ANNUAL REPORT 2012 for the year ended March 31, 2012

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SIX-YEAR SUMMARY OF SELECT FINANCIAL DATA

As of and for the years ended March 31

    Millions of yen Thousands of
U.S. dollars
(Note 5)
2012 2011 2010 2009 2008 2007 2012
CONSOLIDATED
For the year:
             
Operating revenues (Note 1) ¥ 244,009 ¥ 285,713 ¥ 306,855 ¥ 327,089 ¥ 345,586 ¥ 333,683 $ 2,968,842
Selling, general and administrative expenses 192,185 235,759 246,305 268,658 265,493 242,149 2,338,300
Financial Costs 19,958 22,577 24,377 23,882 22,901 16,332 242,834
Operating income 31,866 27,377 36,173 34,548 57,191 75,201 387,707
Net income (loss) 9,454 12,830 18,680 (55,513) 26,755 14,821 115,022
At year-end:              
Total equity ¥ 355,727 ¥ 347,916 ¥ 341,405 ¥ 320,595 ¥ 418,661 ¥ 399,828 $ 4,382,122
Total assets 2,155,906 2,231,247 2,374,129 2,407,064 2,450,637 2,299,607 26,230,759
Interest-bearing debt (Note 2) 1,409,802 1,657,832 1,776,827 1,893,017 1,854,056 1,608,307 17,092,103
Per share data
(in yen and U.S. dollars):
             
Net income (loss) per share ¥ 51.48 ¥ 69.86 ¥ 102.48 ¥ (308.25) ¥ 148.78 ¥ 82.79 $ 0.63
Equity per share 1,920.65 1,879.98 1,845.82 1,766.95 2,147.04 2,077.69 23.37
Key financial ratios (%):              
Return on equity (ROE) 2.7 3.8 5.7 7.1 4.0  
Return on assets (ROA) 0.4 0.6 0.8 1.1 0.7  
Equity ratio 16.4 15.5 14.3 13.2 15.8 16.2  
NON-CONSOLIDATED
For the year:
             
Operating revenues (Note 1) ¥ 210,207 ¥ 239,657 ¥ 257,924 ¥ 270,900 ¥ 277,741 ¥ 270,275 $ 2,557,584
Selling, general and administrative expenses 153,505 194,194 205,042 220,708 223,815 204,765 1,867,691
Financial Costs 18,809 19,977 22,221 21,530 20,322 14,067 228,845
Operating income 37,893 25,484 30,661 28,661 33,603 51,442 461,044
Net income (loss) 5,613 7,596 16,137 (44,972) 24,578 10,221 68,302
At year-end:              
Total equity ¥ 322,502 ¥ 320,303 ¥ 319,712 ¥ 304,230 ¥ 361,519 ¥ 349,754 $ 3,923,865
Total assets 2,059,435 2,097,773 2,200,459 2,220,791 2,066,513 1,962,996 25,057,008
Interest-bearing debt (Note 2) 1,364,960 1,571,610 1,645,206 1,748,245 1,554,629 1,350,134 16,607,380
Key financial ratios (%):              
Return on equity (ROE) 1.8 2.4 5.2 6.9 3.0  
Return on assets (ROA) 0.3 0.4 0.7 1.2 0.5  
Equity ratio 15.7 15.3 14.5 13.7 17.5 17.8  

NON-CONSOLIDATED
Transaction Volume:
             
Card shopping ¥3,402,494 ¥3,953,411 ¥3,844,670 ¥3,891,076 ¥3,758,545 ¥3,433,872 $41,397,911
Cash advances(Note 3) 266,904 371,403 604,347 765,385 836,623 3,247,407
Specialty loans 34,597 36,514 43,768 326,170 279,970 1,058,335 420,946
Agency services (Note 4) 2,112,431 1,362,275 1,310,419 1,347,260 1,269,578 809,992 25,701,802
Leases 96,852 92,709 100,893 100,272 88,273 87,488 1,178,393
Guarantees 92,837 73,375 85,637 107,532 103,302 85,431 1,129,544
Others 20,482 22,894 23,380 22,475 22,278 16,393 249,207
Total transaction volume ¥6,026,599 ¥5,912,587 ¥6,013,118 ¥6,560,174 ¥6,358,572 ¥5,491,515 $73,325,212

Notes:

1. Operating revenues do not include consumption taxes.

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

3. Transaction volumes for cash advances for 2007 are included under specialty loans.

4. Agency services show transactions handled on behalf of other companies' cards.

5. Japanese yen amounts have been translated into U.S. dollars at the rate of ¥82.19 = U.S.$1, the approximate exchange rate on March 31, 2012, for the convenience of the reader.

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