Acom Co., Ltd. · TSE:8572

Acom — Q1 FY2012 Earnings Presentation

14 slides from Acom's earnings presentation, Jul 28, 2011

  1. Slide 1: The First Quarter Financial Results for Fiscal Year Ending March 2012

    The First Quarter Financial Results for Fiscal Year Ending March 2012 ACOM CO., LTD. http://www.acom.co.jp/ir/english July 28, 2011

  2. Slide 2: Summary of First Quarter Financial Results

    Summary of First Quarter Financial Results (Millions of yen) Consolidated Non-consolidated 2010/6 2011/6 2012/3 (forecast) 2010/6 2011/6 2012/3 (forecast) yoy yoy yoy yoy Results Results Results Results (%) (%) (%) (%) Operating Revenue (*1) 66,607 54,104 -18.8 204,300 -16.9 56,913 45,208 -20.6 167,

  3. Slide 3: Loan Business

    Loan Business Receivables Outstanding, No. of Customer Accounts, No. of New Customers, Operating Revenue (Loan Business) (Millions of yen) 2010/6 2011/6 2012/3 (Forecast) yoy Results Results yoy (%) (%) Receivables Outstanding 1,068,681 873,676 -195,005 -18.2 761,000 -15.7 No. of Customer Accounts

  4. Slide 4: Loan Business: Trend of Receivables Outstanding

    Loan Business (ACOM) [Trend of Receivables Outstanding] ◆Unsecured Loans for Consumers (Billions of yen) (Thousands) 1,500 3,200 1,446.1 May 1, 2009 Absorbed Loan Business of DC Cash One June 18, 2010 2,800 2,670 1,250 Full Enforcement of Revised Money Lending Business Act 1,179.2 (Introduction of c

  5. Slide 5: Loan Business: Applications, New Loan Customers, and Lending Ratio

    Loan Business (ACOM) [Trend of No. of Applications, No. of New Loan Customers, and Lending Ratio] ◆Unsecured Loans for Consumers 50,000 70.0% 45,000 60.0% 40,000 35,000 50.0% 46.1% 45.3% 45.5% No. of Applications 43.7% 43.7% 30,000 39.6% 39.1% 38.4% 38.4% 38.2% 40.0% 36.5% 37.3% 39.1% 35.7% 36.2% 34

  6. Slide 6: Loan Business: Trend of Non-performing Loans

    Loan Business (ACOM) [Trend of Non-performing Loans] ◆Non-performing Loans (Billions on yen) 150 15.0% 141.3 Loans to Borrowers in Bankruptcy or under Reorganization 14.0% 120 118.7 116.1 112.8 13.0% 112.1 108.6 109.1 109.8 107.1 98.3 12.0% 80.9 72.8 77.3 72.1 72.5 61.0 61.9 59.6 60.0 93.6 90 49.9 1

  7. 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 (Forecast) Provision for Loss on Interest Repayment 2,239 66,163 15,642 159,412 243,4

  8. 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 and Interest Repayment (Cash Out Basis) by Month (Millions of yen) 2010/3 2011/3 2012/3 No. of No. of No. of Requests for Interest Requests for Inte

  9. Slide 9: Guarantee Business

    Guarantee Business Guaranteed Receivables, No. of Accounts with Outstanding Balance, Operating Revenue (Guarantee Business) (Millions of yen) 2010/6 2011/6 2012/3 (Forecast) yoy Results Results yoy (%) (%) Guaranteed Receivables 319,110 449,686 130,576 40.9 482,200 8.7 No. of Accounts with 676,260

  10. Slide 10: Funds Procurements (ACOM)

    Funds Procurements (ACOM) (Millions of yen) 2011/3 2011/6 2012/3 (Forecast) yoy C.R. yoy C.R. yoy C.R. Results Results (%) (%) (%) (%) (%) (%) Borrowings 643,652 -8.8 100.0 627,549 -10.5 100.0 550,100 -14.5 100.0 Indirect 402,561 -13.2 62.5 370,121 -19.3 59.0 345,600 -14.1 62.8 Direct 241,090 -0.2 3

  11. Slide 11: Overseas Business

    Overseas Business Kingdom of Thailand Loan and Hire Purchase Business Based on sound credit screening measures, it has maintained the quality of its loan portfolio and proactively undertaken other sales activities Republic of Indonesia Banking Business EASY BUY Public Company Limited It has implem

  12. Slide 12: Overseas Business (EASY BUY) Loan Business

    Overseas Business (EASY BUY) [Loan Business] Receivables Outstanding, No. of Customer Accounts, and Operating Revenue (Loan Business) (Millions of yen/baht) 2010/6 2011/6 2012/3 (Forecast) yoy Results Results yoy (%) (%) Receivables ¥ 69,996 70,142 146 0.2 73,600 7.3 Outstanding Baht 24,389 (*1) 25

  13. Slide 13: Management Vision and Mid-term Outlook

    Management Vision and Mid-term Outlook ◆Mid-term Outlook (ACOM) (billions of yen) Management Vision  Receivables Outstanding by Business Segment 800 社名の由来 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 e

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

    Reference ◆ For further information and questions regarding this presentation material, please contact: Public & Investor Relations Office Treasury Department Tel:+81-3-5533-0861 email:[email protected] ◆ For updated company information, please refer to our website: http://www.acom.co.jp/ir/english 14

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