ANNUAL REPORT 2011 for the year ended March 31, 2011

Six-Year Summary of Selected Financial Data

(As of and for the years ended March 31)

    Millions of yen Thousands of
U.S. dollars
(Note 6)
2011 2010 2009 2008 2007 2006 2011
CONSOLIDATED
For the year:
             
Operating revenues (Note 1) ¥ 285,713 ¥ 306,856 ¥ 327,089 ¥ 345,587 ¥ 333,683 ¥ 274,666 $ 3,436,112
Selling, general and administrative expenses 235,759 246,306 268,658 265,494 242,149 193,126 2,835,338
Financial cost 22,577 24,377 23,883 22,902 16,333 11,965 271,523
Operating income 27,377 36,173 34,548 57,191 75,201 69,575 329,251
Net income (loss) 12,830 18,680 (55,514) 26,756 14,822 42,220 154,294
At year-end:              
Total equity (Note 2) ¥ 347,916 ¥ 341,405 ¥ 320,594 ¥ 418,661 ¥ 399,828 ¥ 377,127 $ 4,184,197
Total assets 2,231,247 2,374,130 2,407,064 2,450,637 2,299,607 2,062,612 26,833,997
Interest-bearing debt (Note 3) 1,657,832 1,776,827 1,893,017 1,854,057 1,608,307 1,480,380 19,937,847
Per share data
(in yen and U.S. dollars):
             
Net income (loss) per share ¥ 69.86 ¥ 102.48 ¥ (308.25) ¥ 148.78 ¥ 82.79 ¥ 237.29 $ 0.84
Equity per share 1,879.98 1,845.82 1,766.95 2,147.04 2,077.69 2,013.85 22.61
Key financial ratios (%):              
Return on shareholders' equity (ROE) 3.8 5.7 - 7.1 4.0 12.8  
Return on assets (ROA) 0.6 0.8 - 1.1 0.7 2.4  
Shareholders' equity ratio 15.5 14.3 13.2 15.8 16.2 17.5  
NON-CONSOLIDATED
For the year:
             
Operating revenues (Note 1) ¥ 239,657 ¥ 257,925 ¥ 270,901 ¥ 277,741 ¥ 270,275 ¥ 216,453 $ 2,882,224
Selling, general and administrative expenses 194,194 205,042 220,709 223,816 204,765 156,887 2,335,477
Financial cost 19,977 22,221 21,531 20,322 14,067 9,700 240,255
Operating income 25,484 30,661 28,661 33,603 51,442 49,886 306,492
Net income (loss) 7,596 16,138 (44,973) 24,579 10,221 27,131 91,358
At year-end:              
Total equity (Note 2) ¥ 320,303 ¥ 319,712 ¥ 304,231 ¥ 361,520 ¥ 349,754 ¥ 341,423 $ 3,852,117
Total assets 2,097,773 2,200,460 2,220,792 2,066,514 1,962,996 1,761,666 25,228,786
Interest-bearing debt (Note 3) 1,571,610 1,645,207 1,748,246 1,554,630 1,350,134 1,239,043 18,900,912
Per share data (in yen and U.S. dollars) (Note 2):              
Net income (loss) per share ¥ 41.34 ¥ 88.40 ¥ (249.40) ¥ 136.51 ¥ 57.03 ¥ 152.21 $ 0.49
Equity per share 1,743.50 1,738.31 1,686.70 2,006.89 1,945.22 1,904.13 20.96
Dividends per share 30.00 30.00 30.00 28.00 28.00 26.00 0.36
Key financial ratios (%):              
Return on equity (ROE) 2.4 5.2 - 7.0 3.0 8.5  
Return on assets (ROA) 0.4 0.7 - 1.2 0.6 1.8  
Equity ratio 15.3 14.5 13.7 17.5 17.8 19.4  
NON-CONSOLIDATED
Transaction Volume:
             
Card shopping ¥3,953,411 ¥3,844,671 ¥3,891,076 ¥3,758,545 ¥3,433,872 ¥2,527,808 $47,545,539
Cash advances (Note 4) 371,403 604,348 765,385 836,623 - - 4,466,674
Shopping loans 4,286 5,617 5,785 6,092 5,693 6,952 51,545
Guarantees 73,375 85,637 107,532 103,303 85,431 62,097 882,450
Specialty loans 36,514 43,768 326,170 279,970 1,058,335 739,038 439,134
Agency services (Note 5) 1,362,275 1,310,420 1,347,261 1,269,579 809,992 747,998 16,383,354
Leases 92,709 100,893 100,272 88,273 87,488 90,011 1,114,972
Others 18,608 17,764 16,692 16,187 10,700 9,794 223,788
Total volume of new contracts ¥5,912,587 ¥6,013,118 ¥6,560,174 ¥6,358,573 ¥5,491,515 ¥4,183,698 $71,107,480

Notes:

1. Operating revenues do not include consumption taxes.

2. Effective from the year ended March 31, 2007, the Company adopted "Accounting Standard for Presentation of Net Assets in the Balance Sheet" (ASBJ Statement No. 5) and "Implementation Guidance on Accounting Standard for Presentation of Net Assets in the Balance Sheet" (ASBJ Guidance No. 8).

3. Interest-bearing debt includes asset-backed securities.

4. Transaction volumes for cash advances for 2006 to 2007 are included under specialty loans.

5. Agency services shows transactions handled on behalf of other companies' cards.

6. Japanese yen amounts have been translated into U.S. dollars at the rate of ¥83.15 = U.S.$1, the approximate exchange rate on March 31, 2011, for the convenience of the reader.

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