FY2016 Business Summary
Operating Activities in FY2016
1. Sales and Ordinary profit
The total sales in FY2016 reached to 7,568 mil. JPY, increased by 150 mil. JPY, due to the rise in thenumber of use of the Basic Service.
And the ordinary profit jumped, from the previous year, to 1,605 mil. JPY, increased by 584 mil. JPY
owing to decrease in the cost of sales.

2. Credit Information held by CIC
The amount of credit information held by CIC reached, at the end of FY 2016 (as of March 20, 2017),
to 746.11 mil. records, increased by 31.76 mil. records (+4.4% from the previous year).
In this database, the amount of the Credit Information was 697.52 mil. records (+4.5% from theprevious year) and continues to increase.
The amount of the Delinquent Information was 16.03 mil. records (+5.5% from the previous year) andaccounts for 2.2% of the Credit Information.

3. Number of Credit Information Inquiries
The number of credit information inquiries (the Basic Service) by the member companies was 206.34
mil. records, increased by 6.72 mil. records (+3.3% the previous year). In addition, the number ofinquiries for the additional services was 47.12 mil. records, increased by 5.02 mil. records (+11.9% theprevious year).
In contrast, the number of the FINE (Financial Information NEtwork) inquiry through the credit
information exchange network between the designated credit information agencies prescribed by theMoney Lending Business Act continued to incline to 29.82mil. records (+4.2% from the previous year).
The number of the CRIN (CRedit Information Network) inquiry through the credit informationexchange network with other credit information agencies also increased from the previous year to 6.41
mil. records (+5.2% from the previous year) .

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Financial Conditions1．Change in Business Results and Assets(In millions of JPY)
FY2013

FY2014FY2015FY2016

Sales

7,559

7,360

7,410

7,568

Ordinary profit

826

714

1,021

1,605

Net profit

494

423

663

1,108

Total assets

10,911

10,648

11,373

12,079Equity

8,792

8,533

9,529

10,196

Note: The total assets and the equity of FY2015 include the treasury stock (-142.92 mil. JPY) andFY2016 include the treasury stock (- 368.22 mil. JPY).
2．Summary of Balance Sheet
March 31, 2017
(In millions of JPY)
AssetsLiabilities

Current assets
Tangible fixed assetsIntangible fixed assets
Investments and Other assets

Fixed assets

6,022
2,436
3,234
385
6,056

Current liabilities
Fixed liabilities

1,286
595

Total liabilities

1,882

EquityTotal assets

12,079

CapitalCapital surplus
Retained earnings
Treasury stock500
29
10,035△ 368

Total equity

10,196

Total liabilities
and equity

12,0792

3．Summary of Income Statement
Fiscal year ended March 31, 2017

(In millions of JPY)

Net sales

7,568

Operating expenses

6,007

Operating income

1,560

Ordinary profit

1,605

Net profit

1,108

Results of Business
1．Credit Information held by CIC(In millions)
FY2013Credit information

FY2014FY2015FY2016605.97635.35667.13697.52

14.61

14.68

15.19

16.03

Application information

44.64

46.72

47.19

48.56

Reference material

0.01

0.01

0.02

0.02

650.63682.09714.34746.11

Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2013
Basic Services

FY2014FY2015FY2016186.98190.39199.62206.34

Other services

13.85

19.48

42.09

47.12

FINE (*1)

31.71

30.67

28.61

29.82

CRIN (*2)

7.40

6.43

6.09

6.41

239.95246.98276.43289.72(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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