FY2012 Business Summary
Operating Activities in FY2012
1. Sales and Ordinary profit
The total sales in FY2012 were 7,557 mil. JPY, decreased by 164 mil. JPY from the previous year,
because, even though the number of credit inquiry increased due to the increasing use of credit sales ofmobile phones and automobiles, the number of the CRIN(CRedit Information Network) inquiry
decreased in return for the established the FINE(Financial Information NEtwork) inquiry.
In contrast, the ordinary profit reached to 1,019 mil. JPY, topping 1,000 mil. JPY mark, because
various cost reduction measures, such as the decreasing cost to sales due to the end of amortization ofthe main computer system, turned out effective.

2. Credit Information held by CIC
The amount of credit information held by CIC reached, at the end of FY2012 (as of March 20, 2013), to613.81 mil. records by 29.72 mil. records (+5% from the previous year).
In this database, the amount of the Credit Information was 571.74 mil. records (+4.8%) and continues
to increase due to the mandatory reporting of credit information prescribed by the amended Money
Lending Business Act and the amended Installment Sales Act.
The amount of the Delinquent Information was 14.16 mil. records (+1.0%) and accounts for 2.5% of
the Credit Information.

3. Number of Credit Information Inquiries
The number of credit information inquiries (the Basic Service) by the member companies was 176.99
mil., increased by 8.09 mil. (+4.7% from the previous year).
In contrast, the number of the FINE inquiry through the credit information exchange network
between the designated credit information agencies, was 33.59 mil., decreased by 1.37 mil. (-3.9% fromthe previous year).
The number of the CRIN inquiry through the credit information exchange network among othercredit information agencies, was 7.97 mil., decreased by 1.61 mil. (-16.8% from the previous year).

1Financial Conditions
1．Change in Business Results and Assets(In millions of JPY)
FY2009FY2010FY2011FY2012

Sales

7,249

7,821

7,721

7,557

Ordinary profit

212

663

855

1,019

Net profit

134

355

433

629

Total assets

9,259

11,056

11,192

11,554Equity

7,764

8,076

8,342

8,833

2．Summary of Balance Sheet
March 31, 2013
(In millions of JPY)
AssetsCurrent assets
Tangible fixed assets
Intangible fixed assetsInvestments and Other assets
Fixed assets

Liabilities

4,902
3,025
3,157
468
6,651

Current liabilities
Fixed liabilities

1,632
1,088

Total liabilities

2,721

EquityCapitalRetained earnings

Total Assets

11,554500
8,333

Total equity

8,833

Total Liabilities
and Equity

11,5542

3．Summary of Income Statement
Fiscal year ended March 31, 2013

(In millions of JPY)
Net sales

7,557

Operating expenses

6,564

Operating income992

Ordinary profit

1,019

Net profit

629

Results of Business
1．Credit Information held by CIC(In millions)
FY2009Credit information

FY2010FY2011FY2012Growth rate

488.41506.96545.27571.74

4.8%

9.89

10.38

14.01

14.16

1.0%

Application information

33.56

33.29

38.80

42.05

8.3%

Reference material

0.02

0.02

0.01

0.01

△2.5%

522.00540.22584.09613.81

5.0%

Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2009Basic Services

FY2010FY2011FY2012Growth rate

140.56152.86168.90176.99

4.7%

16.46

21.16

15.81

14.95

△5.3%

FINE (*1)-31.24

34.96

33.59

△3.9%

CRIN (*2)

14.38

10.87

9.59

7.97

△16.8%

Total

172.09216.14229.27233.52

1.8%(Credit inquiry)
Other services*1：CIC exchanges the personal credit information such as outstanding balances with Japan Credit
Information Reference Center Corp. (JICC), prescribed by the Money Lending Business Act.
*2：CIC exchanges the derogatory (delinquent) information with the Personal Credit Information Centerof Japanese Bankers Association and Japan Credit Information Reference Center Corp. (JICC).

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