Financial Results for the Second Quarter of the Fiscal Year ending March 31, 2018
(Consolidated Data)
November 13, 2017
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

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

President and Representative Director:

Hirohisa Fujita

For inquiries:

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

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

November 29, 2017
December 4, 2017
None
Yes
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 Second Quarter (Interim period) of the Fiscal Year ending March 31, 2018 (April 1, 2017
September 30, 2017)(%: Changes from previous fiscal year)(1) Consolidated Operating Results
Ordinary revenue
Million yen

Profit attributable toowners of the parent

Ordinary income%

Million yen%

Million yen%

Six months ended
September 30, 2017

59,432

14.4

7,079

(40.2)

4,201(52.3)

Six months ended
September 30, 2016

51,919(7.3)

11,856

15.1

8,817

2.5

(Note) Comprehensive income:Six months ended September. 30, 2017

10,369million yen[ (23.9%) ]Six months ended September. 30, 2016

13,628million yen[(

Net income
per share

Diluted earnings
per share

Yen

Yen

Six months ended
September 30, 2017

12.87

12.09

Six months ended
September 30, 2016

29.66

24.80

%) ]

(2) Consolidated Financial Position
Total assets
As of September 30, 2017
As of March 31, 2017

Million yen
5,506,745
5,572,906

Total net assets
Million yen
255,722249,217Equity ratio
%
4.5
4.3

(Reference) capital: As of September 30, 2017 : 252,158million yen ; As of March 31, 2017 : 244,351million yen
Note:
Equity ratio is calculated as: (Total net assets at the end of period
Stock subscription rights at the end of period
controlling 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.

Non-2. Dividends
Annual Dividends per Share
First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2017

7.50

Fiscal Year ending
March 31, 2018

7.50

Fiscal Year ending
March 31, 2018
(Forecasts)
Note:

7.50

15.00

7.50

15.00

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, 2018 (April 1, 2017 March 31, 2018)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue

Full Year
Note:

Million yen
106,000%
2.8

Ordinary income
Million yen
15,000%(27.4)

Profit attributable toowners of the parent
Million yen
11,000Net income per share

%
(9.9)

Yen
35.09

Revisions of the forecasts from recently announced figures: Yes

Note

(1)

Changes in significant subsidiaries during the second quarter of the fiscal year ending March 31, 2018 : 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 September 30, 2017

281,008,632 shares

As of March 31, 2017

281,008,632 shares(b) Number of treasury shares
As of September 30, 2017

3,759,610 shares

As of March 31, 2017

4,397,012 shares(c) Average number of shares for the period under review (interim period)
Six months ended September 30, 2017276,926,115 shares

Six months ended September 30, 2016

275,743,609 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the SecondQuarter (Interim period) of the Fiscal Year ending March 31,2018 (April 1, 2017 September 30, 2017)(%: Changes from previous fiscal year)(1) Non-consolidated Operating Results
Operating income

Operating revenue
Million yen%

Million yen%

Ordinary income
Million yen

Net income%

Million yen%

Six months ended
September 30, 2017

3,210

(0.1)

2,789

(1.0)

2,808

(1.0)

2,792

(1.4)

Six months ended
September 30, 2016

3,215

(45.7)

2,818(49.3)

2,838(47.2)

2,835(47.2)Net income
per share
Yen
Six months ended
September 30, 2017

7.78

Six months ended
September 30, 2016

7.96

(2) Non-consolidated Financial Conditions
Total assets

Total net assets

Equity ratio

Million yen

Million yen%

As of September 30, 2017

208,825

206,057

98.6

As of March 31, 2017

207,964

205,708

98.8(Reference) Capital: As of September 30, 2017 : 205,952million yen ; As of March 31, 2017 : 205,603million yen
Note:

Equity ratio is calculated as: (Total net assets at the end of the period
Total assets at the end of the period.

Stock subscription rights at the end of period)/

2. Non-Consolidated Performance Forecasts for the Fiscal Year ending March 31, 2018 (April 1, 2017 March 31, 2018)(%: Changes from corresponding period of previous fiscal year)

Full Year

Operating revenue

Operating income

Ordinary income

Net income

Million yen%

Million yen%

Million yen%

Million yen

%

6,400

0.6

5,600

(0.1)

5,600

(0.7)

5,600

(0.2)

Net income per share
Yen

15.60

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)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

35.00

70.00

35.00

70.00

Fiscal Year ended
March 31, 2017

35.00

Fiscal Year ending
March 31, 2018

35.00

Fiscal Year ending
March 31, 2018
(Forecasts)(First series of seventh-class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

15.00

30.00

15.00

30.00

Fiscal Year ended
March 31, 2017

15.00

Fiscal Year ending
March 31, 2018

15.00

Fiscal Year ending
March 31, 2018
(Forecasts)

Consolidated Financial Statements(1) Consolidated Balance Sheets
As of March 31, 2017
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
Call money and bills soldPayables under repurchase agreements
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Corporate bonds and notes
Other liabilities
Provision for employees bonuses
Net defined benefit liability
Accrued retirement benefits for directors and corporate auditors
Reserve for reimbursement of deposits
Reserve for point services
Reserve for contingent losses
Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders equity
Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Stock subscription rights
Non-controlling interests
Total net assets
Total liabilities and net assets(Unit: Millions of yen)
As of September. 30, 2017

675,966
172
31
317
26,979929,505
3,813,333
6,340
61,55038,508
5,216
14,334
9,526
13,006(21,883)
5,572,906

664,101
8,080
102
200
26,671820,919
3,850,533
5,642
72,08842,103
5,110
11,7009,255
9,884(19,650)
5,506,745

4,799,493
14,8099,907
249,762
160,997583
20,00051,996
1,798
142
33
486
226
350
1
92
13,006
5,323,688

4,866,825

102,999
57,36575,244(2,097)
233,512
7,793
(139)
3,184
10,838105
4,760
249,217
5,572,906

102,999
57,361
76,702(1,792)
235,270
14,657(180)
2,411
16,888104
3,459
255,7225,506,745

159,028
139,886275
20,00051,648
2,061
149
33
519
241
341
1
127
9,884
5,251,022

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

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

For the Six months
ended September. 30, 2016

For the Six months
ended September. 30, 2017

51,91929,101
21,428
7,442
9,704
6,061
7,051
40,063
3,262
1,661
3,046
1,690
25,888
6,174
11,85659,432
25,97020,584
5,123
9,849
1,738
21,87452,352
2,694
1,344
3,387
14,37425,833
6,062
7,079

205
149
55
0
11,650
1,479
(198)
1,281
10,369
1,551
8,817

1,710
1,710
35
19
15
0
8,754
498
3,936
4,434
4,319
118
4,201

For the Six months
ended September. 30, 2016

For the Six months
ended September. 30, 2017

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

10,369

4,319

3,258
3,387
(40)
(88)

6,049
6,864
(41)
(773)

13,62810,36912,0771,550

10,251
118

(3) Consolidated Statements of Changes in Net Assets
For the six months ended September 30, 2016
(Unit: Millions of yen)
Shareholders equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

57,361

68,521

Total
shareholders
equityTreasurystock(2,678)226,203

Change of items during period
Increase by merger

8

Cash dividends

8(2,743)(2,743)

8,817

8,817

Profit attributable to ownersof the parent
Acquisition of treasury stock
Disposal of treasury stock

(4)

(0)

(0)

334

329

Net changes in items otherthan shareholders equity
Total changes during the period
Balance at the end of current period

102,999

3

6,074

333

6,412

57,36574,596(2,344)

232,616

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedgesRemeasurements ofdefinedbenefitplans

21,753

(144)

1,927

Total
Stock
accumulated subscription
otherrightscomprehensive
income23,53691

Noncontrollinginterests

Total net
assets8,172

258,005

Change of items during period
Increase by merger

8

Cash dividends(2,743)

Profit attributable to ownersof the parent

8,817

Acquisition of treasury stock(0)

Disposal of treasury stock329

Net changes in items otherthan shareholders equity

3,389

(40)

(88)

3,259

(9)

(3,472)(222)

Total changes during the period

3,389

(40)

(88)

3,259

(9)

(3,472)

6,189

Balance at the end of current period

25,142

(185)

1,839

26,79682

4,700

264,194

For the six months ended September 30, 2017
(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

Change of items during period
Cash dividends(2,743)(2,743)

4,201

4,201

Profit attributable to ownersof the parent
Acquisition of treasury stock
Disposal of treasury stock

(4)

(0)

(0)

305

300

Net changes in items otherthan shareholders equity
Total changes during the period
Balance at the end of current period

102,999

(4)

1,458

304

1,758

57,361

76,702(1,792)

235,270

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedgesRemeasurements ofdefinedbenefit
plans

7,793

(139)

3,184

Total
Stock
accumulated subscription
otherrightscomprehensive
income10,838105

Noncontrollinginterests

Total net
assets

4,760

249,217

Change of items during period
Cash dividends(2,743)

Profit attributable to ownersof the parent

4,201

Acquisition of treasury stock(0)

Disposal of treasury stock300

Net changes in items otherthan shareholders equity

6,864

(41)

(773)

6,049

(1)

(1,301)

4,746

Total changes during the period

6,864

(41)

(773)

6,049

(1)

(1,301)

6,504

Balance at the end of current period

14,657

(180)

2,411

16,888104

3,459

255,722

Contents
Second Quarter FY2017 Results (Summary of Financial Results)
1

Financial Results(1) Senshu Ikeda Holdings

Consolidated

1(2) The Senshu Ikeda Bank

Non-consolidated

2 3(1) Loans and Bills Discounted

Non-consolidated

4(2) Deposits

Non-consolidated

5(3) Assets under Management

Non-consolidated

5(4) Securities

Non-consolidated

63Interest Margins

Non-consolidated

7

4

Banking Profit

Non-consolidated

7

5

ROE

Non-consolidated

86

Number of Directors and Employees, and Branches

Non-consolidated

87

Gains and Losses on Investment Securities

Non-consolidated

8

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

Consolidated

9(2) The Senshu Ikeda Bank(domestic standard)

Consolidated
Non-consolidated

92

Information on Main Accounts

Overview of Loans and Bills Discounted
1

Risk Monitored Loans

Non-consolidated
Consolidated

102

Reserve for Possible Loan Losses

Non-consolidated
Consolidated

12

3

Reserve Ratios for Risk Monitored Loans

Non-consolidated
Consolidated

12

4

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated

13

5

Status of Coverage of Credits disclosed under the Financial
Revitalization Law

Non-consolidated

14

6Classification of Loans by Industry(1) Loans and Bills Discounted

Non-consolidated

15(2) Risk Monitored Loans

Non-consolidated

16

Self-assessment, Credits disclosed under the Financial
Revitalization Law and Risk Monitored Loans

Non-consolidated

17(1) Senshu Ikeda Holdings

Consolidated
Non-consolidated

18(2) The Senshu Ikeda Bank

Non-consolidated

19

7

FY2017 Financial Forecasts(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, status of claims under the Financial Revitalization Law, risk monitoredloans, and reserve for possible loan losses, the total amounts of The Senshu Ikeda Bank and two business rehabilitation subsidiaries
are stated as well.

Second Quarter FY2017 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 six months
ended Sep. 30, 2016(a)

For the six months
ended Sep. 30, 2017(b)

Consolidated gross profits
Net interest income
Net fees and commissions income
Net other ordinary income
General and administrative expenses (-)

36,867
25,8386,657
4,370
25,888Net disposal of nonperforming loans (-)
Provision for general reserve forpossible loan losses (-)
Written-off loans (-)
Provision for specific reserve forpossible loan losses (-)
Provision for contingent losses (-)
Gains (losses) on sales of non-performing loans (-)

1,690

17,101
23,275
6,461(12,635)
25,833
(747)

52

(52)
1,364

(b)-(a)(19,766)(2,563)(196)(17,005)(55)(2,437)955(409)(1,028)

1,028
(2)

(9)

(7)

3
823

71
(219)
1,331
(3)
14,2640(1,767)

Recoveries of written off claims
Reversal of reserve for possible loan losses
Others (-)
Net gains (losses) on equity securities
Equity in earnings of affiliates
Others

171
291
15
2,260

74
604
1,331
168
14,55515493

Ordinary income
Net extraordinary income (losses)
Income before income taxes

11,856(205)
11,650

7,079
1,674
8,754

(4,777)1,879(2,896)

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

1,281
1,479
(198)

4,434
498
3,936

3,153
(981)
4,134

ProfitProfit attributable to non-controlling interests (-)
Profit attributable to owners of the parent

10,369
1,551
8,817

4,319
118
4,201

(6,050)(1,433)(4,616)

Consolidated Statement of Comprehensive Income(Millions of yen)
24
27
28
29
30
31

Profit10,3694,319(6,050)Total other comprehensive income
Net unrealized gain (loss) on available-for-salesecurities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income

3,258

6,049

2,791

3,387

6,864

3,477

(40)
(88)
13,628(41)(773)
10,369(1)(685)(3,259)(Note) Consolidated gross profit = (Interest income - Interest expenses)+(Fees and commissions - Fees and commissions payments)+(Other ordinary income - Other ordinary expenses)―

1 ―(2) 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
46
47

Gross profit(Core gross profit)
Net interest income
Net fees and commissions income
Net other ordinary income
Net gains (losses) on debt securities
Domestic gross profit
Net interest income
Net fees and commissions income
Net other ordinary income
Net gains (losses) on debt securities
International gross profit
Net interest income
Net fees and commissions income
Net other ordinary 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 reserve forpossible loan losses)
Core banking profit
Net gains (losses) on debt securities
Provision for general reserve forpossible loan losses (-)
Banking profit
Net non-recurring gains (losses)
Credit costs (-)
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)
Ordinary income
Net extraordinary income (losses)
Income before income taxes
Total income taxes (-)
Income taxes-current (-)
Income taxes-deferred (-)
Net income
Net credit costs +―For the six months
ended Sep. 30, 2016(a)
32,69229,80925,720
3,003
3,967
2,882
25,72423,713
3,019(1,008)(1,051)
6,967
2,007
(15)
4,975
3,934
22,978
11,244
10,155
1,578

For the six months
ended Sep. 30, 2017(b)
14,301
27,325
24,6682,745(13,113)(13,024)
26,57823,808
2,783
(14)
(2)
(12,277)859(38)(13,098)(13,022)
23,33011,32910,491
1,509(b)-(a)(18,391)(2,484)(1,052)(258)(17,080)(15,906)
854
95
(236)
994
1,049
(19,244)(1,148)(23)(18,073)(16,956)
352
85
336
(69)

9,713

(9,029)(18,742)

6,830
2,882

3,994
(13,024)(2,836)(15,906)

760
8,953
1,001
(174)
92

(760)
(9,029)15,484
(914)
256

(163)

2 ―

(17,982)
14,483
(740)
164
163

(2)

(9)

(7)

(2)

(10)

(8)

270
171
308
316

182
1,137
168
14,553
14,563

(88)
1,137
(3)
14,245
14,247

8
517
9,954
(191)
9,762
1,017
1,009
7
8,745
585

9
16
6,454
1,692
8,147
3,799
(120)
3,919
4,348
(914)

1
(501)
(3,500)1,883(1,615)
2,782(1,129)3,912(4,397)(1,499)(Reference) Structure of profits (For the six months ended Sep. 30, 2017)【Gross profit】［1］Gross profit ¥ 14.3 billion

Interest income¥27.3 billion

Interest on loans and bills discounted, interest anddividends on securities, etc.

－

Interest expenses¥2.6 billion

Interest on deposits, interest on bonds, etc.

［3］Net interest income＝¥24.6 billion＋

Fees and commissions¥7.2 billion

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

－

Fees and commissions payments¥4.5 billion

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

［4］＝¥2.7 billion＋

Other ordinary income¥1.2 billion

Gains related to bonds, gains on foreign exchangetransactions, etc.

－

Other ordinary expenses¥14.3 billion
Losses related to bonds, etc.

［5］Net other ordinary income＝(¥13.1 billion)【Banking profit (before provision for general reserve for possible loan losses), Core banking profit, Banking profit】［21］Banking profit (before provision forgeneral reserve for possible loan losses)(¥9.0 billion)¥23.3 billion［17］Expenses⇒

Personnel, non-personnel, taxes[1]－[17][23]［1］Gross profit¥14.3 billion⇒⇒

Net gains (losses) on debt
securities(¥13.0 billion)［22］Core banking profit¥3.9 billion［1]－[17]－[23]［24］Provision for general reserve forpossible loan losses¥ - billion［25］Banking profit[1]－[17]－[24](¥9.0 billion)【Ordinary income】

Non-recurring income＋［25］Banking profit¥16.3 billion

Gains on sales of equity securities

Non-recurring expenses(¥9.0 billion)－＝¥0.8 billion［40］Ordinary income¥6.4 billion

Disposal of non-performing loans, losses related
to stocks, severance payment【Net income】＋［41］Net extraordinary income (losses)¥1.6 billion
Impairment of non-current assets, etc.

［40］Ordinary income¥6.4 billion－［44］Income taxes-current(¥0.1 billion)－［45］Income taxes-deferred¥3.9 billion―

3 ―［46］Net income¥4.3 billion

2. Information on Main Accounts
The Senshu Ikeda Bank Non-consolidated(1) Loans and Bills Discounted
Breakdown of loan balance(Millions of yen)
As of Mar.
31, 2016
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

2,021,670
1,730,397
1,701,561
28,8353,752,067
62,100

As of Sep.
30.2016(a)2,027,125
1,724,824
1,692,821
32,0033,751,950
57,667

As of Mar.
31, 2017(b)
2,064,282
1,746,889
1,710,333
36,556
3,811,171
53,864As of Sep.
30, 2017(c)
2,094,695
1,759,990
1,719,576
40,4133,854,685
52,090(c)-(a)67,57035,166
26,755
8,410
102,735(5,577)(c)-(b)30,413
13,101
9,243
3,857
43,514(1,774)464,438
1,261,284
219,574
77,321
1,729,448
3,752,067

459,982
1,298,950
195,10274,636
1,723,278
3,751,950

456,259
1,350,077
186,091
74,5001,744,242
3,811,171

452,774
1,401,033
169,087
75,036
1,756,753
3,854,685(7,208)102,083(26,015)400
33,475
102,735(3,485)50,956(17,004)536
12,511
43,514

Average Balance

3,638,361

3,720,074

3,732,105

3,790,457

70,38358,352As of Mar.
31, 2017(b)
2,076,488
1,746,889
1,710,333
36,556
3,823,377
53,864As of Sep.
30, 2017(c)
2,106,528
1,759,990
1,719,576
40,4133,866,518
52,090(c)-(a)64,53035,166
26,7558,410
99,695(5,577)(c)-(b)30,04013,1019,243
3,857
43,141(1,774)

Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2016
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

2,042,644
1,730,397
1,701,561
28,835
3,773,041
62,100

As of Sep.
30.2016(a)2,041,998
1,724,824
1,692,821
32,003
3,766,823
57,667464,438
1,281,899
219,574
77,321
1,729,807
3,773,041

459,982
1,313,802
195,10274,636
1,723,299
3,766,823

456,259
1,361,857
186,091
74,5001,744,668
3,823,377

452,774
1,412,631
169,087
75,036
1,756,989
3,866,518(7,208)98,829(26,015)400
33,69099,695(3,485)50,774(17,004)536
12,32143,141

Average Balance

3,661,043

3,740,183

3,748,696

3,802,449

62,26653,753As of Sep.
30.2016(a)
3,022,229
80.55

As of Mar.
31, 2017(b)
3,094,320
81.19

As of Sep.
30, 2017(c)
3,157,787
81.92

As of Sep.
30.2016(a)
3,037,102
80.62

As of Mar.
31, 2017(b)
3,106,525
81.25

As of Sep.
30, 2017(c)
3,169,620
81.97

Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar.
31, 2016
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

2,990,733
79.70(c)-(a)135,558
1.37(c)-(b)63,4670.73

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2016
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

3,011,706
79.82

―

4 ―

(c)-(a)132,518
1.35(c)-(b)63,0950.72

(2) Deposits(Millions of yen)
As of Mar.
31, 2016

As of Sep.
30.2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

Total
Foreign currency deposits

3,726,769
67,9601,050,926
911,572
10,056129,297
4,777,696
18,862

3,746,111
70,8691,046,607
937,247
6,856
102,504
4,792,719
20,324

3,783,872
67,827
1,064,425
979,458
15,612
69,354
4,848,297
15,472Average Balance

4,741,066

4,777,268

4,787,905

Individual
Online branch
Corporation
General corporation
Financial institutions
Governmental funds

3,814,863
60,872
1,100,280
992,781
5,847
101,651
4,915,144
17,185(c)-(a)68,752(9,997)53,67355,534(1,009)(853)
122,425(3,139)(c)-(b)30,991(6,955)35,855
13,323(9,765)32,297
66,847
1,713

4,865,066

87,79877,161(3) Assets under Management
Investment products sales(Millions of yen)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2016 Sep. 30, 2016 Mar. 31, 2017 Sep. 30, 2017(a)(b)
The Senshu Ikeda Bank
Investment trusts
Public bonds
Life insurance
Senshu Ikeda Tokai Tokyo Securities
Total

168,343
87,445
1,066
79,831
48,102
216,445

70,65533,672500
36,481
18,78489,440137,361
85,027766
51,56846,211
183,572

81,74445,453363
35,92727,921
109,666(b)-(a)11,08911,781
(137)
(554)
9,137
20,226

Balance of assets under management (individual)(Millions of yen)
As of Mar.
31, 2016
Deposits
Investment trustsLife insurance
Public bonds
Senshu Ikeda Tokai Tokyo Securities
Total

3,726,769
183,895
501,062
17,752
72,632
4,502,112

As of Sep.
30.2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

3,746,111
175,305
494,106
14,731
79,3994,509,654

3,783,872
190,619
508,016
12,821
93,416
4,588,746

3,814,863
186,047
519,037
11,566105,685
4,637,200(c)-(a)68,752
10,742
24,931(3,165)26,286
127,546(c)-(b)30,991(4,572)
11,021(1,255)
12,26948,454(Reference) Balance of assets under management(Millions of yen)

The Senshu Ikeda Bank
Investment trusts
Public bonds
Senshu Ikeda Tokai Tokyo Securities
Total

As of Mar.
31, 2016

As of Sep.
30.2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

216,205
192,067
24,13881,701
297,907

202,346
182,943
19,403
89,955292,302215,356
198,407
16,949105,805
321,162

209,081
193,826
15,255
121,067
330,149―5 ―(c)-(a)
6,735
10,883(4,148)31,112
37,847(c)-(b)(6,275)(4,581)(1,694)
15,262
8,987

(4) Securities
Breakdown of security balance(Millions of yen)

Securities
Government bonds
Local government bonds
Corporate bonds
Authority bonds
Bank debenture bonds
General corporate bonds
StocksOther securities
Foreign securities
Euroyen bonds
Dollar-dominated bonds
Euro-dominated bonds
REIT
Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership
Average Balance

As of Mar.
31, 2016

As of Sep.
30.2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

1,051,825
76,25949,338277,505
205,420
15,42956,65690,783557,938
249,540
27,000172,052
50,482
34,027

1,085,706
67,13643,318274,767
202,088
15,43357,245
91,132609,351
291,72127,000264,715

845,020
87,13442,603245,775
185,373

34,668954,21462,05032,269237,668
184,463
7,419
45,785
94,340527,885
291,884
22,000220,649
49,22931,304

267,881275,599

6,487
1,066,378(c)-(a)(c)-(b)60,402
79,999389,506
186,126
13,000117,32055,80032,930(240,686)
19,998(715)(28,992)(16,715)(15,433)
3,157(11,133)(219,845)(105,595)(14,000)(147,395)
55,800(1,738)(109,194)
25,084
10,334
8,107
910(7,419)14,617(14,341)(138,379)(105,758)(9,000)(103,329)
6,571
1,626

196,497

161,918(113,681)(34,579)

7,362

8,199

8,531

1,169

332

1,083,275

1,034,835

850,399(232,876)(184,436)

161

Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2016
Held-to-maturity debt securities
Available-for-sale securities
Stocks
Bonds
Government bonds
Local government bonds
Corporate bonds
Other securities
Foreign securities
Euroyen bonds
Dollar-dominated bonds
Euro-dominated bonds
REIT
Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership

As of Sep.
30.2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

465
28,73028,336
2,396
109
188
2,098
(2,001)
2,165

414
33,70628,982
2,523
107
209
2,205
2,201
1,774

271
14,82736,060
743
38
140
564
(21,977)(16,226)

1,465
700

1,774

3,514
(7,770)124
18,382
24,301
703
136
65
502
(6,622)(2,494)(c)-(a)(290)(15,324)(4,681)(1,820)29(144)(1,703)(8,823)(4,268)(c)-(b)(147)
3,555(11,759)
(40)
98
(75)
(62)
15,355
13,732(13,174)(3,052)(759)(1,734)(2,533)(1,734)

12,415
1,318

3,018(2,705)2,886(8,632)

1,772(5,892)(1,246)(3,187)(1,114)
2,740

113

(4)

(8)

(121)

(4)

(62)
88

―

6 ―

3. Interest Margins
The Senshu Ikeda Bank Non-consolidated
All business(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2016 Sep. 30, 2016 Mar. 31, 2017 Sep. 30, 2017
(a)
(b)
(c)
Average yield on interest
earning assets (A)Average yield on loans andbills discounted(B)Average yield on securities
Average yield on interest
bearing liabilities (C)Average yield on deposits andnegotiable (including expenses) (D)Average yield on
deposits and negotiable
Expense ratio
Average yield on external liabilities
Average interest rate spread (A)-(C)Difference between average yieldon loans and deposits (B) - (D)(c)-(a)(c)-(b)

1.28

1.19

1.18

1.16

(0.03)(0.02)

1.24

1.15

1.14

1.08

(0.07)(0.06)

1.48

1.37

1.35

1.54

0.17

0.19

1.03

0.99

1.02

0.99

0.00

(0.03)

1.04

1.02

1.03

1.00

(0.02)(0.03)

0.09

0.06

0.06

0.05

(0.01)(0.01)

0.95
0.53
0.25

0.95
0.34
0.20

0.96
0.35
0.16

0.95
0.26
0.17

0.00
(0.08)(0.03)(0.01)(0.09)
0.01

0.20

0.13

0.11

0.08

(0.05)(0.03)

Domestic business(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2016 Sep. 30, 2016 Mar. 31, 2017 Sep. 30, 2017
(a)
(b)
(c)
Average yield on interest
earning assets (A)Average yield on loans andbills discounted(B)Average yield on securities
Average yield on interest
bearing liabilities (C)Average yield on deposits andnegotiable (including expenses) (D)Average yield on
deposits and negotiable
Expense ratio
Average yield on external liabilities
Average interest rate spread (A)-(C)Difference between average yieldon loans and deposits (B) - (D)(c)-(a)

1.14

1.13

1.12

(0.02)(0.01)

1.25

1.15

1.13

1.07

(0.08)(0.06)

1.40

1.23

1.23

1.52

0.29

0.29

1.00

0.96

0.97

0.94

(0.02)(0.03)

1.00

0.97

0.98

0.96

(0.01)(0.02)

0.09

0.06

0.06

0.05

(0.01)(0.01)

0.90
0.56
0.25

0.91
0.24
0.18

0.91
0.17
0.16

0.91
0.07
0.18

0.00
(0.17)
0.00

0.00(0.10)
0.02

0.25

0.18

0.15

0.11

(0.07)(0.04)

4. Banking Profit
The Senshu Ikeda Bank Non-consolidated(Millions of yen)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2016 Sep. 30, 2016 Mar. 31, 2017 Sep. 30, 2017(a)(b)(b)-(a)Banking profit (before provision forgeneral reserve for possible loan losses)
Per head(thousands of yen )Core banking profit
Per head(thousands of yen )Banking profit
Per head(thousands of yen )(c)-(b)1.25

12,162

9,713

14,421(9,029)(18,742)

4,784
18,481
7,270
12,110
4,763

3,782
6,830
2,660
8,953
3,486

5,686
9,109
3,592
12,313
4,855(3,406)
3,994
1,506(9,029)(3,406)(7,188)(2,836)(1,154)(17,982)(6,892)―7 ―5. ROE
The Senshu Ikeda Bank Non-consolidated(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2016 Sep. 30, 2016 Mar. 31, 2017 Sep. 30, 2017
(a)
(b)
(c)
Banking profit (before provision forgeneral reserve for possible loan
losses) basis
Banking profit basis
Core banking profit basis
Net income basis(c)-(a)(c)-(b)

5.54

8.10

6.27

(7.84)(15.94)(14.11)

5.52
8.42
6.57

7.46
5.69
7.29

5.35
3.96
4.57

(7.84)
3.47
3.77(15.30)(2.22)(3.52)(13.19)(0.49)(0.80)

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017
(c)

31
2,523
2,554

31
2,454
2,485

35
2,606
2,641

6. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank Non-consolidated
Employees and Officers(Number of people)
As of Mar.
31, 2016
30
2,456
2,486

Directors and auditors
Employees
Total(c)-(a)(c)-(b)
4
83
87

4
152
156

Note: Directors and auditors includes executive officers
Employees excludes employees temporarily seconded to other companies and temporary staff.
Branches(Number of branches)
As of Mar.
31, 2016
Branches
Sub-branches
Total(Reference) ATMs

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017
(c)

133
5
138
228

136
5
141
228

136
5
141
231

134
5
139
225

(c)-(a)(c)-(b)3
3
3

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 six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2016 Sep. 30, 2016 Mar. 31, 2017 Sep. 30, 2017(a)(b)(b)-(a)(6,318)2,882
5,312(13,024)(15,906)
5,312
4,666
9,191
850
(3,816)
11,631

1,669

114

3,879

13,875

12,206(114)(Millions of yen)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2016 Sep. 30, 2016 Mar. 31, 2017 Sep. 30, 2017(a)(b)(b)-(a)
7,228
308
5,102
14,553
14,245
7,628
316
5,131
14,563
14,247
358
20
9
1
41
8
8

―

8 ―

3

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

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%)

As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

10.59
288,687
297,30910.42
287,539
296,01210.59
261,985
273,39710.34
257,560
267,633(c)-(a)(0.08)(29,979)(28,379)(c)-(b)(0.25)(4,425)(5,764)208,220

214,800

215,696

217,491

2,691

1,795

13,893

9,856

9,960

9,241

(615)

(719)

15,00015,00015,00015,00057,97754,13729,29022,760(31,377)(6,530)

8,622

8,472
2,758,340
110,333

11,412
2,473,114
98,924

10,0732,489,233
99,5691,601(269,107)(10,764)(1,339)16,119645

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

11.10
302,595
310,379

10.35
285,463
293,502

10.48
259,054
270,115

222,020

228,234

13,8932,724,851
108,994(2) The Senshu Ikeda Bank (domestic standard)
Consolidated(Millions of yen)
As of Mar.
31, 2016
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%)

10.22
254,053
263,881(c)-(a)(0.13)(31,410)(29,621)(c)-(b)(0.26)(5,001)(6,234)

228,852

230,270

2,036

1,418

9,856

9,960

9,241

(615)

(719)

73,59754,56029,29022,760(31,800)(6,530)7,784
2,725,680
109,027

8,039
2,755,838
110,233

11,0602,470,055
98,8029,827
2,483,451
99,3381,788(272,387)(10,895)(1,233)
13,396536

Non-consolidated(Millions of yen)

Total capital ratio (%)

As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

9.90
267,748
275,348

9.74
267,187
274,463

9.77
236,411245,7719.60
232,249
240,562(c)-(a)(0.14)(34,938)(33,901)(c)-(b)(0.17)(4,162)(5,209)Total capital(A)-(B)Core capital (A)Common stock,
216,248
215,213
216,761513
1,548
210,303
internal reserves, etc.
Reserve
5,455
6,215
3,557
2,300
(3,915)(1,257)
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
59,59052,00027,00021,500(30,500)(5,500)capital raising instruments
Deduction (B)
7,599
7,275
9,359
8,312
1,037
(1,047)
Risk weighted assets (C)2,704,408
2,741,855
2,418,518
2,418,997(322,858)
479
96,759(12,915)
19
Required capital (C ×4%)
108,176
109,674
96,740(Note) We have calculated risk-weighted assets according to the Foundation Internal Ratings-Based Approach as of Mar. 31, 2017.
Until Sep. 30, 2016, we used the Standard Approach.

―9 ―Overview of Loans and Bills Discounted
1. Risk Monitored Loans
The Senshu Ikeda Bank
Non-consolidated(Millions of yen)

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

1,750
39,801
5
10,59952,156

1,785
33,583
5
10,56245,936916
31,457

1,558
28,241

10,49542,868

8,134
37,934(Note) Amount of partial direct write-off
As of Sep. 30, 2017: Loans to bankrupt borrowers
As of Mar. 31, 2017: Loans to bankrupt borrowers
As of Sep. 30, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers

10,781million yen
9,922million yen
10,920million yen
10,884million yen

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans(c)-(a)(227)(5,342)(5)(2,428)(8,002)(c)-(b)642(3,216)(2,361)(4,934)

20,111million yen
20,953million yen
26,871million yen
21,785million yen(Millions of yen)

As of Sep.
30. 2016(a)
3,751,950

As of Mar.
31, 2017(b)
3,811,171

As of Sep.
30, 2017(c)
3,854,685

As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017
(c)

0.04
1.06

0.04
0.89

0.02
0.82

0.04
0.73

0.00

0.00

0.28
1.39

0.28
1.22

0.27
1.12

0.21
0.98

As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

1,750
49,081
5
12,834
63,671

1,785
45,781
5
10,83558,408916
42,314

1,558
38,795

10,75553,985

8,384
48,738

As of Mar.
31, 2016
Loans and bills discounted

3,752,067(c)-(a)102,735(c)-(b)43,514(%)

Loans to bankrupt borrowers

Ratio oftotal loans
and bills
discounted

Delinquent loans
Loans past due
three months or more
Restructured loans
Total(c)-(a)(0.00)(0.16)(c)-(b)0.02(0.09)(0.00)(0.07)(0.24)(0.06)(0.14)(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total(Note) Amount of partial direct write-off
As of Sep. 30, 2017: Loans to bankrupt borrowers
As of Mar. 31, 2017: Loans to bankrupt borrowers
As of Sep. 30, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers

10,781million yen
9,922million yen
10,920million yen
10,928million yen

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans(c)-(a)(c)-(b)(227)(6,986)(5)(2,451)(9,670)642(3,519)(2,371)(5,247)

24,429million yen
25,251million yen
31,784million yen
22,544million yen(Millions of yen)

As of Mar.
31, 2016
Loans and bills discounted

3,773,041

As of Sep.
30. 2016(a)
3,766,823―

10 ―As of Mar.
31, 2017(b)
3,823,377

As of Sep.
30, 2017(c)
3,866,518(c)-(a)99,695(c)-(b)43,141(%)
As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017
(c)

0.04
1.30

0.04
1.21

0.02
1.10

0.04
1.00

0.00

0.00

0.34
1.68

0.28
1.55

0.28
1.41

0.21
1.26

As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

2,628
50,252
5
12,83465,721

2,583
47,011
5
10,83560,436

1,621
43,0992,112
39,59010,75555,476

8,384
50,087Loans to bankrupt borrowers

Ratio oftotal loans
and bills
discounted

Delinquent loans
Loans past due
three months or more
Restructured loans
Total(c)-(a)(0.00)(0.21)(c)-(b)0.02(0.10)(0.00)(0.07)(0.29)(0.07)(0.15)

Consolidated(Millions of yen)

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total(Note) Amount of partial direct written-off
As of Sep. 30, 2017: Loans to bankrupt borrowers
As of Mar. 31, 2017: Loans to bankrupt borrowers
As of Sep. 30, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers

11,644million yen
10,737million yen
12,044million yen
12,006million yen

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans(c)-(a)(471)(7,421)(5)(2,451)(10,349)(c)-(b)491(3,509)(2,371)(5,389)25,512million yen
26,313million yen
33,127million yen
23,782million yen(Millions of yen)

As of Mar.
31, 2016
Loans and bills discounted

3,765,182

As of Sep.
30. 2016(a)3,759,044

As of Mar.
31, 2017(b)
3,813,333

As of Sep.
30, 2017(c)
3,850,533

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017
(c)

0.06

0.04

0.05

(c)-(a)91,489(c)-(b)37,200(%)

As of Mar.
31, 2016
Loans to bankrupt borrowers

0.06(c)-(a)(0.01)(0.23)(c)-(b)0.01(0.11)

Delinquent loans
1.33
1.25
1.13
1.02
Ratio oftotal loans Loans past due
0.00
0.00
(0.00)
and bills
three months or morediscounted Restructured loans
0.34
0.28
0.28
0.21
(0.07)(0.07)
1.30(0.30)(0.15)
Total
1.74
1.60
1.45
(Notes) 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 ordelinquent 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.

―

11 ―

2. Reserve for Possible Loan Losses
The Senshu Ikeda Bank
Non-consolidated(Millions of yen)

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

As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

16,232

11,33912,188

10,281(c)-(a)(1,058)(c)-(b)(1,907)

5,455

6,215

7,562

7,231

1,016

(331)

10,777

5,123

4,625

3,049

(2,074)(1,576)

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

25,742

17,251

17,993

10,416

6,672

7,654

15,325

10,579As of Mar.
31, 2016(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2016
Reserve for possible loan losses
General reserve for possible
loan losses
Specific reserve for possible
loan losses

15,923(c)-(a)(1,328)(c)-(b)(2,070)

7,305

633

(349)

10,338

8,617(1,962)(1,721)

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

30,483

21,693

21,883

19,650(c)-(a)(2,043)(c)-(b)(2,233)

13,893

9,856

10,525

9,960

104

(565)

16,58911,837

11,3589,689(2,148)(1,669)As of Sep.
30. 2016(a)24.68

As of Mar.
31, 2017(b)
28.43

As of Sep.
30, 2017(c)
27.10

As of Sep.
30. 2016(a)29.53

As of Mar.
31, 2017(b)
33.32

As of Sep.
30, 2017(c)
32.67

As of Sep.
30. 2016(a)35.89

As of Mar.
31, 2017(b)
39.44

As of Sep.
30, 2017(c)
39.23

Consolidated(Millions of yen)

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

3. Reserve Ratios for Risk Monitored Loans
The Senshu Ikeda Bank
Non-Consolidated(%)
As of Mar.
31, 2016
Reserve ratios

31.12(c)-(a)2.42(c)-(b)(1.33)(Reference)
Including two business rehabilitation subsidiaries(%)
As of Mar.
31, 2016
Reserve ratios

40.42(c)-(a)3.14(c)-(b)(0.65)

Consolidated(%)
As of Mar.
31, 2016
Reserve ratios

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

―

12 ―

(c)-(a)3.34(c)-(b)(0.21)

4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank Non-consolidated(Millions of yen, %)As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Subtotal (A)Normal credit

4,648
37,14910,60452,4033,720,083

4,317
31,257
10,567
46,142
3,725,153

3,016
29,54010,49543,052
3,787,777

3,803
26,1038,134
38,041
3,834,516(c)-(a)(514)(5,154)(2,433)(8,101)
109,363(c)-(b)787(3,437)(2,361)(5,011)
46,739Total (B)

3,772,486

3,771,296

3,830,830

3,872,558

101,262

41,728

1.38

1.22

1.12

0.98

(0.24)(0.14)

32,87937,981

31,11031,090(6,891)(20)

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

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Subtotal (A)Normal credit

4,845
46,233
12,84063,9183,729,542

6,615
41,157
10,841
58,614
3,727,555

3,469
39,944
10,75554,1703,788,865

4,218
36,242
8,384
48,845
3,835,546(c)-(a)(2,397)(4,915)(2,457)(9,769)107,991(c)-(b)749(3,702)(2,371)(5,325)46,681

Total(B)

3,793,461

3,786,169

3,843,035

3,884,391

98,222

41,356

1.68

1.54

1.40

1.25

(0.29)(0.15)

33,68342,89435,40835,409(7,485)1Non-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.

―

13 ―

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, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

Coverage amount (C)Reserve for possible loan losses
Collateral and guarantees

47,09813,66433,43341,022
8,777
32,24538,0407,959
30,08032,527
5,519
27,007(c)-(a)(8,495)(3,258)(5,238)(c)-(b)(5,513)(2,440)(3,073)Coverage ratio(C)/(A)

89.87

88.90

88.35

85.50

(3.40)(2.85)

Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2017)(Millions of yen, %)Coverage amountCredit amount
Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Total

3,803
26,1038,134
38,041

Reserve forpossible loan
lossesCollateral andguarantees

Coverage ratio

279
2,631
2,608
5,519

3,524
20,135
3,347
27,007100.00
87.21
73.22
85.50

3,803
22,767
5,956
32,527(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2016

As of Sep.
30. 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

Coverage amount (C)Reserve for possible loan losses
Collateral and guarantees

56,08818,78837,30052,053
14,322
37,73147,87813,70034,17842,099
11,14730,952(c)-(a)(9,954)(3,175)(6,779)(c)-(b)(5,779)(2,553)(3,226)

Coverage Ratio (C)/(A)

87.74

88.80

88.38

86.18

(2.62)(2.20)

Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2017)(Millions of yen, %)Coverage amountCredit amount
Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Total

4,218
36,242
8,384
48,845

4,218
31,8096,071
42,099―14 ―Reserve forpossible loan
lossesCollateral andguarantees

Coverage ratio

390
8,088
2,668
11,147

3,827
23,721
3,403
30,952100.00
87.76
72.40
86.18

6. Classification of Loans by Industry
The Senshu Ikeda Bank Non-consolidated(1) Loan and Bills Discounted(Millions of yen)Domestic(excluding JOM account)
Manufacturing
Agriculture and forestry
Fishery
Mining, quarrying and gravel
extraction
Construction
Electricity, gas, heat and watersupplyInformation and communication
Transportation and postal activities
Wholesale and retail trade
Finance and insurance activities
Real estate and rental activities
Academic research, professional
and technical services
Accommodation and food service
activities
Life related services andentertainment
Education and study support
activities
Medical and welfare
Other services
Local governments
Others

As of Mar.
31, 2016

As of Sep.
30, 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

3,752,067
347,553846
140

3,751,950
345,335922
68

3,811,171
342,635760
423,854,685
342,621599
56(c)-(a)102,735(2,714)(323)(12)(c)-(b)43,514
(14)
(161)
14

193

214

304

285

71

(19)

86,29788,007

91,274

94,592

6,585

3,318

15,37815,22916,22815,931702(297)

13,593
100,739
257,357
177,937
537,087

13,683103,314264,008
173,029
550,619

13,356
106,691
268,656
174,496
570,921

13,397
105,325
277,429
177,717595,168

(286)
2,011
13,421
4,688
44,54941(1,366)
8,773
3,221
24,247

11,951

12,79013,114

12,710

(80)

(404)

24,87525,231

26,79329,028

3,797

2,235

14,466

14,782

15,21915,630

848

411

8,355

9,305

9,917

9,644

339

(273)

50,24075,239219,574
1,810,234

61,91276,504
195,102
1,801,887

68,98583,666
186,091
1,822,015

74,13685,678169,087
1,835,643

12,224
9,174(26,015)33,756

5,151
2,012(17,004)
13,628―15 ―(2) Risk Monitored Loans(Millions of yen)
As of Mar.
31, 2016
Domestic(excluding JOM account)
Manufacturing
Agriculture and forestry
Fishery
Mining, quarrying and gravel
extraction
Construction
Electricity, gas, heat and watersupplyInformation and communication
Transportation and postal activities
Wholesale and retail trade
Finance and insurance activities
Real estate and rental activities
Academic research, professional
and technical services
Accommodation and food service
activities
Life related services andentertainment
Education and study support
activities
Medical and welfare
Other services
Local governments
Others

As of Sep.
30, 2016(a)

As of Mar.
31, 2017(b)

As of Sep.
30, 2017(c)

52,156
14,887441

45,9369,542
438

42,868
7,862
438

4,943

4,663

209

37,9347,796435(c)-(a)(8,002)(1,746)(3)(c)-(b)(4,934)
(66)
(3)

4,547

4,316

(347)

(231)

151

150

150

(1)

0

243
707
4,678
766
13,021

335
632
5,143
673
12,853

324
362
5,116
636
12,506

278
489
5,492
649
8,116

(57)
(143)
349
(24)
(4,737)

(46)
127
376
13
(4,390)

316

312

294

160

(152)

(134)

630

689

728

518

(171)

(210)

395

342

339

326

(16)

(13)

8

8

21

21

13

0

879
1,479

871
1,624

862
1,588

871
1,550

0
(74)

9
(38)

8,548

7,654

7,087

6,758

(896)

(329)

―

16 ―

7. Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank Non-consolidated(As of Sep. 30, 2017)(Billions of yen, %)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

Borrower classification underself-assessment guidelines(Credit exposures)
Credit-related loans including loans andbills discounted
Category
Classification
Category
Category
Category Category
Outstanding loans

Bankrupt

0.6

0.9

1.5
Effectively
bankrupt

0.9

14.1

8.5

26.1
Requiring
specialcaution
Watch
list

(

)

(0.2)

(0.0)

1.2

2.2
Potentiallybankrupt

(0.0)

3.3

Doubtful

(2.6)

26.1

1.1

Total

(Notes)

20.1

3.3

10.5

0.2

2.6

2.6

Classification

Outstandingbalance ofloans

Loans tobankrupt
borrowers

1.5

Delinquent
loans

28.2

100.00

87.21

73.22

8.1

Loans past due
three months or
more
Restructured
loans

8.1

Subtotal

47.8

38.0

61.8

Normal
3,834.5

Normal

3,872.5

3.5

Coverageratio

Substandard

109.7

3,721.1

Bankruptcy
andquasibankrupt

Reserve

3.8

11.7
Other
borrowers
requiring
cautionClassification
Secured or
Outstanding
guaranteedloans

Risk monitored loans

3,721.1

3,785.9

83.2

(0.0)

5.5

85.50

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
to total credit: 0.98%

Total

3.3
(2.8)

27.0

Total

Ratio of risk managed loans tototal loans: 0.98%

Loans and bills
discounted

3,872.5

37.9

3,854.6

1. Japanese yen amounts are rounded down to the nearest billion 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.
Claims secured by reserve for possible loan losses, superior guarantee reserved by Credit Guarantee
Category :Corporation.
Category :Claims secured by general collateral or guarantee such as mortgage collateral.
Category and : All or part of claims are secured, and claims already secured are posted as Category .
4. ( ) in Borrower classification under self-assessment guidelines (Credit exposures) represent reserved amounts forclassified loans.

―

17 ―

Ⅲ FY2017 Financial Forecasts(1) Senshu Ikeda Holdings① Financial forecasts【Consolidated】(Millions of yen)

Ordinary revenue

For the fiscal year
ended Mar. 31,
2017(Result)
103,065

For the fiscal year
ending Mar. 31,
2018(Forecast)
106,000

Ordinary income

20,66815,000

Profit attributable to owners of the parent

12,21011,000【Non‐consolidated】(Millions of yen)

Operating revenue

For the fiscal year
ended Mar. 31,
2017(Result)
6,358

For the fiscal year
ending Mar. 31,
2018(Forecast)
6,400

Operating income

5,605

5,600

Ordinary income

5,642

5,600

Net income

5,616

5,600

② Cash dividends

For the fiscal year
ended Mar. 31, 2017
(Result)

For the fiscal year
ending Mar. 31,
2018(Forecast)¥ 7.50For the fiscal year
ending Mar. 31,
2018 (Forecast)Common stock¥ 15.00

For the six months
ended Sep. 30, 2017
(Projection)¥ 7.50Third‐class preferred stock¥ 70.00¥ 35.00¥ 35.00¥ 70.00

First series of seventh‐class preferred stock¥ 30.00¥ 15.00¥15.00¥ 30.00③ Capital ratio(%)

Capital ratio(Consolidated)

As of Mar. 31, 2017
(Result)

As of Sep. 30, 2017
(Preliminary figures)

As of Mar. 31, 2018
(Forecast)

10.59

10.34

Approx. 11

④ ROE

(%)

Shareholders’ equity ROE (Profit
attributable to owners of theparent)

For the fiscal year
ended Mar. 31,
2017(Result)

For the six months
ended Sep. 30, 2017
(Result)

For the fiscal year
ending Mar. 31,
2018(Forecast)

5.31

3.57

Approx. 5(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

―

18 ―

¥ 15.00

(2) The Senshu Ikeda Bank
① Financial forecasts【Non‐consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31,
2017(Result)

For the fiscal year
ending Mar. 31,
2018(Forecast)Ordinary revenue

87,94590,000Ordinary income

16,396

12,500Net income

10,511

10,000Banking profit
Banking profit(before reversal of(provision for) general reserve forpossible loan losses)

12,313

ሺ2,000)14,421(2,000)Core banking profit

9,109

9,500

Net credit costs

1,933

500

② Capital ratio(%)
As of Mar. 31, 2017
(Result)

As of Sep. 30, 2017
(Preliminary figures)

As of Mar. 31, 2018
(Forecast)

Capital ratio(Consolidated)

10.48

10.22

Approx. 11

Capital ratio(Non‐consolidated)

9.77

9.60

First half of 10―

19 ―