2012 年 3 月期決算 The Fiscal Year Ended March, 2012 アコム株式会社 ACOM CO., LTD 年 5 月 May 2012 Code No. 8572

Transcription

1 2012 年 3 月期決算 The Fiscal Year Ended March, 2012 アコム株式会社 ACOM CO., LTD 年 5 月 May 2012 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 Outstanding by Segment 4 5. 事業別利用者数 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 Outstanding 利用者数 of Customer Accounts ローン事業新客数 of New Loan Customers ローン事業店舗数 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 信用保証事業 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. The total amounts shown in the tables may not necessarily aggregate up with the sums of the individual amounts. ( 注 5) 単位未満の値を含む実績値 または増減値が0である場合は で表示 : 5. "" is shown in results and "" when these amounts, including those less than one million, are zero. 単位未満の値を含む実績値 または増減値が0 超である場合は 0 で表示 "0" is shown in results and "" when these amounts exceed zero, but are less than one million. 増減率が1,000 を超える場合は で表示 "" is shown in "" when percentage changes exceed 1,000. 非開示とされている数値がある場合は 実績値 増減値および増減率は で表示 "" is shown in "," "," and the results when the figures were not disclosed in the past and/or are not 過去において非開示であり増減比較できない場合は 増減値および増減率は で表示 currently disclosed. 増減比較の基となる数値の一方 または両方がマイナスの場合は 増減値のみを表示 前期実績値が0 超 かつ当期実績値が0である場合は 増減値のみを表示 "" is shown in "," and "" when the figures were not disclosed in the past, thus, cannot be compared. Only "" is shown when the results in two terms changed from positive to negative, or from negative to positive. Only "" is shown when both results in two terms are negative. Only "" is shown when the results in last term exceeded zero, and the results in current term are zero. : 6. "(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 ) 8 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 ( 100) 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) 0 パワーインベストメンツ合同会社 Power Investments LLC 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) 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 : 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. ( 注 4) アフレッシュクレジット株式会社が行う個別信用購入あっせん事業について 段階的に新規契約の取り扱い停止を行い : 4. The installment sales finance business conducted by AFRESH CREDIT CO., LTD. has gradually suspended acceptance of new contracts as the company 当該事業の撤退を進めております is preparing for withdrawal from the business. ( 注 5) 平成 24 年 4 月 1 日を効力発生日として 当社はエーシーベンチャーズ株式会社を吸収合併しております : 5. ACOM CO., LTD. merged AC Ventures Co., Ltd. on April 1, 2012 as the effective date. 2

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) 連 単倍率 連 単倍率 連 単倍率 増減 率 増減 率 増減 率 Consolidated Consolidated Consolidated /Unconsolidated /Unconsolidated /Unconsolidated ( ACOM ) ( ACOM ) ( ACOM ) ratio ratio ratio 営業収益 Operating Revenue 245,831 ( 207,767 ) 32, ,456 ( 173,837 ) 35, ,900 ( 149,700 ) 23, 営業費用 Operating Expenses 430,617 ( 398,600 ) 157, ,570 ( 150,830 ) 251, ,600 ( 115,100 ) 33, 金融費用 Financial Expenses 22,534 ( 17,340 ) ,145 ( 18,118 ) 1, ,300 ( 17,700 ) 貸倒関連費用 Provision for Bad Debts 78,136 ( 66,904 ) 11, ,725 ( 26,048 ) 43, ,200 ( 37,700 ) 12, 利息返還損失引当金繰入額 Provision for Loss on Interest Repayment 243,456 ( 243,456 ) 185, ,807 ( 48,807 ) 194, ( ) 48,807 営業利益 Operating Income 184,785 ( 190,832 ) 190, ,885 ( 23,007 ) 215, ,300 ( 34,600 ) 10, 営業外収益 Nonoperating Income 1,369 ( 1,832 ) ,418 ( 3,767 ) ( 2,900 ) 営業外費用 Nonoperating Expenses 90 ( 552 ) ( 312 ) ( 300 ) 経常利益 Ordinary Income 183,506 ( 189,551 ) 191, ,219 ( 26,461 ) 215, ,000 ( 37,200 ) 9, 特別利益 Extraordinary Income 608 ( 561 ) 1, ,574 ( 2,505 ) 1, ,900 ( 2,900 ) 特別損失 Extraordinary Loss 16,740 ( 16,079 ) 5, ,417 ( 1,416 ) 15, ( 500 ) 税金等調整前当期純利益 Income Before Income Taxes 199,638 ( 205,069 ) 198,700 33,377 ( 27,550 ) 233,015 44,400 ( 39,600 ) 11, 当期純利益 Net Income 202,648 ( 204,929 ) 195, ,464 ( 20,853 ) 224, ,500 ( 39,500 ) 19, ( 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) 増減 率 C.R. C.R. C.R. C.R. 営業収益 Operating Revenue 278, , ,456 35, , ローン事業 Loan Business 240, , ,409 32, , アコム ACOM CO., LTD. 219, , ,883 32, , DCキャッシュワン DC Cash One Ltd. 1, EASY BUY EASY BUY Public Company Limited 19, , , , 包括信用購入あっせん事業 Credit Card Business 3, , , , アコム ACOM CO., LTD. 3, , , , 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, , ,837 1, EASY BUY EASY BUY Public Company Limited アフレッシュクレジット AFRESH CREDIT CO., LTD. 3, , ,497 1, 信用保証事業 Guarantee Business 14, , , , アコム ACOM CO., LTD. 14, , , , 債権管理回収事業 Loan Servicing Business 12, , ,495 1, , 買取債権回収高 Collection from purchased receivable 12, , ,666 1, その他事業 Others , , その他金融サービス事業 Other Financial Businesses 銀行業 Banking Business 3, , ,548 1, , ( 注 ) 決算短信等に開示している報告セグメントごとの営業収益 外部顧客からの営業収益 を各社事業ごとに記載 Note: Operating revenue above are revenues from external customers in each reported segment as disclosed in Brief Statement of Financial Results, etc. 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 ) Outstanding by Segment (Consolidated) 2009/3 期末残高 ( 百万円 ) Outstanding (Millions of yen) ローン事業 Loan Business アコム ACOM CO., LTD. DCキャッシュワン ( 求償債権分 ) を除く Exclude Right to Reimbursement of DC Cash One s credit 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 信用保証事業 Guaranteed アコム ACOM CO., LTD. DCキャッシュワン DC Cash One Ltd. 1,612, ,423, ,272, ,061, , , , ,480, ,316, ,173, , , , , ,325, ,179, ,106, , , , , ,318, ,171, ,103, , , , , , , , , ,603 1, , , , , , , , ,482 3, , , , , , ,482 3, , , , , , ,207 13, , , , , , ,499 12, , , , , , , , , , ,159 1, , ,078 18, , , ,518 8, , , , , , , , , , ,282 39, , , , ,282 39, , 事業別利用者数 ( 連結 ) of Customer Accounts by Segment (Consolidated) 2009/3 ローン事業 ( 件 ) Loan Business アコム ACOM CO., LTD. DCキャッシュワン ( 求償債権分 ) を除く Exclude Right to Reimbursement of DC Cash One s credit 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 ( 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 銀行業 ( 件 ) Loan Servicing Business ( 件 ) Banking Business 2,374, ,135, ,948, ,712, ,575,021 ( 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: 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: 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: 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 : 4. Loan Servicing Business: of accounts for purchased loans. 638, , , , , , , ,587 3,208, ,390, , ,126, ,720, ,153, ,957, , , , ,134 2, , ,446 74, , , , ,513 1, , ,523 45, , ,505, ,718, , ,426,262 78, ,352,100 1,579, , ,426, , , , , , , , , ,424, ,683 63, , ,124 14, , , ,224 65, , ,188 64, , ,754 56, , ,929 6, , ,001 4, , , ,694 8,

7 6. 主要損益 ( アコム ) Income and Expenses (ACOM) 2009/3 営業収益 Operating Revenue 317, , , , ,837 33, , 営業貸付金利息 Interest on Operating Loans 292, , , , ,211 33, , 営業費用 Operating Expenses 236, , , , , , , 金融費用 Financial Expenses 15, , , , , , 商品売上原価 Cost of Goods Sold 貸倒関連費用 Provision for Bad Debts 100, , , , ,048 40, , 利息返還損失引当金繰入額 Provision for Loss on Interest Repayment 19, , , , , , 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 92, , , , ,855 12, , 営業利益 Operating Income 80,159 26, , ,832 23, ,840 34, 営業外収益 Nonoperating Income 2, , , , ,767 1, , 営業外費用 Nonoperating Expenses , 経常利益 Ordinary Income 82,319 29, , ,551 26, ,013 37, 特別利益 Extraordinary Income 3,973 5, , ,505 1, , 特別損失 Extraordinary Loss 27, , , , ,416 14, 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 22, , ,696 税引前当期純利益 Income Before Income Taxes 58,601 29, , ,069 27, ,620 39, 法人税 住民税及び事業税 Income Taxescurrent 過年度法人税等 Income Taxes for Prior Periods 9,060 法人税等調整額 Income Taxesdeferred 15,873 12, , ,632 6,843 当期純利益 Net Income 33,518 16, , ,929 20, ,782 39,

8 7. 部門別営業収益 ( アコム ) Operating Revenue by Category (ACOM) 2009/3 営業収益 Operating Revenue 317, , , , ,837 33, , 営業貸付金利息 Interest on Operating Loans 292, , , , ,211 33, , 無担保ローン Unsecured Loans 287, , , , ,757 33, , 消費者向け Consumers 287, , , , ,754 33, , 事業者向け Commercials 有担保ローン Secured Loans 5, , , , , , 包括信用購入あっせん収益 Revenue from Credit Card Business 5, , , , , , 信用保証収益 Revenue from Credit Guarantee 11, , , , , , 商品売上高 Net Sales of Goods その他の部門収益 Others 7, , , , ,254 1, , 償却債権回収益 Collection of Bad Debts Deducted 5, , , , , , 営業収益の部門別 ( アコム ) Composition Ratio of Operating Revenue by Category (ACOM) ( 単位 :) 2009/3 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 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 金融費用 Financial Expenses 商品売上原価 Cost of Goods Sold 貸倒関連費用 Allowance for Bad Debts 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 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 ) 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 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, , / ,223 14,675 76,276 92,451 8,271 24, ,157 86,203 57,354 91,400 92,113 23,901 8,645 11,991 21,948 14, ,753 4, , , , , , , , , , , ,048 40, , , ,442 13, , , , ,276 1,199 21,686 1, , , , , , , , ,952 10, , , ,954 22, ,900 78,800 83, , , ,855 12, , , ,348 3, , , , , , ,388 1, , , ,986 4, , , , , , , , , , , , ,086 1, 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 , , , , , , , , , , , , , 営業収益営業費用率 ( アコム ) Ratio of Operating Expenses to Operating Revenue (ACOM) ( 単位 :) 2009/3 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 貸倒関連費用 Allowance for Bad Debts 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 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 7

10 9. 期末残高 ( アコム ) Outstanding (ACOM) 2009/3 期末残高 ( 百万円 ) Outstanding (Millions of yen) 1,356, ,204, ,130, , , , , ローン事業 Loan Business 1,318, ,171, ,103, , , , , 無担保ローン Unsecured Loans 1,277, ,137, ,074, , ,965 98, , 消費者向け Consumers 1,277, ,137, ,074, , ,954 98, , 事業者向け Commercials 有担保ローン Secured Loans 40, , , , ,132 4, , 不動産カードローン Real Estate Card Loan 35, , , , ,365 3, 包括信用購入あっせん事業 Credit Card Business 37, , , , ,482 3, , 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> 信用保証事業 Guaranteed 181, , , , ,282 39, , 利用者数 ( アコム ) of Customer Accounts (ACOM) 2009/3 ローン事業 ( 件 ) Loan Business 2,374, ,135, ,948, ,712, ,575, , ,424, 無担保ローン Unsecured Loans 2,364, ,126, ,941, ,706, ,569, , ,419, 消費者向け Consumers 2,364, ,126, ,941, ,705, ,569, , ,419, 事業者向け Commercials 有担保ローン Secured Loans 10, , , , , , 包括信用購入あっせん事業 ( 人 ) Credit Card Business 866, , , , ,188 64, , ( 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: 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: of cardholders. 8

11 11. ローン事業新客数 ( アコム ) of New Loan Customers (ACOM) ローン事業新客数 ( 人 ) of New Loan Customers 無担保ローン Unsecured Loans 消費者向け Consumers 有担保ローン Secured Loans 2009/3 175, , , , ,257 23, , , , , , ,257 23, , , , , , ,257 23, , ローン事業店舗数 ( アコム ) of Loan Business Outlets (ACOM) 2009/3 ローン事業店舗数 ( 所 ) of Loan Business Outlets 1, , , , , ,049 有人店舗 Staffed 無人店舗 Unstaffed 1, , , , , , むじんくん ( アコム ) MUJINKUN (ACOM) むじんくんコーナー数 ( 所 ) of MUJINKUN Outlets むじんくん台数 ( 台 ) of MUJINKUN Machines 1, / , , , , , , , , , , , CD ATM ( アコム ) Cash Dispensers and ATMs (ACOM) C D A T M 台数 ( 台 ) 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 92,063 4,290 95,024 2,961 1, , , , , ,243 4,311 8, /3 ( 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, ,354 3,111 8, , , ,593 45,081 48,592 2, , ,102 1, , ,102 1, , , ,392 44,865 47,490 8, , , , , 社員数 ( アコム ) Employees (ACOM) 2009/3 合計 ( 人 ) of Total Employees 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) 2009/3 ( 単位 :) 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 Each Month (, 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) 2009/3 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 実質年率 Effective Annual Interest Rate of Accounts Outstanding Outstanding C.R. () C.R. () of Accounts C.R. () of Accounts Outstanding Outstanding of Accounts Outstanding C.R. () C.R. () C.R. () Outstanding of Accounts C.R. () C.R. () of Accounts C.R. () C.R. () C.R. () C.R. () 営業貸付金 Accounts Receivableoperating Loans 2,364,664 1,277,879 2,126,348 1,137,099 1,941,301 1,074,894 1,705, ,761 1,569, , , < < 1,537, , ,089, , , , , , , , , < < , , , , , , , , , , , < < , , , , , , , , , , , , , , , , , , , , , , < < , , , , , , , , , , , 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) of Accounts C.R. () 2009/3 口座数残高口座数 Outstanding C.R. () of Accounts C.R. () 残高口座数残高口座数 Outstanding of Accounts C.R. () C.R. () Outstanding of Accounts C.R. () C.R. () Outstanding of Accounts C.R. () C.R. () 残高口座数残高口座数残高 Outstanding of Accounts C.R. () 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 1,027, , , , , , , , , , , 万円超 100 万円以下 500 < 1, , , , , , , , , , , , 万円超 1,000 < 262, , , , , , , , , , , 合計 Total 2,364,664 1,277,879 2,126,348 1,137,099 1,941,301 1,074,894 1,705, ,761 1,569, , ,000 10

13 19. 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) ( 単位 : 千円 /Thousands of yen ) 2009/3 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) ( 単位 :) 2009/3 新規 既存 償却 新規 既存 償却 新規既存償却 新規既存償却 新規既存償却 New Accounts Existing Accounts Writeoffs Account New Accounts Existing Accounts Writeoffs Account New Accounts Existing Accounts Writeoffs Account New Accounts Existing Accounts Writeoffs Account 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) 2009/3 新規 既存 償却 新規 既存 償却 新規 既存 償却 新規 既存 Writeoffs Writeoffs Writeoffs New Accounts Existing Accounts New Accounts Existing Accounts New Accounts Existing Accounts New Accounts Existing Accounts Account Account Account 償却 Writeoffs 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) 2009/3 貸倒損失 ( 百万円 ) Bad Debts Expenses (Millions of yen) 170, , , , ,397 35, , ローン事業 Loan Business 155, , , , ,217 35, , 無担保ローン Unsecured Loans 155, , , , ,644 34, , 貸倒損失 Bad Debts Expenses 96, , , , ,689 12, 利息返還請求に伴う債権放棄 Waiver of Repayments accompanied with Interest Repayments 58, , , , ,954 22, 有担保ローン Secured Loans 包括信用購入あっせん事業 Credit Card Business 4, , , , , , 信用保証事業 Guarantee Business 9, , , , , , 口座当たり償却単価 [ 無担保ローン ( 千円 )] Average Amount of Bad Debts Expenses per Account for Unsecured Loans (Thousands of yen) < 参考 > <Reference> 1 口座当たり既存顧客単価 [ 無担保ローン ( 千円 )] Average Balance of Unsecured Loans for Consumers per Account (Thousands of yen) [ 貸倒損失率 ] [Ratio of Bad Debts Expenses] ローン事業 () Loan Business () (3.37) (0.17) (0.05) (0.45) 9.28 (2.84) 7.06 (2.22) 無担保ローン Unsecured Loans (3.46) (0.21) (0.01) (0.44) 9.43 (2.92) 7.14 (2.29) 貸倒損失 Bad Debts Expenses 7.53 (1.76) 6.88 (0.65) 7.60 (0.72) 5.51 (2.09) 4.57 (0.94) 利息返還請求に伴う債権放棄 Waiver of Repayments accompanied with Interest Repayments 4.60 (1.71) 5.04 (0.44) 4.31 (0.73) 6.84 (2.53) 4.86 (1.98) 有担保ローン Secured Loans 1.31 (0.24) 1.98 (0.67) 2.75 (0.77) 3.62 (0.87) 2.95 (0.67) 3.20 (0.25) 包括信用購入あっせん事業 Credit Card Business (3.48) (0.54) (1.91) (1.45) (1.93) 8.32 (2.44) 信用保証事業 Guarantee Business 4.92 (0.95) 4.54 (0.38) 2.76 (1.78) 2.40 (0.36) 2.24 (0.16) 2.01 (0.23) ( 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 / ( 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 plus Claims Provable in Bankruptcy, Claims Provable in Rehabilitation and Other ) 信用保証事業 = 貸倒損失額 / ( 信用保証残高 + 信用保証実行残高 + 破産更生債権残高 ) Guarantee Business = Bad Debts Expenses of Guarantee Business / (Guaranteed 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 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) 2009/3 金額ベース [Based on Outstanding] 金額 C.R. () 金額 C.R. () 金額 C.R. () 金額 C.R. () 金額 C.R. () 貸倒損失 ( 百万円 ) Amount of Bad Debts Expenses (Millions of yen) 155, , , ,605 73,644 自己破産 Personal Bankruptcy 14, , , , , 行方不明 Failure to Locate Borrowers 1, 支払不能等 Borrowers' Inability of Making Repayments, etc. 69, , , , , 債権放棄 ACOM's Voluntary Waiver of Repayments 68, , , , , 利息返還請求に伴う債権放棄 Waiver of Repayments accompanied with Interest Repayments 58,838 57,354 46,414 60,176 37,954 12

15 23. 不良債権の状況 ( アコム ) Nonperforming Loans (ACOM) 不良債権合計 Total Amount of Nonperforming Loans 破綻先債権 Loans to Borrowers in Bankruptcy or Under Reorganization 破産申立債権 Applications for Bankruptcy are Proceeded 民事再生申立債権 Applications for the Civil Rehabilitation are Proceeded 民事再生決定債権 Applications for the Civil Rehabilitation are Determined 延滞債権 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 2009/3 末残比 末残比 末残比 末残比 124, , , , , , , , , , , , , , , , , , , , , , , /3 末残比 19, 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 16, , , , , 末残比 14, , , 末残比 14, , , , , , , 末残比 末残比 11, , , 貸倒引当金 ( アコム ) Allowance for Doubtful Accounts (ACOM) 貸倒引当金 ( 百万円 ) Allowance for Doubtful Accounts (Millions of yen) 引当率 () Ratio of Allowance () 一般債権 General Allowance 消費者向け無担保債権 Unsecured Consumer Loans 本社管理債権 Specific Allowance 引当金増減額 Increase or Decrease in Allowance 2009/3 108, , , , ,500 84, , , , ,500 61, , , , , , , , , ,200 41, , , , ,700 38, ,900 債務保証損失引当金 Provision for Loss on Guarantees 引当金増減額 Increase or Decrease in Provision 3, , , ,880 ( 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 + 割賦売掛金残高 Accounts Receivableoperating Loans at termend plus Installment (excluding deferred Income on installment sales finance) , , , , 利息返還損失引当金 ( アコム ) Provision for Loss on Interest Repayment (ACOM) 2009/3 期首引当金残高 ( 百万円 ) Provision at the Beginning of Respective Period (Millions of yen) 490, , , , , , 取崩額 Reversal of Provision 134, , , , , 利息返還金 Interest Repayment 75, , , , , 貸倒損失 ( 債権放棄 ) Bad Debts Expenses (ACOM's Voluntary Waiver of Repayments) 58, , , , , 繰入額 Additional Provision 19,620 52, , , , 期末引当金残高引当金増減額 Provision at the End of Respective Period Increase or Decrease in Provision 374, , ,400 91, ,500 78, ,300 78, ,200 83,

16 26. 資金調達 ( アコム ) Funds Procurement (ACOM) 2009/3 C.R.() C.R.() C.R.() C.R.() C.R.() C.R.() 借入金残高 Borrowings 774, , , , , , 間接 Indirect 514, , , , , , 都市銀行等 City Banks, etc. 90, , , , , 地方銀行 Regional Banks 17, , , , , 信託銀行 Trust Banks 176, , , , , 外国銀行 Foreign Banks 7, , , , , 生命保険会社 Life Insurance Companies 95, , , , , 損害保険会社 Nonlife Insurance Companies 11, , , , その他 Others 115, , , , , 直接 Direct 260, , , , , , 普通社債 Straight Bonds 260, , , , , 債権流動化 Asset Based Lending 20, , , 長期借入金 Longterm Loans Payable 774, , , , , , 固定金利借入 Fixed 717, , , , , 金利スワップ ( 想定元本 ) Interest Rate Swaps (Notional) 228, , , , , 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 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)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 : 2."Former Longterm Credit Banks" is listed under "City Banks,etc." from the second quarter for the fiscal year ended March ( 注 3) シンジケート ローンは間接調達の その他 に記載 : 3. Syndicated loans are booked under "Others" in "Indirect". 14

17 27. 包括信用購入あっせん事業 ( アコム ) Credit Card Business (ACOM) 2009/3 有効会員数 ( 人 ) of Cardholders 866, , , , ,188 64, , 提携カード Tieup Card 493, , , , ,630 39, 残有会員数 ( 人 ) of Accounts with Shopping 231, , , , ,784 15, 割賦売掛金残高 Card Shopping 37, , , , ,482 3, , リボルビング残高 Revolving 35, , , , ,597 3, 営業収益 Revenue from Credit Card Business 5, , , , , , カード発行機台数 ( 台 ) of Card Issuance Machines 1, , むじんくんコーナー MUJINKUN 1, 店舗内 Loan Business Outlets 信用保証事業 ( アコム ) Guarantee Business (ACOM) 2009/3 利用件数 ( 件 ) of Accounts with Outstanding Balance 411, , , , ,626 49, ,120, 利用残高 Guaranteed 181, , , , ,282 39, , 営業収益 Revenue from Credit Guarantee 11, , , , , , 保証提携先 ( 行 ) Tieup Partners ( 注 )2009 年 3 月期以前の保証提携先は DC キャッシュワン 1 社を含む Note : of Tieup Partners in Guarantee Business before FY March 2009 Includes DC Cash One. 15

18 29. 財務指標 ( アコム ) Financial Ratios (ACOM) ( 単位 :) 2009/3 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 (25.0) (3.3) (27.2) (2.2) (25.3) (1.9) (14.1) (11.2) (15.8) (1.7) (18.6) (2.8) 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 ( ) 内は総資産に信用保証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 (times)"=(operating Income+Financial Expenses)/Financial Expenses < 参考 > 連結主要指標 自己資本比率 Shareholders' Equity Ratio <Reference> Financial Ratios (Consolidated) 2009/3 p.p. p.p. p.p. p.p (23.4) (2.3) (25.4) (2.0) (24.1) (1.3) (13.6) (10.5) ( 単位 :) p.p (15.2) (1.6) 自己資本当期純利益率 Return on Equity (ROE) 総資産当期純利益率 Return on Assets (ROA) ( 注 ) 自己資本比率の下段 ( ) 内は総資産に信用保証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

19 30. 1 株当たり指標 ( アコム ) Per Share Data (ACOM) ( 単位 : 円 /Yen) 2009/3 当期純利益単体 Net Income Nonconsolidated , 連結 Consolidated , 配当金 Dividends 純資産単体 Net Assets Nonconsolidated 2, , , , , , 連結 Consolidated 2, , , , , , [ 前年同期比増減率 ] [Ratio of Increase or Decrease from the Previous Fiscal Year] ( 単位 :) 2009/3 当期純利益単体 Net Income Nonconsolidated 49.5 連結 Consolidated 61.4 配当金 Dividends 純資産単体 Net Assets Nonconsolidated 連結 Consolidated 発行済株式総数 ( アコム ) Shares Issued (ACOM) ( 単位 : 千株 /Thousands) 2009/3 期中平均株式数 Average of Shares Issued 157, , , , ,661 During the Year 期末発行済株式数 of Shares Issued 157, , , , ,661 at Yearend ( 注 1) 期中平均株式数は期中平均自己株式数を除いて算出 Notes: 1. Average number of treasury stocks during the year are excluded from the average number of shares issued during the year. ( 注 2) 期末発行株式数は期末自己株式数を除いて算出 : 2. of treasury stocks at the yearend are excluded from the number of shares issued at yearend. 17

20 ( 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 are as follows ; 破綻先債権未収利息不計上貸付金 ( 本社管理債権または121 日以上延滞債権 ) のうち 破産債権 再生債権 更正債権 その他これらに準ずる貸付金 Loans to borrowers in bankruptcy or under reorganization Loans to borrowers declared bankrupt, to borrowers under rehabilitation, to borrowers under reorganization, or other similar circumstances, which are part of loans exclusive of accrued interest that are past due for over 121 days and held by headquarters' collection department. 延滞債権その他の未収利息不計上貸付金 ただし 債務者の経営再建または支援を図ることを目的として利息の支払いを猶予したものを除く Loans in arrears Other delinquent loans exclusive of accrued interest. This category excludes loans on which interest is being waived in support of business restructuring. 3カ月以上延滞債権営業店債権の内 3カ月以上 121 日未満の延滞債権 Loans past due for three months or more Loans past due for three months or more that do not fall into the above two categories. 貸出条件緩和債権上記以外の当該貸付金の回収を促進することなどを目的に 金利の減免等債務者に有利となる取決めを行った貸付金 Restructured loans Loans, other than those in the above three categories, in which favorable terms, such as the reduction of interest, have been granted with a view to promoting recovery of the loans. 18