Acom Co., Ltd. · TSE:8572

Acom — Q1 FY2010 Earnings Presentation

17 slides from Acom's earnings presentation, Jul 30, 2009

1. Slide 1: http://www.acom.co.jp/ir/

   http://www.acom.co.jp/ir/ 2009 7 30

2. Slide 2: Overview of Q1 results and group companies

   9 1 5 2009 6 1 2 EASY BUY Public Company Limited PT. BANK NUSANTARA PARAHYANGAN, Tbk. ACOM (U.S.A.) INC. 1 DC 2009 4 1 2009 5 1 2 2009 4 1 2

3. Slide 3: Consolidated results and forecasts

   ( %) 2010/3 2010/3 ( ) ( ) ( ) ( ) 70,573 -17.4 260,400 60,777 -12.3 221,700 62,749 -14.5 228,100 55,507 -12.3 202,300 1,057 -16.3 3,800 943 -16.4 3,500 1,029 -26.0 3,500 - - - 2,146 -21.6 10,000 2,328 -16.1 9,900 2,650 -34.4 11,100 - - - 940 -63.1 3,900 1,999 -5.9 6,000 61,568 2.6 228,200 52,904 17

4. Slide 4: Net income analysis and data book

   ‹ 2009 3 1 24,361 8,555 2010 2010 33 11 17,835 17,835 16,489 16,489 8,293 2010 3 1 7,872 26 1,347 1,347 542 738 456 223 349 1 DATA BOOK 2 2009 3 1 4

5. Slide 5: EASY BUY and operating results

   ( %) 2010/3 (%) (%) ( ) 1,212,596 -5.2 3.5 1,116,300 2,254,285 -2.4 5.6 2,062,100 46,576 0.0 - 169,000 57,214 -12.1 - 207,500 ¥ 63,640 0.1 8.4 67,700 EASY BUY ( 1) 23,058 15.3 2.2 ( 1) 24,528 800,177 23.0 0.5 826,700 ¥ 4,470 -10.8 - 19,500 ( 2) 1,687 17.5 - ( 1) 7,065 1 1 =2.76 (2009 3 ) 2 1 =2.65 (

6. Slide 6: Loan balance and customer accounts trend

   ( ) ( ) 1,600,000 4,000,000 1,446,117 DC DC 1,398,806 1,362,440 3,500,000 1,313,956 1,277,879 1,240,604 1,204,214 1,200,000 1,166,252 1,137,099 1,179,287 3,000,000 2,670,606 1,088,400 2,512,946 2,364,664 2,500,000 2,583,054 2,236,674 2,434,952 2,126,348 2,054,700 2,300,425 800,000 2,180,849 2,245,69

7. Slide 7: New customer acquisition trend

   ( ) 140,000 70.0% 120,000 60.0% 100,000 50.0% 48.0% 40.2% 38.4% 80,000 38.0% 36.8% 42.5% 40.0% 41.3% 38.0% 39.0% 58,288 60,000 32.8% 30.0% 48,386 46,587 48,585 46,525 46,576 42,453 44,041 43,756 40,979 40,000 20.0% 20,000 10.0% 0 0.0% '07/3 '07/6 '07/9 '07/12 '08/3 '08/6 '08/9 '08/12 '09/3 '09/6 7

8. Slide 8: Loan balance breakdown and interest rates

   ( ) ( %) 2008/6 2008/9 2008/12 2009/3 2009/6 2010/3 % % % % % ( ) % 1,240,604 100.0 1,204,214 100.0 1,166,252 100.0 1,137,099 100.0 1,179,287 100.0 1,088,400 100.0 18% 713,596 57.5 652,221 54.2 604,656 51.9 562,043 49.4 523,138 44.4 253,800 23.3 18% 527,008 42.5 551,991 45.8 561,596 48.1 575,056 50.

9. Slide 9: Quarterly results and forecasts

   ( ) 2009/3 2010/3 2010/3 1Q 2Q 3Q 4Q 1Q ( ) - 19,590 17,373 15,194 52,157 738 - 19,971 22,749 22,152 21,331 86,203 26,291 - 19,702 22,121 22,162 20,966 84,953 27,059 - 14,792 16,378 14,120 12,064 57,354 12,947 - -34,764 -19,536 -18,900 -18,200 -91,400 -38,500 -132,000 340,035 320,500 301,600 283,400

10. Slide 10: Monthly operating trends

    ( ) ( ) 20,000 18,000 16,500 18,000 16,000 14,300 16,000 14,100 14,000 14,000 12,600 12,800 14,000 12,500 12,000 10,500 12,194 12,000 10,100 9,800 10,000 9,900 11,10011,400 10,900 9,200 10,000 8,900 10,200 10,000 8,600 8,100 8,500 9,800 8,400 7,900 7,800 8,000 8,000 7,773 7,600 7,730 7,548 7,863 8,3

11. Slide 11: Delinquency and allowance trends

    ( ) 2,595 (2.2%) 150,000 12.0% 141,307 138,128 -4,097 (-3.3%) 132,080 126,421 124,767 122,824 11.0% 120,000 116,628 115,012 116,132 118,727 9.89% 9.78% 10.0% 9.54% 9.58% 9.55% 90,000 9.44% 9.37% 9.30% 9.44% 9.37% 9.0% 60,000 8.0% 30,000 7.0% 0 6.0% '07/3 '07/6 '07/9 '07/12 '08/3 '08/6 '08/9 '08/12 '

12. Slide 12: Funding composition and borrowing rates

    ( ) ( ) 100% 1.5 100% 3.1 3.9 4.1 3.7 5.3 5.4 5.1 4.7 13.3 11.5 9.4 10.5 17.4 16.1 14.5 9.9 10.9 11.7 11.9 11.9 22.4 12.4 12.5 12.1 11.6 12.9 80% 16.3 80% 14.1 14.3 14.4 14.2 14.3 27.9 28.4 28.0 27.7 28.0 13.3 25.4 26.6 26.9 27.3 19.1 19.3 18.6 19.0 60% 88.0 60% 17.8 18.2 25.0 16.5 25.8 68.1 23.9 24

13. Slide 13: Subsidiary results (UFJ related)

    ( %) 2010/3 (%) (%) ( ) 118,777 13.7 2.6 161,000 260,916 8.9 2.2 344,300 ( ) 2,146 13.0 - 10,000 19,658 -29.4 -6.0 18,000 283,503 20.5 10.8 - 2,650 -34.4 - 11,100 2,512 -34.7 - - 9 UFJ 16 13

14. Slide 14: EASY BUY results

    ( %) (%) (%) 2010/3( ) 30,839 -15.0 -4.3 26,700 523,023 -33.6 -9.8 384,000 1,050 -15.9 - 3,800 168 -54.8 -22.7 - 2,203 -47.9 -18.1 800 6 -52.3 - 0 33,684 2.3 3.1 32,900 144,525 -7.1 -0.6 142,500 789 5.5 - 3,100 ¥ 2,531 -61.4 -12.7 2,100 ( 1) 917 -55.5 -17.8 ( 1) 760 EASY BUY 63,596 -48.1 -14.9 61,20

15. Slide 15: Balance sheet and borrowings

    ( %) 2009/3 2009/6 2010/3 ( ) (%) 680,734 100.0 -93,673 741,111 100.0 9,849 720,600 100.0 5.9 445,734 65.5 -68,673 506,111 68.3 19,849 485,600 67.4 8.9 235,000 34.5 -25,000 235,000 31.7 -10,000 235,000 32.6 0.0 612,400 90.0 -105,472 676,772 91.3 18,520 673,800 93.5 10.0 1.79 1.77 2.08 2.31 2.18 - 1

16. Slide 16: 16

    16

17. Slide 17: IR contact

    IR ir@acom.co.jp http://www.acom.co.jp/ir/ 17

Acom — Q1 FY2010 Earnings Presentation on 6ix