Mebuki Financial Group, Inc.

February, 10 2017
Mebuki Financial Group, Inc.
Financial Results for the Third Quarter of Fiscal Year 2016, ending March 31, 2017
Stock Exchange Listing:
URL:
Representative:
For Inquiry:
Filing date of Financial Statements:
Tokyo (code: 7167)
http://www.mebuki-fg.co.jp/
Kazuyoshi Terakado, President
Kiyoshi Nozaki, General Manager of Corporate Planning Dept.
February 13, 2017 (scheduled)
(Japanese yen amounts of less than 1 million or the first decimal place have been rounded down.)
1. Financial Highlights (from April 1, 2016 to December 31, 2016)
(%: Changes from the corresponding period of the previous fiscal year)
(1)Consolidated Operating Results
Ordinary Income
Third quarter
Ended December 31, 2016
Ended December 31, 2015
(Note) Comprehensive Income
¥Million
150,926
78,210
％
¥Million
―
7.0
42,818
22,817
Third quarter of FY2016: ¥152,174 million [-%]
Third quarter
Ended December 31, 2016
Ended December 31, 2015
Net Income Attributable to
Owners of the Parent
Ordinary Profit
％
¥Million
―
18.0
153,174
14,500
％
―
17.6
Third quarter of FY2015: ¥11,440 million [-66.6%]
Net Income per Net Income per
Share
Share (Diluted)
¥
¥
160.22
43.51
160.18
―
(Note) Since net income per share does not decrease as a result of dilution, diluted net income per share for the third quarter
of previous fiscal year 2015, is not shown.
(2)Consolidated Financial Conditions
Total Assets
Net Assets
¥Million
¥Million
Third quarter
Ended December 31, 2016
Fiscal year 2015
16,035,098
6,106,037
Capital Assets to
Total Assets
％
855,597
303,105
5.3
4.9
(Reference) Capital assets Third quarter of FY2016: ¥855,440million FY2015: ¥303,105 million
(Note) “Capital assets to total assets” represents (“Net assets”-“Equity warrants”-“Non-controlling interests”) / “Total
assets” at the end of each period. The ratio above is not the one based on the regulation of Capital Adequacy Ratio.
2. Cash Dividends for Shareholders
Fiscal year
Ended December 31, 2016
Ending March 31, 2017
Cash Dividends per Share
End of 1Q
End of 2Q
End of 3Q
End of FY
Annual
¥
¥
¥
¥
¥
Ending March 31, 2017(Forecast)
―
―
5.50
5.50
―
―
4.50
10.00
6.50
12.00
(Note) 1.Revisions of released cash dividend forecasts : No
2. 2nd Quarter-end dividend for FY2015 includes a commemorative cash dividend ￥1.00 per share for 120-year anniversary of
a wholly owned subsidiary, The Ashikaga Bank, Ltd.
3. Year-end dividend for FY2016 (forcast) includes a commemorative cash dividend ￥1.00 per share for the business
integration of The Joyo Bank, Ltd. and Ashikaga Holdings Co., Ltd.
4. Cash dividends excluding year-end dividend for FY2016 (Forecast) represent actual dividends paid by Ashikaga
Holdings co.,Ltd.
3. Consolidated Earnings Forecasts for Fiscal year 2016, ending March 31, 2017
(%: Changes from the corresponding period of the previous fiscal year)
Net Income Attributable to
Net Income per Share
Owners of the Parent
Ordinary Profit
Fiscal Year
Ending March 3１, 2017
¥Million
53,000
％
¥Million
－
(Note) Revisions of released consolidated earnings forecasts : No
155,000
％
－
¥
163.21
*Notes
(1) Material changes in consolidated subsidiaries during the period (changes in specific subsidiaries
accompanied by changes in scope of consolidation): Yes
Included:
1 company
The Joyo Bank, Ltd.
Excluded:
(2) Adoption of special accounting methods for preparation of quarterly consolidated financial statements : No
(3) Changes in accounting principles, accounting estimates and restatement
① Changes in accounting principles in accordance with changes in accounting standard, etc.: No
② Other changes in accounting principles: No
③ Changes in accounting estimates: No
④ Restatement: No
(4) Number of issued shares (common stock)
① Number of issued shares (including treasury stock):
December 31, 2016 1,179,055,218 shares
March 31, 2016
② Number of treasury stock:
December 31, 2016
1,302,903 shares March 31, 2016
③ Average number of shares:
For the nine months ended December 31, 2016
For the nine months ended December 31, 2015
333,250,000 shares
―　shares
955,985,754 shares
333,250,000 shares
(Note) From April 1,2016 to September 30,2016, the average number of shares is provided by multiplying The Joyo Bank, Ltd. 's
average number of shares and the share exchange ratio. From October 1,2016 to December 31,2016,
the average number of shares is calculated by the actual figures of Mebuki Financial Group, Inc.
Statement relating to the status of the quarterly review procedures
This quarterly report is not subject to the quarterly review procedures based on the Financial Instruments and
Exchange Law. The audit procedures are finished at the time of the release of these financial statements.
Explanation for proper use of forecasts and other notes
The above forecasts are based on the information which is presently available and the certain assumptions which are considered to be
reasonable. Actual results may differ from those forecasts depending on various future factors.
Mebuki Financial Group, Inc. (Mebuki) conducted a share exchange on October 1, 2016 under which Ashikaga Holdings, Co., Ltd. (AHD)
became the wholly owing parent company and The Joyo Bank, Ltd. (Joyo) became the wholly owned subsidiary.
Based on the Accounting Standard for Business Combinations, this share exchange is a reverse acquisition wherein AHD is considered
to be the acquired company and Joyo to be the acquiring company. Therefore, the consolidated assets and liabilities of AHD were
transferred to the consolidated balance sheets of Joyo at the fair value.
Accordingly,consolidated financial results for the third quarter of ficial year 2016 (from April 1, 2016 to December 31, 2016) includes
those of Joyo for the period from April 1, 2016 to September 30, 2016, and those of Mebuki for the period from October 1, 2016
to December 31, 2016. There is no continuity of financial statements between the prior fiscal year and the third quartely period.
Therefore, the year-on-year changes are not disclosed.
Financial Results for the Third Quarter of Fiscal Year 2016, Ending March 31, 2017
-------------------------------------- Contents --------------------------------------Ⅰ Quarterly Consolidated Financial Information
1. Quarterly Consolidated Balance Sheet・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 1
2. Quarterly Consolidated Statement of Income and Consolidated Statement of Comprehensive Income・・・ 2
3. Note for the Assumption of Going Concern・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・
2
4. Note for Material Changes in Shareholders' Equity・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・
3
5. Business Combination・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・
4
6. Significant Subsequent Event ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・
5
Ⅱ 【Reference】Quartely Non-consolidated Financial Information of the main consolidated subsidiaries
1. Quarterly Non-consolidated Financial Information of The Joyo Bank, Ltd.・・・・・・・・・・・・・・・・・・・・・・・・・・・
6
2. Quarterly Non-consolidated Financial Information of The Ashikaga Bank, Ltd.・・・・・・・・・・・・・・・・・・・・・・・ 9
Ⅲ Financial Data for the Third Quarter of Fiscal Year 2016 ending March 31, 2017
1. Income Status・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 12
2. Interest Rate Spread (Domestic operations)・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 16
3. Gains and Losses on Securities・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 17
4. Unrealized Valuation Gains (Losses)・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 18
5. Disclosed Claims under the Financial Revitalization Law・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 19
6. Loans・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 20
7. Deposits・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 21
Ⅰ Quarterly Consolidated Financial Information
1. Quarterly Consolidated Balance Sheet
(Millions of yen）
Item
Assets
Cash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Trading account securities
Securities
Loans and bills discounted
Foreign exchanges
Lease receivable and investments in lease
Other assets
Tangible fixed assets
Intangible fixed assets
Asset for retirement benefits
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Reserve for devaluation of investment securities
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills sold
Payables under securities lending transactions
Trading liabilities
Borrowed money
Foreign Exchanges
Bonds
Bonds with warrant attached
Due to trust account
Other liabilities
Provision for directors' bonuses
Liability for retirement benefits
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for loss on interest repayment
Provision for contingent loss
Reserves under special laws
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Land revaluation excess, net of taxes
Defined retirement benefit plans
Total accumulated other comprehensive income
Equity warrants
Total net assets
Total liabilities and net assets
(Japanese)
(資産の部)
現
金
預
け
金
コールローン及び買入手形
買
入
金
銭
債
権
特
定
取
引
資
産
商
品
有
価
証
券
有
価
証
券
貸
出
金
外
国
為
替
リース債権及びリース投資資産
そ
の
他
資
産
有
形
固
定
資
産
無
形
固
定
資
産
退職給付に係る資産
繰
延
税
金
資
産
支
払
承
諾
見
返
貸
倒
引
当
金
投資損失引当金
資
産
の
部
合
計
(負債の部)
預
金
譲
渡
性
預
金
コールマネー及び売渡手形
債券貸借取引受入担保金
特
定
取
引
負
債
借
用
金
外
国
為
替
社
債
新株予約権付社債
信
託
勘
定
借
そ
の
他
負
債
役員賞与引当金
退職給付に係る負債
役員退職慰労引当金
睡眠預金払戻損失引当金
ポイント引当金
利息返還損失引当金
偶発損失引当金
特別法上の引当金
繰
延
税
金
負
債
再評価に係る繰延税金負債
負
の
の
れ
ん
支
払
承
諾
負
債
の
部
合
計
(純資産の部)
資
本
金
資
本
剰
余
金
利
益
剰
余
金
自
己
株
式
株
主
資
本
合
計
その他有価証券評価差額金
繰延ヘッジ損益
土地再評価差額金
退職給付に係る調整累計額
その他の包括利益累計額合計
新
株
予
約
権
純資産の部合計
負債及び純資産の部合計
(Note) Figures are rounded down to the nearest million.
－1－
As of Mar. 31,
2016
As of Dec. 31,
2016
437,509
414
7,627
－
3,596
1,296,769
4,235,174
4,377
－
34,277
24,424
78,601
10,446
584
12,913
(40,679)
－
6,106,037
1,487,981
15,180
16,090
7,057
－
4,055,983
10,169,125
6,748
44,654
136,906
118,220
12,742
12,330
1,827
27,475
(77,218)
(9)
16,035,098
5,206,700
174,878
78,000
25,263
－
251,726
282
－
－
－
46,266
57
－
311
858
134
－
464
－
5,074
－
－
12,913
5,802,932
13,348,045
315,614
301,940
341,653
576
610,629
695
15,000
34,872
2
120,436
35
13,947
31
3,022
265
14
1,574
2
32,638
9,485
1,540
27,475
15,179,501
117,495
29,025
113,594
－
260,115
48,527
(3,951)
－
(1,585)
42,990
－
303,105
6,106,037
117,495
148,493
456,283
(6)
722,265
129,548
(537)
12,911
(8,748)
133,174
156
855,597
16,035,098
2. Quarterly Consolidated Statement of Income and Consolidated Statement of Comprehensive
Income
(1)Quarterly Consolidated Statement of Income
(Millions of yen）
Item
Ordinary income
Interest income
Interest on loans and bills discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other business expenses
General and administrative expenses
Other operating expenses
Ordinary profit
Extraordinary income
Gains on disposal of non-current assets
Gain on negative goodwill
Extraordinary losses
Losses on disposal of fixed assets
Losses on reduction of fixed assets
Imparement loss
Loss on step acquisitions
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income
Net income attributable to non-controlling interests
Net income attributable to owners of the parent
(Japanese)
経
常
収
益
資
金
運
用
収
益
（うち貸出金利息）
（うち有価証券利息配当金）
信
託
報
酬
役務取引等収益
特
定
取
引
収
益
その他業務収益
その他経常収益
経
常
費
用
資
金
調
達
費
用
（うち預金利息）
役務取引等費用
その他業務費用
営
業
経
費
その他経常費用
経
常
利
益
特
別
利
益
固定資産処分益
負ののれん発生益
特
別
損
失
固定資産処分損
固定資産圧縮損
減
損
損
失
段階取得に係る差損
税金等調整前四半期純利益
法人税、住民税及び事業税
法人税等調整額
法
人
税
等
合
計
四
半
期
純
利
益
非支配株主に帰属する四半期純利益
親会社株主に帰属する四半期純利益
For the 9
months ended
Dec.31,2015
78,210
56,472
42,064
13,684
－
16,418
－
1,389
3,930
55,393
3,685
1,665
4,653
157
41,307
5,588
22,817
－
－
－
124
97
26
－
－
22,692
4,439
3,753
8,192
14,500
－
14,500
For the 9
months ended
Dec.31,2016
150,926
87,699
61,311
25,714
22
23,453
1,301
11,591
26,857
108,108
6,864
1,894
6,216
4,021
67,932
23,072
42,818
119,225
6
119,219
579
226
－
169
184
161,464
12,430
(4,169)
8,261
153,202
28
153,174
(Note) Figures are rounded down to the nearest million.
(2)Quarterly Consolidated Statement of Comprehensive Income
Item
Net income
Other comprehensive income
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Defined retirement benefit plan
Comprehensive income
Comprehensive income attributable to owners of the parent
Comprehensive income attributable to non-controlling
interests
(Millions of yen）
(Japanese)
For the 9
months ended
Dec.31,2015
四
半
期
純
利
益
その他の包括利益
その他有価証券評価差額金
繰延ヘッジ損益
退職給付に係る調整額
四半期包括利益
親会社株主に係る四半期包括利益
14,500
(3,059)
(3,192)
(185)
317
11,440
11,440
非支配株主に係る四半期包括利益
－
(Note) Figures are rounded down to the nearest million.
3. Note for the Assumption of Going Concern
Not applicable.
－2－
For the 9
months ended
Dec.31,2016
153,202
(1,027)
(5,483)
2,535
1,919
152,174
152,147
27
4. Note for Material Changes in Shareholders' Equity
(Millions of yen）
Shareholders’ equity
株主資本
Balance at the beginning of
current period (Note 1)
Changes of items during the
period
Changes due to
share exchange (Note 2)
当
期
首
残
高
Capital
surplus
Retained
earnings
Treasury
stock
Total
shareholders’
equity
資本金
資本剰余金
利益剰余金
自己株式
株主資本合計
85,113
58,574
32,382
90,616
333,964
(21,569)
456,082
当第3四半期連結会計
期間末までの変動額
株式交換による増減
Cash dividends (Note 3)
剰余金の配当
Net income attributable to
owners of the parent
親会社株主に帰属する
四半期純利益（累計）
Purchase of treasury stock
自己株式の取得
Disposal of treasury stock
自己株式の処分
Retirement of treasury
stock
自己株式の消却
Changes due to acquiring
equity of consolidated
subsidiaries
連結子会社株式の取得
による持分の増減
Transfer from land
revaluation excess
Total changes during the
period
Balance at the end of current
period
Capital
stock
(1,832)
0
122,998
(9,397)
(11,230)
153,174
153,174
(10)
(10)
(0)
25
25
(21,548)
21,548
－
1,134
土地再評価差額金
の
取
崩
1,134
91
91
当第3四半期連結会計期間末
までの変動額(累計）合計
32,382
89,919
122,318
21,563
266,183
当第3四半期連結会計
期
間
末
残
高
117,495
148,493
456,283
(6)
722,265
(Note)
1. “Balance at the beginning of current period” is the balance of Joyo　(consolidated) at the beginning of the current fiacal year.
2. “Changes due to share exchange” is an increase by applying the purchase method with Joyo as the acquiring company and Meb
(former AHD) as the acquired company, which is the cost of acquisition of the acquired company.
3. Through the share exchange with Joyo on October 1, 2016, AHD's "Retained earnings" was transferred to Mebuki's
"Capital surplus". Therefore, 1,832 million yen of cash dividends, whose record date is September 30, 2016, and whose effective
date of distribution is on and after December 2, 2016, is recorded as "Cash dividends" of "Capital surplus".
－3－
5. Business Combination
The Business Integration of Ashikaga Holdings Co., Ltd. and the Joyo Bank, Ltd.
Ashikaga Holdings Co., Ltd. (hereinafter referred to as “AHD”) and the Joyo Bank, Ltd. (President:
Kazuyoshi Terakado; hereinafter referred to as “Joyo”) (together, the “Companies”), resolved to
consummate the business integration through a share exchange. At the same time, AHD, Joyo, and The
Ashikaga Bank, Ltd. (hereinafter referred to as “Ashikaga Bank”) entered into a business integration
agreement.
AHD conducted a share exchange which made AHD a wholly owing parent company and Joyo a wholly
owned subsidiary, and changed its trade name to "Mebuki Financial Group, Inc." on October 1, 2016 as the
effective date, after the approval for the share exchange by the ordinary general meeting of shareholders
of both of the Companies held on June 28, 2016, and the approval for the business integration has been
issued by the Financial Services Agency of Japan on September 29, 2016.
(1)Outline of the Business Combination
①Name and Business Content of the Acquired Company
Name of the Acquired Company　: AHD
: Bank holding company
Business content ②Main Reasons for the Business Combination
The new financial group established through the integration of the Companies will aim to maintain
and promote the relationships with customers and the deep understanding of the local communities
that Joyo and Ashikaga Bank have developed over the years, and to realize the advancement of
comprehensive financial services and operational efficiencies by taking advantage of the wide area
network and other connections formed through the Business Integration.
Through the above-mentioned efforts, the Companies will provide more convenient and high-quality
comprehensive financial services that can be achieved only through the integration of leading regional
banks. In addition, the Companies will aim to become a group that is highly evaluated by each
stakeholder through the achievement of persistent growth as a driving force of regional development
and revitalization, the improvement of corporate value in response to the expectations of shareholders
and markets, and the expansion of the opportunities for officers and employees to play an active part
and enhance their pride and enjoyment in their duties. Furthermore, the Companies will aim to
become a financial group that is open to other regional financial institutions who share the corporate
ideals with each other.
③Date of the Business Combination
October 1, 2016
④Legal Form of the Business Combination
Share exchange, under which AHD became the wholly owing parent company, and Joyo became the
wholly owned subsidiary.
⑤Name of the Company after the Business Combination
Mebuki Financial Group, Inc.
⑥Voting rights acquired
Voting right ratio before the share exchange
Acquired voting right ratio on the date of the business combination
Voting right ratio after the share exchange
0.39%
99.61%
100.00%
⑦Reason for determining the acquiring company
By applying “Accounting Standard for Business Combinations (ASBJ Statement No.21) and the
Guidance on Accounting Standard for Business Combinations and Accounting Standard for Business
Divestitures (ASBJ Guidance No.10), it is decided that Joyo be the acquiring company and AHD be the
acquired company, mainly because shareholders of Joyo, a wholly owned subsidiary, will have the
largest percentage of voting rights of the integrated company.
－4－
(2)Period of the business results of the acquired entity included in the consolidated financial statements
From October 1, 2016 to December 31, 2016
(3)Cost of the acquisition of the acquired company and breakdown of the consideration
Market value of AHD common shares held by Joyo immediately before
the date of the business combination
Market value of Joyo common shares as if to be issued by Joyo on
the date of the business combination
Cost of acquisition
￥464 million
￥122,998 million
￥123,463 million
(4)Exchange Ratio by type of shares and methods of calculating the share exchange ratio and number of
shares allotted
①Exchange Ratio by type of shares
Joyo shareholders receive 1.17　shares of Mebuki Financial Group, Inc. common stock for each
share of Joyo common stock.
②Methods of calculating the share exchange ratio
To ensure fairness of calculation of the share exchange ratio, Companies appointed third party
valuation institutions independent of both parties. Joyo has appointed Mitsubishi UFJ Morgan Stanley
Securities Co., Ltd. for its third party valuation and AHD has appointed Pricewaterhouse Coopers for
its third party valuation. Based on the analysis results, Companies have carefully consulted and
considered matters, and have reached the conclusion that the above common share exchange ratio is
appropriate for the business integration.
③Number of Shares Delivered
Common Shares 845,805,218 shares
(5) Amount of the difference between the total cost of each transaction and the acquisition cost of
the acquired company
Loss on step acquisitions ￥184 million
(6)Amount and cause of gain on negative goodwill
①Amount of gain on negative goodwill
￥119,219 million
②Cause of gain on negative goodwill
Gain on negative goodwill was recognized because the fair value of AHD's net assets at the time of
the business combination exceeded the acquision cost.
6. Significant Subsequent event
Not applicable.
－5－
Ⅱ 【Reference】Quartely Non-consolidated Financial Information of the main consolidated subsidiaries
1. Quarterly Non-consolidated Financial Information of The Joyo Bank, Ltd.
(1)Financial Highlights (from April 1, 2016 to December 31, 2016)
(%: Changes from the corresponding period of the previous fiscal year)
①Non-consolidated Operating Results
Ordinary Income
Third quarter
Ended December 31, 2016
Ended December 31, 2015
¥Million
108,916
102,420
Ordinary Profit
％
6.3
1.0
¥Million
33,978
32,737
②Non-consolidated Financial Conditions
Third quarter
Ended December 31, 2016
Fiscal year 2015
Total Assets
Net Assets
¥Million
¥Million
9,565,940
9,236,391
590,854
580,932
Net Income
％
3.7
4.8
¥Million
23,698
22,314
％
Capital Assets to
Total Assets
％
6.1
6.2
(Reference) Capital assets Third quarter of FY2016: ¥590,854million FY2015: ¥580,799 million
(Note) “Capital assets to total assets” represents (“Net assets”-“Equity warrants”) / “Total assets” at the end of each period.
The ratio above is not the one based on the regulation of Capital Adequacy Ratio.
－6－
6.2
8.2
（2) Non-consolidated Balance Sheet （The Joyo Bank, Ltd.)
Item
Assets
Cash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Asset for retirement benefits
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Reserve for devaluation of investment securities
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills sold
Payables under securities lending transactions
Trading liabilities
Borrowed money
Foreign Exchanges
Bonds
Bonds with warrant attached
Due to trust account
Other liabilities
Income tax payable
Lease obligations
Other liabilities
Provision for directors' bonuses
Liability for retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for contingent loss
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities
(Millions of yen）
As of Mar.31,
2016
(Japanese)
現
(資産の部)
金
預
け
コ
買
ー
入
ル
金
特
有
定
取
価
ロ
銭
金
ー
債
ン
権
引資
証
産
券
貸
外
そ
有
無
前
為
の
他
資
形固定資
形固定資
払年金費
金
替
産
産
産
用
支
貸
払承諾見
倒
引
当
返
金
出
国
投資損失引当
資産の部合
(負債の部)
預
譲
渡
性
預
金
計
金
金
コールマネー
債券貸借取引受入担保金
特定取引負債
借
用
金
外
国
為
替
社
債
新株予約権付社債
信
託
勘
定
借
そ
の
他
負
債
( 未払法人税等 )
( リース債務 )
( その他の負債 )
役員賞与引当金
退職給付引当金
睡眠預金払戻損失引当金
ポイント引当金
偶発損失引当金
繰延税金負債
再評価に係る繰延税金負債
支
払
承
諾
負債の部合計
－7－
As of Dec. 31,
2016
442,654
2,000
9,977
5,918
2,739,570
5,912,707
4,241
36,515
86,520
9,456
7,825
14,728
(35,715)
(9)
9,236,391
759,476
12,205
8,448
4,001
2,618,668
5,967,630
2,634
74,793
86,122
9,704
7,378
49,173
(34,286)
(9)
9,565,940
8,103,353
39,539
45,560
130,247
895
164,751
886
15,000
33,804
13
50,212
6,707
3,009
40,496
46
7,355
2,354
112
1,045
36,706
8,846
14,728
8,655,459
8,148,132
123,692
81,312
138,573
576
313,191
297
15,000
―
2
48,836
1,024
3,374
44,437
―
8,112
2,261
122
1,090
35,903
8,805
49,173
8,975,086
(Millions of yen）
Item
Net assets
Capital stock
Capital surplus
Legal capital surplus
Retained earnings
Legal retained earnings
Other retained earnings
Reserve for advanced depreciation of non-current assets
General Reserve
Retained earnings brought forward
Treasury stock
Total shareholders’ equity
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Land revaluation excess, net of taxes
Total valuation and translation adjustments
Equity warrants
Total net assets
Total liabilities and net assets
As of Mar.31,
2016
(Japanese)
(純資産の部)
資
本
資
本
剰
余
資
本
準
備
利
益
剰
余
利
益
準
備
その他利益剰余
金
金
金
金
金
金
(固定資産圧縮積立金)
( 別途積立金 )
( 繰越利益剰余金 )
自
己
株
式
株主資本合計
その他有価証券評価差額金
繰延ヘッジ損益
土地評価差額金
評価・換算差額等合計
新
株
予
約
権
純資産の部合計
負債及び純資産の部合計
(3)Non-Consolidated Statement of Income （The Joyo Bank, Ltd.)
Item
Ordinary income
Interest income
Interest on loans and bills discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other business expenses
General and administrative expenses
Other operating expenses
Ordinary profit
Extraordinary income
Extraordinary losses
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income
As of Dec. 31,
2016
(Japanese)
経
常
収
益
資金運用収益
( うち貸出金利息）
（うち有価証券利息配当金）
信
託
報
酬
役務取引等収益
特定取引収益
その他業務収益
その他経常収益
経
常
費
用
資金調達費用
（うち預金利息）
役務取引等費用
その他業務費用
営
業
経
費
その他経常費用
経
常
利
益
特
別
利
益
特
別
損
失
税引前四半期純利益
法人税、住民税及び事業税
法人税等調整額
法人税等合計
四半期純利益
－8－
85,113
58,574
58,574
315,717
55,317
260,400
904
217,432
42,064
(21,963)
437,441
134,985
(3,073)
11,445
143,357
132
580,932
9,236,391
85,113
58,574
58,574
307,518
55,317
252,201
891
222,432
28,878
―
451,205
128,868
(573)
11,354
139,648
―
590,854
9,565,940
(Millions of yen）
For the 9
months ended
Dec.31,2015
102,420
73,428
49,871
23,017
25
17,351
599
3,826
7,188
69,683
4,876
2,031
5,229
881
52,340
6,355
32,737
83
476
32,343
10,123
(93)
10,029
22,314
For the 9
months ended
Dec.31,2016
108,916
70,416
48,012
21,868
22
16,304
305
11,354
10,512
74,937
5,775
1,637
5,401
3,128
54,718
5,913
33,978
6
371
33,613
9,063
851
9,914
23,698
2. Quarterly Non-consolidated Financial Information of The Ashikaga Bank, Ltd.
(1)Financial Highlights (from April 1, 2016 to December 31, 2016)
(%: Changes from the corresponding period of the previous fiscal year)
①Non-consolidated Operating Results
Ordinary Income
Third quarter
Ended December 31, 2016
Ended December 31, 2015
¥Million
73,189
76,043
Ordinary Profit
％
(3.7)
8.8
¥Million
27,376
31,368
②Non-consolidated Financial Conditions
Third quarter
Ended December 31, 2016
Fiscal year 2015
Total Assets
Net Assets
¥Million
¥Million
6,543,374
6,098,844
317,365
311,924
％
(12.7)
28.7
Net Income
¥Million
23,310
22,153
％
Capital Assets to
Total Assets
％
4.8
5.1
(Reference) Capital assets Third quarter of FY2016: ¥317,365 million FY2015: ¥311,924 million
(Note) “Capital assets to total assets” represents (“Net assets”-“Equity warrants”) / “Total assets” at the end of each period.
The ratio above is not the one based on the regulation of Capital Adequacy Ratio.
－9－
5.2
23.1
（2) Non-consolidated Balance Sheet (The Ashikaga Bank, Ltd.)
Item
Assets
Cash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Asset for retirement benefits
Deferred tax Assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills sold
Payables under securities lending transactions
Borrowed money
Foreign Exchanges
Other liabilities
Income tax payable
Lease obligations
Asset retirement obligations
Other liabilities
Provision for directors' bonuses
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for contingent loss
Provision for point card certificates
Deferred tax liabilities
Acceptances and guarantees
Total liabilities
Net assets
Capital stock
Retained earnings
Legal retained earnings
Other retained earnings
Retained earnings brought forward
Total shareholders’ equity
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Total valuation and translation adjustments
Total net assets
Total liabilities and net assets
(Millions of yen）
As of Mar. 31,
2016
(Japanese)
現
金
(資産の部)
預
け
コ
買
ー
入
ル
金
商
有
品
有
価
ロ
銭
金
ー
債
ン
権
価証
証
券
券
貸
外
そ
有
無
前
繰
支
為
の
他
資
形固定資
形固定資
払年金費
延税金資
払承諾見
金
替
産
産
産
用
産
返
貸
資
倒
引
当
産の部合
金
計
出
国
As of Dec. 31,
2016
437,507
414
7,627
3,596
1,325,749
4,274,437
4,377
24,916
25,275
2,569
12,786
－
12,913
(33,328)
6,098,844
728,283
2,975
7,641
3,056
1,457,097
4,289,223
4,114
26,751
26,359
2,502
14,646
50
13,174
(32,504)
6,543,374
5,224,561
224,878
78,000
25,263
181,726
282
30,426
1,990
17
544
27,874
25
132
858
464
90
7,296
12,913
5,786,919
5,266,922
272,772
220,627
203,079
218,192
398
29,503
708
13
－
28,781
35
－
760
483
56
－
13,174
6,226,009
135,000
129,428
17,694
111,733
111,733
264,428
51,447
(3,951)
47,495
311,924
6,098,844
135,000
142,231
20,107
122,123
122,123
277,231
40,098
35
40,134
317,365
6,543,374
(負債の部)
預
金
譲
渡
性
預
金
コールマネー
債券貸借取引受入担保金
借
用
金
外
国
為
替
そ
の
他
負
債
( 未払法人税等 )
( リース債務 )
( 資産除去債務 )
( その他の負債 )
役員賞与引当金
役員退職慰労引当金
睡眠預金払戻損失引当金
偶発損失引当金
ポイント引当金
繰延税金負債
支
払
承
諾
負債の部合計
(純資産の部)
資
本
金
利
益
剰
余
金
利
益
準
備
金
その他利益剰余金
( 繰越利益剰余金 )
株主資本合計
その他有価証券評価差額金
繰延ヘッジ損益
評価・換算差額等合計
純資産の部合計
負債及び純資産の部合計
－ 10 －
(3)Non-Consolidated Statement of Income(The Ashikaga Bank, Ltd.)
Item
Ordinary income
Interest income
Interest on loans and discounts
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 business expenses
General and administrative expenses
Other operating expenses
Ordinary profit
Extraordinary losses
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income
(Millions of yen）
For the 9
months ended
Dec.31,2015
(Japanese)
経
資
金
常
運
収
用収
益
益
( うち貸出金利息）
（うち有価証券利息配当金）
役務取引等収益
その他業務収益
その他経常収益
経
常
費
用
資金調達費用
（うち預金利息）
役務取引等費用
その他業務費用
営
業
経
費
その他経常費用
経
常
利
益
特
別
損
失
税引前四半期純利益
法人税、住民税及び事業税
法人税等調整額
法人税等合計
四半期純利益
－ 11 －
76,043
54,819
40,421
13,684
15,667
1,183
4,372
44,675
2,617
1,667
4,740
65
35,398
1,854
31,368
124
31,244
8,009
1,080
9,090
22,153
For the 9
months ended
Dec.31,2016
73,189
53,476
38,515
14,570
14,696
1,460
3,556
45,813
2,325
903
5,063
281
34,698
3,443
27,376
68
27,308
6,808
(2,810)
3,998
23,310
Ⅲ Financial Data for the Third Quarter of Fiscal Year 2016 ending March 31, 2017
1. Income Status
【Mebuki Financial Group, Inc. (Consolidated basis) 】
(Millions of yen）
(Forecast)
FY2016
(Japanese)
Consolidated gross profit
Net interest income
Net fees and commissions
Net trading income
Net other business income
General and administrative expenses
Credit related costs
Write-off of loans
Transfer to specific allowance for loan losses
Transfer to general allowance for loan losses
Other credit related costs
Gains/losses related to stocks, etc.
Equity in gains (losses) of affiliated companies
Others
Ordinary profit
Extraordinary income(losses)
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income
Net income attributable to noncontrolling interests
Net income attributable to owners of the parent
連
結
資
役
特
そ
利
金
務
取
定
他
貸
引
業
利
利
務
利
経
関
出
益
等
業
信
益
利
引
取
の
営
与
粗
係
金
益
益
益
費
費
償
用
却
個別貸倒引当金繰入額
一般貸倒引当金繰入額
その他の与信関係費用
株
式
等
関
係
損
益
持分法による投資損益
そ
の
他
経
常
利
益
特
別
損
益
53,000
税金等調整前四半期純利益
法人税、住民税及び事業税
法
人
税
等
調
整
額
法
人
税
等
合
計
四
半
期
純
利
益
非支配株主に帰属する四半期純利益
親会社株主に帰属する四半期純利益
155,000
For the 9
months ended
Dec.31, 2016
(A)
(A)-(B)
106,965
80,834
17,259
1,301
7,570
67,932
3,553
2,309
3,133
(791)
(1,098)
7,109
－
229
42,818
118,645
161,464
12,430
(4,169)
8,261
153,202
28
153,174
For the 9
months ended
Dec.31 2015
(Reference)
FY2015
(B)
(Note) 1. Consolidated gross business profit=(Interest income－Interest expenses)+(Fees and commissions income+Trust Fee－Fees and commissions
expenses)+(Trading income－Trading expenses)+(Other business income－Other business expenses)
2. Mebuki Financial Group, Inc. (“Mebuki”) and The Joyo Bank, Ltd. (“Joyo”) executed the share exchange which made Mebuki a wholly-owning company and
Joyo a wholly-owned company on October 1, 2016. The share exchange corresponds to a reverse acquisition under the Accounting Standard for Business
Combination, and the purchase method under which Joyo is an acquiring company is applied to the transaction. Due to a gain on negative goodwill from the
business integration, 119 billion yen of extraordinary income is recognized. Consolidated financial results for the third quarter are composed of the
consolidated results of Joyo from April 1, 2016 to September 30, 2016 and of Mebuki from October 1, 2016 to December 31, 2016.
2. Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures of the
corresponding period and full-year figures of the previous fiscal year are not shown.
(注)
1．連結粗利益＝（資金運用収益－資金調達費用）＋（役務取引等収益＋信託報酬－役務取引等費用）＋（特定取引収益－特定取引費用）
＋（その他業務収益－その他業務費用）
2．平成28年10月1日付で、当社を株式交換完全親会社、株式会社常陽銀行を株式交換完全子会社とする株式交換を行いました。本株式交換は、企業結合会計上逆取得に該当
し、株式会社常陽銀行を取得企業とするパーチェス法の適用により、「負ののれん発生益」として1,192億円を特別利益に計上しております。なお、当社の第3四半期累計期間（平
成28年4月１日～平成28年12月31日）の業績は、株式会社常陽銀行の上期（平成28年4月1日～9月30日）6カ月分の連結業績に、株式交換後の当社グループの第3四半期（平成
28年10月１日～12月31日）3カ月分の連結業績を合算した金額となっております。
3．当社は、平成28年10月1日の経営統合により連続性がなくなったため、前年同期および前年度の計数は記載しておりません。
Reference
(Millions of yen）
For the 9 months
ended Dec.31, 2016
(Japanese)
Consolidated net business income
(before general allowance for loan losses)
Consolidated net business income
(A)
(A)-(B)
連結業務純益（一般貸引繰入前）
41,826
連
42,617
結
業
務
純
益
For the 9
months ended
Dec.31 2015
(Reference)
FY2015
(B)
(Note) 1. Consolidated net business income
= Consolidated gross profit － General and administrative expenses(excluding non-recurrent expense)－Transfer to general allowance for loan losses
2. Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures of the
corresponding period and full-year figures of the previous fiscal year are not shown.
（注）
1.連結業務純益＝連結粗利益－営業経費（除く臨時費用分）－一般貸倒引当金繰入額
2. 当社は、平成28年10月1日の経営統合により連続性がなくなたため、前年同期および前年度の計数は記載しておりません。
Number of Consolidated Companies
As of
Dec. 31, 2016
(Japanese)
Number of Consolidated Subsidiaries
Number of affiliated companies applicable
to the equity method
(A)
連
持
結
分
子
法
適
会
用
社
会
社
数
14
数
－
(A)-(B)
(Number of companies)
As of
Dec. 31, 2015
(B)
(Reference)
As of
Mar 31,2016
(Note) Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures at the end of
December 2015 and March 2016 are not shown.
(注）
当社は、平成28年10月1日の経営統合により連続性がなくなったため、平成27年12月末および平成28年3月末の計数は記載しておりません。
－ 12 －
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gross business profit
業
務
粗
利
益
Net interest income
資
Net fees and commissions
役
務
取
引
等
利
益
Net trading income
特
定
取
引
等
利
益
Net other business income
そ
の
他
業
務
利
益
(Of which, gains/losses on bond transactions)
(うち国債等債券損益(5勘定尻)
Expenses (excluding non-recurrent expense)
金
利
益
経費 ( 除く臨時処理分 )
Personnel expenses
人
件
費
Non-personnel expenses
物
件
費
Taxes
税
金
(A)
(A)-(B)
146,060
(2,431)
115,791
(4,963)
20,558
(2,516)
305
(293)
9,404
5,341
9,432
7,027
86,337
179
45,423
84
34,880
(779)
6,033
874
For the 9
months ended
Dec.31 2015
(Reference)
FY2015
(B)
148,492
120,754
23,075
599
4,063
2,404
86,158
45,338
35,660
5,159
195,881
157,971
30,427
767
6,714
8,493
115,303
60,327
48,440
6,536
Net business income
(before general allowance for loan losses)
業務純益(一般貸引繰入前)
59,723
(2,611)
62,334
80,577
(excluding gains/losses on bond transactions)
(除く国債等債券損益(5勘定尻))
Net transfer to general allowance for loan losses①
一般貸倒引当金繰入額①
Net business income
業
務
純
益
Net non-recurrent gains/losses
臨
時
損
益
(9,639)
(2,890)
278
(3,028)
3,503
(1,122)
4,283
54
53
(204)
(178)
(148)
2,619
(2,144)
(2,750)
84
(2,665)
(2,261)
(2,945)
(5,206)
2,540
59,930
317
62,017
2,088
3,490
2,931
1,891
5
15
204
1,749
600
7,040
(1,462)
64,105
(517)
63,587
18,133
986
19,119
44,468
72,083
(685)
81,262
1,304
5,207
4,811
3,486
18
(113)
1,284
2,318
606
7,261
(749)
82,567
(1,038)
81,529
23,001
(105)
22,895
58,633
613
3,807
4,522
Ordinary profit
経
常
利
益
Extraordinary income/losses
特
別
損
益
Income before income taxes
税引前四半期純利益
Income taxes-current
法人税、住民税及び事業税
Income taxes-deferred
法
Total income taxes
法
人
税
等
合
計
Net Income
四
半
期
純
利
益
50,291
(2,572)
62,295
(940)
6,993
1,808
6,175
59
68
－
1,571
452
9,660
(3,607)
61,355
(433)
60,922
15,871
(1,958)
13,913
47,009
Credit related costs (①＋②)
与信関係費用（ ① + ② ）
4,420
Disposal of non-performing loans②
不良債権処理額 ②
Write-off of loans
貸
Transfer to specific allowance for loan losses
個別貸倒引当金繰入額
Losses on sales of loans
貸
Transfer to provision for contingent losses
偶発損失引当金繰入額
Reversal of allowance for loan losses
貸倒引当金戻入益
Recoveries of written-off claims
償
Other
そ
出
出
却
金
金
債
償
売
権
却
却
損
取
立
益
の
他
Gains/losses related to stocks, etc.
株
式
等
関
係
損
益
Other non-recuurrent gains/losses
そ
の
他
臨
時
損
益
人
税
等
調
－ 13 －
整
額
【The Joyo Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gross business profit
業
務
粗
利
益
Net interest income
資
Net fees and commissions
役
務
取
引
等
利
益
Net trading income
特
定
取
引
等
利
益
Net other business income
そ
の
他
業
務
利
益
(Of which, gains/losses on bond transactions)
(うち国債等債券損益(5勘定尻)
Expenses (excluding non-recurrent expense)
金
利
益
経費 ( 除く臨時処理分 )
Personnel expenses
人
件
費
Non-personnel expenses
物
件
費
Taxes
税
金
(A)
(A)-(B)
84,098
(146)
64,640
(3,911)
10,925
(1,222)
305
(293)
8,226
5,281
8,942
7,391
51,667
415
26,262
17
21,904
(16)
3,499
414
For the 9
months ended
Dec.31 2015
(Reference)
FY2015
(B)
84,244
68,552
12,148
599
2,944
1,551
51,251
26,245
21,920
3,084
111,510
89,847
15,488
767
5,406
7,634
68,248
34,931
29,585
3,731
Net business income
(before general allowance for loan losses)
業務純益(一般貸引繰入前)
32,431
(561)
32,992
43,262
(excluding gains/losses on bond transactions)
(除く国債等債券損益(5勘定尻))
Net transfer to general allowance for loan losses①
一般貸倒引当金繰入額①
Net business income
業
務
純
益
Net non-recurrent gains/losses
臨
時
損
益
(7,953)
(1,291)
729
512
(46)
(1,115)
989
56
62
－
(108)
(148)
3,161
(2,695)
1,241
28
1,269
(1,060)
945
(115)
1,384
31,441
317
32,675
61
3,566
2,447
1,891
2
(13)
－
1,362
600
4,529
(901)
32,737
(393)
32,343
10,123
(93)
10,029
22,314
35,627
(685)
43,947
(1,230)
5,472
3,259
3,486
10
(81)
－
1,809
606
4,742
(501)
42,717
(654)
42,062
12,532
1,755
14,288
27,774
(1,337)
3,883
4,786
Ordinary profit
経
常
利
益
Extraordinary income/losses
特
別
損
益
Income before income taxes
税引前四半期純利益
Income taxes-current
法人税、住民税及び事業税
Income taxes-deferred
法
Total income taxes
法
人
税
等
合
計
Net Income
四
半
期
純
利
益
23,488
(973)
33,404
573
3,519
1,331
2,881
59
49
－
1,254
452
7,690
(3,597)
33,978
(364)
33,613
9,063
851
9,914
23,698
Credit related costs (①＋②)
与信関係費用（ ① + ② ）
2,545
Disposal of non-performing loans②
不良債権処理額 ②
Write-off of loans
貸
Transfer to specific allowance for loan losses
個別貸倒引当金繰入額
Losses on sales of loans
貸
Transfer to provision for contingent losses
偶発損失引当金繰入額
Reversal of allowance for loan losses
貸倒引当金戻入益
Recoveries of written-off claims
償
Other
そ
出
出
却
金
金
債
償
売
権
却
却
損
取
立
益
の
他
Gains/losses related to stocks, etc.
株
式
等
関
係
損
益
Other non-recuurrent gains/losses
そ
の
他
臨
時
損
益
人
税
等
調
－ 14 －
整
額
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gross business profit
業
務
粗
利
益
Net interest income
資
Net fees and commissions
役
Net trading income
特
定
取
引
Net other business income
そ
の
他
業
(Of which, gains/losses on bond transactions)
(うち国債等債券損益(5勘定尻)
Expenses (excluding non-recurrent expense)
金
務
取
利
引
益
等
利
益
等
利
益
務
利
益
経費 ( 除く臨時処理分 )
Personnel expenses
人
件
費
Non-personnel expenses
物
件
費
Taxes
税
金
(A)
(A)-(B)
61,962
(2,285)
51,150
(1,051)
9,633
(1,294)
－
－
1,178
60
489
(363)
34,670
(236)
19,160
67
12,975
(763)
2,533
459
For the 9
months ended
Dec.31 2015
(Reference)
FY2015
(B)
64,248
52,202
10,927
－
1,118
853
34,906
19,093
13,739
2,074
84,370
68,124
14,939
－
1,307
859
47,055
25,396
18,854
2,804
Net business income
(before general allowance for loan losses)
業務純益(一般貸引繰入前)
27,292
(2,049)
29,341
37,315
(excluding gains/losses on bond transactions)
(除く国債等債券損益(5勘定尻))
Net transfer to general allowance for loan losses①
一般貸倒引当金繰入額①
Net business income
業
務
純
益
Net non-recurrent gains/losses
臨
時
損
益
(1,685)
(1,599)
(450)
(3,540)
3,550
(7)
3,294
(2)
(9)
(204)
(70)
－
(541)
551
(3,991)
55
(3,935)
(1,200)
(3,890)
(5,091)
1,156
28,488
－
29,341
2,026
(76)
484
－
2
29
204
387
－
2,511
(560)
31,368
(124)
31,244
8,009
1,080
9,090
22,153
36,455
－
37,315
2,535
(264)
1,552
－
7
(31)
1,284
508
－
2,519
(248)
39,850
(383)
39,466
10,468
(1,861)
8,607
30,859
1,951
(76)
(264)
Ordinary profit
経
常
利
益
Extraordinary income/losses
特
別
損
益
Income before income taxes
税引前四半期純利益
Income taxes-current
法人税、住民税及び事業税
Income taxes-deferred
法
Total income taxes
法
人
税
等
合
計
Net Income
四
半
期
純
利
益
26,802
(1,599)
28,891
(1,514)
3,473
476
3,294
0
19
－
317
－
1,969
(9)
27,376
(68)
27,308
6,808
(2,810)
3,998
23,310
Credit related costs (①＋②)
与信関係費用（ ① + ② ）
1,874
Disposal of non-performing loans②
不良債権処理額 ②
Write-off of loans
貸
Transfer to specific allowance for loan losses
個別貸倒引当金繰入額
Losses on sales of loans
貸
Transfer to provision for contingent losses
偶発損失引当金繰入額
Reversal of allowance for loan losses
貸倒引当金戻入益
Recoveries of written-off claims
償
Other
そ
出
出
却
金
金
債
償
売
権
却
却
損
取
立
益
の
他
Gains/losses related to stocks, etc.
株
式
等
関
係
損
益
Other non-recuurrent gains/losses
そ
の
他
臨
時
損
益
人
税
等
調
－ 15 －
整
額
2. Interest Rate Spread (Domestic operations)
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
(％）
For the 9
months ended
Dec.31, 2016
(Japanese)
Average yield on interest earning assets ①
資
金
運
用
利
回
Average yield on loans and bills discounted
貸
Average yield on securities
有
価
証
券
利
回
資
金
調
達
原
価
Average yield on interest bearing liabilities ②
Average yield on deposits and negotiable certificates of deposit
預
Average yield on call money and borrowed money
外
Average interest rate spread (①－②)
総
出
金
金
部
利
等
負
資
利
債
金
利
利
回
回
回
鞘
【The Joyo Bank, Ltd. (Non-consolidated basis)】
資
金
運
用
利
回
Average yield on loans and bills discounted
貸
Average yield on securities
有
価
証
券
利
回
資
金
調
達
原
価
Average yield on interest bearing liabilities ②
Average yield on deposits and negotiable certificates of deposit
預
Average yield on call money and borrowed money
外
Average interest rate spread (①－②)
総
出
金
金
部
利
等
負
資
利
債
金
利
利
回
回
回
鞘
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
資
金
運
貸
Average yield on securities
有
価
証
資
金
調
Average yield on deposits and negotiable certificates of deposit
預
Average yield on call money and borrowed money
外
Average interest rate spread (①－②)
総
(A)-(B)
(0.07)
(0.09)
(0.09)
(0.06)
(0.02)
(0.10)
(0.01)
(B)
1.13
1.21
1.26
0.87
0.03
0.10
0.26
(％）
For the 9
months ended
Dec.31 2015
(B)
1.07
1.15
1.09
0.88
0.02
0.10
0.19
(％）
Average yield on loans and bills discounted
Average yield on interest bearing liabilities ②
(A)
1.00
1.06
1.00
0.82
0.00
0.00
0.18
For the 9
months ended
Dec.31, 2016
(Japanese)
Average yield on interest earning assets ①
(A)-(B)
(0.07)
(0.09)
(0.12)
(0.06)
(0.02)
(0.10)
(0.01)
For the 9
months ended
Dec.31, 2016
(Japanese)
Average yield on interest earning assets ①
(A)
1.06
1.12
1.14
0.81
0.01
0.00
0.25
For the 9
months ended
Dec.31 2015
出
金
金
部
資
用
利
券
達
等
負
利
金
－ 16 －
回
利
回
原
価
利
債
回
利
利
回
回
鞘
(A)
1.14
1.20
1.42
0.78
0.02
0.00
0.36
(A)-(B)
(0.07)
(0.09)
(0.23)
(0.07)
(0.02)
(0.09)
0.00
For the 9
months ended
Dec.31 2015
(B)
1.21
1.29
1.65
0.85
0.04
0.09
0.36
3. Gains and Losses on Securities
(1) Gains and losses on bond transactions
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gains/losses on bond transactions
Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Write-offs
国債等債券損益
売
却
益
償
還
益
売
却
損
償
還
損
償
却
(A)
9,432
11,473
48
2,089
－
－
(A)-(B)
7,027
8,283
(89)
1,207
－
(41)
For the 9
months ended
Dec.31 2015
(B)
2,404
3,189
137
881
－
41
【The Joyo Bank, Ltd. (Non-consolidated basis)】
Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Write-offs
国債等債券損益
売
却
益
償
還
益
売
却
損
償
還
損
償
却
(A)
8,942
10,702
48
1,807
－
－
(A)-(B)
7,391
8,407
(89)
925
－
－
For the 9
months ended
Dec.31 2015
(B)
1,551
2,294
137
881
－
－
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Write-offs
(Reference
)
FY2015
7,634
8,376
139
881
－
－
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gains/losses on bond transactions
8,493
9,271
139
881
－
36
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gains/losses on bond transactions
(Reference
)
FY2015
(A)
国債等債券損益
売
却
益
償
還
益
売
却
損
償
還
損
償
却
489
771
－
281
－
－
(A)-(B)
(363)
(123)
－
281
－
(41)
(Reference
)
FY2015
For the 9
months ended
Dec.31 2015
(B)
853
894
－
0
－
41
859
895
－
0
－
36
(2)Gains and losses related to stocks, etc.
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gains/losses related to stocks, etc.
Gains on sales
Losses on sales
Write-offs
株式等関係損益
売
却
益
売
却
損
償
却
【The Joyo Bank, Ltd. (Non-consolidated basis)】
株式等関係損益
売
却
益
売
却
損
償
却
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(B)
7,040
8,741
1,691
8
7,261
8,980
1,691
26
(A)-(B)
3,161
3,376
156
58
For the 9
months ended
Dec.31 2015
(B)
4,529
5,240
711
－
(Reference
)
FY2015
4,742
5,471
711
17
(Millions of yen）
株式等関係損益
売
却
益
売
却
損
償
(A)
7,690
8,617
868
58
For the 9
months ended
Dec.31, 2016
(Japanese)
Gains/losses related to stocks, etc.
Gains on sales
Losses on sales
Write-offs
(A)-(B)
2,619
2,782
99
63
(Reference
)
FY2015
(Millions of yen）
For the 9
months ended
Dec.31, 2016
(Japanese)
Gains/losses related to stocks, etc.
Gains on sales
Losses on sales
Write-offs
(A)
9,660
11,523
1,791
71
For the 9
months ended
Dec.31 2015
却
－ 17 －
(A)
1,969
2,906
923
13
(A)-(B)
(541)
(593)
(57)
5
For the 9
months ended
Dec.31 2015
(B)
2,511
3,500
980
8
(Reference
)
FY2015
2,519
3,508
980
8
4． Unrealized Valuation Gains (Losses)
【Mebuki Financial Group, Inc. (Consolidated basis) 】
Carrying
Ammount
Held-to-maturity
Bonds
Others
Available-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others
満期保有目的
債
券
そ
の
他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他
132,970
132,970
－
3,914,278
305,838
2,240,540
1,367,899
4,047,249
305,838
2,373,511
1,367,899
(Millions of yen）
As of Dec.31, 2016
Unrealized valuation gains (losses)
Valuation
(A)
(A-B)
gains
(497)
431
(497)
431
－
－
183,937
217,303
145,464
145,971
25,213
29,535
13,259
41,796
183,440
217,735
145,464
145,971
24,716
29,967
13,259
41,796
Carrying
Valuation
Ammount
losses
929
929
－
33,366
506
4,321
28,537
34,295
506
5,251
28,537
As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation
(B)
gains
losses
(Note) 1. "Available-for-sale" is valued at market price.Consequentry, figures in the above table show the differences between the acquisition cost and the balance sheet
amount.
2. In addition to securities, figures in the above include the trsut beneficial rights recognized as "Monetary claims bought".
3. Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1, 2016, figures as of
September 30, 2016 are not shown.
(注)
１．「その他有価証券」については時価評価しておりますので、上記の表上は、貸借対照表計上額と取得価額との差額を計上しております。
２．「有価証券」のほか、「買入金銭債権」中の信託受益権も含めております。
３．当社は、平成28年10月1日の経営統合により連続性がなくなったため、平成28年9月末の計数は記載しておりません。
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
Carrying
Ammount
Held-to-maturity
Bonds
Others
Available-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others
満期保有目的
債
券
そ
の
他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他
117,266
117,266
－
3,914,125
305,685
2,240,540
1,367,899
4,031,392
305,685
2,357,807
1,367,899
(Millions of yen）
As of Dec.31, 2016
Unrealized valuation gains (losses)
Valuation
(A)
(A-B)
gains
12,938
(1,361)
12,966
12,938
(1,342)
12,966
(18)
－
－
239,309
22,734
266,839
169,135
46,465
169,641
48,607
(15,097)
49,848
21,565
(8,632)
47,348
252,247
21,373
279,806
169,135
46,465
169,641
61,546
(16,440)
62,815
21,565
(8,651)
47,348
Carrying
Valuation
Ammount
losses
28
128,035
28
114,035
－
14,000
27,530 3,689,588
505
261,882
1,241 2,246,813
25,783 1,180,892
27,558 3,817,624
505
261,882
1,269 2,360,849
25,783 1,194,892
【The Joyo Bank, Ltd. (Non-consolidated basis)】
Carrying
Ammount
Held-to-maturity
Bonds
Others
Available-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others
満期保有目的
債
券
そ
の
他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他
41,447
41,447
－
2,565,610
256,299
1,561,343
747,967
2,607,058
256,299
1,602,790
747,967
(Millions of yen）
As of Dec.31, 2016
Unrealized valuation gains (losses)
Valuation
(A)
(A-B)
gains
407
(137)
410
407
(137)
410
－
－
－
183,755
24,157
200,394
137,062
39,071
137,557
27,974
(11,261)
28,928
18,719
(3,652)
33,907
184,163
24,019
200,804
137,062
39,071
137,557
28,382
(11,399)
29,339
18,719
(3,652)
33,907
38,226
38,226
－
2,479,982
219,890
1,586,545
673,546
2,518,209
219,890
1,624,772
673,546
As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation
(B)
gains
losses
544
547
2
544
547
2
－
－
－
159,598
168,485
8,887
97,990
99,554
1,564
39,236
39,468
232
22,371
29,461
7,090
160,143
169,033
8,889
97,990
99,554
1,564
39,781
40,016
235
22,371
29,461
7,090
Carrying
Valuation
Ammount
losses
25
89,808
25
75,808
－
14,000
10,891 1,209,605
10
41,991
287
660,267
10,594
507,345
10,916 1,299,414
10
41,991
312
736,076
10,594
521,345
As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation
(B)
gains
losses
13,755
13,767
12
13,736
13,746
9
18
21
2
56,975
63,765
6,789
24,680
24,846
165
24,468
24,781
313
7,826
14,137
6,310
70,731
77,533
6,802
24,680
24,846
165
38,204
38,527
322
7,845
14,159
6,313
Valuation
losses
3
3
－
16,638
495
953
15,188
16,641
495
956
15,188
Carrying
Ammount
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Carrying
Ammount
Held-to-maturity
Bonds
Others
Available-for-sale
Stocks
Bonds
Others
Total
Stocks
Bonds
Others
満期保有目的
債
券
そ
の
他
その他有価証券
株
式
債
券
そ
の
他
合
計
株
式
債
券
そ
の
他
75,819
75,819
－
1,348,514
49,385
679,197
619,931
1,424,333
49,385
755,017
619,931
As of Sep.30, 2016
Unrealized valuation gains (losses)
Valuation
Valuation
(B)
gains
losses
14,300
14,315
15
14,281
14,293
12
18
21
2
216,574
232,251
15,676
122,670
124,401
1,730
63,704
64,250
545
30,198
43,599
13,401
230,874
246,566
15,692
122,670
124,401
1,730
77,986
78,544
558
30,217
43,621
13,403
(Millions of yen）
As of Dec.31, 2016
Unrealized valuation gains (losses)
Valuation
(A)
(A-B)
gains
12,531
(1,224)
12,556
12,531
(1,205)
12,556
－
(18)
－
55,553
(1,422)
66,444
32,073
7,393
32,084
20,632
(3,835)
20,920
2,846
(4,980)
13,440
68,084
(2,646)
79,001
32,073
7,393
32,084
33,164
(5,040)
33,476
2,846
(4,999)
13,440
－ 18 －
5. Disclosed Claims under the Financial Revitalization Law
【Mebuki Financial Group, Inc. (Consolidated basis) 】
(Japanese)
Bankrupt and substantially
bankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total
Ratio of disclosed claims towards
the balance of Loans
(Millions of yen）
As of Dec.31, 2016
(A)
破産更生債権及び
これらに準ずる債権
危
険
債
権
権
②
貸出金等残高に
占める比率 ① / ②
1.90%
正
合
管
理
計
常
債
債
計
権
①
(A-C)
As of Mar.31,
2016(B)
2016(C)
13,086
142,319
41,399
196,805
10,119,700
10,316,505
要
小
(A-B)
As of Sep.30,
(Note) Since the financial results have substantially changed compared with those of FY2015 due to the business combination on Octber 1,2016,
figures as of September 30, 2016 and March 31, 2016 are not shown.
(注）当社は、平成28年10月1日の経営統合により連続性がなくなったため、平成28年9月末および平成28年3月末の計数は記載しておりません。
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
As of Dec.31, 2016
(Japanese)
Bankrupt and substantially
bankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total
Ratio of disclosed claims towards
the balance of Loans
(A)
破産更生債権及び
これらに準ずる債権
危
険
債
権
要
管
理
債
権
(A-C)
2016(B)
(1,370)
796
13,175
11,008
142,187
41,398
5,347
(1,839)
1,145
(5,060)
136,840
43,237
141,042
46,459
2,137
108,239
110,377
(3,118)
126,028
122,909
193,253
10,132,397
10,325,651
198,509
10,114,609
10,313,119
貸出金等残高に
占める比率 ① / ②
1.87%
0.00%
(0.05%)
1.87%
1.92%
債
計
破産更生債権及び
これらに準ずる債権
危
険
債
権
要
小
正
合
管
理
計
(A-B)
As of Sep.30,
(A-C)
2016(B)
As of Mar.31,
2016(C)
6,641
(448)
608
7,089
6,032
72,093
25,383
104,118
744
(686)
(390)
(2,795)
(735)
(2,921)
71,349
26,069
104,508
74,889
26,118
107,040
権
①
権
②
5,955,367
6,059,485
80,374
79,983
102,911
99,989
5,874,993
5,979,501
5,852,455
5,959,495
貸出金等残高に
占める比率 ① / ②
1.71%
(0.03%)
(0.08%)
1.74%
1.79%
常
債
(Millions of yen）
As of Dec.31, 2016
(A)
債
計
(Millions of yen）
As of Dec.31, 2016
(Japanese)
Ratio of disclosed claims towards
the balance of Loans
2016(C)
11,805
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Bankrupt and substantially
bankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total
As of Mar.31,
195,391
10,240,637
10,436,028
計
常
(Japanese)
Ratio of disclosed claims towards
the balance of Loans
(A-B)
①
権
②
小
正
合
【The Joyo Bank, Ltd. (Non-consolidated basis)】
Bankrupt and substantially
bankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total
(Millions of yen）
As of Sep.30,
(A)
破産更生債権及び
これらに準ずる債権
危
険
債
権
(A-B)
As of Sep.30,
(A-C)
2016(B)
As of Mar.31,
2016(C)
5,163
(921)
188
6,085
4,975
権
①
権
②
70,093
16,015
91,272
4,285,270
4,376,543
4,602
(1,152)
2,527
27,865
30,393
3,940
(4,325)
(196)
23,116
22,919
65,491
17,168
88,744
4,257,404
4,346,149
66,152
20,340
91,469
4,262,153
4,353,623
貸出金等残高に
占める比率 ① / ②
2.08%
0.04%
(0.02%)
2.04%
2.10%
要
小
正
合
管
理
計
常
債
債
計
－ 19 －
6. Loans
(1) Term-end balance / Average balance
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
Loans and bills discounted (Term-end balance)
Corporate
Individual　customers
Public sector
Loans and bills discounted (Average balance)
As of Dec.31, 2016
(Japanese)
(A)
(A-B)
貸出金（末残） 10,256,854
68,244
法
人
4,846,845
72,996
個
人
4,193,330
50,002
国及び地方公共団体
1,216,678
(54,754)
貸出金（平残） 10,177,889
23,936
【The Joyo Bank, Ltd. (Non-consolidated basis)】
Loans and bills discounted (Term-end balance)
As of Dec.31, 2016
(Japanese)
(A)
(A-B)
貸出金（末残）
5,967,630
39,694
As of Sep.30,
(A-C)
2016 (B)
69,708
10,188,610
33,676
4,773,848
167,660
4,143,327
(Millions of yen）
As of Mar.31,
2016 (C)
10,187,145
4,813,169
4,025,669
As of Sep.30,
(A-C)
2016 (B)
54,922
5,927,935
(Millions of yen）
As of Mar.31,
2016 (C)
5,912,707
(131,626)
196,550
1,271,433
10,153,953
1,348,305
9,981,339
Corporate
法
人
2,838,116
40,704
9,484
2,797,412
2,828,632
Individual　customers
個
人
2,337,798
27,512
97,207
2,310,286
2,240,591
Public sector
国及び地方公共団体
791,715
(28,521)
(51,768)
820,237
843,484
貸出金（平残）
5,950,745
16,141
142,473
5,934,603
5,808,271
As of Sep.30,
(A-C)
2016 (B)
14,786
4,260,674
24,191
70,452
(79,857)
54,076
1,976,436
1,833,041
451,196
4,219,349
(Millions of yen）
As of Mar.31,
2016 (C)
4,274,437
(A-C)
176,097
167,178
115,659
51,519
8,918
214,368
As of Sep.30,
2016 (B)
3,947,692
3,825,039
2,975,141
849,898
122,652
7,133,088
(Millions of yen）
As of Mar.31,
2016 (C)
3,825,427
3,709,542
2,895,474
814,068
115,885
7,014,519
As of Sep.30,
(A-C)
2016 (B)
106,240
2,205,490
103,952
2,134,374
58,952
1,450,747
(Millions of yen）
As of Mar.31,
2016 (C)
2,130,951
2,062,014
1,410,941
Loans and bills discounted (Average balance)
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Loans and bills discounted (Term-end balance)
Corporate
Individual　customers
Public sector
Loans and bills discounted (Average balance)
As of Dec.31, 2016
(Japanese)
(A)
(A-B)
貸出金（末残）
4,289,223
28,549
法
人
2,008,729
32,292
個
人
1,855,531
22,489
国及び地方公共団体
424,963
(26,232)
貸出金（平残）
4,227,144
7,795
(2) Consumer loans / Loans to SMEs
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
(Japanese)
Consumer loans
Housing-related loans
Housing loans
Apartment loans
Other loans
Loans to SME and Indivisual customers (SMEs)
Ratio of loans to SMEs
消費者ローン残高
住宅関連ローン残高
住宅ローン残高
アパートローン残高
その他ローン残高
中小企業等貸出金残高
中小企業等貸出比率
As of Dec.31, 2016
(A)
(A-B)
4,001,525
53,833
3,876,721
51,681
3,011,133
35,992
865,587
15,689
124,804
2,151
7,228,888
95,799
70.47%
0.46%
【The Joyo Bank, Ltd. (Non-consolidated basis)】
Consumer loans
Housing-related loans
Housing loans
Apartment loans
Other loans
Loans to SME and Indivisual customers (SMEs)
Ratio of loans to SMEs
As of Dec.31, 2016
(Japanese)
(A)
(A-B)
消費者ローン残高
2,237,192
31,701
住宅関連ローン残高
2,165,967
31,592
住宅ローン残高
1,469,894
19,146
アパートローン残高
696,072
12,445
その他ローン残高
71,225
109
中小企業等貸出金残高
3,926,968
49,817
中小企業等貸出比率
65.80%
0.40%
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Japanese)
Consumer loans
Housing-related loans
Housing loans
Apartment loans
Other loans
Loans to SME and Indivisual customers (SMEs)
Ratio of loans to SMEs
消費者ローン残高
住宅関連ローン残高
住宅ローン残高
アパートローン残高
その他ローン残高
中小企業等貸出金残高
中小企業等貸出比率
As of Dec.31, 2016
(A)
(A-B)
1,764,332
22,131
1,710,754
20,089
1,541,239
16,845
169,514
3,244
53,578
2,041
3,301,919
45,981
76.98%
0.57%
－ 20 －
1.62%
45,000
70.01%
683,627
1,984,537
1,785,078
504,821
4,173,068
68.85%
651,072
2,287
118,429
1.39%
71,116
3,877,150
65.4%
68,937
3,808,538
64.4%
(A-C)
69,856
63,225
56,706
6,519
6,630
95,938
1.98%
As of Sep.30,
2016 (B)
1,742,201
1,690,664
1,524,394
166,270
51,536
3,255,938
76.41%
(Millions of yen）
As of Mar.31,
2016 (C)
1,694,476
1,647,528
1,484,533
162,995
46,947
3,205,981
75.00%
7. Deposits
【Total (The Joyo Bank, Ltd. +The Ashikaga Bank, Ltd.)】
(Japanese)
Deposits (Term-end balance)
(Millions of yen）
As of Dec.31, 2016
(A)
(A-B)
(A-C)
As of Sep.30,
As of Mar.31,
2016 (B)
2016 (C)
預金（末残）
13,415,055
271,270
87,141
13,143,785
Of which, individual customers うち個人預金
9,829,050
252,264
326,342
9,576,786
13,327,914
9,502,707
Of which, corporate
うち法人預金
2,934,120
65,675
80,899
2,868,444
2,853,220
Of which, public sector
うち公金預金
534,427
(27,169)
(270,009)
561,596
804,437
Deposits (Average balance)
預金（平残）
13,212,251
1,794
335,067
13,210,456
12,877,183
Negotiable certificates of deposit
(Term-end balance)
譲渡性預金（末残）
396,464
(2,431)
132,046
398,896
264,418
【The Joyo Bank, Ltd. (Non-consolidated basis)】
(Japanese)
Deposits (Term-end balance)
(Millions of yen）
As of Dec.31, 2016
(A)
(A-B)
(A-C)
As of Sep.30,
As of Mar.31,
2016 (B)
2016 (C)
預金（末残）
8,148,132
175,024
44,779
7,973,108
8,103,353
Of which, individual customers うち個人預金
6,110,584
150,270
203,657
5,960,314
5,906,926
Of which, corporate
うち法人預金
1,648,311
69,187
29,287
1,579,123
1,619,023
Of which, public sector
うち公金預金
300,530
(34,614)
(157,644)
335,144
458,175
Deposits (Average balance)
預金（平残）
8,050,450
(9,531)
216,279
8,059,982
7,834,170
Negotiable certificates of deposit
(Term-end balance)
譲渡性預金（末残）
123,692
9,521
84,152
114,171
39,539
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Japanese)
Deposits (Term-end balance)
(Millions of yen）
As of Dec.31, 2016
(A)
(A-B)
(A-C)
As of Sep.30,
As of Mar.31,
2016 (B)
2016 (C)
預金（末残）
5,266,922
96,245
42,361
5,170,677
5,224,561
Of which, individual customers うち個人預金
3,718,466
101,994
122,685
3,616,472
3,595,781
Of which, corporate
うち法人預金
1,285,809
(3,512)
51,612
1,289,321
1,234,197
Of which, public sector
うち公金預金
233,897
7,445
(112,365)
226,452
346,262
Deposits (Average balance)
預金（平残）
5,161,800
11,325
118,787
5,150,474
5,043,012
Negotiable certificates of deposit
(Term-end balance)
譲渡性預金（末残）
272,772
(11,953)
47,893
284,725
224,878
－ 21 －

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