FY2013 Business Summary
Operating Activities in FY2013
1. Sales and Ordinary profit
The total sales in FY2013 reached to 7,559 mil. JPY, increased by 2.45 mil. JPY from the previous year,
because the growth of new credit applications due to a last-minute rise in demand for credit
transactions before an increase of consumption tax and the economic recovery, and the increase ofcredit information inquiries for discretionary account management purposes due to a buildup of thecustomer management by the member credit companies, compensated for the decreasing sales of theFINE(Financial Information NEtwork) inquiry.
In contrast, the ordinary profit turned to 826 mil. JPY, decreased from the previous year, due to theincreased software amortization expense by the operation of the new credit information database, andthe increased operation cost of the computer system by a buildup measure of the nighttime operation ofthe system center.
2. Credit Information held by CIC
The amount of credit information held by CIC reached, at the end of FY2013 (as of March 20, 2014), to650.63 mil. records increased by 36.82 mil. records (+5.9% from the previous year).
In this database, the amount of the Credit Information was 605.97 mil. records(+5.9%) 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 14.61 mil. records (+3.1%) and accounts for 2.4% of
the Credit Information.

3. Number of Credit Information Inquiries
The number of credit information inquiries (the Basic Service) by the member companies was 186.98
mil., increased by 9.99 mil. (+5.6% from the previous year).
In contrast, the number of the FINE inquiry through the credit information exchange network
between the designated credit information agencies, and the number of CRIN (CRedit InformationNetwork) 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)
FY2010FY2011FY2012FY2013

Sales

7,821

7,721

7,557

7,559

Ordinary profit

663

855

1,019

826

Net profit

355

433

629

494

Total assets

11,056

11,192

11,554

10,911Equity

8,076

8,342

8,833

8,792

Note: The total assets and the equity of FY2013 include the treasury stock (- 333.23 mil. JPY) acquired
during the period.

2．Summary of Balance Sheet
March 31, 2014
(In millions of JPY)
AssetsCurrent assets
Tangible fixed assets
Intangible fixed assets
Investments and Other assets
Fixed assets

Liabilities

4,750
2,838
2,845
477
6,161

Current liabilities
Fixed liabilities

1,187
931

Total liabilities

2,119

EquityTotal Assets

10,911

CapitalRetained earnings
Treasury stock

500
8,625
△ 333

Total equity

8,792

Total Liabilities
and Equity

10,911

23．Summary of Income Statement
Fiscal year ended March 31, 2014

(In millions of JPY)
Net sales

7,559

Operating expenses

6,761

Operating income

798

Ordinary profit

826

Net profit

494

Results of Business
1．Credit Information held by CIC(In millions)
FY2010Credit information

FY2011FY2012FY2013Growth rate

506.96545.27571.74605.97

5.9%

10.38

14.01

14.16

14.61

3.1%

Application information

33.29

38.80

42.05

44.64

6.1%

Reference material

0.02

0.01

0.01

0.01

△2.5%

540.22584.09613.81650.63

5.9%

Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2010
Basic Services

FY2011FY2012FY2013Growth rate

152.86168.90176.99186.98

5.6%

Other services

21.16

15.81

14.95

13.85

△7.3%

FINE (*1)

31.24

34.96

33.59

31.71

△5.6%

CRIN (*2)

10.87

9.59

7.97

7.40

△7.1%

Total

216.14229.27233.52239.95

2.7%(Credit inquiry)*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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