Financial Results for the Fiscal Year ended March 31, 2017
(Consolidated Data)
May 12, 2017
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

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

President and Representative Director:

Hirohisa Fujita

For inquiries:

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

Scheduled date for General Meeting of Shareholders

June 28, 2017

Scheduled date for filing securities report:

June 29, 2017

Scheduled date to commence dividend payments:

June 29, 2017

Segregated trading accounts:

None

Supplementary material on financial results:

Yes (Selected financial information)

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 Fiscal Year ending March 31, 2017
(April 1, 2016 March 31, 2017)(1) Consolidated Operating Results(%: Changes from previous fiscal year)
Profit attributable toOrdinary income
owners of the parent
Million yen%
Million yen%

Ordinary revenue
Million yen
Fiscal year ended
March 31, 2017
Fiscal year ended
March 31, 2016
(Note) Comprehensive income:%

103,065(6.5)

20,668(7.4)

12,210(25.8)

110,347(3.4)

22,335

4.6

16,472(6.3)

Fiscal year ended March 31, 2017: 1,170 million yen[ (90.8%) ]Fiscal year ended March 31, 2016: 12,797 million yen[ (71.6%) ]Net income
per share

Diluted earnings
per share

Return on
net assets

Ordinary income
on total assets

Ordinary income
on ordinary
revenue

Yen

Yen

%

%

%

Fiscal year ended
March 31, 2017
Fiscal year ended
March 31, 2016

39.61

35.39

4.9

0.3

20.0

55.07

47.49

6.9

0.4

20.2

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

Fiscal year ended March 31, 2017:34 million yen

Fiscal year ended March 31, 2016:(3) million yen(2) Consolidated Financial Position
Total assets

Total net assets

Equity ratio

Net assets per share

Million yen

Million yen%

Yen

As of March 31, 2017

5,572,906

249,2174.3

736.46

As of March 31, 2016

5,406,626

258,005

4.6

759.29(Reference) capital: As of March 31, 2017: 244,351 million yen; As of March 31, 2016: 249,740 million yen
Note:

Equity ratio is calculated as: (Total net assets at the end of period
Stock subscription rights at the end of period
controlling 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.

Non-(3) Consolidated Cash Flows
Cash flows fromoperating activities

Cash flows frominvesting activities

Cash flows fromfinancing activities

Cash and cash
equivalents at
end of year

Million yen

Million yen%

Yen

Fiscal year ended
March 31, 2017
Fiscal year ended
March 31, 2016

171,535

94,160(50,222)669,243(176,158)

102,002(4,660)453,968

2. Dividends
Annual Dividends per ShareDividend on
Dividend
Net Assets
payout ratio(Consolidated) (Consolidated)

First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

AnnualDividends(Total)

Yen

Yen

Yen

Yen

Yen

Million yen%%

Fiscal Year ended
7.50
7.50
15.00
4,211
27.2
1.9
March 31, 2016
Fiscal Year ended
7.50
7.50
15.00
4,212
37.8
2.0
March 31, 2017
Fiscal Year ending
March 31, 2018
7.50
7.50
15.00
42.6
(Forecasts)
Note: 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
Million yen

Ordinary income%

Million yen%

Profit attributable toowners of parent
Million yen

Net income per share%

YenFirst half of fiscal year

58,000

11.7

7,500

(36.7)

3,500(60.3)

10.34

Full Year

106,000

2.8

16,000(22.5)

11,000

(9.9)

35.15

Note
(1) Changes in significant subsidiaries during the fiscal year ending March 31, 2017 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Excluded (company name)
Added (company name)(2) Changes in accounting policies, changes in accounting estimates, and retrospective restatements
None(a) Changes in accounting policies due to revision of accounting standards etc. :(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, 2017
As of March 31, 2016(b) Number of treasury shares
As of March 31, 2017
As of March 31, 2016(c) Average number of shares for the period under review
Fiscal year ended March 31, 2017
Fiscal year ended March 31, 2016

281,008,632 shares
281,008,632 shares
4,397,012 shares
5,616,987 shares
276,049,923 shares
276,174,200 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the Fiscal Year ending March 31, 2017 (April 1, 201631, 2017)(1) Non-consolidated Operating Results

March(%: Changes from previous fiscal year)
Operating revenue
Million yen
Fiscal year ended
March 31, 2017
Fiscal year ended
March 31, 2016%

Operating income
Million yen%

Ordinary income
Million yen

Net income%

Million yen

%

6,358

2.1

5,605

1.5

5,642

5.5

5,616

5.2

6,223

1.4

5,519

0.7

5,343

(1.5)

5,333

(1.4)

Net income
per share

Diluted earnings
per share

Yen

Yen

Fiscal year ended
March 31, 2017
Fiscal year ended
March 31, 2016

15.72

15.42

14.74

12.71

(2) Non-consolidated Financial Conditions
Total assets

Total net assets

Equity ratio

Million yen

Million yen%

Net assets per share
Yen

As of March 31, 2017

207,964

205,708

98.8

596.38

As of March 31, 2016

209,620

204,98997.7

596.45(Reference) Capital: As of March 31, 2017: 205,603 million yen; As of March 31, 2016: 204,897 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 end of the period.

2. Non-Consolidated Performance Forecasts for the Fiscal Year ending March 31, 2018 (April 1, 2017
March 31, 2018)(%: Changes from corresponding period of previous fiscal year)
Operating revenue

Operating income

Ordinary income

Million yen

Million yen

Million yen

%

%

%

Net income
Million yen%

Net income per share
YenFirst half of fiscal year

3,200

(0.4)

2,800

(0.6)

2,800

(1.3)

2,800

(1.2)

7.81

Full Year

6,400

0.6

5,600

(0.0)

5,600

(0.7)

5,600

(0.2)

15.63

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.

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:(Third-class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2016
Fiscal Year ended
March 31, 2017
Fiscal Year ending
March 31, 2018
(Forecasts)

35.00

35.00

70.00

35.00

35.00

70.00

35.00

35.00

70.00

(First series of seventh-class preferred stock)
Dividends per share

Fiscal Year ended
March 31, 2016
Fiscal Year ended
March 31, 2017
Fiscal Year ending
March 31, 2018
(Forecasts)

First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

14.51

15.00

29.51

15.00

15.00

30.00

15.00

15.00

30.00

Consolidated Financial Statements(1) Consolidated Balance Sheets(Unit: Millions of yen)
As of March 31, 2017

As of March 31, 2016
AssetsCash and due from banks

460,293675,966

Call loans and bills bought

885

172

Monetary claims bought

67

31

Trading account securities

221

317

Money held in trust

27,00026,979Securities

1,026,804

929,505

Loans and bills discounted

3,765,182

3,813,333

Foreign exchange assets

6,451

6,340

Other assets

63,76561,550

Tangible fixed assets

38,71438,508

Buildings

16,501

16,352

Land

15,464

15,776

Lease assets

16

19

Construction in progress

62

122

Other tangible fixed assets

6,668

6,238

6,123

5,216

Software

4,800

4,102

Goodwill

475

285

Other intangible fixed assets

847

828

13,01814,334

Intangible fixed assets

Net defined benefit assets
Deferred tax assets

14,181

9,526

Customers liabilities for acceptances and guarantees

14,39913,006

Reserve for possible loan losses(30,483)(21,883)

Total assets

5,406,626

5,572,906

4,730,075

4,799,493

Liabilities
Deposits
Negotiable certificates of deposit

3,800

Call money and bills sold

14,809
9,907

Payables under repurchase agreements
Payables under securities lending transactions

211,509249,762

Borrowed money

86,216160,997

Foreign exchange liabilities

429

583

Corporate bonds and notes

55,00020,000

Other liabilities

43,48851,996

Provision for employees bonuses

1,787

1,798

741

142

Net defined benefit liability
Accrued retirement benefits for directors and corporate auditors

39

33

Reserve for reimbursement of deposits

456

486

Reserve for point services

223

226

Reserve for contingent losses

343

350

Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities

0

1

110

92

14,39913,006

5,148,621

5,323,688

As of March 31, 2016

(Unit: Millions of yen)
As of March 31, 2017

Net Assets
Capital stock

102,999

102,999

Capital surplus

57,361

57,365Retained earnings

68,52175,244

Treasury stock(2,678)(2,097)

Total shareholders equity

226,203

233,512

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

21,753

7,793

Net unrealized gain (loss) on deferred hedges

(144)

(139)

Remeasurements of defined benefit plans

1,927

3,184

Total accumulated other comprehensive income

23,536

10,83891

105

Stock subscription rights
Non-controlling interests
Total net assets
Total liabilities and net assets

8,172

4,760

258,005249,217

5,406,626

5,572,906

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
Consolidated Statements of Income(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2017

For the Fiscal Year
ended Mar. 31, 2016
Ordinary revenue

110,347

103,065Interest income

61,36656,876

Interest on loans and bills discounted

45,46742,414

Interest and dividends on securities

15,211

14,015Interest on call loans and bills bought

72

26Interest on deposits with banks

462

379

Other interest income

151

42

Fees and commissions

20,281

18,893

Other ordinary income

8,532

11,466

Other income

20,166

15,828

Reversal of provision for possible loan losses
Reversal of reserve for contingent losses

117
8

Recoveries of written off claims

1,481

1,522

Other

18,55814,305

Ordinary expenses

88,011

82,396

7,622

7,697

Interest expenses
Interest on deposits

4,470

3,226

Interest on negotiable certificates of deposit00Interest on call money and bills sold3

23

Interest on payables under securities lending transactions

842

1,518

Interest on borrowings and rediscounts

676

673

36

Interest on payables under repurchase agreements

Interest on bonds

1,206

876

423

1,341

Fees and commissions payments

5,835

6,461

Other ordinary expenses

11,631

3,879

General and administrative expenses

50,063

51,955

Other expenses

12,85812,402Other interest expenses

1,709

Provision of allowance for loan losses
Other

12,858

10,692

Ordinary income

22,335

20,668Extraordinary loss

410

297

Loss on disposal of non-current assets

118

202

Impairment loss

291

93

0

1

21,925

20,371

Income taxes - current

632

2,458

Income taxes - deferred

4,710

4,043

Total income taxes

5,343

6,502

Profit16,582

13,869109

1,658

16,472

12,210

Other loss
Income before income taxes

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

Consolidated Statements of Comprehensive Income
For the Fiscal Year
ended Mar. 31, 2016

(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2017

Profit16,582

13,869Other comprehensive income(3,784)(12,698)

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

652(13,960)

Net unrealized gain (loss) on deferred hedges

(150)

5

(4,286)

1,257

12,7971,170

Remeasurements of defined benefit plans
Comprehensive income
Comprehensive income attributable to
Owners of the parent
Non-controlling interests

12,687

(487)

110

1,657

(3) Consolidated Statements of Changes in Net Assets
For the fiscal year ended March 31, 2016
(Unit: Millions of yen)
Shareholders equity
Capitalstock
Balance at the beginning ofcurrent period

CapitalsurplusRetainedearnings

79,811

59,19723,18723,187

Treasurystock

60,155

Total
shareholders
equity(253)

198,910

Changes of items during the period
Issuance of new shares

46,375

Cash dividends(8,106)(8,106)

Profit attributable to ownersof the parent

16,472

16,472Acquisition of treasury stock
Disposal of treasury stock
Retirement of treasury stock(27,621)(27,621)

(3)

175

172

(25,020)

25,020Net changes in items otherthan shareholders equity
Total changes during the period

23,187(1,836)

8,366(2,424)27,293

Balance at the end of current period

102,999

57,361

68,521(2,678)226,203

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedgesRemeasurements ofdefinedbenefitplans

21,101

5

6,214

Total
Stock
accumulated subscription
otherrightscomprehensive
income27,32169

Noncontrollinginterests

Total net
assets8,485

234,788

Changes of items during the period
Issuance of new shares

46,375

Cash dividends(8,106)

Profit attributable to ownersof the parent

16,472Acquisition of treasury stock(27,621)

Disposal of treasury stock

172

Retirement of treasury stock
Net changes in items otherthan shareholders equity

651

(150)

(4,286)(3,785)22(312)(4,076)

Total changes during the period

651

(150)

(4,286)(3,785)22(312)

23,216

21,753

(144)

1,927

23,536

91

8,172

258,005

Balance at the end of current period

For the fiscal year ended March 31, 2017
(Unit: Millions of yen)
Shareholders equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

57,361

68,521

Total
shareholders
equityTreasurystock(2,678)226,203

Change of items during period
Increase by merger

88Cash dividends(5,486)(5,486)

Profit attributable to ownersof the parent

12,21012,210Acquisition of treasury stock
Disposal of treasury stock

(4)

(1)

(1)

581

577

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

102,999

4

6,723

580

7,308

57,36575,244(2,097)

233,512

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedgesRemeasurements ofdefinedbenefitplans

21,753

(144)

1,927

Total
Stock
accumulated subscription
otherrightscomprehensive
income23,53691

Noncontrollinginterests

Total net
assets8,172

258,005

Changes of items during the period
Increase by merger

8

Cash dividends(5,486)

Profit attributable to ownersof the parent

12,210Acquisition of treasury stock(1)

Disposal of treasury stock577

Net changes in items otherthan shareholders equity(13,959)

5

1,257(12,697)13(3,412)(16,095)

Total changes during the period(13,959)

5

1,257(12,697)13(3,412)(8,787)

7,793

(139)

3,184

10,838105

4,760

249,217

Balance at the end of current period

(4) Consolidated Statements of Cash Flows(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2017

For the Fiscal Year
ended Mar. 31, 2016
Cash flows from operating activities
Income before income taxes

21,925

20,371

Depreciation

5,050

5,179

Loss on impairment of fixed assets

291

93

Amortization of goodwill

190

190

3

(34)

(1,424)(8,600)104

10(1,662)

147

1

(4)

(Earnings) losses from investments under the equity method
Increase (decrease) in reserve for possible loan losses
Increase (decrease) in accrued bonuses
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(5)

Increase (decrease) in reserve for reimbursement of deposits

46

29

Increase (decrease) in reserve for point services

24

3

Increase (decrease) in reserve for contingent losses(7)7Interest income(61,366)(56,876)

Interest expenses

7,622

7,697

(Gain) loss on securities(883)(10,542)(Gain) loss on money held in trust(1,593)(190)(Gain) loss on foreign exchange

9,742

2,731

89

178

Net (increase) decrease in loans and bills discounted(92,660)(48,151)

Net increase (decrease) in deposits(7,047)

69,417

Net increase (decrease) in negotiable certificates of deposit

2,256(3,800)Net increase (decrease) in borrowed money(excluding subordinated borrowings)(72,981)

84,780Net (increase) decrease in due from banks(excluding due from the Bank of Japan)

5,704

(397)

Net (increase) decrease in trading account securities

(43)

(95)

Net (increase) decrease in call loans and bills bought and others

(250)

750

(Gain) loss on sales or disposal of fixed assets, net

24,716

Net (increase) decrease in call money and bills sold and others
Net increase (decrease) in payables under securities
lending transactions(39,667)

38,253

Net (increase) decrease in foreign exchange (assets)

(129)

110

Net increase (decrease) in foreign exchange (liabilities)

(109)

153

Interest received

62,01556,890Interest paid

(8,285)(7,940)Other(1,700)(3,580)Subtotal(174,744)

171,493

Income taxes paid
Net cash provided by (used in) operating activities(1,414)41(176,158)

171,535

For the Fiscal Year
ended Mar. 31, 2016

(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2017

Cash flows from investing activities
Purchases of securities(724,154)(713,962)

Proceeds from sales of securities

547,418

604,194

Proceeds from maturity of securities

282,763

207,951

(289)

(228)

Increase in money held in trust
Decrease in money held in trust

1,860

420

Purchases of tangible fixed assets(4,204)(2,762)

Purchases of intangible fixed assets(1,392)(1,452)0

Proceeds from sales of tangible fixed assets
Net cash provided by (used in) investing activities

102,002

94,160Cash flows from financing activities
Proceeds from stock issuance of common stock

46,375Decrease in subordinated borrowings(10,000)

Decrease in subordinated bonds and bonds
with stock subscription rights(15,000)(35,000)

Cash dividends paid

(8,106)(5,486)

(480)

(312)

(27,621)

(1)

172

577

(4,660)(50,222)

300

(197)

Net increase (decrease) in cash and cash equivalents(78,515)215,274

Cash and cash equivalents at beginning of year

532,484

453,968

Cash and cash equivalents at end of year

453,968

669,243

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

Contents
FY2016 Results (Summary of Financial Results)
1

Financial Results(1) Senshu Ikeda Holdings

Consolidated

1(2) The Senshu Ikeda Bank

Non-consolidated

2(1) Loans and Bills Discounted

Non-consolidated

3(2) Deposits

Non-consolidated

4(3) Assets under Management

Non-consolidated

4(4) Securities

Non-consolidated

53Interest Margins

Non-consolidated

6

4

Banking Profit

Non-consolidated

6

5

ROE

Non-consolidated

7

6

Number of Directors and Employees, and Branches

Non-consolidated

77

Gains and Losses on Investment Securities

Non-consolidated

7

8

Capital Ratio(1) Senshu Ikeda Holdings(domestic standard)

Consolidated

8(2) The Senshu Ikeda Bank(domestic standard)

Consolidated
Non-consolidated

8

2

Information on Main Accounts

Overview of Loans and Bills Discounted
1

Risk Monitored Loans

Non-consolidated
Consolidated

92

Reserve for Possible Loan Losses

Non-consolidated
Consolidated

11

3

Reserve Ratios for Risk Monitored Loans

Non-consolidated
Consolidated

11

4

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated

12

5

Status of Coverage of Credits disclosed under the Financial
Revitalization Law

Non-consolidated

13

6

Classification of Loans by Industry(1) Loans and Bills Discounted

Non-consolidated

14(2) Risk Monitored Loans

Non-consolidated

15

Self-assessment, Credits disclosed under the Financial
Revitalization Law and Risk Monitored Loans

Non-consolidated

16

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, status of claims under the Financial Revitalization Law, risk monitoredloans, and reserve for possible loan losses, the total amounts of The Senshu Ikeda Bank and two business rehabilitation subsidiaries
are stated as well.

FY2016 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
For the fiscal year
ended Mar. 31, 2016 ended Mar. 31, 2017
(a)
(b)
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17

65,09053,743
14,445(3,098)50,063
2,426

Consolidated gross profits
Net interest income
Net fees and commissions income
Net other operation income
General and administrative expenses (-)
Net disposal of nonperforming loans (-)
Provision for general reserve forpossible loan losses (-)
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
Equity in earnings of affiliates
Others4,137(b)-(a)69,19849,17912,432
7,587
51,955
3,032

4,108(4,564)(2,013)
10,685
1,892
606

615

615

2,612

(1,525)

1,093

1,093

16
(78)
1,522

(16)
(362)
1,481
117
268
7,202
(3)
2,536

295
5,230
34
1,193

32
284
41
(117)
27
(1,972)37(1,343)

18
19
20
21
22
23

Ordinary income
Net extraordinary income (loss)
Income before income taxes

22,335(410)
21,925

20,668(297)
20,371(1,667)113(1,554)

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

5,343
632
4,710

6,502
2,458
4,043

1,159
1,826
(667)

24
25
26

ProfitProfit attributable to non-controlling interests (-)
Profit attributable to owners of the parent

16,582
109
16,472

13,8691,658
12,210(2,713)
1,549(4,262)

Profit16,582

13,869(2,713)

Total other comprehensive income
Net unrealized gain (loss) on available-for-salesecurities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income(3,784)(12,698)(8,914)652(13,960)(14,612)(150)(4,286)
12,797

5
1,257
1,170

155
5,543
(11,627)

Consolidated Statement of Comprehensive Income(Millions of yen)
24
27
28
29
30
31

(Note) Consolidated gross profit = (Interest income - Interest expenses)+(Fees and commissions - Fees and commissions payments)+(Other ordinary income - Other ordinary expenses)－1－(2) The Senshu Ikeda Bank Non-consolidated(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
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

Gross profit(Core 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 forpossible loan losses (-)
Banking profit
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
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)
Ordinary income
Net extraordinary income (loss)
Income before income taxes
Total income taxes (-)
Income taxes-current (-)
Income taxes-deferred (-)
Net income
Net credit costs +For the fiscal year
For the fiscal year
ended Mar. 31, 2016 ended Mar. 31, 2017(a)(b)
57,43660,81355,501
63,75554,00548,946
7,031
4,986(3,599)6,880(6,318)5,312
49,92851,13750,637
46,476
7,047
5,029(7,756)(367)(7,540)
(464)
9,675
7,508
3,367
2,470
(15)
(42)
4,156
7,248
1,221
5,776
46,39145,274
22,63322,422
20,032
20,947
2,607
3,021

－2－

(b)-(a)3,377(8,254)(5,059)(2,045)
10,479
11,6301,209(4,161)(2,018)
7,389
7,076
2,167
(897)
(27)
3,092
4,555
1,117
(211)
915
414

12,162

14,421

2,259

18,481(6,318)

9,109
5,312

(9,372)
11,630

52

2,107

2,055

12,110
6,952
1,334
1,298

12,313
4,082
(174)
682

203
(2,870)(1,508)
(616)

460

(618)

(1,078)

(16)

16

32

(160)

(15)

145

515
268
7,228
7,628
358
41
1,057
19,062(358)
18,704
4,279
(212)
4,491
14,424
1,386

535
295
5,102
5,131
20
8
(1,194)
16,396(254)
16,142
5,630
1,556
4,074
10,511
1,933

20
27(2,126)(2,497)(338)(33)(2,251)(2,666)104(2,562)
1,351
1,768
(417)
(3,913)547

2. Information on Main Accounts
The Senshu Ikeda Bank Non-consolidated(1) Loans and Bills Discounted
Breakdown of loan balance
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)2,064,282
42,612
1,746,889
16,492
1,710,333
8,772
36,556
7,721
3,811,171
59,10453,864(8,236)

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

1,806,060
1,756,962
1,721,077
35,8853,563,023
20,336

1,852,886
1,731,940
1,700,370
31,5703,584,827
47,141

1,912,885
1,743,166
1,716,611
26,554
3,656,051
60,348

As of Mar.
31, 2016(a)
2,021,670
1,730,397
1,701,561
28,8353,752,067
62,100403,094
1,083,547
243,665
60,0001,772,714
3,563,023

438,234
1,102,973
238,91260,0001,744,706
3,584,827

465,198
1,167,700
227,548
49,977
1,745,624
3,656,051

464,438
1,261,284
219,574
77,321
1,729,448
3,752,067

456,259
1,350,077
186,091
74,5001,744,242
3,811,171(8,179)88,793(33,483)(2,821)
14,794
59,104

Average Balance

3,511,161

3,526,792

3,582,906

3,638,361

3,732,105

93,744As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)2,076,488
33,844
1,746,889
16,492
1,710,333
8,772
36,556
7,721
3,823,377
50,33653,864(8,236)

Including two business rehabilitation subsidiaries

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

1,839,811
1,756,962
1,721,077
35,8853,596,774
20,336

1,885,130
1,731,940
1,700,370
31,5703,617,071
47,141

1,936,964
1,743,166
1,716,611
26,5543,680,130
60,348

As of Mar.
31, 2016(a)2,042,644
1,730,397
1,701,561
28,835
3,773,041
62,100403,094
1,116,939
243,665
60,0001,773,073
3,596,774

438,234
1,134,858
238,91260,0001,745,065
3,617,071

465,198
1,191,420
227,548
49,977
1,745,983
3,680,130

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

456,259
1,361,857
186,091
74,5001,744,668
3,823,377(8,179)79,958(33,483)(2,821)
14,86150,336

Average Balance

3,511,802

3,560,883

3,611,413

3,661,043

3,748,696

87,653As of Mar.
31, 2016(a)2,990,733
79.70(Millions of yen, %)As of Mar.
31, 2017(b)(b)-(a)3,094,320
103,587
81.19
1.49

As of Mar.
31, 2016(a)
3,011,706
79.82(Millions of yen, %)As of Mar.
31, 2017(b)(b)-(a)3,106,525
94,81981.25
1.43

Loans to small and medium-sized enterprises (SMEs), etc.

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

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

2,856,262
80.16

2,847,679
79.43

2,913,325
79.68

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

2,890,013
80.35

2,879,923
79.62

2,937,404
79.81

Including two business rehabilitation subsidiaries

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

－3－(2) Deposits
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(a)(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)Total
Foreign currency deposits

3,619,531
125,816
893,361
759,234
7,404
126,7224,512,893
49,0493,662,810
105,331954,524
813,752
23,093
117,678
4,617,334
55,742

3,744,025
83,583
1,028,510
850,231
28,145150,133
4,772,536
49,214

3,726,769
67,9601,050,926
911,572
10,056129,297
4,777,696
18,862

3,783,872
67,827
1,064,425
979,458
15,612
69,354
4,848,297
15,472

57,103(133)
13,49967,886
5,556(59,943)
70,601(3,390)

Average Balance

4,429,782

4,555,725

4,646,813

4,741,066

4,787,905

46,839Individual
Online branch
Corporation
General corporation
Financial institutions
Governmental funds(3) Assets under Management
Investment products sales(Millions of yen)
For the fiscal For the fiscal For the fiscal For the fiscal For the fiscal
year ended
year ended
year ended
year ended
year ended
Mar. 31, 2013 Mar. 31, 2014 Mar. 31, 2015 Mar. 31, 2016 Mar. 31, 2017
(a)

(b)

(b)-(a)214,759
222,194
231,584
168,343
137,361(30,982)
The Senshu Ikeda Bank
Investment trusts
111,897
136,422
151,41387,44585,027(2,418)Public bonds
12,132
3,939
2,937
1,066
766
(300)
Life insurance
90,72981,833
77,234
79,831
51,568(28,263)
Senshu Ikeda Tokai Tokyo Securities
20,421
46,533
48,102
46,211(1,891)
183,572(32,873)
Total
214,759
242,615
278,117
216,445(Note) Comparison figures for Senshu Ikeda Tokai Tokyo Securities have not been stated as it commenced operation in September,
2013.
Balance of assets under management (individual)

Deposits
Investment trusts

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(a)(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)3,619,531
186,556

3,662,810
181,0223,744,025
194,394

3,726,769
183,895

3,783,872
190,619

57,103
6,724Life insurance
447,247
484,462
489,826
501,062
508,016
6,954
Public bonds
42,17835,46723,71017,752
12,821(4,931)Senshu Ikeda Tokai Tokyo Securities
40,534
61,34972,632
93,416
20,784
4,588,746
86,634Total
4,295,514
4,404,297
4,513,306
4,502,112(Note) Comparison figures for Senshu Ikeda Tokai Tokyo Securities have not been stated as it commenced operation in September,
2013.
(Reference) Balance of assets under management
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(a)(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)255,666
240,862
237,827
216,205
215,356(849)
The Senshu Ikeda Bank
Investment trusts
198,822
191,032
204,260
192,067
198,407
6,340
Public bonds
56,84349,83033,56624,138
16,949(7,189)Senshu Ikeda Tokai Tokyo Securities
44,366
68,34681,701
105,805
24,104
321,162
23,255
Total
255,666
285,229
306,173
297,907(Note) Comparison figures for Senshu Ikeda Tokai Tokyo Securities have not been stated as it commenced operation in September,
2013.

－4－

(4) Securities
Breakdown of security balance(Millions of yen)

Securities
Government bonds
Local government bonds
Corporate bonds
Authority bonds
Bank debenture bonds
General corporate bonds
StocksOther securities
Foreign securities
Euroyen bonds
Dollar-dominated bonds
Euro-dominated bonds
REIT
Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership
Average Balance

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(a)

As of Mar.
31, 2017(b)

1,193,126
401,161
56,333229,218
119,664
4,668
104,885
97,541
408,871
179,992
35,964
114,356
29,66643,963

1,399,377
319,287
53,642
315,224
189,221
12,643
113,358
89,986621,236
369,427
30,998
251,741
86,681
33,745

1,163,549
164,153
51,256
273,480
197,171
9,384
66,924
101,658
572,999
269,125
38,993
230,125
31,0401,051,825
76,25949,338277,505
205,420
15,42956,65690,783557,938
249,540
27,000172,052
50,482
34,027954,21462,05032,269237,668
184,463
7,419
45,785
94,340527,885
291,884
22,000220,649
49,22931,304(97,611)(14,209)(17,069)(39,837)(20,957)(8,010)(10,871)
3,557(30,053)
42,344(5,000)48,597(1,253)(2,723)

180,369

213,286

267,719

267,881

196,497(71,384)

48,334

72,271

16,980

161

4,545

4,777

5,115

6,487

8,199

1,712

1,205,173

1,343,954

1,319,019

1,066,378

1,034,835(31,543)(b)-(a)(161)

Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2013
Held-to-maturity debt securities
Available-for-sale securities
Stocks
Bonds
Government bonds
Local government bonds
Corporate bonds
Other securities
Foreign securities
Euroyen bonds
Dollar-dominated bonds
Euro-dominated bonds
REIT
Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(a)

As of Mar.
31, 2017(b)(b)-(a)503
9,498
12,445
2,467
147
285
2,034
(5,414)
616
(35)
166
485
6,361

542
2,407
14,564
1,763
179
163
1,420
(13,920)(3,469)(1)(3,520)
52
(51)

590
27,69531,198
1,125
35
161
929
(4,628)
(734)
(6)
(727)

465
28,73028,336
2,396
109
188
2,098
(2,001)
2,165

271
14,82736,060
743
38
140
564
(21,977)(16,226)(194)(13,903)
7,724(1,653)(71)(48)(1,534)(19,976)(18,391)

1,465
700

(13,174)(3,052)(14,639)(3,752)

2,414(12,519)(10,656)(6,515)

3,514(7,770)2,886(8,632)

(628)
(862)

(12,690)(8,849)(7,017)

(62)

127

257

206

88

－5－

62
(4)

(92)

3. Interest Margins

The Senshu Ikeda Bank Non-consolidated
All business(%)
For the fiscal For the fiscal For the fiscal For the fiscal For the fiscal
year ended
year ended
year ended
year ended
year ended
Mar. 31, 2013 Mar. 31, 2014 Mar. 31, 2015 Mar. 31, 2016 Mar. 31, 2017(a)(b)
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)(b)-(a)

1.34

1.25

1.30

1.28

1.18

(0.10)

1.55

1.43

1.33

1.24

1.14

(0.10)

0.79

0.81

1.28

1.48

1.35

(0.13)

1.20

1.12

1.05

1.03

1.02

(0.01)

1.22

1.14

1.09

1.04

1.03

(0.01)

0.15

0.13

0.12

0.09

0.06

(0.03)

1.07
1.25
0.14

1.01
0.86
0.13

0.97
0.49
0.25

0.95
0.53
0.25

0.96
0.35
0.16

0.01
(0.18)(0.09)

0.33

0.29

0.24

0.20

0.11

(0.09)

Domestic business(%)
For the fiscal For the fiscal For the fiscal For the fiscal For the fiscal
year ended
year ended
year ended
year ended
year ended
Mar. 31, 2013 Mar. 31, 2014 Mar. 31, 2015 Mar. 31, 2016 Mar. 31, 2017(a)(b)
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)(b)-(a)

1.31

1.21

1.26

1.25

1.13

(0.12)

1.56

1.44

1.34

1.25

1.13

(0.12)

0.53

0.57

1.13

1.40

1.23

(0.17)

1.19

1.11

1.06

1.00

0.97

(0.03)

1.17

1.10

1.05

1.00

0.98

(0.02)

0.15

0.13

0.11

0.09

0.06

(0.03)

1.02
1.27
0.12

0.97
0.96
0.10

0.93
0.54
0.20

0.90
0.56
0.25

0.91
0.17
0.16

0.01
(0.39)(0.09)

0.39

0.34

0.29

0.25

0.15

(0.10)

4. Banking Profit
The Senshu Ikeda Bank Non-consolidated(Millions of yen)
For the fiscal For the fiscal For the fiscal For the fiscal For the fiscal
year ended
year ended
year ended
year ended
year ended
Mar. 31, 2013 Mar. 31, 2014 Mar. 31, 2015 Mar. 31, 2016 Mar. 31, 2017
(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) Banking profit
Per head(thousands of yen )

(a)

(b)

(b)-(a)21,38013,021

15,234

12,162

14,421

2,259

7,635

4,789

5,850

4,784

5,686

902

13,163

13,256

17,974

18,4819,109(9,372)

4,701

4,875

6,902

7,270

3,592

(3,678)24,46018,08915,234

12,11012,313

203

8,736

6,652

5,850

4,763

4,855

92

－6－

5. ROE
The Senshu Ikeda Bank Non-consolidated(%)
For the fiscal For the fiscal For the fiscal For the fiscal For the fiscal
year ended
year ended
year ended
year ended
year ended
Mar. 31, 2013 Mar. 31, 2014 Mar. 31, 2015 Mar. 31, 2016 Mar. 31, 2017(a)(b)(b)-(a)Banking profit (before provision forgeneral reserve for possible loan losses) basis

12.94

7.45

8.07

5.54

6.27

0.73

Banking profit basis
Core banking profit basis
Net income basis

14.80
7.96
4.88

10.35
7.59
8.44

8.07
9.53
7.97

5.52
8.42
6.57

5.35
3.96
4.57

(0.17)(4.46)(2.00)

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(a)

6. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank Non-consolidated
Employees and Officers
As of Mar.
31, 2013
Directors and auditors

32
31
29
30
Employees
2,711
2,608
2,498
2,456
Total
2,743
2,639
2,527
2,486
Note: Directors and auditors includes executive officers
Employees excludes employees temporarily seconded to other companies and temporary staff.

(Number of people)
As of Mar.
31, 2017(b)(b)-(a)
31
2,454
2,485

1
(2)
(1)

Branches
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016
(a)

133
5
138
214

134
5
139
217

134
5
139
218

134
5
139
225

Branches
Sub-branches
Total(Reference) ATMs

(Number of branches)
As of Mar.
31, 2017(b)(b)-(a)
136
5
141
228

2
2
3

7. Gains and Losses on Investment Securities
The Senshu Ikeda Bank Non-consolidated(Millions of yen)
For the fiscal For the fiscal For the fiscal For the fiscal For the fiscal
year ended
year ended
year ended
year ended
year ended
Mar. 31, 2013 Mar. 31, 2014 Mar. 31, 2015 Mar. 31, 2016 Mar. 31, 2017(a)(b)(b)-(a)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 (-)

8,217
15,359

(234)
6,081

(2,740)
9,582(6,318)
5,312

5,312
9,191

11,630
3,879

1,431
5,710

2,948

12,323

11,631

3,879(7,752)

3,367(Millions of yen)
For the fiscal For the fiscal For the fiscal For the fiscal For the fiscal
year ended
year ended
year ended
year ended
year ended
Mar. 31, 2013 Mar. 31, 2014 Mar. 31, 2015 Mar. 31, 2016 Mar. 31, 2017(a)(b)(b)-(a)Gains (losses) on equity securities
Gain on sales
Loss on sales (-)
Loss on write-down (-)

(911)
316
970
257

5,346
5,829
472
10

－7－

3,352
3,816
426
37

7,228
7,628
358
41

5,102
5,131
20
8

(2,126)(2,497)(338)(33)

8. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)
As of Mar.
31, 2013(BaselTotal 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 Mar.
31, 2014

As of Mar.
31, 2015

10.49
269,782
271,067

10.09
268,401
275,747

10.59
288,687
297,30910.59
261,985
273,397(26,702)(23,912)140,194

153,292

208,220

215,696

7,476

16,164

14,711

13,8939,960(3,933)40,00040,00015,00015,00072,471

65,22457,97729,290(28,687)

1,285
2,571,273
102,850

7,346
2,657,817
106,3128,622
2,724,851
108,994

11,412
2,473,114
98,9242,790(251,737)(10,070)

(a)

)

10.39
261,133

2,511,308
100,452

As of Mar.
31, 2016(Millions of yen)
As of Mar.
31, 2017(Preliminary
figures)(b)(b)-(a)(2) The Senshu Ikeda Bank (domestic standard)
Consolidated
As of Mar.
31, 2013(BaselTotal 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 Mar.
31, 2014

As of Mar.
31, 2015

(a)

)

10.35
261,3292,522,717
100,908

As of Mar.
31, 2016(Millions of yen)
As of Mar.
31, 2017(Preliminary
figures)(b)(b)-(a)10.96
283,626
284,055

10.51
280,062
286,016

11.10
302,595
310,379

10.48
259,054
270,115(0.62)(43,541)(40,264)

174,726

187,216

222,020

228,852

6,832

16,164

14,711

13,8939,960(3,933)

91,99682,79673,59729,290(44,307)429
2,586,299
103,451

5,953
2,664,117
106,564

7,784
2,725,680
109,027

11,0602,470,055
98,802

3,276(255,625)(10,225)

Non-consolidated
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

9.91

9.69

9.27

9.90

247,422

247,822248,251

244,865
250,192

267,748
275,348(BaselTotal capital ratio (%)

As of Mar.
31, 2016(a))(Millions of yen)
As of Mar.
31, 2017(Preliminary
figures)(b)(b)-(a)9.77
236,411245,771(0.13)(31,337)(29,577)

Total capital(A)-(B)Core capital (A)Common stock,
167,751
177,751
210,303215,213
4,910
internal reserves, etc.
6,012
5,402
5,455
3,557
(1,898)Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
74,48867,03959,59027,000(32,590)
capital raising instruments
Deduction (B)
429
5,327
7,599
9,359
1,760
Risk weighted assets (C)2,495,687
2,557,108
2,639,343
2,704,408
2,418,518(285,890)
96,740(11,436)
Required capital (C ×4%)
99,827102,284
105,573
108,176(Note) We have calculated risk-weighted assets according to the Fundamental Internal Ratings-Based Approach as of Mar. 31, 2017.
Until Mar. 31, 2016, we used the Standard Approach.
－8－Overview of Loans and Bills Discounted
1. Risk Monitored Loans

The Senshu Ikeda Bank
Non-consolidated
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

Loans to bankrupt borrowers
4,645
Delinquent loans
48,846Loans past due three months or more
14
Restructured loans
11,80065,305
Total(Note) Amount of partial direct write-off
As of Mar. 31, 2017: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2014: Loans to bankrupt borrowers
As of Mar. 31, 2013: Loans to bankrupt borrowers

3,199
42,9952,494
42,3004,264
50,459

11,192
55,988Loans and bills discounted

9,922 million yen
10,884 million yen
14,436 million yen
14,762 million yen
15,409 million yen

As of Mar.
31, 2016(a)
1,750
39,801
5
10,59952,156
Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

3,563,023

3,584,827

3,656,051

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

0.13
1.37
0.00
0.33
1.83

0.08
1.19

0.06
1.15

0.11
1.40

0.30
1.53

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

4,645
66,61414
14,34985,624

3,199
60,9202,636
53,151

6,706
70,827

13,53869,326

As of Mar.
31, 2016(a)3,752,067(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)916(834)
31,457(8,344)(5)
10,495(104)
42,868(9,288)
20,953 million yen
21,785 million yen
44,835 million yen
43,747 million yen
35,871 million yen(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)3,811,171
59,104(%)

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

Restructured loans
Total

As of Mar.
31, 2016
(a)
0.04
1.06
0.00
0.28
1.39

As of Mar.
31, 2017
(b)
0.02
0.82
0.27
1.12

(b)-(a)(0.02)(0.24)(0.00)(0.01)(0.27)(Reference)
Including two business rehabilitation subsidiaries

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total(Note) Amount of partial direct write-off
As of Mar. 31, 2017: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2014: Loans to bankrupt borrowers
As of Mar. 31, 2013: Loans to bankrupt borrowers

Loans and bills discounted

9,922 million yen
10,928 million yen
17,297 million yen
14,762 million yen
15,409 million yen

As of Mar.
31, 2016(a)
1,750
49,081
5
12,834
63,671
Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

3,596,774

3,617,071

3,680,130

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

0.12
1.85
0.00
0.39
2.38

0.08
1.68

0.07
1.44

0.18
1.95

0.36
1.88

As of Mar.
31, 2016(a)
3,773,041(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)916(834)
42,314(6,767)(5)
10,755(2,079)53,985(9,686)25,251 million yen
22,544 million yen
45,394 million yen
44,005 million yen
37,617 million yen(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)3,823,377
50,336(%)

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

Restructured loans
Total

－9－

As of Mar.
31, 2016
(a)
0.04
1.30
0.00
0.34
1.68

As of Mar.
31, 2017
(b)
0.02
1.10
0.28
1.41

(b)-(a)(0.02)(0.20)(0.00)(0.06)(0.27)

Consolidated
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

Loans to bankrupt borrowers
5,355
Delinquent loans
68,436Loans past due three months or more
14
Restructured loans
14,349Total
88,156(Note) Amount of partial direct written-off
As of Mar. 31, 2017: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2014: Loans to bankrupt borrowers
As of Mar. 31, 2013: Loans to bankrupt borrowers

4,000
62,173

3,522
54,195

6,706
72,881

13,53871,255Loans and bills discounted

10,737 million yen
12,006 million yen
18,266 million yen
15,940 million yen
16,435 million yen

As of Mar.
31, 2016(a)
2,628
50,252
5
12,83465,721
Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

3,588,225

3,609,329

3,672,521

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

0.14
1.90
0.00
0.39
2.45

0.11
1.72

0.09
1.47

0.18
2.01

0.36
1.94

As of Mar.
31, 2016(a)
3,765,182(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)1,621(1,007)43,099(7,153)(5)
10,755(2,079)55,476(10,245)
26,313 million yen
23,782 million yen
46,747 million yen
46,040 million yen
39,795 million yen(Millions of yen)
As of Mar.
31, 2017(b)(b)-(a)3,813,333
48,151(%)

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

Restructured loans
Total

As of Mar.
31, 2016
(a)
0.06
1.33
0.00
0.34
1.74

As of Mar.
31, 2017
(b)
0.04
1.13
0.28
1.45

(b)-(a)(0.02)(0.20)(0.00)(0.06)(0.29)(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 ordelinquent 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.

－ 10 －

2. Reserve for Possible Loan Losses
The Senshu Ikeda Bank
Non-consolidated(Millions of yen)
As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

32,302
16,905
15,39718,188
6,012
12,176

16,198
5,402
10,796(a)(b)

16,232
5,455
10,777

12,188
7,562
4,625

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

45,55421,702
23,851

32,05010,85521,194

26,232
10,507
15,725(a)(b)

25,742
10,41615,325

17,993
7,654
10,338

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

54,81528,78826,02738,924
16,16422,75931,907
14,711
17,196(a)(b)

30,483
13,893
16,58921,883
10,525
11,358

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016
(a)

36.04

28.93

31.12

As of Mar.
31, 2017
(b)
28.43

49.46

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016
(a)

53.20

45.25

37.83

40.42

As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(a)Reserve for possible loan losses
General reserve for possible loan losses
Specific reserve for possible loan losses(b)-(a)(4,044)
2,107(6,152)(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)

Reserve for possible loan losses
General reserve for possible loan losses
Specific reserve for possible loan losses(b)-(a)(7,749)(2,762)(4,987)

Consolidated(Millions of yen)

Reserve for possible loan losses
General reserve for possible loan losses
Specific reserve for possible loan losses(b)-(a)(8,600)(3,368)(5,231)

3. Reserve Ratios for Risk Monitored Loans
The Senshu Ikeda Bank
Non-Consolidated(%)

Reserve ratios(b)-(a)(2.69)(Reference)
Including two business rehabilitation subsidiaries(%)

Reserve ratios

As of Mar.
31, 2017(b)33.32(b)-(a)(7.10)

Consolidated
(%)

62.17
53.40
44.77
Reserve ratios(Note) Reserve Ratios = Reserve for possible loan losses / Risk monitored loans－ 11 －

46.38

As of Mar.
31, 2017(b)39.44(b)-(a)(6.94)

4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank Non-consolidated(Millions of yen, %))As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017(a)(b)(b)-(a)Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Subtotal (A)Normal credit

11,23042,78911,814
65,8333,532,795

8,264
38,2894,264
50,8173,563,621

6,437
38,676
11,19256,306
3,623,475

4,648
37,14910,60452,4033,720,083

3,016
29,54010,49543,052
3,787,777(1,632)(7,609)(109)(9,351)
67,694

Total (B)3,598,629

3,614,439

3,679,782

3,772,486

3,830,830

58,344

1.82

1.40

1.53

1.38

1.12

(0.26)

52,04958,89559,61432,87931,110(1,769)As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017(a)(b)

Doubtful credit
Substandard credit
Subtotal (A)Normal credit

11,72860,05814,364
86,151
3,546,233

9,040
55,438
6,706
71,185
3,575,498

7,136
48,96913,53869,644
3,634,217

4,845
46,233
12,84063,9183,729,542

3,469
39,944
10,75554,1703,788,865(1,376)(6,289)(2,085)(9,748)59,323

Total(B)3,632,385

3,646,684

3,703,861

3,793,461

3,843,035

49,574

2.37

1.95

1.88

1.68

1.40

(0.28)

53,79659,152

63,03533,68335,408

1,725

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)

Including two business rehabilitation subsidiaries(Millions of yen, %))Bankruptcy and quasi-bankrupt credit

Non-performing loans ratio (A)/(B)Partial direct write-off(b)-(a)(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.

－ 12 －

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, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017(a)(b)(b)-(a)Coverage amount (C)Reserve for possible loan losses
Collateral and guarantees

56,96318,75538,20846,466
13,53232,93450,842
13,25037,59147,09813,66433,43338,0407,959
30,080(9,058)(5,705)(3,353)Coverage ratio(C)/(A)

86.52

91.43

90.29

89.87

88.35

(1.52)

Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2017)(Millions of yen, %)Coverage amountCredit amount
Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Total

3,016
29,54010,49543,052

3,016
25,997
9,025
38,040Reserve forpossible loan
losses
287
4,198
3,473
7,959

Collateral andguarantees

Coverage ratio

2,728
21,7995,552
30,080100.00
88.00
85.99
88.35

(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2013

As of Mar.
31, 2014

As of Mar.
31, 2015

Coverage amount (C)Reserve for possible loan losses
Collateral and guarantees

73,44627,96845,47863,00023,41239,58760,96818,88742,081

Coverage Ratio (C)/(A)

85.25

88.50

87.54

As of Mar.
31, 2016

As of Mar.
31, 2017(a)(b)

56,08818,78837,30047,87813,70034,178(8,210)(5,088)(3,122)

87.74

88.38

0.64

(b)-(a)Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2017)(Millions of yen, %)Coverage amountCredit amount
Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Total

3,469
39,944
10,75554,1703,469
35,3359,074
47,878－ 13 －

Reserve forpossible loan
losses
403
9,796
3,501
13,700Collateral andguarantees

Coverage ratio

3,066
25,538
5,572
34,178100.00
88.45
84.36
88.38

6. Classification of Loans by Industry
The Senshu Ikeda Bank Non-consolidated(1) Loan and Bills Discounted(Millions of yen)
As of Mar.
31, 2013
Domestic(excluding JOM account)
Manufacturing
Agriculture and forestry
Fishery
Mining, quarrying and gravel
extraction
Construction
Electricity, gas, heat andwater supply
Information and communication
Transportation and postal activities
Wholesale and retail trade
Finance and insurance activities
Real estate and rental activities
Academic research, professional andtechnical services
Accommodation and foodservice activities
Life related services andentertainment
Education and study support
activities
Medical and welfare
Other services
Local governments
Others

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017(a)(b)(b)-(a)3,563,023

3,584,827

3,656,051

3,752,067

3,811,171

59,104

327,705
1,476
88

340,7261,368
99341,673961
93

347,553846
140

342,635760
42(4,918)
(86)
(98)

244

234

220

193

304

111

78,13377,85080,89086,297

91,274

4,977

9,808

11,762

14,75915,378

16,228850

12,15378,449212,711
149,480

14,63374,120229,405
163,267

15,281
82,569248,249
168,865

13,593
100,739
257,357
177,937

13,356
106,691
268,656
174,496

(237)
5,952
11,299(3,441)

473,462

478,042511,234

537,087

570,92133,834

9,942

9,482

10,48011,951

13,114

1,163

21,455

21,344

21,97324,875

26,793

1,918

13,292

12,60912,598

14,466

15,219

753

6,857

7,589

7,580

8,355

9,917

1,562

33,05758,316
243,665
1,832,714

36,12461,718238,912
1,805,534

45,416
69,047
227,548
1,796,602

50,24075,239219,574
1,810,234

68,98583,666
186,091
1,822,015

18,745
8,427(33,483)
11,781－ 14 －

(2) Risk Monitored Loans(Millions of yen)
As of Mar.
31, 2013
Domestic(excluding JOM account)
Manufacturing
Agriculture and forestry
Fishery
Mining, quarrying and gravel
extraction
Construction
Electricity, gas, heat andwater supply
Information and communication
Transportation and postal activities
Wholesale and retail trade
Finance and insurance activities
Real estate and rental activities
Academic research, professional andtechnical services
Accommodation and foodservice activities
Life related services andentertainment
Education and study support
activities
Medical and welfare
Other services
Local governments
Others

As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017(a)(b)(b)-(a)65,30550,45955,98852,15642,868(9,288)15,498464

14,164456

15,908448

14,887
441

7,862
438

(7,025)
(3)

6,428

6,429

5,992

4,943

4,547

(396)

5

53

214

209

150

(59)

41
1,339
4,099
2,919
17,476

40
1,202
4,180
1,063
8,450

114
628
5,064
888
13,928

243
707
4,678
766
13,021

324
362
5,116
636
12,506

81
(345)
438
(130)
(515)

240

380

348

316

294

(22)

811

844

729

630

728

98

966

442

542

395

339

(56)

1

10

9

8

21

13

751
1,597

395
1,367

608
1,503

879
1,479

862
1,588

(17)
109

12,663

10,977

9,057

8,548

7,087

(1,461)－ 15 －

7. Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank Non-consolidated(As of Mar. 31, 2017)(Billions of yen, %)Borrower classification underself-assessment guidelines(Credit exposures)
Credit-related loans including loans andbills discounted

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

Category
Classification
Category
Category Category
Category
Outstanding loans

Classification
Coverage
Secured or
Outstanding
Reserveguaranteed
ratio
loans

Bankrupt

0.1

0.7

0.9
Effectively
bankrupt

0.7

17.1

( )

(0.2)

( )

1.3

2.0
Potentiallybankrupt

(0)

8.8

29.5

0.4

3.5

Doubtful

(4.1)

29.5

5.5

11.2

4.1

3.4

Loans tobankrupt
borrowers

0.9

Delinquent
loans

31.4

88.00

85.99

Loans past due
three months or
more
Restructured
loans

10.4

Total

42.8

Subtotal

50.6

Normal
3,787.7

3,669.6

3,738.7

88.5

30.0

43.0

66.1

116.8

Total

21.7

Outstandingbalance ofloans

Classification

100.0010.4

Otherborrowers
requiring
caution3,830.8

0.2

3.0

11.7

3,669.6

2.7

Substandard

Requiring
specialcautionNormalBankruptcy
andquasibankrupt

Risk monitored loans

3.5
(4.4)

88.35

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
to total credit: 1.12%

Total
(0)

7.9

3,830.8

Ratio of risk managed loans tototal loans:1.12%

Loans and bills
discounted

3,811.1(Notes) 1.Japanese yen amounts are rounded down to the nearest 0.1 billion 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.
Category:

Category :Categories
andClaims secured by reserve for possible loan losses, superior guarantee reserved by Credit
Guarantee Corporation.
Claims secured by general collateral or guarantee such as mortgage collateral.
: All or part of claims are secured, and claims already secured are posted as Category.

4. ( ) in Borrower classification under self-assessment guidelines (Credit exposures) represent reserved amounts forclassified loans.

－ 16 －