February 6, 2015 Ashikaga Holdings Co.,Ltd. Financial Results for the Third Quarter of Fiscal Year 2014, ending March 31, 2015 Stock Exchange Listing: URL: Representative: For Inquiry: Filing date of Financial Statements: Tokyo (code: 7167) http://www.ashikaga-hd.co.jp/ Masanao Matsushita, President and Chief Executive Officer Kiyoshi Kato, Executive Officer and General Manager of Corporate Planning Dept. February 12, 2015 (scheduled) (Japanese yen amounts of less than 1 million and the first decimal place have been rounded down.) 1. Financial Highlights (from April 1, 2014 to December 31, 2014) (%: Changes from previous fiscal year) (1)Consolidated Operating Results Ordinary Income Ordinary Profit Net Income ％ ％ ％ ¥Million ¥Million ¥Million Third quarter 73,054 (11.6) 19,323 (18.0) 12,328 (45.4) Ended December 31, 2014 82,685 10.6 23,588 39.9 22,603 61.2 Ended December 31, 2013 (Note) Comprehensive Income Third quarter of FY2014: ¥34,300 million [53.0%] Third quarter Ended December 31, 2014 Ended December 31, 2013 Third quarter of FY2013: ¥22,415 million [70.8%] Net Income per Net Income per Share Share (Diluted) ¥ 36.99 79.78 ¥ ― ― (Note) 1. On October 19, 2013, the Company split its common stock at a ratio of 100 shares to one common share. Therefore, net income per share has been calculated assuming that the stock split was made at the beginning of the year ended March 31,2014. 2. Since net income available to common shareholders does not decrease as a result of dilution, diluted net income per share ended December 31, 2014 is not shown. Listed on the First Section of the Tokyo Stock Exchange on December 19, 2013, diluted net income per share is calculated by deeming the average closing price in the period from the listing to the end of third quarter as the average market price for the first nine months o FY2013. As a result of dilution, net income available to common shareholders does not decrease , so diluted net income per share for the third quarter, ended December 31, 2013, is not shown. (2)Consolidated Financial Conditions Total Assets Net Assets ¥Million ¥Million Third quarter Ended December 31, 2014 Fiscal year 2013 5,945,379 5,612,355 Capital Assets to Total Assets ％ 277,458 241,135 4.6 4.2 (Reference) Capital assets Third quarter of FY2014: ¥277,458million Fiscal year 2013: ¥241,135 million (Note) 1.“Capital assets to total assets” represents (“Net assets”-“Subscription rights to shares”-“Minority interests”)/ “Total assets” at fiscal year-end. 2. Cash Dividends for Shareholders Fiscal year Ended March 31, 2014 Ending March 31, 2015 Ending March 31, 2015(Forecast) Cash Dividends per Share End of 1Q End of 2Q End of 3Q End of FY Annual ¥ ¥ ¥ ¥ ¥ ― ― 0.00 4.50 ― ― 4.00 4.00 4.50 (Note) Revisions of released cash dividend forecasts : No 9.00 3. Consolidated Earnings Forecasts for Fiscal year 2014, ending March 31, 2015 (%: Changes from corresponding period of previous fiscal year) Net Income Ordinary Income Ordinary Profit Fiscal Year Ending March 3１, 2015 ¥Million 96,000 ％ (11.1) ¥Million (Note) Revisions of released consolidated earnings forecasts : No 21,000 ％ (25.7) ¥Million 17,000 ％ (30.0) Net Income per Share ¥ 51.01 *Notes (1) Material changes in consolidated subsidiaries during the period (changes in specific subsidiaries accompanied by changes in scope of consolidation): No (2) Changes in accounting principles, accounting estimates and restatement ① Changes in accounting principles in accordance with changes in accounting standard, etc.: Yes ② Other changes in accounting principles: No ③ Changes in accounting estimates: No ④ Restatement: No (3) Number of issued shares (common stock) ① Number of issued shares (including treasury stock): December 31, 2014 333,250,000 shares March 31, 2014 333,250,000 shares ② Number of treasury stock: December 31, 2014 ― shares March 31, 2014 ― shares ③ Average number of shares: For the nine months ended December 31, 2014 333,250,000shares For the nine months ended December 31, 2013 272,800,000shares (Note) The company split its common stock at a ratio of 100 shares to one common share on October 19, 2013, but the total shares in issue are calculated assuming that the split had occurred at the beginning of the fiscal year ended March 31, 2014. Statement relating to the status of the audit procedures Even though this quarterly report is not subject to the audit procedures, which are based on the Financial Instruments and Exchange Law, the audit procedures are finished at the time of release of these financial statements. Explanation for proper use of forecasts and other notes The above forecasts are based on information, which is presently available and certain assumptions which are considered to be reasonable. Actual results may differ from those forecasts depending on various future factors. Financial Results for the Third Quarter of Fiscal Year 2014, Ending March 31, 2015 --------------------------------- 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・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 3 4. Note for Material Changes in Shareholders' Equity・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 3 Ⅱ Financial Data for the Third Quarter of Fiscal Year 2014 ending March 31, 2015 1. Income Status 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】・・・・・・・・・・・・・・・・・・・・ 4 2. Income Status 【Ashikaga Holdings Co., Ltd (Consolidated basis)】・・・・・・・・・・・・・・・・・・・・・・ 4 3. Gains and Losses on Securities・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 5 4. Disclosed Claims under the Financial Revitalization Law・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 5 5. Capital Adequacy Ratio (Domestic Standard) ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 5 6. Unrealized Valuation Gains (Losses) on Other Securities (available-for-sale securities)・・・ 6 7. Status of Loans, Deposits and Assets under custody・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 7 Ⅰ Quarterly Consolidated Financial Information 1. Quarterly Consolidated Balance Sheet 【Ashikaga Holdings Co., Ltd.】 (Millions of yen） Item (Japanese) 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 Provision for directors' bonuses Liabilities for retirement benefits 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 Capital surplus Retained earnings Total shareholders’ equity Unrealized gains on available-for-sale securities Deferred gains (losses) on hedges Defined retirement benefit plan Total accumulated other comprehensive income Total equity Total liabilities and equity (Note) Figures are rounded down to the nearest million. (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 商 品 有 価 証 券 有 価 証 券 貸 出 金 外 国 為 替 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 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 借 用 金 外 国 為 替 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 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 資 本 剰 余 金 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 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 純 資 産 の 部 合 計 負債及び純資産の部合計 －1－ As of March 31, As of December 2014 31, 2014 344,369 1,520 8,180 4,266 1,176,469 3,958,083 5,969 20,307 23,378 93,141 3,357 2,027 15,333 (44,051) 5,612,355 346,560 145,548 7,891 4,176 1,222,656 4,090,139 7,182 26,433 23,844 87,569 9,606 129 15,148 (41,507) 5,945,379 4,943,137 171,040 6,175 5,965 180,644 763 43,022 48 2,779 189 1,606 424 88 － 15,333 5,371,220 5,031,710 264,290 15,786 84,159 192,590 427 51,257 36 － 244 765 450 74 10,979 15,148 5,667,920 117,495 29,025 75,375 221,896 20,230 (30) (960) 19,239 241,135 5,612,355 117,495 29,025 89,726 236,247 42,538 (790) (536) 41,211 277,458 5,945,379 2. Quarterly Consolidated Statement of Income and Consolidated Statements of Comprehensive Income 【Ashikaga Holdings Co., Ltd.】 (1)Quarterly Consolidated Statement of Income Item (Millions of yen） (Japanese) 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 income Gains on disposal of non-current assets Extraordinary losses Losses on disposal of non-current assets Impairment loss Extra retirement payments Income before income taxes and minority interests Income taxes-current Income taxes-deferred Total income taxes Income before minority interests Net income 経 常 収 益 資 金 運 用 収 益 貸 出 金 利 息 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 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 特 別 損 失 固 定 資 産 処 分 損 減 損 損 失 割 増 退 職 金 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 少数株主損益調整前当期純利益 四 半 期 純 利 益 For the nine months ended Dec.31,2013 82,685 52,688 43,427 8,898 15,704 3,250 11,041 59,096 3,623 1,916 4,400 1,428 43,526 6,119 23,588 0 0 281 21 16 243 23,307 1,946 (1,242) 704 22,603 22,603 For the nine months ended Dec.31,2014 73,054 53,506 42,883 10,085 16,373 1,093 2,080 53,730 3,648 1,774 4,680 84 42,718 2,598 5,654 16 16 19 19 － － 19,320 8,675 (1,682) 6,992 12,328 12,328 (Note) Figures are rounded down to the nearest million. (2)Quarterly Consolidated Statement of Comprehensive Income Item (Japanese) Income before minority interests Other comprehensive income Unrealized gains on available-for-sale securities Deferred gains (losses) on hedges Defined retirement benefit plan Comprehensive income 少数株主損益調整前四半期純利益 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 Comprehensive income attributable to owners of the parent 親会社株主に係る四半期包括利益 Comprehensive income attributable to minority interests 少数株主に係る四半期包括利益 (Note) Figures are rounded down to the nearest million. －2－ (Millions of yen） For the nine months ended Dec.31,2013 22,603 (188) (649) 460 － 22,415 22,415 － For the nine months ended Dec.31,2014 12,328 21,972 22,308 (759) 423 34,300 34,300 － 3. Note for the Assumption of Going Concern Not applicable. 4. Note for Material Changes in Shareholders' Equity (Millions of yen） Shareholders’ equity Capital stock Capital surplus Retained earnings Total shareholders’ equity 株主資本 資本 剰余金 資本金 利益 剰余金 株主資本 合計 Balance at the beginning of current period 当 高 117,495 29,025 75,375 221,896 Cumulative effect of an accounting changes 会計方針の変更による累積 的 影 響 額 － － 4,855 4,855 Balance at the beginning of current period reflected accounting changes 会計方針の変更を反映した 当 期 首 残 高 117,495 29,025 80,230 226,751 Changes of items during the period 当第3四半期連結会計期間 末までの変動額（累計） 期 残 Cash dividends 剰 配 の 当 － － (2,832) (2,832) Net income 四半期純利益（累計） － － 12,328 12,328 Total changes of items during current 当第3四半期連結会計期間 末までの変動額（累計）合計 period － － 9,495 9,495 当第3四半期連結会計期間 末 残 高 117,495 29,025 89,726 236,247 Balance at the end of current period 余 首 金 －3－ Ⅱ Financial Data for the Third Quarter of Fiscal Year 2014 ending March 31, 2015 1. Income Status 【The Ashikaga Bank, Ltd. (Non-consolidated basis) 】 (Millions of yen） 3rd quarter of FY2014 (Japanese) Gross business profit Net interest income Net fees and commissions Net other business income ( Gains (losses) on bonds ) Expenses Personnel expenses Non-personnel expenses Taxes Core net business income 業 務 資 粗 金 利 利 益 益 役 務 取 引 等 利 益 そ の 他 業 務 利 益 (うち国債等債券損益) 経費(除く臨時処理分) 人 件 費 物 件 費 税 Net business income (before general allowance for loan losses) 金 コ ア 業 務 純 益 実 質 業 務 純 益 Net transfer to general allowance for loan losses ① 一 般 貸 倒 引 当 金 繰 入 額 ① Net business income (after general allowance for loan losses) Net non-recurrent gains (losses) Gains (losses) on stocks 業 務 純 益 臨 時 損 益 う ち 株 式 関 係 損 益 Disposal of non-performing loans ② う ち 不 良 債 権 処 理 額 ② Reversal of allowance for loan losses ③ う ち 貸 倒 引 当 金 戻 入 益 ③ Recoveries of written-off claims ④ うち償却債権取立益④ Ordinary profit 経 常 利 益 Extraordinary income(loss) 特 別 損 益 Income before income taxes 税引前四半期（当期）純利益 Income taxes-current 法人税、 住民税及び事業税 Income taxes-deferred 法 人 税 等 調 整 額 Net Income 四半 期（ 当期 ） 純 利益 Credit related costs (①＋②－③－④) (A) 60,645 49,055 10,711 878 486 36,211 19,375 14,911 1,924 23,947 24,434 － 24,434 (75) 462 1,318 59 471 24,358 0 24,358 8,325 (1,957) 17,990 (A)-(B) 311 793 322 (804) (887) (694) (259) (439) 4 1,892 1,005 (1,876) 2,881 (7,452) (9,390) (1,941) 59 (796) (4,571) 296 (4,274) 6,768 (505) (10,537) 787 (3,080) 与信関係費用 （①＋②-③-④） 3rd quarter (Reference) of FY2013 FY2013 (B) 60,334 48,261 10,389 1,682 1,373 36,905 19,634 15,350 1,919 22,055 23,429 1,876 21,553 7,376 9,852 3,260 － 1,267 28,929 (296) 28,633 1,556 (1,451) 28,528 79,990 63,858 14,348 1,783 1,379 48,978 26,672 20,114 2,191 29,631 31,011 3,697 27,314 8,110 12,333 5,330 － 1,623 35,425 (423) 35,002 2,158 663 32,180 3,868 7,404 (Note) Core net business income = Net business income (before general allowances for loan losses) －Gains (losses) on bonds 2. Income Status 【Ashikaga Holdings Co., Ltd. (Consolidated basis) 】 (Millions of yen） 3rd quarter of FY2014 (Japanese) Consolidated gross profit Net interest income Net fees and commissions Net other business income General and administrative expenses Write-off and reserve expenses of loans Reversal of allowance for loan losses Recovery of written off claims Gains (losses) on stocks Others Ordinary profit Extraordinary income(losses) Income before income taxes Income taxes-current Income taxes-deferred Income before minority interests Net Income 連 資 結 粗 金 利 利 益 益 役 務 取 引 等 利 益 そ の 他 業 務 利 益 営 業 経 費 ① 貸 倒 償 却 引 当 費 用 ① ② 貸 倒 引 当 金 戻 入 益 ② ③ 償 却 債 権 取 立 益 ③ 株 式 等 関 係 損 益 そ の 他 経 常 利 益 特 別 損 益 税金等調整前四半期（当期）純利益 法人税、 住民税及び事業税 法 人 税 等 調 整 額 少数株主損益調整前四半期（当期）純利益 四半 期（ 当期 ） 純 利益 (A) 62,560 49,858 11,693 1,009 42,718 2,347 － 475 462 890 19,323 (3) 19,320 8,675 (1,682) 12,328 12,328 (A)-(B) 367 792 389 (813) (807) (3,356) － (798) (8,753) 754 (4,264) 277 (3,987) 6,728 (440) (10,275) (10,275) 3rd quarter (Forecast) (Reference) of FY2013 FY2014 FY2013 (B) 62,192 49,065 11,304 1,822 43,526 5,703 － 1,273 9,215 136 23,588 (280) 23,307 1,946 (1,242) 22,603 22,603 (Note) Consolidated gross business profit=(Interest income－Interest expenses)+(Fees and commissions income－Fees and commissions expenses)+(Trading income－Trading expenses)+(Other business income－Other business expenses) (注) 21,000 17,000 82,366 64,832 15,558 1,975 57,547 9,492 － 1,631 11,179 133 28,271 (349) 27,921 2,708 898 24,314 24,314 連結粗利益＝（資金運用収益－資金調達費用）＋（役務取引等収益－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） Credit related costs (①－②－③) 与信関係費用 （①-②-③） －4－ 1,871 (2,558) 4,430 7,860 3. Gains and Losses on Securities 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Millions of yen） 3rd quarter of FY2014 (Japanese) Gains (losses) on bonds（Government bonds, etc.） Gains on sales Gains on redemption Losses on sales Losses on redemption Write-offs Gains (losses) on stocks, etc. Gains on sales Losses on sales Write-offs (A) 国債等債券損益（5 勘定尻） 売 却 益 償 還 益 売 却 損 償 還 損 償 却 株式等損益（3勘定尻） 売 却 益 売 却 損 償 却 486 486 － 0 － － (A)-(B) (887) (2,213) － (1,326) － － 462 505 － 43 (9,390) (9,437) (89) 42 3rd quarter (Reference) of FY2013 FY2013 (B) 1,373 2,699 － 1,326 － － 1,379 2,706 － 1,326 － － 9,852 9,942 89 0 12,333 12,424 89 0 4. Disclosed Claims under the Financial Revitalization Law 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Billions of yen） As of Dec. 31, 2014 (Japanese) Bankrupt and substantially bankrupt claims Doubtful claims Claims requiring supervision Subtotal (A) Normal claims Total (B) Ratio of disclosed claims under the Financial Revitalization Law (A)÷(B) (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 小 計 (A) 正常債権 合 計 (B) 金融再生法開示債権比率 （A)÷(B) 6.5 73.2 21.1 100.8 4,098.6 4,199.5 (A-B) (1.8) 1.5 (3.6) (3.9) 83.3 79.4 2.40% (0.14%) As of Sept. 30, 2014 (B) 8.3 71.6 24.8 104.8 4,015.2 4,120.1 2.54% 5. Capital Adequacy Ratio (Domestic Standard) (Billions of yen） 【Ashikaga Holdings Co., Ltd.(Consolidated basis)】 As of Dec. 31, 2014 (Japanese) Capital adequacy ratio ( ③÷④ ) Basic Core capital ① Adjustment Core capital ② Capital ③ ( ①－② ) Total risk weighted assets ④ Minimum capital requirements ( ④×4％) 自 己 資 コ ア 資 本 に コ ア 資 本 に 自 己 資 リ ス ク ・ ア 総 所 要 自 係 係 セ 己 本 比 る 基 礎 る 調 整 本 の ッ ト 等 資 本 率 項 目 項 目 額 の 額 の 額 【The Ashikaga Bank, Ltd.(Non-Consolidated basis)】 (A-B) (0.16%) 3.8 (1.5) 5.4 112.2 4.4 (B) 8.82% 332.0 85.2 246.7 2,796.5 111.8 (Billions of yen） As of Dec. 31, 2014 (Japanese) Capital adequacy ratio ( ③÷④ ) Basic Core capital ① Adjustment Core capital ② Capital ③ ( ①－② ) Total risk weighted assets ④ Minimum capital requirements ( ④×4％) (A) 8.66% 335.9 83.7 252.1 2,908.8 116.3 As of Sept. 30, 2014 自 己 資 コ ア 資 本 に コ ア 資 本 に 自 己 資 リ ス ク ・ ア 総 所 要 自 係 係 セ 己 本 比 る 基 礎 る 調 整 本 の ッ ト 等 資 本 －5－ 率 項 目 項 目 額 の 額 の 額 (A) 8.93% 262.9 － 262.9 2,944.5 117.7 (A-B) (0.14%) 5.9 － 5.9 112.1 4.4 As of Sept. 30, 2014 (B) 9.07% 257.0 － 257.0 2,832.4 113.2 6. Unrealized Valuation Gains (Losses) on Other Securities (available-for-sale securities) 【Ashikaga Holdings Co., Ltd. (Consolidated basis)】 (Billions of yen） As of Dec. 31, 2014 As of Sept. 30, 2014 Unrealized valuation gains Unrealized valuation gains Book Book (losses) (losses) value value Gains Losses Gains Losses Other Securities (available-for-sale) Stocks Bonds Others その他有価証券 株式 債券 その他 1,123.6 63.8 65.6 1.7 53.8 797.2 272.5 31.9 32.7 19.1 19.3 12.8 13.5 1,103.3 41.5 43.0 1.5 0.8 46.3 24.4 25.4 1.0 0.1 823.7 11.2 11.4 0.2 0.7 233.2 5.8 6.1 0.3 8.7 8.7 － (Note) Unrealized valuation gains (losses) are the difference between book value and the acquisition cost. Held-to-maturity 満期保有目的 96.7 10.7 10.7 － 97.7 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】 (Billions of yen） As of Dec. 31, 2014 As of Sept. 30, 2014 Unrealized valuation gains Unrealized valuation gains Book Book (losses) (losses) value value Gains Losses Gains Losses Other Securities (available-for-sale) Stocks Bonds Others その他有価証券 株式 債券 その他 1,123.5 67.4 68.4 0.9 53.7 797.2 272.5 35.5 35.5 19.1 19.3 12.8 13.5 1,103.2 45.1 45.7 0.5 0.0 46.2 28.0 28.0 0.0 0.1 823.7 11.2 11.4 0.2 0.7 233.2 5.8 6.1 0.3 (Note) Unrealized valuation gains (losses) are the difference between book value and the acquisition cost. Unrealized valuation gains (losses) on held-to-maturity securities are same amount as Ashikaga Holdings Co.,Ltd.(consolidated basis). －6－ 7. Status of Loans, Deposits and Assets under custody 【The Ashikaga Bank, Ltd. (Non-consolidated basis) 】 (1) Outstanding Balance of loans (Billions of yen） As of Dec. 31, 2014 (Japanese) Loans (Term-end balance) Government / Local government Consumer loans Housing loans Other loans 貸 出 金 （ 末 残 ） う ち 国 ・ 地 公 体 向 け う ち 消 費 者 ロ ー ン 住 宅 ロ ー ン そ の 他 ロ ー ン (A) 4,134.1 490.8 1,548.7 1,512.5 36.1 (A-B) 201.5 18.7 129.1 124.7 4.3 As of Dec. 31, As of Sept. 2013 30, 2014 (B) 3,932.5 472.0 1,419.5 1,387.8 31.7 (2) Loans to small-and-medium-sized enterprises (Billions of yen） As of Dec. 31, 2014 (Japanese) Loans to small and medium-sized enterprises (Term-end balance) Ratio of small and medium-sized enterprises loans 4,057.7 480.4 1,515.7 1,480.9 34.7 (A) (A-B) As of Dec. 31, As of Sept. 2013 30, 2014 (B) 中小企業等貸出金（末残） 2,987.0 188.7 2,798.2 2,927.4 中小企業等貸出金比率（％） 72.25% 1.10% 71.15% 72.14% (3) Outstanding Balance of Deposits (Billions of yen） As of Dec. 31, 2014 (Japanese) Deposits (Term-end balance) Individual customers Corporate Public sector Negotiable Certificate of Deposit 預 （ 末 う ち 金 個 人 預 残 金 ） う ち 法 人 預 金 う ち 地 公 体 預 金 譲 渡 性 預 金 (A) 5,051.3 3,608.3 1,184.6 222.2 319.2 (A-B) 152.4 125.6 31.2 (0.8) 45.3 As of Dec. 31, As of Sept. 2013 30, 2014 (B) 4,898.8 3,482.6 1,153.3 223.1 273.9 4,916.8 3,475.1 1,169.8 228.8 274.8 (4) Outstanding Balance of Assets under custody (Billions of yen） As of Dec. 31, 2014 (Japanese) Assets under custody Investment trusts Public bonds Insurance ※ 個 人 預 り 資 産 投 資 信 託 債券（約定ベース） 保 険 ※ (A) 702.5 319.0 102.8 280.7 (A-B) 8.6 46.5 (50.2) 12.4 As of Dec. 31, As of Sept. 2013 30, 2014 (Note) Insurance = personal annuity insurance + whole life insurance + educational endowment insurance －7－ (B) 693.9 272.5 153.1 268.3 710.0 304.1 125.8 279.9
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