February 6, 2015

Ashikaga Holdings Co.,Ltd.

Financial Results for the Third Quarter of Fiscal Year 2014, ending March 31, 2015
Stock Exchange Listing:
URL:
Representative:
For Inquiry:
Filing date of Financial Statements:

Tokyo (code: 7167)
http://www.ashikaga-hd.co.jp/
Masanao Matsushita, President and Chief Executive Officer
Kiyoshi Kato, Executive Officer and General Manager of Corporate Planning Dept.
February 12, 2015 (scheduled)(Japanese yen amounts of less than 1 million and the first decimal place have been rounded down.)

1. Financial Highlights (from April 1, 2014 to December 31, 2014)(%: Changes from previous fiscal year)(1)Consolidated Operating Results
Ordinary Income
Ordinary Profit
Net Income％％％¥Million¥Million¥Million
Third quarter
73,054(11.6)
19,323(18.0)
12,328(45.4)
Ended December 31, 2014
82,685
10.6
23,58839.9
22,603
61.2
Ended December 31, 2013
(Note) Comprehensive Income

Third quarter of FY2014: ¥34,300 million [53.0%]

Third quarter
Ended December 31, 2014
Ended December 31, 2013

Third quarter of FY2013: ¥22,415 million [70.8%]

Net Income per Net Income per
Share
Share (Diluted)
¥

36.99
79.78

¥

―
―

(Note) 1. On October 19, 2013, the Company split its common stock at a ratio of 100 shares to one common share. Therefore, net income
per share has been calculated assuming that the stock split was made at the beginning of the year ended March 31,2014.
2. Since net income available to common shareholders does not decrease as a result of dilution, diluted net income per share ended
December 31, 2014 is not shown.
Listed on the First Section of the Tokyo Stock Exchange on December 19, 2013, diluted net income per share is calculated by deeming
the average closing price in the period from the listing to the end of third quarter as the average market price for the first nine months o
FY2013. As a result of dilution, net income available to common shareholders does not decrease , so diluted net income per share for thethird quarter, ended December 31, 2013, is not shown.

(2)Consolidated Financial Conditions
Third quarter
Ended December 31, 2014
Fiscal year 2013

(Reference) Capital assets

Total Assets

Net Assets¥Million¥Million

5,945,379
5,612,355

Third quarter of FY2014: ¥277,458million

Capital Assets to
Total Assets％

277,458
241,135

4.6
4.2

Fiscal year 2013: ¥241,135 million(Note) 1.“Capital assets to total assets” represents (“Net assets”-“Subscription rights to shares”-“Minority interests”)/ “Total assets” at fiscal year-end.

2. Cash Dividends for Shareholders
End of 1Q

Fiscal year
Ended March 31, 2014
Ending March 31, 2015

Ending March 31, 2015(Forecast)――¥

Cash Dividends per Share
End of 2Q

End of 3Q

¥

0.00
4.50

―
―

End of FY¥

Annual

¥

¥

4.50

9.00

4.00

(Note) Revisions of released cash dividend forecasts : No

4.00

3. Consolidated Earnings Forecasts for Fiscal year 2014, ending March 31, 2015(%: Changes from corresponding period of previous fiscal year)
Net Income
Ordinary Income
Ordinary Profit

Fiscal YearEnding March 3１, 2015

¥Million

96,000％(11.1)¥Million(Note) Revisions of released consolidated earnings forecasts : No

21,000％(25.7)¥Million

17,000Net Income per Share％¥(30.0)

51.01

*Notes(1) Material changes in consolidated subsidiaries during the period (changes in specific subsidiaries
accompanied by changes in scope of consolidation): No(2) Changes in accounting principles, accounting estimates and restatement① Changes in accounting principles in accordance with changes in accounting standard, etc.: Yes② Other changes in accounting principles: No③ Changes in accounting estimates: No④ Restatement: No(3) Number of issued shares (common stock)① Number of issued shares (including treasury stock):
December 31, 2014 333,250,000 shares
March 31, 2014
333,250,000 shares② Number of treasury stock:
December 31, 2014―
sharesMarch 31, 2014―
shares
③ Average number of shares:
For the nine months ended December 31, 2014
333,250,000shares
For the nine months ended December 31, 2013
272,800,000shares(Note) The company split its common stock at a ratio of 100 shares to one common share on October 19, 2013, but the total sharesin issue are calculated assuming that the split had occurred at the beginning of the fiscal year ended March 31, 2014.

Statement relating to the status of the audit procedures
Even though this quarterly report is not subject to the audit procedures, which are based on the Financial
Instruments and Exchange Law, the audit procedures are finished at the time of release of these financial
statements.
Explanation for proper use of forecasts and other notes
The above forecasts are based on information, which is presently available and certain assumptions which areconsidered to be reasonable. Actual results may differ from those forecasts depending on various future factors.

Financial Results for the Third Quarter of Fiscal Year 2014, Ending March 31, 2015--------------------------------- Contents ---------------------------------Ⅰ Quarterly Consolidated Financial Information
1. Quarterly Consolidated Balance Sheet・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 1
2. Quarterly Consolidated Statement of Income and Consolidated Statement of Comprehensive Income・・・ 2
3. Note for the Assumption of Going Concern・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

3

4. Note for Material Changes in Shareholders' Equity・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

3

Ⅱ Financial Data for the Third Quarter of Fiscal Year 2014 ending March 31, 2015
1. Income Status 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】・・・・・・・・・・・・・・・・・・・・

4

2. Income Status 【Ashikaga Holdings Co., Ltd (Consolidated basis)】・・・・・・・・・・・・・・・・・・・・・・ 4
3. Gains and Losses on Securities・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 5
4. Disclosed Claims under the Financial Revitalization Law・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 5
5. Capital Adequacy Ratio (Domestic Standard) ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

5

6. Unrealized Valuation Gains (Losses) on Other Securities (available-for-sale securities)・・・ 6
7. Status of Loans, Deposits and Assets under custody・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 7

Ⅰ Quarterly Consolidated Financial Information
1. Quarterly Consolidated Balance Sheet 【Ashikaga Holdings Co., Ltd.】(Millions of yen）

Item

(Japanese)

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Asset for retirement benefits
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Borrowed money
Foreign Exchanges
Other liabilities
Provision for directors' bonuses
Liabilities for retirement benefits
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for contingent loss
Provision for point card certificatesDeferred tax liabilities
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Total shareholders’ equity
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Defined retirement benefit plan
Total accumulated other comprehensive income
Total equity
Total liabilities and equity(Note) Figures are rounded down to the nearest million.

(資産の部)
現金
預
け金
コールローン及び買入手形
買
入
金
銭
債
権
商
品
有
価
証
券
有
価
証
券
貸
出
金
外
国
為
替
そ
の
他
資
産
有
形
固
定
資
産
無
形
固
定
資
産
退 職 給 付 に 係 る 資 産
繰
延
税
金
資
産
支
払
承
諾
見
返
貸
倒
引
当
金
資
産
の
部
合
計
(負債の部)
預
金
譲
渡
性
預
金
コールマネー及び売渡手形
債券貸借取引受入担保金
借
用
金
外
国
為
替
そ
の
他
負
債
役 員 賞 与 引 当 金
退 職 給 付 に 係 る 負 債
役 員 退 職 慰 労 引 当 金
睡眠預金払戻損失引当金
偶 発 損 失 引 当 金
ポ イ ン ト 引 当 金
繰
延
税
金
負
債
支
払
承
諾
負
債
の
部
合
計
(純資産の部)
資
本
金
資
本
剰
余
金
利
益
剰
余
金
株
主
資
本
合
計
その他有価証券評価差額金
繰 延 ヘ ッ ジ 損 益
退職給付に係る調整累計額
その他の包括利益累計額合計
純 資 産 の 部 合 計
負債及び純資産の部合計－1－

As of March 31, As of December
2014
31, 2014

344,369
1,520
8,180
4,266
1,176,469
3,958,083
5,969
20,307
23,37893,141
3,357
2,027
15,333(44,051)
5,612,355

346,560
145,548
7,891
4,176
1,222,656
4,090,139
7,182
26,433
23,84487,5699,606
129
15,148(41,507)5,945,379

4,943,137
171,040
6,175
5,965
180,644763
43,022
48
2,779
189
1,606
424
88
－
15,333
5,371,220

5,031,710
264,290
15,786
84,159192,590427
51,257
36
－
244
765
450
74
10,97915,1485,667,920

117,495
29,02575,375
221,896
20,230(30)(960)
19,239241,135
5,612,355

117,495
29,02589,726236,247
42,538(790)(536)
41,211
277,458
5,945,379

2. Quarterly Consolidated Statement of Income and Consolidated Statements ofComprehensive Income 【Ashikaga Holdings Co., Ltd.】(1)Quarterly Consolidated Statement of Income
Item(Millions of yen）

(Japanese)

Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other business expenses
General and administrative expenses
Other operating expenses
Ordinary profit
Extraordinary income
Gains on disposal of non-current assets
Extraordinary losses
Losses on disposal of non-current assets
Impairment loss
Extra retirement payments
Income before income taxes and minority interests
Income taxes-current
Income taxes-deferred
Total income taxes
Income before minority interests
Net income

経
常
収
益
資
金
運
用
収
益
貸
出
金
利
息
有 価 証 券 利 息 配 当 金役 務 取 引 等 収 益
そ の 他 業 務 収 益
そ の 他 経 常 収 益
経
常
費
用
資
金
調
達
費
用
預
金
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
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
割
増
退
職
金
税金等調整前四半期純利益
法人税、住民税及び事業税
法 人 税 等 調 整 額
法
人
税
等
合
計
少数株主損益調整前当期純利益
四
半
期
純
利
益

For the ninemonths ended
Dec.31,2013

82,68552,68843,427
8,898
15,704
3,250
11,04159,096
3,623
1,916
4,400
1,428
43,526
6,119
23,588
0
0
281
21
16
243
23,307
1,946(1,242)704
22,60322,603For the ninemonths ended
Dec.31,2014

73,05453,50642,883
10,085
16,373
1,093
2,080
53,730
3,648
1,774
4,680
84
42,718
2,598
5,654
16
16
19
19
－
－
19,3208,675(1,682)
6,992
12,32812,328(Note) Figures are rounded down to the nearest million.

(2)Quarterly Consolidated Statement of Comprehensive Income
Item(Japanese)

Income before minority interests
Other comprehensive income
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Defined retirement benefit plan
Comprehensive income

少数株主損益調整前四半期純利益

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
退 職 給 付 に 係 る 調 整 額
四 半 期 包 括 利 益

Comprehensive income attributable to owners of the parent 親会社株主に係る四半期包括利益
Comprehensive income attributable to minority interests
少数株主に係る四半期包括利益(Note) Figures are rounded down to the nearest million.

－2－(Millions of yen）
For the ninemonths ended
Dec.31,2013

22,603
(188)
(649)
460
－
22,41522,415－For the ninemonths ended
Dec.31,2014

12,32821,972
22,308(759)
423
34,30034,300－3. Note for the Assumption of Going Concern
Not applicable.

4. Note for Material Changes in Shareholders' Equity(Millions of yen）
Shareholders’ equity

Capital stock Capital surplus

Retainedearnings

Total
shareholders’equity

株主資本
資本
剰余金

資本金

利益
剰余金

株主資本
合計

Balance at the beginning of current
period当高117,495

29,02575,375

221,896

Cumulative effect of an accountingchanges

会計方針の変更による累積
的
影
響
額

－

－

4,855

4,855

Balance at the beginning of current
period reflected accounting changes

会計方針の変更を反映した
当
期
首
残
高

117,495

29,02580,230226,751

Changes of items during the period

当第3四半期連結会計期間末までの変動額（累計）期残Cash dividends

剰
配

の
当

－

－

(2,832)(2,832)

Net income

四半期純利益（累計）－－12,32812,328

Total changes of items during current 当第3四半期連結会計期間末までの変動額（累計）合計
period

－

－

9,495

9,495

当第3四半期連結会計期間
末残高117,495

29,02589,726236,247

Balance at the end of current period

余

首

金

－3－

Ⅱ Financial Data for the Third Quarter of Fiscal Year 2014 ending March 31, 2015
1. Income Status 【The Ashikaga Bank, Ltd. (Non-consolidated basis) 】(Millions of yen）

3rd quarterof FY2014(Japanese)② うち不良債権処理額②③ うち貸倒引当金戻入益③④ うち償却債権取立益④
経
常
利
益
特
別
損
益
税引前四半期（当期）純利益
法人税、 住民税及び事業税
法 人 税 等 調 整 額
四半 期（ 当期 ） 純 利益

(A)60,64549,055
10,711878
486
36,211
19,375
14,911
1,924
23,947
24,434－24,434
(75)
462
1,318
59
471
24,358024,358
8,325(1,957)
17,990(A)-(B)
311
793
322
(804)
(887)
(694)
(259)
(439)
4
1,892
1,005
(1,876)2,881(7,452)(9,390)(1,941)59(796)(4,571)296(4,274)
6,768(505)(10,537)

与信関係費用 （①＋②-③-④）

787(3,080)Gross business profit
Net interest income
Net fees and commissions
Net other business income( Gains (losses) on bonds )Expenses
Personnel expenses
Non-personnel expenses
Taxes
Core net business income

業
資Credit related costs (①＋②－③－④)

利益
益(うち国債等債券損益)経費(除く臨時処理分)
人

件

費

物

件

費

税

金

コ

ア

業

務

純

益

実

質

業

務

純

益

① 一般貸倒引当金繰入額①

Net business income (after general allowance for loan losses)

Ordinary profit
Extraordinary income(loss)
Income before income taxes
Income taxes-current
Income taxes-deferred
Net Income

金利

そ の 他 業 務 利 益

Net transfer to general allowance for loan losses

Disposal of non-performing loans
Reversal of allowance for loan losses
Recoveries of written-off claims

粗役 務 取 引 等 利 益

Net business income (before general allowance for loan losses)

Net non-recurrent gains (losses)
Gains (losses) on stocks

務

業

務

純

益

臨

時

損

益

う ち 株 式 関 係 損 益

3rd quarter (Reference)of FY2013
FY2013(B)
60,334
48,261
10,3891,682
1,373
36,905
19,634
15,3501,919
22,05523,4291,876
21,553
7,376
9,852
3,260
－
1,267
28,929(296)
28,633
1,556(1,451)
28,52879,99063,85814,3481,783
1,379
48,97826,672
20,114
2,191
29,63131,011
3,697
27,314
8,110
12,333
5,330
－
1,623
35,425(423)
35,002
2,158
663
32,180

3,868

7,404

(Note) Core net business income = Net business income (before general allowances for loan losses) －Gains (losses) on bonds

2. Income Status 【Ashikaga Holdings Co., Ltd. (Consolidated basis) 】(Millions of yen）

3rd quarterof FY2014(Japanese)

Consolidated gross profit
Net interest income
Net fees and commissions
Net other business income
General and administrative expenses
Write-off and reserve expenses of loans
Reversal of allowance for loan losses
Recovery of written off claims

Gains (losses) on stocks
OthersOrdinary profit
Extraordinary income(losses)
Income before income taxes
Income taxes-current
Income taxes-deferred
Income before minority interests
Net Income

連
資

結

粗

金

利
利

益
益

役 務 取 引 等 利 益
そ の 他 業 務 利 益
営

業

経

費

① 貸 倒 償 却 引 当 費 用 ①② 貸 倒 引 当 金 戻 入 益 ②③ 償 却 債 権 取 立 益 ③
株 式 等 関 係 損 益
そ

の

他

経

常

利

益

特

別

損

益

税金等調整前四半期（当期）純利益

法人税、 住民税及び事業税
法 人 税 等 調 整 額
少数株主損益調整前四半期（当期）純利益

四半 期（ 当期 ） 純 利益

(A)62,56049,858
11,693
1,009
42,718
2,347
－
475
462
890
19,323(3)
19,3208,675(1,682)
12,32812,328(A)-(B)
367
792
389
(813)
(807)
(3,356)－(798)(8,753)754(4,264)277(3,987)6,728(440)(10,275)(10,275)

3rd quarter (Forecast) (Reference)of FY2013
FY2014FY2013(B)
62,19249,065
11,304
1,822
43,526
5,703
－
1,273
9,215
136
23,588(280)
23,307
1,946(1,242)
22,60322,603(Note) Consolidated gross business profit=(Interest income－Interest expenses)+(Fees and commissions income－Fees and commissions
expenses)+(Trading income－Trading expenses)+(Other business income－Other business expenses)(注)21,00017,00082,366
64,832
15,558
1,975
57,547
9,492
－
1,631
11,179133
28,271(349)
27,921
2,708
898
24,31424,314

連結粗利益＝（資金運用収益－資金調達費用）＋（役務取引等収益－役務取引等費用）＋（特定取引収益－特定取引費用）＋（その他業務収益－その他業務費用）

Credit related costs (①－②－③)

与信関係費用 （①-②-③）

－4－

1,871

(2,558)

4,430

7,860

3. Gains and Losses on Securities【The Ashikaga Bank, Ltd. (Non-consolidated basis)】(Millions of yen）

3rd quarterof FY2014(Japanese)
Gains (losses) on bonds（Government bonds, etc.）

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Write-offs

Gains (losses) on stocks, etc.
Gains on sales
Losses on sales
Write-offs(A)

国債等債券損益（5 勘定尻）
売

却

益

償

還

益

売

却

損

償

還

損

償

却

株式等損益（3勘定尻）
売

却

益

売

却

損

償

却

486
486
－
0
－
－

(A)-(B)(887)(2,213)－(1,326)
－
－

462
505
－
43

(9,390)(9,437)(89)
42

3rd quarter (Reference)of FY2013
FY2013

(B)
1,373
2,699
－
1,326
－
－

1,379
2,706
－
1,326
－
－

9,852
9,942
89
0

12,333
12,42489
0

4. Disclosed Claims under the Financial Revitalization Law【The Ashikaga Bank, Ltd. (Non-consolidated basis)】(Billions of yen）
As of Dec.
31, 2014(Japanese)

Bankrupt and substantially bankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal(A)
Normal claims
Total
(B)

Ratio of disclosed claims under the Financial
Revitalization Law (A)÷(B)(A)

合 計 (B)

6.5
73.2
21.1
100.8
4,098.6
4,199.5

(A-B)
(1.8)
1.5
(3.6)
(3.9)
83.3
79.4

金融再生法開示債権比率 （A)÷(B)

2.40%(0.14%)

破産更生債権及びこれらに準ずる債権
危険債権
要管理債権
小 計 (A)
正常債権

As of Sept.
30, 2014

(B)

8.3
71.6
24.8
104.8
4,015.2
4,120.1
2.54%

5. Capital Adequacy Ratio (Domestic Standard)(Billions of yen）

【Ashikaga Holdings Co., Ltd.(Consolidated basis)】
As of Dec.
31, 2014(Japanese)

Capital adequacy ratio ( ③÷④ )Basic Core capital ①
Adjustment Core capital ②
Capital ③ ( ①－② )Total risk weighted assets ④
Minimum capital requirements ( ④×4％)

自
己
資
本
比
コ ア 資 本 に 係 る 基 礎 項
コ ア 資 本 に 係 る 調 整 項
自
己
資
本
の
リ ス ク ・ ア セ ッ ト 等 の
総 所 要 自 己 資 本 の

率
目
目
額
額
額

【The Ashikaga Bank, Ltd.(Non-Consolidated basis)】(A-B)(0.16%)
3.8
(1.5)
5.4
112.2
4.4

(B)
8.82%
332.0
85.2
246.7
2,796.5
111.8(Billions of yen）
As of Dec.
31, 2014(Japanese)

Capital adequacy ratio ( ③÷④ )Basic Core capital ①
Adjustment Core capital ②
Capital ③ ( ①－② )Total risk weighted assets ④
Minimum capital requirements ( ④×4％)

(A)
8.66%
335.9
83.7
252.1
2,908.8
116.3

As of Sept.
30, 2014

自己資
本比コ ア 資 本 に 係 る 基 礎 項
コ ア 資 本 に 係 る 調 整 項
自
己
資
本
の
リ ス ク ・ ア セ ッ ト 等 の
総 所 要 自 己 資 本 の

－5－

率
目
目
額
額
額

(A)
8.93%
262.9
－
262.9
2,944.5
117.7

(A-B)
(0.14%)
5.9
－
5.9
112.1
4.4

As of Sept.
30, 2014

(B)
9.07%
257.0
－
257.0
2,832.4
113.2

6. Unrealized Valuation Gains (Losses) on Other Securities (available-for-sale securities)【Ashikaga Holdings Co., Ltd. (Consolidated basis)】(Billions of yen）

As of Dec. 31, 2014
As of Sept. 30, 2014
Unrealized valuation gains
Unrealized valuation gains
Book
Book
(losses)(losses)
value
value
Gains Losses
Gains Losses

Other Securities(available-for-sale)
Stocks
Bonds
Others

その他有価証券

1,123.6

63.8

65.6

1.7

株式
債券
その他

53.8
797.2
272.5

31.9

32.7

19.1

19.3

12.8

13.5

1,103.3

41.5

43.0

1.5

0.8

46.3

24.4

25.4

1.0

0.1

823.7

11.2

11.4

0.2

0.7

233.2

5.8

6.1

0.3

8.7

8.7 －

(Note) Unrealized valuation gains (losses) are the difference between book value and the acquisition cost.
Held-to-maturity

満期保有目的96.7

10.7

10.7 －

97.7【The Ashikaga Bank, Ltd. (Non-consolidated basis)】(Billions of yen）

As of Dec. 31, 2014
As of Sept. 30, 2014
Unrealized valuation gains
Unrealized valuation gains
Book
Book
(losses)(losses)
value
value
Gains Losses
Gains Losses

Other Securities(available-for-sale)
Stocks
Bonds
Others

その他有価証券

1,123.5

67.4

68.4

0.9

株式
債券
その他

53.7
797.2
272.5

35.5

35.5

19.1

19.3

12.8

13.5

1,103.2

45.1

45.7

0.5

0.0

46.2

28.0

28.0

0.0

0.1

823.7

11.2

11.4

0.2

0.7

233.2

5.8

6.1

0.3

(Note) Unrealized valuation gains (losses) are the difference between book value and the acquisition cost.
Unrealized valuation gains (losses) on held-to-maturity securities are same amount as Ashikaga Holdings Co.,Ltd.(consolidated
basis).

－6－

7. Status of Loans, Deposits and Assets under custody【The Ashikaga Bank, Ltd. (Non-consolidated basis) 】(1) Outstanding Balance of loans(Billions of yen）
As of Dec. 31,
2014(Japanese)
貸 出 金 （ 末 残 ）Loans (Term-end balance)
Government / Local government う ち 国 ・ 地 公 体 向 け
う ち 消 費 者 ロ ー ン
Consumer loans
住宅ローン
Housing loans
その他ローン
Other loans(A)
4,134.1
490.8
1,548.7
1,512.5
36.1

(A-B)
201.5
18.7
129.1
124.7
4.3

As of Dec. 31, As of Sept.
2013
30, 2014(B)
3,932.5472.0
1,419.5
1,387.8
31.7(2) Loans to small-and-medium-sized enterprises(Billions of yen）
As of Dec. 31,
2014(Japanese)

Loans to small and medium-sizedenterprises (Term-end balance)
Ratio of small and medium-sizedenterprises loans

4,057.7
480.4
1,515.7
1,480.9
34.7

(A)

(A-B)

As of Dec. 31, As of Sept.
2013
30, 2014(B)

中小企業等貸出金（末残）2,987.0

188.7

2,798.2

2,927.4

中小企業等貸出金比率（％）

72.25%

1.10%

71.15%

72.14%(3) Outstanding Balance of Deposits(Billions of yen）
As of Dec. 31,
2014(Japanese)

Deposits (Term-end balance)
Individual customers
Corporate
Public sector
Negotiable Certificate of Deposit

預

金

（

末

残

）

う

ち

個

人

預

金

う

ち

法

人

預

金

う ち 地 公 体 預 金
譲

渡

性

預

金

(A)
5,051.3
3,608.3
1,184.6
222.2
319.2

(A-B)
152.4
125.6
31.2
(0.8)
45.3

As of Dec. 31, As of Sept.
2013
30, 2014(B)
4,898.8
3,482.6
1,153.3
223.1
273.9

4,916.8
3,475.1
1,169.8
228.8
274.8

(4) Outstanding Balance of Assets under custody(Billions of yen）
As of Dec. 31,
2014(Japanese)

Assets under custody
Investment trusts
Public bonds
Insurance ※

個

人

預

り

資

産

投 資 信 託債券（約定ベース）
保 険

※

(A)
702.5
319.0
102.8
280.7

(A-B)
8.6
46.5
(50.2)
12.4

As of Dec. 31, As of Sept.
2013
30, 2014(Note) Insurance = personal annuity insurance + whole life insurance + educational endowment insurance

－7－

(B)
693.9
272.5
153.1
268.3

710.0
304.1
125.8
279.9