Slide 1: Earnings Release Conference
Earnings Release Conference The 2nd Quarter for the Fiscal Year Ending March 2012 ACOM CO., LTD. http://www.acom.co.jp/ir/english November 11, 2011
Slide 2: Conference Schedule
Conference Schedule Approx. Page Title Presenter Duration No. 1. Drastic Changes in Business Environment 4 2. Measures Dealing with the Great East Japan Earthquake 5 Shigeyoshi Kinoshita 25 min. Chairman, President & CEO 3. Financial Results Summary 6 4. Forecast for the FY March 2012 11 1. Financia
Slide 3: Financial Results Highlight
Financial Results Highlight The 2nd Quarter for the Fiscal Year Ending March 2012 (1) Drastic Changes in Business Environment (2) Measures Dealing with the Great East Japan Earthquake (3) Financial Results Summary (4) Business Results by Segment (5) Forecast for the Fiscal Year Ending March 2012 (6)
Slide 4: Drastic Changes in Business Environment
Drastic Changes in Business Environment Macro Environment Outlook Outlook is is uncertain uncertain due due to to concerns concerns on on decelerating decelerating European European and and American American economy, economy, deflation deflation and and worsening worsening employment employment
Slide 5: Measures Dealing with the Great East Japan Earthquake
Measures Dealing with the Great East Japan Earthquake As of the End of the Fiscal Year Ended March 2011 Investigation Investigation of of the the impact impact of of the the disaster disaster led led to to identification identification of of 63.4 63.4 billion billion yen, yen, which which amount
Slide 6: Financial Results Summary
Financial Results Summary (Millions of yen) Consolidated Non-consolidated 2010/9 2011/9 Compared to 2010/9 2011/9 Compared to yoy Forecast for yoy Forecast for Results Results 2Q Results Results 2Q (%) (%) Operating Revenue (*1) 128,753 108,042 -16.1 2,742 109,839 89,242 -18.8 2,242 Loan Business 10
Slide 7: Loan Business (ACOM)
Loan Business (ACOM) Receivables Outstanding, No. of Customer Accounts, No. of New Customers, Operating Revenue (Millions of yen) 2010/9 2011/9 2012/3 (Forecast) yoy Results Results yoy (%) (%) Receivables Outstanding 1,008,799 846,999 -161,799 -16.0 761,000 -15.7 No. of Customer Accounts 1,837,716
Slide 8: Guarantee and Loan Servicing Business
Guarantee and Loan Servicing Business (Millions of yen) 2010/9 2011/9 2012/3 (Forecast) yoy Results Results yoy (%) (%) Guarantee Business Guaranteed Receivables 324,941 464,202 139,261 42.9 482,200 8.7 No. of Accounts with 683,939 925,582 241,643 35.3 979,300 8.8 ACOM Outstanding Receivables Operat
Slide 9: Overseas Business
Overseas Business - 1 [Kingdom of Thailand] EASY BUY Public Company Limited Investment Ratio: 49.00% No. of Employees：2,253, No. of Outlets：182 (*) • Incorporated in 1996 • Launched loan business in 2001 Currently have the top share in the market [Republic of Indonesia] Bank BNP [PT. Bank Nusantara
Slide 10: Overseas Business
Overseas Business - 2 (Millions of yen/baht, Billions of rupiah) 2010/9 2011/9 2012/3 (Forecast) yoy Results Results yoy (%) (%) Receivables 67,903 68,940 1,036 1.5 73,600 7.3 Loan Business Outstanding [24,964] [26,313] [1,349] [5.4] [26,764] [5.3] No. of Customer (Kingdom of Thailand) 775,449 798,2
Slide 11: Forecast for the Fiscal Year Ending March 2012
Forecast for the Fiscal Year Ending March 2012 (Millions of yen) Consolidated Non-consolidated 2011/3 2011/9 2012/3 (Forecast) 2011/3 2011/9 2012/3 (Forecast) yoy yoy Results Results Results Results (%) (%) Operating Revenue (*1) 245,831 108,042 204,300 -16.9 207,767 89,242 167,500 -19.4 Loan Busine
Slide 12: Management Vision and Mid-term Outlook
Management Vision and Mid-term Outlook ◆Mid-term Outlook (ACOM) (Billions of yen) Management Vision Receivables Outstanding by Business Segment 800 We aim to become the “leading company” which provides 761.0 prime satisfactions to as many customers as possible and Loan Business 717.6 730.1 earns t
Slide 13: Financial Results Highlight
Financial Results Highlight The 2nd Quarter for the Fiscal Year Ending March 2012 (1) Financial Results Summary (ACOM) (2) Major Figures (ACOM) Takashi Kiribuchi Chief General Manager & Chief PR & IR Officer Treasury Department
Slide 14: Financial Results Summary (ACOM)
Financial Results Summary (ACOM) (Millions of yen) 2010/9 2011/9 Compared to 2012/3 (Forecast) Forecast for yoy Results Results yoy 2Q (%) (%) Operating Revenue (*1) 109,839 89,242 -20,597 -18.8 2,242 167,500 -19.4 Loan Business 93,209 71,939 -21,270 -22.8 132,100 -23.7 Guarantee Business 9,449 11,1
Slide 15: Loan Business (ACOM) [Trend of Receivables Outstanding]
Loan Business (ACOM) [Trend of Receivables Outstanding] ◆Unsecured Loans for Consumers (Billions of yen) May 1, 2009 (Thousands) 1,500 1,446.1 3,200 Absorbed Loan Business of DC Cash One (DCC1) June 18, 2010 1,250 Full Enforcement of Revised Money Lending Business Act 1,179.2 2,800 2,670 1,137.0 1,1
Slide 16: Guarantee Business (ACOM) [Trend in Guaranteed Receivables]
Guarantee Business (ACOM) [Trend in Guaranteed Receivables] (Billions of yen) (Thousands) 600 2,000 October 1, 2010 Succeeded Guaranteed Receivables of MUN (*1) 482.2 464.2 1,600 443.4 449.6 431.8 September 1, 2009 400 Succeeded Guaranteed Receivables of MULC (*1) 1,200 317.2 319.1 324.9 313.5 312.2
Slide 17: Loan Business (ACOM) [Provision for Loss on Interest Repayment]
Loan Business (ACOM) [Provision for Loss on Interest Repayment and Provision of Allowance for Doubtful Accounts] ◆Provision for Loss on Interest Repayment (Millions of yen) 2011/3 2012/3 2012/3 1Q 2Q 3Q 4Q Total 1Q 2Q Total (Forecast) Provision for Loss on Interest Repayment 2,239 66,163 15,642 159,
Slide 18: Loan Business (ACOM) [Requests for Interest Repayment]
Loan Business (ACOM) [Trend of No. of Requests for Interest Repayment and Interest Repayment (Cash Out Basis) ] ◆No. of Requests for Interest Repayment (*1) and Interest Repayment (Cash Out Basis) by Month (Millions of yen) 2010/3 2011/3 2012/3 No. of No. of No. of Daily No. Requests Interest Reques
Slide 19: Loan Business (ACOM) [Applications, New Customers, Lending Ratio]
Loan Business (ACOM) [Trend of No. of Applications, No. of New Loan Customers, and Lending Ratio] ◆Unsecured Loans for Consumers 50,000 70.0% 45,000 60.0% 40,000 35,000 50.0% 46.1% 45.5% 43.7% 44.6% No. of Applications 45.3% 44.8% 30,000 39.6% 39.1% 43.7% 44.2% 38.4% 38.4% 38.2% 40.0% 36.5% 37.3% 39
Slide 20: Loan Business (ACOM) [Trend of Non-performing Loans]
Loan Business (ACOM) [Trend of Non-performing Loans] ◆Non-performing Loans (Billions of yen) 150 15.0% 141.3 Loans Borrowers in Bankruptcy or under Reorganization 14.0% 120 116.1 118.7 112.8 13.0% 112.1 109.1 109.8 107.1 108.6 98.3 12.0% 80.9 72.8 77.3 72.1 72.5 61.0 61.9 59.6 60.0 93.6 90 49.9 89.8
Slide 21: Funds Procurements (ACOM)
Funds Procurements (ACOM) (Millions of yen) 2011/3 2011/9 2012/3 (Forecast) yoy C.R. yoy C.R. yoy C.R. Results Results (%) (%) (%) (%) (%) (%) Borrowings 643,652 -8.8 100.0 667,331 -1.5 100.0 550,100 -14.5 100.0 Indirect 402,561 -13.2 62.5 395,717 -9.3 59.3 345,600 -14.1 62.8 Direct 241,090 -0.2 37.
Slide 22: Reference
Reference Reference: Public & Investor Relations Office Treasury Department Tel: +81-3-5533-0861 E-mail: ir@acom.co.jp 22