Acom Co., Ltd. · TSE:8572

Acom — Q3 FY2008 Earnings Presentation

16 slides from Acom's earnings presentation, Feb 6, 2008

  1. Slide 1: The Third Quarter Financial Results for FY Ending March 2008

    The Third Quarter Financial Results for FY Ending March 2008 ACOM CO., LTD. http://www.acom.co.jp/ir/english/ February 6, 2008

  2. Slide 2: Financial Results Summary

    Financial Results Summary DATA BOOK Page 2 & 4 (Millions of yen, %) The third quarter Consolidated Non-consolidated 2008/3 2008/3 for FY March 2008 Results YOY Results YOY (Forecast) (Forecast) Operating Income 288,762 -10.1 373,500 244,603 -13.6 309,100 Operating Expenses 209,316 -13.0 306,700 167,

  3. Slide 3: Interest-repayment-related & Bad-debt-related Expenses (ACOM)

    Interest-repayment-related & Bad-debt-related Expenses (ACOM) DATA BOOK Page 4 & 9 ‹Interest-repayment-related Expenses (Millions of yen, %) 2007/3 2008/3 Compared 2008/3 to 4Q 1Q 2Q 3Q Cumulative forecast (Forecast) Interest-repayment-related Expenses 186,992 - - - - - - Interest Repayments 18,206

  4. Slide 4: Analysis of Income Decrease (Consolidated)

    Analysis of Income Decrease (Consolidated)DATA BOOK Page 2 ‹Primary Factor: Decrease in income of ACOM The third quarter for FY March 2007 Operating Income (Consolidated): 321,228 million The Thethird thirdquarter quarter for for FY March2008 FY March 2008 Operating Income (Consolidated): Operating

  5. Slide 5: Analysis of Profit Decrease (ACOM)

    Analysis of Profit Decrease (ACOM) DATA BOOK Page 4 ‹Primary Factor: Decrease in Interest on Loans Receivable The third quarter for FY March 2007 Operating Profit (ACOM): 78,266 million The third quarter for FY March 2008 Operating Profit (ACOM): 77,332million The Thethird thirdquarter quarter for f

  6. Slide 6: Loan Business (ACOM)

    Loan Business (ACOM) DATA BOOK Page 5 & 6 The third quarter for FY YOY YTD 2008/3 Results March 2008 (%) (%) (Forecast) Unsecured Loans for Consumers Receivables Outstanding (millions of yen) 1,313,956 -11.3 -9.1 1,274,500 Number of Customer Accounts 2,434,952 -10.9 -8.8 2,345,300 Number of New Loan

  7. Slide 7: Transitions of Lending Ratio (ACOM)

    Transitions of Lending Ratio (ACOM) ‹Unsecured Consumer Loans 50,000 70.0% Monthly lending 63.8% 64.3% ratio (right axis) 65.0% 40,000 64.2% 61.5% 60.0% 58.1% 53.6% 55.0% 30,000 54.1% Tightening of credit 49.5% 47.4% 47.9% screening model in 50.0% 49.3% response to reduction Partial tightening 48.7%

  8. Slide 8: Unsecured Loans Receivable Outstanding for Consumers by Interest Rate (ACOM)

    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 2007/9 2007/12 2008/3(Forecast) C.R. C.R. C.R. C.R. C.R. Loans Receivable 1,446,117 100.0 1,398,806 100.0

  9. Slide 9: Bad Debts (ACOM)

    Bad Debts (ACOM) DATA BOOK Page 9 ‹Quarterly Changes in Bad Debts & Composition Ratio to Loans Receivable Outstanding 150,000 10.0% Composition Ratio 9.30% (right axis) 9.44% 9.54% 125,000 9.37% 9.0% 8.92% (Millions of yen) 100,000 Loans to Borrowers 8.35% in Bankruptcy or Under Reorganization 8.0%

  10. Slide 10: Guarantee / Credit Card Businesses (ACOM)

    Guarantee / Credit Card Businesses (ACOM)DATA BOOK Page 10 The third quarter for FY YOY YTD 2008/3 Results March 2008 (%) (%) (Forecast) Guarantee Business Number of Customer Accounts with Outstanding Balance 406,452 0.1 -0.3 427,000 Guaranteed Loans Receivables (Millions of yen) 178,831 1.0 -0.4 19

  11. Slide 11: DC Cash One Ltd.

    DC Cash One Ltd. DATA BOOK Page 11 The third quarter for FY YOY YTD 2008/3 Results March 2008 (%) (%) (Forecast) Receivable Outstanding (Millions of yen) 81,651 0.1 -1.3 84,000 Number of Customer Accounts 180,934 -0.4 -1.1 181,500 Average Balance of Loans per Account 451 +3 -1 462 (Thousands of yen)

  12. Slide 12: EASY BUY Public Company Limited

    EASY BUY Public Company Limited DATA BOOK Page 3 The third quarter for FY YOY YTD 2008/3 Results March 2008 (%) (%) (Forecast) Loan Business Receivables Outstanding 54.0 31.3 (Millions of yen) 65,565 70,900 (31.7) (22.0) Number of Customer Accounts 629,698 16.9 13.2 674,000 Installment Sales Finance

  13. Slide 13: Oversea Business

    Oversea Business ‹Business Development in Indonesia PT. BANK NUSANTARA PARAHYANGAN Tbk. (Bank BNP) 9Concluded a share purchase transaction on December 17, 2007 with The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU). (ACOM: Approximately 55.4%、BTMU: 20%) 9A TOB for the remaining shares by ACOM is in forc

  14. Slide 14: ACOM will become brand new ACOM

    ACOM will become brand new ACOM ACOM will become a corporate group which will pay further attention to sociality such as consumer protection. Through provision of financial service which is less expensive, yet provide relief and confidence, ACOM will attempt to make significant contribution to healt

  15. Slide 15: 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/ 15

  16. Slide 16: Question and Answer

    GY) acom Question and Answer

Acom — Q3 FY2008 Earnings Presentation on 6ix