February 9, 2016

SURUGA bank, Ltd.
Consolidated Financial Results for the Third Quarter of Fiscal Year 2015, ending March 31, 2016
<under Japanese GAAP>
Stock Exchange:
URL:
Representative:

Tokyo (code: 8358)
http://www.surugabank.co.jp
President Mitsuyoshi Okano(Japanese yen amounts of less than one million and the first decimal place have been rounded down.)

1. Consolidated Financial Results for the Third Quarter of Fiscal Year 2015, ending March 31, 2016
(1) Consolidated Operating Results(Unit: Millions of Yen, except percentages)

Ordinary Income
Third Quarter
Ended December 31, 2015
Ended December 31, 2014
(Note1) Comprehensive Income

103,561

Profit Attributable

Ordinary Profit

8.2%

to Owners of Parent

42,828

11.6%

28,18817.3%

95,6498.5%
38,352
12.4%
24,023
15.1%
Third quarter ended Dec. 31, 2015: \28,452 million (△4.7%), Third quarter ended Dec. 31, 2014: \29,859 million (14.6%)(Note2) Percentages shown in Ordinary Income, Ordinary Profit, Profit Attributable to Owners of Parent and Comprehensive Income are the increase(decrease) from the corresponding period of the previous fiscal year.

Net Income per ShareNet Income per Share (Diluted)

Third Quarter
Ended December 31, 2015

\119.26\119.16

Ended December 31, 2014

\101.43\101.29(2) Consolidated Financial Position(Unit: Millions of Yen, except percentages)

Total Assets

Total Net Assets

Own Capital Ratio

December 31, 2015

4,390,418

301,374

6.8%

March 31, 2015

4,284,990

292,128

6.7%(Reference) Own Capital

December 31, 2015: \299,099 million,

March 31, 2015: \290,056 million(Note) Own Capital Ratio = (Total Net Assets – Subscription Rights to Shares – Non-controlling Interests) / Total Assets * 100
Own Capital Ratio shown above was not calculated based on the public notice of Own Capital Ratio

2. Dividends on Common Stock(Unit: Yen)

Annual Cash Dividends per Share
1st Quarter-End

2nd Quarter-End

3rd Quarter-End

Fiscal Year-End

ended March 31, 2015

―

\8.50

―

\11.50\20.00ending March 31, 2016

―

\9.50

―
\9.50

\19.00

Total

Fiscal year

ending March 31, 2016 (Forecasts)(Note1) Revision of forecasts for dividends for quarter in review: No(Note2) Breakdown of Fiscal Year-End dividends for Fiscal year ended March 31, 2015:

Ordinary dividend: \10.50,

Commemorative dividend: \1.00

3. Consolidated Earnings Forecasts (for the fiscal year 2015, ending March 31, 2016)(Unit: Millions of Yen, except per share data and percentages)

Fiscal year
Ending March 31, 2016

Ordinary Income

Ordinary Profit

134,500

53,400

2.5%

△0.0%

Profit Attributableto Owners of Parent
35,300

7.3%

Net Income
per Share\150.13(Note1) Revision of earnings forecasts for quarter in review: No(Note2) Percentages shown in Ordinary Income, Ordinary Profit, Profit Attributable to Owners of Parent are the increase (decrease) from the previous fiscal
year.

※Notes(1) Changes in the scope of consolidated significant subsidiaries during the nine months ended December 31, 2015: No(2) Adoption of simplified accounting methods for the preparation of quarterly consolidated financial statements: Yes
Note: For details, please refer to “(1) Adoption of simplified accounting methods for the preparation of quarterly consolidated financial
statements” in the section “2. Items regarding summary information (notes)” on page 3.
(3) 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 “(2) Changes in accounting policies, accounting estimates and restatements” in the section “2. Items
regarding summary information (notes)” on page 3.

(4) Number of common stocks issued(A) Number of stocks issued (including treasury stocks):

Dec. 31, 2015

232,139,248 sharesMar. 31, 2015

(B) Number of treasury stocks:

Dec. 31, 2015

703,772 sharesMar. 31, 2015

258,139,248 shares
20,855,687 shares(C) Average outstanding stocks for the nine months ended:

Dec. 31, 2015

236,350,136 sharesDec. 31, 2014

236,842,566 shares（Statement relating to the status of the quarterly review procedures）
This quarterly report is not subject to the quarterly review 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.

(Explanation for proper use of forecasts and other notes)
The description of future performance of this report is based on information which is presently available and certain assumptions which are considered tobe reasonable, and it does not guarantee future performance. Actual performance may differ from the forecasts due to various factors.

SURUGA bank, Ltd.

【Appendix】○ Contents of the Appendix

１．Qualitative information on the third quarter financial statement...................................................................2(1) Description of operating results ...........................................................................................................................2(2) Description of financial position............................................................................................................................2(3) Description of forward-looking information such as earnings forecasts...........................................2
２． Items regarding summary information (notes)......................................................................................................3(1) Adoption of simplified accounting methods for the preparation of quarterly consolidated
financial statements ...................................................................................................................................................3(2) Changes in accounting policies, accounting estimates and restatements........................................3
３． Quarterly consolidated financial statements ........................................................................................................4(1) Quarterly consolidated balance sheets.............................................................................................................4(2) Quarterly consolidated statements of income and quarterly consolidated statements ofcomprehensive income ..............................................................................................................................................5(3) Note for the assumption of going concern ......................................................................................................7(4) Note for Material Changes in Shareholders’ Equity...................................................................................7
４． Other note.............................................................................................................................................................................7※SUPPLEMENTARY INFORMATION (For the Third Quarter of Fiscal Year 2015) .................................8－1－

SURUGA bank, Ltd.

１．Qualitative information on the third quarter financial statement(1) Description of operating results
With regard to consolidated operating results for the third quarter ended December 31, 2015,
ordinary income increased by ¥7.912 billion compared with the corresponding period of theprevious fiscal year, to ¥103.561 billion mainly due to an increase in interest income, reflecting an
increase in interest on loans and discounts. Ordinary expenses increased by \3.436 billion
compared with the corresponding period of the previous fiscal year, to ¥60.732 billion mainly due
to increases in fees and commissions payments and other expenses.
As a result, ordinary profit increased by \4.476 billion compared with the corresponding periodof the previous fiscal year, to \42.828 billion. Profit attributable to owners of parent increasedby \4.165 billion compared with the corresponding period of the previous fiscal year, to \28.188
billion.

(2) Description of financial position
The balance of loans and bills discounted as of December 31, 2015 increased by \71.213 billion
from the position as of March 31, 2015, to ¥3,081.961 billion mainly due to an increase in thebalance of consumer loans (non-consolidated) of \112.026 billion.
The balance of securities as of December 31, 2015 increased by \7.657 billion from the position
as of March 31, 2015, to ¥236.409 billion.
The balance of deposits as of December 31, 2015 increased by \99.633 billion from the position
as of March 31, 2015, to \4,052.479 billion mainly due to an increase in the balance of individual
deposits of \155.823 billion.

(3) Description of forward-looking information such as earnings forecasts
There is no change in forecasts for the fiscal year 2015, ending March 31, 2016 from the figures
published on November 10, 2015.
【Consolidated】(Unit: Millions of Yen)
Fiscal Year 2015
ending Mar. 31, 2016

Ordinary income

134,500

Ordinary profit

53,400

Profit attributable to owners of parent

35,300【Non-consolidated】(Unit: Millions of Yen)
Fiscal Year 2015
ending Mar. 31, 2016

Ordinary income

123,500

Net operating profit

56,500Ordinary profit

52,500Net income

35,000

Actual credit costs

3,000(note) The description of future performance of this report is based on information which is presently available and certain
assumptions which are considered to be reasonable, and it does not guarantee future performance. Actual
performance may differ from the forecasts due to various factors.

－2－

SURUGA bank, Ltd.

2. Items regarding summary information (notes)(1) Adoption of simplified accounting methods for the preparation of quarterly consolidated financial
statements(Income tax expenses)
Income tax expenses of our company and its consolidated subsidiaries are calculated byreasonably estimating the effective tax rate based on the expected income before income taxes(net of the effects of deferred taxes) for the fiscal year to which the nine-month period pertains,and multiplying income before income taxes for the nine-month period by the estimatedeffective tax rate.

(2) Changes in accounting policies, accounting estimates and restatements(Changes in accounting policy)
ASBJ Statement No. 21, “Revised Accounting Standard for Business Combinations” (releasedon September 13, 2013, hereinafter the “Accounting Standard for Business Combinations”), ASBJ
Statement No. 22, “Revised Accounting Standard for Consolidated Financial Statements”(released on September 13, 2013, hereinafter the “Consolidated Accounting Standard”), ASBJ
Statement No. 7, “Revised Accounting Standard for Business Divestitures” (released on
September 13, 2013, hereinafter the “Accounting Standard for Business Divestitures”) andothers have been applied effective from the first quarter of the fiscal year ending March 31, 2016.
As a result, any change resulting from the Company’s ownership interests in its subsidiary when
the Company retains control over the subsidiary is accounted for as Capital surplus, andacquisition related costs are expensed in the year in which the costs are incurred. For any
business combinations on or after the beginning of the first quarter, subsequent measurement of
the provisional amount recognized based on the purchase price allocation due to the completionof accounting for the business combination are reflected in the quarterly consolidated financial
statements for the period to which the date of that business combination occurs. In addition, thepresentation method of Net income was amended as well as “Minority interests” to“Non-controlling interests.” To reflect these changes in presentation, adjustments have been
made to the consolidated financial statements for the prior third quarter and the prior fiscal year
presented herein.
The aforementioned accounting standards are adopted as of the beginning of the first quarterand thereafter, according to the transitional treatment provided for in Paragraph 58-2 (4) of the
Accounting Standard for Business Combinations, Paragraph 44-5 (4) of the Consolidated
Accounting Standard and Paragraph 57-4 (4) of the Accounting Standard for Business
Divestitures.
There is no effect of these changes on the quarterly consolidated financial statements for thethird quarter.

－3－

SURUGA bank, Ltd.

3. Quarterly consolidated financial statements(1) Quarterly consolidated balance sheets
As ofMar. 31, 2015
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－（Unit: Millions of Yen）
As of
Dec. 31, 2015

794,594
127,102
107
1,114
228,752
3,010,748
2,563
5,458
46,173
49,95430,743
6,288
440
3,620
△22,673
4,284,990

913,316
36,66844
1,105
236,4093,081,961
2,490
5,367
43,44350,60930,396
7,245
258
3,419
△22,317
4,390,418

3,952,846
2,535
3
25,847
707
140
249
3,099
327
342
3,142
3,620
3,992,862

4,052,479
2,290
2
23,679
7
－
250
3,219
119
323
3,253
3,419
4,089,044

30,04321,013229,924△16,110
264,870
21,673△101
3,613
25,185
112
1,959
292,1284,284,990

30,043－244,647△801
273,889
22,134△103
3,178
25,20975
2,199
301,374
4,390,418

SURUGA bank, Ltd.

(2) Quarterly consolidated statements of income and Quarterly consolidated
statements of comprehensive income
Quarterly consolidated statements of income
For the nine months
ended
Dec. 31, 2014
95,64981,47278,753
1,989
9,338
3,229
1,610
57,296
3,004
2,940
10,0242,517
36,908
4,841
38,352
30
10
20
699
699
37,683
13,60324,08056
24,023

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
Gain on reversal of subscription rights to shares
Extraordinary losses
Loss on disposal of non-current assets
Income before income taxes and minority interests
Income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of parent－5－（Unit: Millions of Yen）
For the nine months
ended
Dec. 31, 2015
103,561
88,537
84,275
3,415
9,592
3,895
1,534
60,732
3,464
3,373
10,9332,667
36,756
6,911
42,828
9
9
－
368
368
42,46914,09028,378190
28,188SURUGA bank, Ltd.

Quarterly consolidated statements of comprehensive income

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 nine months
ended
Dec. 31, 2014
24,080（Unit: Millions of Yen）
For the nine months
ended
Dec. 31, 2015
28,378

5,998
△25
△193
5,779
29,859

511
△2
△435
73
28,45229,754104

28,212240

SURUGA bank, Ltd.

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

(4) Note for Material Changes in Shareholders’ Equity① Repurchase of Own shares
Our company resolved at a meeting of the board of directors held on November 10, 2015 to repurchase its own
shares pursuant to the provision of Article 156, paragraph 1 of the Companies Act of Japan and executed it on
November 11, 2015. As a result, treasury shares increased by \14.356 billion.
② Cancellation of Own shares
Our company resolved at a meeting of the board of directors held on December 18, 2015 to cancel its own sharespursuant to the provision of Article 178 of the Companies Act of Japan and executed the cancellation of 26,000,000
shares of common stock on December 29, 2015. As a result, capital surplus decreased by \21.099 billion, retained
earnings decreased by \8.481 billion, and treasury shares decreased by \29.581 billion in the third quarter of fiscal
year 2015, ending March 31, 2016.

４．Other note
(Final judgement)
Our Company has filed a lawsuit against IBM Japan to the Tokyo District Court on March 6, 2008, based upon thereasons that the project of the new main system development we outsourced to IBM Japan had fallen through due tothe fault of IBM Japan.
Tokyo District Court rendered the judgement on March 29, 2012, in which it ruled IBM Japan to pay ¥7.413 billion
and delinquent charges that was equivalent to the actual damage we suffered. IBM Japan appealed to the Tokyo High
Court on March 30, 2012. The Tokyo High Court rendered the judgement on September 26, 2013, in which it ruled IBM
Japan to pay ¥4.172 billion and delinquent charges and dismissed the whole counterclaim by IBM Japan, the amount of
which was equivalent to ¥12.551 billion.
While the Company and IBM Japan had filed appeals and petitions for writs of certiorari to the Supreme Court, itdismissed all of the appeals and petitions on July 8, 2015. Accordingly, the above judgement of the Tokyo High Court
became final and the litigation ended.
The balance between the amount of the total payment by IBM Japan based upon the aforementioned finalized
judgement and the amount of the recorded temporary payment and so forth related to the lawsuit is recorded in otherexpenses (¥24 million) as losses related to the lawsuit in the consolidated accounting period. And the amount onreversal caused by the realization of the unrealized profits, which have been eliminated in the intercompany transactions
related to the lawsuit is recorded in other income (¥406 million) in the consolidated accounting period.

－7－

SURUGA bank, Ltd.

SUPPLEMENTARY INFORMATION(For the Third Quarter of Fiscal Year 2015, ending March 31, 2016)（１）Summary of income 【Non-consolidated】(Unit: Millions of Yen)
For the nine months For the nine months
ended Dec. 31, 2015 ended Dec. 31, 2014
(A)
(B)

Fiscal Year
2014（Ａ）-（Ｂ）

Gross operating profit

79,30473,671

5,633

99,452

Net interest income

80,54374,760

5,783

100,368

Net fees and commissions income△2,078△1,355△723△2,003

838
781

266
181

572
600）

Core gross operating profit (note2)

78,52273,4905,032

98,460

Expenses

34,712

34,919△207

45,600

Personnel expenses

13,787

13,619168

18,114

Non-personnel expenses

18,194

18,819△625

24,300Core net operating profit (note3)

43,81038,5705,240

52,860――――Net operating profit

44,59138,751

5,840

53,852

Non-recurrent income and losses△3,147△1,458△1,689△2,000Gains (losses) related to stocks

182

169

13

△221

Ordinary profit

41,44337,292

4,151

51,850Extra ordinary income (losses)

△349

△675

326

△1,050

Income before income taxes

41,09336,617

4,476

50,799

Income taxes (note5)

13,51913,218301

18,664

Net income

27,57323,3984,175

32,135

Profit from other business transactions(Gains (losses) related to bonds)

Provision for general allowance for loan
losses (note4)

（

（

1,087
991）

(Unit: Millions of Yen)
Net credit costs (note6)

3,641

1,647

1,994

1,726

―

―

―

―

Disoposal of non-performing loans

3,752

3,070

682

4,211

Reversal of allowance for loan losses(note4)

110

1,422

△1,312

2,485

454

452

2

747

3,187

1,194

1,993

979

Provision for general allowance for loan
losses (note4)

Recoveries of written-off claims
Actual credit costs (note7)(note1） Amounts have been rounded down to the unit indicated.
(note2） Core gross operating profit = Gross operating profit - Gains (losses) related to bonds(note3） Core net operating profit = Net operating profit + Provision for general allowance for loan losses - Gains (losses) related tobonds(note4） For the third quarter of fiscal year 2015 (ending Mar. 31, 2016), for the fiscal year 2014 (ended Mar. 31, 2015) and for the third
quarter of fiscal year 2014 (ended Mar. 31, 2015), the net amount of Reversal of general allowance for loan losses andProvision for specific allowance for loan losses is recorded in Reversal of allowance for loan losses, given that the former
exceeded the latter during the period.
(note5） Income taxes for the fiscal year 2014 (ended Mar. 31, 2015) are the total amount of income taxes.
(note6） Net credit costs = Provision for general allowance for loan losses + Disposal of non-performing loans - Reversal of allowance
for loan losses(note7） 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】(Unit: Millions of Yen)
As of
Dec. 31, 2015

As of
Dec. 31, 2014

As ofMar. 31, 2015

7,517

7,847

7,540

Claims with collection risk

16, 328

18,852

18,817

Claims for special attention

18,23020,115

19,391

Total （Disclosed amount based on the Financial
Reconstruction Law）

42,076

46,81545,748The ratio of disclosed amount to total claims（Non-performing loan ratio）

1.35 %

1.56 %

1.50 %

Claims against bankrupt and substantiallybankrupt obligors(note1) Amounts have been rounded down to the unit indicated.
(note2) Total claims = Loans and bills discounted ＋ foreign exchange ＋ accrued interest ＋ customers’ liabilities for
acceptances and guarantees ＋ securities lending ＋ cash advances ＋ guarantees on private placement bonds（Claims for special attention include only loans and bills discounted）(note3) The figures shown above are based on classification definitions prescribed in Article 4 of “Enforcement Regulations ofFinancial Reconstruction Law”.
(note4) Relationship between obligor classifications- “Claims against bankrupt and substantially bankrupt obligors” correspond to claims against “Effectively bankrupt
obligors” and “Bankrupt obligors” based on self-assessment- “Claims with collection risk” correspond to claims against “Potentially bankrupt obligors” based on
self-assessment- “Claims for special attention” correspond to claims categorized “Loans past due 3 months or more” and“Restructured loans” by claims classification of those against “Obligors requiring caution” based on
self-assessment.

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

Capital adequacy ratio
Owned capital (core capital)
Core capital: instruments and reserves
Core capital: regulatory adjustments (△)
Total risk-weighted assets
Total required capital(Unit: Millions of Yen)
As of
Dec. 31, 201512.16%
277,889
282,082
4,192
2,284,432
91,377

As of
Dec. 31, 201411.90%
265,901
265,96766
2,233,742
89,349【Consolidated】

Capital adequacy ratio
Owned capital (core capital)
Core capital: instruments and reserves
Core capital: regulatory adjustments (△)
Total risk-weighted assets
Total required capital

As ofMar. 31, 2015
11.59%
267,294
271,341
4,046
2,305,278
92,211(Unit: Millions of Yen)

As of
Dec. 31, 201512.29%
284,563291,535
6,972
2,314,941
92,597（note1） Amounts have been rounded down to the unit indicated.
（note2） Total required capital = Total risk-weighted assets * 4%

－9－

As of
Dec. 31, 2014
12.00%
271,332
273,6322,300
2,260,819
90,432

As ofMar. 31, 201511.69%
272,831279,778
6,947
2,332,561
93,302SURUGA bank, Ltd.

(4) Composition of owned capital (domestic standard)(Unit: Millions of Yen）
As of Dec. 31, 2015
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 and retained earnings
Capital and capital surplus
Retained earnings
Treasury stock（△）
Accumulated other comprehensive income included in Core Capital
Defined-benefit pension fund net assets (prepaid pension costs)
Subscription rights to acquire common stock or preferred stock mandatorily convertible
into common stock
Adjusted non-controlling interests, etc. (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 transitional arrangement
included in Core Capital: instruments and reserves
Eligible capital instrument subject to transitional arrangement included in Core 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 and reserves
Non-controlling interests included in Core Capital subject to transitional arrangementsCore Capital: instruments and reserves①
Core Capital: regulatory adjustments(2)
Total intangible fixed assets (net of related tax liability, excluding those relating tomortgage 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 arising from temporary
differences (net of related tax liability)
Shortfall of eligible provisions to expected losses
Capital increase due to securitization transactions
Gains and losses due to changes in own credit risk on fair valued liabilities
Prepaid pension cost
Defined-benefit pension fund net assets (prepaid pension costs)
Investments in own shares (excluding those reported in the Net Assets)
Reciprocal cross-holdings in capital instruments issued by Other Financial Institutions forraising capital that are held by the Bank
Investments in the capital of banking, financial and insurance entities that are outside thescope of regulatory consolidation ('Other Financial Institutions'), net of eligible shortpositions, where the bank does not own more than 10% of the issued share capital('Non-significant Investment') (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 transitional arrangements
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 _Defined-benefit pension fund net assets (prepaid pension costs)
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
Capital adequacy ratio( ③ / ④ )Capital adequacy ratio (consolidated)
Capital adequacy ratio (consolidated)( ③ / ④ )－ 10 －

269,683

273,889

48,629221,855801――

30,043244,647
801
635
635

75

75

―
12,323
12,323―
14,955
14,955

―

―

―

―

―

―

―
―
282,082―
1,979
291,535

3,789

15,1595,957

15,413

―

―

2,103

―

3,789

15,1593,853

15,413

―

―

―

―

―
25
―
374
―
1

―
―
―
1,499
―
―

―
25
―
―
986
1

―
―
―
―
3,947
―

―

―

―

―

―

―

―

―

―
―
4,192

―
―

―
―
6,972

―
―

277,889284,5632,098,130
24,4622,100,471
28,68822,26022,634―2,201――
186,302――2,284,432

258
―
5,796
―
214,469――
2,314,941

12.16%――

12.29%SURUGA bank, Ltd.

(5) Unrealized gains and losses on securities 【Non-consolidated】(Unit: Millions of Yen)
As of Dec. 31, 2015

As of Dec. 31, 2014

As of Mar. 31, 2015

MarketUnrealized gains (losses)

MarketUnrealized gains (losses)

Market

Value

Gains

Losses

Value

Gains

LossesValue

Unrealized gains (losses)
Gains

LossesOther securities

80,50931,25531,527271

70,791

25,06025,779718

73,05230,82031,271451

Stocks54,79729,221

29,25534

47,95921,65922,337677

52,687

26,794

27,209

414

Bonds

3,788

47

48

0

2,513

48

49

0

1,933

40

40

0

Others21,924

1,987

2,223

235

20,318

3,352

3,393

40

18,431

3,985

4,021

36

(note1) Amounts have been rounded down to the unit indicated.
(note2) There are no stocks of subsidiaries and affiliates with market values.
(note3) Unrealized gains and losses are the balance between market value at the end of the period and acquisition cost.
(note4) Unrealized gains and losses of held-to-maturity bonds are as follows.

(Unit: Millions of Yen)
As of Dec. 31, 2015

Held-to-maturity
bonds

As of Dec. 31, 2014

As of Mar. 31, 2015

Book

Unrealized gains (losses)

Book

Unrealized gains (losses)

Book

Unrealized gains (losses)

Value

Gains

Losses

Value

Gains

Losses

Value

Gains

53

145,16217

71

145,080

△43

9

△53

145,141△162

Losses0162(6) Balance of individual deposit assets 【Non-consolidated】(Unit: Millions of Yen)

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

As ofDec. 31, 2015
(A)
3,259,918
3,038,891
221,026
6,352
15,606124,200
59,78415,082
6.7 %(A) - (B)(note) Amounts have been rounded down to the unit indicated.

－ 11 －

136,054
171,059△35,006△1,242△10,284△8,334△16,217
1,070(A - B)
/ (B)
4.3 %
5.9 %
△13.6 %
△16.3 %
△39.7 %
△6.2 %△21.3 %
7.6 %
△1.4 %

As of
Dec. 31, 2014
(B)
3,123,864
2,867,832
256,032
7,594
25,890132,534
76,001
14,0128.1 %As of
Mar. 31, 2015
3,131,343
2,882,275
249,068
7,146
22,325
134,307
71,00014,288
7.9 %SURUGA bank, Ltd.

(7) Balance of deposits and loans 【Non-consolidated】

Deposits (Term-end balance)
Individual deposits

As ofDec. 31, 2015
(A)
4,058,746
3,045,244

Loans and bills discounted(Term-end balance)
Consumer loans
Housing loans

Deposits (Average balance)
Loans and bills discounted(Average balance)(A - B)/ (B)(A) - (B)

(Unit: Millions of Yen)
As of
As of
Dec. 31, 2014
Mar. 31, 2015
(B)
3,866,548
3,959,197
2,875,426
2,889,421

192,198
169,818

4.9 %
5.9 %

3,082,228

119,287

4.0 %

2,962,941

3,011,310

2,722,231
1,972,316

139,399
7,566

5.3 %
0.3 %

2,582,832
1,964,750

2,610,205
1,956,248

For the nine months
ended Dec. 31, 2015
(A)
3,994,532

199,209

For the nine months
ended Dec. 31, 2014
(B)
5.2 %
3,795,323

117,312

4.0 %(A - B)/ (B)(A) - (B)

2,984,856

2,867,544

Fiscal Year2014
3,813,149
2,883,802(Unit: Billions of Yen)
For the nine months
ended Dec. 31, 2015
New consumer loans

Fiscal Year
2014

333.6

393.2

(Reference） Bank agent service for Japan Post Bank

(Unit: Billions of Yen)

For the nine months
ended Dec. 31, 2015
New housing loans

Fiscal Year
2014

24.7

34.8

（note） Amounts have been rounded down to the unit indicated.

(8） Interest margins 【Non-consolidated】(All business)

Yield on loans and bills discounted
Yield on deposits
Loan-deposit margin(after deduction from expense ratio)
Net interest margin（Unit: %）For the nine months
ended Dec. 31, 2015
(A)
3.54
0.11

0.07
0.01

For the nine months
ended Dec. 31, 2014
(B)
3.47
0.10

2.28

0.14

2.14

2.19

1.42

0.11

1.31

1.35

(A) - (B)(Domestic business)

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

Fiscal Year
2014
3.49
0.10

（Unit: %）For the nine months
ended Dec. 31, 2015
(A)
3.55
0.10

0.07
0.00

For the nine months
ended Dec. 31, 2014
(B)
3.48
0.10

2.28

0.13

2.15

2.20

1.46

0.12

1.34

1.39

(A) - (B)－ 12 －

Fiscal Year
2014
3.51
0.10