Financial Results for the Third Quarter of the Fiscal Year ended March 31, 2016
(Consolidated Data)
January 28, 2016
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 filing quarterly securities report:
Scheduled date to commence dividend payments:
Segregated trading accounts:
Supplementary material on quarterly financial results:
Quarterly financial results presentation meeting:Feburuary 5, 2016
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, 2016
(April 1, 2015 － December 31, 2015)(1) Consolidated Operating Results(%: Changes from previous fiscal year)

Ordinary revenue
Million yen

Profit attributable toowners of the parent

Ordinary income%

Million yen%

Million yen%

Nine months ended
December 31, 2015

81,223

1.2

15,653

4.1

13,0584.3

Nine months ended
December 31, 2014

80,227(1.2)

15,02421.0

12,513

21.6(Note) Comprehensive income:Nine months ended December 31, 2015
Nine months ended December 31, 2014
Net income
per share

Diluted earnings
per share

Yen

Yen

Nine months ended
December 31, 2015

45.05

38.87

Nine months ended
December 31, 2014

52.66

52.63

7,956 million yen
31,138 million yen[ (74.4%) ][ 668.4% ](2) Consolidated Financial Position
Total assets
As of December 31, 2015
As of March 31, 2015

Million yen
5,391,187
5,519,533

Total net assets
Million yen
255,655
234,788

Equity ratio
%
4.5
4.0

(Reference) capital: As of December 31, 2015 : 247,435 million yen ; As of March 31, 2015 : 226,232 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, 2015

－

0.00

－

Fiscal Year ended
March 31, 2016

－

7.50

－

Fiscal Year ending
March 31, 2016
(Forecasts)
Note:

15.00

15.00

7.50

15.00

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 has different rights relation from that of common stocks.

3. Financial Forecasts for the Fiscal Year ending March 31, 2016 (April 1, 2015－March 31, 2016)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue

Full Year
Note:

Million yen
110,000%(3.7)

Ordinary income
Million yen
22,000%
3.0

Profit attributable toowners of the parent
Million yen
18,000Net income per share

%
2.3

Yen
60.38

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, 2016 : 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. :(b) Changes in accounting policies other than those noted in (a) above :(c) Changes in accounting estimates :(d) Retrospective restatements :

(3)

Yes
None
None
None

Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of December 31, 2015
As of March 31, 2015

281,008,632shares
238,458,632shares(b) Number of treasury shares
As of December 31, 2015
As of March 31, 2015

239,000shares
438,304shares(c) Average number of shares for the period under review
Nine months ended December 31, 2015
Nine months ended December 31, 2014

275,985,138 shares
237,603,144 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.

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

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2015

－

－

－

70.70

70.70

Fiscal Year ending
March 31, 2016

－

35.00

－
35.00

70.00

Fiscal Year ending
March 31, 2016
(Forecasts)(First series of seventh-class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

－

14.51

－
15.00

29.51

Fiscal Year ended
March 31, 2015
Fiscal Year ending
March 31, 2016
Fiscal Year ending
March 31, 2016
(Forecasts)(Note) As we issued first series of seventh-class preferred stock on April 7, 2015, we do not describe the dividends offiscal year ended March 31, 2015.

Consolidated Financial Statements(1) Consolidated Balance Sheets(Unit: Millions of yen)
As of March 31, 2015
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
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 available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Stock subscription rights
Non-controlling interests
Total net assets
Total liabilities and net assets

As of December 31, 2015

544,513616
87
177
27,0001,139,284
3,672,521
6,321
65,83537,276
7,470
16,014
17,22417,098(31,907)5,519,533

512,216736
126
220
27,0081,026,915
3,701,651
6,575
53,58536,5406,222
17,247
16,18016,041(30,080)
5,391,187

4,737,122
1,543
251,176
159,198
538
70,00045,123
1,682
137
39
409
199
351
1
121
17,0985,284,745

4,728,488－
204,243
92,029236
55,00037,379
875
136
39
424
220
313
0
102
16,041
5,135,531

79,811
59,19760,155(253)
198,910
21,101
5
6,214
27,321
69
8,485
234,7885,519,533

102,999
57,361
65,107(138)
225,329
16,627(161)
5,639
22,10684
8,136
255,655
5,391,187

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

Ordinary revenue
Interest income
Interest on loans and bills discounted
Interest and dividends on securities
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 of non-current assets
Extraordinary loss
Loss on disposal of non-current assets
Impairment loss
Loss on changes in equity interest
Other loss
Income before income taxes
Income taxes - current
Income taxes - deferred
Total income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of the parent

For the Nine months
ended December 31, 2014

For the Nine months
ended December 31, 2015

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
－

81,22344,73534,3739,850
15,2406,386
14,86065,569
5,932
3,546
4,243
8,198
37,435
9,759
15,653－－

14,920
1,453
425
1,879
13,041527
12,513

299
80
218
－
0
15,353
562
1,619
2,181
13,172
113
13,058

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

ProfitOther 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
Non-controlling interests

For the Nine months
ended December 31, 2014

For the Nine months
ended December 31, 2015

13,041
18,096
17,8384
253
31,13813,172(5,215)(4,474)
(167)
(574)
7,956

30,601
536

7,843
113

Senshu Ikeda Holdings,Inc.

Selected Financial Information
for the Third Quarter of FY2015(Nine months ended December 31, 2015)

Senshu Ikeda Holdings,Inc.

【 Contents】
1

Summary of Profit and Loss
(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・・

1(2) The Senshu Ikeda Bank

Non-consolidated ・ ・ ・ ・ ・ ・ ・ ・ ・ ・1(3) Senshu Ikeda Tokai Tokyo Securities

Non-consolidated ・ ・ ・ ・ ・ ・ ・ ・ ・ ・

2・・・・・・・・・・

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 ・ ・ ・ ・ ・ ・ ・ ・ ・ ・

5

3

Net Unrealized Gains (Losses) on Securities

Non-consolidated ・ ・ ・ ・ ・ ・ ・ ・ ・ ・6

4Capital ratio(4) ROE
2

5

Information on Main Accounts(1) Senshu Ikeda Holdings (domestic standard)

Consolidated

・・・・・・・・・・

7(2) The Senshu Ikeda Bank (domestic standard)

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

7

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 amountsof The Senshu Ikeda Bank and two business rehabilitation subsidiaries are stated as well.

Senshu Ikeda Holdings,Inc.

1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings 【 Consolidated】(Millions of yen)
For the nine months
ended Dec. 31,2014(a)

For the nine months
ended Dec. 31,2015(b)(b)-(a)1

Ordinary revenue

80,227

81,223996

2Ordinary expenses

65,20265,569367

3

Ordinary income

15,024

15,653629

4

Income before income taxes and non-controlling interests

14,92015,353433

5Profit attributable to owners of the parent

12,513

13,058545

6Comprehensive income

31,138

7,956(23,182)

7

Net credit costs

627

1,729

1,102

(2) The Senshu Ikeda Bank 【 Non-consolidated】
Core gross profit increased by ¥1,860 million year‐on‐year to ¥46,956 million. This was due to decrease in net interest
income by ¥600 million, decrease in net fees and commissions income by ¥643 million, and increase in net other operation
income (excluding net gains/losses on debt securities).
Core banking profit increased by ¥2,865 million year‐on‐year to ¥13,065 million by reduction of expenses. Net credit costs
increased by ¥150 million year‐on‐year to ¥637 million. Net gains on equity securities increased by ¥5,948 million year‐on‐yearto ¥6,187 million.
Ordinary income increased by ¥1,838 million year‐on‐year to ¥13,450 million, and net income increased by ¥961 million
year‐on‐year to ¥11,852 million.

(Millions of yen)

1
2

For the nine months
ended Dec. 31,2014(a)

For the nine months
ended Dec. 31,2015(b)

46,13745,09642,332
46,956(3,805)
1,860

Gross profit(Core gross profit)(b)-(a)3

Net interest income

39,842

39,242(600)

4Net fees and commissions income

5,971

5,328

(643)

5
6

Net other operation income(Net gains (losses) on debt securities)

323
1,041

(2,238)(4,624)(2,561)(5,665)

7

Expenses(excluding non-recurring expenses)(-)

34,89533,891(1,004)

16,74917,018269

16,307

14,897(1,410)

11,2428,441(2,801)

8
9
10
11
12

Personnel expenses (-)
Non-personnel expenses (-)
Banking profit (before provision for general reserve forpossible loan losses)
Core banking profit
Net gains (losses) on debt securities

13

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

14

Banking profit

15

Net non-recurring gains (loss)

16

Disposal of non-performing loans

17

Net gains (losses) on equity securities②

10,20013,065

2,865

1,041

(4,624)(5,665)－－－

11,2428,441(2,801)

370

5,009

4,639

487

637

150

239

6,187

5,948

11,612

13,4501,838

18Ordinary income

19

Net extraordinary income (loss)

(81)

(278)

(197)

20

Income before income taxes

11,531

13,171

1,640

21

Total income taxes (-)

640

1,319

679

22

Income taxes-current (-)

278

(166)

(444)

23

Income taxes-deferred (-)

361

1,485

1,124

10,891

11,852

961

487

637

150

24

Net income

25

Net credit costs ①+②

－

1

－

Senshu Ikeda Holdings,Inc.

(Reference ) Substantial figures after deduction of specific factors
The Senshu Ikeda Bank 【 Non-consolidated】(Millions of yen)Disclosed figures(a)Core gross profit

Substantial figures(b)(a) - For the ninemonths ended Dec.
31,201446,956

1,860

Net interest incomeabc39,242481
593
38,167

39,242(600)Interest income onloans and deposits

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

30,461(1,145)

Ｓｕｂｓｔａｎｔｉａｌ net interest income（a-b-c）

Other
Net fees andcommissions income
Net other operation
income

8,781

546

5,328

(643)

2,385

3,102

Expenses (-)

33,891(1,004)

Core banking profit

13,065

2,865

Net gains (losses) on
debt securities(4,624)(5,665)

Banking profit (before provision for generalreserve for possible loan losses)

8,441(2,801)

Net interest income

Net gains (losses)
on equity securities
Others

6,187

5,948

(1,178)(1,309)Ordinary income

13,450

1,838

Net extraordinary
income (loss)

(278)

(197)

Income taxes
Net income

1,319
11,852679
961

Net other operation income
Ｓｕｂｓｔａｎｔｉａｌ net other operation income(d-e)

2,385
1,535
849

Net gains (losses) on debt securities(f-g+h)(4,624)deBond futures（Breakdown）
Except for bond futures
Net gains (losses) from cancellation of hedging
investment trust for cross-shareholdings
Net gains (losses) from cancellation of hedging
investment trust for portfolio investment

1,283(4,565)(1,341)fgh（Net gains (losses) from cross-shareholdings）
Net gains (losses) oni6,187
equity securities
Net gains (losses) from cancellation of hedgingb
481
investment trust for cross-shareholdings
Net gains (losses) from sales of hedging
g(4,565)
investment trust for cross-shareholdings
Total(i+b+g)2,102(b)-(a)(b) - For the ninemonths ended Dec.
31,2014

Core gross profit

44,346(2,610)(2,868)Net interest income

38,167(1,075)(2,246)30,461－(1,145)

7,706(1,075)(1,100)

5,328

－

(643)

849

(1,536)20

Expenses (-)

33,891－(1,004)

Core banking profit

10,454(2,611)(1,864)

Net gains (losses) on
debt securities

2,070

6,694

2,112

Banking profit (before provision forgeneral reserve for possible loan losses)

12,5254,084

250Interest income onloans and deposits
Other
Net fees andcommissions income
Net other operation
incomeNet gains (losses)
on equity securities
Others2,102(4,085)2,896(1,178)－(1,309)Ordinary income

13,450－

1,838

Net extraordinary
income (loss)

(278)

－

(197)

Income taxes
Net income

1,319
11,852

－
－

679
961

(3) Senshu Ikeda Tokai Tokyo Securities 【 Non-consolidated】(Millions of yen)
For the nine months
ended Dec. 31,2014(a)

For the nine months
ended Dec. 31,2015(b)(b)-(a)1

Net operating income

1,469

1,637

168

2

Administrative expenses

1,039

1,235

196

3

Operating income

430

402

(28)

4

Income before income taxes

429

393

(36)

5

Net income

271

257

(14)

(4) 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.31,2014 Dec. 31,2014 Mar.31,2015 Dec. 31,2015
(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)

11.10

10.44

11.91

9.60

(0.84)(2.31)

9.38

8.76

9.15

8.17

(0.59)(0.98)(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.31,2014 Dec. 31,2014 Mar.31,2015 Dec. 31,2015
(a)
(b)
(c)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent basis)(c)-(a)(c)-(b)

10.84

9.92

11.10

8.60

(1.32)(2.50)

9.15

8.32

8.52

7.31

(1.01)(1.21)－

2－

Senshu Ikeda Holdings,Inc.

2. Information on Main Accounts
The Senshu Ikeda Bank 【 Non-concolidated】
The balance of loans and bills discounted at the end of December 2015 increased by ¥59.7 billion from the end of
December 2014 to ¥3,687.7 billion.
The balance of deposits at the end of December 2015 increased by ¥9.4 billion from the end of December 2014 to¥4,765.0 billion.
(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)

Corporate loans
Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments etc.

As of Mar.
31, 2014

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)

1,852,886

1,894,715

1,912,885

1,957,209(c)-(a)(c)-(b)62,49444,324438,234

460,614465,198

466,773

6,159

1,575

1,102,973

1,146,240

1,167,700

1,226,784

80,54459,084

311,679

287,859

279,986

263,651(24,208)(16,335)

1,731,940

1,733,284

1,743,166

1,730,559(2,725)(12,607)

Housing loans

1,700,370

1,706,313

1,716,611

1,703,886(2,427)(12,725)

Other loans

31,57026,97026,554

26,673(297)

119

3,584,827

3,627,999

3,656,051

3,687,768

59,76931,717

47,141

58,90660,34864,014

5,108

3,666

As of Mar.
31, 2014

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)

1,885,130

1,920,401

1,936,964

1,978,648

Consumer loans

Total
Foreign currency loans

Including two business rehabilitation subsidiaries(Millions of yen)

Corporate loans
Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments etc.

(c)-(a)58,247(c)-(b)41,684438,234

460,614465,198

466,773

6,159

1,575

1,134,858

1,171,568

1,191,420

1,247,865

76,29756,445

312,038

288,218

280,344

264,010(24,208)(16,334)

1,731,940

1,733,284

1,743,166

1,730,559(2,725)(12,607)

Housing loans

1,700,370

1,706,313

1,716,611

1,703,886(2,427)(12,725)

Other loans

31,57026,97026,554

26,673(297)

119

3,617,071

3,653,685

3,680,130

3,709,208

55,52329,07847,141

58,90660,34864,014

5,108

3,666

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)

2,847,679

2,881,937

2,913,325

2,955,678

73,74142,353

79.43

79.43

79.68

80.14

0.71

0.46

As of Mar.
31, 2014

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)

2,879,923

2,907,623

2,937,404

2,977,117

69,49439,713

79.62

79.58

79.81

80.26

0.68

0.45

Consumer loans

Total
Foreign currency loans② Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar.
31, 2014
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

(c)-(a)(c)-(b)Including two business rehabilitation subsidiaries(Millions of yen, %)Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

－

3

－

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

Senshu Ikeda Holdings,Inc.
(2) Deposits(Millions of yen)
As of Mar.
31, 2014
Individual
Online branch
Corporation
General corporation

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)

3,662,810

3,757,830

3,744,025

3,780,149

22,31936,124105,331

86,28583,58372,572(13,713)(11,011)954,524

997,807

1,028,510

984,941(12,866)(43,569)

813,752

834,853

850,231

877,266

42,41327,035(c)-(a)(c)-(b)Financial institutions

23,09337,53328,145

4,202(33,331)(23,943)

Governmental funds

117,678

125,420

150,133

103,472(21,948)(46,661)4,617,334

4,755,638

4,772,536

4,765,091

9,453(7,445)55,742

57,16049,214

16,616(40,544)(32,598)

Total
Foreign currency deposits(3) Assets under Management① Investment products sales(Millions of yen)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2014 Dec. 31,2014 Mar.31,2015 Dec. 31,2015(a)(b)(b)-(a)The Senshu Ikeda Bank

222,194

175,619

231,584

129,714(45,905)

Investment trusts

136,422

112,362

151,41369,699(42,663)

3,939

2,761

2,937

918

(1,843)Public bonds

81,83360,495

77,23459,096(1,399)Senshu Ikeda Tokai Tokyo Securities

Life insurance

20,42133,581

46,53339,512

5,931

Total

242,615

209,201

278,117

169,226(39,975)

As of Mar.
31, 2014

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)

3,662,810

3,757,830

3,744,025

3,780,149② Balance of assets under management(individual)(Millions of yen)

Deposits(c)-(a)(c)-(b)22,31936,124

Investment trusts

181,022

186,399

194,394

187,849

1,450(6,545)

Life insurance

484,462498,737

489,826

496,814(1,923)

6,988

Public bonds

35,467

26,27623,71018,481(7,795)(5,229)Senshu Ikeda Tokai Tokyo Securities

11,73328,25933,15449,506

21,247

16,352

Total

4,375,496

4,497,504

4,485,110

4,532,801

35,297

47,691

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)(Reference )Balance of assets under management(Millions of yen)
As of Mar.
31, 2014(c)-(a)(c)-(b)The Senshu Ikeda Bank

240,862

239,605

237,827

222,315(17,290)(15,512)Investment trusts

191,032

195,883

204,260

196,230

347(8,030)Public bonds

49,83043,72233,56626,084(17,638)(7,482)Senshu Ikeda Tokai Tokyo Securities

44,366

63,04968,346

83,147

20,09814,801

Total

285,229

302,655

306,173

305,462

2,807

(711)

－

4

－

Senshu Ikeda Holdings,Inc.
(4) Securities① Breakdown of security balance(Millions of yen)
As of Mar.
31, 2014
Securities
Government bonds

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)(c)-(a)(c)-(b)1,399,377

1,221,794

1,163,549

1,051,781(170,013)(111,768)

319,287

204,240

164,153

74,210(130,030)(89,943)

Local government bonds

53,642

61,873

51,25644,704(17,169)(6,552)

Corporate bonds

315,224

275,841

273,480

255,886(19,955)(17,594)

Authority bonds

189,221

192,863

197,171

192,500(363)(4,671)

Bank debenture bonds

12,643

12,643

9,384

8,003

(4,640)(1,381)

General corporate bonds

113,358

70,333

66,92455,382(14,951)(11,542)

Stocks89,986

103,742

101,658

99,835(3,907)(1,823)

Other securities

621,236

576,097

572,999

577,143

1,046

4,144

369,427

262,264

269,125

248,064(14,200)(21,061)

Foreign securities
Euroyen bonds

30,99838,98938,99337,000(1,989)(1,993)

Dollar-dominated bonds

251,741

202,842

230,125

182,179(20,663)(47,946)

Euro-dominated bonds

86,681

20,427－28,8798,452

28,879REIT

33,74536,37931,04034,144(2,235)

3,104

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

213,286

272,262

267,719

288,405

16,143

20,686

72,27136,44016,9805,914(30,526)(11,066)

4,777

5,190

5,115

6,529

1,339

1,414

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)② Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2014
Held-to-maturity debt securities(c)-(a)(c)-(b)

542

572

590

429

(143)

(161)

2,407

23,736

27,69522,943(793)(4,752)

Stocks

14,56429,59931,19835,151

5,552

3,953

Bonds

1,763

1,846

1,125

942

(904)

(183)

Government bonds

179

119

35

50

(69)

15

Local government bonds

163

244

161

185

(59)

24

Available-for-sale securities

Corporate bonds

1,420

1,482

929

706

(776)

(223)

(13,920)(7,709)(4,628)(13,150)(5,441)(8,522)Foreign securities(3,469)(1,473)(734)(5,016)(3,543)(4,282)Euroyen bonds

(1)

(11)

(6)

－

11

6

Dollar-dominated bonds(3,520)(1,591)(727)(4,938)(3,347)(4,211)Euro-dominated bonds

52

128

－

(78)

(206)

(78)

Other securities

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

(51)

4,300

2,414

1,516

(2,784)(898)(10,656)(10,761)(6,515)(9,727)

1,034(3,212)(8,849)(11,384)(7,017)(2,292)

9,092

4,725

257

225

206

77

(148)

(129)

－

5

－

Senshu Ikeda Holdings,Inc.

3. 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, 2015

As of Mar. 31, 2015

Carrying
Carrying
Fair value Difference Unrealized Unrealized
Fair value Difference Unrealized Unrealized
value
value
gain
loss
gain
loss
Government
bonds
Local
government
bonds
Corporate
bonds
Other
Total

24,99825,093

95

95－

24,99725,071

73

73

－

－

－

－

－

－

－

－

－

－

－

25,40525,45550

50－

31,30731,39083

83－

27,00027,284

284

295

11

27,00027,434

434

436

2

77,403

77,833

429

440

11

83,30583,895

590

592

2

As of Dec. 31, 2014
Carrying
Fair value Difference Unrealized Unrealized
value
gain
loss
24,99725,126

128

128

－

－

－

－

－

－

33,80733,941

134

134

－

27,00027,309

309

362

52

85,80486,377

572

625

52

(2) Available-for-sale securities (with market value)(Millions of yen, %)As of Dec. 31, 2015

As of Mar. 31, 2015

Acquisition Carrying
Acquisition Carrying
Difference Unrealized Unrealized
Difference Unrealized Unrealized
cost
value
cost
value
gain
loss
gain
loss
Equitysecurities
Bonds
Government
bonds
Local
government
bonds
Corporate
bonds
Other
Total

36,78871,94035,15135,997845

42,24373,441

31,19831,778580

323,456

324,398

942

982

40

431,460

432,586

1,125

1,238

112

49,162

49,21250

50－

139,120

139,15535

35－

44,51944,704

185

186

1

51,09551,256

161

174

13

229,774

230,481

706

746

39

241,243

242,173

929

1,029

99

558,316545,166(13,150)

2,020

15,170547,189542,560(4,628)

5,855

10,484

918,561

941,505

22,94339,001

16,0571,020,893

1,048,588

27,69538,873

11,178

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

－

6

－

46,505

76,10429,59930,6981,099

481,303

483,150

1,846

1,854

8

179,123

179,243

119

119

－

61,62861,873

244

246

1

240,551

242,034

1,482

1,489

6

553,473545,763(7,709)6,885

14,594

1,081,282

1,105,018

23,73639,43815,702Senshu Ikeda Holdings,Inc.

4. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar.
31, 2014

As of Dec.
31, 2014

As of Mar.
31, 2015

As of Dec.
31, 2015

(a)

(b)

(c)

10.09

11.08

(c)-(b)

Total capital ratio (%)

10.49

Total capital(A)-(B)269,782

281,999

268,401

300,846

18,84732,445

271,067

283,109275,747

306,562

23,45330,815140,194

153,775

153,292

210,32956,55457,037

16,164

14,575

14,711

13,461(1,114)(1,250)40,00040,00040,00015,000(25,000)(25,000)

72,471

72,471

65,22465,224(7,247)－

Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)10.58(c)-(a)
0.50

0.99

1,285

1,109

7,346

5,715

4,606

(1,631)

Risk weighted assets (C)2,571,273

2,663,073

2,657,817

2,713,779

50,70655,962Required capital (C×4%)

102,850

106,522

106,312

108,551

2,029

2,239

As of Dec.
31, 2014

As of Mar.
31, 2015

As of Dec.
31, 2015

(a)

(b)

(c)

(2) The Senshu Ikeda Bank (domestic standard)① Non-consolidated(Millions of yen)
As of Mar.
31, 2014

Total capital ratio (%)(c)-(a)(c)-(b)

9.69

9.77

9.27

10.34

0.57

1.07

247,822

258,429

244,865

278,141

19,71233,276248,251

258,825

250,192

282,501

23,67632,309167,751

179,109

177,751

210,530

31,421

32,779

6,012

5,228

5,402

4,931

(297)

(471)

－

－

－

－

－

－

74,48874,48867,03967,039(7,449)

－

429

396

5,327

4,360

3,964

(967)

Risk weighted assets (C)2,557,108

2,643,398

2,639,343

2,689,434

46,03650,091Required capital (C×4%)

102,284

105,735

105,573

107,577

1,842

2,004

Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)②

Consolidated(Millions of yen)
As of Mar.
31, 2014

As of Dec.
31, 2014

As of Mar.
31, 2015

As of Dec.
31, 2015

(a)

(b)

(c)

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

Total capital ratio (%)

10.96

11.05

10.51

11.43

0.38

0.92

Total capital(A)-(B)283,626

295,187

280,062

310,525

15,33830,463

284,055

295,584

286,016

315,460

19,87629,444

174,726

187,897

187,216

221,597

33,70034,381

16,164

14,575

14,711

13,461(1,114)(1,250)

－

－

－

－

－

－

91,99691,99682,796

79,200(12,796)(3,596)

429

396

5,953

4,934

4,538

(1,019)Risk weighted assets (C)2,586,299

2,669,130

2,664,117

2,715,968

46,83851,851Required capital (C×4%)

103,451

106,765

106,564

108,638

1,873

2,074

Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)

－

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 Mar.
31, 2014

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)(c)-(a)(c)-(b)Bankruptcy and quasi-bankrupt credit

8,264

7,019

6,437

4,876

(2,143)(1,561)

Doubtful credit

38,28939,076

38,67636,867(2,209)(1,809)Substandard credit

4,264

10,374

11,192

11,390

1,016

198

Subtotal (A)50,81756,47056,30653,133(3,337)(3,173)

Normal credit

3,563,621

3,598,351

3,623,475

3,657,263

58,91233,788

Total(B)3,614,439

3,654,822

3,679,782

3,710,396

55,57430,614

1.40

1.54

1.53

1.43

(0.11)(0.10)

58,89560,416

59,614

44,599(15,817)(15,015)

As of Mar.
31, 2014

As of Dec.
31, 2014(a)

As of Mar.
31, 2015(b)

As of Dec.
31, 2015(c)

Bankruptcy and quasi-bankrupt credit

9,040

7,922

7,136

5,207

(2,715)(1,929)Doubtful credit

55,43850,74548,96945,983(4,762)(2,986)

Substandard credit

6,706

12,73913,538

13,637898

99

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)(c)-(a)(c)-(b)

Subtotal (A)71,18571,407

69,64464,828(6,579)(4,816)

Normal credit

3,575,498

3,609,103

3,634,217

3,667,010

57,90732,793

Total(B)3,646,684

3,680,511

3,703,861

3,731,838

51,327

27,977

1.95

1.94

1.88

1.73

(0.21)(0.15)

59,15263,80463,03545,608(18,196)(17,427)

Non-performing loans ratio (A)/(B)Partial direct write-off(Notes)Credits:
Credits represent loans and bills discounted; Foreign exchanges; Accrued income and suspense payment account under
Other assets; and Customers’ liabilities for acceptances and guarantees in the Balance Sheet; as the securities loaned(limited for use agreements or lease contracts,) which are required to be stated in a note to the Balance Sheet.
Bankruptcy and quasi-bankrupt credit:
Bankruptcy and quasi-bankrupt credits represent the credits held by borrowers who have been classified as “bankrupt
borrowers” and “effectively bankrupt borrowers” by the Bank’s self-assessment.
Doubtful credit:
Doubtful credits represent the credits held by borrowers who have been classified as “potentially bankrupt borrowers”
by the Bank’s self-assessment.
Substandard credit:
Substandard credits represent the credits held by borrowers who have been classified as “loans past due three months
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 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.

－8－