Medium-term Management Plan

Under the vision of "Meeting the expectations of all stakeholders," ACOM Group sets "Accelerating our Growth Cycle to Achieve Our Vision" as Medium-term Policy in its medium-term management plan starting in the fiscal year ending March 31, 2026. To accelerate growth cycle, we will steadily realize each of the 18 medium-term key themes and enhance corporate value.

Medium-term Management Plan (2026/3 - 2028/3)

Medium-term Policy

Medium-term Policy

To continue to meet their expectations, each one of us needs to grow. For growth, we need to invest in business and talent. For investment, we need sustainable profit. For sustainable profit, we need to keep our customers and partners happy. This means we need to continue to grow and we call this cycle a growth cycle. As stakeholders' expectations constantly grow, we need to keep running this growth cycle to continue to meet their expectations. We intend to accelerate this growth cycle in the medium-term management plan.

Capital Policy

Basic Capital Policy

To achieve sustainable enhancement of corporate value, maintain financial soundness, enhance profitability and pay stable and continuous dividends to shareholders.

Goals of the New Mid-term Management Plan

Basic Capital Policy
  • Consolidated ROE:
    Around 10%
  • Shareholders' equlity ratio, computed using the sum consolidated total assets and guaranteed receivables:
    Around 23%
  • Dividend Payout Ratio
    Around 50%

Dividends per Share

Dividends per Share Dividends per Share

Consolidated Business Scale and Performance Targets

  • Loans Receivable
    3,276.9 billion yen
  • Operating Revenue
    366.5 billion yen
  • Operating profit
    100.4 billion yen

Consolidated Loans Recievable

Consolidated Loans Recievable Consolidated Loans Recievable

Consolidated Operating Revenue

Consolidated Operating Revenue Consolidated Operating Revenue

Consolidated operating profit

Consolidated operating profit Consolidated operating profit

Medium-term Key Themes/Business and Functional Strategies

Strategies Themes
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  • Fostering a Compliance Culture
Business Strategy
  • Enhance brand strength by rebuilding perception
  • Provide a quality customer experience by good responses and speedy credit screening
  • Expansion of business alliance partners by GeNiE, Inc.
  • Further strengthening cooperation with existing guarantee partners and expand new guarantee alliances
  • Strengthen group collaboration with IR Loan Servicing Inc.
  • Appropriate responses to regulations and maintain a high-quality portfolio by EASY BUY(Kingdom of Thailand)
  • Aiming to turn profits by ACF(Philippine)and ACM(Malaysia)
  • Expansion into new countries
  • Challenge for new business
Functional Strategy
  • Building a system infrastructure that can respond flexibly and quickly to changes in the environment and reinforcement of cyber security
  • Establish the base of human resource by strengthening recruitment, training and retention
  • Provide optimal credit and rebuild credit protection system
  • Strengthen internal penetration to establish sustainable management
  • Enhancement of risk management and governance
  • Creating a highly productive environment by improving business efficiency
  • Maintain stability and improve cost efficiency through optimal financing
  • Improve decision-making speed and accuracy through data utilization
  • Implement new action guidelines

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