Operational Performances

Changes in Annual Loan Operations

Changes in Annual Loan Operations

Breakdown of Loans by Scheme

Breakdown of Loans by Scheme

Changes in Outstanding Loans

Changes in Outstanding Loans

Breakdown of Business Loans Outstanding by Industry

(Unit: billion yen, %)

  End of
FY2015
End of
FY2016
End of
FY2017
End of
FY2018
End of
FY2019
Manufacturing 644.6
(10.6)
623.8
(10.2)
606.2
(9.8)
586.1
(9.5)
574.2
(9.3)
Wholesale & Retail 1,380.9
(22.6)
1,359.0
(22.1)
1,346.5
(21.8)
1,318.1
(21.3)
1,293.6
(20.9)
Restaurants &Hotels 493.8
(8.1)
512.8
(8.3)
532.7
(8.6)
547.9
(8.9)
580.7
(9.4)
Services 1,403.8
(23.0)
1,434.1
(23.3)
1,472.5
(23.8)
1,501.1
(24.2)
1,525.4
(24.6)
Construction 884.6
(14.5)
900.3
(14.6)
916.8
(14.8)
919.5
(14.9)
911.1
(14.7)
Others 1,299.1
(21.3)
1,316.1
(21.4)
1,315.8
(21.3)
1,317.7
(21.3)
1,313.6
(21.2)
Total 6,107.1
(100.0)
6,146.4
(100.0)
6,190.8
(100.0)
6,190.6
(100.0)
6,198.8
(100.0)
Note 1:
Loans comprise General Loans and Environmental Health Business Loans.
Note 2:
Industries are in accordance with the Japan Standard Industrial Classification as revised in March 2002.
Note 3:
Figures in parentheses denote percentage of shares.

Breakdown of Environmental Health Business Loans Outstanding by Industry

(Unit: billion yen, %)

  End of
FY2015
End of
FY2016
End of
FY2017
End of
FY2018
End of
FY2019
Restaurant-related services 138.7
(47.9)
148.0
(49.4)
159.1
(50.8)
169.7
(51.7)
178.0
(51.9)
Beauty parlors 58.3
(20.1)
61.3
(20.4)
65.6
(21.0)
69.9
(21.3)
73.1
(21.3)
Hotels 50.1
(17.3)
49.8
(16.6)
48.8
(15.6)
49.4
(15.1)
53.9
(15.7)
Barbershops 19.7
(6.8)
19.4
(6.5)
19.4
(6.2)
19.4
(5.9)
19.4
(5.7)
Public baths 11.8
(4.1)
10.3
(3.5)
9.5
(3.0)
8.7
(2.7)
8.0
(2.4)
Laundries 7.3
(2.5)
7.1
(2.4)
7.1
(2.3)
6.9
(2.1)
6.7
(2.0)
Meat shops 2.1
(0.7)
2.4
(0.8)
2.4
(0.8)
2.6
(0.8)
2.4
(0.7)
Entertainment facilities 0.9
(0.3)
0.8
(0.3)
0.6
(0.2)
0.8
(0.3)
0.5
(0.2)
Others 0.4
(0.1)
0.3
(0.1)
0.3
(0.1)
0.4
(0.1)
0.3
(0.1)
Total 289.7
(100.0)
299.8
(100.0)
313.3
(100.0)
328.0
(100.0)
342.8
(100.0)
Note :
Figures in parentheses denote percentage of shares.

Breakdown of Outstanding Loans by Use

(Unit: billion yen, %)

  End of
FY2015
End of
FY2016
End of
FY2017
End of
FY2018
End of
FY2019
Operating funds 3,860.7
(63.2)
3,871.2
(63.0)
3,914.0
(63.2)
3,880.7
(62.7)
3,891.8
(62.8)
Facility funds 2,246.3
(36.8)
2,275.1
(37.0)
2,276.7
(36.8)
2,309.9
(37.3)
2,307.0
(37.2)
Total 6,107.1
(100.0)
6,146.4
(100.0)
6,190.8
(100.0)
6,190.6
(100.0)
6,198.8
(100.0)
Note 1:
Loans comprise General Loans and Environmental Health Business Loans.
Note 2:
Figures in parentheses denote percentage of shares.

Number of Borrowers

(Number of businesses)

  End of
FY2015
End of
FY2016
End of
FY2017
End of
FY2018
End of
FY2019
Number of borrowers 886,207 880,104 879,639 881,622 881,026
Note :
Loans comprise General Loans and Environmental Health Business Loans.

Average Loan Balance per Business

(thousand yen)

  End of
FY2015
End of
FY2016
End of
FY2017
End of
FY2018
End of
FY2019
Average loan balance per business 6,891 6,983 7,037 7,021 7,036
Note :
Loans comprise General Loans and Environmental Health Business Loans.

Educational Loans Outstanding, etc.

(billion yen)

  End of
FY2015
End of
FY2016
End of
FY2017
End of
FY2018
End of
FY2019
Educational Loans 882.4 903.4 930.0 953.2 973.6
Loans Secured by Governmental Pensions and Mutual Pensions,etc. 11.6 9.7 7.9 7.3 5.8

Breakdown of Loans by Credit Amount

(Unit: number of loans, %)

  FY2015 FY2016 FY2017 FY2018 FY2019
Up to 3 million yen 89,022
(33.9)
90,876
(32.8)
89,410
(33.2)
88,280
(34.3)
87,643
(34.2)
Over 3 million yen and up to 5 million yen 52,323
(19.9)
56,115
(20.2)
54,534
(20.2)
53,659
(20.8)
52,774
(20.6)
Over 5 million yen and up to 8 million yen 35,667
(13.6)
37,288
(13.5)
35,830
(13.3)
34,829
(13.5)
34,586
(13.5)
Over 8 million yen 85,679
(32.6)
92,945
(33.5)
89,603
(33.3)
80,872
(31.4)
80,994
(31.6)
Total 262,691
(100.0)
277,224
(100.0)
269,377
(100.0)
257,640
(100.0)
255,997
(100.0)
Note 1:
Loans comprise General Loans and Environmental Health Business Loans.
Note 2:
Figures in parentheses denote percentage of shares.

Breakdown of Loans by Number of Employees of Borrowers

(Unit: number of loans, %)

  FY2015 FY2016 FY2017 FY2018 FY2019
4 or fewer 186,137
(70.9)
197,007
(71.1)
192,794
(71.6)
172,541
(67.0)
166,749
(65.1)
5-9 49,279
(18.8)
51,279
(18.5)
48,486
(18.0)
51,002
(19.8)
51,647
(20.2)
10-19 18,411
(7.0)
19,550
(7.1)
19,046
(7.1)
21,541
(8.4)
23,108
(9.0)
20 or more 8,861
(3.4)
9,386
(3.4)
9,047
(3.4)
12,555
(4.9)
14,489
(5.7)
Total 262,688
(100.0)
277,222
(100.0)
269,373
(100.0)
257,639
(100.0)
255,993
(100.0)
Note 1:
Loans comprise General Loans and Environmental Health Business Loans.
Note 2:
Figures in parentheses denote percentage of shares.

Breakdown of Loans by Type of Collateral

(Unit: number of loans, %)

  FY2015 FY2016 FY2017 FY2018 FY2019
No-collateral 213,575
(81.3)
229,665
(82.9)
230,263
(85.5)
223,271
(86.7)
223,441
(87.3)
Collateral Real estate (including partial collateral) 49,018
(18.7)
47,488
(17.1)
39,054
(14.5)
34,323
(13.3)
32,522
(12.7)
Securities 16
(0.0)
21
(0.0)
10
(0.0)
10
(0.0)
4
(0.0)
Credit Guarantee Corporations(CGCs) -
(-)
-
(-)
-
(-)
-
(-)
-
(-)
Others 0
(0.0)
0
(0.0)
0
(0.0)
0
(0.0)
0
(0.0)
Total 262,609
(100.0)
277,174
(100.0)
269,327
(100.0)
257,604
(100.0)
255,967
(100.0)
Note 1:
Loans comprise General Loans and Environmental Health Business Loans.
Note 2:
Figures in parentheses denote percentage of shares.
Note 3:
Partial collateral refers to real estate or other collateral whose estimated values do not reach amounts borrowed. Partial collateral of "Securities," "Credit Guarantee Corporations" and "Others" are included in "Real estate".

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