OperationsMicro Business and Individual Unit

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

(Billion yen, %)

  End of
FY2019		 End of
FY2020		 End of
FY2021		 End of
FY2022		 End of
FY2023
Manufacturing 574.2
(9.3)		 1,043.0
(8.8)		 1,023.4
(8.7)		 977.9
(8.7)		 888.7
(8.7)
Wholesale & Retail 1,293.6
(20.9)		 2,362.7
(19.9)		 2,320.3
(19.8)		 2,220.0
(19.8)		 2,033.7
(19.8)
Restaurants & Hotels 580.7
(9.4)		 1,475.1
(12.4)		 1,448.3
(12.3)		 1,372.4
(12.3)		 1,254.4
(12.2)
Services 1,525.4
(24.6)		 3,106.8
(26.2)		 3,098.3
(26.4)		 2,971.4
(26.5)		 2,743.8
(26.7)
Construction 911.1
(14.7)		 1,870.1
(15.7)		 1,880.1
(16.0)		 1,811.1
(16.2)		 1,667.7
(16.2)
Others 1,313.6
(21.2)		 2,016.7
(17.0)		 1,964.2
(16.7)		 1,847.9
(16.5)		 1,684.6
(16.4)
Total 6,198.8
(100.0)		 11,874.6
(100.0)		 11,734.8
(100.0)		 11,201.0
(100.0)		 10,273.3
(100.0)
Notes:
  1. Loans comprise General Loans and Environmental Health Business Loans.
  2. Industries are in accordance with the Japan Standard Industrial Classification as revised in March 2002.
  3. Figures in parentheses denote percentage of shares.

Breakdown of Environmental Health Business Loans Outstanding by Industry

(Billion yen, %)

  End of
FY2019		 End of
FY2020		 End of
FY2021		 End of
FY2022		 End of
FY2023
Restaurant-related services 178.0
(51.9)		 233.0
(54.4)		 222.7
(54.3)		 211.7
(54.4)		 200.2
(54.6)
Beauty parlors 73.1
(21.3)		 89.9
(21.0)		 88.8
(21.6)		 85.4
(21.9)		 81.0
(22.1)
Hotels 53.9
(15.7)		 63.2
(14.8)		 59.6
(14.5)		 55.1
(14.2)		 51.0
(13.9)
Barbershops 19.4
(5.7)		 21.6
(5.0)		 20.4
(5.0)		 19.0
(4.9)		 17.6
(4.8)
Public baths 8.0
(2.4)		 7.6
(1.8)		 6.9
(1.7)		 6.4
(1.6)		 6.0
(1.6)
Laundries 6.7
(2.0)		 8.5
(2.0)		 8.0
(1.9)		 7.6
(2.0)		 6.9
(1.9)
Meat shops 2.4
(0.7)		 2.9
(0.7)		 2.8
(0.7)		 2.6
(0.7)		 2.5
(0.7)
Entertainment facilities 0.5
(0.2)		 0.7
(0.2)		 0.6
(0.1)		 0.6
(0.2)		 0.6
(0.2)
Others 0.3
(0.1)		 0.3
(0.1)		 0.3
(0.1)		 0.2
(0.1)		 0.2
(0.1)
Total 342.8
(100.0)		 428.0
(100.0)		 410.4
(100.0)		 389.1
(100.0)		 366.5
(100.0)
Note:
Figures in parentheses denote percentage of shares.

Breakdown of Outstanding Loans by Use

(Billion yen, %)

  End of
FY2019		 End of
FY2020		 End of
FY2021		 End of
FY2022		 End of
FY2023
Operating funds 3,891.8
(62.8)		 10,071.6
(84.8)		 10,073.4
(85.8)		 9,632.6
(86.0)		 8,767.9
(85.3)
Facility funds 2,307.0
(37.2)		 1,803.0
(15.2)		 1,661.4
(14.2)		 1,568.3
(14.0)		 1,505.3
(14.7)
Total 6,198.8
(100.0)		 11,874.6
(100.0)		 11,734.8
(100.0)		 11,201.0
(100.0)		 10,273.3
(100.0)
Notes:
  1. Loans comprise General Loans and Environmental Health Business Loans.
  2. Figures in parentheses denote percentage of shares.

Number of Borrowers

(Number of borrowers)

  End of
FY2019		 End of
FY2020		 End of
FY2021		 End of
FY2022		 End of
FY2023
Number of borrowers 881,026 1,177,346 1,197,384 1,197,327 1,170,623
Note:
Loans comprise General Loans and Environmental Health Business Loans.

Average Loan Balance per Business

(Thousand yen)

  End of
FY2019		 End of
FY2020		 End of
FY2021		 End of
FY2022		 End of
FY2023
Average loan balance per business 7,036 10,085 9,800 9,355 8,775
Note:
Loans comprise General Loans and Environmental Health Business Loans.

Educational Loans Outstanding, etc.

(Billion yen)

  End of
FY2019		 End of
FY2020		 End of
FY2021		 End of
FY2022		 End of
FY2023
Educational Loans 973.6 963.9 958.5 954.0 938.2
Loans Secured by Governmental Pensions and Mutual Pensions,etc. 5.8 4.2 2.8 1.2 0.4

Breakdown of Loans by Credit Amount

(Number of loans, %)

  FY2019 FY2020 FY2021 FY2022 FY2023
Up to 3 million yen 87,643
(34.2)		 229,761
(26.6)		 80,952
(32.2)		 71,898
(34.7)		 68,020
(36.1)
Over 3 million yen and up to 5 million yen 52,774
(20.6)		 151,201
(17.5)		 48,677
(19.3)		 41,443
(20.0)		 38,403
(20.4)
Over 5 million yen and up to 8 million yen 34,586
(13.5)		 102,930
(11.9)		 34,259
(13.6)		 27,116
(13.1)		 24,659
(13.1)
Over 8 million yen 80,994
(31.6)		 379,998
(44.0)		 87,856
(34.9)		 66,696
(32.2)		 57,103
(30.3)
Total 255,997
(100.0)		 863,890
(100.0)		 251,744
(100.0)		 207,153
(100.0)		 188,185
(100.0)
Notes:
  1. Loans comprise General Loans and Environmental Health Business Loans.
  2. Figures in parentheses denote percentage of shares.

Breakdown of Loans by Number of Employees of Borrowers

(Number of loans, %)

  FY2019 FY2020 FY2021 FY2022 FY2023
4 or fewer 166,749
(65.1)		 564,073
(65.3)		 185,748
(73.8)		 151,568
(73.2)		 134,821
(71.6)
5-9 51,647
(20.2)		 167,596
(19.4)		 39,944
(15.9)		 33,512
(16.2)		 31,539
(16.8)
10-19 23,108
(9.0)		 80,433
(9.3)		 16,783
(6.7)		 14,018
(6.8)		 13,760
(7.3)
20 or more 14,489
(5.7)		 51,785
(6.0)		 9,269
(3.7)		 8,055
(3.9)		 8,065
(4.3)
Total 255,993
(100.0)		 863,887
(100.0)		 251,744
(100.0)		 207,153
(100.0)		 188,185
(100.0)
Notes:
  1. Loans comprise General Loans and Environmental Health Business Loans.
  2. Figures in parentheses denote percentage of shares.

Breakdown of Loans by Type of Collateral

(Number of loans, %)

  FY2019 FY2020 FY2021 FY2022 FY2023
No-collateral 223,441
(87.3)		 857,271
(99.2)		 247,087
(98.2)		 203,107
(98.1)		 183,512
(97.5)
Collateral Real estate (including partial collateral) 32,522
(12.7)		 6,602
(0.8)		 4,640
(1.8)		 4,033
(1.9)		 4,657
(2.5)
Securities 4
(0.0)		 1
(0.0)		 -
(-)		 1
(0.0)		 1
(0.0)
Credit Guarantee Corporations(CGCs) -
(-)		 -
(-)		 -
(-)		 -
(-)		 -
(-)
Others -
(-)		 -
(-)		 -
(-)		 -
(-)		 -
(-)
Total 255,967
(100.0)		 863,874
(100.0)		 251,727
(100.0)		 207,141
(100.0)		 188,170
(100.0)
Notes:
  1. Loans comprise General Loans and Environmental Health Business Loans.
  2. Figures in parentheses denote percentage of shares.
  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".