Financial Results for the Fiscal Year ended March 31, 2019
(Consolidated Data)
May 14, 2019
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

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

Atsushi Ukawa

President and Representative Director:

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

Corporate Planning and General Affairs Division
Telephone: +81-6-4802-0013
Scheduled date for General Meeting of Shareholders

June 25, 2019

Scheduled date for filing securities report:

June 26, 2019

Scheduled date to commence dividend payments:

June 26, 2019

Segregated trading accounts:

None

Supplementary material on financial results:

Yes

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, 2019(April 1, 2018－March 31, 2019)(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, 2019
Fiscal year ended
March 31, 2018
(Note) Comprehensive income:%

97,303(12.8)

9,698(31.7)

6,139(26.8)

111,612

8.2

14,206(31.2)

8,395(31.2)

Fiscal year ended March 31, 2019: 9,316million yen[53.4％]

Fiscal year ended March 31, 2018: 6,072million yen[ 418.7％ ]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, 2019
Fiscal year ended
March 31, 2018

18.40

17.66

2.5

0.1

9.9

25.68

24.13

3.4

0.2

12.7

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

Fiscal year ended March 31, 2019:27million yen

Fiscal year ended March 31, 2018:27million 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, 20195,450,878

236,4624.3

748.83As of March 31, 2018

5,526,003

248,935

4.4

736.33(Reference) capital: As of March 31, 2019: 234,421 million yen; As of March 31, 2018: 245,279 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.

(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, 2019
Fiscal year ended
March 31, 2018

(53,512)124,364(40,163)

736,824(136,416)

185,204(11,986)

706,045

2. Dividends
Annual Dividends per Share
First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

AnnualDividends(Total)

Yen

Yen

Yen

Yen

Yen

Million yen

Dividend
Dividend on
payout ratio
Net Assets(Consolidated) (Consolidated)%%

Fiscal Year ended
7.50
7.50
15.00
4,212
58.4
2.0
－
－
March 31, 2018
Fiscal Year ended
7.50
7.50
15.00
4,212
81.5
2.0
－
－
March 31, 2019
Fiscal Year ending
March31,2020
3.75
3.75
7.50
64.4
－
－
(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, 2020(April 1, 2019－March 31, 2020)(%: 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

43,000(10.5)

2,500(42.2)

2,000(32.9)

5.82

Full Year85,000(12.6)

5,000(48.4)

4,000(34.8)

11.64

Note(1) Changes in significant subsidiaries during the fiscal year ending March 31, 2019 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Added －(company name)－
Excluded－(company name)－(2) Changes in accounting policies, changes in accounting estimates, and retrospective restatements(a) Changes in accounting policies due to revision of accounting standards etc. :None(b) Changes in accounting policies other than those noted in (a) above :None(c) Changes in accounting estimates :None(d) Retrospective restatements :
None
(3)

Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of March 31, 2019
As of March 31, 2018(b) Number of treasury shares
As of March 31, 2019
As of March 31, 2018(c) Average number of shares for the period under review
Fiscal year ended March 31, 2019
Fiscal year ended March 31, 2018

281,008,632 shares
281,008,632 shares
1,845,557 shares
3,089,250 shares
278,580,680 shares
277,260,105 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the Fiscal Year ending March 31, 2019 (April 1, 2018－March
31, 2019)(1) Non-consolidated Operating Results(%: Changes from previous fiscal year)
Operating revenue
Million yen
Fiscal year ended
March 31, 2019
Fiscal year ended
March 31, 2018%

Operating income
Million yen%

Ordinary income
Million yen

Net income%

Million yen

%

6,334

(0.7)

5,223

(6.5)

5,262

(6.4)

5,365

(4.0)

6,383

0.3

5,591

(0.2)

5,628

(0.2)

5,594

(0.3)

Net income
per share

Diluted earnings
per share

Yen

Yen

Fiscal year ended
March 31, 2019
Fiscal year ended
March 31, 2018

15.62

15.33

15.57

15.54

(2) Non-consolidated Financial Conditions
Total assets

Total net assets

Equity ratio

Net assets per share

Million yen

Million yen%

Yen

As of March 31, 2019

194,012

191,63998.7

595.32As of March 31, 2018

209,519

206,44998.4

596.17(Reference) Capital: As of March 31, 2019: 191,568million yen; As of March 31, 2018: 206,327 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.
Note: From the beginning of the fiscal year under review , the Company has applied "Partial Amendments to Accounting Standard
for Tax Effect Accounting" (ASBJ Statement No. 28, February 16, 2018), etc. The figures as of March 31, 2018 have beenadjusted retrospectively to apply these accounting standards.

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

3,000

(6.7)

2,500

(10.5)

2,500(11.1)

2,500(11.6)

7.61

Full Year

4,700(25.7)

4,000(23.4)

4,000(23.9)

4,000(25.4)

11.64

Disclosure concerning the implementation status of audit proceduresThis report is exempt from audit procedures based upon the Financial Instruments and Exchange Act of Japan. Asof this report’s publication, audit procedures of financial statements have not been completed as stipulated under
the provisions of the Financial Instruments and Exchange Act.
Cautionary statement with respect to earnings forecasts, and disclaimer
This report contains projections and other forward-looking statements which are based on currently available
information and certain assumptions that the Senshu Ikeda Holdings considers to be reasonable. Various factors
may cause actual results to be materially different from projections in these forward-looking statements.

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

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2018
Fiscal Year ended
March 31, 2019
Fiscal Year ending
March 31, 2020
(Forecasts)

－

35.00

－

－

35.00

－

35.00

70.00

(Note) As third-class preferred stock was retired on March 28, 2019, we do not describe the dividends of fiscal year ended
March 31, 2019 and Fiscal Year ending March 31, 2020 (forecasts).

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

Fiscal Year ended
March 31, 2018
Fiscal Year ended
March 31, 2019
Fiscal Year ending
March 31, 2020
(Forecasts)

First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

－

15.00

－

15.00

30.00

－

15.00

－

15.00

30.00

－

15.00

－

15.00

30.00

Consolidated Financial Statements(1) Consolidated Balance Sheets
As of March 31, 2018
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
Buildings
Land
Lease assets
Construction in progress
Other tangible fixed assets
Intangible fixed assets
Software
Goodwill
Other 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 losses on guarantees
Reserve for contingent losses
Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Stock subscription rights
Non-controlling interests
Total net assets
Total liabilities and net assets(Unit: Millions of yen)
As of March 31, 2019

713,371
3,783
100
176
26,987736,415
3,897,405
5,448
82,965
41,14815,955
15,768
9
11
9,401
5,209
4,175
205
828
11,114
7,427
9,322(14,873)
5,526,003

743,563
7,127
100
112
27,003
612,741
3,913,086
5,514
79,93940,093
15,767
15,313
7
－
9,004
5,152
3,956
82
1,113
13,512
8,403
8,492(13,965)
5,450,878

4,902,103900
165,002132,133
562
20,00043,314
1,876
151
33
512
246
－
770
2
135
9,322
5,277,067

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

102,999
57,381
78,153(1,476)
237,057
6,981
(115)
1,355
8,222
122
3,533
248,935
5,526,003

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

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

Ordinary revenue

For the Fiscal Year
ended Mar. 31, 2018
111,612(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2019
97,303

Interest income

51,223

48,673

Interest on loans and bills discounted

41,06240,381

Interest and dividends on securities

9,640

7,758

Interest on call loans and bills bought

71

49

Interest on deposits with banks

379

380

Other interest income

69

103

20,69521,087

Fees and commissions
Other ordinary income

5,618

4,933

Other income

34,07522,6082,254

289

Reversal of provision for possible loan losses
Recoveries of written off claims

1,375

1,292

Other

30,44421,026

Ordinary expenses

97,40587,605Interest expenses

5,294

5,114

2,528

1,752

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

(9)

6

Interest on payables under repurchase agreements

17

－

1,274

2,031

Interest on borrowings and rediscounts

480

383

Interest on bonds

275

167

Other interest expenses

727

773

Interest on deposits

Interest on payables under securities lending transactions

Fees and commissions payments

6,945

6,783

Other ordinary expenses

20,015

11,752

General and administrative expenses

51,45348,657

Other expenses

13,697

15,297

Other

13,697

15,297

Ordinary income

14,206

9,698

Extraordinary income

1,790

10

Gain on disposal of non-current assets

8010Gain on return of retirement benefit trust

1,710

－

Extraordinary loss

104

2,221

Loss on disposal of non-current assets

46

118

Impairment loss

56

2,101

Transfer to reserve for financial products transaction liabilities

1

1

15,892

7,487

Income taxes - current

966

1,313

Income taxes - deferred

6,235

(19)

Total income taxes

7,201

1,294

Profit

8,691

6,192

Income before income taxes

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

295

52

8,395

6,139

Consolidated Statements of Comprehensive Income(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2019

For the Fiscal Year
ended Mar. 31, 2018
Profit

8,691

6,192

Other comprehensive income(2,618)

3,123

(813)

2,303

23

(20)

(1,829)

841

6,072

9,316

5,779

9,263

293

52

Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income
Comprehensive income attributable to
Owners of the parent
Non-controlling interests

(3) Consolidated Statements of Changes in Net Assets
For the fiscal year ended March 31, 2018
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

57,36575,244

Total
shareholders’equityTreasurystock(2,097)

233,512

Changes of items during the period
Purchase of shares of
consolidated subsidiaries

20

Cash dividends

20(5,487)(5,487)

8,395

8,395

Profit attributable to ownersof the parent
Acquisition of treasury stock(4)

Disposal of treasury stock

(0)

(0)

621

617

Net changes in items otherthan shareholders’ equity

－

15

2,908

621

3,545

102,999

57,381

78,153(1,476)

237,057

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

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedges

7,793

(139)

RemeasureTotal
Stock
Nonments ofaccumulated subscription controllingdefinedotherrightsinterests
benefitcomprehensive
plansincome3,184

10,838105

4,760

Total net
assets249,217

Changes of items during the period
Purchase of shares of
consolidated subsidiaries

20(5,487)

Cash dividends
Profit attributable to ownersof the parent

8,395

Acquisition of treasury stock(0)

Disposal of treasury stock

617

Net changes in items otherthan shareholders’ equity

(811)

23

(1,829)(2,616)16(1,227)(3,827)

Total changes during the period

(811)

23

(1,829)(2,616)16(1,227)(282)

Balance at the end of current period

6,981

(115)

1,355

8,222

122

3,533

248,935

For the fiscal year ended March 31, 2019
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

57,381

78,153

Total
shareholders’equityTreasurystock(1,476)

237,057

Change of items during period

1

Change in subsidiaries’ equity
Cash dividends

1(5,488)(5,488)

6,139

6,139

Profit attributable to ownersof the parent(15,359)(15,359)

(22)

746

723

(15,256)

15,256－

Acquisition of treasury stock
Disposal of treasury stock
Retirement of treasury stock
Net changes in items otherthan shareholders’ equity－(15,278)650

644(13,982)

102,999

42,10378,804(831)

223,074

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

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedges

6,981

(115)

RemeasureTotal
Stock
Nonments ofaccumulated subscription controllingdefinedotherrightsinterests
benefitcomprehensive
plansincome

1,355

8,222

122

3,533

Total net
assets248,935

Changes of items during the period

1

Change in subsidiaries’ equity(5,488)Cash dividends
Profit attributable to ownersof the parent

6,139

Acquisition of treasury stock(15,359)

Disposal of treasury stock

723

Retirement of treasury stock－

Net changes in items otherthan shareholders’ equity

2,303

(20)

841

3,124

(50)

(1,563)

1,509

Total changes during the period

2,303

(20)

841

3,124

(50)

(1,563)(12,473)

Balance at the end of current period

9,285

(136)

2,197

11,346

71

1,969

236,462(4) Consolidated Statements of Cash Flows(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2019

For the Fiscal Year
ended Mar. 31, 2018
Cash flows from operating activities
Income before income taxes

15,892

7,487

Depreciation

5,267

5,320

Loss on impairment of fixed assets

56

2,101

Amortization of goodwill

217

122

(Earnings) losses from investments under the equity method

(27)

(27)

(7,012)

(908)

72

(650)

(1,710)－

Increase (decrease) in reserve for possible loan losses
Increase (decrease) in accrued bonuses
Gain on return of retirement benefit trust
Decrease (increase) in net defined benefit asset(974)(1,608)

Increase (decrease) in net defined benefit liability

6

5

Increase (decrease) in accrued retirement benefits
for directors and corporate auditors

－

(24)

Increase (decrease) in reserve for reimbursement of deposits

25

99

Increase (decrease) in reserve for point services

19

8

Increase (decrease) in reserve for losses on guarantees－

371

Increase (decrease) in reserve for contingent losses

419

29

Interest income(51,223)(48,673)

Interest expenses

5,294

5,114

(Gain) loss on securities(4,793)

336

864

215

(Gain) loss on foreign exchange

94(1,929)(Gain) loss on sales or disposal of fixed assets, net

(49)

43

Net (increase) decrease in loans and bills discounted(88,078)(15,681)Net increase (decrease) in deposits

102,676

43,444900(900)

Net increase (decrease) in borrowed money(excluding subordinated borrowings)(22,603)(9,056)

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

(679)

587

Net (increase) decrease in trading account securities

141

63

Net (increase) decrease in call loans and bills bought and others(3,680)(3,344)

Net (increase) decrease in call money and bills sold and others(24,716)－

Net increase (decrease) in payables under securities
lending transactions(84,759)(77,681)(Gain) loss on money held in trust

Net increase (decrease) in negotiable certificates of deposit

Net (increase) decrease in foreign exchange (assets)

892

(65)

Net increase (decrease) in foreign exchange (liabilities)

(21)

(153)

Interest received

52,36050,055Interest paid

(5,730)(5,583)

Other(22,963)(1,746)

Subtotal(133,823)(52,629)(2,592)(883)(136,416)(53,512)

Income taxes paid
Net cash provided by (used in) operating activities

(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2019

For the Fiscal Year
ended Mar. 31, 2018
Cash flows from investing activities
Purchases of securities(413,251)(133,388)

Proceeds from sales of securities

399,351

166,240

Proceeds from maturity of securities

203,189

97,792

Purchases of tangible fixed assets(3,010)(4,841)

Purchases of intangible fixed assets(1,518)(1,658)Proceeds from sales of tangible fixed assets

520

218

Proceeds from sales of intangible fixed assets－

0

Purchase of shares of subsidiaries resulting in change in scopeof consolidation

(75)

－

185,204

124,364(7,000)－－(20,000)(5,487)(5,488)

(116)

(39)

Purchases of treasury stock(0)(15,359)

Proceeds from disposal of treasury stock

617

723

(11,986)(40,163)090

Net cash provided by (used in) investing activities
Cash flows from financing activities
Decrease in subordinated borrowings
Decrease in subordinated bonds and bonds
with stock subscription rights
Cash dividends paid
Cash dividends paid for minority shareholders

Net cash provided by (used in) financing activities
Effect of exchange rate changes on cash and cash equivalents
Net increase (decrease) in cash and cash equivalents

36,801

30,778Cash and cash equivalents at beginning of year

669,243706,045

Cash and cash equivalents at end of year

706,045736,824

Selected Financial Information
For the FY2018(Ended March 31, 2019)

【Contents】
Ⅰ

FY2018 Results (Summary of Financial Results)

1

Financial Results(1) Senshu Ikeda Holdings

Consolidated

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

Non-consolidated

・・・・・・・・・ 1(3) The Senshu Ikeda Bank

Non-consolidated

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

Non-consolidated

・・・・・・・・・ 4(2) Deposits

Non-consolidated

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

Non-consolidated

・・・・・・・・・ 5(4) Securities

Non-consolidated

・・・・・・・・・ 6

3Interest Margins

Non-consolidated

・・・・・・・・・ 7

4Banking Profit

Non-consolidated

・・・・・・・・・ 7

5

ROE

2

Information on Main Accounts

・・・・・・・・・(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・ 8(2) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・ 8

6

Number of Directors and Employees, and Branches

Non-consolidated

・・・・・・・・・ 8

7

Gains and Losses on Investment Securities

Non-consolidated

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

・・・・・・・・・ 10

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

・・・・・・・・・ 11

Non-consolidated

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

Non-consolidated

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

Non-consolidated

・・・・・・・・・ 17

Non-consolidated

・・・・・・・・・ 18

Consolidated
Non-consolidated
Non-consolidated

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

Ⅱ

Overview of Loans and Bills Discounted

1

Risk Monitored Loans

2

Reserve for Possible Loan Losses

3

Reserve Ratios for Risk Monitored Loans

4

Status of Credits disclosed under the Financial Revitalization Law
Status of Coverage of Credits disclosed under the Financial
Revitalization Law
Classification of Loans by Industry

5
6

7
Ⅲ

・・・・・・・・・ 10

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

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

・・・・・・・・・ 20

The Senshu Ikeda Bank transferred a portion of loans to the business rehabilitation subsidiaries on March 25, 2013.
For this reason, with regard to loans and bills discounted, status of claims under the Financial Revitalization Law, risk monitored loans,and reserve for possible loan losses, the total amounts of The Senshu Ikeda Bank and business rehabilitation subsidiaries are stated aswell.

Ⅰ FY2018 Results (Summary of Financial Results)
1. Financial Results(1) Senshu Ikeda Holdings 【Consolidated】〈Consolidated Statement of Operations and Consolidated Statement of Comprehensive Income〉
Consolidated Statement of Operations(Millions of yen)

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

For the fiscal year
ended Mar. 31, 2018(a)

For the fiscal year
ended Mar. 31, 2019(b)

45,28145,92813,750(14,396)
51,453(1,673)
－
2,145
－
(22)
(428)
1,375
2,254
261
18,45127
225
14,206
1,685
15,892
7,201
966
6,235
8,691
295
8,395

51,04443,55914,304(6,819)48,657
3,127
－
4,202
－
29
121
1,292
289
355
9,031
27
1,379
9,698
(2,211)
7,487
1,294
1,313
(19)
6,192
52
6,139

5,763
(2,369)554
7,577(2,796)
4,800
－
2,057
－
51
549
(83)
(1,965)94(9,420)0
1,154(4,508)(3,896)(8,405)(5,907)347(6,254)(2,499)(243)(2,256)

6,192
3,123
2,303
(20)
841
9,316

(Millions of yen)
(2,499)
5,741
3,116
(43)
2,670
3,244

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

Written-off loans (-)
Provision for specific reserve for possible loan losses (-)

Provision for contingent losses (-)
Gains (losses) on sales of non-performing loans (-)
Recoveries of written off claims
Reversal of reserve for possible loan losses
Others (-)
Net gains (losses) on equity securities
Equity in earnings of affiliates
OthersOrdinary income
Net extraordinary income (losses)
Income before income taxes
Total income taxes (-)
Income taxes-current (-)
Income taxes-deferred (-)
ProfitProfit attributable to non-controlling interests (-)
Profit attributable to owners of the parent(b)-(a)Consolidated Statement of Comprehensive Income
24
27
28
29
30
31

8,691
(2,618)(813)
23(1,829)
6,072

ProfitTotal other comprehensive income
Net unrealized gain (loss) on available-for-sale securities

Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income(Note) Consolidated gross profit = (Interest income - Interest expenses)+(Fees and commissions - Fees and commissions payments)+(Other operating income - Other operating expenses)(2) Senshu Ikeda Tokai Tokyo Securities 【Non-consolidated】(Millions of yen)

1
2
3
4
5

For the fiscal year
ended Mar. 31, 2018(a)

For the fiscal year
ended Mar. 31, 2019
(b)

3,263
2,428
834
832
566

2,793
2,565
228
226
147

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

―

1

―

(b)-(a)

(470)
137
(606)
(606)
(419)

(3) 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

For the fiscal year
ended Mar. 31, 2018(a)

For the fiscal year
ended Mar. 31, 2019(b)

Gross profit(Core gross profit)
Net interest income
Net fees and commissions income
Net other operating income
Net gains (losses) on debt securities
Domestic gross profit
Net interest income
Net fees and commissions income
Net other operating income
Net gains (losses) on debt securities
International gross profit
Net interest income
Net fees and commissions income
Net other operating income
Net gains (losses) on debt securities
Expenses (excluding non-recurring expenses) (-)
Personnel expenses (-)
Non-personnel expenses (-)
Miscellaneous taxes (-)
Banking profit (before provision for general reservefor possible loan losses)
Core banking profit
Net gains (losses) on debt securities
Provision for general reserve for①
possible loan losses (-)
Banking profit
Net non-recurring gains (losses)
Credit costs (-)②
Written-off loans (-)
Provision for specific reserve forpossible loan losses (-)
Provision for contingent losses (-)
Gains (losses) on sales of
non-performing loans (-)
Recoveries of written-off claims
Reversal of reserve for possible loan losses
Others (-)
Net gains (losses) on equity securities
Gain on sales of equity securities
Loss on sales of equity securities (-)
Loss on write-down of equity securities (-)
Other non-recurring gains (losses)

37,94851,66947,234
6,257(15,543)(13,721)51,21145,710
6,322
(821)
(648)
(13,263)1,523(65)(14,721)(13,072)
46,34822,61520,8732,859

44,31553,64944,735
7,655(8,075)(9,333)
43,94743,982
7,553(7,588)(7,589)
368
753
101
(486)
(1,743)42,775
20,223
19,778
2,773

6,367
1,980
(2,499)
1,398
7,468
4,388
(7,264)(1,728)
1,231(6,767)(6,941)
13,631(770)
166
14,235
11,329(3,573)(2,392)(1,095)(86)(8,399)

1,540

9,939

5,321
(13,721)

10,874(9,333)

5,553
4,388

－

－

－

(8,399)

1,540

9,939

20,597(1,711)
571

6,416
2,334
2,979

(14,181)
4,045
2,408

－

－

－

(22)

29

51

(12)

(28)

(16)

543
1,965
261
18,40318,449
36
9
482

501
501
355
8,942
9,348
0
405
(191)

(42)
(1,464)94(9,461)(9,101)
(36)
396
(673)

Ordinary income
Net extraordinary income (losses)

12,197

7,957(4,240)1,730(2,183)(3,913)

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

13,9285,774(8,154)

6,021
(297)
6,318

60
(40)
100

(5,961)257(6,218)

7,906

5,713

(2,193)(1,711)

2,334

4,045

46

Net income

47

Net credit costs (-)

①+②

―

2

―

(b)-(a)(Reference) Structure of profits (For the Fiscal year ended Mar. 31, 2019)【Gross profit】［1］Gross profit ¥ 44.3 billion

Interest income¥49.8 billion
Interest on loans and bills discounted, interest anddividends on securities, etc.

Interest expenses¥5.0 billion－［3］Net interest income

Interest on deposits, interest on bonds, etc.

＝

¥44.7 billion＋

Fees and commissions¥16.4 billion
Fees and commissions income of investment
trusts, bank transfer fee, ATMs.

Fees and commissions payments¥8.8 billion－

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

［4］＝¥7.6 billion＋

Other operating income¥3.6 billion
Gains related to bonds, gains on foreign exchangetransactions, etc.

Other operating expenses¥11.7 billion－

Losses related to bonds, etc.

［5］Net other operating income＝(¥8.0 billion)【Banking profit (before provision for general reserve for possible loan losses), Core banking profit, Banking profit】［17］Expenses⇒［21］Banking profit (before provision forgeneral reserve for possible loan losses)(¥1.5 billion)¥42.7 billion

Personnel, non-personnel, taxes[1]－[17][23]［1］Gross profit¥44.3 billion⇒⇒

Net gains (losses) on debt
securities(¥9.3 billion)［22］Core banking profit¥10.8 billion［1]－[17]－[23]［24］Provision for general reserve forpossible loan losses¥ - billion［25］Banking profit¥1.5 billion[1]－[17]－[24]【Ordinary income】
Non-recurring income¥11.4 billion＋

Gains on sales of equity securities＝［25］Banking profit

Non-recurring expenses¥1.5 billion－［40］Ordinary income¥7.9 billion¥4.9 billion
Disposal of non-performing loans, losses related
to stocks, severance payment【Net income】＋［40］Ordinary income¥7.9 billion－－［41］Net extraordinary income (losses)(¥2.1 billion)
Impairment of non-current assets, etc.

［44］Income taxes-current(¥0 billion)［45］Income taxes-deferred¥0.1 billion

―

3

―

［46］Net income¥5.7 billion

2. Information on Main Accounts
The Senshu Ikeda Bank 【Non-consolidated】(1) Loans and Bills Discounted① Breakdown of loan balance

2,064,282
1,746,889
1,710,333
36,556
3,811,171
53,864As of Mar.
31, 2018(a)2,131,506
1,776,527
1,731,354
45,172
3,908,034
42,376(Millions of yen)
As of Mar.
31, 2019(b)(b)-(a)2,115,162(16,344)
1,811,194
34,667
1,758,960
27,60652,234
7,062
3,926,357
18,32325,334(17,042)

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

445,988
1,456,643
168,086
64,946
1,772,370
3,908,034

403,358
1,509,319
142,060
65,007
1,806,612
3,926,357(42,630)
52,676(26,026)
61
34,242
18,323

3,638,361

3,732,105

3,816,475

3,871,096

54,621

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

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

1,936,964
1,743,166
1,716,611
26,5543,680,130
60,3482,042,644
1,730,397
1,701,561
28,835
3,773,041
62,1002,076,488
1,746,889
1,710,333
36,556
3,823,377
53,864As of Mar.
31, 2018(a)2,137,204
1,776,527
1,731,354
45,172
3,913,732
42,376465,198
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

445,988
1,462,254
168,086
64,946
1,772,457
3,913,732

403,358
1,513,163
142,060
65,007
1,806,612
3,930,201(42,630)
50,909(26,026)
61
34,155
16,469Average Balance

3,611,413

3,661,043

3,748,696

3,827,172

3,875,406

48,234As of Mar.
31, 2018(a)3,229,013
82.62(Millions of yen, %)As of Mar.
31, 2019(b)(b)-(a)3,315,931
86,91884.45
1.83

As of Mar.
31, 2018(a)3,234,711
82.65(Millions of yen, %)As of Mar.
31, 2019(b)(b)-(a)3,319,775
85,06484.46
1.81

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

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

1,912,885
1,743,166
1,716,611
26,554
3,656,051
60,3482,021,670
1,730,397
1,701,561
28,8353,752,067
62,100465,198
1,167,700
227,548
49,977
1,745,624
3,656,051

Average Balance

3,582,906

Including business rehabilitation subsidiaries②(Millions of yen)
As of Mar.
31, 2019(b)(b)-(a)2,119,006(18,198)
1,811,194
34,667
1,758,960
27,60652,234
7,062
3,930,201
16,46925,334(17,042)

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

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

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

2,913,325
79.68

2,990,733
79.70

3,094,320
81.19

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

2,937,404
79.81

3,011,706
79.82

3,106,525
81.25

Including business rehabilitation subsidiaries

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

―

4

―

(2) Deposits(Millions of yen)
As of Mar.
31, 2015
Individual
Online branch
Corporation
General corporation

As of Mar.
31, 2016

As of Mar.
31, 2017(a)

As of Mar.
31, 2019(b)

As of Mar.
31, 2018(b)-(a)3,744,025

3,726,769

3,783,872

3,825,365

3,842,757

17,392

83,58367,96067,82755,06940,289(14,780)

1,028,510

1,050,926

1,064,425

1,128,618

1,147,658

19,040850,231911,572

979,458

1,008,221

1,030,228

22,007

Financial institutions

28,145

10,056

15,612

5,868

5,982

114

Governmental funds

150,133

129,297

69,354

114,528

111,447(3,081)

4,772,536

4,777,696

4,848,297

4,953,983

4,990,415

36,432

49,214

18,862

15,472

17,936

14,567(3,369)4,646,813

4,741,066

4,787,905

4,881,023

4,924,518

43,495

Total
Foreign currency deposits
Average Balance(3) Assets under Management①

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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019
(a)

(b)

The Senshu Ikeda Bank

231,584

168,343

137,361

172,159

165,069(b)-(a)(7,090)Investment trusts

151,41387,44585,02799,652

81,567(18,085)

Public bonds

2,937

1,066

766

599

892

293

Life insurance

77,234

79,831

51,56871,906

82,60910,703Senshu Ikeda Tokai Tokyo Securities

46,533

48,102

46,21168,01546,805(21,210)

Total

278,117

216,445

183,572

240,175

211,874(28,301)

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)②

Balance of assets under management (individual)(Millions of yen)
As of Mar.
31, 2015

Deposits

As of Mar.
31, 2016(b)-(a)3,744,025

3,726,769

3,783,872

3,825,365

3,842,757

17,392

Investment trusts

194,394

183,895

190,619

174,148

177,4453,297Life insurance

489,826

501,062

508,016

512,755

539,046

26,291

Public bonds

23,71017,752

12,821

10,931

10,293(638)

Senshu Ikeda Tokai Tokyo Securities

61,34972,632

93,416104,940

102,777(2,163)

Total

4,513,306

4,502,112

4,588,746

4,628,140

4,672,319

44,179As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018

As of Mar.
31, 2019(b)(Reference) Balance of assets under management(Millions of yen)
As of Mar.
31, 2015(a)(b)-(a)The Senshu Ikeda Bank

237,827

216,205

215,356

195,442

197,691

2,249

Investment trusts

204,260

192,067

198,407

181,228

184,405

3,177

Public bonds

33,56624,138

16,94914,214

13,286(928)

Senshu Ikeda Tokai Tokyo Securities

68,34681,701

105,805

119,958

119,713

(245)

Total

306,173

297,907

321,162

315,401

317,405

2,004

―

5

―

(4) Securities①

Breakdown of security balance(Millions of yen)
As of Mar.
31, 2019(b)

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018

1,163,549

1,051,825

954,214760,428

629,846(130,582)

Government bonds

164,153

76,25962,05072,13564,115(8,020)Local government bonds

51,25649,33832,26939,46260,11820,656

Corporate bonds

273,480

277,505

237,668

245,227

256,712

11,485

Authority bonds

197,171

205,420

184,463

180,272

181,769

1,497

9,384

15,429

7,419

－

－

－

(a)
Securities

Bank debenture bonds(b)-(a)General corporate bonds

66,92456,65645,78564,95574,943

9,988

Stocks101,658

90,783

94,34073,56548,356(25,209)

Other securities

572,999557,938

527,885

330,037

200,544(129,493)

Foreign securities

269,125

249,540

291,884

140,838

91,847(48,991)

Euroyen bonds

38,99327,00022,00011,0001,000(10,000)

Dollar-dominated bonds

230,125

172,052

220,649

85,89949,566(36,333)－

50,482

49,22943,933

41,275(2,658)REIT

31,04034,02731,30432,31337,7755,462

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

267,719

267,881

196,497

149,125

61,901(87,224)

16,980

161

－

－

－

－

5,115

6,487

8,199

7,758

9,019

1,261

1,319,019

1,066,378

1,034,835

830,610

753,944(76,666)

Euro-dominated bonds

Average Balance②

Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)Held-to-maturity debt securities
Available-for-sale securities

590

465

271

68

As of Mar.
31, 2019(b)5(b)-(a)(63)

27,69528,73014,827

10,643

11,529886

Stocks31,19828,33636,06022,396

10,955(11,441)

Bonds

1,125

2,396

743

325

1,073

748

Government bonds

35

109

38

145

156

11

Local government bonds

161

188

140

55

50

(5)

Corporate bonds

929

2,098

564

124

867

743

(4,628)(2,001)(21,977)(12,079)(500)

11,579

(734)

2,165

(16,226)(3,424)

(233)

3,191

Other securities
Foreign securities
Euroyen bonds
Dollar-dominated bonds

(6)

－

－

－

－

－

(727)

1,465

(13,174)(2,630)(1,265)

1,365

－

700

(3,052)

(793)

1,032

1,825

REIT

2,414

3,514

2,886

869

3,308

2,439

Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership(6,515)(7,770)(8,632)(9,526)(3,608)

5,918(7,017)

(62)

－

－

－

－

206

88

(4)

1

33

32

Euro-dominated bonds

―

6

―

3. Interest Margins
The Senshu Ikeda Bank 【Non-consolidated】① 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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019(a)(b)
Average yield on interest
earning assets
Average yield on loans
and bills discounted
Average yield on securities
Average yield on interest
bearing liabilities
Average yield on
deposits and negotiable(including expenses)
Average yield on
deposits and negotiable
Expense ratio

(A)

1.30

1.28

1.18

1.12

1.07

(0.05)

(B)

1.33

1.24

1.14

1.08

1.05

(0.03)

1.28

1.48

1.35

1.33

1.18

(0.15)

(C)

1.05

1.03

1.02

0.98

0.91

(0.07)

(D)

1.09

1.04

1.03

0.99

0.90

(0.09)

0.12

0.09

0.06

0.05

0.03

(0.02)

0.97

0.95

0.96

0.94

0.86

(0.08)

0.49

0.53

0.35

0.23

0.22

(0.01)

0.25

0.25

0.16

0.14

0.16

0.02

0.24

0.20

0.11

0.09

0.15

0.06

Average yield on external liabilities
Average interest rate spread (A)-(C)Difference between average yieldon loans and deposits (B) - (D)②(b)-(a)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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019(a)(b)

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

(A)

1.26

1.25

1.13

1.08

1.02

(0.06)

(B)

1.34

1.25

1.13

1.07

1.03

(0.04)

1.13

1.40

1.23

1.23

1.00

(0.23)

(C)

1.06

1.00

0.97

0.92

0.83

(0.09)

(D)

1.05

1.00

0.98

0.95

0.86

(0.09)

0.11

0.09

0.06

0.05

0.03

(0.02)

0.93

0.90

0.91

0.90

0.82

(0.08)

0.54

0.56

0.17

0.03

(0.01)(0.04)

0.20

0.25

0.16

0.16

0.19

0.03

0.29

0.25

0.15

0.12

0.17

0.05

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

4. Banking Profit
The Senshu Ikeda Bank 【Non-consolidated】(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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019(a)(b)(b)-(a)(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 )15,234

12,162

14,421(8,399)

1,540

9,939

5,850
17,974
6,902
15,234

4,784
18,481
7,270
12,110

5,686
9,109
3,592
12,313(3,213)
5,321
2,035(8,399)593
10,874
4,190
1,540

3,806
5,553
2,155
9,939

5,850

4,763

4,855

(3,213)

593

3,806

―

7

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5. ROE(1) Senshu Ikeda Holdings 【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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019(a)(b)
Shareholders’ equity ROE(Income before income taxes basis)
Shareholders’ equity ROE(Profit attributable to owners of the parent basis)(b)-(a)

11.91

10.31

8.86

6.75

3.25

(3.50)

9.15

7.74

5.31

3.56

2.66

(0.90)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(%)
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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019
(a)
(b)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent basis)(b)-(a)

11.10

9.21

8.24

6.49

3.12

(3.37)

8.52

6.92

4.94

3.42

2.55

(0.87)(2) 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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019(a)(b)(b)-(a)Banking profit (before provision forgeneral reserve for possible loan losses) basis

8.07

5.54

6.27

(3.71)

0.69

4.40

Banking profit basis
Core banking profit basis

8.07
9.53

5.52
8.42

5.35
3.96

(3.71)
2.35

0.69
4.93

4.40
2.58

Net income basis

7.97

6.57

4.57

3.49

2.59

(0.90)

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

29
2,498

30
2,456

31
2,454

As of Mar.
31, 2018
(a)
35
2,517

6. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank 【Non-consolidated】① Employees and Officers

Directors and auditors
Employees

Total
2,527
2,486
2,485
2,552
Note: “Directors and auditors” includes executive officers.
“Employees” excludes employees temporarily seconded to other companies and temporary staff.
②(Number of people)
As of Mar.
31, 2019(b)(b)-(a)
31
(4)
2,480
(37)
2,511

(41)

Branches(Number of branches)
As of Mar.
31, 2019(b)(b)-(a)136－
6
1

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

Branches
Sub-branches

134
5

134
5

136
5

As of Mar.
31, 2018
(a)
136
5

Total

139

139

141

141

142

1

(Reference) ATMs
218
225
228
229
Note: Teller services of Flower-town sub-branch were integrated into Sanda branch on May 13, 2019.
Nishi-muko sub-branch will be relocated to Mukonoso branch on June 3, 2019.

213

(16)

―

8

―

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

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

Gains (losses) on equity securities
Gain on sales
Loss on sales (-)
Loss on write-down (-)(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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019(a)(b)(b)-(a)5,312
4,388(2,740)(6,318)(13,721)(9,333)
9,582
5,312
9,191
3,511
2,384
(1,127)－
12,323－
11,631－
3,879－
17,169－11,717

－
－

－
－

－
－

－
－

－

－

－

－
－
63

－
(5,452)
－
－

－

(63)

(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, 2015 Mar. 31, 2016 Mar. 31, 2017 Mar. 31, 2018 Mar. 31, 2019(a)(b)(b)-(a)
3,352
7,228
5,102
18,403
8,942(9,461)
3,816
7,628
5,131
18,4499,348(9,101)
426
358
20
36
0
(36)
37
41
8
9
405
396

―

9

―

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

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

(Millions of yen)
As
of
Mar.
As of Mar.
31, 2019
31, 2018(Preliminary figures)(a)(b)(b)-(a)11.43
9.49(1.94)
250,612
216,621(33,991)
263,121233,122(29,999)

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

10.09
268,401
275,747

10.59
288,687
297,30910.59
261,985
273,397

153,292

208,220

215,696219,278

220,590

1,312

14,711

13,893

9,960

5,010

8,565

3,555

40,00015,00015,00015,000－(15,000)

65,22457,97729,29020,960－(20,960)

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

11,412
2,473,114
98,924

12,5092,192,207
87,68816,501
2,281,057
91,242

3,992
88,8503,554(2) The Senshu Ikeda Bank (domestic standard)① Consolidated

Total capital ratio (%)
Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
capital raising instruments
Deduction (B)Risk weighted assets (C)Required capital (C ×4%)②

(Millions of yen)
As
of
Mar.
As of Mar.
31, 2019
31, 2018(Preliminary figures)(a)(b)(b)-(a)11.25
9.29(1.96)
246,363
211,765(34,598)
258,712228,193(30,519)

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

10.51
280,062
286,016

11.10
302,595
310,379

10.48
259,054
270,115

187,216

222,020

228,852

231,562

217,362(14,200)

14,711

13,893

9,960

5,010

8,565

3,555

－

－

－

－

－

－

82,79673,59729,29020,960－(20,960)

5,953
2,664,117
106,564

7,784
2,725,680
109,027

11,0602,470,055
98,802

12,3482,188,720
87,54816,4282,278,127
91,125

4,080
89,407
3,577

Non-consolidated
As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017(Millions of yen)
As
of
Mar.
As of Mar.
31, 2019
31, 2018(Preliminary figures)(a)(b)(b)-(a)10.54
8.63(1.91)
229,105
194,927(34,178)
239,265
208,046(31,219)

Total capital ratio (%)
9.27
9.90
9.77
Total capital(A)-(B)244,865
267,748
236,411Core capital (A)250,192
275,348245,771
Common stock,
177,751
210,303215,213217,520
202,627(14,893)
internal reserves, etc.
Reserve
5,402
5,455
3,557
1,745
5,419
3,674
Qualified previous
noncumulative perpetual
－
－
－
－
－
－
preferred stock
Qualified previous
67,03959,59027,00020,000(20,000)－
capital raising instruments
Deduction (B)
5,327
7,599
9,359
10,15913,1182,959
Risk weighted assets (C)2,639,343
2,704,408
2,418,518
2,173,444
2,256,363
82,919Required capital (C ×4%)
105,573
108,176
96,74086,937
90,254
3,317(Note) We have calculated risk-weighted assets according to the Foundation Internal Ratings-Based Approach as of Mar. 31, 2017. Until
Mar. 31, 2016, we used the Standard Approach.

―

10

―

Ⅱ Overview of Loans and Bills Discounted
1. Risk Monitored Loans
The Senshu Ikeda Bank
① Non-consolidated
As of Mar.
31, 2015(Millions of yen)
As of Mar.
31, 2019(b)(b)-(a)790
103
24,934(1,710)
111
111
4,732
(2,234)30,569(3,729)As of Mar.
31, 2016

As of Mar.
31, 2017
916
31,457－
11,192
55,9881,750
39,801
5
10,59952,156

As of Mar.
31, 2018(a)
687
26,644－
10,49542,868－
6,966
34,29814,43644,835

10,884
21,785

9,922
20,953

10,74718,048

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

3,656,051

3,752,067

3,811,171

As of Mar.
31, 2018(a)3,908,034(Millions of yen)
As of Mar.
31, 2019(b)(b)-(a)3,926,357
18,323As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018
(a)
0.01
0.68
－
0.17
0.87

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

As of Mar.
31, 2019(b)
790
28,635111
4,875
34,413(b)-(a)103(3,337)111(2,334)(5,456)(41)
1,940

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

Loans and bills discounted

2,494
42,30010,70620,005

(41)
1,957

(%)

Loans to bankrupt borrowers
Delinquent loans

0.06
1.15
－
0.30
1.53

Loans past due three months or more

Restructured loans
Total

0.04
1.06
0.00
0.28
1.39

0.02
0.82
－
0.27
1.12

As of Mar.
31, 2016

As of Mar.
31, 2017(b)-(a)0.01(0.05)
0.00(0.05)(0.10)(Reference)
Including business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2015
2,636
53,151－
13,53869,326

1,750
49,081
5
12,834
63,671916
42,314－
10,75553,985

As of Mar.
31, 2018(a)
687
31,972－
7,209
39,86917,29745,394

10,92822,544

9,922
25,251

10,747
18,101

10,706
20,041

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

3,680,130

3,773,041

3,823,377

As of Mar.
31, 2018(a)3,913,732

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

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

Loans to bankrupt borrowers
Delinquent loans

0.07
1.44

0.02
1.10

Loans past due three months or more

－
0.36
1.88

0.04
1.30
0.00
0.34
1.68

As of Mar.
31, 2018
(a)
0.01
0.81

－
0.28
1.41

－
0.18
1.01

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

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

Loans and bills discounted(b)-(a)16,469(%)

Restructured loans
Total

―

11

―

(b)-(a)0.01(0.09)
0.00(0.06)(0.14)

②

Consolidated(Millions of yen)
As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)(b)-(a)Loans to bankrupt borrowers

3,522

2,628

1,621

1,380

1,387

7

Delinquent loans

54,19550,25243,09932,71529,295(3,420)

－

5

－

－

111

111

Restructured loans

13,538

12,834

10,755

7,209

4,875

(2,334)

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

71,25565,721

55,476

41,30635,670(5,636)

18,266
46,747

12,00623,782

10,73726,313

11,591
19,53911,55820,689(33)
1,150

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)

Loans past due three months or more

(Millions of yen)

Loans and bills discounted(b)-(a)15,681

3,672,521

3,765,182

3,813,333

3,897,405

3,913,086

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)

Loans to bankrupt borrowers

0.09

0.06

0.04

0.03

0.03

0.00

Delinquent loans

1.47

1.33

1.13

0.83

0.74

(0.09)

－

0.00

－

－

0.00

0.00

Restructured loans

0.36

0.34

0.28

0.18

0.12

(0.06)

Total

1.94

1.74

1.45

1.05

0.91

(0.14)(%)

Loans past due three months or more

(Notes)(b)-(a)1. Risk monitored loans are calculated in accordance with Ordinance for Enforcement of the Banking Act, and it should
be noted that the disclosed amount of risk-monitored loans does not represent irrecoverable amounts as such loans aredisclosed regardless of its securitization by collaterals and guarantees.
2. Loans to bankrupt borrowers:
Loans to bankrupt borrowers represent non-accrual loans to borrowers who are legally bankrupt as defined in Articles
96-1-3 and 96-1-4 of the Order for Enforcement of the Corporation Tax Act (the “Tax Act”).
3. Delinquent loans:
Delinquent loans represent non-accrual loans other than (i) loans to bankrupt borrowers and (ii) loans on which interest
payments have been suspended in order to assist or facilitate the restructuring of borrowers who are experiencing
financial difficulties.
4. Loans past due three months or more:
Loans past due for three months or more represent loans on which the payment of principal and/or interest has not been
received for three months or more from the due date, and which are not classified as “loans to bankrupt borrowers” or“delinquent loans.”
5. Restructured loans:
Restructured loans are loans which have been restructured to support the rehabilitation of borrowers who areencountering financial difficulties, with the intention of ensuring the recovery of the loans by providing more flexible
repayment terms for the borrowers (such as reducing the rate of interest or suspending the payment of principal/interest,etc.) or loans which are not classified in any of the above categories.

―

12

―

2. Reserve for Possible Loan Losses
The Senshu Ikeda Bank①

Non-consolidated(Millions of yen)
As of Mar.
31, 2015

Reserve for possible loan losses

As of Mar.
31, 2016

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)(b)-(a)16,232

12,188

9,308

8,587

(721)

5,402

5,455

7,562

6,420

3,956

(2,464)

10,796

10,777

4,625

2,888

4,631

1,743

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)

26,232

25,742

17,993

11,44910,836(613)

General reserve for possible loan losses

10,507

10,416

7,654

6,463

3,988

(2,475)Specific reserve for possible loan losses

15,725

15,325

10,338

4,985

6,848

1,863

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)

General reserve for possible loan losses
Specific reserve for possible loan losses

16,198

As of Mar.
31, 2017(Reference)
Including business rehabilitation subsidiaries(Millions of yen)

Reserve for possible loan losses②(b)-(a)Consolidated(Millions of yen)

Reserve for possible loan losses(b)-(a)31,90730,483

21,883

14,873

13,965(908)

General reserve for possible loan losses

14,711

13,893

10,525

8,933

6,065

(2,868)Specific reserve for possible loan losses

17,196

16,58911,358

5,940

7,900

1,960

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019
(b)

28.93

31.12

28.43

27.13

28.09

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)

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

Non-Consolidated(%)

Reserve ratios(b)-(a)0.96(Reference)
Including business rehabilitation subsidiaries(%)

Reserve ratios
②

37.83

40.42

33.32

28.71

31.49

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019
(b)

36.00

39.15

(b)-(a)2.78

Consolidated(%)

Reserve ratios
44.77
46.38
39.44
(Note) Reserve Ratios = Reserve for possible loan losses / Risk monitored loans

―

13

―

(b)-(a)3.15

4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen, %)As of Mar.
31, 2019(b)(b)-(a)As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)Bankruptcy and quasi-bankrupt credit

6,437

4,648

3,016

2,755

4,509

1,754

Doubtful credit

38,67637,14929,54024,663

21,314(3,349)Substandard credit

11,192

10,604

10,495

6,966

4,843

(2,123)

Subtotal (A)56,30652,40343,052

34,38430,668(3,716)

Normal credit

3,623,475

3,720,083

3,787,777

3,891,198

3,923,411

32,213

Total (B)3,679,782

3,772,486

3,830,830

3,925,583

3,954,079

28,496

1.53

1.38

1.12

0.87

0.77

(0.10)

59,61432,87931,11029,01330,816

1,803

As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)Bankruptcy and quasi-bankrupt credit

7,136

4,845

3,469

2,926

5,156

2,230

Doubtful credit

48,96946,23339,94429,81924,368(5,451)Substandard credit

13,538

12,84010,755

7,209

4,987

(2,222)

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2019(b)(b)-(a)Subtotal (A)69,644

63,91854,17039,956

34,512(5,444)

Normal credit

3,634,217

3,729,542

3,788,865

3,891,325

3,923,411

32,086

Total (B)

3,703,861

3,793,461

3,843,035

3,931,281

3,957,923

26,642

1.88

1.68

1.40

1.01

0.87

(0.14)

63,03533,68335,40829,06530,852

1,787

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

―

14

―

5. Status of Coverage of Credits disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank 【Non-Consolidated】(Millions of yen, %)As of Mar.
31, 2019(b)(b)-(a)As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

50,84247,09838,04029,353

27,976(1,377)

Collateral and guarantees

37,59133,43330,08024,034

22,281(1,753)

Reserve for possible loan losses

13,25013,664

7,959

5,319

5,694

375

90.29

89.87

88.35

85.36

91.22

5.86

Coverage amount (C)Coverage ratio (C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2019)(Millions of yen, %)Coverage amount

Bankruptcy and quasi-bankrupt credit

4,509

4,509

3,657

Reserve forpossible loan
losses851

Doubtful credit

21,314

19,69816,168

3,529

92.41

Substandard credit

4,843

3,768

2,455

1,313

77.80

30,66827,97622,281

5,694

91.22

Credit amount

Total

Collateral andguarantees

Coverage ratio

100.00(Reference)
Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2019(b)(b)-(a)As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

60,96856,08847,87833,742

31,417(2,325)Collateral and guarantees

42,08137,30034,17826,284

23,473(2,811)

Reserve for possible loan losses

18,887

18,78813,700

7,458

7,943

485

87.54

87.74

88.38

84.44

91.03

6.59

Coverage amount (C)Coverage ratio (C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2019)(Millions of yen, %)Coverage amount

Bankruptcy and quasi-bankrupt credit

5,156

5,156

3,864

Reserve forpossible loan
losses
1,292

Doubtful credit

24,36822,408

17,101

5,306

91.95

Credit amount

Substandard credit
Total

Collateral andguarantees

Coverage ratio

100.00

4,987

3,852

2,507

1,345

77.25

34,512

31,41723,473

7,943

91.03

―

15

―

6. Classification of Loans by Industry
The Senshu Ikeda Bank 【Non-consolidated】(1) Loan and Bills Discounted(Millions of yen)
As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)(b)-(a)Domestic(excluding JOM account)

3,656,051

3,752,067

3,811,171

3,908,034

3,926,357

18,323

Manufacturing341,673

347,553

342,635

332,527

310,209(22,318)

Agriculture and forestry

961

846

760

625

861

236

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

93

140

42

40

59

19

220

193

304

216

268

52

80,89086,297

91,274

98,153

105,179

7,026

14,75915,378

16,22817,09819,3502,252

15,281

13,593

13,356

13,24813,130(118)

Transportation and postal activities

82,569100,739

106,691

107,564

108,964

1,400

Wholesale and retail trade248,249

257,357

268,656

291,867

288,142(3,725)

Finance and insurance activities

168,865

177,937

174,496

172,923

159,920(13,003)

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

511,234

537,087

570,921628,298

647,201

18,903

10,48011,951

13,114

15,635

14,855(780)

21,97324,875

26,79330,86532,9392,074

12,598

14,466

15,21915,72818,257

2,529

7,580

8,355

9,917

9,695

8,972

(723)

45,41650,24068,98576,66391,357

14,694

Other services

69,04775,23983,666

87,60388,304701

Local governments

227,548

219,574

186,091

168,086

142,060(26,026)

1,796,602

1,810,234

1,822,015

1,841,189

1,876,315

35,126

Others―16―

(2) Risk Monitored Loans(Millions of yen)
As of Mar.
31, 2015

As of Mar.
31, 2016

As of Mar.
31, 2017

As of Mar.
31, 2018(a)

As of Mar.
31, 2019(b)(b)-(a)Domestic(excluding JOM account)

55,98852,15642,86834,29830,569(3,729)Manufacturing

15,90814,887

7,862

5,270

3,808

(1,462)Agriculture and forestry

448

441

438

435

432

(3)

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

－

－

－

－

－

－

－

－

－

－

－

－

5,992

4,943

4,547

4,065

3,657

(408)

214

209

150

166

164

(2)

114

243

324

130

277

147

Transportation and postal activities

628

707

362

410

411

1

5,064

4,678

5,116

5,100

4,775

(325)

Finance and insurance activities

888

766

636

613

70

(543)

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

13,92813,021

12,506

8,451

8,745

294

348

316

294

570

289

(281)

729

630

728

569

755

186

542

395

339

178

177

(1)

9

8

21

20

－

(20)

608

879

862

463

377

(86)

Other services

1,503

1,479

1,588

1,749

1,494

(255)

－

－

－

－

－

－

9,057

8,548

7,087

6,102

5,132

(970)

Wholesale and retail trade

Local governments
Others―17―

7. Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank 【Non-consolidated】(As of Mar. 31, 2019)(Billions of yen, %)Borrower classification underself-assessment guidelines(Credit exposures)
Credit-related loans including loans andbills discounted
Classification
Outstanding Categoryloans
ⅠCategory
CategoryⅡ

Bankrupt
0.6

2.3

－

(0.0)

(－)

－

－

(0.3)

(0.4)

0.8

16.1
(3.5)

Classification

Outstandingbalance ofloans

Loans tobankrupt
borrowers

0.7

Delinquent
loans

24.9

100.00

3.5

92.41

21.3

Substandard
2.4
0.0

Risk monitored loans

Doubtful

4.8

1.3

77.80

4.8

Loans past due
three months or
more
Restructured
loans

0.1
4.7

Subtotal
（Ａ）
22.2

5.6

91.22

Total（Ｃ）

30.5

30.6
42.9

65.2

108.1

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofNormalthe Financial Revitalization Law

Normal

3,923.4 to total credit（Ａ）/（Ｂ）= 0.77%

3,815.1
3,815.1

Total
3,874.5
3,954.0(Notes)

3.6

6.2

4.9

Other
borrowers
requiring
cautionBankruptcy
andquasi-bankrupt

4.5

1.6
13.4

21.3

Requiring
specialcaution

－

1.3

3.6

Potentiallybankrupt

Category
Ⅳ

0.1

0.8

Effectively
bankrupt

Category
Ⅲ

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

1.6

－

Total（Ｂ）

(3.9)

(0.4)

3,954.0

Ratio of risk managed loans tototal loans（Ｃ）/（Ｄ）= 0.77%

Loans and bills
discounted（Ｄ）

77.8

3,926.3

1. Japanese yen amounts are rounded down to the nearest 100 million yen.
2. Credit-related loans including loans and bills discounted represents loans and bills discounted; Foreign exchanges;
Accrued income and suspense payment account under Other assets; and Customers’ liabilities for acceptances andguarantees in the Balance Sheet; as the securities loaned (limited for use agreements or lease contracts), which arerequired to be stated in a note to the Balance Sheet.
3. The figures in the parentheses under Borrower classification under self-assessment guidelines represent reserved
amounts for classified loans.
CategoryⅠ:

Claims secured by reserve for possible loan losses, superior guarantee reserved by Credit
Guarantee Corporation.

Category Ⅱ:

Claims secured by general collateral or guarantee such as mortgage collateral.

Categories Ⅲ and Ⅳ: All or part of claims are secured, and claims already secured are posted as Category Ⅰ.
4.“( )” in “Borrower classification under self-assessment guidelines (Credit exposures)” represent reserved amounts forclassified loans.

―

18

―

Ⅲ FY2019 Financial Forecasts(1) Senshu Ikeda Holdings① Financial forecasts【Consolidated】(Millions of yen)
For the six For the fiscal For the six
months ended year ended months ending
Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(Result)(Result)(Forecast)
(a)
(b)
(c)

For the fiscal
year ending
Mar. 31, 2020
(Forecast)(d)(c)-(a)(d)-(b)Ordinary revenue

48,06397,30343,000(5,063)85,000(12,303)

Ordinary income
Profit attributable to owners of theparent

4,329

9,698

2,500

(1,829)5,000(4,698)

2,981

6,139

2,000

(981)

4,000

(2,139)【Non-consolidated】(Millions of yen)
For the six For the fiscal For the six
months ended year ended months ending
Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(Result)(Result)(Forecast)
(a)
(b)
(c)

For the fiscal
year ending
Mar. 31, 2020
(Forecast)(d)(c)-(a)(d)-(b)Operating revenue

3,216

6,334

3,000

(216)

4,700

(1,634)

Operating income

2,793

5,223

2,500

(293)

4,000

(1,223)

Ordinary income

2,813

5,262

2,500

(313)

4,000

(1,262)

Net income

2,828

5,365

2,500

(328)

4,000

(1,365)②

Cash dividends（yen）
For the six months
For the fiscal year
ended Sep. 30, 2018 ended Mar. 31, 2019
(Result)(Projection)

Common stock

7.50

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

15.00

3.75

7.50

Third-class preferred stock
35.00
First series of seventh-class
15.00
30.00
15.00
30.00
preferred stock(Note) We don’t record cash dividends of third-class preferred stock for the fiscal year ended Mar. 31, 2019 (Projection), and ending
Mar. 31, 2020 (Forecast) due to retirement of the preferred stock on Mar. 28, 2019.
③

Capital ratio(%)

Capital ratio (Consolidated)④

As of Sep. 30, 2018

As of Mar. 31, 2019

As of Sep. 30, 2019

As of Mar. 31, 2020

(Result)(Preliminary figures)(Forecast)(Forecast)

10.76

9.49

Half of 9

Half of 9

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

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

(Result)(Result)(Forecast)
Shareholders’ equity ROE
3.60
3.25
Around 2(Income before income taxes basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

―

19

―

(Forecast)
Around 2

(2) The Senshu Ikeda Bank①

Financial forecasts【Non-consolidated】(Millions of yen)
For the fiscal
year ending
Mar. 31, 2020
(Forecast)(d)

For the six For the fiscal For the six
months ended year ended months ending
Sep. 30, 2018 Mar. 31, 2019 Sep. 30, 2019
(Result)(Result)(Forecast)
(a)

(b)

(c)

Ordinary revenue

40,58881,31535,000(5,588)70,000(11,315)

Ordinary income

3,782

7,957

2,000

(1,782)

3,500(4,457)

Net income

3,620

5,713

2,000

(1,620)3,500(2,213)

Banking profit
Banking profit (before reversal of(provision for) general reserve forpossible loan losses)
Core banking profit

2,324

1,540

2,500

176

5,500

3,960

2,324

1,540

2,500

176

5,500

3,960

5,621

10,8743,500(2,121)8,000(2,874)

Net credit costs ( - )

1,093

2,334

1,000

(93)

2,000

(334)

②

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

Capital ratio(%)
As of Sep. 30, 2018

As of Mar. 31, 2019

As of Sep. 30, 2019

As of Mar. 31, 2020

(Result)(Preliminary figures)(Forecast)(Forecast)

Capital ratio (Consolidated)

10.55

9.29

First half of 9First half of 9

Capital ratio (Non-consolidated)

9.94

8.63

Half of 8

Half of 8―20―