Financial Results for the Third Quarter of the Fiscal Year ending March 31, 2015
(Consolidated Data)
January 30, 2015

Company Name: Senshu Ikeda Holdings, Inc.
Stock Code:
8714
President and Representative Director:
For inquiries:
Scheduled date for filing quarterly securities report:
Scheduled date to commence dividend payments:
Segregated trading accounts:
Supplementary material on quarterly financial results:
Quarterly financial results presentation meeting:Stock exchange listing: Tokyo Stock Exchange
http://www.senshuikeda-hd.co.jp/
URL
Hirohisa Fujita
Koji Miyata, Director and General Manager of the Corporate Planning Division
Telephone: +81-6-4802-0013
February 6, 2015
None
None
Yes (Selected financial information)
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, 2015
(April 1, 2014 － December 31, 2014)(1) Consolidated Operating Results(%: Changes from previous fiscal year)
Ordinary revenue
Ordinary income
Net income
Million yen%
Million yen%
Million yen
Nine Months ended
80,227(1.2)
15,02421.0
12,513
December 31, 2014
Nine Months ended
81,2630.9
12,411
18.4
10,284
December 31, 2013

%
21.6
10.6

Note: Comprehensive income: Nine Months ended December 31, 2014: 31,138 million yen [ 668.4% ]Nine Months ended December 31, 2013: 4,052 million yen [(61.8%)]

Nine Months ended
December 31, 2014
Nine Months ended
December 31, 2013

Net income
per share
Yen

Diluted earnings per share
Yen

52.66

52.63

43.47

43.45

(2) Consolidated Financial Position

As of December 31, 2014
As of March 31, 2014

Total assets
Million yen
5,453,009
5,349,776

Total net assets
Million yen
223,025
196,397

Equity ratio
%
3.9
3.4

(Reference) capital: As of December 31, 2014: 212,738 million yen; As of March 31, 2014: 186,159 million yen
Note: “Equity ratio” is calculated as: (Total net assets at the end of period － Stock subscription rights at the end of period － Minority interests at theend of period)/ Total assets at the end of period.

2. Dividends

Fiscal Year ended
March 31, 2014
Fiscal Year ending
March 31, 2015
Fiscal Year ending
March 31, 2015
(Forecasts)

First
Quarter
Yen

SecondQuarter
Yen

Annual Dividends
Third
Quarter
Yen

Year
End
Yen

Total

－

0.00

－

15.00

15.00

－

0.00

－
15.00

15.00

Yen

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

3. Financial Forecasts for the Fiscal Year ending March 31, 2015 (April 1, 2014－March 31, 2015)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue
Ordinary income
Net income
Net income per share
Millionyen%
Millionyen%
Millionyen%
Yen
Full Year
101,000(3.6)
19,50011.0
17,0002.3
63.93
Note: Revisions of the forecasts from recently announced figures: No

Note(1) Changes in significant subsidiaries during the third quarter of the fiscal year ending March 31, 2015 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Added －(company name)－
Excluded－(company name)－(2) Changes in accounting policies, changes in accounting estimates, and retrospective restatements(a) Changes in accounting policies due to revision of accounting standards etc. :Yes(b) Changes in accounting policies other than those noted in (a) above :None(c) Changes in accounting estimates :None(d) Retrospective restatements :None(3) Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of December 31, 2014
As of March 31, 2014

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

575,559 shares
1,269,294 shares(c) Average number of shares for the period under review
Nine Months ended December 31, 2014
Nine Months ended December 31, 2013

237,603,144 shares
236,541,935 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 forward-looking statements which are based on currently available information and certain
assumptions that the Senshu Ikeda Holdings considers to be reasonable. Various factors may cause actual results to be materiallydifferent from projections in these forward-looking statements.
○Cash Dividends for Shareholders of Classified Stock
Cash dividends per share for shareholders of classified stock which has different rights relation from that of common stocks are as follows:(Second-class preferred stock)

First
Quarter
Yen

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

－

－

－

－

－

－

Fiscal Year ended
March 31, 2014
Fiscal Year ending
March 31, 2015
Fiscal Year ending
March 31, 2015
(Forecasts)

Year
End
Yen
1,020 divided
by 18.5

Yen
1,020 divided
by 18.5

1,020 divided
by 18.5

1,020 divided
by 18.5

Total(Third-class preferred stock)

Fiscal Year ended
March 31, 2014
Fiscal Year ending
March 31, 2015
Fiscal Year ending
March 31, 2015
(Forecasts)

First
Quarter
Yen

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

－

－

－

Year
End
Yen

70.70

Total
Yen

70.70

Note: As we decided not to divide in Fiscal year ended March 31, 2014, we do not describe the dividends of third-class preferred stock.

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

As of December 31,
2014

AssetsCash and due from banks
Call loans and bills bought

215,658775

441,261
621

Monetary claims bought
Trading account securities

1,128
122

137
148

Money held in trust
Securities

27,0001,375,525

28,331
1,198,230

Loans and bills discounted
Foreign exchange assets

3,602,329
5,529

3,646,250
4,583

Other assets
Tangible fixed assets

61,28238,44771,71437,941Intangible fixed assets
Net defined benefit assets

8,045
6,496

6,845
9,096

Deferred tax assets
Customers’ liabilities for acceptances and guarantees

26,36619,99222,01918,203(38,923)
5,349,776(32,376)
5,453,009

4,580,769

4,719,817

Payables under securities lending transactions
Borrowed money

315,691
118,517214,190
154,948

Foreign exchange liabilities
Corporate bonds and notes

366
70,000149
70,000

Other liabilities
Provision for employees’ bonuses

45,146
1,678

49,931840

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

120
62

662
39

Reserve for reimbursement of deposits
Reserve for point services

328
170

487
193

Reserve for contingent losses
Reserve under special laws

379
0

370
0

Deferred tax liabilities
Negative goodwill

151
2

149
0

19,992
5,153,379

18,203
5,229,984

Reserve for possible loan losses
Total assets
Liabilities
Deposits

Acceptances and guarantees
Total liabilities
Net Assets
Common stock

79,811

79,811

Capital surplus
Retained earnings

59,251
46,94959,19955,096

Treasury stock
Total shareholders’ equity(728)
185,284(332)
193,775

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

(147)
1

17,682
6

Remeasurements of defined benefit plans
Total accumulated other comprehensive income

1,020
875

1,274
18,963

Stock subscription rights
Minority interests

68
10,16862
10,224

Total net assets
Total liabilities and net assets

196,397
5,349,776

223,025
5,453,009

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

Ordinary revenue
Interest income
Interest on loans and bills discounted
Interest and dividends on securities
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary income
Extraordinary income
Gain on disposal on non-current assets
Gain on negative goodwill
Extraordinary loss
Loss on disposal of non-current assets
Impairment loss
Loss on changes in equity interest
Income before income taxes and minority interests
Income taxes - current
Income taxes - deferred
Total income taxes
Net income before minority interests
Minority interests
Net income

For the Nine Months
ended Dec. 31, 2013
81,263
46,79838,657
7,892
14,997
5,950
13,517
68,852
6,750
4,874
4,141
6,895
39,998
11,066
12,411
3
0
3
171
36
22
112
12,243
709
807
1,517
10,725441
10,284

For the Nine Months
ended Dec. 31, 2014
80,22745,49436,428
8,729
16,216
6,781
11,73365,202
6,324
4,369
4,174
6,038
39,5099,154
15,024
0
0
－
104
68
36
0
14,920
1,453
425
1,879
13,041527
12,513

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

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

For the Nine Months
ended Dec. 31, 2013
10,725(6,673)(6,680)7－
4,052

For the Nine Months
ended Dec. 31, 2014
13,041
18,096
17,8384
253
31,1383,599
452

30,601536

Senshu Ikeda Holdings,Inc.

Selected Financial Information
for the Third Quarter of FY2014(Nine months ended December 31, 2014)

Senshu Ikeda Holdings,Inc.
【Contents】
1

2

Summary of Profit and Loss
(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank
Information on Main Accounts(1) Deposits, Loans and Bills Discounted, Securities etc. (term-end
balance and average balance)(2) Assets under Management

Consolidated
Non-consolidated

・・・・・・・・・・・・・・・・・・・・・・

1
2

Non-consolidated

・・・・・・・・・・・・

3

Non-consolidated

・・・・・・・・・・・・

5

・・・・・・・・・・・・

6

3

Capital ratio

4

Net Unrealized Gains (Losses) on Securities

Non-consolidated

・・・・・・・・・・・・

7

5

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated

・・・・・・・・・・・・

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

Senshu Ikeda Holdings,Inc.

1. Summary of Profit and Loss
Consolidated gross profits for the nine months ended December 31, 2014, increased by ¥1,997 million year-on-year to ¥51,955
million. This was mainly due to an increase in net other operation income by ¥1,687 million following the improvement of net gains(losses) on debt securities, despite a decrease of net interest income by ¥877 million mainly due to decrease of interest on loans
and discounts.
General and administrative expenses decreased by ¥489 million year-on-year to ¥39,509 million, and net disposal of
nonperforming loans decreased by ¥2,544 million year-on-year to ¥627 million. Net gains on equity securities decreased by ¥3,631
million year-on-year to ¥195 million.
Ordinary income increased by ¥2,613 million year-on-year to ¥15,024 million, and net income after reporting total income taxes,
minority interests and so forth increased by ¥2,229 million year-on-year to ¥12,513 million.
(1) Senshu Ikeda Holdings 【Consolidated】〈Consolidated Statement of Operations and Consolidated Statement of Comprehensive Income〉
Consolidated Statement of Operations(Millions of yen)
For the nine months
ended Dec. 31, 2014(a)

For the nine months
ended Dec. 31, 2013(b)(a)-(b)1

Consolidated gross profits

51,955

1,997

49,9582

Net interest income

39,170( 877)

40,047

3

Net fees and commissions income

12,042

1,186

10,856

4

Net other operation income

742

1,687

( 945)

5

General and administrative expenses (-)

39,509( 489)

39,9986

Net disposal of nonperforming loans (-)

627( 2,544)3,171

7

Net gains (losses) on equity securities

195( 3,631)3,826

8Equity in earnings of affiliates

30

7

23

9

Others

2,980

1,209

1,771

10

Ordinary income

15,024

2,613

12,411

11

Net extraordinary income (loss)( 104)

64( 168)

12

Income before income taxes and minority interests

14,9202,677

12,243

13

Total income taxes (-)

1,879

362

1,517

14

Income taxes-current (-)

1,453

744

709

15

Income taxes-deferred (-)

425( 382)

807

13,041

2,316

10,725

527

86

441

12,513

2,229

10,28416

Net income before minority interests

17

Minority interests(-)

18

Net income
Consolidated Statement of Comprehensive Income(Millions of yen)
16
19

Net income before minority interests
Total other comprehensive income

13,041

2,316

10,72518,096

24,769( 6,673)

17,83824,518( 6,680)

20

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

21

Net unrealized gain (loss) on deferred hedges

4

( 3)

7

22

Remeasurements of defined benefit plans

253

253

―

31,13827,086

4,052

23

Comprehensive income(Note) Consolidated gross profit ＝(Interest income － Interest expenses)+(Fees and commissions － Fees and commissions payments)+(Other ordinary income － Other ordinary expenses)-1-

FY2014
Forecast

19,50017,000Senshu Ikeda Holdings,Inc.

(2) The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the nine months
ended Dec. 31, 2014(a)1

Gross profit(a)-(b)For the nine months
ended Dec. 31, 2013

FY2014(b)Forecast

46,137

1,219

44,918( 1,410)

41,252

2

Net interest income

39,842

3

Net fees and commissions income

5,971

1,326

4,645

4

Net other operation income

323

1,303

( 980)

34,895( 502)

35,397

16,749( 440)

17,18916,307( 336)

16,643

11,242

1,721

9,521

5
6
7
8

Expenses (excluding non-recurring expenses)(-)
Personnel expenses (-)
Non-personnel expenses (-)
Banking profit (before provision forgeneral reserve for possible loan losses)

9Core banking profit

10,200( 342)

10,542

10

Net gains (losses) on debt securities

1,041

2,062

( 1,021)

11

Reversal of general reserve for possible loan losses(-) ①

―

4,896

( 4,896)

12

Banking profit

11,242( 3,175)

14,417

13

Net non-recurring gains (loss)

370

5,409

( 5,039)

14
15

Disposal of non-performing loans ②487( 6,615)

7,102

Net gains (losses) on equity securities239( 3,617)

3,856

16

Ordinary income

11,612

2,234

9,378

17

Net extraordinary income (loss)

( 81)

( 45)

( 36)

18

Income before income taxes

11,531

2,190

9,341

19

Total income taxes (-)

640

377

263

20

Income taxes-current (-)

278

516

( 238)

21

Income taxes-deferred (-)

361( 141)

502

10,891

1,813

9,078

487

( 1,718)

2,205

22

Net income

23

Net credit costs ①+②-2-

20,50021,00016,50015,000Senshu Ikeda Holdings,Inc.

2. Information on Main Accounts
The Senshu Ikeda Bank 【Non-consolidated】(1) Deposits, Loans and Bills Discounted and Securities etc. (term-end balance and average balance during the period)
The balance of deposits at the end of December 2014 increased by ¥142.8 billion from the end of December 2013 to¥4,755.6 billion, reflecting the favorable trend of both individual and corporation deposits.
The balance of loans and bills discounted at the end of December 2014 increased by ¥48.5 billion from the end of
December 2013 to ¥3,627.9 billion mainly due to an increase of corporate loans for local companies.

① Term-end balance(Millions of yen)
As of Dec. 31,
2014
(a)

As of Mar. 31,
2014(a)-(b)(a)-(c)As of Dec. 31,
2013

(b)

(c)

Deposits

4,755,638

138,304

142,824

4,617,334

4,612,814

Loans and bills discounted

3,627,999

43,172

48,5403,584,827

3,579,459

Securities

1,221,794(177,583)( 229,690)

1,399,377

1,451,484

36,614

41,612

3,617,071

3,612,073(Reference)
Including two business rehabilitation subsidiaries
Loans and bills discounted

3,653,685② Average balance(Millions of yen)
For the nine months
ended Dec. 31, 2014(a)

For the fiscal year
ended Mar. 31, 2014(a)-(b)(a)-(c)For the nine months
ended Dec. 31, 2013

(b)

(c)

Deposits

4,627,997

72,27274,8984,555,725

4,553,099

Loans and bills discounted

3,572,217

45,425

57,134

3,526,792

3,515,083

Securities

1,357,434

13,48043,607

1,343,954

1,313,827(Reference 1) Breakdown of deposit balance (term-end balance)(Millions of yen)
As of Dec. 31,
2014(a)
Individual(a)-(b)3,757,830

95,020

As of Mar. 31,
2014

As of Dec. 31,
2013

(b)

(c)

45,0103,662,810

3,712,820
899,994(a)-(c)997,80743,283

97,813

954,524

General corporations

834,853

21,10160,141

813,752

774,712Financial institutions

37,533

14,44033,11723,0934,416

Corporation

Governmental funds
Total
Foreign currency deposits

125,420

7,742

4,556

117,678

120,864

4,755,638

138,304

142,824

4,617,334

4,612,814

57,1601,418( 4,043)

55,742

61,203-3-

Senshu Ikeda Holdings,Inc.
(Reference 2) Breakdown of loan balance (term-end balance)
As of Dec. 31,
2014(a)Loans and bills discounted(a)-(b)(a)-(c)As of Mar. 31,
2014(Millions of yen)
As of Dec. 31,
2013

(b)

(c)

3,627,999

43,172

48,5403,584,827

3,579,459

Corporate loans

1,894,715

41,82941,9291,852,886

1,852,786

Consumer loans

1,733,284

1,344

6,612

1,731,940

1,726,672

Housing loans

1,706,313

5,943

12,6811,700,370

1,693,632

Other loans

26,970( 4,600)( 6,070)

31,57033,040Including two business rehabilitation subsidiaries(Millions of yen)
As of Dec. 31,
2014
(a)

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

As of Dec. 31,
2013

(b)

(c)

3,617,071

3,612,073
1,885,400

3,653,685

36,614

41,612

Corporate loans

1,920,401

35,27135,001

1,885,130

Consumer loans

1,733,284

1,344

6,612

1,731,940

1,726,672

Housing loans

1,706,313

5,943

12,6811,700,370

1,693,632

Other loans

26,970( 4,600)( 6,070)

31,57033,040Loans and bills discounted(Reference 3) Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar. 31,
As of Dec. 31,
2014
2013

As of Dec. 31,
2014(a)Loans to SMEs, etc.

(a)-(b)2,881,937

Ratio of loans to SMEs, etc.

(a)-(c)34,258

79.43

(b)

(c)

41,1382,847,679

2,840,799

0.07

79.43

79.36

0.00

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

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

As of Dec. 31,
2013

(b)

(c)

2,907,623

27,70034,2102,879,923

79.58( 0.04)

0.03

79.62

-4-

2,873,413
79.55

Senshu Ikeda Holdings,Inc.
(2) Assets under Management
The balance of assets under management at the end of December 2014 including figures for Senshu Ikeda Tokai Tokyo
Securities, increased by ¥23.0 billion from the end of December 2013 to ¥302.6 billion due to the diversification of
investment products based on the collaboration between banking and securities functions in our group.
① Investment products sales(Millions of yen)
For the nine months
ended Dec. 31, 2014(a)

For the nine months
ended Dec. 31, 2013(a)-(b)(b)

The Senshu Ikeda Bank

175,619( 711)

176,330

Investment trusts

112,362

4,400

107,962

2,761( 116)

2,877

60,495( 4,995)

65,490Public bonds
Life insurance
Senshu Ikeda Tokai Tokyo Securities

33,581

Total

209,201

176,330(Note) Comparison figures for Senshu Ikeda Tokai Tokyo Securities have not been stated as it commenced operation in September,
2013.
② Balance of assets under management(Millions of yen)
As of Dec. 31,
2014
(a)

(a)-(b)( 1,257)

As of Mar. 31,
2014

As of Dec. 31,
2013

(b)

(c)

( 964)

240,862

240,569(a)-(c)The Senshu Ikeda Bank

239,605

Investment trusts

195,883

4,851

6,344

191,032

189,539( 7,307)49,83051,02943,722( 6,108)

Senshu Ikeda Tokai Tokyo Securities

63,04918,683

23,97244,366

39,077

Total

302,655

17,42623,009285,229

279,646

Public bonds-5-

Senshu Ikeda Holdings,Inc.

3. Capital Ratio
Consolidated capital ratio of Senshu Ikeda Holdings was 10.58%, sufficiently exceeding the 4% level required of banks
subject to domestic standards. Consolidated capital ratio of The Senshu Ikeda Bank also still sustained a sufficient level.

(1) Senshu Ikeda Holdings(domestic standard)(Millions of yen)
As of Dec. 31,
2014(Preliminary figures)

As of Mar. 31,
2014(a)-(b)(a)Total capital ratio (%)

10.58

Total capital(A)-(B)As of Dec. 31,
2013

(b)
0.09

10.49

Total capital ratio (%)

11.44

281,999

12,217

269,782

Tier Ⅰcapital

182,972

Core capital (A)283,109

12,042271,067

TierⅠratio(%)

7.23

Adjustments (B)1,109( 176)

1,285

Risk weighted assets

2,663,073

91,8002,571,273

106,522

3,672

102,850Required capital

Total capital
Risk weighted assets
Required capital

289,275
2,527,502
101,100(2) The Senshu Ikeda Bank(domestic standard)① Non-consolidated(Millions of yen)
As of Dec. 31,
2014(Preliminary figures)(a)-(b)(a)Total capital ratio (%)

As of Mar. 31,
2014
(b)

9.77

0.08

9.69

258,429

10,607

247,822Core capital (A)258,825

10,574248,251

Adjustments (B)

396

( 33)

429

Risk weighted assets

2,643,398

86,2902,557,108

105,735

3,451

102,284

Total capital(A)-(B)

Required capital

As of Dec. 31,
2013

Total capital ratio (%)

10.18

Tier Ⅰcapital

167,030

TierⅠRatio(%)
Total capital
Risk weighted assets
Required capital② Consolidated

6.64
256,0092,513,536
100,541(Millions of yen)
As of Dec. 31,
2014(Preliminary figures)

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

As of Dec. 31,
2013

(b)

Total capital ratio (%)

11.05

0.09

10.96

Total capital ratio (%)

11.36

Total capital(A)-(B)295,187

11,561

283,626

Tier Ⅰcapital

182,500

Core capital (A)295,584

11,529284,055

TierⅠRatio(%)

7.18

Adjustments (B)

396

( 33)

429

Risk weighted assets

2,669,130

82,8312,586,299

106,765

3,314

103,451

Required capital(Notes)Total capital
Risk weighted assets
Required capital

288,6402,539,344
101,573

1. Comparison with the previous capital adequacy requirement (Basel II) has not been conducted due to application of the
new capital adequacy requirement (Basel III) from March 31, 2014.
2. Required capital is an amount calculated by multiplying 4% to risk-weighted assets.

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Senshu Ikeda Holdings,Inc.

4. Net Unrealized Gains (Losses) on Securities
The Senshu Ikeda Bank 【Non-consolidated】(1) Held-to-maturity debt securities (with market value)(Millions of yen)
As of Dec. 31, 2014
Government
bonds
Local government
bonds
Corporate
bonds
Other
Total

Carrying
value

Fair value

Difference

24,99725,126―

As of Mar. 31, 2014

Unrealized gain

Unrealized loss

Carrying
value

Fair value

Difference

128

128

―

24,99725,024

―

―

―

―

―

33,80733,941

134

134

―

27,00027,309309

362

85,80486,377572

625

Unrealized gain

Unrealized loss

26

26

―

―

―

―

―

45,40645,601

195

200

5

52

18,00018,321

321

321

―

52

88,403

88,946

542

548

5

Unrealized gain

Unrealized loss

As of Dec. 31, 2013
Carrying
value

Fair value

Difference

24,99724,983

( 14)

―

14

―

―

―

―

―

38,292

38,527

234

244

9

18,00018,382

382

382

―

81,28981,893

603

626

23

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

As of Dec. 31, 2014
Carrying
Difference
value
Unrealized gain

Unrealized loss

Acquisition
cost

As of Mar. 31, 2014
Carrying
Difference
value
Unrealized gain

Unrealized loss

46,505

76,10429,59930,6981,099

47,72962,294

14,564

16,912

2,348

481,303

483,150

1,846

1,854

8

615,986

617,750

1,763

1,880

117

179,123

179,243

119

119

―

294,110294,290

179

194

14

61,62861,873

244

246

1

53,47853,642

163

173

9

240,551

242,034

1,482

1,489

6

268,398

269,818

1,420

1,512

92

553,473545,763( 7,709)

6,885

14,594614,151

600,230(13,920)

2,297

16,217

1,081,282

1,105,018

23,73639,43815,702

1,277,868

1,280,275

2,407

21,09018,683Acquisition
cost

Carrying
value

Difference

Unrealized gain

Unrealized loss

51,27574,01522,73924,9192,179

648,204

649,242

1,037

1,468

430

335,100

334,932( 168)

77

246

54,90155,061

160

177

16

258,202259,248

1,046

1,213

167

634,622615,840( 18,782)

2,036

20,8191,334,102

1,339,097

4,995

28,42523,430

As of Dec. 31, 2013-7-

Senshu Ikeda Holdings,Inc.

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

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

As of Dec. 31,
2013

(b)

(c)

Bankruptcy and quasi-bankrupt credit

7,019( 1,245)( 1,637)

8,264

8,656

Doubtful credit

39,076787( 6,694)

38,28945,770Substandard credit

10,374

6,110

6,004

4,264

4,370

Subtotal (A)56,4705,653( 2,328)

50,817

58,798

Normal credit

3,598,351

34,73045,2083,563,621

3,553,143

Total(B)

3,654,822

40,38342,881

3,614,439

3,611,941

1.54

0.14

( 0.08)

1.40

1.62

60,416

1,521

7,748

58,89552,668Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Dec. 31,
2014
(a)

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

As of Dec. 31,
2013

(b)

(c)

Bankruptcy and quasi-bankrupt credit

7,922( 1,118)( 1,511)

9,040

9,433

Doubtful credit

50,745( 4,693)( 12,232)

55,43862,977

Substandard credit

12,739

6,033

5,913

6,706

6,826

Subtotal (A)71,407222( 7,831)

71,185

79,238

Normal credit

3,609,103

33,60543,781

3,575,498

3,565,322

Total(B)

3,680,511

33,82735,951

3,646,684

3,644,560

1.94( 0.01)( 0.23)

1.95

2.17

63,804

4,652

9,075

59,15254,729Non-performing loans ratio (A)/(B)Partial direct write-off(Notes)Credits:
Credits represent loans and bills discounted; Foreign exchanges; Accrued income and suspense payment account under Other assets; and Customers’ liabilities
for acceptances and guarantees in the Balance Sheet; as the securities loaned (limited for use agreements or lease contracts,) which are required to be stated in anote to the Balance Sheet.
Bankruptcy and quasi-bankrupt credit:
Bankruptcy and quasi-bankrupt credits represent the credits held by borrowers who have been classified as “bankrupt borrowers” and “effectively bankrupt
borrowers” by the Bank’s self-assessment.
Doubtful credit:
Doubtful credits represent the credits held by borrowers who have been classified as “potentially bankrupt borrowers” by the Bank’s self-assessment.
Substandard credit:
Substandard credits represent the credits held by borrowers who have been classified as “loans past due three months or more” and “restructured loans” among
the credits requiring special caution. (Borrowers requiring special caution: Borrowers who have concerns in lending conditions, exercising their obligations andfinancial situation, requiring special caution on their future situations.)
Normal credit:
Normal credits represent the credits held by borrowers who show no particular problems regarding financial conditions and business performances; therefore
they are classified as an item other than the aforementioned credits.

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