Financial Results for the First Quarter of the Fiscal Year ended March 31, 2016
(Consolidated Data)
July 29, 2015

Company Name: Senshu Ikeda Holdings, Inc.
Stock Code:
8714
President and Representative Director:
For inquiries:

Stock exchange listing: Tokyo Stock Exchange
URL
http://www.senshuikeda-hd.co.jp/
Hirohisa Fujita
Tsutomu Irie, General Manager of the Corporate Planning Division
Telephone: +81-6-4802-0013
August 7, 2015
None
None
Yes (Selected financial information)
None

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:(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, 2016
(April 1, 2015 － June 30, 2015)(1) Consolidated Operating Results
Ordinary revenue
Million yen
Three months ended
June 30, 2015
Three months ended
June 30, 2014
(Note) Comprehensive income:Ordinary income%

Million yen

28,983

13.8

6,053

30.5

5,099

31.3

25,447(12.4)

4,637

50.8

3,881

83.1

Three months ended June 30, 2015
Three months ended June 30, 2014
Net income
per share
Yen

Diluted earnings
per share
Yen

19.14

16.54

16.35

16.34

Three months ended
June 30, 2015
Three months ended
June 30, 2014%(%: Changes from previous fiscal year)
Profit attributable toowners of the parent
Million yen%

4,240 million yen[ (65.9％) ]12,466 million yen[ (－％) ](2) Consolidated Financial Position

As of June 30, 2015
As of March 31, 2015

Total assets
Million yen
5,524,790
5,519,533

Total net assets
Million yen
254,881234,788

Equity ratio
%
4.4
4.0

(Reference) capital: As of June 30, 2015 : 246,500million yen ; As of March 31, 2015 : 226,232 million yen
Note: “Equity ratio” is calculated as: (Total net assets at the end of period － Stock subscription rights at the end of period － Non-controllinginterests 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
First
Quarter
Yen
Fiscal Year ended
March 31, 2015
Fiscal Year ended
March 31, 2016
Fiscal Year ending
March 31, 2016
(Forecasts)－

Annual Dividends per Share
SecondThird
Year
Quarter
Quarter
End
Yen
Yen
Yen

Total
Yen

0.00

－

15.00

15.00

0.00

－

15.00

15.00

－

Note: Please refer to “Cash Dividends for Shareholders of Classified Stock” stated hereinafter for information on classified stock (unlisted) which hasdifferent rights relation from that of common stocks.

3. Financial Forecasts for the Fiscal Year ending March 31, 2016 (April 1, 2015－March 31, 2016)(%: Changes from corresponding period of previous fiscal year)
Profit attributable toOrdinary revenue
Ordinary income
Net income per shareowners of the parent
Million yen%
Million yen%
Million yen%
Yen
First half of fiscal year
54,000
6.4
10,000
3.4
8,500
4.9
31.06
Full Year
110,000(3.7)
22,0003.0
18,000
2.3
60.38
Note
(1) Changes in significant subsidiaries during the first quarter of the fiscal year ending March 31, 2016 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Added －(company name)－
Excluded－(company name)－(2) Changes in accounting policies, changes in accounting estimates, and retrospective restatements(a) Changes in accounting policies due to revision of accounting standards etc. :Yes(b) Changes in accounting policies other than those noted in (a) above :None(c) Changes in accounting estimates :None(d) Retrospective restatements :None(3) Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of June 30, 2015
As of March 31, 2015

281,008,632 shares
238,458,632 shares(b) Number of treasury shares
As of June 30, 2015
As of March 31, 2015

243,168 shares
438,304 shares(c) Average number of shares for the period under review
Three months ended June 30, 2015
Three months ended June 30, 2014

266,309,011 shares
237,288,675 shares

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

Fiscal Year ended
March 31, 2015
Fiscal Year ending
March 31, 2016
Fiscal Year ending
March 31, 2016
(Forecasts)

First
Quarter
Yen

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

Year
End
Yen

Total

－

－

－

70.70

70.70

－

－

70.00

70.00

SecondQuarter
Yen

Dividends per share
Third
Quarter
Yen

Year
End
Yen

Yen

－

(First series of seventh-class preferred stock)
First
Quarter
Yen

Total

Yen
Fiscal Year ended
March 31, 2015
Fiscal Year ending－
March 31, 2016
Fiscal Year ending
March 31, 2016
－
－
29.51
29.51
(Forecasts)(Note) As we issued first series of seventh-class preferred stock on April 7, 2015, we do not describe the dividends of fiscal year ended
March 31, 2015.

Consolidated Financial Statements(1) Consolidated Balance Sheets(Unit: Millions of yen)
As of March 31, 2015
AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchange assets
Other assets
Tangible fixed assets
Intangible fixed assets
Net defined benefit assets
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables 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

544,513616
87
177
27,0001,139,284
3,672,521
6,321
65,83537,276
7,470
16,014
17,22417,098(31,907)5,519,533
4,737,122
1,543

As of June 30, 2015
578,078
732
119
196
27,346
1,117,601
3,653,975
7,849
75,10736,897
7,026
16,441
17,26017,111(30,954)5,524,790－
251,176
159,198
538
70,00045,123
1,682
137
39
409
199
351
1
121
17,0985,284,745

4,774,149－
2,449
224,959
127,653506
70,00051,193
615
132
39
409
201
362
1
123
17,111
5,269,909

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

102,999
57,362
59,879(141)
220,099
20,3761
6,022
26,401
77
8,304
254,8815,524,790

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

Ordinary revenue
Interest income
Interest on loans and bills discounted
Interest and dividends on securities
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary income
Extraordinary loss
Loss on disposal of non-current assets
Loss on changes in equity interest
Transfer to reserve for financial products transaction liabilities
Income before income taxes and non-controlling interests
Income taxes - current
Income taxes - deferred
Total income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of the parent

For the three months
ended June 30, 2014
25,447
14,37012,202
2,054
5,078
2,496
3,501
20,810
2,296
1,591
1,270
1,711
13,109
2,422
4,637
12
11
0
－
4,625
412
210
623
4,002
121
3,881

For the three months
ended June 30, 2015
28,983
14,243
11,537
2,544
5,242
1,869
7,627
22,930
2,076
1,293
1,351
4,120
12,485
2,895
6,053
13
13
－
0
6,039
476
401
877
5,161
62
5,099

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

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

For the three months
ended June 30, 2014
4,002
8,464
8,416
(36)
84
12,466

For the three months
ended June 30, 2015
5,161
(920)
(724)
(4)
(191)
4,240

12,355
111

4,178
62

Senshu Ikeda Holdings,Inc.

Selected Financial Information
for the First Quarter of FY2015(Ended June 30, 2015)

Senshu Ikeda Holdings,Inc.

【Contents】
1

2

3
4

5

Summary of Profit and Loss
(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank
(3) Senshu Ikeda Tokai Tokyo Securities(4) ROE
Information on Main Accounts(1) Loans and Bills Discounted(2) Deposits(3) Assets under Management(4) Securities
Net Unrealized Gains (Losses) on Securities
Capital ratio(1) Senshu Ikeda Holdings (domestic standard)

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

1
1
2
3

Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated
Non-consolidated

・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・

3・4
4
4
5
6

Consolidated

・・・・・・・・・・・

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

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

7

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated ・・・・・・・・・・・・

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

Senshu Ikeda Holdings,Inc.

1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings 【Consolidated】(Millions of yen)
For the three months
ended June 30,2014(a)

For the three months
ended June 30,2015(b)(b)-(a)1

Ordinary revenue

25,44728,983

3,536

2

Ordinary expenses

20,81022,9302,1203Ordinary income

4,637

6,053

1,416

4

Income before income taxes and non-controlling interests

4,625

6,039

1,414

5

Profit attributable to owners of the parent

3,881

5,099

1,218

6

Comprehensive income

12,466

4,240(8,226)

7

Net credit costs

(48)

(444)

(396)

(2) The Senshu Ikeda Bank 【Non-consolidated】
Gross profit decreased by ¥3,203 million year-on-year to ¥12,219 million. This was due to decrease in net interest
income by ¥206 million, increase in net fees and commissions income by ¥193 million, and decrease in net otheroperation income by ¥3,189 million.
Core banking profit increased by ¥318 million year-on-year to ¥3,612 million by reduction of expenses. Net credit costs
decreased by ¥108 million year-on-year to (¥234) million. Net gains on equity securities increased by ¥3,936 million
year-on-year to ¥4,098 million.
Ordinary income increased by ¥1,100 million year-on-year to ¥5,335 million, and net income increased by ¥740 million
year-on-year to ¥4,838million.
(Millions of yen)
For the three months For the three months
ended June 30,2014 ended June 30,2015
(a)
(b)
1

Gross profit(b)-(a)15,422

12,219(3,203)

2

Net interest income

13,01512,809(206)

3

Net fees and commissions income

1,739

1,932

193

4

Net other operation income

667(2,522)(3,189)

11,572

11,284

(288)

5,642

5,725

83

5,368

4,883

(485)

3,850

935

(2,915)

3,294

3,612

318

555

(2,677)(3,232)

―

―

―

3,850

935

(2,915)

385

4,400

4,015

5
6
7
8
9

Expenses(excluding non-recurring expenses)(-)
Personnel expenses (-)
Non-personnel expenses (-)
Banking profit (before provision for general reserve forpossible loan losses)
Core banking profit

10

Net gains (losses) on debt securities

11

Reversal of general reserve for possible loan losses(-)

12

Banking profit

13

Net non-recurring gains (loss)

14

Disposal of non-performing loans

15

Net gains (losses) on equity securities

①

②

(126)

(234)

(108)

162

4,098

3,936

4,235

5,335

1,100

16

Ordinary income

17

Net extraordinary income (loss)

(3)

(4)

(1)

18

Income before income taxes

4,232

5,330

1,098

19

Total income taxes (-)

133

491

358

20

Income taxes-current (-)

(39)

201

240

21

Income taxes-deferred (-)

173

290

117

22

Net income

4,098

4,838

740

23

Net credit costs ①+②

(126)

(234)

(108)

- 1 -

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

14,89630

Net interest income

12,809(206)

Interest income onloans and deposits

10,113

(348)

2,696

142

1,932

193

155

44

Expenses (-)

11,284(288)

Core banking profit

3,612

318

(2,677)(3,232)Other
Net fees andcommissions income
Net other
operation income

Net gains (losses) on
debt securities
Banking profit (before
provision for general reservefor possible loan losses)
Net gains (losses)
on equity securities

Substantial figures(b)(a) - For the threemonths ended
June 30,2014
Net interest incomea
Net gains (losses) from cancellation of hedgingb
investment trust for cross-shareholdings
Net gains (losses) from cancellation of hedging
cinvestment trust for portfolio investment

12,809Ｓｕｂｓｔａｎｔｉａｌ net interest income（a-b-c）

12,342

―
466

d

155

Bond futurese

Ｓｕｂｓｔａｎｔｉａｌ net other operation income(d-e)

(73)
228

Net gains (losses) on debt securities(f-g+h)(2,677)

14,503

(393)

(878)

Net interest income

12,342(467)(1,015)

10,113

－

(348)

2,229

(467)

(666)

1,932

－

193

228

73

(57)

Expenses (-)

11,284－(288)

Core banking profit

3,219

(393)

(590)

Interest income onloans and deposits

Net other
operation income（Breakdown）
Except for bond futures
Net gains (losses) from cancellation of hedging
investment trust for cross-shareholdings
Net gains (losses) from cancellation of hedging
investment trust for portfolio investment

f

(158)

g

(2,518)h―(b) - For the threemonths ended
June 30,2014

Core gross profit

Other
Net fees andcommissions income
Net other operation income(b)-(a)Net gains (losses) on
debt securities
Banking profit (before provision
for general reserve for possible
loan losses)
Net gains (losses)
on equity securities

234

2,911

160

3,453

2,518

(430)

1,580

(2,518)

1,451

Others301－

79

Ordinary income

5,335

－

1,100

Net extraordinary
income (loss)

(4)

－

(1)

935

(2,915)

4,098

3,936

Others301

79

Ordinary income

5,335

1,100

Net extraordinary
income (loss)

(4)

(1)

Income taxes

491

358

Income taxes

491

－

358

Net income

4,838

740

Net income

4,838

－

740

（Net gains (losses) from cross-shareholdings）
Net gains (losses) oni
4,098
equity securities
Net gains (losses) from cancellation of hedgingb―
investment trust for cross-shareholdings
Net gains (losses) from sales of hedging
g(2,518)
investment trust for cross-shareholdings
Total(i+b+g)
1,580(3) Senshu Ikeda Tokai Tokyo Securities 【Non-consolidated】(Millions of yen)
For the three months
ended June 30,2014(a)

For the three months
ended June 30,2015(b)(b)-(a)1

Net operating income

439

622

183

2

Administrative expense

324

409

85

3

Operating income

114

213

99

4

Income before income taxes

114

213

99

5

Net income

72

140

68

- 2 -

Senshu Ikeda Holdings,Inc.

(4) ROE
Senshu Ikeda Holdings 【Consolidated】（％）
For the fiscal
year ended
Mar.31,2014

For the threemonths ended
June 30,2014(a)

For the fiscal
year ended
Mar.31,2015(b)

For the threemonths ended
June 30,2015(c)

Shareholders’ equity ROE
11.10
10.02
11.91
11.56
(Income before income taxes basis)
Shareholders’ equity ROE(Profit attributable to Senshu Ikeda
9.38
8.40
9.15
9.76
Holdings’ shareholders basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

(c)-(a)(c)-(b)1.54(0.35)

1.36

0.61

（％）
For the fiscal
year ended
Mar.31,2014
ROE (Income before income
taxes basis)
ROE (Profit attributable to Senshu
Ikeda Holdings’ shareholders basis)

For the threemonths ended
June 30,2014(a)

For the fiscal
year ended
Mar.31,2015(b)

For the threemonths ended
June 30,2015
(c)

10.84

9.75

11.10

10.24

0.49

(0.86)

9.15

8.18

8.52

8.65

0.47

0.13

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

2. Information on Main Accounts
The Senshu Ikeda Bank 【Non-consolidated】
The balance of loans and bills discounted at the end of June 2015 increased by ¥50.2 billion from the end of June 2014
to ¥3,638.3 billion.
The balance of deposits at the end of June 2015 increased by ¥95.3 billion from the end of June 2014 to ¥4,809.3billion.

(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar. 31, 2014

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)1,852,886

1,858,061

1,912,885

1,900,523

42,462(12,362)

Large and mid-tier enterprises

438,234

444,333

465,198

458,858

14,525(6,340)

Small and medium-sized enterprises

1,102,973

1,116,619

1,167,700

1,174,111

57,492

6,411

Corporate loans

Local governments etc.
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans

311,679

297,109279,986

267,552(29,557)(12,434)

1,731,940

1,730,035

1,743,166

1,737,810

7,775(5,356)1,700,370

1,700,266

1,716,611

1,711,756

11,490(4,855)31,57029,7683,588,097

26,554

26,053(3,715)(501)

3,584,827

3,656,051

3,638,333

50,236(17,718)

47,141

46,77360,34861,717

14,944

1,369

Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar. 31, 2014
Corporate loans

1,885,130

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

1,889,153

1,936,964(c)-(a)(c)-(b)1,923,853

34,700(13,111)Large and mid-tier enterprises

438,234

444,333

465,198

458,858

14,525(6,340)

Small and medium-sized enterprises

1,134,858

1,147,352

1,191,420

1,197,083

49,731

5,663

312,038

297,467

280,344

267,911(29,556)(12,433)

1,731,940

1,730,035

1,743,166

1,737,810

7,775(5,356)1,700,370

1,700,266

1,716,611

1,711,756

11,490(4,855)

Local governments etc.
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans

31,57029,76826,554

26,053(3,715)(501)

3,617,071

3,619,189

3,680,130

3,661,664

42,475(18,466)

47,141

46,77360,34861,717

14,944

1,369

- 3 -

Senshu Ikeda Holdings,Inc.

② Loans to small and medium-sized enterprises (SMEs), etc.

(Millions of yen, %)As of Mar. 31, 2014
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)2,847,679

2,850,143

2,913,325

2,913,917

63,774

592

79.43

79.43

79.68

80.08

0.65

0.40

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar. 31, 2014

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

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)2,879,923

2,881,235

2,937,404

2,937,248

56,013

(156)

79.62

79.60

79.81

80.21

0.61

0.40

(2) Deposits(Millions of yen)
As of Mar. 31, 2014

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

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

3,662,810

3,691,207

3,744,025

3,771,882

80,675

Corporation

954,524

1,022,768

1,028,510

1,037,457

14,6898,947

813,752

824,334

850,231

861,817

37,483

11,586

General corporation

27,857

Financial institutions

23,093

32,83428,145

15,200(17,634)(12,945)

Governmental funds

117,678

165,598

150,133

160,440(5,158)10,307

4,617,334

4,713,975

4,772,536

4,809,340

95,36536,80455,74267,45349,21447,183(20,270)(2,031)For the fiscal
year ended
Mar.31,2014

For the threemonths ended
June 30,2014(a)

For the fiscal
year ended
Mar.31,2015

The Senshu Ikeda Bank

222,194

55,675

231,584

50,454(5,221)

Investment trusts

136,422

34,211

151,413

29,569(4,642)

Total
Foreign currency deposits(3) Assets under Management① Investment products sales(Millions of yen)
For the threemonths ended
June 30,2015(b)(b)-(a)Public bonds

3,939

1,663

2,937

225

(1,438)Life insurance

81,83319,80077,234

20,659859

Senshu Ikeda Tokai Tokyo Securities

20,421

10,58846,533

14,487

3,899

Total

242,615

66,264

278,11764,941(1,323)② Balance of assets under management(Millions of yen)
As of Mar. 31, 2014

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)The Senshu Ikeda Bank

240,862

239,610

237,827

231,749(7,861)(6,078)Investment trusts

191,032

191,785

204,260

201,080

9,295(3,180)Public bonds

49,83047,82533,56630,669(17,156)(2,897)

Senshu Ikeda Tokai Tokyo Securities

44,36651,074

68,34676,04524,971

7,699

Total

285,229

290,685

306,173

307,794

17,109

1,621

- 4 -

Senshu Ikeda Holdings,Inc.

(4) Securities① Breakdown of security balance(Millions of yen)
As of Mar. 31, 2014

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

(c)-(a)(c)-(b)1,399,377

1,365,934

1,163,549

1,141,773(224,161)(21,776)

Government bonds

319,287

314,351

164,153

119,142(195,209)(45,011)

Local government bonds

53,64254,546

51,256

39,832(14,714)(11,424)

Corporate bonds

315,224

308,371

273,480

262,220(46,151)(11,260)

Authority bonds

189,221

187,309

197,171

192,514

5,205(4,657)

Bank debenture bonds

12,643

12,644

9,384

9,385

(3,259)1

General corporate bonds

Securities

113,358

108,418

66,92460,321(48,097)(6,603)

Stocks89,986

94,358

101,658

102,199

7,841

541

Other securities

621,236594,306

572,999

618,378

24,07245,379Foreign securities

369,427

318,347

269,125

265,633(52,714)(3,492)Euroyen bonds

30,99838,99538,99339,00057Dollar-dominated bonds

251,741

248,541

230,125

215,507(33,034)(14,618)

Euro-dominated bonds

86,68130,804―

11,118(19,686)

11,118

REIT

33,74534,61331,04032,903(1,710)1,863

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

213,286

236,625

267,719

314,653

78,02846,934

72,271

55,997

16,98012,729(43,268)(4,251)

4,777

4,719

5,115

5,187

468

72

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

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

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

542

571

590

582

11

(8)

2,407

11,915

27,695

26,614

14,699(1,081)

Stocks

14,564

19,434

31,19835,672

16,238

4,474

Bonds

1,763

1,905

1,125

643

(1,262)

(482)

179

314

35

25

(289)

(10)

Available-for-sale securities

Government bonds

163

185

161

162

(23)

1

1,420

1,405

929

455

(950)

(474)

(13,920)(9,424)(4,628)(9,701)(277)(5,073)Foreign securities(3,469)(1,496)(734)(4,316)(2,820)(3,582)Euroyen bonds

(1)

(4)

(6)

0

4

6

(3,520)(1,777)(727)(4,367)(2,590)(3,640)Local government bonds
Corporate bonds
Other securities

Dollar-dominated bonds
Euro-dominated bonds
REIT
Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership

52

284

―

50

(234)

50

(51)

1,663

2,414

1,973

310

(441)

(10,656)(9,822)(6,515)(7,554)

2,268(1,039)(8,849)(9,448)(7,017)(5,268)

4,180

1,749

257

231

206

196

(35)

(10)

- 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, 2015

Government
bonds
Local government
bonds
Corporate
bonds
Other
Total

Carrying
value

Fair value

Difference

24,99825,090―

As of Mar. 31, 2015

Unrealized gain

Unrealized loss

Carrying
value

91

91

―

24,99725,071

―

―

―

―

―

26,20726,28073

73―

27,00027,416416

416

78,20578,787582

582

Fair value

Difference

Unrealized gain

Unrealized loss

73

73

―

―

―

―

―

31,30731,390

83

83

―

―

27,00027,434

434

436

2

―

83,30583,895

590

592

2

As of June 30, 2014
Carrying
value

Fair value

Difference

25,05254

Unrealized gain
54

Unrealized loss

24,997
―

―

―

―

―

37,90638,068

161

162

0

26,00026,354

354

371

16

88,904

89,475

571

588

17

―

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

As of June 30, 2015
Carrying
Difference
value
Unrealized gain

Unrealized loss

Acquisition
cost

As of Mar. 31, 2015
Carrying
Difference
value
Unrealized gain

Unrealized loss

38,34474,01635,672

36,026353

42,24373,441

31,19831,778580

369,346

369,990

643

748

104

431,460

432,586

1,125

1,238

112

94,11894,14425

25

0

139,120

139,15535

35―

39,66939,832

162

168

5

51,09551,256

161

174

13

235,557

236,013

455

554

98

241,243

242,173

929

1,029

99

597,494

587,793(9,701)

3,631

13,333547,189542,560( 4,628)

5,855

10,484

1,005,184

1,031,799

26,61440,406

13,791

1,020,893

1,048,588

27,69538,873

11,178Acquisition
cost

As of June 30, 2014
Carrying
Difference
value
Unrealized gain

Unrealized loss

- 6 -47,234

66,66919,434

21,2401,805

612,460

614,365

1,905

1,956

51

289,039

289,353

314

319

5

54,36054,546

185

189

3

269,060

270,465

1,405

1,448

43

574,733

565,308(9,424)

3,736

13,1601,234,428

1,246,344

11,91526,93315,018Senshu Ikeda Holdings,Inc.

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

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

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

Total capital ratio (%)

10.49

10.54

10.09

10.99

0.45

0.90

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

273,932

268,401

295,891

21,95927,490Core 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)271,067

275,170

275,747

302,113

26,94326,366140,194

144,949

153,292

205,099

60,15051,807

16,164

15,634

14,711

14,242(1,392)(469)

40,00040,00040,00015,000(25,000)(25,000)

72,471

72,471

65,22465,224(7,247)

―

1,285

1,237

7,346

6,221

4,984

(1,125)

Risk weighted assets (C)2,571,273

2,596,918

2,657,817

2,691,886

94,96834,069Required capital (C×4％)

102,850

103,876

106,312

107,675

3,799

1,363

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

Total capital ratio (%)

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

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

9.69

9.76

9.27

10.18

0.42

0.91

247,822

252,097244,865

271,495

19,39826,630Core 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)248,251

252,526

250,192

276,269

23,74326,077

167,751

172,316

177,751

203,939

31,623

26,188

6,012

5,722

5,402

5,290

(432)

(112)

―

―

―

―

―

―

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

―

429

429

5,327

4,774

4,345

(553)

Risk weighted assets (C)2,557,108

2,582,586

2,639,343

2,665,464

82,87826,121Required capital (C×4％)

102,284

103,303

105,573

106,618

3,315

1,045

Total capital(A)-(B)② Consolidated(Millions of yen)
As of Mar. 31, 2014

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

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

Total capital ratio (%)

10.96

11.01

10.51

11.39

0.38

0.88

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

287,523

280,062

306,898

19,375

26,836

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)284,055

287,952

286,016

312,282

24,33026,266

174,726

179,312187,216

213,988

34,676

26,772

16,164

15,635

14,711

14,242(1,393)

(469)

―

―

―

―

―

―

91,99691,99682,79682,796(9,200)

―

429

429

5,953

5,384

4,955

(569)

Risk weighted assets (C)2,586,299

2,609,530

2,664,117

2,692,844

83,31428,727

Required capital (C×4％)

103,451

104,381

106,564

107,713

3,332

1,149

- 7 -

Senshu Ikeda Holdings,Inc.

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

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

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

8,264

8,842

6,437

6,434

(2,408)(3)

Doubtful credit

38,28939,38538,67639,348(37)

672

Substandard credit

4,264

3,971

11,192

11,148

7,177

(44)

Subtotal (A)50,81752,20056,30656,932

4,732

626

Normal credit

3,563,621

3,564,959

3,623,475

3,605,290

40,331(18,185)

Total(B)3,614,439

3,617,159

3,679,782

3,662,222

45,063(17,560)

1.40

1.44

1.53

1.55

0.11

0.02

58,89560,306

59,61459,563

(743)

(51)

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

As of June 30, 2014

As of Mar. 31, 2015

As of June 30, 2015

(a)

(b)

(c)

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

9,040

9,624

7,136

6,901

(2,723)(235)

Doubtful credit

55,43856,40848,96950,019(6,389)1,050

Substandard credit

6,706

6,369

13,53813,475

7,106

(63)

Subtotal (A)71,18572,402

69,64470,396(2,006)752

Normal credit

3,575,498

3,575,850

3,634,217

3,615,156

39,306(19,061)

Total(B)3,646,684

3,648,252

3,703,861

3,685,553

37,301(18,308)

1.95

1.98

1.88

1.91

(0.07)

0.03

59,15260,62363,03559,920(703)(3,115)

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 anote to the Balance Sheet.
Bankruptcy and quasi-bankrupt credit:
Bankruptcy and quasi-bankrupt credits represent the credits held by borrowers who have been classified as “bankrupt borrowers” and “effectively bankrupt
borrowers” by the Bank’s self-assessment.
Doubtful credit:
Doubtful credits represent the credits held by borrowers who have been classified as “potentially bankrupt borrowers” by the Bank’s self-assessment.
Substandard credit:
Substandard credits represent the credits held by borrowers who have been classified as “loans past due three months or more” and “restructured loans” among
the credits requiring special caution. (Borrowers requiring special caution: Borrowers who have concerns in lending conditions, exercising their obligations andfinancial situation, requiring special caution on their future situations.)
Normal credit:
Normal credits represent the credits held by borrowers who show no particular problems regarding financial conditions and business performances; therefore
they are classified as an item other than the aforementioned credits.

- 8 -