Acom Co., Ltd. · TSE:8572
Acom — Q3 FY2009/3 Earnings Presentation
16 slides from Acom's earnings presentation, Feb 5, 2009
Slide 1: Acom IR presentation, 5 February 2009
http://www.acom.co.jp/ir/ 2009 2 5
Slide 2: Consolidated results and forecast for FY2009/3
2009/3 2009/3 % % 249,819 -13.5 327,500 201,377 -17.7 261,100 218,973 4.6 274,900 174,653 4.4 212,900 30,845 -61.2 52,600 26,723 -65.4 48,200 32,404 -59.9 54,900 28,815 -63.7 51,300 27,995 -56.9 54,500 33,070 -48.0 51,000 20,809 -44.9 47,200 24,170 -38.3 41,900 9 9 2
Slide 3: Quarterly results and operating data
2009/3 2009/3 2008/3 1Q 2Q 3Q 19,620 - 19,590 17,373 36,963 19,600 75,981 19,971 22,749 22,152 64,872 - 77,938 19,702 22,121 22,162 63,986 - 58,838 14,792 16,378 14,120 45,290 - -115,200 -34,764 -19,536 -18,900 -73,200 -118,900 374,800 340,035 320,500 301,600 255,900 2009/3 2007/12 2008/3 2008/6 200
Slide 4: Operating revenue and segment overview
2008 3 3 288,762 2009 2009 33 33 38,943 38,943 43,160 43,160 42,429 2009 3 3 249,819 DC 4,218 4,218 118 2,552 317 EASY BUY 621 296 52 IR 993 DATA BOOK 4
Slide 5: Operating expenses and profit by segment
2008 3 3 77,332 2009 2009 33 33 50,609 50,609 43,226 83,173 83,173 2009 3 3 26,723 32,566 32,566 26,483 36,963 1,587 606 1,133 907 1,083 2,077 1,674 DATA BOOK 5
Slide 6: Loan balance and customer data
2009/3 (%) (%) 1,166,252 -11.2 -8.7 1,131,900 2,180,849 -10.4 -7.8 2,094,700 138,928 5.4 - 180,100 % 41.3 5.1 p.p. - - 1,634 -58 -55 1,611 6
Slide 7: Monthly new loan trends
45,000 60.0% 40,000 50.0% 35,000 42.7% 41.1% 40.7% 43.8% 30,000 37.5% 42.0% 40.0% 40.5% 41.2% 41.4% 39.6% 37.9% 25,000 33.1% 32.8% 30.0% 20,000 16,925 17,131 16,932 17,588 17,454 15,466 14,604 13,990 14,218 15,000 13,543 20.0% 12,512 12,606 10,463 10,000 10.0% 5,000 0 0.0% '07/12 '08/1 '08/2 '08/3 '
Slide 8: Loan balance breakdown
% 2008/3 2008/6 2008/9 2008/12 2009/3 1,277,879 100.0 1,240,604 100.0 1,204,214 100.0 1,166,252 100.0 1,131,900 100.0 18% 786,517 61.6 713,596 57.5 652,221 54.2 604,656 51.9 552,000 48.8 18% 491,361 38.4 527,008 42.5 551,991 45.8 561,596 48.1 579,900 51.2 15% 208,603 16.3 229,749 18.5 244,408 20.3 2
Slide 9: Interest rate and balance trends
-11,409, -9.0% ( ) 150,000 -9,755, -7.8% ( ) 12.0% 141,307 138,128 132,080 126,421 124,767 122,824 11.0% 120,000 116,628 115,012 109,573 10.0% 9.54% 9.58% 9.55% 90,000 9.44% 9.37% 9.44% 9.37% 9.30% 9.0% 60,000 8.0% 30,000 7.0% 6.85% 0 6.0% '06/3 '07/3 '07/6 '07/9 '07/12 '08/3 '08/6 '08/9 '08/12 9
Slide 10: Operating expenses and bad debt costs
2009/3 (%) (%) 191,277 7.0 5.2 194,500 429,891 5.8 4.5 435,200 33,486 -14.9 -11.1 30,800 31,873 -13.1 -10.3 - 636,504 -32.4 -26.6 573,500 326,539 -40.4 -33.9 - 10
Slide 11: DC card business results
DC 2009/3 (%) (%) 78,868 -3.4 -2.8 80,000 178,477 -1.4 -0.9 182,430 441 -10 -9 438 18,371 -3.1 - 27,600 28,932 52.3 44.6 32,900 11
Slide 12: EASY BUY and Bank BNP results
EASY BUY & BANK BNP 2009/3 (%) (%) EASY BUY Public Company Limited -0.7 -12.8 65,133 68,900 (20.3) (10.2) 750,473 19.2 17.6 839,000 -65.9 -59.1 4,149 5,600 (-58.7) (-48.3) 88,237 -53.2 -42.9 129,000 PT. BANK NUSANTARA PARAHYANGAN Tbk. 22,840 - 13.8 23,200 3,862 - -3.5 - 12
Slide 13: Allowance and receivables detail
2008/3 2008/9 2008/12 2009/3 (%) 774,407 100.0 -114,180 715,117 100.0 -105,469 701,311 100.0 -92,700 742,400 100.0 -4.1 514,407 66.4 -66,220 480,117 67.1 -56,489 466,311 66.5 -45,710 507,400 68.3 -1.4 260,000 33.6 -47,960 235,000 32.9 -48,980 235,000 33.5 -46,990 235,000 31.7 -9.6 717,872 92.7 -44,6
Slide 14: Topics and group updates
16 5 2008 12 2009 2009 44 DC UFJ UFJ 2009 2009 44 EASY BUY Public Company Limited PT. BANK NUSANTARA PARAHYANGAN Tbk. 2008 2008 12 12 25 25 14
Slide 15: 15
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Slide 16: IR contact
IR ir@acom.co.jp http://www.acom.co.jp/ir/ 16