Borrowing and Investment Corporation Bonds
Short-term Loans
Not applicable as of March 31, 2026
Long-term Loans
（As of March 31, 2026）
| Lender | Loan Balance (JPY1M) |
Date of Borrowing |
Redemption | Interest Rate |
Remarks | |
|---|---|---|---|---|---|---|
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. SBI Shinsei Bank, Limited Resona Bank, Limited |
4,250 | August 01, 2017 | September 30, 2026 | 1M TIBOR + 60bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited Mizuho Bank, Ltd. |
3,900 | September 28, 2018 | September 30, 2027 | 1M TIBOR + 60bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation SBI Shinsei Bank, Limited Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited Development Bank of Japan Inc. |
7,500 | April 08, 2019 | March 31, 2027 | 1M TIBOR + 55bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation SBI Shinsei Bank, Limited Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited The Nomura Trust and Banking Co., Ltd. Development Bank of Japan Inc. The Bank of Fukuoka, Ltd. Aozora Bank, Ltd. The Nishi-Nippon City Bank, Ltd. |
18,000 | April 08, 2019 | March 31, 2028 | 1M TIBOR + 60bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation SBI Shinsei Bank, Limited Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited Development Bank of Japan Inc. The Bank of Fukuoka, Ltd. The Nomura Trust and Banking Co., Ltd. |
5,600 | September 30, 2019 | September 30, 2027 | 1M TIBOR + 55bps | Unsecured | |
| The Tokyo Star Bank, Limited | 1,000 | March 31, 2023 | March 31, 2028 | 1M TIBOR + 70bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Aozora Bank, Ltd. The Chiba Bank, Ltd. |
3,250 | June 30, 2023 | June 30, 2026 | 1M TIBOR + 60bps | Unsecured | |
| Aozora Bank, Ltd. MUFG Bank, Ltd Kansai Mirai Bank, Limited |
700 | September 27, 2023 | September 30, 2026 | 1M TIBOR + 50bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. SBI Shinsei Bank, Limited Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited Development Bank of Japan Inc. Aozora Bank, Ltd. The Minato Bank, Ltd. The Tokyo Star Bank, Limited The Shizuoka Bank, Ltd. Kansai Mirai Bank, Limited |
6,300 | September 27, 2023 | September 27, 2028 | 1M TIBOR + 60bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. SBI Shinsei Bank, Limited Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited Development Bank of Japan Inc. Aozora Bank, Ltd. The Shizuoka Bank, Ltd. |
9,275 | September 29, 2023 | September 30, 2027 | 1M TIBOR + 50bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. SBI Shinsei Bank, Limited Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited Aozora Bank, Ltd. The Tokyo Star Bank, Limited The Shizuoka Bank, Ltd. |
10,687 | September 29, 2023 | September 28, 2029 | 1M TIBOR + 65bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation | 900 | October 20, 2023 | March 31, 2027 | 1M TIBOR + 50bps | Unsecured | |
| Mizuho Bank, Ltd. The Minato Bank, Ltd. |
2,900 | October 20, 2023 | September 28, 2029 | 1M TIBOR + 65bps | Unsecured | |
| Development Bank of Japan Inc. MUFG Bank, Ltd |
1,200 | December 22, 2023 | September 29, 2028 | 1M TIBOR + 50bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited MUFG Bank, Ltd |
2,800 | December 22, 2023 | September 28, 2029 | 1M TIBOR + 55bps | Unsecured | |
| Sompo Japan Insurance Inc. | 1,000 | March 29, 2024 | March 31, 2027 | 0.82375％（※1） | Unsecured | |
| Development Bank of Japan Inc. SBI Shinsei Bank, Limited Sumitomo Mitsui Banking Corporation Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited The Nishi-Nippon City Bank, Ltd. |
4,050 | March 29, 2024 | March 31, 2027 | 1M TIBOR + 40bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation SBI Shinsei Bank, Limited Resona Bank, Limited Sumitomo Mitsui Trust Bank, Limited The Chiba Bank, Ltd. |
4,000 | March 29, 2024 | March 30, 2029 | 1M TIBOR + 50bps | Unsecured | |
| MUFG Bank, Ltd | 800 | March 29, 2024 | March 30, 2029 | 1.165％（※1） | Unsecured | |
| Sumitomo Mitsui Banking Corporation Resona Bank, Limited Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited The Chiba Bank, Ltd. Mizuho Bank, Ltd. The Bank of Fukuoka, Ltd. |
14,839 | March 29, 2024 | March 29, 2030 | 1M TIBOR + 55bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. SBI Shinsei Bank, Limited Sumitomo Mitsui Trust Bank, Limited Kansai Mirai Bank, Limited The Hokuriku Bank, Ltd. The Minato Bank, Ltd. Aozora Bank, Ltd. |
3,300 | March 29, 2024 | March 29, 2030 | 1M TIBOR + 55bps | Unsecured | |
| Development Bank of Japan Inc. Bank of the Ryukyus, Limited The Nishi-Nippon City Bank, Ltd. |
1,950 | July 31, 2024 | March 30, 2029 | 1M TIBOR + 50bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited The Bank of Fukuoka, Ltd. The Chiba Bank, Ltd. Kansai Mirai Bank, Limited Aozora Bank, Ltd. The Shizuoka Bank, Ltd |
5,850 | July 31, 2024 | March 29, 2030 | 1M TIBOR + 55bps | Unsecured | |
| MUFG Bank, Ltd. | 500 | July 31, 2024 | March 29, 2030 | 1.40380％（※1） | Unsecured | |
| Mizuho Bank, Ltd. Sumitomo Mitsui Banking Corporation Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited SBI Shinsei Bank, Limited Daiwa Next Bank, Ltd. Aozora Bank, Ltd. The Minato Bank, Ltd. Kansai Mirai Bank, Limited The Bank of Okinawa,Ltd. |
12,700 | July 31, 2024 | March 31, 2031 | 1M TIBOR+60bps | Unsecured | |
| MUFG Bank, Ltd | 1,000 | July 31, 2024 | March 31, 2031 | 1.51536％（※1） | Unsecured | |
| MUFG Bank, Ltd | 2,000 | July 30, 2024 | March 29, 2030 | 1.41311％（※1） | Unsecured | |
| The Hiroshima Bank, Ltd. The Chiba Bank, Ltd. |
1,600 | September 30, 2024 | September 28, 2029 | 1M TIBOR+50bps | Unsecured | |
| MUFG Bank, Ltd Sumitomo Mitsui Trust Bank, Limited Development Bank of Japan Inc. Aozora Bank, Ltd. |
3,100 | September 30, 2024 | September 30, 2032 | 1M TIBOR+65bps | Unsecured | |
| MUFG Bank, Ltd Sumitomo Mitsui Trust Bank, Limited Aozora Bank, Ltd. |
1,400 | September 30, 2024 | September 30, 2032 | 1M TIBOR+65bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited Development Bank of Japan Inc. The Chiba Bank, Ltd. The Nishi-Nippon City Bank, Ltd. Rakuten Bank, Ltd. |
12,850 | February 21, 2025 | March 30, 2029 | 1M TIBOR+40bps | Unsecured | |
| MUFG Bank, Ltd | 1,600 | February 21, 2025 | March 30, 2029 | 1.57757%（※1） | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited Development Bank of Japan Inc. Aozora Bank, Ltd. The Minato Bank, Ltd. Kansai Mirai Bank, Limited Daiwa Next Bank, Ltd. The Bank of Okinawa, Ltd. The Higo Bank, Ltd. |
17,100 | February 21, 2025 | September 30, 2030 | 1M TIBOR+50bps | Unsecured | |
| MUFG Bank, Ltd | 1,900 | February 21, 2025 | September 30, 2030 | 1.75354%（※1） | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. SBI Shinsei Bank, Limited Sumitomo Mitsui Trust Bank, Limited Resona Bank, Limited Development Bank of Japan Inc. The Tokyo Star Bank, Limited |
18,400 | February 21, 2025 | September 30, 2032 | 1M TIBOR+60bps | Unsecured | |
| MUFG Bank, Ltd | 1,900 | February 21, 2025 | September 30, 2032 | 1.95717%（※1） | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited Development Bank of Japan Inc. The Bank of Fukuoka, Ltd |
3,600 | March 31, 2025 | March 31, 2028 | 1M TIBOR+35bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited Development Bank of Japan Inc. |
4,400 | March 31, 2025 | March 31, 2034 | 1M TIBOR+65bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited Resona Bank, Limited MUFG Bank, Ltd. The Bank of Fukuoka, Ltd. The Chiba Bank, Ltd. The Nishi-Nippon City Bank, Ltd. Daiwa Next Bank, Ltd. The Senshu Ikeda Bank, Ltd. |
7,000 | September 30, 2025 | September 29, 2028 | 1M TIBOR+30bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited Resona Bank, Limited MUFG Bank, Ltd. Development Bank of Japan Inc. Aozora Bank, Ltd. The Bank of Fukuoka, Ltd. The Nishi-Nippon City Bank, Ltd. Kansai Mirai Bank, Limited |
8,000 | September 30, 2025 | September 30, 2031 | 1M TIBOR+45bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited Resona Bank, Limited MUFG Bank, Ltd. Development Bank of Japan Inc. The Bank of Fukuoka, Ltd. The Chiba Bank, Ltd. The Senshu Ikeda Bank, Ltd. |
7,000 | September 30, 2025 | September 29, 2034 | 1M TIBOR+60bps | Unsecured | |
| MUFG Bank, Ltd. | 1,000 | November 20, 2025 | September 30, 2031 | 1M TIBOR+45bps | Unsecured | |
| Mizuho Bank, Ltd. | 2,500 | January 30, 2026 | September 30, 2031 | 1M TIBOR+45bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited MUFG Bank, Ltd. Development Bank of Japan Inc. The Chiba Bank, Ltd. |
22,000 | March 13, 2026 | March 15, 2027 | 12M TIBOR+25bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited MUFG Bank, Ltd. Resona Bank, Limited Development Bank of Japan Inc. Daiwa Next Bank, Ltd. |
8,000 | March 13, 2026 | March 31, 2028 | 1M TIBOR+27.5bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited MUFG Bank, Ltd. Resona Bank, Limited Development Bank of Japan Inc. Kansai Mirai Bank, Limited Daiwa Next Bank, Ltd. |
10,000 | March 13, 2026 | March 29, 2030 | 1M TIBOR+35bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited SBI Shinsei Bank, Limited MUFG Bank, Ltd. Resona Bank, Limited Development Bank of Japan Inc. The Chiba Bank, Ltd. Kansai Mirai Bank, Limited Daiwa Next Bank, Ltd. |
25,000 | March 13, 2026 | March 31, 2031 | 1M TIBOR+40bps | Unsecured | |
| MUFG Bank, Ltd. Aozora Bank, Ltd. The Chiba Bank, Ltd. The Hiroshima Bank, Ltd. |
4,100 | March 31, 2026 | March 31, 2031 | 1M TIBOR+40bps | Unsecured | |
| Sumitomo Mitsui Banking Corporation Mizuho Bank, Ltd. Sumitomo Mitsui Trust Bank, Limited MUFG Bank, Ltd. Resona Bank, Limited Development Bank of Japan Inc. Aozora Bank, Ltd. Daiwa Next Bank, Ltd. |
10,900 | March 31, 2026 | March 31, 2033 | 1M TIBOR+50bps | Unsecured | |
| Total | 303,601 | |||||
| (*) | Short term loan: Loan due within one year /Long term loan: Loan due more than one year |
|---|---|
| (※1) | Fixed interest rate |
Lender List for Interest-Bearing Debt
（As of March 31, 2026）
| Name | Balance (JPY1M) |
Percentage |
|---|---|---|
| Sumitomo Mitsui Banking Corporation | 77,733 | 25.6% |
| Mizuho Bank, Ltd. | 55,970 | 18.4% |
| Sumitomo Mitsui Trust Bank, Limited | 37,535 | 12.4% |
| MUFG Bank, Ltd | 29,100 | 9.6% |
| SBI Shinsei Bank, Limited | 25,358 | 8.4% |
| Resona Bank, Limited | 21,182 | 7.0% |
| Development Bank of Japan Inc. | 14,755 | 4.9% |
| Aozora Bank, Ltd. | 5,952 | 2.0% |
| The Bank of Fukuoka, Ltd. | 4,936 | 1.6% |
| The Chiba Bank, Ltd. | 4,832 | 1.6% |
| The Tokyo Star Bank, Limited | 4,060 | 1.3% |
| Daiwa Next Bank, Ltd. | 4,000 | 1.3% |
| Kansai Mirai Bank, Ltd. | 3,500 | 1.2% |
| The Nishi-Nippon City Bank, Ltd. | 3,400 | 1.1% |
| The Minato Bank, Ltd. | 2,400 | 0.8% |
| The Hiroshima Bank, Ltd. | 1,800 | 0.6% |
| The Nomura Trust and Banking Co., Ltd. | 1,500 | 0.5% |
| Sompo Japan Insurance Inc. | 1,000 | 0.3% |
| The Bank of Okinawa,Ltd. | 1,000 | 0.3% |
| Rakuten Bank, Ltd. | 1,000 | 0.3% |
| The Shizuoka Bank, Ltd. | 788 | 0.3% |
| Bank of The Ryukyus, Limited | 500 | 0.2% |
| The Higo Bank, Ltd. | 500 | 0.2% |
| The Senshu Ikeda Bank, Ltd. | 500 | 0.2% |
| The Hokuriku Bank, Ltd. | 300 | 0.1% |
| Total | 303,601 | 100.0% |
Investment Corporation Bonds
（As of May 12, 2026)
| Name | Balance (JPY1M) |
Interest Rate |
Issue Date | Redepmtion | Rating | Remarks |
|---|---|---|---|---|---|---|
| Seventh unsecured investment corporation bonds of JHR (with pari passu covenants among investment corporation bonds) |
9,000 | 0.600% | November 29, 2016 | November 27, 2026 | AA－ | Unsecured |
| Eighth unsecured investment corporation bonds of JHR (Pari passu covenants between investment corporation bonds are attached.) |
1,100 | 0.600% | November 29, 2016 | November 27, 2026 | AA－ | Unsecured |
| Tenth unsecured investment corporation bonds of JHR (with pari passu covenants among investment corporation bonds) |
10,000 | 0.840% | February 21, 2018 | February 21, 2028 | AA－ | Unsecured |
| Eleventh unsecured investment corporation bonds of JHR (with pari passu covenants among investment corporation bonds) |
8,000 | 0.854% | June 14, 2019 | June 14, 2029 | AA－ | Unsecured |
| Fourteenth unsecured investment corporation bonds of JHR (Pari passu covenants between investment corporation bonds are attached.) (Green Bond) |
1,800 | 2.052% | September 11, 2025 | September 10, 2032 | AA－ | Unsecured |
| Fifteenth unsecured investment corporation bonds of JHR (Pari passu covenants between investment corporation bonds are attached.) |
800 | 1.783% | September 11, 2025 | September 11, 2030 | AA－ | Unsecured |
| Total | 30,700 | |||||
