Loans and Bonds

As of February 29, 2024

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Loan Date Lender Loan Amount
(JPY M)
Interest
Rate
Redemption Date Maturity
May 10, 2017 SMBC 1,100 0.85250%¹
November 10, 2024 7.5 years
May 10, 2017 Mizuho Bank 1,000 0.85250%¹
November 10, 2024 7.5 years
May 10, 2017 SBI Shinsei Bank 900 0.85250%¹
November 10, 2024 7.5 years
May 10, 2017 Resona Bank 400 0.85250%¹
November 10, 2024 7.5 years
November 7, 2017 SMBC
Mizuho Bank
MUFG Bank
Resona Bank
SBI Shinsei Bank
Aozora Bank
2,380 0.94875%¹
October 31, 2025 8.0 years
April 27, 2018 SMBC
Mizuho Trust & Banking
Aozora Bank
SBI Shinsei Bank
Resona Bank
3,954 0.99000%¹
April 30, 2026 8.0 years
May 9, 2018 SMBC
Mizuho Bank
SBI Shinsei Bank
MUFG Bank
The Bank of Fukuoka
Nishi-Nippon City Bank
The Kagawa Bank
2,000 0.79500%¹
April 30, 2024 6.0 years
June 15, 2018 SMBC
Mizuho Bank
SBI Shinsei Bank
MUFG Bank
Aozora Bank
Resona Bank
The Kagawa Bank
2,946 0.86000%¹
November 11, 2024 6.4 years
October 31, 2018 SMBC 1,000 0.96250%¹
April 30, 2026 7.5 years
October 31, 2018 Mizuho Bank 400 1M JPY
TIBOR+0.65%
(floating)
April 30, 2026 7.5 years
October 31, 2018 SBI Shinsei Bank 200 1M JPY
TIBOR+0.65%
(floating)
April 30, 2026 7.5 years
November 30, 2018 SMBC
Mizuho Bank
SBI Shinsei Bank
Aozora Bank
2,866 0.97500%¹
September 30, 2026 7.8 years
December 21, 2018 SMBC
Aozora Bank
1,400 0.90750%¹
September 30, 2026 7.8 years
December 28, 2018 SMBC
Mizuho Bank
SBI Shinsei Bank
MUFG Bank
Development Bank of Japan
1,600 0.85000%¹
April 30, 2026 7.3 years
April. 26, 2019 SMBC 1,000 0.86700%¹
September 25, 2026 7.4 years
April. 26, 2019 Resona Bank 1,000 0.86700%¹
September 25, 2026 7.4 years
April. 26, 2019 The Bank of Fukuoka 1,000 0.86700%¹
September 25, 2026 7.4 years
July 31, 2019 SMBC
Mizuho Bank
SBI Shinsei Bank
Aozora Bank
Resona Bank
ORIX Bank
4,955 0.82200%¹
March 25, 2027 7.7 years
July 31, 2019 Kagawa Bank 413 0.69825%¹
September 25, 2025 6.2 years
September 30, 2019 SMBC 692 0.72600%¹
March 25, 2026 6.5 years
November 29, 2019 SMBC
Mizuho Bank
SBI Shinsei Bank
MUFG Bank
2,472 0.84425%¹
September 25, 2027 7.8 years
December 16, 2019 SMBC
Mizuho Bank
SBI Shinsei Bank
MUFG Bank
Aozora Bank
Resona Bank
5,384 0.87600%¹
September 25, 2027 7.8 years
March 31, 2020 The Kagawa Bank 955 3M JPY
TIBOR+0.59%
(floating)
March 25, 2027 7.0 years
May 29, 2020 SMBC
SBI Shinsei Bank
Mizuho Bank
MUFG Bank
2,000 0.74000%¹
March 25, 2027 6.8 years
August 31, 2020 Aozora Bank 2,127 0.82800%¹
August 25, 2028 8.0 years
August 31, 2020 SBI Shinsei Bank 998 0.72200%¹
March 25, 2027 6.6 years
August 31, 2020 SBI Shinsei Bank 1,000 0.82800%¹
August 25, 2028 8.0 years
August 31, 2020 Mizuho Bank 400 0.82800%¹
August 25, 2028 8.0 years
December 10, 2020 SMBC
MUFG Bank
Risona Bank
Mizuho Bank
SBI Shinsei Bank
Aozora Bank
2,701 0.56920%¹
September 25, 2025 4.8 years
December 10, 2020 SMBC
Mizuho Bank
SBI Shinsei Bank
Aozora Bank
2,670 0.78775%¹
November 25, 2028 8.0 years
December 18, 2020 SMBC 800 0.80200%¹
November 25, 2028 7.9 years
December 18, 2020 Mizuho Bank 700 0.80200%¹
November 25, 2028 7.9 years
December 18, 2020 The Bank of Yokohama 500 0.80200%¹
November 25, 2028 7.9 years
March 31, 2021 SMBC
MUFG Bank
Mizuho Bank
The Bank of Yokohama
Mizuho Trust & Banking
1,756 1M JPY
TIBOR+0.41%
(floating)
September 25, 2024 3.5 years
March 31, 2021 SMBC
Mizuho Bank
Aozora Bank
Resona Bank
Mizuho Trust & Banking
3,097 0.87600%¹
March 25, 2029 8.0 years
May 7, 2021 SMBC
MUFG Bank
The Bank of Fukuoka
Mizuho Bank
The Bank of Yokohama
2,436 1M JPY
TIBOR+0.41%
(floating)
September 25, 2024 3.4 years
May 7, 2021 SMBC
Mizuho Bank
Resona Bank
Aozora Bank
SBI Shinsei Bank
The Bank of Yokohama
1,442 0.73345%¹
March 25, 2028 6.9 years
May 7, 2021 SMBC
Mizuho Bank
Resona Bank
SBI Shinsei Bank
Aozora Bank
3,747 0.81985%¹
May 25, 2029 8.1 years
September 30, 2021 Development Bank of Japan 500 0.76433% September 25, 2028 7.0 years
November 8, 2021 SMBC
Mizuho Bank
MUFG Bank
The Bank of Fukuoka
The Bank of Yokohama
2,546 0.61250%¹
September 25, 2026 4.9 years
November 8, 2021 SMBC
Mizuho Bank
Resona Bank
SBI Shinsei Bank
Aozora Bank
The Bank of Yokohama
1,676 0.72020%¹
March 25, 2028 6.4 years
November 8, 2021 SMBC
Mizuho Bank
Resona Bank
SBI Shinsei Bank
Aozora Bank
4,899 0.83300%¹
November 25, 2029 8.1 years
January 31, 2022 Development Bank of Japan 500 0.86000% January 25, 2029 7.0 years
May 31, 2022 SMBC
Mizuho Bank
MUFG Bank
The Bank of Fukuoka
Nishi-Nippon City Bank
2,589 0.71770%¹
May 25, 2027 5.0 years
May 31, 2022 SMBC
Mizuho Bank
Resona Bank
SBI Shinsei Bank
Aozora Bank
Nishi-Nippon City Bank
1,564 0.81630%¹
May 25, 2025 6.0 years
May 31, 2022 SMBC
Mizuho Bank
Resona Bank
SBI Shinsei Bank
Aozora Bank
Nishi-Nippon City Bank
5,476 1.01930%¹
May 27, 2030 8.0 years
June 20, 2022 SMBC 950 1.10760%¹
May 25, 2029 6.9 years
June 20, 2022 Mizuho Bank 950 1.10760%¹
May 25, 2029 6.9 years
November 30, 2022 SMBC
Mizuho Bank
SBI Shinsei Bank
MUFG Bank
Resona Bank
The Bank of Fukuoka
Nishi-Nippon City Bank
4,641 0.95800%¹
November 25, 2027 5.0 years
November 30, 2022 SMBC
Mizuho Bank
SBI Shinsei Bank
Aozora Bank
3,278 1.03600%¹
August 25, 2028 5.7 years
November 30, 2022 SMBC
Mizuho Bank
Aozora Bank
Resona Bank
1,700 1.60900%¹
September 25, 2032 9.8 years
January 27, 2023 SMBC
700 1.72300%¹
January 25, 2032 9.0 years
January 27, 2023 Mizuho Bank
600 1.72300%¹
January 25, 2032 9.0 years
January 27, 2023 The Bank of Fukuoka
200 1.40500%¹
October 25, 2029 6.7 years
January 27, 2023 Nishi-Nippon City Bank
300 1.40500%¹
October 25, 2029 6.7 years
May 10, 2023 Development Bank of Japan 2,000 1.10883% September 25, 2029 6.3 years
September 25, 2023 SMBC
Mizuho Bank
MUFG Bank
SBI Shinsei Bank
1,004 1.16000%¹
April 25, 2028 4.6 years
September 25, 2023 SMBC
Mizuho Bank
SBI Shinsei Bank
2,043 1.64400%¹
July 25, 2031 7.8 years
October 31, 2023 SMBC
Mizuho Bank
MUFG Bank
SBI Shinsei Bank
The Bank of Fukuoka
Resona Bank
813 1.20200%¹
May 25, 2028 4.6 years
October 31, 2023 SMBC
Mizuho Bank
The Bank of Fukuoka
Resona Bank
Kansai Mirai Bank
787 1.77300%¹
October 25, 2031 8.0 years
October 31, 2023 SMBC
1,000 1.77200%¹
October 25, 2031 8.0 years
February 29, 2024 SMBC
500 1.52200%¹
October 25, 2031 7.7 years
February 29, 2024 Mizuho Bank
400 1.52200%¹
October 25, 2031 7.7 years
Total / Average 108,007 0.91105%

¹ Fixed via interest rate swap
² The average interest rate is calculated using the latest reference rate for floating interest rates.

Issue Date Name Issue Amount
(JPY million)
Interest Rate Redemption Date Maturity
September 22, 2017 First Unsecured Investment
Corporation Bonds
1,200 0.90000% September 22, 2027 10.0 years
April 26, 2018 Second Unsecured Investment
Corporation Bonds
1,000 0.90000% April 26, 2028 10.0 years
November 29, 2018 Third Unsecured Investment
Corporation Bonds
1,000 0.75000% November 28, 2025 7.0 years
July 26, 2019 Fourth Unsecured Investment
Corporation Bonds
1,200 0.89000% July 26, 2029 10.0 years
March 26, 2020 Fifth Unsecured Investment
Corporation Bonds
1,000 0.30000% March 26, 2025 5.0 years
May 6, 2021 Sixth Unsecured Investment
Corporation Bonds
1,500 0.85000% May 2, 2031 10.0 years
November 20, 2023 First Callable Unsecured Investment
Corporation Bonds
350 1.00000% November 20, 2033 10.0 years
Total / Average 7,250 0.78938%
Total Interest-Bearing Liabilities / Average 115,257 0.90340%

Lender Distribution

Lender Distribution

Distribution of Fixed vs. Floating Rate

Distribution of Fixed vs. Floating Rate

* Includes fixed via interest rate swaps

Distribution of Loan and Bond Maturities

Distribution of Loan and Bond Maturities

Note: The distribution of loan repayment dates is calculated based on the total loans outstanding as of the maturity date of each loan.