Acom : Annual(1450KB)

Earnings Release Presentation

Financial Results for the Fiscal Year Ended March 2023

May 11, 2023

• Disclaimer

The figures contained in this presentation material with respect to ACOM Group's plans and strategies and other statements that are not historical facts are based on information available at the date of announcement of this presentation material. However, there are some potential risk factors in the Group's business management. Therefore, the actual results may differ from the forecast.

∎ Notation

L.C. Business	Loan and Credit Card Business
MUCG	MU Credit Guarantee Co., LTD.
yoy	year on year percentage point
ytd	year to date percentage point
(E)	estimates
EB、EASY BUY	EASY BUY Public Company Limited
ACF	ACOM CONSUMER FINANCE CORPORATION

The trend of requests for interest repayment is also highly uncertain, due to its sensitivity to changes in external environmental changes. The Group may have to make additional provision for loss on interest repayment.

Actual results may differ from forecast values due to various risk factors, not limited to those mentioned above.

• Reference

ACOM. CO., LTD.

Public & Investor Relations Office

[phone] [e-mail]

2

Contents

01 02

FY March 2023		FY March 2023
Financial Results	Supplemental
Summary		information
Business Environment	4	Loan and Credit Card	19
Consolidated Financial	5	Business
Guarantee Business	24
Summary
Dividend Status	7	Overseas Financial Business	28
Review of the FY March	8	Interest Repayment	32
Provision for Bad Debts	34
2023
Progress of Mid-Term	９	Financial Expenses	36
Management Plan
Annual Forecast	16
For the FY March 2024

Appendix

Market Volume	39
Annual Forecast	41
For the FY March 2024
Interest Repayment	42
Background to Borrowing	45
Behavior
Impact from COVID-19	46
Vision and Mid-term	47
Management Policy
Mid-term Management	49
Plan

3

Business Environment

Japan

Thailand

Philippines

• Japanese economy is heading toward recovery as social and economic activities gradually get back to normal.
• Due to tensions in international affairs and the global surge in raw materials prices, the impact on consumer spending associated with price hikes need to be closely monitored.
• In the nonbank business sector, signs of recovery in demand for funds are shown.
• Economy showed signs of recovery with an increase in consumer spending owing to the calming down of COVID-19 including the state of emergency declaration was lifted in October 2022.
• Future trends need to be closely monitored on an ongoing basis as inflation risks remains.
• GDP growth remained high as pent-up demand is generated by sufficient progress in deregulating economic activity
• Inflation hit a 14-year high due to price increases in food and energy.
• Need to be closely monitored as the expansion of consumer spending may slow down due to the progressing inflation.

4

Consolidated Financial Summary (Business Scale)

• The target is accomplished in all 3 core businesses owing to favorable trend in attracting new customers and the impact of the depreciation of yen against baht.
• Consolidated Receivables Outstanding increased by 4.9% yoy, 1.9% to ¥2,354.5 bn compared to the Estimate.

L.C.		Guarantee			Overseas
Business		Business			Financial
					Business
-5.3%			0.4%
2,235.1	2,244.9
193.7			192.7

1,170.0 1,173.0

862.8871.1

21/322/3

Others yoy

(Billions of yen)

4.9%

2,310.6 2,354.5

197.1 219.4

1,197.9 1,212.8

908.5 914.5 23/3(E) 23/3

Consolidated

Receivables

Outstanding

L.C. Business

Guarantee

Business

Overseas

Financial

Business

¥2,354.5bn

(yoy＋4.9%/compared to E +1.9%)

¥914.5bn

(yoy＋5.0%/compared to E +0.7%)

¥1,212.8bn

(yoy＋3.4%/compared to E +1.3%)

¥219.4bn

(yoy+13.8%/compared to E +11.4%)

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