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1 2011 年 3 月期決算 For The Fiscal Year Ended March, 2011 アコム株式会社 ACOM CO., LTD 年 5 月 May 2011 Code No. 8572

2 < 目次 > Contents Pages データブックに関する注意事項 Notes to DATA BOOK 1 実績推移と今期の予想 ( 連結 ) Trend in Actual Results and Estimates (Consolidated) 1. 連結子会社 関連会社一覧 Consolidated Subsidiaries 2 2. 主要損益 Income and Expenses 3 3. 事業別営業収益 Operating Revenue by Segment 3 4. 事業別期末残高 Receivables Outstanding by Segment 4 5. 事業別利用者数 Number of Customer Accounts by Segment 4 6. 主要損益 Income and Expenses 5 7. 部門別営業収益 Operating Revenue by Category 営業収益の部門別 Composition Ratio of Operating Revenue by Category 6 8. 営業費用 Operating Expenses 営業収益営業費用率 Ratio of Operating Expenses to Operating Revenue 7 9. 期末残高 Receivables Outstanding 利用者数 Number of Customer Accounts ローン事業新客数 Number of New Loan Customers ローン事業店舗数 Number of Loan Business Outlets むじんくん MUJINKUN CD ATM Cash Dispensers and ATMs 社員数 Employees 期中平均利回り Average Loan Yield 貸付金利別残高構成 [ 消費者向け無担保ローン ] Unsecured Accounts Receivableoperating Loans by Interest Rate [Unsecured Loans for Consumers] 貸付金利別残高構成 [ 消費者向け無担保ローン ] Unsecured Accounts Receivableoperating Loans by Interest Rate [Unsecured Loans for Consumers] 貸付金額別残高構成 [ 消費者向け無担保ローン ] Unsecured Accounts Receivableoperating Loans by Classified Receivable Outstanding [Unsecured Loans for Consumers] 顧客年収別件数 [ 消費者向け無担保ローン ] Composition Ratio of Customer Accounts by Annual Income [Unsecured Loans for Consumers] 顧客年代別件数 [ 消費者向け無担保ローン ] Composition Ratio of Customer Accounts by Age [Unsecured Loans for Consumers] 顧客性別件数 [ 消費者向け無担保ローン ] Composition Ratio of Customer Accounts by Gender [Unsecured Loans for Consumers] 貸倒損失 Bad Debts Expenses 無担保ローン貸倒損失理由別状況 Bad Debts Expenses of Unsecured Loans by Reasons 不良債権の状況 Nonperforming Loans カ月未満の延滞債権 [ 本社管理債権を除く ] Loans in Arrears for Less Than 3 Months [excluding balance held by headquarters' collection department] 貸倒引当金 Allowance for Doubtful Accounts 利息返還損失引当金 Provision for Loss on Interest Repayment 資金調達 Funds Procurement 包括信用購入あっせん事業 Credit Card Business 個別信用購入あっせん事業 Installment Sales Finance Business 保証事業 Guarantee Business 財務指標 Financial Ratios 株当たり指標 Per Share Data 発行済株式総数 Shares Issued 17 ( 参考 ) 不良債権の状況に関する分類基準 (Reference) Category criteria concerning situations of Nonperforming Loans 18

3 データブックに関する注意事項 Notes to DATA BOOK ( 注 1) 業績予想に関する注意事項 Notes:1. Forward Looking Statements このデータブックの数値のうち 過去の事実以外のアコム株式会社の計画 方針その他の記載にかかわるものは 将来の業績にかかる予想値であり それらはいずれも 現時点においてアコム株式会社が把握している情報に基づく経営上の想定や見解を基礎に算出されたものです 従いまして かかる予想値は リスクや不確定要因を内包するものであって 現実の業績は 諸々の要因により かかる予想値と異なってくる可能性があります かかる潜在的なリスクや不確定要因として考えられるものとしては 例えば アコム株式会社を取り巻く経済情勢や消費者金融を取り巻く市場規模の変化 債務不履行に陥る顧客の割合 利息制限法 に基づく上限金利を超える部分の返還請求等の発生件数及び返還金額の変動 アコム株式会社が支払う借入金利率のレベル 法定制限利率が考えられますがこれらに限りません The figures contained in this DATA BOOK with respect to ACOM's plans and strategies and other statements that are not historical facts are forwardlooking statements about the future performance of ACOM which are based on management's assumptions and belief in light of the information currently available to it and involve risks and uncertainties and actual results may differ from those in the forwardlooking statements as results of various facts. Potential risks and uncertainties include, without limitation, general economic conditions in ACOM's market and changes in the size of the overall market for consumer loans, the rate of default by customers, the fluctuations in number of cases of claims from and the amount paid to customers who claim us to reimburse the portion of interest in excess of the interest ceiling as specified in the Interestrate Restriction Law, the level of interest rates paid on the ACOM's debt and legal limits on interest rates charged by ACOM. ( 注 2) 数値については 金額の単位未満切り捨て 比率の単位未満は四捨五入にて表示しております :2. ( 注 3) 1 株当たり指標は単位未満四捨五入にて表示しております :3. All amounts less than one million have been truncated. Percentage figures have been as a result of rounding. The amounts of adjusted per share data have been as a result of rounding. ( 注 4) 表中における項目の内数は内訳とは異なる場合があります :4. ( 注 5) 当期若しくは前期実績の一方 または両実績がマイナスの場合は 増減額および増減率は で表示 :5. 当期増減率が1,000 を超える場合は で表示 当期若しくは前期実績のみ発生した場合 増減額および増減率は で表示 過去において非開示であった数値は 実績 増減額および増減率は で表示 非開示とされている数値がある場合は 実績 増減額および増減率は で表示 過去において非開示であり増減比較できない場合は 増減額および増減率は で表示 実績が発生しない場合は 実績 増減額および増減率は で表示 :6. The total amounts shown in the tables may not necessarily aggregate up with the sums of the individual amounts. " " in "", "" and the results is displayed in case of the followings; the results in two terms are changed from positive to negative, or from negative to positive. both results in two terms are negaive. percentage change exceeds 1,000. the results occur either one of two terms. the figures were not disclosed in the past and/or are not currently disclosed. the figures were not disclosed in the past, therefore cannot be compared. the results do not occur. "(E)" indicates estimates. :7. " p.p." indicates year on year percentage point. :8. "C.R." indicates composition ratio. 1

4 実績推移と今期の予想 ( 連結 ) Trend in Actual Results and Estimates (Consolidated) 1. 連結子会社 関連会社一覧 Consolidated Subsidiaries 会社名 Name of company アコム持分比 Equity owned by ACOM 主な事業内容 Summary of business 国内 連結子会社 ( 含 4 投資事業組合 ) 9 社持分法適用関連会社 1 社 [Domestic] Consolidated Subsidiaries: 9 (including 4 Investment Partnerships) Equitymethod Affiliate: 1 アフレッシュクレジット株式会社 AFRESH CREDIT CO., LTD. 100 個別信用購入あっせん事業 Installment sales finance business アイ アール債権回収株式会社 IR Loan Servicing, Inc. 100 債権管理回収事業 Loan servicing business 一般社団法人未来キャピタル General Incorporated Association Mirai Capital 0 金銭債権買取り 管理および処分に関する業務 ( 特別目的会社 ) Purchase, management, and disposal of monetary claims (Special Purpose Company) ( 100) パワーインベストメンツ合同会社 Power Investments LLC 0 金銭債権買取り 管理および処分に関する業務 ( 特別目的会社 ) Purchase, management, and disposal of monetary claims (Special Purpose Company) ( 100) エーシーベンチャーズ株式会社 AC Ventures Co., Ltd. 100 ベンチャー企業の開拓 投資 育成支援事業 Development, investment, promotion and support of venture companies 持分法適用関連会社 エム ユー コミュニケーションズ株式会社 [Equitymethod Affiliate] MU Communications Co., Ltd. 15 コンタクトセンターの請負および人材派遣業務等 Contract of contact center and temporary staffing business, etc 海外 連結子会社 3 社 [Overseas] Consolidated Subsidiaries: 3 EASY BUY Public Company Limited EASY BUY Public Company Limited 49 タイ王国における無担保ローン事業およびハイヤーパーチェス事業 Unsecured loan business and hire purchase business in Kingdom of Thailand PT. Bank Nusantara Parahyangan, Tbk. PT. Bank Nusantara Parahyangan, Tbk インドネシア共和国における銀行業 Banking business in Republic of Indonesia ACOM (U.S.A.) INC. ACOM (U.S.A.) INC. 100 ( 注 1) カッコ内の数値は間接出資比率 Notes : 1. Figures in parentheses are indirect ownership by ACOM CO., LTD. ( 注 2)ACOM (U.S.A.) INC. は営業活動を休止しているため事業内容は記載しておりません ( 注 3) 投資事業組合は ファンド運用のため記載しておりません ( 注 4) エイビーパートナー株式会社は 平成 22 年 8 月 1 日付でアイ アール債権回収株式会社に吸収合併されました : 2. ACOM (U.S.A.) INC. suspended its operation; therefore, its summary of business is omitted above. : 3. Investment Partnerships are omitted as they operate funds. : 4. A B PARTNER CO., LTD. was merged into IR Loan Servicing, Inc. as of August 1, ( 注 5)PT. Bank Nusantara Parahyangan, Tbk. の持分比率は 平成 22 年 10 月 27 日付で55.68 から60.31 となりました : 5. Equity ownership of PT. Bank Nusantara Parahyangan, Tbk. was increased to from as of October 27, ( 注 6)MTBC2 号投資事業組合は 平成 22 年 12 月 6 日付で解散いたしました : 6. MTBC Second Investment Partnership was dissolved as of December 6,

5 実績推移と今期の予想 ( 連結 ) Trend in Actual Results and Estimates (Consolidated) 2. 主要損益 ( 連結 ) Income and Expenses (Consolidated) ( 単位 : 百万円 /Millions of yen ) 連 単倍率 連 単倍率 連 単倍率 増減率 Consolidated 増減率 Consolidated 増減率 Consolidated /Unconsolidated /Unconsolidated /Unconsolidated ( ACOM ) ratio ( ACOM ) ratio ( ACOM ) ratio 営業収益 Operating Revenue 278,795 ( 238,215 ) 45, ,831 ( 207,767 ) 32, ,300 ( 167,500 ) 41, 営業費用 Operating Expenses 272,732 ( 232,526 ) 20, ,617 ( 398,600 ) 157, ,100 ( 127,800 ) 272, 金融費用 Financial Expenses 22,194 ( 16,639 ) ,534 ( 17,340 ) ,300 ( 18,800 ) 1, 貸倒引当金繰入額 Provision of Allowance for Doubtful Accounts 89,654 ( 75,058 ) 1, ,136 ( 66,904 ) 11, ,200 ( 49,800 ) 17, 利息返還損失引当金繰入額 Provision for Loss on Interest Repayment 58,362 ( 58,362 ) 6, ,456 ( 243,456 ) 185, ( ) 営業利益 Operating Income 6,063 ( 5,689 ) 24, ,785 ( 190,832 ) ,200 ( 39,700 ) 営業外収益 Nonoperating Income 1,984 ( 2,128 ) ,369 ( 1,832 ) ( 1,300 ) 営業外費用 Nonoperating Expenses 130 ( 1,323 ) ( 552 ) ( 300 ) 経常利益 Ordinary Income 7,917 ( 6,495 ) 24, ,506 ( 189,551 ) ,000 ( 40,700 ) 特別利益 Extraordinary Income 2,074 ( 2,350 ) ( 561 ) 1, ( ) 特別損失 Extraordinary Loss 10,929 ( 10,800 ) ,740 ( 16,079 ) 5, ( 100 ) 16, 税金等調整前当期純利益 Income Before Income Taxes 937 ( 1,954 ) 199,638 ( 205,069 ) 46,900 ( 40,600 ) 当期純利益 Net Income 7,239 ( 10,056 ) ,648 ( 204,929 ) ,900 ( 40,500 ) ( 注 ) 利息返還損失引当金繰入額は利息返還金と利息返還に伴う債権放棄額ならびに利息返還損失引当金増減額の合計値 Note: Provision for Loss on Interest Repayment represents the sum of Interest Repayment, ACOM's Voluntary Waiver of Repayments accompanied with Interest Repayments and Increase or Decrease in Provision for Loss on Interest Repayment. 3. 事業別営業収益 ( 連結 ) Operating Revenue by Segment (Consolidated) ( 単位 : 百万円 /Millions of yen ) 営業収益 Operating Revenue 324, , ,831 32, , ローン事業 Loan Business 277, , ,855 38, , アコム ACOM CO., LTD. 244, , ,778 38, , DCキャッシュワン DC Cash One Ltd. 13, , EASY BUY EASY BUY Public Company Limited 19, , ,077 1, , 包括信用購入あっせん事業 Credit Card Business 4, , , , アコム ACOM CO., LTD. 4, , , , アフレッシュクレジット AFRESH CREDIT CO., LTD 個別信用購入あっせん事業 Installment Sales Finance Business 4, , , , EASY BUY EASY BUY Public Company Limited 1, アフレッシュクレジット AFRESH CREDIT CO., LTD. 3, , , , 保証事業 Guarantee Business 11, , ,461 8, , アコム ACOM CO., LTD. 8, , ,461 8, , DCキャッシュワン DC Cash One Ltd. 3, 債権管理回収事業 Loan Servicing Business 16, , ,945 3, , 買取債権回収高 Collection from purchased receivable 15, , ,278 3, レンタル事業 Rental Business 3, その他事業 Others 2, ,630 1, その他金融サービス事業 Other Financial Businesses 1, 銀行業 Banking Business 3, , , , ( 注 ) 当社は 連結子会社であった株式会社 DC キャッシュワンの全株式を平成 21 年 4 月 1 日付で取得し 100 子会社といたしました また 平成 21 年 5 月 1 日付で同社を吸収合併いたしました C.R. C.R. Note : ACOM obtained all the stocks of DC Cash One Ltd., previously a consolidated subsidiary of ACOM, and DC Cash One Ltd. became a wholly owned subsidiary of ACOM as of April 1, DC Cash One Ltd. was merged into ACOM as of May 1, 増減 率 C.R. C.R. 3

6 実績推移と今期の予想 ( 連結 ) Trend in Actual Results and Estimates (Consolidated) 4. 事業別期末残高 ( 連結 ) Receivables Outstanding by Segment (Consolidated) 2008/3 期末残高 ( 百万円 ) Receivables Outstanding (Millions of yen) ローン事業 Loan Business アコム ACOM CO., LTD. EASY BUY EASY BUY Public Company Limited DCキャッシュワン DC Cash One Ltd. 包括信用購入あっせん事業 Credit Card Business アコム ACOM CO., LTD. アフレッシュクレジット AFRESH CREDIT CO., LTD. 個別信用購入あっせん事業 Installment Sales Finance Business アコム ACOM CO., LTD. アフレッシュクレジット AFRESH CREDIT CO., LTD. EASY BUY EASY BUY Public Company Limited 債権管理回収事業 Loan Servicing Business 銀行業 Banking Business 1,759, ,612, ,423, ,272, ,061, , , ,632, ,480, ,316, ,173, , , , ,494, ,318, ,171, ,103, , , , , , , , ,621 1, , , , , ,842 44, ,126 37, ,446 32, ,554 26, ,639 21,625 4,914 4, ,600 16, , , , , ,311 9, , , , , , , ,322 8, , , , , , , , , , ,931 3, , ,078 18, , ,405 8, , 保証事業残高アコム DCキャッシュワン Guaranteed Receivables ACOM CO., LTD. DC Cash One Ltd. 105, , , , ,126 20, , , , , , , , , , ( 注 ) 当社は 連結子会社であった株式会社 DCキャッシュワンの全株式を平成 21 年 4 月 1 日付で取得し 100 子会社といたしました Note : ACOM obtained all the stocks of DC Cash One Ltd., previously a consolidated subsidiary of ACOM, and DC Cash One Ltd. became また 平成 21 年 5 月 1 日付で同社を吸収合併いたしました a wholly owned subsidiary of ACOM as of April 1, DC Cash One Ltd. was merged into ACOM as of May 1, , , 事業別利用者数 ( 連結 ) Number of Customer Accounts by Segment (Consolidated) 2008/3 ローン事業アコム EASY BUY DCキャッシュワン ( 件 ) Loan Business ACOM CO., LTD. EASY BUY Public Company Limited DC Cash One Ltd. 包括信用購入あっせん事業 ( 人 ) Credit Card Business アコム ACOM CO., LTD. アフレッシュクレジット AFRESH CREDIT CO., LTD. 個別信用購入あっせん事業 ( 件 ) Installment Sales Finance Business アコム ACOM CO., LTD. アフレッシュクレジット AFRESH CREDIT CO., LTD. EASY BUY EASY BUY Public Company Limited 債権管理回収事業 ( 件 ) Loan Servicing Business 銀行業 ( 件 ) Banking Business 3,435, ,208, ,126, ,720, ,505, , ,340, ,682, ,374, ,135, ,948, ,712, , ,528, , , , , ,404 23, , , , , ,181, , , , , , , ,175, , , , , , , , , , , , , , , ,848 51, , , , , , , ,465 35, , , , , , ,383 16, , , , , , ,339 9, ,001 4, , ,278 2, ( 注 1) ローン事業 : 営業貸付金残高を有する口座数 Notes :1. Loan Business: Number of loan accounts with loans receivable. ( 注 2) 包括信用購入あっせん事業 : 有効会員数 :2. Credit Card Business: Number of cardholders. ( 注 3) 個別信用購入あっせん事業 : 割賦売掛金残高を有する契約件数 :3. Installment Sales Finance Business: Number of contracts with receivables outstanding. ( 注 4) 債権管理回収事業 : 債権買取額の残高を有する口座数 ( 注 5) 当社は 連結子会社であった株式会社 DCキャッシュワンの全株式を平成 21 年 4 月 1 日付で取得し 100 子会社といたしました また 平成 21 年 5 月 1 日付で同社を吸収合併いたしました :4. Loan Servicing Business: Number of accounts for purchased loans. :5. ACOM obtained all the stocks of DC Cash One Ltd., previously a consolidated subsidiary of ACOM, and DC Cash One Ltd. became a wholly owned subsidiary of ACOM as of April 1, DC Cash One Ltd. was merged into ACOM as of May 1,

7 6. 主要損益 ( アコム ) Income and Expenses (ACOM) 2008/3 営業収益 Operating Revenue 370, , , , ,767 30, , 営業貸付金利息 Interest on Operating Loans 342, , , , ,209 39, , 営業費用 Operating Expenses 459, , , , , , , 金融費用 Financial Expenses 16, , , , , , 商品売上原価 Cost of Goods Sold 1, 貸倒引当金繰入額 Provision of Allowance for Doubtful Accounts 129, , , , ,904 8, , 利息返還損失引当金繰入額 Provision for Loss on Interest Repayment 200, , , , , , 営業貸付金売却損 Loss on Sales of Accounts Receivableoperating Loans 7,654 その他の営業費用 Other Operating Expenses 112, , , , ,198 12, , 営業利益 Operating Income 88,992 80,159 26, , ,832 39,700 営業外収益 Nonoperating Income 3, , , , , , 営業外費用 Nonoperating Expenses , 経常利益 Ordinary Income 86,183 82,319 29, , ,551 40,700 特別利益 Extraordinary Income ,973 5, , , 特別損失 Extraordinary Loss 350,835 27, , , ,079 5, 利息返還損失引当金繰入額 Provision for Loss on Interest Repayment 317,061 固定資産売却損 Loss on Sales of Noncurrent Assets 投資有価証券評価損 Loss on Valuation of Investment Securities 14,784 22, ,696 4,609 税引前当期純利益 Income Before Income Taxes 436,749 58,601 29, , ,069 40,600 法人税 住民税及び事業税 Income Taxescurrent 16, 過年度法人税等 Income Taxes for Prior Periods 9,060 法人税等調整額 Income Taxesdeferred 13,638 15,873 12, , 当期純利益 Net Income 439,463 33,518 16, , ,929 40,500 5

8 7. 部門別営業収益 ( アコム ) Operating Revenue by Category (ACOM) 2008/3 営業収益 Operating Revenue 370, , , , ,767 30, , 営業貸付金利息 Interest on Operating Loans 342, , , , ,209 39, , 無担保ローン Unsecured Loans 336, , , , ,154 39, , 消費者向け Consumers 336, , , , ,150 39, , 事業者向け Commercials 有担保ローン Secured Loans 6, , , , , , 包括信用購入あっせん収益 Revenue from Credit Card Business 5, , , , , , 個別信用購入あっせん収益 Revenue from Installment Sales Finance Business 3, 信用保証収益 Revenue from Credit Guarantee 10, , , , ,689 7, , 商品売上高 Net Sales of Goods その他の部門収益 Others 7, , , , ,027 1, , 償却債権回収益 Collection of Bad Debts Deducted 5, , , , ,826 1, , 営業収益の部門別 ( アコム ) Composition Ratio of Operating Revenue by Category (ACOM) ( 単位 :) 2008/3 営業収益 Operating Revenue 営業貸付金利息 Interest on Operating Loans 包括信用購入あっせん収益 Revenue from Credit Card Business 個別信用購入あっせん収益 Revenue from Installment Sales Finance Business 0.9 信用保証収益 Revenue from Credit Guarantee 商品売上高 Net Sales of Goods その他の部門収益 Others

9 8. 営業費用 ( アコム ) Operating Expenses (ACOM) 営業費用 Operating Expenses 459, 金融費用 Financial Expenses 16, 商品売上原価 Cost of Goods Sold 1,223 貸倒引当金繰入額 Provision of Allowance for Doubtful Accounts 129, 貸倒損失 Bad Debts Expenses 97, 営業貸付金売却損 Loss on Sales of Accounts Receivableoperating Loans 貸倒引当金増減額 Increase or Decrease in Allowance for Doubtful Accounts 31,618 債務保証損失引当金増減額 Increase or Decrease in Provision for Loss on Guarantees 利息返還損失引当金繰入額 Provision for Loss on Interest Repayment 200, 利息返還金 Interest Repayment 42, 貸倒損失 ( 債権放棄 ) Bad Debts Expenses (ACOM's Voluntary Waiver of Repayments) 41,880 利息返還損失引当金増減額 Increase or Decrease in Provision for Loss on Interest Repayment 116, 営業貸付金売却損 Loss on Sales of Accounts Receivableoperating Loans その他の営業費用 Other Operating Expenses 112, 人件費 Personal Expenses 30, 広告宣伝費 Advertising Expenses 10, 事務所費 Administrative Expenses 14, 電算機費 Computer Expenses 20, 手数料 Fees 17, 保険料 Insurance Expenses 3, 減価償却費 Depreciation 2, 公租公課 Taxes and Other Public Charges 5, 事業税 ( 外形標準課税 ) Enterprise Tax (Pro forma standard taxation) その他 Others 7, ( 注 ) 利息返還損失引当金計上方法の変更に伴い 2006 年 9 月期より 従来 貸倒損失に計上していた債権放棄額を利息返還損失引当金繰入額に記載変更 2008/3 236,956 15, , ,667 10, ,620 75,981 58, ,200 7,654 92,369 23,053 9,717 12,387 19,516 15, ,001 4, , , , , , ,271 24, , , , , , , , , , , , , , , , , , , ,276 1,281 58, , , ,900 82, , , , , , , , , 営業収益営業費用率 ( アコム ) Ratio of Operating Expenses to Operating Revenue (ACOM) 398, , , ,904 8, ,037 32, , , , , ,479 13, ,176 13, ,800 70,198 12, ,123 3, ,261 1, ,626 2, ,500 1, ,350 2, , , , Note: Following the change of the method to calculate "Provision for Loss on Interest Repayment", "ACOM s Voluntary Waiver of Repayments", formerly a composition of "Bad Debts Expenses", is stated as a composition of "Provision for Loss on Interest Repayment" from interim accounting period as of September /3 ( 単位 :) p.p. p.p. p.p. p.p. p.p. p.p. 営業費用 Operating Expenses 金融費用 Financial Expenses 商品売上原価 Cost of Goods Sold 貸倒引当金繰入額 Provision of Allowance for Doubtful Accounts 貸倒損失 Bad Debts Expenses 営業貸付金売却損 Loss on Sales of Accounts Receivableoperating Loans 貸倒引当金増減額 Increase or Decrease in Allowance for Doubtful Accounts 債務保証損失引当金増減額 Increase or Decrease in Provision for Loss on Guarantees 利息返還損失引当金繰入額 Provision for Loss on Interest Repayment 利息返還金 Interest Repayment 貸倒損失 ( 債権放棄 ) Bad Debts Expenses (ACOM's Voluntary Waiver of Repayments) 利息返還損失引当金増減額 Increase or Decrease in Provision for Loss on Interest Repayment 営業貸付金売却損 Loss on Sales of Accounts Receivableoperating Loans 2.4 その他の営業費用 Other Operating Expenses 人件費 Personal Expenses 広告宣伝費 Advertising Expenses 事務所費 Administrative Expenses 電算機費 Computer Expenses 手数料 Fees 保険料 Insurance Expenses 減価償却費 Depreciation 公租公課 Taxes and Other Public Charges 事業税 ( 外形標準課税 ) Enterprise Tax (Pro forma standard taxation) その他 Others ( 注 ) 営業収益営業費用率 ()= 営業費用 / 営業収益 Note: Ratio of Operating Expenses to Operating Revenue = Operating Expenses / Operating Revenue 127, , , , , , , , , , , , , , ,

10 9. 期末残高 ( アコム ) Receivables Outstanding (ACOM) 期末残高 ( 百万円 ) Receivables Outstanding (Millions of yen) 1,570, /3 1,356, ,204, ,130, , , , ローン事業 Loan Business 1,494, ,318, ,171, ,103, , , , 無担保ローン Unsecured Loans 1,446, ,277, ,137, ,074, , , , 消費者向け Consumers 1,446, ,277, ,137, ,074, , , , 事業者向け Commercials 有担保ローン Secured Loans 48, , , , ,421 5, , 不動産カードローン Real Estate Card Loan 41, , , , ,192 4, 包括信用購入あっせん事業 Credit Card Business 44, , , , ,625 4, , 個別信用購入あっせん事業 Installment Sales Finance Business 32, 口座当たり貸付単価 Average Balance of Unsecured Loans for [ 消費者向け無担保 ( 千円 )] Consumers per Account (Thousands of yen) < 参考 > <Reference> 保証事業残高 Guaranteed Receivables 179, , , , , , , 利用者数 ( アコム ) Number of Customer Accounts (ACOM) 2008/3 ローン事業 ( 件 ) Loan Business 2,682, ,374, ,135, ,948, ,712, , ,528, 無担保ローン Unsecured Loans 2,670, ,364, ,126, ,941, ,706, , ,523, 消費者向け Consumers 2,670, ,364, ,126, ,941, ,705, , ,523, 事業者向け Commercials 有担保ローン Secured Loans 11, , , , ,549 1, , 包括信用購入あっせん事業 ( 人 ) Credit Card Business 1,176, , , , , , , 個別信用購入あっせん事業 ( 件 ) Installment Sales Finance Business 147, ( 注 1) ローン事業 : 営業貸付金残高を有する口座数 Notes :1. Loan Business: Number of loan accounts with loans receivable. ( 注 2) 包括信用購入あっせん事業 : 有効会員数 :2. Credit Card Business: Number of cardholders. ( 注 3) 個別信用購入あっせん事業 : 割賦売掛金残高を有する契約件数 :3. Installment Sales Finance Business: Number of contracts with receivables outstanding. 8

11 11. ローン事業新客数 ( アコム ) Number of New Loan Customers (ACOM) ローン事業新客数無担保ローン消費者向け有担保ローン ( 人 ) Number of New Loan Customers Unsecured Loans Consumers Secured Loans 268, , , , /3 175, , , , ,399 32, , , , , ,399 32, , , ,399 32, , ローン事業店舗数 ( アコム ) Number of Loan Business Outlets (ACOM) 2008/3 ローン事業店舗数 ( 所 ) Number of Loan Business Outlets 1, , , , , , 有人店舗 Staffed 無人店舗 Unstaffed 1, , , , , , クイックむじん QUICK MUJIN Machine むじんくん ( アコム ) MUJINKUN (ACOM) 2008/3 むじんくんコーナー数 ( 所 ) Number of MUJINKUN Outlets 1, , , , , , むじんくん台数 ( 台 ) Number of MUJINKUN Machines 1, , , , , , クイックむじん QUICK MUJIN Machine CD ATM ( アコム ) Cash Dispensers and ATMs (ACOM) C D A T M 台数 ( 台 ) Number of Cash Dispensers and ATMs 自社設置分 Proprietary 年中無休 Open 365 Days/Year 24 時間稼働 Open 24 Hours/Day 提携分 Tieup その他提携チャネル Others 2008/3 87,773 3,905 92,063 4,290 1, , , , , ,932 4,016 8, ,243 4,311 8, ( 注 ) はコンビニエンスストアの決済代行 Note: "Others" indicates receipt of payment by convenience stores under an agency agreement. 1, ,024 2,961 95, ,593 45, , , , , , , , , , , ,354 3,111 94, ,392 44, , , , 社員数 ( アコム ) Employees (ACOM) 2008/3 合計 ( 人 ) Number of Total Employees 3,374 1,090 3, , , , 正社員 Permanent Employees 2, , , , , , 非正社員 Temporary Employees

12 16. 期中平均利回り ( アコム ) Average Loan Yield (ACOM) ( 単位 :) 2008/3 p.p. p.p. p.p. p.p. p.p. p.p. 期中平均利回り Average Loan Yield 無担保ローン Unsecured Loans 消費者向け Consumers 事業者向け Commercials 有担保ローン Secured Loans ( 注 ) 期中平均利回り = 営業貸付金利息 / 月初平均貸付金残高 () [ 年率換算 ] Note:Average Loan Yield = Interest on Operating Loans / Term Average of Receivable Outstanding at the Beginning of the Year (, Annual Rate). 17. 貸付金利別残高構成 [ 消費者向け無担保ローン ] ( アコム ) Unsecured Accounts Receivableoperating Loans by Interest Rate [Unsecured Loans for Consumers] (ACOM) 2008/3 口座数 残高 口座数 残高 口座数 残高 口座数 残高口座数残高口座数 残高 Number Receivables Number Receivables Number Receivables Number Receivables Number Receivables Number Receivables 実質年率 Effective Annual Interest Rate of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () 営業貸付金 Accounts Receivableoperating Loans 2,670,606 1,446,117 2,364,664 1,277,879 2,126,348 1,137,099 1,941,301 1,074,894 1,705, , , 以上 and Higher 49, , , , , , , , , , , ,465, , ,015, , , , , , , , , ~ , , , , , , , , , , , ~ , , , , , , , , , , , ~ , , , , , , , , , , , ~ , , , , , , , , ,123, , , 未満 Less than , , , , , , , , , , , 貸付金利別残高構成 [ 消費者向け無担保ローン ] ( アコム ) Unsecured Accounts Receivableoperating Loans by Interest Rate [Unsecured Loans for Consumers] (ACOM) 2008/3 口座数残高口座数残高口座数残高口座数残高 口座数 残高 口座数 残高 Number Receivables Number Receivables Number Receivables Number Receivables Number Receivables Number Receivables 実質年率 Effective Annual Interest Rate of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () 営業貸付金 Accounts Receivableoperating Loans 2,670,606 1,446,117 2,364,664 1,277,879 2,126,348 1,137,099 1,941,301 1,074,894 1,705, , , 超 < 2,351, ,210, ,590, , ,126, , , , , , , 超 以下 < , , , , , , , , , , , 超 以下 < , , , , , , , , , , , 以下 , , , , , , , , , , ,

13 18. 貸付金額別残高構成 [ 消費者向け無担保ローン ] ( アコム ) Unsecured Accounts Receivableoperating Loans by Classified Receivable Outstanding [Unsecured Loans for Consumers] (ACOM) 残高ランク Classified Receivable Outstanding (Thousands of yen) 2008/3 口座数 残高 口座数 残高 口座数 残高 口座数 残高 口座数 残高 口座数 残高 Number Receivables Number Receivables Number Receivables Number Receivables Number Receivables Number Receivables of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () of Accounts C.R. () Outstanding C.R. () 10 万円以下 , , , , , , , , , , , 万円超 30 万円以下 100< , , , , , , , , , , , 万円超 50 万円以下 300< 500 1,170, , ,027, , , , , , , , , 万円超 100 万円以下 500< 1, , , , , , , , , , , , 万円超 1,000< 294, , , , , , , , , , , 合計 Total 2,670,606 1,446,117 2,364,664 1,277,879 2,126,348 1,137,099 1,941,301 1,074,894 1,705, , , 顧客年収別件数 [ 消費者向け無担保ローン ] ( アコム ) Composition Ratio of Customer Accounts by Annual Income [Unsecured Loans for Consumers] (ACOM) 2008/3 ( 単位 : 千円 /Thousands of yen ) 新規 New Accounts 初回貸付単価 既存 Existing Accounts 新規 New Accounts 初回貸付単価 既存 Existing Accounts 新規 New Accounts 初回貸付単価 既存 Existing Accounts 新規 New Accounts 初回貸付単価 既存 Existing Accounts 新規 New Accounts 初回貸付単価 既存 Existing Accounts 年収ランク Annual Income (Millions of yen) Initial Average Lending Amount Initial Average Lending Amount Initial Average Lending Amount Initial Average Lending Amount Initial Average Lending Amount 200 万円以下 万円超 500 万円以下 2< 万円超 700 万円以下 5< 万円超 1,000 万円以下 7< ,000 万円超 10< 合計 Total 顧客年代別件数 [ 消費者向け無担保ローン ] ( アコム ) Composition Ratio of Customer Accounts by Age [Unsecured Loans for Consumers] (ACOM) 2008/3 新規 New Accounts 既存 Existing Accounts 償却 Writeoffs Account 新規既存 償却 新規 既存 償却 新規 既存 償却 Writeoffs New Accounts Existing Accounts New Accounts Existing Accounts Writeoffs Writeoffs New Accounts Existing Accounts Account Account Account ( 単位 :) 新規 既存 償却 New Accounts Existing Accounts Writeoffs Account ~ 29 才 Under ~ 39 才 Age ~ 49 才 Age ~ 59 才 Age 才以上 Over 合計 Total 21. 顧客性別件数 [ 消費者向け無担保ローン ] ( アコム ) Composition Ratio of Customer Accounts by Gender [Unsecured Loans for Consumers] (ACOM) 2008/3 新規 既存 償却 新規 既存 償却 New Accounts Existing Accounts Writeoffs New Accounts Existing Accounts Writeoffs Account Account 新規既存 償却 新規 既存 償却 Writeoffs New Accounts Existing Accounts New Accounts Existing Accounts Writeoffs Account Account ( 単位 :) 新規 既存 償却 Writeoffs New Accounts Existing Accounts Account 男性 Male 女性 Female

14 22. 貸倒損失 ( アコム ) Bad Debts Expenses (ACOM) 2008/3 貸倒損失 ( 百万円 ) Bad Debts Expenses (Millions of yen) 138, , , , ,214 18, ローン事業 Loan Business 126, , , , ,467 19, 無担保ローン Unsecured Loans 125, , , , ,605 19, 有担保ローン Secured Loans 包括信用購入あっせん事業 Credit Card Business 4, , , , ,748 1, 個別信用購入あっせん事業 保証事業 1 口座当たり償却単価 [ 無担保ローン ( 千円 )] < 参考 > 1 口座当たり既存顧客単価 [ 無担保ローン ( 千円 )] Installment Sales Finance Business Guarantee Business Average Amount of Bad Debts Expenses per Account for Unsecured Loans (Thousands of yen) <Reference> Average Balance of Unsecured Loans for Consumers per Account (Thousands of yen) 1, , , , , ,997 1, [ 貸倒損失率 ] [Ratio of Bad Debts Expenses] ローン事業 () Loan Business () 8.42 (2.43) (3.37) (0.17) (0.05) (0.45) 無担保ローン Unsecured Loans 8.67 (2.52) (3.46) (0.21) (0.01) (0.44) 有担保ローン Secured Loans 1.07 (0.34) 1.31 (0.24) 1.98 (0.67) 2.75 (0.77) 3.62 (0.87) 包括信用購入あっせん事業 個別信用購入あっせん事業 < 参考 > 保証事業 Credit Card Business Installment Sales Finance Business <Reference> Guarantee Business 9.29 (1.09) (3.48) 3.97 (0.56) 3.97 (0.79) (0.54) ( 注 1) 貸倒損失率 Notes:1. Ratio of Bad Debts Expenses ローン事業 = 貸倒損失額 / ( 営業貸付金残高 + 破産更生債権残高 ) Loan Business = Bad Debts Expenses of Loan Business / (Receivables Outstanding plus Claims Provable in Bankruptcy, Claims Provable in Rehabilitation and Other ) 包括信用購入あっせん事業 = 貸倒損失額 / ( 割賦売掛金残高 + 破産更生債権残高 ) Credit Card Business = Bad Debts Expenses of Credit Card Business / (Card Shopping Receivables plus Claims Provable in Bankruptcy, Claims Provable in Rehabilitation and Other ) 個別信用購入あっせん事業 = 貸倒損失額 / ( 割賦売掛金残高 + 破産更生債権残高 ) Installment Sales Finance Business = Bad Debts Expenses of Installment Sales Finance Business / (Installment Receivables plus Claims Provable in Bankruptcy, Claims Provable in Rehabilitation and Other ) 保証事業 = 貸倒損失額 / ( 保証残高 + 保証実行残高 + 破産更生債権残高 ) Guarantee Business = Bad Debts Expenses of Guarantee Business / (Guaranteed Receivables plus Payments in Subrogation plus Claims Provable in Bankruptcy, Claims Provable in Rehabilitation and Other ) ( 注 2) 貸倒損失率の欄には ( ) 書きで増減数を表示 :2. Figures in brackets indicate yearonyear change in percentage points. (0.95) 4.54 (0.38) (1.91) 2.76 (1.78) (1.45) 2.40 (0.36) 222. 無担保ローン貸倒損失理由別状況 ( アコム ) Bad Debts Expenses of Unsecured Loans by Reasons (ACOM) 2008/3 金額金額金額金額 金額ベース [Based on Receivables Outstanding] C.R. () C.R. () C.R. () C.R. () 貸倒損失 ( 百万円 ) Amount of Bad Debts Expenses (Millions of yen) 125, , , ,151 金額 C.R. () 108,605 自己破産 Personal Bankruptcy 19, , , , , 行方不明 Failure to Locate Borrowers 2, , 支払不能等 Borrowers' Inability of Making Repayments, etc. 57, , , , , 債権放棄 利息返還に伴う債権放棄 ACOM's Voluntary Waiver of Repayments Waiver of Repayments accompanied with 46, , , , , Interest Repayments 41,880 58,838 57,354 46,414 60,176 12

15 23. 不良債権の状況 ( アコム ) Nonperforming Loans (ACOM) 不良債権合計 破綻先債権 破産申立債権 民事再生申立債権 民事再生決定債権 延滞債権 Total Amount of Nonperforming Loans Loans to Borrowers in Bankruptcy or Under Reorganization Applications for Bankruptcy are Proceeded Applications for The Civil Rehabilitation are Proceeded Applications for The Civil Rehabilitation are Determined Loans in Arrears 3 カ月以上延滞債権 Loans Past Due for Three Months or More 貸出条件緩和債権 Restructured Loans ( 注 ) 利息返還損失引当金の計上に伴い 2006 年 3 月期より弁護士等受任中の未和解債権残高を未収利息不計上貸付金として延滞債権に含んで表示 カ月未満の延滞債権 [ 本社管理債権を除く ]( アコム ) Loans in Arrears for Less Than 3 Months [excluding balance held by headquarters' collection department] (ACOM) 11 日以上 3 カ月未満延滞額 11 days < 3 months 31 日以上 3 カ月未満延滞額 31 days < 3 months 11 日以上 31 日未満延滞額 11 days < 31 days 2008/3 末残比 末残比 末残比 末残比 141, , , , , , , , , , , , , , , , , , , , , , , , , /3 末残比 17, Note : In line with the inclusion of Provision for Loss on Interest Repayment, the amount of loans to borrowers seeking legal counsel that has not been resolved yet is counted in the amount of loans in arrears as loans exclusive of accrued interest from the fiscal year ended March 31, 末残比 19, , , , , 末残比 16, , , 末残比 14, , , 末残比 98, , , , , 末残比 14, , , 貸倒引当金 ( アコム ) Allowance for Doubtful Accounts (ACOM) 2008/3 貸倒引当金 ( 百万円 ) Allowance for doubtful accounts (Millions of yen) 121, , , , , , 引当率 () Ratio of Allowance () 一般債権 General Allowance 54, , , , , 消費者向け無担保債権 Unsecured Consumer Loans 48, , , , , 本社管理債権 Specific Allowance 65, , , , , 貸倒引当金増減額 Increase or Decrease in Allowance 1,700 12,500 24,500 22,300 1,200 11,200 債務保証損失引当金引当金増減額 Provision for Loss on Guarantees Increase or Decrease in Allowance 3, , , ,880 8, , ( 注 ) 貸倒引当金 Note : Allowance for Doubtful Accounts 引当率 ()= 100 Ratio of Allowance for Doubtful Accounts = 100 期末営業貸付金残高 + 割賦売掛金実質残高 Accounts Receivableoperating Loans at termend plus Installment Receivables (excluding deferred Income on installment sales finance) 2.9 8, 利息返還損失引当金 ( アコム ) Provision for Loss on Interest Repayment (ACOM) 2008/3 利息返還損失引当金 ( 百万円 ) Provision for Loss on Interest Repayment (Millions of yen) 490, , , , ,300 利息返還損失引当金増減額 Increase or Decrease in Provision 466, ,200 91,400 78,900 78,800 ( 注 )2006 年 9 月期より従来の貸倒引当金計上額の一部を含んで表示 Note: The numbers in the above contain a portion of Allowance for doubtful accounts calculated by former method from interim accounting period as of September

16 26. 資金調達 ( アコム ) Funds Procurement (ACOM) 2008/3 C.R.() C.R.() C.R.() C.R.() C.R.() C.R.() 借入金残高 Borrowings 888, , , , , , 間接 Indirect 580, , , , , , 都市銀行等 City Banks, etc. 68, , , , , 地方銀行 Regional Banks 18, , , , , 信託銀行 Trust Banks 269, , , , , 外国銀行 Foreign Banks 7, , , , , 生命保険会社 Life Insurance Companies 112, , , , , 損害保険会社 Nonlife Insurance Companies 16, , , , , その他 Others 88, , , , , 直接 Direct 307, , , , , , 普通社債 Straight Bonds 260, , , , , 債権流動化 Asset Based Lending 20, , コマーシャルペーパー Commercial Papers 40, その他 Others 7, 短期借入金 Shortterm Loans Payable 60, 長期借入金 Longterm Loans Payable 828, , , , , , 固定金利借入 Fixed 762, , , , , , 金利スワップ ( 想定元本 ) Interest Rate Swaps (Notional) 236, , , , , 期中平均調達金利 () Average Interest Rate on Funds Procured During the Year () 期中平均表面調達金利 Average Nominal Interest Rate on Funds Procured During the Year 変動金利 Floating Interest Rate 固定金利 Fixed Interest Rate 短期借入金利 Shortterm 長期借入金利 Longterm 直接借入金利 Direct 間接借入金利 Indirect < 参考 > <Reference> 期間平均長期プライムレート Term Average of Longterm Prime Rate ( 注 1) 期中平均表面調達金利はデリバティブ等付随金融費用を除いて算出 Notes:1.Financial expenses pertaining to derivatives have been excluded from the calculation of average nominal interest rate on funds procured during the year. ( 注 2) データブック上では 管理会計に準じてコミットメントファシリティー ( 資産流動化 ) の実行残高を直接調達の その他 に記載 :2.The exercised outstanding of commitment facility (structured finance) is booked under "Others" in "Direct" according to management accounting on data book. ( 注 3)2009 年 3 月期第 2 四半期より 旧長期信用銀行は都市銀行等に含めて記載 :3."Former Longterm Credit Banks" is listed under "City Banks,etc." from the second quarter for the fiscal year ended March ( 注 4) シンジケート ローンは間接調達の その他 に記載 :4. Syndicated loans are booked under "Others" in "Indirect"

17 27. 包括信用購入あっせん事業 ( アコム ) Credit Card Business (ACOM) 2008/3 有効会員数 ( 人 ) Number of Cardholders 1,175, , , , , , , 提携カード Tieup Card 721, , , , ,070 66, 残有会員数 ( 人 ) Number of Accounts with Shopping Receivables 297, , , , ,961 27, 割賦売掛金残高 Card Shopping Receivables 44, , , , ,625 4, , リボルビング残高 Revolving Receivables 40, , , , ,807 4, 営業収益 Revenue from Credit Card Business 5, , , , , , カード発行機台数 ( 台 ) Number of Card Issuance Machines 1, , , むじんくんコーナー MUJINKUN 1, , 店舗内 Loan Business Outlets 個別信用購入あっせん事業 ( アコム ) Installment Sales Finance Business (ACOM) 2008/3 利用会員数 ( 件 ) Number of Customer Accounts 割賦売掛金残高 実質残高 営業収益 Installment Receivables Adjusted Receivables Revenue from Installment Sales Finance Business 貸倒損失率 () Ratio of Bad Debts Expenses () 加盟店数 ( 店 ) Number of Merchant Venders 147, , , , , ( 注 1) 利用会員数は割賦売掛金残高を有する契約件数 Notes :1. "Number of Customer Accounts" indicates the number of contracts with receivables outstanding. ( 注 2) 実質残高は割賦販売金残高から割賦利益繰延を除いて表示 :2. Adjusted Receivables indicate installment recievables excluding deferred income on installment sales finance. 29. 保証事業 ( アコム ) Guarantee Business (ACOM) 2008/3 利用件数 ( 件 ) Number of Accounts with Outstanding Balance 407, , , , , , , 利用残高 Guaranteed Receivables 179, , , , , , , 営業収益 Revenue from Credit Guarantee 10, , , , ,689 7, ,

18 30. 財務指標 ( アコム ) Financial Ratios (ACOM) ( 単位 :) 2008/3 p.p. p.p. p.p. p.p. p.p. p.p. 配当性向 Dividend Payout Ratio 自己資本比率 Shareholders' Equity Ratio (21.7) (21.7) (25.0) (3.3) (27.2) (2.2) (25.3) (1.9) (14.1) (11.2) (18.0) (3.9) 自己資本配当率 Dividend on Equity 自己資本当期純利益率 Return on Equity (ROE) 総資産営業利益率 Operating Income to Total Assets 総資産経常利益率 Ordinary Income to Total Assets 総資産当期純利益率 Return on Assets (ROA) 営業収益営業利益率 Operating Margin 営業収益経常利益率 Ordinary Income to Operating Revenue 営業収益当期純利益率 Net Income Margin 流動比率 Current Ratio 固定比率 Fixed Assets Ratio 支払利息負担能力 ( 倍 ) Interest Coverage (times) ( 注 1) 自己資本比率の下段 ( ) 内は総資産に保証債権残高を含めた場合の値を表示 Notes:1. The figures in the brackets on the second line of shareholders' equity ratio item represent the ratios calculated with the equity including guaranteed receivables. ( 注 2) 当期純損失を計上した年度は 配当性向 の記載を省略 :2. "Dividend Payout Ratio" is omitted when the net loss is booked. ( 注 3) 支払利息負担能力 ( 倍 )=( 営業利益 + 金融費用 )/ 金融費用 :3. "Interest Coverage(time)"=(Operating Income+Financial Expenses)/Financial Expenses < 参考 > 連結主要指標 自己資本比率 Shareholders' Equity Ratio 自己資本当期純利益率 Return on Equity (ROE) <Reference> Financial Ratios (Consolidated) 2008/3 ( 単位 :) p.p. p.p. p.p. p.p. p.p (21.1) (21.1) (23.4) (2.3) (25.4) (2.0) (24.1) (1.3) (13.6) (10.5) 総資産当期純利益率 Return on Assets (ROA) ( 注 ) 自己資本比率の下段 ( ) 内は総資産に保証債権残高を含めた場合の値を表示 Note: The figures in the brackets on the second line of shareholders' equity ratio item represent the ratios calculated with the equity including guaranteed receivables. 16