Financial Results for the Fiscal Year ended March 31, 2015
(Consolidated Data)
May 13, 2015

Company Name: Senshu Ikeda Holdings, Inc.
Stock Code:
8714
President and Representative Director:
For inquiries:
Scheduled date for General Meeting of Shareholders
Scheduled date for filing securities report:
Scheduled date to commence dividend payments:
Segregated trading accounts:
Supplementary material on financial results:
Financial results presentation meeting:Stock exchange listing: Tokyo Stock Exchange
http://www.senshuikeda-hd.co.jp/
URL
Hirohisa Fujita
Tsutomu Irie, General Manager of the Corporate Planning Division
Telephone: +81-6-4802-0013
June 26, 2015
June 29, 2015
June 29, 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 Fiscal Year ending March 31, 2015
(April 1, 2014 － March 31, 2015)(1) Consolidated Operating Results
Ordinary revenue
Million yen%
Fiscal year ended
114,324
9.0
March 31, 2015
Fiscal year ended
104,855(6.0)
March 31, 2014
(Note) Comprehensive income:(%: Changes from previous fiscal year)
Ordinary income
Net income
Million yen%
Million yen
21,342

21.5

17,584

5.9

17,55137.0

16,604

64.3

Fiscal year ended March 31, 2015:

45,069 million yen[ 389.7% ]Fiscal year ended March 31, 2014:

9,201 million yen[ (69.4%) ]Net income
per share

Diluted earnings
per share

Return on
net assets

Ordinary income
on total assets

Yen

Yen

%

%

Ordinary income
on ordinary
revenue
%

66.38

66.34

8.5

0.3

18.6

64.77

64.73

9.1

0.3

16.7

Fiscal year ended
March 31, 2015
Fiscal year ended
March 31, 2014

(Reference) Equity in earnings (loss) of affiliates:

Fiscal year ended March 31, 2015:

40 million yen

Fiscal year ended March 31, 2014:

29 million yen(2) Consolidated Financial Position

As of March 31, 2015
As of March 31, 2014%

Total assets
Million yen
5,519,533
5,349,776

Total net assets
Million yen
234,788
196,397

Net assets per share

Equity ratio
%

Yen
4.0
3.4

774.83610.84(Reference) capital: As of March 31, 2015: 226,232 million yen; As of March 31, 2014: 186,159 million yen
Note: “Equity ratio” is calculated as: (Total net assets at the end of period － Stock subscription rights at the end of period － Minority interests at theend of period)/ Total assets at the end of period.

(3) Consolidated Cash Flows

Fiscal year ended
March 31, 2015
Fiscal year ended
March 31, 2014

Cash flows fromoperating activities
Million yen

Cash flows frominvesting activities
Million yen

Cash flows fromfinancing activities%

Cash and cash
equivalents at end of year
Yen

51,639287,566(12,839)

532,484

277,352(185,936)

19,778206,317

2. Dividends
First
Quarter
Yen
Fiscal Year ended
March 31, 2014
Fiscal Year ended
March 31, 2015
Fiscal Year ending
March 31, 2016
(Forecasts)

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

Yen

AnnualDividends(Total)Million yen

Dividend
payout ratio(Consolidated)%

Dividend on
Net Assets(Consolidated)
%

Total

－

0.00

－

15.00

15.00

3,575

23.1

2.4

－

0.00

－

15.00

15.00

3,573 .

22.5

2.1

－

0.00

－

15.00

15.00

－

Note: 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 parent
Millionyen%
Millionyen%
Millionyen%
YenFirst half of fiscal year
54,000
6.4
10,000
3.4
8,500
4.9
31.08
Full Year
110,000(3.7)
22,0003.0
18,000
2.3
60.42
Note
(1) Changes in significant subsidiaries during the fiscal year ending March 31, 2015 : 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 March 31, 2015
As of March 31, 2014

238,458,632 shares
238,458,632 shares(b) Number of treasury shares
As of March 31, 2015
As of March 31, 2014

438,304 shares
1,269,294 shares(c) Average number of shares for the period under review
Fiscal year ended March 31, 2015
Fiscal year ended March 31, 2014

237,686,429 shares
236,671,830 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the Fiscal Year ending March 31, 2015 (April 1, 2014－March 31, 2015)(1) Non-consolidated Operating Results(%: Changes from previous fiscal year)
Operating revenue
Operating income
Ordinary income
Net income
Millionyen%
Millionyen%
Millionyen%
Millionyen%
Fiscal year ended
6,133(44.1)
5,477(46.6)
5,425(45.7)
5,410(45.9)March 31, 2015
Fiscal year ended
10,983
70.6
10,27280.3
10,00076.5
10,01077.1
March 31, 2014

Fiscal year ended
March 31, 2015
Fiscal year ended
March 31, 2014

Net income
per share
Yen

Diluted earnings
per share
Yen

15.16

15.15

36.90

36.88

(2) Non-consolidated Financial Conditions
Total assets
Million yen
As of March 31, 2015
190,847
As of March 31, 2014
198,523

Total net assets
Million yen
188,813
187,814

Net assets pdar

Equity ratio
%
98.8
94.6

Yen
617.33617.52(Reference) Capital: As of March 31, 2015: 188,743 million yen; As of March 31, 2014: 187,745 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
Ordinary income
NetincomeNetincome per shareFirst half of fiscal year
Full Year

Millionyen%

Millionyen%

Millionyen%

Millionyen

%

Yen

5,900
6,200

0.5
1.0

5,500
5,500

0.3
0.4

5,500
5,500

0.8
1.3

5,500
5,500

1.1
1.6

20.11
15.29

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:(Second-class preferred stock)

First
Quarter
Yen

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

Year
End
Yen

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

Year
End
Yen

Year
End
Yen
1,020 divided
by 18.5
1,020 divided
by 18.5

Total

Yen
1,020 divided
Fiscal Year ended－－－
by 18.5
March 31, 2014
1,020 divided
Fiscal Year ending－－－by 18.5
March 31, 2015
Fiscal Year ending
March 31, 2016
(Forecasts)(Note) As second-class preferred stock was retired on April 7,2015, we do not describe the dividends of fiscal year ending March 31,
2016 (forecasts).
(Third-class preferred stock)
First
Quarter
Yen

Total

Yen
Fiscal Year ended
March 31, 2014
Fiscal Year ending
－
－
－
70.70
70.70
March 31, 2015
Fiscal Year ending
March 31, 2016
－
－
－
70.00
70.00
(Forecasts)(Note) As we decided not to divide in fiscal year ended March 31, 2014, we do not describe the dividends of third-class preferred stock.
(First series of seventh-class preferred stock)
First
Quarter
Yen

Total

Yen
Fiscal Year ended
March 31, 2014
Fiscal Year ending
March 31, 2015
Fiscal Year ending
March 31, 2016
－
－
－
29.51
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, 2014 and 2015.

Consolidated Financial Statements(1) Consolidated Balance Sheets(Unit: Millions of yen)
As of March 31, 2014

As of March 31, 2015

Cash and due from banks

215,658

544,513

Call loans and bills bought

775

616

Monetary claims bought

1,128

87

Trading account securities

122

177

27,00027,000

Securities

1,375,525

1,139,284

Loans and bills discounted

3,602,329

3,672,521

AssetsMoney held in trust

Foreign exchange assets

5,529

6,321

Other assets

61,282

65,835

Tangible fixed assets

38,44737,276

Buildings

16,64416,307Land

15,804

15,457

Lease assets

30

20

Construction in progress

0

43

5,966

5,447

8,045

7,470

Software

6,254

4,748

Goodwill

856

665

Other intangible fixed assets

934

2,056

Net defined benefit assets

6,496

16,014

Deferred tax assets

26,366

17,224

Customers’ liabilities for acceptances and guarantees

19,992

17,098Reserve for possible loan losses(38,923)

Total assets

5,349,776(31,907)5,519,533

4,580,769

4,737,122

－

1,543

Payables under securities lending transactions

315,691

251,176

Borrowed money

118,517

159,198

Foreign exchange liabilities

366

538

Corporate bonds and notes

70,00070,000

Other liabilities

45,14645,123

Provision for employees’ bonuses

1,678

1,682

Net defined benefit liability

120

137

Accrued retirement benefits for directors and corporate auditors

62

39

Reserve for reimbursement of deposits

328

409

Reserve for point services

170

199

Reserve for contingent losses

379

351

Reserve under special laws

0

1

151

121

2

－

19,992

17,098

5,153,379

5,284,745

Other tangible fixed assets
Intangible fixed assets

Liabilities
Deposits
Negotiable certificates of deposit

Deferred tax liabilities
Negative goodwill
Acceptances and guarantees
Total liabilities

As of March 31, 2014

(Unit: Millions of yen)
As of March 31, 2015

Common stock

79,811

79,811

Capital surplus

59,251

59,197Retained earnings

46,94960,155

Treasury stock

(728)

(253)

Net Assets

Total shareholders’ equity
Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges

185,284

198,910(147)

21,101

1

5

1,020

6,214

Total accumulated other comprehensive income

875

27,321

Stock subscription rights

68

69

Minority interests

10,168

8,485

Total net assets

196,397234,788

5,349,776

5,519,533

Remeasurements of defined benefit plans

Total liabilities and net assets

(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
Interest on call loans and bills boughtInterest on deposits with banks
Other interest income
Fees and commissions
Other ordinary income
Other income
Reversal of provision for possible loan losses
Reversal of reserve for contingent losses
Recoveries of written off claims
Other
Ordinary expenses
Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit
Interest on call money and bills soldInterest on payables under securities lending transactions
Interest on borrowings and rediscounts
Interest on bonds
Other interest expenses
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Provision for possible loan losses
Other
Ordinary income
Extraordinary income
Gain on disposal on non-current assets
Gain on negative goodwill
Gain on contribution of securities to retirement benefit
Extraordinary loss
Loss on disposal of non-current assets
Impairment loss
Loss on changes in equity interest
Income before income taxes and minority interests
Income taxes - current
Income taxes - deferred
Total income taxes
Net income before minority interests
Minority interests
Net income

For the Fiscal Year
ended Mar. 31, 2014
104,855
60,87051,103
9,459
76
33
198
19,784
6,933
17,267－
12
1,634
15,62087,303
8,806
6,203
0
1
568
866
1,112
54
5,672
6,592
52,582
13,650745
12,904
17,551
2,294
0
3
2,291
192
58
22
112
19,653
889
1,631
2,521
17,132527
16,604

For the Fiscal Year
ended Mar. 31, 2015
114,324
63,681
48,164
15,058108126
224
21,514
11,03618,092
1,350
28
1,768
14,944
92,982
8,210
5,589
0
1
596
734
1,271
16
5,706
14,35051,794
12,920－12,92021,342
1,678
81
1,596
－
129
93
36
0
22,890
1,869
2,407
4,277
18,613
1,028
17,584

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

Net income before minority interests
Other 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
Minority interests

For the Fiscal Year
ended Mar. 31, 2014
17,132(7,930)(7,931)0－9,201

For the Fiscal Year
ended Mar. 31, 2015
18,613
26,456
21,2584
5,193
45,0698,649
551

44,030
1,038

(3)Consolidated Statements of Changes in Net Assets
For the fiscal year ended March 31, 2014
(Unit: Millions of yen)
Shareholders’ equity
Commonstock
Balance at the beginning ofcurrent period
Changes of items during period
Issuance of common stock

Capitalsurplus72,311

62,235

7,500

7,500

Retainedearnings

Treasurystock

35,431

Total
shareholders’equity(1,350)168,627
15,000

Increase by merger
Cash dividends

131(5,208)131(5,208)Net income
Acquisition of treasury stock

16,604(10,390)

16,604(10,390)624
10,387528－

Disposal of treasury stock
Retirement of treasury stock
Change of scope of consolidation
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
periodBalance at the beginning ofcurrent period
Changes of items during period(96)(10,387)
(8)

(8)

7,500

(2,983)

11,518622

16,657

79,811

59,251

46,949(728)

185,284

Accumulated other comprehensive incomeNetNet
unrealized
Total
Stock
unrealized Remeasurements ofaccumulated subscription
gain (loss)
gain (loss)
definedotheronrightsonbenefitcomprehensive
availabledeferredplansfor-saleincomehedgessecurities
7,808

0

－

7,809

63

Minority
interests

Total net
assets

8,888

185,389

Issuance of common stock

15,000

Increase by merger

131

Cash dividends(5,208)Net income

16,604

Acquisition of treasury stock
Disposal of treasury stock(10,390)528

Retirement of treasury stock－

Change of scope of consolidation
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
period(8)(7,955)0

1,020(6,933)

4

1,280(5,648)(7,955)0

1,020(6,933)

4

1,280

11,008

(147)

1

1,020

875

68

10,168196,397

For the fiscal year ended March 31, 2015

(Unit: Millions of yen)
Shareholders’ equity

Balance at the beginning ofcurrent period
Cumulative effect of changein accounting policy
Balance at the beginning ofcurrent period which reflects
the change in accounting policy
Change of items during period

Commonstock

CapitalsurplusRetainedearnings

79,811

59,251

46,94979,811

59,251(728)

185,284466

47,415(728)

185,750(4,832)
17,584

Acquisition of treasury stock
Disposal of treasury stock

Balance at the beginning ofcurrent period
Cumulative effect of changein accounting policy
Balance at the beginning ofcurrent period which reflects
the change in accounting policy
Change of items during period

Totalshareholders’equity466

Cash dividends
Net income

Change of scope of consolidation
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
periodTreasurystock(4,832)
17,584
(118)
593

(53)

(118)
539

(11)

(11)

－

(53)

12,739474

13,16079,811

59,19760,155(253)

198,910

Accumulated other comprehensive income
Net
Net
Total
unrealized unrealized Remeasureaccumulated
ments ofgain (loss)
gain (loss)
otherdefinedononcomprehenbenefit
availabledeferred
sive income
plans
for-salehedgessecurities
(147)

1

1,020

875

Stock
subscription
rights68

Minority
interests

Total net
assets

10,168196,397
466

(147)

1

1,020

875

68

10,168

196,863

Cash dividends(4,832)

Net income
Acquisition of treasury stock

17,584(118)

Disposal of treasury stock
Change of scope of consolidation
Net changes in items otherthan shareholders’ equity
Total changes during the period
Balance at the end of current
period539(11)
21,2484

5,193

26,446

1(1,683)24,764

21,2484

5,193

26,446

1(1,683)37,924

21,101

5

6,214

27,321

69

8,485

234,788

(4)Consolidated Statements of Cash Flows(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2014
Cash flows from operating activities
Income before income taxes and minority interests
Depreciation
Loss on impairment of fixed assets
Amortization of goodwill
Amortization of negative goodwill
Gains on negative goodwill incurred(Earnings) losses from investments under the equity method
Increase (decrease) in reserve for possible loan losses
Increase (decrease) in accrued bonuses
Loss (gain) on contribution of securities to retirement benefit
Decrease (increase) in net defined benefit asset
Increase (decrease) in net defined benefit liability
Increase (decrease) in accrued retirement benefits for directors and corporate auditors
Increase (decrease) in reserve for reimbursement of deposits
Increase (decrease) in reserve for point services
Increase (decrease) in reserve for contingent losses
Interest income
Interest expenses(Gain) loss on securities(Gain) loss on money held in trust(Gain) loss on foreign exchange(Gain) loss on sales or disposal of fixed assets, net
Net (increase) decrease in loans and bills discounted
Net increase (decrease) in deposits
Net increase (decrease) in negotiable certificates of deposit
Net increase (decrease) in borrowed money (excluding subordinated borrowings)
Net (increase) decrease in due from banks (excluding due from the Bank of Japan)
Net (increase) decrease in trading account securities
Net (increase) decrease in call loans and bills bought
Net increase (decrease) in payables under securities lending transactions
Net (increase) decrease in foreign exchange (assets)
Net increase (decrease) in foreign exchange (liabilities)
Interest received
Interest paid
Other
Subtotal
Income taxes paid
Net cash provided by (used in) operating activities

19,653
4,656
22
133
(2)
(3)
(29)
(15,890)(29)(2,291)(1,538)
12
(74)
13
7
(13)
(60,870)
8,806(5,060)219(31,497)57(24,104)
90,033－46,608(3,836)(14)
4,655
190,776(1,153)
157
61,215(10,313)8,300
278,607(1,255)277,352

For the Fiscal Year
ended Mar. 31, 2015
22,890
4,833
36
208
(2)
(1,596)(40)(7,015)
3－(1,736)
16
(22)
80
29
(28)
(63,681)
8,210
(560)
(1,670)(35,988)(17)(70,192)
156,353
1,543
48,680(2,687)(54)
1,200(64,514)(792)
172
65,823(9,444)
2,947
52,981(1,342)
51,639(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2014
Cash flows from investing activities
Purchases of securities
Proceeds from sales of securities
Proceeds from maturity of securities
Increase in money held in trust
Decrease in money held in trust
Purchases of tangible fixed assets
Purchases of intangible fixed assets
Proceeds from sales of tangible fixed assets
Proceeds of investments in subsidiaries resulting in change in scope of consolidation
Net cash provided by (used in) investing activities
Cash flows from financing activities
Proceeds from stock issuance of common stock
Decrease in subordinated borrowings
Increase in subordinated bonds and bonds with stock subscription rights
Cash dividends paid
Cash dividends paid for minority shareholders
Purchases of treasury stock
Proceeds from disposal of treasury stock
Net cash provided by (used in) financing activities
Effect of exchange rate changes on cash and cash equivalents
Net increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year

For the Fiscal Year
ended Mar. 31, 2015

(1,123,362)
291,683
660,551(8,612)381(2,733)(1,500)56(2,400)(185,936)(841,250)
818,433
311,784(38)
1,691(1,761)(1,857)565－
287,566

15,000－20,000(5,208)(247)(10,390)624
19,778(239)
110,955
95,361
206,317－(8,000)－(4,832)
(480)
(118)
593
(12,839)(199)
326,167
206,317532,484Senshu Ikeda Holdings,Inc.

Selected Financial Information
for the FY2014(Ended March 31, 2015)

Senshu Ikeda Holdings,Inc.
【Contents】
Ⅰ

FY2014 Results (Financial Highlights)

1

Summary of Profit and Loss
(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank
Information on Main Accounts(1) Loans and Bills Discounted(2) Deposits(3) Securities(4) Assets under Management
Status of Credits disclosed under the Financial Revitalization Law

2

3
4

Capital ratio(1) Senshu Ikeda Holdings (domestic standard)(2) The Senshu Ikeda Bank (domestic standard)

5

Consolidated
Non-consolidated

・・・・・・・・・・・・・・・・・・・・・・

1
1

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

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

3・4
4
5
6
6

Consolidated
Non-consolidated
Consolidated

・・・・・・・・・・・

7

・・・・・・・・・・・

7

・・・・・・・・・・・

8・9

・・・・・・・・・・・

9

Consolidated
Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated

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

10
11・12
13
13
13
14
14
15

Consolidated
Non-consolidated
Consolidated

・・・・・・・・・・・

16

・・・・・・・・・・・

16

・・・・・・・・・・・・

17・18

・・・・・・・・・・・・

19

・・・・・・・・・・・・

19

Non-consolidated

・・・・・・・・・・・・

20

Non-consolidated

・・・・・・・・・・・・

21

Non-consolidated

・・・・・・・・・・・

22

Non-consolidated

・・・・・・・・・・・

23

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

FY2014 Results (Summary of Financial Results)

1

Financial Results(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank
Banking Profit
Interest Margins
ROE
Number of Directors and Employees, and Branches
Gains and Losses on Investment Securities
Net Unrealized Gains (Losses) on Securities
Capital Ratio(1) Senshu Ikeda Holdings(domestic standard)

2
3
4
5
6
7
8

(2) The Senshu Ikeda Bank(domestic standard)

Ⅲ

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

5
6
7

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

Consolidated
Non-consolidated
Non-consolidated

Non-consolidated
Consolidated
Non-consolidated
Consolidated
Non-consolidated
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, status of claims under the Financial Revitalization Law, risk monitored loans, andreserve for possible loan losses, the total amounts of The Senshu Ikeda Bank and two business rehabilitation subsidiaries are stated as well.

Senshu Ikeda Holdings,Inc.

I FY2014 Results (Financial Highlights)
1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings 【Consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31, 2014(b)

For the fiscal year
ended Mar. 31, 2015(a)Ordinary revenue

104,855

114,324

9,469

Ordinary expenses

87,30392,982

5,679

Ordinary income

17,551

21,342

3,791

Income before income taxes and minority interests

19,65322,8903,237

Net income

16,604

17,584980

Comprehensive income

9,201

45,06935,868Net credit costs

3,316

1,902

(1,414)(a)-(b)(2) The Senshu Ikeda Bank 【Non-consolidated】
Gross profit increased by ¥1,475 million year-on-year to ¥60,844 million. This was due to increase in net interest income by¥3,745 million, increase in net fees and commissions income by ¥1,753 million, and decreases of net other operation incomeby ¥4,022 million.
Banking profit decreased by ¥2,855 million year-on-year to ¥15,234 million. Disposal of non-performing loans decreased by¥5,589 million year-on-year to ¥1,365 million. Net gains on equity securities decreased by ¥1,994 million year-on-year to¥3,352 million.
Ordinary income increased by ¥4,186 million year-on-year to ¥17,703 million, and net income increased by ¥288 million
year-on-year to ¥15,034 million.
(Millions of yen)
For the fiscal year
ended Mar. 31, 2014(b)
59,369For the fiscal year
ended Mar. 31, 2015(a)
60,844(a)-(b)1,475

Net interest income

53,12556,8703,745

3

Net fees and commissions income

5,997

7,750

1,753

4

Net other operation income

246(3,776)(4,022)

46,34745,610(737)

22,56022,095(465)

21,69821,154(544)

13,021

15,234

2,213

13,256

17,974

4,718

(234)

(2,740)(2,506)(5,067)―

5,067

18,08915,234(2,855)

1
2

5
6
7
8
9

Gross profit

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 securities①②(4,571)

2,469

7,040

6,954

1,365

(5,589)

5,346

3,352

(1,994)16

Ordinary income

13,517

17,703

4,186

17

Net extraordinary income (loss)

2,243

(15)

(2,258)18

Income before income taxes

15,76017,687

1,927

19

Total income taxes (-)

1,013

2,652

1,639

20

Income taxes-current (-)

(130)

451

581

21

Income taxes-deferred (-)

1,144

2,201

1,057

22

Net income

14,74615,034288

23

Net credit costs ①+②

1,887

1,365

(522)

- 1 -

Senshu Ikeda Holdings,Inc.
(Reference 1) Substantial figures after deduction of specific factors
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)Disclosed figures(a)ended Mar. 31, 2014

Core gross profit

63,584

3,980

Net interest income

56,8703,745

Net fees andcommissions income

7,750

1,753

Expenses (-)(1,035)45,610(1,516)

Core banking profit

17,974

4,718(2,740)(2,506)

Net other
operation income

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

15,234

Net gains (losses)
on equity securities

3,352

OthersOrdinary income

Substantial figures(b)(a)- For the fiscal year

(883)

(737)

2,213

(b)- For the fiscal year

ended Mar. 31, 2014

Core gross profit

65,715

2,131

2,216

Net interest income

56,92252

224

56,922

Net fees andcommissions income

7,750

－

1,753

d

(1,035)e(2,078)Net other
operation income

1,042

2,077

240

Ｓｕｂｓｔａｎｔｉａｌ net other operation income(d-e)

1,042Expenses (-)

45,610－(737)

Net gains (losses) on debt securities(f-g+h)(2,740)Core banking profit

20,105

2,131

2,954

Net gains (losses) on
debt securities

1,668

4,408

(383)

Banking profit (before
provision for general reservefor possible loan losses)

21,774

6,540

2,571

Net gains (losses) on
equity securities(3,187)(6,539)(4,642)Others

(883)

－

3,968

17,703

－

1,895

(15)

－

32

Net interest incomea
Net gains (losses) from cancellation of hedging b
investment trust for cross-shareholdings
Net gains (losses) from cancellation of hedging
cinvestment trust for portfolio investment

56,870Ｓｕｂｓｔａｎｔｉａｌ net interest income（a-b-c）
Net other operation income
Bond futures

366
(418)

（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

8,839

g

(6,906)h(4,673)(1,994)3,968(b)-(a)（Net gains (losses) from cross-shareholdings）

Net gains (losses) on iequity securities

3,352

Ordinary income

17,703

4,186

Income taxes

(15)

2,652

(2,258)
1,639

Income taxes

2,652

－

1,639

Net income

15,034288

Net income

15,034－288

Net extraordinary
income (loss)

Net gains (losses) from cancellation of hedging b
investment trust for cross-shareholdings
Net gains (losses) from sales of hedging
ginvestment trust for cross-shareholdings
Total(i+b+g)

366

Net extraordinary
income (loss)(6,906)(3,187)(Reference 2) ROE
Senshu Ikeda Holdings 【Consolidated】（％）
For the fiscal year
ended Mar. 31, 2011

For the fiscal year
ended Mar. 31, 2012

For the fiscal year
ended Mar. 31, 2013

For the fiscal year
ended Mar. 31, 2014

For the fiscal year
ended Mar. 31, 2015

(b)

(a)

Shareholders’ equity ROE (Net income
4.79
5.88
7.70
11.10
before minority interests basis)
Shareholders’ equity ROE (Net
4.10
2.10
5.89
9.38
income basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

(a)-(b)

11.91

0.81

9.15

(0.23)（％）
For the fiscal year
ended Mar. 31, 2011

For the fiscal year
ended Mar. 31, 2012

For the fiscal year
ended Mar. 31, 2013

For the fiscal year
ended Mar. 31, 2014

For the fiscal year
ended Mar. 31, 2015

(b)

(a)

(a)-(b)

ROE (Net income before minority interests basis)

5.15

6.31

7.79

10.84

11.10

0.26

ROE (Net income basis)

4.40

2.25

5.96

9.15

8.52

(0.63)- 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 March 2015 increased by ¥71.2 billion from the end of March 2014 to¥3,656.0 billion.
The balance of deposits at the end of March 2015 increased by ¥155.2 billion from the end of March 2014 to ¥4,772.5 billion.
(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar. 31, 2011
Corporate loans

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)1,716,329

1,768,632

1,806,060

1,852,886

1,912,885

59,999Large and mid-tier enterprises

374,024

353,759

403,094438,234

465,198

26,964

Small and medium-sized enterprises

1,118,107

1,127,412

1,083,547

1,102,973

1,167,700

64,727

Local governments etc.

224,197

287,459

319,417311,679

279,986(31,693)

1,796,061

1,758,852

1,756,962

1,731,940

1,743,166

11,226

Housing loans

1,753,899

1,720,255

1,721,077

1,700,370

1,716,611

16,241Other loans

42,162

38,59735,88531,57026,554(5,016)3,512,391

3,527,485

3,563,023

3,584,827

3,656,051

71,224

1,330

8,506

20,33647,141

60,348

13,207

Consumer loans

Total
Foreign currency loans

Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar. 31, 2011
Corporate loans

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)1,716,329

1,768,632

1,839,811

1,885,130

1,936,964

51,834Large and mid-tier enterprises

374,024

353,759

403,094438,234

465,198

26,964

Small and medium-sized enterprises

1,118,107

1,127,412

1,116,939

1,134,858

1,191,420

56,562

224,197

287,459

319,776

312,038

280,344(31,694)

1,796,061

1,758,852

1,756,962

1,731,940

1,743,166

11,226

Housing loans

1,753,899

1,720,255

1,721,077

1,700,370

1,716,611

16,241Other loans

42,162

38,59735,88531,57026,554(5,016)3,512,391

3,527,485

3,596,774

3,617,071

3,680,130

63,059

1,330

8,506

20,33647,141

60,348

13,207

Local governments etc.
Consumer loans

Total
Foreign currency loans②Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar. 31, 2011
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)2,939,762

2,901,231

2,856,262

2,847,679

2,913,325

65,646

83.69

82.24

80.16

79.43

79.68

0.25

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar. 31, 2011
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)2,939,762

2,901,231

2,890,013

2,879,923

2,937,404

57,481

83.69

82.24

80.35

79.62

79.81

0.19

- 3 -

Senshu Ikeda Holdings,Inc.
③Loans guaranteed by Credit Guarantee Corporations(Millions of yen)
As of Mar. 31, 2011
Loans guaranteed by Credit
Guarantee Corporations

237,317

As of Mar. 31, 2012
237,907

As of Mar. 31, 2013
235,892

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

235,192

232,309(a)-(b)(2,883)(2) Deposits①Breakdown of deposit balance(Millions of yen)
As of Mar. 31, 2011

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)Individual

3,562,663

3,566,886

3,619,531

3,662,810

3,744,025

81,215

Corporation

794,342

840,823

893,361954,524

1,028,510

73,986

General corporation

714,399739,224759,234

813,752

850,231

36,479Financial institutions

20,126

5,176

7,404

23,09328,145

5,052

Governmental funds

59,81596,422

126,722

117,678

150,133

32,455

4,357,005

4,407,710

4,512,893

4,617,334

4,772,536

155,202

15,90813,14549,04955,742

49,214(6,528)Total
Foreign currency deposits- 4 -Senshu Ikeda Holdings,Inc.
(3) Securities①Breakdown of security balance(Millions of yen)
As of Mar. 31, 2011
Securities

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)1,081,565

1,203,706

1,193,126

1,399,377

1,163,549(235,828)

Government bonds

347,546

398,381401,161

319,287

164,153(155,134)

Local government bonds

84,323

77,97256,33353,642

51,256(2,386)

Corporate bonds

211,276

229,180

229,218

315,224

273,480(41,744)

82,231

97,329119,664

189,221

197,171

7,950

－

9,647

4,668

12,6439,384(3,259)129,045

122,203104,885

113,358

66,924(46,434)

65,23464,63097,541

89,986

101,658

11,672

Authority bonds
Bank debenture bonds
General corporate bonds
StocksOther securities

373,185

433,540

408,871621,236572,999(48,237)

Foreign securities

232,978

283,307179,992

369,427

269,125(100,302)

Euroyen bonds

35,00629,26035,96430,99838,993

7,995

Dollar-dominated bonds

96,519225,839

114,356

251,741

230,125(21,616)Euro-dominated bonds

101,451

28,203

29,666

86,681－(86,681)

REIT

27,02734,41943,96333,74531,040(2,705)Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership

108,590

111,822

180,369

213,286

267,719

54,433

41,60049,182

48,334

72,271

16,980(55,291)

4,588

3,991

4,545

4,777

5,115

338

②Net unrealized gains (losses) on securities(Millions of yen)
As of Mar. 31, 2011
Held-to-maturity debt securities

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)

594

474

503

542

590

48

(12,831)(11,765)

9,498

2,407

27,69525,288Stocks(6,641)(5,874)

12,445

14,564

31,198

16,634

Bonds

10,858

2,577

2,467

1,763

1,125

(638)

9,154

47

147

179

35

(144)

Available-for-sale securities

Government bonds
Local government bonds
Corporate bonds
Other securities
Foreign securities
Euroyen bonds

626

567

285

163

161

(2)

1,077

1,962

2,034

1,420

929

(491)

(17,048)(8,468)(5,414)(13,920)(4,628)

9,292(3,921)229

616(3,469)

(734)

2,735

99

(140)

(35)

(1)

(6)

(5)

Dollar-dominated bonds(1,724)

(144)

166

(3,520)

(727)

2,793

Euro-dominated bonds(2,296)

514

485

52

－

(52)

124

(1,828)

6,361

(51)

2,414

2,465

(13,248)(6,855)(12,519)(10,656)(6,515)4,141(9,025)(5,889)(12,690)(8,849)(7,017)

1,832

(3)

(13)

127

257

206

(51)

REIT
Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership- 5 -Senshu Ikeda Holdings,Inc.
(4) Assets under Management
Investment product sales were ¥278.1 billion.
① Investment products sales(Millions of yen)
For the fiscal
year
ended
Mar. 31, 2011

For the fiscal
year
ended
Mar. 31, 2012

For the fiscal
year
ended
Mar. 31, 2013

For the fiscal
year
ended
Mar. 31, 2014(b)

For the fiscal
year
ended
Mar. 31, 2015(a)(a)-(b)The Senshu Ikeda Bank

169,062

169,677

214,759

222,194

231,584

9,390

Investment trusts

73,53566,789111,897

136,422

151,413

14,991

Public bonds

4,632

12,872

12,132

3,939

2,937

(1,002)

Life insurance

90,89390,01590,72981,833

77,234(4,599)20,421

46,533

26,112

242,615

278,11735,502Senshu Ikeda Tokai Tokyo Securities
Total

169,062

169,677

214,759(Note) Comparison figures for Senshu Ikeda Tokai Tokyo Securities have not been stated as it commenced operation in September,
2013.
② Balance of assets under management(Millions of yen)
As of Mar. 31, 2011

As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)The Senshu Ikeda Bank

288,147

245,234

255,666

240,862

237,827(3,035)Investment trusts

216,892

184,860

198,822

191,032

204,260

13,228Public bonds

71,25460,37356,84349,83033,566(16,264)

44,366

68,34623,980285,229

306,173

20,944

Senshu Ikeda Tokai Tokyo Securities
Total

288,147

245,234

255,666(Note) Comparison figures for Senshu Ikeda Tokai Tokyo Securities have not been stated as it commenced operation in September,
2013.

3. 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 March 2015 including two businessrehabilitation subsidiaries, decreased ¥1.5 billion from the end of March 2014 to ¥69.6 billion. As a result, NPL ratio as at theend of March 2015 declined 0.07% from the end of March 2014 to 1.88%.
(Millions of yen, %)As of Mar. 31, 2011
Non-performing loans (A)Total credits (B)Non-performing loans ratio (A)/(B)As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)63,00964,742

65,83350,81756,306

5,489

3,567,761

3,573,021

3,598,629

3,614,439

3,679,782

65,343

1.76

1.81

1.82

1.40

1.53

0.13

(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar. 31, 2011
Non-performing loans (A)Total credits (B)Non-performing loans ratio (A)/(B)As of Mar. 31, 2012

As of Mar. 31, 2013

As of Mar. 31, 2014

As of Mar. 31, 2015

(b)

(a)

(a)-(b)63,00964,74286,151

71,18569,644(1,541)

3,567,761

3,573,021

3,632,385

3,646,684

3,703,861

57,177

1.76

1.81

2.37

1.95

1.88

(0.07)- 6 -Senshu Ikeda Holdings,Inc.

4. Capital Ratio
Consolidated capital ratio of Senshu Ikeda Holdings still sustained as high as 10.09%, 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, 2011
(Basel Ⅱ)
Total capital ratio (%)
Total capital
Risk weighted assets

As of Mar. 31, 2012
(Basel Ⅱ)

As of Mar. 31, 2013
(Basel Ⅱ)

As of Mar. 31, 2014
(Basel Ⅲ)(b)

As of Mar. 31, 2015
(Basel Ⅲ)(a)(a)-(b)

10.80

10.92

10.39

10.49

10.09

(0.40)

266,507267,465

261,133

269,782

268,401(1,381)

2,467,413

2,447,561

2,511,308

2,571,273

2,657,817

140,544

As of Mar. 31, 2012
(Basel Ⅱ)

As of Mar. 31, 2013
(Basel Ⅱ)

As of Mar. 31, 2014
(Basel Ⅲ)(b)

As of Mar. 31, 2015
(Basel Ⅲ)(a)(2) The Senshu Ikeda Bank(domestic standard)① Non-consolidated(Millions of yen, %)As of Mar. 31, 2011
(Basel Ⅱ)
Total capital ratio (%)
Total capital
Risk weighted assets(a)-(b)

10.54

10.66

9.91

9.69

9.27

(0.42)

257,481258,413

247,422

247,822244,865(2,957)2,440,800

2,423,616

2,495,687

2,557,108

2,639,343(82,235)

As of Mar. 31, 2011
(Basel Ⅱ)

As of Mar. 31, 2012
(Basel Ⅱ)

As of Mar. 31, 2013
(Basel Ⅱ)

As of Mar. 31, 2014
(Basel Ⅲ)(b)

As of Mar. 31, 2015
(Basel Ⅲ)(a)② Consolidated(Millions of yen, %)Total capital ratio (%)
Total capital
Risk weighted assets(a)-(b)

10.53

10.72

10.35

10.96

10.51

(0.45)

259,973

262,608

261,329

283,626

280,062(3,564)2,468,081

2,447,465

2,522,717

2,586,299

2,664,117

77,818- 7 -Senshu Ikeda Holdings,Inc.

5. 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 net income attributable to Senshu Ikeda Holdings’ shareholders 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)
For the six
monthsended Sep.
30, 2014(Result)(d)

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

For the six
monthsended Sep.
30, 2015(Forecast)(b)

Ordinary revenue

50,709114,32454,0003,291

110,000(4,324)

Ordinary income
Net income attributable to Senshu
Ikeda Holdings’ shareholders

9,667

21,342

10,000333

22,000658

8,099

17,5848,500

401

18,000416(b)-(d)For the fiscal
year ended
Mar. 31,2016(Forecast)(a)(a)-(c)【Non-consolidated】(Millions of yen)
For the six
monthsended Sep.
30, 2014(Result)(d)

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

For the six
monthsended Sep.
30, 2015(Forecast)(b)

Operating revenue

5,867

6,133

5,900

33

6,200

67

Operating income

5,479

5,477

5,500

21

5,500

23

Ordinary income

5,451

5,425

5,500

49

5,500

75

Net income

5,436

5,410

5,500

64

5,500

90

(b)-(d)For the fiscal
year ended
Mar. 31,2016(Forecast)(a)(a)-(c)② Cash dividends

For the six months
ended Sep. 30, 2014
(Result)－

For the fiscal year
ended Mar. 31, 2015
(Projection)¥ 15.00

Second-class preferred stock－¥ 1,020 divided by 18.5

Third-class preferred stock－¥ 70.70

Common stock

First series of seventh-class preferred stock

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

For the fiscal year
ended Mar. 31, 2016
(Forecast)¥ 15.00－¥ 70.00－¥ 29.51(Note) As second-class preferred stock was acquired and retired on April 7, 2015, dividends for the fiscal year ended Mar. 31, 2016
is not stated above.
As first series of seventh-class preferred stock was issued on April 7, 2015, dividends for the fiscal year ended Mar. 31, 2015
is not stated above.
③ Capital ratio(%)

Capital ratio(Consolidated)

As of Sep. 30, 2014
(Result)

As of Mar. 31, 2015
(Preliminary figures)

As of Sep. 30, 2015
(Forecast)

As of Mar. 31, 2016
(Forecast)

10.60

10.09

Latter half of 10

Latter half of 10- 8 -Senshu Ikeda Holdings,Inc.
④ ROE
(%)

Shareholders’ equity ROE (Netincome attributable to Senshu
Ikeda Holdings’ shareholders basis)

For the six months
ended Sep. 30, 2014
(Result)

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

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

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

8.62

9.15

First half of 8First half of 8

(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(2) The Senshu Ikeda Bank
① Financial forecasts【Non-consolidated】(Millions of yen)
For the six
monthsended Sep.
30, 2014(Result)(d)

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

For the six
monthsended Sep.
30, 2015(Forecast)(b)

Ordinary revenue

44,33999,73947,0002,661

95,000(4,739)Ordinary income

8,098

17,703

9,000

902

19,0001,297

Net income

7,606

15,0348,000

394

16,000966

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

7,997

15,234

10,5002,503

21,500

6,266

8,444

15,234

10,5002,056

21,500

6,266

6,975

17,97410,0003,025

21,000

3,026

864

1,365

2,000

1,136

4,000

2,635

Net credit costs(b)-(d)For the fiscal
year ended
Mar. 31,2016(Forecast)(a)(a)-(c)② Capital ratio(%)
As of Sep. 30, 2014
(Preliminary figures)

As of Mar. 31, 2015
(Preliminary figures)

As of Sep. 30, 2015
(Forecast)

As of Mar. 31, 2016
(Forecast)

Capital ratio(Non-consolidated)

9.81

9.27

Approx. 10

Approx. 10

Capital ratio(Consolidated)

11.08

10.51

Approx. 11

Approx. 11- 9 -Senshu Ikeda Holdings,Inc.

Ⅱ FY2014 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 fiscal year
ended Mar. 31, 2015(a)

For the fiscal year
ended Mar. 31, 2014(a)-(b)(b)

1Consolidated gross profits

67,964

1,448

66,5162

Net interest income

55,471

3,407

52,064

3

Net fees and commissions income

15,807

1,696

14,111

4

Net other operation income(3,313)(3,653)340
52,582

5

General and administrative expenses (-)

51,794(788)

6

Net disposal of nonperforming loans (-)

1,902(1,414)

3,316

－

6,780

(6,780)7

Provision for general reserve for possible loan losses (-)

8

Written-off loans (-)

4,720

736

3,984

9

Provision for specific reserve for possible loan losses (-)－(7,525)

7,525

10

Provision for contingent losses (-)

(28)

(22)

(6)

11

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

97

(2)

99

12

Recoveries of written off claims

1,768

134

1,634

13

Reversal of reserve for possible loan losses

1,350

1,350

－

14

Others (-)

232

104

128

3,300

(1,995)

5,295

40

11

29

15

Net gains (losses) on equity securities

16

Equity in earnings of affiliates

17

Others

3,733

2,124

1,609

18

Ordinary income

21,342

3,791

17,55119

Net extraordinary income (loss)

1,548

(553)

2,101

20

Income before income taxes and minority interests

22,8903,237

19,65321

Total income taxes (-)

4,277

1,756

2,521

22

Income taxes-current (-)

1,869

980

889

23

Income taxes-deferred (-)

2,407

776

1,631

24

Net income before minority interests

18,613

1,481

17,13225

Minority interests(-)

1,028

501

527

26

Net income

17,584980

16,604

Consolidated Statement of Comprehensive Income(Millions of yen)23

Net income before minority interests

18,613

1,481

17,132

26

Total other comprehensive income

26,45634,386(7,930)21,25829,189(7,931)27

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

28

Net unrealized gain (loss) on deferred hedges

29

Remeasurements of defined benefit plans

30

Comprehensive income

4

4

0

5,193

5,193

－

45,06935,8689,201(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 Mar. 31, 2015(a)

As of Mar. 31, 2014(a)-(b)(b)Consolidated subsidiaries

30

―

30

Affiliated companies accounted for by the equity method

3

―

3

- 10 -

Senshu Ikeda Holdings,Inc.
(2) The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31, 2015
(a)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19

For the fiscal year
ended Mar. 31, 2014(a)-(b)(b)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

60,84456,8707,750(3,776)(2,740)53,60551,862
7,727(5,983)(6,071)
7,238
5,007
23
2,207
3,330
45,61022,095
21,154
2,360

1,475
3,745
1,753
(4,022)(2,506)(1,402)
3,084
1,744(6,228)(6,364)
2,877
661
9
2,206
3,858
(737)
(465)
(544)
271

59,36953,125
5,997
246
(234)
55,007
48,778
5,983
245
293
4,361
4,346
14
1
(528)
46,34722,56021,6982,089

15,234

2,213

13,021

17,974(2,740)－4,718(2,506)
5,067

13,256(234)(5,067)

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
Reversal of reserve for possible loan losses
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)

15,234
2,469
1,365
1,711
－
(28)
(16)
477
56
232
3,352
3,816
426
37
481

(2,855)
7,040(5,589)385(6,211)
(22)
4
(208)
56
104
(1,994)(2,013)
(46)
27
3,444

18,089(4,571)
6,954
1,326
6,211
(6)
(20)
685
―
128
5,346
5,829
472
10
(2,963)

Ordinary income
Net extraordinary income (loss)

17,703(15)

4,186(2,258)13,5172,243

45

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

17,687
2,652
451
2,201
15,034

1,927
1,639
581
1,057
288

15,760
1,013
(130)
1,144
14,74646

Net credit costs ①+②

1,365

(522)

1,887

20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44

- 11 -

Senshu Ikeda Holdings,Inc.
(Reference) Structure of profits (For the fiscal year ended Mar. 31, 2015)【Gross profit】［1］Gross profit ¥ 60.8 billion

Interest income¥64.9 billion
Interest on loans and bills discounted, interest anddividends on securities, etc.

－

Interest expenses¥8.1 billion
Interest on deposits, interest on bonds, etc.

［2］Net interest income＝¥56.8 billion＋

Fees and commissions¥16.4 billion
Fees and commissions income of investment
trusts, bank transfer fee, ATMs.

－

Fees and commissions payments¥8.7 billion
Loan guarantee charge, the charge of a groupcredit life insurance, etc.

［3］Net fees and commissions income＝¥7.7 billion＋

Other operating income¥10.5 billion
Gains related to bonds, gains on foreign exchangetransactions, etc.

－

Other operating expenses¥14.3 billion
Losses related to bonds, etc.

［4］Net other operating income＝(¥3.7 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)¥15.2 billion¥45.6 billion

Personnel, non-personnel, taxes[1]－[16]［1］Gross profit¥60.8 billion⇒［22］Net gains (losses) on debt securities(¥2.7 billion)［21］Core banking profit¥17.9 billion［1]－[16]－[22]⇒［23］Provision for general reserve forpossible loan losses¥― billion［24］Banking profit¥15.2 billion[1]－[16]－[23]【Ordinary income】
Non-recurring income＋［24］Banking profit¥15.2 billion¥7.7 billion
Gains on sales of equity securities＝

Non-recurring expenses¥5.2 billion－［39］Ordinary income¥17.7

Disposal of non-performing loans, losses related tostocks, severance payment【Net income】［39］Ordinary income¥17.7 billion＋［40］Net extraordinary income (losses)(¥0.0 billion)－［43］Income taxes-current¥0.4 billion－［44］Income taxes-deferred¥2.2 billion

Impairment of non-current assets, etc.

- 12 -［45］Net income¥15.0 billion

Senshu Ikeda Holdings,Inc.

2. Banking Profit
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31, 2015(a)

For the fiscal year
ended Mar. 31, 2014(a)-(b)(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)

15,234

2,213

13,021

5,850

1,061

4,789

17,974

4,718

13,256

6,902

2,027

4,875

15,234(2,855)18,089

5,850

(802)

6,652

3. Interest Margins
The Senshu Ikeda Bank 【Non-consolidated】(%)
For the fiscal year
ended Mar. 31, 2015(a)

For the fiscal year
ended Mar. 31, 2014(a)-(b)All
Domestic
businessbusinessAllbusiness

Domestic
business

0.05

1.25

1.21

(0.10)(0.10)

1.43

1.44

1.13

0.47

0.56

0.81

0.57

1.05

1.06

(0.07)(0.05)

1.12

1.11

1.09

1.05

(0.05)(0.05)

1.14

1.10

0.12

0.11

(0.01)(0.02)

0.13

0.13

0.97

0.93

(0.04)(0.04)

1.01

0.97

0.49

0.54

(0.37)(0.42)

0.86

0.96(3) Average interest rate spread (A)－(C)

0.25

0.20

0.12

0.10

0.13

0.10

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

0.24

0.29

(0.05)(0.05)

0.29

0.34(1) Average yield on interest earning
assets(i)Average yield on loans andbills discountedAllbusiness

Domestic
business

(A)

1.30

1.26

0.05

(B)

1.33

1.34

1.28

(b)

(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

4. ROEThe Senshu Ikeda Bank 【Non-consolidated】(%)
For the fiscal year
ended Mar. 31, 2015(a)Banking profit (before provision for general reserve forpossible loan losses) basis
Banking profit basis

For the fiscal year
ended Mar. 31, 2014(a)-(b)

(b)

8.07

0.62

7.45

8.07

(2.28)

10.35

Core banking profit basis

9.53

1.94

7.59

Net income basis

7.97(0.47)

8.44- 13 -

Senshu Ikeda Holdings,Inc.

5. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank 【Non-consolidated】① Employees and Officers(Number of people)
As of Mar. 31,
2015(a)Directors and auditors(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

29

(1)

(2)

30

31

Employees

2,498

(88)

(110)

2,586

2,608

Total

2,527

(89)

(112)

2,616

2,639

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,
2015(a)Branches(a)-(b)(a)-(c)134――

Sub-branches

As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)
134

134

5

―

―

5

5

Total

139

―

―

139

139

(Reference) ATMs

218

1

1

217

217

6. Gains and Losses on Investment Securities
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31, 2015(a)
Gains (losses) on debt securities
Gain on sales
Gain on redemption

For the fiscal year
ended Mar. 31, 2014(a)-(b)(b)(2,740)(2,506)

(234)

9,582

3,501

6,081

―

―

―

12,323

9,375

2,948

Loss on redemption (-)

―

―

―

Loss on write-down (-)―(3,367)

3,367

Loss by investment partnership (-)

―

―

―

Loss on sales (-)(Millions of yen)
For the fiscal year
ended Mar. 31, 2015(a)
Gains (losses) on equity securities

For the fiscal year
ended Mar. 31, 2014(a)-(b)

(b)

3,352

(1,994)

5,346

Gain on sales

3,816(2,013)

5,829

Loss on sales (-)

426

(46)

472

Loss on write-down (-)

37

27

10

- 14 -

Senshu Ikeda Holdings,Inc.

7. Net Unrealized Gains (Losses) on Securities
The Senshu Ikeda Bank 【Non-consolidated】(1) Held-to-maturity debt securities (with market value)(Millions of yen)
As of Mar. 31, 2015
Government
bonds
Local government
bonds
Corporate
bonds
Other
Total

Carrying
value

Fair value

Difference

24,99725,071―

As of Sep. 30, 2014

Unrealized gain

Unrealized loss

Carrying
value

Unrealized gain

Unrealized loss

73

73

―

24,99725,048

50

50

―

―

―

―

―

―

―

―

―

―

31,30731,39083

83―

35,20635,341

134

134

―

27,00027,434

434

436

2

26,00026,328

328

361

33

83,30583,895

590

592

2

86,20486,717

512

545

33

Fair value

Difference

As of Mar. 31, 2014
Carrying
value

Fair value

Difference

Unrealized gain

Unrealized loss

24,99725,024

26

26

―

―

―

―

―

―

45,40645,601

195

200

5

18,00018,321

321

321

―

88,403

88,946

542

548

5

(2) Available-for-sale securities (with market value)(Millions of yen)
Acquisition
cost
Equitysecurities
Bonds
Government
bonds
Local government
bonds
Corporate
bonds
Other
Total

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

Unrealized loss

Acquisition
cost

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

Unrealized loss

42,24373,441

31,19831,778580

47,16571,48924,32425,753

1,429

431,460

432,586

1,125

1,238

112

606,949

608,892

1,943

1,978

35

139,120

139,15535

35―

286,502286,886

384

385

1

51,09551,256

161

174

13

58,926

59,101

175

180

5

241,243

242,173

929

1,029

99

261,520

262,904

1,383

1,412

28

547,189542,560(4,628)

5,855

10,484

617,860

605,990(11,870)

3,752

15,622

1,020,893

1,048,588

27,69538,873

11,1781,271,976

1,286,373

14,396

31,48417,088Acquisition
cost

Carrying
value

Difference

Unrealized gain

Unrealized loss

47,72962,294

14,564

16,912

2,348

615,986

617,750

1,763

1,880

117

294,110294,290

179

194

14

53,47853,642

163

173

9

268,398

269,818

1,420

1,512

92

614,151

600,230(13,920)

2,297

16,217

1,277,868

1,280,275

2,407

21,09018,683As of Mar. 31, 2014

- 15 -

Senshu Ikeda Holdings,Inc.

8. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar. 31, 2015
(Preliminary figures)(a)

As of Sep. 30, 2014 As of Mar. 31, 2014(a)-(b)(a)-(c)(b)(c)

Total capital ratio (%)

10.09(0.51)(0.40)

10.60

10.49

Total capital(A)-(B)268,401(10,734)(1,381)

279,135

269,782

275,747(4,545)

4,680

280,292

271,067

153,292

4,208

13,098149,084

140,194

14,711(1,799)(1,453)

16,51016,16440,000――40,00040,00065,224(7,247)(7,247)72,471

72,471

7,346

6,189

6,061

1,157

1,285

2,657,817

24,47386,544

2,633,344

2,571,273

106,312

979

3,462

105,333

102,850

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)Risk weighted assets
Required capital(2) The Senshu Ikeda Bank (domestic standard)① Non-consolidated(Millions of yen)
As of Mar. 31, 2015
(Preliminary figures)(a)

Total capital ratio (%)
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)Risk weighted assets
Required capital

As of Sep. 30, 2014 As of Mar. 31, 2014(a)-(b)(a)-(c)

(b)

(c)

9.27

(0.54)(0.42)

9.81

9.69

244,865(11,510)(2,957)

256,375

247,822250,192(6,580)

1,941

256,772

248,251

177,751

1,928

10,000175,823

167,751

5,402(1,057)

(610)

6,459

6,012

―

―

―

―

－

67,039(7,449)(7,449)74,48874,488

5,327

4,931

4,898

396

429

2,639,343

25,95982,2352,613,384

2,557,108

105,573

1,038

3,289

104,535

102,284② Consolidated(Millions of yen)
As of Mar. 31, 2015
(Preliminary figures)(a)

As of Sep. 30, 2014 As of Mar. 31, 2014(a)-(b)(a)-(c)(b)(c)

Total capital ratio (%)

10.51(0.57)(0.45)

11.08

10.96

Total capital(A)-(B)280,062(12,431)(3,564)292,493283,626

286,016(6,874)

1,961

292,890

284,055

187,216

3,946

12,490183,270

174,726

14,711(1,799)(1,453)

16,51016,164

―

―

―

―

―

82,796(9,200)(9,200)91,99691,996

5,953

5,557

5,524

396

429

2,664,117

25,19377,8182,638,924

2,586,299

106,564

1,008

3,113

105,556

103,451

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)Risk weighted assets
Required capital- 16 -

Senshu Ikeda Holdings,Inc.

Ⅲ Overview of Loans and Bills Discounted
1. Risk Monitored Loans
The Senshu Ikeda Bank
① Non-consolidated

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

As of Mar. 31,
2015
(a)
2,494
42,300―11,192
55,988(Note) Amount of partial direct write-off
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

Loans and bills discounted

Ratio of total loans
and bills discounted

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

As of Mar. 31,
2015(a)3,656,051
As of Mar. 31,
2015
(a)
0.06
1.15
―
0.30
1.53

(a)-(b)(1,767)
302
(119)
402
(1,181)
14,436 million yen
14,491 million yen
14,762 million yen(a)-(c)
(705)
(695)
―
6,928
5,529
Delinquent loans
Delinquent loans
Delinquent loans

As of Sep. 30,
2014
(b)
4,261
41,998119
10,79057,169(Millions of yen)
As of Mar. 31,
2014
(c)
3,199
42,995―
4,264
50,45944,835 million yen
44,858 million yen
43,747 million yen(a)-(c)71,224As of Sep. 30,
2014(b)3,610,132

As of Mar. 31,
2014(c)3,584,827(a)-(c)(0.02)(0.04)―
0.19
0.13

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

(%)
As of Mar. 31,
2014
(c)
0.08
1.19
―
0.11
1.40

(a)-(b)(1,625)(1,689)(119)367(3,066)(a)-(c)(563)(7,769)―6,832(1,501)

As of Sep. 30,
2014
(b)
4,261
54,840119
13,171
72,392(Millions of yen)
As of Mar. 31,
2014
(c)
3,199
60,920―6,706
70,827

17,297 million yen
14,491 million yen
14,762 million yen

Delinquent loans
Delinquent loans
Delinquent loans(a)-(b)45,919(a)-(b)(0.05)(0.01)(0.00)
0.01(0.05)(Reference)
Including two business rehabilitation subsidiaries

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

As of Mar. 31,
2015
(a)
2,636
53,151―
13,53869,326(Note) Amount of partial direct write-off
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

Loans and bills discounted

Ratio of total loans
and bills discounted

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

As of Mar. 31,
2015(a)3,680,130
As of Mar. 31,
2015
(a)
0.07
1.44
―
0.36
1.88

(a)-(b)44,085(a)-(b)(0.04)(0.06)(0.00)
0.00(0.11)- 17 -

45,394 million yen
48,286 million yen
44,005 million yen(a)-(c)63,059As of Sep. 30,
2014(b)3,636,045

As of Mar. 31,
2014(c)3,617,071(a)-(c)(0.01)(0.24)―
0.18(0.07)

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

(%)
As of Mar. 31,
2014
(c)
0.08
1.68
―
0.18
1.95

Senshu Ikeda Holdings,Inc.
② Consolidated
As of Mar. 31,
2015(a)Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

3,522
54,195―
13,53871,255(Note)Amount of partial direct written-off
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(a)-(b)(1,778)(2,013)(119)367(3,544)(a)-(c)(478)(7,978)―
6,832(1,626)

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

Delinquent loans
Delinquent loans
Delinquent loans

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

Loans and bills discounted(a)-(b)44,111(a)Ratio of total loans
and bills discounted(Notes)

0.09
1.47
―
0.36
1.94

(a)-(b)(0.05)(0.07)(0.00)―(0.12)(Millions of yen)
As of Mar. 31,
2014

(b)

(c)

5,300
56,208119
13,171
74,7994,000
62,173―
6,706
72,881

46,747 million yen
49,248 million yen
46,040 million yen
As of Sep. 30,
2014

As of Mar. 31,
2014

(b)
3,628,410(c)
3,609,329

As of Sep. 30,
2014

(%)
As of Mar. 31,
2014

(b)

(c)

(a)-(c)63,192As of Mar. 31,
2015
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

As of Sep. 30,
2014(a)-(c)(0.02)(0.25)―
0.18(0.07)

0.14
1.54
0.00
0.36
2.06

0.11
1.72
―
0.18
2.01

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,
2015
(a)

(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

Reserve for possible loan losses

16,198(990)(1,990)17,18818,188General reserve for possible loan losses

5,402(1,057)

(610)

6,459

6,012

Specific reserve for possible loan losses

10,79668(1,380)10,728

12,176(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar. 31,
2015
(a)

(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

Reserve for possible loan losses

26,232(1,547)(5,818)27,77932,050General reserve for possible loan losses

10,507(1,199)(348)

11,706

10,855Specific reserve for possible loan losses

15,725(347)(5,469)16,072

21,194② Consolidated(Millions of yen)
As of Mar. 31,
2015
(a)

(a)-(b)(a)-(c)(7,017)

As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

Reserve for possible loan losses

31,907(2,401)34,30838,924General reserve for possible loan losses

14,711(1,799)(1,453)

16,51016,164

Specific reserve for possible loan losses

17,196(601)(5,563)

17,79722,759

3. Reserve Ratios for Risk Monitored Loans
The Senshu Ikeda Bank
① Non-Consolidated(%)
As of Mar. 31,
2015
(a)

(a)-(b)28.93

Reserve ratios(1.13)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

(7.11)

30.06

36.04

As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

(Reference)
Including two business rehabilitation subsidiaries(%)
As of Mar. 31,
2015
(a)

(a)-(b)37.83

Reserve ratios(0.54)(a)-(c)(7.42)

38.37

45.25

As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

② Consolidated(%)
As of Mar. 31,
2015(a)Reserve ratios(a)-(b)44.77(1.09)(Note) Reserve Rations = Reserve for possible loan losses / Risk monitored loans- 19 -(a)-(c)(8.63)

45.86

53.40

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,
2015
(a)

(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

Bankruptcy and quasi-bankrupt credit

6,437(2,053)(1,827)

8,490

8,264

Doubtful credit

38,676562

387

38,11438,289Substandard credit

11,192

283

6,928

10,9094,264

Subtotal (A)56,306(1,207)

5,489

57,51350,817

Normal credit

3,623,475

44,13559,854

3,579,340

3,563,621

Total(B)3,679,782

42,92865,3433,636,854

3,614,439

1.53(0.05)

0.13

1.58

1.40

59,614(111)

719

59,72558,895

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar. 31,
2015
(a)

(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

Bankruptcy and quasi-bankrupt credit

7,136(2,129)(1,904)

9,265

9,040

Doubtful credit

48,969(1,211)(6,469)50,18055,438Substandard credit

13,538248

6,832

13,2906,706

Subtotal (A)69,644(3,092)(1,541)72,736

71,185

Normal credit

3,634,217

44,18558,7193,590,032

3,575,498

Total(B)

3,703,861

41,092

57,177

3,662,769

3,646,684

1.88(0.10)(0.07)

1.98

1.95

63,035

(118)

3,883

63,15359,152

Non-performing loans ratio (A)/(B)Partial direct write-off(Notes)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,
2015(a)Coverage amount (C)(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

50,842(2,024)

4,376

52,866

46,466

Reserve for possible loan losses

13,250277(282)

12,973

13,532

Collateral and guarantees

37,591(2,302)

4,657

39,89332,93490.29(1.62)(1.14)

91.91

91.43

Coverage ratio(C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2015)(Millions of yen, %)Credit amount

CoverageamountCollateral andguarantees
5,737

Coverage ratio

Bankruptcy and quasi-bankrupt credit

6,437

6,437

Reserve for possible
loan losses
700

Doubtful credit

38,67635,394

9,951

25,443

91.51

Substandard credit

11,192

9,010

2,599

6,410

80.50

Total

56,30650,842

13,25037,59190.29

100.00(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar. 31,
2015(a)Coverage amount (C)(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

60,968(3,246)(2,032)64,21463,000Reserve for possible loan losses

18,887(254)(4,525)

19,141

23,412

Collateral and guarantees

42,081(2,992)

2,494

45,07339,58787.54(0.74)(0.96)

88.28

88.50

Coverage Ratio (C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2015)(Millions of yen, %)Credit amount

CoverageamountBankruptcy and quasi-bankrupt credit

7,136

7,136

Doubtful credit

48,96943,62914,67028,95989.09

Substandard credit

13,538

10,202

3,307

6,895

75.36

Total

69,64460,96818,88742,081

87.54- 21 -

Collateral andguarantees
6,226

Coverage ratio

Reserve for possible
loan losses
909

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,
2015(a)Domestic(excluding JOM account)(a)-(b)(a)-(c)As of Sep. 30,
2014

As of Mar. 31,
2014

(b)

(c)

3,656,051

45,91971,224

3,610,132

3,584,827

341,673(1,206)947

342,879

340,726

Agriculture and forestry

961

(115)

(407)

1,076

1,368

Fishery

93

44

(6)

49

99

Mining, quarrying and gravel
extraction

220

30

(14)

190

234

Construction

80,890

3,743

3,040

77,147

77,850Electricity, gas, heat and watersupply14,759

1,513

2,997

13,246

11,762

Information and communication

15,281351

648

14,93014,633

Transportation and postal activities

82,569

6,851

8,449

75,71874,120Wholesale and retail trade248,249

4,672

18,844

243,577

229,405

Finance and insurance activities

168,865

(893)

5,598

169,758

163,267

Real estate and rental activities

511,234

14,72233,192496,512

478,042

10,480414

998

10,066

9,482

21,973681

629

21,292

21,344

Life related services and entertainment

12,598342(11)12,256

12,609

Education and study support
activities

7,580

375

(9)

7,205

7,589

Medical and welfare

45,416

6,421

9,292

38,99536,124

Other services

69,047

5,708

7,329

63,33961,718

Local governments

227,548

1,105(11,364)

226,443

238,912

1,796,602

1,159(8,932)

1,795,443

1,805,534

Manufacturing

Academic research, professional
and technical services
Accommodation and foodservice activities

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 Mar. 31, 2015)(Billions of yen, %)Borrower classification under self-assessment guidelines(Credit exposures)
Credit-related loans including loans and bills discounted

Classification
Outstanding
loans

Bankrupt
2.4
Effectively
bankrupt

Category
Category
Ⅰ
0.2

1.4

Category
Ⅱ
2.2

2.4

3.9
Potentiallybankrupt

23.6

11.7

38.6
Requiring
specialcautionCategoryⅢ

Category
Ⅳ

―

―

(0)

(―)

―

―

(0.5)

(0)

Watch list

Classification
Outstanding
loans

Classification

Outstandingbalance of loans

Loans tobankrupt
borrowers

2.4

Delinquent
loans

42.3

Loans past due threemonths or more―

Restructured loans

11.1

Total

55.9

5.7

(9.9)

38.6

11.2

Reserve

Coverage
ratio

0.7

100.00

6.4

Substandard
1.5

Secured or
guaranteed

Bankruptcy andquasi-bankrupt

Doubtful

25.4

9.9

91.51

6.4

2.5

80.50

11.1
Subtotal
37.5

68.9

13.2

90.29

56.3

91.6

Normal160.6
Normal

Risk monitored loans

3.2

12.8
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

3,623.4

3,461.1

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
to total credit: 1.53%

Ratio of risk managed loans tototal loans: 1.53%

3,461.1
Total
3,679.7(Notes)

1.
2.
3.

4.

3,557.1

119.3

3.2

―

Total

(10.5)(0)3,679.7

Loans and bills
discounted

3,656.0

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 -