Financial Results for the Third Quarter of the Fiscal Year ending March 31, 2018
(Consolidated Data)
February 1, 2018
Company Name: Senshu Ikeda Holdings, Inc. Stock exchange listing: Tokyo Stock Exchange
Stock Code:

8714

URL

http://www.senshuikeda­hd.co.jp/

President and Representative Director:

Hirohisa Fujita

For inquiries:

Tsutomu Irie, General Manager of the Corporate Planning Division
Telephone: +81­6­4802­0013

Scheduled date for filing quarterly securities report:

February 9, 2018

Scheduled date to commence dividend payments:

None

Segregated trading accounts:

None

Supplementary material on quarterly financial results:

Yes

Quarterly financial results presentation meeting:

None(Japanese yen amounts of less than 1 million and first decimal place have been rounded down)
1. Financial Results for the Third Quarter of the Fiscal Year ending March 31, 2018 (April 1, 2017 － December 31,
2017)(%: Changes from previous fiscal year)(1) Consolidated Operating Results
Ordinary revenue
Million yen

Profit attributable toowners of the parent

Ordinary income%

Million yen%

Million yen%

Nine months ended
December 31, 2017

83,548

9.3

10,560(17.5)

6,983(23.4)

Nine months ended
December 31, 2016

76,433(5.8)

12,806(18.1)

9,126(30.1)(Note) Comprehensive income:Nine months ended December 31, 201715,724 million yen

Nine months ended December 31, 2016

195 million yen

Net income
per share

Diluted earnings
per share

Yen

Yen

Nine months ended
December 31, 2017

22.90

20.62

Nine months ended
December 31, 2016

30.76

26.86

[ －% ][ (97.5%) ](2) Consolidated Financial Position

As of December 31, 2017
As of March 31, 2017

Total assets

Total net assets

Million yen
5,510,972
5,572,906

Million yen
258,536
249,217Equity ratio
%
4.6
4.3

(Reference) capital: As of December 31, 2017 : 254,905 million yen ; As of March 31, 2017 : 244,351 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, 2017

－

7.50

－

Fiscal Year ending
March 31, 2018

－

7.50

－

Fiscal Year ending
March 31, 2018
(Forecasts)
Note:

7.50

15.00

7.50

15.00

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, 2018 (April 1, 2017－March 31, 2018)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue

Full Year
Note:

Million yen
106,000%
2.8

Ordinary income
Million yen
15,000%(27.4)

Profit attributable toowners of the parent
Million yen
11,000Net income per share

%
(9.9)

Yen
35.07

Revisions of the forecasts from recently announced figures: None

Note

(1)

Changes in significant subsidiaries during the third quarter of the fiscal year ending March 31, 2018 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Added － (company name)－

(2)

(3)

Excluded－ (company name)－

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

Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of December 31, 2017

281,008,632 shares

As of March 31, 2017

281,008,632 shares(b) Number of treasury shares
As of December 31, 2017

3,273,991 shares

As of March 31, 2017

4,397,012 shares(c) Average number of shares for the period under review
Nine months ended December 31, 2017

277,080,200 shares

Nine months ended December 31, 2016

275,895,513 shares

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 forward­looking 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 forward­looking statements.
〇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:(Third­class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2017

－

35.00

－

35.00

70.00

Fiscal Year ending
March 31, 2018

－

35.00

－
35.00

70.00

Fiscal Year ending
March 31, 2018
(Forecasts)(First series of seventh­class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2017

－

15.00

－

15.00

30.00

Fiscal Year ending
March 31, 2018

－

15.00

－
15.00

30.00

Fiscal Year ending
March 31, 2018
(Forecasts)

Consolidated Financial Statements(1) Consolidated Balance Sheets(Unit: Millions of yen)
As of March 31, 2017
AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchange assets
Other assets
Tangible fixed assets
Intangible fixed assets
Net defined benefit assets
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under repurchase agreements
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Corporate bonds and notes
Other liabilities
Provision for employees’ bonuses
Net defined benefit liability
Accrued retirement benefits for directors and corporate auditors
Reserve for reimbursement of deposits
Reserve for point services
Reserve for contingent losses
Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Net unrealized gain (loss) on available­for­sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Stock subscription rights
Non­controlling interests
Total net assets
Total liabilities and net assets

As of December 31, 2017

675,966
172
31
317
26,979929,505
3,813,333
6,340
61,55038,508
5,216
14,334
9,526
13,006(21,883)
5,572,906

667,690
3,690
107
176
26,020797,685
3,874,202
5,480
74,65941,631
4,986
12,1707,480
9,708(14,718)
5,510,972

4,799,493－
14,8099,907
249,762
160,997583
20,00051,996
1,798
142
33
486
226
350
1
92
13,006
5,323,688

4,900,672
1,000－－
135,357
135,264272
20,00047,786
938
146
33
519
244
343
2
146
9,708
5,252,435

102,999
57,36575,244(2,097)
233,512
7,793
(139)
3,184
10,838105
4,760
249,217
5,572,906

102,999
57,361
76,740(1,563)
235,537
17,124(158)
2,401
19,367
113
3,517
258,536
5,510,972

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
Consolidated Statements of Income(Unit: Millions of yen)
For the nine months
ended December 31, 2016

For the nine months
ended December 31, 2017

Ordinary revenue
Interest income
Interest on loans and bills discounted
Interest and dividends on securities
Fees and commissions
Other ordinary income

76,433
42,48032,082
10,065
13,886
11,02783,54838,07330,925
6,756
15,331
3,009

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

9,038
63,626
5,436
2,512
4,694
5,519

27,134
72,988
4,009
2,030
5,243
15,303General and administrative expenses
Other expenses
Ordinary income
Extraordinary income
Gain on return of retirement benefit trust
Extraordinary loss

39,0298,945
12,806－－254

38,703
9,728
10,560
1,710
1,710
76

Loss on disposal of non­current assets
Impairment loss
Transfer to reserve for financial products transaction liabilities
Income before income taxes
Income taxes ­ current
Income taxes ­ deferred

160
93
0
12,552
1,536
314

37
37
1
12,194681
4,317

Total income taxes
ProfitProfit attributable to non­controlling interests
Profit attributable to owners of the parent

1,851
10,701
1,574
9,126

4,999
7,194
211
6,983

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

ProfitOther comprehensive income
Net unrealized gain (loss) on available­for­sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income
Comprehensive income attributable to
Owners of the parent
Non­controlling interests

For the nine months
ended December 31, 2016

For the nine months
ended December 31, 2017

10,701(10,506)(10,349)
(24)

7,194
8,529
9,332
(18)

(132)
195

(783)
15,724(1,378)
1,573

15,512212

【Contents】
1

2

3

Summary of Profit and Loss
(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・・

1(2) The Senshu Ikeda Bank

Non­consolidated ・・・・・・・・・・

1(3) Senshu Ikeda Tokai Tokyo Securities

Non­consolidated ・・・・・・・・・・

1(4) Interest Margins

Non­consolidated ・・・・・・・・・・

2(5) ROE

Consolidated

・・・・・・・・・・

2(1) Loans and Bills Discounted

Non­consolidated ・・・・・・・・・・

3(2) DepositsNon­consolidated ・・・・・・・・・・

4(3) Assets under ManagementNon­consolidated ・・・・・・・・・・

4(4) Securities

Non­consolidated ・・・・・・・・・・

5

Consolidated

6

Information on Main Accounts

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

4

Status of Credits disclosed under the Financial Revitalization Law

・・・・・・・・・・

Consolidated
・・・・・・・・・・
Non­consolidated
Non­consolidated ・・・・・・・・・・

6
7(Notes) Recorded amounts are rounded down to the nearest million yen.
The Senshu Ikeda Bank transferred a portion of loans to the business rehabilitation subsidiaries on March 25, 2013.
For this reason, with regard to loans and bills discounted and status of claims under the Financial Revitalization Law, the total amountsof The Senshu Ikeda Bank and two business rehabilitation subsidiaries are stated as well.

1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings 【Consolidated】(Millions of yen)

1
2
3
4
5
6
7

For the nine months
ended Dec. 31,2016(a)76,43363,626
12,806
12,552
9,126
195
2,167

For the nine months
ended Dec. 31,2017(b)
83,54872,988
10,56012,194
6,983
15,724(1,683)For the nine months
ended Dec. 31,2016(a)Gross profit
45,519(Core gross profit)
41,599Net interest income
36,877
Net fees and commissions income
3,696
Net other operation income
4,945(Net gains (losses) on debt securities)
3,920
Expenses(excluding non­recurring expenses)(­)
34,721
Personnel expenses (­)
16,949Non­personnel expenses (­)
15,452
Banking profit (before provision for general reserve for
10,797possible loan losses)

For the nine months
ended Dec. 31,2017(b)
26,69239,37935,378
4,423(13,109)(12,687)
34,945
17,05915,682(8,253)(b)­(a)(18,827)(2,220)(1,499)727(18,054)(16,607)
224
110
230
(19,050)

6,877
3,920
1,303
9,494
128
(131)
1,211
9,623
(223)
9,399
1,198
839
359
8,200
1,171

4,434
(12,687)－(8,253)
16,783(1,825)
15,5518,529
1,664
10,194
3,931
(250)
4,182
6,262
(1,825)(2,443)(16,607)(1,303)(17,747)
16,655(1,694)
14,340(1,094)
1,887
795
2,733
(1,089)3,823(1,938)(2,996)

For the nine months
ended Dec. 31,2016
(a)
1,568
1,383
184
183
119

For the nine months
ended Dec. 31,2017
(b)
2,417
1,768
648
647
440

Ordinary revenue
Ordinary expenses (­)
Ordinary income
Income before income taxes
Profit attributable to owners of the parent
Comprehensive income
Net credit costs (­)(b)­(a)7,115
9,362(2,246)(358)(2,143)
15,529(3,850)(2) The Senshu Ikeda Bank 【Non­consolidated】(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

Core banking profit
Net gains (losses) on debt securities
Reversal of general reserve for possible loan losses(­)
Banking profit
Net non­recurring gains (loss)
Disposal of non­performing loans (­)
Net gains (losses) on equity securities
Ordinary income
Net extraordinary income (loss)
Income before income taxes
Total income taxes (­)
Income taxes­current (­)
Income taxes­deferred (­)
Net income
Net credit costs (­) ①+②①②(3) Senshu Ikeda Tokai Tokyo Securities 【Non­consolidated】(Millions of yen)

1
2
3
4
5

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

－

1

－

(b)­(a)
849
385
464
464
321

(4) Interest Margins
The Senshu Ikeda Bank 【Non­consolidated】① All business(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2016 Dec. 31,2016 Mar.31,2017 Dec. 31,2017
(a)
(b)
(c)
1.11

(c)­(a)(0.05)(c)­(b)(0.07)

1.08(0.06)(0.06)

1.35

1.28

0.02

(0.07)

1.00

1.02

0.98

(0.02)(0.04)

1.04

1.02

1.03

1.00

(0.02)(0.03)

0.09

0.06

0.06

0.05

(0.01)(0.01)

0.95

0.95

0.96

0.94

(0.01)(0.02)

0.53

0.34

0.35

0.25

(0.09)(0.10)

0.25

0.16

0.16

0.13

(0.03)(0.03)

0.20

0.12

0.11

0.08

(0.04)(0.03)

Average yield on interest
earning assets (A)Average yield on loans andbills discounted(B)Average yield on securities
Average yield on interest
bearing liabilities (C)Average yield on deposits andnegotiable (including expenses) (D)Average yield on
deposits and negotiable
Expense ratio

1.28

1.16

1.18

1.24

1.14

1.14

1.48

1.26

1.03

Average yield on external liabilities
Average interest rate spread (A)­(C)
Difference between average yieldon loans and deposits (B) ­ (D)②Domestic business(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2016 Dec. 31,2016 Mar.31,2017 Dec. 31,2017
(a)
(b)
(c)
1.25
1.11
1.13
1.07

Average yield on interest
earning assets (A)Average yield on loans andbills discounted(B)Average yield on securities
Average yield on interest
bearing liabilities (C)Average yield on deposits andnegotiable (including expenses) (D)Average yield on
deposits and negotiable
Expense ratio
Average yield on external liabilities
Average interest rate spread (A)­(C)
Difference between average yieldon loans and deposits (B) ­ (D)(c)­(a)(0.04)(c)­(b)(0.06)

1.25

1.14

1.13

1.07

(0.07)(0.06)

1.40

1.11

1.23

1.19

0.08

(0.04)

1.00

0.97

0.97

0.93

(0.04)(0.04)

1.00

0.98

0.98

0.95

(0.03)(0.03)

0.09

0.06

0.06

0.05

(0.01)(0.01)

0.90

0.91

0.91

0.90

(0.01)(0.01)

0.56
0.25

0.19
0.14

0.17
0.16

0.05
0.14

(0.14)
0.00(0.12)(0.02)

0.25

0.16

0.15

0.12

(0.04)(0.03)(5) ROE
Senshu Ikeda Holdings 【Consolidated】(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2016 Dec. 31,2016 Mar.31,2017 Dec. 31,2017
(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)

10.31

7.29

8.86

6.90

(0.39)(1.96)

7.74

5.30

5.31

3.95

(1.35)(1.36)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2016 Dec. 31,2016 Mar.31,2017 Dec. 31,2017
(a)
(b)
(c)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent
basis)(c)­(a)(c)­(b)

9.21

6.75

8.24

6.48

(0.27)(1.76)

6.92

4.91

4.94

3.71

(1.20)(1.23)－

2－

2. Information on Main Accounts
The Senshu Ikeda Bank 【Non­concolidated】(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar.
31, 2016
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans(scale of enterprise)
Large and mid­tier enterprises
Small and medium­sized enterprises
Local governments
Japanese government
Individuals
Total

2,021,670
1,730,397
1,701,561
28,8353,752,067
62,100

As of Dec.
31, 2016(a)2,044,503
1,730,175
1,696,555
33,6193,774,678
65,635

As of Mar.
31, 2017(b)
2,064,282
1,746,889
1,710,333
36,556
3,811,171
53,864As of Dec.
31, 2017(c)
2,117,059
1,765,584
1,723,589
41,9953,882,643
46,795(c)­(a)72,55635,40927,034
8,376
107,965(18,840)(c)­(b)52,777
18,695
13,256
5,439
71,472(7,069)464,438
1,261,284
219,574
77,321
1,729,448
3,752,067

473,696
1,314,888
184,375
74,636
1,727,081
3,774,678

456,259
1,350,077
186,091
74,5001,744,242
3,811,171

447,707
1,432,301
165,758
75,036
1,761,839
3,882,643(25,989)
117,413(18,617)400
34,758
107,965(8,552)82,224(20,333)536
17,597
71,472Average Balance

3,638,361

3,724,853

3,732,105

3,803,823

78,97071,718

As of Mar.
31, 2017(b)
2,076,488
1,746,889
1,710,333
36,556
3,823,377
53,864As of Dec.
31, 2017(c)
2,125,141
1,765,584
1,723,589
41,9953,890,726
46,795(c)­(a)67,99735,40927,034
8,376
103,407(18,840)(c)­(b)48,653
18,695
13,256
5,439
67,349(7,069)Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2016
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans(scale of enterprise)
Large and mid­tier enterprises
Small and medium­sized enterprises
Local governments
Japanese government
Individuals
Total

2,042,644
1,730,397
1,701,561
28,835
3,773,041
62,100

As of Dec.
31, 2016(a)2,057,144
1,730,175
1,696,555
33,6193,787,319
65,635

464,438
1,281,899
219,574
77,321
1,729,807
3,773,041

473,696
1,327,103
184,375
74,636
1,727,507
3,787,319

456,259
1,361,857
186,091
74,5001,744,668
3,823,377

447,707
1,440,148
165,758
75,036
1,762,074
3,890,726(25,989)
113,045(18,617)400
34,567
103,407(8,552)78,291(20,333)536
17,406
67,349Average Balance

3,661,043

3,742,746

3,748,696

3,815,695

72,94966,999As of Dec.
31, 2016(a)
3,041,970
80.58

As of Mar.
31, 2017(b)
3,094,320
81.19

As of Dec.
31, 2017(c)
3,194,140
82.26

As of Dec.
31, 2016(a)
3,054,611
80.65

As of Mar.
31, 2017(b)
3,106,525
81.25

As of Dec.
31, 2017(c)
3,202,223
82.30②

Loans to small and medium­sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar.
31, 2016

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

2,990,733
79.70(c)­(a)152,1701.68(c)­(b)99,8201.07

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2016
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

3,011,706
79.82

－

3

－

(c)­(a)147,6121.65(c)­(b)95,6981.05

(2) Deposits(Millions of yen)
As of Mar.
31, 2016
Individual

3,726,769

As of Dec.
31, 2016(a)3,809,156

As of Mar.
31, 2017(b)
3,783,872

As of Dec.
31, 2017(c)
3,865,231(c)­(a)56,075(c)­(b)81,359Online branch
Corporation

67,9601,050,926

69,453
1,046,070

67,827
1,064,425

57,9991,085,496(11,454)
39,426(9,828)21,071

General corporation
Financial institutions
Governmental funds

911,572
10,056129,297960,248
3,990
81,832

979,458
15,612
69,354994,986
4,852
85,657

34,738862
3,825

15,528(10,760)
16,303

Total
Foreign currency deposits

4,777,696
18,862

4,855,226
19,018

4,848,297
15,472

4,950,728
16,837

95,502(2,181)

102,431
1,365

Average Balance

4,741,066

4,778,842

4,787,905

4,874,464

95,62286,559(3) Assets under Management①

Investment products sales

The Senshu Ikeda Bank
Investment trusts
Public bonds
Life insurance
Senshu Ikeda Tokai Tokyo Securities
Total②(Millions of yen)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2016 Dec. 31,2016 Mar.31,2017 Dec. 31,2017(a)(b)(b)­(a)168,343
101,046
137,361
128,470
27,42487,445
1,066
79,831

57,985559
42,50285,027766
51,56875,732514
52,224

17,747(45)
9,722

48,102
216,445

30,456
131,50246,211
183,572

50,788179,259

20,33247,757

As of Mar.
31, 2016

As of Dec.
31, 2016(a)

As of Mar.
31, 2017(b)

As of Dec.
31, 2017(c)

3,726,769
183,895
501,062
17,752
72,632
4,502,112

3,809,156
191,080
508,086
13,64592,082
4,614,050

3,783,872
190,619
508,016
12,821
93,416
4,588,746

3,865,231
183,380
521,876
11,136112,287
4,693,912

As of Mar.
31, 2016

As of Dec.
31, 2016(a)

As of Mar.
31, 2017(b)

As of Dec.
31, 2017(c)

216,205
192,067
24,13881,701
297,907217,388
199,141
18,247
103,988
321,377

215,356
198,407
16,949105,805
321,162

205,804
190,979
14,825
127,543
333,348

Balance of assets under management(individual)(Millions of yen)

Deposits
Investment trustsLife insurance
Public bonds
Senshu Ikeda Tokai Tokyo Securities
Total(c)­(a)56,075(7,700)13,790(2,509)20,20579,862(c)­(b)81,359(7,239)13,860(1,685)18,871
105,166(Reference )Balance of assets under management(Millions of yen)

The Senshu Ikeda Bank
Investment trusts
Public bonds
Senshu Ikeda Tokai Tokyo Securities
Total

－

4

－

(c)­(a)(11,584)(8,162)(3,422)
23,555
11,971(c)­(b)(9,552)(7,428)(2,124)
21,73812,186

(4) Securities①

Breakdown of security balance(Millions of yen)
As of Mar.
31, 2016

As of Dec.
31, 2016
(a)

(b)

(c)

1,051,825

983,161

954,214

821,735(c)­(a)(161,426)(c)­(b)(132,479)

Government bonds
Local government bonds

76,25949,33862,09740,91562,05032,26972,13542,51010,038
1,595

10,085
10,241

Corporate bonds

277,505

240,785

237,668

230,636(10,149)(7,032)

205,420
15,42956,656

179,914
12,92547,945

184,463
7,419
45,785

168,231－62,404(11,683)(12,925)
14,459(16,232)(7,419)16,619Securities

Authority bonds
Bank debenture bonds
General corporate bonds

As of Mar.
31, 2017

As of Dec.
31, 2017

Stocks90,783

98,12994,34085,004(13,125)(9,336)

Other securities

557,938

541,234

527,885

391,448(149,786)(136,437)

Foreign securities

249,540

306,789

291,884

150,381(156,408)(141,503)

Euroyen bonds

27,00027,00022,00011,000(16,000)(11,000)

Dollar­dominated bonds

172,052

227,732

220,649

94,093(133,639)(126,556)

Euro­dominated bonds

50,482

52,05049,22945,281(6,769)(3,948)

REIT

34,02732,98831,30433,829841

2,525

Investment trusts
Hedging investment trust
for cross­shareholdings etc.
Investment partnership

267,881

193,423

196,497

198,561

5,138

2,064

161

－

－

－

－

－

6,487

8,033

8,199

8,676

643

477

1,066,378

1,058,450

1,034,835

845,730(212,720)(189,105)

As of Mar.
31, 2016

As of Dec.
31, 2016(a)

As of Mar.
31, 2017(b)

As of Dec.
31, 2017(c)

465
28,730350
17,758271
14,827

86
22,204(c)­(a)
(264)
4,446

(c)­(b)
(185)
7,377

28,336
2,396
109
188
2,098
(2,001)
2,165
－
1,465
700
3,514
(7,770)37,317
915
77
172
665
(20,473)(15,311)－(13,714)(1,597)2,983(8,216)36,060
743
38
140
564
(21,977)(16,226)－(13,174)(3,052)
2,886(8,632)

29,680
248
140
65
41
(7,723)(2,434)－(1,355)(1,079)1,448(6,731)(7,637)
(667)
63
(107)
(624)
12,75012,877－
12,359518(1,535)
1,485(6,380)
(495)
102
(75)
(523)
14,254
13,792－
11,8191,973(1,438)
1,901

(62)

－

－

－

－

－

88

71

(4)

(6)

(77)

(2)

Average Balance②

Net unrealized gains (losses) on securities(Millions of yen)

Held­to­maturity debt securities
Available­for­sale securities
Stocks
Bonds
Government bonds
Local government bonds
Corporate bonds
Other securities
Foreign securities
Euroyen bonds
Dollar­dominated bondsEuro­dominated bonds
REIT
Investment trusts
Hedging investment trust
for cross­shareholdings etc.
Investment partnership

－

5

－

3. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar.
31, 2016

As of Dec.
31, 2016

As of Mar.
31, 2017

As of Dec.
31, 2017

(a)

(b)

(c)

(c)­(a)(c)­(b)

Total capital ratio (%)

10.59

10.39

10.59

10.15

(0.24)(0.44)

Total capital(A)­(B)

288,687

284,220

261,985

259,476(24,744)(2,509)297,309292,336

273,397269,722(22,614)(3,675)208,220

215,357

215,696

220,537

5,180

4,841

13,893

10,164

9,960

9,852

(312)

(108)

15,00015,00015,00015,000－－57,97749,56029,29021,120(28,440)(8,170)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)

8,622

8,116

11,412

10,2462,130(1,166)

Risk weighted assets (C)2,724,851

2,733,407

2,473,114

2,555,743(177,664)

82,629Required capital (C×4%)

108,994

109,336

98,924102,229(7,107)3,305

As of Mar.
31, 2016

As of Dec.
31, 2016(a)

As of Mar.
31, 2017(b)

As of Dec.
31, 2017(c)

Total capital ratio (%)

11.10

10.30

10.48

10.01

(0.29)(0.47)

Total capital(A)­(B)

302,595

281,501

259,054

255,498(26,003)(3,556)

310,379

289,237

270,115265,549(23,688)(4,566)

222,020

228,659

228,852

232,998

4,339

4,146

13,893

10,164

9,960

9,852

(312)

(108)

－

－

－

－

－

－

73,59749,56029,29021,120(28,440)(8,170)

7,784

7,735

11,06010,051

2,316(1,009)Risk weighted assets (C)2,725,680

2,730,884

2,470,055

2,550,120(180,764)

80,065Required capital (C×4%)

109,027

109,235

98,802102,004(7,231)

3,202(2) The Senshu Ikeda Bank (domestic standard)① Consolidated(Millions of yen)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)②(c)­(a)(c)­(b)Non­consolidated(Millions of yen)
As of Mar.
31, 2016

As of Dec.
31, 2016(a)

As of Mar.
31, 2017(b)

As of Dec.
31, 2017(c)(c)­(a)(c)­(b)

Total capital ratio (%)

9.90

9.65

9.77

9.38

(0.27)(0.39)

Total capital(A)­(B)

267,748

262,486

236,411233,200(29,286)(3,211)

275,348

269,461

245,771

241,704(27,757)(4,067)

210,303

215,703215,213

218,676

2,973

3,463

5,455

6,758

3,557

3,027

(3,731)

(530)

－

－

－

－

－

－

59,59047,00027,00020,000(27,000)(7,000)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)

7,599

6,974

9,359

8,503

1,529

(856)

2,704,408

2,718,667

2,418,518

2,484,110(234,557)

65,592Required capital (C×4%)
108,176
108,746
96,74099,364(9,382)2,624(Note) We have calculated risk­weighted assets according to the Foundation Internal Ratings­Based Approach as of Mar. 31, 2017. Until
December 31, 2016, we used the Standard Approach.

－

6

－

4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank【Non­consolidated】(Millions of yen, %)As of Mar.
31, 2016

As of Dec.
31, 2016(a)

As of Mar.
31, 2017(b)

As of Dec.
31, 2017(c)

4,648
37,1493,520
30,151

3,016
29,5403,111
25,296(409)(4,855)95(4,244)

Substandard credit
Subtotal (A)Normal credit

10,60452,4033,720,083

10,542
44,214
3,750,130

10,49543,052
3,787,777

6,422
34,8303,865,721(4,120)(9,384)
115,591(4,073)(8,222)
77,944

Total(B)

3,772,486

3,794,344

3,830,830

3,900,552

106,208

69,722

1.38

1.16

1.12

0.89

(0.27)(0.23)

32,87938,336

31,11031,405(6,931)295

As of Mar.
31, 2016

As of Dec.
31, 2016(a)

As of Mar.
31, 2017(b)

As of Dec.
31, 2017(c)

4,845
46,2333,840
39,863

3,469
39,944

4,632
30,622792(9,241)

1,163(9,322)

Substandard credit
Subtotal (A)Normal credit

12,84063,9183,729,542

10,80354,5083,752,478

10,75554,1703,788,865

6,666
41,921
3,866,713(4,137)(12,587)
114,235(4,089)(12,249)
77,848

Total(B)

3,793,461

3,806,986

3,843,035

3,908,635

101,649

65,600

1.68

1.43

1.40

1.07

(0.36)(0.33)

33,68343,24235,40839,010(4,232)

3,602

Bankruptcy and quasi­bankrupt credit
Doubtful creditNon­performing loans ratio (A)/(B)Partial direct write­off(c)­(a)(c)­(b)(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)Bankruptcy and quasi­bankrupt credit
Doubtful creditNon­performing loans ratio (A)/(B)Partial direct write­off(Notes)(c)­(a)(c)­(b)Credits:
Credits represent loans and bills discounted; Foreign exchanges; Accrued income and suspense payment account under
Other assets; and Customers’ liabilities for acceptances and guarantees in the Balance Sheet; as the securities loaned(limited for use agreements or lease contracts), which are required to be stated in a note to the Balance Sheet.
Bankruptcy and quasi­bankrupt credit:
Bankruptcy and quasi­bankrupt credits represent the credits held by borrowers who have been classified as “bankrupt
borrowers” and “effectively bankrupt borrowers” by the Bank’s self­assessment.
Doubtful credit:
Doubtful credits represent the credits held by borrowers who have been classified as “potentially bankrupt borrowers” by
the Bank’s self­assessment.
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.

－7－