FY2017 Business Summary
Operating Activities in FY2017
1. Sales and Ordinary profit
The total sales in FY2017 reached to 7,550 mil. JPY, reduced by 17 mil. JPY, due to change forallocation of the FINE* (Financial Information NEtwork) fee and discount for the additional service fee.
And the ordinary profit reduced, from the previous year, to 1,171 mil. JPY, reduced by 433 mil. JPY
owing to the increase in the selling, general and administrative expenses due to operation andmaintenance cost regarding system development.
*FINE (Financial Information NEtwork) is the credit information exchange network between thedesignated credit information agencies prescribed by the Money Lending Business Act.
2. Credit Information held by CIC
The amount of credit information held by CIC reached, at the end of FY 2017 (as of March 20, 2018),
to 760.89 mil. records, increased by 19.53 mil. records (+2.6% from the previous year).
In this database, the amount of the Credit Information was 715.45 mil. records (+2.6% from theprevious year) and continues to increase.
The amount of the Delinquent Information was 16.52 mil. records (+3.1% from the previous year) andaccounts for 2.3% of the Credit Information.

3. Number of Credit Information Inquiries
The number of credit information inquiries (the Basic Service) by the member companies was 211.65
mil., increased by 5.30 mil. (+2.5% the previous year). In addition, the number of inquiries for theadditional services was 49.12 mil., increased by 1.99 mil. (+4.2% the previous year).
In contrast, the number of the FINE (Financial Information NEtwork) inquiry continued to increase
to 30.46mil. (+2.1% from the previous 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.
(-2.0% from the previous year) .

1Financial Conditions
1．Change in Business Results and Assets(In millions of JPY)
FY2014FY2015FY2016FY2017

Sales

7,360

7,410

7,568

7,550

Ordinary profit

714

1,021

1,605

1,171

Net profit

423

663

1,108

828

Total assets

10,648

11,373

12,07912,577

Equity

8,533

9,529

10,196

11,136

Note: Listed below are indicate that the total assets and the equity include the treasury stock.
FY2015 -142.92 mil. JPY / FY2016 -368.22 mil. JPY / FY2017 -61.25 mil. JPY

2．Summary of Balance Sheet
March 31, 2018
(In millions of JPY)
AssetsLiabilities

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

Fixed assets

6,499
2,324
3,411
341
6,078

Current liabilities
Fixed liabilities

1,051
390

Total liabilities

1,441

EquityTotal assets

12,577

CapitalCapital surplus
Retained earnings
Treasury stock500
65
10,632△61

Total equity

11,136

Total liabilities

12,57723．Summary of Income Statement
Fiscal year ended March 31, 2018

(In millions of JPY)

Net sales

7,550

Operating expenses

6,398

Operating income

1,151

Ordinary profit

1,171

Net profit

838

Results of Business
1．Credit Information held by CIC(In millions)
FY2014Credit information

FY2015FY2016FY2017635.35667.13697.52715.45

14.68

15.19

16.03

16.52

Application information

46.72

47.19

43.81

45.41

Reference material

0.01

0.02

0.02

0.02

682.09714.34741.36760.89Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2014
Basic Services

FY2015FY2016FY2017190.39199.62206.34211.65

Other services

19.4842.09

47.12

49.12

FINE (*1)

30.67

28.61

29.82

30.46

CRIN (*2)

6.43

6.09

6.41

6.28

246.98276.43289.72297.53(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).

3