Borrowings & Bonds Infomation

  1. TOP
  2. IR・INVESTOR INFO
  3. 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 July 31 2021

  • Total amount of debts

    220,509mil. yen

  • Ave. maturity

    4.9year

  • Fixed interest debt ratio

    98%

  • Avg. interest rate

    0.66%

  • Total assets LTV

    48.2%

    Appraisal LTV

    34.8%

  • Credit Ratings

    R&I
    AA-(Stable)
    JCR
    AA(Stable)

Borrowing Information

(As of December 31, 2021)

Term Lender Loan Balance
(mm yen)
Interest Rate
(%)
Drawdown
Date
Repayment
Deadline
Repay-
ment
Method
Remarks
10 years Mizuho Bank, Ltd. 2,160 0.003724
(Note1)
2021/12/22 2031/12/22 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 2,200 0.004875 2021/11/29 2031/11/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Aozora Bank, Ltd. 1,800 0.004875 2021/11/26 2031/11/26 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Banking Corporation 500 0.002325 2021/10/29 2024/10/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
4 years Sumitomo Mitsui Banking Corporation 1,000 0.002463 2021/10/29 2025/10/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 5months MUFG Bank, Ltd. 2,000 0.0036896 2021/10/29 2031/3/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
1 years Mizuho Bank, Ltd. 675 0.0038545
(Note2)
2021/10/7 2022/10/7 Lump sum repay-ment at maturity Unsecured &Unguaranteed
1 years Sumitomo Mitsui Trust Bank, Limited 1,012 0.0038545
(Note2)
2021/10/7 2022/10/7 Lump sum repay-ment at maturity Unsecured &Unguaranteed
1 years MUFG Bank, Ltd. 1,013 0.0038545
(Note2)
2021/10/7 2022/10/7 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years 11months Sumitomo Mitsui Banking Corporation 1,200 0.001763 2021/8/31 2025/8/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 7months Resona Bank, Limited 500 0.0025478
(Note1)
2021/6/30 2031/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Bank of Fukuoka, Ltd. 500 0.004363 2021/6/30 2031/6/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 9months MUFG Bank, Ltd. 700 0.0038294 2021/6/30 2031/3/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Aozora Bank, Ltd. 1,000 0.002775 2021/6/25 2029/6/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Resona Bank, Limited 919 0.002907
(Note1)
2021/6/25 2031/6/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Shinsei Bank 700 0.004325 2021/6/18 2031/6/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
4 years Sumitomo Mitsui Banking Corporation 800 0.0018 2021/4/30 2025/4/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Norinchukin Bank 1,000 0.003213 2021/4/14 2029/4/13 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 1,150 0.0049 2021/3/24 2031/3/24 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years 11months Sumitomo Mitsui Banking Corporation 2,800 0.0019265 2021/2/26 2025/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Trust & Banking 1,500 0.004413 2021/2/16 2031/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 2,900 0.004413 2021/2/16 2031/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 270 0.0035 2021/2/16 2031/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Resona Bank, Limited 500 0.00362
(Note1)
2021/1/29 2031/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Nishi-Nippon City Bank,Ltd 400 0.004013 2021/1/29 2031/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Bank of Fukuoka, Ltd. 500 0.004013 2021/1/29 2031/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 600 0.0032 2021/1/29 2031/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Banking Corporation 1,200 0.0014 2020/12/25 2023/12/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Banking Corporation 1,500 0.0014 2020/12/1 2023/12/1 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years The Chiba Bank, Ltd. 1,000 0.001825 2020/11/30 2027/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 2,200 0.003875 2020/11/30 2030/11/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,500 0.003938 2020/10/20 2030/10/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Norinchukin Bank 1,000 0.002263 2020/9/30 2028/9/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Trust & Banking 1,000 0.003788 2020/9/30 2030/9/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Trust Bank, Limited 500 0.0023045
(Note2)
2020/9/11 2023/9/11 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.003925 2020/6/18 2030/6/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The 77 Bank, Ltd. 1,000 0.003963 2020/3/27 2030/3/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Trust Bank, Limited 920 0.0023045
(Note2)
2020/3/24 2023/3/24 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Resona Bank, Limited 1,370 0.004
(Note1)
2020/3/24 2030/3/22 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Shinkin Central Bank 1,000 0.004388 2020/3/24 2030/3/22 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,000 0.004388 2020/3/24 2030/3/22 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 2,000 0.0041 2020/3/24 2030/3/22 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Trust & Banking 2,350 0.00385 2020/2/14 2030/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,900 0.00385 2020/2/14 2030/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
11 years Mizuho Bank, Ltd. 1,000 0.0046058 2020/2/14 2031/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.0032 2019/12/18 2029/12/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Shinsei Bank 1,000 0.004425 2019/11/29 2029/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,200 0.003925 2019/11/29 2029/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
13 years Sumitomo Life Insurance Company 700 0.0055 2019/10/31 2032/10/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Nishi-Nippon City Bank,Ltd 500 0.003075 2019/9/30 2029/9/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 800 0.00385 2019/6/28 2029/6/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,300 0.0036 2019/6/28 2029/6/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years 6months Sumitomo Mitsui Banking Corporation 1,560 0.002469 2018/11/30 2022/5/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
5 years 6months Sumitomo Mitsui Banking Corporation 700 0.002994 2018/11/30 2024/5/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Trust & Banking 1,000 0.006163 2018/11/30 2028/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,000 0.006163 2018/11/30 2028/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,300 0.006 2018/11/30 2028/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,200 0.0063883 2018/11/30 2028/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The 77 Bank, Ltd. 500 0.007038 2018/9/28 2028/9/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Nishi-Nippon City Bank,Ltd 500 0.007038 2018/9/28 2028/9/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Nippon Life Insurance Company 1,000 0.00665 2018/9/11 2028/9/11 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years 6months Shinsei Bank 500 0.0022795
(Note2)
2018/7/31 2022/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
6 years 6months Shinsei Bank 1,000 0.00364
(Note1)
2018/7/31 2025/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
6 years 6months Sumitomo Mitsui Banking Corporation 650 0.003694 2018/7/31 2025/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Shinsei Bank 1,000 0.004715
(Note1)
2018/7/31 2026/7/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Mizuho Bank, Ltd. 500 0.004675 2018/7/31 2026/7/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Nishi-Nippon City Bank,Ltd 900 0.006625 2018/7/31 2028/7/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 1,000 0.006625 2018/7/31 2028/7/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 8months MUFG Bank, Ltd. 1,000 0.00487 2018/7/31 2028/3/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
11 years Sumitomo Mitsui Trust Bank, Limited 890 0.0069815 2018/6/29 2029/6/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years Sumitomo Mitsui Trust Bank, Limited 2,100 0.003788 2018/4/27 2025/4/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months MUFG Bank, Ltd. 1,500 0.00495 2018/4/27 2028/3/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,500 0.00595 2018/4/13 2028/4/13 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Shinkin Central Bank 500 0.006088 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.006088 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,000 0.006088 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 500 0.006088 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 500 0.0056 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Bank of Fukuoka, Ltd. 500 0.006313 2018/2/28 2028/2/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years The Bank of Fukuoka, Ltd. 500 0.00375 2018/2/28 2025/2/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 7months MUFG Bank, Ltd. 2,850 0.0054 2018/2/28 2027/9/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Taiyo Life Insurance Company 1,500 0.004163 2017/9/29 2025/9/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months JAPAN POST INSURANCE Co., Ltd. 1,000 0.0055385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months Sumitomo Mitsui Trust Bank, Limited 500 0.0055385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months MUFG Bank, Ltd. 500 0.0051 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months Shinkin Central Bank 500 0.0041639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Chugoku Bank,Ltd. 500 0.0041639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Iyo Bank,Ltd. 500 0.0041639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Nishi-Nippon City Bank,Ltd 500 0.0041639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Bank of Fukuoka, Ltd. 500 0.0041639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months Shinkin Central Bank 500 0.0055385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Bank of Kyoto, Ltd. 500 0.0055385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Iyo Bank,Ltd. 500 0.0055385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Nishi-Nippon City Bank,Ltd 500 0.0055385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Bank of Fukuoka, Ltd. 500 0.0055385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 1,000 0.005713 2017/5/31 2027/5/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 6months MUFG Bank, Ltd. 1,700 0.0053945 2017/4/28 2026/10/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 2,000 0.005975 2017/4/28 2027/4/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,000 0.005975 2017/4/28 2027/4/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 4months MUFG Bank, Ltd. 1,000 0.0047 2017/4/28 2026/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 10months MUFG Bank, Ltd. 2,500 0.0052 2017/4/28 2027/2/26 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 1,400 0.00555 2017/4/25 2027/4/23 Lump sum repay-ment at maturity Unsecured &Unguaranteed
11 years Sumitomo Mitsui Trust Bank, Limited 1,000 0.0067 2017/4/25 2028/4/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 10months MUFG Bank, Ltd. 1,200 0.0043 2017/4/25 2026/2/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Resona Bank, Limited 1,000 0.005038 2017/1/31 2026/1/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Resona Bank, Limited 1,000 0.006088 2017/1/31 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 1,250 0.006088 2017/1/31 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 1,000 0.006288 2017/1/31 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,000 0.0058 2017/1/31 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,250 0.0041 2017/1/31 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years Mitsui Sumitomo Insurance Company, Limited 1,000 0.003175 2016/11/30 2023/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Taiyo Life Insurance Company 1,500 0.0024 2016/11/30 2024/11/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Norinchukin Bank 1,000 0.003825 2016/11/30 2024/11/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years The Norinchukin Bank 1,500 0.004488 2016/11/30 2025/11/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Bank of Kyoto, Ltd. 500 0.002 2016/7/29 2024/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Chugoku Bank,Ltd. 500 0.002 2016/7/29 2024/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Iyo Bank,Ltd. 300 0.002 2016/7/29 2024/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years The Bank of Fukuoka, Ltd. 1,000 0.0026 2016/7/29 2025/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Bank of Fukuoka, Ltd. 1,000 0.0036 2016/7/29 2026/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.0036 2016/7/29 2026/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 9months Mizuho Bank, Ltd. 400 0.006288 2016/4/14 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months MUFG Bank, Ltd. 500 0.0051 2016/4/14 2026/3/24 Lump sum repay-ment at maturity Unsecured &Unguaranteed
11 years 11months Sumitomo Mitsui Trust Bank, Limited 500 0.0074525
(Note1)
2016/4/14 2028/3/24 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 10months MUFG Bank, Ltd. 1,150 0.004513 2016/3/24 2025/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 10months Resona Bank, Limited 900 0.005238 2016/3/24 2026/1/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 10months Mizuho Trust & Banking 750 0.006288 2016/3/24 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 10months Mizuho Bank, Ltd. 900 0.006288 2016/3/24 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,000 0.005372 2016/3/24 2026/3/24 Lump sum repay-ment at maturity Unsecured &Unguaranteed
12 years Sumitomo Mitsui Trust Bank, Limited 1,000 0.007675
(Note1)
2016/3/24 2028/3/24 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months MUFG Bank, Ltd. 2,500 0.005738 2016/2/29 2026/1/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 11months Mizuho Bank, Ltd. 1,080 0.006588 2016/2/29 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 11months Sumitomo Mitsui Trust Bank, Limited 990 0.006588 2016/2/29 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 990 0.00545 2016/2/29 2026/2/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Bank of Fukuoka, Ltd. 1,000 0.00605
(Note1)
2015/12/18 2023/12/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Norinchukin Bank 1,000 0.00605
(Note1)
2015/12/18 2023/12/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,000 0.0084
(Note1)
2015/12/18 2025/12/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months Sumitomo Mitsui Trust Bank, Limited 400 0.00849
(Note1)
2015/9/14 2025/8/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months MUFG Bank, Ltd. 400 0.00921 2015/9/14 2025/8/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Nishi-Nippon City Bank,Ltd 800 0.00727
(Note1)
2015/8/31 2023/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Resona Bank, Limited 1,000 0.00727
(Note1)
2015/8/31 2023/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 2,300 0.010379
(Note1)
2015/6/25 2025/6/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years The Gunma Bank, Ltd. 1,000 0.00628
(Note1)
2015/5/29 2022/5/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years The 77 Bank, Ltd. 500 0.0062075
(Note1)
2015/4/14 2022/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years The Iyo Bank,Ltd. 700 0.0062075
(Note1)
2015/4/14 2022/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years Kiraboshi Bank, Ltd. 500 0.0062075
(Note1)
2015/4/14 2022/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years 6months Mizuho Trust & Banking 1,200 0.0068675
(Note1)
2015/4/14 2022/10/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Yamaguchi Bank, Ltd. 500 0.0072725
(Note1)
2015/4/14 2023/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Norinchukin Bank 1,500 0.0074725
(Note1)
2015/4/14 2023/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Mizuho Trust & Banking 1,200 0.0074725
(Note1)
2015/4/14 2023/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Mizuho Trust & Banking 1,400 0.00876
(Note1)
2015/4/14 2024/4/12 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Nippon Life Insurance Company 1,000 0.00996
(Note1)
2015/4/14 2025/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.00996
(Note1)
2015/4/14 2025/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Trust & Banking 1,200 0.01046
(Note1)
2015/3/19 2025/3/19 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Resona Bank, Limited 1,000 0.00885
(Note1)
2015/1/30 2023/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Aozora Bank, Ltd. 700 0.00885
(Note1)
2015/1/30 2023/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years MUFG Bank, Ltd. 1,000 0.00885
(Note1)
2015/1/30 2023/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years 5months Aozora Bank, Ltd. 700 0.007635
(Note1)
2014/10/31 2022/4/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Aozora Bank, Ltd. 1,000 0.008495
(Note1)
2014/10/31 2022/10/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 1,850 0.01178
(Note1)
2014/9/30 2024/9/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Development Bank of Japan 1,500 0.010175
(Note1)
2014/9/30 2023/9/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years 11months The Nishi-Nippon City Bank,Ltd 400 0.008155
(Note1)
2014/8/1 2022/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years 11months Sumitomo Mitsui Trust Bank, Limited 393 0.008155
(Note1)
2014/8/1 2022/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years 11months MUFG Bank, Ltd. 707 0.008155
(Note1)
2014/8/1 2022/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Mizuho Trust & Banking 500 0.0107775
(Note1)
2014/2/17 2022/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Mizuho Bank, Ltd. 2,000 0.0107775
(Note1)
2014/2/17 2022/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Sumitomo Mitsui Trust Bank, Limited 2,100 0.0107775
(Note1)
2014/2/17 2022/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years MUFG Bank, Ltd. 1,200 0.0107775
(Note1)
2014/2/17 2022/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Mizuho Bank, Ltd. 1,630 0.012831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Sumitomo Mitsui Banking Corporation 1,120 0.012831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Sumitomo Mitsui Trust Bank, Limited 455 0.012831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years MUFG Bank, Ltd. 455 0.012831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 500 0.0143825
(Note1)
2014/2/17 2024/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 500 0.0143825
(Note1)
2014/2/17 2024/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
11 years MUFG Bank, Ltd. 500 0.0159325
(Note1)
2014/2/17 2025/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months Shinsei Bank 1,000 0.01315
(Note1)
2013/12/19 2022/6/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Sumitomo Mitsui Banking Corporation 3,550 0.013676
(Note1)
2013/11/15 2022/11/15 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,600 0.01474
(Note1)
2013/11/15 2023/11/15 Lump sum repay-ment at maturity Unsecured &Unguaranteed
Total 186,109

(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 December 31, 2021.

Bond Issuances

(As of December 31, 2021)

Name of Bonds Issue Date Issue Amount
(million yen)
Coupon
Rate
Maturity
Period
Redemption
Date
Remarks
ADR Bond #19
(Unsecured)
(Special Contract for
Specified Bond)
Apr. 25, 2013 3,000 1.32 10 years Apr. 25, 2023 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #20
(Unsecured)
(Special Contract for
Specified Bond)
Nov. 14, 2013 2,000 1.41 12 years Nov. 14, 2025 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #21
(Unsecured)
(Special Contract for
Specified Bond)
Apr. 28, 2014 2,500 1.04 10 years Apr. 26, 2024 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #22
(Unsecured)
(Special Contract for
Specified Bond)
Apr. 23, 2015 2,000 0.726 10 years Apr. 23, 2025 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #24
(Unsecured)
(Special Contract for
Specified Bond)
Oct. 21, 2015 1,500 0.846 10 years Oct. 21, 2025 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #25
(Unsecured)
(Special Contract for
Specified Bond)
Jun. 21, 2016 3,000 0.9 15 years Jun. 20, 2031 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #26
(Unsecured)
(Special Contract for
Specified Bond)
Feb. 17, 2017 2,000 0.18 5.5 years Aug. 17, 2022 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #27
(Unsecured)
(Special Contract for Specified Bond)
Jul. 18, 2017 3,000 0.5 10 years Jul. 16, 2027 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #28
(Unsecured)
(Private Offering to Qualified Institutional Investors)
Nov. 24, 2017 1,000 0.5663 10 years Nov. 24, 2027 Unsecured &Unguaranteed
ADR Bond #29
(Unsecured)
(Special Contract for Specified Bond)
Apr. 24, 2018 1,500 0.69 12 years Apr. 24, 2030 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #30
(Unsecured)
(Special Contract for Specified Bond)
Oct. 19, 2018 2,000 0.704 10 years Oct. 19, 2028 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #31
(Unsecured)
(Special Contract for Specified Bond)
(Green Bond)
Jul. 24, 2019 5,000 0.22 5 years Jul. 24, 2024 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #32
(Unsecured)
(Special Contract for Specified Bond / Private Placement to Qualified Institutional Investors)
(Green Financing)
Jul. 25, 2019 3,000 0.3485 10 years Jul. 25, 2029 Unsecured &Unguaranteed
ADR Bond #33
(Unsecured)
(Special Contract for Specified Bond)
Dec. 24, 2020 2,500 0.73 15 years Dec. 24, 2035 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #34
(Unsecured)
(Special Contract for Specified Bond)(Green Bond)
Oct. 25, 2021 1,000 0.4 10 years Oct. 24, 2031 Unsecured &
Unguaranteed

JCR: AA
ADR Bond #35
(Unsecured)
(Special Contract for Specified Bond)(Green Bond)
Oct. 25, 2021 1,600 0.66 15 years Oct. 24, 2036 Unsecured &
Unguaranteed

JCR: AA
Total 36,600

※ADR stands for Advance Residence Investment Corporation.