株式会社アプラスフィナンシャル(東証: 8589) APLUS ＦＩＮＡＮＣＩＡＬ(TSE: 8589) 四半期データブック 2015年12月末 (2016年1月29日) Quarterly Data Book for the Third Quarter Ended December 31, 2015 (January 29, 2016) 目次 頁 Contents Page 株式会社アプラスフィナンシャル 連結財務関連データ 1 APLUS FINANCIAL Consolidated P/L and B/S Data 1 要約損益計算書 1 Summary of Income Statements 1 営業債権残高 1 Account Receivables 1 連結貸借対照表（１） 2 Consolidated Balance Sheets (1) 2 連結貸借対照表（２） 3 Consolidated Balance Sheets (2) 3 取扱高 4 Trading Volume 4 顧客数 4 Number of Customers 4 店舗・チャネル 4 Number of Branches and Channels 4 平均貸出金利 5 Average Lending Rates 5 融資残高内訳 5 Breakdown of Loan Receivables 5 １口座あたり残高 5 Credit Outstanding Per Account 5 延滞残高比率 5 Ratio of Delinquent Unsecured Personal Loans 5 年齢別残高構成比 5 Balance by Age 5 性別残高構成比 5 Balance by Gender 5 実行残高別残高構成比 5 Balance by Amount of Origination 5 貸倒関連情報 6 Credit Costs and Allowance for Bad Debts 6 利息返還関連情報 6 Grey Zone Related Information 6 調達状況（１） 6 Balance and Ratio of Total Funding (1) 6 調達状況（２） 6 Balance and Ratio of Total Funding (2) 6 調達状況（３） 6 Balance and Ratio of Total Funding (3) 6 免責条項 Disclaimer ・ 本資料には、当社および当社子会社に関連する見通し、将来に関する計画、経営目標などが記載されています。これらの将来の見通しに関する記述 は、将来の事象や動向に関する現時点での仮定に基づくものであり、当該仮定は不正確であることがあり得ます。様々な要因により、実際の業績が本 書の記載と著しく異なる可能性があります。 ・ 別段の記載がない限り、本資料に記載されている財務データは日本において一般に認められている会計原則に従って表示されています。当社は、将 来の事象などの発生にかかわらず、必ずしも今後の見通しに関する発表を修正するとは限りません。 ・ 本資料はいかなる有価証券の申込みもしくは購入の案内、あるいは勧誘を含むものではなく、本資料および本資料に含まれる内容のいずれも、いかな る契約、義務の根拠となりえるものではありません。 ・ These slides contain statements that constitute forward-looking statements, plans for the future, management targets, etc. relating to the Company and its subsidiaries. These forward-looking statements are based on current assumptions of future events and trends, which may be incorrect and are subject to risks and uncertainties. Actual results may differ materially from those in such forward-looking statements as a result of various factors. ・ Unless otherwise noted, the financial data contained in these materials are presented under Japanese GAAP. The Company disclaims any obligation to update or to announce any revision to forward-looking statements to reflect future events or developments. ・ These materials do not constitute an invitation or solicitation of an offer to subscribe for or purchase any securities and neither this document nor anything contained herein shall form the basis for any contract or commitment whatsoever. 株式会社ア プ ラ スフ ィナンシ ャ ル 連結財務関連デ ー タ APLUS FINANCIAL Consolidated P/L and B/S Data Sum m ary of Incom e Statem ents 要約損益計算書 Credit Card Shopping (Hokatsu) 包括信用購入あっせん収益 Installment Shopping Credit (Kobetsu) 個別信用購入あっせん収益 Auto Credit オートクレジット Other Shopping Credit その他ショッピングクレジット Credit Guarantee 信用保証 Auto Credit オートクレジット Other Shopping Credit その他ショッピングクレジット Others その他信用保証 Total Loans 融資 Consumer Loans 消費者金融 Cashing by Credit Card カードキャッシング Loan Card ローンカード Other Consumer Loans その他消費者金融 Other Loans その他融資 Financial Income 金融収益 Others その他 Operating Revenue 営業収益 Total SG&A 販売費及び一般管理費 Net Provision of Allow ance for Bad Debts 貸倒引当金繰入額 Provision of Reserve for Losses on Interest Repayment 利息返還損失引当金繰入額 Personnel Expenses 従業員給料・賞与 Handling Charges 支払手数料 Sales Promotion Costs 販売促進費 Rent 賃借料 Depreciation and Amortization 減価償却費 Communication Costs 通信費 Others その他 Financial Expenses 金融費用 Interest Expenses 支払利息 Others その他 Operating Expenses 営業費用 Operating Incom e (Loss) 営業利益（損失） Ordinary Incom e (Loss) 経常利益（損失） Profit (Losses) Attributable to Ow ners of Parent 親会社株主に帰属す る四半期純利益（損失） 2014.1-3 4,017 2,661 1,134 1,526 3,871 2,179 1,426 265 2,554 2,372 1,162 761 448 181 347 2,589 16,041 15,641 2,136 2,001 2,440 3,891 1,364 491 1,034 542 1,738 506 366 140 16,148 (106) (177) 523 2014.4-6 4,008 2,772 1,149 1,622 3,910 2,193 1,463 254 2,521 2,342 1,162 734 444 178 385 2,550 16,148 14,250 2,040 2,463 4,205 1,265 494 999 568 2,213 553 398 154 14,803 1,345 1,356 1,154 2014.7-9 2014.10-12 4,099 4,295 2,833 2,866 1,154 1,155 1,678 1,711 3,956 3,986 2,175 2,146 1,534 1,596 247 243 2,487 2,455 2,314 2,341 1,148 1,150 708 696 458 494 172 114 507 519 2,477 2,498 16,362 16,621 13,445 14,074 1,526 1,703 850 2,445 2,333 4,048 3,863 1,265 1,323 474 490 1,019 1,048 582 486 2,084 1,974 501 649 405 414 96 235 13,947 14,724 2,414 1,897 2,412 1,912 2,141 1,668 営業債権残高 割賦売掛金 包括信用購入あっせん 個別信用購入あっせん オートクレジット その他ショッピングクレジット 融資 消費者金融 カードキャッシング ローンカード その他消費者金融 その他融資 その他 信用保証割賦売掛金 オートクレジット （信用保証業務によるオフバランス残高） その他ショッピングクレジット （信用保証業務によるオフバランス残高） その他信用保証 リース投資資産 営業債権残高合計 2014.3 377,535 81,173 182,673 88,173 94,499 113,688 91,438 27,109 21,883 42,445 22,249 328,594 250,529 86,173 36,350 165,297 41,715 5 706,135 2014.6 383,815 77,698 193,280 90,960 102,319 112,837 90,397 26,763 20,607 43,026 22,440 308,755 231,676 87,874 36,741 176,315 40,337 1 692,572 2014.9 393,863 80,228 200,258 92,337 107,921 113,375 90,523 26,347 20,553 43,622 22,851 289,154 211,445 89,873 38,644 184,754 39,064 0 683,018 Account Receivables Total Installment Receivables Credit Card Shopping (Hokatsu) Installment Shopping Credit (Kobetsu) Auto Credit Other Shopping Credit Total Loans Consumer Loans Cashing by Credit Card Loan Card Other Consumer Loans Other Loans Others Customers' Liabilities for Acceptances and Guarantees Auto Credit (Off-Balance Receivables in Credit Guarantee Business) Other Shopping Credit (Off-Balance Receivables in Credit Guarantee Business) Others Leased Investment Assets Total Account Receivables 2014.12 409,343 88,192 208,332 93,663 114,668 112,817 90,260 25,451 19,926 44,882 22,557 271,285 193,832 90,022 39,644 191,501 37,808 0 680,628 未監査（単位：百万円） Unaudited (Millions of Yen) 2015.1-3 2015.4-6 2015.7-9 2015.10-12 4,161 4,202 4,352 4,518 2,886 2,885 2,940 2,965 1,192 1,197 1,198 1,196 1,693 1,687 1,742 1,769 3,952 3,971 4,018 4,043 2,093 2,075 2,058 2,044 1,628 1,672 1,741 1,784 230 222 218 214 2,479 2,508 2,563 2,707 2,271 2,359 2,412 2,555 1,078 1,095 1,074 1,075 679 709 696 674 513 553 641 805 208 148 151 151 413 431 435 434 2,604 2,622 2,571 2,691 16,498 16,620 16,882 17,360 16,304 14,033 14,460 13,868 1,528 1,987 2,415 1,993 3,203 2,439 2,570 2,521 2,388 3,760 3,945 4,140 4,168 1,378 1,324 1,319 1,354 665 593 507 496 1,066 1,053 1,082 972 466 480 474 512 1,795 2,078 2,000 1,981 605 553 621 647 409 435 451 487 196 118 170 159 16,909 14,587 15,082 14,515 (411) 2,033 1,800 2,844 (585) 2,040 1,805 3,243 (880) 1,734 1,469 2,775 2015.3 418,558 85,837 217,068 97,175 119,893 115,651 92,918 27,019 19,458 46,441 22,732 255,805 179,235 90,969 40,200 196,545 36,369 0 674,363 2015.6 430,085 86,650 225,677 99,022 126,655 117,757 94,971 26,661 19,108 49,201 22,786 243,878 167,120 91,765 41,305 200,360 35,452 673,963 2015.9 443,133 89,237 230,682 99,302 131,380 123,213 98,852 25,991 18,858 54,002 24,360 235,109 162,848 85,279 37,702 210,223 34,558 678,242 2015.12 464,900 96,533 238,096 100,087 138,009 130,270 106,147 25,006 18,450 62,690 24,123 228,879 153,760 84,947 41,325 212,731 33,792 693,779 1 連結貸借対照表（１） 資産の部： 流動資産 現金及び預金 割賦売掛金 信用保証割賦売掛金 リース投資資産 繰延税金資産 金銭の信託 その他 貸倒引当金 固定資産 有形固定資産 建物及び構築物(純額) 土地 リース資産(純額) その他(純額) 無形固定資産 のれん リース資産 ソフトウェア その他 投資その他の資産 投資有価証券 退職給付に係る資産 その他 繰延資産 社債発行費 資産の部合計 Consolidated Balance Sheets (1) Assets: Current Assets Cash and Deposits Installment Receivables Credit Guarantee Receivables Lease Investment Assets Deferred Tax Assets Monetary Assets Held in Trust Others Reserve for Credit Losses Fixed Assets Tangible Fixed Assets Buildings and Structures, Net Land Lease Assets, Net Others, Net Intangible Fixed Assets Goodw ill Lease Assets Softw are Others Investments and Other Assets Investment Securities Net Defined Benefit Asset Others Deferred Assets Bond Issue Expenses Total Assets 2014.3 2014.6 2014.9 2014.12 895,463 74,833 377,535 328,594 5 5,550 101,664 36,996 (29,716) 23,956 6,612 1,609 3,571 0 1,431 11,732 1,717 2 10,011 0 5,611 440 1,567 3,602 919,420 891,297 30,818 383,815 308,755 1 5,550 106,521 85,425 (29,590) 24,245 6,280 1,638 3,191 0 1,449 11,084 1,503 2 9,579 0 6,880 427 2,838 3,614 915,543 906,619 54,560 393,863 289,154 0 5,550 110,458 83,515 (30,483) 24,068 6,137 1,610 3,191 0 1,334 10,602 1,288 1 9,312 0 7,328 467 2,883 3,977 38 38 930,726 905,662 46,336 409,343 271,285 0 5,550 114,102 89,899 (30,854) 23,588 6,021 1,586 3,191 0 1,242 10,077 1,073 0 9,003 0 7,488 479 2,933 4,075 35 35 929,286 未監査（単位：百万円） Unaudited (Millions of Yen) 2015.3 2015.6 2015.9 2015.12 872,531 71,912 418,558 255,805 0 5,190 117,555 34,062 (30,553) 24,298 5,945 1,564 3,191 1,189 10,435 858 9,576 0 7,918 530 3,625 3,761 32 32 896,862 920,500 68,798 430,085 243,878 903,203 95,795 443,133 235,109 933,562 104,106 464,900 228,879 5,190 121,408 81,998 (30,857) 23,269 5,805 1,542 3,191 1,070 9,430 644 8,786 0 8,033 573 3,659 3,800 71 71 943,842 5,190 123,257 32,341 (31,623) 22,963 6,076 1,787 3,191 1,097 9,243 429 8,813 0 7,643 528 3,692 3,422 66 66 926,233 5,190 124,622 37,938 (32,074) 21,999 5,925 1,752 3,191 981 8,737 214 8,522 0 7,336 196 3,728 3,412 60 60 955,623 2 連結貸借対照表（２） 負債及び 純資産の部 負債の部： 流動負債 支払手形及び買掛金 信用保証買掛金 短期社債 短期借入金 1年内返済予定の長期借入金 リース債務 未払法人税等 預り金 債権流動化預り金 賞与引当金 ポイント引当金 割賦利益繰延 その他 固定負債 社債 長期借入金 リース債務 繰延税金負債 退職給付引当金 退職給付に係る負債 役員退職慰労引当金 利息返還損失引当金 その他 負債の部合計 純資産の部： 株主資本 資本金 資本剰余金 利益剰余金 自己株式 その他の包括利益累計額 その他有価証券評価差額金 退職給付に係る調整累計額 純資産の部合計 負債及び 純資産の部合計 Consolidated Balance Sheets (2) Liabilities and Equity Liabilities: Current Liabilities Trade Notes and Accounts Payables Credit Guarantee Payables Short-Term Corporate Bonds Short-Term Borrow ings Long-Term Debts to Be Paid w ithin a Year Lease Obligations Accrued Income Taxes Deposits Received Deposits Received for Securitization Accrued Employees' Bonuses Reserve for Point Card Certificates Deferred Installment Income Others Long-Term Liabilities Corporate Bonds Long-Term Debt Lease Obligations Deferred Tax Liability Reserve for Employees' Retirement Benefits Net Defined Benefit Liability Reserve for Directors' Retirement Benefits Reserve for Losses on Interest Repayments Others Total Liabilities Equity: Total Shareholders' Equity Capital Stock Capital Surplus Retained Earnings Treasury Stock, at Cost Total Net Unrealized Gain (Loss) and Translation Adjustments Unrealized Gain (Loss) on Available-for-Sale Securities Remeasurements of Defined Benefit Plans Total Equity Total Liabilities and Equity 2014.3 805,906 24,395 328,594 60,500 119,400 26,108 9 392 78,561 130,682 1,209 518 32,152 3,382 17,202 2014.6 799,017 14,961 308,755 74,500 124,800 26,611 4 308 81,439 130,625 513 492 32,390 3,615 17,747 - 10,868 0 76 12,154 2014.9 791,300 14,906 289,154 72,300 150,800 11,425 2 696 83,912 130,541 1,028 528 32,487 3,518 38,427 10,000 13,974 78 - 783,991 17,652 271,285 70,500 155,200 13,195 0 972 87,695 130,522 711 545 32,403 3,308 42,566 10,000 18,004 - 91 - 1,168 2014.12 733,276 16,708 255,805 77,000 116,300 18,846 0 496 78,693 130,439 1,241 419 32,557 4,769 60,882 10,000 28,754 - 95 - 1,195 未監査（単位：百万円） Unaudited (Millions of Yen) 2015.3 2015.6 2015.9 2015.12 769,331 15,321 243,878 89,200 151,200 18,826 461 82,866 130,228 539 380 32,546 3,883 70,025 20,000 29,128 - 100 - 938 86,058 130,205 1,086 355 32,605 3,833 79,809 20,000 39,891 114 - 142 - 102 - 3,169 10,079 826,557 10,848 10,063 794,159 9,586 10,047 839,357 8,450 10,169 820,289 7,365 10,210 857,085 98,040 15,000 54,916 28,124 (0) (1,729) 17 (1,747) 96,310 919,420 100,460 15,000 54,916 30,544 (0) (1,683) 10 (1,693) 98,777 915,543 102,602 15,000 54,916 32,686 (0) (1,603) 35 (1,639) 100,998 930,726 104,271 15,000 54,916 34,355 (0) (1,541) 43 (1,585) 102,729 929,286 103,390 15,000 54,916 33,474 (0) (688) 81 (770) 102,702 896,862 105,125 15,000 54,916 35,209 (0) (640) 109 (750) 104,484 943,842 106,595 15,000 54,916 36,679 (0) (652) 79 (731) 105,943 926,233 99,251 15,000 44,796 39,455 (0) (713) (1) (711) 98,538 955,623 - 1,155 - 3,089 10,077 829,728 - 1,148 1,489 90,509 130,198 782 326 32,593 3,789 93,366 20,000 54,500 3,870 475 816,765 - 1,116 763,718 16,180 228,879 106,600 121,400 30,970 1,171 48 4,622 416 823,109 - 1,217 740,479 14,889 235,109 90,800 120,700 23,897 - 1,187 - - 3 取扱高 包括信用購入あっせん 個別信用購入あっせん オートクレジット その他ショッピングクレジット 信用保証 オートクレジット その他ショッピングクレジット その他信用保証 融資 消費者金融 カードキャッシング ローンカード その他消費者金融 その他融資 その他 合計 Trading Volum e Credit Card Shopping (Hokatsu) Installment Shopping Credit (Kobetsu) Auto Credit Other Shopping Credit Credit Guarantee Auto Credit Other Shopping Credit Others Total Loans Consumer Loans Cashing by Credit Card Loan Card Other Consumer Loans Other Loans Others Total 顧客数 ショッピングクレジット事業 新規信用供与件数（千件） 個別信用購入あっせん 信用保証 加盟店数（千店） クレジットカード ショッピングクレジット 有効カード会員数（千人） クレジットカード ローンカード カード新規獲得枚数（千枚） クレジットカード ローンカード 残高有口座数（千人） クレジットカードキャッシング ローンカード 店舗・チャ ネル 営業店舗数(店) CD台数(千台) 2014.7-9 2014.10-12 157,699 161,444 32,089 32,981 11,612 11,809 20,477 21,172 53,601 50,520 28,089 27,223 22,915 20,661 2,596 2,635 16,152 16,569 12,976 13,472 8,714 8,676 1,865 1,807 2,397 2,987 3,175 3,097 318,972 337,079 578,516 598,595 未監査（単位：百万円） Unaudited (Millions of Yen) 2015.1-3 2015.4-6 2015.7-9 2015.10-12 150,207 151,312 151,798 155,142 33,673 34,275 32,493 34,003 14,337 13,204 11,869 12,456 19,335 21,071 20,624 21,547 48,937 49,974 50,281 50,337 26,694 27,233 27,441 27,385 19,909 19,742 20,022 20,221 2,334 2,999 2,817 2,730 16,551 18,182 19,861 22,826 13,514 14,966 16,660 19,982 8,176 8,617 8,122 7,813 1,815 1,963 1,997 1,852 3,522 4,385 6,540 10,316 3,036 3,215 3,201 2,844 307,102 320,003 329,020 346,973 556,473 573,749 583,455 609,283 2014.1-3 156,441 35,514 16,046 19,468 55,052 30,163 22,519 2,368 16,584 12,775 8,819 1,697 2,258 3,809 297,839 561,432 2014.4-6 154,315 33,006 12,074 20,932 54,352 28,277 23,585 2,488 17,111 13,389 9,211 1,864 2,312 3,722 314,854 573,639 Num ber of Custom ers (Thousands) Number of New Transactions in Shopping Credit Business Installment Shopping Credit Credit Guarantee Number of Merchants Credit Card Shopping Credit Available Cardholders Credit Card Loan Card Number of New Card Issuance Credit Card Loan Card Number of Active Accounts Cashing by Credit Card Loan Card 2014.3 81 44 37 1,012 408 603 6,002 5,802 200 50 48 2 315 216 99 2014.6 75 40 35 n/a n/a n/a 5,917 5,716 200 53 51 2 311 215 96 2014.9 75 39 35 1,022 409 613 5,820 5,617 202 47 45 2 304 210 93 2014.12 71 39 32 n/a n/a n/a 5,812 5,609 203 46 44 2 294 202 91 2015.3 74 38 36 1,034 411 623 5,815 5,611 204 48 46 2 296 208 87 2015.6 73 37 35 n/a n/a n/a 5,794 5,587 206 50 47 2 293 207 85 2015.9 73 37 36 1,046 412 633 5,768 5,562 205 41 39 2 289 204 84 2015.12 73 38 35 n/a n/a n/a 5,730 5,524 206 40 37 2 282 198 83 Num ber of Branches and Channels Branches CDs (Thousands) 2014.3 37 153 2014.6 37 n/a 2014.9 37 153 2014.12 37 n/a 2015.3 37 154 2015.6 38 n/a 2015.9 38 156 2015.12 38 n/a 4 平均貸出金利 クレジットカードキャッシング、ローンカード Average Lending Rates Cashing by Credit Card and Loan Card 2014.3 17.7% 2014.6 17.7% 2014.9 17.7% 2014.12 17.7% 2015.3 17.6% 2015.6 17.6% 2015.9 17.6% 2015.12 17.6% 融資残高内訳 貸付金利別融資残高（億円） 残高（クレジットカードキャッシング、ローンカード）： ～15.0% ～18.0% ～20.0% ～25.0% ～29.2% 合計 比率（クレジットカードキャッシング、ローンカード）： ～15.0% ～18.0% ～20.0% ～25.0% ～29.2% 合計 カードタイプ別融資残高（億円） クレジットカードキャッシング ローンカード 合計 Breakdow n of Loan Receivables Loan Receivables Outstanding by Interest Rate Zone (100 Millions of yen) Outstanding (Cashing by Credit Card and Loan Card): ～15.0% ～18.0% ～20.0% ～25.0% ～29.2% Total Ratios (Cashing by Credit Card and Loan Card): ～15.0% ～18.0% ～20.0% ～25.0% ～29.2% Total Loan Receivables Outstanding by Card Type (100 Millions of yen) Cashing by Credit Card Loan Card Total 2014.3 2014.6 2014.9 2014.12 2015.3 2015.6 2015.9 2015.12 １口座あたり残高 １口座あたり残高(千円) クレジットカードキャッシング ローンカード Credit Outstanding Per Account (Thousands of Yen) Credit Outstanding Per Account Cashing by Credit Card Loan Card 2014.3 226 161 366 2014.6 225 161 369 2014.9 227 163 372 2014.12 230 165 375 2015.3 226 164 375 2015.6 227 164 379 2015.9 227 165 379 2015.12 228 164 379 延滞残高比率 ク レジ ット カー ドキ ャ ッシ ング、ロー ンカー ド 91～180日延滞残高比率 Ratio of Delinquent Unsecured Personal Loans Cashing by Credit Card and Loan Card 91-180 Days Delinquency Ratio 2014.3 2014.6 2014.9 2014.12 2015.3 2015.6 2015.9 2015.12 0.6% 0.6% 0.6% 0.7% 0.6% 0.6% 0.6% 0.6% 年齢別残高構成比 ク レジ ット カー ドキ ャ ッシ ング、ロー ンカー ド <30 <40 <50 <60 >/= 60 合計 Balance by Age Cashing by Credit Card and Loan Card <30 <40 <50 <60 Over 60 Total 2014.3 2014.6 2014.9 2014.12 2015.3 2015.6 2015.9 2015.12 4.6% 20.5% 32.3% 24.6% 18.0% 100.0% 4.5% 20.3% 32.4% 24.9% 17.9% 100.0% 4.3% 19.9% 32.4% 25.1% 18.3% 100.0% 4.1% 19.5% 32.4% 25.4% 18.6% 100.0% 4.0% 19.0% 32.2% 25.8% 19.0% 100.0% 3.9% 18.8% 32.2% 26.1% 19.0% 100.0% 3.8% 18.3% 32.1% 26.4% 19.4% 100.0% 3.7% 17.9% 32.0% 26.8% 19.6% 100.0% 性別残高構成比 ク レジ ット カー ドキ ャ ッシ ング、ロー ンカー ド 男性 女性 合計 Balance by Gender Cashing by Credit Card and Loan Card Male Female Total 2014.3 2014.6 2014.9 2014.12 2015.3 2015.6 2015.9 2015.12 68.2% 31.8% 100.0% 68.5% 31.5% 100.0% 68.6% 31.4% 100.0% 68.7% 31.3% 100.0% 68.4% 31.6% 100.0% 68.5% 31.5% 100.0% 68.7% 31.3% 100.0% 68.9% 31.1% 100.0% 実行残高別残高構成比 ク レジ ット カー ドキ ャ ッシ ング、ロー ンカー ド 10万円未満 10万円以上、30万円未満 30万円以上、50万円未満 50万円以上、100万円未満 100万円以上 合計 Balance by Am ount of Origination Cashing by Credit Card and Loan Card Less than JPY 100K Over JPY 100K and less than JPY 300K Over JPY 300K and less than JPY 500K Over JPY 500K and less than JPY 1M Over JPY 1M Total 2014.3 2014.6 2014.9 2014.12 2015.3 2015.6 2015.9 2015.12 9.0% 30.4% 29.0% 22.4% 9.2% 100.0% 8.9% 30.5% 29.6% 21.9% 9.1% 100.0% 8.6% 30.7% 30.1% 21.6% 9.0% 100.0% 8.4% 30.7% 30.6% 21.3% 8.9% 100.0% 8.5% 32.1% 30.4% 20.6% 8.5% 100.0% 8.6% 32.2% 30.8% 20.1% 8.3% 100.0% 8.4% 32.1% 31.2% 19.9% 8.3% 100.0% 8.4% 32.0% 31.6% 19.5% 8.4% 100.0% 163 490 13 32 13 713 22.9% 68.8% 2.0% 4.6% 1.8% 100.0% 350 363 713 159 484 13 32 12 702 22.7% 69.0% 2.0% 4.6% 1.8% 100.0% 347 354 702 156 478 13 31 12 692 22.5% 69.1% 1.9% 4.6% 1.8% 100.0% 343 348 692 152 467 13 31 12 677 22.6% 69.0% 2.0% 4.6% 1.9% 100.0% 335 342 677 150 467 12 29 11 672 22.5% 69.5% 1.9% 4.4% 1.7% 100.0% 343 328 672 149 464 12 29 11 666 22.4% 69.6% 1.9% 4.4% 1.7% 100.0% 341 325 666 146 459 12 29 11 658 22.3% 69.7% 1.8% 4.4% 1.7% 100.0% 337 321 658 144 447 12 29 11 643 22.4% 69.5% 1.9% 4.5% 1.8% 100.0% 326 317 643 5 貸倒関連情報 貸倒関連費用 貸倒引当金目的使用額 貸倒引当金残高 営業債権残高 リスク管理債権 破綻先債権 延滞債権 3ヵ月以上延滞債権 貸出条件緩和債権 Credit Costs and Allow ance for Bad Debts Credit Costs for Bad Debts Dispositioned Amounts in Allow ance for Bad Debts Allow ance for Bad Debts Account Receivables Risk Monitored Installment Receivables Installment Receivables to Bankrupt Borrow ers Non- Accrual Delinquent Installment Receivables Installment Receivables Past Due for 3 Months or More Restructured Installment Receivables 2014.1-3 2,136 1,892 29,716 706,135 41,095 62 29,622 1,464 9,945 2014.4-6 2,040 2,184 29,590 692,572 n/a n/a n/a n/a n/a 2014.7-9 2014.10-12 1,526 1,703 863 1,401 30,483 30,854 683,018 680,628 40,674 n/a 77 n/a 29,919 n/a 1,424 n/a 9,252 n/a 利息返還関連情報 利息返還関連費用 利息返還実績 債権放棄額 利息返還額 利息返還損失引当金残高 Grey Zone Related Inform ation Credit Costs for Grey Zone Claims Amount of Refund for Grey Zone Claim Amount of Debt Write-Off Amount of Interest Repayment Reserve for Losses on Interest Repayment 2014.1-3 2,001 776 97 679 4,622 2014.4-6 762 82 680 3,870 2014.7-9 2014.10-12 850 785 778 93 97 692 681 3,089 3,169 調達状況（１） 残高： 短期借入金 1年内返済予定の長期借入金 長期借入金(1年内返済予定のものを除く) 長期債権流動化債務 短期社債 社債 合計 平均利率： 短期借入金 1年内返済予定の長期借入金 長期借入金(1年内返済予定のものを除く) 長期債権流動化債務 短期社債 社債 合計 Balance and Ratio of Total Funding (1) Balance： Short-Term Debts Long-Term Debts to Be Paid w ithin a Year Other Long-Term Debts Long-Term Debts by Securitization Commercial Paper Corporate Bonds Total Average Interest Rate： Short-Term Debts Long-Term Debts to Be Paid w ithin a Year Other Long-Term Debts Long-Term Debts by Securitization Commercial Paper Corporate Bonds Total 2014.3 2014.6 調達状況（２） 残高： 固定金利調達 変動金利調達 合計 比率： 固定金利調達 変動金利調達 合計 Balance and Ratio of Total Funding (2) Balance Fixed Interest Funding Floating Interest Funding Total Ratio： Fixed Interest Funding Floating Interest Funding Total 調達状況（３） デリバティブ（キャップ） 債権流動化 個別信用購入あっせん債権 融資債権 Balance and Ratio of Total Funding (3) Derivatives (Cap Outstanding) Securitization Outstanding Installment Shopping Credit Loans 119,400 26,108 10,868 124,800 26,611 12,154 - 60,500 74,500 216,877 238,066 2014.9 150,800 11,425 13,974 9,600 72,300 10,000 268,099 2014.12 155,200 13,195 18,004 9,600 70,500 10,000 276,499 未監査（単位：百万円） Unaudited (Millions of Yen) 2015.1-3 2015.4-6 2015.7-9 2015.10-12 1,528 1,987 2,415 1,993 2,107 1,683 1,647 1,647 30,553 30,857 31,623 32,074 674,363 673,963 678,242 693,779 40,891 n/a 40,904 n/a 63 n/a 48 n/a 30,107 n/a 30,935 n/a 1,736 n/a 1,482 n/a 8,983 n/a 8,438 n/a 2015.1-3 3,203 963 91 871 10,848 2015.4-6 1,296 114 1,181 9,586 2015.3 2015.6 116,300 18,846 28,754 9,600 77,000 10,000 260,500 151,200 18,826 29,128 9,600 89,200 20,000 317,954 2015.7-9 2015.10-12 1,178 1,113 124 101 1,053 1,012 8,450 7,365 2015.9 120,700 23,897 39,891 9,600 90,800 20,000 304,889 2015.12 121,400 30,970 54,500 9,600 106,600 20,000 343,071 0.6% 0.9% 1.0% 0.5% 0.6% 0.6% 0.9% 1.0% 0.4% 0.6% 0.6% 0.9% 1.0% 0.5% 0.4% 0.5% 0.6% 0.6% 0.9% 1.0% 0.5% 0.4% 0.5% 0.6% 0.6% 0.8% 0.9% 0.5% 0.4% 0.5% 0.6% 0.6% 0.8% 0.9% 0.5% 0.4% 0.5% 0.6% 0.6% 0.8% 0.8% 0.5% 0.4% 0.5% 0.6% 0.6% 0.8% 0.8% 0.5% 0.3% 0.5% 0.6% 2014.3 2014.6 2014.9 2014.12 2015.3 2015.6 2015.9 2015.12 18,336 198,541 216,877 18,170 219,896 238,066 23,770 244,329 268,099 24,435 252,064 276,499 26,962 233,538 260,500 38,800 279,154 317,954 49,513 255,376 304,889 52,401 290,670 343,071 8% 92% 100% 8% 92% 100% 9% 91% 100% 9% 91% 100% 10% 90% 100% 12% 88% 100% 16% 84% 100% 15% 85% 100% 2014.3 10,708 10,708 - 2014.6 8,629 8,629 - 2014.9 6,819 6,819 - 2014.12 5,198 5,198 - 2015.3 3,743 3,743 - 2015.6 3,075 3,075 - 2015.9 2,406 2,406 - 2015.12 1,800 1,800 - 6
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