November 7, 2014
2014

SURUGA Bank LTD.
Consolidated Financial Results for the First Half of the Fiscal Year Ending March 31,
31, 2015
2015<under Japanese GAAP>
Stock Exchange:
Tokyo (code: 8358)
URL:
http://www.surugabank.co.jp
Representative:
President Mitsuyoshi Okano
Date of Payment of 2nd Quarter-End Dividends: December 11, 2014
(Japanese yen amounts of less than one million and the first decimal place have been rounded down.)

1. Consolidated Financial Results (for the six months ended September 30, 2014)(1) Operating Results(Unit: Millions of Yen, except per share data and percentages)

Ordinary Income
Six months Ended September 30, 2014

63,191

Ordinary Profit
7.7%

Net Income

24,6249.9%

15,370

11.0%

Six months Ended September 30, 2013
58,671
8.5%
22,403
33.4%
13,84635.4%(Note1) Comprehensive Income: Six months ended September 30, 2014:\17,518million (3.6%); Six months ended September 30, 2013:\16,900 million (92.0%)(Note2) Percentages shown in Ordinary Income, Ordinary Profit, Net Income and Comprehensive Income are the increase (decrease) from the same period
pervious year.

Net Income per ShareNet Income per Share(Diluted)

Six months Ended September 30, 2014

\64.92\64.83Six months Ended September 30, 2013\58.59\58.51(2) Financial Position(Unit: Millions of Yen, except percentages)
Total Assets

Total Net Assets

Own Capital Ratio

September 30, 2014

4,136,056

265,592

6.3%

March 31, 2014

4,098,552

251,816

6.0%(Reference) Own Capital: September 30, 2014: \263,487 million; March 31, 2014: \249,595 million(Note) Own Capital Ratio = (Total Net Assets – Subscription Rights to Shares – Minority Interests) / Total Assets * 100

2. Dividend on Common Stock
Annual Cash Dividends par Share
1st Quarter-End

2nd Quarter-End

3rd Quarter-End

Fiscal Year-End

Fiscal year ended March 31, 2014

―

\7.50

―

\9.50

\17.00Fiscal year ending March 31, 2015
Fiscal year ending March 31, 2015
(Forecasts)

―

\8.50
―

\8.50

\17.00Total(Note) Revision of forecasts for dividends for quarter in review: No

3. Earnings Forecasts (for the fiscal year ending March 31, 2015)

Fiscal year Ending March 31, 2015

Ordinary Income

Ordinary Profit

124,000

46,000

△2.2%

0.2%

(Unit: Millions of Yen, except per share data)
Net Income per
Net Income
Share28,6003.5%\120.68(Note1) Percentages shown in Ordinary Income, Ordinary Profit and Net Income are the increase (decrease) from the same period pervious year.
(Note2) Revision of earnings forecasts for quarter in review: No※Note(1) Changes in the scope of consolidated significant subsidiaries during the six months ended September 30, 2014: No(2) Changes in accounting policies, accounting estimates, and restatements.
(A) Changes due to revision of accounting standards:
Yes(B) Changes due to reasons other than (A):No
(C) Changes in accounting estimates:
No(D) Restatements:
No
Note: For details, please refer to the “Changes in accounting policies, accounting estimates and restatements” in the section 2. Items regarding summary
information (notes) on page 3 of attached documents.

(3) Number of common shares issued at the end of period(A) Number of stocks issued (including treasury stocks):

September 30, 2014

258,139,248 shares

March 31, 2014

(B) Number of treasury stocks:

September 30, 2014

21,156,521 shares

March 31, 2014

258,139,248 shares
21,557,594 shares(C) Average outstanding stocks for the six months ended:

September 30, 2014

236,755,324 shares

September 30, 2013

236,316,767 shares(Non-Consolidated Financial Highlight)
1. Non-Consolidated Financial Results (for the six months ended September 30, 2014)(1) Operating Results(Unit: Millions of Yen, except per share data and percentages)
Ordinary Income

Ordinary Profit

Net Income

Six months ended September 30, 2014

58,531

6.7%

23,8607.9%

14,9808.3%

Six months ended September 30, 2013

54,847

9.4%

22,09437.0%

13,82438.8%

Net Income per ShareSix months ended September 30, 2014\63.27Six months ended September 30, 2013\58.49(Note) Percentages Shown in Ordinary Income, Ordinary Profit and Net Income are the increase (decrease) from the same period previous year.

(2) Financial Position(Unit: Millions of Yen, except percentages)
Total Assets

Total Net Assets

Own Capital Ratio

September 30, 2014

4,129,456

258,609

6.2%

March 31, 2014

4,089,021

245,210

5.9%(Reference) Own Capital: September 30, 2014: \258,395 million; March 31, 2014: \244,803 million(Note) Own Capital Ratio = (Total Net Assets – Subscription Rights to Shares) / Total Assets * 100

2. Earnings Forecasts (for the fiscal year ending March 31, 2015)

Fiscal year ending March 31, 2015

Ordinary Income

Ordinary Profit

116,000

45,5002.5%

0.3%(Unit: Millions of Yen, except per share data)
Net Income per
Net Income
Share
28,5003.4%\120.26(Note) Percentages shown in Ordinary Income, Ordinary Profit and Net Income are the increase (decrease) from the same period previous year.

（Statement relating to the status of the audit procedures）
This report is not subject to the audit procedures, which are based on the Financial Instruments and Exchange Law.
The audit procedures are not finished at the time of release of these financial statements.

(Notes for using forecasts information etc,)
The description of future performance of this report is based on information, which is presently available and certain assumptions which are considered to bereasonable, and it does not guarantee future performance. Please take note that future performance may differ from forecasts. Regarding the assumptions forfinancial forecasts of this report, please refer to page2 of attached documents.

SURUGA bank LTD.

[Appendix][Appendix]○ Contents of the appendix

１．Qualitative information on the interim financial statements ................................................................
...................................................................................
................................................... 2(1) Description of business performance ................................................................
................................................................................................
.......................................................................................
....................................................... 2(2) Description of financial position ................................................................
................................................................................................
................................................................................................
..................................................................
.................................. 2(3) Description of forwardforward-looking information such as consolidated earnings
earnings forecasts
forecasts...................... 2
２． Items regarding summary information (notes)................................................................
................................................................................................
.............................................................................
............................................. 3(1) Changes in accounting policies,
policies, accounting estimates, and restatements .............................................
............................................. 3
３． Interim consolidated financial statements ................................................................
................................................................................................
....................................................................................
.................................................... 4(1) Interim consolidated balance sheets................................................................
................................................................................................
.........................................................................................
......................................................... 4(2) Interim consolidated
consolidated statements
statements of income and interim consolidated statements ofcomprehensive income................................................................
................................................................................................
................................................................................................
.....................................................................................
..................................................... 5(3) Interim consolidated statement of changes in net assets ................................................................
..............................................................................
.............................................. 7(4) Notes for the assumption of going concern ................................................................
................................................................................................
..........................................................................
.......................................... 8
４． Interim nonnon-consolidated financial statements ................................................................
................................................................................................
..........................................................................
.......................................... 9(1) InterimInterim nonnon-consolidated balance sheets
sheets................................................................
................................................................................................
...............................................................................
............................................... 9(2) Interim nonnon-consolidated statements
statements of income
income ................................................................
..............................................................................................
..............................................................11(3) Interim nonnon-consolidated statements of changes in net asset................................................................
..................................................................
..................................12..12(4) Notes for the assumption of going concern ................................................................
................................................................................................
........................................................................
........................................14

Reference data ................................................................
................................................................................................
................................................................................................
................................................................................................
.................................................................................
.................................................15

1

SURUGA bank LTD.

１．Qualitative information on thet he interim
int erim financial statements(1) Description of business performancebasis,, ordinary income increased byWith regard to the profit and loss situation on a consolidated basis¥ 4.520 billion from the same period of the previous year to ¥63.191¥ 63.191 billion owing to factors such as
gains from increase in interest on loans and discounts.
Ordinary expenses totaled ¥38.567¥ 38.567 billion, increased by ¥ 2.299 b illion yearyear - onon - year,
year , due to factors
such as increasein crease in general and administrative expenses.
expenses .
As a result, ordinary profit
pro fit increased by ¥ 2.221 billion from a year earlier to ¥24.624¥ 24.624 billion, andn et income during the period increased by ¥ 1.524 b illion yearyear - onon - year to ¥15.370¥ 15.370 billion.

(2) Description of financial position
With regard to our main accounts on a consolidated basis at the end of the period, b alance of loans
and bills discounted totaled ¥2. 952675 trillion, increased by ¥ 7 3.952 billion from the same period of
the previous year as the personal loan balance (non(non - consolidated)consolida ted) increased by ¥ 79.226 billion.
Balance of securities totaled ¥220
¥ 220.
220 . 843 billion, increased by ¥ 1.953 billion compared with the end of
the previous fiscal year.
Balance of deposits
d eposits increased by ¥ 26.860 b illion to ¥3¥ 3 . 836518 trillion from the end of the previous
fiscal year, as the balance of individual
indivi dual deposits grew ¥ 94.215 billion.

(3) Description of forwardforward-looking information such as consolidated earnings forecasts
forecasts
There is no change in forecasts for the year ending
ending March 31, 2015
2015 from the figures published on August 4, 2014
2014.

Consolidated
Millions
Millions of Yen
Fiscal year ending
March 31, 2015
Ordinary income
Ordinary profit

124,000
46,000Net income

28,600

NonNon-consolidated

Fiscal year ending
March 31, 2015
Ordinary income
Net business profit

116,000
48,500Ordinary profit
incomeNet income

45,50028,500CreditCredit-related expenses in real terms

1,000(Note) The earnings
earnings forecasts
forecasts were created based on the information available as of the date of this announcement andactual results may differ from the forecast figures owing to various factors in the future.

2

SURUGA bank LTD.

2. Items regarding summary information (notes)(1)(1) Changes in accounting policies,
policies, accounting
accounting estimates, and restatements
Suruga Bank has adopted the main clause of Article 35 of the accounting standard for retirement
benefits (ASBJ Statement
Stat ement No. 26, May 17, 2012, hereinafter referred to as the "Retirement
Benefits Statement") and the main clause of Article 67 of thet he guidance on accounting standard for
retirement benefits (ASBJ Guidance No.25, May 17, 2012)2012 ) from the six months ended September
Septe mber
30, 2014. Accordingly thet he calculation
calculati on methods of Retirement benefit obligations and Service costwere reconsidered. The method for attributing the expected benefit obligations was changed fromthe straightstraight - line basis to a benefit formula basis.
basis . T he me thod of determining the discount rateapplied in the calculation of projected benefit obligation was changed from the method using thenumber of year approximate to the employees’
employees ’ average remaining service period to the method
using the single weighted average
ave rage discount rate that reflects the estimated period and amount ofbenefit payment in each period.
The Retirement Benefits Statement and other standards were applied in accordance with thetransitional treatment set forth in Article 37 of the Retirement B enefits Statement, and thet he effecteff ectof the change in the calculation
calculati on methods of retirementr etirement benefit obligations and s ervice cost wereadded to or deducted from R etained earnings a t the beginning of the six months ended September
30, 2014.
As a result, Net defined
def ined benefit asset decreasedde creased by \ 3.158
3.1 58 billion, Retained earnings decreasedde creasedby \ 2.046 billion asa s of the beginning of the six months ended September 30, 2014. In addition, both
Ordinary profit and Income before income taxes increasedin creased by \ 13 million for the six months ended
September 30, 2014.

3

SURUGA bank LTD.

3. Interim consolidated financial statements(1) Interim consolidated balance sheets
Millions of Yen

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
defined benefit asset
Deferred tax assets
Customers'
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total assets
Liabilities
Deposits
Borrowed money
Foreign exchanges
Other liabilities
Provision for bonus
Provision for directors' bonus
Net defined benefit liability
Provision for directors’
directors’ retirement benefits
Provision for reimbursement of deposits
Provision for contingent loss
loss
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders' equity
Valuation difference on availableavailable-forfor-sale securities
Deferred gains or losses on hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Subscription rights to shares
Minority interests
Total net assets
Total liabilities and net assets

4

As of Mar. 31, 20142014

As of Sep.
Sep. 30
30, 20142014

700,543
183,295
39
905
218,8902,878,723
3,858
5,558
39,58048,97130,995
5,268
3,222
4,108
△25,410
4,098,552

675,033
168,277
60
1,036
220,8432,952,675
2,595
5,146
44,79249,01630,985
2,586
2,805
3,680
△23,478
4,136,056

3,809,658
2,805
5
25,189
667
140
278
2,902
282
523
174
4,108
3,846,735

3,836,518
2,495
21
23,000
709
－
238
3,001
200
414
184
3,680
3,870,464

30,043
20,278203,340△16,626
237,035
10,955△13
1,617
12,560406
1,813
251,816
4,098,552

30,043
20,735
214,417△16,339
248,856
13,169△27
1,488
14,630214
1,891
265,592
4,136,056

SURUGA bank LTD.

(2) Interim consolidated statements of income and interim consolidated statements
statements of comprehensive income
Interim consolidated statements of income
Millions of Yen

Ordinary income
Interest income(Interest on loans and discounts)(Interest(Interest and dividends on securities)
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses(Interest on deposits)
Fees and commissionscommissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary profit
Extraordinary income
Gain on disposal of noncurrent assets
Reversal
Reversal of subscription rights to shares gain
Extraordinary loss
Loss on disposal of noncurrent assets
Income before income taxes and minority interests
Income taxestaxes-current
Income taxestaxes- deferred
Total income taxes
Income before minority interests
Income attributable to minority interests
Interim net income

5

For the six
six months
ended
Sep.
Sep. 30
30, 2013
2013

For the six
six months
ended
Sep.
Sep. 30
30, 2014
2014

58,671
48,97747,467
1,106
6,240
2,033
1,419
36,268
1,653
1,622
6,194
2,133
22,494
3,791
22,403
140
51
88
85
85
22,458
7,722
850
8,573
13,88538
13,846

63,191
53,11851,587
1,043
6,240
2,212
1,620
38,567
1,966
1,932
6,753
1,765
24,654
3,427
24,624
20
0
20
630
630
24,015
8,167
416
8,584
15,43060
15,370SURUGA bank LTD.

Interim consolidated statements of comprehensive income
Millions of Yen

For the six
six months
ended
ended
Sep.
Sep. 30
30, 2013
2013

For the six
six months
ended
Sep.
Sep. 30
30, 2014
2014

13,885

15,430

3,005

2,230

Deferred gains or losses on hedges

10

△14

Remeasurements
Remeasurements of defined benefit plans

―

△128

3,015

2,087

16,90017,518

16,84817,441

51

77

Income before minority interests
Other comprehensive income
Valuation difference on availableavailable-forfor-sale securities

Total other comprehensive income
Comprehensive income(Breakdown)Comprehensive income attributable to owners of the parent
Comprehensive income attributable to minority interests
interests

6

SURUGA bank LTD.

(3) Interim consolidated
consolidated statements of changes in net assets
For the six months ended September 30, 2013
Millions of Yen

Shareholders' equity
Capital stock
Balance at the beginning of current
periodChanges of items during the period

30,043

CapitalsurplusRetainedearnings

19,547

179,511

Treasuryshares△17,194

Total
shareholders'equity211,908

Dividends from surplus△2,004△2,004

Net income

13,846

13,846

Purchase of treasury shares
Disposal of treasury
treasury shares
Net changes of items other thanshareholders' equity
Total changes of items during theperiodBalance at the end of current
period

663

△51

△51

598

1,262

―

663

11,842547

13,05230,043

20,211

191,354△16,647

224,961

Accumulated other comprehensive
comprehensive income
Valuation
Total
Subscription
Deferredaccumulateddifference
rights to
gains oron availableotheravailableshareslosses on
forcomprehensive
for-salehedgesincomesecurities
Balance at the beginning of current
current
periodChanges of items during the period

8,097

△15

8,082

784

Minority
interests

1,675

Total net
assets222,450Dividends from surplus△2,004

Net income

13,846

Purchase of treasury shares△51

Disposal of treasury shares
Net changes of items other thanshareholders' equity
equityTotal changes of items during theperiodBalance at the end of current
period

1,262
2,992

10

3,002

△374

51

2,679

2,992

10

3,002

△374

51

15,732

11,089△4

11,084409

1,727

238,1827

SURUGA bank LTD.

For the six months ended Sep 30,
30, 2014
Millions of Yen

Shareholders' equity
equityCapitalstock
Balance at the beginning of current
periodCumulative effects of changes
in accounting policies
Restated balance

30,043

CapitalsurplusRetainedearnings

TreasurysharesTotalshareholders'equity20,278203,340△16,626

237,035△2,04630,043

20,278201,294△2,046
2,046△16,626

234,989

Changes of items during the period
Dividends from surplus△2,247△2,247

Net income

15,37015,370Purchase of treasury shares
Disposal of treasury shares
Net changes of items other thanshareholders' equity
Total changes of items during theperiodBalance at the end of current
periodBalance at the beginning of current
periodCumulative effects of changes
in accounting policies
Restated balance

457

△37

△37

324

781

―

457

13,122286

13,86630,043

20,735

214,417△16,339

248,856

Accumulated other comprehensive income
incomeValuation
Total
Remeasure
Deferreddifference
accumulat
ments ofgains ored otherondefinedlosses oncomprehenavailableavailablebenefit
forhedges
sive
for-saleplans
securities
incomeSubscription
rights tosharesMinority
interests

Total net
assets406

1,813

251,816

10,955△13

1,617

12,560△2,046
10,955△13

1,617

12,560406

1,813

249,770

Changes of items during the period
Dividends from surplus△2,247

Net income

15,370Purchase of treasury shares△37

Disposal of treasury shares
Net changes of items other thanshareholders' equity
Total changes of items during theperiodBalance at the end of current
period

781
2,213

△14

△128

2,070

△192

77

1,955

2,213

△14

△128

2,070

△192

77

15,822
15,822

13,169△27

1,488

14,630214

1,891

265,592(4) Note for the assumption of going concern
Not applicable.

8

SURUGA bank LTD.

4 . Interim nonn onon - consolidated financial statements(1) Interim nonnonon-consolidated balance sheets
Millions of Yen

AssetsCash and due from banks
Call loans
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Other assets
Tangible fixed assets
Intangible fixed assets
Prepaid pension expenses
Deferred tax assets
Customers'
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total assets
Liabilities
Deposits
Foreign exchanges
Other liabilities
Corporate taxes payablepayableLease obligations
Other liabilities
Provision for bonus
Provision for directors' bonus
Provision for retirement benefits
Provision for directors’
directors’ retirement benefits
Provision forfor reimbursement of deposits
Provision for contingent loss
Acceptances and guarantees
Total liabilities

9

As of March 31, 2014

As of September 30,
30, 2014

700,300
183,295
39
905
223,3712,880,085
2,880,085
3,858
31,29331,29347,57528,389
2,772
3,623
4,114
△20,6034,089,021

674,701
168,27760
1,036
225,254
2,954,255
2,595
37,37937,37947,66228,430
865
3,173
4,322
△18,558
4,129,456

3,816,373
5
18,857
10,582
717
7,557
614
140
―
2,899
282
523
4,114
3,843,810

3,843,347
21
18,292
8,137
570
9,585
672
―
576
2,998
200
414
4,322
3,870,846

SURUGA bank LTD.

Millions of Yen

Net assets
Capital stock
Capital surplus
Legal capital surplus
Other capital surplus
Retained earnings
Legal retained earnings
Other retained earnings
Reserve for advanced depreciation
depreciation of noncurrent assets
General reserve
Retained earnings brought forward
Treasury stock
Total shareholders' equity
Valuation difference on availableavailable-forfor-sale securities
Deferred gains or losses on hedges
Total valuation
valuation and translation adjustments
Subscription rights to shares
Total net assets
Total liabilities and net assets

10

As of March 31, 2014

As of September 30,
30, 2014

30,04319,362
18,585776
201,42130,043
171,378
55
103,032
68,291△16,626
234,200
10,614△12
10,602406
245,210
4,089,021

30,043
19,81918,585
1,233
212,108
30,043
182,06555
103,032
78,978△16,339
245,632
12,791△27
12,763
214258,609
4,129,456

SURUGA bank LTD.

(2) Interim nonnonon-consolidated
consolidated statements of income
Millions of Yen

For the six
six months ended
Sep.
Sep. 30
30, 2013
2013

Ordinary income
Interest income(Interest on loans and discounts)
discounts)(Interest and dividends
dividends on securities)
securities)
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses(Interest on deposits)
deposits)
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary profit
Extraordinary income
Extraordinary loss
Income before income taxes
IncomeIncome taxestaxes-current
Income taxestaxes-deferred
Total income taxes
Net income

54,847
46,98245,477
1,098
5,833
325
1,705
32,752
1,639
1,622
6,230
6,230
587
21,1593,136
22,094121
85
22,131
7,405
902
8,307
13,82411

For the six
six months ended
Sep.
Sep. 30
30, 2014
2014

58,531
50,69749,181
1,031
5,830
183
1,820
34,671
1,956
1,933
6,791
49
23,193
2,681
23,86020
626
23,254
7,885
388
8,273
14,980SURUGA bank LTD.

(3) Interim nonnonon-consolidated statements of changes in net assets
For the six months ended September 30,
30, 2013
Millions of Yen

Capital stock
Balance at the beginning of current
periodChanges of items during
during the period

30,043

Shareholders'Shareholders' equity
Capital surplus
Retained earnings
Legal capital
Other capital
Total capital
Legal retained
surplussurplussurplusearnings

18,58545

18,631663

663

30,043

Dividends from surplus
Net income
Purchase of treasury shares
Disposal of treasury shares
Net changes of items other thanshareholders' equity
Total changes of items during theperiodBalance at the end of current period

―

―

663

663

―

30,043

18,585709

19,29530,043

Shareholders' equity
Retained earnings
Other retained earnings
Reserve foradvanceddepreciation of
noncurrent
noncurrent
assetsBalance at the beginning of current
periodChanges of items during the period

55

Retainedearnings brought
forwardGeneralreserve

103,032

Dividends from surplus
Net income

Total
Retainedearnings

44,516

177,646△2,004
13,824△2,004
13,824Purchase of treasury shares

Treasury stock

Total
shareholders'equity△17,194

209,127△51
598△2,004
13,824△51
1,262

Disposal of treasury shares
Net changes of items other thanshareholders' equity
Total changes of items during theperiod――11,81911,819547

13,030

Balance at the end
end of current period

55

103,032

56,336

189,466△16,647

222,157

Subscription
rights tosharesTotal net assets

784

217,768

Valuation and translation adjustments
Valuationdifference on
availableavailable-forforsale securities
Balance at the beginning of current
periodChanges of items during the period

7,869

Deferred
gains orlosses onhedges△13

Total valuation
valuationand translation
adjustments

7,856

Dividends from surplus△2,004
13,824△51
1,262

Net income
Purchase of treasury shares
Disposal
Disposal of treasury shares
Net changes of items other thanshareholders' equity
Total changes of items during theperiod

2,949

10

2,959

△374

2,584

2,949

10

2,959

△374

15,615

Balance at the end of current period

10,819△2

10,816409

233,38312

SURUGA bank LTD.
For the six months ended September 30,
30, 2014
Millions of Yen
Shareholders' equity

Total capitalsurplusRetainedearnings
Legal retained
earnings

Capital surplus
Capital stock
Legal capitalsurplus
Balance at the beginning of current
periodCumulative effects of changes inaccounting policies
Restated balance

Other capitalsurplus30,043

18,585776

19,36230,04330,043

18,585776

19,36230,043457

457

Changes of items during the period
Dividends from surplus
Net income
Purchase
Purchase of treasury shares
Disposal of treasury shares
Net changes of items other thanshareholders' equity
Total changes of items during theperiodBalance at the end of current period

―

―

457

457

―

30,043

18,585

1,233

19,81930,04330,043

Shareholders' equity
Retained earnings
Other retained earnings
Reserve foradvanceddepreciation of
noncurrent
assetsBalance at the beginning of current
periodCumulative effects of changes inaccounting policies
Restated balance

55

55

Retainedearnings brought
forwardGeneralreserve

103,032

103,032

Total
Retainedearnings

68,291

201,421△2,046△2,046

66,244

199,375△2,247
14,980△2,247
14,980Treasury stock

Total
shareholders'equity△16,626

234,200△2,046△16,626

232,154△37
324△2,247
14,980△37
781

Changes of items during the period
periodDividends from surplus
Net income
Purchase of treasury shares
Disposal of treasury shares
Net changes of items other thanshareholders' equity
Total changes of items
items during theperiodBalance at the end of current period

Balance at the beginning of current
periodCumulative effects of changes inaccounting policies
Restated balance――

12,733

12,733286

13,47755

103,032

78,978212,108△16,339

245,632

Valuation and translation adjustments
Deferred
Valuation
Total valuationdifference on
gains orand translation
availablelosses onavailable-forforadjustments
sale securities
hedgesSubscription
rights toshares

10,614△12

10,602406

Total net
assets245,210△2,046

10,614△12

10,602406

243,163

Changes of items during the period△2,247
14,980△37781

Dividends from surplus
Net income
Purchase of treasury shares
Disposal of treasury shares
Net changes of items other thanshareholders'shareholders' equity
Total changes of items during theperiodBalance at the end of current period

2,176

△15

2,160

△192

1,967

2,176

△15

2,160

△192

15,445

12,791△27

12,763

214258,609

13

SURUGA bank LTD.

(4) Note for the assumption of going concern
Not applicable.
applicable.

14

SURUGA bank LTD.

（ Reference
Refe rence data）
data ）【NonNon-consolidated】
consolidated】(1) Interest margin
All operations（％）

Six months ended
Sep.
Sep. 30
30, 2014
2014

Six months ended
Sep.
Sep. 30
30, 2013
2013

March. 31, 2014(a) – (b)(a)
Yield on outstanding loans
Yield on deposits
Loan – deposit margin
Loan – deposit margin

(b)

A
B
A-B

3.44
0.10
3.34

0.11
0.01
0.01
0.10

3.33
0.09
3.24

3.38
3.38
0.09
3.29

2.11

0.07

2.04

2.06

1.26

△0.25

1.51

1.31

(after deduction from expense ratio)
ratio)Net interest margin
Domestic operations（％）

Six months ended
Sep.
Sep. 30
30, 2014
2014

Six months ended
Sep.
Sep. 30
30, 2013
2013

March. 31, 2014(a) – (b)(a)
Yield on outstanding loans
Yield on deposits
Loan – deposit margin
Loan – deposit margin

(b)

A
B
A-B

3.46
0.09
3.36

0.11
0.00
0.10

3.35
0.09
3.26

3.40
0.09
3.30

2.13

0.07

2.06

2.08

1.30

△0.25

1.55

1.35

(after deduction from expense
expense ratio)
ratio)Net interest margin(2) OHR（％）

Six months ended
Sep.
Sep. 30
30, 2014
2014

Six months ended
Sep.
Sep. 30
30, 2013
2013

March. 31, 2014(a) – (b)
(a)
OHR

(b)
48.5

1.4

47.1

(3) The capital adequacy ratio

47.6

（％）

As of
Sep.. 30, 2014
Sep
2014

As of
Sep.. 30, 2013
Sep
2013

(a) – (b)(a)
The capital adequacy ratio(Domestic standard)

11.53

March. 31, 2014

（ｂ）

0.36

11.17

11.42

The capital adequacy ratio has been calculated based on the new domestic standard from the fiscal
fiscal year ended March 31, 2014.

(4)ROA(4)ROA，
ROA， ROE（％）

Six months ended
Sep.
Sep. 30
30, 2014
2014

Six months ended
Sep.
Sep. 30
30, 2013
2013

March. 31, 2014(a) – (b)
ROA
ROE

(a)
0.73
12.91

(b)
0.00
△0.27

＊ROA: Net income per average total assets
ROE: Net income per average own capital

15

0.73
13.18

0.72
13.22