Slide 1: The 3rd Quarter Financial Results for the Fiscal Year Ending March 2010
The 3rd Quarter Financial Results for the Fiscal Year Ending March 2010 ACOM CO., LTD. http://www.acom.co.jp/ir/english February 2, 2010
Slide 2: Summary of Third Quarter Financial Results
Summary of Third Quarter Financial Results (Millions of yen, %) Consolidated Non-consolidated (*2) The Third Quarter for the FY Ending March 2010 (Cumulative) 2010/3 2010/3 Results yoy Results yoy (Estimate) (Estimate) Operating Revenue 212,433 -15.0 276,400 181,517 -9.9 237,600 Loan Business 183,87
Slide 3: Loan Business
Loan Business ACOM zReceivables Outstanding, No. of Customer Accounts, and No. of New Loan Customer (Millions of yen, %) 2010/3 Results yoy (%) ytd (%) (Estimate) Receivables Outstanding 1,136,652 -5.5 -3.0 1,113,600 Number of Customer Accounts 1,996,255 -8.8 -6.5 1,972,300 Number of New Loan Custo
Slide 4: Trend of Receivables Outstanding and No. of Customer Accounts of Loan Business (ACOM)
Trend of Receivables Outstanding and No. of Customer Accounts of Loan Business (ACOM) ◆Unsecured Loans for Consumers (Billions of yen) (Thousands) 1,600 4,000 Absorbed Loan 1,446.1 1,398.8 Business of DC 1,362.4 Cash One 3,500 1,313.9 1,277.8 1,240.6 1,204.2 1,179.2 1,200 1,166.2 3,000 1,137.0 1,144
Slide 5: Trend of Lending Ratio, Applications, and New Loan Customers by Quarter (ACOM)
Trend of Lending Ratio, No. of Applications, and No. of New Loan Customers of Loan Business by Quarter (ACOM) ◆Unsecured Loans for Consumers 140,000 70.0% 120,000 No. of Applications* 60.0% (Left axis) 100,000 Lending Ratio* 50.0% 48.0% (Right axis) 40.2% 38.4% 80,000 38.0% 36.8% 42.5% 40.0% 41.3% 3
Slide 6: Interest Repayment and Bad Debts Expenses (ACOM)
Interest Repayment and Bad Debts Expenses (ACOM) ◆Provision for Loss on Interest Repayment (Millions of yen) 2010/3 2010/3 2009/3 1Q 2Q 3Q Cumulative (Estimate) Provision for Loss on Interest Repayment 52,157 738 7,967 12,484 21,189 31,600 Interest Repayment 86,203 26,291 22,536 20,018 68,845 - (Ref
Slide 7: Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM)
Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM) ◆No. of Requests for Interest Repayment and Interest Repayment (Cash Out Basis) by Month (Millions of yen) 20,000 18,000 16,500 18,000 16,000 No. of Requests for 14,300 16,000 Interest Repayment* 14,100 13,600 1
Slide 8: Trend of Composition Ratio of Loans Receivable Outstanding by Number of Other Lenders (ACOM)
Trend of Composition Ratio of Loans Receivable Outstanding by Number of Other Lenders (ACOM) ◆Unsecured Loans for Consumers ◆Unsecured Loans for Consumers (New Loan, No. of Accounts Basis) (Existing Loan, Outstanding Basis) 100% 100% 3.1 3.9 4.1 3.7 1.5 1.6 1.6 5.3 5.4 5.1 4.7 11.5 9.4 9.9 10.5 10.2
Slide 9: Non-performing Loans (ACOM)
Non-performing Loans (ACOM) ◆ Changes in Non-performing Loans and Composition Ratio to Loans Receivable Outstanding ytd: 150,000 -3,940 million yen (-3.4%) 12.0% 141,307 yoy: 138,128 -2,820 million yen (-2.5%) 132,080 126,421 124,767 122,824 11.0% 120,000 116,628 115,012 116,132 118,727 Loans to Bor
Slide 10: No. of Loan Business Outlets and Permanent Employees (ACOM)
No. of Loan Business Outlets and Permanent Employees (ACOM) ◆Changes in the No. of Loan Business Outlets and Permanent Employees 4,500 1,800 1,802 1,726 1,670 1,559 1,552 1,525 4,000 1,500 3,767 1,489 3,911 1,448 1,418 1,305 No. of Permanent 3,500 1,200 Employees (Right axis) 3,000 900 2,801 2,740 2
Slide 11: Guarantee and Loan Servicing Businesses
Guarantee and Loan Servicing Businesses (Millions of yen,%) yoy ytd 2010/3 Results (%) (%) (Estimate) Guaranteed Receivables 312,217 177.8 169.8 313,800 Guarantee ACOM (*1) Business No. of Accounts with 663,875 164.1 160.1 657,000 Outstanding Balance Operating Revenue 9,681 58.0 - 14,100 Receivables
Slide 12: Funds Procurement (ACOM)
Funds Procurement (ACOM) (Millions of yen, %) 2009/3 2009/9 2009/12 2010/3 (Estimate) Yoy C.R. yoy C.R. yoy C.R. yoy C.R. (%) Borrowings 680,734 100.0 -93,673 762,463 100.0 47,346 709,263 100.0 7,952 720,600 100.0 5.9 Indirect 445,734 65.5 -68,673 507,463 66.6 27,346 492,763 69.5 26,452 485,600 67.4
Slide 13: Moving toward an Entirely New ACOM
Moving toward an Entirely New ACOM Restructuring Internal Organization and Strengthening Business Foundation for Next Growth ACOM is concentrating its management resources in three areas – its mainstay unsecured loan Collection Credit business and its other core Screening Loan Business guarantee a
Slide 14: Reference
Reference ◆ For further information and questions regarding this presentation material, please contact: Investor Relations Office Tel: +81-3-5533-0631 email: ir@acom.co.jp ◆ For updated company information, please refer to our website: http://www.acom.co.jp/ir/english/ 14