FY2014 Business Summary
Operating Activities in FY2014
1. Sales and Ordinary profit
The total sales in FY2014 reached to 7,360 mil. JPY, dropped below the previous year level, because,
after five years from the amendments of both the Money Lending Business Act and the Installment
Sales Act, the number of credit inquiry remained a small increase, backed by an improvement of credit
quality, but the average price of credit information per inquiry was lowered.
And the ordinary profit also decreased, from the previous year, to 714 mil. JPY, because a large
decrease of sales, general and administrative expenses due to cut down on the business outsourcing
expenses, but due to the increase of system operating costs by preparing the documents of thecomputer systems
2. Credit Information held by CIC
The amount of credit information held by CIC reached, at the end of FY2014 (as of March 20, 2015), to682.09 mil. records increased by 31.46 mil. records (+4.8% from the previous year).
In this database, the amount of the Credit Information was 635.35 mil. records(+4.8%) andcontinues 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 14.68 mil. records (+0.4%) and accounts for 2.3% ofthe Credit Information.

3. Number of Credit Information Inquiries
The number of credit information inquiries (the Basic Service) by the member companies was 190.39
mil., increased by 3.40 mil. (+1.8% from the previous year).
In addition, the use of monitoring services turned out favorably and the number of inquiries for
those services was 19.48 mil., increased by 5.62 mil. (+40.6% from the previous year).
In contrast, the number of the FINE(Financial Information NEtwork) inquiry through the credit
information exchange network between the designated credit information agencies, and the number ofthe CRIN(CRedit Information Network) inquiry through the credit information exchange network
among other credit information agencies, decreased from the previous year.

1Financial Conditions
1．Change in Business Results and Assets(In millions of JPY)
FY2011FY2012FY2013

FY2014

Sales

7,721

7,557

7,559

7,360

Ordinary profit

855

1,019

826

714

Net profit

433

629

494

423

Total assets

11,192

11,554

10,911

10,648Equity

8,342

8,833

8,792

8,533

Note: The total assets and the equity of FY2014 include the treasury stock (- 653.42 mil. JPY).
2．Summary of Balance Sheet
March 31, 2015
(In millions of JPY)
AssetsCurrent assets
Tangible fixed assets
Intangible fixed assets
Investments and Other assets
Fixed assets

Liabilities

5,271
2,528
2,384
464
5,377

Current liabilities
Fixed liabilities

1,148
966

Total liabilities

2,115

EquityTotal Assets

10,648

CapitalCapital surplus
Retained earnings
Treasury stock50048,681△ 653

Total equity8,533

Total Liabilities
and Equity

10,6482

3．Summary of Income Statement
Fiscal year ended March 31, 2015

(In millions of JPY)
Net sales

7,360

Operating expenses

6,681

Operating income

679

Ordinary profit

714

Net profit

423

Results of Business
1．Credit Information held by CIC(In millions)
FY2011Credit information

FY2012FY2013

FY2014Growth rate

545.27571.74605.97635.35

4.8%

14.01

14.16

14.61

14.68

0.4%

Application information

38.80

42.05

44.64

46.72

4.6%

Reference material

0.01

0.01

0.01

0.01

2.4%

584.09613.81650.63682.094.8%

Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2011
Basic Services

FY2012FY2013

FY2014Growth rate

168.90176.99186.98190.39

1.8%

Other services

15.81

14.95

13.85

19.48

40.6%

FINE (*1)

34.96

33.59

31.71

30.67

△3.2%

CRIN (*2)

9.59

7.97

7.40

6.43

△13.0%

229.27233.52239.95246.98

2.9%(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).

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