Investor Presentaiton
Interest-Bearing Liabilities (As of August 31, 2023)
Short-Term Loans
Lender
Outstanding balance at
end of period
Average
The 77 Bank, Ltd.
interest rate
Draw down date Repayment date
Sumitomo Mitsui Banking Corporation
Resona Bank, Limited.
2,500
500
0.19%
0.19%
Mizuho Bank, Ltd.
2,000
Sumitomo Mitsui Trust Bank, Limited
2,000
Sumitomo Mitsui Banking Corporation
Resona Bank, Limited.
1,500
1,000
Mizuho Bank, Ltd.
500
Oct. 7,2022
Oct. 14,2022
0.19% Apr. 7,2023 Mar. 29,2024
0.20% Aug. 31,2023. Aug. 30,2024
0.20% Aug. 31,2023 Aug. 30,2024
Aug. 31,2023 Aug. 30,2024
0.20% Aug. 31,2023 Aug. 30,2024
Oct. 6,2023
Oct. 13,2023
Sumitomo Mitsui Trust Bank, Limited
MUFG Bank, Ltd.
500
500
0.68% Aug. 31,2022
500
Sumitomo Mitsui Banking Corporation
The Bank of Fukuoka, Ltd.
1,000
0.83%
0.83%
0.43%
1,000
0.42%
Nov. 30,2022
Nov. 30,2022
Jan. 19,2022
Jan. 31,2020|
Aug. 29,2025
Nov. 28,2025
Nov. 28,2025
Jan. 19,2026
Jan. 30,2026
Development Bank of Japan Inc.
500
0.47%
Jan. 19,2021
Jan. 19,2028
Resona Bank, Limited.
1,000
0.91%
Mar. 1,2023
Feb. 29,2028
The Ashikaga Bank, Ltd.
1,000
0.91%
Mar. 1,2023
Feb. 29,2028
Development Bank of Japan Inc.
1,500
0.91%
Mar. 1,2023
Mar. 1,2028
MUFG Bank, Ltd.
1,500
0.53%
Mar. 31,2021
Mar. 31,2028
Sumitomo Mitsui Banking Corporation
Sumitomo Mitsui Banking Corporation
Sumitomo Mitsui Banking Corporation
1,500
0.47%
Feb. 28,2022
Feb. 27,2026
Sumitomo Mitsui Banking Corporation
1,500
0.54%
Apr. 9,2021
Apr. 7,2028
1,500
1,000
Sumitomo Mitsui Trust Bank, Limited
1,500
Total
10,000
Sumitomo Mitsui Trust Bank, Limited
1,000
SBI Shinsei Bank, Limited
1,000
0.63%
Long-Term Loans
The Chiba Bank, Ltd
500
0.62%
The Yamanashi Chuo Bank, Ltd
500
0.62%
Development Bank of Japan Inc.
1,000
0.41%
Lender
Outstanding balance at
end of period
Development Bank of Japan Inc.
Resona Bank, Limited.
500
1,000
Mizuho Bank, Ltd.
2,000
Mizuho Bank, Ltd.
1,000
Sumitomo Mitsui Banking Corporation
2,000
Sumitomo Mitsui Banking Corporation
1,000
Development Bank of Japan Inc.
1,500
Resona Bank, Limited.
1,000
Average
Draw down date |Repayment date
interest rate
0.54% Sep. 29,2017 Sep. 29,2023
0.46% Oct. 18,2016 Oct. 18,2023
0.64% Nov. 30,2016 Nov. 30,2023
0.30% Nov. 30,2020| Nov. 30,2023
0.64% Nov. 30,2016 Nov. 30,2023
0.30% Nov. 30,2020 Nov. 30,2023
0.64% Nov. 30,2016 Nov. 30,2023
0.29% Nov. 30,2020
The Bank of Fukuoka, Ltd.
1,000
0.53%
The Nishi-Nippon City Bank, Ltd.
Nippon Life Insurance Company
500
500
0.50% Mar. 1,2023
0.52% Feb. 28,2019
0.41% Feb. 26,2021
0.50% Aug. 31,2022
Mar. 1,2023
Mar. 1,2023
Mar. 1,2023.
Mar. 12,2021
Apr. 21,2023
Apr. 24,2023
Feb. 27,2026
Sumitomo Mitsui Banking Corporation
1,500
0.51%
Oct. 11,2019
Apr. 11,2028
Feb. 27,2026
Aozora Bank, Ltd.
1,000
0.71%
Apr. 11,2022
Apr. 11,2028
Feb. 27,2026
Mizuho Bank, Ltd.
1,500
0.51%
Oct. 17,2019
Apr. 17,2028
Feb. 27,2026
Sumitomo Mitsui Trust Bank, Limited.
1,000
0.84% Aug. 31,2023
May. 31,2028
Feb. 27,2026
MUFG Bank, Ltd.
1,000
0.99%
Mar. 1,2023
Aug. 31,2028
Feb. 27,2026
Feb. 27,2026
SBI Shinsei Bank, Limited
1,000
0.53% Aug. 31,2020
Aug. 31,2028
The 77 Bank, Ltd.
1,000
0.54% Aug. 31,2020
Aug. 31,2028
Mar. 12,2026
Nippon Life Insurance Company
1,000
0.76% May. 31,2023
Aug. 31,2028
Mar. 31,2026|
Mitsui Sumitomo Insurance Company, Limited
1,500
0.59%
Oct. 29,2021
Oct. 31,2028
Resona Bank, Limited.
1,000
Aozora Bank, Ltd.
500
Sumitomo Mitsui Banking Corporation
2,000
0.52%
0.36% Sep. 30,2020|
0.39% Apr. 22,2021
0.72% Apr. 24,2018
0.75% Aug. 31,2022
Mar. 31,2026
Mizuho Bank, Ltd.
2,000
1.07%
Feb. 28,2023
Feb. 28,2029
Mar. 31,2026
Mizuho Bank, Ltd.
1,000
1.07%
Mar. 1,2023
Feb. 28,2029
Apr. 22,2026
Development Bank of Japan Inc.
3,000
0.71%
Feb. 28,2022
Feb. 28,2029
Apr. 24,2026
Mizuho Trust & Banking co., Ltd.
1,000
1.07%
Feb. 28,2023
May. 29,2026
Mizuho Trust & Banking co., Ltd.
1,000
Fixed
Feb. 28,2029
1.07%
Mar. 1,2023
Feb. 28,2029
Mizuho Bank, Ltd.
1,000.
Sumitomo Mitsui Trust Bank, Limited
1,000
Resona Bank, Limited.
500
Nov. 30,2023
MUFG Bank, Ltd.
3,000
Mizuho Bank, Ltd.
3,000
0.17% Aug. 30, 2019
Feb. 29,2024
Sumitomo Mitsui Trust Bank, Limited
2,000
0.55%
Mizuho Bank, Ltd.
2,000
0.33%
Nov. 29,2019
Feb. 29,2024
Mizuho Bank, Ltd.
1,000
0.36%
Development Bank of Japan Inc.
1,500
0.64%
Aozora Bank, Ltd.
2,000
0.54%
Feb. 28,2017
Mar. 11,2016
Feb. 29,2024
Development Bank of Japan Inc.
1,000
0.75% Aug. 31,2022
0.75% Aug. 31,2022
0.39% May. 31,2021
0.70% Mar. 1,2023
Aug. 31,2022
Sep. 2,2019
0.33% Aug. 30,2019
May. 29,2026
Aozora Bank, Ltd.
1,000
1.07%
Mar. 1,2023
Feb. 28,2029
May. 29,2026
Mizuho Bank, Ltd.
1,000
0.82%
Apr. 11,2022
Apr. 11,2029
May. 29,2026
Aug. 31,2026
Aug. 31,2026
Aozora Bank, Ltd.
1,500
0.59%
Apr. 23,2021
Apr. 23,2029
Mizuho Bank, Ltd.
Mizuho Bank, Ltd.
500
1.02%
Aug. 31,2023
1,500
1.23%
Mar. 1,2023
Aug. 31,2026
Sumitomo Mitsui Banking Corporation
1,000
1.23%
Mar. 1,2023
Aug. 31,2029
Feb. 28,2030
Feb. 28,2030
Mar. 11,2024
The Nishi-Nippon City Bank, Ltd.
1,000
0.41%
Aug. 31,2020
Shinkin Central Bank
2,000
Sumitomo Mitsui Banking Corporation
3,000
0.57% Mar. 19,2018
0.27%
Mar. 19,2024
The 77 Bank, Ltd.
500
0.31%
Development Bank of Japan Inc.
2,000
0.36%
Oct. 9,2020
Apr. 11,2019
Apr. 9,2024
Nippon Life Insurance Company
500
0.40%
Apr. 11,2024
Mitsui Sumitomo Insurance Company, Limited
500
0.39%
Aug. 30,2019
Apr. 23,2021
Sep. 30,2020
Mizuho Bank, Ltd.
1,000
0.36%
Apr. 11,2019
Apr. 11,2024
Sumitomo Mitsui Banking Corporation
5,500
0.50%
Mizuho Bank, Ltd.
3,000
0.56%
Apr. 24,2018
Apr. 24,2024
Sumitomo Mitsui Trust Bank, Limited
1,000
0.42%
Feb. 28,2023
Dec. 24,2021
Aug. 31,2026
Aug. 31,2026
Aug. 31,2026
Sep. 18,2026
Sep. 30,2026
Nov. 30,2026
MUFG Bank, Ltd.
Mizuho Bank, Ltd.
Mizuho Bank, Ltd.
500
0.79%
Feb. 28,2022
Feb. 28,2030
3,500
1.07%
Apr. 12,2023
Mar. 29,2030
1,500
0.90%
Apr. 11,2022
Apr. 11,2030
MUFG Bank, Ltd.
2,000
0.92%
Apr. 13,2022
Apr. 12,2030
Sumitomo Mitsui Banking Corporation
1,000
0.65%
Dec. 24,2021
Jun. 24,2030
Sumitomo Mitsui Banking Corporation
1,500
0.76%
Jan. 19,2022
Jul. 19,2030
Dec. 24,2026
Mizuho Bank, Ltd.
2,500
1.18% Aug. 31,2023
Aug. 30,2030
The Bank of Fukuoka, Ltd.
1,000
0.56% May. 31,2018
Mizuho Bank, Ltd.
5,000
Mizuho Bank, Ltd.
1,000
MUFG Bank, Ltd.
3,000
0.36%
0.45%
0.52%
Sumitomo Mitsui Trust Bank, Limited
2,000
Sumitomo Mitsui Banking Corporation
1,000
Sumitomo Mitsui Banking Corporation
3,000
0.45%
0.45% Aug. 31,2021
0.29%
May. 31,2024
Nov. 29,2019 Aug. 30,2024
Aug. 31,2021 Aug. 30,2024
Nov. 30,2021
Aug. 31,2021
MUFG Bank, Ltd.
1,000
0.40%
Dec. 25,2020 Dec. 25,2026
Mizuho Bank, Ltd.
1,000
0.62% Aug. 31,2021
Aug. 30,2030
Resona Bank, Limited.
500
0.56%
Dec. 26,2019
Dec. 25,2026
Mizuho Bank, Ltd.
500
0.63% Aug. 30,2021
Aug. 30,2030
The Bank of Fukuoka, Ltd.
500
0.56%
Aug. 30,2024
Mizuho Bank, Ltd.
500
0.50%
Aug. 30,2024
The Bank of Fukuoka, Ltd.
1,000
0.51%
Dec. 26,2019
Jan. 19,2022
Jan. 31,2022
Aug. 30,2024
The Norinchukin Bank
3,000
0.38%
Feb. 28,2020
Dec. 25,2026
Jan. 19,2027
Jan. 29,2027
Feb. 26,2027
MUFG Bank, Ltd.
1,500
1.18%
Aug. 31,2023
Aug. 30,2030
Sumitomo Mitsui Banking Corporation
2,000
0.98%
Apr. 28,2022
Oct. 28,2030
Mizuho Bank, Ltd.
Mizuho Bank, Ltd.
1,500
0.66%
Aug. 31,2021
Feb. 28,2031
1,500
0.98%
Apr. 11,2022
Apr. 11,2031
Oct. 9,2020
Oct. 9,2024
Sumitomo Mitsui Trust Bank, Limited
1,500
0.59%
Aug. 31,2022
Feb. 26,2027
Total
200,500
Sumitomo Mitsui Banking Corporation
1,000
0.30%
Apr. 9,2021
Oct. 9,2024
The Ashikaga Bank, Ltd.
1,000
0.63%
Apr. 22,2022
Apr. 22,2027
Sumitomo Mitsui Trust Bank, Limited
3,000
0.53%
Development Bank of Japan Inc.
1,500
The Nishi-Nippon City Bank, Ltd.
500
Mizuho Bank, Ltd.
1,500
0.53%
0.43%
0.56%
Nov. 30,2021 Nov. 29,2024
Nov. 30,2021 Nov. 29,2024
Dec. 26,2019
Jan. 19,2018
Aozora Bank, Ltd.
500
0.45%
Dec. 24,2021
Jun. 24,2027
SUMITOMO LIFE INSURANCE COMPANY
500
0.59%
Dec. 26,2019
Jun. 25,2027
Dec. 26,2024
The Bank of Fukuoka, Ltd.
1,000
0.55%
Jan. 31,2022
Jul. 30,2027
Jan. 17,2025
MUFG Bank, Ltd.
3,000
0.84%
Mar. 1,2023
Aug. 31,2027
MUFG Bank, Ltd.
500
Sumitomo Mitsui Trust Bank, Limited
3,000
0.56% Jan. 19,2018
0.32% Feb. 28,2020
Jan. 17,2025
Sumitomo Mitsui Trust Bank, Limited
1,500
0.63%
Aug. 31,2022
Aug. 31,2027
Feb. 28,2025
Sumitomo Mitsui Trust Bank, Limited
1,000
Mizuho Bank, Ltd.
1,000
0.65%
Feb. 28,2018
Feb. 28,2025
Resona Bank, Limited.
1,000
Sumitomo Mitsui Banking Corporation:
1,000
0.65%
Feb. 28,2018
Feb. 28,2025
Resona Bank, Limited.
500
The Hachijuni Bank, Ltd.
1,000
0.34%
Feb. 28,2020 Feb. 28,2025
The Norinchukin Bank
1,500
MUFG Bank, Ltd.
500
0.65%
Development Bank of Japan Inc.
1,000
0.64%
Feb. 28,2018
Mar. 19,2018
Feb. 28,2025
The Nishi-Nippon City Bank, Ltd.
1,500
Mar. 19,2025
SUMITOMO LIFE INSURANCE COMPANY
500
Sumitomo Mitsui Banking Corporation
2,500
0.33%
Apr. 9,2021
Apr. 9,2025
The Dai-ichi Life Insurance Company,Limited
500
Sumitomo Mitsui Trust Bank, Limited
4,000
0.37%
Apr. 13,2020
Apr. 11,2025
Development Bank of Japan Inc.
1,000
MUFG Bank, Ltd.
1,000
0.32%
Sumitomo Mitsui Banking Corporation
3,000
MUFG Bank, Ltd.
3,000
Mizuho Trust & Banking co., Ltd..
2,000
Mizuho Trust & Banking co., Ltd..
500
Apr. 13,2021 Apr. 11,2025
0.46% Apr. 24,2019 Apr. 24,2025
0.68% Aug. 31,2018 Aug. 29,2025
0.68% Aug. 31,2022 Aug. 29,2025
0.30%
Sumitomo Mitsui Trust Bank, Limited
1,000
0.43%
0.74%
MUFG Bank, Ltd.
1,500
0.50%
Mizuho Bank, Ltd.
1,000
0.63%
Mizuho Bank, Ltd.
1,000
0.47%
Shinkin Central Bank
1,000
0.30%
Shinkin Central Bank
1,000
Sumitomo Mitsui Banking Corporation
500
0.68%
0.44% Aug. 31,2023 Aug. 29,2025|
Sep. 2,2019 Aug. 29,2025
Sep. 2,2019
Aug. 29,2025
Aug. 31,2022 Aug. 29,2025
Mizuho Bank, Ltd.
1,000
Mizuho Bank, Ltd.
500
Sumitomo Mitsui Trust Bank, Limited
1,500
0.55%
0.99%
0.99%
0.84%
-(Note1) Aug. 31,2023
0.48% Aug. 31,2020
0.38% Aug. 30,2019
0.48% Aug. 31,2020
0.38% Aug. 30,2019
0.56% Feb. 28,2022
Mar. 12,2020
Sep. 30,2022
Apr. 13,2021
Dec. 26,2019
Jan. 19,2021
Feb. 26,2021
Jan. 19,2023
Jan. 19,2023
Feb. 28,2023
Aug. 31,2027
Balance at end of |
Aug. 31,2027
Aug. 31,2027
Aug. 31,2027
Aug. 31,2027
Aug. 31,2027
Aug. 31,2027
Sep. 10,2027
Sep. 30,2027
Oct. 13,2027
Dec. 24,2027
Jan. 19,2028
Issue
13th unsecured investment corporation bonds
Interest rate
period
3,000
16th unsecured investment corporation bonds
6th unsecured investment corporation bonds
18th unsecured investment corporation bonds.
19th unsecured investment corporation bonds
14th unsecured investment corporation bonds
1,000
0.17%
0.11%
Issue date
Feb. 25,2021
Maturity date
Feb. 22,2024
Feb. 21,2022
Feb. 28,2025
1,000
1.07%
Feb. 26,2015
Feb. 26,2027
2,000
0.42%
Jun. 20,2022
Feb. 29,2028
3,000
0.79%
Feb. 17,2023
Feb. 28,2029
1,000
0.50%
Feb. 25,2021
Feb. 25,2031
17th unsecured investment corporation bonds
15th unsecured investment corporation bonds
9th unsecured investment corporation bonds
1,000
0.50%
Feb. 21,2022
Feb. 27,2032
1,000
0.75%
Feb. 25,2021
Feb. 25,2036
1,000
1.08%
Feb. 23,2017
Feb. 23,2037
Total
14,000
Jan. 19,2028
Jan. 19,2028
Jan. 19,2028
Development Bank of Japan Inc.
500
0.30%
Sep. 2,2019 Aug. 29,2025
Resona Bank, Limited.
500
0.30%
Sep. 2,2019 Aug. 29,2025
(Note) The short-term loans, long-term loans, and investment corporation bonds are all
unsecured and unguaranteed.
Total interest-bearing liabilities at the
end of the period: 224,500 million yen
Borrowed and issued during the 43rd period ended August 2023.
57View entire presentation