Credit Quality of Financial Assets and the Allowance for Credit Losses (Tables)
|
12 Months Ended |
Mar. 31, 2026 |
|---|
| Credit Loss [Abstract] |
|
| Summary of allowance for credit losses for installment loans |
The following table provides information about the allowance for credit losses for installment loans, net investment in leases and other financial assets measured at amortized cost for fiscal 2024, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for
credit losses
on acquired financial
assets at
acquisition |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Collective
(pool)
assessment |
|
|
|
|
| Allowance for credit losses: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Installment loans to consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
¥ |
4,092 |
|
|
¥ |
(712 |
) |
|
¥ |
0 |
|
|
¥ |
(218 |
) |
|
¥ |
151 |
|
|
¥ |
(110 |
) |
|
¥ |
3,203 |
|
|
¥ |
2,893 |
|
|
¥ |
310 |
|
| Overseas |
|
|
446 |
|
|
|
94 |
|
|
|
0 |
|
|
|
(6 |
) |
|
|
1 |
|
|
|
46 |
|
|
|
581 |
|
|
|
526 |
|
|
|
55 |
|
| Card loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
9,022 |
|
|
|
101 |
|
|
|
0 |
|
|
|
(918 |
) |
|
|
10 |
|
|
|
(8,203 |
) |
|
|
12 |
|
|
|
12 |
|
|
|
0 |
|
| Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
7,759 |
|
|
|
5,313 |
|
|
|
0 |
|
|
|
(3,856 |
) |
|
|
7 |
|
|
|
(9,132 |
) |
|
|
91 |
|
|
|
6 |
|
|
|
85 |
|
| Overseas |
|
|
1,889 |
|
|
|
3,166 |
|
|
|
0 |
|
|
|
(2,736 |
) |
|
|
476 |
|
|
|
265 |
|
|
|
3,060 |
|
|
|
1,762 |
|
|
|
1,298 |
|
| Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
253 |
|
|
|
176 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
429 |
|
|
|
429 |
|
|
|
0 |
|
| The Americas |
|
|
1,494 |
|
|
|
74 |
|
|
|
0 |
|
|
|
(55 |
) |
|
|
0 |
|
|
|
205 |
|
|
|
1,718 |
|
|
|
660 |
|
|
|
1,058 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
777 |
|
|
|
176 |
|
|
|
0 |
|
|
|
(4 |
) |
|
|
26 |
|
|
|
0 |
|
|
|
975 |
|
|
|
889 |
|
|
|
86 |
|
| Overseas |
|
|
1,007 |
|
|
|
430 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
112 |
|
|
|
1,549 |
|
|
|
1,045 |
|
|
|
504 |
|
| Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
1,152 |
|
|
|
(44 |
) |
|
|
0 |
|
|
|
(281 |
) |
|
|
9 |
|
|
|
21 |
|
|
|
857 |
|
|
|
722 |
|
|
|
135 |
|
| Overseas |
|
|
19,132 |
|
|
|
8,702 |
|
|
|
0 |
|
|
|
(4,762 |
) |
|
|
176 |
|
|
|
2,576 |
|
|
|
25,824 |
|
|
|
16,061 |
|
|
|
9,763 |
|
| Loans to Equity method investees |
|
|
650 |
|
|
|
99 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
129 |
|
|
|
878 |
|
|
|
422 |
|
|
|
456 |
|
| Purchased loans *1 |
|
|
1,148 |
|
|
|
13 |
|
|
|
47,676 |
|
|
|
(47,722 |
) |
|
|
2 |
|
|
|
16 |
|
|
|
1,133 |
|
|
|
548 |
|
|
|
585 |
|
| Net investment in leases: |
|
|
15,719 |
|
|
|
3,064 |
|
|
|
0 |
|
|
|
(2,635 |
) |
|
|
26 |
|
|
|
606 |
|
|
|
16,780 |
|
|
|
10,866 |
|
|
|
5,914 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Subtotal |
|
|
64,540 |
|
|
|
20,652 |
|
|
|
47,676 |
|
|
|
(63,193 |
) |
|
|
884 |
|
|
|
(13,469 |
) |
|
|
57,090 |
|
|
|
36,841 |
|
|
|
20,249 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Other financial assets measured at amortized cost *2 |
|
|
833 |
|
|
|
311 |
|
|
|
0 |
|
|
|
(280 |
) |
|
|
9 |
|
|
|
147 |
|
|
|
1,020 |
|
|
|
321 |
|
|
|
699 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
¥ |
65,373 |
|
|
¥ |
20,963 |
|
|
¥ |
47,676 |
|
|
¥ |
(63,473 |
) |
|
¥ |
893 |
|
|
¥ |
(13,322 |
) |
|
¥ |
58,110 |
|
|
¥ |
37,162 |
|
|
¥ |
20,948 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for
credit losses
on acquired
financial
assets at
acquisition |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Collective
(pool)
assessment |
|
|
|
|
| Allowance for credit losses: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Installment loans to consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
¥ |
3,203 |
|
|
¥ |
(317 |
) |
|
¥ |
0 |
|
|
¥ |
(62 |
) |
|
¥ |
66 |
|
|
¥ |
1 |
|
|
¥ |
2,891 |
|
|
¥ |
2,609 |
|
|
¥ |
282 |
|
| Overseas |
|
|
581 |
|
|
|
1,202 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1 |
|
|
|
(105 |
) |
|
|
1,679 |
|
|
|
505 |
|
|
|
1,174 |
|
| Card loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
12 |
|
|
|
13 |
|
|
|
0 |
|
|
|
0 |
|
|
|
11 |
|
|
|
0 |
|
|
|
36 |
|
|
|
36 |
|
|
|
0 |
|
| Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
91 |
|
|
|
(8 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
7 |
|
|
|
0 |
|
|
|
90 |
|
|
|
6 |
|
|
|
84 |
|
| Overseas |
|
|
3,060 |
|
|
|
2,996 |
|
|
|
0 |
|
|
|
(3,237 |
) |
|
|
453 |
|
|
|
(224 |
) |
|
|
3,048 |
|
|
|
1,355 |
|
|
|
1,693 |
|
| Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
429 |
|
|
|
33 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
462 |
|
|
|
462 |
|
|
|
0 |
|
| The Americas |
|
|
1,718 |
|
|
|
1,066 |
|
|
|
0 |
|
|
|
(150 |
) |
|
|
0 |
|
|
|
(41 |
) |
|
|
2,593 |
|
|
|
1,548 |
|
|
|
1,045 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
975 |
|
|
|
(14 |
) |
|
|
0 |
|
|
|
(78 |
) |
|
|
26 |
|
|
|
(1 |
) |
|
|
908 |
|
|
|
877 |
|
|
|
31 |
|
| Overseas |
|
|
1,549 |
|
|
|
682 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(185 |
) |
|
|
2,046 |
|
|
|
764 |
|
|
|
1,282 |
|
| Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
857 |
|
|
|
359 |
|
|
|
0 |
|
|
|
(146 |
) |
|
|
7 |
|
|
|
1 |
|
|
|
1,078 |
|
|
|
586 |
|
|
|
492 |
|
| Overseas |
|
|
25,824 |
|
|
|
1,094 |
|
|
|
0 |
|
|
|
(4,048 |
) |
|
|
34 |
|
|
|
(2,841 |
) |
|
|
20,063 |
|
|
|
11,919 |
|
|
|
8,144 |
|
| Loans to Equity method investees |
|
|
878 |
|
|
|
954 |
|
|
|
0 |
|
|
|
(255 |
) |
|
|
0 |
|
|
|
(65 |
) |
|
|
1,512 |
|
|
|
167 |
|
|
|
1,345 |
|
| Purchased loans *1 |
|
|
1,133 |
|
|
|
80 |
|
|
|
7,507 |
|
|
|
(7,547 |
) |
|
|
2 |
|
|
|
167 |
|
|
|
1,342 |
|
|
|
521 |
|
|
|
821 |
|
| Net investment in leases: |
|
|
16,780 |
|
|
|
4,934 |
|
|
|
0 |
|
|
|
(3,505 |
) |
|
|
91 |
|
|
|
(178 |
) |
|
|
18,122 |
|
|
|
11,236 |
|
|
|
6,886 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Subtotal |
|
|
57,090 |
|
|
|
13,074 |
|
|
|
7,507 |
|
|
|
(19,028 |
) |
|
|
698 |
|
|
|
(3,471 |
) |
|
|
55,870 |
|
|
|
32,591 |
|
|
|
23,279 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Other financial assets measured at amortized cost *2 |
|
|
1,020 |
|
|
|
179 |
|
|
|
0 |
|
|
|
(276 |
) |
|
|
14 |
|
|
|
(38 |
) |
|
|
899 |
|
|
|
299 |
|
|
|
600 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
¥ |
58,110 |
|
|
¥ |
13,253 |
|
|
¥ |
7,507 |
|
|
¥ |
(19,304 |
) |
|
¥ |
712 |
|
|
¥ |
(3,509 |
) |
|
¥ |
56,769 |
|
|
¥ |
32,890 |
|
|
¥ |
23,879 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for
credit losses
on acquired
financial
assets at
acquisition |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Collective
(pool)
assessment |
|
|
|
|
Allowance for credit losses: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Installment loans to consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
¥ |
2,891 |
|
|
¥ |
180 |
|
|
¥ |
0 |
|
|
¥ |
(130 |
) |
|
¥ |
36 |
|
|
¥ |
(153 |
) |
|
¥ |
2,824 |
|
|
¥ |
2,615 |
|
|
¥ |
209 |
|
Overseas |
|
|
1,679 |
|
|
|
262 |
|
|
|
0 |
|
|
|
(202 |
) |
|
|
0 |
|
|
|
80 |
|
|
|
1,819 |
|
|
|
367 |
|
|
|
1,452 |
|
Card loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
36 |
|
|
|
(7 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
6 |
|
|
|
0 |
|
|
|
35 |
|
|
|
35 |
|
|
|
0 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
90 |
|
|
|
(5 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
2 |
|
|
|
(84 |
) |
|
|
3 |
|
|
|
3 |
|
|
|
0 |
|
Overseas |
|
|
3,048 |
|
|
|
2,203 |
|
|
|
0 |
|
|
|
(3,720 |
) |
|
|
337 |
|
|
|
224 |
|
|
|
2,092 |
|
|
|
1,449 |
|
|
|
643 |
|
Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
462 |
|
|
|
126 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(6 |
) |
|
|
582 |
|
|
|
582 |
|
|
|
0 |
|
Overseas |
|
|
2,593 |
|
|
|
2,969 |
|
|
|
0 |
|
|
|
(1,264 |
) |
|
|
0 |
|
|
|
1,337 |
|
|
|
5,635 |
|
|
|
2,224 |
|
|
|
3,411 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
908 |
|
|
|
192 |
|
|
|
0 |
|
|
|
(18 |
) |
|
|
25 |
|
|
|
(84 |
) |
|
|
1,023 |
|
|
|
1,021 |
|
|
|
2 |
|
Overseas |
|
|
2,046 |
|
|
|
320 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(876 |
) |
|
|
1,490 |
|
|
|
519 |
|
|
|
971 |
|
Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
1,078 |
|
|
|
167 |
|
|
|
0 |
|
|
|
(24 |
) |
|
|
43 |
|
|
|
(75 |
) |
|
|
1,189 |
|
|
|
691 |
|
|
|
498 |
|
Overseas |
|
|
20,063 |
|
|
|
11,799 |
|
|
|
0 |
|
|
|
(3,067 |
) |
|
|
197 |
|
|
|
1,633 |
|
|
|
30,625 |
|
|
|
11,946 |
|
|
|
18,679 |
|
Loans to Equity method investees |
|
|
1,512 |
|
|
|
(169 |
) |
|
|
0 |
|
|
|
(1,439 |
) |
|
|
2 |
|
|
|
94 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Purchased loans *1 |
|
|
1,342 |
|
|
|
322 |
|
|
|
3,633 |
|
|
|
(3,763 |
) |
|
|
11 |
|
|
|
5,943 |
|
|
|
7,488 |
|
|
|
133 |
|
|
|
7,355 |
|
Net investment in leases: |
|
|
18,122 |
|
|
|
4,933 |
|
|
|
0 |
|
|
|
(4,938 |
) |
|
|
365 |
|
|
|
1,425 |
|
|
|
19,907 |
|
|
|
13,218 |
|
|
|
6,689 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Subtotal |
|
|
55,870 |
|
|
|
23,292 |
|
|
|
3,633 |
|
|
|
(18,565 |
) |
|
|
1,024 |
|
|
|
9,458 |
|
|
|
74,712 |
|
|
|
34,803 |
|
|
|
39,909 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost *2 |
|
|
899 |
|
|
|
1,482 |
|
|
|
4,491 |
|
|
|
(1,336 |
) |
|
|
2 |
|
|
|
(56 |
) |
|
|
5,482 |
|
|
|
659 |
|
|
|
4,823 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
56,769 |
|
|
¥ |
24,774 |
|
|
¥ |
8,124 |
|
|
¥ |
(19,901 |
) |
|
¥ |
1,026 |
|
|
¥ |
9,402 |
|
|
¥ |
80,194 |
|
|
¥ |
35,462 |
|
|
¥ |
44,732 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Notes: 1 |
|
Loans held for sale and policy loan receivables of an insurance entity are not in the scope of allowance for credit losses. |
| 2 |
|
Since April 1, 2025, the geographic classification of Non-recourse loans within Installment loans to corporate borrowers has been changed from “The Americas” to “Overseas,” reflecting the occurrence of transactions outside The Americas, although the principal assets remain located in The Americas. |
| *1 |
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. |
| *2 |
The allowance for other financial assets measured at amortized cost includes the allowance for credit losses on financing receivables, such as accounts receivable, which include purchased trade receivables. Other financial assets measured at amortized cost are mainly “Trade notes, accounts and other receivables” on the consolidated balance sheets. |
| *3 |
“Provision for credit losses” in the consolidated statements of income amounted to provisions of ¥20,968 million, ¥18,723 million and ¥34,017 million for fiscal 2024, 2025 and 2026 respectively. The reconciliation between the above table and the amounts reported on the consolidated statements of income in fiscal 2024, 2025 and 2026 are as follows: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year
ended March 31,
2024 |
|
|
Fiscal Year
ended March 31,
2025 |
|
|
Fiscal Year
ended March 31,
2026 |
|
|
|
Provision for
credit losses |
|
|
Provision for
credit losses |
|
|
Provision for
credit losses |
|
Net investment in leases |
|
¥ |
3,064 |
|
|
¥ |
4,934 |
|
|
¥ |
4,933 |
|
Installment loans |
|
|
17,588 |
|
|
|
8,140 |
|
|
|
18,359 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Subtotal in the above table |
|
|
20,652 |
|
|
|
13,074 |
|
|
|
23,292 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost |
|
|
311 |
|
|
|
179 |
|
|
|
1,482 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total in the above table |
|
|
20,963 |
|
|
|
13,253 |
|
|
|
24,774 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Off-balance sheet credit exposures *3(a) |
|
|
(440 |
) |
|
|
5,297 |
|
|
|
7,211 |
|
|
|
|
445 |
|
|
|
173 |
|
|
|
2,032 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Amount reported on the consolidated financial statements |
|
¥ |
20,968 |
|
|
¥ |
18,723 |
|
|
¥ |
34,017 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
*3(a) |
The allowance for off-balance sheet credit exposure were ¥5,116 million, ¥9,766 million and ¥17,676 million as of March 31, 2024, 2025 and 2026, respectively, and the amounts are recorded in “Other liabilities” on the consolidated balance sheets. For further information, see Note 31 “Commitments, Guarantees and Contingent Liabilities.” |
| |
*3(b) |
The allowance for debt securities were ¥634 million ¥670 million and ¥3,505 million as of March 31, 2024, 2025 and 2026, respectively, and the amounts are recorded as a reduction in “Investments in securities” on the consolidated balance sheets. For further information, see Note 9 “Investment in Securities.” |
| *4 |
Included in Charge-offs of purchased loans were write-offs of purchased loans at the acquisition date of ¥ 47,676 million, ¥7,507 million and ¥3,633 million during fiscal 2024, 2025 and 2026. |
| *5 |
“Other” mainly includes foreign currency translation adjustments and increases or decreases in allowance due to consolidation or deconsolidation of subsidiaries. |
|
| Summary of disclosure in tabular form of allowances for credit losses and provision for credit losses |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year
ended March 31,
2024 |
|
|
Fiscal Year
ended March 31,
2025 |
|
|
Fiscal Year
ended March 31,
2026 |
|
|
|
Provision for
credit losses |
|
|
Provision for
credit losses |
|
|
Provision for
credit losses |
|
Net investment in leases |
|
¥ |
3,064 |
|
|
¥ |
4,934 |
|
|
¥ |
4,933 |
|
Installment loans |
|
|
17,588 |
|
|
|
8,140 |
|
|
|
18,359 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Subtotal in the above table |
|
|
20,652 |
|
|
|
13,074 |
|
|
|
23,292 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost |
|
|
311 |
|
|
|
179 |
|
|
|
1,482 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total in the above table |
|
|
20,963 |
|
|
|
13,253 |
|
|
|
24,774 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Off-balance sheet credit exposures *3(a) |
|
|
(440 |
) |
|
|
5,297 |
|
|
|
7,211 |
|
|
|
|
445 |
|
|
|
173 |
|
|
|
2,032 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Amount reported on the consolidated financial statements |
|
¥ |
20,968 |
|
|
¥ |
18,723 |
|
|
¥ |
34,017 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
*3(a) |
The allowance for off-balance sheet credit exposure were ¥5,116 million, ¥9,766 million and ¥17,676 million as of March 31, 2024, 2025 and 2026, respectively, and the amounts are recorded in “Other liabilities” on the consolidated balance sheets. For further information, see Note 31 “Commitments, Guarantees and Contingent Liabilities.” |
| |
*3(b) |
The allowance for debt securities were ¥634 million ¥670 million and ¥3,505 million as of March 31, 2024, 2025 and 2026, respectively, and the amounts are recorded as a reduction in “Investments in securities” on the consolidated balance sheets. For further information, see Note 9 “Investment in Securities.” |
|
| Summary of purchased loans |
The following table provides information about purchased loans and about purchased trade receivables acquired in fiscal 2024, 2025 and 2026, for which it is probable at acquisition that collection of all contractually required payments is unlikely. Such receivables include those acquired in connection with the consolidation of subsidiaries:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year
ended March 31,
2024 |
|
|
Fiscal Year
ended March 31,
2025 |
|
|
Fiscal Year
ended March 31,
2026 |
|
Purchase price |
|
¥ |
12,271 |
|
|
¥ |
5,264 |
|
|
¥ |
18,162 |
|
Allowance for credit losses at acquisition date |
|
|
47,676 |
|
|
|
7,507 |
|
|
|
15,079 |
|
Discount or premium attributable to other factors |
|
|
1,188 |
|
|
|
1,332 |
|
|
|
2,368 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Par value |
|
¥ |
61,135 |
|
|
¥ |
14,103 |
|
|
¥ |
35,609 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Summary of origination years of financial assets |
The following table provides information about the origination years of financial assets as of March 31, 2025 and 2026 and the gross write-offs, corresponding to each class of financial assets by origination year, recorded during fiscal 2025 and 2026. Card loans to consumer borrowers with a revolving repayment feature that cannot be classified into the origination year are excluded from the table.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Origination year (years ended March 31) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
¥ |
358,952 |
|
|
¥ |
154,694 |
|
|
¥ |
159,847 |
|
|
¥ |
143,281 |
|
|
¥ |
227,594 |
|
|
¥ |
936,220 |
|
|
¥ |
1,980,588 |
|
|
|
Non-Performing |
|
|
586 |
|
|
|
1,421 |
|
|
|
3,101 |
|
|
|
2,086 |
|
|
|
668 |
|
|
|
11,576 |
|
|
¥ |
19,438 |
|
|
|
Gross write-offs |
|
|
206 |
|
|
|
1,773 |
|
|
|
1,136 |
|
|
|
106 |
|
|
|
8 |
|
|
|
70 |
|
|
¥ |
3,299 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
339,308 |
|
|
|
142,337 |
|
|
|
152,451 |
|
|
|
142,224 |
|
|
|
227,484 |
|
|
|
935,996 |
|
|
¥ |
1,939,800 |
|
|
|
Non-Performing |
|
|
224 |
|
|
|
472 |
|
|
|
2,110 |
|
|
|
2,057 |
|
|
|
666 |
|
|
|
11,487 |
|
|
¥ |
17,016 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
62 |
|
|
¥ |
62 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
19,644 |
|
|
|
12,357 |
|
|
|
7,396 |
|
|
|
1,057 |
|
|
|
110 |
|
|
|
224 |
|
|
¥ |
40,788 |
|
|
|
Non-Performing |
|
|
362 |
|
|
|
949 |
|
|
|
991 |
|
|
|
29 |
|
|
|
2 |
|
|
|
89 |
|
|
¥ |
2,422 |
|
|
|
Gross write-offs |
|
|
206 |
|
|
|
1,773 |
|
|
|
1,136 |
|
|
|
106 |
|
|
|
8 |
|
|
|
8 |
|
|
¥ |
3,237 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
865,495 |
|
|
|
246,134 |
|
|
|
133,623 |
|
|
|
154,928 |
|
|
|
42,744 |
|
|
|
175,757 |
|
|
¥ |
1,618,681 |
|
|
|
Non-Performing |
|
|
2,389 |
|
|
|
8,970 |
|
|
|
4,353 |
|
|
|
33,020 |
|
|
|
7,593 |
|
|
|
14,275 |
|
|
¥ |
70,600 |
|
|
|
Gross write-offs |
|
|
65 |
|
|
|
181 |
|
|
|
73 |
|
|
|
2,485 |
|
|
|
24 |
|
|
|
1,594 |
|
|
¥ |
4,422 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Origination year (years ended March 31) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
225,394 |
|
|
|
52,292 |
|
|
|
10,487 |
|
|
|
6,932 |
|
|
|
0 |
|
|
|
6,372 |
|
|
¥ |
301,477 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
The Americas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
44,762 |
|
|
|
20,079 |
|
|
|
7,540 |
|
|
|
886 |
|
|
|
135 |
|
|
|
9,491 |
|
|
¥ |
82,893 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
0 |
|
|
|
67 |
|
|
|
0 |
|
|
|
0 |
|
|
|
3,764 |
|
|
¥ |
3,831 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
150 |
|
|
¥ |
150 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
205,004 |
|
|
|
67,092 |
|
|
|
33,558 |
|
|
|
23,295 |
|
|
|
19,072 |
|
|
|
67,088 |
|
|
¥ |
415,109 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
8 |
|
|
|
549 |
|
|
¥ |
557 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
78 |
|
|
¥ |
78 |
|
Real estate companies in overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
57,678 |
|
|
|
2,458 |
|
|
|
8,833 |
|
|
|
2,828 |
|
|
|
504 |
|
|
|
6,469 |
|
|
¥ |
78,770 |
|
|
|
Non-Performing |
|
|
104 |
|
|
|
680 |
|
|
|
1,283 |
|
|
|
1,188 |
|
|
|
0 |
|
|
|
162 |
|
|
¥ |
3,417 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
Commercial, industrial and other companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
131,439 |
|
|
|
38,390 |
|
|
|
20,382 |
|
|
|
10,761 |
|
|
|
6,412 |
|
|
|
17,740 |
|
|
¥ |
225,124 |
|
|
|
Non-Performing |
|
|
415 |
|
|
|
58 |
|
|
|
130 |
|
|
|
11 |
|
|
|
76 |
|
|
|
86 |
|
|
¥ |
776 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
6 |
|
|
|
140 |
|
|
¥ |
146 |
|
Commercial, industrial and other companies in overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
201,218 |
|
|
|
65,823 |
|
|
|
52,823 |
|
|
|
110,226 |
|
|
|
16,621 |
|
|
|
68,597 |
|
|
¥ |
515,308 |
|
|
|
Non-Performing |
|
|
1,870 |
|
|
|
8,232 |
|
|
|
2,873 |
|
|
|
31,821 |
|
|
|
7,509 |
|
|
|
9,714 |
|
|
¥ |
62,019 |
|
|
|
Gross write-offs |
|
|
65 |
|
|
|
181 |
|
|
|
73 |
|
|
|
2,485 |
|
|
|
18 |
|
|
|
1,226 |
|
|
¥ |
4,048 |
|
Loans to Equity method investees: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
515 |
|
|
|
111,724 |
|
|
|
2,028 |
|
|
|
0 |
|
|
|
1,583 |
|
|
|
14,858 |
|
|
¥ |
130,708 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1,345 |
|
|
¥ |
1,345 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
55 |
|
|
|
39 |
|
|
|
0 |
|
|
|
161 |
|
|
¥ |
255 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Origination year (years ended March 31) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Purchased loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
0 |
|
|
|
52 |
|
|
|
14 |
|
|
|
476 |
|
|
|
86 |
|
|
|
19,497 |
|
|
¥ |
20,125 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
31 |
|
|
|
0 |
|
|
|
1,233 |
|
|
¥ |
1,264 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
57 |
|
|
|
255 |
|
|
|
7,235 |
|
|
¥ |
7,547 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net investment in leases: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
448,045 |
|
|
|
316,681 |
|
|
|
179,111 |
|
|
|
89,639 |
|
|
|
47,256 |
|
|
|
64,828 |
|
|
¥ |
1,145,560 |
|
|
|
Non-Performing |
|
|
2,381 |
|
|
|
5,398 |
|
|
|
4,893 |
|
|
|
1,879 |
|
|
|
836 |
|
|
|
6,433 |
|
|
¥ |
21,820 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
456 |
|
|
|
1,029 |
|
|
|
538 |
|
|
|
353 |
|
|
|
1,129 |
|
|
¥ |
3,505 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
199,069 |
|
|
|
145,491 |
|
|
|
101,351 |
|
|
|
67,720 |
|
|
|
40,680 |
|
|
|
60,287 |
|
|
¥ |
614,598 |
|
|
|
Non-Performing |
|
|
160 |
|
|
|
628 |
|
|
|
763 |
|
|
|
808 |
|
|
|
500 |
|
|
|
1,506 |
|
|
¥ |
4,365 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
34 |
|
|
|
135 |
|
|
|
254 |
|
|
|
256 |
|
|
|
627 |
|
|
¥ |
1,306 |
|
Overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
248,976 |
|
|
|
171,190 |
|
|
|
77,760 |
|
|
|
21,919 |
|
|
|
6,576 |
|
|
|
4,541 |
|
|
¥ |
530,962 |
|
|
|
Non-Performing |
|
|
2,221 |
|
|
|
4,770 |
|
|
|
4,130 |
|
|
|
1,071 |
|
|
|
336 |
|
|
|
4,927 |
|
|
¥ |
17,455 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
422 |
|
|
|
894 |
|
|
|
284 |
|
|
|
97 |
|
|
|
502 |
|
|
¥ |
2,199 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total (excluding revolving repayment card loans) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
¥ |
1,673,007 |
|
|
¥ |
829,285 |
|
|
¥ |
474,623 |
|
|
¥ |
388,324 |
|
|
¥ |
319,263 |
|
|
¥ |
1,211,160 |
|
|
¥ |
4,895,662 |
|
|
|
Non-Performing |
|
|
5,356 |
|
|
|
15,789 |
|
|
|
12,347 |
|
|
|
37,016 |
|
|
|
9,097 |
|
|
|
34,862 |
|
|
¥ |
114,467 |
|
|
|
Gross write-offs |
|
|
271 |
|
|
|
2,410 |
|
|
|
2,293 |
|
|
|
3,225 |
|
|
|
640 |
|
|
|
10,189 |
|
|
¥ |
19,028 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Origination year (years ended March 31) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
¥ |
392,074 |
|
|
¥ |
290,820 |
|
|
¥ |
136,404 |
|
|
¥ |
137,394 |
|
|
¥ |
130,105 |
|
|
¥ |
958,672 |
|
|
¥ |
2,045,469 |
|
|
|
Non-Performing |
|
|
451 |
|
|
|
3,465 |
|
|
|
2,184 |
|
|
|
5,041 |
|
|
|
1,405 |
|
|
|
10,452 |
|
|
¥ |
22,998 |
|
|
|
Gross write-offs |
|
|
137 |
|
|
|
1,046 |
|
|
|
1,390 |
|
|
|
1,156 |
|
|
|
128 |
|
|
|
195 |
|
|
¥ |
4,052 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
371,586 |
|
|
|
279,725 |
|
|
|
130,960 |
|
|
|
134,882 |
|
|
|
129,906 |
|
|
|
958,622 |
|
|
¥ |
2,005,681 |
|
|
|
Non-Performing |
|
|
195 |
|
|
|
3,063 |
|
|
|
1,888 |
|
|
|
4,817 |
|
|
|
1,401 |
|
|
|
10,448 |
|
|
¥ |
21,812 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
34 |
|
|
|
105 |
|
|
|
193 |
|
|
¥ |
332 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
20,488 |
|
|
|
11,095 |
|
|
|
5,444 |
|
|
|
2,512 |
|
|
|
199 |
|
|
|
50 |
|
|
¥ |
39,788 |
|
|
|
Non-Performing |
|
|
256 |
|
|
|
402 |
|
|
|
296 |
|
|
|
224 |
|
|
|
4 |
|
|
|
4 |
|
|
¥ |
1,186 |
|
|
|
Gross write-offs |
|
|
137 |
|
|
|
1,046 |
|
|
|
1,390 |
|
|
|
1,122 |
|
|
|
23 |
|
|
|
2 |
|
|
¥ |
3,720 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
813,938 |
|
|
|
449,888 |
|
|
|
164,930 |
|
|
|
78,714 |
|
|
|
107,095 |
|
|
|
133,575 |
|
|
¥ |
1,748,140 |
|
|
|
Non-Performing |
|
|
1,276 |
|
|
|
3,184 |
|
|
|
9,835 |
|
|
|
7,692 |
|
|
|
13,814 |
|
|
|
26,748 |
|
|
¥ |
62,549 |
|
|
|
Gross write-offs |
|
|
305 |
|
|
|
76 |
|
|
|
471 |
|
|
|
74 |
|
|
|
143 |
|
|
|
3,304 |
|
|
¥ |
4,373 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Origination year (years ended March 31) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
181,856 |
|
|
|
113,115 |
|
|
|
30,906 |
|
|
|
7,633 |
|
|
|
6,753 |
|
|
|
2,858 |
|
|
¥ |
343,121 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
Overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
89,661 |
|
|
|
61,545 |
|
|
|
23,222 |
|
|
|
7,398 |
|
|
|
2,037 |
|
|
|
4,439 |
|
|
¥ |
188,302 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
79 |
|
|
|
4,656 |
|
|
|
855 |
|
|
|
1,065 |
|
|
|
5,351 |
|
|
¥ |
12,006 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1,264 |
|
|
¥ |
1,264 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
211,938 |
|
|
|
96,971 |
|
|
|
40,453 |
|
|
|
22,320 |
|
|
|
19,139 |
|
|
|
69,631 |
|
|
¥ |
460,452 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
19 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
535 |
|
|
¥ |
554 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
5 |
|
|
|
0 |
|
|
|
13 |
|
|
¥ |
18 |
|
Real estate companies in overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
46,394 |
|
|
|
5,163 |
|
|
|
1,147 |
|
|
|
1,120 |
|
|
|
0 |
|
|
|
5,848 |
|
|
¥ |
59,672 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
0 |
|
|
|
440 |
|
|
|
1,586 |
|
|
|
63 |
|
|
|
92 |
|
|
¥ |
2,181 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
Commercial, industrial and other companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
111,912 |
|
|
|
52,689 |
|
|
|
28,678 |
|
|
|
8,018 |
|
|
|
8,374 |
|
|
|
8,501 |
|
|
¥ |
218,172 |
|
|
|
Non-Performing |
|
|
14 |
|
|
|
411 |
|
|
|
47 |
|
|
|
116 |
|
|
|
11 |
|
|
|
139 |
|
|
¥ |
738 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
8 |
|
|
|
7 |
|
|
|
0 |
|
|
|
9 |
|
|
¥ |
24 |
|
Commercial, industrial and other companies in overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
172,177 |
|
|
|
120,405 |
|
|
|
40,524 |
|
|
|
32,225 |
|
|
|
70,792 |
|
|
|
42,298 |
|
|
¥ |
478,421 |
|
|
|
Non-Performing |
|
|
1,262 |
|
|
|
2,675 |
|
|
|
4,692 |
|
|
|
5,135 |
|
|
|
12,675 |
|
|
|
20,631 |
|
|
¥ |
47,070 |
|
|
|
Gross write-offs |
|
|
305 |
|
|
|
76 |
|
|
|
463 |
|
|
|
62 |
|
|
|
143 |
|
|
|
2,018 |
|
|
¥ |
3,067 |
|
Loans to Equity method investees: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
3,032 |
|
|
|
573 |
|
|
|
585 |
|
|
|
2,005 |
|
|
|
21 |
|
|
|
15,020 |
|
|
¥ |
21,236 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1,439 |
|
|
¥ |
1,439 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
0 |
|
|
|
792 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
13,019 |
|
|
¥ |
13,811 |
|
|
|
Non-Performing |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
228 |
|
|
¥ |
228 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
10 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
3,753 |
|
|
¥ |
3,763 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Origination year (years ended March 31) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net investment in leases: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
490,025 |
|
|
|
327,849 |
|
|
|
202,407 |
|
|
|
96,189 |
|
|
|
47,874 |
|
|
|
56,070 |
|
|
¥ |
1,220,414 |
|
|
|
Non-Performing |
|
|
3,616 |
|
|
|
5,892 |
|
|
|
6,810 |
|
|
|
3,699 |
|
|
|
1,456 |
|
|
|
5,604 |
|
|
¥ |
27,077 |
|
|
|
Gross write-offs |
|
|
57 |
|
|
|
396 |
|
|
|
1,337 |
|
|
|
1,559 |
|
|
|
416 |
|
|
|
1,173 |
|
|
¥ |
4,938 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
197,362 |
|
|
|
152,845 |
|
|
|
105,743 |
|
|
|
66,152 |
|
|
|
40,753 |
|
|
|
52,159 |
|
|
¥ |
615,014 |
|
|
|
Non-Performing |
|
|
146 |
|
|
|
517 |
|
|
|
865 |
|
|
|
778 |
|
|
|
668 |
|
|
|
1,345 |
|
|
¥ |
4,319 |
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
16 |
|
|
|
120 |
|
|
|
223 |
|
|
|
189 |
|
|
|
586 |
|
|
¥ |
1,134 |
|
Overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
292,663 |
|
|
|
175,004 |
|
|
|
96,664 |
|
|
|
30,037 |
|
|
|
7,121 |
|
|
|
3,911 |
|
|
¥ |
605,400 |
|
|
|
Non-Performing |
|
|
3,470 |
|
|
|
5,375 |
|
|
|
5,945 |
|
|
|
2,921 |
|
|
|
788 |
|
|
|
4,259 |
|
|
¥ |
22,758 |
|
|
|
Gross write-offs |
|
|
57 |
|
|
|
380 |
|
|
|
1,217 |
|
|
|
1,336 |
|
|
|
227 |
|
|
|
587 |
|
|
¥ |
3,804 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total (excluding revolving repayment card loans) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
¥ |
1,699,069 |
|
|
¥ |
1,069,922 |
|
|
¥ |
504,326 |
|
|
¥ |
314,302 |
|
|
¥ |
285,095 |
|
|
¥ |
1,176,356 |
|
|
¥ |
5,049,070 |
|
|
|
Non-Performing |
|
|
5,343 |
|
|
|
12,541 |
|
|
|
18,829 |
|
|
|
16,432 |
|
|
|
16,675 |
|
|
|
43,032 |
|
|
¥ |
112,852 |
|
|
|
Gross write-offs |
|
|
499 |
|
|
|
1,528 |
|
|
|
3,198 |
|
|
|
2,789 |
|
|
|
687 |
|
|
|
9,864 |
|
|
¥ |
18,565 |
|
|
|
|
|
|
Notes: |
|
1 |
|
Loans held for sale, policy loan receivables of an insurance entity and financing receivables, such as accounts receivable are not included in the table above. |
|
|
2 |
|
Since April 1, 2025, the geographic classification of Non-recourse loans within Installment loans to corporate borrowers has been changed from “The Americas” to “Overseas,” reflecting the occurrence of transactions outside The Americas, although the principal assets remain located in The Americas. |
|
| Summary of revolving repayment card loans |
The information about card loans to consumer borrowers with a revolving repayment feature that cannot be classified into the origination year as of March 31, 2025 and 2026 and the gross write-offs, corresponding to card loans, recorded during fiscal 2025 and 2026 is as follows:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Revolving
repayment
card loans |
|
|
|
|
|
financial assets
measured at amortized
cost |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
¥ |
67,874 |
|
|
¥ |
4,895,662 |
|
|
¥ |
4,963,536 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0 |
|
|
|
114,467 |
|
|
¥ |
114,467 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Gross write-offs |
|
|
0 |
|
|
|
19,028 |
|
|
¥ |
19,028 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Revolving
repayment
card loans |
|
|
|
|
|
financial assets
measured at amortized
cost |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
¥ |
64,600 |
|
|
¥ |
5,049,070 |
|
|
¥ |
5,113,670 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0 |
|
|
|
112,852 |
|
|
¥ |
112,852 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0 |
|
|
|
18,565 |
|
|
¥ |
18,565 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Summary of past-due financial assets |
The following table provides information about the past-due financial assets as of March 31, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
March 31, 2025 |
|
| |
|
|
|
|
|
| |
|
|
|
Past-due financial assets |
|
|
|
|
Portfolio segment |
|
Class |
|
|
|
|
|
|
|
|
|
|
|
|
Consumer borrowers |
|
|
|
¥ |
4,481 |
|
|
¥ |
7,645 |
|
|
¥ |
12,126 |
|
|
¥ |
2,067,900 |
|
|
|
Real estate loans |
|
|
2,536 |
|
|
|
5,423 |
|
|
|
7,959 |
|
|
|
1,956,816 |
|
|
|
Card loans |
|
|
355 |
|
|
|
0 |
|
|
|
355 |
|
|
|
67,874 |
|
|
|
Other |
|
|
1,590 |
|
|
|
2,222 |
|
|
|
3,812 |
|
|
|
43,210 |
|
Corporate borrowers |
|
|
|
|
9,896 |
|
|
|
35,085 |
|
|
|
44,981 |
|
|
|
1,689,281 |
|
|
|
Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
301,477 |
|
|
|
The Americas |
|
|
2,141 |
|
|
|
3,696 |
|
|
|
5,837 |
|
|
|
86,724 |
|
Other than non-recourse loans |
|
Real estate companies in Japan |
|
|
200 |
|
|
|
29 |
|
|
|
229 |
|
|
|
415,666 |
|
|
|
Real estate companies in overseas |
|
|
36 |
|
|
|
2,419 |
|
|
|
2,455 |
|
|
|
82,187 |
|
|
|
Commercial, industrial and other companies in Japan |
|
|
1,992 |
|
|
|
520 |
|
|
|
2,512 |
|
|
|
225,900 |
|
|
|
Commercial, industrial and other companies in overseas |
|
|
5,527 |
|
|
|
28,421 |
|
|
|
33,948 |
|
|
|
577,327 |
|
Loans to Equity method investees |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
132,053 |
|
Net investment in leases |
|
|
|
|
20,113 |
|
|
|
20,577 |
|
|
|
40,690 |
|
|
|
1,167,380 |
|
|
|
Japan |
|
|
3,851 |
|
|
|
3,915 |
|
|
|
7,766 |
|
|
|
618,963 |
|
|
|
Overseas |
|
|
16,262 |
|
|
|
16,662 |
|
|
|
32,924 |
|
|
|
548,417 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
|
|
¥ |
34,490 |
|
|
¥ |
63,307 |
|
|
¥ |
97,797 |
|
|
¥ |
5,056,614 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Past-due financial assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer borrowers |
|
|
|
¥ |
4,742 |
|
|
¥ |
10,817 |
|
|
¥ |
15,559 |
|
|
¥ |
2,133,067 |
|
|
|
Real estate loans |
|
|
2,703 |
|
|
|
9,944 |
|
|
|
12,647 |
|
|
|
2,027,493 |
|
|
|
Card loans |
|
|
350 |
|
|
|
0 |
|
|
|
350 |
|
|
|
64,600 |
|
|
|
Other |
|
|
1,689 |
|
|
|
873 |
|
|
|
2,562 |
|
|
|
40,974 |
|
Corporate borrowers |
|
|
|
|
16,246 |
|
|
|
20,742 |
|
|
|
36,988 |
|
|
|
1,810,689 |
|
|
|
Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
343,121 |
|
|
|
Overseas |
|
|
6,022 |
|
|
|
5,456 |
|
|
|
11,478 |
|
|
|
200,308 |
|
Other than non-recourse loans |
|
Real estate companies in Japan |
|
|
292 |
|
|
|
0 |
|
|
|
292 |
|
|
|
461,006 |
|
|
|
Real estate companies in overseas |
|
|
363 |
|
|
|
2,181 |
|
|
|
2,544 |
|
|
|
61,853 |
|
|
|
Commercial, industrial and other companies in Japan |
|
|
2,442 |
|
|
|
541 |
|
|
|
2,983 |
|
|
|
218,910 |
|
|
|
Commercial, industrial and other companies in overseas |
|
|
7,127 |
|
|
|
12,564 |
|
|
|
19,691 |
|
|
|
525,491 |
|
Loans to Equity method investees |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
21,236 |
|
Net investment in leases |
|
|
|
|
32,063 |
|
|
|
26,397 |
|
|
|
58,460 |
|
|
|
1,247,491 |
|
|
|
Japan |
|
|
2,234 |
|
|
|
3,920 |
|
|
|
6,154 |
|
|
|
619,333 |
|
|
|
Overseas |
|
|
29,829 |
|
|
|
22,477 |
|
|
|
52,306 |
|
|
|
628,158 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
|
|
¥ |
53,051 |
|
|
¥ |
57,956 |
|
|
¥ |
111,007 |
|
|
¥ |
5,212,483 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Notes: 1 |
Loans held for sale, policy loans receivable of an insurance entity and purchased loans are not included in the table above. |
2 |
Since April 1, 2025, the geographic classification of Non-recourse loans within Installment loans to corporate borrowers has been changed from “The Americas” to “Overseas,” reflecting the occurrence of transactions outside The Americas, although the principal assets remain located in The Americas . |
|
| Summary of non-accrual of financial assets |
The following table provides information about non-accrual of financial assets as of March 31, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
| |
|
|
|
| |
|
|
|
|
|
|
|
Interest income
recognized during
the reporting period |
|
|
Balance not
associated
allowance for credit
losses among
financial assets
measured at
amortized cost,
which is suspending
recognition of
income |
|
Non-accrual of financial assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Installment loans to consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
¥ |
1,095 |
|
|
¥ |
1,235 |
|
|
¥ |
260 |
|
|
¥ |
128 |
|
Overseas |
|
|
1,107 |
|
|
|
4,976 |
|
|
|
0 |
|
|
|
0 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
96 |
|
|
|
86 |
|
|
|
1 |
|
|
|
0 |
|
Overseas |
|
|
2,574 |
|
|
|
2,373 |
|
|
|
0 |
|
|
|
4 |
|
Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
The Americas |
|
|
3,116 |
|
|
|
3,831 |
|
|
|
0 |
|
|
|
603 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
115 |
|
|
|
29 |
|
|
|
30 |
|
|
|
0 |
|
Overseas |
|
|
1,731 |
|
|
|
3,417 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
355 |
|
|
|
520 |
|
|
|
54 |
|
|
|
37 |
|
Overseas |
|
|
27,636 |
|
|
|
60,629 |
|
|
|
0 |
|
|
|
2,203 |
|
Loans to Equity method investees |
|
|
1,929 |
|
|
|
1,345 |
|
|
|
0 |
|
|
|
0 |
|
Net investment in leases |
|
|
19,002 |
|
|
|
20,597 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
58,756 |
|
|
¥ |
99,038 |
|
|
¥ |
345 |
|
|
¥ |
2,975 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest income
recognized during
the reporting period |
|
|
Balance not
associated
allowance for credit
losses among
financial assets
measured at
amortized cost,
which is suspending
recognition of
income |
|
Non-accrual of financial assets: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Installment loans to consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
¥ |
1,235 |
|
|
¥ |
1,050 |
|
|
¥ |
281 |
|
|
¥ |
322 |
|
Overseas |
|
|
4,976 |
|
|
|
8,895 |
|
|
|
0 |
|
|
|
137 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
86 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Overseas |
|
|
2,373 |
|
|
|
982 |
|
|
|
0 |
|
|
|
3 |
|
Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Overseas |
|
|
3,831 |
|
|
|
11,477 |
|
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
29 |
|
|
|
0 |
|
|
|
22 |
|
|
|
0 |
|
Overseas |
|
|
3,417 |
|
|
|
2,181 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
520 |
|
|
|
541 |
|
|
|
3 |
|
|
|
0 |
|
Overseas |
|
|
60,629 |
|
|
|
46,642 |
|
|
|
0 |
|
|
|
2,399 |
|
Loans to Equity method investees |
|
|
1,345 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Net investment in leases |
|
|
20,597 |
|
|
|
26,420 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
99,038 |
|
|
¥ |
98,188 |
|
|
¥ |
306 |
|
|
¥ |
2,861 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Note: |
Since April 1, 2025, the geographic classification of Non-recourse loans within Installment loans to corporate borrowers has been changed from “The Americas” to “Overseas,” reflecting the occurrence of transactions outside The Americas, although the principal assets remain located in The Americas. |
|
| Summary of modifications of financing receivables |
The following table provides information about modifications of financing receivables made to debtors experiencing financial difficulty that occurred during fiscal 2024, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
¥ |
1,266 |
|
|
|
0.1 |
|
|
¥ |
4,652 |
|
|
|
0.2 |
|
|
¥ |
42 |
|
|
|
0.0 |
|
|
|
|
5 |
|
|
|
0.0 |
|
|
|
1 |
|
|
|
0.0 |
|
|
|
1 |
|
|
|
0.0 |
|
|
|
|
1,176 |
|
|
|
1.6 |
|
|
|
6 |
|
|
|
0.0 |
|
|
|
40 |
|
|
|
0.1 |
|
|
|
|
85 |
|
|
|
0.2 |
|
|
|
4,645 |
|
|
|
9.2 |
|
|
|
1 |
|
|
|
0.0 |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
4,499 |
|
|
|
0.3 |
|
|
|
932 |
|
|
|
0.1 |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
1,277 |
|
|
|
0.7 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
1,277 |
|
|
|
2.5 |
|
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
0 |
|
|
|
0 |
|
|
|
3,222 |
|
|
|
0.3 |
|
|
|
932 |
|
|
|
0.1 |
|
Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
69 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
711 |
|
|
|
0.4 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
0 |
|
|
|
0 |
|
|
|
2,442 |
|
|
|
0.3 |
|
|
|
932 |
|
|
|
0.1 |
|
Loans to Equity method investees |
|
|
0 |
|
|
|
0 |
|
|
|
955 |
|
|
|
0.4 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
¥ |
1,266 |
|
|
|
0.0 |
|
|
¥ |
10,106 |
|
|
|
0.2 |
|
|
¥ |
974 |
|
|
|
0.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2025 |
|
Millions of yen |
|
Portfolio segment |
|
|
|
|
|
|
|
|
|
Class |
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
Consumer borrowers |
|
¥ |
2 |
|
|
|
0.0 |
|
|
¥ |
50 |
|
|
|
0.0 |
|
|
¥ |
0 |
|
|
|
0 |
|
Other |
|
|
2 |
|
|
|
0.0 |
|
|
|
50 |
|
|
|
0.1 |
|
|
|
0 |
|
|
|
0 |
|
Corporate borrowers |
|
|
0 |
|
|
|
0 |
|
|
|
11,318 |
|
|
|
0.7 |
|
|
|
16 |
|
|
|
0.0 |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
2,141 |
|
|
|
0.6 |
|
|
|
0 |
|
|
|
0 |
|
The Americas |
|
|
0 |
|
|
|
0 |
|
|
|
2,141 |
|
|
|
2.5 |
|
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
0 |
|
|
|
0 |
|
|
|
9,177 |
|
|
|
0.7 |
|
|
|
16 |
|
|
|
0.0 |
|
Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
1,272 |
|
|
|
0.3 |
|
|
|
0 |
|
|
|
0 |
|
Real estate companies in overseas |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
623 |
|
|
|
0.2 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
0 |
|
|
|
0 |
|
|
|
7,282 |
|
|
|
1.3 |
|
|
|
16 |
|
|
|
0.0 |
|
Loans to Equity method investees |
|
|
0 |
|
|
|
0 |
|
|
|
933 |
|
|
|
0.7 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
2 |
|
|
|
0.0 |
|
|
¥ |
12,301 |
|
|
|
0.2 |
|
|
¥ |
16 |
|
|
|
0.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Combination - interest rate reduction and term extension |
|
|
|
|
|
|
% of total
class of
financing
receivable |
|
Consumer borrowers |
|
¥ |
138 |
|
|
|
0.0 |
|
Other |
|
|
138 |
|
|
|
0.3 |
|
Corporate borrowers |
|
|
14,407 |
|
|
|
0.8 |
|
|
|
|
0 |
|
|
|
0 |
|
The Americas |
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
14,407 |
|
|
|
1.1 |
|
Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
Real estate companies in overseas |
|
|
1,701 |
|
|
|
1.3 |
|
Commercial, industrial and other companies in Japan |
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
12,706 |
|
|
|
2.2 |
|
Loans to Equity method investees |
|
|
0 |
|
|
|
0 |
|
Total |
|
¥ |
14,545 |
|
|
|
0.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
Consumer borrowers |
|
¥ |
7 |
|
|
|
0.0 |
|
|
¥ |
15 |
|
|
|
0.0 |
|
|
¥ |
5 |
|
|
|
0.0 |
|
Other |
|
|
7 |
|
|
|
0.0 |
|
|
|
15 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
Corporate borrowers |
|
|
0 |
|
|
|
0 |
|
|
|
8,859 |
|
|
|
0.5 |
|
|
|
12 |
|
|
|
0.0 |
|
Other than non-recourse loans |
|
|
0 |
|
|
|
0 |
|
|
|
8,859 |
|
|
|
0.7 |
|
|
|
12 |
|
|
|
0.0 |
|
Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
313 |
|
|
|
0.1 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
404 |
|
|
|
0.2 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
0 |
|
|
|
0 |
|
|
|
8,142 |
|
|
|
1.5 |
|
|
|
12 |
|
|
|
0.0 |
|
Net investment in leases |
|
|
0 |
|
|
|
0 |
|
|
|
91 |
|
|
|
0.0 |
|
|
|
12 |
|
|
|
0.0 |
|
Japan |
|
|
0 |
|
|
|
0 |
|
|
|
91 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
Overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
7 |
|
|
|
0.0 |
|
|
¥ |
8,965 |
|
|
|
0.2 |
|
|
¥ |
29 |
|
|
|
0.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Combination - interest rate reduction and term extension |
|
|
Combination - interest rate reduction, term extension and principal forgiveness |
|
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
¥ |
83 |
|
|
|
0.0 |
|
|
¥ |
0 |
|
|
|
0 |
|
|
|
|
83 |
|
|
|
0.2 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
1,495 |
|
|
|
0.1 |
|
|
|
2,620 |
|
|
|
0.1 |
|
Other than non-recourse loans |
|
|
1,495 |
|
|
|
0.1 |
|
|
|
2,620 |
|
|
|
0.2 |
|
Real estate companies in Japan |
|
|
130 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
1,365 |
|
|
|
0.3 |
|
|
|
2,620 |
|
|
|
0.5 |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
¥ |
1,578 |
|
|
|
0.0 |
|
|
¥ |
2,620 |
|
|
|
0.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Summary of financial effect of modifications of financing receivable |
The following table provides information about the financial effect of the modifications of financing receivables made to debtors experiencing financial difficulty that occurred during fiscal 2024, 2025 and 2026:
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer borrowers |
|
|
|
|
|
|
Real estate loans |
|
Reduced weighted-average contractual interest rate from 5.3% to 0.0%. |
|
Added a weighted-average 1.0 years to the life of loans. |
|
Reduced the amortized cost basis of the loans by ¥8 million. |
Card loans |
|
Reduced weighted-average contractual interest rate from 12.7% to 0.7%. |
|
Added a weighted-average 0.9 years to the life of loans. |
|
Reduced the amortized cost basis of the loans by ¥185 million. |
Other |
|
Reduced weighted-average contractual interest rate from 14.6% to 5.3%. |
|
Added a weighted-average 4.9 years to the life of loans. |
|
Reduced the amortized cost basis of the loans by ¥785 million. |
Corporate borrowers |
|
|
|
|
|
|
|
|
|
|
|
|
|
The Americas |
|
— |
|
Added a weighted-average 1.0 years to the life of loans. |
|
— |
Other than non-recourse loans |
|
|
|
|
|
|
Real estate companies in Japan |
|
— |
|
Added a weighted-average 0.5 years to the life of loans. |
|
— |
|
|
|
|
|
|
|
Commercial, industrial and other companies in Japan |
|
— |
|
Added a weighted-average 1.0 years to the life of loans. |
|
— |
Commercial, industrial and other companies in overseas |
|
Reduced weighted-average contractual interest rate from 8.8% to 6.4%. |
|
Added a weighted-average 3.1 years to the life of loans. |
|
Reduced the amortized cost basis of the loans by ¥1,487 million. |
Loans to Equity method investees |
|
— |
|
Added a weighted-average 0.6 years to the life of loans. |
|
Reduced the amortized cost basis of the loans by ¥624 million. |
Net investment in leases |
|
|
|
|
|
|
Overseas |
|
— |
|
— |
|
Reduced the amortized cost basis of the loans by ¥0 million. |
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Reduced weighted-average contractual interest rate from 16.5% to 11.8%. |
|
Added a weighted-average 2.4 years to the life of loans. |
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
— |
|
Added a weighted-average 0.2 years to the life of loans. |
|
— |
Other than non-recourse loans |
|
|
|
|
|
|
Real estate companies in Japan |
|
— |
|
Added a weighted-average 2.6 years to the life of loans. |
|
— |
Real estate companies in overseas |
|
Reduced weighted-average contractual interest rate from 7.9% to 6.5%. |
|
Added a weighted-average 2.5 years to the life of loans. |
|
— |
|
|
|
|
|
|
|
Commercial, industrial and other companies in Japan |
|
— |
|
Added a weighted-average 0.9 years to the life of loans. |
|
— |
Commercial, industrial and other companies in overseas |
|
Reduced weighted-average contractual interest rate from 15.2% to 11.8%. |
|
Added a weighted-average 1.1 years to the life of loans. |
|
Reduced the amortized cost basis of the loans by ¥11 million. |
Loans to Equity method investees |
|
— |
|
Added a weighted-average 0.5 years to the life of loans. |
|
— |
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
— |
|
— |
|
Reduced the amortized cost basis of the loans by ¥54 million. |
|
|
Reduced weighted-average contractual interest rate from 16.4% to 11.6%. |
|
Added a weighted-average 2.5 years to the life of loans. |
|
— |
|
|
|
|
|
|
|
Other than non-recourse loans |
|
|
|
|
|
|
Real estate companies in Japan |
|
Reduced weighted-average contractual interest rate from 2.7% to 2.4%. |
|
Added a weighted-average 0.5 years to the life of loans. |
|
— |
Commercial, industrial and other companies in Japan |
|
— |
|
Added a weighted-average 0.9 years to the life of loans. |
|
— |
Commercial, industrial and other companies in overseas |
|
Reduced weighted-average contractual interest rate from 12.1% to 6.0%. |
|
Added a weighted-average 1.6 years to the life of loans. |
|
Reduced the amortized cost basis of the loans by ¥1,405 million. |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
— |
|
Added a weighted-average 0.5 years to the life of loans. |
|
— |
|
|
— |
|
— |
|
Reduced the amortized cost basis of the loans by ¥35 million. |
|
| Summary of financing receivables payment default and modifications of past due |
The following table provides information about financing receivable that had a payment default and had been modified, when the debtor was experiencing financial difficulty, within the previous 12 months preceding the payment default date during fiscal 2024, 2025 and 2026.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2024 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Combination
- interest rate
reduction and
term
extension |
|
|
Combination - interest rate reduction and principal forgiveness |
|
|
Combination - term extension and principal forgiveness |
|
|
|
|
¥ |
25 |
|
|
¥ |
212 |
|
|
¥ |
1 |
|
|
¥ |
0 |
|
|
¥ |
33 |
|
|
¥ |
9 |
|
|
|
|
3 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
18 |
|
|
|
0 |
|
|
|
1 |
|
|
|
0 |
|
|
|
28 |
|
|
|
0 |
|
|
|
|
4 |
|
|
|
212 |
|
|
|
0 |
|
|
|
0 |
|
|
|
5 |
|
|
|
9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
¥ |
25 |
|
|
¥ |
212 |
|
|
¥ |
1 |
|
|
¥ |
0 |
|
|
¥ |
33 |
|
|
¥ |
9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Fiscal Year ended March 31, 2025 |
|
| |
|
|
|
Portfolio segment |
|
|
|
|
|
|
|
|
|
|
Combination
- interest rate
reduction and
term
extension |
|
|
Combination - interest rate reduction and principal forgiveness |
|
|
Combination - term extension and principal forgiveness |
|
Class |
Consumer borrowers |
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
17 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
Other |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
17 |
|
|
|
0 |
|
|
|
0 |
|
Corporate borrowers |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
7,620 |
|
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
7,620 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial, industrial and other companies in overseas |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
7,620 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
7,637 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Fiscal Year ended March 31, 2026 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Combination
- interest rate
reduction and
term
extension |
|
|
Combination - interest rate reduction and principal forgiveness |
|
|
Combination - term extension and principal forgiveness |
|
|
Corporate borrowers |
|
¥ |
0 |
|
|
¥ |
8,142 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
Other than non-recourse loans |
|
|
0 |
|
|
|
8,142 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
0 |
|
|
|
8,142 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
0 |
|
|
¥ |
8,142 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Summary of past due financial assets modified to debtors |
The Company and its subsidiaries consider financing receivables whose terms have been modified to debtors experiencing financial difficulty as defaulted receivables when principal or interest is past-due 90 days or more in accordance with the modified terms. In common with all portfolio segments, the Company and its subsidiaries suspend accruing interest and may recognize additional allowance for credit losses as necessary for the defaulted receivables. The following table provides information about the past-due financial assets modified to debtors experiencing financial difficulty within the previous 12 months from March 31, 2024, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
¥ |
35 |
|
|
¥ |
91 |
|
|
¥ |
7 |
|
|
|
|
1 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
34 |
|
|
|
91 |
|
|
|
7 |
|
|
|
|
6,140 |
|
|
|
0 |
|
|
|
284 |
|
|
|
|
1,277 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
1,277 |
|
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
4,863 |
|
|
|
0 |
|
|
|
284 |
|
Real estate companies in Japan |
|
|
37 |
|
|
|
0 |
|
|
|
32 |
|
Commercial, industrial and other companies in Japan |
|
|
481 |
|
|
|
0 |
|
|
|
230 |
|
Commercial, industrial and other companies in overseas |
|
|
4,345 |
|
|
|
0 |
|
|
|
22 |
|
Loans to Equity method investees |
|
|
4,347 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
10,522 |
|
|
¥ |
91 |
|
|
¥ |
291 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer borrowers |
|
¥ |
173 |
|
|
¥ |
1 |
|
|
¥ |
17 |
|
Other |
|
|
173 |
|
|
|
1 |
|
|
|
17 |
|
Corporate borrowers |
|
|
23,857 |
|
|
|
2,141 |
|
|
|
45 |
|
|
|
|
0 |
|
|
|
2,141 |
|
|
|
0 |
|
The Americas |
|
|
0 |
|
|
|
2,141 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
23,857 |
|
|
|
0 |
|
|
|
45 |
|
Real estate companies in Japan |
|
|
1,243 |
|
|
|
0 |
|
|
|
29 |
|
Real estate companies in overseas |
|
|
1,701 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in Japan |
|
|
623 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
20,290 |
|
|
|
0 |
|
|
|
16 |
|
Loans to Equity method investees |
|
|
933 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
24,963 |
|
|
¥ |
2,142 |
|
|
¥ |
62 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Consumer borrowers |
|
¥ |
105 |
|
|
¥ |
0 |
|
|
¥ |
5 |
|
Real estate loans |
|
|
0 |
|
|
|
0 |
|
|
|
5 |
|
Other |
|
|
105 |
|
|
|
0 |
|
|
|
0 |
|
Corporate borrowers |
|
|
12,973 |
|
|
|
0 |
|
|
|
12 |
|
Other than non-recourse loans |
|
|
12,973 |
|
|
|
0 |
|
|
|
12 |
|
Real estate companies in Japan |
|
|
443 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in Japan |
|
|
404 |
|
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
12,126 |
|
|
|
0 |
|
|
|
12 |
|
Net investment in leases |
|
|
91 |
|
|
|
0 |
|
|
|
12 |
|
Japan |
|
|
91 |
|
|
|
0 |
|
|
|
0 |
|
Overseas |
|
|
0 |
|
|
|
0 |
|
|
|
12 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
13,169 |
|
|
¥ |
0 |
|
|
¥ |
29 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|