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Installment Loans (Tables) | 12 Months Ended
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Mar. 31, 2011
Schedule of Accounts, Notes, Loans and Financing Receivable | The composition of installment loans by domicile and type of borrower at March 31, 2010 and 2011 is as follows:
|  | Millions of yen |  |  | Millions of U.S. dollars |
|  | 2010 |  |  | 2011 |  |  | 2011 |
Borrowers in Japan: |  |  |  |  |  |  |  |  |  |  |  |
Consumer— |  |  |  |  |  |  |  |  |  |  |  |
Housing loans |  | ¥ | 731,184 |  |  | ¥ | 823,974 |  |  | $ | 9,909 |
Other |  |  | 13,663 |  |  |  | 14,317 |  |  |  | 172 |
|  |  | 744,847 |  |  |  | 838,291 |  |  |  | 10,081 |
Corporate— |  |  |  |  |  |  |  |  |  |  |  |
Real estate companies |  |  | 447,181 |  |  |  | 345,078 |  |  |  | 4,150 |
Commercial, industrial and other companies |  |  | 904,729 |  |  |  | 817,493 |  |  |  | 9,832 |
|  |  | 1,351,910 |  |  |  | 1,162,571 |  |  |  | 13,982 |
Overseas corporate, industrial and other borrowers |  |  | 244,521 |  |  |  | 870,967 |  |  |  | 10,475 |
Purchased loans* |  |  | 122,973 |  |  |  | 111,335 |  |  |  | 1,339 |
|  | ¥ | 2,464,251 |  |  | ¥ | 2,983,164 |  |  | $ | 35,877 |
* | 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 debtor is unlikely and consist mainly of housing loans, loans to real estate companies and commercial, industrial and other companies in Japan.
Financing Receivable, by Contractual Maturity | At March 31, 2011, the contractual maturities of installment loans except purchased loans for each of the next five years and thereafter are as follows:
Years ending March 31, |  | Millions of yen |  |  | Millions of U.S. dollars |
2012 |  | ¥ | 803,554 |  |  | $ | 9,664 |
2013 |  |  | 522,216 |  |  |  | 6,280 |
2014 |  |  | 425,198 |  |  |  | 5,114 |
2015 |  |  | 230,286 |  |  |  | 2,770 |
2016 |  |  | 178,146 |  |  |  | 2,142 |
Thereafter |  |  | 712,429 |  |  |  | 8,568 |
Total |  | ¥ | 2,871,829 |  |  | $ | 34,538 |
Purchased loans |
Allowance for Credit Losses on Financing Receivables | Changes in the allowance for uncollectible accounts relating to the purchased loans for fiscal 2009, 2010 and 2011 are as follows:
|  | Millions of yen |  |  | Millions of U.S. dollars |
|  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2011 |
Beginning balance |  | ¥ | 8,579 |  |  | ¥ | 9,520 |  |  | ¥ | 12,421 |  |  | $ | 149 |
Provision charged to income |  |  | 1,615 |  |  |  | 3,481 |  |  |  | 5,261 |  |  |  | 63 |
Charge-offs |  |  | (462 | ) |  |  | (609 | ) |  |  | (230 | ) |  |  | (2 | )
Other* |  |  | (212 | ) |  |  | 29 |  |  |  | 3 |  |  |  | 0 |
Ending balance |  | ¥ | 9,520 |  |  | ¥ | 12,421 |  |  | ¥ | 17,455 |  |  | $ | 210 |
* | Other includes foreign currency translation adjustments.
Direct Financing Leases and Probable Loan Losses |
Allowance for Credit Losses on Financing Receivables | Changes in the allowance for doubtful receivables on direct financing leases and probable loan losses for fiscal 2009, 2010 and 2011 are as follows:
|  | Millions of yen |  |  | Millions of U.S. dollars |
|  | 2009 |  |  | 2010 |  |  | 2011 |  |  | 2011 |
Beginning balance |  | ¥ | 102,007 |  |  | ¥ | 158,544 |  |  | ¥ | 157,523 |  |  | $ | 1,894 |
Effect of the application of the new accounting standards*1 |  |  | 0 |  |  |  | 0 |  |  |  | 32,181 |  |  |  | 387 |
Beginning balance after the application of the new accounting standards |  | ¥ | 102,007 |  |  | ¥ | 158,544 |  |  | ¥ | 189,704 |  |  | $ | 2,281 |
Provision charged to income |  |  | 76,985 |  |  |  | 71,529 |  |  |  | 31,122 |  |  |  | 374 |
Charge-offs |  |  | (21,027 | ) |  |  | (60,412 | ) |  |  | (61,829 | ) |  |  | (743 | )
Recoveries |  |  | 1,296 |  |  |  | 2,615 |  |  |  | 175 |  |  |  | 2 |
Other*2 |  |  | (717 | ) |  |  | (14,753 | ) |  |  | (5,022 | ) |  |  | (60 | )
Ending balance |  | ¥ | 158,544 |  |  | ¥ | 157,523 |  |  | ¥ | 154,150 |  |  | $ | 1,854 |
*1 | This effect results from our application of the new accounting standards for consolidation of VIEs under ASU 2009-16 and ASU 2009-17, effective April 1, 2010.
*2 | Other includes foreign currency translation adjustments, amounts reclassified to discontinued operations and decrease in allowance related to sales of subsidiaries.
Direct Financing Leases And Installment Loans |
Allowance for Credit Losses on Financing Receivables | The balance of the allowance broken down into investment in direct financing leases and installment loans at March 31, 2010 and 2011 is as follows:
|  | Millions of yen |  |  | Millions of U.S. dollars |
|  | 2010 |  |  | 2011 |  |  | 2011 |
Balance of allowance related to: |  |  |  |  |  |  |  |  |  |  |  |
Investment in direct financing leases |  | ¥ | 23,969 |  |  | ¥ | 21,201 |  |  | $ | 255 |
Installment loans |  |  | 133,554 |  |  |  | 132,949 |  |  |  | 1,599 |
Total |  | ¥ | 157,523 |  |  | ¥ | 154,150 |  |  | $ | 1,854 |

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- Definition Disclosure itemizing the various types of trade accounts and notes receivable, and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the valuation allowance for receivables is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions (8) the nature and amount of any guarantees to repurchase receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 + Details
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