Slide 1: The 3rd Quarter Financial Results for the Fiscal Year Ending March 2011
The 3rd Quarter Financial Results for the Fiscal Year Ending March 2011 ACOM CO., LTD. http://www.acom.co.jp/ir/english February 2, 2011
Slide 2: Summary of Third Quarter Financial Results
Summary of Third Quarter Financial Results (Millions of yen) Consolidated Non-consolidated 2009/12 2010/12 2011/3 (forecast) 2009/12 2010/12 2011/3 (forecast) yoy yoy yoy yoy Results Results Results Results (%) (%) (%) (%) Operating Revenue (*1) 212,433 189,434 -10.8 240,700 -13.7 181,517 160,698 -1
Slide 3: Loan Business
Loan Business ACOM zReceivables Outstanding, No. of Customer Accounts, No. of New Loan Customers, and Operating Revenue by Segment (Millions of yen) 2009/12 2010/12 2011/3 (forecast) yoy Results Results yoy (%) (%) Receivables Outstanding 1,136,652 951,316 -185,336 -16.3 896,500 -18.8 No. of Custom
Slide 4: Guarantee and Loan Servicing Businesses
Guarantee and Loan Servicing Businesses (Millions of yen) 2009/12 2010/12 2011/3 (forecast) yoy Results Results yoy (%) (%) Guaranteed Receivables 312,217 431,861 119,644 38.3 437,600 37.9 Guarantee Business ACOM (*) No. of Accounts with 663,875 881,363 217,488 32.8 884,100 31.9 Outstanding Balance
Slide 5: Loan and Guarantee Businesses (ACOM)
Loan and Guarantee Businesses (ACOM) (Billions of yen) (Thousands) 1,600 4,000 Merged Loan Business of DC Cash One (77.3 billion yen) 3,500 1,277.8 1,240.6 1,204.2 1,179.2 1,200 1,166.2 1,144.1 3,000 1,137.0 1,106.2 1,074.8 1,041.1 2,364 982.6 2,500 2,300 2,236 2,245 926.6 2,180 2,126 2,162 874.4 1,
Slide 6: Provision for Loss on Interest Repayment and Provision of Allowance for Doubtful Accounts (ACOM)
Provision for Loss on Interest Repayment and Provision of Allowance for Doubtful Accounts (ACOM) ◆Provision for Loss on Interest Repayment (Millions of yen) 2010/3 2011/3 2011/3 1Q 2Q 3Q 4Q Total 1Q 2Q 3Q Total (forecast) Provision for Loss on Interest Repayment 738 7,967 12,484 37,173 58,362 2,239
Slide 7: Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM-1)
Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM-1) ◆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 Interest Repayment 14,300 16,000 14,100 13,600
Slide 8: Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM-2)
Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out) (ACOM-2) ◆No. of Requests for Interest Repayment and Interest Repayment (Cash Out Basis) by Month (Millions of yen) 2009/3 2010/3 2011/3 No. of No. of No. of Requests Interest Requests Interest Requests Interest for In
Slide 9: Influence of Full Enactment of Revised Money Lending Business Act
Influence of Full Enactment of Revised Money Lending Business Act Impact of Introducing Cap on Total Borrowing Amount ◆Trend of Customers against the Regulation of ◆Trend of Collection of Income Certificate (*2) Total Borrowing Amount (*1) (%) (%) 60.0 76.0 57.7 58.0 57.6 57.5 57.2 58.0 74.0 74.3 55
Slide 10: Trend of Lending Ratio, No. of Applications, and New Loan Customers of Loan Business by Month (ACOM)
Trend of Lending Ratio, No. of Applications, and New Loan Customers of Loan Business by Month (ACOM) ◆Unsecured Loans for Consumers 50,000 70.0% 45,000 60.0% 40,000 35,000 50.0% 42.7% No. of Applications 40.5% 41.2% 41.1% 40.7% 30,000 43.8% 38.3% 39.6% 39.1% 38.4% 37.3% 38.4% 38.2% 40.0% 42.0% 41.4%
Slide 11: Non-performing Loans (ACOM)
Non-performing Loans (ACOM) ◆Non-performing Loans (Billions of yen) 150 15.0% 141.3 Loans to Borrowers in Bankruptcy or 14.0% 122.8 under Reorganization 120 116.6 116.1 118.7 115.0 112.8 112.1 13.0% 109.1 109.8 107.1 108.6 12.0% 60.0 90 80.9 74.0 67.9 68.8 72.8 77.3 72.1 72.5 61.0 61.9 59.6 Loans in
Slide 12: 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 Loans, No. of Accounts Basis) (Existing Loans, Outstanding Basis) 100% 100% 3.1 3.9 4.1 3.7 1.5 1.6 1.6 2.8 9.4 9.9 10.4 5.3 5.2 14.5 13.3 1
Slide 13: Funds Procurements (ACOM)
Funds Procurements (ACOM) (Millions of yen) 2010/3 2010/9 2010/12 2011/3 (forecast) C.R. yoy C.R. yoy C.R. yoy C.R. yoy Results Results Results (%) (%) (%) (%) (%) (%) (%) (%) Borrowings 705,387 100.0 3.6 677,527 100.0 -11.1 651,307 100.0 -8.2 622,800 100.0 -11.7 Indirect 463,887 65.8 4.1 436,524 64
Slide 14: 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 15: For further information and questions, please contact
Reference ◆For further information and questions regarding this presentation material, please contact: Public Relations (IR) 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 15