Acom Co., Ltd. · TSE:8572
Acom — Q3 FY March 2009 Earnings Presentation
16 slides from Acom's earnings presentation, Feb 5, 2009
Slide 1: The Third Quarter Financial Results for Fiscal Year Ending March 2009
The Third Quarter Financial Results for Fiscal Year Ending March 2009 ACOM CO., LTD. http://www.acom.co.jp/ir/english/ February 5, 2009
Slide 2: Financial Results Summary
Financial Results Summary (Millions of yen) Consolidated Non-consolidated YOY 2009/3 YOY 2009/3 Results Results (%) (Estimate) (%) (Estimate) Operating Revenue 249,819 -13.5 327,500 201,377 -17.7 261,100 Operating Expenses 218,973 4.6 274,900 174,653 4.4 212,900 Operating Income 30,845 -61.2 52,600
Slide 3: Provision for Loss on Interest Repayment & Provision of Allowance for Doubtful Accounts (ACOM)
Provision for Loss on Interest Repayment & Provision of Allowance for Doubtful Accounts (ACOM) ◆Provision for Loss on Interest Repayment (Millions of yen) 2009/3 2009/3 2008/3 1Q 2Q 3Q Cumulative (Estimate) Provision for Loss on Interest Repayment 19,620 - 19,590 17,373 36,963 19,600 Interest Repaym
Slide 4: Analysis of Revenue Decrease (Consolidated)
Analysis of Revenue Decrease (Consolidated) Primary Factor: Decrease in Revenue of ACOM The third quarter for FY March 2008 Consolidated operating revenue: 288,762 million yen The Thethird thirdquarter quarterfor forFY FYMarch March2009 2009 Consolidated operating revenue Consolidated operating rev
Slide 5: Analysis of Income Decrease (ACOM)
Analysis of Income Decrease (ACOM) Primary Factor: Increase in Provision for Loss on Interest Repayment The third quarter for FY March 2008 Operating Income (ACOM): 77,332 million The Thethird thirdquarter quarterfor forFY FYMarch March2009 2009 Operating Income (ACOM) Operating Income (ACOM) YOY Y
Slide 6: Loan Business (ACOM)
Loan Business (ACOM) YOY YTD 2009/3 Results (%) (%) (Estimate) Unsecured Loans for Consumers Receivables Outstanding (millions of yen) 1,166,252 -11.2 -8.7 1,131,900 Number of Customer Accounts 2,180,849 -10.4 -7.8 2,094,700 Number of New Loan Customers 138,928 5.4 - 180,100 Lending Ratio (%) 41.3 5
Slide 7: Transitions of Lending Ratio, No. of Application and New Loan Customers (ACOM)
Transitions of Lending Ratio, No. of Application and New Loan Customers (ACOM) ◆Unsecured Loan for Consumers 45,000 60.0% Recovery Recoveryof of 40,000 lending lending ratio due ratio due to change in credit to change in credit 50.0% screening screening 35,000 Monthly Monthlylending lending 42.7% ra
Slide 8: Unsecured Accounts Receivable-operating Loans by Interest Rate and Average Loan Yield (ACOM)
Unsecured Accounts Receivable-operating Loans by Interest Rate and Average Loan Yield (ACOM) ◆Unsecured Loans for Consumers (Millions of yen, %) 2009/3 2008/3 2008/6 2008/9 2008/12 (Estimate) C.R. C.R. C.R. C.R. C.R. Accounts Receivable- 1,277,879 100.0 1,240,604 100.0 1,204,214 100.0 1,166,252 100.
Slide 9: Non-performing Loans (ACOM)
Non-performing Loans (ACOM) ◆Changes in Non-performing Loans and Composition Ratio to Loans Receivable Outstanding -11,409, -9.0% (YOY) 150,000 12.0% 141,307 138,128 -9,755, -7.8% (YTD) 132,080 126,421 124,767 122,824 11.0% 120,000 Loans Loans to to borrowers borrowers in in 116,628 115,012 109,573
Slide 10: Guarantee / Credit Card Businesses (ACOM)
Guarantee / Credit Card Businesses (ACOM) YOY YTD 2009/3 Results (%) (%) (Estimate) Guarantee Business Guaranteed Receivables (Millions of yen) 191,277 7.0 5.2 194,500 Number of Customer Accounts with Outstanding Balance 429,891 5.8 4.5 435,200 Credit Card Business Card Shopping Receivables (Million
Slide 11: DC Cash One Ltd.
DC Cash One Ltd. YOY YTD 2009/3 Results (%) (%) (Estimate) Receivables Outstanding (Millions of yen) 78,868 -3.4 -2.8 80,000 Number of Customer Accounts 178,477 -1.4 -0.9 182,430 Average Balance of Loans per Account 441 -10 -9 438 (Thousands of yen) (Thousands of yen) (Thousands of yen) Number of Ne
Slide 12: Overseas Business (EASY BUY & BANK BNP)
Overseas Business (EASY BUY & BANK BNP) YOY YTD 2009/3 Results (%) (%) (Estimate) EASY BUY Public Company Limited Loan Business Receivables Outstanding -0.7 -12.8 (Millions of yen) 65,133 68,900 (20.3) (10.2) Number of Customer Accounts 750,473 19.2 17.6 839,000 Installment Sales Finance Business In
Slide 13: Funds Procurement (ACOM)
Funds Procurement (ACOM) (Millions of yen, %) 2008/3 2008/9 2008/12 2009/3 (Estimate) YOY C.R. YOY C.R. YOY C.R. YOY C.R. (%) Borrowings 774,407 100.0 -114,180 715,117 100.0 -105,469 701,311 100.0 -92,700 742,400 100.0 -4.1 Indirect 514,407 66.4 -66,220 480,117 67.1 -56,489 466,311 66.5 -45,710 507,
Slide 14: ACOM Subsidiaries
ACOM Subsidiaries ◆Number of Consolidated Subsidiaries: 16 (including 5 Investment partnerships, as of the end of December 2008) ACOM ACOM Group Group (Extract) (Extract) Loan ACOM CO., LTD. Financial Services Business Credit Card Plan Plan to totransfer transfer its its business to Mitsubishi busin
Slide 15: 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
Slide 16: For further information and questions, please contact
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/ 16