Acom Co., Ltd. · TSE:8572
Acom — Q1 FY2013 Earnings Presentation
14 slides from Acom's earnings presentation, Jul 30, 2012
Slide 1: The First Quarter Financial Results for Fiscal Year Ending March 2013
The First Quarter Financial Results for Fiscal Year Ending March 2013 ACOM CO., LTD. http://www.acom.co.jp/ir/english July 30, 2012
Slide 2: Summary of First Quarter Financial Results
Summary of First Quarter Financial Results (Millions of yen) Consolidated Non-consolidated 2012/6 2013/3 2012/6 2013/3 yoy yoy yoy yoy Results (Forecast) Results (Forecast) (%) (%) (%) (%) Operating Revenue 49,484 -8.5 186,900 -11.2 40,025 -11.5 149,700 -13.9 Loan Business 33,605 -13.2 123,400 -16.6
Slide 3: Impact of Company Split to Jibun Bank Corporation
Impact of Company Split to Jibun Bank Corporation On January 20, 2012, ACOM agreed to from a business alliance with Jibun Bank in order to contribute to further improvement in customer services and the development of a sound consumer finance market. Additionally, ACOM agreed that Jibun Bank would su
Slide 4: Loan Business (ACOM)
Loan Business (ACOM) zPrimary Indices (Millions of yen) 2011/6 2012/6 2013/3 yoy Results Results yoy (Forecast) (%) (%) Receivables Outstanding 873,676 741,282 -132,394 -15.2 713,300 -10.7 No. of Customer Accounts 1,676,206 1,466,838 -209,368 -12.5 1,424,300 -9.6 No. of New Customers 39,856 43,516 3
Slide 5: Loan Business: Receivables Outstanding and No. of Customer Accounts
Loan Business (ACOM) [Receivables Outstanding and No. of Customer Accounts] ◆Trend of Receivables Outstanding and No. of Customer Accounts in Unsecured Consumer Loans (Billions of yen) (Thousands) 1,500 3,200 May 1, 2009: Absorbed Loan Business of Decrease by approximately 5.0% yoy, DC Cash One (DCC
Slide 6: Loan Business: Applications, New Customers and Lending Ratio
Loan Business (ACOM) [No. of Applications, No. of New Customers and Lending Ratio] ◆Trend of No. of Applications, No. of New Customers and Lending Ratio in Unsecured Consumer Loans 50,000 70.0% Major Contributing Factors 45,000 1. Improved public awareness on regulation on the total borrowing amount
Slide 7: Loan Business: Requests for Interest Repayment and Interest Repayment
Loan Business (ACOM) [No. of Requests for Interest Repayment and Interest Repayment] zTrend of Monthly No. of Requests for Interest Repayment (*1) and Interest Repayment (Cash-out Basis) (Millions of yen) 2011/3 2012/3 2013/3 No. of No. of No. of Requests Interest Requests Interest Requests Interest
Slide 8: Loan Business: Provision for Loss on Interest Repayment and Bad Debts
Loan Business (ACOM) [Provision for Loss on Interest Repayment and Provision for Bad Debts] zTrend of Provision for Loss on Interest Repayment (Millions of yen) 2012/3 2013/3 2013/3 1Q 2Q 3Q 4Q Total 1Q (Forecast) Provision for Loss on Interest Repayment - - - 48,807 48,807 - - Interest Repayment 23
Slide 9: Loan Business: Non-performing Loans
Loan Business (ACOM) [Non-performing Loans] ◆Trend of Non-performing Loans (Billions of yen) 150 15.0% Loans to Borrowers in 14.0% Bankruptcy or under Reorganization 120 13.0% 109.1 109.8 107.1 108.6 98.3 YoY change: -23.9 billion yen (-25.6%) 12.0% 61.0 61.9 59.6 60.0 93.6 90 49.9 89.8 Loans in Arr
Slide 10: Guarantee Business (ACOM)
Guarantee Business (ACOM) zPrimary Indices (Millions of yen) 2011/6 2012/6 2013/3 yoy Results Results yoy (Forecast) (%) (%) Guaranteed Receivables 449,686 540,370 90,684 20.2 570,000 17.9 No. of Accounts with 910,990 1,074,956 163,966 18.0 1,120,500 18.0 Outstanding Receivables Operating Revenue 5,
Slide 11: Funds Procurements (ACOM)
Funds Procurements (ACOM) (Millions of yen, %) 2012/3 2012/6 2013/3 yoy C.R. yoy ytd C.R. yoy C.R. Results Results (Forecast) (%) (%) (%) (%) (%) (%) (%) Borrowings 611,827 -4.9 100.0 576,407 -8.1 -5.8 100.0 568,500 -7.1 100.0 Indirect 378,198 -6.1 61.8 365,816 -1.2 -3.3 63.5 355,700 -5.9 62.6 Direc
Slide 12: Financial Business at Overseas
Financial Business at Overseas zPrimary Indices (Millions of yen/baht, Billions of rupiah) 2011/6 2012/6 2013/3 yoy Results Results yoy (Forecast) (%) (%) Receivables 70,142 74,526 4,383 6.2 77,400 14.5 Outstanding Loan Business Baht 25,506 27,912 2,406 9.4 28,988 5.1 No. of Customer 782,948 862,449
Slide 13: Primary Consolidated Subsidiaries and Equity-method Affiliate
Primary Consolidated Subsidiaries and Equity-method Affiliate ◆Primary Consolidated Subsidiaries % of Equity Outline of Business Company Name Held Loan servicing business IR Loan Servicing, Inc. 100% Installment sales finance AFRESH CREDIT CO., LTD. 100% business Loan business EASY BUY Public Compan
Slide 14: Reference: Public & Investor Relations Office
Reference Reference: Public & Investor Relations Office Treasury Department Tel: +81-3-5533-0861 E-mail: ir@acom.co.jp The figures in forecasts are prepared based on information currently available to ACOM and involve risks and uncertainties. Actual results may differ from these figures due to vario