Financial Highlights

In the domestic business, operating revenue increased, driven by auto loans and housing loans, as in the previous fiscal year. However, ordinary profit decreased due to an increase in financial expenses caused by rising interest rates and an increase in bad debt-related expenses due to an increase in the receivable balance.
In the overseas business, operating revenue decreased due to a lack of accumulation of trade receivable balances and the discontinuation of handling of some products, and the increase in bad debt-related expenses due to an increase in the uncollected receivable ratio and other factors had a large impact, resulting in an ordinary loss.
As a result, although consolidated operating revenue was 190,978 million yen (up 3.4% from the previous fiscal year), consolidated operating expenses increased from the previous fiscal year to 165,246 million yen (up 9.0% from the previous fiscal year), resulting in consolidated ordinary profit of 25,765 million yen (down 22.1% from the previous fiscal year) and net profit attributable to owners of parent of 18,620 million yen (down 21.7% from the previous fiscal year).