Consumer Credit Market

Consumer Credit Market in Japan

(As of end of calendar year 2004)
*Credit provided within the year / Credit Balanceas of December 2004
Source: Consumer Credit Market Statistics,Japan Consumer Credit Industry Association

Major players in Japan's credit card market

AffiliationBankCredit salesDistributionOther
FeaturesCards issued by bank-affiliated creditcard companies. Large number of member stores. "Lump-sum payment" and "revolvingpayment." "Installment payment" also available from July.Low number of member stores comparedto bank-affiliated companies. "Lump-sum payment," "revolving payment," and "installmentpayment."Cards issued by department stores,supermarkets, etc. Company cards that can only be used at that store as wellas co-branded cards.Cards issued by car, airline, gas,consumer finance, and other companies. Company cards and co-branded cards.
Main companiesMitsui Sumitomo, UC,DCetc.UFJ Nicos, Orient Corp.,JACCS, LIFE, etc.Credit Saison, Aeon CreditService, OMC, etc.JAL, Toyota, View, ACOM,etc.
Global brand: MasterCard, Visa, JCB, AmericanExpress

The main players of The Consumer Credit Market in Japan
(Firm listed on the big board)

(¥million)
ClassificationCompanyCard Holders
(Customer Accounts)
(million)*1		Total Receivable
*1		Total Assets *1Operating Revenue
*2		Recurring Profit
*2
Retailer Related Credit Card Co.Credit Saison24.11,552,2292,144,713329,00079,000
Aeon Credit14.0707,672777,708169,30044,500
OMC8.4469,470565,264156,50040,000
ShinpanUFJ Nicos20.23,796,460

3,982,646

373,00047,000
Orient Corp.10.83,382,5254,491,209

328,900

45,500
Jaccs9.92,623,2432,833,795154,65010,100
LIFE13.5753,769650,340130,39210,000
Traditional
Consumer Finance		AIFUL3.7

2,563,501

2,490,928508,71420,000
TAKEFUJI2.21,518,7891,755,587334,600125,900
ACOM3.41,827,3582,065,535425,00096,700
PROMISE2.91,574,5861,698,260372,50025,700
*1:As of September 30, 2006 *2:As of March 31, 2007 (Estimate)

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