Financial Results for Fiscal 2023
(from April 1,2023 to March 31,2024)
CONTENTS

Ａ. Shizuoka Financial Group（SFG）連結決算情報

Page

CONSOLIDATED FINANCIAL INFORMATION
１．連結貸借対照表 ··········································································································································································· 1
CONSOLIDATED BALANCE SHEETS
２．連結損益計算書及び連結包括利益計算書························································································································· 2
CONSOLIDATED STATEMENTS OF INCOME
AND CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
３．連結株主資本等変動計算書 ···················································································································································· 3
CONSOLIDATED STATEMENTS OF CHANGES IN NET ASSETS
４．連結キャッシュ・フロー計算書··················································································································································· 5
CONSOLIDATED STATEMENTS OF CASH FLOWS
５．連結の範囲に関する事項、持分法の適用に関する事項等 ·························································································· 6
THE SCOPE OF CONSOLIDATED FINANCIAL REPORTING AND APPLICATION
OF THE EQUITY METHOD

Ｂ. 静岡銀行（単体）決算情報
NON-CONSOLIDATED FINANCIAL INFORMATION
１．貸借対照表····················································································································································································· 7
NON-CONSOLIDATED BALANCE SHEETS
２．損益計算書····················································································································································································· 8
NON-CONSOLIDATED STATEMENTS OF INCOME
３．株主資本等変動計算書 ······················································································································································ 9・10
NON-CONSOLIDATED STATEMENTS OF CHANGES IN NET ASSETS

参考REFERENCE

１．静岡銀行グループの状況 ················································································································································· 8
OVERVIEW OF THE CORPORATE GROUP
２．経営方針 MANAGEMENT POICY 営成績及び財政状態 BUSINESS PERFORMANCE AND FINANCIAL POSITION

Shizuoka Financial Group, Inc.,
URL https://www.shizuoka-fg.co.jp/

A．SFG連結決算情報
CONSOLIDATED FINANCIAL INFORMATION
１．CONSOLIDATED BALANCE SHEETS

連結決算情報連結貸借対照表
Millions of Yen (金額単位：百万円）
As ofMarch 31,2023

AssetsAs ofMarch 31,2024

資産の部

Cash and due from banks

現金預け金1,747,165

1,562,796

Call loans and bills bought

コールローン及び買入手形

200,866

101,876

Monetary claims bought

買入金銭債権

49,18453,743

Trading account assets

特定取引資産10,895

11,835

Money held in trust

金銭の信託

110,095

144,200

Securities

有価証券

2,996,076

3,332,594

Loans and bills discounted

貸出金

10,037,128

10,393,864

Foreign exchanges

外国為替

7,903

6,283

Lease receivables and investments in leases

リース債権及びリース投資資産

84,37983,899Other assets

その他資産

258,279

340,839

Tangible fixed assets

有形固定資産54,33850,262Intangible fixed assets

無形固定資産42,19922,344Retirement benefit asset

退職給付に係る資産

13,844

17,695

Deferred tax assets

繰延税金資産

3,242

3,260

Customers' liabilities for acceptances and guarantees

支払承諾見返91,672

68,738

Allowance for loan losses

貸倒引当金△52,336△52,594

Allowance for investment loss

投資損失引当金△49△50

Total assets

資産の部合計15,654,886

16,141,589

11,705,070

11,853,070

Liabilities

負債の部

Deposits

預金

Negotiable certificates of deposit

譲渡性預金65,104

99,085

Call money and bills sold

コールマネー及び売渡手形

172,557

50,146

Securities sold under repurchase agreements

売現先勘定385,270

517,733

Cash collateral received for securities lent

債券貸借取引受入担保金

466,781778,782

Trading account liabilities

特定取引負債

6,319

4,182

Borrowed money

借用金1,325,573

1,267,287

Foreign exchanges

外国為替

540

1,122

Bonds payable

社債

44,932

4,000

Borrowed money from trust account

信託勘定借

141

117

Other liabilities

その他負債

157,526

204,760

Retirement benefit liability

退職給付に係る負債

3,879

3,497

Provision for retirement benefits for directors (and other officers)

役員退職慰労引当金

439

415

Provision for reimbursement of deposits

睡眠預金払戻損失引当金

485

706

Provision for contingent loss

偶発損失引当金

1,324

1,243

Provision for point card certificates

ポイント引当金

288

245

Reserves under special laws

特別法上の引当金

1114Deferred tax liabilities

繰延税金負債78,86083,048

Acceptances and guarantees

支払承諾91,672

68,738

Total liabilities

負債の部合計14,506,781

14,938,201

Net assets

純資産の部

Share capital

資本金90,00090,000Capital surplus

資本剰余金55,46245,922Retained earnings

利益剰余金805,354845,288

Treasury shares

自己株式△33,607△36,042

Total shareholders' equity

株主資本合計917,209945,167

Valuation difference on available-for-sale securities

その他有価証券評価差額金

227,948

245,056

Deferred gains or losses on hedges

繰延ヘッジ損益△1,3871,238

Foreign currency translation adjustment

為替換算調整勘定

3,242

9,063

Remeasurements of defined benefit plans

退職給付に係る調整累計額

818

2,758

Total accumulated other comprehensive income

その他の包括利益累計額合計

230,622

258,116

Share acquisition rights

新株予約権

272

86

Non-controlling interests

非支配株主持分―16

Total net assets

純資産の部合計

1,148,105

1,203,387

負債及び純資産の部合計

15,654,886

16,141,589

Total liabilities and net assets
Note: Figures less than ￥1 million are omitted.

－1－２．CONSOLIDATED STATEMENTS OF INCOME
AND CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
連結損益計算書及び連結包括利益計算書
CONSOLIDATED STATEMENTS OF INCOME 連結損益計算書
Millions of Yen (金額単位：百万円）
FY2022

Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Interest on call loans and bills boughtInterest income on securities purchased under resale agreements
Interest on deposits with banks
Other interest income
Trust fees
Fees and commissions
Gain on trading account transactions
Other ordinary income
Other income
Recoveries of written off receivables
Other
Ordinary expenses
Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit
Interest on call money and bills soldInterest expenses on securities sold under repurchase agreements
Interest expenses on cash collateral received for securities lentInterest on borrowings and rediscounts
Interest expenses on bonds
Interest expenses on bonds with share acquisition rights
Other interest expenses
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Provision of allowance for loan losses
Other
Ordinary profit
Extraordinary income
Gain on disposal of non-current assets
Extraordinary losses
Loss on disposal of non-current assets
Impairment losses
Provision of reserve for financial instruments transaction liabilities
Loss on liquidation of subsidiaries
Profit before income taxes
Income taxes - current
Income taxes - deferred
Total income taxes
Profit

経常収益

Profit (loss) attributable to non-controlling interests

非支配株主に帰属する四半期純利益又は非支配株主に帰属する四半期純損失（△）

Profit attributable to owners of parent
Note: Figures less than ￥1 million are omitted.

親会社株主に帰属する当期純利益

資金運用収益
貸出金利息
有価証券利息配当金
コールローン利息及び買入手形利息
買現先利息
預け金利息
その他の受入利息
信託報酬
役務取引等収益
特定取引収益その他業務収益その他経常収益償却債権取立益
その他の経常収益
経常費用
資金調達費用預金利息
譲渡性預金利息
コールマネー利息及び売渡手形利息
売現先利息
債券貸借取引支払利息
借用金利息
社債利息
新株予約権付社債利息
その他の支払利息
役務取引等費用
その他業務費用
営業経費
その他経常費用
貸倒引当金繰入額
その他の経常費用
経常利益
特別利益
固定資産処分益
特別損失
固定資産処分損
減損損失
金融商品取引責任準備金繰入額
子会社清算損税金等調整前当期純利益
法人税、住民税及び事業税
法人税等調整額
法人税等合計当期純利益

FY2023287,386
158,608
117,069
33,592
1,572
△0
5,569
805
2
76,9393,723
26,824
21,28731
21,256
213,422
39,71918,355
1,067
2,210
8,409
245
2,300
1,365
717
5,046
39,596
26,61695,857
11,631
4,543
7,088
73,964
186
186
830
571
258
－
－
73,32020,060808
20,86852,452

346,526
206,074
139,155
52,065
7,359
△0
6,807
686
2
82,753
1,542
19,18836,96453
36,910244,301
78,31538,332
2,796
1,377
25,462
288
4,073
1,003
－
4,981
38,397
21,52596,469
9,593
3,980
5,612
102,224
25
25
22,759409
22,1433
203
79,49027,019△5,286
21,73257,75754△352,39757,760CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME 連結包括利益計算書
Millions of Yen (金額単位：百万円）
FY2022

ProfitOther comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Foreign currency translation adjustment
Remeasurements of defined benefit plans, net of tax
Share of other comprehensive income of entities
accounted for using equity method
Comprehensive income
Comprehensive income attributable toComprehensive income attributable to owners of parent
Comprehensive income attributable to non-controlling interests
Note: Figures less than ￥1 million are omitted.

当期純利益
その他の包括利益
その他有価証券評価差額金
繰延ヘッジ損益
為替換算調整勘定
退職給付に係る調整額
持分法適用会社に対する持分相当額
包括利益

FY202352,452
29,782
34,530△1,612△1,552△1,81857,75727,494
17,057
2,794
4,925
1,939

236

776

82,23485,251

82,21519

85,255△3（内訳）
親会社株主に係る包括利益
非支配株主に係る包括利益－2－

３．CONSOLIDATED STATEMENTS OF CHANGES IN NET ASSETS
連結株主資本等変動計算書
前連結会計年度(自 2022年４月１日 至 2023年3月31日)
FY2022 Ended Mar.31,2023

Millions of Yen (金額単位：百万円）

Shareholders' equity
株主資本

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Purchase of shares of consolidated
subsidiaries

連結子会社株式の取得による持分の増減

Dividends of surplus

剰余金の配当Profit attributable to owners of parent

親会社株主に帰属する
当期純利益

Purchase of treasury shares

自己株式の取得

Disposal of treasury shares

自己株式の処分

Transfer from capital to capital surplus

資本金から資本剰余金への振替

Net changes in items other thanshareholders' equity

株主資本以外の項目の
当期変動額（純額)

SharecapitalCapitalsurplusRetainedearnings

TreasurysharesTotalshareholders'equity

資本金

資本剰余金

利益剰余金

自己株式

株主資本合計54,884

769,036

90,845△29,030△270△270△16,078△ 16,078

52,39752,397△ 4,705△ 4,705

128

131

2
△845

885,735

845－－

Total changes during period

当期変動額合計△845

578

36,318△4,57731,473

Balance at end of period

当期末残高

90,00055,462805,354△33,607917,209

Accumulated other comprehensive income
その他の包括利益累計額

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Valuationdifference on
available-forsale
securities

Deferred
gains orlosses onhedges

その他有価証券
評価差額金

繰延ヘッジ
損益

193,717

223

Share
NonTotalacquisition
controlling
Foreign
Remeasurements accumulated
rightsinterests
currencyof defined benefit
othertranslationplanscomprehensive
adjustment
income
為替換算
調整勘定

4,226

退職給付に係る
調整累計額

2,637

その他の包括利益
新株予約権
累計額合計

200,804

318

非支配
株主持分

1,388

Total net
assets

純資産合計

1,088,247

Purchase of shares of consolidated
subsidiaries

連結子会社株式の取得による持分の増減

Dividends of surplus

剰余金の配当Profit attributable to owners of parent

親会社株主に帰属する
当期純利益

52,397Purchase of treasury shares

自己株式の取得△4,705

Disposal of treasury shares

自己株式の処分

131

Transfer from capital to capital surplus

資本金から資本剰余金への振替－

Net changes in items other thanshareholders' equity

株主資本以外の項目の
当期変動額（純額)△270△16,078

34,231△1,611△983△1,81829,818△45△1,38828,383

Total changes during period

当期変動額合計

34,231△1,611△983△1,81829,818△45△1,38859,857

Balance at end of period

当期末残高

227,948△1,387

3,242

818

230,622272－

1,148,105

Note: Figures less than ￥1 million are omitted.

－3－当連結会計年度(自 2023年４月１日 至 2024年3月31日)
FY2023 Ended Mar.31,2024

Millions of Yen (金額単位：百万円）

Shareholders' equity
株主資本

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Dividends of surplus

剰余金の配当Profit attributable to owners of parent

親会社株主に帰属する
当期純利益

Purchase of treasury shares

自己株式の取得

Disposal of treasury shares

自己株式の処分

Cancellation of treasury shares

自己株式の消却Net changes in items other thanshareholders' equity

株主資本以外の項目の
当期変動額（純額)

Total changes during period

当期変動額合計

Balance at end of period

当期末残高

Share
capitalCapitalsurplusRetainedearnings

TreasurysharesTotalshareholders'equity

資本金

資本剰余金

利益剰余金

自己株式

株主資本合計

55,462805,354

90,000△33,607917,209△17,827△17,827

57,76057,760△12,297△12,297

△7

330

322

△9,532

9,532

-

-

△9,53939,933△2,43527,95890,00045,922845,288△36,042

945,167

Accumulated other comprehensive income
その他の包括利益累計額

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Valuationdifference on
available-forsale
securities

Deferred
gains orlosses onhedges

その他有価証券
評価差額金

繰延ヘッジ
損益

227,948△1,387

Share
NonTotalacquisition controlling
Foreign
Remeasurements accumulated
rightsinterests
currencyof defined benefit
othertranslationplanscomprehensive
adjustment
income
為替換算
調整勘定

3,242

退職給付に係る調整累計額

818

その他の包括利益
新株予約権
累計額合計

230,622

272

非支配
株主持分

Total net
assets

純資産合計-

1,148,105

Dividends of surplus

剰余金の配当Profit attributable to owners of parent

親会社株主に帰属する
当期純利益

Purchase of treasury shares

自己株式の取得△12,297

Disposal of treasury shares

自己株式の処分

322

Cancellation of treasury shares

自己株式の消却-Net changes in items other thanshareholders' equity

株主資本以外の項目の
当期変動額（純額)△17,827
57,76017,107

2,626

5,820

1,939

27,494△186

16

27,324

Total changes during period

当期変動額合計

17,107

2,626

5,820

1,939

27,494△186

16

55,282

Balance at end of period

当期末残高

245,056

1,238

9,063

2,758

258,11686

161,203,387

Note: Figures less than ￥1 million are omitted.

－4－４．CONSOLIDATED STATEMENTS OF CASH FLOWS 連結キャッシュ・フロー計算書
Millions of Yen (金額単位：百万円）

FY2022
Cash flows from operating activities

FY2023

営業活動によるキャッシュ・フロー

退職給付に係る負債の増減額（△は減少）

73,32017,965258△417△1,0465464
111

79,49015,22922,143△8,131258
0△3,851△382

Increase (decrease) in provision for retirement benefits for directors(and other officers)

役員退職慰労引当金の増減額（△は減少）

56

△23

Increase (decrease) in provision for reimbursement of deposits

睡眠預金払戻損失引当金の増減（△）

Increase (decrease) in provision for contingent loss

偶発損失引当金の増減額（△は減少）

Increase (decrease) in provision for point card certificates

ポイント引当金の増減額（△は減少）

Interest income

資金運用収益Interest expenses

資金調達費用Loss (gain) related to securities

有価証券関係損益（△）

Loss (gain) on money held in trust

金銭の信託の運用損益（△は運用益）

Loss (gain) on disposal of non-current assets

固定資産処分損益（△は益）Loss (gain) on liquidation of subsidiaries

子会社清算損益（△は益）Net decrease (increase) in trading account assets

特定取引資産の純増（△）減Net increase (decrease) in trading account liabilities

特定取引負債の純増減（△）

Net decrease (increase) in loans and bills discounted

貸出金の純増（△）減Net increase (decrease) in deposits

預金の純増減（△）

Net increase (decrease) in negotiable certificates of deposit

譲渡性預金の純増減（△）

Net increase (decrease) in borrowed money
Net decrease (increase) in due from banks(excluding due from Bank of Japan)
Net decrease (increase) in call loans

借用金の純増減（△）

△360
68
△129
△158,608
39,719△6,281
△84
385
－
3,861
2,989
△482,517
268,903△97,368△44,972

221
△80
△42
△206,074
78,315△22,707
△99
384
203
△939
△2,136△266,909
42,11028,709△66,846

預け金（日銀預け金を除く）の純増（△）減△40,649

59,928

コールローン等の純増（△）減Net decrease (increase) in monetary claims bought

買入金銭債権の純増（△）減Net increase (decrease) in call money

コールマネー等の純増減（△）

Net increase (decrease) in payables under repurchase agreements

売現先勘定の純増減（△）

Net increase (decrease) in cash collateral received for securities lent

債券貸借取引受入担保金の純増減（△）

Net decrease (increase) in foreign exchanges - assets

外国為替（資産）の純増（△）減Net increase (decrease) in foreign exchanges - liabilities

外国為替（負債）の純増減（△）

Net decrease (increase) in lease receivables and investments in leases

リース債権及びリース投資資産の純増（△）減Decrease (increase) in straight bonds by redemption (issue)

普通社債発行及び償還による増減（△）

Net increase (decrease) in borrowed money from trust account

信託勘定借の純増減（△）

Interest received

資金運用による収入

Interest paid

資金調達による支出

Other, net

その他

Subtotal

小計

Income taxes paid

法人税等の支払額

Net cash provided by (used in) operating activities

営業活動によるキャッシュ・フロー

△128,447△10,832△11,41761,471
387,775
3,444△1,861△2,0664,367△56
156,157△33,830△59,991△59,613△12,877△72,490

123,193△4,559△132,062
80,960312,001
1,830
582
△20
△44,769△24
205,531△76,191△23,520
191,723△21,670
170,053△2,571,773
1,987,567
174,800△5,295△4,661△8,104677△426,789△1,505,234
1,037,606
225,342△39,400△4,941△7,136265△293,497△17,796－△7,0020－20

Profit before income taxes

税金等調整前当期純利益

Depreciation

減価償却費

Impairment losses

減損損失

Share of loss (profit) of entities accounted for using equity method

持分法による投資損益（△は益）Increase (decrease) in allowance for loan losses

貸倒引当金の増減（△）

Increase (decrease) in allowance for investment loss

投資損失引当金の増減額（△は減少）

Decrease (increase) in retirement benefit asset

退職給付に係る資産の増減額（△は増加）

Increase (decrease) in retirement benefit liability

Cash flows from investing activities

投資活動によるキャッシュ・フロー

Purchase of securities

有価証券の取得による支出

Proceeds from sale of securities

有価証券の売却による収入

Proceeds from redemption of securities

有価証券の償還による収入

Increase in money held in trust

金銭の信託の増加による支出

Purchase of tangible fixed assets

有形固定資産の取得による支出

Purchase of intangible fixed assets

無形固定資産の取得による支出

Proceeds from sale of tangible fixed assets

有形固定資産の売却による収入

Net cash provided by (used in) investing activities

投資活動によるキャッシュ・フローCash flows from financing activities

財務活動によるキャッシュ・フロー

Dividends paid

配当金の支払額

Dividends paid to non-controlling interests

非支配株主への配当金の支払額

Purchase of treasury shares

自己株式の取得による支出

Proceeds from sale of treasury shares

自己株式の売却による収入

Redemption of bonds with subscription rights to shares

新株予約権付社債の償還による支出

Proceeds from share issuance to non-controlling shareholders
Purchase of shares of subsidiaries not resulting in change inscope of consolidation
Net cash provided by (used in) financing activities

非支配株主からの払込みによる収入△16,043△2△4,705
86△39,813－

連結の範囲の変更を伴わない子会社株式の取得による支出△1,400－△61,8782△561,155
2,129,843
1,568,687△24,778
4△148,217
1,568,687
1,420,470

財務活動によるキャッシュ・フロー

Effect of exchange rate change on cash and cash equivalents

現金及び現金同等物に係る換算差額

Net increase (decrease) in cash and cash equivalents

現金及び現金同等物の増減額（△は減少）

Cash and cash equivalents at beginning of period

現金及び現金同等物の期首残高

Cash and cash equivalents at end of period

現金及び現金同等物の期末残高

Note: Figures less than ￥1 million are omitted.

－5－５．THE SCOPE OF CONSOLIDATED FINANCIAL REPORTING AND
APPLICATION OF THE EQUITY METHOD
連結の範囲に関する事項、持分法の適用に関する事項等

1. The Scope of Consolidated Financial Reporting
Number of consolidated subsidiaries : 17
SHIZUOKA BANK CO., LTD.
SHIZUGIN MANAGEMENT CONSULTING CO., LTD.
SHIZUGIN LEASE CO., LTD.
SHIZUGIN IT SOLUTION CO., LTD.
SHIZUGIN CREDIT GUARANTY CO., LTD.
SHIZUGIN CARD., LTD.
SHIZUOKA CAPITAL CO., LTD.
SHIZUGIN TM SECURITIES CO., LTD.
SHIZUGIN GENERAL SERVICE CO., LTD.
SHIZUGIN MORTGAGE SERVICE CO., LTD.
SHIZUGIN BUSINESS CREATE CO., LTD.
SHIZUGIN HEARTFUL CO., LTD.
SHIZUOKA LIQUIDITY RESERVE , LTD.
SHIZUOKA EU LIQUIDITY RESERVE , LTD.
SHIZUOKA SG LIQUIDITY RESERVE , LTD.
SFG MARKETING CO., LTD
SFG REAL ESTATE INVESTMENT ADVISORS CO., LTD

2. Application of the Equity Method
Number of affiliated companies accounted for by the equity method : 3
SHIZUGIN SAISON CARD CO., LTD.
MONEX GROUP, INC.
COMMONS ASSET MANAGEMENT,INC.

3. Balance Sheet Dates of Consolidated Subsidiaries
Balance sheet dates of consolidated subsidiaries are as follows :March 31,2024 : 17

－ 6－

B．静岡銀行（単体）決算情報
NON－CONSOLIDATED FINANCIAL INFORMATION 決算情報

１．NON－CONSOLIDATED BALANCE SHEETS

貸借対照表
Millions of Yen (金額単位：百万円）
As ofMarch 31,2023

AssetsAs ofMarch 31,2024

資産の部

Cash and due from banks

現金預け金1,742,967

1,527,507

Call loans

コールローン

200,866

101,876

Monetary claims bought

買入金銭債権

49,18453,743

Trading account assets

特定取引資産10,478

11,424

Money held in trust

金銭の信託

104,800

144,200

Securities

有価証券

2,947,686

3,334,370

Loans and bills discounted

貸出金

10,063,002

10,446,561

Foreign exchanges

外国為替

7,481

6,283

Other assets

その他資産

216,281

297,679

Property, plant and equipment

有形固定資産50,39846,217

Intangible assets

無形固定資産42,75622,871

Prepaid pension costs

前払年金費用

12,775

14,235

Customers' liabilities for acceptances and guarantees

支払承諾見返142,038

68,683

Allowance for loan losses

貸倒引当金△46,780△46,891

Allowance for investment loss

投資損失引当金△49△50

Total assets

資産の部合計15,543,886

16,028,714

11,752,566

11,997,565

Liabilities

負債の部

Deposits

預金

Negotiable certificates of deposit

譲渡性預金72,904

103,385

Call money

コールマネー

172,557

50,146

Securities sold under repurchase agreements

売現先勘定

381,175

517,733

Cash collateral received for securities lent

債券貸借取引受入担保金

466,781778,782

Trading account liabilities

特定取引負債

6,321

4,185

Borrowed money

借用金1,295,936

1,235,214

Foreign exchanges

外国為替

549

1,122

Bonds payable

社債

39,932－

Borrowed money from trust account

信託勘定借

141

117

Other liabilities

その他負債

115,534

155,122

Provision for retirement benefits

退職給付引当金

2,022

1,737

Provision for retirement benefits for directors (and other officers)

役員退職慰労引当金

330

362

Provision for reimbursement of deposits

睡眠預金払戻損失引当金

485

706

Provision for contingent loss

偶発損失引当金

1,324

1,243

Provision for point card certificates

ポイント引当金

244

196

Deferred tax liabilities

繰延税金負債

77,86080,673

Acceptances and guarantees

支払承諾142,038

68,683

Total liabilities

負債の部合計14,528,707

14,996,980

Net assets

純資産の部

Share capital

資本金90,84590,845

Capital surplus

資本剰余金54,88454,884

資本準備金54,88454,884

利益剰余金

640,428

636,240

Legal retained earnings

利益準備金90,84590,845

Other retained earnings

その他利益剰余金

549,582545,395

2,787

2,697

Legal capital surplus
Retained earnings

Reserve for tax purpose reduction entry of non-current assets

固定資産圧縮積立金

Special reserve

特別積立金493,700

493,700

Retained earnings brought forward

繰越利益剰余金

53,09548,997

Total shareholders' equity

株主資本合計786,157

781,970

Valuation difference on available-for-sale securities

その他有価証券評価差額金

230,444248,391

Deferred gains or losses on hedges

繰延ヘッジ損益△1,423

1,370

Total valuation and translation adjustments

評価・換算差額等合計

229,020

249,762

Total net assets

純資産の部合計

1,015,178

1,031,733

負債及び純資産の部合計

15,543,886

16,028,714

Total liabilities and net assets
Note: Figures less than ￥1 million are omitted.

－7－

２．NON－CONSOLIDATED STATEMENTS OF INCOME 損益計算書
Millions of Yen (金額単位：百万円）
FY2022

Ordinary income

FY2023

経常収益

237,459

291,033

Interest income

資金運用収益159,567

207,693(Interest on loans and discounts)（うち貸出金利息）(

116,840)(

139,055)(Interest and dividends on securities)（うち有価証券利息配当金）(

34,680)(53,348)Trust fees

信託報酬

Fees and commissions

22

役務取引等収益34,78439,049Gain on trading account transactions

特定取引収益1,367

724

Other ordinary income

その他業務収益

26,793

19,188Other income

その他経常収益

14,944

24,374

経常費用

169,875

203,982

Interest expenses

資金調達費用

37,944

77,970(Interest on deposits)（うち預金利息）

Fees and commissions payments

役務取引等費用

Loss on trading account transactions

特定取引費用Other ordinary expenses

Ordinary expenses(

17,083)(38,066)

13,63813,3450－

その他業務費用

26,616

21,518General and administrative expenses

営業経費

86,23486,079Other expenses

その他経常費用

5,440

5,068

Ordinary profit

経常利益67,58387,050Extraordinary income

特別利益

459

24

Extraordinary losses

特別損失

3,618

24,033

Profit before income taxes

税引前当期純利益

64,424

63,042

Income taxes - current

法人税、住民税及び事業税

17,314

23,691

Income taxes - deferred

法人税等調整額

944△5,862

Total income taxes

法人税等合計

18,25817,829Profit

当期純利益

46,16545,212

Note: Figures less than ￥1 million are omitted.

－8－

３．NON-CONSOLIDATED STATEMENTS OF CHANGES IN NET ASSETS
株主資本等変動計算書
前事業年度(自 平成2022年４月１日 至 平成2023年３月31日)
FY2022 Ended Mar.31,2023

Millions of Yen (金額単位：百万円）
Shareholders' equity
株主資本

Capital surplus.

Share capital

資本金Balance at beginning of period

当期首残高

Changes during period

当期変動額

Changes by share transfer

株式移転による変動

Dividends of surplus

剰余金の配当

Reversal of reserve for tax purpose
reduction entry of non-current assets
Provision of special reserve

固定資産圧縮積立金の取崩Reversal of reserve for special reserve

特別積立金の取崩Profit

当期純利益

Purchase of treasury shares

自己株式の取得

Disposal of treasury shares

自己株式の処分

資本剰余金

Legal capitalsurplus

Total capitalsurplus

資本準備金

資本剰余金合計

90,84554,88454,884－
90,845－54,884－54,884

特別積立金の積立

Net changes in items other thanshareholders' equity
Total changes during period

当期変動額合計

Balance at end of period

当期末残高

株主資本以外の項目の
当期変動額（純額）

Shareholders' equity
株主資本

Retained earnings
利益剰余金

Other retained earnings
その他利益剰余金

Legalretainedearnings

利益準備金

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Changes by share transfer

株式移転による変動

Dividends of surplus

剰余金の配当

Reversal of reserve for tax purpose
reduction entry of non-current assets
Provision of special reserve

固定資産圧縮積立金の取崩Reversal of reserve for special reserve

特別積立金の取崩Profit

当期純利益

Purchase of treasury shares

自己株式の取得

Disposal of treasury shares

自己株式の処分

90,845Reserve for tax
purposereduction entry
of non-current
assetsSpecialreserve

Retainedearnings
brought
forward

固定資産
圧縮積立金

特別積立金

繰越利益
剰余金

3,017

△229
5,000
△40,000

特別積立金の積立

Net changes in items other thanshareholders' equity
Total changes during period

当期変動額合計

Balance at end of period

当期末残高

528,700

70,976

Total
retainedearnings

利益剰余金
合計

693,539

TreasurysharesTotalshareholders'equity

自己株式

株主資本
合計

△29,030

810,238

28,987△97,793△97,793

28,987△97,793229－－△5,00040,00046,165－－
46,165－－
46,165△0△1,440△24,080
786,157△1,483△1,483△0
42△17,881
53,095△53,111640,428

29,030－

株主資本以外の項目の
当期変動額（純額）－
90,845△229
2,787△35,000
493,700

Valuation and translation adjustments
評価・換算差額等

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Valuationdifference on
available-forsale securities

Deferred
gains orlosses onhedgesTotalvaluation andtranslation
adjustments

その他有価証券
評価差額金

繰延ヘッジ損益評価・換算差額
等合計

194,366

189

194,555

Share
acquisitionrightsTotal net
assets

新株予約権

純資産合計

318

1,005,112

Changes by share transfer

株式移転による変動

Dividends of surplus
Reversal of reserve for tax purpose
reduction entry of non-current assets
Provision of special reserve

剰余金の配当

Reversal of reserve for special reserve

特別積立金の取崩Profit

当期純利益

46,165Purchase of treasury shares

自己株式の取得

Disposal of treasury shares
Net changes in items other thanshareholders' equity
Total changes during period

自己株式の処分△0△1,440

当期変動額合計

Balance at end of period

当期末残高

28,987△97,793

固定資産圧縮積立金の取崩－

特別積立金の積立－－

株主資本以外の項目の
当期変動額（純額）

36,078△1,612

34,465△318

34,14736,078230,444△1,612△1,423

34,465229,020△318－

10,066
1,015,178

Note: Figures less than ￥1 million are omitted.

－9－当事業年度(自 平成2023年４月１日 至 平成2024年３月31日)
FY2023 Ended Mar.31,2024

Millions of Yen (金額単位：百万円）
Shareholders' equity
株主資本

Capital surplus.

Share capital

資本金Balance at beginning of period

当期首残高

Changes during period

当期変動額

Dividends of surplus

剰余金の配当

Reversal of reserve for tax purpose
reduction entry of non-current assets
Profit

固定資産圧縮積立金の
取崩

資本剰余金

Legal capitalsurplus

Total capitalsurplus

資本準備金

資本剰余金合計

90,84554,88454,884－
90,845－54,884－54,884

当期純利益

Net changes in items other thanshareholders' equity
Total changes during period

当期変動額合計

Balance at end of period

当期末残高

株主資本以外の項目の
当期変動額（純額）

Shareholders' equity
株主資本

Retained earnings
利益剰余金

Other retained earnings
その他利益剰余金

Legalretainedearnings

利益準備金

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Dividends of surplus

剰余金の配当

Reversal of reserve for tax purpose
reduction entry of non-current assets
Profit

固定資産圧縮積立金の取崩

90,845Reserve for tax
purposereduction entry
of non-current
assetsSpecialreserve

Retainedearnings
brought
forward

固定資産
圧縮積立金

特別積立金

繰越利益
剰余金

2,787

493,700

△89

当期純利益

Net changes in items other thanshareholders' equity
Total changes during period

当期変動額合計

Balance at end of period

当期末残高

Total
retainedearnings

利益剰余金
合計

Total
shareholders'equity

自己株式

株主資本
合計

53,095640,428△49,400△49,400△49,400

89－－

45,21245,21245,212－

786,157△4,097
48,997△4,187636,240

株主資本以外の項目の
当期変動額（純額）－
90,845

△89
2,697

－
493,700

Valuation and translation adjustments
評価・換算差額等

Balance at beginning of period

当期首残高

Changes during period

当期変動額

Dividends of surplus
Reversal of reserve for tax purpose
reduction entry of non-current assets
ProfitTreasurysharesValuationdifference on
available-forsale securities

Deferred
gains orlosses onhedgesTotalvaluation andtranslation
adjustments

その他有価証券
評価差額金

繰延ヘッジ損益評価・換算差額
等合計

230,444△1,423229,020

ShareacquisitionrightsTotal net
assets

新株予約権

純資産合計

－

1,015,178△49,400

剰余金の配当固定資産圧縮積立金の取崩

45,212

当期純利益

Net changes in items other thanshareholders' equity
Total changes during period

当期変動額合計

Balance at end of period

当期末残高

株主資本以外の項目の
当期変動額（純額）

17,947

2,794

20,741

17,947248,391

2,794
1,370

20,741
249,762

Note: Figures less than ￥1 million are omitted.

－10－

20741
－
－

16,554
1,031,733－－△4,187
781,970