Loan and Credit Card Business

Loan provision, otherwise known as consumer finance services business, is the main line of business at ACOM. This business is defined as the act of providing money directly to consumers toward debts associated with consumers’ own consumption of goods and/or services, using their credits as collateral. We provide unsecured small loans mainly to individuals based on security of customers’ “credits.”

Not only have we provided innovative services such as introduction of industry-first ATMs available year-round and 24 hours a day, and automated loan provider terminals, but also we continue active business operations as the leading company in consumer finance market based on our credit and screening expertise.

ACOM obtained an issuing license of Mastercard® in July 1998 and achieved full-scale advancement into the credit card business.

Strengths in Loan and Credit Card Business

Our competitive advantage in loan and credit card business is expertise. ACOM has served more than 10 million customers in its course of loan business. The transaction data has been analyzed and elaborated into highly sophisticated credit screening expertise.

We also have about 650 “Decentralized Instant Credit Card Issuers” at branches in place to meet customers’ diverse financial needs. At the earliest, we are capable of issuing credit cards 30 minutes after applications. This speediness constitutes part of our unique services.

【Loan Bussiness】 Balance of operating loans/number of accounts at ACOM

【Loan Bussiness】 Balance of operating loans/number of accounts at ACOM

*The spread of new coronavirus infections make it difficult to make a reasonable projection for fiscal year ending March 2021. Therefore, forecast for this year is undetermined.
ACOM will promptly announce the forecast once determination of forecast becomes possible.

【Loan Bussiness】 New contracts/contract rate at ACOM

【Loan Bussiness】 New contracts/contract rate at ACOM

Interest repayment claims at ACOM

Interest repayment claims at ACOM

【Creadit Card Business】 Card Shopping Receivables/Number of Cardholders at ACOM

【Creadit Card Business】 Card Shopping Receivables/Number of Cardholders at ACOM

*The spread of new coronavirus infections make it difficult to make a reasonable projection for fiscal year ending March 2021. Therefore, forecast for this year is undetermined.
ACOM will promptly announce the forecast once determination of forecast becomes possible.

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