Financial Results for the Third Quarter of the Fiscal Year ended March 31, 2017
(Consolidated Data)
January 30, 2017
Company Name: Senshu Ikeda Holdings, Inc.

Stock exchange listing: Tokyo Stock Exchange

Stock Code:

URL

8714

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

President and Representative Director:

Hirohisa Fujita

For inquiries:

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

Scheduled date for filing quarterly securities report:
Scheduled date to commence dividend payments:
Segregated trading accounts:
Supplementary material on quarterly financial results:
Quarterly financial results presentation meeting:Feburuary 13, 2017
None
None
Yes
None

(Japanese yen amounts of less than 1 million and first decimal place have been rounded down)

1. Financial Results for the Third Quarter of the Fiscal Year ending March 31, 2017(April 1, 2016
2016)(1) Consolidated Operating Results

December 31,(%: Changes from previous fiscal year)

Ordinary revenue
Million yen

Profit attributable toowners of the parent

Ordinary income%

Million yen%

Million yen%

Nine months ended
December 31, 2016

76,433(5.8)

12,806(18.1)

9,126(30.1)

Nine months ended
December 31, 2015

81,223

1.2

15,653

4.1

13,0584.3(Note) Comprehensive income:Nine months ended December 31, 2016
Nine months ended December 31, 2015
Net income
per share

Diluted earnings
per share

Yen

Yen

Nine months ended
December 31, 2016

30.76

26.86

Nine months ended
December 31, 2015

45.05

38.87

195 million yen
7,956 million yen[ (97.5%) ][ (74.4%) ](2) Consolidated Financial Position
Total assets
As of December 31, 2016
As of March 31, 2016

Million yen
5,584,795
5,406,626

Total net assets
Million yen
248,159
258,005

Equity ratio
%
4.3
4.6

(Reference) capital: As of December 31, 2016 : 243,389 million yen ; As of March 31, 2016 : 249,740 million 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 ended
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: None

Note
(1)

Changes in significant subsidiaries during the third 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(a) Changes in accounting policies due to revision of accounting standards etc. :(b) Changes in accounting policies other than those noted in (a) above :(c) Changes in accounting estimates :(d) Retrospective restatements :

(3)

None
None
None
None

Number of shares (common stock)(a) Number of shares in issue (including treasury stock)
As of December 31, 2016
As of March 31, 2016

281,008,632shares
281,008,632shares(b) Number of treasury shares
As of December 31, 2016
As of March 31, 2016

4,546,133shares
5,616,987shares(c) Average number of shares for the period under review
Nine months ended December 31, 2016
Nine months ended December 31, 2015

275,895,513 shares
275,985,138 shares

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

As of December 31, 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

676,665
3,693
86
223
27,302
958,489
3,778,681
4,554
72,90437,711
5,321
12,796
14,56013,177(21,375)
5,584,795

4,730,075
3,800

4,806,746

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

8,154
10,300259,958
153,393243
40,00041,917
930
665
33
492
235
335
0
52
13,177
5,336,636

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
57,36572,161(2,167)230,357
11,405(168)
1,794
13,031
94
4,676
248,1595,584,795

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

Ordinary revenue
Interest income
Interest on loans and bills discounted
Interest and dividends on securities
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary income
Extraordinary 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

For the Nine months
ended December 31, 2015

For the Nine months
ended December 31, 2016

81,22344,73534,3739,850
15,2406,386
14,86065,569
5,932
3,546
4,243
8,198
37,435
9,759
15,653299
80
218
015,353
562
1,619
2,181
13,172
113
13,05876,433
42,48032,082
10,065
13,886
11,027
9,038
63,626
5,436
2,512
4,694
5,519
39,0298,945
12,806254
160
93
0
12,552
1,536
314
1,851
10,701
1,574
9,126

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 Nine months
ended December 31, 2015

For the Nine months
ended December 31, 2016

13,172(5,215)(4,474)
(167)
(574)
7,956

10,701(10,506)(10,349)
(24)
(132)
195

7,843
113

(1,378)
1,573

Senshu Ikeda Holdings,Inc.

Senshu Ikeda Holdings,Inc.

【 Contents】
1

Summary of Profit and Loss
(1) Senshu Ikeda Holdings

Consolidated

・・・・・・・・・・

1(2) The Senshu Ikeda Bank

Non-consolidated ・ ・ ・ ・ ・ ・ ・ ・ ・ ・1(3) Senshu Ikeda Tokai Tokyo Securities

Non-consolidated ・ ・ ・ ・ ・ ・ ・ ・ ・ ・

2・・・・・・・・・・

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 ・ ・ ・ ・ ・ ・ ・ ・ ・ ・

5(4) ROE
2

3

4

Information on Main Accounts

Capital ratio
・・・・・・・・ 6(1) Senshu Ikeda Holdings (domestic standard)

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

Consolidated
・・・・・・・・ 6
Non-consolidated

Status of Credits disclosed under the Financial Revitalization Law

Non-consolidated ・・・・・・・・ 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 and status of claims under the Financial Revitalization Law, the total amountsof The Senshu Ikeda Bank and two business rehabilitation subsidiaries are stated as well.

Senshu Ikeda Holdings,Inc.
1. Summary of Profit and Loss
Consolidated ordinary income of Senshu Ikeda Holdings decreased by ¥2,847 million year-on-year to ¥12,806
million, and profit attributable to owners of the parent decreased by ¥3,932 million year-on-year to ¥9,126 million.
Non-consolidated core gross profit of The Senshu Ikeda Bank decreased by ¥5,357 million year-on-year to ¥41,599
million.
Core banking profit decreased by ¥6,188 million year-on-year to ¥6,877 million. This was due to increase in
expenses (excluding non-recurring expenses) by ¥830 million year-on-year to ¥34,721 million.
Ordinary income decreased by ¥3,827 million year-on-year to ¥9,623 million, and net income decreased by ¥3,652
million year-on-year to ¥8,200 million.
(1) Senshu Ikeda Holdings 【 Consolidated】(Millions of yen)
For the nine months
ended Dec. 31,2015(a)

For the nine months
ended Dec. 31,2016(b)(b)-(a)1

Ordinary revenue

81,22376,433(4,790)2

Ordinary expenses (-)

65,56963,626(1,943)

3

Ordinary income

15,65312,806(2,847)

4

Income before income taxes

15,353

12,552(2,801)

5

Profit attributable to owners of the parent

13,0589,126(3,932)6Comprehensive income

7,956

195

(7,761)

7

Net credit costs (-)

1,729

2,167

438

For the nine months
ended Dec. 31,2015(a)

For the nine months
ended Dec. 31,2016(b)

42,332
46,95645,51941,5993,187(5,357)

39,24236,877(2,365)(2) The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)12
3Gross profit(Core gross profit)
Net interest income(b)-(a)4

Net fees and commissions income

5,328

3,696

(1,632)

5
6

Net other operation income(Net gains (losses) on debt securities)(2,238)(4,624)

4,945
3,920

7,183
8,544

7

Expenses(excluding non-recurring expenses)(-)

33,891

34,721830

17,018

16,949(69)

14,89715,452555

8,441

10,7972,356

13,065

6,877(6,188)

8
9
10
11
12

Personnel expenses (-)
Non-personnel expenses (-)
Banking profit (before provision for general reserve forpossible loan losses)
Core banking profit
Net gains (losses) on debt securities

13

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

14

Banking profit

15

Net non-recurring gains (loss)

16

Disposal of non-performing loans

17

Net gains (losses) on equity securities②(4,624)

3,920

8,544

－

1,303

1,303

8,441

9,494

1,053

5,009

128

(4,881)

637

(131)

(768)

6,187

1,211

(4,976)18

Ordinary income

13,4509,623(3,827)19

Net extraordinary income (loss)

(278)

(223)

55

20

Income before income taxes

13,171

9,399(3,772)21

Total income taxes (-)

1,319

1,198

(121)

22

Income taxes-current (-)

(166)

839

1,005

23

Income taxes-deferred (-)

1,485

359

(1,126)

11,852

8,200(3,652)

637

1,171

534

24

Net income

25

Net credit costs (-) ①+②－

1－

Senshu Ikeda Holdings,Inc.
(Reference ) Substantial figures after deduction of specific factors
The Senshu Ikeda Bank 【Non-consolidated】(Millions of yen)
For the nine months
ended Dec 31, 2016

For the nine months
ended Dec 31, 2015
Disclosed figures(a)

Substantial figures(b)

46,956
39,242
30,461
8,781
5,328
2,385
33,891
13,065(4,624)44,34638,16730,461
7,706
5,328
849
33,891
10,4542,070

41,59936,87729,314
7,562
3,696
1,025
34,721
6,877
3,920(5,357)(2,365)(1,147)(1,219)(1,632)(1,360)830(6,188)8,544(2,747)(1,290)(1,147)(144)(1,632)176
830(3,577)
1,850

8,441

12,525

10,7972,356(1,728)6,187(1,178)13,450(278)
1,319
11,852

2,102(1,178)13,450(278)
1,319
11,852

1,211(2,385)
9,623
(223)
1,198
8,200

(4,976)(1,207)(3,827)55(121)(3,652)(891)(1,207)(3,827)55(121)(3,652)

Core gross profit
Net interest income
Interest income on loans and deposits
OthersNet fees and commissions income
Net other operation income
Expenses (-)
Core banking profit
Net gains (losses) on debt securities
Banking profit (before provision forgeneral reserve for possible loan losses)
Net gains (losses) on equity securities
OthersOrdinary income
Net extraordinary income (loss)
Total income taxes (-)
Net income(c)(c)-(a)(c)-(b)(3) Senshu Ikeda Tokai Tokyo Securities 【 Non-consolidated】(Millions of yen)
For the nine months
ended Dec. 31,2015(a)

For the nine months
ended Dec. 31,2016(b)(b)-(a)1

Net operating income

1,637

1,568

(69)

2

Administrative expenses (-)

1,235

1,383

148

3

Operating income

402

184

(218)

4

Income before income taxes

393

183

(210)

5

Net income

257

119

(138)

(4) ROE
Senshu Ikeda Holdings 【 Consolidated】(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2015 Dec. 31,2015 Mar.31,2016 Dec. 31,2016(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)

11.91

9.60

10.31

7.29

(2.31)(3.02)

9.15

8.17

7.74

5.30

(2.87)(2.44)(Note) Shareholders’ equity basis after deduction of total accumulated other comprehensive income.
(%)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2015 Dec. 31,2015 Mar.31,2016 Dec. 31,2016
(a)
(b)
(c)
ROE
(Income before income taxes basis)
ROE(Profit attributable to owners of the parent basis)(c)-(a)(c)-(b)

11.10

8.60

9.21

6.75

(1.85)(2.46)

8.52

7.31

6.92

4.91

(2.40)(2.01)－

2－

Senshu Ikeda Holdings,Inc.
2. Information on Main Accounts
The Senshu Ikeda Bank 【 Non-concolidated】
The balance of loans and bills discounted at the end of December 2016 increased by ¥86.9 billion from the end of
December 2015 to ¥3,774.6 billion.
The balance of deposits at the end of December 2016 increased by ¥90.1 billion from the end of December 2015 to¥4,855.2 billion.
(1) Loans and Bills Discounted① 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 Dec.
31.2015(a)1,957,209
1,730,559
1,703,886
26,673
3,687,768
64,014As of Mar.
31, 2016(b)
2,021,670
1,730,397
1,701,561
28,8353,752,067
62,100

As of Dec.
31, 2016(c)
2,044,503
1,730,175
1,696,555
33,6193,774,678
65,635(c)-(a)87,294(384)(7,331)
6,946
86,9101,621(c)-(b)22,833(222)(5,006)
4,784
22,611
3,535

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

466,773
1,226,784
215,324
49,992
1,728,893
3,687,768

464,438
1,261,284
219,574
77,321
1,729,448
3,752,067

473,696
1,314,888
184,375
74,636
1,727,081
3,774,678

6,923
88,104(30,949)
24,644(1,812)
86,9109,258
53,604(35,199)(2,685)(2,367)
22,611

Average Balance

3,582,906

3,628,300

3,638,361

3,724,853

96,55386,492As of Mar.
31, 2016(b)
2,042,644
1,730,397
1,701,561
28,835
3,773,041
62,100

As of Dec.
31, 2016(c)
2,057,144
1,730,175
1,696,555
33,6193,787,319
65,635(c)-(a)78,496(384)(7,331)
6,946
78,111
1,621(c)-(b)14,500(222)(5,006)
4,784
14,2783,535

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 Dec.
31. 2015(a)
1,978,648
1,730,559
1,703,886
26,6733,709,208
64,014465,198
1,191,420
227,548
49,977
1,745,983
3,680,130

466,773
1,247,865
215,324
49,992
1,729,252
3,709,208

464,438
1,281,899
219,574
77,321
1,729,807
3,773,041

473,696
1,327,103
184,375
74,636
1,727,507
3,787,319

6,923
79,238(30,949)
24,644(1,745)
78,111

9,258
45,204(35,199)(2,685)(2,300)14,278Average Balance

3,611,413

3,651,452

3,661,043

3,742,746

91,29481,703As of Dec.
31, 2015(a)2,955,678
80.14

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

As of Dec.
31, 2016(c)
3,041,970
80.58

As of Dec.
31, 2015(a)2,977,117
80.26

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

As of Dec.
31, 2016(c)
3,054,611
80.65② 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)86,2920.44(c)-(b)51,2370.88

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)77,4940.39(c)-(b)42,9050.83

Senshu Ikeda Holdings,Inc.
(2) Deposits(Millions of yen)
As of Mar.
31, 2015
Individual
Online branch
Corporation
General corporation

3,744,025

As of Dec.
31. 2015(a)
3,780,149

As of Mar.
31, 2016(b)
3,726,769

As of Dec.
31, 2016(c)3,809,156(c)-(a)29,007(c)-(b)82,387

83,58372,572

67,96069,453(3,119)1,493

1,028,510

984,941

1,050,926

1,046,070

61,129(4,856)850,231

877,266

911,572

960,248

82,982

48,676

Financial institutions

28,145

4,202

10,056

3,990

(212)

(6,066)

Governmental funds

150,133

103,472

129,297

81,832(21,640)(47,465)

4,772,536

4,765,091

4,777,696

4,855,226

90,13577,53049,214

16,616

18,862

19,0182,402

156

4,646,813

4,747,392

4,741,066

4,778,842

31,45037,776

Total
Foreign currency deposits
Average Balance(3) Assets under Management① Investment products sales(Millions of yen)
For the fiscal For the nine For the fiscal For the nine
year ended months ended year ended months ended
Mar.31,2015 Dec. 31,2015 Mar.31,2016 Dec. 31,2016(a)(b)(b)-(a)The Senshu Ikeda Bank

231,584

129,714168,343

101,046(28,668)

Investment trusts

151,41369,69987,44557,985(11,714)Public bonds

2,937

918

1,066

559

(359)

Life insurance

77,23459,096

79,83142,502(16,594)

Senshu Ikeda Tokai Tokyo Securities

46,53339,512

48,10230,456(9,056)

Total

278,117

169,226

216,445

131,502(37,724)

As of Dec.
31, 2015(a)

As of Mar.
31, 2016(b)

As of Dec.
31, 2016(c)② Balance of assets under management(individual)(Millions of yen)
As of Mar.
31, 2015
Deposits(c)-(a)(c)-(b)3,744,025

3,780,149

3,726,769

3,809,156

29,007

82,387

Investment trusts

194,394

187,849

183,895

191,080

3,231

7,185

Life insurance

489,826

496,814501,062

508,086

11,272

7,024

Public bonds

23,71018,481

17,752

13,645(4,836)(4,107)

Senshu Ikeda Tokai Tokyo Securities

61,34974,10572,632

92,082

17,977

19,450Total

4,513,306

4,557,400

4,502,112

4,614,050

56,650111,938

As of Mar.
31, 2015

As of Dec.
31, 2015(a)

As of Mar.
31, 2016(b)

As of Dec.
31, 2016(c)

The Senshu Ikeda Bank

237,827

222,315

216,205

217,388

Investment trusts

204,260

196,230

192,067

199,141

2,911

7,074

Public bonds

33,56626,084

24,13818,247(7,837)(5,891)(Reference )Balance of assets under management(Millions of yen)(c)-(a)(4,927)(c)-(b)
1,183

Senshu Ikeda Tokai Tokyo Securities

68,346

83,147

81,701103,988

20,841

22,287

Total

306,173

305,462

297,907

321,377

15,91523,470－4－

Senshu Ikeda Holdings,Inc.
(4) Securities① Breakdown of security balance(Millions of yen)
As of Mar.
31, 2015
Securities
Government bonds

As of Dec.
31. 2015(a)

As of Mar.
31, 2016(b)

As of Dec.
31, 2016(c)

1,163,549

1,051,781

1,051,825

983,161(68,620)(68,664)

164,153

74,21076,25962,097(12,113)(14,162)(c)-(a)(c)-(b)

Local government bonds

51,25644,70449,33840,915(3,789)(8,423)

Corporate bonds

273,480

255,886

277,505

240,785(15,101)(36,720)

Authority bonds

197,171

192,500

205,420

179,914(12,586)(25,506)

9,384

8,003

15,42912,925

4,922(2,504)

Bank debenture bonds

66,92455,38256,65647,945(7,437)(8,711)

StocksGeneral corporate bonds

101,658

99,83590,783

98,129(1,706)

7,346

Other securities

572,999

577,143557,938

541,234(35,909)(16,704)

269,125

248,064

249,540

306,789

58,72557,249Foreign securities
Euroyen bonds

38,99337,00027,00027,000(10,000)－

Dollar-dominated bonds

230,125

182,179

172,052

227,732

45,55355,680－28,87950,482

52,05023,171

1,568

REIT

31,04034,14434,02732,988(1,156)(1,039)Investment trusts
Hedging investment trust
for cross-shareholdings etc.

267,719

288,405

267,881

193,423(94,982)(74,458)

16,980

5,914

161

－

(5,914)

(161)

5,115

6,529

6,487

8,033

1,504

1,546

1,319,019

1,083,015

1,066,378

1,058,450(24,565)(7,928)

As of Mar.
31, 2015

As of Dec.
31, 2015(a)

As of Mar.
31, 2016(b)

As of Dec.
31, 2016
(c)

590

429

465

350

(79)

(115)

Euro-dominated bonds

Investment partnership
Average Balance② Net unrealized gains (losses) on securities(Millions of yen)Held-to-maturity debt securities
Available-for-sale securities(c)-(a)(c)-(b)27,69522,94328,73017,758(5,185)(10,972)

Stocks31,19835,151

28,33637,317

2,166

8,981

Bonds

1,125

942

2,396

915

(27)

(1,481)

35

50

109

77

27

(32)

Government bonds
Local government bonds

161

185

188

172

(13)

(16)

Corporate bonds

929

706

2,098

665

(41)

(1,433)(4,628)(13,150)(2,001)(20,473)(7,323)(18,472)(734)(5,016)2,165(15,311)(10,295)(17,476)

Other securities
Foreign securities
Euroyen bonds
Dollar-dominated bonds

(6)

－

－

－

－

－

(727)

(4,938)

1,465(13,714)(8,776)(15,179)

－

(78)

700

(1,597)(1,519)(2,297)

REIT

2,414

1,516

3,514

2,983

1,467

(531)

Investment trusts
Hedging investment trust
for cross-shareholdings etc.
Investment partnership(6,515)(9,727)(7,770)(8,216)

1,511

(446)

(7,017)(2,292)

(62)

－

2,292

62

206

77

88

71

(6)

(17)

Euro-dominated bonds

－

5

－

Senshu Ikeda Holdings,Inc.
3. Capital Ratio(1) Senshu Ikeda Holdings (domestic standard)(Millions of yen)
As of Mar.
31, 2015

As of Dec.
31, 2015

As of Mar.
31, 2016

As of Dec.
31, 2016

(a)

(b)

(c)

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

Total capital ratio (%)

10.09

11.08

10.59

10.39

(0.69)(0.20)

Total capital(A)-(B)268,401

300,846

288,687

284,220(16,626)(4,467)

275,747

306,562

297,309292,336(14,226)(4,973)

153,292

210,329

208,220

215,357

5,028

7,137

14,711

13,461

13,893

10,164(3,297)(3,729)40,00015,00015,00015,000－－65,22465,22457,97749,560(15,664)(8,417)

7,346

5,715

8,622

8,116

2,401

(506)

Risk weighted assets (C)2,657,817

2,713,779

2,724,851

2,733,407

19,6288,556

Required capital (C×4%)

106,312

108,551

108,994

109,336785

342Core 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)(2) The Senshu Ikeda Bank (domestic standard)① Consolidated(Millions of yen)
As of Mar.
31, 2015

As of Dec.
31, 2015

As of Mar.
31, 2016

As of Dec.
31, 2016

(a)

(b)

(c)
10.30

(c)-(b)

Total capital ratio (%)

10.51

11.43

Total capital(A)-(B)280,062

310,525

302,595

281,501(29,024)(21,094)

286,016

315,460

310,379

289,237(26,223)(21,142)

187,216

221,597

222,020

228,659

7,062

6,639

14,711

13,461

13,893

10,164(3,297)(3,729)

－

－

－

－

－

－

82,796

79,20073,59749,560(29,640)(24,037)

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)11.10(c)-(a)(1.13)(0.80)

5,953

4,934

7,784

7,735

2,801

(49)

Risk weighted assets (C)2,664,117

2,715,968

2,725,680

2,730,884

14,916

5,204

Required capital (C×4%)

106,564

108,638

109,027

109,235

597

208

As of Mar.
31, 2015

As of Dec.
31, 2015

As of Mar.
31, 2016

As of Dec.
31, 2016

(a)

(b)

(c)

②

Non-consolidated(Millions of yen)

Total capital ratio (%)(c)-(a)(c)-(b)

9.27

10.34

9.90

9.65

(0.69)(0.25)

244,865

278,141

267,748

262,486(15,655)(5,262)

250,192

282,501

275,348

269,461(13,040)(5,887)

177,751

210,530

210,303

215,703

5,173

5,400

5,402

4,931

5,455

6,758

1,827

1,303

－

－

－

－

－

－

67,03967,03959,59047,000(20,039)(12,590)

5,327

4,360

7,599

6,974

2,614

(625)

Risk weighted assets (C)2,639,343

2,689,434

2,704,408

2,718,667

29,233

14,259Required capital (C×4%)

105,573

107,577

108,176

108,746

1,169

570

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)

－

6

－

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 Dec.
31, 2015(a)

As of Mar.
31, 2016(b)

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

6,437

4,876

4,648

3,520

(1,356)(1,128)

Doubtful credit

38,67636,867

37,14930,151(6,716)(6,998)Substandard credit

11,192

11,39010,604

10,542

(848)

(62)

Subtotal (A)56,30653,13352,40344,214(8,919)(8,189)

Normal credit

3,623,475

3,657,263

3,720,083

3,750,130

92,86730,047

Total(B)3,679,782

3,710,396

3,772,486

3,794,344

83,94821,858

1.53

1.43

1.38

1.16

(0.27)(0.22)

59,614

44,59932,87938,336(6,263)

5,457

As of Mar.
31, 2015

As of Dec.
31, 2015(a)

As of Mar.
31, 2016(b)

As of Dec.
31, 2016(c)

Bankruptcy and quasi-bankrupt credit

7,136

5,207

4,845

3,840

Doubtful credit

48,96945,983

46,23339,863(6,120)(6,370)Substandard credit

13,538

13,637

12,84010,803(2,834)(2,037)

Non-performing loans ratio (A)/(B)Partial direct write-off(Reference)
Including two business rehabilitation subsidiaries(Millions of yen, %)(c)-(a)(1,367)(c)-(b)(1,005)

Subtotal (A)69,64464,82863,91854,508(10,320)(9,410)Normal credit

3,634,217

3,667,010

3,729,542

3,752,478

85,46822,936

Total(B)

3,703,861

3,731,838

3,793,461

3,806,986

75,14813,525

1.88

1.73

1.68

1.43

(0.30)(0.25)

63,03545,60833,68343,242(2,366)

9,559

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.

－7－