding] Billions of yen (Thousands) 1,600 4,000 Absorbed Loan Business of DC Cash One (77.3 billion yen) 3,500 1,277.8 1,240.6 1,204.2 1,179.2 1,200 1,166.2 1,144.1 3,000 1,137.0 1,106.2 1,074.8 1,041.1 2,364 2,500 2,300 2,236 2,245 922

  6. Slide 6: Provision for Loss on Interest Repayment and Provision of Allowance for Doubtful Accounts

    Provision for Loss on Interest Repayment and Provision of Allowance for Doubtful Accounts (ACOM, Loan Business) ◆Provision for Loss on Interest Repayment (Millions of yen) 2010/3 2011/3 2011/3 1Q 2Q 3Q 4Q Total 1Q (forecast) Provision for Loss on Interest Repayment 738 7,967 12,484 37,173 58,362 2,2

  7. Slide 7: Trend of Requests for Interest Repayment and Interest Repayment (ACOM-1)

    Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM-1, Loan Business) ◆No. of Requests for Interest Repayment* and Interest Repayment (Cash Out Basis) by Month (Millions of yen) 20,000 18,000 No. of Requests for 16,500 18,000 Interest Repayment* 16,000 (Right axis

  8. Slide 8: Trend of Requests for Interest Repayment and Interest Repayment (ACOM-2)

    Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM-2, Loan Business) ◆No. of Requests for Interest Repayment* and Interest Repayment (Cash Out Basis) by Month (Millions of yen) 2009/3 2010/3 2011/3 No. of No. of No. of Requests Interest Requests Interest Requests

  9. Slide 9: Trend of Lending Ratio, Applications, and New Loan Customers

    Trend of Lending Ratio, No. of Applications , and No. of New Loan Customers of Loan Business (ACOM, Loan Business) ◆Unsecured Loans for Consumers 50,000 70.0% 45,000 60.0% 40,000 35,000 50.0% 42.7% 40.5% 41.2% 41.1% 40.7% 30,000 43.8% 39.6% 39.1% 42.0% 38.3% 38.4% 40.0% 41.4% 37.3% 37.9% 36.5% 39.2%

  10. Slide 10: Non-performing Loans (ACOM, Loan Business)

    Non-performing Loans (ACOM, Loan Business) ◆Non-performing Loans (Billions of yen) 150 12.0% Loans to Borrowers in Bankruptcy or under Reorganization (Left axis) 122.8 11.0% 120 116.6 118.7 115.0 116.1 112.8 112.1 109.8 109.1 9.89% 9.86% 9.87% 9.78% 10.27% 10.0% 9.58% 9.55% 9.58% 90 9.37% Compositio

  11. Slide 11: Composition Ratio of Loans Receivables by Number of Other Lenders

    Trend of Composition Ratio of Loans Receivables Outstanding by Number of Other Lenders (ACOM, Loan Business) ◆Unsecured Loans for Consumers (New Loan, ◆Unsecured Loans for Consumers (Existing Loan, No. of Accounts Basis) Outstanding Basis) 100% 100% 3.1 3.9 4.1 3.7 1.5 1.6 1.6 2.8 9.4 9.9 9.9 14.5 1

  12. Slide 12: Funds Procurements (ACOM)

    Funds Procurements (ACOM) (Millions of yen) 2010/3 2010/6 2011/3 (Forecast) C.R. yoy C.R. yoy C.R. yoy Results Results (%) (%) (%) (%) (%) (%) Borrowings 705,387 100.0 3.6 701,175 100.0 -5.4 654,100 100.0 -7.3 Indirect 463,887 65.8 4.1 458,922 65.5 -9.3 416,800 63.7 -10.2 Direct 241,500 34.2 2.8 242

  13. Slide 13: Moving toward an Entirely New ACOM

    Moving toward an Entirely New ACOM ‹ Restructuring Internal Organization and Strengthening Business Foundation for Next Growth ACOM is concentrating its management resources in three areas – its mainstay unsecured loan Collection Credit business and its other core Screening Loan Business guarantee a

  14. Slide 14: For further information and questions, please contact

    Reference ◆For further information and questions regarding this presentation material, please contact: Public Relations (IR) Tel:+81-3-5533-0631 email:[email protected] ◆For updated company information, please refer to our website: http://www.acom.co.jp/ir/english 14

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