Operational Performances

Changes in Annual Loan Operations

Changes in Annual Loan Operations

Changes in Outstanding Loans

Changes in Outstanding Loans

Changes in Annual Loan Operations

Changes in 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, %)

  FY2012 FY2013 FY2014 FY2015 FY2016
Manufacturing 764.7
(12.0)
725.7
(11.5)
679.2
(10.9)
644.6
(10.6)
623.8
(10.2)
Wholesale & Retail 1,561.2
(24.4)
1,515.6
(24.0)
1,449.0
(23.2)
1,380.9
(22.6)
1,359.0
(22.1)
Restaurants &Hotels 537.8
(8.4)
519.9
(8.2)
504.7
(8.1)
493.8
(8.1)
512.8
(8.3)
Services 1,430.4
(22.4)
1,432.9
(22.7)
1,413.5
(22.6)
1,403.8
(23.0)
1,434.1
(23.3)
Construction 968.4
(15.2)
932.0
(14.7)
899.3
(14.4)
884.6
(14.5)
900.3
(14.6)
Others 1,122.9
(17.6)
1,193.3
(18.9)
1,304.0
(20.9)
1,299.1
(21.3)
1,316.1
(21.4)
Total 6,385.5
(100.0)
6,319.7
(100.0)
6,249.9
(100.0)
6,107.1
(100.0)
6,146.4
(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, %)

  FY2012 FY2013 FY2014 FY2015 FY2016
Restaurant-related services 165.9
(46.6)
150.9
(46.7)
141.0
(47.3)
138.7
(47.9)
148.0
(49.4)
Beauty parlors 58.7
(16.5)
57.5
(17.8)
56.0
(18.8)
58.3
(20.1)
61.3
(20.4)
Hotels 73.5
(20.7)
62.9
(19.5)
55.4
(18.6)
50.1
(17.3)
49.8
(16.6)
Barbershops 25.6
(7.2)
23.2
(7.2)
20.8
(7.0)
19.7
(6.8)
19.4
(6.5)
Public baths 18.1
(5.1)
15.7
(4.9)
13.6
(4.6)
11.8
(4.1)
10.3
(3.5)
Laundries 8.9
(2.5)
8.2
(2.5)
7.6
(2.6)
7.3
(2.5)
7.1
(2.4)
Meat shops 3.1
(0.9)
2.5
(0.8)
2.3
(0.8)
2.1
(0.7)
2.4
(0.8)
Entertainment facilities 1.5
(0.4)
1.3
(0.4)
1.0
(0.4)
0.9
(0.3)
0.8
(0.3)
Others 0.2
(0.1)
0.2
(0.1)
0.2
(0.1)
0.4
(0.1)
0.3
(0.1)
Total 355.9
(100.0)
322.9
(100.0)
298.4
(100.0)
289.7
(100.0)
299.8
(100.0)
Note :
Figures in parentheses denote percentage of shares.

Breakdown of Outstanding Loans by Use

(Unit: billion yen, %)

  FY2012 FY2013 FY2014 FY2015 FY2016
Operating funds 4,347.8
(68.1)
4,186.7
(66.2)
3,993.3
(63.9)
3,860.7
(63.2)
3,871.2
(63.0)
Facility funds 2,037.6
(31.9)
2,132.9
(33.8)
2,256.6
(36.1)
2,246.3
(36.8)
2,275.1
(37.0)
Total 6,385.5
(100.0)
6,319.7
(100.0)
6,249.9
(100.0)
6,107.1
(100.0)
6,146.4
(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

(Unit: number of companies)

  FY2012 FY2013 FY2014 FY2015 FY2016
Number of Borrowers 958,282 930,171 903,287 886,207 880,104
Note :
Loans comprise General Loans and Environmental Health Business Loans.

Average Loan Balance per Business

(Unit: thousand yen)

  FY2012 FY2013 FY2014 FY2015 FY2016
Average loan balance per business 6,663 6,794 6,919 6,891 6,983
Note :
Loans comprise General Loans and Environmental Health Business Loans.

Educational Loans Outstanding, etc.

(Unit: billion yen)

  FY2012 FY2013 FY2014 FY2015 FY2016
Educational Loans 843.7 840.3 862.1 882.4 903.4
Loans Secured by Governmental Pensions and Mutual Pensions,etc. 18.5 15.5 13.8 11.6 9.7

Breakdown of Loans by Credit Amount

(Unit: number of loans, %)

  FY2012 FY2013 FY2014 FY2015 FY2016
Up to 3 million yen 91,091
(33.0)
83,880
(31.5)
80,459
(31.0)
89,022
(33.9)
90,876
(32.8)
Over 3 million yen and up to 5 million yen 51,811
(18.8)
52,504
(19.7)
50,479
(19.4)
52,323
(19.9)
56,115
(20.2)
Over 5 million yen and up to 8 million yen 37,587
(13.6)
37,128
(14.0)
36,235
(13.9)
35,667
(13.6)
37,288
(13.5)
Over 8 million yen 95,513
(34.6)
92,526
(34.8)
92,616
(35.7)
85,679
(32.6)
92,945
(33.5)
Total 276,002
(100.0)
266,038
(100.0)
259,789
(100.0)
262,691
(100.0)
277,224
(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, %)

  FY2012 FY2013 FY2014 FY2015 FY2016
4 or less 183,363
(66.4)
180,939
(68.0)
181,952
(70.0)
186,137
(70.9)
197,007
(71.1)
5-9 57,805
(20.9)
53,690
(20.2)
49,478
(19.0)
49,279
(18.8)
51,279
(18.5)
10-19 23,251
(8.4)
21,132
(7.9)
19,092
(7.3)
18,411
(7.0)
19,550
(7.1)
20 or more 11,575
(4.2)
10,272
(3.9)
9,261
(3.6)
8,861
(3.4)
9,386
(3.4)
Total 275,994
(100.0)
266,033
(100.0)
259,783
(100.0)
262,688
(100.0)
277,222
(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, %)

  FY2012 FY2013 FY2014 FY2015 FY2016
No-collateral 204,363
(74.1)
202,413
(76.1)
200,430
(77.2)
213,575
(81.3)
229,665
(82.9)
Collateral Real estate (including partial collateral) 71,463
(25.9)
63,481
(23.9)
59,231
(22.8)
49,018
(18.7)
47,488
(17.1)
Securities 29
(0.0)
25
(0.0)
22
(0.0)
16
(0.0)
21
(0.0)
Credit Guarantee Corporations(CGCs) -
(-)
-
(-)
-
(-)
-
(-)
-
(-)
Others 0
(0.0)
0
(0.0)
0
(0.0)
0
(0.0)
0
(0.0)
Total 275,855
(100.0)
265,919
(100.0)
259,683
(100.0)
262,609
(100.0)
277,174
(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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