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Allowance for loan losses (Tables)
 12 Months Ended
Mar. 31, 2020
Changes in Allowance for Loan Losses, Allowance for Loan Losses and Loans Outstanding Disaggregated on Basis of Impairment Method, by Portfolio Segment
Changes in Allowance for loan losses by portfolio segment for the fiscal years ended March 31, 2018, 2019 and 2020 are shown below:
                 
 
Corporate
 
 
Retail
 
 
Other
 
 
Total
 
 
 
(in millions of yen)
 
2018
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of fiscal year
  
407,327
   
36,923
   
35,423
   
479,673
 
                 
Provision (credit) for loan losses
  
(123,470
)  
(7,427
)  
4,535
   
(126,362
)
                 
Charge-offs
  
(44,621
)  
(2,118
)  
(9,123
)  
(55,862
)
Recoveries
  
12,924
   
814
   
1,482
   
15,220
 
                 
Net charge-offs
  
(31,697
)  
(1,304
)  
(7,641
)  
(40,642
)
                 
Others
(Note)
  
(3,088
)  
—  
   
321
   
(2,767
)
                 
Balance at end of fiscal year
  
249,072
   
28,192
   
32,638
   
309,902
 
                 
                 
2019
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of fiscal year
  
249,072
   
28,192
   
32,638
   
309,902
 
                 
Provision (credit) for loan losses
  
31,693
   
(2,658
)  
3,424
   
32,459
 
                 
Charge-offs
  
(39,728
)  
(2,856
)  
(4,940
)  
(47,524
)
Recoveries
  
11,019
   
552
   
2,532
   
14,103
 
                 
Net charge-offs
  
(28,709
)  
(2,304
)  
(2,408
)  
(33,421
)
                 
Others
(Note)
  
847
   
—  
   
(2,586
)  
(1,739
)
                 
Balance at end of fiscal year
  
252,903
   
23,230
   
31,068
   
307,201
 
                 
                 
2020
 
 
 
 
 
 
 
 
 
 
 
 
Balance at beginning of fiscal year
  
252,903
   
23,230
   
31,068
   
307,201
 
                 
Provision (credit) for loan losses
  
155,576
   
760
   
(136
)  
156,200
 
                 
Charge-offs
  
(33,971
)  
(3,840
)  
(6,547
)  
(44,358
)
Recoveries
  
26,155
   
700
   
1,061
   
27,916
 
                 
Net charge-offs
  
(7,816
)  
(3,140
)  
(5,486
)  
(16,442
)
                 
Others
(Note)
  
(5,454
)  
—  
   
(650
)  
(6,104
)
                 
Balance at end of fiscal year
  
     395,209
   
       20,850
   
       24,796
   
     440,855
 
                 
 
 
 
 
 
Note:Others includes primarily foreign exchange translation.
 
 
 
 
The table below presents Allowance for loan losses and loans outstanding by portfolio segment disaggregated on the basis of impairment method at March 31, 2019 and 2020:
                 
 
Corporate
 
 
Retail
 
 
Other
 
 
Total
 
 
 
(in millions of yen)
 
2019
  
   
   
   
 
Allowance for loan losses
  
252,903
   
23,230
   
31,068
   
307,201
 
                 
of which individually evaluated for impairment
  
139,472
   
2,122
   
8,933
   
150,527
 
of which collectively evaluated for impairment
  
113,431
   
21,108
   
22,135
   
156,674
 
                 
                 
Loans
(Note)
  
66,804,088
   
10,596,994
   
5,551,008
   
82,952,090
 
                 
of which individually evaluated for impairment
  
539,893
   
20,886
   
54,319
   
615,098
 
of which collectively evaluated for impairment
  
66,264,195
   
10,576,108
   
5,496,689
   
82,336,992
 
                 
                 
2020
  
   
   
   
 
Allowance for loan losses
  
395,209
   
20,850
   
24,796
   
440,855
 
                 
of which individually evaluated for impairment
  
231,941
   
1,704
   
5,443
   
239,088
 
of which collectively evaluated for impairment
  
163,268
   
19,146
   
19,353
   
201,767
 
                 
                 
Loans
(Note)
  
71,840,922
   
10,112,617
   
5,723,630
   
87,677,169
 
                 
of which individually evaluated for impairment
  
971,153
   
19,279
   
44,244
   
1,034,676
 
of which collectively evaluated for impairment
  
70,869,769
     
10,093,338
     
  5,679,386
     
86,642,493
   
                 
 
 
 
 
 
Note:Amounts represent loan balances before deducting unearned income and deferred loan fees.