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About the Company

About Business Performance

About Earnings and Financial Performance

About Shares

About the Company

When was the Company established?

ACOM CO., LTD. was established in Nihonbashi, Chuo-ku, Tokyo in 1978 to provide consumer finance services tailored to the needs of customers. Please click here for ACOM history.

What is the background to ACOM?

ACOM was originally founded on April 2, 1936 under the name "Maruito Gofuku Ten". The company switched from drapery goods to pawn broking and then to "salaryman financing," providing credit to company employees. ACOM CO., LTD. was established on October 23, 1978. Please click here for more information.

What are ACOM's management philosophy and principles?

See the Management Philosophy and Management Vision page.

What does the name ACOM represent?

The letters ACOM in the company name stand for Affection, Confidence and Moderation.

About Business Performance

Please provide an overview of the ACOM Group.

ACOM is a consolidated subsidiary of the Mitsubishi UFJ Financial Group (MUFG). Thus MUFG is our parent company.

The ACOM Group consists of ACOM, an affiliate and 6 subsidiaries. The ACOM Group supplies a range of financial services such as loan business, credit card business, guarantee business, loan servicing business, and overseas finance business.

Please click here for more information.

How many loan card members are there?

As of December 31, 2016, ACOM is administering 1,431 thousand loans, of which 1,428 thousands are unsecured consumer loans, our flagship product.

What credit guarantees does ACOM provide?

Credit guarantees are provided in conjunction with financial institutions (usually banks). They are used by loan providers to guarantee loans taken out by customers. Credit guarantees are generally funded by fixed-rate warranty fees or commissions applied to the remaining balance.

As of December 31, 2016, ACOM Group maintains credit guarantees with a combined balance of ¥1,088.6 billion in alliance partnership with 29 financial institutions at ACOM and 22 financial institutions at MU Credit Guarantee.

What are ACOM's overseas operations?

ACOM currently has operations in Thailand and Indonesia.

In Thailand, ACOM Group oparates as EASY BUY Public Company Limited, a provider of unsecured loans which has quickly grown into a leading brand in the non-bank market with the largest share of the domestic market.
In Indonesia, ACOM Group oparates as PT. Bank Nusantara Parahyangan, Tbk., providing small business financing and a range of other banking services.

ACOM also has a representative office in Ho Chi Minh City. This office is currently conducting preliminary research with a view to launching operations in the retail financing market.

About Earnings and Financial Performance

When is the next earnings release planned?

Please click here for IR Calendar.

How can I obtain the most recent earnings report?

See the Performance Highlights page.

Which documents describe the ACOM's business performance?

Several different documents are available, depending on the type of information sought.

Securities Report Required documents under the Financial Instruments and Exchange Act
Financial Report Disclosure materials required by Tokyo Stock Exchange
Annual Reports Information for investors
Presentations Graphs, tables and other materials from earnings briefing sessions
Data Book Detailed quarterly earnings data
Monthly Report Monthly loan balances, accounts and new customer figures

What is the outstanding loans balance?

As of December 31, 2016, the total outstanding loans balance is ¥780.0 billion, of which unsecured consumer loans, our flagship product, account for ¥772.4 billion.

Please click here for more information.

What is the NPL?

As of December 31, 2016, ACOM has ¥55.9 billion in non-performing loans, for the ratio of 7.16%.

What is the equity ratio?

As of December 31, 2016, the equity ratio for ACOM is 34.0% on a non-consolidated basis, and 30.7% on a consolidated basis.
The ratios above will be 17.1% and 15.9%, respectively, when guaranteed receivables is integrated into total assets.

What is the company rating?

Refer to the Bonds and Ratings page.

Which accounting standard does ACOM adopt?

The company's financial statements are prepared in accordance with generally accepted accounting practices in Japan (J-GAAP).

About Shares

When was the company listed on the stock exchange?

ACOM stock was registered as an over-the-counter security with the Japan Securities Dealers Association in October 1993. It was listed on the Second Section of the Tokyo Stock Exchange in December 1994, and subsequently designated as a First Section stock in September 1996.

Which stock exchange is ACOM listed on?

ACOM is listed on the First Section of the Tokyo Stock Exchange.

What is the Ticker symbol?

8572 is the Ticker symbol.

What is the number of shares that constitute one trading unit?

One hundred shares constitute one trading unit.

When is the annual general meeting of shareholders held?

The AGM is held by the last day of June.

What are the anticipated dividends this year?

We decided to make no year-end dividend for the fiscal year ended March 2016 because our first priority is to improve equity capital levels to promote future growth through improved management stability and financial security.

With regard to the fiscal year ending March 2017, we plan to make no dividend payment for the second quarter and are undecided for the fourth quarter.

What is the ACOM's policy on returns to shareholders?

We are committed to consistent and ongoing redistribution of profits, subject of course to business performance, equity capital levels and the state of the company finances.

We will immediately resume dividend payments once we are certain that the risk associated with additional provision for loss on interest repayment is eliminated and the outstanding loan balance shows signs of genuine recovery.

What is the breakdown of shareholders? How many large shareholders does the company have?

Refer to the Overview of Shareholders page.

Who performs the role of shareholder registry administrator?

Mitsubishi UFJ Trust and Banking Corporation is the shareholder registry administrator.

Mitsubishi UFJ Trust and Banking Corporation
7-10-11 Higashi-suna, Koto-ku, Tokyo 137-8081
Tel: 0120-232-711 (Toll free)

Who should I contact about change of address or dividend payment details?

Shareholders should contact the stockbroker with whom the account is held.

NB: For uncollected dividends, contact the shareholder registry administrator (Mitsubishi UFJ Trust and Banking Corporation).

Who should I contact about special-purpose accounts?

Special-purpose accounts are administered by the Mitsubishi UFJ Trust and Banking Corporation.

How does ACOM make public announcements?

ACOM makes public announcements electronically on http://www.acom.co.jp or, where this is not possible, in the Nihon Keizai Shimbun newspaper.

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