Acom Co., Ltd. · TSE:8572

Acom — Q1 FY March 2009 Earnings Presentation

15 slides from Acom's earnings presentation, Aug 7, 2008

  1. Slide 1: The First Quarter Financial Results for Fiscal Year Ending March 2009

    The First Quarter Financial Results for Fiscal Year Ending March 2009 ACOM CO., LTD. http://www.acom.co.jp/ir/english/ August 7, 2008

  2. Slide 2: Notes to Consolidated Statements of Income

    Notes to Consolidated Statements of Income Addition to the Consolidated Subsidiary 9PT. BANK NUSANTARA PARAHYANGAN Tbk. (BANK BNP) ¾The First Quarter for FY March 2009: Consolidated Statements of Income ¾(FY March 2008: Consolidated Balance Sheets) Change the Translation Method into Yen 9By FY March

  3. Slide 3: Financial Results Summary

    Financial Results Summary DATA BOOK Page 3 & 5 (Millions of yen, %) The First Quarter Consolidated Non-consolidated 2009/3 2009/3 for FY March 2009 Results YOY Results YOY (Forecast) (Forecast) Operating Revenue 85,400 -13.8 325,000 69,332 -18.1 258,300 Operating Expenses 59,990 -23.6 270,400 44,970

  4. Slide 4: 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) DATA BOOK Page 5 & 12 ‹Provision for Loss on Interest Repayment (Millions of yen, %) 2008/3 2009/3 Compared 2009/3 to 1Q 2Q 3Q 4Q Cumulative 1Q forecast (Forecast) Provision for Loss on Interest - - - 19,6

  5. Slide 5: Analysis of Revenue Decrease (Consolidated)

    Analysis of Revenue Decrease (Consolidated) DATA BOOK Page 3 ‹Primary Factor: Decrease in revenue of ACOM The first quarter for FY March 2008 Consolidated operating revenue: 99,060 million The Thefirst firstquarter quarterfor forFY FYMarch March2009 2009 Consolidated operating revenue Consolidated o

  6. Slide 6: Analysis of Income Increase (ACOM)

    Analysis of Income Increase (ACOM) DATA BOOK Page 5 & 6 ‹Primary Factor: Decrease in Provision of Allowance for Doubtful Accounts The first quarter for FY March 2009 Operating income (ACOM): 24,361million The first quarter for FY March 2008 Operating income (ACOM): 19,321million The Thefirst firstqu

  7. Slide 7: Loan Business (ACOM)

    Loan Business (ACOM) DATA BOOK Page 7 & 8 The First Quarter for FY YOY YTD 2009/3 Results March 2009 (%) (%) (Forecast) Unsecured Loans for Consumers Receivables Outstanding (millions of yen) 1,240,604 -11.3 -2.9 1,179,700 Number of Customer Accounts 2,300,425 -10.9 -2.7 2,168,300 Number of New Loan

  8. Slide 8: Unsecured Accounts Receivable-operating Loans by Interest Rate (ACOM)

    Unsecured Accounts Receivable-operating Loans by Interest Rate (ACOM) DATA BOOK Page 9 ‹Unsecured Loans for Consumers (millions of yen, %) 2007/6 2007/9 2007/12 2008/3 2008/6 2009/3 % % % % % (Forecast) % Accounts Receivable- 1,398,806 100.0 1,362,440 100.0 1,313,956 100.0 1,277,879 100.0 1,240,604

  9. Slide 9: Non-performing Loans (ACOM)

    Non-performing Loans (ACOM) DATA BOOK Page 12 ‹Quarterly Changes in Non-performing Loans & Composition Ratio to Receivables Outstanding 150,000 10.0% 141,307 9.54% 9.44% 9.58% 9.37% 9.30% 125,000 9.44% 122,824 9.0% 8.92% (millions of yen) 100,000 8.35% Composition Ratio Loans to Borrowers in Bankrup

  10. Slide 10: Guarantee / Credit Card Businesses (ACOM)

    Guarantee / Credit Card Businesses (ACOM)DATA BOOK Page 14 The First Quarter for FY YOY YTD 2009/3 Results March 2009 (%) (%) (Forecast) Guarantee Business Guaranteed Receivables (millions of yen) 184,359 2.3 1.4 217,300 Number of Customer Accounts 418,006 2.2 1.6 430,400 with Outstanding Balance Cr

  11. Slide 11: DC Cash One Ltd.

    DC Cash One Ltd. DATA BOOK Page 17 The First Quarter for FY YOY YTD 2009/3 Results March 2009 (%) (%) (Forecast) Receivables Outstanding (Millions of yen) 79,858 -3.7 -1.6 81,600 Number of Customer 178,435 -2.7 -0.9 177,900 Accounts Average Balance of Loans per Account 447 -5 -3 458 (Thousands of ye

  12. Slide 12: Overseas Business (EASY BUY & BANK BNP)

    Overseas Business (EASY BUY & BANK BNP) DATA BOOK Page 4 The First Quarter for FY YOY YTD 2009/3 Results March 2009 (%) (%) (Forecast) EASY BUY Public Company Limited Loan Business Receivables Outstanding 11.7 -14.9 63,588 72,300 (millions of yen) (28.9) (2.5) Number of Customer Accounts 650,749 12.

  13. Slide 13: 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

  14. Slide 14: Reference

    Reference ‹ For further information and questions regarding this presentation, 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

  15. Slide 15: Question and Answer

    Question and Answer

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