ACOM CO., LTD.

Climate Impact & Sustainability Data (2018-04 to 2019-03, 2018-2022)

Reducing electricity consumption of ATMs and illumination signboards by installing energy-saving models and LEDs.
Shifting to paperless operations to reduce resource consumption.

Held over 230 barrier-free "ACOM ‘Miru’ Concert Monogatari" performances, inviting over 220,000 audiences.
Donated roughly 10 million yen to welfare groups and disaster relief programs via the ACOM Bluebird Fund.
Conducted financial education lectures at five universities to roughly 930 students.
Participated in local cleaning projects.

Strengthened corporate governance by enhancing the soundness, transparency, and efficiency of operations.
Established an Audit & Supervisory Committee composed mainly of outside directors.
Established various committees (Appointment and Remuneration Committee, Compliance Committee, Financial Information Disclosure Committee, Risk Committee).

Medium-term Goals:

1,000.0 billion yen in balance of the loan and credit card business and 1,300.0 billion yen in balance of the guarantee business (domestic market) by FY2022.
54.9 billion Thai baht in balance of the loan business of EASY BUY Public Company Limited in Thailand and 1.59 billion pesos in balance of the loan business of ACOM CONSUMER FINANCE CORPORATION in the Philippines (overseas market) by FY2022.
Consolidated ROE no less than 12% and shareholders’ equity ratio of 20% by FY2022.

Decreased guaranteed receivables due to voluntary measures taken by partner banks following announcements by the Japanese Bankers Association.
Intensifying competition in the market.
Changes in social structure (declining birthrate and aging population).
Requests for interest repayment (though decreasing).
Tightened new loan regulations in Thailand.
Potential loss on interest repayment.
Risk of fund procurement difficulties.
Increase in payment delays and uncollected loans receivable.
Issues concerning multiple debtors.
Potential risks from information systems failures.
Risks associated with the management of personal information.
Potential impact from changes in laws and regulations governing banks.
Uncertainties in investments in new markets.
Potential disposal of shares by major shareholders.
Risks from accidents and disasters.

Strengthening sales and service capabilities in the loan and credit card business.
Expanding the scale of guarantee business and financial business in Asia.
Expanding ICT investment (AI and RPA).
Improving credit screening accuracy.
Promoting digitization.
Enhancing partnerships with existing partners in the guarantee business.
Appropriate screening and responding to customer needs for sound financing.
Pursuing single-year profitability in overseas financial business.
Steady research and analysis for business development in other Asian countries.
Implementing rigorous safety measures for physical and information security.
Maintaining sufficient liquidity through various fundraising measures.
Regularly reviewing the profitability and growth potential of each business.

Total Carbon Emissions:80,085 t-CO2e (FY2022)

Scope 3 Emissions:76,688 t-CO2e (FY2022)

Renewable Energy Share:49.8% (FY2022)

Total Energy Consumption:4,440 kl (crude oil equivalent, FY2022)

Waste Generated:268 tons (FY2022)

Reduced energy consumption (crude oil equivalent) from 5,731 kl in FY2018 to 4,440 kl in FY2022.
Increased ratio of renewable energy use in electricity consumption to 49.8% in FY2022.

Maintained 100% attendance rate in Board of Directors, Audit and Supervisory Committee, Appointment and Remuneration Committee, and Compliance Committee meetings.
Established Conflict of Interest Advisory Committee in December 2021.

Implementing various initiatives to reduce energy consumption and CO2 emissions.
Providing support for childcare leave and other employee benefits.