2012年3月期 決算
2012年5月
May 2012
Code No. 8572
The Fiscal Year Ended March, 2012
アコム株式会社
ACOM CO., LTD.
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
実績推移と今期の予想（単体）
Trend in Actual Results and Estimates (Non-consolidated)
6. 主要損益
Income and Expenses
5
7. 部門別営業収益
Operating Revenue by Category
6
7-2. 営業収益の部門別構成比
Composition Ratio of Operating Revenue by Category
6
8. 営業費用
Operating Expenses
7
8-2. 営業収益営業費用率
Ratio of Operating Expenses to Operating Revenue
7
9. 期末残高
Receivables Outstanding
8
10. 利用者数
Number of Customer Accounts
8
11. ローン事業新客数
Number of New Loan Customers
9
12. ローン事業店舗数
Number of Loan Business Outlets
9
13. むじんくん
MUJINKUN
9
14. ＣＤ・ＡＴＭ
Cash Dispensers and ATMs
9
15. 社員数
Employees
9
16. 期中平均利回り
Average Loan Yield
10
17. 貸付金利別残高構成 [消費者向け無担保ローン]
Unsecured Accounts Receivable-operating Loans by Interest Rate [Unsecured Loans for Consumers]
10
18. 貸付金額別残高構成 [消費者向け無担保ローン]
Unsecured Accounts Receivable-operating Loans by Classified Receivable Outstanding [Unsecured Loans for Consumers]
10
19. 顧客年収別件数構成比 [消費者向け無担保ローン]
Composition Ratio of Customer Accounts by Annual Income [Unsecured Loans for Consumers]
11
20. 顧客年代別件数構成比 [消費者向け無担保ローン]
Composition Ratio of Customer Accounts by Age [Unsecured Loans for Consumers]
11
21. 顧客性別件数構成比 [消費者向け無担保ローン]
Composition Ratio of Customer Accounts by Gender [Unsecured Loans for Consumers]
11
22. 貸倒損失
Bad Debts Expenses
12
22-2. 無担保ローン貸倒損失理由別状況
Bad Debts Expenses of Unsecured Loans by Reasons
12
23. 不良債権の状況
Non-performing Loans
13
23-2. 3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]
13
24. 貸倒引当金
Allowance for Doubtful Accounts
13
25. 利息返還損失引当金
Provision for Loss on Interest Repayment
13
26. 資金調達
Funds Procurement
14
27. 包括信用購入あっせん事業
Credit Card Business
15
28. 信用保証事業
Guarantee Business
15
29. 財務指標
Financial Ratios
16
30. 1株当たり指標
Per Share Data
17
31. 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 Non-performing Loans
18
＜ 目 次 ＞
Contents
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. (注2) : 2. (注3) : 3. (注4) : 4. (注5) : 5.: 6. : 7. : 8. 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。 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。 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。 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。
Forward Looking Statements
The figures contained in this DATA BOOK with respect to ACOM's plans and strategies and other statements that are not historical facts are forward-looking 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 forward-looking 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 Interest-rate Restriction Law, the level of interest Interest-rates paid on the ACOM's debt and legal limits on interest Interest-rates charged by ACOM.
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.
The total amounts shown in the tables may not necessarily aggregate up with the sums of the individual amounts.
"(E)" indicates estimates.
"yoy p.p." indicates year on year percentage point.
"C.R." indicates composition ratio. ・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。 ・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。 ・増減率が1,000％を超える場合は「-」で表示。 ・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。 ・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。 ・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 results and "yoy" when these amounts, including those less than one million, are zero. ･ "0" is shown in results and "yoy" when these amounts exceed zero, but are less than one million. ･ "-" is shown in "yoy%" when percentage changes exceed 1,000%.
･ "-" is shown in "yoy%," "yoy," and the results when the figures were not disclosed in the past and/or are not currently disclosed.
･ "-" is shown in "yoy%," and "yoy" when the figures were not disclosed in the past, thus, cannot be compared.
･ Only "yoy" is shown when the results in two terms changed from positive to negative, or from negative to positive.
･ Only "yoy" is shown when both results in two terms are negative.
･ Only "yoy" is shown when the results in last term exceeded zero, and the results in current term are zero.
-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
【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) Equity-method Affiliate: 1 AFRESH CREDIT CO., LTD. 個別信用購入あっせん事業 Installment sales finance business
IR Loan Servicing, Inc. 債権管理回収事業 Loan servicing business
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 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.
(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。 : 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. アフレッシュクレジット株式会社
アイ・アール債権回収株式会社
100%
0%
Power Investments LLC
一般社団法人未来キャピタル General Incorporated Association Mirai Capital
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%)
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% (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。 60.31% 49% 100%
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
－ 100% 15% 【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 [Equity-method Affiliate] MU Communications Co., Ltd. ( 100%) パワーインベストメンツ合同会社 2-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）
( ) ( ) ( )
営業収益 Operating Revenue ( ) ( ) ( )
営業費用 Operating Expenses ( ) ( ) ( )
金融費用 Financial Expenses ( ) ( ) ( )
貸倒関連費用 Provision for Bad Debts ( ) ( ) ( )
利息返還損失引当金繰入額 Provision for Loss on Interest Repayment ( ) ( ) ( )
営業利益 Operating Income ( ) ( ) ( ) 営業外収益 Non-operating Income ( ) ( ) ( ) 営業外費用 Non-operating Expenses ( ) ( ) ( ) 経常利益 Ordinary Income ( ) ( ) ( ) 特別利益 Extraordinary Income ( ) ( ) ( ) 特別損失 Extraordinary Loss ( ) ( ) ( )
税金等調整前当期純利益 Income Before Income Taxes ( ) ( ) ( )
当期純利益 Net Income ( ) ( ) ( )
(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
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 -14.1 100.0 100.0
ローン事業 Loan Business -13.5 86.1 78.2
アコム ACOM CO., LTD. -10.2 -
DCキャッシュワン DC Cash One Ltd. -92.0 -
EASY BUY EASY BUY Public Company Limited -2.1 -
包括信用購入あっせん事業 Credit Card Business -15.4 1.4 1.3
アコム ACOM CO., LTD. -15.1 -
アフレッシュクレジット AFRESH CREDIT CO., LTD. -57.6 -
個別信用購入あっせん事業 Installment Sales Finance Business -19.8 1.5 0.4
EASY BUY EASY BUY Public Company Limited -58.7 -
アフレッシュクレジット AFRESH CREDIT CO., LTD. 5.6 -
信用保証事業 Guarantee Business 22.9 5.1 12.7
アコム ACOM CO., LTD. 71.0 -
債権管理回収事業 Loan Servicing Business -21.9 4.6 3.7
買取債権回収高 Collection from purchased receivable -22.1 -
その他事業 Others -95.5 0.0 0.1
その他金融サービス事業 Other Financial Businesses -92.2 0.0 0.1
銀行業 Banking Business 4.6 1.3 3.6 -37,700 -2011/3 2012/3 2013/3計画(E) 48,807 18,118 317.1
-Note: Operating revenue above are revenues from external customers in each reported segment as disclosed in Brief Statement of Financial Results, etc.
3.7 --1,450 --9.3 -30.4 -1,612 6,800 -(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 -361 314 3,547 4,193 18.2 1.7 -68.2 --13.8 2,500 -22,800 -66.6 -2,500 -64.7 11,023 88.7 33.0 -13.7 C.R. yoy % ACOM 0.6 34,600 10,415 12,475 -48,807 149,700 前期比 増減 yoy 12.7 9,781 - 3.7 23,800 16 19,036 構成比 186,900 23,800 37,200 2013/3計画(E) -800 10.9 -56.5 2.1 - 5.9 14.8 -1.4 0.9 -14.9 -85.4 91.5 326 -42,000 1.129 215,671 1,418 30,885 23,007 3,767 2,900 -618 -43.6 -1.194 33.7 35.9 -157,885 340 24,300 58.3 --251,046 150,830 - 1,610 --11,517 1.033 -614 -39 185,094 -31.0 --30.3 -190,849 -連・単倍率 -前期比 84 210,456 26,048 前期比 -11.8 率 yoy % ACOM Consolidated /Unconsolidated ratio 57.9 1.5 245,831 -32,964 増減 yoy 207,767 ACOM 前期比 増減 yoy 率 yoy % 連・単倍率 Consolidated /Unconsolidated ratio 1.211 1.248 率 yoy % 連・単倍率 Consolidated /Unconsolidated ratio -23,556 -11.2 173,837 7.1 -43,411 -55.6 -35,374 186,900 145,600 47,200 -14.4 -300 -194,649 -80.0 -41,300 100 800 48 -155 17,700 30.4 19.0 -18.9 -115,100 -33,970 -2,900 2,900 100.0 40,500 前期比 39,500 -11.2 39,600 44,400 2,900 1.4 322.9 -80.5 C.R. 1.029 2012/3 -82.1 -2,900 8.9 17.7 -21,526 147,883 146,200 - -16.6 -16.1 -18.2 123,400 -14.4 -35,374 -32,446 -yoy -32,895 210,456 169,409 率 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.
構成比 -11.8 -35.5 1,837 1,497 -1,499 -46.7 -1.4 340 -7,495 22,950 1.342 3.5 --7.0 --4 0 -917 500 前期比 20,853 224,112 増減 33,377 1,416 27,550 500 -15,323 1.025 245,831 278,795 5,810 -198,700 構成比 C.R. 2011/3 yoy % 16,740 240,041 219,620 19,357 1,063 2,809 815 3,949 -3,967 3,403 3,408 527 201,855 180,778 21,077 -35.3 -14.1 3,337 4 -13.8 -16.6 -15.9 14,295 88 97 -32.5 8,278 1,630 675 57.1 667.9 --11.8 1,417 16,079 2,574 構成比 1.011 -195,408 21,464 -70.6 53.2 -C.R. 100.0 --189,551 -561 --191,424 -1,465 608 -184,785 1,369 90 -183,506 -190,832 1,832 552 398,600 17,340 66,904 243,456 243,456 430,617 22,534 78,136 -199,638 -202,648 yoy % -205,069 -204,929 前期比 2010/3 1.218 -13.8 100 300 -68.2 500 -11.8 100 -44.9 yoy % -6 215,726 -187 -1,311 233,015 1,966 -503 448 -507 -24,145 34,725 -12.8 2,505 48,807 32,219 26,461 312 1.033 -1.183 12,844 12,273 -72.8 3,186 17 4,002 14,295 8,945 179,570 -9.1 --1,316 0.7 314 489 489 3.6 -16.2 22,461 22,461 -19.5 57.1 2.2 3.6 - 6,666 2.2 22,950 20.8 5,548 1,355 32.3 6,700 2.6 0.3 0.1 0.1 -53.4 -80.7 3
-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)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.
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 Receivables
アコム ACOM CO., LTD.
DCキャッシュワン DC Cash One Ltd.
5. 事業別利用者数 (連結)
Number of Customer Accounts by Segment (Consolidated)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 （件） Loan Servicing Business 銀行業 （件） Banking Business
(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 : 4. Loan Servicing Business: Number of accounts for purchased loans.
-9.6 -137,539 -8.0 1,424,300 -10.8 2,374,759 -11.5 2,135,224 -10.1 1,948,949 -8.7 1,712,560 -12.1 1,575,021 -103,819 -11.5 713,700 -6.2 903,707 -18.3 799,888 2012/3 2012/3 15,310 25,331 40.1 19.7 -31.7 yoy % 2008/3 前期比 yoy % yoy % 483,282 2013/3計画(E) 483,282 39,822 -2011/3 yoy % yoy % -14.8 前期比 -317,240 2009/3 2010/3 前期比 115,723 -28.4 -14.6 -3,157 9.0 -98.4 -58.7 -18.2 -7.5 317,240 -17.8 -68.6 -10.5 26,485 68 31,850 -10.8 -114,758 -104,838 --1,018 -17.1 -18.3 972,329 前期比 前期比 119.8 443,460 39.8 989 -39.3 119.2 20,005 28,628 43.1 - - - -前期比 2008/3 100,633 3.9 15.0 yoy % 120,639 13.8 144,351 58,688 39.8 17.9 39,822 318,124 14,785 4.9 --55.8 22,929 -6,454 -22.0 30,200 31.7 51,754 -56,711 -52.3 22,900 -28.9 74,683 -63,165 -45.8 53,100 -36 -275 88.4 --26.2 170,188 -64,930 -27.6 125,700 -26.1 170,224 -65,205 -27.7 125,700 60,858 7.7 925,800 9.3 -9.7 2,426,262 -78,911 -3.1 2,352,100 1,579,000 -139,769 -8.1 1,426,300 -3.1 前期比 -1,771 -3,143 -13 -13,104 -12,822 -281 -60.1 570,000 9.0 14.7 67,603 18,482 18,482 0 -14.2 8,499 -1.3 -39.3 847,262 -799,098 -1.5 -103,102 - --11.4 -35.6 -62.1 708 10,159 -4.2 -35.7 -7.9 1,718,769 -12.2 174.1 -9.1 -43.7 -26.8 443,460 -2,505,173 11,931 33,405 yoy % 1,957,854 762,657 374,532 --8.7 -51.6 12.5 373,513 1,019 188,922 143,523 45,399 293,636 -33.1 -44.1 -29.8 220,182 -9.9 24.8 -33.1 -1.5 580,134 2,689 74,736 -28.6 175.3 255,934 -25.6 145,446 2,153,232 796,305 582,823 177,379 159,260 154,404 227,587 -11.3 14.7 -26.2 -1.5 -26.3 -15.6 0.6 313,664 638,291 871,773 180,085 866,958 3,208,872 -6.6 2,390,496 4,814 3,126,916 -2.6 2,720,511 -13.0 1,171,893 1,103,969 1,272,592 1,173,545 -11.1 1,423,197 1,316,166 1,179,338 -11.0 1,106,655 66,889 -5.8 14.0 -21.5 20,923 -11.7 -11.1 -14.9 -14.5 -50.9 32,681 -71.4 -16.9 0.1 -10.7 14.5 -15.6 713,300 77,400 - --21.6 -14.5 32,446 32,228 218 -15.0 -14.9 21,639 -18.5 26,554 35,580 22,311 -29.9 9,207 243.6 2,899 30,219 1,631 3,000 -64.7 41.2 10,000 -1.6 1,000 1,318,781 -8.4 -9.3 -11.8 1,480,917 1,325,019 -11.6 74,735 10,138 30,638 32,656 38,126 37,682 443 42,795 49.7 -10.8 -8.3 -8.8 -10.6 868,700 791,100 946,860 867,491 -10.8 yoy % 2010/3 2011/3 2013/3計画(E) 前期比 前期比 yoy % 前期比 yoy % -15,600 -15.6 --56.6 15,600 48,000 15.6 4,000 81,161 1.9 78,138 3.7 -- - - -21,625 -18.3 - -17.9 570,000 --22.1 21,322 -29.4 68,621 2.6 902,200 - -235,118 -37.1 311 -69.5 786,404 3.1 235,429 -37.1 29,383 -35.3 137,848 -27.0 1,061,618 -16.6 前期比 yoy % 1,612,556 前期比 yoy % 2009/3 14 -79.3 20,078 - 18,081 -9.9 31.9 18.8 -24.9 -33.9 41,518 8,112 24.3 4,516 9.6 7,278 303,339 3.3 108,465 -24.4 4,001 - 4,119 2.9 61.2 15,694 8,416 115.6 - 4
-実績推移と今期の予想(単体) Trend in Actual Results and Estimates (Non-consolidated)
6. 主要損益 (アコム)
Income and Expenses (ACOM)
（単位：百万円/Millions of yen）
営業収益 Operating Revenue
営業貸付金利息 Interest on Operating Loans
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 Provision for Bad Debts
利息返還損失引当金繰入額 Provision for Loss on Interest Repayment
営業貸付金売却損 Loss on Sales of Accounts Receivable-operating Loans その他の営業費用 Other Operating Expenses
営業利益 Operating Income 営業外収益 Non-operating Income 営業外費用 Non-operating Expenses 経常利益 Ordinary Income 特別利益 Extraordinary Income 特別損失 Extraordinary Loss
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 税引前当期純利益 Income Before Income Taxes
法人税､住民税及び事業税 Income Taxes-current 過年度法人税等 Income Taxes for Prior Periods
法人税等調整額 Income Taxes-deferred 当期純利益 Net Income
--
-
--12,342
213,840
1,934
-58,362 11.9
243,456
87 -84.7
-28.6
1,323 85.4
6,495 -77.7
317.1
-4,696
232,620
-5
216,013
1,943
-14,663
-23
-239
-194,649
-33,929
-33,998
-247,770
777
-16.3
-19.6
-62.2
4.5
345.9
-91.2
-100.0
-85.4
-17.6
-105.5
-43.3
89.4
53.8
-
--
-39,600 43.7
40.6
2,900 15.8
500 -64.7
37,200
-50.4
2,900 -23.0
300 -3.8
34,600
--2.3
59,700 3.2
17,700
-
-44.7
-37,700
-13.9
116,000 -16.7
115,100 -23.7
149,700
65
6,632
20,853
100
39,500
-6,843
225,782
-7.1
1,416
3
0
27,550
-312
26,461
2,505
10,056
-173,837
139,211
150,830
18,118
57,855
23,007
3,767
48,807
100 -23.1
8,002 -35.7
-
1,954
--54.6
10,800 122.6
8 591.3
2,350
2,128
82,466 -10.5
5,689 -78.8
16,928 -49.5
238,215 -9.1
212,839 -10.7
232,526 -1.1
13.4
-1.6
130 -13.3
12,435 -21.7
-
-571 -97.4
29,493 -49.7
4,852 -82.5
1 -99.0
29,165 -64.6
5,180 30.4
-66.4
2,982 6.3
713 10.6
9,060
--0.7
92,113 -0.3
76,276 -24.3
52,157 165.8
26,896
33,518
-15,873
-99.1
-92.1
120 90.3
22,000
150
-58,601
48.8
27,690
100,760
92,369
645
-17.8
80,159
-2,804 -7.9
19,620 -90.2
317,116
292,860
236,956
前期比 yoy %-14.5 262,120
238,231
235,223
2013/3計画(E)
前期比 yoy % 前期比 yoy %2009/3
前期比 yoy % yoy %2012/3
82,319
-3,973
2010/3
前期比2008/3
-21.9
-17.3
-15,944
-14.6
-48.5
-5.8
172.5
75,058
14,675 16,639
2011/3
前期比 yoy %-8.0
-18.7
207,767 -12.8
173,209 -18.6
398,600 71.4
17,340 4.2
66,904 -10.9
70,198 -14.9
190,832
-1,832 -13.9
552 -58.3
189,551
-561 -76.1
16,079 48.9
27 228.9
4,696
205,069
-70 -30.0
204,929
210
--
-7,654 -
-
-
-
-
-
-606 -50.5
-
-
-
-
700
-26,048 -40,856
80.0
--61.1
-
-700 -
5
-実績推移と今期の予想 ( 単体 ) Trend in Actual Results and Estimates (Non-consolidated)
7. 部門別営業収益 (アコム)
Operating Revenue by Category (ACOM)
（単位：百万円/Millions of yen）
営業収益 Operating Revenue
営業貸付金利息 Interest on Operating Loans
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
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
償却債権回収益 Collection of Bad Debts Deducted
7-2. 営業収益の部門別構成比 (アコム)
Composition Ratio of Operating Revenue by Category (ACOM)
（単位：％）
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
6.0
12.6
-5.9
1.4
1.4
5.9
-10.4
0.5
15.1
-3.3
1.5
0.2
2.3
-3.0
1.6
3.6
100.0
90.9
1.6
4.5
100.0
92.3
100.0
77.5
100.0
89.3
100.0
80.1
100.0
83.4
7,625 10.7
8,826 15.8
22,600 3.1
-11.3
-
-9,000 -12.2
8,000
-9.1
2,100 -13.9
-10.7
-33,929
-33,998
2
2,454 1,700
-30.7
-
-2008/3
前期比 yoy %2009/3
前期比 yoy %262,120 -17.3 238,215
317,116 -14.5
287,645 -14.5
212,839
209,265
234,000 -18.6
12 -33.2
292,860 -14.6
287,657 -14.5
4.6
-17.3
5,043 -12.6
5,202
8 -33.4
238,231 -18.7
234,008 -18.7
-18.8
4,269 -15.3
5,977 1.2
654 -9.4
7,193 2.7
11,363
-15.4
7,724 7.4
6,885 15.2
-
-11,894 4.7
4,223
-10.6
209,258 -10.6
14,074 18.3
3,529 -17.3
6 -21.2
3,574
-
-7,772 0.6
-33,397
-33,396
173,837
139,211
136,757
136,754
242
21,931
2,440
-1
-601
-448
-16.4
-19.6
-19.6
-19.6
-13.9
116,000 -16.7
114,300 -16.4
1.1
9,017
-16.3 149,700
114,300
-31.7
-19.7
-15.5
-10,254
190
-13.6
2.2
-952
1,227
207,767 -12.8
173,209 -18.6
170,154 -18.7
170,150 -18.7
3 -42.6
3,055 -14.5
21,689 54.1
2,889 -18.2
4.3
952
-9,027 16.1
1.4
前期比 yoy %2010/3
前期比 yoy %2011/3
前期比 yoy %2013/3計画(E)
前期比 yoy %2008/3
2009/3
2010/3
2011/3
2012/3
2013/3計画(E)
2012/3
6
-実績推移と今期の予想 ( 単体 ) Trend in Actual Results and Estimates (Non-consolidated)
8. 営業費用 (アコム)
Operating Expenses (ACOM)（単位：百万円/Millions of yen）
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 Receivable-operating 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 Receivable-operating 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
8-2. 営業収益営業費用率 (アコム)
Ratio of Operating Expenses to Operating Revenue (ACOM)(単位：％)
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 Receivable-operating 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 Receivable-operating 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
25.2 27.6 0.1 -1.9 -900 -37,700 41,400 100 -2,900 2.8 11,500 7,300 -1.2 -4.1 31.4 44.7 -16.3 -88.0 -0.0 -0.6 0.0 0.0 1.8 2.0 0.3 -0.1 0.0 -31.5 40.1 1.3 -82,466 16,348 -70,198 -13.9 --2.2 -40,856 29.7 104,479 15.0 37,954 63,037 -34.0 1,199 --13,595 -36.9 -59,700 -3.2 --17.6 -65 -18.8 8,600 -1,237 16,800 7,000 -3,774 -27.4 -14.4 1.2 -9.0 1.4 63.9 -14.5 100 900 3,000 3.6 76.9 -20.0 4,200 300 yoy p.p. --9.9 前期比 -21.8 54.1 10.2 -0.9 -0.4 -- --0.6 -2012/3 -105.0 yoy p.p. 前期比 2,897 11,986 3,086 -1,138 250 -4,514 9,455 1,053 -895 -6 -274 61 10,350 1,327 -11.4 -27.0 68 -20.8 yoy % -14.9 --18.8 60,176 --1.9 --19.9 7,388 5,327 -71.4 -21,686 26,048 49,442 -2,540 57,855 -83,100 15.0 36.1 -27.0 -7.8 -16.0 4.1 yoy p.p. -39.5 前期比 0.6 -5.7 6.5 2010/3 4,032 97.6 7.0 4,115 245 -7.7 前期比 yoy % -2013/3計画(E) 前期比 -89.1 3.8 28.1 -4.8 0.2 -0.1 4.9 1.5 0.1 0.0 0.6 6.0 -2.4 -2.4 3.4 -0.1 3.1 -38.1 32.9 13.7 -8.9 6.6 -1.8 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 2006.
-2.7 -0.2 -9.4 -0.5 24.5 0.0 0.6 0.8 1.6 0.3 0.1 --72.9 -2,238 4.7 0.6 -0.5 -7.2 -0.3 -11.2 39.9 --61.1 11.8 -2.0 -21.6 --16.2 -20.7 -8.6 -10.2 -700 -12,342 --1.6 3.3 5.4 -11.9 -10.5 --23.7 115,100 -2.3 -17,700 -3.1 9.4 33.3 前期比 -5.2 -7.9 --48.5 -5.8 236,956 15,944 ％ -247,770 777 4.5 -62.2 yoy % 2013/3計画(E) 2012/3 2011/3 2008/3 2009/3 2010/3 yoy % 前期比 yoy -50.5 --21.9 -15.0 165.8 40.5 -17.8 -24.3 -92,113 23,901 -90.2 79.8 -2009/3 -3.9 -28.6 -9.9 -16.1 -100.0 -3.7 -10.6 -12.3 -0.7 -8.0 -17.2 -16.4 --24.3 3.7 12.5 --0.1 -12.6 -9.0 -7.2 -3.0 -47.8 9.1 3.3 -0.3 -1.0 0.0 0.0 0.6 -0.9 0.1 0.2 -1.2 2.4 -35.1 -0.1 -1.8 2.4 19.5 34.6 0.0 9.8 2.9 4.6 -0.5 21.9 -34.9 0.1 0.7 0.2 -0.4 1.8 -0.1 0.7 0.6 2.5 -0.4 9.7 92.7 12.2 9.5 -0.1 29.0 -0.8 --194,649 -10.1 -80.0 -47.8 86.8 -12.5 15.0 0.5 10.4 -5.7 0.1 5.4 6.9 4.3 -1.1 4.9 0.4 7.7 0.6 0.1 0.0 0.0 0.6 0.0 1.0 0.0 0.2 0.0 0.1 2.8 2.0 -0.2 0.3 0.1 0.0 0.0 5.0 -0.5 1.7 1.7 0.6 0.0 0.0 0.2 8.0 4.2 0.1 前期比 前期比 37.9 33.8 0.6 117.2 50.3 17,340 700 66,904 前期比 前期比 --10.9 4.2 13.4 --1.1 yoy % 398,600 -0.2 -3.5 1.4 -19.1 -15.8 -11.4 --2.5 -3.2 --12.4 13,074 -9.0 94 1,498 -14.6 -4,225 191.8 32.2 2011/3 yoy p.p. yoy p.p. -16.2 0.7 3,458 8.3 1.3 0.3 0.3 255 94.2 4.8 18,484 10,629 -11.0 23,366 6,926 -10.7 -24.0 3,071 20,123 8,626 5,261 16,500 243,456 78,800 -403 --62.1 832 -93,952 48,807 317.1 -1.0 --1.8 -10,527 -0.3 2.1 -17.2 -22,222 -5 -560 235,223 14,675 -76,276 58,362 97 1,753 4,364 -13.5 90,847 46,414 -78,900 -0.3 232,526 16,639 -75,058 95,484 3,131 -22,276 -1,281 0.1 1.8 5.5 -33.1 2.3 0.0 0.1 0.6 4.5 1.7 0.1 1.7 0.2 0.1 0.0 --1.5 28.5 7.8 -1.5 0.2 30.3 -9.8 -0.3 606 100,760 111,667 --10,726 -180 19,620 75,981 58,838 -115,200 7,654 92,369 23,053 9,717 12,387 19,516 15,579 1 2,001 4,725 92,451 8,271 -24,347 -100 52,157 86,203 57,354 -91,400 8,645 11,991 21,948 14,367 74.7 5.0 2008/3 380 5,007 0.4 -39.2 yoy p.p. -49.3 前期比 0.2 31.8 35.2 --3.4 -0.0 6.2 24.0 18.5 -36.3 2.4 29.1 7.3 3.1 3.9 6.1 1.6 89.7 5.6 -29.1 35.3 3.1 -9.3 -0.0 19.9 18,118 150,830 0.7 1.6 4.6 8.4 5.5 0.0 230 4,814 7
-実績推移と今期の予想 ( 単体 ) Trend in Actual Results and Estimates (Non-consolidated)
9. 期末残高 (アコム)
Receivables Outstanding (ACOM)
期末残高 (百万円) Receivables Outstanding (Millions of yen)
ローン事業 Loan Business 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 不動産カードローン Real Estate Card Loan 包括信用購入あっせん事業 Credit Card Business
１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 Receivables
10. 利用者数 (アコム)
Number of Customer Accounts (ACOM)
ローン事業 (件) Loan Business
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
包括信用購入あっせん事業 (人) Credit Card Business
(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.
817,580 -106,245 -11.5 -14.5 -3,143 18,482 2012/3 yoy 前期比 63 17.9 -1.0 866,958 -26.3 -37.6 10,032 -12.4 2,364,727 -11.5 2,364,664 -11.5 2,374,759 -11.5 yoy % 63.6 yoy % 1.3 181,795 317,240 2,135,224 -10.1 yoy % 前期比 -15.3 2008/3 1,356,464 -13.6 1,318,781 -11.8 前期比 yoy % 前期比 前期比 前期比 1,137,099 -15.6 26,485 25,056 46 34,747 32,228 -11.2 1,171,893 -11.1 -11.0 1,204,122 1,137,146 1,277,944 40,837 -11.6 1,277,879 -11.6 64 -29.5 37,683 -14.9 35,500 -15.2 540 -0.2 535 -0.9 29,974 29,036 --20.0 --16.4 -4,289 15,300 -19.4 1,074,933 -5.5 1,074,894 -5.5 878,778 -10.5 -10.5 779,954 -98,807 -11.2 -3,826 16,365 779,965 15,600 -19.3 17 -55.8 23,421 21,625 -18.3 11 20,192 -11.0 -27.7 -16.4 -16.4 38 -14.9 -10.8 -10.7 -98,813 -5 -698,000 728,900 yoy % 前期比 yoy % 2010/3 前期比 yoy % yoy % 2011/3 前期比 2009/3 2008/3 2009/3 2010/3 -14.5 -17.8 193,862 6.6 前期比 yoy % 2,126,348 -10.1 2,126,396 -10.1 48 -23.8 8,828 -12.0 580,134 -33.1 1,948,949 -8.7 1,941,333 -8.7 7,616 -13.7 1,941,301 -8.7 32 -33.3 373,513 -35.6 -4,800 1,419,500 902,200 -18.3 5,635 -914 -12.1 799,098 -103,102 19,132 -14.0 yoy % 前期比 2011/3 1,712,560 -12.1 1,705,994 6,549 1,130,455 -6.1 1,103,969 -5.8 -18.2 -15.6 235,118 -37.1 12 -5 -14.8 -26.1 -27.6 170,188 -64,930 125,700 -1,575,021 -137,539 1,569,386 -136,625 1,419,500 1,569,374 -9.6 -136,620 -9.6 17 -46.9 1,706,011 -12.1 -8.0 -8.0 -29.4 -14.0 -9.5 1,424,300 443,460 39.8 前期比 2013/3計画(E) 9.0 yoy % ％ 570,000 39,822 -19 483,282 -8.0 -3.7 2012/3 554 3.6 878,761 -18.2 923,826 -18.3 496 515 -7.0 491 2013/3計画(E) -33.5 -18.3 -19.0 -11.4 -11.2 -713,300 698,000
8
-実績推移と今期の予想 ( 単体 ) Trend in Actual Results and Estimates (Non-consolidated)
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 (人) Number 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
12. ローン事業店舗数 (アコム)
Number of Loan Business Outlets (ACOM)
ローン事業店舗数 (所) Number of Loan Business Outlets
有人店舗 Staffed
無人店舗 Unstaffed
13. むじんくん (アコム)
MUJINKUN (ACOM)
むじんくんコーナー数 (所) Number of MUJINKUN Outlets むじんくん台数 (台) Number of MUJINKUN Machines
14. 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 Tie-up
※その他提携チャネル Others
(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.
15. 社員数 (アコム)
Employees (ACOM)
合計 (人) Number of Total Employees 正社員 Permanent Employees 非正社員 Temporary Employees yoy % 152,257 5 23,858 11.7 前期比 yoy % 23,858 160,700 -34.6 175,859 160,700 -34.6 185,453 5.5 175,859 -34.6 1,689 2010/3 前期比 185,453 5.5 -13.3 yoy % 175,864 1,552 yoy -118 1,688 -132 92,063 2008/3 1,688 前期比 yoy -132 2008/3 185,453 5.5 128,399 -160,700 -13.3 -yoy -97.1 - -152,257 -13.3 -20.1 128,399 18.6 2008/3 前期比 yoy % 2009/3 前期比 yoy % 128,399 2013/3計画(E) 前期比 yoy % 2011/3 2012/3 23,858 前期比 18.6 -20.1 - -170,000 170,000 170,000 11.7 11.7 - -18.6 -152,257 前期比 2008/3 2009/3 2010/3 2012/3 前期比 前期比 前期比 前期比 2013/3計画(E) 45 yoy yoy yoy 1,353 -254 -73 39 1,044 -97 2013/3計画(E) % 5 -5 1,010 -8.8 -8.5 -1,049 前期比 前期比 前期比 2012/3 2010/3 前期比 2011/3 2013/3計画(E) 95,674 650 1,417 -253 yoy yoy 48,592 -2,001 50,593 yoy -45,081 118 -19 -123 137 -5 1,607 -82 39 -前期比
yoy yoy yoy yoy % yoy
前期比 2009/3 1,606 1,308 -181 1,489 -63 2010/3 前期比 1,005 -97 1,141 1,102 2012/3 -82 前期比 1,606 1,359 -247 -82 1,353 -253 5 1,061 5 1,044 -97 1,056 -92 -8.5 -8.0 1,049 -150 1,615 -17 90,243 4,311 8,537 73 -9.0 -3.9 -130 -47,490 -8,973 956 - -- -- --20.1 -212 -212 -206 -2011/3 2011/3 前期比 前期比 yoy 39 -6 yoy 1,141 1,148 -8.2 -211 -99 % -4.0 -8.2 -216 1,102 -5 yoy -1,902 -99 -1,107 -95 -253 1,201 -216 1,102 8,973 169 1,051 -203 -44,865 94,257 903 2009/3 前期比 前期比 yoy -231 95,024 2,961 1,670 2010/3 1,417 8,636 99 93,354 3,111 8,804 1,254 168 1,485 2011/3 4,290 1,820 -21 1,820 -21 1,670 -150 49,392 1,201 2012/3 2013/3計画(E) 前期比 前期比 前期比 前期比 前期比 前期比 2008/3 2009/3
yoy yoy yoy yoy yoy % yoy
3,187 -187 3,080 -107 2,842 -238 2,042 -800 1,947 -95 -4.7 -
-2,774 -182 2,636 -138 2,610 -26 1,876 -734 1,756 -120 -6.4 1,770 14 413 -5 444 31 232 -212 166 -66 191 25 15.1 -
-実績推移と今期の予想(単体) Trend in Actual Results and Estimates (Non-consolidated)
16. 期中平均利回り (アコム) Average Loan Yield (ACOM)
（単位：％）
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 Receivable-operating Loans by Interest Rate [Unsecured Loans for Consumers] (ACOM)
（単位：百万円/Millions of yen） 営業貸付金 20.000% ＜ 20.000% ＜ 18.000% ＜ ≦ 20.000% 18.000% ＜ ≦ 20.000% 15.000% ＜ ≦ 18.000% 15.000% ＜ ≦ 18.000% 12.000% ≦ ≦ 15.000% 12.000% ≦ ≦ 15.000% ＜ 12.000% ＜ 12.000%
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 Receivable-operating Loans by Classified Receivable Outstanding [Unsecured Loans for Consumers] (ACOM)
（単位：百万円/Millions of yen） 10万円以下 ≦ 100 10万円超 30万円以下 100 ＜ ≦ 300 30万円超 50万円以下 300 ＜ ≦ 500 50万円超 100万円以下 500 ＜ ≦ 1,000 100万円超 1,000 ＜ Total 残高ランク 1,569,374 878,761 合 計 10.6 313,528 35.7 163,502 779,954 100.0 Classified Receivable Outstanding (Thousands of yen) 100.0 1,941,301 100.0 1,277,879 100.0 -100.0 -100.0 - 698,000 1,137,099 1,074,894 100.0 10.4 100.0 1,705,994 100.0 11.1 394,108 36.7 2,364,664 100.0 2,126,348 100.0 180,324 24.1 168,300 11.8 158,040 33.9 271,346 -34.8 236,700 262,276 11.1 473,055 37.0 231,831 10.9 421,135 37.0 215,504 21.0 - -18.0 215,334 13.7 164,181 16.9 201,057 16.4 220,866 11.4 182,091 - 193,400 27.7 254,904 10.8 213,188 16.7 224,899 10.6 186,413 36.4 242,763 31.1 -40.9 303,584 34.5 571,701 43.0 382,376 35.6 698,377 87,400 12.5 43.4 473,805 37.1 906,115 42.6 417,322 36.7 835,561 89,370 11.5 - -1.8 23.8 102,547 9.5 428,735 25.1 91,336 10.4 416,789 26.6 1.6 - - 12,200 1.4 202,048 12.9 12,291 1.3 197,501 11.6 12,271 Outstanding C.R. (%) 1.2 319,612 15.0 13,790 1.2 207,736 10.7 13,769 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. (%) Number 構成比 Receivables 構成比 Number 構成比 Receivables 構成比 Number 構成比 Receivables 構成比 Number 構成比 Receivables 構成比 2008/3 2009/3 2010/3 2011/3 C.R. (%) Outstanding 461,634 8.0 443,891 20.9 98,438 8.7 of Accounts C.R. (%) 構成比 Receivables 構成比 構成比 Receivables of Accounts 456,702 1,027,038 構成比 19.3 102,108 C.R. (%) 363,744 15.4 15,721 口座数 残 高 口座数 Number Number 残 高 口座数 残 高 口座数 2012/3 2013/3計画(E) -0.7 44.4 35.3 16.0 275,013 - -残 高 口座数 残 高 口座数 残 高 口座数 残 高 口座数 残 高 Receivables C.R. (%) Outstanding 口座数 残 高 口座数 残 高
Number 構成比 Receivables Number 構成比
1.4 9,600 -構成比 of Accounts 100.0 -C.R. (%) 5.5 52,853 2.3 70,359 9.35 -8.27 10.23 -1.25 11.14 -0.02 11.63 11.16 -0.48 -0.47 19.08 -1.67 19.32 -1.73 20.75 21.05 21.05 15.66 -1.16 -1.20 -1.20 0.15 19.32 15.41 -0.25 -1.73 -0.68 15.09 17.18 -0.91 -0.32 18.41 17.18 -0.91 18.21 18.41 17.03 16.35 16.47 -1.18 -0.87 -1.23 15.76 -0.58 15.89 -0.59 15.89 -0.58 -0.71 -0.71 -1.23 11.24 16.47 11.58 -3.85 17.62 11.48 0.44 of Accounts C.R. (%) C.R. (%) of Accounts C.R. (%) 4.4 10,138 37,211 1.7 50,713 26,100 1.3 38,611 3.6 15,417 0.9 24,254 2.8 15,668 2.0 構成比 Outstanding yoy p.p. 2009/3 前期比 yoy p.p. 2008/3 前期比 yoy p.p. 2011/3 前期比 yoy p.p. 2010/3 前期比 2012/3 2013/3計画(E) 前期比 yoy p.p. 前期比 yoy p.p. 2008/3 2009/3 2010/3 2011/3 2013/3計画(E) 口座数 残 高 口座数 残 高 2012/3
構成比 Number 構成比 Receivables 構成比 Number 構成比 Receivables 構成比 Number 構成比 Receivables
C.R. (%)
of Accounts C.R. (%) Outstanding C.R. (%) Outstanding
Accounts Receivable-operating Loans 2,364,664 100.0 1,277,879 100.0 2,126,348 100.0 1,137,099 100.0 1,941,301 1,074,894 100.0 1,705,994 100.0 1,569,374 100.0 779,954 100.0 - - 698,000
511,330 45.0 1,537,246 65.0 716,157 56.1 1,089,773 51.3 - 55,100 7.9 432,639 18.3 208,603 16.3 650,794 30.6 268,823 23.6 804,064 41.4 326,530 30.4 42.0 - - 309,800 169,152 7.1 226,710 17.7 188,539 8.9 254,376 22.4 201,120 10.4 283,689 26.4 217,635 12.8 266,420 30.3 277,000 39.7 172,774 7.3 56,048 4.4 160,031 7.5 51,856 4.6 145,254 7.5 47,548 4.4 138,108 8.1 48,689 5.6 121,448 7.7 46,285 - - 46,500 6.6 59.3 251,487 931,125 333,319 37.9 912,859 53.5 327,811 421,975 24.7 206,077 764,763 39.4 378,513 35.2 100.0 16.3 115,174 14.8 23.4 878,761
実質年率 Effective Annual Interest Rate
Number C.R. (%) Outstanding C.R. (%) of Accounts C.R. (%) of Accounts 100.0 5.9 6.38 -0.10 C.R. (%) 構成比 Receivables 構成比 Outstanding 255,176 10
-実績推移と今期の予想(単体) Trend in Actual Results and Estimates (Non-consolidated)
19. 顧客年収別件数構成比 [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、％） 200万円以下 ≦ 2 200万円超 500万円以下 2 ＜ ≦ 5 500万円超 700万円以下 5 ＜ ≦ 7 700万円超 1,000万円以下 7 ＜ ≦ 10 1,000万円超 10 ＜
20. 顧客年代別件数構成比 [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：％） ～ Under 29 ～ Age 30 - 39 ～ Age 40 - 49 ～ Age 50 - 59 Over 60
21. 顧客性別件数構成比 [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)（単位：％） 男 性 女 性 39才 49才 59才 29才 30 49.7 21.5
Annual Income (Millions of yen)
新規 23.4 1.4 100.0 Total 40 50 合 計 60才以上 Male Female 新規 New Accounts Total 合 計 年収ランク 3.8 既存 償却 14.1 28.2 27.7 100.0 12.2 20.0 28.0 17.2 4.2 0.9 100.0 New Accounts New Accounts Write-offs
Account Existing Accounts
283
179
1.7
100.0
44.4 17.1
New Accounts Existing Accounts
43.2 18.0
21.3
22.7
New Accounts Existing Accounts Write-offs Account 2011/3 新規 既存 償却 2010/3 26.5 69.1 100.0 65.2 2.6 9.4 17.3 11.3 27.2 25.0 29.9 29.5 26.9 70.9 29.1 73.5 26.5 70.0 73.5 30.9 27.9 25.8 26.5 28.2 27.2 22.9 71.8 74.2 70.1 新規 既存 Write-offs Account 100.0 73.5 22.7 10.1 13.3 1.6 4.4 6.3 1.1 9.9 4.4 214 244 Initial Average Lending Amount Initial Average Lending Amount Initial Average Lending Amount Initial Average Lending Amount 138 182 21.8 63.0 22.1 57.3 13.1 6.1 2008/3 2009/3 新規 初回 貸付単価 既存
New Accounts Existing Accounts
既存 Existing Accounts 初回 貸付単価 20.8 22.0 63.6 56.8 2010/3 新規 初回 貸付単価 既存
New Accounts Existing Accounts
63.1 55.6 165 9.0 13.4 4.0 6.6 208 240 100.0 279 165 1.0 2011/3 新規 初回 貸付単価 既存
New Accounts Existing Accounts
21.9 23.2 66.1 55.9 113 158 7.8 12.9 3.3 6.3 209 245 0.9 1.7 100.0 100.0 302 156 2012/3 新規 初回 貸付単価 既存
New Accounts Existing Accounts
Initial Average Lending Amount 25.1 23.3 111 6.5 12.5 153 201 1.6 237 273 56.7 100.0 135 173 213 245 290 174 125 5.9 0.6 148 新規
New Accounts Existing Accounts
既存 償却 Write-offs Account 2008/3 2009/3 100.0 100.0 18.8 28.8 22.1 19.2 11.1 100.0 22.6 16.7 12.5 23.8 12.0 19.1 20.4 22.6 12.1 14.0 100.0 100.0 100.0 2010/3 新規 既存 償却
New Accounts Existing Accounts Write-offs Account 45.2 17.2 13.1 27.0 27.7 16.5 23.7 24.4 22.7 4.4 12.6 15.2 11.2 18.8 20.3 100.0 100.0 100.0 2011/3 新規 既存 償却 15.2 24.0 25.2 9.7 18.4 20.7 3.9 13.1 17.8 100.0 100.0 100.0 2012/3 新規 既存 償却
Existing Accounts Write-offs Account 49.2 18.2 12.7 26.4 23.2 15.9 24.4 24.8 17.9 20.3 4.2 13.1 19.0 100.0 100.0 100.0 償却 30.0 2008/3 2009/3 新規 既存 償却
New Accounts Existing Accounts Write-offs
Account New Accounts Existing Accounts
Write-offs Account
70.5 73.1 72.1
既存 償却
New Accounts Existing Accounts Write-offs Account 新規 2012/3 新規 既存 償却 27.8 Write-offs Account 72.8 74.0 72.2 26.0
New Accounts Existing Accounts
-実績推移と今期の予想(単体) Trend in Actual Results and Estimates (Non-consolidated)
22. 貸倒損失 (アコム)
Bad Debts Expenses (ACOM)貸倒損失 (百万円) Bad Debts Expenses (Millions of yen) ローン事業 Loan Business
無担保ローン Unsecured Loans 貸倒損失 Bad Debts Expenses 利息返還請求に伴う債権放棄
有担保ローン Secured Loans 包括信用購入あっせん事業 Credit Card Business 信用保証事業 Guarantee Business
＜参考＞ <Reference>
[貸倒損失率] [Ratio of Bad Debts Expenses] ローン事業 (%) Loan Business (%)
無担保ローン Unsecured Loans 貸倒損失 Bad Debts Expenses 利息返還請求に伴う債権放棄
有担保ローン Secured Loans 包括信用購入あっせん事業 Credit Card Business 信用保証事業 Guarantee Business
(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 ) 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 Receivables plus Payments in Subrogation plus Claims Provable in Bankruptcy, Claims Provable in
Rehabilitation and Other )
(注2)貸倒損失率の前期比欄には( )書きで増減数を表示 : 2. Figures in brackets indicate year-on-year change in percentage points.
22-2. 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)【金額ベース】 [Based on Receivables Outstanding] 貸倒損失 (百万円) Amount of Bad Debts Expenses (Millions of yen)
自己破産 Personal Bankruptcy 行方不明 Failure to Locate Borrowers
支払不能等 Borrowers' Inability of Making Repayments, etc. 債権放棄 ACOM's Voluntary Waiver of Repayments
利息返還請求に伴う債権放棄 35,689 62.0 43.7 691 0.5 5.51 6.84 -18.7 29.7 66,654 78,381 15.2 96,372 57.1 4.86 (0.72) 4.57 9.43 573 1,990 -100.0 3,437 445 4.7 0.6 37.6 37,954
Waiver of Repayments accompanied with Interest Repayments
Waiver of Repayments accompanied with Interest Repayments (-1.98) -4.60 (1.71) 5.04 (0.44) (-0.94) -7.53 (1.76) 6.88 (-0.65) 58,838 40.5 502 --15 -34.7 -288 -758 -1.1 -2.6 -12,739 -22,222 37,954
Waiver of Repayments accompanied with Interest Repayments 27,722 42,038 60,176 -53,624 41.9 66,604 49.0 73,644 34,876 32.1 542 0.5 7,180 5.6 59,278 -108,605 100.0 5,807 5.4 2.40 8.32 (-2.44) 58,838 - 57,354 - 46,414 -67,379 -- 7.14 11,800 49,900 -27.6 7.06 1,300 2.01 (-0.23) C.R. (%) 2012/3 金額 構成比 C.R. (%) 構成比 2.24 (-0.16) 52.0 8,912 6.6 940 0.7 69,915 45.1 68,638 44.2 14,946 9.6 1,710 1.1 12.35 (-2.09) 155,211 100.0 135,736 100.0 128,151 100.0 (-0.73) (2.53) 2.95 (-0.67) 10.76 (-1.93) 12.23 (-2.29) 3.20 (0.25) -- -- -(-2.92) 4.92 (0.95) 11.62 (-0.17) 11.92 (-0.21) 1.98 11.79 (0.67) (3.37) 12.12 (0.45) 520 0.4 515 -7.0 (-2.22) -3.7 9.28 (-2.84) 11.67 (0.05) 5.5 496 -19 505 1.7 11,185 187 9,150 -32.2 500 -12.7 63,500 -27.3 50,400 -32.1 - --29.1 -32.2 -32.2 -33.5 -26.3 -36.9 74,217 -35,249 73,644 -34,961 -5.6 812 16.4 3,752 -5.0 128,151 46,414 -19.1 4.3 81,737 136,434 -12.4 3,952 135,736 -12.5 698 28.4 -18.1 57,354 -2.5 2012/3 87,397 -35,817 4,825 23.7 544 3.9 17.0 155,211 -12.1 前期比 yoy ％ yoy % 2011/3 123,214 -13.2 2010/3 170,506 22.7 141,898 109,467 155,755 23.6 128,964 -5.5 -5.3 149,805 -15.1 108,605 -15.3 2,748 -26.8 861 6.0 60,176 -40.8 48,429 構成比 2011/3 (0.44) 3.62 (0.87) (-0.01) (0.77) 2010/3 (1.91) (-1.78) 3.2 4.6 (-0.54) (-0.38) 11.91 2.75 14.14 2.76 4.31 7.60 9,390 2013/3計画(E) 前期比 yoy % 前期比 yoy % 前期比 yoy % 10,997 20.2 2008/3 2009/3 C.R. (%) 金額 26.7 4.54 12.13 1.31 12.77 9,499 前期比 yoy % C.R. (%) 金額 (-0.36) 12.69 (-1.45) 518 前期比 金額 金額 2008/3 2009/3 構成比 (3.46) (0.24) (3.48) C.R. (%) 構成比 １口座当たり償却単価 [無担保ローン(千円)] １口座当たり既存顧客単価 [無担保ローン(千円)] 480 9.6
Average Balance of Unsecured Loans for Consumers per Account (Thousands of yen)
Average Amount of Bad Debts Expenses per Account for Unsecured Loans (Thousands of yen)
540 -0.2 535 -0.9 554 3.6
-2.9 -
-491 -1.0
-実績推移と今期の予想 ( 単体 ) Trend in Actual Results and Estimates (Non-consolidated)
23. 不良債権の状況(アコム)
Non-performing Loans (ACOM)（単位：百万円/Millions of yen）
不良債権合計 Total Amount of Non-performing 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。
23-2. 3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)（単位：百万円/Millions of yen）
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
24. 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 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
(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 Receivable-operating Loans at term-end plus Installment Receivables (excluding deferred Income on installment sales finance)
25. 利息返還損失引当金(アコム)
Provision for Loss on Interest Repayment (ACOM)期首引当金残高 (百万円)
取崩額 Reversal of Provision
利息返還金 Interest Repayment
貸倒損失（債権放棄） Bad Debts Expenses (ACOM's Voluntary Waiver of Repayments)
繰入額 Additional Provision
期末引当金残高
引当金増減額 Increase or Decrease in Provision
8,770 -50.3 6.0 26,730 -5.8 1,200 -2012/3 18,313 -48.1 16,181 2013/3計画(E) - --2,900 200,200 -6,230 -29.0 -2,540 - -900 -83,100 -29.3 -78,900 - 78,800 - --115,200 - 91,400 -374,800 -23.5 283,400 -24.4 前期比 yoy % 2010/3 2011/3 前期比 yoy % 前期比 yoy % 前期比 yoy % 204,500 -27.8 283,300 38.5 1,924 0.15 2012/3 2008/3 2009/3 2010/3 2011/3 2008/3 2009/3 2008/3 2009/3 7,388 0.63 12,106 0.92 9,499 0.81 0.08
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, 2006.
116,132 9.89 3,409 0.29 344 0.03 1,030 74,326 2013/3計画(E) 2012/3 11,610 1.45 3,940 0.49 7,669 0.96 2012/3 0.18 118 0.01 727 42,006 5.25 9.29 1,432 30,159 3.77 124,767 1,695 9.44 4,824 0.37 557 0.04 0.13 75,690 5.73 727 0.06 43,524 3.29 0.09 38,945 3.32 1,486 0.13 72,841 6.21 935 109,134 9.87 2,767 0.25 5.52 281 0.03 941 0.09 61,060 1,443 0.13 43,863 3.97 5,921 0.66 7,603 0.58 108,500 -10.3 14,433 1.31 7,014 0.63 16,888 1.44 19,709 1.49 84,000 -22.6 6.98 -7,419 0.67 48,657 -10.3 5.46 --26.6 8.00 -32,555 44,436 -9.2 58,843 -9.7 12,500 -3,490 -4.9 44,347 -8.9 24,500 -40,759 -8.3 38,733 -34.2 180 -144.0 --7.0 5.25 22,300 -22,206 -16.9 21,700 -29,178 -34.5 5.04 -38,300 41,200 -末残比 % 5,300 -14.9 - -- -末残比 % % 98,377 10.89 319 0.04 678 0.08 0.09 44,470 4.92 2011/3 14,312 1.58 2010/3 62,900 1.9 8,390 0.93 2011/3 2010/3 -26.5 61,700 前期比
Provision at the End of Respective Period
35,315 8.5 32,585 11.7 500 -28,374 yoy % 6.81 -28.4 -26.7 100 -3,390 8,270 4,880 前期比 yoy % 前期比 yoy % yoy % 前期比 yoy % 前期比 yoy % 前期比 yoy % % 末残比 % 末残比 % 末残比 5.53 1,649 0.18 848 0.09 867 0.10 末残比 % 末残比 2,282 0.25 174 0.02 1,055 0.10 49,976 末残比 % 末残比 % 末残比 % 58,838 40.5 57,354 前期比 前期比 yoy % -2.9 2008/3 2009/3 29.7 37,954 --2.5 46,414 -19.1 60,176 58,362 11.9 243,456 317.1 19,620 - 52,157 165.8 131,907 -19.9 Provision at the Beginning of Respective Period (Millions of yen) 490,000 - 374,800 -23.5 283,400 -24.4
-80.0 -36.9 93,952 -10.1 48,807 204,500 -27.8 283,300 38.5 90,847 5.4 104,479 15.0 75,981 79.8 86,203 13.5 137,262 -4.4 164,656 20.0 134,820 60.2 143,557 6.5 - --29.3 -- -200,200 13
-実績推移と今期の予想 ( 単体 ) Trend in Actual Results and Estimates (Non-consolidated)
26. 資金調達(アコム)
Funds Procurement (ACOM)
（単位：百万円/Millions of yen）
借入金残高 Borrowings
間接 Indirect 都市銀行等 City Banks, etc. 地方銀行 Regional Banks 信託銀行 Trust Banks 外国銀行 Foreign Banks 生命保険会社 Life Insurance Companies 損害保険会社 Non-life Insurance Companies その他 Others
直接 Direct 普通社債 Straight Bonds
債権流動化 Asset Based Lending 長期借入金 Long-term Loans Payable 固定金利借入 Fixed
金利スワップ(想定元本) Interest Rate Swaps (Notional)
期中平均調達金利 (%)
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 Long-term 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 Long-term 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 Long-term Credit Banks" is listed under "City Banks,etc." from the second quarter for the fiscal year ended March 2009.
(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".
Average Interest Rate on Funds Procured During the Year (%)
-774,407 100.0 717,872 92.7 228,987 32,792 6.0 2012/3 100 50,737 233,628 200,836 26.2 0.3 4.9 643,652 100.0 C.R.(%) 構成比 C.R.(%) 構成比 774,407 100.0 680,734 100.0 705,387 100.0 17,271 2.2 514,407 66.4 176,945 22.8 7,500 1.0 260,000 33.6 95,909 12.4 11,144 1.4 1.93 1.94 2.11 1.64 1.72 1.95 -445,734 65.5 149,541 22.0 18,222 2.7 2.30 2.02 -107,024 612,400 29.6 680,734 14.9 260,000 33.6 115,400 0.9 76,510 11.2 9,072 1.3 15.7 6,000 100.0 235,000 34.5 235,000 34.5 90.0 189,485 27.8 2.04 2.01 1.79 2.30 2.04 1.84 2.10 2.31 -14,743 2.1 463,887 65.8 162,578 23.0 5,000 0.7 62,820 8.9 8,088 1.1 102,901 14.6 241,500 34.2 221,500 31.4 2.8 20,000 705,387 100.0 630,422 89.4 238,764 33.8 2.28 1.74 2.07 2.30 2.41 2.28 -611,827 1.87 -611,827 378,198 12,088 160,528 1,600 30,286 1.92 2.12 2.27 2.92 552,612 257,487 2.85 2.85 2.73 2.94 1.45 5.4 100.0 61.8 2.0 0.0 8.3 38.2 32.8 -100.0 90.3 42.1 568,500 -7.1 355,700 -5.9 - -- -- -- -212,800 -8.9 - -- -568,500 -7.1 - 3.10 -- -- -- -- -- -100.0 62.6 - -- -- -100.0 -37.4 -11,540 1.8 7,000 1.1 40,497 6.3 2,088 0.3 402,561 62.5 156,528 24.3 202,840 31.5 38,250 85,647 13.3 241,090 37.5 643,652 100.0 558,762 86.8 239,069 37.1 2.57 1.87 2.57 1.98 2.64 1.50 2.31 2.66 -構成比 C.R.(%) 構成比 C.R.(%) 2008/3 2009/3 2013/3計画(E) C.R.(%) 前期比 yoy % 構成比 C.R.(%) 構成比 2010/3 2011/3 90,238 11.7 79,365 11.7 107,757 15.3 99,261 15.4 122,859 20.1 23.8 - - -2.6 前期比 yoy % -4.9 -6.1 4.7 -77.1 -25.2 -14.3 -95.2 -40.8 -3.1 -1.0 -4.9 -1.1 7.7
14
-実績推移と今期の予想 ( 単体 ) Trend in Actual Results and Estimates (Non-consolidated)
27. 包括信用購入あっせん事業 (アコム)
Credit Card Business (ACOM)
（単位：百万円/Millions of yen）
有効会員数 (人) Number of Cardholders
提携カード Tie-up Card
残有会員数 (人) Number of Accounts with Shopping Receivables 割賦売掛金残高 Card Shopping Receivables
リボルビング残高 Revolving Receivables
営業収益 Revenue from Credit Card Business
カード発行機台数 (台) Number of Card Issuance Machines
むじんくんコーナー MUJINKUN
店舗内 Loan Business Outlets
28. 信用保証事業 (アコム)
Guarantee Business (ACOM)
（単位：百万円/Millions of yen）
利用件数 (件) Number of Accounts with Outstanding Balance
利用残高 Guaranteed Receivables
営業収益 Revenue from Credit Guarantee 保証提携先 (行) Tie-up 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 : Number of Tie-up Partners in Guarantee Business before FY March 2009 Includes DC Cash One.
