Acom : From April to July 2023

As of July 31, 2023

ACOM CO., LTD.

The figures contained in this DATA BOOK 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 DATA BOOK. However, there are some potential risk factors in the Group's business management. In particular, the plans formulated by the Company rest on the assumption that the stagnant economic activities on the impact of the spread of COVID-19 will gradually recover. Therefore, the actual results may differ significantly based the converges of COVID-19 infection.

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.

1. Receivables Outstanding by Segment

															2024/3
				2023/3
							Apr			May			Jun			Jul			Aug			Sep			Mar(E)
						YOY %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %
Loan and Credit Card Business (Millions of yen)	914,533		5.0	921,925	5.6	0.8	932,863	6.0	2.0	937,306	6.5	2.5	938,839	7.0	2.7							954,600	4.4
	Loan Business	810,958		3.6	817,161	4.2	0.8	826,155	4.6	1.9	829,170	5.1	2.2	829,939	5.7	2.3							835,600	3.0
		Unsecured Loans	808,441		3.6	814,681	4.2	0.8	823,684	4.7	1.9	826,754	5.2	2.3	827,567	5.7	2.4							833,400	3.1
			Consumers	808,439		3.6	814,678	4.2	0.8	823,682	4.7	1.9	826,752	5.2	2.3	827,564	5.7	2.4							833,400	3.1
		Secured Loans	2,516		-15.3	2,479	-15.7	-1.5	2,471	-14.9	-1.8	2,416	-15.7	-4.0	2,372	-16.3	-5.7							2,200	-12.6
	Credit Card Business	103,575		17.7	104,764	18.3	1.1	106,707	18.6	3.0	108,136	18.7	4.4	108,900	18.8	5.1							119,000	14.9
Average Balance of Unsecured Loans for	502		-2.3	501	-2.5	-0.2	499	-3.1	-0.6	498	-3.1	-0.8	496	-3.3	-1.2							502	0.0
Consumers per Account (Thousands of yen)

2. Number of Customer Accounts

															2024/3
			2023/3
							Apr			May			Jun			Jul			Aug			Sep			Mar(E)
					YOY %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %	YTD %	YOY %
Loan Business	1,609,356		6.2		1,626,129	7.0	1.0	1,648,387	7.8	2.4	1,659,103	8.5	3.1	1,667,219	9.2	3.6							1,659,900	3.1
	Unsecured Loans	1,608,412		6.2		1,625,204	7.1	1.0	1,647,473	7.8	2.4	1,658,199	8.5	3.1	1,666,327	9.2	3.6							1,659,100	3.2
		Consumers	1,608,410		6.2		1,625,202	7.1	1.0	1,647,471	7.8	2.4	1,658,197	8.5	3.1	1,666,325	9.2	3.6							1,659,100	3.2
	Secured Loans	944		-15.7		925	-16.5	-2.0	914	-16.1	-3.2	904	-15.5	-4.2	892	-15.9	-5.5							800	-15.3
Credit Card Business	629,988		25.9		646,867	27.5	2.7	665,587	29.0	5.7	682,289	30.4	8.3	697,788	31.3	10.8							730,100	15.9

Notes 1: Loan business: Number of loan accounts with loans receivable. 2: Credit card business: Number of cardholders.

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3. Number of Applicants, New Loan Customers and Lending Ratio

											2024/3
	2023/3
			YOY %	Apr	YOY %	May	YOY %	Jun	YOY %	Jul		YOY %	Accumulated for	YOY %	Aug	YOY %	Sep	YOY %	Mar(E)	YOY %
								the Fiscal Year
Number of Applicants	775,649		39.8		86,753	56.8	89,636	48.6	80,803	47.8	75,452		40.6		332,644	48.5					-	-
Number of New Loan Customers	309,619		32.6		35,314	72.0	38,176	58.7	34,620	64.8	32,136		66.9		140,246	65.3					300,000	-3.1
Lending Ratio (%)	39.9		(-2.2)		40.7	(3.6)	42.6	(2.7)	42.8	(4.4)	42.6		(6.7)		42.2	(4.3)					-	-

Notes : 1. Lending Ratio of New Loan Customers above do not include numbers for tie-up cards.

• 2. Figures in brackets indicate year-on-year change in percentage points.

4. Number of Loan Business Outlets

								2024/3
	2023/3
		YOY	Apr	YTD	May	YTD	Jun	YTD	Jul	YTD	Aug	YTD	Sep	YTD	Mar(E)	YOY
Number of Loan Business Outlets	754	-80	747	-7	738	-16	732	-22	723	-31					675	-79
Staffed	1	-3	-	-1	-	-1	-	-1	-	-1					-	-
Unstaffed	753	-77	747	-6	738	-15	732	-21	723	-30					675	-78
Number of Automated Contract Machines	769	-83	762	-7	752	-17	746	-23	737	-32					690	-79

5. Employees

								2024/3
	2023/3
		YOY	Apr	YTD	May	YTD	Jun	YTD	Jul	YTD	Aug	YTD	Sep	YTD	Mar(E)	YOY
Number of Total Employees	2,180	-30	2,226	46	2,231	51	2,221	41	2,214		34				-	-
Permanent Employees	2,071	-40	2,113	42	2,115	44	2,106	35	2,103		32				2,059	-12
Temporary Employees	109	10	113	4	116	7	115	6	111		2				-	-

6. Number of Requests for Interest Repayment and Interest Repayment (Cash-out Basis)

																				（Millions of yen, %）
											2024/3
	2023/3
			YOY %	Apr	YOY %	May	YOY %	Jun	YOY %	Jul		YOY %	Accumulated for	YOY %	Aug	YOY %	Sep		YOY %
								the Fiscal Year
Number of Requests for	18,400		-10.2		1,400	-12.5	1,400	-17.6	1,300	-23.5	1,200		-20.0		5,300	-18.5
Interest Repayment
Interest Repayment (Cash-out Basis)	25,359		-1.7		2,130	-3.5	2,060	-13.3	2,112	-7.9	1,993		-2.9		8,296	-7.1

Note: Number of requests for interest repayment includes reaccepted requests.

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