Operating Assets by Products _Non-Consolidated_.pdf

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					Operating Assets by Products (Non-Consolidated)
Orient Corporation
At March 31, 2008 and 2009

                                                                                                                Billions of yen
                                                                                                                                                         Increase/
                                                                                2008                                   2009                              decrease

Consumer finance business
 Credit cards
   Card shopping                                                    ¥     86.8          [144.6]            ¥    57.6           [141.8]          ¥ (29.2)            [(2.8)]
   Card cashing                                                          181.2          [424.3]                167.4           [377.9]            (13.8)          [(46.4)]
                                                                         268.0          [568.9]                224.9           [519.7]            (43.2)          [(49.2)]

     Installment credit
       Auto loans                                                       1,474.7        [1,622.5]            1,413.6         [1,555.4]               (61.1)        [(67.1)]
       Shopping credit                                                    440.0          [651.2]              436.1           [636.5]                (3.9)        [(14.7)]
       Consumer loans
         Standard consumer loans                                          222.5         [370.1]               241.6            [348.2]               19.1 [(21.9)]
         Guaranteed bank loans                                          1,022.1                             1,045.4                                  23.3
         Housing loans                                                    278.8          [313.3]              250.1           [280.8]               (28.7) [(32.5)]
                                                                        1,523.4        [1,705.4]            1,537.2         [1,674.5]                13.8 [(30.9)]
           Subtotal                                                     3,438.1        [3,979.2]            3,386.9         [3,866.4]               (51.2) [(112.8)]

           Total consumer finance business                              3,706.2        [4,548.1]            3,611.8         [4,386.1]               (94.4) [(162.0)]

Commercial finance business
 Subsidiaries and affiliates                                              92.1                                   84.4                                 (7.7)
 Customers                                                                 1.4                                    0.9                                 (0.5)
                                                                          93.5                                   85.2                                 (8.3)

           Total                                                    ¥3,799.6           [4,641.5]          ¥3,697.1          [4,471.4]           ¥(102.5) [(170.1)]

Note: The figures in brackets represent balance of assets, which includes securitized receivables, for which Orico provides collection and management services.




38    Orient Corporation
Non-Consolidated Operating Assets by Products (Including Securitized Receivables)

    Credit Cards                                        Auto Loans                                            Shopping Credit
    (Billions of yen)                                   (Billions of yen)                                     (Billions of yen)
                618     632
       581                    568
                                       519                                  1,679 1,622
                                                                                           1,555                 749       750    761
                                                          1,297 1,286                                                                     651   636




        ’05      ’06    ’07   ’08       ’09                ’05       ’06     ’07     ’08    ’09                  ’05       ’06    ’07     ’08   ’09



    Consumer Loans                                      Commercial Finance Business
    (Billions of yen)                                   (Billions of yen)

               1,731 1,687 1,705
                                 1,674
      1,506




                                                           114
                                                                     90      88      93
                                                                                            85




       ’05       ’06    ’07   ’08       ’09                ’05       ’06     ’07     ’08    ’09



Non-Consolidated Operating Assets Ratio (Including Securitized Receivables)

                                At March 31, 2009

                              Total ¥4,471.4
                                    (Bil ions of yen)

           1.8%                                          0.02%

                                                                                   Consumer Finance Business
                                                                                              Credit Cards
                                                                                              Auto Loans
                                            11.6%                                             Shopping Credit
                                                                                              Consumer Loans
                              37.4%
                                               34.8%
                                                                                   Commercial Finance Business
                                    14.2%
                                                                                             Subsidiaries and Affiliates
                                                                                             Customers



                                                           98.0%




                                                                                                                                        Annual Report 2009   39