FY2018 Business Summary
Operating Activities in FY2018
1. Sales and Ordinary profit
Total sales in FY2018 was 7,550 mil. JPY, and remained flat from the previous year. This is due todecrease in sales of Basic Service caused by drop of unit inquiry fee, and increase of sales in consumer
disclosure services.
Ordinary profit was 1,112 mil. JPY, decreased by 58 mil. JPY from the previous year. This is due tothe increase in the selling, general and administrative expenses caused by increase in softwareamortization expenses.

2. Credit Information held by CIC
The amount of credit information held by CIC reached 780.33 mil. records at the end of FY 2018 (as ofMarch 20, 2019), increased by 19.43 mil. records (+2.6% year-on-year).
The amount of Credit Information in the database is 734.22 mil. records (+2.6% year-on-year) andcontinues to increase.
The amount of the Delinquent Information is 17.38 mil. records (+5.2% year-on-year) and accounts
for 2.3% of Credit Information.

3. Number of Credit Information Inquiries
The number of credit information inquiries (Basic Services) by member companies was 213.85 mil.,increased by 2.19 mil. (+1.0% year-on-year). The number of inquiries for additional services was 49.04
mil., decreased by 0.07 mil. (-0.2% year-on-year).
The number of FINE (Financial Information NEtwork) inquiry, the credit information exchange
network between designated credit information agencies prescribed by the Money Lending Business
Act, continued to increase to 30.63mil. (+0.5% year-on-year).
The number of the CRIN (CRedit Information Network) inquiry through the credit informationexchange network with other credit information agencies reduced from the previous year to 6.28 mil.
(-0.2% year-on-year). This consists of 3.0% decrease year-on-year in outbound inquiries and 4.5%
increase year-on-year in inbound inquiries.
* Figures shown in this Operating Activity are rounded down to 2 decimal points.
1Financial Conditions
1．Change in Business Results and Assets(In millions of JPY)
FY2015FY2016FY2017FY2018

Sales

7,410

7,568

7,550

7,550

Ordinary profit

1,021

1,605

1,171

1,112

Net profit

663

1,108

828

766

Total assets

11,373

12,07912,577

13,719Equity9,529

10,196

11,136

11,694

Note: Listed below indicate that Total assets and Equity include treasury stock.
FY2015 -142 mil. JPY / FY2016 -368 mil. JPY / FY2017 -61 mil. JPY / FY2018 -20 mil. JPY

2．Summary of Balance Sheet
March 31, 2019
(In millions of JPY)
AssetsCurrent assets
Tangible fixed assets
Intangible fixed assets
Investments and Other assets
Fixed assets

Liabilities
6,318
2,952
4,052
577
7,582

Current liabilities
Fixed liabilities

1,784
421

Total liabilities

2,206

EquityCapitalCapital surplus
Retained earnings
Treasury stock

Total assets

13,9005006511,149△ 20Total equity

11,694

Total liabilities

13,9002

3．Summary of Income Statement
Fiscal year ended March 31, 2019

(In millions of JPY)
Net sales

7,550

Operating expenses

6,459

Operating income

1,090

Ordinary profit

1,112

Net profit766* Figures shown in this Financial Condition are rounded down to the nearest mil. JPY.

Results of Business
1．Credit Information held by CIC(In millions)
FY2015Credit information

FY2016FY2017FY2018667.13697.52715.45734.22

15.19

16.03

16.52

17.38

Application information

47.19

43.81

45.41

46.08

Reference material

0.02

0.02

0.02

0.03

714.34741.36760.89

780.33

Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2015
Basic Services

FY2016FY2017FY2018199.62206.34211.65213.85

Other services

42.09

47.12

49.12

49.04

FINE (*1)

28.61

29.82

30.46

30.63

CRIN (*2)

6.09

6.41

6.28

6.28

276.43289.72297.53299.81(Credit inquiry)

Total*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).

* Figures shown in this Result of Business are rounded down to 2 decimal points.
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