Financial Results for the Fiscal Year ended March 31, 2016
(Consolidated Data)
May 11, 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 General Meeting of Shareholders

June 28, 2016

Scheduled date for filing securities report:

June 29, 2016

Scheduled date to commence dividend payments:

June 29, 2016

Segregated trading accounts:

None

Supplementary material on financial results:

Yes (Selected financial information)

Financial results presentation meeting:Yes (Analysts, institutional investors)(Japanese yen amounts of less than 1 million and first decimal place have been rounded down)

1. Financial Results for the Fiscal Year ending March 31, 2016
(April 1, 2015－March 31, 2016)(1) Consolidated Operating Results(%: Changes from previous fiscal year)
Profit attributable toOrdinary income
owners of the parent
Million yen%
Million yen%

Ordinary revenue
Million yen%

Fiscal year ended
March 31, 2016

110,347(3.4)

22,335

4.6

16,472(6.3)

Fiscal year ended
March 31, 2015

114,324

9.0

21,342

21.5

17,584

5.9(Note) Comprehensive income:Fiscal year ended March 31, 2016: 12,797 million yen[ (71.6%) ]Fiscal year ended March 31, 2015: 45,069 million yen[ 389.7% ]Net income
per share

Diluted earnings
per share

Return on
net assets

Ordinary income
on total assets

Ordinary income
on ordinary
revenue

Yen

Yen

%

%

%

Fiscal year ended
March 31, 2016

55.07

47.49

6.9

0.4

20.2

Fiscal year ended
March 31, 2015

66.38

66.34

8.5

0.3

18.6

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

Fiscal year ended March 31, 2016:(3) million yen

Fiscal year ended March 31, 2015:

40 million yen(2) Consolidated Financial Position
Total assets

Total net assets

Equity ratio

Net assets per share

Million yen

Million yen%

Yen

As of March 31, 2016

5,406,626

258,005

4.6

759.29As of March 31, 2015

5,519,533

234,7884.0

774.83(Reference) capital: As of March 31, 2016: 249,740 million 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 － Minority
interests at the end of period)/ Total assets at the end of period.

(3) Consolidated Cash Flows
Cash flows fromoperating activities

Cash flows frominvesting activities

Cash flows fromfinancing activities

Cash and cash
equivalents at
end of year

Million yen

Million yen%

Yen

Fiscal year ended
March 31, 2016

(176,158)

102,002(4,660)453,968

Fiscal year ended
March 31, 2015

51,639287,566(12,839)

532,484

2. Dividends
Annual Dividends per ShareDividend on
Dividend
Net Assets
payout ratio(Consolidated) (Consolidated)

First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

AnnualDividends(Total)

Yen

Yen

Yen

Yen

Yen

Million yen%%

Fiscal Year ended
March 31, 2015

－

0.00

－

15.00

15.00

3,573

22.5

2.1

Fiscal Year ended
March 31, 2016

－

7.50

－

7.50

15.00

4,211

27.2

1.9

Fiscal Year ending
March 31, 2017
(Forecasts)

－

7.50

－

7.50

15.00

－

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

3. Financial Forecasts for the Fiscal Year ending March 31, 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 parent
Million yen

Net income per share%

YenFirst half of fiscal year

50,000(10.7)

9,000(12.5)

8,500

(1.1)

28.55

Full Year

100,000(9.3)

19,000(14.9)

17,000

3.1

57.10

Note
(1) Changes in significant subsidiaries during 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 March 31, 2016

281,008,632 shares

As of March 31, 2015

238,458,632 shares(b) Number of treasury shares
As of March 31, 2016

5,616,987 shares

As of March 31, 2015

438,304 shares(c) Average number of shares for the period under review
Fiscal year ended March 31, 2016

276,174,200 sharesFiscal year ended March 31, 2015

237,686,429 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the Fiscal Year ending March 31, 2016 (April 1, 2015－March
31, 2016)(1) Non-consolidated Operating Results(%: Changes from previous fiscal year)
Operating revenue
Million yen%

Operating income
Million yen%

Ordinary income
Million yen

Net income%

Million yen%

Fiscal year ended
March 31, 2016

6,223

1.4

5,519

0.7

5,343

(1.5)

5,333

(1.4)

Fiscal year ended
March 31, 2015

6,133

(44.1)

5,477(46.6)

5,425(45.7)

5,410(45.9)Net income
per share

Diluted earnings
per share

Yen

Yen

Fiscal year ended
March 31, 2016

14.74

12.71

Fiscal year ended
March 31, 2015

15.16

15.15

(2) Non-consolidated Financial Conditions
Total assets

Total net assets

Equity ratio

Net assets per share

Million yen

Million yen%

Yen

As of March 31, 2016

209,620

204,98997.7

596.45

As of March 31, 2015

190,847

188,81398.8

617.33(Reference) Capital: As of March 31, 2016: 204,897 million yen; As of March 31, 2015: 188,743 million yen
Note: “Equity ratio” is calculated as: (Total net assets at the end of the period － Stock subscription rights at the end of period)/ Total
assets at the end of the period.

2. Non-Consolidated Performance Forecasts for the Fiscal Year ending March 31, 2017 (April 1,
2016－March 31, 2017)(%: Changes from corresponding period of previous fiscal year)
Operating revenue

Operating income

Ordinary income

Million yen

Million yen

Million yen

%

%

%

Net income
Million yen

Net income per share%

YenFirst half of fiscal year

3,100

(47.7)

2,800(49.6)

2,800(47.9)

2,800(47.9)

7.85

Full Year

6,200

(0.3)

5,500

(0.3)

5,500

2.9

5,500

3.1

15.34

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

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

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2015

－

－

－

70.70

70.70

Fiscal Year ending
March 31, 2016

－

35.00

－

35.00

70.00

Fiscal Year ending
March 31, 2017
(Forecasts)

－

35.00

－

35.00

70.00

(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, 2015
Fiscal Year ending
March 31, 2016

－

14.51

－

15.00

29.51

Fiscal Year ending
March 31, 2017
(Forecasts)

－

15.00

－

15.00

30.00

(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, 2016

As of March 31, 2015
AssetsCash and due from banks

544,513460,293Call loans and bills bought

616

885

Monetary claims bought

87

67

Trading account securities

177

221

27,00027,000

Securities

1,139,284

1,026,804

Loans and bills discounted

3,672,521

3,765,182

Foreign exchange assets

6,321

6,451

Other assets

65,83563,765

Tangible fixed assets

37,276

38,714

Buildings

16,307

16,501

Land

Money held in trust

15,457

15,464

Lease assets

20

16Construction in progress

43

62

Other tangible fixed assets

5,447

6,668

7,470

6,123

Software

4,748

4,800

Goodwill

665

475

2,056

847

Intangible fixed assets

Other intangible fixed assets
Net defined benefit assets

16,01413,018Deferred tax assets

17,224

14,181

Customers’ liabilities for acceptances and guarantees

17,09814,399Reserve for possible loan losses(31,907)(30,483)

Total assets

5,519,533

5,406,626

4,737,122

4,730,075

1,543

3,800

Payables under securities lending transactions

251,176

211,509

Borrowed money

159,198

86,216

Foreign exchange liabilities

538

429

Corporate bonds and notes

70,00055,000

Other liabilities

45,123

43,488Provision for employees’ bonuses

1,682

1,787

Net defined benefit liability

137

741

Accrued retirement benefits for directors and corporate auditors

39

39

Liabilities
Deposits
Negotiable certificates of deposit

Reserve for reimbursement of deposits

409

456

Reserve for point services

199

223

Reserve for contingent losses

351

343

Reserve under special laws

1

0

121

110

17,09814,3995,284,745

5,148,621

Deferred tax liabilities
Acceptances and guarantees
Total liabilities

(Unit: Millions of yen)
As of March 31, 2016

As of March 31, 2015
Net Assets
Common stock

79,811

102,999

Capital surplus

59,19757,361Retained earnings

60,15568,521

Treasury stock(253)(2,678)

Total shareholders’ equity

198,910226,203

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

21,101

21,753

5(144)

Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans

6,214

1,927

Total accumulated other comprehensive income

27,321

23,536

Stock subscription rights

69

91

Non-controlling interests

8,485

8,172

234,788

258,005

5,519,533

5,406,626

Total net assets
Total liabilities and net assets

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
Consolidated Statements of Income(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2016

For the Fiscal Year
ended Mar. 31, 2015
Ordinary revenue

114,324

110,347

Interest income

63,681

61,366

Interest on loans and bills discounted

48,16445,467

Interest and dividends on securities

15,05815,211

Interest on call loans and bills bought

108

72

Interest on deposits with banks

126

462

Other interest income

224

151

21,514

20,281Fees and commissions
Other ordinary income

11,036

8,532

Other income

18,092

20,166

1,350

117

28

8

Recoveries of written off claims

1,768

1,481

Other

14,944

18,558

Ordinary expenses

92,98288,011

8,210

7,622

5,589

4,470

Reversal of provision for possible loan losses
Reversal of reserve for contingent losses

Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit00Interest on call money and bills sold1

3

Interest on payables under securities lending transactions

596

842

Interest on borrowings and rediscounts

734

676

1,271

1,206

Interest on bonds
Other interest expenses

16

423

Fees and commissions payments

5,706

5,835

Other ordinary expenses

14,350

11,631

General and administrative expenses

51,79450,063

Other expenses

12,92012,858Other

12,92012,858

Ordinary income

21,342

22,335Extraordinary income

1,678

－

81

－

1,596

－

129

410

Loss on disposal of non-current assets

93

118

Impairment loss

36

291

Loss on changes in equity interest

0－

Other loss－

0

Income before income taxes

22,89021,925

Income taxes - current

1,869

632

Gain on disposal on non-current assets
Gain on negative goodwill
Extraordinary loss

Income taxes - deferred

2,407

4,710

Total income taxes

4,277

5,343

Profit18,613

16,582

Profit attributable to non-controlling interests

1,028

109

Profit attributable to owners of the parent

17,584

16,472

Consolidated Statements of Comprehensive Income(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2016

For the Fiscal Year
ended Mar. 31, 2015
Profit18,613

16,582Other comprehensive income

26,456(3,784)

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

21,258

652

4

(150)

5,193

(4,286)45,06912,797

Owners of the parent

44,03012,687

Non-controlling interests

1,038

110

Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans
Comprehensive income
Comprehensive income attributable to(3) Consolidated Statements of Changes in Net Assets
For the fiscal year ended March 31, 2015
(Unit: Millions of yen)
Shareholders’ equity
Commonstock
Balance at the beginning ofcurrent period

Capitalsurplus79,811Retainedearnings

59,251

46,949Cumulative effect of changein accounting policy
Balance at the beginning ofcurrent period which reflects
the change in accounting policy

Totalshareholders’equityTreasury
stock

(728)

185,284

466

79,811

59,251466

47,415(728)

185,750

Change of items during period
Cash dividends(4,832)(4,832)

Profit attributable to ownersof the parent

17,584

17,584

Acquisition of treasury stock(53)

Disposal of treasury stock

(118)

(118)

593

539

(11)

Change of scope of consolidation(11)

Net changes in items otherthan shareholders’ equity

－

(53)

12,739474

13,16079,811

59,19760,155(253)

198,910

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

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedgesRemeasurements ofdefinedbenefit
plans

(147)

1

1,020

Total
Stock
Nonaccumulated subscription controllingotherrightsinterests
comprehensive
income875

68

10,168Cumulative effect of changein accounting policy
Balance at the beginning ofcurrent period which reflects
the change in accounting policy

Total net
assets196,397
466

(147)

1

1,020

875

68

10,168

196,863

Change of items during period
Cash dividends(4,832)

Profit attributable to ownersof the parent

17,584

Acquisition of treasury stock(118)

Disposal of treasury stock

539

Change of scope of consolidation(11)

Net changes in items otherthan shareholders’ equity

21,2484

5,193

26,446

1(1,683)24,764

Total changes during the period

21,2484

5,193

26,446

1(1,683)37,924

Balance at the end of current period

21,101

5

6,214

27,321

69

8,485

234,788

For the fiscal year ended March 31, 2016
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period

CapitalsurplusRetainedearnings

79,811

59,19723,18723,187

Treasurystock

60,155

Total
shareholders’equity(253)

198,910

Change of items during period
Issuance of capital stock

46,375

Cash dividends(8,106)(8,106)

Profit attributable to ownersof the parent

16,472

16,472(27,621)(27,621)

(3)

175

172

(25,020)

25,020－Acquisition of treasury stock
Disposal of treasury stock
Retirement of treasury stock
Net changes in items otherthan shareholders’ equity
Total changes during the period

23,187(1,836)

8,366(2,424)27,293

Balance at the end of current period

102,999

57,361

68,521(2,678)226,203

Accumulated other comprehensive income

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

Net
unrealized
gain (loss)
ondeferredhedgesRemeasurements ofdefinedbenefitplans

21,101

5

6,214

Total
Stock
Nonaccumulated subscription controllingotherrightsinterests
comprehensive
income27,32169

8,485

Total net
assets234,788

Change of items during period
Issuance of capital stock

46,375

Cash dividends(8,106)

Profit attributable to ownersof the parent

16,472Acquisition of treasury stock(27,621)

Disposal of treasury stock

172

Retirement of treasury stock－

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

651

(150)

(4,286)(3,785)22(312)(4,076)

651

(150)

(4,286)(3,785)22(312)

23,216

21,753

(144)

1,927

23,536

91

8,172

258,005

(4) Consolidated Statements of Cash Flows(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2016

For the Fiscal Year
ended Mar. 31, 2015
Cash flows from operating activities
Income before income taxes

22,89021,925

Depreciation

4,833

5,050

Loss on impairment of fixed assets

36

291

Amortization of goodwill

208

190

Amortization of negative goodwill(2)－(1,596)

－

(40)

3

(7,015)(1,424)

3

104

Gains on negative goodwill incurred(Earnings) losses from investments under the equity method
Increase (decrease) in reserve for possible loan losses
Increase (decrease) in accrued bonuses
Decrease (increase) in net defined benefit asset(1,736)(1,662)

Increase (decrease) in net defined benefit liability

16

1

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

(22)

－

Increase (decrease) in reserve for reimbursement of deposits

80

46

Increase (decrease) in reserve for point services

29

24

Increase (decrease) in reserve for contingent losses

(28)

(7)

Interest income(63,681)(61,366)

Interest expenses

8,210

7,622

(Gain) loss on securities

(560)

(883)

(Gain) loss on money held in trust(1,670)(1,593)(Gain) loss on foreign exchange(35,988)9,742(Gain) loss on sales or disposal of fixed assets, net

(17)

89

Net (increase) decrease in loans and bills discounted(70,192)(92,660)

Net increase (decrease) in deposits

156,353(7,047)

Net increase (decrease) in negotiable certificates of deposit

1,543

2,256

Net increase (decrease) in borrowed money(excluding subordinated borrowings)

48,680(72,981)

Net (increase) decrease in due from banks(excluding due from the Bank of Japan)(2,687)

5,704

Net (increase) decrease in trading account securities

(54)

(43)

Net (increase) decrease in call loans and bills bought

1,200

(250)

Net increase (decrease) in payables under securities
lending transactions(64,514)(39,667)

Net (increase) decrease in foreign exchange (assets)

(792)

(129)

Net increase (decrease) in foreign exchange (liabilities)

172

(109)

Interest received

65,82362,015Interest paid

(9,444)(8,285)

Other

2,947

(1,700)Subtotal

52,981(174,744)

Income taxes paid

(1,342)(1,414)

Net cash provided by (used in) operating activities

51,639(176,158)

(Unit: Millions of yen)
For the Fiscal Year
ended Mar. 31, 2016

For the Fiscal Year
ended Mar. 31, 2015
Cash flows from investing activities
Purchases of securities(841,250)(724,154)

Proceeds from sales of securities

818,433

547,418

Proceeds from maturity of securities

311,784

282,763

Increase in money held in trust

(38)

(289)

Decrease in money held in trust

1,691

1,860

Purchases of tangible fixed assets(1,761)(4,204)Purchases of intangible fixed assets(1,857)(1,392)565－

287,566

102,002－46,375(8,000)－－(15,000)(4,832)(8,106)

Proceeds from sales of tangible fixed assets
Net cash provided by (used in) investing activities
Cash flows from financing activities
Proceeds from stock issuance of common stock
Decrease in subordinated borrowings
Decrease in subordinated bonds and bonds
with stock subscription rights
Cash dividends paid
Cash dividends paid for minority shareholders

(480)

(480)

Purchases of treasury stock(118)(27,621)

Proceeds from disposal of treasury stock

593

172

Net cash provided by (used in) financing activities(12,839)(4,660)Effect of exchange rate changes on cash and cash equivalents

(199)

300

Net increase (decrease) in cash and cash equivalents

326,167(78,515)

Cash and cash equivalents at beginning of year

206,317532,484

Cash and cash equivalents at end of year

532,484

453,968

【 Contents】
Ⅰ
1

2

3
4
5
6

FY2015 Results (Financial Highlights)
Summary of Profit and Loss
(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank
(3) Senshu Ikeda Tokai Tokyo Securities
Information on Main Accounts(1) Loans and Bills Discounted(2) Deposits(3) Assets under Management(4) Securities
Interest Margins
Status of Credits disclosed under the Financial Revitalization Law
ROECapital ratio(1) Senshu Ikeda Holdings (domestic standard)

Consolidated
Non-consolidated
Non-consolidated

・・・・・・・・・・・・・・・・・・・・・・・・

1
1
2

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

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

3
4
4
5
6
6
7

Consolidated

・・・・・・・・

7

Non-consolidated
Consolidated

・・・・・・・・

7(1) Senshu Ikeda Holdings

Consolidated
Non-consolidated

・・・・・・・・

8(2) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・

9

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

・・・・・・・・
10
・ ・ ・ ・ ・ ・ ・ ・ 11・ 12
・・・・・・・・
13
・・・・・・・・
13
・・・・・・・・
13
・・・・・・・・
14
・・・・・・・・
15

Consolidated

・・・・・・・・

16

Non-consolidated
Consolidated

・・・・・・・・

16(2) The Senshu Ikeda Bank(domestic standard)
7

Ⅱ
1

2
3
4
5
6
7

FY2016 Financial Forecasts(Senshu Ikeda Holdings and The Senshu Ikeda Bank)

FY2015 Results (Summary of Financial Results)
Financial Results(1) Senshu Ikeda Holdings(2) The Senshu Ikeda Bank
Banking Profit
ROE
Number of Directors and Employees, and Branches
Gains and Losses on Investment Securities
Net Unrealized Gains (Losses) on Securities
Capital Ratio(1) Senshu Ikeda Holdings(domestic standard)(2) The Senshu Ikeda Bank(domestic standard)

Ⅲ

Overview of Loans and Bills Discounted

1

Risk Monitored Loans

Non-consolidated
Consolidated

・ ・ ・ ・ ・ ・ ・ ・ 17・ 18

2

Reserve for Possible Loan Losses

Non-consolidated
Consolidated

・・・・・・・・

19

3

Reserve Ratios for Risk Monitored Loans

Non-consolidated
Consolidated

・・・・・・・・

19

4

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated

・・・・・・・・

20

5

Status of Coverage of Credits disclosed under the Financial
Revitalization Law

Non-consolidated

・・・・・・・・

21

6

Classification of Loans by Industry

Non-consolidated

・・・・・・・・

22

7

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

Non-consolidated

・・・・・・・・

23(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 monitored loans,and reserve for possible loan losses, the total amounts of The Senshu Ikeda Bank and two business rehabilitation subsidiaries are statedas well.

Ⅰ FY2015 Results (Financial Highlights)
1. Summary of Profit and Loss
(1) Senshu Ikeda Holdings 【 Consolidated】(Millions of yen)
For the fiscal year
For the fiscal year
ended Mar. 31, 2015 ended Mar. 31, 2016
(b)

(a)

(a)-(b)Ordinary revenue

114,324

110,347(3,977)

Ordinary expenses

92,98288,011(4,971)

Ordinary income

21,342

22,335

993

Income before income taxes

22,89021,925(965)

Profit attributable to owners of the parent

17,584

16,472(1,112)Comprehensive income

45,06912,797(32,272)

Net credit costs

1,902

2,426

524

(2) The Senshu Ikeda Bank 【 Non-consolidated】
Core gross profit increased by ¥171 million year‐on‐year to ¥63,755 million. This was due to decrease in net interest incomeby ¥2,865 million, decrease in net fees and commissions income by ¥719 million, and increases of net other operation
income( excluding net losses on debt securities) by ¥3,755 million.
Core banking profit increased by ¥507 million year‐on‐year to ¥18,481 million. Net credit costs increased by ¥21 million
year‐on‐year to ¥1,386 million. Net gains on equity securities increased by ¥3,876 million year‐on‐year to ¥7,228 million.
Ordinary income increased by ¥1,359 million year‐on‐year to ¥19,062 million, and net income decreased by ¥610 million
year‐on‐year to ¥14,424 million.
(Millions of yen)
For the fiscal year
For the fiscal year
ended Mar. 31, 2015 ended Mar. 31, 2016
(b)
1
2
3

Gross profit(Core gross profit)
Net interest income(a)(a)-(b)60,84463,58457,43663,755(3,408)171

56,87054,005(2,865)

4

Net fees and commissions income

7,750

7,031

(719)

5

Net other operation income(3,776)(3,599)

177

6
7
8
9
10
11

Expenses (excluding non-recurring expenses) (-)

45,61045,274(336)

Personnel expenses (-)

22,095

22,633538

Non-personnel expenses (-)

21,154

20,032(1,122)

15,234

12,162(3,072)

Core banking profit

17,974

18,481507

Net gains (losses) on debt securities(2,740)(6,318)(3,578)－52

52

15,234

12,110(3,124)

Banking profit (before provision for general reservefor possible loan losses)

12

Reversal of general reserve for possible loan losses (-) ①

13

Banking profit

14

Net non-recurring gains (loss)

15

Disposal of non-performing loans

16

Net gains (losses) on equity securities

②

2,469

6,952

4,483

1,365

1,334

(31)

3,352

7,228

3,876

17

Ordinary income

17,70319,062

1,359

18

Net extraordinary income (loss)

(15)

(358)

(343)

19

Income before income taxes

17,687

18,704

1,017

20

Total income taxes (-)

2,652

4,279

1,627

21

Income taxes-current (-)

451

(212)

(663)

22

Income taxes-deferred (-)

2,201

4,491

2,290

23

Net income

15,034

14,424(610)

24

Net credit costs ①+②

1,365

1,386

21

－ 1 －

(Reference) Substantial figures after deduction of specific factors
The Senshu Ikeda Bank 【 Non-consolidated】(Millions of yen)Disclosed figures(a)

Substantial figures(b)(a)‐ For the fiscal year

ended Mar. 31, 2015

61,509(2,246)(4,206)

Net interest income

53,141(864)(3,781)

40,530－(1,446)

12,611(864)(2,335)

7,031

－

(719)

1,335

(1,384)293

Expenses (‐)

45,274－(336)

Core banking profit

16,235(2,246)(3,870)Net gains (losses) on
debt securities

1,724

8,042

56

Banking profit (before
provision for general reservefor possible loan losses)

17,9595,797(3,815)

Net gains (losses) on
equity securities

1,432(5,796)

4,619

Others

(329)

－

554

Ordinary income

19,062－

1,359

Net extraordinary
income (loss)

(358)

－

(343)

63,755171

Net interest income

54,005(2,865)

Net gains (losses) from cancellation of hedgingb
investmenttrustfor cross‐shareholdings
Net gains (losses) from cancellation of hedging
cinvestmenttrustfor portfolio investment

40,530(1,446)

Ｓｕｂｓｔａｎｔｉａｌ net interest income（a‐b‐c）

13,475(1,419)Interest income onloans and deposits
OthersNet fees andcommissions income
Net other
operation income

Interest income onloans and deposits
Othersa54,005481(b)‐ For the fiscal year
ended Mar. 31, 2015

Core gross profit

Core gross profit

Net interest income(b)-(a)382
53,141

Net fees andcommissions income

7,031

(719)

Net other
operation income

2,719

3,754

Expenses (‐)

45,274336)

Core banking profit

18,481507

Net gains (losses)
on debt securities

6,318)

3,578)

Banking profit (before
provision for general reservefor possible loan losses)

12,162(3,072)

Net gains (losses)
on equity securities

7,228

3,876

329)

554

19,062

1,359

358)

343)

Income taxes

4,279

1,627

Income taxes

4,279

－

1,627

Net income

14,424(610)

Net income

14,424－(610)

OthersOrdinary income
Net extraordinary
income (loss)de

Net other operation income

Ｓｕｂｓｔａｎｔｉａｌ net other operation income(d‐e)

2,719
1,383
1,335

Net gains (losses) on debt securities(f‐g+h)(6,318)Bond futures（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

2,641

g

(6,277)h(2,682)（Net gains (losses) from cross‐shareholdings）

Net gains (losses) on iequity securities

Net gains (losses) from cancellation of hedgingb
investmenttrustfor cross‐shareholdings
Net gains (losses) from sales of hedging
ginvestment trust for cross‐shareholdings
Total(i+b+g)

7,228
481
(6,277)
1,432(3) Senshu Ikeda Tokai Tokyo Securities 【 Non-consolidated】(Millions of yen)
For the fiscal year
For the fiscal year
ended Mar. 31, 2015 ended Mar. 31, 2016
(b)

(a)

(a)-(b)1

Net operating income

2,040

2,034

2

Administrative expenses

1,426

1,640

214

3

Operating income

614

394

(220)

4

Income before income taxes

613

385

(228)

5

Net income

387

250

(137)

－ 2 －

(6)

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

1,852,886
1,731,940
1,700,370
31,5703,584,827
47,141

As of Mar.
31, 2015(b)
1,912,885
1,743,166
1,716,611
26,554
3,656,051
60,348

As of Mar.
31, 2016(a)
2,021,670
1,730,397
1,701,561
28,8353,752,067
62,100(a)-(b)108,785(12,769)(15,050)
2,281
96,016
1,752

438,234
1,102,973
238,91260,0001,744,706
3,584,827

465,198
1,167,700
227,548
49,977
1,745,624
3,656,051

464,438
1,261,284
219,574
77,321
1,729,448
3,752,067(760)
93,584(7,974)27,344(16,176)
96,016

1,885,130
1,731,940
1,700,370
31,5703,617,071
47,141

As of Mar.
31, 2015(b)
1,936,964
1,743,166
1,716,611
26,5543,680,130
60,348

As of Mar.
31, 2016(a)2,042,644
1,730,397
1,701,561
28,835
3,773,041
62,100(a)-(b)105,680(12,769)(15,050)
2,281
92,911
1,752

438,234
1,134,858
238,91260,0001,745,065
3,617,071

465,198
1,191,420
227,548
49,977
1,745,983
3,680,130

464,438
1,281,899
219,574
77,321
1,729,807
3,773,041(760)
90,479(7,974)27,344(16,176)
92,911

As of Mar.
31, 2015(b)
2,913,325
79.68

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

As of Mar.
31, 2015(b)
2,937,404
79.81

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

As of Mar.
31, 2015(b)

As of Mar.
31, 2016(a)

As of Mar.
31, 2014
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

Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2014
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, 2014
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

2,847,679
79.43(a)-(b)77,4080.02

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2014
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

2,879,923
79.62(a)-(b)74,3020.01③ Loans guaranteed by Credit Guarantee Corporations(Millions of yen)
As of Mar.
31, 2014
Loans guaranteed by Credit
Guarantee Corporations

235,192－ 3 －

232,309236,984(a)-(b)4,675

(2) Deposits① Breakdown of deposit balance(Millions of yen)
As of Mar.
31, 2014
Individual

3,662,810

Online branch

As of Mar.
31, 2015(b)
3,744,025

As of Mar.
31, 2016(a)
3,726,769(a)-(b)(17,256)

105,331

83,58367,960(15,623)

954,524

1,028,510

1,050,926

22,416

General corporation

813,752

850,231911,572

61,341

Financial institutions

23,09328,145

10,056(18,089)

Corporation

Governmental funds
Total

117,678

150,133

129,297(20,836)

4,617,334

4,772,536

4,777,696

5,160

55,742

49,214

18,862(30,352)

For the fiscal
year ended
Mar. 31, 2016(a)
168,343(a)-(b)(63,241)

Foreign currency deposits(3) Assets under Management① Investment products sales(Millions of yen)

The Senshu Ikeda Bank

222,194

For the fiscal
year ended
Mar. 31, 2015(b)
231,584

Investment trusts

For the fiscal
year ended
Mar. 31, 2014

136,422

151,41387,445(63,968)

Public bonds

3,939

2,937

1,066

(1,871)

Life insurance

81,833

77,234

79,831

2,597

20,421

46,533

48,102

1,569

242,615

278,117

216,445(61,672)

Senshu Ikeda Tokai Tokyo Securities
Total② Balance of assets under management (individual)(Millions of yen)
As of Mar.
31, 2014
3,662,810

As of Mar.
31, 2015(b)
3,744,025

As of Mar.
31, 2016(a)
3,726,769(a)-(b)(17,256)

Investment trusts

181,022

194,394

183,895(10,499)

Life insurance

484,462

489,826

501,062

11,236

Public bonds

35,46723,71017,752(5,958)Senshu Ikeda Tokai Tokyo Securities

11,73333,15450,14016,986

4,375,496

4,485,110

4,479,620(5,490)

Deposits

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

As of Mar.
31, 2014

As of Mar.
31, 2016(a)(a)-(b)The Senshu Ikeda Bank

240,862

237,827

216,205(21,622)

Investment trusts

191,032

204,260

192,067(12,193)

Public bonds

49,83033,56624,138(9,428)Senshu Ikeda Tokai Tokyo Securities
Total

44,366

68,34681,701

13,355285,229

306,173

297,907(8,266)－ 4 －(4) Securities① Breakdown of security balance(Millions of yen)
As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(b)(a)

1,399,377

1,163,549

1,051,825(111,724)

Government bonds

319,287

164,153

76,259(87,894)

Local government bonds

53,642

51,25649,338(1,918)

Corporate bonds

315,224

273,480

277,505

4,025

189,221

197,171

205,420

8,249

Securities

Authority bonds(a)-(b)Bank debenture bonds

12,643

9,384

15,429

6,045

General corporate bonds

113,358

66,92456,656(10,268)

Stocks89,986

101,658

90,783(10,875)

Other securities

621,236572,999557,938(15,061)

Foreign securities

369,427

269,125

249,540(19,585)

Euroyen bonds

30,99838,99327,000(11,993)

Dollar-dominated bonds

251,741

230,125

172,052(58,073)

Euro-dominated bonds

86,681－

50,48250,482

REIT

33,74531,04034,0272,987

Investment trusts

213,286

267,719

267,881

162

72,271

16,980161(16,819)

4,777

5,115

6,487

1,372

Hedging investment trust
for cross-shareholdings etc
Investment partnership②

Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2014

Held-to-maturity debt securities

As of Mar.
31, 2015

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

542

590

465

(125)

2,407

27,69528,7301,035

Stocks

14,564

31,19828,336(2,862)

Bonds

1,763

1,125

2,396

1,271

Available-for-sale securities

Government bonds

179

35

109

74

Local government bonds

163

161

188

27

Corporate bonds

1,420

929

2,098

1,169

(13,920)(4,628)(2,001)

2,627

Foreign securities(3,469)

(734)

2,165

2,899

Euroyen bonds

(1)

(6)

－

6

Dollar-dominated bonds(3,520)

(727)

1,465

2,192

Euro-dominated bonds

52

－

700

700

Other securities

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

(51)

2,414

3,514

1,100

(10,656)(6,515)(7,770)(1,255)(8,849)(7,017)

(62)

6,955

257

206

88

(118)

－ 5 －

3. Interest Margins

The Senshu Ikeda Bank 【 Non-consolidated】① All business(%)
For the fiscal year
For the fiscal year
For the fiscal year
ended Mar. 31, 2014 ended Mar. 31, 2015 ended Mar. 31, 2016(b)(a)
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

1.01

Average yield on external liabilities

0.86
0.13
0.29

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

1.25

1.30

1.28

(0.02)

1.43

1.33

1.24

(0.09)

0.81

1.28

1.48

0.20

1.12

1.05

1.03

(0.02)

1.14

1.09

1.04

(0.05)

0.13

0.12

0.09

(0.03)

0.97

0.95(0.02)

0.49

0.53

0.04

0.25

0.25

－

0.24

0.20

(0.04)② Domestic business(%)
For the fiscal year
For the fiscal year
For the fiscal year
ended Mar. 31, 2014 ended Mar. 31, 2015 ended Mar. 31, 2016(b)(a)
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)(a)-(b)

1.21

1.26

1.25

(0.01)

1.44

1.34

1.25

(0.09)

0.57

1.13

1.40

0.27

1.11

1.06

1.00

(0.06)

1.10

1.05

1.00

(0.05)

0.13

0.11

0.09

(0.02)

0.97

0.93

0.90

(0.03)

0.96

0.54

0.56

0.02

0.10

0.20

0.25

0.05

0.34

0.29

0.25

(0.04)

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

As of Mar.
31, 2014
Non-performing loans (A)Total credits (B)As of Mar.
31, 2016(a)(a)-(b)50,81756,30652,403(3,903)3,614,439

3,679,782

3,772,486

92,704

1.40

1.53

1.38

(0.15)

Non-performing loans ratio (A)/(B)(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2015(b)

As of Mar.
31, 2014
Non-performing loans (A)Total credits (B)Non-performing loans ratio (A)/(B)As of Mar.
31, 2016(a)(a)-(b)71,18569,644

63,918(5,726)

3,646,684

3,703,861

3,793,461

89,600

1.95

1.88

1.68

(0.20)－ 6 －5. ROE
Senshu Ikeda Holdings 【 Consolidated】(%)
For the fiscal
year ended
Mar. 31, 2014
Shareholders’ equity ROE(Income before income taxes basis)

For the fiscal
year ended
Mar. 31, 2015

For the fiscal
year ended
Mar. 31, 2016

(b)

(a)

(a)-(b)

11.10

11.91

10.31

(1.60)

9.38

9.15

7.74

(1.41)

Shareholders’ equity ROE(Profit attributable to owners of the parent basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(%)
For the fiscal
year ended
Mar. 31, 2014
ROE
(Income before income taxes basis)

For the fiscal
year ended
Mar. 31, 2015

For the fiscal
year ended
Mar. 31, 2016

(b)

(a)

(a)-(b)

10.84

11.10

9.21

(1.89)

9.15

8.52

6.92

(1.60)

ROE(Profit attributable to owners of the parent basis)

6. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar.
31, 2014
Total capital ratio (%)
Total capital
Risk weighted assets

As of Mar.
31, 2015

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

10.49

10.09

10.59

0.50

269,782

268,401

288,687

20,286

2,571,273

2,657,817

2,724,851

67,034(2) The Senshu Ikeda Bank (domestic standard)① Non-consolidated(Millions of yen)
As of Mar.
31, 2014
Total capital ratio (%)
Total capital
Risk weighted assets

As of Mar.
31, 2015

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

9.69

9.27

9.90

0.63

247,822244,865

267,748

22,8832,557,108

2,639,343

2,704,408

65,065② Consolidated(Millions of yen)
As of Mar.
31, 2014
Total capital ratio (%)
Total capital
Risk weighted assets

As of Mar.
31, 2015

As of Mar.
31, 2015(b)(a)(a)-(b)

10.96

10.51

11.10

0.59

283,626

280,062

302,595

22,533

2,586,299

2,664,117

2,725,680

61,563－ 7 －7. FY2016 Financial Forecasts (Senshu Ikeda Holdings and The Senshu Ikeda Bank)
Financial forecasts for FY2016 of Senshu Ikeda Holdings (consolidated): Ordinary revenue is ¥100.0 billion, ordinary income
is ¥19.0 billion, and net income attributable to Senshu Ikeda Holdings’ shareholders is ¥17.0 billion.
Forecast cash dividends for FY2016: ¥15.00 per common stock, ¥70.00 per third‐class preferred stock, and ¥30.00 per firstseries of seventh‐class preferred stock(1) Senshu Ikeda Holdings① Financial forecasts【 Consolidated】(Millions of yen)
For the six For the fiscal For the six
months ended year ended months ended
Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016
(Result)(Result)(Forecast)
(d)
(c)
(b)

(b)-(d)For the fiscal
year ended
Mar. 31, 2017
(Forecast)(a)(a)-(c)Ordinary revenue

56,039110,347

50,000(6,039)100,000(10,347)

Ordinary income

10,29622,3359,000(1,296)19,000(3,335)

Profit attributable to owners of parent

8,596

16,472

8,500

(96)

17,000528【 Non-consolidated】(Millions of yen)
For the six For the fiscal For the six
months ended year ended months ended
Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016
(Result)(Result)(Forecast)
(d)
(c)
(b)

(b)-(d)For the fiscal
year ended
Mar. 31, 2017
(Forecast)(a)(a)-(c)Operating revenue

5,932

6,223

3,100

(2,832)

6,200

(23)

Operating income

5,561

5,519

2,800

(2,761)

5,500

(19)

Ordinary income

5,377

5,343

2,800

(2,577)

5,500

157

Net income

5,374

5,333

2,800

(2,574)

5,500

167

② Cash dividends（Yen）

Common stock
Third-class preferred stock
First series of seventh-classpreferred stock

For the six months
For the fiscal year
ended Sep. 30, 2015 ended Mar. 31, 2016
(Result)(Projection)
7.50
15.00

For the six months
For the fiscal year
ended Sep. 30, 2016 ended Mar. 31, 2017
(Forecast)(Forecast)
7.50
15.00

35.00

70.00

35.00

70.00

14.51

29.51

15.00

30.00

③ Capital ratio(%)
As of Sep. 30, 2015 As of Mar. 31, 2016 As of Sep. 30, 2016
(Result)(Preliminary figures)(Forecast)
Capital ratio (Consolidated)

10.99

10.59

Half of 10

As of Mar. 31, 2017
(Forecast)approx. 10

④ ROE
(%)
For the six months
For the fiscal year
For the six months
For the fiscal year
ended Sep. 30, 2015 ended Mar. 31, 2016 ended Sep. 30, 2016 ended Mar. 31, 2017
(Result)(Result)(Forecast)(Forecast)
Shareholders’ equity ROE (Profit
8.11
7.74
Half of 7
attributable to owners of the parent basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

－ 8 －Half of 7

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

For the six For the fiscal For the six
months ended year ended months ended
Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016
(Result)(Result)(Forecast)
(d)

(c)

(b)

Ordinary revenue

49,117

95,93140,000Ordinary income

9,057

19,0627,500

Net income

8,048

14,424

7,500

(548)

15,000576

Banking profit

5,554

12,110

7,000

1,446

14,5002,390Banking profit (before reversal of(provision for) general reserve forpossible loan losses)

5,524

12,162

7,000

1,476

14,5002,338Core banking profit

10,52318,481

7,000(3,523)

14,500(3,981)

382

1,386

1,000

618

2,000

614

Net credit costs(b)-(d)(a)(a)-(c)(9,117)80,000(15,931)(1,557)

16,000(3,062)② Capital ratio(%)
As of Sep. 30, 2015 As of Mar. 31, 2016 As of Sep. 30, 2016
(Result)(Preliminary figures)(Forecast)

As of Mar. 31, 2017
(Forecast)

Capital ratio (Non-consolidated)

10.26

9.90

Latter half of 10

approx. 9

Capital ratio (Consolidated)

11.47

11.10

Half of 10

approx. 10－ 9 －Ⅱ FY2015 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

Consolidated gross profits
Net interest income
Net fees and commissions income
Net other operation income
General and administrative expenses (-)
Net 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 (-)
Recoveries of written off claims
Reversal of reserve for possible loan losses
Others (-)
Net gains (losses) on equity securities
Equity in earnings of affiliates
OthersFor the fiscal year
For the fiscal year
ended Mar. 31, 2015 ended Mar. 31, 2016(b)(a)
67,96465,09055,471
53,74315,807
14,445(3,313)(3,098)51,79450,063
1,902
2,426(a)-(b)(2,874)(1,728)(1,362)215(1,731)
524

－

－

－

4,720

4,137

(583)

－

－

－

(28)
97
1,768
1,350
232
3,300
40
3,733

(16)
(362)
1,481
117
268
7,202
(3)
2,536

12
(459)
(287)
(1,233)
36
3,902
(43)
(1,197)18

Ordinary income

21,342

22,335993

19

Net extraordinary income (loss)

1,548

(410)

(1,958)20

Income before income taxes

22,89021,925

(965)

21
22
23

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

4,277
1,869
2,407

5,343
632
4,710

1,066
(1,237)2,303

24

Profit18,613

16,582(2,031)

25

Profit attributable to non-controlling interests (-)

1,028

109

(919)

26

Profit attributable to owners of the parent

17,584

16,472(1,112)

16,582(2,031)

Consolidated Statement of Comprehensive Income(Millions of yen)
24

Profit18,61327

26,456(3,784)(30,240)

21,258652(20,606)29
30

Total other comprehensive income
Net unrealized gain (loss) on available-for-salesecurities
Net unrealized gain (loss) on deferred hedges
Remeasurements of defined benefit plans

4
5,193

(150)
(4,286)(154)(9,479)31

Comprehensive income

45,06912,797(32,272)28(Note) Consolidated gross profit = (Interest income - Interest expenses)+(Fees and commissions - Fees and commissions payments)+(Other ordinary income - Other ordinary expenses)(Reference) Number of consolidated subsidiaries(Number of companies)

Consolidated subsidiaries
Affiliated companies accounted for by
the equity method

As of Mar. 31, 2015(b)30

As of Mar. 31, 2016
(a)
30

3

2

－ 10 －(a)-(b)－(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

Gross profit(Core gross profit)
Net interest income
Net fees and commissions income
Net other operation income
Net gains (losses) on debt securities
Domestic gross profit
Net interest income
Net fees and commissions income
Net other operation income
Net gains (losses) on debt securities
International 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 (-)
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 (-) ①
Banking profit

For the fiscal year
For the fiscal year
ended Mar. 31, 2015 ended Mar. 31, 2016(b)(a)
60,84457,436
63,58463,75556,87054,005
7,750
7,031(3,776)(3,599)(2,740)(6,318)53,60549,92851,862
50,637
7,727
7,047(5,983)(7,756)(6,071)(7,540)
7,238
7,508
5,007
3,367
23
(15)
2,207
4,156
3,330
1,221
45,61045,27422,095
22,633
21,154
20,0322,360
2,607(a)-(b)(3,408)171(2,865)(719)
177(3,578)(3,677)(1,225)(680)(1,773)(1,469)270(1,640)(38)
1,949(2,109)(336)
538(1,122)247

15,234

12,162(3,072)

17,974(2,740)18,481(6,318)507(3,578)－52

52

15,234

12,110(3,124)

2,469
1,365
1,711

6,952
1,334
1,298

4,483
(31)
(413)

－

460

460

(28)

(16)

12

(16)

(160)

(144)

32
33
34
35
36
37
38
39

Net non-recurring gains (losses)
Credit costs (-) ②
Written-off loans (-)
Provision for specific reserve forpossible loan losses (-)
Provision for contingent losses (-)
Gains (losses) on sales of
non-performing loans (-)
Recoveries of written-off claims
Reversal of reserve for possible loan losses
Others (-)
Net gains (losses) on equity securities
Gain on sales of equity securities
Loss on sales of equity securities (-)
Loss on write-down of equity securities (-)
Other non-recurring gains (losses)

477
56
232
3,352
3,816
426
37
481

515
－
268
7,228
7,628
358
41
1,057

38
(56)
36
3,876
3,812
(68)
4
576

40

Ordinary income

17,70319,062

1,359

41

Net extraordinary income (loss)

(15)

(358)

(343)

42

Income before income taxes

17,687

18,704

1,017

43
44
45

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

2,652
451
2,201

4,279
(212)
4,491

1,627
(663)
2,290

46

Net income

15,034

14,424(610)

47

Net credit costs ①+②

1,365

1,386

21

26
27
28
29
30
31

－ 11 －

(Reference) Structure of profits (For the fiscal year ended Mar. 31, 2016)【Gross profit】［1］Gross profit

Interest income¥61.5 billion
Interest on loans and bills discounted, interest anddividends on securities, etc.

－

Interest expenses¥7.5 billion
Interest on deposits, interest on bonds, etc.

¥57.4 billion［2］Net interest income＝¥54.0 billion＋

Fees and commissions¥15.3 billion
Fees and commissions income of investment
trusts, bank transfer fee, ATMs.

－

Fees and commissions payments¥8.2 billion
Loan guarantee charge, the charge of a groupcredit life insurance, etc.

［3］＝¥7.0 billion＋

Other operating income¥8.0 billion
Gains related to bonds, gains on foreign exchangetransactions, etc.

－

Other operating expenses¥11.6 billion
Losses related to bonds, etc.

［4］Net other operating income＝(¥3.5 billion)【Banking profit (before provision for general reserve for possible loan losses), Core banking profit, Banking profit】［16］Expenses⇒［20］Banking profit (before provision forgeneral reserve for possible loan losses)¥12.1 billion¥45.2 billion

Personnel, non‐personnel, taxes[1]－[16]⇒［1］Gross profit¥57.4 billion⇒［22］Net gains (losses) on debt(¥6.3 billion)
securities［21］Core banking profit¥18.4 billion［23］Provision for general reserve for¥0.0 billion
possible loan losses［24］Banking profit¥12.1 billion［1]－[16]－[22][1]－[16]－[23]【Ordinary income】
Non‐recurring income＋［24］Banking profit¥12.1 billion¥11.0 billion
Gains on sales of equity securities＝

Non‐recurring expenses－¥4.0 billion［39］Ordinary income¥19.0 billion

Disposal of non‐performing loans, losses related
to stocks, severance payment【Net income】＋［40］Net extraordinary income (losses)(¥0.3 billion)
Impairment of non‐current assets, etc.

［39］Ordinary income¥19.0 billion－－［43］Income taxes‐current(¥0.2 billion)［44］Income taxes‐deferred¥4.4 billion－ 12 －［45］Net income¥14.4 billion

2. Banking Profit
The Senshu Ikeda Bank 【 Non-consolidated】(Millions of yen)
For the fiscal
year ended
Mar. 31, 2014
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 )For the fiscal
year ended
Mar. 31, 2015

For the fiscal
year ended
Mar. 31, 2016

(b)

(a)

(a)-(b)13,021

15,234

12,162(3,072)

4,789

5,850

4,784

(1,066)

13,256

17,974

18,481

507

4,875

6,902

7,270

368

18,08915,234

12,110(3,124)

6,652

5,850

4,763

(1,087)

3. ROEThe Senshu Ikeda Bank 【 Non-consolidated】(%)
For the fiscal
year ended
Mar. 31, 2014

For the fiscal
year ended
Mar. 31, 2015

For the fiscal
year ended
Mar. 31, 2016

(b)

(a)

(a)-(b)Banking profit (before provision forgeneral reserve for possible loan losses) basis

7.45

8.07

5.54

(2.53)

Banking profit basis

10.35

8.07

5.52

(2.55)

Core banking profit basis

7.59

9.53

8.42

(1.11)Net income basis

8.44

7.97

6.57

(1.40)

4. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank 【 Non-consolidated】① Employees and Officers(Number of people)
As of Mar.
31, 2014

As of Mar.
31, 2015

As of Mar.
31, 2016(b)
Directors and auditors(a)(a)-(b)

31

29

30

2,608

2,498

2,456

(42)

Total
2,639
2,527
2,486
Note: “Directors and auditors” includes executive officers“Employees” excludes employees temporarily seconded to other companies and temporary staff.

(41)

Employees

1② Branches(Number of branches)
As of Mar.
31, 2014
Branches
Sub-branches

As of Mar.
31, 2015

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

134

134

134

－

5

5

5

－

Total

139

139

139

－

(Reference) ATMs

217

218

225

7

－ 13 －

5. Gains and Losses on Investment Securities
The Senshu Ikeda Bank 【 Non-consolidated】(Millions of yen)
For the fiscal
year ended
Mar. 31, 2014
Gains (losses) on debt securities

For the fiscal
year ended
Mar. 31, 2015

For the fiscal
year ended
Mar. 31, 2016

(b)

(a)

(a)-(b)(234)(2,740)(6,318)(3,578)

6,081

9,582

5,312

(4,270)

－

－

－

－

2,948

12,323

11,631(692)

Loss on redemption (-)

－

－

－

－

Loss on write-down (-)

3,367

－

－

－

－

－

－

－

Gain on sales
Gain on redemption
Loss on sales (-)

Loss by investment partnership (-)(Millions of yen)
For the fiscal
year ended
Mar. 31, 2014
Gains (losses) on equity securities

For the fiscal
year ended
Mar. 31, 2015

For the fiscal
year ended
Mar. 31, 2016

(b)

(a)

(a)-(b)

5,346

3,352

7,228

3,876

Gain on sales

5,829

3,816

7,628

3,812

Loss on sales (-)

472

426

358

(68)

Loss on write-down (-)

10

37

41

4

－ 14 －

6. 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 Mar. 31, 2016
Carrying
value
Government
bonds
Local
government
bonds
Corporate
bonds
Other
Total

As of Mar. 31, 2015

Fair value Difference Unrealized Unrealized
gain

loss

Carrying
value

Fair value Difference Unrealized Unrealized
gain

loss

24,99825,143

145

145

－

24,99725,071

73

73

－

－

－

－

－

－

－

－

－

－

－

23,70423,74137

37－

31,30731,39083

83－

27,00027,282

282

291

8

27,00027,434

434

436

2

75,702

76,168

465

474

8

83,30583,895

590

592

2

As of Sep. 30, 2015
Carrying
value

Fair value Difference Unrealized Unrealized
gain

loss

24,99825,077

78

78

－

－

－

－

－

－

26,006

26,06154

54－

27,00027,304

304

305

1

78,00478,442

438

439

1

(2) Available-for-sale securities (with market value)(Millions of yen)
As of Mar. 31, 2016

As of Mar. 31, 2015

Acquisition Carrying
Acquisition Carrying
Difference Unrealized Unrealized
Difference Unrealized Unrealized
cost
value
cost
value
Equitysecurities
Bonds
Government
bonds
Local
government
bonds
Corporate
bonds
Other
Total

gain

loss

gain

loss

34,54862,88428,33629,978

1,642

42,24373,441

31,19831,778580

352,004

354,400

2,396

2,426

30

431,460

432,586

1,125

1,238

112

51,151

51,260

109

109

－

139,120

139,15535

35－

49,14949,338

188

193

4

51,09551,256

161

174

13

251,702

253,801

2,098

2,124

25

241,243

242,173

929

1,029

99

527,896

525,894(2,001)

7,103

9,105

547,189542,560(4,628)

5,855

10,484914,449

943,180

28,73039,50910,7781,020,893

1,048,588

27,69538,873

11,178

As of Sep. 30, 2015
Acquisition Carrying
Difference Unrealized Unrealized
cost
value

－ 15 －

38,31565,78827,472

gain
28,831loss
1,359

304,938

305,529

591

672

81

49,171

49,18311

11－

43,20043,367

166

175

8

212,565

212,979

413

486

72

553,892

541,919(11,972)

2,200

14,173

897,146

913,237

16,09031,704

15,613

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

10.49
269,782
271,067

10.09
268,401
275,747

As of Mar.
31, 2016(Preliminary
figures)(a)10.59
288,687
297,309140,194

153,292

208,22054,92816,164

14,711

13,893(818)

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

72,471

65,22457,977(7,247)

1,285
2,571,273
102,850

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

1,276
67,0342,682

As of Mar.
31, 2014

As of Mar.
31, 2015(b)

Total capital ratio (%)
Total capital(A)-(B)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)Risk weighted assets (C)Required capital (C ×4%)(a)-(b)0.50
20,286
21,562(2) The Senshu Ikeda Bank (domestic standard)① Non-consolidated(Millions of yen)

9.69
247,822248,2519.27
244,865
250,192

As of Mar.
31, 2016(Preliminary
figures)(a)9.90
267,748
275,348

167,751

177,751

210,303

32,552

6,012

5,402

5,455

53

－

－

－

－

74,48867,03959,590(7,449)429
2,557,108
102,284

5,327
2,639,343
105,573

7,599
2,704,408
108,176

2,272
65,0652,603

As of Mar.
31, 2014

As of Mar.
31, 2015(b)

Total capital ratio (%)
Total capital(A)-(B)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)Risk weighted assets (C)Required capital (C ×4%)(a)-(b)0.63
22,88325,156② Consolidated(Millions of yen)

10.96
283,626
284,055

10.51
280,062
286,016

As of Mar.
31, 2016(Preliminary
figures)(a)
11.10
302,595
310,379

174,726

187,216

222,020

34,804

16,164

14,711

13,893

(818)

－

－

－

－

91,99682,79673,597(9,199)429
2,586,299
103,451

5,953
2,664,117
106,564

7,784
2,725,680
109,027

1,831
61,563
2,463

As of Mar.
31, 2014

As of Mar.
31, 2015(b)

Total capital ratio (%)
Total capital(A)-(B)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)Risk weighted assets (C)Required capital (C ×4%)

－ 16 －(a)-(b)0.59
22,53324,363

Ⅲ Overview of Loans and Bills Discounted
1. Risk Monitored Loans

The Senshu Ikeda Bank

① Non-consolidated(Millions of yen)
As of Mar.
31, 2014

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

3,199
42,995－
4,264
50,459(Note) Amount of partial direct write-off
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2014: Loans to bankrupt borrowers

As of Mar.
31, 2015(b)
2,494
42,300－11,192
55,988

10,884 million yen
14,436 million yen
14,762 million yen

As of Mar.
31, 2016(a)
1,750
39,801
5
10,59952,156

Delinquent loans
Delinquent loans
Delinquent loans(a)-(b)(744)(2,499)5(593)(3,832)
21,785 million yen
44,835 million yen
43,747 million yen(Millions of yen)

As of Mar.
31, 2014
Loans and bills discounted

3,584,827

As of Mar.
31, 2015(b)
3,656,051

As of Mar.
31, 2016(a)3,752,067

As of Mar.
31, 2015(b)

As of Mar.
31, 2016(a)(a)-(b)96,016(%)

As of Mar.
31, 2014
Loans to bankrupt borrowers
Delinquent loans(a)-(b)

0.08
1.19
－
0.11
1.40

0.06
1.15
－
0.30
1.53

0.04
1.06
0.00
0.28
1.39

3,199
60,920－6,706
70,827

As of Mar.
31, 2015(b)
2,636
53,151－
13,53869,326

As of Mar.
31, 2016(a)
1,750
49,081
5
12,834
63,671Loans past due three months or more

Restructured loans
Total(0.02)(0.09)
0.00(0.02)(0.14)(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2014
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 Mar. 31, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2014: Loans to bankrupt borrowers

10,928 million yen
17,297 million yen
14,762 million yen

Delinquent loans
Delinquent loans
Delinquent loans(a)-(b)(886)(4,070)5(704)(5,655)22,544 million yen
45,394 million yen
44,005 million yen(Millions of yen)

As of Mar.
31, 2014
Loans and bills discounted

3,617,071

As of Mar.
31, 2015(b)
3,680,130

As of Mar.
31, 2016(a)
3,773,041

As of Mar.
31, 2015(b)

As of Mar.
31, 2016(a)(a)-(b)92,911(%)

As of Mar.
31, 2014
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more

Restructured loans
Total

0.08
1.68
－
0.18
1.95

－ 17 －

0.07
1.44
－
0.36
1.88

(a)-(b)
0.04
1.30
0.00
0.34
1.68

(0.03)(0.14)
0.00(0.02)(0.20)

② Consolidated(Millions of yen)
As of Mar.
31, 2014
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

4,000
62,173－
6,706
72,881(Note) Amount of partial direct written-off
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2014: Loans to bankrupt borrowers

As of Mar.
31, 2015(b)
3,522
54,195－
13,53871,25512,006 million yen
18,266 million yen
15,940 million yen

As of Mar.
31, 2016(a)
2,628
50,252
5
12,83465,721

Delinquent loans
Delinquent loans
Delinquent loans(a)-(b)(894)(3,943)5(704)(5,534)23,782 million yen
46,747 million yen
46,040 million yen(Millions of yen)

As of Mar.
31, 2014
Loans and bills discounted

3,609,329

As of Mar.
31, 2015(b)
3,672,521

As of Mar.
31, 2016(a)
3,765,182

As of Mar.
31, 2015(b)

As of Mar.
31, 2016(a)(a)-(b)92,661(%)

As of Mar.
31, 2014
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more

Restructured loans
Total(Notes)

0.11
1.72
－
0.18
2.01

0.09
1.47
－
0.36
1.94

(a)-(b)
0.06
1.33
0.00
0.34
1.74

(0.03)(0.14)
0.00(0.02)(0.20)

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 suchloans are disclosed 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 notbeen received for three months or more from the due date, and which are not classified as “loans to bankrupt
borrowers” or “delinquent loans.”
5. Restructured loans:
Restructured loans are loans which have been restructured to support the rehabilitation of borrowers who areencountering financial difficulties, with the intention of ensuring the recovery of the loans by providing more flexible
repayment terms for the borrowers (such as reducing the rate of interest or suspending the payment ofprincipal/interest, etc.) or loans which are not classified in any of the above categories.

－ 18 －

2. Reserve for Possible Loan Losses
The Senshu Ikeda Bank
① Non-consolidated(Millions of yen)
As of Mar.
31, 2014
Reserve for possible loan losses

As of Mar.
31, 2015

As of Mar.
31, 2016(b)(a)(a)-(b)18,18816,19816,232

34

General reserve for possible loan losses

6,012

5,402

5,455

53

Specific reserve for possible loan losses

12,176

10,796

10,777(19)(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2014
Reserve for possible loan losses

As of Mar.
31, 2015

As of Mar.
31, 2016(b)(a)(a)-(b)32,05026,232

25,742(490)

General reserve for possible loan losses

10,855

10,507

10,416(91)

Specific reserve for possible loan losses

21,194

15,725

15,325(400)② Consolidated(Millions of yen)
As of Mar.
31, 2014
Reserve for possible loan losses
General reserve for possible loan losses
Specific reserve for possible loan losses

As of Mar.
31, 2015

As of Mar.
31, 2016(b)(a)(a)-(b)38,92431,90730,483(1,424)

16,16422,75914,711
17,196

13,893
16,589

(818)
(607)

3. Reserve Ratios for Risk Monitored Loans
The Senshu Ikeda Bank
① Non-Consolidated(%)
As of Mar.
31, 2014
Reserve ratios

As of Mar.
31, 2015
(b)

36.04

28.93

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

31.12

2.19

(Reference)
Including two business rehabilitation subsidiaries(%)
As of Mar.
31, 2014
Reserve ratios

As of Mar.
31, 2015
(b)

45.25

37.83

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

40.42

2.59

② Consolidated(%)
As of Mar.
31, 2014

As of Mar.
31, 2015(b)

Reserve ratios
53.40
44.77
(Note) Reserve ratios = Reserve for possible loan losses / Risk monitored loans－ 19 －

As of Mar.
31, 2016(a)46.38(a)-(b)1.61

4. 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 Mar.
31, 2015

As of Mar.
31, 2016(b)(a)(a)-(b)Bankruptcy and quasi-bankrupt credit

8,264

6,437

4,648

(1,789)Doubtful credit

38,28938,67637,149(1,527)

Substandard credit

4,264

11,192

10,604(588)

Subtotal (A)50,81756,30652,403(3,903)

Normal credit

3,563,621

3,623,475

3,720,083

96,608

Total (B)3,614,439

3,679,782

3,772,486

92,704

1.40

1.53

1.38

(0.15)

58,89559,61432,879(26,735)

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 Mar.
31, 2015

As of Mar.
31, 2016(b)(a)(a)-(b)Bankruptcy and quasi-bankrupt credit

9,040

7,136

4,845

(2,291)

Doubtful credit

55,43848,96946,233(2,736)

Substandard credit

6,706

13,538

12,840(698)

Subtotal (A)71,18569,644

63,918(5,726)

Normal credit

3,575,498

3,634,217

3,729,542

95,325

Total(B)3,646,684

3,703,861

3,793,461

89,600

1.95

1.88

1.68

(0.20)

59,152

63,03533,683(29,352)

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
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 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.

－ 20 －

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, 2014
Coverage amount (C)As of Mar.
31, 2015

As of Mar.
31, 2016(b)(a)(a)-(b)46,46650,84247,098Reserve for possible loan losses

13,532

13,25013,664414

Collateral and guarantees

32,93437,59133,433(4,158)

91.43

90.29

89.87

(0.42)

Coverage ratio(C)/(A)(3,744)

Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2016)(Millions of yen, %)Coverage amountCredit amountReserve forpossible loan
lossesCollateral andguarantees

Coverage ratio

Bankruptcy and quasi-bankrupt credit

4,648

4,648

379

4,269

100.00

Doubtful credit

37,14933,900

10,252

23,647

91.25

Substandard credit

10,604

8,549

3,032

5,517

80.61

52,40347,09813,66433,433

89.87

Total
(Reference)

Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2014
Coverage amount (C)As of Mar.
31, 2015

As of Mar.
31, 2016(b)(a)

63,000(a)-(b)60,96856,088(4,880)Reserve for possible loan losses

23,412

18,887

18,788(99)

Collateral and guarantees

39,58742,08137,300(4,781)

88.50

87.54

87.74

0.20

Coverage Ratio (C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Mar. 31, 2016)(Millions of yen, %)Coverage amountCredit amountReserve forpossible loan
lossesCollateral andguarantees

Coverage ratio

Bankruptcy and quasi-bankrupt credit

4,845

4,845

437

4,407

100.00

Doubtful credit

46,233

41,632

14,742

26,88990.04

Substandard credit

12,840

9,610

3,607

6,002

74.84

63,91856,08818,78837,300

87.74

Total

－ 21 －

6. Classification of Loans by Industry
The Senshu Ikeda Bank 【 Non-consolidated】(Millions of yen)
As of Mar.
31, 2014
Domestic(excluding JOM account)
Manufacturing
Agriculture and forestry

As of Mar.
31, 2015

As of Mar.
31, 2016(b)(a)

3,584,827

3,656,051

3,752,067

96,016

340,726

341,673

347,5535,880(a)-(b)

1,368

961

846

(115)

Fishery

99

93

140

47

Mining, quarrying and gravel
extraction

234

220

193

(27)

Construction

77,85080,89086,297

5,407

Electricity, gas, heat andwater supply

11,762

14,75915,378619

Information and communication

14,633

15,281

13,593(1,688)Transportation and postal activities

74,12082,569100,739

18,170Wholesale and retail trade229,405

248,249

257,357

9,108

Finance and insurance activities

163,267

168,865

177,937

9,072

Real estate and rental activities

478,042511,234

537,087

25,853

Academic research, professional andtechnical services

9,482

10,48011,951

1,471

Accommodation and foodservice activities

21,344

21,97324,8752,902Life related services andentertainment

12,60912,598

14,466

1,868

Education and study support
activities

7,589

7,580

8,355

775

Medical and welfare

36,12445,41650,240

4,824

Other services

61,71869,04775,239

6,192

Local governments

238,912

227,548

219,574(7,974)

1,805,534

1,796,602

1,810,234

13,632Others－ 22 －

7. Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank 【 Non-consolidated】(As of Mar. 31, 2016)(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
Outstanding loans Category Category Category Category
Ⅰ

Bankrupt

0.3

Ⅱ

Ⅲ

1.4

1.7
Effectively
bankrupt

1.3

1.5

2.8
Potentiallybankrupt

23.1

10.7

37.1
Requiring
specialcaution

Ⅳ

－

－

(0.0)

(－)

－

－

(0.3)

(0.0)

3,592.3
Total
3,772.4(Notes)4.2(10.2)

37.1

23.6

Substandard0.7

Reserve

0.3

Coverage
ratio

5.5

11.4

10.2

3.0

Classification

Outstandingbalance ofloans

Loans tobankrupt
borrowers

1.7

Delinquent
loans

39.8

Loans past due
three months or
more

0.0

Restructured
loans

10.5

Total

52.1

100.00

4.6

Doubtful

91.25

80.61

10.6
Subtotal

57.6

Normal3,720.0

3,592.3

3,675.5

93.6

33.4

52.4

68.4

126.1
NormalBankruptcy
andquasibankrupt

3.2

12.1
Other
borrowers
requiring
cautionClassification
Secured or
Outstanding
guaranteedloans

Risk monitored loans

3.2

－

Total

(10.5)(0)

3,772.4

13.6

89.87

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
to total credit: 1.38%

Ratio of risk managed loans tototal loans: 1.39%

Loans and bills
discounted

3,752.0

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.
CategoryⅠ:

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

CategoryⅡ:
Claims secured by general collateral or guarantee such as mortgage collateral.
CategoryⅢ and Ⅳ: All or part of claims are secured, and claims already secured are posted as Category Ⅰ.
4.“( )” in “Borrower classification under self-assessment guidelines (Credit exposures)” represent reserved amounts forclassified loans.

－ 23 －