Acom Co., Ltd. · TSE:8572
Acom — Q3 FY2012/3 Earnings Presentation
14 slides from Acom's earnings presentation, Feb 1, 2012
Slide 1: The Third Quarter Financial Results for Fiscal Year Ending March 2012
The Third Quarter Financial Results for Fiscal Year Ending March 2012 ACOM CO., LTD. http://www.acom.co.jp/ir/english February 1, 2012
Slide 2: Summary of Third Quarter Financial Results
Summary of Third Quarter Financial Results (Millions of yen) Consolidated Non-consolidated 2010/12 2011/12 2012/3 (Forecast) 2010/12 2011/12 2012/3 (Forecast) yoy yoy yoy yoy Results Results Results Results (%) (%) (%) (%) Operating Revenue (*1) 189,434 160,243 -15.4 204,300 -16.9 160,698 132,376 -1
Slide 3: Loan Business (ACOM)
Loan Business (ACOM) zReceivables Outstanding, No. of Customer Accounts, No. of New Customers, and Operating Revenue (Millions of yen) 2010/12 2011/12 2012/3 (Forecast) yoy Results Results yoy (%) (%) Receivables Outstanding 951,316 818,632 -132,684 -13.9 761,000 -15.7 No. of Customer Accounts 1,770
Slide 4: Loan Business (ACOM): Trend of Receivables Outstanding
Loan Business (ACOM) [Trend of Receivables Outstanding] ◆Unsecured Consumer Loans (Billions of yen) (Thousands) May 1, 2009 1,500 1,446.1 3,200 Absorbed Loan Business of DC Cash One (DCC1) June 18, 2010 1,250 1,179.2 Full Enforcement of Revised Money Lending Business Act 2,800 2,670 1,137.0 1,144.1
Slide 5: Loan Business (ACOM): Applications, New Customers, and Lending Ratio
Loan Business (ACOM) [Trend of No. of Applications, No. of New Customers, and Lending Ratio] ◆Unsecured Consumer Loans 50,000 70.0% 45,000 60.0% 40,000 35,000 50.0% 46.1% 45.5% 45.3% 44.6% No. of Applications 43.7% 43.2% 45.3% 44.8% 45.7% 30,000 39.6% 39.1% 43.7% 44.2% 38.4% 38.4% 38.2% 36.5% 37.3%
Slide 6: Loan Business (ACOM): Trend of Non-performing Loans
Loan Business (ACOM) [Trend of Non-performing Loans] ◆Non-performing Loans (Billions of yen) 150 15.0% 141.3 Loans to Borrowers in Bankruptcy or under 14.0% Reorganization 120 116.1 118.7 112.8 YoY change: -27.0 billion yen (-24.9%) 13.0% 112.1 109.1 109.8 107.1 108.6 98.3 12.0% 80.9 72.8 77.3 72.1
Slide 7: Provision for Loss on Interest Repayment and Allowance for Doubtful Accounts
Loan Business (ACOM) [Provision for Loss on Interest Repayment and Provision of Allowance for Doubtful Accounts] ◆Provision for Loss on Interest Repayment (Millions of yen) 2011/3 2012/3 2012/3 1Q 2Q 3Q 4Q Total 1Q 2Q 3Q Total (Forecast) Provision for Loss on Interest Repayment 2,239 66,163 15,642 1
Slide 8: Trend of Requests for Interest Repayment and Interest Repayment
Loan Business (ACOM) [Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash-out Basis)] ◆No. of Requests for Interest Repayment (*1) and Interest Repayment (Cash-out Basis) by Month (Millions of yen) 2010/3 2011/3 2012/3 No. of No. of No. of Requests Interest Requests Interest
Slide 9: Guarantee Business
Guarantee Business zGuaranteed Receivables, No. of Accounts with Outstanding Receivables, Operating Revenue and Operating Income (Millions of yen) 2010/12 2011/12 2012/3 (Forecast) yoy Results Results yoy (%) (%) Guaranteed Receivables 431,861 466,585 34,724 8.0 482,200 8.7 No. of Accounts with 881,
Slide 10: Funds Procurements (ACOM)
Funds Procurements (ACOM) (Millions of yen, %) 2011/3 2011/12 2012/3(Forecast) yoy C.R. yoy ytd C.R. yoy C.R. Results Results (%) (%) (%) (%) (%) (%) (%) Borrowings 643,652 -8.8 100.0 640,704 -1.6 -0.5 100.0 550,100 -14.5 100.0 Indirect 402,561 -13.2 62.5 380,753 -9.8 -5.4 59.4 345,600 -14.1 62.8 Di
Slide 11: Overseas Business
Overseas Business (Millions of yen/baht, Billions of rupiah) 2010/12 2011/12 2012/3 (Forecast) yoy Results Results yoy (%) (%) Receivables 69,920 66,196 -3,724 -5.3 73,600 7.3 Loan Business Outstanding [25,333] [26,908] [1,575] [6.2] [26,764] [5.3] No. of Customer (Kingdom of Thailand) 784,057 823,6
Slide 12: Business Alliance and Business Succession by Company Split between ACOM and Jibun Bank
Business Alliance and Business Succession by Company Split between ACOM and Jibun Bank ACOM and Jibun Bank agreed that Jibun Bank will succeed a part of ACOM’s card loan business by measure of company split, in addition to formation of business alliance to contribute to further improvements in custo
Slide 13: Management Vision and Mid-term Outlook
Management Vision and Mid-term Outlook ◆Mid-term Outlook (ACOM) (Billions of yen) Management Vision z Receivables Outstanding by Business Segment 800 We aim to become the “leading company” which provides 761.0 prime satisfactions to as many customers as possible and Loan Business 717.6 730.1 earns t
Slide 14: Reference: Public & Investor Relations Office
Reference Reference: Public & Investor Relations Office Treasury Department Tel: +81-3-5533-0861 E-mail: [email protected] 14