FY March 2024: 1Q Presentation Material(1078KB)

Earnings Release Presentation

The First Quarter Financial Results for the Fiscal Year Ending March 2024

July 28, 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]

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Business Environment

Japan

Thailand

Philippines

• Japanese socio-economic activities are returning to normal, resulting in economic conditions showing signs of gradual recovery.
• There are risks that could push down the Japanese economy, such as price hikes due to growing tension in the international situation and soaring resource prices on a global scale, as well as concerns over increased financial instability due to prolonged global monetary tightening.
• In the nonbank business sector, the demand for funds shows a sign of steady recovery.
• Economic conditions showed signs of stable progress as the economic growth rate

in 1Q was higher compared to the previous fiscal year, due to strong consumer spending.

• Future trends need to be closely monitored on an ongoing basis as political unrest associated with the change of government remains.
• GDP growth remained high as deregulating economic activity has been sufficiently progressed.
• The economy is returning to the trend of high growth seen before the spread of COVID-19.

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Consolidated Financial Summary (Business Scale)

• Consolidated Receivables Outstanding increased by 5.3% yoy to ¥2,397.9 biliion owing to favorable trend in borrowings by new and existing customers in domestic business and the impact of the depreciation of yen against baht.

L.C. Business

0.4%

2,244.9

192.7

1,173.0

871.1

Guarantee Business

4.9%

2,354.5

219.4

1,212.8

914.5

Overseas Financial Business

4.1%

2,450.3

219.6

1,268.8

954.6

Others

1.8%

2,276.6

207.3

1,181.4

879.9

(Billions of yen)

yoy 5.3%

2,397.9

225.9

1,226.8

937.3

Consolidated

Receivables

Outstanding

L.C. Business

Guarantee

Business

Overseas

Financial

¥2,397.9bn

(yoy＋5.3%)

¥937.3bn

(yoy＋6.5%)

¥1,226.8bn

(yoy＋3.8%)

¥225.9bn

22/3

23/3

24/3(E)

22/6

23/6

Business

(yoy+9.0%)

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Consolidated Financial Summary (Business Performance)

2022/6	2023/6	2024/3
Results	Results	yoy	Forecast yoy

(Millions of yen、%)

Progress

1	Operating Revenue	66,514	70,926	6.6	284,300	3.8	24.9
2	Loan and Credit Card Business	36,035	37,750	4.8	151,800	4.6	24.9
3	Guarantee Business	15,956	16,976	6.4	70,200	5.9	24.2
4	Overseas Financial Business	13,006	14,689	12.9	56,900	0.6	25.8
5	Operating Expenses	41,120	48,998	19.2	193,900	4.0	25.3
6	Financial Expenses	1,025	1,036	1.2	4,700	17.1	22.1
7	Provision for Bad Debts	16,655	22,711	36.4	84,600	5.1	26.8
8	Provision for Loss on Interest Repayment	-	-	-	-	-	-
9	Other Operating Expenses	23,439	25,250	7.7	104,600	2.6	24.1
10	Operating Profit	25,394	21,927	-13.7	90,400	3.6	24.3
11	Ordinary Profit	25,387	22,082	-13.0	90,600	3.6	24.4
12	Profit Before Income Taxes	25,340	22,038	-13.0	90,400	6.6	24.4
13	Profit	18,042	15,050	-16.6	62,400	4.9	24.1
14	Profit Attributable to Owners of Parent	16,594	13,776	-17.0	57,900	5.4	23.8

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