An image-forming apparatus including: an image holding member; a charging device that charges the image holding member; an electrostatic latent image-forming device that exposes a surface of the charged image holding member to light to form an electrostatic latent image; a developing device that develops the electrostatic latent image formed on the image holding member with toner into a toner image; an intermediate transfer body to which the toner image formed on the image holding member is transferred; a primary transfer device that transfers the toner image formed on the image holding member onto the intermediate transfer body; and a secondary transfer device that transfers the toner image transferred on the intermediate transfer body onto a recording medium, the intermediate transfer body including a resin layer containing polyaniline particles, and the 50 percentile particle diameter (number basis) of the toner being at least twice as large as the 50 percentile particle diameter (number basis) of the polyaniline particles.