FY2020 Business Summary
Operating Activities in FY2020
1. Sales and Ordinary profit
Total sales in FY2020 was 7,526 mil. JPY, decreased by 2.8% (Year-on-Year (YoY)). This is due todecrease in sales of Basic Service.
Ordinary profit was 951 mil. JPY, decreased by 29.6% (YoY), due to the decrease in Total sales.
2. Credit Information held by CIC
The total amount of records held by CIC reached 797.34 mil. records, increased by 0.2% (YoY), at theend of FY2020 (as of March 20, 2021).
The amount of Credit Information in the database is 755.11 mil. records (+0.5% YoY).
The amount of the Delinquent Information is 18.48 mil. records (+1.4% YoY).

3. Number of Credit Information Inquiries
The number of credit information inquiries (Basic Services) by member companies was 212.60 mil.,decreased by 4.7% (YoY). The number of inquiries for additional services was 46.52 mil., decreased by
6.1% (YoY).
The number of FINE (Financial Information NEtwork) inquiry, the credit information exchange
network between designated credit information agencies prescribed by the Money Lending Business Act,decreased to 23.78mil. (-20.4% YoY).
The number of CRIN (CRedit Information Network) inquiry through the credit information exchange
network with other credit information agencies increased from the previous year to 7.07 mil.

(+7.4%YoY). This consists of 9.3% increase YoY for outbound inquiries and 4.4% increase YoY for inboundinquiries.
* Figures shown in this Operating Activity are rounded down to 2 decimal points.

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Financial Conditions
1．Change in Business Results and Assets(In millions of JPY)
FY2017FY2018FY2019FY2020

Sales

7,550

7,550

7,743

7,526

Ordinary profit

1,171

1,112

1,351951

Net profit

828

766

934

650

Total assets

12,577

13,71913,81014,066Equity11,136

11,694

12,39012,762

Note: Listed below indicate that Total assets and Equity include treasury stock.
FY2017: -61 mil. JPY / FY2018: -20 mil. JPY
Treasury stock is not included in Total assets and Equity for FY2019 and FY2020.

2．Summary of Balance Sheetas of March 31, 2021
(In millions of JPY)
AssetsLiabilities

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

Fixed assets

5,775
2,865
4,239
1,1858,290

Current liabilities
Fixed liabilities

831472

Total liabilities

1,304

EquityTotal assets

14,066

CapitalCapital surplus
Retained earnings

500
65
12,196

Total equity

12,762

Total liabilities

14,0662

3．Summary of Income Statement
Fiscal year ended March 31, 2021
(In millions of JPY)
Net sales

7,526Operating expenses

6,560

Operating income

966

Ordinary profit

951

Net profit

650* Figures shown in this Financial Condition are rounded down to the nearest mil. JPY.

Results of Business
1．Credit Information held by CIC(In millions)
FY2017
Credit information

FY2018FY2019FY2020715.45734.22751.36755.11

16.52

17.38

18.23

18.48

Application information

45.41

46.08

44.00

42.18

Reference material

0.02

0.03

0.03

0.03

760.89780.33795.40797.34

Delinquent information

Total

2．Number of Credit Information Inquiries(In millions)
FY2017
Basic Services

FY2018FY2019FY2020211.65213.85222.96212.60

Other services

49.12

49.04

49.53

46.52

FINE (*1)

30.46

30.63

29.86

23.78

CRIN (*2)

6.28

6.28

6.58

7.07

297.53299.81308.95289.99(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.
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