August 5, 2016

SURUGA bank, Ltd.
Consolidated financial results for the three months ended June 30, 2016
<under Japanese GAAP>
Stock exchange listings: Tokyo (code: 8358)
URL:
http://www.surugabank.co.jp
Representative:
President Akihiro Yoneyama(Amounts and percentages are respectively rounded down to the nearest million yen and first decimal places.)

1. Consolidated financial results for the three months ended June 30, 2016
(1) Consolidated operating results(％ represents the change from the corresponding period of the previous fiscal year)
Ordinary income

Profit attributableto owners of parent

Ordinary profit

Three months ended
Millions of yen％
Millions of yen％
June 30, 2016
34,882(0.9)
13,110(10.9)
June 30, 2015
35,21415.3
14,72328.7(Note) Comprehensive income: (a) Three months ended June 30, 2016: \4,326 million [(56.9)%](b) Three months ended June 30, 2015: \10,050 million [19.1%]
Net income per share
Three months ended
June 30, 2016
June 30, 2015

Millions of yen

％

8,901
9,721

(8.4)
40.1

Net income per share (diluted)
yen

yen

38.45
40.96

38.43
40.92

(2) Consolidated financial position
Total assets

Total net assets

Own capital ratio

As ofMillions of yen
Millions of yen
June 30, 2016
4,418,059
304,171
March 31, 2016
4,390,146
302,237(Reference) Own capital: (a) As of June 30, 2016: \301,932 million(b) As of March 31, 2016: \300,031 million

％

6.8
6.8

(Note) Own capital ratio = {(Total net assets - Subscription rights to shares - Non-controlling interests) / Total assets} × 100
This ratio is not calculated based on the “Capital Adequacy Ratio Notification”.

2. Dividends on common stock
Annual cash dividends per share
2 quarter-end 3rd quarter-end Fiscal year-end

stnd

1 quarter-end
Fiscal year
yen
yen
ended March 31, 2016―
9.50
ending March 31, 2017―
ending March 31, 2017 (forecast)
10.00(Note) Revisions to dividends forecasts from the latest announcement: No

yen

yen

Total
yen

―

10.50

20.00

―

10.00

20.00

3. Consolidated earnings forecasts for the fiscal year ending March 31, 2017(％ represents the change from the corresponding period of the previous fiscal year)

Ordinary income
Millions of yen

Profit attributableto owners of parent

Ordinary profit％

Millions of yen

Six months ending Sep. 30, 2016
69,000(0.6)
26,400Fiscal year ending Mar. 31, 2017
141,000
1.1
56,500(Note) Revisions to earnings forecasts from the latest announcement: No

％

(8.8)
0.1

Millions of yen

17,60037,200

％

(7.3)
1.3

Net income
per share
yen

76.01
160.67

※Notes(1) Changes in significant subsidiaries during the period (changes in specified subsidiaries which caused changes in the scope of
consolidation): No(2) Adoption of specific accounting methods for preparing quarterly consolidated financial statements: Yes
Note: For details, please refer to “(1) Adoption of particular accounting methods for preparing quarterly consolidated financial statements”
in the section “2. Items regarding summary information (Notes)” on page 3 of the appendix.

(3) Changes in accounting policies, changes in accounting estimates and restatements.
① Changes in accounting policies due to revision of accounting standards: No② Changes in accounting policies due to reasons other than ①: No③ Changes in accounting estimates: No④ Restatements: No(4) Number of issued shares (common stock)① Number of issued shares
As of June 30, 2016
(including treasury shares):232,139,248 shares

As of Mar. 31, 2016

232,139,248 shares② Number of treasury shares:

As of June 30, 2016

617,313 shares

As of Mar. 31, 2016

659,080 shares③ Average number of shares

Three months ended
June 30, 2016

231,503,943 shares

Three months ended
June 30, 2015

237,317,877 shares（Indication regarding implementation status of quarterly review procedure）
This report is outside the scope of the external auditor’s quarterly review procedure which is required by the “Financial Instruments andExchange Act”. Therefore, the review procedure of quarterly financial statements has not been completed at the time of disclosure of thisreport.

(Explanation on appropriate use of earnings forecasts and other notes)
The performance forecasts and other forward-looking statements in this report are based on information currently available to the company
and on certain assumptions deemed to be reasonable, and are not intended to guarantee future performance. Actual performance may differ
materially depending on various factors.

SURUGA bank, Ltd.

【Appendix】○ Contents of Appendix
１．Qualitative information on quarterly financial results .....................................................................................2(1) Explanation on operating results......................................................................................................................2(2) Explanation on financial position ......................................................................................................................2(3) Explanation on forecast information such as earnings forecasts, etc. ..........................................2
２． Items regarding summary information (Notes).................................................................................................3(1) Adoption of specific accounting methods for preparing quarterly consolidated
financial statements ...............................................................................................................................................3(2) Changes in accounting policies, changes in accounting estimates and restatements ...........3(3) Additional information ...........................................................................................................................................3
３． Quarterly consolidated financial statements ....................................................................................................4(1) Quarterly consolidated balance sheets ........................................................................................................4(2) Quarterly consolidated statements of income andQuarterly consolidated statements of comprehensive income .........................................................5(3) Notes on going-concern assumption.............................................................................................................7(4) Notes for material changes in shareholders’ equity ..............................................................................7(5) Significant subsequent events ..........................................................................................................................7※Supplementary Information (for the three months ended June 30, 2016) .............................................8－1－

SURUGA bank, Ltd.

１．Qualitative information on quarterly financial results(1) Explanation on operating results
As for the consolidated operating results for the three months ended June 30, 2016, ordinary
income decreased by ¥0.332 billion compared with the corresponding period of the previous
fiscal year, to ¥34.882 billion. This was mainly due to a decrease in interest income, reflecting
a decrease in interest and dividends on securities and despite an increase in interest on loans
and discounts. Ordinary expenses increased by \1.281 billion compared with the corresponding
period of the previous fiscal year, to ¥21.772 billion, mainly due to an increase in general andadministrative expenses and other expenses.
As a result, ordinary profit decreased by \1.613 billion compared with the corresponding
period of the previous fiscal year, to \13.110 billion.
Profit attributable to owners of parent decreased by \0.820 billion compared with thecorresponding period of the previous fiscal year, to \8.901 billion.

(2) Explanation on financial position
The balance of deposits as of June 30, 2016 was \4,081.214 billion, up by \31.720 billion fromMarch 31, 2016, mainly due to an increase in individual deposits of \37.090 billion.
The balance of loans and bills discounted as of June 30, 2016 was ¥3,133.307 billion, downby \3.857 billion from March 31, 2016, despite an increase in consumer loans(non-consolidated) of \27.950 billion.
The balance of securities holdings as of June 30, 2016 was ¥229.353 billion, down by \0.725
billion from March 31, 2016.

(3) Explanation on forecast information such as earnings forecasts, etc.
There are no revisions to the earnings forecasts for the fiscal year ending March 31, 2017from the figures announced on May 12, 2016.
(Consolidated)
For the six months
ending Sep. 30, 2016
(forecast)
69.0
26.4

(Billions of yen)
For the fiscal year
ending Mar. 31, 2017
(forecast)
141.0
56.5

17.6

37.2

Ordinary income
Net operating profit
Ordinary profit
Net income

For the six months
ending Sep. 30, 2016
(forecast)
63.5
28.5
26.0
17.5

(Billions of yen)
For the fiscal year
ending Mar. 31, 2017
(forecast)
130.0
60.5
55.0
37.0

Actual credit costs

2.3

4.5

Ordinary income
Ordinary profit
Profit attributable toowners of parent(Non-consolidated)(Note) The performance forecasts and other forward-looking statements in this report are based on information
currently available to the company and on certain assumptions deemed to be reasonable, and are notintended to guarantee future performance. Actual performance may differ materially depending on various
factors.

－2－

SURUGA bank, Ltd.

2. Items regarding summary information (Notes)(1) Adoption of specific accounting methods for preparing quarterly consolidated financial statements(Calculation of income taxes)
Income taxes reported by the company and its subsidiaries are calculated by multiplying
income before income taxes for the three months ended June 30, 2016 with the reasonably
estimated effective tax rate after applying tax effect accounting to income before income
taxes for the fiscal year ending March 31, 2017, including the current first quarter.

(2) Changes in accounting policies, changes in accounting estimates and restatements
Not applicable.

(3) Additional information
Effective from the first quarter of the fiscal year ending March 31, 2017, the company has
applied “Implementation Guidance on Recoverability of Deferred Tax Assets” (AccountingStandards Board of Japan “ASBJ” Guidance No.26, March 28, 2016).

－3－

SURUGA bank, Ltd.

3. Quarterly consolidated financial statements(1) Quartrly consolidated balance sheets（Millions of yen）
As of
March 31, 2016
AssetsCash and due from banks
Call loans and bills bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchanges
Lease receivables and investment assets
Other assets
Tangible fixed assets
Intangible fixed assets
Net defined benefit asset
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total assets
Liabilities
Deposits
Borrowed money
Foreign exchanges
Other liabilities
Provision for bonuses
Provision for directors' bonuses
Net defined benefit liability
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for contingent loss
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net assets
Capital stock
Capital surplus
Retained earnings
Treasury shares
Total shareholders' equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Subscription rights to shares
Non-controlling interests
Total net assets
Total liabilities and net assets

－4－

As of
June 30, 2016

897,074
3,006
50
1,046
230,078
3,137,164
3,534
5,531
43,19650,84930,007
5,276
2,120
3,476
(22,265)
4,390,146

928,391
2,964
67
1,063
229,353
3,133,307
2,637
5,551
43,22651,48429,708
5,502
4,045
3,318
(22,564)
4,418,059

4,049,494
2,085
13
27,653
716
153
258
3,248
276
262
271
3,476
4,087,908

4,081,214
1,915
16
23,219
22
―
265
3,156
256
266
236
3,318
4,113,888

30,043―
253,182(750)
282,475
16,121(83)
1,517
17,55661
2,144
302,237
4,390,146

30,043
3259,653(703)
288,997
11,521(45)
1,458
12,93448
2,191
304,1714,418,059

SURUGA bank, Ltd.

(2) Quarterly consolidated statements of income andQuarterly consolidated statements of comprehensive income
Quarterly consolidated statements of income（Millions of yen）

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 ordinary expenses
General and administrative expenses
Other expenses
Ordinary profit
Extraordinary income
Gain on disposal of non-current assets
Extraordinary losses
Loss on disposal of non-current assets
Profit before income taxes
Income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of parent－5－

For the three months
ended June 30, 2015

For the three months
ended June 30, 2016

35,21430,36927,351
2,745
3,146
1,246
451
20,491
1,086
1,058
3,913
908
12,3472,234
14,7237
7
192
192
14,538
4,798
9,739
17
9,721

34,88230,172
29,421
507
3,319
954
436
21,772
1,095
1,056
3,652
999
13,3302,694
13,1102
2
84
84
13,027
4,053
8,974
72
8,901

SURUGA bank, Ltd.

Quarterly consolidated statements of comprehensive income（Millions of yen）

ProfitOther comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Remeasurements of defined benefit plans, net of tax
Total other comprehensive income
Comprehensive income
Comprehensive income attributable toComprehensive income attributable to owners of parent
Comprehensive income attributable to non-controlling interests－6－

For the three months
ended June 30, 2015

For the three months
ended June 30, 2016

9,739

8,974

405
51
(145)
311
10,050(4,626)37(59)(4,647)
4,326

10,014
36

4,280
46

SURUGA bank, Ltd.

(3) Notes on going-concern assumption
Not applicable.

(4) Notes for material changes in shareholders’ equity
Not applicable.

(5) Significant subsequent events(Partial changes to the retirement benefit plan)
On July 1, 2016, a labor-management agreement was reached regarding the partial shift from a defined benefit
corporate pension plan to a defined contribution pension plan and the lowering of the benefit interest rate assumption
planned for October 1, 2016.
The accounting treatments set forth in “Guidance for Accounting Standard for Transfer between Retirement
Benefit Plans” (Accounting Standards Board of Japan (“ASBJ”) Guidance No.1, January 31, 2002) and “Practical
Solution on Accounting for Transfer between Retirement Benefit Plans” (ASBJ Practical Issue Task Force (“PITF”)
No.2, revised February 7, 2007) will be applied regarding these changes.
The financial impact is currently being reviewed.

－7－

SURUGA bank, Ltd.

Supplementary Information(for the three months ended June 30, 2016)（１）Summary of income (Non-consolidated)

Gross operating profit
Net interest income
Net fees and commissions income
Net other operating income(Gains (losses) on bonds)
Core gross operating profit (Note1)
Expenses
Personnel expenses
Non-personnel expenses
Core net operating profit (Note2)
Provision for general allowance forloan losses (Note3)
Net operating profit

For the three months ended
June 30, 2016
June 30, 2015
(A)
(B)
26,54327,12627,34827,919(684)(1,004)
(120)
210
（
(139)
189
26,682
26,937
12,376
11,741
4,804
4,615
6,290
5,987
14,30615,195(A) – (B)
(583)
(571)
320
(330)
(328)）
(255)
635
189
303
(889)

(Millions of yen)
For the fiscal
year ended
Mar. 31, 2016（

105,332
107,568(2,947)712
637）
104,695
45,92918,32524,212
58,765

(74)

(19)

(55)

―

14,241

15,404(1,163)59,403

Non-recurring gains (losses)
Gains (losses) on stocks(1,458)
(61)

(987)
138

(471)
(199)

(4,969)182

Ordinary profit

12,782

14,416(1,634)54,432Extraordinary gains (losses)
Income before income taxes
Income taxes (Note4)(80)
12,702
3,899(181)
14,235
4,683

101(1,533)
(784)

(461)
53,97018,163

Net income

8,803

9,552

(749)

35,807(Millions of yen)

Net credit costs (Note5)
Provision for general allowance forloan losses (Note3)
Disposal of non-performing loans
Reversal of allowance for loan
losses (Note3)
Recoveries of written-off claims
Actual credit costs (Note6)

1,612

1,406

206

5,029

(74)

(19)

(55)

―

1,687

1,426

261

5,713

―

―

―

684

300
1,312

112
1,294

188
18

618
4,411

(Note1） Core gross operating profit = Gross operating profit - Gains (losses) on bonds(Note2） Core net operating profit = Net operating profit + Provision for general allowance for loan losses - Gains(losses) on bonds(Note3） For the fiscal year ended March 31, 2016, the total amount of reversal of general allowance for loan
losses and reversal of specific allowance for loan losses is recorded in reversal of allowance for loan
losses, given that both allowances were reversed during the period.
(Note4） Income taxes for the fiscal year ended March 31, 2016 are the amount of total income taxes.
(Note5） Net credit costs = Provision for general allowance for loan losses + Disposal of non-performing loans Reversal of allowance for loan losses(Note6） Actual credit costs = Net credit costs - Recoveries of written-off claims－8－

SURUGA bank, Ltd.

（２）Disclosure by classification based on the Financial Reconstruction Law (Non-consolidated)
As ofJune 30, 2016 June 30, 2015

(Millions of yen)
As ofMar. 31, 2016

Claims against bankrupt and substantiallybankrupt obligors

7,529

7,921

7,144

Claims with collection risk

15,051

17,80915,914Claims for special attention

13,347

19,067

14,989Total （Disclosed amount based on the
Financial Reconstruction Law）

35,92844,79938,047

The ratio of disclosed amount to total claims（Non-performing loan ratio）

1.13 %

1.48%

1.20%

(Note1) Total claims = Loans and bills discounted + foreign exchanges + accrued interest + customers’ liabilities
for acceptances and guarantees + securities lent + suspense payment + privately-placed bonds
underwritten and guaranteed by the company （”Claims for special attention” include only “loans andbills discounted”）(Note2) The figures presented in the above table are based on the classification pursuant to the Article 4 of“Ordinance for Enforcement of the Act on Emergency Measures for the Revitalization of Financial
Functions”.
(Note3) Relationship between classifications by obligors, etc.
・”Claims against bankrupt and substantially bankrupt obligors” correspond to those against “Effectively
bankrupt obligors” and “Bankrupt obligors” under self-assessment.
・”Claims with collection risk” correspond to those against “Potentially bankrupt obligors” underself-assessment.
・”Claims for special attention” correspond to those classified as “Loans past due 3 months or more” and“Restructured loans” the obligors of which claims are classified as “Obligors requiring caution” underself-assessment.

(3) Capital adequacy ratio (domestic standard)(Non-consolidated)

Capital adequacy ratio
Own capital (Core capital)
Core capital: instruments and reserves
Core capital: regulatory adjustments (-)
Risk-weighted assets
Total required capital

As ofJune 30, 2016 June 30, 201512.01%
12.08%
288,021276,847
296,569
280,941
8,548
4,093
2,396,562
2,291,107
95,862
91,644(Millions of yen)
As ofMar. 31, 201611.56%
279,243
287,803
8,559
2,415,107
96,604As ofJune 30, 2016 June 30, 201512.15%
12.20%
295,157
282,668
306,453
289,614
11,296
6,945
2,427,463
2,316,609
97,09892,664(Millions of yen)
As ofMar. 31, 201611.67%
286,042
297,390
11,3482,449,032
97,961(Consolidated)

Capital adequacy ratio
Own capital (Core capital)
Core capital: instruments and reserves
Core capital: regulatory adjustments (-)
Risk-weighted assets
Total required capital（Note） Total required capital = Risk-weighted assets × 4%

－9－

SURUGA bank, Ltd.

(4) Composition of own capital (domestic standard)(Millions of yen）
As of June. 30, 2016
Non-consolidated
Consolidated
Amounts
Amounts
excluded
excluded
under
under
transitionaltransitionalarrangements
arrangementsCore Capital: instruments and reserves(1)
Directly issued qualifying common stock or preferred stock mandatorily
convertible into common stock capital plus related capital surplus andretained earnings
Capital and capital surplus
Retained earnings
Treasury stock (-)
Earnings to be distributed (-)
Accumulated other comprehensive income included in Core Capital
Remeasurements of defined benefit plans
Subscription rights to acquire common stock or preferred stock mandatorily
convertible into common stock
Adjusted non-controlling interests (amount allowed to be included in Core
Capital)Reserves included in Core Capital: instruments and reserves
General reserve for possible loan losses
Eligible Non-cumulative perpetual preferred stock subject to transitionalarrangement included in Core Capital: instruments and reserves
Eligible capital instrument subject to transitional arrangement included inCore Capital: instruments and reserves
Capital instrument issued through the measures for strengthening capital by
public institutions included in Core Capital: instruments and reserves
45% of revaluation reserve for land included in Core Capital: instruments andreserves
Non-controlling interests included in Core Capital subject to transitionalarrangementsCore Capital: instruments and reserves①
Core Capital: regulatory adjustments(2)
Total intangible fixed assets (net of related tax liability, excluding thoserelating to mortgage servicing rights)
Goodwill (including those equivalent)
Other intangible fixed assets other than goodwill and mortgage servicing
rightsDeferred tax assets that rely on future profitability excluding those arisingfrom temporary differences (net of related tax liability)
Shortfall of eligible provisions to expected losses
Gain on sale related to sucuritisation transactions
Gains and losses due to changes in own credit risk on fair valued liabilities
Prepaid pension cost
Net defined benefit asset
Investments in own shares (excluding those reported in the Net Assets)
Reciprocal cross-holdings in relevant capital instruments issued by Other
Financial Institutions
Investments in the capital of banking, financial and insurance entities that areoutside the scope of regulatory consolidation ('Other Financial Institutions'),
net of eligible short positions, where the bank does not own more than 10% of
the issued share capital (amount above the 10% threshold)Amount exceeding the 10% threshold on specified items
Amount exceeding the 15% threshold on specified items
Core Capital: regulatory adjustments②
Total capital
Total capital(① - ②)③
Risk weighted assets(3)
Credit risk weighted assets
Total of items included in risk weighted assets subject to transitionalarrangements
Intangible fixed assets other than goodwill and mortgage servicing
rights (net of related tax liability)_
Deferred tax assets (net of related tax liability)
Prepaid pension cost _Net defined benefit asset
Amount equivalent to market risk × 12.5
Amount equivalent to operational risk × 12.5
Credit risk weighted assets adjustments
Amount equivalent to operational risk adjustments
Total amount of risk weighted assets④
Capital adequacy ratio (non-consolidated)
Capital adequacy ratio (non-consolidated)(③ / ④)
Capital adequacy ratio (consolidated)
Capital adequacy ratio (consolidated)(③ / ④)－ 10 －

284,398

288,997

48,632
236,468703―――

30,047
259,653
703
―
583
583

48

48

―

―

12,12312,123

15,071
15,071

―

―

―

―

―

―

―

―

―

1,752

296,569

306,453

7,584

11,376

9,753

11,571

―

―

2,039

―

7,584

11,376

7,714

11,571

―

―

―

―

―
7
―
954
―
1

―
―
―
1,432
―
―

―
7
―
―
1,534
1

―
―
―
―
2,301
―

―

―

―

―

―

―

―

―

―
―
8,548

―
―

―
―
11,296――

288,021295,157

2,202,860

2,205,150

22,80423,94816,322

16,601

4,427
2,054
―
―
193,701――
2,396,562

4,045
―
3,301
―
222,313――2,427,463

12.01%――

12.15%SURUGA bank, Ltd.

(5) Unrealized gains and losses on securities (Non-consolidated)(Millions of yen)
As of June 30, 2016

As of June 30, 2015

Fair
value

Unrealized gains (losses)

Other
securities

83,674

Stocks41,956

Gains

Losses15,556

18,943

3,386

16,37917,714

1,334

As of Mar. 31, 2016
LossesFair
value

Unrealized gains (losses)

Gains

74,143 31,345

31,513

168

74,18254,657 28,835

28,966130

47,610

Unrealized gains (losses)

Fair
value

Gains

Losses

22,02923,7481,719

22,034

22,343308

Bonds

21,957

171

171

0

3,945

35

38

3

6,163

85

87

1

Others

19,760

(994)

1,057

2,052

15,540

2,474

2,508

33

20,408

(90)

1,318

1,408

(Note1) Not having fair value, stocks of subsidiaries and affiliates are not included in the above table.
(Note2) Unrealized gains and losses represent the difference between fair value at the end of the period andacquisition cost.
(Note3) Unrealized gains and losses on held-to-maturity bonds are as follows.
(Millions of yen)
As of June 30, 2016
Book
value
Held-tomaturity
bonds

135,039

As of June 30, 2015

Unrealized gains (losses)
Gains
208

208

Losses

As of Mar. 31, 2016

Unrealized gains (losses)

Book
value

Gains

－ 145,121(50)

Losses17

Unrealized gains (losses)

Book
value

67 145,059

97

Gains

Losses1024(6) Individual deposit assets (Non-consolidated)(Millions of yen)

Individual deposit assets
Yen deposits
Investment products
Foreign currency
deposits
Public bonds
Mutual funds
Individual annuity
insurance
Single premium
whole life insurance
The ratio of investment
products to individual
deposit assets

As ofJune 30, 2016
(A)
3,316,236
3,116,946
199,290(A) – (B)
154,145
192,224(38,079)

As of(A – B)
June 30, 2015
/ (B)
(B)
4.8 %
3,162,091
6.5 %
2,924,722(16.0) %237,369

As ofMar. 31, 2016
3,291,053
3,079,581
211,472

6,051

(611)

(9.1) %

6,662

6,326

13,033111,159(5,998)(19,089)(31.5) %(14.6) %19,031
130,248

14,174
119,479

54,256(12,540)(18.7) %66,79656,494

14,790159

1.0 %

14,631

14,997(1.5) %

7.5%

6.4%

6.0 %

－ 11 －SURUGA bank, Ltd.

(7) Deposits and loans (Non-consolidated)(Millions of yen)
As ofJune 30, 2016
(A)
Deposits(period-end balance)
Individual deposits
Loans and bills discounted(period-end balance)
Consumer loans
Housing loans

As ofMar. 31, 2016

4,089,818

101,787

2.5 %

3,988,031

4,056,482

3,122,997

191,613

6.5 %

2,931,384

3,085,907

3,133,888

144,582

4.8 %

2,989,306

3,137,614

2,800,248
2,000,711

177,575
55,389

6.7 %
2.8 %

2,622,673
1,945,322

2,772,298
1,993,219

For the threemonths ended
June 30, 2015
(B)

For the fiscal
year ended
Mar. 31, 2016

For the threemonths ended
June 30, 2016
(A)
Deposits(average balance)
Loans and bills discounted(average balance)(A – B)/ (B)(A) – (B)

As ofJune 30, 2015
(B)

(A – B)/ (B)(A) – (B)

4,028,502

93,0002.3 %3,935,502

4,012,610

3,099,245

139,623

4.7 %2,959,622

3,004,008

For the three months
ended June 30, 2016
New consumer loans(Billions of yen)
For the fiscal Year
ended Mar. 31, 2016

109.3

(Reference） Bank agent service for Japan Post Bank
For the three months
ended June 30, 2016
New housing loans

465.5(Billions of yen)
For the fiscal Year
ended Mar. 31, 2016

9.1

36.3

(8） Interest margins (Non-consolidated)(Overall)

Yield on loans and bills discounted
Yield on deposits
Loan-deposit margin(after deduction from expense ratio)
Net interest margin(％)
For the threemonths ended
June 30, 2016
(A)
3.58
0.10

0.06
0.00

For the threemonths ended
June 30, 2015
(B)
3.52
0.10

2.24

0.03

2.21

2.30

1.39

(0.15)

1.54

1.43(A) – (B)(Domestic)

Yield on loans and bills discounted
Yield on deposits
Loan-deposit margin(after deduction from expense ratio)
Net interest margin

For the fiscal
year ended
Mar. 31, 2016
3.56
0.11

(％)
For the threemonths ended
June 30, 2016
(A)
3.59
0.10

0.06
0.00

For the threemonths ended
June 30, 2015
(B)
3.53
0.10

2.26

0.05

2.21

2.31

1.43

(0.15)

1.58

1.47－ 12 －(A) – (B)For the fiscal
year ended
Mar. 31, 2016
3.57
0.10