24.

SEGMENT INFORMATIONUnder ASBJ Statement No.17, “Accounting Standard for Segment Information Disclosures” and ASBJ Guidance No.20, “Guidance on Accounting Standard for Segment Information Disclosures,” an entity is required to report financialand descriptive information about its reportable segments. Reportable segments are operating segments or aggregations of operating segments that meet specified criteria. Operating segments are components of an entity about whichseparate financial information is available and such information is evaluated regularly by the chief operating decision maker in deciding how to allocate resources and in assessing performance. Generally, segment information is requiredto be reported on the same basis as is used internally for evaluating operating segment performance and deciding how to allocate resources to operating segments.
Year Ended March 31, 20151. Description of reportable segmentsThe Group’s reportable segments are those for which separate financial information is available and regular evaluation by the Board of Directors is being performed in order to decide how resources are allocated among the Group.
The Bank concentrates on the banking business, and also conducts other financial services business including leasing. Therefore, the Group’s reportable segments consist of Banking and Leasing.
Banking consists of deposit business, loan business, foreign (domestic) exchange business, and securities business.
Leasing consists of a leasing business.
2. Methods of measurement for the amounts of ordinary income, profit (loss), assets and other items for each reportable segmentThe accounting policies of each reportable segment are consistent with those disclosed in Note 2, “Summary of Significant Accounting Policies”.
3. Information about ordinary income, profit (loss), assets and other items is as follows.

Millions of Yen2015Reportable segment
BankingOrdinary income:Outside customers¥Intersegment

64,407

Leasing¥Total12,203¥76,611Other¥Total1,531¥78,143Reconciliations¥

Consolidated¥

78,1432398761,116

547

1,663(1,663)

64,64713,08077,7272,07879,806(1,663)78,143Segment profit18,41181019,22168019,901(53)19,848

Segment assets4,054,99233,9434,088,935

14,2484,103,184(26,936)

4,076,248

TotalOther:Depreciation

¥

4,540

¥61¥4,601¥24¥4,626¥¥

4,626Interest income and dividends46,7344046,774

11846,892(160)

46,732Interest expenses

2,2681522,420

7

2,427(220)2,207

47Millions of Yen2014Reportable segmentBankingOrdinary income:Outside customers¥Intersegment

65,642

Leasing¥Total11,817¥77,459Other¥Total1,570¥79,030Reconciliations¥Consolidated¥79,0302281,0221,250

546

1,796(1,796)

65,87012,83978,7102,11680,827(1,796)79,030Segment profit13,04383013,87480914,683(37)14,646

Segment assets3,868,17333,8013,901,974

14,644

3,916,619(26,654)

3,889,964

TotalOther:Depreciation

¥

5,063

¥74¥5,137¥22¥5,160¥¥

5,160Interest income and dividends46,9153646,952

13547,087(146)

46,941Interest expenses2,2421632,4055

2,410(232)

2,178

TotalReconciliationsConsolidated650,272$Thousands of U.S. Dollars2015Reportable segment
BankingOrdinary income:Outside customers$

535,969

Leasing$

101,555Total$637,525

Other$12,746$$

650,272

1,9947,2979,2914,553

13,845(13,845)537,964

108,852

646,81617,300664,117(13,845)

650,272Segment profit153,2116,742159,9545,660165,614(441)

165,173Segment assets33,743,797282,46434,026,261118,57134,144,833(224,151)

33,920,681Intersegment
TotalOther:
Depreciation$

37,787$507$38,295$200$38,495$$38,495

Interest income and dividends

388,899332389,231981

390,213(1,331)

388,882

Interest expenses18,8731,26420,1385820,196(1,830)

18,365Note: 1. The “Other” segment contains business that is not included in these reportable segments, such as the guarantee and credit card business.
2. Reconciliations were eliminations of intersegment transactions.
3. Segment profit represents profit which is deducted for certain special income and loss from income before income taxes and minority interests in the accompanying consolidated statement of income.

48Related Information for the year ended March 31, 2015Segment information by servicesMillions of Yen2015
SecuritiesinvestmentbusinessLoanbusinessOrdinary income fromexternal customers¥36,866¥Leasing
business14,443¥12,123Other¥

14,708Total¥78,143Millions of Yen2014
SecuritiesinvestmentbusinessLoanbusinessOrdinary income fromexternal customers¥36,919¥Leasing
business15,396¥11,629Other¥15,084Total¥79,030Thousands of U.S. Dollars2015
SecuritiesinvestmentbusinessLoanbusinessOrdinary income fromexternal customers$306,787$

120,196

Leasingbusiness$

100,889Other$122,398Total$650,27249