Financial Results for the Second Quarter of the Fiscal Year ending March 31, 2019
(Consolidated Data)
November 13, 2018
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

President and Representative Director:

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

Atsushi Ukawa
Tsutomu Irie, Executive Officer, General Manager of the Corporate

For inquiries:
Planning and General Affairs Division
Telephone: +81-6-4802-0013
Scheduled date for filing quarterly securities report:

November 29, 2018

Scheduled date to commence dividend payments:

December 3, 2018

Segregated trading accounts:

None

Supplementary material on quarterly financial results:

Yes

Quarterly 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 Second Quarter (Interim period) of the Fiscal Year ending March 31, 2019 (April 1, 2018－
September 30, 2018)(1) Consolidated Operating Results(%: Changes from previous fiscal year)

Ordinary revenue
Million yen

Profit attributable toowners of the parent

Ordinary income%

Million yen%

Million yen%

Six months ended
September 30, 2018

48,063(19.1)

4,329(38.8)

2,981(29.0)

Six months ended
September 30, 2017

59,432

14.4

7,079

(40.2)

4,201(52.3)(Note) Comprehensive income:Six months ended September 30, 2018

6,205million yen[ (40.1%) ]Six months ended September 30, 2017

10,369million yen[ (23.9%) ]Net income
per share

Diluted earnings
per share

Yen

Yen

Six months ended
September 30, 2018

8.42

8.17

Six months ended
September 30, 2017

12.87

12.09

Total assets

Total net assets(2) Consolidated Financial Position

As of September 30, 2018
As of March 31, 2018

Million yen
5,474,991

Million yen
251,078

5,526,003

248,935

Equity ratio
%
4.5
4.4

(Reference) capital: As of September 30, 2018 : 249,038million yen ; As of March 31, 2018 : 245,279million yen
Note:“Equity ratio” is calculated as: (Total net assets at the end of period － Stock subscription rights at the end of period － Noncontrolling 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.

2. Dividends
Annual Dividends per Share
First
Quarter

SecondQuarter

Third
Quarter

Year
End

Total

Yen

Yen

Yen

Yen

Yen

Fiscal Year ended
March 31, 2018

－

7.50

Fiscal Year ending
March 31, 2019

－

7.50

Fiscal Year ending
March 31, 2019
(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, 2019 (April 1, 2018－March 31, 2019)(%: Changes from corresponding period of previous fiscal year)
Ordinary revenue

Full Year
Note:

Million yen
90,000%(19.3)

Ordinary income
Million yen
7,500%(47.2)

Profit attributable toowners of the parent
Million yen
6,000

Net income per share%(28.5)

Yen
16.96

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, 2019 : None
(Changes in specific subsidiaries involving changes in the scope of consolidation)
Added － (company name)－

(2)

(3)

Excluded－ (company name)－

Changes in accounting policies, changes in accounting estimates, and retrospective restatements(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, 2018

281,008,632 shares

As of March 31, 2018

281,008,632 shares(b) Number of treasury shares
As of September 30, 2018

2,304,468 shares

As of March 31, 2018

3,089,250 shares(c) Average number of shares for the period under review (interim period)
Six months ended September 30, 2018278,286,206 shares

Six months ended September 30, 2017276,926,115 shares

(Reference) Overview of Non-Consolidated Financial Results
1. Non-consolidated Financial Highlights for the Second Quarter (Interim period) of the Fiscal Year ending March 31, 2019
(April 1, 2018－September 30, 2018)(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%

Six months ended
September 30, 2018

3,216

0.1

2,793

0.1

2,813

0.1

2,828

1.2

Six months ended
September 30, 2017

3,210

(0.1)

2,789

(1.0)

2,808

(1.0)

2,792

(1.4)

Net income
per share
Yen
Six months ended
September 30, 2018

7.87

Six months ended
September 30, 2017

7.78

(2) Non-consolidated Financial Conditions
Total assets

Total net assets

Equity ratio

Million yen

Million yen%

As of September 30, 2018

208,832

206,837

99.0

As of March 31, 2018

209,519

206,449

98.4(Reference) Capital: As of September 30, 2018 : 206,777million yen ; As of March 31, 2018 : 206,327million 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.
Note:

From the beginning of the Second Quarter (Interim period) under review , the Company has applied "Partial Amendments to
Accounting Standard for Tax Effect Accounting" (ASBJ Statement No. 28, February 16, 2018), etc. The figures as of March
31, 2018 have been adjusted retrospectively to apply these accounting standards.

2. Non-Consolidated Performance Forecasts for the Fiscal Year ending March 31, 2019 (April 1, 2018－March 31, 2019)(%: Changes from corresponding period of previous fiscal year)

Full Year

Operating revenue

Operating income

Ordinary income

Net income

Million yen%

Million yen%

Million yen%

Million yen

%

6,400

0.2

5,600

0.1

5,600

(0.4)

5,600

0.1

Net income per share
Yen

15.52

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.

〇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

Fiscal Year ended
March 31, 2018

－

35.00

－

35.00

70.00

Fiscal Year ending
March 31, 2019

－

35.00
－

35.00

70.00

Fiscal Year ending
March 31, 2019
(Forecasts)(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, 2018

－

15.00

－

15.00

30.00

Fiscal Year ending
March 31, 2019

－

15.00
－

15.00

30.00

Fiscal Year ending
March 31, 2019
(Forecasts)

Consolidated Financial Statements(1) Consolidated Balance Sheets
As of March 31, 2018
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, 2018713,371
3,783
100
176
26,987736,415
3,897,405
5,448
82,965
41,1485,209
11,114
7,427
9,322(14,873)
5,526,003

665,968
1,382
70
172
26,910737,680
3,874,265
5,327
102,288
40,727
5,172
11,9297,499
8,678(13,082)5,474,991

4,902,103900
165,002132,133
562
20,00043,314
1,876
151
33
512
246
770
2
135
9,322
5,277,067

4,900,763－
130,826
123,197722
10,00046,227
1,518
157
8
568
255
797
4
185
8,678
5,223,913

102,999
57,381
78,153(1,476)
237,057
6,981
(115)
1,355
8,222
122
3,533
248,935
5,526,003

102,999
57,36078,390(1,087)
237,661
9,987
(113)
1,502
11,37659
1,980
251,078
5,474,991

(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, 2017

For the Six months
ended September 30, 2018

Ordinary revenue

59,43248,063

Interest income

25,97023,912

Interest on loans and bills discounted

20,584

20,285Interest and dividends on securities

5,123

3,352

9,849

10,260Fees and commissions
Other operating income

1,738

3,594

Other income

21,874

10,294

Ordinary expenses

52,352

43,734

Interest expenses

2,694

2,670

1,344

881

Fees and commissions payments

Interest on deposits

3,387

2,986

Other operating expenses

14,374

5,437

General and administrative expenses

25,83324,239Other expenses

6,062

8,400

Ordinary income

7,079

4,329

Extraordinary income

1,710

9

1,710

－

Gain on return of retirement benefit trust

－

9

35

51

Loss on sales or disposal of fixed assets

19

32

Impairment loss

15

18

Gain on sales or disposal of fixed assets
Extraordinary loss

Transfer to reserve for financial products transaction liabilities

0

1

8,754

4,287

Income taxes - current

498

858

Income taxes - deferred

3,936

377

Total income taxes

4,434

1,236

Profit

4,319

3,050

Income before income taxes

Profit attributable to non-controlling interests
Profit attributable to owners of the parent

118

69

4,201

2,981

Consolidated Statements of Comprehensive Income(Unit: Millions of yen)
For the Six months
ended September 30, 2017

For the Six months
ended September 30, 2018

Profit

4,319

3,050

Other comprehensive income

6,049

3,154

6,864

3,005

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

(41)

2

Remeasurements of defined benefit plans

(773)

146

10,3696,205

10,251

6,135

118

69

Comprehensive income
Comprehensive income attributable to
Owners of the parent
Non-controlling interests

(3) Consolidated Statements of Changes in Net Assets
For the six months ended September 30, 2017
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

57,36575,244

Total
shareholders’equityTreasurystock(2,097)

233,512

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

4,201

4,201

Profit attributable to ownersof the parent
Acquisition of treasury stock(4)

Disposal of treasury stock

(0)

(0)

305

300

Net changes in items otherthan shareholders’ equity

－

(4)

1,458

304

1,758

102,999

57,361

76,702(1,792)

235,270

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)
ondeferredhedges

7,793

(139)

RemeasureTotal
Stock
Nonments ofaccumulated subscription controllingdefinedotherrightsinterests
benefitcomprehensive
plansincome3,184

10,838105

4,760

Total net
assets249,217

Change of items during period(2,743)

Cash dividends
Profit attributable to ownersof the parent

4,201

Acquisition of treasury stock(0)

Disposal of treasury stock300

Net changes in items otherthan shareholders’ equity

6,864

(41)

(773)

6,049

(1)

(1,301)

4,746

Total changes during the period

6,864

(41)

(773)

6,049

(1)

(1,301)

6,504

Balance at the end of current period

14,657

(180)

2,411

16,888104

3,459

255,722

For the six months ended September 30, 2018
(Unit: Millions of yen)
Shareholders’ equity
Capitalstock
Balance at the beginning ofcurrent period

Capitalsurplus102,999

Retainedearnings

57,381

78,153

Total
shareholders’equityTreasurystock(1,476)

237,057

Change of items during period

1

Change in subsidiaries' equity
Cash dividends

1(2,743)(2,743)

2,981

2,981

Profit attributable to ownersof the parent
Acquisition of treasury stock(22)

Disposal of treasury stock

(4)

(4)

392

369

Net changes in items otherthan shareholders’ equity

－

(21)

237

388

604

102,999

57,36078,390(1,087)

237,661

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)
ondeferredhedges

6,981

(115)

RemeasureTotal
Stock
Nonments ofaccumulated subscription controllingdefinedotherrightsinterests
benefitcomprehensive
plansincome

1,355

8,222

122

3,533

Total net
assets248,935

Change of items during period

1

Change in subsidiaries' equity(2,743)

Cash dividends
Profit attributable to ownersof the parent

2,981

Acquisition of treasury stock(4)

Disposal of treasury stock369

Net changes in items otherthan shareholders’ equity

3,005

2

146

3,154

(62)

(1,552)

1,539

Total changes during the period

3,005

2

146

3,154

(62)

(1,552)

2,143

Balance at the end of current period

9,987

(113)

1,502

11,37659

1,980

251,078

【Contents】
Ⅰ

Second Quarter FY2018 Results (Summary of Financial Results)

1

Financial Results(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・

1(2) Senshu Ikeda Tokai Tokyo Securities

Non-consolidated

・・・・・・・・・

1(3) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・

2(1) Loans and Bills Discounted

Non-consolidated

・・・・・・・・・

4(2) Deposits

Non-consolidated

・・・・・・・・・

5(3) Assets under Management

Non-consolidated

・・・・・・・・・

5(4) Securities

Non-consolidated

・・・・・・・・・

6

3

Interest Margins

Non-consolidated

・・・・・・・・・

7

4Banking Profit

Non-consolidated

・・・・・・・・・

7

5

ROE
(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・

8(2) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・

8

6

Number of Directors and Employees, and Branches

Non-consolidated

・・・・・・・・・

8

7

Gains and Losses on Investment Securities

Non-consolidated

・・・・・・・・・

9

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

Consolidated

・・・・・・・・・

10(2) The Senshu Ikeda Bank(domestic standard)

Consolidated
Non-consolidated

・・・・・・・・・

10

2

Information on Main Accounts

Ⅱ

Overview of Loans and Bills Discounted

1

Risk Monitored Loans

Non-consolidated
Consolidated

・・・・・・・・・

11

2

Reserve for Possible Loan Losses

Non-consolidated
Consolidated

・・・・・・・・・

13

3

Reserve Ratios for Risk Monitored Loans

Non-consolidated
Consolidated

・・・・・・・・・

13

4

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated

・・・・・・・・・

14

5

Status of Coverage of Credits disclosed under the Financial
Revitalization Law

Non-consolidated

・・・・・・・・・

15

6

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

Non-consolidated

・・・・・・・・・

16(2) Risk Monitored Loans

Non-consolidated

・・・・・・・・・

17

7

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

Non-consolidated

・・・・・・・・・

18

Ⅲ

FY2018 Financial Forecasts(1) Senshu Ikeda Holdings

Consolidated
Non-consolidated

・・・・・・・・・

19(2) The Senshu Ikeda Bank

Non-consolidated

・・・・・・・・・

20(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 business rehabilitation subsidiaries are stated aswell.

Ⅰ Second Quarter FY2018 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

Consolidated gross profits
Net interest income
Net fees and commissions income
Net other operating 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 six months
ended Sep. 30, 2017(a)
17,101
23,275
6,461(12,635)
25,833(747)

For the six months
ended Sep. 30, 2018(b)
26,674
21,242
7,274(1,842)
24,239
1,487

－

－

－

955

3,266

2,311

－

－

－

(9)
74
604
1,331
168
14,555
15
493
7,079

27
29
540
1,481
186
2,665
14
702
4,329

36
(45)
(64)
150
18
(11,890)(1)
209(2,750)

1,674
8,754

(41)
4,287

(1,715)(4,467)

4,434
498
3,936

1,236
858
377

(3,198)360(3,559)Ordinary income
Net extraordinary income (losses)(b)-(a)9,573(2,033)813
10,793(1,594)
2,234

21
22
23

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

24
25

ProfitProfit attributable to non-controlling interests (-)

4,319
118

3,050
69

(1,269)(49)

26

Profit attributable to owners of the parent

4,201

2,981

(1,220)

4,319

3,050

(Millions of yen)
(1,269)

6,049

3,154

(2,895)

6,864

3,005

(3,859)

(41)
(773)

2
146

43
919

Consolidated Statement of Comprehensive Income
24
27
28
29
30

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

31 Comprehensive income
10,3696,205(4,164)(Note) Consolidated gross profit = (Interest income - Interest expenses)+(Fees and commissions - Fees and commissions payments)+(Other operating income - Other operating expenses)(2) Senshu Ikeda Tokai Tokyo Securities【Non-consolidated】(Millions of yen)

1
2
3
4
5

For the six months
ended Sep. 30, 2017
(a)
1,379
1,076
303
302
204

Net operating income
Administrative expenses (-)
Operating income
Income before income taxes
Net income

―

1

―

For the six months
ended Sep. 30, 2018
(b)
1,568
1,302
266
265
179

(b)-(a)
189
226
(37)
(37)
(25)

(3) 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

For the six months
ended Sep. 30, 2017(a)
14,301
27,325
24,6682,745(13,113)(13,024)
26,57823,808
2,783
(14)
(2)
(12,277)859(38)(13,098)(13,022)
23,33011,32910,491
1,509

For the six months
ended Sep. 30, 2018(b)
23,681
26,97822,4393,862(2,620)(3,296)
22,602
22,1983,814(3,410)(3,410)
1,079
240
48
790
114
21,356
9,886
10,0101,460(9,029)2,324

11,353

3,994(13,024)

5,621(3,296)

1,627
9,728

－

－

－

(9,029)2,324

11,353

15,484
(914)
256

1,457
1,093
2,460

(14,027)
2,007
2,204

－

－

－

(9)

27

36

(10)

(7)

3

182
1,137
168
14,553
14,563
－
9
16

157
1,415
186
2,663
2,664
0
－
(112)

(25)
278
18
(11,890)(11,899)
0
(9)
(128)

(b)-(a)9,380(347)(2,229)1,117
10,493
9,728(3,976)(1,610)1,031(3,396)(3,408)13,356(619)
86
13,88813,136(1,974)(1,443)
(481)
(49)

32
33
34
35
36
37
38
39

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

40
41

Ordinary income
Net extraordinary income (losses)

6,454
1,692

3,782
(27)

(2,672)(1,719)

42
43
44
45
46

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

8,147
3,799
(120)
3,919
4,348

3,754
134
(184)
319
3,620

(4,393)(3,665)(64)(3,600)(728)

47

Net credit costs (-) ①+②

(914)

1,093

2,007

21
22
23
24
25
26
27
28
29
30
31

―

2

―

(Reference) Structure of profits (For the six months ended Sep. 30, 2018)【Gross profit】［1］Gross profit

Interest income¥25.0 billion
Interest on loans and bills discounted, interest anddividends on securities, etc.

－

Interest expenses¥2.6 billion
Interest on deposits, interest on bonds, etc.

¥ 23.6 billion［3］Net interest income＝¥22.4 billion＋

Fees and commissions¥7.9 billion
Fees and commissions income of investment
trusts, bank transfer fee, ATMs.

－

Fees and commissions payments¥4.0 billion
Loan guarantee charge, the charge of a groupcredit life insurance, etc.

［4］Net fees and commissions income＝¥3.8 billion＋

Other operating income¥2.8 billion
Gains related to bonds, gains on foreign exchangetransactions, etc.

－

Other operating expenses¥5.4 billion
Losses related to bonds, etc.

［5］Net other operating income＝(¥2.6 billion)【Banking profit (before provision for general reserve for possible loan losses), Core banking profit, Banking profit 】⇒［21］Banking profit (before provision forgeneral reserve for possible loan losses)¥2.3 billion¥21.3 billion［17］Expenses

Personnel, non-personnel, taxes[1]－[17]［1］Gross profit¥23.6 billion⇒⇒［23］Net gains (losses) on debt
securities(¥3.2 billion)［22］Core banking profit¥5.6 billion［24］Provision for general reserve forpossible loan losses¥ - billion［25］Banking profit［1]－[17]－[23]¥2.3 billion[1]－[17]－[24]【Ordinary income】
Non-recurring income＋［25］Banking profit

Gains on sales of equity securities

Non-recurring expenses¥2.3 billion－¥4.7 billion＝¥3.2 billion［40］Ordinary income¥3.7 billion

Disposal of non-performing loans, losses related tostocks, severance payment【Net income】＋［40］Ordinary income¥3.7 billion－－［41］Net extraordinary income (losses)(¥0.0 billion)
Impairment of non-current assets, etc.

［44］Income taxes-current(¥0.1 billion)［45］Income taxes-deferred¥0.3 billion

―

3

―

［46］Net income¥3.6 billion

2. Information on Main Accounts
The Senshu Ikeda Bank【Non-consolidated】(1) Loans and Bills Discounted① Breakdown of loan balance(Millions of yen)
As of Mar.
31, 2017
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans

2,064,282
1,746,889
1,710,333
36,556
3,811,171
53,864As of Sep.
30, 2017(a)2,094,695
1,759,990
1,719,576
40,4133,854,685
52,090

As of Mar.
31, 2018(b)
2,131,506
1,776,527
1,731,354
45,172
3,908,034
42,376

As of Sep.
30, 2018(c)2,100,521
1,786,151
1,738,078
48,0733,886,673
32,758(c)-(a)5,826
26,161
18,502
7,660
31,988(19,332)(c)-(b)(30,985)
9,624
6,724
2,901
(21,361)(9,618)(scale of enterprise)
Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments
Japanese government
Individuals
Total

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

452,774
1,401,033
169,087
75,036
1,756,753
3,854,685

445,988
1,456,643
168,086
64,946
1,772,370
3,908,034

408,734
1,474,881
156,32265,027
1,781,707
3,886,673(44,040)
73,848(12,765)(10,009)
24,954
31,988(37,254)
18,238(11,764)
81
9,337(21,361)

Average Balance

3,732,105

3,790,457

3,816,475

3,862,533

72,07646,0582,076,488
1,746,889
1,710,333
36,556
3,823,377
53,864As of Sep.
30, 2017(a)2,106,528
1,759,990
1,719,576
40,4133,866,518
52,090

As of Mar.
31, 2018(b)
2,137,204
1,776,527
1,731,354
45,172
3,913,732
42,376

As of Sep.
30, 2018(c)2,104,520
1,786,151
1,738,078
48,0733,890,672
32,758(c)-(a)(2,008)26,161
18,502
7,660
24,154(19,332)(c)-(b)(32,684)
9,624
6,724
2,901
(23,060)(9,618)Large and mid-tier enterprises
Small and medium-sized enterprises
Local governments
Japanese government
Individuals
Total

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

452,774
1,412,631
169,087
75,036
1,756,989
3,866,518

445,988
1,462,254
168,086
64,946
1,772,457
3,913,732

408,734
1,478,880
156,32265,027
1,781,707
3,890,672(44,040)
66,249(12,765)(10,009)
24,71824,154(37,254)
16,626(11,764)
81
9,250(23,060)

Average Balance

3,748,696

3,802,449

3,827,172

3,867,209

64,76040,037

Including business rehabilitation subsidiaries(Millions of yen)
As of Mar.
31, 2017
Corporate loans
Consumer loans
Housing loans
Other loans
Total
Foreign currency loans(scale of enterprise)②

Loans to small and medium-sized enterprises (SMEs), etc.
(Millions of yen, %)As of Mar.
31, 2017

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

3,094,320
81.19

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

As of Mar.
31, 2018(b)
3,229,013
82.62

As of Sep.
30, 2018(c)
3,256,589
83.78

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

As of Mar.
31, 2018(b)
3,234,711
82.65

As of Sep.
30, 2018(c)
3,260,588
83.80(c)-(a)98,802
1.86(c)-(b)27,576
1.16

Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2017
Loans to SMEs, etc.
Ratio of loans to SMEs, etc.

3,106,525
81.25

―

4

―

(c)-(a)90,9681.83(c)-(b)25,877
1.15

(2) Deposits(Millions of yen)

Individual
Online branch

As of Mar.
31, 2017

As of Sep.
30, 2017

As of Mar.
31, 2018

As of Sep.
30, 2018

(a)

(b)

(c)

3,783,872

3,814,863

3,825,365

3,820,957

6,094(4,408)(c)-(a)(c)-(b)67,82760,87255,06947,890(12,982)(7,179)1,064,425

1,100,280

1,128,618

1,123,504

23,224(5,114)General corporation

979,458

992,7811,008,221

1,014,654

21,873

6,433

Financial institutions

15,612

5,847

5,868

6,086

239

218

Corporation

Governmental funds
Total
Foreign currency deposits
Average Balance

69,354

101,651

114,528

102,763

1,112(11,765)

4,848,297

4,915,144

4,953,983

4,944,462

29,318(9,521)

15,472

17,185

17,93615,111(2,074)(2,825)

4,787,905

4,865,066

4,881,023

4,919,855

54,78938,832(3) Assets under Management①

Investment products sales(Millions of yen)
For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2017 Mar.31, 2018
(a)

(b)

The Senshu Ikeda Bank

137,361

172,159

Investment trusts

85,02799,652Public bonds

766

Life insurance

For the six
For the six
months ended months ended
Sep. 30, 2017 Sep. 30, 2018(b)-(a)(c)(d)(d)-(c)34,79881,74482,720976

14,62545,453

43,624(1,829)

599

(167)

363

331

(32)

51,56871,906

20,33835,927

38,765

2,838

Senshu Ikeda Tokai Tokyo Securities

46,21168,01521,80427,921

23,914(4,007)

Total

183,572

240,175

56,603

109,666

106,635(3,031)②

Balance of assets under management (individual)(Millions of yen)
As of Mar.
31, 2017

Deposits

As of Sep.
30, 2017

As of Mar.
31, 2018

As of Sep.
30, 2018

(a)

(b)

(c)

(c)-(a)(c)-(b)3,783,872

3,814,863

3,825,365

3,820,957

6,094

Investment trusts

190,619

186,047

174,148

177,089(8,958)(4,408)2,941Life insurance

508,016

519,037

512,755

528,632

9,595

15,877

Public bonds

12,821

11,566

10,931

10,630

(936)

(301)

Senshu Ikeda Tokai Tokyo Securities

93,416105,685

104,940

110,014

4,329

5,074

Total

4,588,746

4,637,200

4,628,140

4,647,324

10,124

19,184(Reference) Balance of assets under management(Millions of yen)
As of Mar.
31, 2017

As of Sep.
30, 2017

As of Mar.
31, 2018

As of Sep.
30, 2018

(a)

(b)

(c)

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

215,356

209,081

195,442

197,936(11,145)2,494

Investment trusts

198,407

193,826

181,228

184,212(9,614)

2,984

Public bonds

16,94915,255

14,214

13,723(1,532)(491)

Senshu Ikeda Tokai Tokyo Securities

105,805

121,067

119,958

127,755

6,688

7,797

Total

321,162

330,149

315,401

325,692(4,457)

10,291―

5―

(4) Securities①

Breakdown of security balance(Millions of yen)
As of Mar.
31, 2017

As of Sep.
30, 2017
(a)

(b)

(c)

(c)-(a)954,214845,020

760,428754,380(90,640)(6,048)Government bonds

62,05087,134

72,135

71,132(16,002)(1,003)

Local government bonds

32,26942,60339,462

51,693

9,090

12,231

Corporate bonds

237,668

245,775

245,227

266,627

20,852

21,400

Authority bonds

184,463

185,373

180,272

193,700

8,327

13,428

Securities

As of Mar.
31, 2018

As of Sep.
30, 2018(c)-(b)Bank debenture bonds

7,419

－

－

－

－

－

General corporate bonds

45,78560,40264,95572,927

12,525

7,972

Stocks

94,34079,99973,56562,756(17,243)(10,809)

Other securities

527,885

389,506

330,037

302,170(87,336)(27,867)

Foreign securities

291,884

186,126

140,838

142,338(43,788)

1,500

Euroyen bonds

22,00013,00011,0009,000(4,000)(2,000)Dollar-dominated bonds

220,649

117,32085,89989,434(27,886)3,535Euro-dominated bonds

49,22955,80043,93343,897(11,903)

(36)

REIT

31,30432,93032,31334,711

1,781

2,398

Investment trusts

196,497

161,918

149,125

116,027(45,891)(33,098)

－

－

－

－

－

－

8,199

8,531

7,758

9,092

561

1,334

1,034,835

850,399

830,610776,305(74,094)(54,305)

Hedging investment trust
for cross-shareholdings etc.
Investment partnership
Average Balance②

Net unrealized gains (losses) on securities(Millions of yen)
As of Mar.
31, 2017

Held-to-maturity debt securities
Available-for-sale securities

As of Sep.
30, 2017

As of Mar.
31, 2018

As of Sep.
30, 2018

(a)

(b)

(c)

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

271

124

68

34

(90)

(34)

14,827

18,382

10,643

13,041(5,341)

2,398

Stocks

36,06024,301

22,396

21,781(2,520)

(615)

Bonds

743

703

325

108

(595)

(217)

Government bonds

38

136

145

158

22

13

Local government bonds

140

65

55

24

(41)

(31)

Corporate bonds

564

502

124

(74)

(576)

(198)

(21,977)(6,622)(12,079)(8,849)(2,227)3,230(16,226)(2,494)(3,424)(3,674)(1,180)(250)

Other securities
Foreign securities

－

－

－

－

－

－

Dollar-dominated bonds(13,174)(759)(2,630)(2,840)(2,081)(210)Euro-dominated bonds

Euroyen bonds(3,052)(1,734)

(793)

(833)

901

(40)

REIT

2,886

1,772

869

1,919

147

1,050

Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership(8,632)(5,892)(9,526)(7,096)(1,204)

2,430

－

－

－

－

－

－

(4)

(8)

1

1

9

0

―

6

―

3. Interest Margins
The Senshu Ikeda Bank【Non-consolidated】① All business(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2017 Sep. 30, 2017 Mar. 31, 2018 Sep. 30, 2018
(a)
(b)
(c)

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

1.18

1.16

1.12

1.07

(0.09)(0.05)

1.14

1.08

1.08

1.05

(0.03)(0.03)

1.35

1.54

1.33

1.16

(0.38)(0.17)

1.02

0.99

0.98

0.90

(0.09)(0.08)

1.03

1.00

0.99

0.89

(0.11)(0.10)

0.06

0.05

0.05

0.03

(0.02)(0.02)

0.96

0.95

0.94

0.86

(0.09)(0.08)

Average yield on external liabilities

0.35

0.26

0.23

0.21

(0.05)(0.02)

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

0.16

0.17

0.14

0.17

0.00

0.03

0.11

0.08

0.09

0.16

0.08

0.07

② Domestic business(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2017 Sep. 30, 2017 Mar. 31, 2018 Sep. 30, 2018
(a)
(b)
(c)

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

1.13

1.12

1.08

1.02

(0.10)(0.06)

1.13

1.07

1.07

1.03

(0.04)(0.04)

1.23

1.52

1.23

1.03

(0.49)(0.20)

0.97

0.94

0.92

0.83

(0.11)(0.09)

0.98

0.96

0.95

0.85

(0.11)(0.10)

0.06

0.05

0.05

0.03

(0.02)(0.02)

0.91

0.91

0.90

0.82

(0.09)(0.08)

Average yield on external liabilities

0.17

0.07

0.03

(0.01)(0.08)(0.04)

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

0.16

0.18

0.16

0.19

0.01

0.03

0.15

0.11

0.12

0.18

0.07

0.06

4. Banking Profit
The Senshu Ikeda Bank【Non-consolidated】
For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2017 Mar. 31, 2018(a)(b)(b)-(a)(Millions of yen)
For the six
For the six
months ended months ended
Sep. 30, 2017 Sep. 30, 2018(c)(d)(d)-(c)(1) Banking profit (before provision forgeneral reserve for possible loan losses)
Per head(thousands of yen )14,421(8,399)(22,820)(9,029)5,686(3,213)(8,899)(2) Core banking profit

9,109

5,321

(3,788)Per head(thousands of yen )(3) Banking profit
Per head(thousands of yen )2,324

11,353(3,406)

880

4,286

3,994

5,621

1,627

3,592

2,035

(1,557)

1,506

2,129

623

12,313(8,399)(20,712)(9,029)2,324

11,353

4,855(3,213)(8,068)(3,406)

880

4,286

―

7

―

5. ROE(1) Senshu Ikeda Holdings【Consolidated】(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2017 Sep. 30, 2017 Mar. 31, 2018 Sep. 30, 2018(a)Shareholders’ equity ROE(Income before income taxes basis)
Shareholders’ equity ROE(Profit attributable to owners of the parent basis)

(b)

(c)

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

8.86

7.44

6.75

3.60

(3.84)(3.15)

5.31

3.57

3.56

2.50

(1.07)(1.06)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2017 Sep. 30, 2017 Mar. 31, 2018 Sep. 30, 2018(a)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent basis)

(b)

(c)

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

8.24

7.03

6.49

3.45

(3.58)(3.04)

4.94

3.37

3.42

2.40

(0.97)(1.02)(2) The Senshu Ikeda Bank【Non-consolidated】(%)
For the fiscal For the six For the fiscal For the six
year ended months ended year ended months ended
Mar. 31, 2017 Sep. 30, 2017 Mar. 31, 2018 Sep. 30, 2018
(a)
(b)
(c)
Banking profit (before provision forgeneral reserve for possible loan losses)
basis
Banking profit basis(c)-(a)(c)-(b)6.27(7.84)(3.71)

2.02

9.86

5.73

5.35

(7.84)(3.71)

2.02

9.86

5.73

Core banking profit basis

3.96

3.47

2.35

4.90

1.43

2.55

Net income basis

4.57

3.77

3.49

3.15

(0.62)(0.34)

As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018
(c)

31

35

35

31

(4)

(4)

Employees

2,454

2,606

2,517

2,566

(40)

49

Total

2,485

2,641

2,552

2,597

(44)

45

6. Number of Directors and Employees, and Branches
The Senshu Ikeda Bank【Non-consolidated】① Employees and Officers(Number of people)

Directors and auditors(c)-(a)(c)-(b)Note: “Directors and auditors” includes executive officers“Employees” excludes employees temporarily seconded to other companies and temporary staff.
② Branches(Number of branches)

Branches
Sub-branches

As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018
(c)

136

136

136

136

－

－

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

5

5

5

6

1

1

Total

141

141

141

142

1

1

(Reference) ATMs

228

231

229

224

(7)

(5)

―

8

―

7. Gains and Losses on Investment Securities
The Senshu Ikeda Bank【Non-consolidated】
For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2017 Mar. 31, 2018(a)(b)
Gains (losses) on debt securities
Gain on sales(Millions of yen)
For the six
For the six
months ended months ended
Sep. 30, 2017 Sep. 30, 2018(c)(d)(d)-(c)(b)-(a)5,312(13,721)(19,033)(13,024)(3,296)

9,728

9,191

3,511

(5,680)

850

2,140

1,290

－

－

－

－

－

－

3,879

17,16913,29013,875

5,437(8,438)Loss on redemption (-)

－

－

－

－

－

－

Loss on write-down (-)

－

－

－

－

－

－

Loss by investment partnership (-)

－

63

63

－

－

－

Gain on redemption
Loss on sales (-)

For the fiscal For the fiscal
year ended
year ended
Mar. 31, 2017 Mar. 31, 2018(a)(b)
Gains (losses) on equity securities(Millions of yen)
For the six
For the six
months ended months ended
Sep. 30, 2017 Sep. 30, 2018(c)(d)(d)-(c)(b)-(a)5,102

18,403

13,301

14,553

2,663(11,890)

Gain on sales

5,131

18,44913,31814,563

2,664(11,899)

Loss on sales (-)

20

36

16

－

0

0

Loss on write-down (-)

8

9

1

9

－

(9)

―

9

―

8. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar.
31, 2017
Total capital ratio (%)
Total capital(A)-(B)

10.59
261,985

As of Sep.
30, 2017(a)
10.34
257,560

Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
capital raising instruments
Deduction (B)Risk weighted assets (C)273,397

267,633

263,121

254,774(12,859)(8,347)

215,696

217,491

219,278

219,913

2,422

635

9,960

9,241

5,010

6,876

(2,365)

1,866

15,00015,00015,00015,000－－29,29022,76020,96010,000(12,760)(10,960)

11,412
2,473,114

10,0732,489,233

12,5092,192,207

12,662
2,248,945

2,589(240,288)

153
56,73898,92499,56987,68889,957(9,612)

2,269

Required capital (C ×4%)

As of Mar.
31, 2018(b)
11.43
250,612

As of Sep.
30, 2018(c)
10.76
242,112(c)-(a)0.42(15,448)(c)-(b)(0.67)(8,500)(2) The Senshu Ikeda Bank (domestic standard)① Consolidated(Millions of yen)
As of Mar.
31, 2017
Total capital ratio (%)
Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
capital raising instruments
Deduction (B)Risk weighted assets (C)Required capital (C ×4%)

10.48
259,054

As of Sep.
30, 2017(a)
10.22
254,053

As of Mar.
31, 2018(b)
11.25
246,363

As of Sep.
30, 2018(c)
10.55
237,285(c)-(a)0.33(16,768)(c)-(b)(0.70)(9,078)270,115

263,881258,712249,891(13,990)(8,821)

228,852

230,270

231,562

231,732

1,462

170

9,960

9,241

5,010

6,876

(2,365)

1,866

－

－

－

－

－

－

29,29022,76020,96010,000(12,760)(10,960)

11,0609,827

12,34812,6062,779

258

2,470,055
98,8022,483,451
99,3382,188,720
87,5482,248,320
89,932(235,131)(9,406)59,6002,384② Non-consolidated(Millions of yen)
As of Mar.
31, 2017
Total capital ratio (%)
Total capital(A)-(B)Core capital (A)Common stock,internal reserves, etc.
Reserve
Qualified previous
noncumulative perpetual
preferred stock
Qualified previous
capital raising instruments
Deduction (B)Risk weighted assets (C)Required capital (C ×4%)

9.77

As of Sep.
30, 2017(a)9.60

As of Mar.
31, 2018(b)
10.54

As of Sep.
30, 2018(c)9.94(c)-(a)0.34(c)-(b)(0.60)

236,411245,771

232,249
240,562

229,105
239,265

221,434
232,047(10,815)(8,515)(7,671)(7,218)215,213

216,761

217,520

218,339

1,578

819

3,557

2,300

1,745

3,707

1,407

1,962

－

－

－

－

－

－

27,00021,50020,00010,000(11,500)(10,000)

9,359

8,312

10,15910,6132,301

454

2,418,518
96,7402,418,997
96,7592,173,444
86,9372,225,973
89,038(193,024)(7,721)52,529
2,101

―

10

―

Ⅱ Overview of Loans and Bills Discounted
1. Risk Monitored Loans
The Senshu Ikeda Bank
① Non-consolidated(Millions of yen)
As of Mar.
31, 2017
Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total

916
31,457－
10,49542,868

As of Sep.
30, 2017(a)
1,558
28,241－
8,134
37,934As of Mar.
31, 2018(b)
687
26,644－
6,966
34,298

As of Sep.
30, 2018(c)
638
27,882
48
4,765
33,335(c)-(a)
(920)
(359)
48
(3,369)(4,599)(c)-(b)
(49)
1,238
48
(2,201)
(963)

9,922
20,953

10,781
20,111

10,74718,048

10,49820,236

(283)
125

(249)
2,188

As of Mar.
31, 2017

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

As of Mar.
31, 2018(b)
3,908,034

As of Sep.
30, 2018(c)
3,886,673

0.02
0.82

As of Sep.
30, 2017
(a)
0.04
0.73

As of Mar.
31, 2018
(b)
0.01
0.68

As of Sep.
30, 2018
(c)
0.01
0.71

(c)-(a)(0.03)(0.02)(c)-(b)
0.00
0.03

－

－

－

0.00

0.00

0.00

0.27
1.12

0.21
0.98

0.17
0.87

0.12
0.85

(0.09)(0.13)(0.05)(0.02)

As of Mar.
31, 2017
916
42,314－
10,75553,985

As of Sep.
30, 2017(a)
1,558
38,795－
8,384
48,738

As of Mar.
31, 2018(b)
687
31,972－
7,209
39,869As of Sep.
30, 2018(c)
638
31,64548
5,001
37,334(c)-(a)(920)(7,150)48(3,383)(11,404)(c)-(b)
(49)
(327)
48
(2,208)(2,535)

9,922
25,251

10,781
24,42910,747
18,101

10,49820,272(283)(4,157)

(249)
2,171

As of Mar.
31, 2017

As of Sep.
30, 2017(a)
3,866,518

As of Mar.
31, 2018(b)
3,913,732

As of Sep.
30, 2018(c)
3,890,672

0.02
1.10

As of Sep.
30, 2017
(a)
0.04
1.00

As of Mar.
31, 2018
(b)
0.01
0.81

As of Sep.
30, 2018
(c)
0.01
0.81

(c)-(a)(0.03)(0.19)(c)-(b)
0.00
0.00

－

－

－

0.00

0.00

0.00

0.28
1.41

0.21
1.26

0.18
1.01

0.12
0.95

(0.09)(0.31)(0.06)(0.06)(Note) Amount of partial direct write-off
Loans to bankrupt borrowers
Delinquent loans(Millions of yen)

Loans and bills discounted

3,811,171(c)-(a)31,988(c)-(b)(21,361)(%)

As of Mar.
31, 2017
Loans to bankrupt borrowers

Ratio oftotal loans
and bills
discounted

Delinquent loans
Loans past due
three months or more
Restructured loans
Total(Reference)
Including business rehabilitation subsidiaries(Millions of yen)

Loans to bankrupt borrowers
Delinquent loans
Loans past due three months or more
Restructured loans
Total(Note) Amount of partial direct write-off
Loans to bankrupt borrowers
Delinquent loans(Millions of yen)

Loans and bills discounted

3,823,377(c)-(a)24,154(c)-(b)(23,060)(%)

As of Mar.
31, 2017
Loans to bankrupt borrowers

Ratio oftotal loans
and bills
discounted

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

―

11

―

② Consolidated(Millions of yen)
As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)(c)-(a)(c)-(b)Loans to bankrupt borrowers

1,621

2,112

1,380

1,418

(694)

38

Delinquent loans

43,09939,59032,71532,454(7,136)(261)

Loans past due three months or more
Restructured loans
Total

－

－

－

48

48

48

10,755

8,384

7,209

5,001

(3,383)(2,208)55,47650,08741,30638,923(11,164)(2,383)

10,73726,313

11,64425,512

11,591
19,53911,43921,402(205)(4,110)

(152)
1,863

As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)

3,813,333

3,850,533

3,897,405

3,874,265

As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)(Note) Amount of partial direct written-off
Loans to bankrupt borrowers
Delinquent loans(Millions of yen)

Loans and bills discounted(c)-(a)23,732(c)-(b)(23,140)(%)

Ratio oftotal loans
and bills
discounted(c)-(a)(c)-(b)Loans to bankrupt borrowers

0.04

0.05

0.03

0.03

(0.02)

0.00

Delinquent loans
Loans past due
three months or more

1.13

1.02

0.83

0.83

(0.19)

0.00

－

－

－

0.00

0.00

0.00

Restructured loans

0.28

0.21

0.18

0.12

(0.09)(0.06)

1.45

1.30

1.05

1.00

(0.30)(0.05)

Total(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” 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 of principal/interest,etc.) or loans which are not classified in any of the above categories.

―

12

―

2. Reserve for Possible Loan Losses
The Senshu Ikeda Bank
① Non-consolidated(Millions of yen)
As of Mar.
31, 2017
Reserve for possible loan losses
General reserve for possible
loan losses
Specific reserve for possible
loan losses

12,188

As of Sep.
30, 2017(a)
10,281

As of Mar.
31, 2018(b)
9,308

As of Sep.
30, 2018(c)7,804(c)-(a)(2,477)(c)-(b)(1,504)

7,562

7,231

6,420

3,624

(3,607)(2,796)

4,625

3,049

2,888

4,179

1,130

1,291

As of Mar.
31, 2017
17,993As of Sep.
30, 2017(a)
15,923As of Mar.
31, 2018(b)
11,449As of Sep.
30, 2018(c)9,655(c)-(a)(6,268)(c)-(b)(1,794)

7,654

7,305

6,463

3,663

(3,642)(2,800)10,338

8,617

4,985

5,991

(2,626)

1,006(Reference)
Including business rehabilitation subsidiaries(Millions of yen)

Reserve for possible loan losses
General reserve for possible
loan losses
Specific reserve for possible
loan losses② Consolidated(Millions of yen)
As of Mar.
31, 2017
Reserve for possible loan losses
General reserve for possible
loan losses
Specific reserve for possible
loan losses

21,883As of Sep.
30, 2017(a)
19,650

As of Mar.
31, 2018(b)
14,873As of Sep.
30, 2018(c)
13,082(c)-(a)(6,568)(c)-(b)(1,791)

10,525

9,960

8,933

5,930

(4,030)(3,003)

11,358

9,689

5,940

7,151

(2,538)

1,211

As of Sep.
30, 2017(a)27.10

As of Mar.
31, 2018(b)
27.13

As of Sep.
30, 2018(c)
23.41

As of Sep.
30, 2017(a)32.67

As of Mar.
31, 2018(b)
28.71

As of Sep.
30, 2018(c)
25.86

As of Sep.
30, 2017(a)39.23

As of Mar.
31, 2018(b)
36.00

As of Sep.
30, 2018(c)
33.61

3. Reserve Ratios for Risk Monitored Loans
The Senshu Ikeda Bank
① Non-Consolidated(%)
As of Mar.
31, 2017
Reserve ratios

28.43(c)-(a)(3.69)(c)-(b)(3.72)(Reference)
Including business rehabilitation subsidiaries(%)
As of Mar.
31, 2017
Reserve ratios

33.32(c)-(a)(6.81)(c)-(b)(2.85)② Consolidated(%)
As of Mar.
31, 2017
Reserve ratios

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

―

13

―

(c)-(a)(5.62)(c)-(b)(2.39)

4. Status of Credits Disclosed under the Financial Revitalization Law
The Senshu Ikeda Bank【Non-consolidated】(Millions of yen, %)As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)

Bankruptcy and quasi-bankrupt credit

3,016

3,803

2,755

4,296

493

Doubtful credit

29,54026,103

24,66324,317(1,786)(346)

Substandard credit

10,495

8,134

6,966

4,813

(3,321)(2,153)(c)-(a)(c)-(b)
1,541

Subtotal (A)43,052

38,041

34,38433,427(4,614)(957)

Normal credit

3,787,777

3,834,516

3,891,198

3,872,810

38,294(18,388)

Total (B)

3,830,830

3,872,558

3,925,583

3,906,238

33,680(19,345)

1.12

0.98

0.87

0.85

(0.13)(0.02)

31,11031,09029,01330,888

(202)

1,875

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)(c)-(a)(c)-(b)Bankruptcy and quasi-bankrupt credit

3,469

4,218

2,926

4,296

78

1,370

Doubtful credit

39,94436,24229,81928,080(8,162)(1,739)Substandard credit

10,755

8,384

7,209

5,050

(3,334)(2,159)Subtotal (A)54,17048,84539,95637,426(11,419)(2,530)Normal credit

3,788,865

3,835,546

3,891,325

3,872,810

37,264(18,515)

Total(B)

3,843,035

3,884,391

3,931,281

3,910,237

25,846(21,044)

1.40

1.25

1.01

0.95

(0.30)(0.06)

35,40835,40929,06530,925(4,484)

1,860

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.

―

14

―

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, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)

38,04032,52729,35329,162(3,365)Collateral and guarantees

30,08027,00724,034

24,179(2,828)145

Reserve for possible loan losses

7,959

5,519

5,319

4,983

(536)

(336)

88.35

85.50

85.36

87.24

1.74

1.88

Coverage amount (C)Coverage ratio(C)/(A)(c)-(a)(c)-(b)(191)

Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2018)(Millions of yen, %)Coverage amountCredit amountCollateral andguarantees

Reserve forpossible loan
lossesCoverage ratio

Bankruptcy and quasi-bankrupt credit

4,296

4,296

3,939

356

100.00

Doubtful credit

24,317

21,393

17,830

3,563

87.97

Substandard credit

4,813

3,472

2,409

1,063

72.12

33,427

29,162

24,179

4,983

87.24

Total
(Reference)
Including business rehabilitation subsidiaries(Millions of yen, %)As of Mar.
31, 2017
Coverage amount (C)As of Sep.
30, 2017

As of Mar.
31, 2018

As of Sep.
30, 2018

(a)

(b)

(c)

(c)-(a)(c)-(b)47,87842,09933,74232,335(9,764)(1,407)

Collateral and guarantees

34,17830,952

26,28425,500(5,452)(784)

Reserve for possible loan losses

13,70011,147

7,458

6,834

(4,313)

(624)

88.38

86.18

84.44

86.39

0.21

1.95

Coverage Ratio (C)/(A)Status of Coverage of Credits of Borrowers Classification (As of Sep. 30, 2018)(Millions of yen, %)Coverage amountCredit amountCollateral andguarantees

Reserve forpossible loan
lossesCoverage ratio

Bankruptcy and quasi-bankrupt credit

4,296

4,296

3,939

356

100.00

Doubtful credit

28,08024,47319,098

5,375

87.15

Substandard credit

5,050

3,565

2,462

1,102

70.59

37,42632,33525,500

6,834

86.39

Total

―

15

―

6. Classification of Loans by Industry
The Senshu Ikeda Bank【Non-consolidated】(1) Loan and Bills Discounted(Millions of yen)
As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)

3,811,171

3,854,685

3,908,034

3,886,673

31,988(21,361)

342,635

342,621332,527

319,784(22,837)(12,743)

Agriculture and forestry

760

599

625

729

130

104

Fishery

42

56

40

56

0

16

304

285

216

369

84

153

91,274

94,592

98,15399,237

4,645

1,084

16,22815,931

17,09817,9782,047

880

Domestic(excluding JOM account)
Manufacturing

Mining, quarrying and gravel
extraction
Construction
Electricity, gas, heat and watersupply(c)-(a)(c)-(b)Information and communication

13,356

13,397

13,24813,375(22)

127

Transportation and postal activities

106,691

105,325

107,564

107,403

2,078

(161)

Wholesale and retail trade268,656

277,429

291,867

286,926

9,497(4,941)

Finance and insurance activities

174,496

177,717

172,923

159,429(18,288)(13,494)

Real estate and rental activities

570,921595,168

628,298

630,539

35,371

2,241

13,114

12,71015,635

14,322

1,612(1,313)

26,79329,02830,86531,216

2,188351

15,21915,63015,72814,999

(631)

(729)

9,917

9,644

9,695

8,787

(857)

(908)

68,985

74,136

76,66384,86010,724

8,197

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

83,66685,67887,60389,025

3,347

1,422

Local governments

186,091

169,087

168,086

156,322(12,765)(11,764)

1,822,015

1,835,643

1,841,189

1,851,304

15,661

10,115

Others―16―

(2) Risk Monitored Loans(Millions of yen)
As of Mar.
31, 2017

As of Sep.
30, 2017(a)

As of Mar.
31, 2018(b)

As of Sep.
30, 2018(c)

42,86837,93434,29833,335(4,599)

(963)

7,862

7,796

5,270

4,507

(3,289)

(763)

438

435

435

432

(3)

(3)

Fishery

－

－

－

－

－

－

Mining, quarrying and gravel
extraction
Construction

－

－

－

－

－

－

4,547

4,316

4,065

4,229

(87)

164

Electricity, gas, heat and watersupply

150

150

166

170

20

4

Information and communication

324

278

130

93

(185)

(37)

Domestic(excluding JOM account)
Manufacturing
Agriculture and forestry

Transportation and postal activities
Wholesale and retail trade(c)-(a)(c)-(b)

362

489

410

329

(160)

(81)

5,116

5,492

5,100

5,180

(312)

80

Finance and insurance activities

636

649

613

83

(566)

(530)

Real estate and rental activities

12,506

8,116

8,451

9,372

1,256

921

294

160

570

560

400

(10)

728

518

569

602

84

33

339

326

178

182

(144)

4

21

21

20

－

(21)

(20)

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

862

871

463

456

(415)

(7)

1,588

1,550

1,749

1,596

46

(153)

－

－

－

－

－

－

7,087

6,758

6,102

5,536

(1,222)

(566)

―

17

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7. Self-assessment, Credits Disclosed under the Financial Revitalization Law and Risk Monitored Loans
The Senshu Ikeda Bank【Non-consolidated】(As of Sep. 30, 2018)(Billions of yen, %)Claims disclosed under the Financial
Revitalization Law (Credit exposures)
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
ⅡⅢ
Ⅳ
Bankrupt

0.2

0.4

0.6
Effectively
bankrupt

2.3

1.3

14.0

Watch
list

(0.0)

(－)

－

－

(0.2)

(0.0)

2.9

Doubtful

(3.5)

24.3

2.4
0.0

Total

3.5

1.0

Classification

Outstandingbalance ofloans

Loans tobankrupt
borrowers

0.6

Delinquent
loans

27.8

100.00

87.97

72.12

4.8
4.8

Loans past due
three months or
more
Restructured
loans

0.0
4.7

Subtotal
24.1

4.9

87.24

Total

33.3

33.4
43.0

58.7
NormalNormal3,906.2

0.3

Coverageratio

Substandard

101.7

3,770.9

3.9

17.8

4.8
Other
borrowers
requiring
cautionBankruptcy
andquasibankrupt

7.3

24.3
Requiring
specialcaution－Reserve

4.2

3.6
Potentiallybankrupt－

Classification
Secured or
Outstanding
guaranteedloans

Risk monitored loans

3,872.8
3,770.9

3,830.7

72.6

2.9

－

Total

(3.8)

(0.0)

3,906.2

Ratio of NPLs (subtotal) pursuant
to the disclosure standards ofthe Financial Revitalization Law
to total credit: 0.85%

Ratio of risk managed loans tototal loans: 0.85%

Loans and bills
discounted

3,886.6(Notes) 1. Japanese yen amounts are rounded down to the nearest 100 million 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.

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18

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Ⅲ FY2018 Financial Forecasts(1) Senshu Ikeda Holdings① Financial forecasts【Consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31,
2018(Result)

For the fiscal year
ending Mar. 31,
2019(Forecast)Ordinary revenue

111,61290,000Ordinary income
Profit attributable to owners of theparent14,206

7,500

8,395

6,000

【Non-consolidated】(Millions of yen)
For the fiscal year
ended Mar. 31,
2018(Result)

For the fiscal year
ending Mar. 31,
2019(Forecast)

Operating revenue

6,383

6,400

Operating income

5,591

5,600

Ordinary income

5,628

5,600

Net income

5,594

5,600

② Cash dividends(Yen)
For the fiscal year
ended Mar. 31,
2018(Result)

For the six months
For the fiscal year
For the fiscal year
ended Sep. 30, 2018 ending Mar. 31, 2019 ending Mar. 31, 2019
(Forecast)(Projection)(Forecast)
7.50
7.50
15.00

Common stock

15.00

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

70.00

35.00

35.00

70.00

30.00

15.00

15.00

30.00

③ Capital ratio(%)
As of Mar. 31, 2018 As of Sep. 30, 2018 As of Mar. 31, 2019
(Result)(Preliminary figures)(Forecast)
Capital ratio (Consolidated)

11.43

10.76

Half of 9④ ROE
For the fiscal year
ended Mar. 31,
2018(Result)(%)
For the six months
For the fiscal year
ended Sep. 30, 2018 ending Mar. 31, 2019
(Result)(Forecast)

Shareholders’ equity ROE
6.75
3.60
First half of 3
(Income before income taxes basis)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.

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19

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(2) The Senshu Ikeda Bank
① Financial forecasts【Non-consolidated】(Millions of yen)
For the fiscal
year ending
Mar. 31, 2019
(Forecast)

For the fiscal
year ended
Mar. 31, 2018
(Result)
Ordinary revenue

95,44475,000Ordinary income

12,1975,500

Net income

7,906

5,500

Banking profit(8,399)4,000

Banking profit (before reversal of(provision for) general reserve forpossible loan losses)(8,399)4,000

Core banking profit

5,321

8,000

Net credit costs ( - )(1,711)

1,500② Capital ratio(%)
As of Mar. 31, 2018 As of Sep. 30, 2018 As of Mar. 31, 2019
(Result)(Preliminary figures)(Forecast)
Capital ratio (Consolidated)

11.25

10.55

Half of 9

Capital ratio (Non-consolidated)

10.54

9.94

Half of 8―20―