February 7, 2017

SURUGA bank, Ltd.
Consolidated financial results for the nine months ended December 31, 2016
<under Japanese GAAP>
Stock exchange listings: Tokyo (code: 8358)
URL:
http://www.surugabank.co.jp
Representative:
Akihiro Yoneyama, President(Amounts and percentages are rounded down to the nearest million yen and first decimal places, respectively.)

1. Consolidated financial results for the nine months ended December 31, 2016(％ represents the change from the same period in the previous fiscal year)(1) Consolidated operating results
Ordinary income

Profit attributableto owners of parent

Ordinary profit

Nine months ended
Millions of yen％
Millions of yen％
December 31, 2016
107,978
4.2
44,346
3.5
December 31, 2015
103,561
8.2
42,828
11.6(Note) Comprehensive income: (a) Nine months ended December 31, 2016: ¥32,617 million [14.6 %](b) Nine months ended December 31, 2015: ¥28,452 million [(4.7) %]Net income per share
Nine months ended
December 31, 2016
December 31, 2015

Millions of yen

31,72328,188

％

12.5
17.3

Net income per share (diluted)
yen

yen

137.01
119.26136.95119.16(2) Consolidated financial position
Total assets

Total net assets

Net assets ratio

As ofMillions of yen
Millions of yen
December 31, 2016
4,488,803
330,159
March 31, 2016
4,390,146
302,237(Reference) Shareholders’ equity: (a) As of December 31, 2016: ¥327,755 million(b) As of March 31, 2016: ¥300,031 million

％

7.3
6.8

(Note) Net assets 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 stockst

Dividends per share
2 quarter-end
3rd quarter-end Fiscal year-end
nd

1 quarter-end
Fiscal year
yen
yen
ended March 31, 2016―
9.50
ending March 31, 2017―
10.00
ending March 31, 2017 (forecast)(Note) Revision of 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 previous fiscal year)

Ordinary income

Fiscal year ending
Millions of yen％
Millions of yen
March 31, 2017
141,000
1.1
56,500(Note) Revision of earnings forecasts from the latest announcement: No

Net income
per share

Profit attributableto owners of parent

Ordinary profit％

0.1

Millions of yen

37,200

％

1.3

yen

160.66

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

(3) Changes in accounting policies, changes in accounting estimates and restatements(A) Changes in accounting policies due to revision of accounting standards: No(B) Changes in accounting policies due to reasons other than (A): No(C) Changes in accounting estimates: No(D) Restatements: No(4) Number of issued shares (common stock)(A) Number of issued shares
As of Dec. 31, 2016
(including treasury shares):232,139,248 shares

As of Mar. 31, 2016

232,139,248 shares(B) Number of treasury shares:

As of Dec. 31, 2016

601,436 shares

As of Mar. 31, 2016

659,080 shares(C) Average number of shares:

Nine months ended
Dec. 31, 2016

231,524,491 shares

Nine months ended
Dec. 31, 2015

236,350,136 shares（Disclosure regarding the execution of the quarterly review process）
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 process of the quarterly financial statements has not been completed as of this disclosure in this report.

(Explanation on appropriate use of forecast and other special items)
The performance forecasts and other forward-looking statements in this report are based on information currently available to the company andon 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)

Table of Contents
1. Qualitative information on financial results ...........................................................................................2(1) Details of operating results.............................................................................................................2(2) Details of financial position ...........................................................................................................2(3) Information on forecast information, including earnings forecasts. ............................................2
2. Items regarding summary information (Notes) .....................................................................................3(1) Adoption of any particular accounting methods for quarterly consolidated financial statements ...........3(2) Changes in accounting policies, changes in accounting estimates and restatements ..................3(3) Additional information ...................................................................................................................3
3. Consolidated financial statements ..........................................................................................................4(1) Consolidated balance sheets ..........................................................................................................4(2) Consolidated statements of income and Consolidated statements of comprehensive income ................5(3) Notes on going-concern assumption .............................................................................................7(4) Notes for material changes in shareholders’ equity ......................................................................7
Supplementary Information:“Financial Results for the nine months ended December 31, 2016” ....................................................8−1−

SURUGA bank, Ltd.

1. Qualitative information on financial results(1) Details of operating results
As for the consolidated operating results for the nine months ended December 31, 2016, ordinary
income was ¥107.978 billion, up by ¥4.417 billion year-on-year. This was mainly due to an increase
in interest income on the back of the rise in interest on loans and discounts. Ordinary expenses
increased by ¥2.900 billion year-on-year to ¥63.632 billion, mainly due to an increase in general andadministrative expenses.
As a result, ordinary profit increased by ¥1.518 billion year-on-year, to ¥44.346 billion.
Profit attributable to owners of parent increased by ¥3.535 billion year-on-year, to ¥31.723 billion.

(2) Details of financial position
As for the major account balances as of December 31, 2016 on a consolidated basis, loans andbills discounted came in at 3,201.695 billion, up by ¥64,531 billion from March 31, 2016. This was
mainly due to an increase in consumer loans (non-consolidated) of ¥95.295 billion.
Securities decreased by ¥56.291 billion from March 31, 2016, to 173.787 billion.
Deposits increased by ¥76.020 billion from March 31, 2016, to 4,125.514 billion, mainly due tothe growth in individual deposits of ¥104.409 billion.

(3) Information on forecast information, including earnings forecasts
The earnings forecasts for the fiscal year ending March 31, 2017 remains unchanged from thoseannounced on November 9, 2016.
Consolidated

Ordinary income
Ordinary profit
Profit attributable toowners of parent(Billions of yen)
For the fiscal year
ending Mar. 31, 2017
(forecast)
141.0
56.5
37.2

Non-consolidated

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

Actual credit costs

4.5(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 bereasonable, and are not intended 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 any particular accounting methods for 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 nine months ended December 31, 2016 with the reasonably
estimated effective tax rate after applying tax effect accounting to income before income taxes forthe fiscal year ending March 31, 2017, including the current third quarter.

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

(3) Additional information(Application of “Implementation Guidance on Recoverability of Deferred Tax Assets”)
The company has applied “Implementation Guidance on Recoverability of Deferred Tax
Assets” (Accounting Standards Board of Japan “ASBJ” Guidance No.26, March 28, 2016),
effective from the first quarter of the fiscal year ending March 31, 2017.
(Partial changes to the retirement benefit plan)
On October 1, 2016, the company partially shifted from a defined benefit corporate pension
plan to a defined contribution pension plan, and lowered the benefit interest rate assumption. 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) have been
applied regarding these changes. The financial impact resulted in the booking of an extraordinary
income of ¥2.134 billion through the third quarter.

−3−

SURUGA bank, Ltd.

3. Consolidated financial statements(1) 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
Dec. 31, 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

978,699
3,409
63
1,137
173,787
3,201,695
2,315
5,460
50,56751,741
28,859
7,849
1,832
3,628
(22,245)4,488,803

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

4,125,514
1,725
0
23,409
11
271
3,230
172
236
441
3,628
4,158,643

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

30,043
5
280,159(686)
309,52117,700(171)
703
18,23342
2,362
330,159
4,488,803

SURUGA bank, Ltd.

(2) Consolidated statements of income and Consolidated statements of comprehensive income(2) Consolidated statements of income
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
42,82899368368
42,46914,09028,378190
28,188

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 revision of retirement benefit plan
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−（Millions of yen）
For the nine months
ended
Dec. 31, 2016
107,978
93,30690,313
2,195
10,113
3,311
1,247
63,632
3,253
3,092
10,4302,739
39,145
8,063
44,346
2,170
36
2,134
273
273
46,243
14,326
31,917
193
31,723

SURUGA bank, Ltd.

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−（Millions of yen）
For the nine months For the nine months
ended
ended
Dec. 31, 2015
Dec. 31, 2016
28,37831,917
511
(2)
(435)
73
28,452

1,602
(88)
(814)
700
32,61728,212240

32,399217

SURUGA bank, Ltd.

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

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

−7−

SURUGA bank, Ltd.

Financial Results for the nine months ended December 31, 2016
- Supplementary Information (1) Summary of income (Non-consolidated)

Gross operating profit
Net interest income
Net fees and commissions
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 nine months ended
Dec. 31, 2016
Dec. 31, 2015
(A)
(B)
83,43079,304
84,59880,543(1,368)(2,078)
201
838
(
147
781
83,28378,522
36,10934,712
13,892
13,787
19,14018,19447,174
43,810(A) - (B)
4,126
4,055
710
(637)
(634))
4,761
1,397
105
946
3,364

(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

(71)

-

(71)

-

47,39344,591

2,802

59,403

Non-recurring gains (losses)
Gains (losses) on stocks(3,966)(61)(3,147)
182

(819)
(243)

(4,969)182

Ordinary profit

43,42641,443

1,983

54,432Extraordinary gains (losses)
Income before income taxes
Income taxes (Note4)

1,913
45,34013,919(349)
41,093
13,519

2,262
4,247
400

(461)
53,97018,163

Net income

31,42027,5733,847

35,807

4,061

3,641

420

5,029

(71)

-

(71)

-

4,132

3,752

380

5,713

-

110

(110)

684

657
3,403

454
3,187

203
216

618
4,411

(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)(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.
For the nine months ended December 31, 2015, the net amount of Reversal of general allowance for loan
losses and Provision 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.
(Note4) Income taxes for the fiscal year ended March 31, 2016 are the total amount of 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) Non-performing loans based on the Financial Reconstruction Law (Non-consolidated)
As ofDec. 31, 2016 Dec. 31, 2015

(Millions of yen)
As ofMar. 31, 2016

Claims against bankrupt and substantiallybankrupt obligors

7,482

7,517

7,144

Claims with collection risk

13,67016, 328

15,914Claims for special attention

12,985

18,23014,989Total (Non-performing loans based on the
Financial Reconstruction Law)

34,13842,07638,047

The ratio of non-performing loans to total
claims (Non-performing loans ratio)

1.05 %

1.35 %

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 and bills discounted”)(Note2) The figures shown in the table above are based on the claims classification as defined in Article 4 of the“Ordinance for Enforcement of the Act on Emergency Measures for the Revitalization of Financial
Functions”.
(Note3) Relation among classification of obligors, etc.
(a) ”Claims against bankrupt and substantially bankrupt obligors” correspond to the claims against“Effectively bankrupt obligors” or “Bankrupt obligors” under self-assessment.
(b) ”Claims with collection risk” correspond to the claims against “Potentially bankrupt obligors” underself-assessment.
(c) ”Claims for special attention” correspond to the claims which are against “Obligors requiring caution”
under self-assessment and classified as “Loans past due 3 months or more” or “Restructured loans”.

(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 ofDec. 31, 2016
Dec. 31, 201512.76 %
12.16 %
307,604
277,889
316,887
282,0829,283
4,192
2,410,115
2,284,432
96,404
91,377(Millions of yen)
As ofMar. 31, 201611.56 %
279,243
287,803
8,559
2,415,107
96,604

Consolidated
As ofDec. 31, 2016
Dec. 31, 2015
Capital adequacy ratio
12.93 %
12.29 %
Own capital (Core capital)
315,410284,563Core capital: instruments and reserves
327,070
291,535
Core capital: regulatory adjustments (-)
11,660
6,972
Risk-weighted assets
2,439,114
2,314,941
Total required capital
97,564
92,597(Note) Total required capital = Risk-weighted assets × 4 %−9−(Millions of yen)
As ofMar. 31, 201611.67 %
286,042
297,390
11,3482,449,032
97,961SURUGA bank, Ltd.

(4) Composition of own capital (domestic standard)(Millions of yen)
As of December 31, 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
and reserves
Non-controlling interests included in Core capital subject to transitionalarrangementsCore capital: instruments and reserves(A)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 securitization 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 thatare outside 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 adjustments(B)
Total capital
Total capital
(A-B)
(C)
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 assets(D)
Capital adequacy ratio (non-consolidated)
Capital adequacy ratio (non-consolidated)(C/D)
Capital adequacy ratio (consolidated)
Capital adequacy ratio (consolidated)(C/D)− 10 −

304,718

309,52148,634
256,770686-

30,048280,159
686
281
281

42

42

-

-

12,125
12,125

15,335
15,335

-

-

-

-

-

-

-

-

-

1,889

316,887

327,070

7,374

11,061

9,470

11,243

-

-

1,974

-

7,374

11,061

7,495

11,243

-

-

-

-

1,907
2

2,860
-

2,188
2

3,282
-

-

-

-

-

-

-

-

-

9,283

-

11,660-307,604

315,4102,208,825

2,209,466

21,82522,672

15,87016,131

1,851
4,104
201,2892,410,115

1,832
4,709
229,648
2,439,114

12.76 %--

12.93 %SURUGA bank, Ltd.

(5) Unrealized gains and losses on securities (Non-consolidated)(Millions of yen)
As of Dec. 31, 2016

As of Dec. 31, 2015

Fair
value

Unrealized gains (losses)

86,540Gains

LossesFair
value

24,44325,073630

80,50948,48322,90723,300392

Bonds

29,434(59)

68

Others

8,622

1,595

1,704

Other
securities
Stocks

As of Mar. 31, 2016

Unrealized gains (losses)
Gains

LossesFair
value

31,25531,527271

74,182

54,79729,221

29,255

34

128

3,788

47

48

109

21,924

1,987

2,223

Unrealized gains (losses)
Gains

Losses

22,02923,7481,719

47,61022,034

22,343

308

0

6,163

85

87

1

235

20,408

(90)

1,318

1,408

(Note1) Not measured at fair value, the stocks of subsidiaries and affiliates are not included.
(Note2) Unrealized gains (losses) represent the difference between the fair value as of period-ends and acquisition
costs.
(Note3) Unrealized gains (losses) on held-to-maturity bonds are as shown in the table below.
(Millions of yen)
As of Dec. 31, 2016
Book
value
Held-tomaturity
bonds

75,006

As of Dec. 31, 2015

Unrealized gains (losses)

74

Gains

Losses74-

As of Mar. 31, 2016

Unrealized gains (losses)

Book
value

Gains

145,080(43)

Losses

9

Book
value

Unrealized gains (losses)

53 145,059

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 ofDec. 31, 2016
(A)
3,374,549
3,183,768
190,780

114,631
144,877(30,246)

3.5 %
4.7 %
(13.6) %As ofDec. 31, 2015
(B)
3,259,918
3,038,891
221,026

6,547

195

3.0 %

6,352

6,326

11,067111,210(4,539)(12,990)(29.0) %(10.4) %15,606124,200

14,174
119,479

47,534(12,250)(20.4) %59,78456,494

14,420(662)(4.3) %

15,082

14,997(1.1) %

6.7 %

6.4 %

(A) - (B)

5.6 %− 11 −(A - B)
/ (B)

As of
Mar. 31, 2016
3,291,053
3,079,581
211,472SURUGA bank, Ltd.

(7) Deposits and loans (Non-consolidated)(Millions of yen)

As ofDec. 31, 2016
(A)(A) - (B)

4,134,368

75,622

3,190,316

Deposits(period-end balance)
Individual deposits
Loans and bills discounted(period-end balance)
Consumer loans
Housing loans

As ofDec. 31, 2015
(B)

As of
Mar. 31, 2016

1.8 %4,058,746

4,056,482

145,072

4.7 %

3,045,244

3,085,907

3,201,390

119,1623.8 %

3,082,228

3,137,614

2,867,593
2,027,951

145,362
55,635

5.3 %
2.8 %

2,722,231
1,972,316

2,772,298
1,993,219

For the ninemonths ended
Dec. 31, 2015
(B)

For the fiscal
year ended
Mar. 31, 2016

(A - B)/ (B)For the ninemonths ended
Dec. 31, 2016
(A)(A) - (B)

4,048,985

54,453

1.3 %

3,994,532

4,012,610

3,120,623

135,767

4.5 %

2,984,856

3,004,008

Deposits(average balance)
Loans and bills discounted(average balance)

For the nine months
ended Dec. 31, 2016
New consumer loans(A - B)/ (B)(Billions of yen)
For the fiscal year
ended Mar. 31, 2016

347.7

465.5

(Reference) Bank agent service for Japan Post Bank

For the nine months
ended Dec. 31, 2016
New housing loans(Billions of yen)
For the fiscal year
ended Mar. 31, 2016

28.3

36.3

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

Yield on loans and bills discounted
Yield on deposits
Loan-deposit margin(after deduction of expenses)
Net interest margin

For the ninemonths ended
Dec.31, 2016
(A)
3.61
0.10

0.07
(0.01)For the ninemonths ended
Dec. 31, 2015
(B)
3.54
0.11

2.32

0.04

2.28

2.30

1.50

0.08

1.42

1.43

(A) - (B)For the fiscal
year ended
Mar. 31, 2016
3.56
0.11

Domestic(%)

Yield on loans and bills discounted
Yield on deposits
Loan-deposit margin(after deduction of expenses)
Net interest margin

For the ninemonths ended
Dec. 31, 2016
(A)
3.61
0.09

0.06
(0.01)For the ninemonths ended
Dec. 31, 2015
(B)
3.55
0.10

2.34

0.06

2.28

2.31

1.54

0.08

1.46

1.47

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