FY2022 Business Summary
Operating Activities in FY2022
1. Sales and Ordinary profit
Total sales in FY2022 was 7,654 mil. JPY.
Ordinary profit was 1,443 mil. JPY.
Note: Sales for FY2021 and FY2022 do not include the sales from CRIN, due to the application of theaccounting standard for revenue recognition.
2. Credit Information held by CIC
The total amount of records held by CIC reached 814.98 mil. records (as of March 20, 2023).
The amount of Credit Information in the database is 770.99 mil. records.
The amount of the Delinquent Information is 20.09 mil. records.
3. Number of Credit Information Inquiries
The number of credit information inquiries by the member companies was 248.87 mil. for FY2022.
4. Number of member companies
The total number of member companies was 871 (as of March 20, 2023).
5. Number of consumer disclosures
The total number of consumer disclosures, for FY2022, was 252,633.
6. Installment sales information (*) held by CIC, Outstanding loan amount for installment sales andNumber of credit inquiries by the member credit companies
The amount of installment sales information was 338.61 mil. records for the intermediation ofcomprehensive credit purchases (“Hokatsu”credit) and 205.11 mil. records for the intermediation ofindividual credit purchase (“Kobetsu”credit). The outstanding loan amount of installment sales was
23.2015 trillion JPY (as of March 20, 2023).
The total number of credit inquiries by the member credit companies, for FY2022, was 177.33 mil.
(*) The information on the contract of purchasing by credit in case the other party is an individual
customer, registered by the member credit companies (revolving payment, installment payment
and the lump-sum payment with the repayment period exceeding 2 months from the date of credit
granted, including the bonus lump-sum repayment )1

7. Consumer loans information(*) held by CIC, Outstanding amount of consumer loans registered at
CIC and Number of credit inquiries by the member consumer loan companies
The amount of consumer loans information held by CIC was 179.88 mil. records and the outstanding
amount of consumer loans registered at CIC was 10.5403 trillion JPY (as of March 20, 2023).
The total number of credit inquiries by the member consumer loan companies, for FY2022, was 125.28
mil.
(*) The loan contract in case the other party is an individual customer, registered by the member
consumer loan companies (cash advance by credit card, consumer loans, loans on deed)2Financial Conditions
1.

Change in Business Results and Assets(In millions of JPY)
FY2019FY2020

FY2021

FY2022

Sales

7,743

7,526

7,320

7,654

Ordinary profit

1,351

951

921

1,443

Net profit

934

650

628

989

Total assets

13,81014,066

13,76015,519Equity12,39012,762

12,515

13,810Note: Sales for FY2021 and 2022 do not include the sales from CRIN, due to the application of theaccounting standard for revenue recognition.
2.

Summary of Balance Sheetas of March 31, 2023
(In millions of JPY)
AssetsLiabilities

Current assets

5,004

Tangible fixed assets

2,767

Intangible fixed assets

4,148

Investments and Other assets

3,599

Fixed assets

10,515Current liabilities

1,205

Fixed liabilities

503

Total liabilities

1,709
EquityTotal assets

15,519

Capital500

Capital surplus

107

Retained earnings

13,246

Total equity

13,810Total liabilities

15,51933.

Summary of Income Statement
Fiscal year ended March 31, 2023(In millions of JPY)
Net sales

7,654

Operating expenses

6,222

Operating income

1,432

Ordinary profit

1,443

Net profit

989

Note: Figures shown in this Financial Condition are rounded down to the nearest mil. JPY.

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Results of Business
1.

Credit Information held by CIC(In millions)
FY2019FY2020

FY2021

FY2022

Total records

795.41797.34805.00814.98Credit information

751.37755.12762.61770.99

18.24

18.48

19.19

20.09

Delinquent information

Note: Figures for each Fiscal Year (FY) are as of March 20.
Figures shown are rounded off to the nearest million.
2.

Number of Credit Information Inquiries(In millions)
FY2019Credit Information Inquiries

FY2020223.15

FY2021

212.48FY2022227.46248.87

Note: Figures for each Fiscal Year (FY) are as of March 20.
Figures shown are rounded off to the nearest million.
3.

Number of Member Companies
FY2019FY2020

FY2021

FY2022

Number of member
companies

903

900

902

871

Credit companies

340

336

342

339

Consumer loan companies

322

327

325

323

Note: Figures for each Fiscal Year (FY) are as of March 20.
4.

Number of consumer disclosures
FY2019FY2020

FY2021FY2022

Consumer disclosures

269,368

289,878

266,939

252,633by the Internet

140,126

171,958

158,967

170,477by mail

65,07286,54487,17682,15664,17031,376

20,7960by visiting Consumer
Disclosure Center

Note: Figures for each Fiscal Year (FY) are as of March 20.
We temporarily closed the consumer disclosure offices from January 2022, and eventually
decided to discontinue the consumer disclosure service at the Center on February 28, 2023.
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