| Composition of Installment Loans By Domicile and Type of Borrower |
The composition of installment loans by domicile and type of borrower at March 31, 2025 and 2026 is as follows:
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Borrowers in Japan: |
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Consumer— |
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Real estate loans |
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¥ |
1,901,794 |
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¥ |
1,989,371 |
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Card loans |
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67,874 |
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64,600 |
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Other |
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7,259 |
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5,631 |
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1,976,927 |
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2,059,602 |
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Corporate— |
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Real estate companies |
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415,666 |
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461,006 |
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301,477 |
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343,121 |
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Commercial, industrial and other companies |
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233,270 |
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229,097 |
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950,413 |
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1,033,224 |
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Borrowers in overseas: |
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Consumer— |
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Real estate loans |
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55,022 |
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38,122 |
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Other |
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39,172 |
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39,302 |
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94,194 |
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77,424 |
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Corporate— |
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Real estate companies*1 |
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228,793 |
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216,272 |
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86,724 |
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200,308 |
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Commercial, industrial and other companies |
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591,103 |
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549,995 |
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906,620 |
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966,575 |
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Equity method investees |
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131,476 |
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20,543 |
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Purchased loans*2 |
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21,389 |
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16,214 |
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¥ |
4,081,019 |
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¥ |
4,173,582 |
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| *1 |
Includes the outstanding balance of loans that were previously sold with a repurchase option and are recorded as assets for accounting purposes in accordance with ASC 860 (“Transfers and Servicing”.) |
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| *2 |
Purchased loans represent loans with evidence of deterioration of credit quality since origination and for which it is probable at acquisition that collection of all contractually required payments from the debtors is unlikely. |
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| Contractual Maturities of Installment Loans Except Purchased Loans |
At March 31, 2026, the contractual maturities of installment loans (except purchased loans) for each of the next five years and thereafter are as follows:
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2027 |
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¥ |
646,672 |
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2028 |
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418,347 |
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2029 |
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377,563 |
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2030 |
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268,642 |
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2031 |
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274,552 |
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Thereafter |
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2,171,592 |
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Total |
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¥ |
4,157,368 |
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