Investor Presentaiton
7. Individual Loans: Credit Cards
Yields on individual loans
Balance of housing loans
(Billion yen)
10.0%
9.85%
10.11%
10.33%
10.48%
Card loans
(excl. education
loans)
800.0
8.0%
761.0
716.7
663.1
608.6
Fixed interest rate
over whole term
6.0%
609.9
574.4
400.0
518.5
456.3
3.55%
3.44%
3.41%
Consumer loans
4.0%
3.29%
Card loans
(education loans)
Fixed interest rates for
2.0%
3.01%
2.92%
2.84%
2.81%
Housing loans
other terms and
variable rate
152.2
144.6
142.2
151.0
1.31%
1.22%
1.15%
0.0%
End-Mar. End-Mar.
2018
2019
End-Mar.
1.10%
End-Mar.
0
2020
2021
End-Mar.
2018
End-Mar.
2019
End-Mar.
2020
End-Mar.
2021
Monthly credit-card use
(Thousand yen)
36
34
=4
32
32
33
33
33
33
35
35
55
Credit card use rate by month
60.0%
57.8%
56.8%
56.8%
55.9%
55.0%
50
30
50.0%
FY2017
FY2018
FY2019
FY2020
FY2017
FY2018
FY2019
FY2020
8
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