Financial Results for the Second Quarter of the Fiscal Year ending March 31, 2020
(Consolidated Data)
November 14, 2019
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

https://www.senshuikeda-hd.co.jp/

Atsushi Ukawa

President and Representative Director:

Osamu Tsukagoshi, Executive Officer, General Manager of the
For inquiries:

Corporate Planning and General Affairs Division
Telephone: +81-6-4802-0013
Scheduled date for filing quarterly securities report:

November 28, 2019

Scheduled date to commence dividend payments:

December 2, 2019

Segregated trading accounts:

None

Supplementary material on quarterly financial results:

Yes

Quarterly Financial results presentation meeting: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, 2020
（April 1, 2019－ September 30, 2019)(1) Consolidated Operating Results(%: Changes from previous fiscal year)

Ordinary revenue
Million yen

Ordinary income%

Million yen%

Profit attributable toowners of the parent
Million yen%

Six months ended
September 30, 201945,136

(6.0)

1,757

(59.3)

1,822(38.8)

Six months ended
September 30, 2018

48,063(19.1)

4,329(38.8)

2,981(29.0)(Note) Comprehensive income:Six months ended September 30, 2019:

5,264million yen[(15.1)％)]

Six months ended September 30, 2018:

6,205million yen[(40.1)％)]

Net income
per share

Diluted earnings
per share

Yen

Yen

Six months ended
September 30, 2019

5.17

5.17

Six months ended
September 30, 2018

8.42

8.17

(2) Consolidated Financial Position
Total assets

Total net assets

Equity ratio

Million yen

Million yen%

As of September 30, 20195,464,987

240,071

4.3

As of March 31, 20195,450,878

236,462

4.3(Reference) capital: As of September 30, 2019: 237,747 million yen; As of March 31, 2019: 234,421 million yen
Note:“Equity ratio” is calculated as: (Total net assets at the end of period － Stock subscription rights at the end of period － Noncontrolling interests 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
Annual Dividends per Share
First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2019

－

－

7.50

7.50

15.00

Fiscal Year ending
3.75－
March 31, 2020
Fiscal Year ending
March 31,2020
3.75
7.50
－
(Forecasts)
Note: Revisions of the forecasts from recently announced figures: None
Please refer to “Cash Dividends for Shareholders of Classified Stock” stated hereinafter for information on classified stock(unlisted) which has different rights relation from that of common stocks.

3. Financial Forecasts for the Fiscal Year ending March 31, 2020

(April 1, 2019－March 31, 2020)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue
Million yen
Full Year85,000%(12.6)

Ordinary income
Million yen
5,000%(48.4)

Profit attributable toowners of the parent
Million yen
4,000

Net income per share%

Yen(34.8)

11.60

Note: Revisions of the forecasts from recently announced figures: None

Note(1) Changes in significant subsidiaries during the second quarter of the fiscal year ending March 31, 2020 : 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. :None(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, 2019
281,008,632 shares
As of March 31, 2019
281,008,632 shares(b) Number of treasury shares
As of September 30, 2019
710,007 shares
As of March 31, 2019
1,845,557 shares(c) Average number of shares for the period under review（interim period）
Six months ended September 30, 2019279,679,221 shares
Six months ended September 30, 2018278,286,206 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the Second Quarter（Interim Period）of the Fiscal Year ending
March 31, 2020 (April 1, 2019－September 30, 2019)(1) Non-consolidated Operating Results(%: Changes from previous fiscal year)
Operating revenue
Million yen%

Operating income
Million yen%

Ordinary income
Million yen

Net income%

Million yen%

Six months ended
September 30, 2019

2,894

(10.0)

2,328(16.6)

2,360(16.0)

2,365(16.3)

Six months ended
September 30, 2018

3,216

0.1

2,793

0.1

2,813

0.1

2,828

1.2

Net income
per share
Yen
Six months ended
September 30, 2019

7.11

Six months ended
September 30, 2018

7.87

(2) Non-consolidated Financial Conditions
Total assets

Total net assets

Equity ratio

Million yen

Million yen%

As of September 30, 2019

193,905

192,057

99.0

As of March 31, 2019

194,012

191,639

98.7(Reference) Capital: As of September 30, 2019: 191,988million yen; As of March 31, 2019: 191,568million 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 end of the period.

2. Non-Consolidated Performance Forecasts for the Fiscal Year ending March 31, 2020 (April 1,
2019－March 31, 2020)(%: Changes from corresponding period of previous fiscal year)

Full Year

Operating revenue

Operating income

Ordinary income

Million yen

Million yen

Million yen

4,700

%

(25.7)

4,000%(23.4)

4,000%(23.9)Net income
Million yen

4,000

%

(25.4)Net income per share
Yen

11.60

Disclosure concerning the implementation status of audit proceduresThis report is exempt from audit procedures based upon the Financial Instruments and Exchange Act of Japan. Asof 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 materially different from projections in these forward-looking statements.

〇Cash Dividends for Shareholders of Classified Stock
Cash dividends per share for shareholders of classified stock which has different rights relation from thatof common stocks are as follows:(First series of seventh-class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2019

－

15.00

Fiscal Year ending
March 31, 2020
Fiscal Year ending
March 31, 2020
(Forecasts)

－

15.00

－

15.00

30.00

－

15.00

30.00

Consolidated Financial Statements(1) Consolidated Balance Sheets
As of March 31, 2019
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
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
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 losses on guarantees
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(Unit: Millions of yen)
As of September 30, 2019743,563
7,127
100
112
27,003
612,741
3,913,086
5,514
79,93940,093
5,152
13,512
8,403
8,492(13,965)
5,450,878

799,427
11,13499
97
26,984
577,580
3,900,313
5,309
82,693
38,957
5,443
14,423
6,778
8,235(12,491)
5,464,987

4,945,548
87,321
123,077
408
45,960
1,225
146
8
611
254
371
799
4
184
8,492
5,214,416

4,971,258
38,336
143,430802
58,881
1,473
148
4
606
156
514
863
5
197
8,235
5,224,916

102,999
42,10378,804(831)
223,074
9,285
(136)
2,197
11,346
71
1,969
236,4625,450,878

102,999
42,10578,146(298)
222,952
12,735(145)
2,205
14,79569
2,254
240,0715,464,987

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
Consolidated Statements of Income

Ordinary revenue
Interest income(Unit: Millions of yen)
For the Six months
For the Six months
ended September 30, 2018 ended September 30, 2019
48,06345,13623,912

22,232

Interest on loans and bills discounted

20,285

19,651

Interest and dividends on securities

3,352

2,238

10,26010,709Other ordinary income

3,594

3,981

Other income

10,294

8,212

Ordinary expenses

43,73443,378

2,670

1,688

881

724

2,986

3,636

Fees and commissions

Interest expenses
Interest on deposits
Fees and commissions payments
Other ordinary expenses

5,437

5,531

General and administrative expenses

24,23924,035

Other expenses

8,400

8,486

4,329

1,757

9

363

9

363

Ordinary income
Extraordinary income
Gain on disposal of non-current assets
Extraordinary loss

51

88

Loss on disposal of non-current assets

32

10

Impairment loss

18

6

Transfer to reserve for financial products transaction liabilities

10

Other extraordinary loss－

70

Income before income taxes

4,287

2,032

Income taxes - current

858

419

Income taxes - deferred

377

(200)

Total income taxes

1,236

218

Profit

3,050

1,813

69

(9)

2,981

1,822

Profit attributable to non-controlling interests
Profit attributable to owners of the parent

Consolidated Statements of Comprehensive Income(Unit: Millions of yen)
For the Six months
For the Six months
ended September 30, 2018 ended September 30, 2019
Profit

3,050

1,813

Other comprehensive income

3,154

3,450

3,005

3,451

2

(8)

146

7

6,205

5,264

6,135

5,272

69

(7)

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

(3) Consolidated Statements of Changes in Net Assets
For the six months ended September 30, 2018
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

57,381

78,153

Total
shareholders’equityTreasurystock(1,476)

237,057

Changes of items during the period

1

Changes in subsidiaries’ equity
Cash dividends

1(2,743)(2,743)

2,981

2,981

Profit attributable to ownersof the parent
Acquisition of treasury stock(22)

Disposal of treasury stock

(4)

(4)

392

369

Net changes in items otherthan shareholders’ equity

－

(21)

237

388

604

102,999

57,36078,390(1,087)

237,661

Total changes during the period
Balance at the end of current period

Accumulated other comprehensive income

Balance at the beginning ofcurrent periodNet
unrealized
gain (loss)onavailablefor-salesecurities

Net
unrealized
gain (loss)
ondeferredhedges

6,981

(115)

RemeasureTotal
Stock
Nonments ofaccumulated subscription controllingdefinedotherrightsinterests
benefitcomprehensive
plansincome

1,355

8,222

122

3,533

Total net
assets248,935

Changes of items during the period

1

Changes in subsidiaries’ equity(2,743)

Cash dividends
Profit attributable to ownersof the parent

2,981

Acquisition of treasury stock(4)

Disposal of treasury stock369

Net changes in items otherthan shareholders’ equity

3,005

2

146

3,154

(62)

(1,552)

1,539

Total changes during the period

3,005

2

146

3,154

(62)

(1,552)

2,143

Balance at the end of current period

9,987

(113)

1,502

11,37659

1,980

251,078For the six months ended September 30, 2019
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

42,103

Total
shareholders’equityTreasurystock

78,804(831)

223,074

Changes of items during the period
Cash dividends(2,480)(2,480)

1,822

1,822

Profit attributable to ownersof the parent
Acquisition of treasury stock

1

Disposal of treasury stock

(0)

(0)

533

535

Net changes in items otherthan shareholders’ equity

－

1

(657)

533

(122)

102,999

42,10578,146(298)

222,952

Total changes during the period
Balance at the end of current period

Accumulated other comprehensive income

Balance at the beginning ofcurrent periodNet
unrealized
gain (loss)onavailablefor-salesecurities

Net
unrealized
gain (loss)
ondeferredhedges

9,285

(136)

RemeasureTotal
Stock
Nonments ofaccumulated subscription controllingdefinedotherrightsinterests
benefitcomprehensive
plansincome2,197

11,34671

1,969

Total net
assets236,462

Changes of items during the period(2,480)Cash dividends
Profit attributable to ownersof the parent

1,822

Acquisition of treasury stock(0)

Disposal of treasury stock535

Net changes in items otherthan shareholders’ equity

3,450

(8)

7

3,449

(2)

284

3,731

Total changes during the period

3,450

(8)

7

3,449

(2)

284

3,608

Balance at the end of current period

12,735

(145)

2,205

14,79569

2,254

240,071Selected Financial Information
for the First Half of FY2019(Six months ended September 30, 2019)

【Contents】
Ⅰ

Second Quarter FY2019 Results (Summary of Financial Results)

1

Financial Results(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・ 1(2) Senshu Ikeda Tokai Tokyo Securities

Non-consolidated

・・・・・・・・・ 1(3) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・ 2(1) Loans and Bills Discounted

Non-consolidated

・・・・・・・・・ 4(2) Deposits

Non-consolidated

・・・・・・・・・ 5(3) Assets under Management

Non-consolidated

・・・・・・・・・ 5(4) Securities

Non-consolidated

・・・・・・・・・ 6

3Interest Margins

Non-consolidated

・・・・・・・・・ 7

4Banking Profit

Non-consolidated

・・・・・・・・・ 7

5

ROE

2

Information on Main Accounts

・・・・・・・・・(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・ 8(2) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・ 8

6

Number of Directors and Employees, and Branches

Non-consolidated

・・・・・・・・・ 8

7

Gains and Losses on Investment Securities

Non-consolidated

・・・・・・・・・ 98Capital Ratio
Consolidated
Consolidated
Non-consolidated

・・・・・・・・・ 10

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

・・・・・・・・・ 11

Non-consolidated

・・・・・・・・・ 15(1) Loans and Bills Discounted

Non-consolidated

・・・・・・・・・ 16(2) Risk Monitored Loans
Self-assessment, Credits disclosed under the Financial
Revitalization Law and Risk Monitored Loans

Non-consolidated

・・・・・・・・・ 17

Non-consolidated

・・・・・・・・・ 18

Consolidated
Non-consolidated
Non-consolidated

・・・・・・・・・ 19(1) Senshu Ikeda Holdings(domestic standard)(2) The Senshu Ikeda Bank(domestic standard)

Ⅱ

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

5
6

7

Ⅲ

・・・・・・・・・ 10

・・・・・・・・・ 13
・・・・・・・・・ 13
・・・・・・・・・ 14

FY2019 Financial Forecasts(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank
(Notes) Recorded amounts are rounded down to the nearest million yen.

・・・・・・・・・ 20

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,and reserve for possible loan losses, the total amounts of The Senshu Ikeda Bank and business rehabilitation subsidiaries are stated aswell.

Ⅰ Second Quarter FY2019 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)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

For the six months
ended Sep. 30, 2018(a)

For the six months
ended Sep. 30, 2019(b)

26,674
21,242
7,274(1,842)
24,239
1,487
－
3,266
－
27
29
540
1,481
186
2,665
14
702
4,329
(41)
4,287
1,236
858
377
3,050
69
2,981

26,066
20,544
7,072(1,550)24,035
1,849
(407)
2,036
524
35
(0)
560
－
221
1,201
6
368
1,757
274
2,032
218
419
(200)
1,813
(9)
1,822

(608)
(698)
(202)
292
(204)
362
(407)
(1,230)
524
8
(29)
20
(1,481)35(1,464)(8)(334)(2,572)315(2,255)(1,018)(439)(577)(1,237)(78)(1,159)

1,813
3,450
3,451
(8)
7
5,264

(Millions of yen)
(1,237)
296
446
(10)
(139)
(941)

Consolidated gross profits
Net interest income
Net fees and commissions income
Net other operating income
General and administrative expenses (-)
Net disposal of nonperforming loans (-)
Provision for general reserve for possible loan losses (-)

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
Equity in earnings of affiliates
OthersOrdinary income
Net extraordinary income (losses)
Income before income taxes
Total income taxes (-)
Income taxes-current (-)
Income taxes-deferred (-)
ProfitProfit attributable to non-controlling interests (-)
Profit attributable to owners of the parent(b)-(a)Consolidated Statement of Comprehensive Income
24
27
28
29
30
31

3,050
3,154
3,005
2
146
6,205

ProfitTotal 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(Note) Consolidated gross profit = (Interest income - Interest expenses)+(Fees and commissions - Fees and commissions payments)+(Other operating income - Other operating expenses)(2) Senshu Ikeda Tokai Tokyo Securities 【Non-consolidated】(Millions of yen)

1
2
3
4
5

For the six months
ended Sep. 30, 2018(a)

For the six months
ended Sep. 30, 2019
(b)

1,568
1,302
266
265
179

1,302
1,306
(4)
(4)
(7)

Net operating income
Administrative expenses (-)
Operating income
Income before income taxes
Net income

―

1

―

(b)-(a)

(266)
4
(270)
(269)
(186)

(3) The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the six months
ended Sep. 30, 2018(a)

For the six months
ended Sep. 30, 2019(b)

Gross profit(Core gross profit)
Net interest income
Net fees and commissions income
Net other operating income
Net gains (losses) on debt securities
Domestic gross profit
Net interest income
Net fees and commissions income
Net other operating income
Net gains (losses) on debt securities
International gross profit
Net interest income
Net fees and commissions income
Net other operating 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 reservefor possible loan losses)
Core banking profit
Core banking profit (excluding gains (losses)
on cancellation of investment trusts)
Net gains (losses) on debt securities
Provision for general reserve for①
possible loan losses (-)
Banking profit

23,681
26,97822,4393,862(2,620)(3,296)
22,602
22,1983,814(3,410)(3,410)
1,079
240
48
790
114
21,356
9,886
10,0101,460

23,28026,19021,5403,963(2,223)(2,909)23,85821,346
3,911(1,398)(1,391)
(577)
194
52
(824)
(1,518)21,036
10,291
9,320
1,424

(401)
(788)
(899)
101
397
387
1,256
(852)
97
2,012
2,019
(1,656)(46)
4(1,614)(1,632)
(320)
405
(690)
(36)

2,324

2,244

(80)

5,621

5,154

(467)

5,485

5,154

(331)

(3,296)(2,909)

387

－

(272)

(272)

2,324

2,516

192

Net non-recurring gains (losses)
Credit costs (-)
Written-off loans (-)
Provision for specific reserve forpossible 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)

1,457
1,093
2,460

(1,129)
1,801
1,324

(2,586)708(1,136)

－

490

490

27

35

8

(7)

(16)

(9)

157
1,415
186
2,663
2,664
0
－
(112)

253
－
221
1,211
1,618
0
406
(538)

96
(1,415)35(1,452)(1,046)
0
406
(426)

Ordinary income
Net extraordinary income (losses)

3,782

1,387

(2,395)

(27)

283

310

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

3,754

1,671

(2,083)

134
(184)
319

(244)
(41)
(202)

(378)
143
(521)

47

Net income

3,620

1,915

(1,705)48

Net credit costs (-)

1,093

1,529

436

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
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
45
46

②

①+②

―

2

―

(b)-(a)(Reference) Structure of profits (For the six months ended Sep. 30, 2019)【Gross profit】［1］Gross profit

Interest income¥23.2 billion
Interest on loans and bills discounted, interest anddividends on securities, etc.

Interest expenses¥1.6 billion－¥ 23.2 billion［3］Net interest income

Interest on deposits, interest on bonds, etc.

＝

¥21.5 billion＋

Fees and commissions¥8.6 billion
Fees and commissions income of investment
trusts, bank transfer fee, ATMs.

Fees and commissions payments¥4.6 billion－

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

［4］＝¥3.9 billion＋

Other operating income¥3.3 billion

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

［5］Net other operating income

Other operating expenses¥5.5 billion－＝

Losses related to bonds, etc.

(¥2.2 billion)【Banking profit (before provision for general reserve for possible loan losses), Core banking profit, Banking profit】⇒［17］Expenses［21］Banking profit (before provision forgeneral reserve for possible loan losses)¥2.2 billion[1]－[17]¥21.0 billion

Personnel, non-personnel, taxes⇒［1］Gross profit¥23.2 billion

⇒

[24]

［22］Core banking profit

Net gains (losses) on debt
securities(¥2.9 billion)［1]－[17]－[24]¥5.1 billion［26］Banking profit［25］Provision for general reserve forpossible loan losses（¥0.2 billion）[1]－[17]－[25]¥ 2.5billion【Ordinary income】
Non-recurring income¥2.2 billion＋
Gains on sales of equity securities［26］Banking profit¥2.5 billion＝［41］Ordinary income¥1.3 billion

Non-recurring expenses－¥3.3 billion
Disposal of non-performing loans, losses related
to stocks, severance payment【Net income】［42］Net extraordinary income (losses)＋¥0.2billion
Impairment of non-current assets, etc.

［41］Ordinary income¥1.3 billion－－［45］Income taxes-current(¥0.0 billion)［46］Income taxes-deferred(¥0.2 billion)

―

3

―

［47］Net income¥1.9 billion

2. Information on Main Accounts
The Senshu Ikeda Bank 【Non-consolidated】(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar.
31, 2018
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans(Scale of enterprise)
Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments
Japanese government
Individuals
Total

2,131,506
1,776,527
1,731,354
45,172
3,908,034
42,376

As of Sep.
30, 2018(a)2,100,521
1,786,151
1,738,078
48,0733,886,673
32,758

As of Mar.
31, 2019(b)
2,115,162
1,811,194
1,758,960
52,234
3,926,357
25,334As of Sep.
30, 2019(c)
2,098,597
1,818,777
1,763,623
55,153
3,917,375
22,354(c)-(a)(1,924)32,62625,545
7,080
30,702(10,404)(c)-(b)(16,565)
7,583
4,663
2,919
(8,982)(2,980)445,988
1,456,643
168,086
64,946
1,772,370
3,908,034

408,734
1,474,881
156,32265,027
1,781,707
3,886,673

403,358
1,509,319
142,060
65,007
1,806,612
3,926,357

394,836
1,510,682
132,835
65,004
1,814,017
3,917,375(13,898)
35,801(23,487)(23)
32,31030,702(8,522)
1,363(9,225)(3)
7,405(8,982)Average Balance

3,816,475

3,862,533

3,871,096

3,889,556

27,023

18,460

As of Mar.
31, 2019(b)
2,119,006
1,811,194
1,758,960
52,2343,930,201
25,334As of Sep.
30, 2019(c)2,100,099
1,818,777
1,763,623
55,153
3,918,876
22,354(c)-(a)(4,421)
32,62625,545
7,080
28,204(10,404)(c)-(b)(18,907)
7,583
4,663
2,919
(11,325)(2,980)Including business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2018
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans(Scale of enterprise)
Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments
Japanese government
Individuals
Total

2,137,204
1,776,527
1,731,354
45,172
3,913,732
42,376

As of Sep.
30, 2018(a)2,104,520
1,786,151
1,738,078
48,0733,890,672
32,758445,988
1,462,254
168,086
64,946
1,772,457
3,913,732

408,734
1,478,880
156,32265,027
1,781,707
3,890,672

403,358
1,513,163
142,060
65,007
1,806,612
3,930,201394,836
1,512,184
132,835
65,004
1,814,017
3,918,876(13,898)
33,304(23,487)(23)
32,31028,204(8,522)(979)(9,225)(3)
7,405(11,325)

Average Balance

3,827,172

3,867,209

3,875,406

3,892,169

24,96016,763As of Sep.
30, 2018(a)3,256,589
83.78

As of Mar.
31, 2019(b)
3,315,931
84.45

As of Sep.
30, 2019(c)3,324,700
84.87

As of Sep.
30, 2018(a)
3,260,588
83.80

As of Mar.
31, 2019(b)
3,319,775
84.46

As of Sep.
30, 2019(c)
3,326,20184.87②

Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar.
31, 2018

Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

3,229,013
82.62(c)-(a)68,111
1.09(c)-(b)8,769
0.42

Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2018
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

3,234,711
82.65

―

4

―

(c)-(a)65,6131.07(c)-(b)6,426
0.41

(2) Deposits(Millions of yen)
As of Mar.
31, 2018
Individual

3,825,365

Online branch

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

3,820,957

3,842,757

3,831,315

10,358(11,442)(c)-(a)(c)-(b)55,06947,89040,28936,362(11,528)(3,927)

1,128,618

1,123,504

1,147,658

1,161,538

38,034

13,880General corporation

1,008,221

1,014,654

1,030,228

1,004,721(9,933)(25,507)

Financial institutions

5,868

6,086

5,982

19,11913,033

13,137

Corporation

Governmental funds

114,528

102,763

111,447

137,698

34,93526,251

4,953,983

4,944,462

4,990,415

4,992,854

48,392

2,439

Foreign currency deposits

17,93615,111

14,567

15,692581

1,125

Negotiable certificates of deposit

900

－

－

26,50026,50026,500Total

4,954,883

4,944,462

4,990,415

5,019,354

74,89228,939Average Balance deposits
Average Balance deposits andnegotiable certificates of deposit

4,881,023

4,919,855

4,924,518

4,994,432

74,577

69,914

4,901,725

4,939,632

4,943,515

5,013,598

73,96670,083

Subtotal(3) Assets under Management①

Investment products sales
For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2018 Mar. 31, 2019(a)(b)(b)-(a)(Millions of yen)
For the six
For the six
months ended months ended
Sep. 30, 2018 Sep. 30, 2019(c)(d)(d)-(c)The Senshu Ikeda Bank

172,159

165,069(7,090)82,72075,756(6,964)

Investment trusts

99,652

81,567(18,085)

43,62437,739(5,885)

Public bonds

599

892

293

331

400

69

Life insurance

71,906

82,60910,70338,76537,616(1,149)Senshu Ikeda Tokai Tokyo Securities

68,01546,805(21,210)

23,914

20,315(3,599)Total

240,175

211,874(28,301)

106,635

96,072(10,563)②

Balance of assets under management (individual)(Millions of yen)
As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

3,825,365

3,820,957

3,842,757

3,831,315

10,358Investment trusts

174,148

177,089

177,445

181,398

4,309

3,953

Life insurance

512,755

528,632

539,046

532,746

4,114(6,300)

Deposits(c)-(a)(c)-(b)(11,442)

Public bonds

10,931

10,630

10,293

9,674

(956)

(619)

Senshu Ikeda Tokai Tokyo Securities

104,940

110,014102,777

101,432(8,582)(1,345)

Total

4,628,140

4,647,324

4,672,319

4,656,567

9,243(15,752)

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

The Senshu Ikeda Bank

195,442

197,936

197,691

200,641

Investment trusts

181,228

184,212

184,405

Public bonds

14,214

13,723

13,286

Senshu Ikeda Tokai Tokyo Securities

119,958

127,755

Total

315,401

325,692(Reference) Balance of assets under management(Millions of yen)

―

5

―

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

2,705

2,950

188,198

3,986

3,793

12,443(1,280)(843)

119,713

117,087(10,668)(2,626)

317,405

317,729(7,963)324

(4) Securities①

Breakdown of security balance(Millions of yen)
As of Mar.
31, 2018

Securities
Government bonds

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

760,428754,380

629,846

72,135

71,13264,115(c)-(a)(c)-(b)595,256(159,124)(34,590)

29,029(42,103)(35,086)

Local government bonds

39,462

51,693

60,11894,00742,31433,889Corporate bonds

245,227

266,627

256,712287,986

21,35931,274

Authority bonds

180,272

193,700

181,769

200,948

7,248

19,179Bank debenture bonds
General corporate bonds

－

－

－

－

－

－

64,95572,92774,94387,038

14,111

12,095

Stocks73,56562,75648,35643,930(18,826)(4,426)

Other securities

330,037

302,170

200,544

140,302(161,868)(60,242)

Foreign securities

140,838

142,338

91,847

38,847(103,491)(53,000)

Euroyen bonds

11,000

9,000

1,000

－

(9,000)(1,000)Dollar-dominated bonds

85,89989,43449,566－(89,434)(49,566)

Euro-dominated bonds

43,93343,897

41,27538,841(5,056)(2,434)REIT

32,31334,711

37,77534,76352(3,012)

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

149,125

116,027

61,901

56,694(59,333)(5,207)

－

－

－

－

－

－

7,758

9,092

9,019

9,997

905

978

830,610776,305

753,944644,865(131,440)(109,079)

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

Average Balance②

As of Sep.
30, 2018(a)

Net unrealized gains (losses) on securities(Millions of yen)(c)-(a)(c)-(b)

68

34

5

－

(34)

(5)

10,643

13,041

11,52916,802

3,761

5,273

Stocks

22,396

21,781

10,955

7,917(13,864)(3,038)

Bonds

325

108

1,073

1,555

1,447

482

145

158

156

71

(87)

(85)

Held-to-maturity debt securities
Available-for-sale securities

Government bonds
Local government bonds

55

24

50

45

21

(5)

Corporate bonds

124

(74)

867

1,439

1,513

572

(12,079)(8,849)

(500)

7,329

16,178

7,829(3,424)(3,674)

(233)

2,446

6,120

2,679

Other securities
Foreign securities

－

－

－

－

－

－

Dollar-dominated bonds(2,630)(2,840)(1,265)

－

2,840

1,265

Euro-dominated bonds

(793)

(833)

1,032

2,446

3,279

1,414

869

1,919

3,308

5,055

3,136

1,747

(9,526)(7,096)(3,608)

(238)

6,858

3,370

－

－

－

－

－

－

1

1

33

66

65

33

Euroyen bonds

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

―

6

―

3. Interest Margins
The Senshu Ikeda Bank 【Non-consolidated】① All business(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2018 Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(a)
(b)
(c)
Average yield on interest
earning assets
Average yield on loans
and bills discounted
Average yield on securities
Average yield on interest
bearing liabilities
Average yield on
deposits and negotiable(including expenses)
Average yield on
deposits and negotiable
Expense ratio(c)-(b)

(A)

1.12

1.07

1.07

1.01

(0.06)(0.06)

(B)

1.08

1.05

1.05

1.01

(0.04)(0.04)

1.33

1.16

1.18

0.99

(0.17)(0.19)

(C)

0.98

0.90

0.91

0.86

(0.04)(0.05)

(D)

0.99

0.89

0.90

0.86

(0.03)(0.04)

0.05

0.03

0.03

0.02

(0.01)(0.01)

0.94

0.86

0.86

0.83

(0.03)(0.03)

0.23

0.21

0.22

0.18

(0.03)(0.04)

0.14

0.17

0.16

0.15

(0.02)(0.01)

0.09

0.16

0.15

0.15

(0.01)

0.00

Average yield on external liabilities
Average interest rate spread (A)-(C)Difference between average yieldon loans and deposits (B) - (D)②(c)-(a)Domestic business(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2018 Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(a)
(b)
(c)

Average yield on interest
earning assets
Average yield on loans
and bills discounted
Average yield on securities
Average yield on interest
bearing liabilities
Average yield on
deposits and negotiable(including expenses)
Average yield on
deposits and negotiable
Expense ratio(c)-(a)(c)-(b)

(A)

1.08

1.02

1.02

0.98

(0.04)(0.04)

(B)

1.07

1.03

1.03

1.00

(0.03)(0.03)

1.23

1.03

1.00

0.90

(0.13)(0.10)

(C)

0.92

0.83

0.83

0.81

(0.02)(0.02)

(D)

0.95

0.85

0.86

0.82

(0.03)(0.04)

0.05

0.03

0.03

0.02

(0.01)(0.01)

0.90

0.82

0.82

0.80

(0.02)(0.02)

0.03(0.01)(0.01)(0.00)

0.01

0.01

0.16

0.19

0.19

0.17

(0.02)(0.02)

0.12

0.18

0.17

0.18

0.00

0.01

Average yield on external liabilities
Average interest rate spread (A)-(C)Difference between average yieldon loans and deposits (B) - (D)

4. Banking Profit
The Senshu Ikeda Bank 【Non-consolidated】
For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2018 Mar. 31, 2019(a)(b)(1) Banking profit (before provision forgeneral reserve for possible loan losses)
Per head(thousands of yen )(2) Core banking profit
Per head(thousands of yen )(3) Core banking profit (excluding gains(losses) on cancellation of investment
trusts)Per head(thousands of yen )(4) Banking profit
Per head(thousands of yen )(b)-(a)(Millions of yen)
For the six
For the six
months ended months ended
Sep. 30, 2018 Sep. 30, 2019(c)(d)(d)-(c)(8,399)

1,540

9,939

2,324

2,244

(80)

(3,213)
5,321
2,035

593
10,874
4,190

3,806
5,553
2,155

880
5,621
2,129

895
5,154
2,057

15
(467)
(72)

4,126

10,740

6,614

5,485

5,154

(331)

1,578
(8,399)

4,138
1,540

2,560
9,939

2,078
2,324

2,057
2,516

(21)
192

(3,213)

593

3,806

880

1,004

124

―

7

―

5. ROE(1) Senshu Ikeda Holdings 【Consolidated】(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2018 Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(a)
(b)
(c)
Shareholders’ equity ROE(Income before income taxes basis)
Shareholders’ equity ROE(Profit attributable to owners of the parent basis)(c)-(a)(c)-(b)

6.75

3.60

3.25

1.81

(1.79)(1.44)

3.56

2.50

2.66

1.63

(0.87)(1.03)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2018 Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(a)
(b)
(c)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent basis)(c)-(a)(c)-(b)

6.49

3.45

3.12

1.71

(1.74)(1.41)

3.42

2.40

2.55

1.53

(0.87)(1.02)(2) The Senshu Ikeda Bank 【Non-consolidated】(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2018 Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(a)
(b)
(c)

(c)-(a)(c)-(b)Banking profit (before provision forgeneral reserve for possible loan losses) basis(3.71)

2.02

0.69

2.07

0.05

1.38

Banking profit basis
Core banking profit basis(3.71)
2.35

2.02
4.90

0.69
4.93

2.33
4.77

0.31
(0.13)

1.64(0.16)

Core banking profit (excluding gains (losses)
on cancellation of investment trusts) basis

1.82

4.78

4.87

4.77

(0.01)(0.10)Net income basis

3.49

3.15

2.59

1.77

(1.38)(0.82)

As of Sep.
30, 2018
(a)
31
2,566

As of Mar.
31, 2019
(b)
31
2,480

As of Sep.
30, 2019
(c)
31
2,439

6. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank 【Non-consolidated】① Employees and Officers(Number of people)
As of Mar.
31, 2018
Directors and auditors
Employees

35
2,517

(c)-(a)

Total
2,552
2,597
2,511
2,470
Note: “Directors and auditors” includes executive officers.
“Employees” excludes employees temporarily seconded to other companies and temporary staff.
②(c)-(b)

－
(127)

－
(41)

(127)

(41)

Branches(Number of branches)
As of Mar.
31, 2018

Branches
Sub-branches

136
5

As of Sep.
30, 2018
(a)
136
6

Total

141

142

As of Mar.
31, 2019(b)136
6

As of Sep.
30, 2019
(c)
136
4

142

140

(c)-(a)(Reference) ATMs
229
224
213
224
Note: Teller services of Kofudai sub-branch were integrated into Tokiwadai branch on November 11, 2019.

―

8

―

(c)-(b)
－
(2)

－
(2)

(2)

(2)

－

11

7. Gains and Losses on Investment Securities
The Senshu Ikeda Bank 【Non-consolidated】

Gains (losses) on debt securities
Gain on sales
Gain on redemption
Loss on sales (-)
Loss on redemption (-)
Loss on write-down (-)
Loss by investment partnership (-)

Gains (losses) on equity securities
Gain on sales
Loss on sales (-)
Loss on write-down (-)

For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2018 Mar. 31, 2019(a)(b)
(13,721)(9,333)
3,511
2,384

(Millions of yen)
For the six
For the six
months ended months ended
Sep. 30, 2018 Sep. 30, 2019(b)-(a)(c)(d)(d)-(c)
4,388(3,296)(2,909)387(1,127)
2,140
2,621
481

－
17,169－11,717－(5,452)

－
5,437

－
5,481

－
44

－
－
63

－
－

－
－
(63)

－
－

－
50

－
50

－

－

－

－

For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2018 Mar. 31, 2019(a)(b)
18,403
8,942
18,449
9,348
36
0
9
405

―

9

―

(b)-(a)(9,461)(9,101)(36)
396(Millions of yen)
For the six
For the six
months ended months ended
Sep. 30, 2018 Sep. 30, 2019(c)(d)(d)-(c)2,663
1,211(1,452)
2,664
1,618(1,046)
0
0
0
406
406
－

8. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)

Total capital ratio (%)
Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
capital raising instruments
Deduction (B)Risk weighted assets (C)Required capital (C ×4%)

As of Sep.
As of Mar.
30, 2019
31, 2019 (Preliminary
figures)
(b)
(c)
9.49
9.46
216,621217,356
233,122234,754

As of Mar.
31, 2018

As of Sep.
30, 2018

11.43
250,612263,121(a)
10.76
242,112
254,774

219,278

219,913220,590

5,010

6,876

15,00015,00020,96010,00012,5092,192,207
87,68812,662
2,248,945
89,957

As of Mar.
31, 2018

As of Sep.
30, 2018

11.25
246,363258,712(a)
10.55
237,285
249,891

As of Sep.
As of Mar.
30, 2019
31, 2019 (Preliminary
figures)
(b)
(c)
9.29
9.24
211,765
212,061
228,193229,391

231,562

231,732

217,362

5,010

6,876

8,565

－

－

20,96012,3482,188,720
87,548(c)-(a)(1.30)(24,756)(20,020)(c)-(b)(0.03)
735
1,632

221,520

1,607

930

8,565

9,120

2,244

555

－

－

(15,000)－－－(10,000)－

16,501
2,281,057
91,242

17,397
2,297,450
91,898

4,735
48,505
1,941

896
16,393656(2) The Senshu Ikeda Bank (domestic standard)① Consolidated(Millions of yen)

Total capital ratio (%)
Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
capital raising instruments
Deduction (B)Risk weighted assets (C)Required capital (C ×4%)②(c)-(a)(1.31)(25,224)(20,500)(c)-(b)(0.05)
296
1,198

217,854(13,878)

492

9,120

2,244

555

－

－

－

－

10,000－－(10,000)－

12,6062,248,320
89,932

16,4282,278,127
91,125

17,3302,293,988
91,7594,724
45,668
1,827

902
15,861634

As of Sep.
30, 2018

As of Sep.
As of Mar.
30, 2019
31, 2019 (Preliminary
figures)
(b)
(c)
8.63
8.58
194,927
195,123
208,046
208,962

Non-consolidated(Millions of yen)
As of Mar.
31, 2018(a)Total capital ratio (%)
Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
capital raising instruments
Deduction (B)Risk weighted assets (C)Required capital (C ×4%)(c)-(a)(1.36)(26,311)(23,085)(c)-(b)(0.05)
196
916

203,089(15,250)

462

5,419

5,872

2,165

453

－

－

－

－

－

20,00010,000－－(10,000)－

10,1592,173,444
86,937

10,6132,225,973
89,038

13,1182,256,363
90,254

13,8382,271,670
90,866

3,225
45,6971,828

720
15,307612

10.54
229,105
239,265

9.94
221,434
232,047

217,520

218,339

202,627

1,745

3,707

－

―

10

―

Ⅱ Overview of Loans and Bills Discounted
1. Risk Monitored Loans
The Senshu Ikeda Bank
① Non-consolidated(Millions of yen)
As of Mar.
31, 2018－
6,966
34,298

As of Sep.
30, 2018(a)
638
27,882
48
4,765
33,335

As of Mar.
31, 2019(b)
790
24,934111
4,732
30,569As of Sep.
30, 2019(c)
424
22,873
180
5,536
29,015(c)-(a)(214)(5,009)132
771(4,320)(c)-(b)(366)(2,061)69
804(1,554)

10,74718,048

10,49820,236

10,70620,005

12,353
17,186

1,855(3,050)1,647(2,819)As of Mar.
31, 2018

As of Sep.
30, 2018(a)3,886,673

As of Mar.
31, 2019(b)
3,926,357

As of Sep.
30, 2019(c)
3,917,375

As of Sep.
30, 2018
(a)
0.01
0.71
0.00
0.12
0.85

As of Mar.
31, 2019
(b)
0.02
0.63
0.00
0.12
0.77

As of Sep.
30, 2019
(c)
0.01
0.58
0.00
0.14
0.74

－
7,209
39,869As of Sep.
30, 2018(a)
638
31,64548
5,001
37,334As of Mar.
31, 2019(b)
790
28,635111
4,875
34,413As of Sep.
30, 2019(c)
424
24,375180
5,536
30,517(c)-(a)(214)(7,270)132
535(6,817)(c)-(b)(366)(4,260)69
661(3,896)

10,747
18,101

10,49820,272

10,706
20,041

12,353
17,526

1,855(2,746)

1,647(2,515)

As of Mar.
31, 2018

As of Sep.
30, 2018(a)3,890,672

As of Mar.
31, 2019(b)
3,930,201

As of Sep.
30, 2019(c)
3,918,876

As of Sep.
30, 2018
(a)
0.01
0.81
0.00
0.12
0.95

As of Mar.
31, 2019
(b)
0.02
0.72
0.00
0.12
0.87

As of Sep.
30, 2019
(c)
0.01
0.62
0.00
0.14
0.77

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total(Note) Amount of partial direct write-off
Loans to bankrupt borrowers
Delinquent loans

687
26,644(Millions of yen)

Loans and bills discounted

3,908,034(c)-(a)30,702(c)-(b)(8,982)(%)

As of Mar.
31, 2018
Loans to bankrupt borrowers
Delinquent loans

0.01
0.68
－
0.17
0.87

Loans past due three months or more

Restructured loans
Total(c)-(a)0.00(0.13)
0.00
0.02(0.11)(c)-(b)(0.01)(0.05)
0.00
0.02(0.03)(Reference)
Including business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2018
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total(Note) Amount of partial direct write-off
Loans to bankrupt borrowers
Delinquent loans

687
31,972(Millions of yen)

Loans and bills discounted

3,913,732(c)-(a)28,204(c)-(b)(11,325)(%)

As of Mar.
31, 2018
Loans to bankrupt borrowers
Delinquent loans

0.01
0.81

Loans past due three months or more

－
0.18
1.01

Restructured loans
Total

―

11

―

(c)-(a)0.00(0.19)
0.00
0.02(0.18)(c)-(b)(0.01)(0.10)
0.00
0.02(0.10)

②

Consolidated(Millions of yen)
As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)(c)-(a)(c)-(b)Loans to bankrupt borrowers

1,380

1,418

1,387

920

(498)

(467)

Delinquent loans

32,71532,45429,295

25,107(7,347)(4,188)

－

48

111

180

132

69

Loans past due three months or more
Restructured loans

7,209

5,001

4,875

5,536

535

661

Total
(Note) Amount of partial direct write-off
Loans to bankrupt borrowers
Delinquent loans

41,30638,92335,67031,745(7,178)(3,925)

11,591
19,53911,43921,402

11,55820,68913,004
18,146

1,565(3,256)

1,446(2,543)As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

3,897,405

3,874,265

3,913,086

3,900,313

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)(Millions of yen)

Loans and bills discounted(c)-(a)26,048(c)-(b)(12,773)(%)(c)-(a)(c)-(b)Loans to bankrupt borrowers

0.03

0.03

0.03

0.02

(0.01)(0.01)

Delinquent loans

0.83

0.83

0.74

0.64

(0.19)(0.10)

－

0.00

0.00

0.00

0.00

0.00

Restructured loans

0.18

0.12

0.12

0.14

0.02

0.02

Total

1.05

1.00

0.91

0.81

(0.19)(0.10)

Loans past due three months or more

(Notes)

1. Risk monitored loans are calculated in accordance with Ordinance for Enforcement of the Banking Act, and it should
be noted that the disclosed amount of risk-monitored loans does not represent irrecoverable amounts as such loans aredisclosed 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 in order 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 or more 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 areencountering financial difficulties, with the intention 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.

―

12

―

2. Reserve for Possible Loan Losses
The Senshu Ikeda Bank①

Non-consolidated(Millions of yen)
As of Mar.
31, 2018

Reserve for possible loan losses

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)(c)-(a)(c)-(b)

9,308

7,804

8,587

8,033

229

(554)

General reserve for possible loan losses

6,420

3,624

3,956

3,684

60

(272)

Specific reserve for possible loan losses

2,888

4,179

4,631

4,349

170

(282)

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

11,449

9,655

10,836

9,302

General reserve for possible loan losses

6,463

3,663

3,988

3,684

21

(304)

Specific reserve for possible loan losses

4,985

5,991

6,848

5,618

(373)

(1,230)

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)(Reference)
Including business rehabilitation subsidiaries(Millions of yen)

Reserve for possible loan losses②(c)-(a)(c)-(b)(353)(1,534)

Consolidated(Millions of yen)

Reserve for possible loan losses(c)-(a)(c)-(b)14,87313,082

13,965

12,491(591)

General reserve for possible loan losses(1,474)

8,933

5,930

6,065

5,657

(273)

(408)

Specific reserve for possible loan losses

5,940

7,151

7,900

6,833

(318)

(1,067)

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019
(c)

27.13

23.41

28.09

27.68

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019
(c)

28.71

25.86

31.49

30.48

As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

Reserve ratios
36.00
33.61
39.15
(Note) Reserve ratios = Reserve for possible loan losses / Risk monitored loans

39.34

3. Reserve Ratios for Risk Monitored Loans
The Senshu Ikeda Bank①

Non-Consolidated(%)

Reserve ratios(c)-(a)4.27(c)-(b)(0.41)(Reference)
Including business rehabilitation subsidiaries(%)

Reserve ratios②(c)-(a)4.62(c)-(b)(1.01)

Consolidated
(%)

―

13

―

(c)-(a)5.73(c)-(b)0.19

4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen, %)As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)(c)-(a)(c)-(b)Bankruptcy and quasi-bankrupt credit

2,755

4,296

4,509

3,204

(1,092)(1,305)

Doubtful credit

24,66324,31721,314

20,156(4,161)(1,158)Substandard credit

6,966

4,813

4,843

5,717

904

874

Subtotal (A)34,38433,42730,66829,078(4,349)(1,590)Normal credit

3,891,198

3,872,810

3,923,411

3,920,167

47,357(3,244)

Total (B)

3,925,583

3,906,238

3,954,079

3,949,245

43,007(4,834)

0.87

0.85

0.77

0.73

(0.12)(0.04)

29,01330,88830,816

29,695(1,193)(1,121)

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2018(c)-(a)(c)-(b)Bankruptcy and quasi-bankrupt credit

2,926

4,296

5,156

3,220

(1,076)(1,936)

Doubtful credit

29,81928,08024,36821,642(6,438)(2,726)

Substandard credit

7,209

5,050

4,987

5,717

667

730

Subtotal (A)39,95637,426

34,51230,580(6,846)(3,932)

Normal credit

3,891,325

3,872,810

3,923,411

3,920,167

47,357(3,244)

Total (B)

3,931,281

3,910,237

3,957,923

3,950,747

40,510(7,176)

1.01

0.95

0.87

0.77

(0.18)(0.10)

29,06530,92530,85230,035

(890)

(817)

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 a note 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 ormore” and “restructured loans” among the credits requiring special caution. (Borrowers requiring special caution:
Borrowers who have concerns in lending conditions, exercising their obligations and financial 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.

―

14

―

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, 2018
Coverage amount (C)As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)(c)-(a)(c)-(b)29,35329,162

27,97626,080(3,082)(1,896)

Collateral and guarantees

24,034

24,17922,281

20,671(3,508)(1,610)Reserve for possible loan losses

5,319

4,983

5,694

5,408

425

(286)

85.36

87.24

91.22

89.69

2.45

(1.53)

Coverage ratio (C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2019)(Millions of yen, %)Coverage amount

Bankruptcy and quasi-bankrupt credit

3,204

3,204

2,458

Reserve forpossible loan
losses745

Doubtful credit

20,156

19,074

15,675

3,399

94.63

Substandard credit

5,717

3,801

2,537

1,263

66.48

29,07826,08020,671

5,408

89.69

Credit amount

Total

Collateral andguarantees

Coverage ratio

100.00(Reference)
Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

33,74232,33531,41727,459(4,876)(3,958)Collateral and guarantees

26,28425,50023,473

20,782(4,718)(2,691)

Reserve for possible loan losses

7,458

6,834

7,943

6,677

(157)

(1,266)

84.44

86.39

91.03

89.79

3.40

(1.24)

Coverage amount (C)Coverage ratio (C)/(A)(c)-(a)(c)-(b)Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2019)(Millions of yen, %)Coverage amount

Bankruptcy and quasi-bankrupt credit

3,220

3,220

2,469

Reserve forpossible loan
losses
750

Doubtful credit

21,642

20,43815,774

4,663

94.43

Substandard credit

5,717

3,801

2,537

1,263

66.48

30,58027,45920,782

6,677

89.79

Credit amount

Total

Collateral andguarantees

―

15

―

Coverage ratio

100.006. Classification of Loans by Industry
The Senshu Ikeda Bank 【Non-consolidated】(1) Loan and Bills Discounted(Millions of yen)
As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

3,908,034

3,886,673

3,926,357

3,917,375

30,702(8,982)

332,527

319,784

310,209

300,050(19,734)(10,159)

Agriculture and forestry

625

729

861

645

(84)

(216)

Fishery
Mining, quarrying and gravel
extraction
Construction
Electricity, gas, heat andwater supply
Information and communication

40

56

59

432

376

373

216

369

268

395

26

127

98,15399,237105,179

104,211

4,974

(968)

17,09817,97819,35019,413

1,435

63

13,24813,375

13,13016,602

3,227

3,472

Transportation and postal activities

107,564

107,403108,964

104,440(2,963)(4,524)Wholesale and retail trade291,867

286,926

288,142

280,551(6,375)(7,591)

Finance and insurance activities

172,923

159,429

159,920

154,549(4,880)(5,371)

Real estate and rental activities
Academic research, professional
and technical services
Accommodation and foodservice activities
Life related services andentertainment
Education and study support
activities
Medical and welfare

628,298

630,539647,201

657,740

27,201

10,53915,635

14,322

14,855

16,197

1,875

1,342

30,86531,21632,93933,4282,212

489

15,72814,99918,257

17,031

2,032(1,226)

9,695

8,787

8,972

8,365

(422)

(607)

76,66384,86091,35798,092

13,232

6,735

Other services

87,60389,02588,30485,945(3,080)(2,359)Local governments

168,086

156,322

142,060

132,835(23,487)(9,225)

1,841,189

1,851,304

1,876,315

1,886,439

35,135

10,124

Domestic(excluding JOM account)
Manufacturing

Others―16―(c)-(a)(c)-(b)(2) Risk Monitored Loans(Millions of yen)
As of Mar.
31, 2018

As of Sep.
30, 2018(a)

As of Mar.
31, 2019(b)

As of Sep.
30, 2019(c)

34,29833,33530,56929,015(4,320)(1,554)

5,270

4,507

3,808

3,140

(1,367)(668)

Agriculture and forestry

435

432

432

427

(5)

(5)

Fishery
Mining, quarrying and gravel
extraction
Construction
Electricity, gas, heat andwater supply
Information and communication

－

－

－

－

－

－

－

－

－

－

－

－

4,065

4,229

3,657

3,531

(698)

(126)

166

170

164

163

(7)

(1)

130

93

277

152

59

(125)

Transportation and postal activities

410

329

411

420

91

9

Domestic(excluding JOM account)
Manufacturing

Wholesale and retail trade(c)-(a)(c)-(b)

5,100

5,180

4,775

4,886

(294)

111

Finance and insurance activities

613

83

70

49

(34)

(21)

Real estate and rental activities
Academic research, professional
and technical services
Accommodation and foodservice activities
Life related services andentertainment
Education and study support
activities
Medical and welfare

8,451

9,372

8,745

7,770

(1,602)

(975)

570

560

289

307

(253)

18

569

602

755

642

40

(113)

178

182

177

474

292

297

20

－

－

－

－

－

463

456

377

582

126

205

Other services

1,749

1,596

1,494

1,336

(260)

(158)

Local governments
Others

－

－

－

－

－

－

6,102

5,536

5,132

5,130

(406)

(2)

―

17

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7. Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank 【Non-consolidated】(As of Sep. 30, 2019)(Billions of yen, %)Borrower classification underself-assessment guidelines(Credit exposures)
Credit-related loans including loans andbills discounted
Classification
Outstanding Categoryloans
ⅠCategory
CategoryⅡ

Bankrupt
0.3

1.5

－

(0.0)

(0.0)

－

－

(0.4)

(0.2)

2.4

15.6
(3.3)

Outstandingbalance ofloans

Loans tobankrupt
borrowers

0.4

Delinquent
loans

22.8

100.003.3

94.63

Substandard
2.5
0.6

Classification

20.1

5.1

1.2

66.48

5.7

Loans past due
three months or
more
Restructured
loans

0.1
5.5

Subtotal
（Ａ）
20.6

5.4

89.69

Total（Ｃ）

29.0

29.0
46.9

60.4
Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
3,920.1 to total credit

Normal

107.4

Normal
3,812.7

Ratio of risk managed loans tototal loans（Ｃ）/（Ｄ）= 0.74%（Ａ）/（Ｂ）= 0.73%

3,812.7

Total
3,877.1
3,949.2(Notes)0.7

Risk monitored loans

Doubtful

4.1

5.7

Other
borrowers
requiring
cautionBankruptcy
andquasi-bankrupt

3.2

1.0
14.8

20.1

Requiring
specialcaution

－

1.2

2.7

Potentiallybankrupt

Category
Ⅳ

0.0

0.4

Effectively
bankrupt

Category
Ⅲ

Claims disclosed under the Financial
Revitalization Law (Credit exposure)
Substandard credit represents loans andbills discounted
Other represents credit-related loans
including loans and bills discounted
Classification
Secured or
Coverage
Reserve
Outstanding
guaranteed
ratio
loans

1.0

－

Total（Ｂ）

(3.8)

(0.2)

3,949.2

Loans and bills
discounted（Ｄ）

71.0

3,917.3

1. Japanese yen amounts are rounded down to the nearest 100 million yen.
2. 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 andguarantees in the Balance Sheet; as the securities loaned (limited for use agreements or lease contracts), which arerequired to be stated in a note to the Balance Sheet.
3. 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.
4.“( )” in “Borrower classification under self-assessment guidelines (Credit exposures)” represent reserved amounts forclassified loans.

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18

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Ⅲ FY2019 Financial Forecasts(1) Senshu Ikeda Holdings① Financial forecasts【Consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31,
2019(Result)

For the fiscal year
ending Mar. 31,
2020(Forecast)Ordinary revenue

97,30385,000Ordinary income
Profit attributable to owners of theparent

9,698

5,000

6,139

4,000

【Non-consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31,
2019(Result)

For the fiscal year
ending Mar. 31,
2020(Forecast)

Operating revenue

6,334

4,700

Operating income

5,223

4,000

Ordinary income

5,262

4,000

Net income

5,365

4,000

②

Cash dividends（yen）
For the fiscal year
ended Mar. 31,
2019(Result)

Common stock
First series of seventh-classpreferred stock③

For the six months
For the fiscal year
For the fiscal year
ended Sep. 30, 2019 ending Mar. 31, 2020 ending Mar. 31, 2020
(Projection)(Forecast)(Forecast)

15.00

3.75

3.75

7.50

30.00

15.00

15.00

30.00

Capital ratio(%)

Capital ratio (Consolidated)④

As of Mar. 31, 2019

As of Sep. 30, 2019

As of Mar. 31, 2020

(Result)(Preliminary figures)(Forecast)

9.49

9.46

Half of 9

ROE(%)
For the fiscal year
ended Mar. 31,
2019(Result)

For the six months
For the fiscal year
ended Sep. 30, 2019 ending Mar. 31, 2020
(Result)(Forecast)

Shareholders’ equity ROE
3.25
1.81
Around 2(Income before income taxes basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

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19

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(2) The Senshu Ikeda Bank①

Financial forecasts【Non-consolidated】(Millions of yen)
For the fiscal
year ended
Mar. 31, 2019
(Result)

For the fiscal
year ending
Mar. 31, 2020
(Forecast)Ordinary revenue

81,31570,000Ordinary income

7,957

3,000

Net income

5,713

3,500

Banking profit
Banking profit (before reversal of(provision for) general reserve forpossible loan losses)
Core banking profit
Core banking profit (excluding gains(losses) on cancellation of investment
trust)Net credit costs ( - )

1,540

4,000

1,540

6,000

10,8749,000

10,740

9,000

2,334

3,500

②

Capital ratio(%)
As of Mar. 31, 2019

As of Sep. 30, 2019

As of Mar. 31, 2020

(Result)(Preliminary figures)(Forecast)

Capital ratio (Consolidated)

9.29

9.24

First half of 9

Capital ratio (Non-consolidated)

8.63

8.58

Half of 8―20―