Borrowings & Bonds Infomation

Finance Strategy

ADR's principal finance policy is to extend remaining duration, to fix interest rates and to diversify maturities of interest- bearing liabilities.
Our loan-to-value’s (LTV) guideline limits are ; 50% for appraisal LTV, 53% for total assets LTV.

Key Figures on Debts

As of January 31 2021

Total amount of debts

220,788mil. yen
Ave. maturity

4.8year
Fixed interest debt ratio

98%
Avg. interest rate

0.69%
Total assets LTV

48.1%

Appraisal LTV

35.6%
Credit Ratings

R&I

AA-（Stable）

JCR

AA（Stable）

Borrowing Information

（As of March 31, 2021）

Term	Lender	Loan Balance （mm yen）	Interest Rate （％）	Drawdown Date	Repayment Deadline	Repay- ment Method	Remarks

13 years	Sumitomo Life Insurance Company	700	0.55	2019/10/31	2032/10/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Trust & Banking	1,500	0.4413	2021/2/16	2031/2/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Bank, Ltd.	2,900	0.4413	2021/2/16	2031/2/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	270	0.35	2021/2/16	2031/2/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
11 years	Mizuho Bank, Ltd.	1,000	0.46058	2020/2/14	2031/2/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Resona Bank, Limited	500	0.362 （Note1）	2021/1/29	2031/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Bank of Fukuoka, Ltd. The Nishi-Nippon City Bank,Ltd	900	0.4013	2021/1/29	2031/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	600	0.32	2021/1/29	2031/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Development Bank of Japan	2,200	0.3875	2020/11/30	2030/11/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Bank, Ltd.	1,500	0.3938	2020/10/20	2030/10/18	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years 1months	Mizuho Trust & Banking	1,000	0.3788	2020/9/30	2030/9/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years 1months	The Yamaguchi Bank, Ltd.	500	0.3925	2020/6/18	2030/6/18	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years 1months	The 77 Bank, Ltd.	1,000	0.3963	2020/3/27	2030/3/27	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	2,000	0.41	2020/3/24	2030/3/22	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited Shinkin Central Bank	3,000	0.4388	2020/3/24	2030/3/22	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Resona Bank, Limited	1,370	0.4 （Note1）	2020/3/24	2030/3/22	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Bank, Ltd. Mizuho Trust & Banking	4,250	0.385	2020/2/14	2030/2/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Yamaguchi Bank, Ltd.	500	0.32	2019/12/18	2029/12/18	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Bank, Ltd.	1,200	0.3925	2019/11/29	2029/11/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Shinsei Bank	1,000	0.4425	2019/11/29	2029/11/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Nishi-Nippon City Bank,Ltd	500	0.3075	2019/9/30	2029/9/28	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	1,300	0.36	2019/6/28	2029/6/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
11 years	Sumitomo Mitsui Trust Bank, Limited	890	0.69815	2018/6/29	2029/6/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited	800	0.385	2019/6/28	2029/6/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited	2,200	0.63883	2018/11/30	2028/11/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	1,300	0.6	2018/11/30	2028/11/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Bank, Ltd. Mizuho Trust & Banking	2,000	0.6163	2018/11/30	2028/11/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Nishi-Nippon City Bank,Ltd.	500	0.7038	2018/9/28	2028/9/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The 77 Bank, Ltd.	500	0.7038	2018/9/28	2028/9/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	The Norinchukin Bank	1,000	0.2263	2020/9/30	2028/9/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Nippon Life Insurance Company	1,000	0.665	2018/9/11	2028/9/11	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Development Bank of Japan The Nishi-Nippon City Bank,Ltd.	1,900	0.6625	2018/7/31	2028/7/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
11 years	Sumitomo Mitsui Trust Bank, Limited	1,000	0.67	2017/4/25	2028/4/25	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Bank, Ltd.	1,500	0.595	2018/4/13	2028/4/13	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 8months	MUFG Bank, Ltd.	1,000	0.487	2018/7/31	2028/3/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 11months	MUFG Bank, Ltd.	1,500	0.495	2018/4/27	2028/3/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
12 years	Sumitomo Mitsui Trust Bank, Limited	500	0.74525 （Note1）	2016/4/14	2028/3/24	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
12 years	Sumitomo Mitsui Trust Bank, Limited	1,000	0.7675 （Note1）	2016/3/24	2028/3/24	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited Mizuho Bank, Ltd. The Yamaguchi Bank, Ltd. Shinkin Central Bank	2,500	0.6088	2018/3/20	2028/3/17	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	500	0.56	2018/3/20	2028/3/17	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Bank of Fukuoka, Ltd.	500	0.6313	2018/2/28	2028/2/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years	The Chiba Bank, Ltd.	1,000	0.1825	2020/11/30	2027/11/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	2,850	0.54	2018/2/28	2027/9/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	500	0.51	2017/9/11	2027/8/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Nishi-Nippon City Bank,Ltd. The Bank of Fukuoka,Ltd. The Iyo Bank,Ltd. The Bank of Kyoto,Ltd. Shinkin Central Bank	2,500	0.55385	2017/9/11	2027/8/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited JAPAN POST INSURANCE Co., Ltd.	1,500	0.55385	2017/9/11	2027/8/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Development Bank of Japan	1,000	0.5713	2017/5/31	2027/5/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited Mitsubishi UFJ Trust and Banking Corporation	4,000	0.5975	2017/4/28	2027/4/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Development Bank of Japan	1,400	0.555	2017/4/25	2027/4/23	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 10months	MUFG Bank, Ltd.	2,500	0.52	2017/4/28	2027/2/26	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	1,000	0.58	2017/1/31	2027/1/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	1,250	0.41	2017/1/31	2027/1/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited	2,250	0.6088	2017/1/31	2027/1/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited	1,000	0.6288	2017/1/31	2027/1/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years 10months	Mizuho Bank, Ltd.	400	0.6288	2016/4/14	2027/1/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years 10months	Mizuho Bank, Ltd. Mizuho Trust & Banking	1,650	0.6288	2016/3/24	2027/1/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years 11months	Sumitomo Mitsui Trust Bank, Limited Mizuho Bank, Ltd.	2,070	0.6588	2016/2/29	2027/1/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 6months	Mitsubishi UFJ Trust and Banking Corporation	1,700	0.53945	2017/4/28	2026/10/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 4months	MUFG Bank, Ltd.	1,000	0.47	2017/4/28	2026/8/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Shinsei Bank	1,000	0.4715 （Note1）	2018/7/31	2026/7/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Mizuho Bank, Ltd.	500	0.4675	2018/7/31	2026/7/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Yamaguchi Bank, Ltd. The Bank of Fukuoka, Ltd.	1,500	0.36	2016/7/29	2026/7/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 11months	MUFG Bank, Ltd.	500	0.51	2016/4/14	2026/3/24	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	1,000	0.5372	2016/3/24	2026/3/24	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	990	0.545	2016/2/29	2026/2/28	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years 5months	The Nishi-Nippon City Bank,Ltd. The Bank of Fukuoka,Ltd. The Iyo Bank,Ltd. The Chugoku Bank,Ltd. Shinkin Central Bank	2,500	0.41639	2017/9/11	2026/2/27	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years 10months	MUFG Bank, Ltd.	1,200	0.43	2017/4/25	2026/2/25	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	Resona Bank, Limited	1,000	0.5038	2017/1/31	2026/1/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 10months	Resona Bank, Limited	900	0.5238	2016/3/24	2026/1/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years 11months	Mitsubishi UFJ Trust and Banking Corporation	2,500	0.5738	2016/2/29	2026/1/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mitsubishi UFJ Trust and Banking Corporation	1,000	0.84 （Note1）	2015/12/18	2025/12/18	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	The Norinchukin Bank	1,500	0.4488	2016/11/30	2025/11/28	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Taiyo Life Insurance Company	1,500	0.4163	2017/9/29	2025/9/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited	400	0.849 （Note1）	2015/9/14	2025/8/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	MUFG Bank, Ltd.	400	0.921	2015/9/14	2025/8/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	The Bank of Fukuoka, Ltd.	1,000	0.26	2016/7/29	2025/7/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Development Bank of Japan	2,300	1.0379 （Note1）	2015/6/25	2025/6/25	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years	Sumitomo Mitsui Trust Bank, Limited	2,100	0.3788	2018/4/27	2025/4/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	The Yamaguchi Bank, Ltd.	500	0.996 （Note1）	2015/4/14	2025/4/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Nippon Life Insurance Company	1,000	0.996 （Note1）	2015/4/14	2025/4/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Mizuho Trust & Banking	1,200	1.046 （Note1）	2015/3/19	2025/3/19	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years	The Bank of Fukuoka, Ltd.	500	0.375	2018/2/28	2025/2/28	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
11 years	MUFG Bank, Ltd.	500	1.59325 （Note1）	2014/2/17	2025/2/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
6 years 6months	Shinsei Bank	1,000	0.364 （Note1）	2018/7/31	2025/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
6 years 6months	Sumitomo Mitsui Banking Corporation	650	0.3694	2018/7/31	2025/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years 10months	Mitsubishi UFJ Trust and Banking Corporation	1,150	0.4513	2016/3/24	2025/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Development Bank of Japan	1,150	0.49	2021/2/26	2025/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years 11months	Sumitomo Mitsui Banking Corporation	2,800	0.19265	2021/2/26	2025/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Taiyo Life Insurance Company	1,500	0.24	2016/11/30	2024/11/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	The Norinchukin Bank	1,000	0.3825	2016/11/30	2024/11/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Development Bank of Japan	1,850	1.178 （Note1）	2014/9/30	2024/9/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	The Iyo Bank, Ltd. The Chugoku Bank, Ltd. The Bank of Kyoto, Ltd.	1,300	0.2	2016/7/29	2024/7/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
5 years 6months	Sumitomo Mitsui Banking Corporation	700	0.2994	2018/11/30	2024/5/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	Mizuho Trust & Banking	1,400	0.876 （Note1）	2015/4/14	2024/4/12	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited MUFG Bank, Ltd.	1,000	1.43825 （Note1）	2014/2/17	2024/2/16	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years	Sumitomo Mitsui Banking Corporation	1,200	0.14	2020/12/25	2023/12/25	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	The Norinchukin Bank The Bank of Fukuoka, Ltd.	2,000	0.605 （Note1）	2015/12/18	2023/12/18	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years	Sumitomo Mitsui Banking Corporation	1,500	0.14	2020/12/1	2023/12/1	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years	Mitsui Sumitomo Insurance Company, Limited	1,000	0.3175	2016/11/30	2023/11/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
10 years	Sumitomo Mitsui Trust Bank, Limited	2,600	1.474 （Note1）	2013/11/15	2023/11/15	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	Development Bank of Japan	1,500	1.0175 （Note1）	2014/9/30	2023/9/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years	Sumitomo Mitsui Trust Bank, Limited	500	0.22318 （Note2）	2020/9/11	2023/9/11	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Resona Bank, Limited The Nishi - Nippon City Bank,Ltd	1,800	0.727 （Note1）	2015/8/31	2023/8/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	The Yamaguchi Bank, Ltd.	500	0.72725 （Note1）	2015/4/14	2023/4/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	The Norinchukin Bank Mizuho Trust & Banking	2,700	0.74725 （Note1）	2015/4/14	2023/4/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years	Sumitomo Mitsui Trust Bank, Limited	920	0.22318 （Note2）	2020/3/24	2023/3/24	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	Sumitomo Mitsui Trust Bank, Limited MUFG Bank, Ltd. Mizuho Bank, Ltd. Sumitomo Mitsui Banking Corporation	3,660	1.2831 （Note1）	2014/2/17	2023/2/16	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	MUFG Bank, Ltd. Aozora Bank, Ltd. Resona Bank, Limited	2,700	0.885 （Note1）	2015/1/30	2023/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	Sumitomo Mitsui Banking Corporation	3,550	1.3676 （Note1）	2013/11/15	2022/11/15	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Aozora Bank, Ltd.	1,000	0.8495 （Note1）	2014/10/31	2022/10/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years 6months	Mizuho Trust & Banking	1,200	0.68675 （Note1）	2015/4/14	2022/10/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years 11months	Sumitomo Mitsui Trust Bank, Limited MUFG Bank, Ltd. The Nishi-Nippon City Bank,Ltd	1,500	0.8155 （Note1）	2014/8/1	2022/7/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years 5months	Shinsei Bank	1,000	1.315 （Note1）	2013/12/19	2022/6/17	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years 6months	Sumitomo Mitsui Banking Corporation	1,560	0.2469	2018/11/30	2022/5/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years	The Gunma Bank, Ltd.	1,000	0.628 （Note1）	2015/5/29	2022/5/27	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years 5months	Aozora Bank, Ltd.	700	0.7635 （Note1）	2014/10/31	2022/4/28	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years	The Iyo Bank,Ltd. The Tokyo Tomin Bank, Limited. The 77 Bank, Ltd.	1,700	0.62075 （Note1）	2015/4/14	2022/4/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Sumitomo Mitsui Trust Bank, Limited MUFG Bank, Ltd. Mizuho Bank, Ltd. Mizuho Trust & Banking	5,800	1.07775 （Note1）	2014/2/17	2022/2/16	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years 6months	Shinsei Bank	500	0.22068 （Note2）	2018/7/31	2022/1/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years 5months	Mizuho Bank, Ltd.	2,160	1.63 （Note1）	2013/6/25	2021/12/22	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
9 years	Development Bank of Japan	2,200	1.4	2012/11/30	2021/11/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years 11months	Aozora Bank, Ltd.	1,800	1.163 （Note1）	2013/11/29	2021/11/26	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years 6months	Sumitomo Mitsui Trust Bank, Limited MUFG Bank, Ltd. Sumitomo Mitsui Banking Corporation	6,100	1.25425 （Note1）	2013/4/30	2021/10/29	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
1 years	Sumitomo Mitsui Trust Bank, Limited	500	0.17818 （Note2）	2020/9/11	2021/9/10	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
1 years 9months	Sumitomo Mitsui Banking Corporation	1,200	0.21818 （Note2）	2019/11/29	2021/8/31	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
6 years 5months	MUFG Bank, Ltd. Resona Bank, Limited The Bank of Fukuoka, Ltd.	1,600	0.6255 （Note1）	2015/1/30	2021/6/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
8 years	Aozora Bank, Ltd. Resona Bank, Limited	2,298	1.5415 （Note1）	2013/6/25	2021/6/25	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
7 years 6months	Shinsei Bank	700	1.104 （Note1）	2013/12/19	2021/6/18	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
3 years	Sumitomo Mitsui Banking Corporation	800	0.265	2018/4/27	2021/4/30	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
6 years	The Norinchukin Bank	1,000	0.4955 （Note1）	2015/4/14	2021/4/14	Lump sum repay-ment at maturity	Unsecured &Unguaranteed
Total		186,788

（Note 1）The loan interest rates shown are the fixed real interest rates based on the interest rate swap agreements entered into for the purpose of fixing the interest rates.
（Note 2）Until March 31, 2020.

Bond Issuances