FY2019 Business Summary
Operating Activities in FY2019
1. Sales and Ordinary profit
Total sales in FY2019 was 7,743 mil. JPY, increased by 193 mil. JPY (+2.5% Year-on-Year (YoY)). Thisis due to the increase in sales of Basic Service.
Ordinary profit was 1,351 mil. JPY, increased by 238 mil. JPY (+21.4% YoY), due to the increase inTotal sales.
2. Credit Information held by CIC
The total amount of records held by CIC reached 795.40 mil. records at the end of FY2019 (as ofMarch 20, 2020), increased by 15.07 mil. records (+1.9% YoY).
The amount of Credit Information in the database is 751.36 mil. records (+2.3% YoY) and continues toincrease.
The amount of the Delinquent Information is 18.23 mil. records (+4.9% YoY) and accounts for 2.4% ofCredit Information.

3. Number of Credit Information Inquiries
The number of credit information inquiries (Basic Services) by member companies was 222.96 mil.,increased by 9.11 mil. (+4.2% YoY). The number of inquiries for additional services was 49.53 mil.,increased by 0.49 mil. (+1.0% YoY).
The number of FINE (Financial Information NEtwork) inquiry, which is the credit informationexchange network between designated credit information agencies prescribed by the Money Lending
Business Act, decreased to 29.86 mil. (-2.6% YoY).
The number of CRIN (CRedit Information Network) inquiry, which is the credit informationexchange network with other credit information agencies, increased from the previous year to 6.58 mil.
(+4.8% YoY). This consists of 4.2% increase for outbound inquiries from CIC to other agencies and 5.8%
increase for inbound inquiries from other agencies to CIC.
* Figures shown in this Operating Activities are rounded down to 2 decimal points.

1Financial Conditions
1．Change in Business Results and Assets(In millions of JPY)
FY2016FY2017FY2018FY2019

Sales

7,568

7,550

7,550

7,743

Ordinary profit

1,605

1,171

1,112

1,351

Net profit

1,108828

766

934

Total assets

12,07912,577

13,71913,810Equity10,196

11,136

11,694

12,390Note: Listed below indicate that Total assets and Equity include treasury stock.
FY2016: -368 mil. JPY / FY2017: -61 mil. JPY / FY2018: -20 mil. JPY
Treasury stock is not included in Total assets and Equity for FY2019.

2．Summary of Balance Sheetas of March 31, 2020
(In millions of JPY)
AssetsLiabilities

Current assets
Tangible fixed assets
Intangible fixed assets
Investments and Other assets

Fixed assets

6,063
2,879
4,253
613
7,746

Current liabilities
Fixed liabilities

996
423

Total liabilities

1,419

EquityTotal assets

13,810CapitalCapital surplus
Retained earnings

500
65
11,824

Total equity

12,390Total liabilities

13,8102

3．Summary of Income Statement
Fiscal year ended March 31, 2020

(In millions of JPY)

Net sales

7,743

Operating expenses

6,448

Operating income

1,295

Ordinary profit

1,351

Net profit934* Figures shown in this Financial Conditions are rounded down to the nearest mil. JPY.

Results of Business
1．Credit Information held by CIC(In millions)
FY2016
Credit information

FY2017FY2018FY2019697.52715.45734.22751.36

16.03

16.52

17.38

18.23

Application information

43.81

45.41

46.08

44.00

Reference material

0.02

0.02

0.03

0.03

741.36760.89780.33795.40Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2016
Basic Services

FY2017FY2018FY2019206.34211.65213.85222.96

Other services

47.12

49.12

49.04

49.53

FINE (*1)

29.82

30.46

30.63

29.86

CRIN (*2)

6.41

6.28

6.28

6.58

289.72297.53299.81308.95(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.
3