Financial Results for the Third Quarter of the Fiscal Year ending March 31, 2020
(Consolidated Data)
January 31, 2020
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

President and Representative Director:

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

Atsushi Ukawa
Osamu Tsukagoshi, Executive Officer, General Manager of the

For inquiries:

Corporate Planning and General Affairs Division
Telephone: +81-6-4802-0013

Scheduled date for filing quarterly securities reportFebruary 7, 2020

Scheduled date to commence dividend payments:

None

Segregated trading accounts:

None

Supplementary material on quarterly financial results:

Yes

Quarterly financial results presentation meeting:

None(Japanese yen amounts of less than 1 million and first decimal place have been rounded down)
1. Financial Results for the Third Quarter of the Fiscal Year ending March 31, 20202019)(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
Nine months ended
December 31, 2019
Nine months ended
December 31, 2018
(Note) Comprehensive income:Nine months ended
December 31, 2019
Nine months ended
December 31, 2018

(April 1, 2019 － December 31,%

65,548

(2.8)

4,131

(24.1)

3,501

(7.2)

67,462(19.2)

5,450(48.3)

3,775(45.9)

Nine months ended December 31, 2019:

8,699million yen[269.0％]Nine months ended December 31, 2018:

2,357million yen[ (85.0％) ]Net income
per share

Diluted earnings
per share

Yen

Yen
11.16

10.48

11.27

10.56

(2) Consolidated Financial Position
Total assets

Total net assets

Equity ratio

Million yen

Million yen%

As of December 31, 2019

5,489,418

242,284

4.3

As of March 31, 20195,450,878

236,462

4.3(Reference) capital: As of December 31, 2019: 239,959 million yen; As of March 31, 2019: 234,421 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, 2019

7.50

－

7.50

－

15.00

Fiscal Year ending
3.75－－
March 31, 2020
Fiscal Year ending
March 31, 2020
3.75
7.50
(Forecasts)
Note: Revisions of the forecasts from recently announced figures: None
Please refer to “Cash Dividends for Shareholders of Classified Stock” stated hereinafter for information on classified stock(unlisted) which has different rights relation from that of common stocks.
3. Financial Forecasts for the Fiscal Year ending March 31, 2020 (April 1, 2019－March 31, 2020)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue
Million yen
Full Year
Note:

85,000%(12.6)

Ordinary income
Million yen
5,000

%

Profit attributable toowners of the parent
Million yen(48.4)Net income per share

%

4,000

Yen

(34.8)

11.60

Revisions of the forecasts from recently announced figures: None

Note(1) Changes in significant subsidiaries during the third quarter of the fiscal year ending March 31, 2020 : 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(3)(a) Changes in accounting policies due to revision of accounting standards etc. :None(b) Changes in accounting policies other than those noted in (a) above :None(c) Changes in accounting estimates :None(d) Retrospective restatements :None

Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of December 31, 2019
As of March 31, 2019(b) Number of treasury shares
As of December 31, 2019

281,008,632 shares
281,008,632 shares
276,870 shares

As of March 31, 2019(c) Average number of shares for the period under review
Nine months ended December 31, 2019

1,845,557 shares
279,947,805 shares

Nine months ended December 31, 2018278,436,613 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:(First series of seventh-class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2019

－

15.00

－

Fiscal Year ending
March 31, 2020

－

15.00

－

Fiscal Year ending
March 31, 2020
(Forecasts)

15.00

30.00

15.00

30.00

Consolidated Financial Statements(1) Consolidated Balance Sheets
As of March 31, 2019
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
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
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 December 31, 2019743,563
7,127
100
112
27,003
612,741
3,913,086
5,514
79,93940,093
5,152
13,512
8,403
8,492(13,965)
5,450,878

780,142
5,270
100
80
26,941
607,7213,922,394
5,556
79,92538,461
5,158
14,4495,851
8,300(10,936)5,489,418

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

4,986,783
38,770164,154370
45,997
746
151
4
606
176
－
848
5
217
8,300
5,247,134

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

102,999
42,10578,397(93)
223,408
14,477(138)
2,212
16,551
74
2,250
242,284
5,489,418

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

Ordinary revenue
Interest income(Unit: Millions of yen)
For the Nine months
For the Nine months
ended December 31, 2018 ended December 31, 201967,46265,54835,30632,944

Interest on loans and bills discounted

30,43829,552

Interest and dividends on securities

4,470

2,892

Fees and commissions

15,668

16,131Other ordinary income

2,601

4,663

Other income

13,887

11,809Ordinary expenses

62,011

61,417

4,035

2,229

1,420

1,131

Fees and commissions payments

4,802

5,616

Other ordinary expenses

4,705

5,651

General and administrative expenses

36,61435,828Other expenses

11,85312,090

5,450

4,131

9

363

Interest expenses
Interest on deposits

Ordinary income
Extraordinary income

9

363

101

204

Loss on disposal of non-current assets

50

18

Impairment loss

49

59

Transfer to reserve for financial products transaction liabilities

1

1

Other extraordinary loss－

125

Income before income taxes

Gain on disposal of non-current assets
Extraordinary loss

5,359

4,290

Income taxes - current

892

635

Income taxes - deferred

625

161

Total income taxes

1,518

796

Profit

3,840

3,493

64

(7)

3,775

3,501

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

Consolidated Statements of Comprehensive Income(Unit: Millions of yen)
For the Nine months
For the Nine months
ended December 31, 2018 ended December 31, 2019
Profit

3,840

3,493

Other comprehensive income(1,483)

5,205(1,696)

5,192

Net unrealized gain (loss) on deferred hedges

(7)

(2)

Remeasurements of defined benefit plans

220

15

2,357

8,699

2,292

8,706

64

(7)

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

Comprehensive income
Comprehensive income attributable to
Owners of the parent
Non-controlling interests

Selected Financial Information
For the Third Quarter of FY2019(Nine months ended December 31, 2019)

【Contents】
1

2

3

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 ・・・・・・・・・・ 1(4) Interest Margins

Non-consolidated ・・・・・・・・・・ 2(5) ROE

Consolidated

・・・・・・・・・・ 2

Information on Main Accounts(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

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated ・・・・・・・・・・ 6(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 business rehabilitation subsidiaries are stated as well.

1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings【Consolidated】(Millions of yen)
For the nine months For the nine months
ended Dec. 31, 2018 ended Dec. 31, 2019
(a)

1
2
3
4
5
6
7

Ordinary revenue
Ordinary expenses (-)
Ordinary income
Income before income taxes
Profit attributable to owners of the parent
Comprehensive income
Net credit costs (-)(b)

67,46262,011
5,450
5,359
3,775
2,357
1,843

(b)-(a)65,54861,417
4,131
4,290
3,501
8,699
2,151

(1,914)(594)(1,319)(1,069)
(274)
6,342
308

(2) The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the nine months For the nine months
ended Dec. 31, 2018 ended Dec. 31, 2019
(a)

1
2
3
4
5
6
7
8
9

(b)

(b)-(a)35,131
39,22532,505
5,733(3,107)(4,093)32,364
15,315
14,88235,471
38,51331,721
5,772(2,023)(3,042)
31,476
15,464
13,867

340
(712)
(784)
39
1,084
1,051
(888)
149
(1,015)

2,766

3,994

1,228

6,860

7,037

177

6,726

7,045

319

(4,093)(3,042)

1,051

－

－

－

15

Gross profit(Core 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 (-)
Banking profit (before provision for general reserve forpossible loan losses)
Core banking profit
Core banking profit(excluding gains (losses)
on cancellation of investment trusts)
Net gains (losses) on debt securities
Provision for general reserve for①
possible loan losses (-)
Banking profit

2,766

3,994

1,228

16
17
18

Net non-recurring gains (losses)
Credit costs (-)
Net gains (losses) on equity securities

962
1,580
2,806

(1,128)
1,771
1,255

(2,090)191(1,551)

10
11
12
13
14

②

19

Ordinary income

3,728

2,866

(862)

20

Net extraordinary income (losses)

(70)

174

244

21

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

3,658

3,041

(617)

182
(243)
425

38
56
(18)

(144)
299
(443)

3,475

3,003

(472)

1,580

1,771

191

22
23
24
25

Net income

26

Net credit costs (-)①+②(3) Senshu Ikeda Tokai Tokyo Securities 【Non-consolidated】(Millions of yen)
For the nine months For the nine months
ended Dec. 31, 2018 ended Dec. 31, 2019
(a)

1
2
3
4
5

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

(b)

2,181
1,915
266
264
176

―

1

―

(b)-(a)

2,015
1,994
20
20
7

(166)
79
(246)
(244)
(169)

(4) Interest Margins
The Senshu Ikeda Bank 【Non-consolidated】① All business(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31, 2018 Dec. 31, 2018 Mar.31, 2019 Dec. 31, 2019
(a)
(b)
(c)
Average yield on interest
earning assets
Average yield on loans andbills discounted
Average yield on securities
Average yield on interest
bearing liabilities(c)-(a)(c)-(b)

(A)

1.12

1.04

1.07

0.98

(0.06)(0.09)

(B)

1.08

1.05

1.05

1.01

(0.04)(0.04)

1.33

0.99

1.18

0.81

(0.18)(0.37)

(C)

0.98

0.91

0.91

0.85

(0.06)(0.06)

(D)

0.99

0.90

0.90

0.86

(0.04)(0.04)

0.05

0.03

0.03

0.03

0.00

0.00

0.94

0.86

0.86

0.83

(0.03)(0.03)

Average yield on external liabilities

0.23

0.23

0.22

0.13

(0.10)(0.09)

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

0.14

0.13

0.16

0.13

0.00

(0.03)

0.09

0.15

0.15

0.15

0.00

0.00

Average yield on deposits andnegotiable (including expenses)

Average yield on
deposits and negotiable
Expense ratio②

Domestic business(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31, 2018 Dec. 31, 2018 Mar.31, 2019 Dec. 31, 2019
(a)
(b)
(c)

Average yield on interest
earning assets
Average yield on loans andbills discounted
Average yield on securities
Average yield on interest
bearing liabilities
Average yield on deposits andnegotiable (including expenses)(c)-(a)(c)-(b)

(A)

1.08

0.99

1.02

0.96

(0.03)(0.06)

(B)

1.07

1.03

1.03

1.00

(0.03)(0.03)

1.23

0.82

1.00

0.73

(0.09)(0.27)

(C)

0.92

0.84

0.83

0.80

(0.04)(0.03)

(D)

0.95

0.86

0.86

0.82

(0.04)(0.04)

0.05

0.03

0.03

0.02

(0.01)(0.01)

Average yield on
deposits and negotiable
Expense ratio

0.90

0.83

0.82

0.79

(0.04)(0.03)

Average yield on external liabilities

0.03(0.01)(0.01)(0.00)

0.01

0.01

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

0.16

0.15

0.19

0.16

0.01

(0.03)

0.12

0.17

0.17

0.18

0.01

0.01

(5) ROE
Senshu Ikeda Holdings 【Consolidated】(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31, 2018 Dec. 31, 2018 Mar.31, 2019 Dec. 31, 2019
(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)

6.75

3.00

3.25

2.55

(0.45)(0.70)

3.56

2.11

2.66

2.08

(0.03)(0.58)(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, 2018 Dec. 31, 2018 Mar.31, 2019 Dec. 31, 2019
(a)
(b)
(c)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent basis)(c)-(a)(c)-(b)

6.49

2.91

3.12

2.40

(0.51)(0.72)

3.42

2.05

2.55

1.95

(0.10)(0.60)―

2―

2. Information on Main Accounts
The Senshu Ikeda Bank 【Non-consolidated】(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar.
31, 2018
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

2,131,506
1,776,527
1,731,354
45,172
3,908,034
42,376

As of Dec.
31, 2018(a)2,107,247
1,796,973
1,746,805
50,167
3,904,221
29,586

As of Mar.
31, 2019(b)
2,115,162
1,811,194
1,758,960
52,234
3,926,357
25,334As of Dec.
31, 2019(c)
2,117,059
1,824,611
1,769,402
55,2083,941,670
22,234(c)-(a)9,812
27,63822,597
5,041
37,449(7,352)(c)-(b)
1,897
13,417
10,442
2,974
15,313(3,100)445,988
1,456,643
168,086
64,946
1,772,370
3,908,034

401,323
1,496,192
149,473
65,027
1,792,204
3,904,221

403,358
1,509,319
142,060
65,007
1,806,612
3,926,357

388,995
1,537,234
131,61465,004
1,818,822
3,941,670(12,328)
41,042(17,859)(23)
26,61837,449(14,363)
27,915(10,446)(3)
12,21015,313

Average Balance

3,816,475

3,864,664

3,871,096

3,895,544

30,88024,448

As of Mar.
31, 2019(b)
2,119,006
1,811,194
1,758,960
52,2343,930,201
25,334As of Dec.
31, 2019(c)
2,117,361
1,824,611
1,769,402
55,2083,941,972
22,234(c)-(a)6,169
27,63822,5975,041
33,807(7,352)(c)-(b)(1,645)
13,417
10,442
2,974
11,771(3,100)Including business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2018
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

2,137,204
1,776,527
1,731,354
45,172
3,913,732
42,376

As of Dec.
31, 2018(a)2,111,192
1,796,973
1,746,805
50,167
3,908,165
29,586445,988
1,462,254
168,086
64,946
1,772,457
3,913,732

401,3231,500,136
149,473
65,027
1,792,204
3,908,165

403,358
1,513,163
142,060
65,007
1,806,612
3,930,201

388,995
1,537,536
131,61465,004
1,818,822
3,941,972(12,328)
37,400(17,859)(23)
26,61833,807(14,363)
24,373(10,446)(3)
12,21011,771

Average Balance

3,827,172

3,869,099

3,875,406

3,897,778

28,67922,372As of Dec.
31, 2018(a)3,288,397
84.22

As of Mar.
31, 2019(b)
3,315,931
84.45

As of Dec.
31, 2019(c)
3,356,056
85.14

As of Dec.
31, 2018(a)3,292,341
84.24

As of Mar.
31, 2019(b)
3,319,775
84.46

As of Dec
31, 2019(c)
3,356,358
85.14②

Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar.
31, 2018

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

3,229,013
82.62(c)-(a)67,6590.92(c)-(b)40,1250.69

Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2018
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

3,234,711
82.65

―

3

―

(c)-(a)64,0170.90(c)-(b)36,5830.68

(2) Deposits(Millions of yen)
As of Mar.
31, 2018
Individual
Online branch
Corporation
General corporation

As of Dec.
31, 2018(a)

As of Mar.
31, 2019(b)

As of Dec.
31, 2019(c)

3,825,365

3,866,771

3,842,757

3,888,980

22,20946,22355,06943,38540,28934,811(8,574)(5,478)

1,128,618

1,114,812

1,147,658

1,119,615

4,803(28,043)

1,008,221

1,004,677

1,030,228

1,007,117

2,440(23,111)(c)-(a)(c)-(b)Financial institutions

5,868

4,929

5,982

4,600

(329)

(1,382)Governmental funds

114,528

105,205

111,447

107,897

2,692(3,550)4,953,983

4,981,584

4,990,415

5,008,596

27,012

18,181

17,936

14,71814,567

14,388

(330)

(179)

Subtotal
Foreign currency deposits
Negotiable certificates of deposit

900

－

－

26,80026,80026,800Total

4,954,883

4,981,584

4,990,415

5,035,396

53,812

44,981

Average Balance deposits
Average Balance deposits andnegotiable certificates of deposit

4,881,023

4,921,635

4,924,518

4,986,223

64,58861,705

4,901,725

4,941,017

4,943,515

5,008,034

67,01764,519(3) Assets under Management①

Investment products sales
For the fiscal For the fiscal
year ended
year ended
Mar.31, 2018 Mar.31, 2019(a)(b)(b)-(a)(Millions of yen)
For the nine For the ninemonths ended months ended
Dec. 31, 2018 Dec. 31, 2019(c)(d)(d)-(c)The Senshu Ikeda Bank

172,159

165,069(7,090)127,179

118,077

Investment trusts(9,102)

99,652

81,567(18,085)

64,37465,310936

Public bonds

599

892

293

693

473

(220)

Life insurance

71,906

82,60910,703

62,111

52,292(9,819)Senshu Ikeda Tokai Tokyo Securities

68,01546,805(21,210)35,88834,821(1,067)

Total

240,175

211,874(28,301)

163,067

152,899(10,168)

As of Mar.
31, 2018

As of Dec.
31, 2018(a)

As of Mar.
31, 2019(b)

As of Dec.
31, 2019(c)

3,825,365

3,866,771

3,842,757

3,888,980

22,20946,223

Investment trusts

174,148

163,228

177,445

183,351

20,123

5,906Life insurance

512,755

528,121539,046

538,558

10,437(488)

Public bonds

10,931

10,455

10,293

9,674

(781)

(619)

Senshu Ikeda Tokai Tokyo Securities

104,940

95,570102,777

108,310

12,740

5,533

Total

4,628,140

4,664,147

4,672,319

4,728,875

64,72856,556

As of Dec
31, 2018(a)

As of Mar.
31, 2019(b)

As of Dec
31, 2019(c)②

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

Deposits(c)-(a)(c)-(b)(Reference) Balance of assets under management(Millions of yen)
As of Mar.
31, 2018(c)-(a)(c)-(b)The Senshu Ikeda Bank

195,442

183,290

197,691

201,839

18,5494,148

Investment trusts

181,228

169,861

184,405

189,396

19,535

4,991

Public bonds

14,214

13,42813,286

12,443

(985)

(843)

Senshu Ikeda Tokai Tokyo Securities

119,958

110,743

119,713

124,873

14,130

5,160

Total

315,401

294,034

317,405

326,71332,679

9,308

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4

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(4) Securities① Breakdown of security balance(Millions of yen)
As of Mar.
31, 2018

As of Dec.
31, 2018(a)

As of Mar.
31, 2019(b)

As of Dec.
31, 2019(c)

760,428

732,439

629,846625,256(107,183)(4,590)Government bonds

72,135

71,13264,11528,993(42,139)(35,122)

Local government bonds

39,46249,544

60,118109,860

60,31649,742

Corporate bonds

245,227

258,828

256,712297,879

39,051

41,167

Authority bonds

180,272

185,876

181,769

207,075

21,19925,306

Securities

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

－

－

－

－

－

－

64,95572,951

74,94390,803

17,852

15,860Stocks73,56555,93748,35647,365(8,572)(991)

Other securities

330,037

296,996

200,544

141,157(155,839)(59,387)

Foreign securities

140,838

141,147

91,84739,020(102,127)(52,827)

Euroyen bonds

11,000

9,000

1,000

－

(9,000)(1,000)Dollar-dominated bonds

85,89989,78849,566－(89,788)(49,566)

Euro-dominated bonds

43,93342,352

41,27539,015(3,337)(2,260)REIT

32,313

34,48937,77535,139650(2,636)

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

149,125

111,846

61,901

56,590(55,256)(5,311)

－

－

－

－

－

－

7,758

9,512

9,019

10,406894

1,387

830,610765,189

753,944629,013(136,176)(124,931)

As of Mar.
31, 2018

As of Dec.
31, 2018(a)

As of Mar.
31, 2019(b)

As of Dec.
31, 2019
(c)

68

19

5

－

Average Balance②

Net unrealized gains (losses) on securities(Millions of yen)Held-to-maturity debt securities
Available-for-sale securities(c)-(a)(c)-(b)(19)(5)

10,643

7,444

11,52919,037

11,593

7,508

Stocks

22,396

16,058

10,955

11,413(4,645)

458

Bonds

325

669

1,073

492

(177)

(581)

145

166

156

41

(125)

(115)

Government bonds
Local government bonds

55

40

50

(20)

(60)

(70)

Corporate bonds

124

462

867

470

8

(397)

(12,079)(9,282)

(500)

7,131

16,413

7,631(3,424)(3,132)

(233)

1,361

4,493

1,594

Other securities
Foreign securities
Euroyen bonds

－

－

－

－

－

－

Dollar-dominated bonds(2,630)(2,716)(1,265)

－

2,716

1,265

Euro-dominated bonds

(793)

(416)

1,032

1,361

1,777

329

869

2,518

3,308

5,440

2,922

2,132

(9,526)(8,665)(3,608)

285

8,950

3,893

－

－

－

－

－

－

1

(3)

33

44

47

11

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

―

5

―

3. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen, %)As of Mar.
31, 2018

As of Dec.
31, 2018(a)

As of Mar.
31, 2019(b)

As of Dec.
31, 2019(c)(c)-(a)(c)-(b)Bankruptcy and quasi-bankrupt credit

2,755

3,795

4,509

3,604

(191)

(905)

Doubtful credit

24,66323,27921,314

21,363(1,916)49

Substandard credit

6,966

4,804

4,843

5,609

805

766

Subtotal (A)34,38431,88030,66830,577(1,303)(91)

Normal credit

3,891,198

3,894,906

3,923,411

3,943,954

49,04820,543

Total (B)

3,925,583

3,926,786

3,954,079

3,974,531

47,745

20,452

0.87

0.81

0.77

0.76

(0.05)(0.01)

29,01330,79630,81630,196

(600)

(620)

As of Mar.
31, 2018

As of Dec.
31, 2018(a)

As of Mar.
31, 2019(b)

As of Dec.
31, 2019(c)

Bankruptcy and quasi-bankrupt credit

2,926

3,795

5,156

3,604

(191)

(1,552)

Doubtful credit

29,81926,99324,36821,664(5,329)(2,704)

Substandard credit

7,209

5,034

4,987

5,609

575

622

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

Subtotal (A)39,95635,82434,51230,879(4,945)(3,633)

Normal credit

3,891,325

3,894,906

3,923,411

3,943,954

49,04820,543

Total (B)

3,931,281

3,930,731

3,957,923

3,974,833

44,102

16,910

1.01

0.91

0.87

0.77

(0.14)(0.10)

29,06530,83230,852

31,414582

562

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.

―6―