Financial Results for the First Quarter of the Fiscal Year ended March 31, 2017
(Consolidated Data)
July 27, 2016

Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

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

President and Representative Director:

Hirohisa Fujita

For inquiries:

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

Scheduled date for filing quarterly securities report:
Scheduled date to commence dividend payments:
Segregated trading accounts:
Supplementary material on financial results:
Financial results presentation meeting:

August 9, 2016
None
None
Yes (Selected financial information)
None(Japanese yen amounts of less than 1 million and first decimal place have been rounded down)
1. Financial Results for the First Quarter of the Fiscal Year ending March 31, 2017 (April 1, 2016 － June 30, 2016)(1) Consolidated Operating Results(%: Changes from previous fiscal year)

Ordinary revenue
Million yen

Profit attributable toowners of the parent

Ordinary income%

Million yen%

Million yen%

Three months ended
June 30, 2016

26,331

(9.1)

6,491

7.2

5,711

12.0

Three months ended
June 30, 2015

28,983

13.8

6,053

30.5

5,099

31.3

(Note) Comprehensive income:Three months ended June 30, 2016

10,625 million yen[ 150.5% ]Three months ended June 30, 2015

4,240 million yen[ (65.9%) ]Net income
per share

Diluted earnings
per share

Yen

Yen

Three months ended
June 30, 2016

20.73

17.32

Three months ended
June 30, 2015

19.14

16.54

Total assets

Total net assets(2) Consolidated Financial Position

As of June 30, 2016
As of March 31, 2016

Million yen
5,614,028
5,406,626

Million yen
261,036
258,005

Equity ratio
%
4.5
4.6

(Reference) capital: As of June 30, 2016 : 257,800 million yen ; As of March 31, 2016 : 249,740 million yen
Note: “Equity ratio” is calculated as: (Total net assets at the end of period － Stock subscription rights at the end of period － 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, 2016－

Fiscal Year ended
March 31, 2017－

Fiscal Year ending
March 31, 2017
(Forecasts)
Note:

7.50

－

7.50

15.00

7.50

－

7.50

15.00

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, 2017 (April 1, 2016－March 31, 2017)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue
Million yen%

Ordinary income
Million yen%

Profit attributable toowners of the parent
Million yen%

Net income per share
YenFirst half of fiscal year

50,000(10.7)

9,000(12.5)

8,500

(1.1)

28.52

Full Year

100,000(9.3)

19,000(14.9)

17,000

3.1

57.03

Note

(1)

Changes in significant subsidiaries during the first quarter of the fiscal year ending March 31, 2017 : 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 June 30, 2016

281,008,632 shares

As of March 31, 2016

281,008,632 shares(b) Number of treasury shares
As of June 30, 2016

5,232,378 shares

As of March 31, 2016

5,616,987 shares(c) Average number of shares for the period under review
Three months ended June 30, 2016

275,502,569 shares

Three months ended June 30, 2015

266,309,011 shares

Disclosure concerning the implementation status of audit proceduresThis report is exempt from audit procedures based upon the Financial Instruments and Exchange Act of Japan. As of this report’s
publication, audit procedures of financial statements have not been completed as stipulated under the provisions of the Financial
Instruments and Exchange Act.
Cautionary statement with respect to earnings forecasts, and disclaimer
This report contains projections and other forward-looking statements which are based on currently available information and certain
assumptions that the Senshu Ikeda Holdings considers to be reasonable. Various factors may cause actual results to be materiallydifferent from projections in these forward-looking statements.
〇Cash Dividends for Shareholders of Classified Stock
Cash dividends per share for shareholders of classified stock which has different rights relation from that of common stocks are as
follows:(Third-class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2016

－

35.00

－

35.00

70.00

Fiscal Year ending
March 31, 2017

－

35.00

－

35.00

70.00

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

－

14.51

－

15.00

29.51

Fiscal Year ending
March 31, 2017

－

15.00

－

15.00

30.00

Fiscal Year ending
March 31, 2017
(Forecasts)

Consolidated Financial Statements(1) Consolidated Balance Sheets(Unit: Millions of yen)
As of March 31, 2016
AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchange assets
Other assets
Tangible fixed assets
Intangible fixed assets
Net defined benefit assets
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Corporate bonds and notes
Other liabilities
Provision for employees’ bonuses
Net defined benefit liability
Accrued retirement benefits for directors and corporate auditors
Reserve for reimbursement of deposits
Reserve for point services
Reserve for contingent losses
Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net Assets
Common stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Stock subscription rights
Non-controlling interests
Total net assets
Total liabilities and net assets

As of June 30, 2016

460,293885
67
221
27,0001,026,804
3,765,182
6,451
63,76538,714
6,123
13,01814,181
14,399(30,483)
5,406,626

588,381942
150
221
29,015
1,120,523
3,741,949
7,345
73,79938,218
5,679
12,944
11,746
14,035(30,926)
5,614,028

4,730,075
3,800
211,50986,216429
55,00043,488
1,787
741
39
456
223
343
0
110
14,3995,148,621

4,792,164－
270,465
165,140384
55,00053,323
660
696
39
456
225
343
0
53
14,0355,352,992

102,999
57,361
68,521(2,678)226,20321,753(144)
1,927
23,536
91
8,172
258,005
5,406,626

102,999
57,36971,489(2,496)229,362
26,679(124)
1,883
28,43899
3,136
261,036
5,614,028

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
Consolidated Statements of Income(Unit: Millions of yen)
For the three months
ended June 30, 2015

For the three months
ended June 30, 2016

Ordinary revenue

28,983

26,331

Interest income

14,243

12,850Interest on loans and bills discounted

11,537

10,778Interest and dividends on securities

2,544

1,955

Fees and commissions

5,242

4,878

Other ordinary income

1,869

3,832

Other income

7,627

4,769

Ordinary expenses

22,93019,840Interest expenses

2,076

1,635

1,293

888

Fees and commissions payments

1,351

1,468

Other ordinary expenses

4,120

567

General and administrative expenses

12,485

12,999Other expenses

2,895

3,168

Ordinary income

6,053

6,491

Extraordinary loss

13

65

Loss on disposal of non-current assets

13

65Transfer to reserve for financial products transaction liabilities

0

0

6,039

6,425

476

615

Interest on deposits

Income before income taxes
Income taxes - current
Income taxes - deferred

401

85

Total income taxes

877

700

5,161

5,724

62

12

5,099

5,711

ProfitProfit attributable to non-controlling interests
Profit attributable to owners of the parent
Consolidated Statements of Comprehensive Income(Unit: Millions of yen)
For the three months
ended June 30, 2015

For the three months
ended June 30, 2016

Profit

5,161

5,724

Other comprehensive income

(920)

4,900

(724)

4,924

(4)

20

Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income

(191)

(44)

4,240

10,625

4,178

10,61362

11

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

Senshu Ikeda Holdings,Inc.

Senshu Ikeda Holdings,Inc.

【 Contents】
1

Summary of Profit and Loss
(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・

1(2) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・

1(3) Senshu Ikeda Tokai Tokyo Securities

Non-consolidated

・・・・・・・・・

2

・・・・・・・・・

3(4) ROE
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

3

Net Unrealized Gains (Losses) on Securities

Non-consolidated

・・・・・・・・・

6

4

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

Consolidated

・・・・・・・・・

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

Non-consolidated
Consolidated

・・・・・・・・・

7

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated

・・・・・・・・・

8

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

Senshu Ikeda Holdings,Inc.

1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings 【 Consolidated】(Millions of yen)
For the three months For the three months
ended June 30, 2015 ended June 30, 2016
(a)
(b)
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

28,98322,930
6,053
6,039
5,099
4,240
(444)

26,331
19,840
6,491
6,425
5,711
10,625953(b)-(a)(2,652)(3,090)
438
386
612
6,385
1,397

(2) The Senshu Ikeda Bank 【 Non-consolidated】
Core gross profit decreased by ¥1,058 million year-on-year to ¥13,838 million. This was due to decrease in net interest incomeby ¥1,627 million, decrease in net fees and commissions income by ¥372 million, and increase in net other operation income(excluding net gains (losses) on debt securities) by ¥940 million.
Core banking profit decreased by ¥1,293 million year-on-year to ¥2,319 million. This was due to increase in expenses(excluding non-recurring expenses) by ¥235 million year-on-year to ¥11,519 million.
Net gains on equity securities decreased by 3,795 million year-on-year to ¥303 million, and net gains on debt securities
increased by ¥4,677 million year-on-year to 2,000 million. Ordinary income increased by ¥486 million year-on-year to ¥5,821
million, and net income increased by ¥341 million year-on-year to ¥5,179 million.
(Millions of yen)
For the three months For the three months
ended June 30, 2015 ended June 30, 2016
(a)
(b)
1
2
3
4
5
6
7
8
9
10
11
12
13

Gross profit(Core gross profit)
Net interest income
Net fees and commissions income
Net other operation income(Net gains (losses) on debt securities)
Expenses (excluding non-recurring expenses) (-)
Personnel expenses (-)
Non-personnel expenses (-)
Banking profit (before provision for general reserve forpossible loan losses)
Core banking profit
Net gains (losses) on debt securities
Reversal of general reserve for possible loan losses (-) ①

14

Banking profit

15
16
17

Net non-recurring gains (loss)
Disposal of non-performing loans
Net gains (losses) on equity securities②(b)-(a)12,21914,896
12,8091,932(2,522)(2,677)
11,284
5,725
4,883

15,83913,838
11,182
1,560
3,096
2,000
11,519
5,639
5,062

3,620
(1,058)(1,627)
(372)
5,618
4,677
235
(86)
179

935

4,320

3,385

3,612
(2,677)
－

2,319
2,000
－

(1,293)
4,677
－

935

4,320

3,385

4,400
(234)
4,098

1,501
(266)
303

(2,899)(32)(3,795)18

Ordinary income

5,335

5,821

486

19

Net extraordinary income (loss)

(4)

(55)

(51)

20

Income before income taxes

5,330

5,765

435

21
22
23

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

491
201
290

586
362
223

95
161
(67)

24

Net income

4,838

5,179

341

25

Net credit costs ①+②

(234)

(266)

(32)

－

1

－

Senshu Ikeda Holdings,Inc.
(Reference) Substantial figures after deduction of specific factors
The Senshu Ikeda Bank 【 Non-consolidated】

For the three months
ended June 30, 2015

For the three months
ended June 30, 2016

Disclosed figures(a)

Substantial figures(b)

14,896
12,809
10,113
2,696
1,932
155
11,284
3,612(2,677)

14,503
12,342
10,113
2,229
1,932
228
11,284
3,219
234

13,838
11,182
9,814
1,367
1,560
1,096
11,5192,319
2,000(1,058)(1,627)(299)(1,329)
(372)
941
235
(1,293)
4.677

(665)
(1,160)
(299)
(862)
(372)
868
235
(900)
1,766

935

3,453

4,320

3,385

867

4,098
301
5,335
(4)
491
4,838

1,580
301
5,335
(4)
491
4,838

303
1,197
5,821
(55)
586
5,179

(3,795)
896
486
(51)
95
341

(1,277)
896
486
(51)
95
341

Core gross profit
Net interest income
Interest income on loans and deposits
OthersNet fees and commissions income
Net other operation income
Expenses (-)
Core banking profit
Net gains (losses) on debt securities
Banking profit (before provision forgeneral reserve for possible loan losses)
Net gains (losses) on equity securities
OthersOrdinary income
Net extraordinary income (loss)
Total income taxes (-)
Net income(c)(c)-(a)(c)-(b)(3) Senshu Ikeda Tokai Tokyo Securities 【 Non-consolidated】(Millions of yen)
For the three months For the three months
ended June 30, 2015 ended June 30, 2016
(a)
(b)
1
2
3
4
5

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

622
409
213
213
140

(b)-(a)

484
417
66
65
43

(138)
8
(147)
(148)
(97)

(4) ROE
Senshu Ikeda Holdings 【 Consolidated】(%)
For the fiscal For the three For the fiscal For the threeyear ended months ended year ended months ended
Mar. 31, 2015 June 30, 2015 Mar. 31, 2016 June 30, 2016
(a)
(b)
(c)
Shareholders’ equity ROE(Income before income taxes basis)
Shareholders’ equity ROE(Profit attributable to owners of the parent basis)(c)-(a)(c)-(b)

11.91

11.56

10.31

11.31

(0.25)

1.00

9.15

9.76

7.74

10.05

0.29

2.31

(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(%)
For the fiscal For the three For the fiscal For the threeyear ended months ended year ended months ended
Mar. 31, 2015 June 30, 2015 Mar. 31, 2016 June 30, 2016
(a)
(b)
(c)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent basis)(c)-(a)(c)-(b)

11.10

10.24

9.21

10.15

(0.09)

0.94

8.52

8.65

6.92

9.02

0.37

2.10

－

2

－

Senshu Ikeda Holdings,Inc.

2. Information on Main Accounts
The Senshu Ikeda Bank 【 Non-consolidated】
The balance of loans and bills discounted (including two business rehabilitation subsidiaries) at the end of June 2016 increasedby ¥87.7 billion from the end of June 2015 to ¥3,749.4 billion.
The balance of deposits at the end of June 2016 increased by ¥25.7 billion from the end of June 2015 to ¥4,835.1 billion.
(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar.
As of June
As of Mar.
As of June
31, 2015
30, 2015
31, 2016
30, 2016
(a)
(b)
(c)
(c)-(a)(c)-(b)Corporate loans
1,912,885
1,900,523
2,021,670
2,005,486
104,963(16,184)
Consumer loans
1,743,166
1,737,810
1,730,397
1,723,654(14,156)(6,743)
Housing loans
1,716,611
1,711,756
1,701,561
1,693,511(18,245)(8,050)
Other loans
26,554
26,053
28,83530,142
4,089
1,307
Total
3,656,051
3,638,333
3,752,067
3,729,140
90,807(22,927)
Foreign currency loans
60,34861,717
62,10059,066(2,651)(3,034)(scale of enterprise)
Large and mid-tier enterprises

465,198

458,858

464,438

459,155297(5,283)

1,167,700

1,174,111

1,261,284

1,263,536

89,4252,252

Local governments

227,548

215,580

219,574

209,307(6,273)(10,267)

Japanese government

49,977

49,977

77,321

74,821

24,844(2,500)Individuals

1,745,624

1,739,805

1,729,448

1,722,318(17,487)(7,130)total

3,656,051

3,638,333

3,752,067

3,729,140

90,807(22,927)

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

As of June30, 2015(a)
1,923,853
1,737,810
1,711,756
26,053
3,661,664
61,717

As of Mar.
31, 2016(b)
2,042,644
1,730,397
1,701,561
28,835
3,773,041
62,100

As of June30, 2016(c)
2,025,773
1,723,654
1,693,511
30,142
3,749,428
59,066(c)-(a)101,920(14,156)(18,245)
4,089
87,764(2,651)(c)-(b)(16,871)(6,743)(8,050)1,307(23,613)(3,034)465,198
1,191,420
227,548
49,977
1,745,983
3,680,130

458,858
1,197,083
215,580
49,977
1,740,164
3,661,664

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

459,155
1,283,465
209,30774,821
1,722,677
3,749,428

297
86,382(6,273)
24,844(17,487)
87,764(5,283)
1,566(10,267)(2,500)(7,130)(23,613)

Small and medium-sized enterprises

Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2015
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
Total② Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar.
31, 2015
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

2,913,325
79.68

As of June30, 2015(a)2,913,917
80.08

As of Mar.
31, 2016(b)
2,990,733
79.70

As of June30, 2016(c)2,985,855
80.06

As of June30, 2015(a)2,937,248
80.21

As of Mar.
31, 2016(b)
3,011,706
79.82

As of June30, 2016(c)
3,006,14280.17(c)-(a)71,938(0.02)(c)-(b)(4,878)0.36

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2015
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

2,937,404
79.81

－

3

－

(c)-(a)68,894(0.04)(c)-(b)(5,564)0.35

Senshu Ikeda Holdings,Inc.
(2) Deposits(Millions of yen)

Individual
Online branch

As of Mar.
31, 2015

As of June30, 2015(a)

As of Mar.
31, 2016(b)

As of June30, 2016(c)(c)-(a)3,744,025

3,771,882

3,726,769

3,757,468(14,414)30,699(c)-(b)83,583

79,94467,96065,896(14,048)(2,064)

1,028,510

1,037,457

1,050,926

1,077,651

40,194

26,725General corporation

850,231

861,817

911,572928,159

66,342

16,587

Financial institutions

28,145

15,20010,056

7,683(7,517)(2,373)

Corporation

Governmental funds
Total
Foreign currency deposits

150,133

160,440

129,297

141,807(18,633)

12,5104,772,536

4,809,340

4,777,696

4,835,119

25,77957,42349,21447,183

18,862

19,184(27,999)322(3) Assets under Management① Investment products sales(Millions of yen)
For the fiscal For the three For the fiscal For the threeyear ended months ended year ended months ended
Mar. 31, 2015 June 30, 2015 Mar. 31, 2016 June 30, 2016(b)(b)-(a)The Senshu Ikeda Bank

231,584(a)50,454

168,343

35,953(14,501)

Investment trusts

151,413

29,56987,445

16,161(13,408)

2,937

225

1,066

256

31

Public bonds

77,234

20,65979,831

19,535(1,124)

Senshu Ikeda Tokai Tokyo Securities

Life insurance

46,533

14,487

48,102

9,792(4,695)

Total

278,11764,941

216,445

45,746(19,195)② Balance of assets under management (individual)(Millions of yen)
As of Mar.
31, 2015
Deposits

As of June30, 2015(a)

As of Mar.
31, 2016(b)

As of June30, 2016(c)(c)-(a)(c)-(b)3,744,025

3,771,882

3,726,769

3,757,468(14,414)30,699Investment trusts

194,394

191,919

183,895

174,782(17,137)(9,113)

Life insurance

489,826

489,652

501,062

488,917(735)(12,145)

Public bonds

23,71021,16817,752

16,286(4,882)(1,466)

Senshu Ikeda Tokai Tokyo Securities

61,34968,07072,632

71,227

3,157(1,405)

Total

4,513,306

4,542,693

4,502,112

4,508,681(34,012)

6,569(Reference) Balance of assets under management(Millions of yen)
As of Mar.
31, 2015

As of June30, 2015(a)

As of Mar.
31, 2016(b)

As of June30, 2016(c)(c)-(a)(c)-(b)The Senshu Ikeda Bank

237,827

231,749

216,205

203,936(27,813)(12,269)

Investment trusts

204,260

201,080

192,067

182,333(18,747)(9,734)

Public bonds

33,56630,66924,13821,602(9,067)(2,536)

Senshu Ikeda Tokai Tokyo Securities

68,34676,04581,70180,915

4,870

(786)

Total

306,173

307,794

297,907284,852(22,942)(13,055)－

4－

Senshu Ikeda Holdings,Inc.
(4) Securities① Breakdown of security balance(Millions of yen)
As of Mar.
31, 2015

As of June30, 2015(a)

As of Mar.
31, 2016(b)

As of June30, 2016(c)

1,163,549

1,141,773

1,051,825

1,145,465

3,692

93,640Government bonds

164,153

119,142

76,25967,173(51,969)(9,086)

Local government bonds

51,256

39,83249,33847,221

7,389(2,117)

Corporate bonds

273,480

262,220

277,505

294,571

32,351

17,066

Authority bonds

197,171

192,514205,420

222,662

30,14817,242

Securities(c)-(a)(c)-(b)Bank debenture bonds

9,384

9,385

15,42915,437

6,052

8

General corporate bonds

66,92460,321

56,65656,470(3,851)(186)

Stocks101,658

102,199

90,78389,611(12,588)(1,172)Other securities

572,999

618,378

557,938

646,887

28,50988,949Foreign securities

269,125

265,633

249,540

296,927

31,29447,387

Euroyen bonds

38,99339,00027,00027,000(12,000)－

Dollar-dominated bonds

230,125

215,507172,052

215,177(330)

43,125Euro-dominated bonds－

11,11850,482

54,744

43,626

4,262

REIT

31,04032,90334,02732,818(85)(1,209)Investment trusts

267,719

314,653

267,881

310,170(4,483)42,28916,98012,729161－(12,729)

(161)

5,115

5,187

6,487

6,970

1,783

483

As of June30, 2015(a)

As of Mar.
31, 2016(b)

As of June30, 2016(c)

Hedging investment trust
for cross-shareholdings etc.
Investment partnership② Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2015
Held-to-maturity debt securities(c)-(a)(c)-(b)

590

582

465

460

(122)

(5)

27,695

26,61428,73036,042

9,428

7,312

Stocks31,19835,67228,33627,424(8,248)

(912)

Bonds

1,125

643

2,396

3,527

2,884

1,131

Available-for-sale securities

Government bonds

35

25

109

136

111

27

Local government bonds

161

162

188

218

56

30

Corporate bonds

929

455

2,098

3,171

2,716

1,073

(4,628)(9,701)(2,001)

5,090

14,791

7,091

Foreign securities(734)(4,316)

2,165

6,610

10,926

4,445

Euroyen bonds

(6)

－

－

－

－

－

Dollar-dominated bonds(727)(4,367)

1,465

5,259

9,626

3,794

Euro-dominated bonds

－

50

700

1,351

1,301

651

Other securities

REIT

2,414

1,973

3,514

2,977

1,004

(537)

Investment trusts
Hedging investment trust
for cross-shareholdings etc.

(6,515)(7,554)(7,770)(4,599)

2,955

3,171

(7,017)(5,268)

(62)

－

5,268

62

206

196

88

102

(94)

14

Investment partnership

－

5

－

Senshu Ikeda Holdings,Inc.

3. Net Unrealized Gains (Losses) on Securities
The Senshu Ikeda Bank 【 Non-consolidated】(1) Held-to-maturity debt securities (with market value)(Millions of yen)
As of June 30, 2016

As of Mar. 31, 2016

Carrying
Carrying
Fair value Difference Unrealized Unrealized
Fair value Difference Unrealized Unrealized
value
value
gain
loss
gain
loss
Government
bonds

24,99825,158

159

159

－

24,99825,143

145

145

－

Local
government
bonds

－

－

－

－

－

－

－

－

－

－

Corporatebonds

23,70323,73834

34－

23,70423,741

37

37

－

Other

27,00027,266

266

274

8

27,00027,282

282

291

8

75,701

76,162

460

468

8

75,702

76,168

465

474

8

Total

As of June 30, 2015
Carrying
Fair value Difference Unrealized Unrealized
value
gain
loss
24,99825,090

91

91

－

－

－

－

－

－

26,20726,28073

73－

27,00027,416

416

416

－

78,20578,787

582

582

－

(2) Available-for-sale securities (with market value)(Millions of yen)
As of June 30, 2016

As of Mar. 31, 2016

Acquisition Carrying
Acquisition Carrying
Difference Unrealized Unrealized
Difference Unrealized Unrealized
cost
value
cost
value
gain
loss
gain
loss
Equitysecurities
Bonds
Government
bonds

34,28761,712

27,42429,265

1,840

34,54862,88428,33629,978

1,642

356,737360,264

3,527

3,535

8

352,004

354,400

2,396

2,426

30

42,03842,175

136

136

－

51,151

51,260

109

109

－

Local
government
bonds

47,00247,221

218

219

0

49,14949,338

188

193

4

Corporatebonds

267,695

270,867

3,171

3,179

7

251,702

253,801

2,098

2,124

25

Other
Total

609,249614,339

5,090

12,0196,929

527,896

525,894(2,001)

7,103

9,105

1,000,274

1,036,317

36,042

44,8208,777

914,449

943,180

28,73039,50910,778

As of June 30, 2015
Acquisition Carrying
Difference Unrealized Unrealized
cost
value
gain
loss

－

6

－

38,34474,01635,672

36,026353

369,346

369,990

643

748

104

94,11894,14425

25

039,66939,832

162

168

5

235,557

236,013

455

554

98

597,494

587,793(9,701)

3,631

13,333

1,005,184

1,031,799

26,61440,406

13,791Senshu Ikeda Holdings,Inc.

4. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar.
31, 2015

As of June30, 2015

As of Mar.
31, 2016

As of June30, 2016

(a)

(b)

(c)

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

Total capital ratio (%)

10.09

10.99

10.59

10.60

(0.39)

0.01

Total capital (A)-(B)268,401

295,891

288,687

290,634(5,257)

1,947

275,747

302,113297,309299,415(2,698)2,106

153,292

205,099

208,220

214,361

9,262

6,141

14,711

14,242

13,893

13,701

(541)

(192)

40,00015,00015,00015,000－－65,22465,22457,97754,137(11,087)(3,840)

7,346

6,221

8,622

8,781

2,560

159

Risk weighted assets (C)2,657,817

2,691,886

2,724,851

2,739,436

47,55014,585Required capital (C×4%)

106,312

107,675

108,994

109,577

1,902

583

As of June30, 2015

As of Mar.
31, 2016

As of June30, 2016

(a)

(b)

(c)

Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)(2) The Senshu Ikeda Bank (domestic standard)① Non-consolidated(Millions of yen)
As of Mar.
31, 2015
Total capital ratio (%)
Total capital (A)-(B)

9.27

10.18

9.90

(c)-(a)10.03(c)-(b)(0.15)

0.13

244,865

271,495

267,748

272,996

1,501

5,248

250,192

276,269

275,348

280,570

4,301

5,222

177,751

203,939

210,303

215,482

11,543

5,179

5,402

5,290

5,455

5,497

207

42

－

－

－

－

－

－

67,03967,03959,59059,590(7,449)

－

5,327

4,774

7,599

7,573

2,799

(26)

Risk weighted assets (C)2,639,343

2,665,464

2,704,408

2,719,712

54,24815,304

Required capital (C×4%)

105,573

106,618

108,176

108,788

2,170

612

As of Mar.
31, 2015

As of June30, 2015

As of Mar.
31, 2016

As of June30, 2016

(a)

(b)

(c)

Core capital (A)Common stock,internal reserves, etc.
General reserve forpossible loan losses
Qualified previous noncumulative
perpetual preferred stock
Qualified previous
capital raising instruments
Deduction (B)② Consolidated(Millions of yen)(c)-(a)(c)-(b)

Total capital ratio (%)

10.51

11.39

11.10

11.09

(0.30)(0.01)

Total capital (A)-(B)280,062

306,898

302,595

303,958(2,940)1,363

286,016

312,282

310,379

312,2853

1,906

187,216

213,988

222,020

227,987

13,9995,967

14,711

14,242

13,893

13,701

(541)

(192)

－

－

－

－

－

－

82,79682,79673,59769,757(13,039)(3,840)

5,953

5,384

7,784

8,326

2,942

542

Risk weighted assets (C)2,664,117

2,692,844

2,725,680

2,738,855

46,011

13,175Required capital (C×4%)

106,564

107,713

109,027

109,554

1,841

527

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

－

7

－

Senshu Ikeda Holdings,Inc.

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

As of June30, 2015

As of Mar.
31, 2016

As of June30, 2016

(a)

(b)

(c)

(c)-(a)(c)-(b)Bankruptcy and quasi-bankrupt credit

6,437

6,434

4,648

5,009

(1,425)361

Doubtful credit

38,67639,34837,14937,188(2,160)39

Substandard credit

11,192

11,148

10,604

10,585

(563)

(19)

Subtotal (A)56,30656,932

52,40352,782(4,150)379

Normal credit

3,623,475

3,605,290

3,720,083

3,696,964

91,674(23,119)

Total (B)3,679,782

3,662,222

3,772,486

3,749,747

87,525(22,739)

1.53

1.55

1.38

1.40

(0.15)

0.02

59,61459,56332,87932,843(26,720)(36)

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

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2015

As of June30, 2015

As of Mar.
31, 2016

As of June30, 2016

(a)

(b)

(c)

Bankruptcy and quasi-bankrupt credit

7,136

6,901

Doubtful credit

48,969Substandard credit

13,538(c)-(a)(1,706)(c)-(b)

4,845

5,195

350

50,01946,23347,440(2,579)1,207

13,475

12,84011,599(1,876)(1,241)

Subtotal (A)69,64470,396

63,91864,235(6,161)

317

Normal credit

3,634,217

3,615,156

3,729,542

3,705,800

90,644(23,742)

Total (B)

3,703,861

3,685,553

3,793,461

3,770,035

84,482(23,426)

1.88

1.91

1.68

1.70

(0.21)

0.02

63,03559,92033,68333,644(26,276)(39)

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.

－8－