INTERIMREPORT
2019

Six Months Ended
September 30,2019

Sustained contribution to the regional communities
Management Principle

Strive to become a financial group that “endear ourselves to the regional
community by providing services tailored to customers’ needs, whilevaluing “broad networks of relationships” and “an enterprising spirit.”

Management Policy

1. Create a “most trusted by customers” financial group which
respects personal relationships and promotes honest andapproachable banking.
2. Create a financial group with a commanding regional presence byresearching and predicting trends to provide advanced, high-quality
services.
3. Pursue transparent operations and live up to the trust of theshareholders, while maintaining a competitive edge through strong
financial standing, high profitability and management efficiency.
4. Promote “coexistence with the region” by utilizing industrial,academic and management networks for business matching.
5. Focus on gaining the trust of the communities through compliancewith laws and regulations and corporate activities that are considerateof the environment.
6. Provide a workplace for employees of the financial group which
encourages employees to exercise talents and develop skills, with
an emphasis on proactive self improvement, thereby contributing to
the development of upstanding citizens.

CONTENTS
Corporate Information …………………………………… 2
Board of Directors ...……………………………………… 3
Consolidated Financial Informationof Senshu Ikeda Holdings (Unaudited) ………………… 4
Non-consolidated Financial Informationof The Senshu Ikeda Bank (Unaudited) ..……………… 91

SENSHU IKEDA HOLDINGS,INC. INTERIM REPORT 2019

SENSHU IKEDA HOLDINGS,INC.

Corporate Information
Corporate Data (As of the end of September, 2019)
Senshu Ikeda Holdings, Inc.
Establishment: October 1, 2009
Location:18-14 Chayamachi, Kita-ku, Osaka-City, Osaka 530-0013, Japan
Phone:
81-(0)6-4802-0181
URL:
https://www.senshuikeda-hd.co.jp
Share Capital:¥102.9 billion
Business Activities: Management and other related operations of banks and affiliates
whose shares can be held in accordance with the Banking Act
and other related operations, and businesses which bank holding
company can operate in accordance with the Banking Act.
Number of Employees: 108
Stock Listing:Tokyo Stock Exchange

The Senshu Ikeda Bank, Ltd.
Establishment: September 1, 1951
18-14 Chayamachi, Kita-ku, Osaka-City, Osaka 530-0013, Japan
Location:
Phone:
81-(0)6-6375-1005
URL:
https://www.sihd-bk.jp
Share Capital:¥61.3 billion
Deposits:¥4.9928 trillion
Loans:¥3.9173 trillion
Number of Branches: 140
Number of Employees: 2,457

International Network
Suzhou Representative Office:

Ho Chi Minh City Representative Office:399 East Baodai Road,
Wuzhong District, Suzhou,
Jiangsu, China

7th Floor, Sun Wah Tower,
115 Nguyen Hue Boulevard,
District 1, Ho Chi Minh City,
VietnamPhone:
84-(0)28-3821-3295
Facsimile :84-(0)28-3821-3298

Phone:
Facsimile :86-(0)512-6585-1791
86-(0)512-6585-2312

Senshu Ikeda Tokai Tokyo Securities Co.,Ltd.
Establishment: January 30, 2013
Location:18-14 Chayamachi, Kita-ku, Osaka-City, Osaka 530-0013, Japan
Phone:
81-(0)6-6485-0031
URL:
https://www.sittsec.co.jp
Share Capital:¥1.25 billion
Assets Under Management: ¥117.0 billion
Number of Branches: 5
Number of Employees: 119

SENSHU IKEDA HOLDINGS,INC. INTERIM REPORT 20192

Board of Directors
Senshu Ikeda Holdings
n Board of Directors (As of June 25, 2019)
Representative Director
and Chairman

Takayuki Ota

Director

Hiroo Maeno

Director(Outside)

Minoru Furukawa

Audit & Supervisory
Board Member(Full-time)

Susumu Kawakami

Representative Director,
President and CEO

Atsushi Ukawa

Director

Yasuki Hosomi

Director(Outside)

Takao Koyama

Toshiaki Sasaki

Director

Shinji Inoue

Director(Outside)

Tomokazu Yamazawa

Director

Hiromasa Hirai

Audit & Supervisory
Board Member(Full-time)

Shigeru Aoyagi

Audit & Supervisory
Board Member(Outside)
Audit & Supervisory
Board Member(Outside)
Audit & Supervisory
Board Member(Outside)

Tsutomu Irie

Executive
Officer

Osamu Tsukagoshi

Executive
Officer

Takayoshi Fujiwara

Seiji Morinobu
Kouhei Nakanishi

n Executive Officers (As of June 25, 2019)
Executive
Officer

Toshiyuki Wada

Executive
Officer

The Senshu Ikeda Bankn Board of Directors (As of June 25, 2019)
Representative Director
and Chairman
Representative Director,
President and CEO

Takayuki Ota

Director & Senior Managing
Executive Officer

Atsushi Ukawa

Minoru Furukawa

Audit & Supervisory
Board Member (Full-time)

Osamu Horiuchi

Yasuki Hosomi

Non-executive Director(Non-full-time)

Takao Koyama

Audit & Supervisory
Board Member (Outside)

Ken-ichi Yoshimoto

Shinji Inoue

Non-executive Director(Non-full-time)

Tomokazu Yamazawa

Audit & Supervisory
Board Member (Outside)

Kenji Fukuda

Hiromasa Hirai

Audit & Supervisory
Board Member (Full-time)Masahiro Saito

Hiroo Maeno

Non-executive Director(Non-full-time)

Director & Senior Managing
Executive Officer
Director & Managing
Executive Officer
Director &Executive Officer

n Executive Officers (As of June 25, 2019)
Senior Managing
Executive Officer

Koji Miyata

Managing
Executive Officer

Akihito Okumura

Managing
Executive Officer

Muneharu Kurita

Managing
Executive Officer

Kou Tanaka

Managing
Executive Officer

Toshiyuki Wada

Executive
Officer

Susumu Yamagata

Executive
Officer

Kouichi Nakanishi

Executive
Officer

Tadashi Ichikawa

Executive
Officer

Osamu Tsukagoshi

Executive
Officer

Kyoko Matsushita

Tsutomu Irie

Executive
Officer

Yoshimasa Nishikawa

Executive
Officer

Keisuke Misaki

Hirohito Sakaguchi

Executive
Officer

Tokikazu Hihara

Executive
Officer

Hideya Arimoto

Jun Matsumura

Executive
Officer

Takayoshi Fujiwara

Executive
Officer
Executive
Officer
Executive
Officer

Senshu Ikeda Tokai Tokyo Securitiesn Board of Directors (As of June 25, 2019)
Representative
Director andPresident
Representative
Director andVice PresidentManaging
Director

Motoshi Inoue

Audit & Supervisory
Board Member(Full-time)

Yoshiyuki Goto

Toshifumi Takai

Audit & Supervisory
Board Member(Outside)
Audit & Supervisory
Board Member(Outside)

Satoshi Kitagawa

Mamoru Kudon Executive Officers (As of June 25, 2019)3

Executive Officer

Toshiyuki Inoue

Executive Officer

Shigeki Kawamura

SENSHU IKEDA HOLDINGS,INC. INTERIM REPORT 2019

Sakae Fujishiro

Consolidated Financial Information of Senshu Ikeda Holdings (Unaudited)
Consolidated Interim Balance Sheets (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
As of 30th September, 2019 and 31st March, 2019

Millions of yen
As of September 30,
As of March 31,
2019
2019

Thousands of
U.S. dollars
As of September 30,
2019

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¥¥

799,427
11,13499
97
26,984
577,580
3,900,313
5,309
82,693
38,957
5,443
14,423
6,778
8,235(12,491)
5,464,987¥

743,563
7,127
100
112
27,003
612,741
3,913,086
5,514
79,93940,093
5,152
13,512
8,403
8,492(13,965)
5,450,878$

4,971,258
38,336
143,430802
58,881
1,473
148
4
606
156
514
863
5
197
8,235
5,224,916¥

4,945,548
87,321
123,077
408
45,960
1,225
146
8
611
254
371
799
4
184
8,492
5,214,416$ 46,064,288
355,226
1,329,040
7,431
545,598
13,648
1,371
37
5,615
1,445
4,762
7,996
46
1,825
76,306
48,414,714

102,999
42,10578,146(298)
222,952

102,999
42,10378,804(831)
223,074

954,401
390,150
724,110(2,761)
2,065,900

12,735(145)
2,205
14,79569
2,254
240,0715,464,987

9,285
(136)
2,197
11,346
71
1,969
236,4625,450,878

118,004(1,343)
20,431137,092
639
20,8852,224,527$ 50,639,242¥

7,407,588
103,169917
898
250,037
5,351,927
36,140,780
49,193
766,243
360,980
50,435
133,645
62,80576,306(115,743)$ 50,639,242

Liabilities and net assets
Liabilities
Deposits
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
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 losses on guarantees
Reserve for contingent losses
Reserve under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net assets
Shareholders’ equity:
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Accumulated other comprehensive income: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

¥

¥

¥

(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

4Consolidated Interim Statements of Operations (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2019 and 2018

Millions of yen
2019
2018

Thousands of
U.S. dollars
2019

IncomeInterest income:Interest on loans and bills discounted
Interest and dividends on securities
Other interest income
Fees and commissions
Other operating income
Reversal of provision for possible loan losses
Recoveries of written-off claims
Gain on sales or disposal of fixed assets
Other income
Total income¥

19,651
2,238
342
10,709
3,981
–
560
363
7,652
45,499¥20,285
3,352
274
10,260
3,594
1,481
540
9
8,272
48,072$

182,088
20,737
3,169
99,23036,888
–
5,189
3,363
70,904
421,599

Expenses
Interest expenses:
Interest on deposits
Interest on borrowings and rediscounts
Other interest expenses
Fees and commissions
Other operating expenses
General and administrative expenses
Loss on sales or disposal of fixed assets
Loss on impairment of fixed assets
Other expenses
Total expenses
Income before income taxes

724
145
818
3,636
5,531
24,03510
68,556
43,466
2,032

881
208
1,580
2,986
5,437
24,23932
18
8,401
43,785
4,287

6,708
1,343
7,579
33,691
51,250222,71192
55
79,280402,761
18,828

Income taxes
Current
Deferred
Total income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of the parent

419
(200)
218
1,813
(9)
1,822

858
377
1,236
3,050
69
2,981

3,882
(1,853)2,020
16,799(83)
16,882¥¥$(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

Consolidated Interim Statements of Comprehensive Income (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2019 and 2018

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

Millions of yen
2019
2018
1,813
¥
3,050

3,451
(8)
7
3,450
5,264
5,272
(7)

¥

3,005
2
146
3,154
6,205
6,135
69

(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

5

Thousands of
U.S. dollars
2019$16,799$31,977(74)
64
31,96848,77648,851(64)

Consolidated Interim Statement of Changes in Net Assets (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended September 30, 2018

BALANCE, APRIL 1, 2018
Changes in subsidiarie's equity
Cash dividends
Profit attributable to owners of the parent
Acquisition of treasury stock
Disposal of treasury stock
Net changes in items otherthan shareholder’s equity
Total changes during the period
BALANCE, SEPTEMBER 30, 2018

Capitalstock

CapitalsurplusRetainedearnings

102,999

57,381
1

78,153

Treasurystock(1,476)(2,743)
2,981
(4)
392

(22)

–
102,999(21)
57,360237
78,390388(1,087)

Millions of Yen
Accumulated othercomprehensive income
Net unrealizedNetgain (loss) on unrealized RemeasureTotal
available- gain (loss) on ments ofStockshareholder’s
for-saledeferreddefinedsubscription
equitysecurities
hedgesbenefit plansrights237,057
1(2,743)
2,981
(4)
369

Noncontrollinginterests

Total net
assets

6,981

(115)

1,355

122

3,533

248,935
1(2,743)
2,981
(4)
369

3,005

2

146

(62)

(1,552)

1,539

3,005
9,987

2
(113)

146
1,502

(62)
59

(1,552)
1,980

2,143
251,078

Millions of Yen
Accumulated othercomprehensive income
Net unrealizedNetgain (loss) on unrealized RemeasureTotal
available- gain (loss) on ments ofStockshareholder’s
for-saledeferreddefinedsubscription
equitysecurities
hedgesbenefit plansrights

Noncontrollinginterests

Total net
assets604
237,661

Six months ended September 30, 2019

BALANCE, APRIL 1, 2019
Cash dividends
Profit attributable to owners of the parent
Acquisition of treasury stock
Disposal of treasury stock
Net changes in items otherthan shareholder’s equity
Total changes during the period
BALANCE, SEPTEMBER 30, 2019

BALANCE, APRIL 1, 2019
Cash dividends
Profit attributable to owners of the parent
Acquisition of treasury stock
Disposal of treasury stock
Net changes in items otherthan shareholders’ equity
Total changes during the period
BALANCE, SEPTEMBER 30, 2019

Capitalstock

CapitalsurplusRetainedearnings

102,999

42,10378,804(2,480)1,822

142,105(657)
78,146

Capitalstock

CapitalsurplusRetainedearnings

954,401

390,131730,207(22,979)
16,882

9–954,401

9
390,150

(831)

(0)
533

1

–
102,999

Treasurystock(6,087)724,110533(298)

Treasurystock

223,074(2,480)
1,822
(0)
535

9,285

(136)

2,197

71

1,969

236,462(2,480)
1,822
(0)
535

3,450

(8)

7

(2)

284

3,731

3,450
12,735

(8)
(145)

7
2,205

(2)
69

284
2,254

3,608
240,071

Thousands of U.S. Dollars
Accumulated othercomprehensive income
Net unrealizedNetgain (loss) on unrealized RemeasureTotal
available- gain (loss) on ments ofStockshareholder’s
for-saledeferreddefinedsubscription
equitysecurities
hedgesbenefit plansrights

Noncontrollinginterests

Total net
assets(122)
222,952(7,700) 2,067,031(22,979)
16,882
(0)
(0)
4,938
4,957

4,938
(1,130)(2,761) 2,065,900

86,035(1,260)20,357657

18,244 2,191,085(22,979)
16,882(0)
4,957

31,968

(74)

64

(18)

2,631

31,968118,004(74)(1,343)64
20,431

(18)
639

2,631
33,432
20,885 2,224,527

34,571(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

6

Consolidated Interim Statements of Cash Flows (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2019 and 2018

Thousands of
U.S. dollars
2019

Millions of yen
2019
2018
Cash flows from operating activities
Income before income taxes¥

Depreciation

2,032

¥

4,287

18,8282,680

27,205

Loss on impairment of fixed assets

6

18

55

Amortization of goodwill

13

108

120

(Earnings) losses from investments under the equity method

(6)

(14)

(55)

(1,473)(1,791)(13,648)

Increase (decrease) in accrued bonuses

248

(357)

2,297

Decrease (increase) in net defined benefit asset

(910)

(814)

(8,432)

Increase (decrease) in net defined benefit liability

2

5

18

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

(3)

(24)

(27)

Increase (decrease) in reserve for reimbursement of deposits

(4)

56

(37)

Increase (decrease) in reserve for point services

(98)

9

(908)

Increase (decrease) in reserve for losses on guarantees

143

–

1,325

Increase (decrease) in reserve for possible loan losses

Increase (decrease) in reserve for contingent losses

63

27

583

Interest income(22,232)(23,912)(206,004)

Interest expenses

1,688

2,670

15,641(Gain) loss on securities

1,708

631

15,826(Gain) loss on money held in trust

15

72

138

(Gain) loss on foreign exchange

4,123(6,709)38,204(Gain) loss on sales or disposal of fixed assets, net

(353)

12

(3,270)Net (increase) decrease in loans and bills discounted

12,77323,139118,356

Net increase (decrease) in deposits

25,710(1,339)238,232

–

(900)

–

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

20,353(8,936)

188,593

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

169(1,452)

1,565

Net (increase) decrease in trading account securities

15

3

138

Net (increase) decrease in call loans and bills bought and others(4,006)2,431(37,120)

Net increase (decrease) in payables under securities lending transactions

Net increase (decrease) in negotiable certificates of deposit(48,985)(34,175)(453,901)

Net (increase) decrease in foreign exchange (assets)

204

120

1,890

Net increase (decrease) in foreign exchange (liabilities)

394

160

3,650

23,53624,180218,087

Interest paid

(1,934)(3,062)(17,920)

Other

11,190

3,993

103,687

27,319(18,879)

253,141

223

587

2,066

Interest received

Subtotal
Income taxes refund
Net cash provided by (used in) operating activities¥

27,543¥(18,292)(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

7

$

2,936

$

255,216

Consolidated Interim Statements of Cash Flows (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2019 and 2018

Millions of yen
2019
2018

Thousands of
U.S. dollars
2019(120,562)

Cash flows from investing activities(78,327)$ (1,117,142)

Proceeds from sales of securities

Purchases of securities¥

74,69026,060692,086

Proceeds from maturity of securities

78,13436,256

723,999

Purchases of tangible fixed assets(1,398)(1,523)(12,954)

Purchases of intangible fixed assets(1,243)(841)(11,517)

602

111

5,578

30,222(18,264)

280,040

Proceeds from sales of tangible fixed assets
Net cash provided by (used in) investing activities¥

Cash flows from financing activities
Decrease in subordinated bonds and bonds with stock subscription rights
Proceeds from stock issuance to non-controlling shareholders
Cash dividends paid–

(10,000)

–

280

–

2,594

(2,480)(2,743)(22,979)

Cash dividends paid to non-controlling shareholders

(3)

(35)

(27)

Purchases of treasury stock

(0)

(4)

(0)

535

369

4,957

(1,669)(12,414)(15,465)

Proceeds from disposition of treasury stock
Net cash provided by (used in) financing activities
Effect of exchange rate changes on cash and cash equivalents
Net increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period

(63)

115

(583)

56,033(48,855)

519,208

736,824¥

792,857

706,045¥

657,189

6,827,501$

7,346,710(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

8

Non-consolidated Financial Information of The Senshu Ikeda Bank (Unaudited)
Non-consolidated Interim Balance Sheets (Unaudited)
The Senshu Ikeda Bank, Ltd.
As of 30th September, 2019 and 31st March, 2019

Millions of yen
As of September 30,
As of March 31,
2019
2019

Thousands of
U.S. dollars
As of September 30,
2019

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
Prepaid pension cost
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Reserve for possible investment losses
Total assets¥¥

796,487
11,13499
97
26,984595,256
3,917,375
5,309
42,33333,674
5,442
11,246
6,490
8,235(8,033)(1,874)5,450,258¥

4,992,854
26,50038,336132,061802
31,953
1,279
4
606
39
863
8,235
5,233,538¥¥

740,142
7,127
100
112
27,003629,846
3,926,357
5,514
41,43934,864
5,195
10,347
8,123
8,492(8,587)(1,874)
5,434,204$

7,380,346
103,169917
898
250,037
5,515,715
36,298,878
49,193392,262
312,027
50,426104,206
60,13776,306(74,434)(17,364)$ 50,502,761

4,990,415–
87,321
112,276
408
18,829
1,035
7
611
141
799
8,492
5,220,340$ 46,264,399
245,552
355,226
1,223,693
7,431
296,080
11,851
37
5,615
361
7,996
76,30648,494,607

61,38588,862
54,862
205,110
8,889
(136)
8,753
213,864
5,434,204

568,800
823,406
503,094
1,895,311
114,186(1,343)112,8422,008,154$ 50,502,761

Liabilities and net assets
Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Other liabilities
Provision for employees’ bonuses
Accrued retirement benefits for directors and corporate auditors
Reserve for reimbursement of deposits
Reserve for point services
Reserve for contingent losses
Acceptances and guarantees
Total liabilities
Net assets
Shareholders’ equity:
Capital stock
Capital surplus
Retained earnings
Total shareholders’ equity
Net unrealized gain (loss) on available-for-sale securities
Net unrealized gain (loss) on deferred hedges
Total valuation and translation adjustments
Total net assets
Total liabilities and net assets¥¥

61,38588,86254,294
204,542
12,323(145)
12,178
216,720
5,450,258¥(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

9Non-consolidated Interim Statements of Operations (Unaudited)
The Senshu Ikeda Bank, Ltd.
Six months ended 30th September, 2019 and 2018

Millions of yen
2019
2018

Thousands of
U.S. dollars
2019

IncomeInterest income:Interest on loans and bills discounted
Interest and dividends on securities
Other interest income
Fees and commissions
Other operating income
Other income
Total income¥

19,657
3,216
333
8,632
3,308
2,609
37,758¥20,264
4,553
265
7,927
2,816
4,780
40,608$

182,144
29,7993,085
79,98530,652
24,175349,870

Expenses
Interest expenses:
Interest on deposits
Other interest expenses
Fees and commissions
Other operating expenses
General and administrative expenses
Other expenses
Total expenses
Income before income taxes
Income taxes
Current
Deferred
Total income taxes
Net income

¥

724
945
4,669
5,531
21,3482,867
36,086
1,671

881
1,766
4,064
5,437
21,645
3,057
36,853
3,754

6,708
8,756
43,263
51,250197,813
26,565334,377
15,483

(41)
(202)
(244)
1,915

(184)
319
134
3,620

(379)
(1,871)(2,260)17,744¥$(Note 1) The amounts are presented in millions of yen and are rounded down to the nearest million.
(Note 2) U.S. dollar amounts are translated, for convenience only, at the rate of ¥107.92 = $1.00, as of Sept. 30, 2019.
(Note 3) The amounts are presented in thousands of dollars and are rounded to the nearest thousands.

10httpshttps

SENSHU IKEDA TOKAI TOKYOSECURITIES CO.,LTD.
18-14,Chayamachi,Kita-ku,Osaka 530-0013,Japan
Phone:81-(0)6-6485-0031
https://www.sittsec.co.jp/