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36
ANNUAL REPORT 2006
To Our Shareholders and
Customers
General Information
by Business Area Ricoh's Core Values Solutions Environmental Financial Section
The hypothetical scenario does not reflect expected market conditions and
should not be used as a prediction of future perform ance. As the figures
indicate, changes in fair value may not be linear. Also, in the above table, the
effect of a variation in a particular assum ption on the fair value of the retained
interest is calculated without changing any other assumption; in reality,
changes in one factor may result in changes in another, which might magnify
or counteract the sensitivities.
The following table sum marizes certain cash flows received from and paid to
the Special Purpose Entities for all securitization activity for the years ended
March 31, 2004, 2005 and 2006:
Thousands of
Millions of Yen U.S. Dollars
2004 2005
2006 2006
Servicing fees received ¥ 25 ¥ 22
¥ 22 $ 188
Repurchases of delinquent or ineligible assets 4,643 4,060
2,575 22,009
The components of all receivables managed and securitized, am ounts of delinquencies and the components of net credit losses as of March 31, 2005
and 2006, and for the years then ended, are as follows:
Millions of Yen
2005
2006
Principal amount of Principal amount of
Total principal receivables 4 months Total principal receivables 4 months
am ount of receivables or m ore past due Net credit losses amount of receivables or more past due Net credit losses
Principal am ount outstanding ¥567,795 ¥1,016 ¥2,746
¥ 6 0 1 ,5 9 4 ¥ 9 1 9 ¥ 2 ,4 0 1
Less: Receivables securitized ( 44,145)
( 4 4 ,5 4 9 )
Receivables held in portfolio ¥523,650
¥ 5 5 7 ,0 4 5
Thousands of U.S. Dollars
2006
Principal amount of
Total principal receivables 4 months
am ount of receivables or m ore past due Net credit losses
Principal am ount outstanding
$ 5 ,1 4 1 ,8 2 9 $ 7 ,8 5 5 $ 2 0 ,5 2 1
Less: receivables securitized
( 3 8 0 ,7 6 1 )
Receivables held in portfolio
$4,761,068
5 . SECURITIES
Marketable securities and investm ent securities as of March 31, 2005 and 2006 consist of the following:
Thousands of
Millions of Yen U.S. Dollars
2005
2006 2006
Marketable securities:
Available-for-sale securities ¥138
¥162 $1,385
Investm ent securities:
Available-for-sale securities ¥24,205
¥29,934 $255,846
Non-m arketable equity securities 6,949
6,485 55,427
¥31,154
¥36,419 $311,273