Credit Quality of Financial Assets and the Allowance for Credit Losses (Tables)
|
6 Months Ended |
Sep. 30, 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 as of March 31, 2026, and for the six months ended September 30, 2025 and 2026 :
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Six months ended September 30, 2025 |
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Millions of yen |
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| |
|
Beginning
balance |
|
|
Provision
(Reversal) *3 |
|
|
Allowance
for credit
losses on
acquired
financial
assets at
acquisition |
|
|
Charge-offs *4 |
|
|
Recoveries |
|
|
Other *5 |
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|
Ending
balance |
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|
Collective
(pool)
assessment |
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|
Individual
assessment |
|
Allowance for credit losses: |
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|
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|
|
|
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|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
Installment loans to consumer borrowers: |
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|
|
|
|
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|
|
|
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|
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|
|
|
|
|
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Real estate loans |
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|
|
|
|
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|
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|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
¥ |
278 |
|
|
¥ |
(10 |
) |
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
7 |
|
|
¥ |
(275 |
) |
|
¥ |
0 |
|
|
¥ |
0 |
|
|
¥ |
0 |
|
Overseas |
|
|
1,679 |
|
|
|
(95 |
) |
|
|
0 |
|
|
|
(78 |
) |
|
|
0 |
|
|
|
47 |
|
|
|
1,553 |
|
|
|
494 |
|
|
|
1,059 |
|
Other |
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
90 |
|
|
|
(4 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
2 |
|
|
|
(84 |
) |
|
|
4 |
|
|
|
4 |
|
|
|
0 |
|
Overseas |
|
|
3,048 |
|
|
|
1,142 |
|
|
|
0 |
|
|
|
(1,286 |
) |
|
|
188 |
|
|
|
(16 |
) |
|
|
3,076 |
|
|
|
1,295 |
|
|
|
1,781 |
|
Installment loans to corporate borrowers: |
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|
|
|
|
|
|
|
|
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|
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|
|
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|
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|
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|
Non-recourse loans |
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|
|
|
|
|
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|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
91 |
|
|
|
7 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(6 |
) |
|
|
92 |
|
|
|
92 |
|
|
|
0 |
|
Overseas |
|
|
2,593 |
|
|
|
2,022 |
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|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1,029 |
|
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|
5,644 |
|
|
|
2,598 |
|
|
|
3,046 |
|
Other than non-recourse loans |
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|
Real estate companies |
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|
|
|
|
|
|
|
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|
|
|
|
|
|
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|
Japan |
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|
351 |
|
|
|
29 |
|
|
|
0 |
|
|
|
0 |
|
|
|
13 |
|
|
|
0 |
|
|
|
393 |
|
|
|
369 |
|
|
|
24 |
|
Overseas |
|
|
2,046 |
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|
178 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(967 |
) |
|
|
1,257 |
|
|
|
715 |
|
|
|
542 |
|
Commercial, industrial and other companies |
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|
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|
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|
|
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|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
Japan |
|
|
950 |
|
|
|
(6 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
4 |
|
|
|
(41 |
) |
|
|
907 |
|
|
|
449 |
|
|
|
458 |
|
Overseas |
|
|
20,063 |
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|
|
2,571 |
|
|
|
0 |
|
|
|
(1,992 |
) |
|
|
59 |
|
|
|
24 |
|
|
|
20,725 |
|
|
|
12,006 |
|
|
|
8,719 |
|
Loans to Equity method investees |
|
|
1,512 |
|
|
|
19 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
(5 |
) |
|
|
1,526 |
|
|
|
186 |
|
|
|
1,340 |
|
Purchased loans *1 |
|
|
1,342 |
|
|
|
7 |
|
|
|
3,633 |
|
|
|
(3,659 |
) |
|
|
0 |
|
|
|
(984 |
) |
|
|
339 |
|
|
|
133 |
|
|
|
206 |
|
Net investment in leases: |
|
|
18,122 |
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|
|
1,426 |
|
|
|
0 |
|
|
|
(1,344 |
) |
|
|
137 |
|
|
|
321 |
|
|
|
18,662 |
|
|
|
11,254 |
|
|
|
7,408 |
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
Subtotal |
|
|
52,165 |
|
|
|
7,286 |
|
|
|
3,633 |
|
|
|
(8,359 |
) |
|
|
410 |
|
|
|
(957 |
) |
|
|
54,178 |
|
|
|
29,595 |
|
|
|
24,583 |
|
|
|
|
|
|
|
|
|
|
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|
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|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost *2 |
|
|
895 |
|
|
|
57 |
|
|
|
0 |
|
|
|
(74 |
) |
|
|
0 |
|
|
|
6 |
|
|
|
884 |
|
|
|
297 |
|
|
|
587 |
|
|
|
|
|
|
|
|
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|
|
|
|
|
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|
|
|
|
|
|
|
|
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|
Total |
|
¥ |
53,060 |
|
|
¥ |
7,343 |
|
|
¥ |
3,633 |
|
|
¥ |
(8,433 |
) |
|
¥ |
410 |
|
|
¥ |
(951 |
) |
|
¥ |
55,062 |
|
|
¥ |
29,892 |
|
|
¥ |
25,170 |
|
|
|
|
|
|
|
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| |
|
|
|
| |
|
|
|
| |
|
|
|
|
Collective
(pool)
assessment |
|
|
|
|
Allowance for credit losses: |
|
|
|
|
|
|
|
|
|
|
|
|
Installment loans to consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
Overseas |
|
¥ |
1,819 |
|
|
¥ |
367 |
|
|
¥ |
1,452 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
3 |
|
|
|
3 |
|
|
|
0 |
|
Overseas |
|
|
2,092 |
|
|
|
1,449 |
|
|
|
643 |
|
Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
170 |
|
|
|
170 |
|
|
|
0 |
|
Overseas |
|
|
5,635 |
|
|
|
2,224 |
|
|
|
3,411 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
522 |
|
|
|
522 |
|
|
|
0 |
|
Overseas |
|
|
1,490 |
|
|
|
519 |
|
|
|
971 |
|
Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
1,113 |
|
|
|
646 |
|
|
|
467 |
|
Overseas |
|
|
30,625 |
|
|
|
11,946 |
|
|
|
18,679 |
|
Loans to Equity method investees |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Purchased loans *1 |
|
|
7,488 |
|
|
|
133 |
|
|
|
7,355 |
|
Net investment in leases: |
|
|
19,907 |
|
|
|
13,218 |
|
|
|
6,689 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Subtotal |
|
|
70,864 |
|
|
|
31,197 |
|
|
|
39,667 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost *2 |
|
|
5,478 |
|
|
|
655 |
|
|
|
4,823 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
76,342 |
|
|
¥ |
31,852 |
|
|
¥ |
44,490 |
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
|
|
|
|
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|
|
|
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|
|
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|
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|
|
|
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|
|
|
|
|
| |
|
Six months ended September 30, 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 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Overseas |
|
¥ |
1,819 |
|
|
¥ |
(236 |
) |
|
¥ |
0 |
|
|
¥ |
(290 |
) |
|
¥ |
1 |
|
|
¥ |
127 |
|
|
¥ |
1,421 |
|
|
¥ |
75 |
|
|
¥ |
1,346 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
3 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
3 |
|
|
|
3 |
|
|
|
0 |
|
Overseas |
|
|
2,092 |
|
|
|
545 |
|
|
|
0 |
|
|
|
(904 |
) |
|
|
196 |
|
|
|
(95 |
) |
|
|
1,834 |
|
|
|
1,273 |
|
|
|
561 |
|
Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
170 |
|
|
|
(84 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
1 |
|
|
|
87 |
|
|
|
87 |
|
|
|
0 |
|
Overseas |
|
|
5,635 |
|
|
|
(899 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
61 |
|
|
|
4,797 |
|
|
|
1,793 |
|
|
|
3,004 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
522 |
|
|
|
(305 |
) |
|
|
0 |
|
|
|
0 |
|
|
|
341 |
|
|
|
(1 |
) |
|
|
557 |
|
|
|
557 |
|
|
|
0 |
|
Overseas |
|
|
1,490 |
|
|
|
1,554 |
|
|
|
0 |
|
|
|
(1,074 |
) |
|
|
0 |
|
|
|
(33 |
) |
|
|
1,937 |
|
|
|
666 |
|
|
|
1,271 |
|
Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
1,113 |
|
|
|
(30 |
) |
|
|
0 |
|
|
|
(393 |
) |
|
|
4 |
|
|
|
0 |
|
|
|
694 |
|
|
|
634 |
|
|
|
60 |
|
Overseas |
|
|
30,625 |
|
|
|
(1,125 |
) |
|
|
0 |
|
|
|
(7,213 |
) |
|
|
545 |
|
|
|
(144 |
) |
|
|
22,688 |
|
|
|
11,841 |
|
|
|
10,847 |
|
Loans to Equity method investees |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
Purchased loans *1 |
|
|
7,488 |
|
|
|
312 |
|
|
|
0 |
|
|
|
(326 |
) |
|
|
3 |
|
|
|
(454 |
) |
|
|
7,023 |
|
|
|
126 |
|
|
|
6,897 |
|
Net investment in leases: |
|
|
19,907 |
|
|
|
1,799 |
|
|
|
0 |
|
|
|
(2,542 |
) |
|
|
231 |
|
|
|
(17 |
) |
|
|
19,378 |
|
|
|
13,437 |
|
|
|
5,941 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Subtotal |
|
|
70,864 |
|
|
|
1,531 |
|
|
|
0 |
|
|
|
(12,742 |
) |
|
|
1,321 |
|
|
|
(555 |
) |
|
|
60,419 |
|
|
|
30,492 |
|
|
|
29,927 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost *2 |
|
|
5,478 |
|
|
|
387 |
|
|
|
0 |
|
|
|
(3,602 |
) |
|
|
0 |
|
|
|
(36 |
) |
|
|
2,227 |
|
|
|
748 |
|
|
|
1,479 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
¥ |
76,342 |
|
|
¥ |
1,918 |
|
|
¥ |
0 |
|
|
¥ |
(16,344 |
) |
|
¥ |
1,321 |
|
|
¥ |
(591 |
) |
|
¥ |
62,646 |
|
|
¥ |
31,240 |
|
|
¥ |
31,406 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Note: |
|
|
|
Loans held for sale and policy loan receivables of an insurance entity are not in the scope of allowance for credit losses. |
| *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. 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 ¥9,781 million and ¥1,830 million during the six months ended September 30, 2025 and 2026. The reconciliation between the above table and the amounts reported on the consolidated statements of income during the six months ended September 30, 2025 and 2026 are as follows: |
|
|
|
|
|
|
|
|
|
| |
|
Millions of yen |
|
| |
|
Six months
ended
September 30,
2025 |
|
|
Six months
ended
September 30,
2026 |
|
| |
|
Provision for
credit losses |
|
|
Provision for
credit losses |
|
Net investment in leases |
|
¥ |
1,426 |
|
|
¥ |
1,799 |
|
Installment loans |
|
|
5,860 |
|
|
|
(268 |
) |
|
|
|
|
|
|
|
|
|
Subtotal in the above table |
|
|
7,286 |
|
|
|
1,531 |
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost |
|
|
57 |
|
|
|
387 |
|
|
|
|
|
|
|
|
|
|
Total in the above table |
|
|
7,343 |
|
|
|
1,918 |
|
|
|
|
|
|
|
|
|
|
Off-balance sheet credit exposures *3(a) |
|
|
2,336 |
|
|
|
(66 |
) |
Available-for-sale debt securities *3(b) |
|
|
102 |
|
|
|
(22 |
) |
|
|
|
|
|
|
|
|
|
Amount reported on the consolidated financial statements |
|
¥ |
9,781 |
|
|
¥ |
1,830 |
|
|
|
|
|
|
|
|
|
|
| |
*3(a) |
The allowance for off-balance sheet credit exposure were ¥17,611 million and ¥17,175 million as of March 31, 2026 and September 30, 2026, respectively, and the amounts are recorded in “Other liabilities” on the consolidated balance sheets. For further information, see Note 24 “Commitments, Guarantees and Contingent Liabilities.” |
| |
*3(b) |
The allowance for available-for-sale debt securities were ¥3,505 million and ¥3,354 million as of March 31, 2026 and September 30, 2026, respectively, and the amounts are recorded as a reduction in “Investment in securities” on the consolidated balance sheets. For further information, see Note 8 “Investment in Securities.” |
| *4 |
Charge-offs of purchased loans include write-offs of purchased loans at the acquisition date of ¥3,633 million during the six months ended September 30, 2025. There were no such write-offs during the six months ended September 30, 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 |
|
|
|
|
|
|
|
|
|
| |
|
Millions of yen |
|
| |
|
Six months
ended
September 30,
2025 |
|
|
Six months
ended
September 30,
2026 |
|
| |
|
Provision for
credit losses |
|
|
Provision for
credit losses |
|
Net investment in leases |
|
¥ |
1,426 |
|
|
¥ |
1,799 |
|
Installment loans |
|
|
5,860 |
|
|
|
(268 |
) |
|
|
|
|
|
|
|
|
|
Subtotal in the above table |
|
|
7,286 |
|
|
|
1,531 |
|
|
|
|
|
|
|
|
|
|
Other financial assets measured at amortized cost |
|
|
57 |
|
|
|
387 |
|
|
|
|
|
|
|
|
|
|
Total in the above table |
|
|
7,343 |
|
|
|
1,918 |
|
|
|
|
|
|
|
|
|
|
Off-balance sheet credit exposures *3(a) |
|
|
2,336 |
|
|
|
(66 |
) |
Available-for-sale debt securities *3(b) |
|
|
102 |
|
|
|
(22 |
) |
|
|
|
|
|
|
|
|
|
Amount reported on the consolidated financial statements |
|
¥ |
9,781 |
|
|
¥ |
1,830 |
|
|
|
|
|
|
|
|
|
|
| |
*3(a) |
The allowance for off-balance sheet credit exposure were ¥17,611 million and ¥17,175 million as of March 31, 2026 and September 30, 2026, respectively, and the amounts are recorded in “Other liabilities” on the consolidated balance sheets. For further information, see Note 24 “Commitments, Guarantees and Contingent Liabilities.” |
| |
*3(b) |
The allowance for available-for-sale debt securities were ¥3,505 million and ¥3,354 million as of March 31, 2026 and September 30, 2026, respectively, and the amounts are recorded as a reduction in “Investment in securities” on the consolidated balance sheets. For further information, see Note 8 “Investment in Securities.” |
|
| Summary of purchased loans |
The following table provides information about purchased loans which were acquired for the six months ended September 30, 2025 and 2026:
|
|
|
|
|
|
|
|
|
| |
|
Millions of yen |
|
| |
|
Six months ended
September 30, 2025 |
|
|
Six months ended
September 30, 2026 |
|
Purchase price |
|
¥ |
3,862 |
|
|
¥ |
0 |
|
Allowance for credit losses at acquisition date |
|
|
3,633 |
|
|
|
0 |
|
Discount or premium attributable to other factors |
|
|
876 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
Par value |
|
¥ |
8,371 |
|
|
¥ |
0 |
|
|
|
|
|
|
|
|
|
|
|
| Summary of origination years of financial assets |
The following table provides information about the origination years of financial assets as of March 31, 2026 and the gross write-offs recorded during the six months ended September 30, 2025.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
March 31, 2026 |
|
Millions of yen |
|
Portfolio segment |
|
Origination year (years ended March 31) |
|
|
Total |
|
Class |
|
|
|
Credit Quality |
|
2026 |
|
|
2025 |
|
|
2024 |
|
|
2023 |
|
|
2022 |
|
|
Prior |
|
Consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
¥ |
21,929 |
|
|
¥ |
12,499 |
|
|
¥ |
7,687 |
|
|
¥ |
6,318 |
|
|
¥ |
6,619 |
|
|
¥ |
11,391 |
|
|
¥ |
66,443 |
|
Non-Performing |
|
|
359 |
|
|
|
3,314 |
|
|
|
2,154 |
|
|
|
4,879 |
|
|
|
1,235 |
|
|
|
709 |
|
|
¥ |
12,650 |
|
Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
1,441 |
|
|
|
1,404 |
|
|
|
2,243 |
|
|
|
3,806 |
|
|
|
6,420 |
|
|
|
11,341 |
|
|
¥ |
26,655 |
|
Non-Performing |
|
|
103 |
|
|
|
2,912 |
|
|
|
1,858 |
|
|
|
4,655 |
|
|
|
1,231 |
|
|
|
705 |
|
|
¥ |
11,464 |
|
Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
20,488 |
|
|
|
11,095 |
|
|
|
5,444 |
|
|
|
2,512 |
|
|
|
199 |
|
|
|
50 |
|
|
¥ |
39,788 |
|
Non-Performing |
|
|
256 |
|
|
|
402 |
|
|
|
296 |
|
|
|
224 |
|
|
|
4 |
|
|
|
4 |
|
|
¥ |
1,186 |
|
Corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
508,886 |
|
|
|
290,116 |
|
|
|
107,370 |
|
|
|
50,657 |
|
|
|
89,236 |
|
|
|
71,133 |
|
|
¥ |
1,117,398 |
|
Non-Performing |
|
|
1,276 |
|
|
|
3,184 |
|
|
|
9,835 |
|
|
|
7,692 |
|
|
|
13,814 |
|
|
|
26,144 |
|
|
¥ |
61,945 |
|
Non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
26,423 |
|
|
|
40,018 |
|
|
|
5,391 |
|
|
|
0 |
|
|
|
6,394 |
|
|
|
2,858 |
|
|
¥ |
81,084 |
|
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 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Real estate companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
76,450 |
|
|
|
21,982 |
|
|
|
9,284 |
|
|
|
1,896 |
|
|
|
1,639 |
|
|
|
7,457 |
|
|
¥ |
118,708 |
|
Non-Performing |
|
|
0 |
|
|
|
19 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
19 |
|
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 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| March 31, 2026 |
|
| Millions of yen |
|
| Portfolio segment |
|
Origination year (years ended March 31) |
|
|
|
|
| Class |
|
|
|
| Credit Quality |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Commercial, industrial and other companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
97,781 |
|
|
|
41,003 |
|
|
|
27,802 |
|
|
|
8,018 |
|
|
|
8,374 |
|
|
|
8,233 |
|
|
¥ |
191,211 |
|
| |
|
|
14 |
|
|
|
411 |
|
|
|
47 |
|
|
|
116 |
|
|
|
11 |
|
|
|
70 |
|
|
¥ |
669 |
|
| Commercial, industrial and other companies in overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
172,177 |
|
|
|
120,405 |
|
|
|
40,524 |
|
|
|
32,225 |
|
|
|
70,792 |
|
|
|
42,298 |
|
|
¥ |
478,421 |
|
| |
|
|
1,262 |
|
|
|
2,675 |
|
|
|
4,692 |
|
|
|
5,135 |
|
|
|
12,675 |
|
|
|
20,631 |
|
|
¥ |
47,070 |
|
| Loans to Equity method investees: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
3,032 |
|
|
|
573 |
|
|
|
585 |
|
|
|
2,005 |
|
|
|
21 |
|
|
|
15,020 |
|
|
¥ |
21,236 |
|
| |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
| Purchased loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
0 |
|
|
|
792 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
13,019 |
|
|
¥ |
13,811 |
|
| |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
228 |
|
|
¥ |
228 |
|
| Net investment in leases: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
490,025 |
|
|
|
327,849 |
|
|
|
202,407 |
|
|
|
96,189 |
|
|
|
47,874 |
|
|
|
56,070 |
|
|
¥ |
1,220,414 |
|
| |
|
|
3,616 |
|
|
|
5,892 |
|
|
|
6,810 |
|
|
|
3,699 |
|
|
|
1,456 |
|
|
|
5,604 |
|
|
¥ |
27,077 |
|
| Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
197,362 |
|
|
|
152,845 |
|
|
|
105,743 |
|
|
|
66,152 |
|
|
|
40,753 |
|
|
|
52,159 |
|
|
¥ |
615,014 |
|
| |
|
|
146 |
|
|
|
517 |
|
|
|
865 |
|
|
|
778 |
|
|
|
668 |
|
|
|
1,345 |
|
|
¥ |
4,319 |
|
| Overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
292,663 |
|
|
|
175,004 |
|
|
|
96,664 |
|
|
|
30,037 |
|
|
|
7,121 |
|
|
|
3,911 |
|
|
¥ |
605,400 |
|
| |
|
|
3,470 |
|
|
|
5,375 |
|
|
|
5,945 |
|
|
|
2,921 |
|
|
|
788 |
|
|
|
4,259 |
|
|
¥ |
22,758 |
|
| Total |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
¥ |
1,023,872 |
|
|
¥ |
631,829 |
|
|
¥ |
318,049 |
|
|
¥ |
155,169 |
|
|
¥ |
143,750 |
|
|
¥ |
166,633 |
|
|
¥ |
2,439,302 |
|
| |
|
|
5,251 |
|
|
|
12,390 |
|
|
|
18,799 |
|
|
|
16,270 |
|
|
|
16,505 |
|
|
|
32,685 |
|
|
¥ |
101,900 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Six months ended September 30, 2025 |
|
| Millions of yen |
|
| |
|
|
|
| Portfolio segment |
|
Origination year (years ended March 31) |
|
|
|
|
| Class |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Consumer borrowers: |
|
|
9 |
|
|
|
492 |
|
|
|
549 |
|
|
|
217 |
|
|
|
31 |
|
|
|
66 |
|
|
¥ |
1,364 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate loans |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
14 |
|
|
|
64 |
|
|
¥ |
78 |
|
| Other |
|
|
9 |
|
|
|
492 |
|
|
|
549 |
|
|
|
217 |
|
|
|
17 |
|
|
|
2 |
|
|
¥ |
1,286 |
|
| Corporate borrowers: |
|
|
120 |
|
|
|
1 |
|
|
|
364 |
|
|
|
30 |
|
|
|
28 |
|
|
|
1,449 |
|
|
¥ |
1,992 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other than non-recourse loans |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
| Commercial, industrial and other companies in overseas |
|
|
120 |
|
|
|
1 |
|
|
|
364 |
|
|
|
30 |
|
|
|
28 |
|
|
|
1,449 |
|
|
¥ |
1,992 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Purchased loans: |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
3,659 |
|
|
¥ |
3,659 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Net investment in leases: |
|
|
0 |
|
|
|
4 |
|
|
|
399 |
|
|
|
574 |
|
|
|
113 |
|
|
|
254 |
|
|
¥ |
1,344 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
0 |
|
|
|
2 |
|
|
|
39 |
|
|
|
117 |
|
|
|
93 |
|
|
|
238 |
|
|
¥ |
489 |
|
| Overseas |
|
|
0 |
|
|
|
2 |
|
|
|
360 |
|
|
|
457 |
|
|
|
20 |
|
|
|
16 |
|
|
¥ |
855 |
|
| Total |
|
|
129 |
|
|
|
497 |
|
|
|
1,312 |
|
|
|
821 |
|
|
|
172 |
|
|
|
5,428 |
|
|
¥ |
8,359 |
| The following table provides information about the origination years of financial assets as of September 30, 2026 and the gross write-offs, corresponding to each class of financial assets by origination year, recorded during the six months ended September 30, 2026.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| September 30, 2026 |
|
| Millions of yen |
|
| Portfolio segment |
|
Origination year (years ended March 31) |
|
|
|
|
| Class |
|
|
|
| Credit Quality |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Consumer borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
¥ |
11,137 |
|
|
¥ |
16,595 |
|
|
¥ |
8,623 |
|
|
¥ |
4,840 |
|
|
¥ |
4,738 |
|
|
¥ |
14,733 |
|
|
¥ |
60,666 |
|
| |
|
|
73 |
|
|
|
494 |
|
|
|
2,834 |
|
|
|
2,215 |
|
|
|
4,331 |
|
|
|
1,651 |
|
|
¥ |
11,598 |
|
| Gross write-offs |
|
|
2 |
|
|
|
312 |
|
|
|
321 |
|
|
|
126 |
|
|
|
103 |
|
|
|
330 |
|
|
¥ |
1,194 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
517 |
|
|
|
1,375 |
|
|
|
1,274 |
|
|
|
1,995 |
|
|
|
3,379 |
|
|
|
14,583 |
|
|
¥ |
23,123 |
|
| |
|
|
28 |
|
|
|
108 |
|
|
|
2,615 |
|
|
|
1,975 |
|
|
|
4,142 |
|
|
|
1,647 |
|
|
¥ |
10,515 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
290 |
|
|
¥ |
290 |
|
| Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
10,620 |
|
|
|
15,220 |
|
|
|
7,349 |
|
|
|
2,845 |
|
|
|
1,359 |
|
|
|
150 |
|
|
¥ |
37,543 |
|
| |
|
|
45 |
|
|
|
386 |
|
|
|
219 |
|
|
|
240 |
|
|
|
189 |
|
|
|
4 |
|
|
¥ |
1,083 |
|
| Gross write-offs |
|
|
2 |
|
|
|
312 |
|
|
|
321 |
|
|
|
126 |
|
|
|
103 |
|
|
|
40 |
|
|
¥ |
904 |
|
| Corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
282,502 |
|
|
|
369,575 |
|
|
|
214,994 |
|
|
|
73,746 |
|
|
|
57,630 |
|
|
|
110,234 |
|
|
¥ |
1,108,681 |
|
| |
|
|
151 |
|
|
|
2,691 |
|
|
|
2,034 |
|
|
|
7,982 |
|
|
|
6,984 |
|
|
|
31,165 |
|
|
¥ |
51,007 |
|
| Gross write-offs |
|
|
0 |
|
|
|
11 |
|
|
|
496 |
|
|
|
558 |
|
|
|
37 |
|
|
|
7,578 |
|
|
¥ |
8,680 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
0 |
|
|
|
21,747 |
|
|
|
23,213 |
|
|
|
1,201 |
|
|
|
0 |
|
|
|
2,766 |
|
|
¥ |
48,927 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
| Overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
3,675 |
|
|
|
34,910 |
|
|
|
49,587 |
|
|
|
15,359 |
|
|
|
14,239 |
|
|
|
5,817 |
|
|
¥ |
123,587 |
|
| |
|
|
37 |
|
|
|
0 |
|
|
|
87 |
|
|
|
4,675 |
|
|
|
1,332 |
|
|
|
4,126 |
|
|
¥ |
10,257 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| September 30, 2026 |
|
| Millions of yen |
|
| Portfolio segment |
|
Origination year (years ended March 31) |
|
|
|
|
| Class |
|
|
|
| Credit Quality |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
52,025 |
|
|
|
45,803 |
|
|
|
16,752 |
|
|
|
5,578 |
|
|
|
935 |
|
|
|
7,567 |
|
|
¥ |
128,660 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
| Real estate companies in overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
39,859 |
|
|
|
37,664 |
|
|
|
5,774 |
|
|
|
1,057 |
|
|
|
1,069 |
|
|
|
3,660 |
|
|
¥ |
89,083 |
|
| |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
782 |
|
|
|
1,298 |
|
|
¥ |
2,080 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
407 |
|
|
|
19 |
|
|
|
648 |
|
|
¥ |
1,074 |
|
| Commercial, industrial and other companies in Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
58,916 |
|
|
|
62,715 |
|
|
|
34,571 |
|
|
|
22,308 |
|
|
|
6,155 |
|
|
|
12,769 |
|
|
¥ |
197,434 |
|
| |
|
|
15 |
|
|
|
4 |
|
|
|
5 |
|
|
|
42 |
|
|
|
85 |
|
|
|
81 |
|
|
¥ |
232 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
393 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
393 |
|
| Commercial, industrial and other companies in overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
128,027 |
|
|
|
166,736 |
|
|
|
85,097 |
|
|
|
28,243 |
|
|
|
35,232 |
|
|
|
77,655 |
|
|
¥ |
520,990 |
|
| |
|
|
99 |
|
|
|
2,687 |
|
|
|
1,942 |
|
|
|
3,265 |
|
|
|
4,785 |
|
|
|
25,660 |
|
|
¥ |
38,438 |
|
| Gross write-offs |
|
|
0 |
|
|
|
11 |
|
|
|
103 |
|
|
|
151 |
|
|
|
18 |
|
|
|
6,930 |
|
|
¥ |
7,213 |
|
| Loans to Equity method investees: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
3,543 |
|
|
|
3,053 |
|
|
|
573 |
|
|
|
588 |
|
|
|
1,970 |
|
|
|
14,888 |
|
|
¥ |
24,615 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Purchased loans: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
0 |
|
|
|
0 |
|
|
|
763 |
|
|
|
0 |
|
|
|
0 |
|
|
|
12,428 |
|
|
¥ |
13,191 |
|
| |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
223 |
|
|
¥ |
223 |
|
| Gross write-offs |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
326 |
|
|
¥ |
326 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Net investment in leases: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
255,508 |
|
|
|
391,826 |
|
|
|
262,215 |
|
|
|
148,535 |
|
|
|
68,316 |
|
|
|
71,672 |
|
|
¥ |
1,198,072 |
|
| |
|
|
4,085 |
|
|
|
6,252 |
|
|
|
6,436 |
|
|
|
6,877 |
|
|
|
3,774 |
|
|
|
5,343 |
|
|
¥ |
32,767 |
|
| Gross write-offs |
|
|
0 |
|
|
|
49 |
|
|
|
580 |
|
|
|
542 |
|
|
|
360 |
|
|
|
1,011 |
|
|
¥ |
2,542 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
100,573 |
|
|
|
170,373 |
|
|
|
131,575 |
|
|
|
86,457 |
|
|
|
50,782 |
|
|
|
66,011 |
|
|
¥ |
605,771 |
|
| |
|
|
46 |
|
|
|
280 |
|
|
|
644 |
|
|
|
792 |
|
|
|
728 |
|
|
|
1,780 |
|
|
¥ |
4,270 |
|
| Gross write-offs |
|
|
0 |
|
|
|
8 |
|
|
|
36 |
|
|
|
72 |
|
|
|
92 |
|
|
|
184 |
|
|
¥ |
392 |
|
| Overseas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
|
154,935 |
|
|
|
221,453 |
|
|
|
130,640 |
|
|
|
62,078 |
|
|
|
17,534 |
|
|
|
5,661 |
|
|
¥ |
592,301 |
|
| |
|
|
4,039 |
|
|
|
5,972 |
|
|
|
5,792 |
|
|
|
6,085 |
|
|
|
3,046 |
|
|
|
3,563 |
|
|
¥ |
28,497 |
|
| Gross write-offs |
|
|
0 |
|
|
|
41 |
|
|
|
544 |
|
|
|
470 |
|
|
|
268 |
|
|
|
827 |
|
|
¥ |
2,150 |
|
| Total |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Performing |
|
¥ |
552,690 |
|
|
¥ |
781,049 |
|
|
¥ |
487,168 |
|
|
¥ |
227,709 |
|
|
¥ |
132,654 |
|
|
¥ |
223,955 |
|
|
¥ |
2,405,225 |
|
| |
|
|
4,309 |
|
|
|
9,437 |
|
|
|
11,304 |
|
|
|
17,074 |
|
|
|
15,089 |
|
|
|
38,382 |
|
|
¥ |
95,595 |
|
| Gross write-offs |
|
|
2 |
|
|
|
372 |
|
|
|
1,397 |
|
|
|
1,226 |
|
|
|
500 |
|
|
|
9,245 |
|
|
¥ |
12,742 |
| Note: Loans held for sale, policy loan receivables of an insurance entity, previously sold installment loans with a call option that allows certain subsidiaries to repurchase the loans and that are recognized as assets in accordance with ASC 860 (“Transfers and Servicing”) and financing receivables, such as accounts receivable are not included in the table above. |
| Summary of past-due financial assets |
The following table provides information about the past-due financial assets as of March 31, 2026 and September 30, 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
March 31, 2026 |
|
| |
|
|
|
Millions of yen |
|
| |
|
|
|
Past-due financial assets |
|
|
|
|
| Portfolio segment |
|
Class |
|
30-89 days
past-due |
|
|
90 days
or more
past-due |
|
|
Total
past-due |
|
|
Total
financing
receivables |
|
| Consumer borrowers |
|
|
|
¥ |
3,941 |
|
|
¥ |
9,767 |
|
|
¥ |
13,708 |
|
|
¥ |
79,093 |
|
|
|
Real estate loans |
|
|
2,252 |
|
|
|
8,894 |
|
|
|
11,146 |
|
|
|
38,119 |
|
|
|
Other |
|
|
1,689 |
|
|
|
873 |
|
|
|
2,562 |
|
|
|
40,974 |
|
| Corporate borrowers |
|
|
|
|
16,246 |
|
|
|
20,742 |
|
|
|
36,988 |
|
|
|
1,179,343 |
|
| Non-recourse loans |
|
Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
81,084 |
|
|
|
The Americas |
|
|
6,022 |
|
|
|
5,456 |
|
|
|
11,478 |
|
|
|
200,308 |
|
| Other than non-recourse loans |
|
Real estate companies in Japan |
|
|
292 |
|
|
|
0 |
|
|
|
292 |
|
|
|
118,727 |
|
|
|
Real estate companies in overseas |
|
|
363 |
|
|
|
2,181 |
|
|
|
2,544 |
|
|
|
61,853 |
|
|
|
Commercial, industrial and other companies in Japan |
|
|
2,442 |
|
|
|
541 |
|
|
|
2,983 |
|
|
|
191,880 |
|
|
|
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 |
|
|
|
¥ |
52,250 |
|
|
¥ |
56,906 |
|
|
¥ |
109,156 |
|
|
¥ |
2,527,163 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
September 30, 2026 |
|
| |
|
|
|
Millions of yen |
|
| |
|
|
|
Past-due financial assets |
|
|
|
|
| Portfolio segment |
|
Class |
|
30-89 days
past-due |
|
|
90 days
or more
past-due |
|
|
Total
past-due |
|
|
Total
financing
receivables |
|
| Consumer borrowers |
|
|
|
¥ |
2,094 |
|
|
¥ |
11,409 |
|
|
¥ |
13,503 |
|
|
¥ |
72,264 |
|
|
|
Real estate loans |
|
|
800 |
|
|
|
10,486 |
|
|
|
11,286 |
|
|
|
33,638 |
|
|
|
Other |
|
|
1,294 |
|
|
|
923 |
|
|
|
2,217 |
|
|
|
38,626 |
|
| Corporate borrowers |
|
|
|
|
10,834 |
|
|
|
17,219 |
|
|
|
28,053 |
|
|
|
1,159,688 |
|
| Non-recourse loans |
|
Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
48,927 |
|
|
|
Overseas |
|
|
0 |
|
|
|
3,941 |
|
|
|
3,941 |
|
|
|
133,844 |
|
| Other than non-recourse loans |
|
Real estate companies in Japan |
|
|
309 |
|
|
|
0 |
|
|
|
309 |
|
|
|
128,660 |
|
|
|
Real estate companies in overseas |
|
|
677 |
|
|
|
1,778 |
|
|
|
2,455 |
|
|
|
91,163 |
|
|
|
Commercial, industrial and other companies in Japan |
|
|
2,774 |
|
|
|
156 |
|
|
|
2,930 |
|
|
|
197,666 |
|
|
|
Commercial, industrial and other companies in overseas |
|
|
7,074 |
|
|
|
11,344 |
|
|
|
18,418 |
|
|
|
559,428 |
|
| Loans to Equity method investees |
|
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
24,615 |
|
| Net investment in leases |
|
|
|
|
24,588 |
|
|
|
31,953 |
|
|
|
56,541 |
|
|
|
1,230,839 |
|
|
|
Japan |
|
|
2,274 |
|
|
|
3,885 |
|
|
|
6,159 |
|
|
|
610,041 |
|
|
|
Overseas |
|
|
22,314 |
|
|
|
28,068 |
|
|
|
50,382 |
|
|
|
620,798 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
|
|
¥ |
37,516 |
|
|
¥ |
60,581 |
|
|
¥ |
98,097 |
|
|
¥ |
2,487,406 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Note: Loans held for sale, policy loan receivables of an insurance entity, purchased loans, and previously sold installment loans with a call option that allows certain subsidiaries to repurchase the loans and that are recognized as assets in accordance with ASC 860 (“Transfers and Servicing”) are not included in the table above.
|
| Summary of non-accrual of financial assets |
The following table provides information about non-accrual of financial assets as of March 31, 2026 and September 30, 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
March 31, 2026 |
|
| |
|
|
|
|
Millions of yen |
|
| |
|
|
|
|
Beginning balance |
|
|
Ending balance |
|
|
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 |
|
|
¥ |
249 |
|
|
¥ |
0 |
|
|
¥ |
4 |
|
|
¥ |
0 |
|
|
|
|
Overseas |
|
|
|
4,976 |
|
|
|
8,895 |
|
|
|
0 |
|
|
|
137 |
|
| Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
|
86 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
Overseas |
|
|
|
2,373 |
|
|
|
982 |
|
|
|
0 |
|
|
|
3 |
|
| Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Non-recourse loans |
|
|
Overseas |
|
|
|
3,831 |
|
|
|
11,477 |
|
|
|
0 |
|
|
|
0 |
|
| Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
|
29 |
|
|
|
0 |
|
|
|
9 |
|
|
|
0 |
|
|
|
|
Overseas |
|
|
|
3,417 |
|
|
|
2,181 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and
other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Japan |
|
|
|
520 |
|
|
|
541 |
|
|
|
0 |
|
|
|
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 |
|
|
|
|
|
¥ |
98,052 |
|
|
¥ |
97,138 |
|
|
¥ |
13 |
|
|
¥ |
2,539 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
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 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
¥ |
8,895 |
|
|
¥ |
10,486 |
|
|
¥ |
0 |
|
|
¥ |
132 |
|
| Other |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
982 |
|
|
|
1,048 |
|
|
|
0 |
|
|
|
7 |
|
| Installment loans to corporate borrowers: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
11,477 |
|
|
|
9,637 |
|
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Real estate companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
0 |
|
|
|
0 |
|
|
|
4 |
|
|
|
0 |
|
|
|
|
|
|
|
|
2,181 |
|
|
|
2,080 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
541 |
|
|
|
156 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
46,642 |
|
|
|
38,086 |
|
|
|
0 |
|
|
|
2,369 |
|
| Net investment in leases |
|
|
|
|
|
|
26,420 |
|
|
|
31,961 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
|
|
|
|
¥ |
97,138 |
|
|
¥ |
93,454 |
|
|
¥ |
4 |
|
|
¥ |
2,508 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Note: |
Loans held for sale, policy loan receivables of an insurance entity, purchased loans, and previously sold i nstallment l oans with a call option that allows certain subsidiaries to repurchase the loans and that are recognized as assets in accordance with ASC 860 (“Transfers and Servicing”) are not included in the table above. |
|
| 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 the six months ended September 30, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Six months ended September 30, 2025 |
|
| |
|
| Millions of yen |
|
| |
|
| Portfolio segment |
|
Interest rate reduction |
|
|
Term extension |
|
|
Principal forgiveness |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
| Class |
|
Amortized
cost basis |
|
|
% of total
class of
financing
receivable |
|
|
Amortized
cost basis |
|
|
% of total
class of
financing
receivable |
|
|
Amortized
cost basis |
|
|
% of total
class of
financing
receivable |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Consumer borrowers |
|
¥ |
0 |
|
|
|
0 |
|
|
¥ |
10 |
|
|
|
0.0 |
|
|
¥ |
6 |
|
|
|
0.0 |
|
| Real estate loans |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
6 |
|
|
|
0.0 |
|
| Other |
|
|
0 |
|
|
|
0 |
|
|
|
10 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
| Corporate borrowers |
|
|
2,414 |
|
|
|
0.1 |
|
|
|
8,305 |
|
|
|
0.4 |
|
|
|
6 |
|
|
|
0.0 |
|
| Other than non-recourse loans |
|
|
2,414 |
|
|
|
0.2 |
|
|
|
8,305 |
|
|
|
0.6 |
|
|
|
6 |
|
|
|
0.0 |
|
| Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
289 |
|
|
|
0.1 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
433 |
|
|
|
0.2 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in overseas |
|
|
2,414 |
|
|
|
0.4 |
|
|
|
7,583 |
|
|
|
1.4 |
|
|
|
6 |
|
|
|
0.0 |
|
| Net investment in leases |
|
|
0 |
|
|
|
0 |
|
|
|
102 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
| Japan |
|
|
0 |
|
|
|
0 |
|
|
|
102 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
¥ |
2,414 |
|
|
|
0.0 |
|
|
¥ |
8,417 |
|
|
|
0.2 |
|
|
¥ |
12 |
|
|
|
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 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Consumer borrowers |
|
¥ |
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
|
|
0 |
|
| Real estate loans |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| Other |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| Corporate borrowers |
|
|
49 |
|
|
|
0.0 |
|
|
|
1,201 |
|
|
|
0.1 |
|
Other than non-recourse loans |
|
|
49 |
|
|
|
0.0 |
|
|
|
1,201 |
|
|
|
0.1 |
|
| Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in overseas |
|
|
49 |
|
|
|
0.0 |
|
|
|
1,201 |
|
|
|
0.2 |
|
| Net investment in leases |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| Japan |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
¥ |
49 |
|
|
|
0.0 |
|
|
¥ |
1,201 |
|
|
|
0.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Six months ended September 30, 2026 |
|
| |
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
|
|
|
|
% of total
class of
financing
receivable |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Consumer borrowers |
|
¥ |
4 |
|
|
|
0.0 |
|
|
¥ |
0 |
|
|
|
0 |
|
|
¥ |
0 |
|
|
|
0 |
|
| Other |
|
|
4 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
| Corporate borrowers |
|
|
0 |
|
|
|
0 |
|
|
|
2,210 |
|
|
|
0.2 |
|
|
|
13 |
|
|
|
0.0 |
|
| Non-recourse loans |
|
|
0 |
|
|
|
0 |
|
|
|
1,848 |
|
|
|
1.0 |
|
|
|
0 |
|
|
|
0 |
|
| Overseas |
|
|
0 |
|
|
|
0 |
|
|
|
1,848 |
|
|
|
1.4 |
|
|
|
0 |
|
|
|
0 |
|
| Other than non-recourse loans |
|
|
0 |
|
|
|
0 |
|
|
|
362 |
|
|
|
0.0 |
|
|
|
13 |
|
|
|
0.0 |
|
| Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
|
|
362 |
|
|
|
0.3 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in overseas |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
13 |
|
|
|
0.0 |
|
| Net investment in leases |
|
|
0 |
|
|
|
0 |
|
|
|
81 |
|
|
|
0.0 |
|
|
|
27 |
|
|
|
0.0 |
|
| Japan |
|
|
0 |
|
|
|
0 |
|
|
|
81 |
|
|
|
0.0 |
|
|
|
0 |
|
|
|
0 |
|
| Overseas |
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
0 |
|
|
|
27 |
|
|
|
0.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
¥ |
4 |
|
|
|
0.0 |
|
|
¥ |
2,291 |
|
|
|
0.1 |
|
|
¥ |
40 |
|
|
|
0.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
Combination - interest rate
reduction and term extension |
|
| |
|
|
|
|
|
|
|
|
|
% of total
class of
financing
receivable |
|
| |
|
|
|
|
|
|
|
|
| |
|
¥ |
18 |
|
|
|
0.0 |
|
| |
|
|
18 |
|
|
|
0.0 |
|
| |
|
|
2,643 |
|
|
|
0.2 |
|
| |
|
|
0 |
|
|
|
0 |
|
| |
|
|
0 |
|
|
|
0 |
|
Other than non-recourse loans |
|
|
2,643 |
|
|
|
0.3 |
|
Real estate companies in Japan |
|
|
0 |
|
|
|
0 |
|
Commercial, industrial and other companies in overseas |
|
|
2,643 |
|
|
|
0.5 |
|
| |
|
|
0 |
|
|
|
0 |
|
| |
|
|
0 |
|
|
|
0 |
|
| |
|
|
0 |
|
|
|
0 |
|
| |
|
|
|
|
|
|
|
|
| |
|
¥ |
2,661 |
|
|
|
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 the six months ended September 30, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
| Six months ended September 30, 2025 |
| |
| Millions of yen |
| |
| Portfolio segment |
|
Financial effect |
| |
|
|
|
| Class |
|
Interest rate reduction |
|
|
Term extension |
|
|
Principal forgiveness |
| |
|
|
|
| Consumer borrowers |
|
|
|
|
|
|
|
|
|
|
| Real estate loans |
|
|
— |
|
|
|
— |
|
|
Reduced the amortized cost basis of the loans by ¥54 million. |
| Other |
|
|
— |
|
|
|
Added a weighted-average
1.0 years to the life of loans. |
|
|
— |
| Corporate borrowers |
|
|
|
|
|
|
|
|
|
|
| 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
0.9 years to the life of loans. |
|
|
— |
| Commercial, industrial and other companies in overseas |
|
|
Reduced weighted-average
contractual interest rate from
13.1% to 3.3%. |
|
|
|
Added a weighted-average
0.5 years to the life of loans. |
|
|
Reduced the amortized cost basis of the loans by ¥1,099 million. |
| Net investment in leases |
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
— |
|
|
|
Added a weighted-average
0.2 years to the life of loans. |
|
|
— |
|
| Six months ended September 30, 2026 |
| |
| Millions of yen |
| |
| Portfolio segment |
|
Financial effect |
| |
|
|
|
| Class |
|
Interest rate reduction |
|
|
Term extension |
|
|
Principal forgiveness |
| |
|
|
|
| Consumer borrowers |
|
|
|
|
|
|
|
|
|
|
| Real estate loans |
|
|
— |
|
|
|
— |
|
|
Reduced the amortized cost basis of the loans by ¥36 million. |
| Other |
|
|
Reduced weighted-average
contractual interest rate from
16.4% to 11.7%. |
|
|
|
Added a weighted-average
0.9 years to the life of loans. |
|
|
— |
| Corporate borrowers |
|
|
|
|
|
|
|
|
|
|
| Non-recourse loans |
|
|
|
|
|
|
|
|
|
|
| Overseas |
|
|
— |
|
|
|
Added a weighted-average
0.5 years to the life of loans. |
|
|
— |
| Other than non-recourse loans |
|
|
|
|
|
|
|
|
|
|
| Real estate companies in Japan |
|
|
— |
|
|
|
Added a weighted-average
0.3 years to the life of loans. |
|
|
— |
| Commercial, industrial and other companies in overseas |
|
|
Reduced weighted-average
contractual interest rate from
9.7% to 9.5%. |
|
|
|
Added a weighted-average
2.0 years to the life of loans. |
|
|
Reduced the amortized cost basis of the loans by ¥14 million. |
| Net investment in leases |
|
|
|
|
|
|
|
|
|
|
| Japan |
|
|
— |
|
|
|
Added a weighted-average
0.5 years to the life of loans. |
|
|
— |
| Overseas |
|
|
— |
|
|
|
— |
|
|
Reduced the amortized cost basis of the loans by ¥33 million. |
|
| Summary of past due financial assets modified to debtors |
The following table provides information about the past-due financial assets modified to debtors experiencing financial difficulty within the previous 12 months as of September 30, 2025 and 2026:
|
|
|
|
|
|
|
|
|
|
|
|
|
| Six months ended September 30, 2025 |
|
| |
|
Millions of yen |
|
| Portfolio segment |
|
Current |
|
|
30-89 days
past-due |
|
|
90 days
or more
past-due |
|
| Class |
| Consumer borrowers |
|
¥ |
45 |
|
|
¥ |
0 |
|
|
¥ |
6 |
|
| Real estate loans |
|
|
0 |
|
|
|
0 |
|
|
|
6 |
|
| Other |
|
|
45 |
|
|
|
0 |
|
|
|
0 |
|
| Corporate borrowers |
|
|
16,348 |
|
|
|
0 |
|
|
|
40 |
|
| Other than non-recourse loans |
|
|
16,348 |
|
|
|
0 |
|
|
|
40 |
|
| Real estate companies in Japan |
|
|
262 |
|
|
|
0 |
|
|
|
27 |
|
| Commercial, industrial and other companies in Japan |
|
|
540 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in overseas |
|
|
15,546 |
|
|
|
0 |
|
|
|
13 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Net investment in leases |
|
|
102 |
|
|
|
0 |
|
|
|
0 |
|
| Japan |
|
|
102 |
|
|
|
0 |
|
|
|
0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
¥ |
16,495 |
|
|
¥ |
0 |
|
|
¥ |
46 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| September 30, 2026 |
|
| |
|
Millions of yen |
|
| Portfolio segment |
|
Current |
|
|
30-89 days
past-due |
|
|
90 days
or more
past-due |
|
| Class |
| Consumer borrowers |
|
¥ |
57 |
|
|
¥ |
5 |
|
|
¥ |
0 |
|
| Other |
|
|
57 |
|
|
|
5 |
|
|
|
0 |
|
| Corporate borrowers |
|
|
6,188 |
|
|
|
0 |
|
|
|
20 |
|
| Non-recourse loans |
|
|
1,848 |
|
|
|
0 |
|
|
|
0 |
|
| Overseas |
|
|
1,848 |
|
|
|
0 |
|
|
|
0 |
|
| Other than non-recourse loans |
|
|
4,340 |
|
|
|
0 |
|
|
|
20 |
|
| Real estate companies in Japan |
|
|
362 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in Japan |
|
|
68 |
|
|
|
0 |
|
|
|
0 |
|
| Commercial, industrial and other companies in overseas |
|
|
3,910 |
|
|
|
0 |
|
|
|
20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Net investment in leases |
|
|
81 |
|
|
|
0 |
|
|
|
39 |
|
| Japan |
|
|
81 |
|
|
|
0 |
|
|
|
0 |
|
| Overseas |
|
|
0 |
|
|
|
0 |
|
|
|
39 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
¥ |
6,326 |
|
|
¥ |
5 |
|
|
¥ |
59 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|