Financial Results for the Second Quarter of the Fiscal Year ending March 31, 2017
(Consolidated Data)
November 14, 2016
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

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

President and Representative Director:

Hirohisa Fujita

For inquiries:

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

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

November 29, 2016
December 5, 2016
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, 2017 (April 1, 2016
September 30, 2016)(%: 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, 2016

51,919(7.3)

11,856

15.1

8,817

2.5

Six months ended
September 30, 2015

56,03910.5

10,296

6.5

8,596

6.1

(Note) Comprehensive income:Six months ended September. 30, 2016

13,628million yen

[(

%) ]

Six months ended September. 30, 2015

(1,090)million yen

[(

%) ]

Net income
per share

Diluted earnings
per share

Yen

Yen

Six months ended
September 30, 2016

29.66

24.80

Six months ended
September 30, 2015

29.13

25.15

(2) Consolidated Financial Position
Total assets
As of September 30, 2016
As of March 31, 2016

Million yen
5,532,226
5,406,626

Total net assets
Million yen
264,194
258,005

Equity ratio
%
4.6
4.6

(Reference) capital: As of September 30, 2016 : 259,412million yen ; As of March 31, 2016 : 249,740million 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, 2016

7.50

Fiscal Year ending
March 31, 2017

7.50

Fiscal Year ending
March 31, 2017
(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, 2017 (April 1, 2016 March 31, 2017)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue

Full Year
Note:

Million yen
101,000%(8.4)

Ordinary income
Million yen
21,000%(5.9)

Profit attributable toowners of the parent
Million yen
17,000Net income per share

%
3.1

Yen
56.99

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, 2017 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Added(company name)
Excluded (company name)(2)

Changes in accounting policies, changes in accounting estimates, and retrospective restatements(3)(a) Changes in accounting policies due to revision of accounting standards etc. :None(b) Changes in accounting policies other than those noted in (a) above :None(c) Changes in accounting estimates :None(d) Retrospective restatements :None

Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of September 30, 2016

281,008,632 shares

As of March 31, 2016

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

4,920,418 shares

As of March 31, 2016

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

275,743,609 shares

Six months ended September 30, 2015

273,579,450 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the SecondQuarter (Interim period) of the Fiscal Year ending March 31,2017 (April 1, 2016 September 30, 2016)(%: 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, 2016

3,215

(45.7)

2,818(49.3)

2,838(47.2)

2,835(47.2)

Six months ended
September 30, 2015

5,932

1.1

5,561

1.4

5,377

(1.3)

5,374

(1.1)

Net income
per share
Yen
Six months ended
September 30, 2016

7.96

Six months ended
September 30, 2015

17.35

(2) Non-consolidated Financial Conditions
Total assets

Total net assets

Equity ratio

Million yen

Million yen%

As of September 30, 2016

207,924

205,400

98.7

As of March 31, 2016

209,620

204,989

97.7(Reference) Capital: As of September 30, 2016 : 205,318million yen ; As of March 31, 2016 : 204,897million 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, 2017 (April 1, 2016 March 31, 2017)(%: 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

%

6,200

(0.3)

5,500

(0.3)

5,500

2.9

5,500

3.1

Net income per share
Yen

15.31

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, 2016

35.00

Fiscal Year ending
March 31, 2017

35.00

Fiscal Year ending
March 31, 2017
(Forecasts)(First series of seventh-class preferred stock)
Dividends per shareFirst
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

15.00

29.51

15.00

30.00

Fiscal Year ended
March 31, 2016

14.51

Fiscal Year ending
March 31, 2017

15.00

Fiscal Year ending
March 31, 2017
(Forecasts)

Consolidated Financial Statements(1) Consolidated Balance Sheets
As of March 31, 2016
AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchange assets
Other assets
Tangible fixed assets
Intangible fixed assets
Net defined benefit assets
Deferred tax assets
Customers liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Corporate bonds and notes
Other liabilities
Provision for employees bonuses
Net defined benefit liability
Accrued retirement benefits for directors and corporate auditors
Reserve for reimbursement of deposits
Reserve for point services
Reserve for contingent losses
Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net Assets
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, 2016

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

560,361951
112
216
28,664
1,060,916
3,759,044
7,490
53,58837,9885,517
12,87012,886
13,311(21,693)5,532,226

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

4,747,268
255,320
155,128453
45,00047,682
2,040
680
33
492
237
331
0
50
13,311
5,268,032

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

102,999
57,36574,596(2,344)
232,616
25,142(185)
1,839
26,79682
4,700
264,194
5,532,226

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

For the Six months
ended September. 30, 2016

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

56,03931,38822,9638,050
10,447
3,845
10,35745,742
4,049
2,420
2,775
7,500
24,6496,768
10,296

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
11,856Extraordinary loss
Loss on disposal of non-current assets
Impairment loss
Other loss
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

195
24
170
0
10,101
447
966
1,413
8,687
91
8,596

205
149
55
0
11,650
1,479
(198)
1,281
10,3691,551
8,817

Ordinary revenue

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

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

For the Six months
ended September. 30, 2015

For the Six months
ended September. 30, 2016

8,687

10,369(9,777)(9,324)(70)(382)(1,090)

3,258
3,387
(40)
(88)
13,628(1,181)90

12,0771,550

(3) Consolidated Statements of Changes in Net Assets
For the six months ended September 30, 2015
(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
Cash dividends

46,375(5,375)(5,375)

8,596

8,596

Profit attributable to ownersof the parent
Acquisition of treasury stock
Disposal of treasury stock
Retirement of treasury stock(25,021)(25,021)

(3)

116

112

(25,020)

25,020Net changes in items otherthan shareholders equity
Total changes during the period

23,187(1,836)

3,220

115

24,687

Balance at the end of current period

102,999

57,361

63,375(138)

223,598

Noncontrollinginterests

Total net
assets8,485

234,788

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
accumulated subscription
otherrightscomprehensive
income27,321

69

Change of items during period
Issuance of capital stock

46,375

Cash dividends(5,375)

Profit attributable to ownersof the parent

8,596

Acquisition of treasury stock(25,021)

Disposal of treasury stock

112

Retirement of treasury stock
Net changes in items otherthan shareholders equity(9,324)(70)

Total changes during the period(9,324)

Balance at the end of current period

11,777(382)(9,777)7(156)(9,926)

(70)

(382)

(9,777)7(156)

14,760

(64)

5,831

17,544

77

8,328

249,548

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Senshu Ikeda Holdings,Inc.

Senshu Ikeda Holdings,Inc.

Contents
Second Quarter FY2016 Results (Summary of Financial Results)
1

Financial Results(1) Senshu Ikeda Holdings

Consolidated

1(2) The Senshu Ikeda Bank

Non-consolidated

2(1) Loans and Bills Discounted

Non-consolidated

3(2) Deposits

Non-consolidated

4(3) Assets under Management

Non-consolidated

4(4) Securities

Non-consolidated

53Interest Margins

Non-consolidated

6

4

Banking Profit

Non-consolidated

6

5

ROE

Non-consolidated

7

6

Number of Directors and Employees, and Branches

Non-consolidated

77

Gains and Losses on Investment Securities

Non-consolidated

7

8

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

Consolidated

8(2) The Senshu Ikeda Bank(domestic standard)

Consolidated
Non-consolidated

8

2

Information on Main Accounts

Overview of Loans and Bills Discounted
1

Risk Monitored Loans

Non-consolidated
Consolidated

92

Reserve for Possible Loan Losses

Non-consolidated
Consolidated

11

3

Reserve Ratios for Risk Monitored Loans

Non-consolidated
Consolidated

11

4

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated

12

5

Status of Coverage of Credits disclosed under the Financial
Revitalization Law

Non-consolidated

13

6

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

Non-consolidated

14(2) Risk Monitored Loans

Non-consolidated

15

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

Non-consolidated

16

7(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.

Senshu Ikeda Holdings,Inc.
Second Quarter FY2016 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

For the six months
ended Sep. 30, 2015(a)

For the six months
ended Sep. 30, 2016(b)

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

31,357
27,3397,672(3,654)
24,64936,867
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 (-)

1,319

1,690

5,510
(1,501)(1,015)
8,024
1,239
371

(414)

(52)

362

2,061

1,364

(697)

718

1,028

310

(58)

(2)

56

Gains (losses) on sales of non-performing loans (-)
Recoveries of written off claims
Others (-)
Net gains (losses) on equity securities
Equity in earnings of affiliates
Others

(306)
850
169
4,328
(3)
584

3
823
171
291
15
2,260

309
(27)
2
(4,037)18
1,676

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

10,296(195)
10,101

11,856(205)
11,650

1,560
(10)
1,549

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

1,413
447
966

1,281
1,479
(198)

(132)
1,032
(1,164)

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

8,687
91
8,596

10,369
1,551
8,817

1,682
1,460
221

Profit8,687

10,369

1,682

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(9,777)

3,258

13,035(9,324)

3,387

12,711(70)(382)(1,090)(40)(88)
13,62830
294
14,718(b)-(a)Consolidated Statement of Comprehensive Income(Millions of yen)
23
26
27
28
29
30

(Note) Consolidated gross profit = (Interest income - Interest expenses)+(Fees and commissions - Fees and commissions payments)+(Other ordinary income - Other ordinary expenses)

－

1

－

Senshu Ikeda Holdings,Inc.
(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

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 (-)
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
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 (loss)
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, 2015(a)
27,86332,862
27,9593,857(3,953)(4,998)25,60826,456
3,882(4,730)(4,794)
2,254
1,503
(24)
776
(204)
22,338
11,2059,856
1,276

For the six months
ended Sep. 30, 2016(b)
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

5,524

9,713

4,189

10,523(4,998)

6,830
2,882

(3,693)
7,880

(30)

760

790

5,554
3,503
412
300

8,953
1,001
(174)
92

3,399
(2,502)
(586)
(208)

438

(163)

(601)

(58)

(2)

56

(130)

(2)

128

307
169
4,312
4,351

270
171
308
316

(37)
2
(4,004)(4,035)

39
(396)
9,057
(184)
8,873
824
(93)
918
8,048
382

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

(31)
913
897
(7)
889
193
1,102
(911)
697
203

2

－

(b)-(a)4,829(3,053)(2,239)
(854)
7,920
7,880
116
(2,743)
(863)
3,722
3,743
4,713
504
9
4,199
4,138
640
39
299
302

Senshu Ikeda Holdings,Inc.
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, 2015
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans(scale of enterprise)
Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments
Japanese government
Individuals
Total

1,912,885
1,743,166
1,716,611
26,554
3,656,051
60,348

As of Sep.
30.2015(a)1,922,841
1,735,098
1,709,020
26,0783,657,940
61,221

As of Mar.
31, 2016(b)
2,021,670
1,730,397
1,701,561
28,8353,752,067
62,100

As of Sep.
30, 2016(c)
2,027,125
1,724,824
1,692,821
32,0033,751,950
57,667(c)-(a)104,284(10,274)(16,199)
5,925
94,010(3,554)(c)-(b)5,455(5,573)(8,740)3,168(117)(4,433)465,198
1,167,700
227,548
49,977
1,745,624
3,656,051

455,344
1,209,777
208,625
49,992
1,734,199
3,657,940

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

4,638
89,173(13,523)
24,644(10,921)94,010(4,456)
37,666(24,472)(2,685)(6,170)(117)

Average Balance

3,582,906

3,621,087

3,638,361

3,720,074

98,987

81,713As of Mar.
31, 2016(b)
2,042,644
1,730,397
1,701,561
28,835
3,773,041
62,100

As of Sep.
30, 2016(c)
2,041,998
1,724,824
1,692,821
32,003
3,766,823
57,667(c)-(a)96,335(10,274)(16,199)
5,925
86,061(3,554)(c)-(b)(646)(5,573)(8,740)3,168(6,218)(4,433)

Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2015
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans(scale of enterprise)
Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments
Japanese government
Individuals
Total

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

As of Sep.
30. 2015(a)
1,945,663
1,735,098
1,709,020
26,0783,680,762
61,221

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

455,344
1,232,240
208,625
49,992
1,734,558
3,680,762

464,438
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

4,638
81,562(13,523)
24,644(11,259)
86,061(4,456)31,903(24,472)(2,685)(6,508)(6,218)Average Balance

3,611,413

3,644,711

3,661,043

3,740,183

95,472

79,140

As of Sep.
30. 2015(a)2,943,977
80.48

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

As of Sep.
30, 2016(c)
3,022,229
80.55

As of Sep.
30. 2015(a)2,966,798
80.60

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

As of Sep.
30, 2016(c)
3,037,102
80.62

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

2,913,325
79.68(c)-(a)78,2520.07(c)-(b)31,4960.85

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

2,937,404
79.81

－

3

－

(c)-(a)70,3040.02(c)-(b)25,3960.80

Senshu Ikeda Holdings,Inc.
(2) Deposits(Millions of yen)
As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

Total
Foreign currency deposits

3,744,025
83,583
1,028,510
850,231
28,145150,133
4,772,536
49,214

3,726,519
76,686
1,023,450
863,556
19,336
140,558
4,749,969
37,834

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

4,646,813

4,763,614

4,741,066

Individual
Online branch
Corporation
General corporation
Financial institutions
Governmental funds

3,746,111
70,8691,046,607
937,247
6,856
102,504
4,792,719
20,324(c)-(a)19,592(5,817)23,15773,691(12,480)(38,054)
42,750(17,510)(c)-(b)
19,342
2,909(4,319)25,675(3,200)(26,793)
15,023
1,462

4,777,268

13,65436,202(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, 2015 Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016(a)(b)
The Senshu Ikeda Bank
Investment trusts
Public bonds
Life insurance
Senshu Ikeda Tokai Tokyo Securities
Total

231,584
151,413
2,937
77,23446,533
278,117

93,56652,352741
40,471
27,498121,064

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

70,65533,672500
36,481
18,78489,440(b)-(a)(22,911)(18,680)(241)(3,990)(8,714)(31,624)

Balance of assets under management (individual)(Millions of yen)
As of Mar.
31, 2015
Deposits
Investment trustsLife insurance
Public bonds
Senshu Ikeda Tokai Tokyo Securities
Total

3,744,025
194,394
489,826
23,71061,3494,513,306

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

3,726,519
183,294
484,593
19,68964,3104,478,407

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

3,746,111
175,305
494,106
14,731
79,3994,509,654(c)-(a)19,592(7,989)9,513(4,958)15,08931,247(c)-(b)
19,342(8,590)(6,956)(3,021)
6,767
7,542

(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, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

237,827
204,260
33,566
68,346306,173

220,010
191,464
28,54572,760292,770

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

202,346
182,943
19,403
89,955292,302－4－(c)-(a)(17,664)(8,521)(9,142)
17,195(468)(c)-(b)(13,859)(9,124)(4,735)8,254(5,605)

Senshu Ikeda Holdings,Inc.
(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, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

1,163,549
164,153
51,256
273,480
197,171
9,384
66,924
101,658
572,999
269,125
38,993
230,125

1,022,940
74,18143,367238,985
175,902
9,383
53,69993,683572,723
231,985
37,002
194,977

1,085,706
67,13643,318274,767
202,088
15,43357,245
91,132609,351
291,72127,000264,715(c)-(a)62,766(7,045)(49)
35,782
26,186
6,050
3,546(2,551)
36,62859,736(10,002)69,73831,04033,0491,051,825
76,25949,338277,505
205,420
15,42956,65690,783557,938
249,540
27,000172,052
50,482
34,027

34,668

1,619

92,663(50,482)641

267,719

302,252

267,881275,599(26,653)

7,718

16,9807,433

161(7,433)

(161)

5,115

5,436

6,487

7,362

1,926

875

1,319,019

1,114,458

1,066,378

1,083,275(31,183)

16,897(c)-(b)33,881(9,123)(6,020)(2,738)(3,332)
4589
349
51,41342,181

Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2015
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. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

590
27,69531,198
1,125
35
161
929
(4,628)
(734)
(6)
(727)

438
16,09027,472
591
11
166
413
(11,972)
(993)
2
(995)

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

1,465
700

2,414
(6,515)(721)(10,381)

3,514(7,770)(7,017)(2,805)

(62)

206

123

88

－

5

－

(c)-(b)
(51)
4,976
646
127
(2)
21
107
4,202
(391)

1,774

(c)-(a)(24)
17,616
1,510
1,932
96
43
1,792
14,173
2,767
(2)
2,769

3,018
(2,705)

3,739
7,676

(496)
5,065

2,805

62

(10)

25

113

309
(700)

Senshu Ikeda Holdings,Inc.
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, 2015 Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016
(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)

1.30

1.32

1.28

1.19

(0.13)(0.09)

1.33

1.25

1.24

1.15

(0.10)(0.09)

1.28

1.59

1.48

1.37

(0.22)(0.11)

1.05

1.01

1.03

0.99

(0.02)(0.04)

1.09

1.03

1.04

1.02

(0.01)(0.02)

0.12

0.10

0.09

0.06

(0.04)(0.03)

0.97
0.49
0.25

0.93
0.45
0.31

0.95
0.53
0.25

0.95
0.34
0.20

0.02
(0.11)(0.11)

0.00(0.19)(0.05)

0.24

0.22

0.20

0.13

(0.09)(0.07)

Domestic business(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2015 Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016
(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)

1.30

1.25

1.14

(0.16)(0.11)

1.34

1.26

1.25

1.15

(0.11)(0.10)

1.13

1.60

1.40

1.23

(0.37)(0.17)

1.06

1.00

1.00

0.96

(0.04)(0.04)

1.05

0.99

1.00

0.97

(0.02)(0.03)

0.11

0.09

0.09

0.06

(0.03)(0.03)

0.93
0.54
0.20

0.89
0.47
0.30

0.90
0.56
0.25

0.91
0.24
0.18

0.02
(0.23)(0.12)

0.01(0.32)(0.07)

0.29

0.27

0.25

0.18

(0.09)(0.07)

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, 2015 Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016(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)1.26

15,234

5,524

12,162

9,713

4,189

5,850
17,974
6,902
15,2345,850

2,143
10,523
4,083
5,554
2,155

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

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

1,639
(3,693)(1,423)
3,399
1,331

－

6

－

Senshu Ikeda Holdings,Inc.
5. ROEThe 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, 2015 Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016
(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)

8.07

5.21

5.54

8.10

2.89

2.56

8.07
9.53
7.97

5.23
9.92
7.59

5.52
8.42
6.57

7.46
5.69
7.29

2.23
(4.23)(0.30)

1.94(2.73)
0.72

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016
(c)

30
2,534
2,564

30
2,456
2,486

31
2,523
2,554

6. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank Non-consolidated
Employees and Officers(Number of people)
As of Mar.
31, 2015
Directors and auditors

29
2,498
2,527

Employees
Total(c)-(a)(c)-(b)

1
(11)
(10)

1
67
68

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, 2015
Branches
Sub-branches
Total(Reference) ATMs

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016
(c)

134
5
139
222

134
5
139
225

133
5
138
228

134
5
139
218

(c)-(a)(c)-(b)
(1)

(1)

(1)
6

(1)
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, 2015 Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016(a)(b)(b)-(a)(2,740)(4,998)(6,318)
2,882
7,880
9,582
2,516
5,312
4,666
2,150
12,323

7,478

36

11,631

1,669(5,809)114

78(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, 2015 Sep. 30, 2015 Mar. 31, 2016 Sep. 30, 2016(a)(b)(b)-(a)
3,352
4,312
7,228
308
(4,004)
3,816
4,351
7,628
316
(4,035)
426
358
8
(31)
37
39
41

－

7

－

Senshu Ikeda Holdings,Inc.
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.
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%)

As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

10.09
268,401
275,747

10.99
296,767
302,678

10.59
288,687
297,30910.42
287,539
296,012(c)-(a)(0.57)(9,228)(6,666)(c)-(b)(0.17)(1,148)(1,297)

153,292

205,627

208,220

214,800

9,173

6,580

14,711

14,293

13,8939,856(4,437)(4,037)40,00015,00015,00015,00065,22465,22457,97754,137(11,087)(3,840)7,346
2,657,817
106,3125,911
2,699,346
107,973

8,622
2,724,851
108,994

8,472
2,758,340
110,333

2,561
58,9942,360(150)
33,4891,339(2) The Senshu Ikeda Bank (domestic standard)
Consolidated(Millions of yen)

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%)

As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

10.51
280,062
286,01611.47
310,065
315,14211.10
302,595
310,379

10.35
285,463
293,502(c)-(a)(1.12)(24,602)(21,640)(c)-(b)(0.75)(17,132)(16,877)

187,216

216,836

222,020

228,234

11,3986,214

14,711

14,293

13,8939,856(4,437)(4,037)

82,79682,79673,59754,560(28,236)(19,037)

5,953
2,664,117
106,564

5,076

7,784

8,039

2,963

255

2,701,560
108,062

2,725,680
109,027

2,755,838
110,233

54,2782,171

30,1581,206

Non-consolidated(Millions of yen)
As of Mar.
31, 2015
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%)

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)(c)-(a)(c)-(b)

9.27

10.26

244,865
250,192

274,668
279,1389.90
267,748
275,348

9.74
267,187
274,463(0.52)(7,481)(4,675)(0.16)(561)(885)

177,751

206,727

210,303216,248

9,521

5,945

5,402

5,372

5,455

6,215

843

760

67,03967,03959,59052,000(15,039)(7,590)5,327
2,639,343
105,573

4,469
2,675,477
107,019

7,599
2,704,408
108,176

7,275
2,741,855
109,674

2,806
66,3782,655(324)
37,447
1,498

－

8

－

Senshu Ikeda Holdings,Inc.
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, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

2,494
42,3002,887
41,85988
11,01955,8531,750
39,801
5
10,59952,156

1,785
33,583
5
10,56245,936

11,192
55,988(Note) Amount of partial direct write-off
As of Sep. 30, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Sep. 30, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers

10,920million yen
10,884million yen
10,648million yen
14,436million yen

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans(c)-(a)(1,102)(8,276)(83)(457)(9,917)(c)-(b)35(6,218)0(37)(6,220)26,871million yen
21,785million yen
32,821million yen
44,835million yen(Millions of yen)

As of Sep.
30. 2015(a)
3,657,940

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

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

As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016
(c)

0.06
1.15

0.07
1.14

0.04
1.06

0.04
0.89

(c)-(a)(0.03)(0.25)(c)-(b)0.00(0.17)

0.00

0.00

0.00

0.00

0.00

0.30
1.52

0.28
1.39

0.28
1.22

(0.02)(0.30)

0.00(0.17)

As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

2,636
53,151

3,029
52,11788
13,28268,5171,750
49,081
5
12,834
63,671

1,785
45,781
5
10,83558,408

As of Mar.
31, 2015
Loans and bills discounted

3,656,051(c)-(a)94,010(c)-(b)(117)(%)

Loans to bankrupt borrowers

Ratio oftotal loans
and bills
discounted

Delinquent loans
Loans past due
three months or more
Restructured loans
Total

0.30
1.53

(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

13,53869,326(Note) Amount of partial direct write-off
As of Sep. 30, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Sep. 30, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers

10,920million yen
10,928million yen
10,649million yen
17,297million yen

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans(c)-(a)(1,244)(6,336)(83)(2,447)(10,109)(c)-(b)35(3,300)0(1,999)(5,263)31,784million yen
22,544million yen
33,789million yen
45,394million yen(Millions of yen)

As of Mar.
31, 2015
Loans and bills discounted

3,680,130

As of Sep.
30. 2015(a)3,680,762－

9－

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

As of Sep.
30, 2016(c)
3,766,823(c)-(a)86,061(c)-(b)(6,218)Senshu Ikeda Holdings,Inc.
(%)
As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016
(c)

0.07
1.44

0.08
1.41

0.04
1.30

0.04
1.21

(c)-(a)(0.04)(0.20)(c)-(b)0.00(0.09)

0.00

0.00

0.00

0.00

0.00

0.36
1.88

0.36
1.86

0.34
1.68

0.28
1.55

(0.08)(0.31)(0.06)(0.13)

As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

3,522
54,195

4,087
53,29588
13,28270,753

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

2,583
47,011
5
10,83560,436Loans to bankrupt borrowers

Ratio oftotal loans
and bills
discounted

Delinquent loans
Loans past due
three months or more
Restructured loans
Total

Consolidated(Millions of yen)

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

13,53871,255(Note) Amount of partial direct written-off
As of Sep. 30, 2016: Loans to bankrupt borrowers
As of Mar. 31, 2016: Loans to bankrupt borrowers
As of Sep. 30, 2015: Loans to bankrupt borrowers
As of Mar. 31, 2015: Loans to bankrupt borrowers

12,044million yen
12,006million yen
11,784million yen
18,266million yen

Delinquent loans
Delinquent loans
Delinquent loans
Delinquent loans(c)-(a)(1,504)(6,284)(83)(2,447)(10,317)(c)-(b)(45)(3,241)0(1,999)(5,285)33,127million yen
23,782million yen
35,062million yen
46,747million yen(Millions of yen)

As of Mar.
31, 2015
Loans and bills discounted

3,672,521

As of Sep.
30. 2015(a)3,673,107

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

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

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016
(c)

0.11

0.06

0.06

(c)-(a)85,937(c)-(b)(6,138)(%)

As of Mar.
31, 2015
Loans to bankrupt borrowers

0.09(c)-(a)(0.05)(0.20)(c)-(b)0.00(0.08)

Delinquent loans
1.47
1.45
1.33
1.25
Ratio oftotal loans Loans past due
0.00
0.00
0.00
0.00
0.00
and bills
three months or morediscounted Restructured loans
0.36
0.36
0.34
0.28
(0.08)(0.06)
1.60(0.32)(0.14)
Total
1.94
1.92
1.74
(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.

－

10

－

Senshu Ikeda Holdings,Inc.
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, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

16,19816,290

16,232

11,339(c)-(a)(4,951)(c)-(b)(4,893)

5,402

5,372

5,455

6,215

843

760

10,796

10,917

10,777

5,123(5,794)(5,654)As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

26,232

26,022

25,742

10,507

10,382

10,416

15,725

15,639As of Mar.
31, 2015(Reference)
Including two business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2015
Reserve for possible loan losses
General reserve for possible
loan losses
Specific reserve for possible
loan losses

17,251(c)-(a)(8,771)(c)-(b)(8,491)

6,672(3,710)(3,744)

15,325

10,579(5,060)(4,746)

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

31,90731,19830,483

21,693(c)-(a)(9,505)(c)-(b)(8,790)14,711

14,293

13,8939,856(4,437)(4,037)

17,196

16,905

16,58911,837(5,068)(4,752)As of Sep.
30. 2015(a)29.16

As of Mar.
31, 2016(b)
31.12

As of Sep.
30, 2016(c)
24.68

As of Sep.
30. 2015(a)37.97

As of Mar.
31, 2016(b)
40.42

As of Sep.
30, 2016(c)
29.53

As of Sep.
30. 2015(a)44.09

As of Mar.
31, 2016(b)
46.38

As of Sep.
30, 2016(c)
35.89

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, 2015
Reserve ratios

28.93(c)-(a)(4.48)(c)-(b)(6.44)(Reference)
Including two business rehabilitation subsidiaries(%)
As of Mar.
31, 2015
Reserve ratios

37.83(c)-(a)(8.44)(c)-(b)(10.89)Consolidated(%)
As of Mar.
31, 2015
Reserve ratios

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

－

11

－

(c)-(a)(8.20)(c)-(b)(10.49)Senshu Ikeda Holdings,Inc.
4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank Non-consolidated(Millions of yen, %)As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

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

6,437
38,676
11,19256,306
3,623,475

6,359
38,638
11,107
56,104
3,624,341

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

4,317
31,257
10,567
46,142
3,725,153(c)-(a)(2,042)(7,381)(540)(9,962)
100,812(c)-(b)(331)(5,892)(37)(6,261)
5,070

Total (B)3,679,782

3,680,446

3,772,486

3,771,296

90,850(1,190)

1.53

1.52

1.38

1.22

(0.30)(0.16)

59,61443,71432,87937,981(5,733)

5,102

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

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

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

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

7,136
48,96913,53869,644
3,634,217

6,832
48,565
13,37068,7683,634,500

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

6,615
41,157
10,841
58,614
3,727,555(c)-(a)(217)(7,408)(2,529)(10,154)
93,055(c)-(b)1,770(5,076)(1,999)(5,304)(1,987)

Total(B)

3,703,861

3,703,268

3,793,461

3,786,169

82,901(7,292)

1.88

1.85

1.68

1.54

(0.31)(0.14)

63,03544,682

33,68342,894(1,788)9,211

Non-performing loans ratio (A)/(B)Partial direct write-off(Notes)Credits:
Credits represent loans and bills discounted; Foreign exchanges; Accrued income and suspense payment account under
Other assets; and Customers liabilities for acceptances and guarantees in the Balance Sheet; as the securities loaned(limited for use agreements or lease contracts,) which are required to be stated in a note to the Balance Sheet.
Bankruptcy and quasi-bankrupt credit:
Bankruptcy and quasi-bankrupt credits represent the credits held by borrowers who have been classified as bankrupt
borrowers and effectively bankrupt borrowers by the Bank s self-assessment.
Doubtful credit:
Doubtful credits represent the credits held by borrowers who have been classified as potentially bankrupt borrowers by
the Bank s self-assessment.
Substandard credit:
Substandard credits represent the credits held by borrowers who have been classified as loans past due three months ormore and restructured loans among the credits requiring special caution. (Borrowers requiring special caution:
Borrowers who have concerns in lending conditions, exercising their obligations and financial situation, requiring special
caution on their future situations.)
Normal credit:
Normal credits represent the credits held by borrowers who show no particular problems regarding financial conditions
and business performances; therefore they are classified as an item other than the aforementioned credits.

－

12

－

Senshu Ikeda Holdings,Inc.
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, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

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

50,842
13,25037,591

48,852
12,08936,76247,09813,66433,43341,022
8,777
32,245(c)-(a)(7,830)(3,312)(4,517)(c)-(b)(6,076)(4,887)(1,188)Coverage ratio(C)/(A)

90.29

87.07

89.87

88.90

1.83

(0.97)

Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2016)(Millions of yen, %)Coverage amountCredit amount
Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Total

4,317
31,257
10,567
46,142

Reserve forpossible loan
lossesCollateral andguarantees

Coverage ratio

324
4,652
3,799
8,777

3,992
22,743
5,509
32,245100.00
87.64
88.09
88.90

4,317
27,3959,309
41,022(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2015

As of Sep.
30. 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

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

60,96818,88742,081

58,825
17,42541,39956,08818,78837,30052,053
14,322
37,731(c)-(a)(6,772)(3,103)(3,668)(c)-(b)(4,035)(4,466)
431

Coverage Ratio (C)/(A)

87.54

85.54

87.74

88.80

3.26

1.06

Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2016)(Millions of yen, %)Coverage amountCredit amount
Bankruptcy and quasi-bankrupt credit
Doubtful credit
Substandard credit
Total

6,615
41,157
10,841
58,614

6,615
35,9839,454
52,053－

13－

Reserve forpossible loan
lossesCollateral andguarantees

Coverage ratio384
10,0483,889
14,322

6,230
25,935
5,565
37,731100.00
87.42
87.21
88.80

Senshu Ikeda Holdings,Inc.
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, 2015

As of Sep.
30, 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

3,656,051
341,673961
93

3,657,940
338,912777
46

3,752,067
347,553846
140

3,751,950
345,335922
68(c)-(a)94,010
6,423
145
22

(c)-(b)(117)(2,218)
76
(72)

220

198

193

214

16

21

80,89080,53786,29788,007

7,470

1,710

14,75915,23015,37815,229(1)(149)

15,281
82,569248,249
168,865
511,234

14,34084,355
253,842
172,154528,893

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

13,683103,314264,008
173,029
550,619(657)
18,959
10,166875
21,726

90
2,575
6,651
(4,908)13,532

10,48010,457

11,951

12,7902,333

839

21,97324,132

24,87525,231

1,099

356

12,59812,276

14,466

14,782

2,506

316

7,580

7,704

8,355

9,305

1,601

950

45,416
69,047
227,548
1,796,602

47,39270,752
208,625
1,787,309

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

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

14,5205,752(13,523)
14,578

11,672
1,265(24,472)(8,347)－14－

Senshu Ikeda Holdings,Inc.
(2) Risk Monitored Loans(Millions of yen)
As of Mar.
31, 2015
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, 2015(a)

As of Mar.
31, 2016(b)

As of Sep.
30, 2016(c)

55,98815,908448

55,853
16,226441

52,156
14,887
441

5,992

5,527

214

45,9369,542438(c)-(a)(9,917)(6,684)(3)(c)-(b)(6,220)(5,345)
(3)

4,943

4,663

(864)

(280)

211

209

151

(60)

(58)

114
628
5,064
888
13,928

70
699
5,113
796
13,761

243
707
4,678
766
13,021

335
632
5,143
673
12,853

265
(67)
30
(123)
(908)

92
(75)
465
(93)
(168)

348

321

316

312

(9)

(4)

729

658

630

689

31

59

542

452

395

342

(110)

(53)

9

88

8

8

(80)

608
1,503

603
1,770

879
1,479

871
1,624

268
(146)

(8)
145

9,057

9,110

8,548

7,654

(1,456)

(894)

－

15

－

Senshu Ikeda Holdings,Inc.
7. Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank Non-consolidated(As of Sep. 30, 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
Category
Category
Category Category
Outstanding loans

Bankrupt

0.3

1.3

1.7
Effectively
bankrupt

1.0

17.8

9.5

31.2
Requiring
specialcaution
Watch
list

(

)

(0.2)

(0.0)

1.4

2.5
Potentiallybankrupt

(0.0)

3.8

Doubtful

(4.6)

31.2

Total

(Notes)

22.7

0.6

5.5

11.4

0.3

4.6

3.7

Classification

Outstandingbalance ofloans

Loans tobankrupt
borrowers

1.7

Delinquent
loans

33.5

100.00

87.64

88.09

10.5

Loans past due
three months or
more
Restructured
loans

0.0
10.5

Subtotal

51.6

32.2

46.1

67.8

3,725.1
3,604.1

3,675.6

91.7

3.8
(4.9)

Total
(0.0)

8.7

88.90

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
to total credit: 1.22%

NormalNormal

3,771.2

3.9

Coverageratio

Substandard

119.4

3,604.1

Bankruptcy
andquasibankrupt

Reserve

4.3

12.0
Other
borrowers
requiring
cautionClassification
Secured or
Outstanding
guaranteedloans

Risk monitored loans

Total

Ratio of risk managed loans tototal loans: 1.22%

Loans and bills
discounted

3,771.2

45.9

3,751.9

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.

－16－