Operational Performances

Changes in Loan Operations

Changes in Loan Operations

Breakdown of Loans

Breakdown of Loans

Changes in Outstanding Loans

Changes in Outstanding Loans

Breakdown of Business Loans Outstanding by Industry

(Unit: billion yen, %)

  FY2008 FY2009 FY2010 FY2011 FY2012
Manufacturing 764.1
(11.7)
799.6
(12.2)
795.6
(12.2)
782.4
(12.1)
764.7
(12.0)
Wholesale & retail 1,560.4
(23.9)
1,572.2
(24.1)
1,591.6
(24.3)
1,582.5
(24.5)
1,561.2
(24.4)
Restaurants & hotels 597.4
(9.1)
579.0
(8.9)
569.6
(8.7)
556.3
(8.6)
537.8
(8.4)
Services 1,358.5
(20.8)
1,370.4
(21.0)
1,413.9
(21.6)
1,417.7
(22.0)
1,430.4
(22.4)
Construction 992.1
(15.2)
1,019.5
(15.6)
1,025.2
(15.7)
997.1
(15.5)
968.4
(15.2)
Others 1,260.3
(19.3)
1,189.8
(18.2)
1,145.6
(17.5)
1,113.4
(17.3)
1,122.9
(17.6)
Total 6,533.1
(100.0)
6,530.8
(100.0)
6,541.7
(100.0)
6,449.5
(100.0)
6,385.5
(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 shares.

Breakdown of Environmental Health Business Loans Outstanding by Industry

(Unit: billion yen, %)

  FY2008 FY2009 FY2010 FY2011 FY2012
Restaurant-related services 264.1
(48.2)
233.8
(47.6)
207.9
(47.0)
183.2
(46.4)
165.9
(46.6)
Hotels 115.7
(21.1)
104.9
(21.4)
95.2
(21.5)
85.5
(21.6)
73.5
(20.7)
Beauty parlors 76.0
(13.9)
69.9
(14.2)
65.5
(14.8)
61.1
(15.5)
58.7
(16.5)
Barbershops 42.9
(7.8)
37.7
(7.7)
33.3
(7.5)
29.1
(7.4)
25.6
(7.2)
Public bath 28.0
(5.1)
25.6
(5.2)
23.1
(5.2)
20.6
(5.2)
18.1
(5.1)
Laundries 13.5
(2.5)
12.0
(2.5)
10.8
(2.4)
9.8
(2.5)
8.9
(2.5)
Meat shops 3.7
(0.7)
3.3
(0.7)
3.0
(0.7)
3.5
(0.9)
3.1
(0.9)
Entertainment facilities 2.4
(0.4)
2.4
(0.5)
2.3
(0.5)
1.8
(0.5)
1.5
(0.4)
Others 1.2
(0.2)
1.2
(0.3)
1.2
(0.3)
0.3
(0.1)
0.2
(0.1)
Total 548.1
(100.0)
491.2
(100.0)
442.7
(100.0)
395.2
(100.0)
355.9
(100.0)
Note :
Figures in parentheses denote percentage shares.

Breakdown of Outstanding Loans by Use

(Unit: billion yen, %)

  FY2008 FY2009 FY2010 FY2011 FY2012
Working fund 3,570.9
(54.7)
3,999.8
(61.2)
4,292.9
(65.6)
4,381.5
(67.9)
4,347.8
(68.1)
Equipment fund 2,962.1
(45.3)
2,531.0
(38.8)
2,248.7
(34.4)
2,067.9
(32.1)
2,037.6
(31.9)
Total 6,533.1
(100.0)
6,530.8
(100.0)
6,541.7
(100.0)
6,449.5
(100.0)
6,385.5
(100.0)
Note 1:
Breakdown is for total of General Loans and Environmental Health Business Loans.
Note 2:
Figures in parentheses denote percentage shares.

Number of Business Loan Borrowers

(Unit: number of companies)

  FY2008 FY2009 FY2010 FY2011 FY2012
Borrowers 1,135,110 1,084,043 1,030,910 989,697 958,282
Note :
Loans comprise General Loans and Environmental Health Business Loans.

Average Loans Outstanding per Borrower

(Unit: thousand yen)

  FY2008 FY2009 FY2010 FY2011 FY2012
Average loans outstanding per borrower 5,755 6,024 6,345 6,516 6,663
Note :
Loans comprise General Loans and Environmental Health Business Loans.

Educational Loans Outstanding, etc.

(Unit: billion yen)

  FY2008 FY2009 FY2010 FY2011 FY2012
Educational Loans 974.9 932.6 903.5 869.4 843.7
Loans Secured by Government Pensions and Mutual Pensions,etc. 30.1 27.5 24.3 21.3 18.5

Breakdown of Loans by Credit Amount

(Unit: number of loans, %)

  FY2008 FY2009 FY2010 FY2011 FY2012
Up to 3 million yen 115,962
(36.4)
106,525
(31.2)
105,367
(33.1)
91,472
(32.8)
91,091
(33.0)
Over 3 million yen and up to 5 million yen 69,891
(21.9)
66,327
(19.4)
61,391
(19.3)
54,851
(19.7)
51,811
(18.8)
Over 5 million yen and up to 8 million yen 47,169
(14.8)
51,267
(15.0)
44,721
(14.0)
38,434
(13.8)
37,587
(13.6)
Over 8 million yen 85,615
(26.9)
117,463
(34.4)
106,862
(33.6)
94,022
(33.7)
95,513
(34.6)
Total 318,637
(100.0)
341,582
(100.0)
318,341
(100.0)
278,779
(100.0)
276,002
(100.0)
Note 1:
Figures up to September 2008 are based on data from the former National Life Finance Corporation.
Note 2:
Loans comprise General Loans and Environmental Health Business Loans.
Note 3:
Figures in parentheses denote percentage shares.

Breakdown of Loans by Number of Employees of Borrowers

(Unit: number of loans, %)

  FY2008 FY2009 FY2010 FY2011 FY2012
4 or less 207,975
(65.3)
221,528
(64.8)
209,917
(65.9)
184,596
(66.2)
183,363
(66.4)
5-9 67,061
(21.0)
73,039
(21.4)
67,046
(21.1)
58,213
(20.9)
57,805
(20.9)
10-19 28,029
(8.8)
30,985
(9.1)
27,353
(8.6)
23,832
(8.5)
23,251
(8.4)
20 or more 15,546
(4.9)
16,008
(4.7)
14,010
(4.4)
12,132
(4.4)
11,575
(4.2)
Total 318,611
(100.0)
341,560
(100.0)
318,326
(100.0)
278,773
(100.0)
275,994
(100.0)
Note 1:
Figures up to September 2008 are based on data from the former National Life Finance Corporation.
Note 2:
Loans comprise General Loans and Environmental Health Business Loans.
Note 3:
Figures in parentheses denote percentage shares.

Breakdown of Loans by Type of Collateral

(Unit: number of loans, %)

  FY2008 FY2009 FY2010 FY2011 FY2012
No-collateral 256,390
(80.6)
267,088
(78.3)
245,023
(77.0)
215,024
(77.2)
204,363
(74.1)
Collateral Real estate (including partial collateral) 61,659
(19.4)
74,105
(21.7)
73,038
(23.0)
63,559
(22.8)
71,463
(25.9)
Securities 44
(0.0)
37
(0.0)
32
(0.0)
26
(0.0)
29
(0.0)
Credit Guarantee Corporations 16
(0.0)
0
(0.0)
0
(0.0)
0
(0.0)
0
(0.0)
Others 3
(0.0)
1
(0.0)
1
(0.0)
1
(0.0)
0
(0.0)
Total 318,112
(100.0)
341,231
(100.0)
318,094
(100.0)
278,610
(100.0)
275,855
(100.0)
Note 1:
Figures up to September 2008 are based on data from the former National Life Finance Corporation.
Note 2:
Loans comprise General Loans and Environmental Health Business Loans.
Note 3:
Figures in parentheses denote percentage of shares.
Note 4:
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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