Borrowings & Bonds Infomation

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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 2022

  • Total amount of debts

    222,709mil. yen

  • Ave. maturity

    5.0year

  • Fixed interest debt ratio

    99%

  • Avg. interest rate

    0.61%

  • Total assets LTV

    48.4%

    Appraisal LTV

    34.3%

  • Credit Ratings

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

Borrowing Information

(As of May 31, 2022)

Term Lender Loan Balance
(mm yen)
Interest Rate
(%)
Drawdown
Date
Repayment
Deadline
Repay-
ment
Method
Remarks
3 years 11months Sumitomo Mitsui Banking Corporation 1,560 0.34 2022/5/31 2026/5/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
1 years Mizuho Bank, Ltd. 250 0.5716
(Note2)
2022/5/27 2023/5/26 Lump sum repay-ment at maturity Unsecured &Unguaranteed
1 years Sumitomo Mitsui Trust Bank, Limited 375 0.5716
(Note2)
2022/5/27 2023/5/26 Lump sum repay-ment at maturity Unsecured &Unguaranteed
1 years MUFG Bank, Ltd. 375 0.5716
(Note2)
2022/5/27 2023/5/26 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 6months Aozora Bank, Ltd. 700 0.64896 2022/4/28 2030/10/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years Mitsui Sumitomo Insurance Company, Limited 500 0.502
(Note1)
2022/4/18 2029/4/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 6months Resona Bank, Limited 500 0.579
(Note1)
2022/4/18 2030/10/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Chugoku Bank,Ltd. 1,000 0.673
(Note1)
2022/4/18 2032/4/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Shinkin Central Bank 1,000 0.673
(Note1)
2022/4/18 2032/4/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 500 0.673
(Note1)
2022/4/18 2032/4/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Iyo Bank,Ltd. 700 0.676
(Note1)
2022/4/14 2032/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The 77 Bank, Ltd. 500 0.78875 2022/4/14 2032/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Kiraboshi Bank, Ltd. 500 0.78875 2022/4/14 2032/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Trust & Banking 500 0.5498
(Note1)
2022/2/16 2032/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 2,000 0.5498
(Note1)
2022/2/16 2032/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,100 0.5498
(Note1)
2022/2/16 2032/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,300 0.49 2022/2/16 2032/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Iyo Bank,Ltd. 700 0.4735
(Note1)
2022/2/1 2032/1/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,600 0.4749
(Note1)
2022/1/31 2032/1/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Shinsei Bank 500 0.5675 2022/1/31 2032/1/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 2,160 0.3724
(Note1)
2021/12/22 2031/12/22 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 2,200 0.4875 2021/11/29 2031/11/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Aozora Bank, Ltd. 1,800 0.4875 2021/11/26 2031/11/26 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Banking Corporation 500 0.2325 2021/10/29 2024/10/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
4 years Sumitomo Mitsui Banking Corporation 1,000 0.2463 2021/10/29 2025/10/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 5months MUFG Bank, Ltd. 2,000 0.36896 2021/10/29 2031/3/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years 11months Sumitomo Mitsui Banking Corporation 1,200 0.1763 2021/8/31 2025/8/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 7months Resona Bank, Limited 500 0.25478
(Note1)
2021/6/30 2031/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Bank of Fukuoka, Ltd. 500 0.4363 2021/6/30 2031/6/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 9months MUFG Bank, Ltd. 700 0.38294 2021/6/30 2031/3/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Aozora Bank, Ltd. 1,000 0.2775 2021/6/25 2029/6/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Resona Bank, Limited 919 0.2907
(Note1)
2021/6/25 2031/6/25 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Shinsei Bank 700 0.4325 2021/6/18 2031/6/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
4 years Sumitomo Mitsui Banking Corporation 800 0.18 2021/4/30 2025/4/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Norinchukin Bank 1,000 0.3213 2021/4/14 2029/4/13 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 1,150 0.49 2021/3/24 2031/3/24 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
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
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 Nishi-Nippon City Bank,Ltd 400 0.4013 2021/1/29 2031/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Bank of Fukuoka, Ltd. 500 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
3 years Sumitomo Mitsui Banking Corporation 1,200 0.14 2020/12/25 2023/12/25 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 The Chiba Bank, Ltd. 1,000 0.1825 2020/11/30 2027/11/30 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
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 Mizuho Trust & Banking 1,000 0.3788 2020/9/30 2030/9/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Trust Bank, Limited 500 0.22045
(Note2)
2020/9/11 2023/9/11 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.3925 2020/6/18 2030/6/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The 77 Bank, Ltd. 1,000 0.3963 2020/3/27 2030/3/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
3 years Sumitomo Mitsui Trust Bank, Limited 920 0.22045
(Note2)
2020/3/24 2023/3/24 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 Shinkin Central Bank 1,000 0.4388 2020/3/24 2030/3/22 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,000 0.4388 2020/3/24 2030/3/22 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 Mizuho Trust & Banking 2,350 0.385 2020/2/14 2030/2/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,900 0.385 2020/2/14 2030/2/14 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 The Yamaguchi Bank, Ltd. 500 0.32 2019/12/18 2029/12/18 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 Mizuho Bank, Ltd. 1,200 0.3925 2019/11/29 2029/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
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 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 Sumitomo Mitsui Trust Bank, Limited 800 0.385 2019/6/28 2029/6/29 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
5 years 6months Sumitomo Mitsui Banking Corporation 700 0.2994 2018/11/30 2024/5/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Trust & Banking 1,000 0.6163 2018/11/30 2028/11/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,000 0.6163 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 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 The 77 Bank, Ltd. 500 0.7038 2018/9/28 2028/9/29 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 Nippon Life Insurance Company 1,000 0.665 2018/9/11 2028/9/11 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 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 Nishi-Nippon City Bank,Ltd 900 0.6625 2018/7/31 2028/7/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Development Bank of Japan 1,000 0.6625 2018/7/31 2028/7/31 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
11 years Sumitomo Mitsui Trust Bank, Limited 890 0.69815 2018/6/29 2029/6/29 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
9 years 11months MUFG Bank, Ltd. 1,500 0.495 2018/4/27 2028/3/31 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
10 years Shinkin Central Bank 500 0.6088 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.6088 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Mizuho Bank, Ltd. 1,000 0.6088 2018/3/20 2028/3/17 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 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 Bank of Fukuoka, Ltd. 500 0.375 2018/2/28 2025/2/28 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 7months MUFG Bank, Ltd. 2,850 0.54 2018/2/28 2027/9/30 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
9 years 11months JAPAN POST INSURANCE Co., Ltd. 1,000 0.55385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months Sumitomo Mitsui Trust Bank, Limited 500 0.55385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months MUFG Bank, Ltd. 500 0.51 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months Shinkin Central Bank 500 0.41639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Chugoku Bank,Ltd. 500 0.41639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Iyo Bank,Ltd. 500 0.41639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Nishi-Nippon City Bank,Ltd 500 0.41639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 5months The Bank of Fukuoka, Ltd. 500 0.41639 2017/9/11 2026/2/27 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months Shinkin Central Bank 500 0.55385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Bank of Kyoto, Ltd. 500 0.55385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Iyo Bank,Ltd. 500 0.55385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Nishi-Nippon City Bank,Ltd 500 0.55385 2017/9/11 2027/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months The Bank of Fukuoka, Ltd. 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
9 years 6months MUFG Bank, Ltd. 1,700 0.53945 2017/4/28 2026/10/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 2,000 0.5975 2017/4/28 2027/4/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 2,000 0.5975 2017/4/28 2027/4/30 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
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 Development Bank of Japan 1,400 0.555 2017/4/25 2027/4/23 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
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
10 years Resona Bank, Limited 1,000 0.6088 2017/1/31 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 1,250 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 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
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
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
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 The Bank of Kyoto, Ltd. 500 0.2 2016/7/29 2024/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Chugoku Bank,Ltd. 500 0.2 2016/7/29 2024/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Iyo Bank,Ltd. 300 0.2 2016/7/29 2024/7/29 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 The Bank of Fukuoka, Ltd. 1,000 0.36 2016/7/29 2026/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years The Yamaguchi Bank, Ltd. 500 0.36 2016/7/29 2026/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 9months Mizuho Bank, Ltd. 400 0.6288 2016/4/14 2027/1/29 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
11 years 11months Sumitomo Mitsui Trust Bank, Limited 500 0.74525
(Note1)
2016/4/14 2028/3/24 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years 10months MUFG Bank, Ltd. 1,150 0.4513 2016/3/24 2025/1/31 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
10 years 10months Mizuho Trust & Banking 750 0.6288 2016/3/24 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 10months Mizuho Bank, Ltd. 900 0.6288 2016/3/24 2027/1/29 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
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
9 years 11months MUFG Bank, Ltd. 2,500 0.5738 2016/2/29 2026/1/30 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 11months Mizuho Bank, Ltd. 1,080 0.6588 2016/2/29 2027/1/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years 11months Sumitomo Mitsui Trust Bank, Limited 990 0.6588 2016/2/29 2027/1/29 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 The Bank of Fukuoka, Ltd. 1,000 0.605
(Note1)
2015/12/18 2023/12/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Norinchukin Bank 1,000 0.605
(Note1)
2015/12/18 2023/12/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 1,000 0.84
(Note1)
2015/12/18 2025/12/18 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months Sumitomo Mitsui Trust Bank, Limited 400 0.849
(Note1)
2015/9/14 2025/8/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years 11months MUFG Bank, Ltd. 400 0.921 2015/9/14 2025/8/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years The Nishi-Nippon City Bank,Ltd 800 0.727
(Note1)
2015/8/31 2023/8/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Resona Bank, Limited 1,000 0.727
(Note1)
2015/8/31 2023/8/31 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 6months Mizuho Trust & Banking 1,200 0.68675
(Note1)
2015/4/14 2022/10/14 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 1,500 0.74725
(Note1)
2015/4/14 2023/4/14 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Mizuho Trust & Banking 1,200 0.74725
(Note1)
2015/4/14 2023/4/14 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 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 The Yamaguchi Bank, Ltd. 500 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
8 years Resona Bank, Limited 1,000 0.885
(Note1)
2015/1/30 2023/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years Aozora Bank, Ltd. 700 0.885
(Note1)
2015/1/30 2023/1/31 Lump sum repay-ment at maturity Unsecured &Unguaranteed
8 years MUFG Bank, Ltd. 1,000 0.885
(Note1)
2015/1/30 2023/1/31 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
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
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
7 years 11months The Nishi-Nippon City Bank,Ltd 400 0.8155
(Note1)
2014/8/1 2022/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years 11months Sumitomo Mitsui Trust Bank, Limited 393 0.8155
(Note1)
2014/8/1 2022/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
7 years 11months MUFG Bank, Ltd. 707 0.8155
(Note1)
2014/8/1 2022/7/29 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Mizuho Bank, Ltd. 1,630 1.2831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Sumitomo Mitsui Banking Corporation 1,120 1.2831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years Sumitomo Mitsui Trust Bank, Limited 455 1.2831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
9 years MUFG Bank, Ltd. 455 1.2831
(Note1)
2014/2/17 2023/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years Sumitomo Mitsui Trust Bank, Limited 500 1.43825
(Note1)
2014/2/17 2024/2/16 Lump sum repay-ment at maturity Unsecured &Unguaranteed
10 years MUFG Bank, Ltd. 500 1.43825
(Note1)
2014/2/17 2024/2/16 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
8 years 5months Shinsei Bank 1,000 1.315
(Note1)
2013/12/19 2022/6/17 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
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
Total 190,309

(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 May 31, 2022.

Bond Issuances

(As of May 31, 2022)

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.