INTERIM REPORTSix Months Ended September 30,2023

NNUAL REPORT 2023

r Ended March 31,2023

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.

Vision 25

We contribute to build a future society where everyone can be active,
by offering absolute solutions to our regional customers and developing our potential ability.

Basic Policy

1. Offer the most suitable solutions exactly from customers’ point ofview through the various issues of customers.
2. Create a workplace where employees can be active in diverse
fields by meeting customers’ trust.
3. Contribute to realize a sustainable development of the regional
communities and reliable and fulfilling life of regional customers
through our business activities.

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 2022

SENSHU IKEDA HOLDINGS,INC.

Corporate Information
Corporate Data (As of the end of September, 2023)
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: 150
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:¥5,726.2 billion
Loans:¥4,801.8 billion
Number of Branches: 139
Number of Employees: 2,085

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:
3-2-1 Toyosaki, Kita-ku, Osaka-City, Osaka 531-0072, Japan
Phone:
81-(0)6-6485-0031
URL:
https://www.sittsec.co.jp
Share Capital:¥1.25 billion
Assets Under Management: ¥221.1 billion
Number of Branches: 7
Number of Employees: 121

SENSHU IKEDA HOLDINGS,INC. INTERIM REPORT 2022

2

Board of Directors
Senshu Ikeda Holdings
n Board of Directors (As of November 30, 2023)
Representative Director
and Chairman

Takayuki Ota

Representative Director,
President and CEO

Atsushi Ukawa

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

Toshiyuki Wada

Director(Outside)

Takao Koyama

Audit & Supervisory
Board Member(Full-time)

Hiroo Maeno

Hirohito Sakaguchi

Director(Outside)

Atsuko Ogasawara

Seiji Morinobu

Director &Senior Managing
Executive Officer

Osamu Tsukagoshi

Director(Outside)

Yoshihiro Nakagawa

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

Director(Outside)

Minoru Furukawa

Audit & Supervisory
Board Member(Full-time)

Satoshi Kitagawa

Kouhei Nakanishi

n Executive Officers (As of November 30, 2023)
Senior Managing
Executive Officer

Yasuki Hosomi

Managing
Executive
Officer

Takayoshi Fujiwara

Executive
OfficerAtsushi Otsuka

Executive
Officer

Kazuo Nagai

Senior Managing
Executive Officer

Shinji Inoue

Managing
Executive
OfficerManaging
Executive
OfficerManaging
Executive
Officer

Tsutomu Irie

Executive
Officer

Ryoichi Iimuro

Executive
Officer

Yoshinori Narita

Kyoko Matsushita

Executive
Officer

Kengo Hounoki

Tomoyuki Shinohara

Executive
Officer

Akira Ishikawa

The Senshu Ikeda Bankn Board of Directors (As of November 30, 2023)
Representative Director
and Chairman
Representative Director,
President and CEO

Takayuki Ota
Atsushi Ukawa

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

Toshiyuki Wada
Hirohito Sakaguchi
Osamu Tsukagoshi
Takayoshi Fujiwara
Tsutomu Irie

Non-executive Director(Non-full-time)Non-executive Director(Non-full-time)Non-executive Director(Non-full-time)Non-executive Director(Non-full-time)
Audit & Supervisory
Board Member (Full-time)

Minoru Furukawa
Takao Koyama
Atsuko Ogasawara
Yoshihiro Nakagawa
Osamu Horiuchi

Audit & Supervisory
Board Member (Full-time)
Audit & Supervisory
Board Member (Outside)
Audit & Supervisory
Board Member (Outside)

Katsumi Hiramatsu
Ken-ichi Yoshimoto
Kazuyuki Tanaka

n Executive Officers (As of November 30, 2023)
Senior Managing
Executive Officer
Senior Managing
Executive Officer

Koji Miyata
Akira Harada
Managing
Executive Officer Kyoko Matsushita
Managing
Executive Officer Shin-ichi Kojima
Managing
Executive Officer Tomoyuki Shinohara

Executive
Officer
Executive
Officer
Executive
Officer
Executive
Officer
Executive
Officer
Executive
OfficerAtsushi Otsuka
Hiromu Koujiya
Yoshi Yamamoto
Ryoichi Iimuro
Masahide Inui
Yasuji Kanbayashi

Executive
Officer
Executive
Officer
Executive
Officer
Executive
Officer
Executive
Officer
Executive
Officer

Senshu Ikeda Tokai Tokyo Securitiesn Board of Directors (As of November 30, 2023)
Representative
Director andPresident
Representative
Director andVice President
Senior Managing
Director

Motoshi Inoue
Nozomu Kudou
Muneharu Kurita

Audit & Supervisory
Board Member(Full-time)
Audit & Supervisory
Board Member(Outside)
Audit & Supervisory
Board Member(Outside)

Ken-ichi Hanadate
Osamu Horiuchi
Yasuhiko Ozawa

n Executive Officers (As of November 30, 2023)

3

Managing Executive
Officer

Toshiyuki Inoue

Executive Officer

Shigeki Kawamura

Managing Executive
Officer

Masaomi Umezawa

Executive Officer

Shinji Nakatani

SENSHU IKEDA HOLDINGS,INC. INTERIM REPORT 2022

Takahiro Doki
Masayoshi Onishi
Tsuyoshi Kotani
Akira Nishikawa
Kengo Hounoki
Yasushi Yamanaka

Executive
Officer
Executive
Officer
Executive
Officer
Executive
Officer

Akira Ishikawa
Kazuo Nagai
Yoshinori Narita
Tetsuo YamamotoConsolidated Financial Information of Senshu Ikeda Holdings (Unaudited)
Consolidated Interim Balance Sheets (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
As of 30th September, 2023 and 31st March, 2023

Millions of yen
As of September 30,
As of March 31,
2023
2023

Thousands of
U.S. dollars
As of September 30,
2023

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
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¥¥

939,156
5,157
9
15,023522,325
4,775,252
6,209
90,61435,8903,627
23,9442,502
6,283(9,898)6,416,099¥

821,649
7,692–
15,010486,984
4,737,192
5,856
82,01735,857
3,837
23,928
4,044
6,317(11,301)
6,219,089

6,278,620
34,47660
100,434
3,491,944
31,924,401
41,509605,789
239,938
24,247160,074
16,72642,004(66,171)$ 42,894,096

5,579,250
4,371
338,899
314
1,660
55,962
1,724
85
144

$ 38,208,858
31,1402,692,010
2,299
14,901
311,632
12,976
233
962

4

4

26

185
1,141
10
22
6,283
6,181,571

209
1,154
13
276
6,317
5,990,391

1,236
7,628
66
147
42,004
41,326,186

102,999
16,896
100,574(122)
220,348

102,999
16,89995,294(135)
215,057

688,588
112,956
672,375(815)
1,473,111

6,411
17
5,253
11,682
121
2,376
234,528
6,416,099

5,558
45
5,754
11,358116
2,164
228,697
6,219,089

42,860113
35,11878,098808
15,884
1,567,910$ 42,894,096¥$

Liabilities and net assets
Liabilities
Deposits
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Borrowed money from trust account
Other liabilities
Provision for employees’ bonuses
Provision for directors’ bonuses
Net defined benefit liability
Accrued retirement benefits for directors and audit & supervisoryboard members
Reserve for reimbursement of deposits
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¥¥

5,715,281
4,658
402,671
344
2,229
46,614
1,941
35
144

¥

¥

(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 ¥149.58 = $1.00, as of Sept. 30, 2023
(Note 3) In accordance with the change in accounting policy, some of the figures for the previous consolidated fiscal year do not match thosealready disclosed.

2023

4

Consolidated Interim Statements of Operations (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2023 and 2022

Thousands of
U.S. dollars
2023

Millions of yen
2023
2022

IncomeInterest income:Interest on loans and bills discounted
Interest and dividends on securities
Other interest income
Trust fees
Fees and commissions
Other ordinary 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¥

19,974
1,509
1,343
13
11,426
807
1,200
287
–
6,798
43,360¥19,630
3,263
1,030
14
11,007
1,515
2,020
324
1
5,706
44,513$

133,533
10,0888,978
8676,387
5,395
8,022
1,918
–
45,447
289,878

Expenses
Interest expenses:
Interest on deposits
Interest on borrowings and rediscounts
Other ordinary expenses
Fees and commissions
Other ordinary 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

250
14
98
3,645
848
22,08123
16
6,996
33,974
9,385

364
20
684
4,153
2,397
22,301
46
93
5,535
35,597
8,916

1,671
93
655
24,368
5,669
147,620153
106
46,770227,129
62,742

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

1,348
1,301
2,650
6,735
54
6,681

1,046
707
1,753
7,162
(114)
7,276

9,011
8,697
17,71645,026361
44,665¥¥$(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 ¥149.58 = $1.00, as of Sept. 30, 2023.
(Note 3) In accordance with the change in accounting policy, some of the figures for the previous consolidated second quarter (interim period) do
not match those already disclosed.

Consolidated Interim Statements of Comprehensive Income (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2023 and 2022

Profit¥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 other comprehensive income
Comprehensive income
Total comprehensive income attributable to:
Owners of the parent
Non-controlling interests¥

Millions of yen
2023
2022
6,735
¥
7,162

852
(28)
(500)
323
7,058
7,004
54

¥

(6,232)93(474)(6,613)
548
663
(114)

(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 ¥149.58= $1.00, as of Sept. 30, 2023

5

2023

Thousands of
U.S. dollars
2023$
45,026

$

5,695
(187)
(3,342)
2,159
47,18546,824361

Consolidated Interim Statements of Changes in Net Assets (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended September 30, 2022

BALANCE, APRIL 1, 2022
Purchase of shares of
consolidated subsidiaries
Cash dividends
Profit attributable to owners of the parent
Acquisition of treasury stock
Disposal of treasury stock
Retirement of treasury stock
Net changes in items otherthan shareholders' equity
Total changes during the period
BALANCE, SEPTEMBER 30, 2022

Capitalstock

CapitalsurplusRetainedearnings

102,999

42,10889,320Millions of Yen
Accumulated othercomprehensive income
Net unrealizedNetgain (loss) on unrealized RemeasureTotal
available- gain (loss) on ments of
Stock
Treasury shareholders'for-saledeferreddefinedsubscription
stock
equitysecurities
hedgesbenefit plansrights(145)

5(2,126)
7,276(25,215)
10
25,215(0)(25,215)–
102,999(25,210)
16,8985,150
94,470234,283

7,607

(24)

6,468

86

Noncontrollinginterests

Total net
assets2,438

250,8605

5(2,126)
7,276(25,215)
9–(2,126)
7,276(25,215)
9–(6,232)

93

(474)

4

(143)

(6,752)(6,232)
1,375

93
68

(474)
5,993

4
91

(143)
2,295

(26,802)
224,057

Millions of Yen
Accumulated othercomprehensive income
Net unrealizedNetgain (loss) on unrealized
RemeasureTotal
available- gain (loss) on ments of
Stock
Treasury shareholders' for-saledeferreddefinedsubscription
stock
equitysecurities
hedgesbenefit plansrights

Noncontrollinginterests

Total net
assets10(135)(20,050)214,232

Six months ended September 30, 2023

BALANCE, APRIL 1, 2023
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, 2023

BALANCE, APRIL 1, 2023
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, 2023

Capitalstock

Capitalsurplus102,999

16,899Retainedearnings

95,294(1,401)
6,681

(0)
13

(2)

–
102,999(2)
16,896

5,279
100,574

Capitalstock

CapitalsurplusRetainedearnings

688,588

112,976

637,077(9,366)44,665(13)
112,956

13(122)

Treasury
stock

(902)

(0)
86

(13)

–
688,588(135)

35,292
672,375

86(815)

215,057(1,401)
6,681
(0)
11

5,558

45

5,754

116

2,164

228,697(1,401)
6,681
(0)
11

852

(28)

(500)

4

211

539

852
6,411

(28)
17

(500)
5,253

4
121

211
2,376

5,830
234,528

Thousands of U.S. Dollars
Accumulated othercomprehensive income
Net unrealizedNetgain (loss) on unrealized RemeasureTotal
available- gain (loss) on ments ofStock
Nonshareholders'for-saledeferreddefinedsubscription controlling
equitysecurities
hedgesbenefit plansrightsinterests

Total net
assets1,437,739(9,366)44,665
(0)
73

5,291
220,348

35,372
1,473,111

37,157300

38,467775

14,467

1,528,927(9,366)44,665
(0)
73

5,695

(187)

(3,342)

26

1,410

3,603

5,695
42,860(187)
113(3,342)35,118

26
808

1,410
15,88438,975
1,567,910(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 ¥149.58 = $1.00, as of Sept. 30, 2023.

2023

6

Consolidated Interim Statements of Cash Flows (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2023 and 2022

Thousands of
U.S. dollars
2023

Millions of yen
2023
2022
Cash flows from operating activities
Income before income taxes¥

Depreciation
Loss on impairment of fixed assets(Earnings) losses from investments under the equity method

9,385

¥

8,916

62,742

2,437

14,848

16

93

106

(9)

(11)

(60)

(1,402)(2,087)(9,372)

Increase (decrease) in accrued bonuses

217

(552)

1,450

Increase (decrease) in provision for directors' bonuses

(49)

(55)

(327)

Decrease (increase) in net defined benefit asset

(15)

(160)

(100)

Increase (decrease) in net defined benefit liability

0

(5)

0

(24)

(66)

(160)

–

(30)

–

Increase (decrease) in reserve for possible loan losses

Increase (decrease) in reserve for reimbursement of deposits
Increase (decrease) in reserve for point services
Increase (decrease) in reserve for contingent losses

(12)

(16)

(80)

(22,827)(23,923)(152,607)

Interest expenses

362

1,068

2,420

(Gain) loss on securities

57

1,973

381

Interest income(Gain) loss on money held in trust

(15)

(71)

(100)

(Gain) loss on foreign exchange(504)(13,828)(3,369)(Gain) loss on sales or disposal of fixed assets, net

19

42

127

Net (increase) decrease in loans and bills discounted(38,059)(49,029)(254,439)

Net increase (decrease) in deposits

136,030

57,489909,413

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

63,771(867,849)

426,333

Net (increase) decrease in due from banks (excluding due from the Bank of Japan)(1,292)(13)(8,637)

Net (increase) decrease in call loans and bills bought and others

2,525

68

16,880Net increase (decrease) in payables under securities lending transactions

286(43,777)

1,912

Net (increase) decrease in foreign exchange (assets)

(352)

815

(2,353)

Net increase (decrease) in foreign exchange (liabilities)

30

44

200

Net increase (decrease) in borrowed money from trust account

568

630

3,797

21,532

24,812

143,949(371)(1,124)(2,480)(13,267)

2,156(88,695)

158,822(902,054)

1,061,786

Interest received
Interest paid
Other
Subtotal
Income taxes refund(10)

Net cash provided by (used in) operating activities¥

158,811(1,040)¥(903,095)(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 ¥149.58 = $1.00, as of Sept. 30, 2023.

7

$

2,221

2023

(66)
$

1,061,712

Consolidated Interim Statements of Cash Flows (Unaudited)
Senshu Ikeda Holdings, Inc. and Consolidated Subsidiaries
Six months ended 30th September, 2023 and 2022

Thousands of
U.S. dollars
2023

Millions of yen
2023
2022
Cash flows from investing activities
Purchases of securities¥(54,546)¥(91,043)$(364,661)

Proceeds from sales of securities

1,444

64,365

9,653

Proceeds from maturity of securities

13,79950,12092,251

Decrease in money held in trust

–

9,500

–

Purchases of tangible fixed assets(1,644)(1,920)(10,990)

Purchases of intangible fixed assets

(435)

(515)

(2,908)–1–(41,382)

30,507(276,654)

157

–

1,049
(9,366)

Proceeds from sales of tangible fixed assets
Net cash provided by (used in) investing activities
Cash flows from financing activities
Proceeds from stock issuance for non-controlling interests(1,401)(2,126)

Cash dividends paid for non-controlling shareholders

Cash dividends paid

–

(18)

–

Purchases of treasury stock(0)(25,215)(0)Proceeds from disposition of treasury stock

11

9

73

(1,232)(27,351)(8,236)

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

18

19

120

116,214(899,919)

776,935

815,323¥

931,537

1,712,443¥

812,5245,450,748$

6,227,684(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 ¥149.58 = $1.00, as of Sept. 30, 2023.

2023

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, 2023 and 31st March, 2023

Millions of yen
As of September 30,
As of March 31,
2023
2023

Thousands of
U.S. dollars
As of September 30,
2023

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
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
Total assets¥¥

931,8325,157
9
15,023
525,527
4,801,822
6,209
41,31331,4583,535
16,376
4,137
6,265(7,665)
6,381,005¥

815,791
7,692–
15,010492,408
4,786,346
5,856
35,446
31,425
3,742
15,6395,919
6,299(9,029)6,212,550

6,229,656
34,47660
100,434
3,513,350
32,102,032
41,509276,193
210,308
23,632
109,479
27,65741,883(51,243)$ 42,659,479

5,615,913
2,000
4,371
329,655314
1,660
28,106
1,511
67$ 38,282,022
180,505
31,1402,634,710
2,299
14,901
107,835
11,472
193

4

4

26

185
1,141
6,265
6,180,033

209
1,154
6,299
5,991,271

1,236
7,628
41,88341,315,904

61,38563,31569,978
194,680
6,274
17
6,291
200,971
6,381,005

61,38588,86266,008216,256
4,976
45
5,022
221,278
6,212,550

410,382
423,285
467,829
1,301,510
41,944113
42,057
1,343,568$ 42,659,479¥$

Liabilities and net assets
Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions
Borrowed money
Foreign exchange liabilities
Borrowed money from trust account
Other liabilities
Provision for employees’ bonuses
Provision for directors’ bonuses
Accrued retirement benefits for directors and audit & supervisoryboard members
Reserve for reimbursement of deposits
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¥¥

5,726,225
27,0004,658
394,100
344
2,229
16,130
1,716
29

¥

¥

(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 ¥149.58 = $1.00, as of Sept. 30, 2023.

9

2023

Non-consolidated Interim Statements of Operations (Unaudited)
The Senshu Ikeda Bank, Ltd.
Six months ended 30th September, 2023 and 2022

Millions of yen
2023
2022

Thousands of
U.S. dollars
2023

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

20,060
1,986
1,336
13
8,946
435
1,582
34,362¥

19,707
3,555
1,024
14
8,900
1,082
2,626
36,910$134,108
13,2778,931
86
59,807
2,908
10,576
229,723

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

¥

250
98
5,245
848
19,525
1,125
27,093
7,269

364
689
4,935
2,397
19,794888
29,070
7,839

1,671
655
35,064
5,669
130,532
7,521
181,127
48,596

494
1,352
1,846
5,423

518
687
1,205
6,633

3,302
9,038
12,341
36,254¥$(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 ¥149.58 = $1.00, as of Sept. 30, 2023.

2023

10

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

https://www.sihd-bk.jp/

SENSHU IKEDA TOKAI TOKYOSECURITIES CO.,LTD.
3-2-1, Toyosaki, Kita-ku, Osaka,Japan
Phone:81-(0)6-6485-0031
https://www.sittsec.co.jp/