Financial Results for the Second Quarter of the Fiscal Year ending March 31, 2016
(Consolidated Data)
November 11, 2015

Company Name: Senshu Ikeda Holdings, Inc.
Stock Code:
8714
President and Representative Director:
For inquiries:
Scheduled date for filing quarterly securities report:
Scheduled date to commence dividend payments:
Segregated trading accounts:
Supplementary material on quarterly financial results:
Quarterly financial results presentation meeting:Stock exchange listing: Tokyo Stock Exchange
URL
http://www.senshuikeda-hd.co.jp/
Hirohisa Fujita
Tsutomu Irie, General Manager of the Corporate Planning Division
Telephone: +81-6-4802-0013
November 26, 2015
December 7, 2015
None
Yes (Selected financial information)
Yes (Analysts, institutional investors)(Japanese yen amounts of less than 1 million and first decimal place have been rounded down)

1. Financial Results for the Second Quarter (Interim period) of the Fiscal Year ending March 31, 2016
(April 1, 2015 － September 30, 2015)(1) Consolidated Operating Results(%: Changes from previous fiscal year)
Profit attributable toOrdinary revenue
Ordinary income
owners of the parent
Million yen%
Million yen%
Million yen%
Six months ended
56,03910.5
10,296
6.5
8,596
6.1
September 30, 2015
Six months ended
50,709
(5.8)
9,667
34.4
8,099
43.3
September 30, 2014
(Note) Comprehensive income: Six months ended September. 30, 2015
(1,090)million yen[ (－％) ]Six months ended September. 30, 2014
18,426 million yen[ (－％) ]Six months ended
September 30, 2015
Six months ended
September 30, 2014

Net income
per share
Yen

Diluted earnings
per share
Yen

29.13

25.15

34.10

34.08

(2) Consolidated Financial Position

As of September 30, 2015
As of March 31, 2015

Total assets
Million yen
5,408,936
5,519,533

Total net assets
Million yen
249,548234,788

Equity ratio
%
4.4
4.0

(Reference) capital: As of September 30, 2015 : 241,142million yen ; As of March 31, 2015 : 226,232 million yen
Note: “Equity ratio” is calculated as: (Total net assets at the end of period － Stock subscription rights at the end of period － Non-controllinginterests at the end of period)/ Total assets at the end of period.
The ratio above is not based on the regulation of Capital Adequacy Ratio.

2. Dividends
First
Quarter
Yen
Fiscal Year ended
March 31, 2015
Fiscal Year ended
March 31, 2016
Fiscal Year ending
March 31, 2016
(Forecasts)

Annual Dividends per Share
SecondThird
Year
Quarter
Quarter
End
Yen
Yen
Yen

－

0.00

－

7.50

Total
Yen

－

15.00

15.00

－

7.50

15.00

Note: Revisions of the forecasts from recently announced figures: No
Please refer to “Cash Dividends for Shareholders of Classified Stock” stated hereinafter for information on classified stock (unlisted) which hasdifferent rights relation from that of common stocks.

3. Financial Forecasts for the Fiscal Year ending March 31, 2016 (April 1, 2015－March 31, 2016)(%: Changes from corresponding period of previous fiscal year)
Profit attributable to
Net income per share
Ordinary revenue
Ordinary income
owners of the parent
Million yen%
Million yen%
Million yen%
Yen
Full Year
110,000(3.7)
22,0003.0
18,000
2.3
60.38
Note
(1) Changes in significant subsidiaries during the second quarter of the fiscal year ending March 31, 2016 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Added －(company name)－
Excluded－(company name)－(2) Changes in accounting policies, changes in accounting estimates, and retrospective restatements(a) Changes in accounting policies due to revision of accounting standards etc. :Yes(b) Changes in accounting policies other than those noted in (a) above :None(c) Changes in accounting estimates :None(d) Retrospective restatements :None(3) Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of September 30, 2015
As of March 31, 2015

281,008,632 shares
238,458,632 shares(b) Number of treasury shares
As of September 30, 2015
As of March 31, 2015

238,067 shares
438,304 shares(c) Average number of shares for the period under review (interim period)
Six months ended September 30, 2015
Six months ended September 30, 2014

273,579,450 shares
237,505,341 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the SecondQuarter(Interim period) of the Fiscal Year ending March 31, 2016 (April 1,
2015－September 30, 2015)(1) Non-consolidated Operating Results(%: Changes from previous fiscal year)
Operating revenue
Operating income
Ordinary income
Net income
Millionyen%
Millionyen%
Millionyen%
Millionyen%
Six months ended
5,932
1.1
5,561
1.4
5,377
(1.3)
5,374
(1.1)
September 30, 2015
Six months ended
5,867 (44.5)
5,479 (46.0)
5,451 (46.1)
5,436 (46.1)
September 30, 2014
Net income
per share
Yen

Six months ended
September 30, 2015
Six months ended
September 30, 2014

17.35
22.88

(2) Non-consolidated Financial Conditions
Total assets
Million yen
As of September 30, 2015
211,580
As of March 31, 2015
190,847

Total net assets
Million yen
210,285
188,813Equity ratio
%
99.3
98.8

(Reference) Capital: As of September 30, 2015: 210,208 million yen; As of March 31, 2015: 188,743 million yen
Note: “Equity ratio” is calculated as: (Total net assets at the end of the period － Stock subscription rights at the end of period)/ Total assets at the endof the period.

2. Non-Consolidated Performance Forecasts for the Fiscal Year ending March 31, 2016 (April 1, 2015－March 31, 2016)(%: Changes from corresponding period of previous fiscal year)
Operatingrevenue
Operatingincome
Ordinaryincome
NetincomeNetincome per share
Full Year

Millionyen%

Millionyen%

Millionyen%

Millionyen

%

Yen

6,200

1.0

5,500

0.4

5,500

1.3

5,500

1.6

15.28

Disclosure concerning the implementation status of audit proceduresThis report is exempt from audit procedures based upon the Financial Instruments and Exchange Act of Japan. As of this report’s
publication, audit procedures of financial statements have not been completed as stipulated under the provisions of the Financial
Instruments and Exchange Act.
Cautionary statement with respect to earnings forecasts, and disclaimer
This report contains projections and other forward-looking statements which are based on currently available information and certain
assumptions that the Senshu Ikeda Holdings considers to be reasonable. Various factors may cause actual results to be materiallydifferent from projections in these forward-looking statements.

○Cash Dividends for Shareholders of Classified Stock
Cash dividends per share for shareholders of classified stock which has different rights relation from that of common stocks are as follows:(Third-class preferred stock)

Fiscal Year ended
March 31, 2015
Fiscal Year ending
March 31, 2016
Fiscal Year ending
March 31, 2016
(Forecasts)

First
Quarter
Yen

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

Year
End
Yen

－

－

－

70.70

70.70

－

35.00
－

35.00

70.00

Dividends per share
Third
Quarter
Yen

Year
End
Yen

Total

Total
Yen

(First series of seventh-class preferred stock)
First
Quarter
Yen

SecondQuarter
Yen

Yen
Fiscal Year ended
March 31, 2015
Fiscal Year ending－
14.51
March 31, 2016
Fiscal Year ending
March 31, 2016
－
15.00
29.51
(Forecasts)(Note) As we issued first series of seventh-class preferred stock on April 7, 2015, we do not describe the dividends of fiscal year ended
March 31, 2015.

Consolidated Financial Statements(1) Consolidated Balance Sheets(Unit: Millions of yen)

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchange assets
Other assets
Tangible fixed assets
Intangible fixed assets
Net defined benefit assets
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Corporate bonds and notes
Other liabilities
Provision for employees’ bonuses
Net defined benefit liability
Accrued retirement benefits for directors and corporate auditors
Reserve for reimbursement of deposits
Reserve for point services
Reserve for contingent losses
Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Stock subscription rights
Non-controlling interests
Total net assets
Total liabilities and net assets

As of March 31, 2015

As of September. 30,
2015544,513616
87
177
27,0001,139,284
3,672,521
6,321
65,83537,276
7,470
16,014
17,22417,098(31,907)5,519,533

584,679666
96
205
27,295998,814
3,673,107
6,576
53,52536,566
6,609
16,85818,726
16,406(31,198)
5,408,936

4,737,122
1,543
251,176
159,198
538
70,00045,123
1,682
137
39
409
199
351
1
121
17,0985,284,745

4,718,229－
187,146
119,145263
70,00045,031
1,951
136
39
424
222
292
1
95
16,406
5,159,387

79,811
59,19760,155(253)
198,910
21,101
5
6,214
27,321
69
8,485
234,7885,519,533

102,999
57,361
63,375(138)
223,598
11,777(64)
5,831
17,544
77
8,328
249,548
5,408,936

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
Consolidated Statements of Income(Unit: Millions of yen)

Ordinary revenue
Interest income
Interest on loans and bills discounted
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 income
Extraordinary income
Gain on disposal on non-current assets
Extraordinary loss
Loss on disposal of non-current assets
Impairment loss
Loss on changes in equity interest
Other loss
Income before income taxes
Income taxes - current
Income taxes - deferred
Total income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of the parent

For the Six months
ended September. 30,
2014
50,70929,982
24,351
5,414
10,4593,481
6,785
41,042
4,297
2,981
2,493
1,954
26,181
6,115
9,667
0
0
92
55
36
0
－
9,575
1,038
184
1,222
8,352
252
8,099

For the Six months
ended September. 30,
2015
56,03931,38822,9638,050
10,447
3,845
10,35745,742
4,049
2,420
2,775
7,500
24,6496,768
10,296
－
－
195
24
170
－
0
10,101
447
966
1,413
8,687
91
8,596

Consolidated Statements of Comprehensive Income(Unit: Millions of yen)

ProfitOther comprehensive income
Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income
Comprehensive income attributable to
Owners of the parent
Non-controlling interests

For the Six months
ended September. 30,
2014
8,352
10,073
9,913
(8)
169
18,426

For the Six months
ended September. 30,
2015
8,687
(9,777)(9,324)(70)(382)(1,090)18,182243(1,181)90

(3)Consolidated Statements of Changes in Net Assets
For the six months ended September 30, 2014
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period
Cumulative effect of change in
Accounting policy
Balance at the beginning ofcurrent period which reflects
the change in accounting policy
Changes of items during period

79,811

CapitalsurplusRetainedearnings

59,251

46,949Balance at the beginning ofcurrent period
Cumulative effect of change in
Accounting policy
Balance at the beginning ofcurrent period which reflects
the change in accounting policy
Changes of items during period

Totalshareholders’equity(728)

185,284

466
79,811

59,251466

47,415

Cash dividends
Profit attributable to ownersof the parent
Acquisition of treasury stock
Disposal of treasury stock
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
periodTreasury
stock

(728)

185,750(4,832)(4,832)

8,099

8,099

(46)

(0)

(0)

354

308

―

(46)

3,267

353

3,574

79,811

59,20550,682(375)

189,324

Accumulated other comprehensive incomeNetNet
unrealized
Total
Stock
unrealized Remeasurements ofaccumulated subscription
gain (loss)
gain (loss)
definedotheronrightsonbenefitcomprehensive
availabledeferredplansfor-saleincomehedgessecurities
(147)

1

1,020

875

68

Noncontrollinginterests

Total net
assets

10,168196,397
466

(147)

1

1,020

875

68

10,168

196,863

Cash dividends
Profit attributable to ownersof the parent
Acquisition of treasury stock(4,832)

Disposal of treasury stock
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
period

308

8,099
(0)
9,922

(8)

169

10,082(15)

210,070

9,922

(8)

169

10,082(15)

213,644

9,775

(6)

1,189

10,95853

10,171

210,508

For the six months ended September 30, 2015
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period
Change of items during period
Issuance of capital stock

CapitalsurplusRetainedearnings

79,811

59,19760,15523,18723,187

Cash dividends
Profit attributable to ownersof the parent
Acquisition of treasury stock
Disposal of treasury stock
Retirement of treasury stock
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
periodBalance at the beginning ofcurrent period
Change of items during period

Treasury
stock

Total
shareholders’equity(253)

198,910
46,375(5,375)(5,375)

8,596

8,596

(3)

(25,021)116(25,021)112(25,020)

25,020―23,187(1,836)

3,220

115

24,687

102,999

57,361

63,375(138)

223,598

Accumulated other comprehensive income
Net
Net
Total
unrealized unrealized Remeasureaccumulated
ments ofgain (loss)
gain (loss)
otherdefinedononcomprehenbenefit
availabledeferred
sive income
plans
for-salehedgessecurities
21,101

5

6,214

27,321Stock
Nonsubscription controllingrightsinterests

69

8,485

Issuance of capital stock
Cash dividends
Profit attributable to ownersof the parent
Acquisition of treasury stock
Disposal of treasury stock
Retirement of treasury stock
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
periodTotal net
assets234,788
46,375(5,375)
8,596(25,021)112―(9,324)

(70)

(382)

(9,777)7(156)(9,926)(9,324)

(70)

(382)

(9,777)7(156)

14,76011,777

(64)

5,831

17,544

77

8,328

249,548

Senshu Ikeda Holdings,Inc.

Selected Financial Information
for the First Half of FY2015（Six months ended September 30, 2015）

Senshu Ikeda Holdings,Inc.

Ⅰ

Second Quarter FY2015 Results (Financial Highlights)

1

Summary of Profit and Loss
(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・・・

1(2) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・・・

1・2

・・・・・・・・・・・

2(3) Senshu Ikeda Tokai Tokyo Securities

Non-consolidated

Information on Main Accounts(1) Loans and Bills Discounted(2) Deposits

Non-consolidated

・・・・・・・・・・・・

3

Non-consolidated

・・・・・・・・・・・・

43
4(3) Assets under Management(4) Securities
Interest Margins
Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated

・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

4
5
6
6

5

ROE

・・・・・・・・・・・

7

6

Capital ratio

27(1) Senshu Ikeda Holdings(domestic standard)

Consolidated

・・・・・・・・・・・

7(2) The Senshu Ikeda Bank(domestic standard)

Non-consolidated
Consolidated

・・・・・・・・・・・

7

FY2015 Financial Forecasts(Senshu Ikeda Holdings and The Senshu Ikeda Bank)(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank

Ⅱ

Second Quarter FY2015 Results (Summary of Financial Results)

1

Financial Results(1) Senshu Ikeda Holdings

2
3
4
5
6
7

・・・・・・・・・・・

9

Consolidated

・・・・・・・・・・・・

10

Non-consolidated

・・・・・・・・・・・

11・12

Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated

・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

13
13
13
14
15

(1) Senshu Ikeda Holdings(domestic standard)

Consolidated
Non-consolidated
Consolidated

・・・・・・・・・・・

16

・・・・・・・・・・・

16

・・・・・・・・・・・・

17・18

・・・・・・・・・・・・

19

・・・・・・・・・・・・

19

・・・・・・・・・・・・

20

Non-consolidated

・・・・・・・・・・・・

21

Non-consolidated

・・・・・・・・・・・

22

Non-consolidated

・・・・・・・・・・・

23

Overview of Loans and Bills Discounted

1

Risk Monitored Loans

2

Reserve for Possible Loan Losses

3

Reserve Ratios for Risk Monitored Loans

4

Status of Credits disclosed under the Financial Revitalization Law
Status of Coverage of Credits disclosed under the Financial
Revitalization Law
Classification of Loans by Industry
Self-assessment, Credits disclosed under the Financial
Revitalization Law and Risk Monitored Loans

78(2) The Senshu Ikeda BankⅢ

6

・・・・・・・・・・・

Banking Profit
ROE
Number of Directors and Employees, and Branches
Gains and Losses on Investment Securities
Net Unrealized Gains (Losses) on Securities
Capital Ratio(2) The Senshu Ikeda Bank(domestic standard)

5

Consolidated
Non-consolidated
Non-consolidated

Non-consolidated
Consolidated
Non-consolidated
Consolidated
Non-consolidated
Consolidated
Non-consolidated(Notes) Recorded amounts are rounded down to the nearest million yen.
The Senshu Ikeda Bank transferred a portion of loans to the business rehabilitation subsidiaries on March 25, 2013.
For this reason, with regard to loans and bills discounted and status of claims under the Financial Revitalization Law, the total amounts of The
Senshu Ikeda Bank and two business rehabilitation subsidiaries are stated as well.

Senshu Ikeda Holdings,Inc.

Ⅰ Second Quarter FY2015 Results (Financial Highlights)
1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings 【Consolidated】(Millions of yen)
For the six months
ended Sep. 30,2014(a)

For the six months
ended Sep. 30,2015(b)(b)-(a)1

Ordinary revenue

50,70956,0395,330

2

Ordinary expenses

41,04245,742

4,700

3Ordinary income

9,667

10,296629

4

Income before income taxes and non-controlling interests

9,575

10,101526

5

Profit attributable to owners of the parent

8,099

8,596

497

6

Comprehensive income

18,426(1,090)(19,516)

7

Net credit costs

1,404

1,319

(85)

(2) The Senshu Ikeda Bank 【Non-consolidated】
Gross profit decreased by ¥3,686 million year-on-year to ¥27,863 million. This was due to increase in net interest
income by ¥1,454 million, increase in net fees and commissions income by ¥47 million, and decrease in net otheroperation income by ¥5,186 million.
Core banking profit increased by ¥3,548 million year-on-year to ¥10,523 million by reduction of expenses. Net credit
costs decreased by ¥482 million year-on-year to ¥382 million. Net gains on equity securities increased by ¥4,119 million
year-on-year to ¥4,312 million.
Ordinary income increased by ¥959 million year-on-year to ¥9,057 million, and net income increased by ¥442 million
year-on-year to ¥8,048 million.
(Millions of yen)
For the six months For the six months
ended Sep. 30,2014 ended Sep. 30,2015
(a)
(b)
1

Gross profit(b)-(a)31,54927,863(3,686)

27,9591,454

2

Net interest income

26,505

3

Net fees and commissions income

3,810

3,857

47

4

Net other operation income

1,233(3,953)(5,186)

23,104

22,338(766)

11,025

11,205180

10,846

9,856

(990)

8,444

5,524

(2,920)56
7
8
9

Expenses(excluding non-recurring expenses)(-)
Personnel expenses (-)
Non-personnel expenses (-)
Banking profit (before provision for general reserve forpossible loan losses)
Core banking profit

10

Net gains (losses) on debt securities

11

Reversal of general reserve for possible loan losses(-)

12

Banking profit

13

Net non-recurring gains (loss)

14

Disposal of non-performing loans

15

Net gains (losses) on equity securities

①

②

6,975

10,523

3,548

1,469

(4,998)(6,467)

447

(30)

(477)

7,997

5,554

(2,443)

101

3,503

3,402

416

412

(4)

193

4,312

4,119

16

Ordinary income

8,098

9,057

959

17

Net extraordinary income (loss)

(78)

(184)

(106)

18

Income before income taxes

8,020

8,873

853

19

Total income taxes (-)

414

824

410

20

Income taxes-current (-)

256

(93)

(349)

21

Income taxes-deferred (-)

157

918

761

7,606

8,048

442

864

382

(482)

22

Net income

23

Net credit costs ①+②- 1 -Senshu Ikeda Holdings,Inc.
(Reference ) Substantial figures after deduction of specific factors
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)Disclosed figures(a)Core gross profit

32,862

2,783

Net interest income

27,9591,454Interest income onloans and deposits

Substantial figures(b)(a) - For the six
months ended
Sep. 30,2014
Net interest incomea
Net gains (losses) from cancellation of hedgingb
investment trust for cross-shareholdings
Net gains (losses) from cancellation of hedging
cinvestment trust for portfolio investment

27,959Ｓｕｂｓｔａｎｔｉａｌ net interest income（a-b-c）

26,919481
559

31,331(1,531)(841)

Net interest income

26,919(1,040)(948)

20,283

－

(798)

6,635

(1,040)

(150)

3,857

－

47

555

(490)

61

Expenses (-)

22,338－(766)Core banking profit

8,992(1,531)(75)

Interest income onloans and deposits

(798)

7,675

2,252

3,857

47

1,045

1,280

Expenses (-)

22,338(766)Core banking profit

10,523

3,548(4,998)(6,467)5,524(2,920)

4,312

4,119

Others

(778)

(239)

Ordinary income

9,057

959

Net extraordinary
income (loss)

(184)

(106)

Income taxes

824

410

Income taxes

Net income

8,048

442

Net income

Net other
operation income

Net gains (losses) on
debt securities
Banking profit (before
provision for general reservefor possible loan losses)
Net gains (losses)
on equity securities

Other
Net fees andcommissions income
Net other operation income

d
e

1,045
489

Ｓｕｂｓｔａｎｔｉａｌ net other operation income(d-e)

555

Net gains (losses) on debt securities(f-g+h)(4,998)Bond futures

Net other
operation income（Breakdown）
Except for bond futures
Net gains (losses) from cancellation of hedging
investment trust for cross-shareholdings
Net gains (losses) from cancellation of hedging
investment trust for portfolio investment

f

248

g

(4,565)h(682)（Net gains (losses) from cross-shareholdings）
Net gains (losses) oni
4,312
equity securities
Net gains (losses) from cancellation of hedgingb
481
investment trust for cross-shareholdings
Net gains (losses) from sales of hedging
g(4,565)
investment trust for cross-shareholdings
Total(i+b+g)
227(b) - For the six
months ended
Sep. 30,2014

Core gross profit

20,283Other
Net fees andcommissions income(b)-(a)Net gains (losses) on
debt securities
Banking profit (before provision
for general reserve for possible
loan losses)
Net gains (losses)
on equity securities

615

5,613

205

9,608

4,084

130

227

(4,085)

1,067

Others

(778)

－

(239)

Ordinary income

9,057

－

959

(184)

－

(106)

824

－

410

8,048

－

442

Net extraordinary
income (loss)(3) Senshu Ikeda Tokai Tokyo Securities 【Non-consolidated】(Millions of yen)
For the six months
ended Sep. 30,2014(a)

For the six months
ended Sep. 30,2015(b)(b)-(a)1

Net operating income

900

1,139

239

2

Administrative expenses

671

823

152

3

Operating income

228

315

87

4

Income before income taxes

228

314

86

5

Net income

143

206

63

- 2 -

Senshu Ikeda Holdings,Inc.

2. Information on Main Accounts
The Senshu Ikeda Bank 【Non-consolidated】
The balance of loans and bills discounted at the end of September 2015 increased by ¥47.8 billion from the end of
September 2014 to ¥3,657.9 billion.
The balance of deposits at the end of September 2015 increased by ¥51.4 billion from the end of September 2014 to¥4,749.9 billion.

(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar. 31, 2014
Corporate loans

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)1,852,886

1,878,935

1,912,885

1,922,841

43,906

9,956

Large and mid-tier enterprises

438,234

457,998

465,198

455,344(2,654)(9,854)

Small and medium-sized enterprises

1,102,973

1,131,177

1,167,700

1,209,777

78,60042,077

Local governments etc.

311,679

289,758

279,986

257,719(32,039)(22,267)

1,731,940

1,731,197

1,743,166

1,735,098

3,901(8,068)

Housing loans

1,700,370

1,702,835

1,716,611

1,709,020

6,185(7,591)Other loans

31,57026,55426,078(2,283)(476)

3,584,827

28,361
3,610,132

3,656,051

3,657,940

47,8081,889

47,14153,412

60,34861,221

7,809

873

Consumer loans

Total
Foreign currency loans

Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar. 31, 2014

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)Corporate loans
Large and mid-tier enterprises

1,885,130
438,234

1,904,848
457,998

1,936,964
465,198

1,945,663
455,344

Small and medium-sized enterprises

1,134,858

1,156,732

1,191,420

1,232,240

75,50840,820312,038

290,117280,344

258,078(32,039)(22,266)

1,731,940

1,731,197

1,743,166

1,735,098

3,901(8,068)

Housing loans

1,700,370

1,702,835

1,716,611

1,709,020

6,185(7,591)Other loans

31,57026,55426,078(2,283)(476)

3,617,071

28,361
3,636,045

3,680,130

3,680,762

44,717632

47,14153,412

60,34861,221

7,809

873

Local governments etc.
Consumer loans

Total
Foreign currency loans

40,815(2,654)

8,699(9,854)② Loans to small and medium-sized enterprises (SMEs), etc.

(Millions of yen, %)As of Mar. 31, 2014
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

2,847,679
79.43

2,865,776
79.38

2,913,325
79.68

2,943,977
80.48(c)-(a)(c)-(b)78,2011.10

30,6520.80

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar. 31, 2014
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

2,879,923
79.62

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

2,891,690
79.52

2,937,404
79.81

2,966,79880.60(c)-(a)75,1081.08(c)-(b)29,3940.79③ Loans guaranteed by Credit Guarantee Corporations(Millions of yen)
As of Mar. 31, 2014
Loans guaranteed by Credit

235,192

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

232,309232,319

232,895- 3 -(c)-(a)(576)(c)-(b)10

Senshu Ikeda Holdings,Inc.

(2) Deposits① Breakdown of deposit balance(Millions of yen)
As of Mar. 31, 2014
Individual

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

3,662,810

Online branch

3,670,335

3,744,025(c)-(a)(c)-(b)3,726,519

56,184(17,506)

105,331

90,21983,583

76,686(13,533)(6,897)954,524

1,028,140

1,028,510

1,023,450(4,690)(5,060)General corporation

813,752

852,903850,231

863,556

10,653

13,325

Financial institutions

23,09349,64828,145

19,336(30,312)(8,809)Corporation

Governmental funds
Total
Foreign currency deposits

117,678

125,589

150,133

140,558

14,969(9,575)

4,617,334

4,698,476

4,772,536

4,749,969

51,493(22,567)

55,742

63,41049,21437,834(25,576)(11,380)

For the fiscal
year ended
Mar.31,2014

For the six
months ended
Sep. 30,2014

For the fiscal
year ended
Mar.31,2015

For the six
months ended
Sep. 30,2015(3) Assets under Management① Investment products sales(Millions of yen)

(a)

(b)

(b)-(a)The Senshu Ikeda Bank

222,194

110,101

231,584

93,566(16,535)

Investment trusts

136,42268,726

151,41352,352(16,374)

Public bonds

3,939

2,348

2,937

741

(1,607)

Life insurance

81,83339,026

77,23440,471

1,445

Senshu Ikeda Tokai Tokyo Securities

20,421

20,88846,53327,498

6,610

Total

242,615

130,990

278,117

121,064(9,926)② Balance of assets under management(individual)

As of Mar. 31, 2014

(Millions of yen)

3,662,810

As of Sep. 30, 2014(a)3,670,335

As of Mar. 31, 2015(b)
3,744,025

As of Sep. 30, 2015
(c)
3,726,519

Investment trusts

181,022

181,450

194,394

Life insurance

484,462

501,585

489,826

Public bonds

35,467

29,811Senshu Ikeda Tokai Tokyo Securities

11,73322,053

Total

4,375,496

4,405,236

Deposits(c)-(a)56,184(c)-(b)△17,506

183,294

1,844△11,100

484,593△16,992△5,23323,71019,689△10,122△4,021

33,15440,174

18,121

7,020

4,485,110

4,454,271

49,035△30,839(Reference )Balance of assets under management(Millions of yen)
As of Mar. 31, 2014
The Senshu Ikeda Bank

240,862

As of Sep. 30, 2014(a)
235,232

As of Mar. 31, 2015(b)
237,827

As of Sep. 30, 2015(c)
220,010(c)-(a)(15,222)(c)-(b)(17,817)

Investment trusts

191,032

191,061

204,260

191,464403(12,796)

Public bonds

49,83044,17033,56628,545(15,625)(5,021)Senshu Ikeda Tokai Tokyo Securities

44,36656,146

68,346

72,76016,614

4,414

Total

285,229

291,378

306,173292,770

1,392(13,403)- 4 -Senshu Ikeda Holdings,Inc.
(4) Securities① Breakdown of security balance(Millions of yen)
As of Mar. 31, 2014
Securities

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)1,399,377

1,403,767

1,163,549

1,022,940(380,827)(140,609)

Government bonds

319,287

311,884

164,153

74,181(237,703)(89,972)

Local government bonds

53,642

59,101

51,25643,367(15,734)(7,889)Corporate bonds

315,224

298,111

273,480

238,985(59,126)(34,495)

Authority bonds

189,221

182,125

197,171

175,902(6,223)(21,269)

Bank debenture bonds

12,643

12,643

9,384

9,383

(3,260)(1)

General corporate bonds

113,358

103,342

66,92453,699(49,643)(13,225)

Stocks89,98699,141

101,658

93,683(5,458)(7,975)

Other securities

621,236

635,528

572,999572,723(62,805)(276)

Foreign securities

369,427

341,004

269,125

231,985(109,019)(37,140)

Euroyen bonds

30,99838,99638,99337,002(1,994)(1,991)

Dollar-dominated bonds

251,741

276,824

230,125

194,977(81,847)(35,148)

Euro-dominated bonds

86,681

25,178――(25,178)―

REIT

33,74534,90831,04033,049(1,859)2,009

Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership

213,286

254,560

267,719

302,252

47,692

34,53372,271

50,571

16,9807,433(43,138)(9,547)

4,777

5,054

5,115

5,436

382

321

② Net unrealized gains (losses) on securities(Millions of yen)
As of Mar. 31, 2014
Held-to-maturity debt securities

As of Sep. 30, 2014

As of Mar. 31, 2015

As of Sep. 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)

542

512

590

438

(74)

(152)

2,407

14,396

27,69516,090

1,694(11,605)

Stocks

14,56424,324

31,19827,472

3,148(3,726)

Bonds

1,763

1,943

1,125

591

(1,352)(534)

Government bonds

179

384

35

11

(373)

(24)

Local government bonds

163

175

161

166

(9)

5

Available-for-sale securities

Corporate bonds

1,420

1,383

929

413

(970)

(516)

(13,920)(11,870)(4,628)(11,972)(102)(7,344)Foreign securities(3,469)(2,684)

(734)

(993)

1,691

(259)

Euroyen bonds

(1)

(3)

(6)

2

5

8

Dollar-dominated bonds(3,520)(2,938)

(727)

(995)

1,943

(268)

Euro-dominated bonds

52

257

―

―

(257)

―

(51)

1,750

2,414

(721)

(2,471)(3,135)(10,656)(11,162)(6,515)(10,381)781(3,866)(8,849)(10,764)(7,017)(2,805)

7,959

4,212

257

225

206

123

(102)

(83)

Other securities

REIT
Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership- 5 -Senshu Ikeda Holdings,Inc.

3. Interest Margins

The Senshu Ikeda Bank 【Non-consolidated】(%)
For the six months
ended Sep. 30, 2014(a)

For the six months
ended Sep. 30, 2015(b)

Allbusiness

Domestic
businessAllbusiness

Domestic
businessAllbusiness

Domestic
business

(A)

1.21

1.18

1.32

1.30

0.11

0.12

(B)

1.35

1.36

1.25

1.26

(0.10)(0.10)

0.93

0.73

1.59

1.60

0.66

0.87

1.07

1.08

1.01

1.00

(0.06)(0.08)

1.12

1.07

1.03

0.99

(0.09)(0.08)

0.12

0.12

0.10

0.09

(0.02)(0.03)

0.99

0.95

0.93

0.89

(0.06)(0.06)

0.56

0.64

0.45

0.47

(0.11)(0.17)(3) Average interest rate spread (A)－(C)

0.14

0.10

0.31

0.30

0.17

0.20

(4) Difference between average yield on loans
and deposits (B)－(D)

0.23

0.29

0.22

0.27

(0.01)(0.02)(1) Average yield on interest earning
assets(i)Average yield on loans andbills discounted(ii)Average yield on securities(2) Average yield on interest bearing(C)liabilities(i)Average yield on deposits and(D)negotiable (including expenses)① Average yield on deposits andnegotiable② Expense ratio(ii)Average yield on external liabilities(b)-(a)4. Status of Credits disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank 【Non-consolidated】
The balance of credits disclosed under the Financial Revitalization Law as at the end of September 2015 including two
business rehabilitation subsidiaries, decreased ¥3.9 billion from the end of September 2014 to ¥68.7 billion. As a result, NPL
ratio as at the end of September 2015 declined 0.13% from the end of September 2014 to 1.85%.
(Millions of yen, %)As of Mar. 31, 2014
Non-performing loans (A)Total credits (B)Non-performing loans ratio (A)/(B)50,817

As of Sep. 30, 2014(a)
57,513As of Mar. 31, 2015(b)56,306

As of Sep. 30, 2015
(c)
56,104(c)-(a)(1,409)(c)-(b)(202)

3,614,439

3,636,854

3,679,782

3,680,446

43,592

664

1.40

1.58

1.53

1.52

(0.06)(0.01)(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar. 31, 2014
Non-performing loans (A)Total credits (B)Non-performing loans ratio (A)/(B)As of Sep. 30, 2014(a)

As of Mar. 31, 2015(b)

As of Sep. 30, 2015(c)

71,18572,736

69,644

68,768(3,968)3,646,684

3,662,769

3,703,861

3,703,268

40,499

(593)

1.95

1.98

1.88

1.85

(0.13)(0.03)- 6 -(c)-(a)(c)-(b)(876)

Senshu Ikeda Holdings,Inc.
5. ROE
Senshu Ikeda Holdings 【Consolidated】（％）
For the fiscal
year ended
Mar.31,2014

For the six
months ended
Sep. 30,2014

For the fiscal
year ended
Mar.31,2015

For the six
months ended
Sep. 30,2015

(a)
(b)
(c)
Shareholders’ equity ROE
11.10
10.19
11.91
9.53
(Income before income taxes basis)
Shareholders’ equity ROE(Profit attributable to owners of the
9.38
8.62
9.15
8.11
parent basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

(c)-(a)(c)-(b)(0.66)(2.38)(0.51)(1.04)（％）
For the fiscal
year ended
Mar.31,2014
ROE (Income before income
taxes basis)
ROE (Profit attributable to ownersof the parent basis)

For the six
months ended
Sep. 30,2014

For the fiscal
year ended
Mar.31,2015

For the six
months ended
Sep. 30,2015

(a)

(b)

(c)

(c)-(a)(c)-(b)

10.84

9.88

11.10

8.62

(1.26)(2.48)

9.15

8.36

8.52

7.33

(1.03)(1.19)

6. Capital Ratio
Consolidated capital ratio of Senshu Ikeda Holdings still sustained as high as 10.99%, and is above the 4% level required ofbanks subject to domestic standards.
Consolidated capital ratio of Senshu Ikeda Bank also still sustained.

(1) Senshu Ikeda Holdings(domestic standard)(Millions of yen)
As of Mar. 31, 2014
Total capital ratio (%)
Total capital
Risk weighted assets

10.49

As of Sep. 30, 2014

As of Mar. 31, 2015

(a)

(b)

10.60

10.09

As of Sep. 30, 2015
(Preliminary figures)(c)(c)-(a)(c)-(b)

10.99

0.39

0.90

269,782

279,135

268,401

296,767

17,63228,366

2,571,273

2,633,344

2,657,817

2,699,346

66,002

41,529(2) The Senshu Ikeda Bank(domestic standard)① Non-consolidated(Millions of yen)
As of Mar. 31, 2014
Total capital ratio (%)
Total capital
Risk weighted assets

As of Sep. 30, 2014

As of Mar. 31, 2015

(a)

(b)

As of Sep. 30, 2015
(Preliminary figures)(c)(c)-(a)(c)-(b)

9.69

9.81

9.27

10.26

0.45

0.99

247,822

256,375

244,865274,668

18,29329,8032,557,108

2,613,384

2,639,343

2,675,477

62,09336,134② Consolidated(Millions of yen)
As of Mar. 31, 2014
Total capital ratio (%)
Total capital
Risk weighted assets

10.96

As of Sep. 30, 2014

As of Mar. 31, 2015

(a)

(b)

11.08

10.51

As of Sep. 30, 2015
(Preliminary figures)(c)(c)-(a)(c)-(b)

11.47

0.39

0.96

283,626

292,493

280,062

310,065

17,57230,003

2,586,299

2,638,924

2,664,117

2,701,560

62,63637,443- 7 -Senshu Ikeda Holdings,Inc.

7. FY2015 Financial Forecasts (Senshu Ikeda Holdings and The Senshu Ikeda Bank)
Financial forecasts for FY2015 of Senshu Ikeda Holdings (consolidated): Ordinary revenue is ¥110.0 billion, ordinary income
is ¥22.0 billion, and profit attributable to owners of the parent is ¥18.0 billion.
Forecast cash dividends for FY2015: ¥15.00 per common stock, ¥70.00 per third-class preferred stock, and ¥29.51 per firstseries of seventh-class preferred stock(1) Senshu Ikeda Holdings① Financial forecasts【Consolidated】(Millions of yen)

Ordinary revenue

For the fiscal year
ended Mar. 31,
2015(Result)
114,324

For the fiscal year
ended Mar. 31,
2016(Forecast)
110,000

Ordinary income

21,34222,000

Profit attributable to owners of the parent

17,58418,000【Non-consolidated】(Millions of yen)

Operating revenue

For the fiscal year
ended Mar. 31,
2015(Result)
6,133

For the fiscal year
ended Mar. 31,
2016(Forecast)
6,200

Operating income

5,477

5,500

Ordinary income

5,425

5,500

Net income

5,410

5,500

② Cash dividends

For the fiscal year
ended Mar. 31, 2015
(Result)
Common stock¥ 15.00

Third-class preferred stock¥ 70.70¥ 35.00¥ 35.00¥ 70.00¥ 14.51¥15.00¥ 29.51First series of seventh-class preferred stock

For the fiscal year
ended Mar. 31,
2016 (Forecast)¥ 7.50For the fiscal year
ended Mar. 31,
2016 (Forecast)

For the six months
ended Sep. 30, 2015
(Projection)¥ 7.50③ Capital ratio(%)

Capital ratio(Consolidated)

As of Mar. 31, 2015
(Result)

As of Sep. 30, 2015
(Preliminary figures)

As of Mar. 31, 2016
(Forecast)

10.09

10.99

half of 10

For the fiscal year
ended Mar. 31,
2015(Result)

For the six months
ended Sep. 30, 2015
(Result)

For the fiscal year
ended Mar. 31,
2016(Forecast)

9.15

8.11

First half of 8

④ ROE

(%)

Shareholders’ equity ROE (Profit
attributable to owners of theparent)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

- 8 -¥ 15.00

Senshu Ikeda Holdings,Inc.
(2) The Senshu Ikeda Bank
① Financial forecasts【Non-consolidated】(Millions of yen)

Ordinary revenue

For the fiscal year
ended Mar. 31,
2015(Result)
99,739For the fiscal year
ended Mar. 31,
2016(Forecast)
95,000Ordinary income

17,70319,000Net income

15,03416,000Banking profit
Banking profit(before reversal of(provision for) general reserve forpossible loan losses)
Core banking profit

15,234

14,50015,234

14,50017,97421,000Net credit costs

1,365

2,500

② Capital ratio(%)
As of Mar. 31, 2015
(Result)

As of Sep. 30, 2015
(Preliminary figures)

As of Mar. 31, 2016
(Forecast)

Capital ratio(Non-consolidated)

9.27

10.26

Approx. 10

Capital ratio(Consolidated)

10.51

11.47

Latter half of 10- 9 -Senshu Ikeda Holdings,Inc.

Ⅱ Second Quarter of FY2015 Results (Summary of Financial Results)
1. Financial Results(1) Senshu Ikeda Holdings 【Consolidated】〈Consolidated Statement of Operations and Consolidated Statement of Comprehensive Income〉
Consolidated Statement of Operations(Millions of yen)
For the six months
ended Sep. 30, 2014(a)

For the six months
ended Sep. 30, 2015(b)(b) -(a)1Consolidated gross profits

35,17831,357(3,821)

2

Net interest income

25,68427,3391,655

3

Net fees and commissions income

7,966

7,672

(294)

4

Net other operation income

1,527(3,654)(5,181)

5

General and administrative expenses (-)

26,181

24,649(1,532)

6

Net disposal of nonperforming loans (-)

1,404

1,319

(85)

7

Provision for general reserve for possible loan losses (-)

341

(414)

(755)

8

Written-off loans (-)

1,747

2,061

314

9

Provision for specific reserve for possible loan losses (-)

(65)

718

783

10

Provision for contingent losses (-)

(13)

(58)

(45)

11

Gains (losses) on sales of non-performing loans (-)

12

(306)

(318)

12

Recoveries of written off claims

720

850

130

Others (-)

13

102

169

67

14

Net gains (losses) on equity securities

134

4,328

4,194

15

Equity in earnings of affiliates

19

(3)

(22)

16

Others

1,919

584(1,335)17

Ordinary income

9,667

10,296629

18

Net extraordinary income (loss)
Income before income taxes and non-controllinginterests
Total income taxes (-)

(91)

(195)

(104)

9,575

10,101

526

19
20
21
22

1,222

1,413

191

Income taxes-current (-)

1,038

447

(591)

Income taxes-deferred (-)

184

966

782

23

Profit

8,352

8,687

335

24

Profit attributable to non-controlling interests

252

91

(161)

25

Profit attributable to owners of the parent

8,099

8,596

497

Consolidated Statement of Comprehensive Income(Millions of yen)
23

Profit

8,352

8,687

335

26

Total other comprehensive income

10,073(9,777)(19,850)

9,913(9,324)(19,237)

27

Net unrealized gain (loss) on available-for-sale securities

28

Net unrealized gain (loss) on deferred hedges

(8)

(70)

(62)

29

Remeasurements of defined benefit plans

169

(382)

(551)

18,426(1,090)(19,516)30

Comprehensive income(Note) Consolidated gross profit ＝(Interest income － Interest expenses)+(Fees and commissions － Fees and commissions payments)+(Other ordinary income － Other ordinary expenses)(Reference) Number of consolidated subsidiaries(Number of companies)
As of Sep. 30, 2014

As of Sep. 30, 2015

(a)

(b)

(b)-(a)Consolidated subsidiaries

31

28

(3)

Affiliated companies accounted for by the equity method

3

2

(1)

- 10 -

Senshu Ikeda Holdings,Inc.
(2) The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the six months
ended Sep. 30, 2014(a)

For the six months
ended Sep. 30, 2015(b)

31,54926,5053,810
1,233(1,469)28,47024,109
3,797
563
(560)
3,078
2,395
12
670
(908)
23,104
11,025
10,846
1,232

27,863
27,9593,857(3,953)(4,998)25,60826,456
3,882(4,730)(4,794)
2,254
1,503
(24)
776
(204)
22,338
11,205
9,856
1,276(3,686)
1,454
47(5,186)(6,467)(2,862)
2,347
85(5,293)(5,354)
(824)
(892)
(36)
106
(1,112)
(766)
180
(990)
44

8,444

5,524

(2,920)21
22
23

Gross profit
Net interest income
Net fees and commissions income
Net other operation income
Net gains (losses) on debt securities
Domestic gross profit
Net interest income
Net fees and commissions income
Net other operation income
Net gains (losses) on debt securities
International gross profit
Net interest income
Net fees and commissions income
Net other operation income
Net gains (losses) on debt securities
Expenses (excluding non-recurring expenses) (-)
Personnel expenses (-)
Non-personnel expenses (-)
Miscellaneous taxes (-)
Banking profit (before provision for general reserve forpossible loan losses)
Core banking profit
Net gains (losses) on debt securities
Provision for general reserve for possible loan losses (-) ①

6,975
1,469
447

10,523(4,998)(30)

3,548(6,467)
(477)

24
25
26
27
28
29
30
31
32
33
34
35
36
37

Banking profit
Net non-recurring gains (losses)
Credit costs (-) ②
Written-off loans (-)
Provision for specific reserve for possible loan losses (-)
Provision for contingent losses (-)
Gains (losses) on sales of non-performing loans (-)
Recoveries of written-off claims
Others (-)
Net gains (losses) on equity securities
Gain on sales of equity securities
Loss on sales of equity securities (-)
Loss on write-down of equity securities (-)
Other non-recurring gains (losses)

7,997
101
416
464
28
(13)
(8)
157
102
193
237
6
37
324

5,554
3,503
412
300
438
(58)
(130)
307
169
4,312
4,351
―
39
(396)

(2,443)
3,402
(4)
(164)
410
(45)
(122)
150
67
4,119
4,114
(6)
2
(720)

38
39

Ordinary income
Net extraordinary income (loss)

8,098
(78)

9,057
(184)

959
(106)

40
41
42
43
44

Income before income taxes
Total income taxes (-)
Income taxes-current (-)
Income taxes-deferred (-)

8,020
414
256
157

8,873
824
(93)
918

853
410
(349)
761

Net income

7,606

8,048

442

45

Net credit costs ①+②

864

382

(482)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

- 11 -(b)-(a)Senshu Ikeda Holdings,Inc.
(Reference) Structure of profits (For the fiscal year ended Mar. 31, 2015)【Gross profit】［1］Gross profit ¥ 27.8 billion

Interest income¥31.9 billion

Interest on loans and bills discounted, interest anddividends on securities, etc.

－

Interest expenses¥4.0 billion

Interest on deposits, interest on bonds, etc.

［2］Net interest income＝¥27.9 billion＋

Fees and commissions¥7.9 billion

Fees and commissions income of investment
trusts, bank transfer fee, ATMs.

－

Fees and commissions payments¥4.0 billion

Loan guarantee charge, the charge of a groupcredit life insurance, etc.

［3］＝¥3.8 billion＋

Other operating income¥3.5 billion

Gains related to bonds, gains on foreign exchangetransactions, etc.

－

Other operating expenses¥7.5 billion
Losses related to bonds, etc.

［4］Net other operating income＝(¥3.9 billion)【Banking profit (before provision for general reserve for possible loan losses), Core banking profit, Banking profit】［16］Expenses⇒［20］Banking profit (before provision forgeneral reserve for possible loan losses)¥5.5 billion¥22.3 billion

Personnel, non-personnel, taxes[1]－[16]［1］Gross profit¥27.8 billion⇒［22］Net gains (losses) on debt securities(¥4.9 billion)⇒［23］Provision for general reserve forpossible loan losses(¥0.0 billion)［21］Core banking profit¥10.5 billion［1]－[16]－[22]［24］Banking profit¥5.5 billion[1]－[16]－[23]【Ordinary income】
Non-recurring income＋
Gains on sales of equity securities¥5.6 billion＝［24］Banking profit¥5.5 billion

Non-recurring expenses－［38］Ordinary income¥9.0¥2.1 billion

Disposal of non-performing loans, losses related
to stocks, severance payment【Net income】＋［39］Net extraordinary income (losses)(¥0.1 billion)
Impairment of non-current assets, etc.

［38］Ordinary income¥9.0 billion－［42］Income taxes-current(¥0.0 billion)－［43］Income taxes-deferred¥0.9 billion- 12 -［44］Net income¥8.0 billion

Senshu Ikeda Holdings,Inc.

2. Banking Profit

The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the six months
ended Sep. 30, 2014(a)

For the six months
ended Sep. 30, 2015
(b)

8,444

5,524

(2,920)

3,189

2,143

(1,046)

6,975

10,523

3,548

2,634

4,083

1,449

7,997

5,554

(2,443)

3,020

2,155

(865)

(1) Banking profit (before provision for generalreserve for possible loan losses)
Per head (thousands of yen )(2) Core banking profit
Per head (thousands of yen )(3) Banking profit
Per head (thousands of yen )(b)-(a). ROE
The Senshu Ikeda Bank 【Non-consolidated】(%)
For the six months
ended Sep. 30, 2014(a)

For the six months
ended Sep. 30, 2015
(b)

9.39

5.21

(4.18)

8.89

5.23(3.66)

Core banking profit basis

7.76

9.92

2.16

Net income basis

8.46

7.59

(0.87)

Banking profit (before provision for general reserve forpossible loan losses) basis
Banking profit basis(b)-(a)4. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank 【Non-consolidated】① Employees and Officers(Number of people)
As of Mar. 31,
2014

As of Sep. 30,
2014
(a)

As of Mar. 31,
2015
(b)

As of Sep. 30,
2015
(c)

31

30

29

30

―

1

Employees

2,608

2,586

2,498

2,534

(52)

36

Total

2,639

2,616

2,527

2,564

(52)

37

Directors and auditors(c)-(a)(c)-(b)Note: “Directors and auditors” includes executive officers“Employees” excludes employees temporarily seconded to other companies and temporary staff.

② Branches(Number of branches)
As of Mar. 31,
2014
Branches
Sub-branches

134

As of Sep. 30,
2014
(a)

As of Mar. 31,
2015
(b)

As of Sep. 30,
2015
(c)

134

134

134

(c)-(a)(c)-(b)
―

―

5

5

5

5

―

―

Total

139

139

139

139

―

―

(Reference) ATMs

217

217

218

222

5

4

- 13 -

Senshu Ikeda Holdings,Inc.

5. Gains and Losses on Investment Securities
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the six months
ended Sep. 30, 2014(a)

For the six months
ended Sep. 30, 2015
(b)

1,469

(4,998)(6,467)

2,817

2,516

(301)

―

―

―

1,238

7,478

6,240

Loss on redemption (-)

―

―

―

Loss on write-down (-)

―

―

―

Loss by investment partnership (-)

110

36

(74)

Gains (losses) on debt securities
Gain on sales
Gain on redemption
Loss on sales (-)(b)-(a)(Millions of yen)
For the six months
ended Sep. 30, 2014(a)

For the six months
ended Sep. 30, 2015
(b)

193

4,312

4,119

Gain on sales

237

4,351

4,114

Loss on sales (-)

6

―

(6)

Loss on write-down (-)

37

39

2

Gains (losses) on equity securities- 14 -(a)-(b)

Senshu Ikeda Holdings,Inc.

6. Net Unrealized Gains (Losses) on Securities

The Senshu Ikeda Bank 【Non-consolidated】(1) Held-to-maturity debt securities (with market value)

Government
bonds
Local government
bonds
Corporate
bonds
Other
Total

(Millions of yen)

As of Sep. 30, 2015

Carrying
value

Fair value

Difference

24,99825,077―

As of Mar. 31, 2015

Unrealized gain

Unrealized loss

Carrying
value

78

78

―

24,99725,071

―

―

―

―

―

26,006

26,06154

54―

27,00027,304304

305

78,00478,442438

439

Fair value

Difference

Unrealized gain

Unrealized loss

73

73

―

―

―

―

―

31,30731,390

83

83

―

1

27,00027,434

434

436

2

1

83,30583,895

590

592

2

As of Sep. 30, 2014
Carrying
value

Fair value

Difference

Unrealized gain

Unrealized loss

24,99725,048

50

50

―

―

―

―

―

―

35,20635,341

134

134

―

26,00026,328

328

361

33

86,20486,717

512

545

33

(2) Available-for-sale securities (with market value)(Millions of yen)

Equitysecurities
Bonds
Government
bonds
Local government
bonds
Corporate
bonds
Other
Total

Acquisition
cost

As of Sep. 30, 2015
Carrying
Difference
value
Unrealized gain

Unrealized loss

Acquisition
cost

As of Mar. 31, 2015
Carrying
Difference
value
Unrealized gain

Unrealized loss

38,31565,78827,472

28,831

1,359

42,24373,441

31,19831,778580

304,938

305,529

591

672

81

431,460

432,586

1,125

1,238

112

49,171

49,18311

11―

139,120

139,15535

35―

43,20043,367

166

175

8

51,09551,256

161

174

13

212,565

212,979

413

486

72

241,243

242,173

929

1,029

99

553,892

541,919(11,972)

2,200

14,173547,189542,560( 4,628)

5,855

10,484

897,146

913,237

16,09031,704

15,613

1,020,893

1,048,588

27,69538,873

11,178Acquisition
cost

As of Sep. 30, 2014
Carrying
Difference
value
Unrealized gain

- 15 -

47,16571,48924,32425,753

Unrealized loss
1,429

606,949

608,892

1,943

1,978

35

286,502286,886

384

385

1

58,926

59,101

175

180

5

261,520

262,904

1,383

1,412

28

617,860

605,990(11,870)

3,752

15,622

1,271,976

1,286,373

14,396

31,48417,088Senshu Ikeda Holdings,Inc.

7. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar. 31, 2014

Total capital ratio (%)
Total capital(A)-(B)As of Sep. 30, 2014

As of Mar. 31, 2015

(a)

(b)

10.49

10.60

10.09

As of Sep. 30, 2015
(Preliminary figures)
(c)
10.99

(c)-(a)(c)-(b)

0.39

0.90

269,782

279,135

268,401

296,767

17,63228,366

Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)271,067

280,292

275,747

302,678

22,386

26,931

140,194

149,084

153,292

205,627

56,54352,335

16,164

16,51014,711

14,293(2,217)(418)

40,00040,00040,00015,000(25,000)(25,000)

72,471

72,471

65,22465,224(7,247)

―

1,285

1,157

7,346

5,911

4,754

(1,435)

Risk weighted assets (C)2,571,273

2,633,344

2,657,817

2,699,346

66,002

41,529Required capital (C×4％)

102,850

105,333

106,312

107,973

2,640

1,661

(2) The Senshu Ikeda Bank (domestic standard)① Non-consolidated(Millions of yen)
As of Mar. 31, 2014

Total capital ratio (%)

As of Sep. 30, 2014

As of Mar. 31, 2015

(a)

(b)

As of Sep. 30, 2015
(Preliminary figures)(c)(c)-(a)(c)-(b)

9.69

9.81

9.27

10.26

0.45

0.99

247,822

256,375

244,865274,668

18,29329,803

248,251

256,772

250,192

279,138

22,36628,946

167,751

175,823

177,751

206,727

30,90428,976

6,012

6,459

5,402

5,372

(1,087)

(30)

―

―

―

―

―

―

74,48874,48867,03967,039(7,449)

―

429

396

5,327

4,469

4,073

(858)

Risk weighted assets (C)2,557,108

2,613,384

2,639,343

2,675,477

62,09336,134

Required capital (C×4％)

102,284

104,535

105,573

107,019

2,484

1,446

Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)② Consolidated(Millions of yen)
As of Mar. 31, 2014

As of Sep. 30, 2014

As of Mar. 31, 2015

(a)

(b)

As of Sep. 30, 2015
(Preliminary figures)(c)(c)-(a)(c)-(b)

Total capital ratio (%)

10.96

11.08

10.51

11.47

0.39

0.96

Total capital(A)-(B)283,626

292,493

280,062

310,065

17,57230,003

284,055

292,890

286,016

315,142

22,252

29,126

174,726

183,270

187,216

216,836

33,566

29,62016,164

16,51014,711

14,293(2,217)

(418)

―

―

―

―

―

―

91,99691,99682,79682,796(9,200)

―

429

396

5,953

5,076

4,680

(877)

Risk weighted assets (C)2,586,299

2,638,924

2,664,117

2,701,560

62,63637,443Required capital (C×4％)

103,451

105,556

106,564

108,062

2,506

1,498

Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)- 16 -

Senshu Ikeda Holdings,Inc.

Ⅲ Overview of Loans and Bills Discounted
1. Risk Monitored Loans
The Senshu Ikeda Bank
① Non-consolidated(Millions of yen)
As of Mar.
31, 2014

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

3,199
42,995―
4,264
50,459(Note) Amount of partial direct write-off
As of Sep. 30, 2015: Loans to bankrupt borrowers
As of Mar.31, 2015: Loans to bankrupt borrowers
As of Sep. 30, 2014: Loans to bankrupt borrowers
As of Mar.31,2014: Loans to bankrupt borrowers
As of Mar.
31, 2014
Loans and bills discounted

3,584,827

As of Sep. 30,
2014
(a)
4,261
41,998119
10,79057,169As of Mar.
31, 2015(b)
2,494
42,300―11,192
55,988

10,648 million yen
14,436 million yen
14,491 million yen
14,762 million yen

As of Sep. 30,
2015
(c)
2,887
41,85988
11,01955,853

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans

As of Sep. 30,
2014(a)3,610,132

As of Mar.
31, 2015(b)
3,656,051

As of Sep. 30,
2015(c)3,657,940

As of Sep. 30,
2014
(a)
0.11
1.16
0.00
0.29
1.58

As of Mar.
31, 2015
(b)
0.06
1.15
―
0.30
1.53

As of Sep. 30,
2015
(c)
0.07
1.14
0.00
0.30
1.52

As of Sep. 30,
2014
(a)
4,261
54,840119
13,171
72,392As of Mar.
31, 2015(b)
2,636
53,151―
13,53869,326

As of Sep. 30,
2015
(c)
3,029
52,11788
13,28268,517(c)-(a)(1,374)
(139)
(31)
229
(1,316)(c)-(b)
393
(441)
88
(173)
(135)

32,821 million yen
44,835 million yen
44,858 million yen
43,747 million yen(Millions of yen)(c)-(a)47,808(c)-(b)1,889(%)

As of Mar.
31, 2014
Ratio of total loans
and bills discounted

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

0.08
1.19
―
0.11
1.40

(c)-(a)(0.04)(0.02)
0.00
0.01(0.06)(Reference)
Including two business rehabilitation subsidiaries
As of Mar.
31, 2014
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

3,199
60,920―6,706
70,827(Note) Amount of partial direct write-off
As of Sep. 30, 2015: Loans to bankrupt borrowers
As of Mar.31, 2015: Loans to bankrupt borrowers
As of Sep. 30, 2014: Loans to bankrupt borrowers
As of Mar.31,2014: Loans to bankrupt borrowers
As of Mar.
31, 2014
Loans and bills discounted

3,617,071(c)-(b)0.01(0.01)
0.00
0.00(0.01)(Millions of yen)

10,649 million yen
17,297 million yen
14,491 million yen
14,762 million yen(c)-(a)(1,232)(2,723)(31)
111(3,875)(c)-(b)393(1,034)
88
(256)
(809)

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans

As of Sep. 30,
2014(a)3,636,045

As of Mar.
31, 2015(b)
3,680,130

33,789 million yen
45,394 million yen
48,286 million yen
44,005 million yen(Millions of yen)
As of Sep. 30,2015(c)(c)-(a)(c)-(b)3,680,762
44,717632

As of Sep. 30,
2014
(a)
0.11
1.50
0.00
0.36
1.99

As of Mar.
31, 2015
(b)
0.07
1.44
―
0.36
1.88

As of Sep. 30,
2015
(c)
0.08
1.41
0.00
0.36
1.86

(%)
As of Mar.
31, 2014
Ratio of total loans
and bills discounted

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

0.08
1.68
―
0.18
1.95

- 17 -(c)-(a)(0.03)(0.09)
0.00
0.00(0.13)(c)-(b)0.01(0.03)
0.00
0.00(0.02)

Senshu Ikeda Holdings,Inc.
② Consolidated(Millions of yen)
As of Mar.
31, 2014
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

4,000
62,173―
6,706
72,881(Note)Amount of partial direct written-off
As of Sep. 30, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers
As of Sep. 30, 2014: Loans to bankrupt borrowers
As of Mar. 31, 2014: Loans to bankrupt borrowers
As of Mar.
31, 2014
Loans and bills discounted

3,609,329

As of Sep. 30,
2014
(a)
5,300
56,208119
13,171
74,799As of Mar.
31, 2015(b)
3,522
54,195―
13,53871,255

11,784 million yen
18,266 million yen
15,801 million yen
15,940 million yen

As of Sep. 30,
2015
(c)
4,087
53,29588
13,28270,753

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans(c)-(a)(1,213)(2,913)(31)
111(4,046)(c)-(b)
565
(900)
88
(256)
(502)

35,062 million yen
46,747 million yen
49,248 million yen
46,040 million yen(Millions of yen)

As of Sep. 30,
2014(a)3,628,410

As of Mar.
31, 2015(b)
3,672,521

As of Sep. 30,
2015(c)3,673,107

As of Sep. 30,
2014
(a)
0.14
1.54
0.00
0.36
2.06

As of Mar.
31, 2015
(b)
0.09
1.47
―
0.36
1.94

As of Sep. 30,
2015
(c)
0.11
1.45
0.00
0.36
1.92

(c)-(a)44,697(c)-(b)586(%)

As of Mar.
31, 2014
Ratio of total loans
and bills discounted(Notes)Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

0.11
1.72
―
0.18
2.01

(c)-(a)(0.03)(0.09)
0.00
0.00(0.14)(c)-(b)0.02(0.02)
0.00
0.00(0.02)

1. Risk monitored loans are calculated in accordance with Ordinance for Enforcement of the Banking Act, and it should be noted that the disclosed amountof risk-monitored loans does not represent irrecoverable amounts as such loans are disclosed regardless of its securitization by collaterals and guarantees.
2. Loans to bankrupt borrowers:
Loans to bankrupt borrowers represent non-accrual loans to borrowers who are legally bankrupt as defined in Articles 96-1-3 and 96-1-4 of the Order for
Enforcement of the Corporation Tax Act (the “Tax Act”).
3. Delinquent loans:
Delinquent loans represent non-accrual loans other than (i) loans to bankrupt borrowers and (ii) loans on which interest payments have been suspended inorder to assist or facilitate the restructuring of borrowers who are experiencing financial difficulties.
4. Loans past due three months or more:
Loans past due for three months or more represent loans on which the payment of principal and/or interest has not been received for three months ormore from the due date, and which are not classified as “loans to bankrupt borrowers” or “delinquent loans.”
5. Restructured loans:
Restructured loans are loans which have been restructured to support the rehabilitation of borrowers who are encountering financial difficulties, with theintention of ensuring the recovery of the loans by providing more flexible repayment terms for the borrowers (such as reducing the rate of interest or
suspending the payment of principal/interest, etc.) or loans which are not classified in any of the above categories.

- 18 -

Senshu Ikeda Holdings,Inc.

2. Reserve for Possible Loan Losses
The Senshu Ikeda Bank
① Non-consolidated(Millions of yen)
As of Mar.
31, 2014
Reserve for possible loan losses

18,188

As of Sep. 30,
2014(a)17,188

As of Mar.
31, 2015(b)
16,198

As of Sep. 30,
2015(c)16,290(c)-(a)(898)

General reserve for possible loan losses

6,012

6,459

5,402

5,372

(1,087)(30)

Specific reserve for possible loan losses

12,176

10,728

10,796

10,917189

121(c)-(b)92(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2014
Reserve for possible loan losses

32,050

As of Sep. 30,
2014(a)27,779As of Mar.
31, 2015(b)
26,232As of Sep. 30,
2015(c)26,022(c)-(a)(1,757)(c)-(b)(210)

General reserve for possible loan losses

10,855

11,706

10,507

10,382(1,324)(125)

Specific reserve for possible loan losses

21,194

16,072

15,725

15,639

(433)

(86)

② Consolidated(Millions of yen)
As of Mar.
31, 2014
Reserve for possible loan losses

38,924As of Sep. 30,
2014(a)34,308

As of Mar.
31, 2015(b)
31,907

As of Sep. 30,2015(c)31,198(c)-(a)(3,110)General reserve for possible loan losses

16,164

16,51014,711

14,293(2,217)(418)

Specific reserve for possible loan losses

22,75917,797

17,196

16,905

(892)

(291)

As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

30.06

28.93

29.16

As of Mar.
31, 2014

As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

45.25

38.37

37.83

37.97

(c)-(b)(709)

3. Reserve Ratios for Risk Monitored Loans
The Senshu Ikeda Bank
① Non-Consolidated(%)
As of Mar.
31, 2014
Reserve ratios

36.04(c)-(a)(0.90)(c)-(b)0.23(Reference)
Including two business rehabilitation subsidiaries(%)

Reserve ratios(c)-(a)(0.40)(c)-(b)0.14② Consolidated(%)

Reserve ratios

As of Mar.
31, 2014

As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

53.40

45.86

44.77

44.09

(Note) Reserve Rations = Reserve for possible loan losses / Risk monitored loans- 19 -(c)-(a)(1.77)(c)-(b)(0.68)

Senshu Ikeda Holdings,Inc.

4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank【Non-consolidated】(Millions of yen, %)As of Mar.
31, 2014

As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

(c)-(a)(c)-(b)Bankruptcy and quasi-bankrupt credit

8,264

8,490

6,437

6,359

(2,131)(78)

Doubtful credit

38,28938,114

38,676

38,638524(38)

Substandard credit

4,264

10,909

11,192

11,107

198(85)

Subtotal (A)50,81757,51356,306

56,104(1,409)(202)

Normal credit

3,563,621

3,579,340

3,623,475

3,624,341

45,001

866

Total(B)3,614,439

3,636,854

3,679,782

3,680,446

43,592

664

1.40

1.58

1.53

1.52

(0.06)(0.01)

58,89559,72559,61443,714(16,011)(15,900)

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2014

As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

9,040

9,265

7,136

6,832

(2,433)(304)

55,43850,18048,96948,565(1,615)(404)

Substandard credit

6,706

13,29013,53813,37080(168)

Subtotal (A)71,18572,736

69,644

68,768(3,968)(876)

Normal credit

3,575,498

3,590,032

3,634,217

3,634,500

44,468283

Total(B)3,646,684

3,662,769

3,703,861

3,703,268

40,499

(593)

1.95

1.98

1.88

1.85

(0.13)(0.03)

59,152

63,15363,03544,682(18,471)(18,353)

Bankruptcy and quasi-bankrupt
creditDoubtful credit

Non-performing loans ratio (A)/(B)Partial direct write-off(Notes)(c)-(a)(c)-(b)Credits:
Credits represent loans and bills discounted; Foreign exchanges; Accrued income and suspense payment account under Other assets; and Customers’ liabilities
for acceptances and guarantees in the Balance Sheet; as the securities loaned (limited for use agreements or lease contracts,) which are required to be stated in anote to the Balance Sheet.
Bankruptcy and quasi-bankrupt credit:
Bankruptcy and quasi-bankrupt credits represent the credits held by borrowers who have been classified as “bankrupt borrowers” and “effectively bankrupt
borrowers” by the Bank’s self-assessment.
Doubtful credit:
Doubtful credits represent the credits held by borrowers who have been classified as “potentially bankrupt borrowers” by the Bank’s self-assessment.
Substandard credit:
Substandard credits represent the credits held by borrowers who have been classified as “loans past due three months or more” and “restructured loans” among
the credits requiring special caution. (Borrowers requiring special caution: Borrowers who have concerns in lending conditions, exercising their obligations andfinancial situation, requiring special caution on their future situations.)
Normal credit:
Normal credits represent the credits held by borrowers who show no particular problems regarding financial conditions and business performances; therefore
they are classified as an item other than the aforementioned credits.

- 20 -

Senshu Ikeda Holdings,Inc.

5. Status of Coverage of Credits disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank 【Non-Consolidated】(Millions of yen, %)As of Mar.
31, 2014
Coverage amount (C)As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

(c)-(a)(c)-(b)46,46652,86650,842

48,852(4,014)(1,990)Reserve for possible loan losses

13,532

12,973

13,25012,089(884)(1,161)

Collateral and guarantees

32,93439,89337,591

36,762(3,131)

(829)

91.43

91.91

90.29

87.07

(4.84)(3.22)

Coverage ratio(C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2015)(Millions of yen, %)Credit amount

CoverageamountCollateral andguarantees
5,850

Coverage ratio

25,292

92.01

Bankruptcy and quasi-bankrupt credit

6,359

6,359

Reserve for possible loan
losses508

Doubtful credit

38,63835,554

10,261Substandard credit

11,107

6,938

1,319

5,618

62.46

Total

56,104

48,852

12,08936,76287.07

100.00(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2014

As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

63,00064,21460,96858,825(5,389)(2,143)

Reserve for possible loan losses

23,412

19,141

18,887

17,425(1,716)(1,462)

Collateral and guarantees

39,58745,07342,081

41,399(3,674)

(682)

88.50

88.28

87.54

85.54

(2.74)(2.00)

Coverage amount (C)Coverage Ratio (C)/(A)(c)-(a)(c)-(b)Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2015)(Millions of yen, %)Credit amount

CoverageamountBankruptcy and quasi-bankrupt credit

6,832

6,832

Doubtful credit

48,56543,956

14,842

29,114

90.51

Substandard credit

13,370

8,036

1,933

6,102

60.10

Total

68,76858,825

17,42541,39985.54- 21 -

Collateral andguarantees
6,182

Coverage ratio

Reserve for possible loan
losses649

100.00Senshu Ikeda Holdings,Inc.

6. Classification of Loans by Industry
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
As of Mar.
31, 2014

As of Sep. 30,
2014
(a)

As of Mar.
31, 2015(b)

As of Sep. 30,
2015
(c)

3,584,827

3,610,132

3,656,051

3,657,940

47,8081,889

340,726

342,879

341,673

338,912(3,967)(2,761)

1,368

1,076

961

777

(299)

(184)

Fishery

99

49

93

46

(3)

(47)

Mining, quarrying and gravel
extraction

234

190

220

198

8

(22)

Construction

77,85077,14780,89080,537

3,390

(353)

Electricity, gas, heat and watersupply11,762

13,246

14,75915,2301,984

471

Information and communication

14,633

14,93015,281

14,340

(590)

(941)

Transportation and postal activities

74,12075,71882,56984,355

8,637

1,786

Wholesale and retail trade229,405

243,577

248,249

253,842

10,265

5,593

Finance and insurance activities

163,267

169,758

168,865

172,154

2,396

3,289

Real estate and rental activities

478,042496,512511,234

528,893

32,381

17,659Domestic(excluding JOM account)
Manufacturing
Agriculture and forestry(c)-(a)(c)-(b)Academic research, professional
and technical services
Accommodation and foodservice activities

9,482

10,066

10,48010,457391(23)

21,344

21,292

21,97324,132

2,840

2,159

Life related services and entertainment

12,60912,256

12,59812,27620(322)

Education and study support
activities

7,589

7,205

7,580

7,704

499

124

Medical and welfare

36,12438,99545,41647,392

8,397

1,976

Other services

61,71863,33969,04770,752

7,413

1,705

Local governments

238,912226,443

227,548

208,625(17,818)(18,923)

1,805,534

1,795,443

1,796,602

1,787,309(8,134)(9,293)

Others- 22 -

Senshu Ikeda Holdings,Inc.

7.

Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank 【Non-consolidated】(As of Sep. 30, 2015)(Billions of yen, %)Borrower classification under self-assessment guidelines(Credit exposures)
Credit-related loans including loans and bills discounted

Classification
Outstanding
loans

Bankrupt
2.8
Effectively
bankrupt

Category
Category
Ⅰ
0.7

1.7

Category
Ⅱ
2.1

1.7

3.4
Potentiallybankrupt

23.7

11.8

38.6
Requiring
specialcautionCategoryⅢ

Category
Ⅳ

―

―

(0.0)

(―)

―

―

(0.3)

(0.0)

Watch list

3,477.4
Total
3,680.4(Notes)

1.
2.
3.

4.

Classification
Outstanding
loans

Classification

Outstandingbalance of loans

Loans tobankrupt
borrowers

2.8

Delinquent
loans

41.8

Loans past due threemonths or more

0.0

Restructured loans

11.0

Total

55.8

5.8

(10.2)

38.6

11.9

Reserve

Coverage
ratio

0.5

100.00

6.3

Substandard
0.7

Secured or
guaranteed

Bankruptcy andquasi-bankrupt

Doubtful

25.2

10.2

92.01

5.6

1.3

62.46

11.1
Subtotal
36.7

63.2

82.0

Normal
3,624.3

3,477.4

3,567,6

109.7

12.0

87.07

56.1

145.2
Normal

Risk monitored loans

3.0

12.7
Other
borrowers
requiring
cautionClaims disclosed under the Financial
Revitalization Law (Credit exposure)
Substandard credit represents loans andbills discounted
Other represents credit-related loans
including loans and bills discounted

3.0

―

Total

(10.7)(0.0)

3,680.4

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
to total credit: 1.52%

Ratio of risk managed loans tototal loans: 1.52%

Loans and bills
discounted

3,657.9

Japanese yen amounts are rounded down to the nearest billion yen.
Credit-related loans including loans and bills discounted represents loans and bills discounted; Foreign exchanges; Accrued income and suspense
payment account under Other assets; and Customers’ liabilities for acceptances and guarantees in the Balance Sheet; as the securities loaned(limited for use agreements or lease contracts,) which are required to be stated in a note to the Balance Sheet.
The figures in the parentheses under Borrower classification under self-assessment guidelines represent reserved amounts for classified loans.

CategoryⅠ

Claims secured by reserve for possible loan losses, superior guarantee reserved by Credit Guarantee Corporation.

Category Ⅱ:

Claims secured by general collateral or guarantee such as mortgage collateral.

Categories Ⅲ and Ⅳ:

All or part of claims are secured, and claims already secured are posted as Category Ⅰ.

“( )” in “Borrower classification under self-assessment guidelines (Credit exposures)” represent reserved amounts for classified loans.

- 23 -