February, 2 2016
Ashikaga Holdings Co.,Ltd.
Financial Results for the Third Quarter of Fiscal Year 2015, ending March 31, 2016
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
Kazuyuki Shimizu, Executive Officer and General Manager of Corporate Planning Dept.
February 10, 2016 (scheduled)
(Japanese yen amounts of less than 1 million and the first decimal place have been rounded down.)
1. Financial Highlights (from April 1, 2015 to December 31, 2015)
(1)Consolidated Operating Results
Ordinary Income
Third quarter
Ended December 31, 2015
Ended December 31, 2014
(Note) Comprehensive Income
78,210
73,054
¥Million
7.0
(11.6)
22,817
19,323
Third quarter of FY2015: ¥11,440 million [-66.6%]
Third quarter
Ended December 31, 2015
Ended December 31, 2014
Net Income Attributable to
Owners of Parent
Ordinary Profit
％
¥Million
(%: Changes from previous fiscal year)
％
¥Million
18.0
(18.0)
14,500
12,328
％
17.6
(45.4)
Third quarter of FY2014: ¥34,300 million [53.0%]
Net Income per Net Income per
Share
Share (Diluted)
¥
43.51
36.99
¥
―
―
(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 2014 and current fiscal year 2015, is not shown.
(2)Consolidated Financial Conditions
Total Assets
Net Assets
¥Million
¥Million
Third quarter
Ended December 31, 2015
Fiscal year 2014
6,219,821
5,864,239
Capital Assets to
Total Assets
％
295,229
287,121
4.7
4.8
(Reference) Capital assets Third quarter of FY2015: ¥295,229million Fiscal year 2014: ¥287,121 million
(Note) “Capital assets to total assets” represents (“Net assets”-“Subscription rights to shares”-“Non-controlling interests”) / “Total
assets” at fiscal year-end. The ratio above is not based on the regulation of Capital Adequacy Ratio.
2. Cash Dividends for Shareholders
Fiscal year
Ended March 31, 2015
Ending March 31, 2016
Ending March 31, 2016(Forecast)
Cash Dividends per Share
End of 1Q
End of 2Q
End of 3Q
End of FY
Annual
¥
¥
¥
¥
¥
―
―
4.50
5.50
―
―
4.50
9.00
4.50
10.00
(Note) Revisions of released cash dividend forecasts : No
Cash dividends (forecast) at the end of second quarter of FY2015 include a commemorative cash dividend ￥1.00 per share for
120-year anniversary of a wholly owned subsidiary, The Ashikaga Bank, Ltd.
3. Consolidated Earnings Forecasts for Fiscal year 2015, ending March 31, 2016
(%: Changes from corresponding period of previous fiscal year)
Ordinary Income
Fiscal Year
Ending March 3１, 2016
¥Million
100,000
％
3.3
Ordinary Profit
¥Million
(Note) Revisions of released consolidated earnings forecasts : No
28,000
％
32.9
Net Income Attributable to
Net Income per Share
Owners of Parent
¥Million
21,000
％
22.9
¥
63.01
*Notes
(1) Material changes in consolidated subsidiaries during the period (changes in specific subsidiaries
accompanied by changes in scope of consolidation): No
(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.: Yes
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, 2015 333,250,000 shares
March 31, 2015
333,250,000 shares
② Number of treasury stock:
December 31, 2015
―　shares
March 31, 2015
―　shares
③ Average number of shares:
For the nine months ended December 31, 2015
333,250,000 shares
For the nine months ended December 31, 2014
333,250,000 shares
（Reference）　Earnings forecast of subsidiary bank, The Ashikaga Bank, Ltd.(non-consolidated)
(1) Earnings forecast for fiscal year ending March 31, 2016
Fiscal Year ended
Mar.31,2015 (A)
Core gross business profit
Expenses
Core net business income
Ordinary profit
Net income
80.1
48.0
32.0
29.7
19.7
(Note) Revisions of previous earnings forecasts : No
¥Billion
Fiscal Year ending
Mar.31,2016 (B)
Forecast
82.5
47.5
35.0
38.0
30.0
Change
(B)－(A)
2.4
(0.5)
3.0
8.3
10.3
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 not 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 2015, Ending March 31, 2016
-------------------------------------- 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・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・
2
Ⅱ Financial Data for the Third Quarter of Fiscal Year 2015 ending March 31, 2016
1. Income Status 【Ashikaga Holdings Co., Ltd (Consolidated basis)】・・・・・・・・・・・・・・・・・・・・・・ 3
2. Income Status 【The Ashikaga Bank, Ltd. (Non-consolidated basis)】・・・・・・・・・・・・・・・・・・・・
3
3. Gains and Losses on Securities・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 4
4. Disclosed Claims under the Financial Revitalization Law・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 4
5. Capital Adequacy Ratio (Domestic Standard) ・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・
4
6. Unrealized Valuation Gains (Losses) on Other Securities (available-for-sale securities)・・・ 5
7. Status of Loans, Deposits and Assets under custody・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 6
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
Payables under securities lending transactions
Borrowed money
Foreign Exchanges
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
Capital surplus
Retained earnings
Total shareholders’ equity
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Defined retirement benefit plans
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
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
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,
2015
As of Dec. 31,
2015
365,322
1,644
7,727
4,164
1,207,938
4,150,466
5,837
23,938
24,291
85,754
13,884
604
16,566
(43,901)
5,864,239
577,965
77,972
8,601
3,604
1,236,835
4,187,240
4,517
32,369
24,434
80,119
15,689
604
14,243
(44,375)
6,219,821
5,071,110
197,379
2,473
232,546
365
49,169
54
262
803
495
115
5,774
16,566
5,577,117
5,130,662
306,168
198,213
221,929
229
43,228
39
310
705
524
92
8,242
14,243
5,924,591
117,495
29,025
94,474
240,994
44,704
(650)
2,072
46,126
287,121
5,864,239
117,495
29,025
105,641
252,162
41,512
(835)
2,389
43,066
295,229
6,219,821
2. Quarterly Consolidated Statement of Income and Consolidated Statement of
Comprehensive Income 【Ashikaga Holdings Co., Ltd.】
(1)Quarterly Consolidated Statement of Income
(Millions of yen）
Item
(Japanese)
Ordinary income
Interest income
Interest on loans and discounted
Interest and dividends on securities
Fees and commissions
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other 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 fixed assets
Losses on reduction of fixed assets
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income
Net income attributable to owners of parent
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
固 定 資 産 圧 縮 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
親会社株主に帰属する四半期純利益
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
19,323
16
16
19
19
－
19,320
8,675
(1,682)
6,992
12,328
12,328
For the nine
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
(Note) Figures are rounded down to the nearest million.
(2)Quarterly Consolidated Statement of Comprehensive Income
Item
(Japanese)
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 parent
Comprehensive income attributable to
non-controlling interests
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
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.
4. Note for Material Changes in Shareholders' Equity
Not applicable.
－2－
(Millions of yen）
For the nine
months ended
Dec.31,2014
12,328
21,972
22,308
(759)
423
34,300
34,300
－
For the nine
months ended
Dec.31,2015
14,500
(3,059)
(3,192)
(185)
317
11,440
11,440
－
Ⅱ Financial Data for the Third Quarter of Fiscal Year 2015 ending March 31, 2016
1. Income Status 【Ashikaga Holdings Co., Ltd. (Consolidated basis) 】
(Millions of yen）
3rd quarter
of FY2015
(Japanese)
法 人 税 等 調 整 額
(A)
65,783
52,786
11,764
1,232
41,307
4,244
－
397
2,292
(104)
22,817
(124)
22,692
4,439
3,753
Net income
四半 期（ 当期 ） 純 利益
14,500
2,171
12,328
Net Income attributable to owners of parent
親会社株主に帰属する四半期（当
期）純利益
14,500
2,171
12,328
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
Recoveries of written-off claims
連
結
資
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
Gains (losses) on stocks
Others
Ordinary profit
Extraordinary income(losses)
Income before income taxes
Income taxes-current
Income taxes-deferred
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
(A)-(B)
3,222
2,928
70
223
(1,410)
1,897
－
(77)
1,830
(995)
3,493
(120)
3,372
(4,235)
5,435
3rd quarter
(Reference)
(Forecast)
of FY2014
FY2014
FY2015
(B)
62,560
49,858
11,693
1,009
42,718
2,347
－
475
462
890
19,323
(3)
19,320
8,675
(1,682)
28,000
82,889
65,978
15,783
1,128
56,636
6,656
－
707
(409)
1,169
21,064
(15)
21,048
10,592
(6,620)
17,076
21,000
17,076
(Note) Consolidated gross business profit = (Interest income－Interest expenses) + (Fees and commissions income－Fees and commissions expenses)
+ (Other business income－Other business expenses)
(注) 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）＋（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）
3,846
1,975
1,871
2. Income Status 【The Ashikaga Bank, Ltd. (Non-consolidated basis) 】
3rd quarter
of FY2015
(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
Net business income (before general allowance for loan losses)
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
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)
与信関係費用 （①＋②-③-④）
5,949
(Millions of yen）
(A)
64,248
52,202
10,927
1,118
853
34,906
19,093
13,739
2,074
28,488
29,341
－
29,341
2,026
2,511
515
204
387
31,368
(124)
31,244
8,009
1,080
22,153
(A)-(B)
3,603
3,147
215
240
366
(1,304)
(281)
(1,172)
149
4,540
4,907
－
4,907
2,102
2,048
(802)
144
(83)
7,009
(124)
6,885
(315)
3,037
4,162
(76)
(864)
3rd quarter
(Reference)
(Forecast)
of FY2014
FY2014
FY2015
(B)
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
38,000
30,000
787
(Note) Core net business income = Net business income (before general allowances for loan losses) －Gains (losses) on bonds
－3－
80,598
65,084
14,560
952
486
48,046
26,005
19,698
2,342
32,065
32,551
(2,265)
34,816
(5,046)
(409)
5,649
－
701
29,770
(12)
29,757
10,192
(224)
19,789
2,683
3. Gains and Losses on Securities
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
3rd quarter
of FY2015
(Japanese)
Gains (losses) on bonds（Government bonds, etc.）
(A)
Gains on sales
売
却
益
Gains on redemption
償
還
益
Losses on sales
売
却
損
Losses on redemption
償
還
損
Write-offs
償
Gains (losses) on stocks, etc.
853
894
－
0
－
41
国債等債券損益（5 勘定尻）
却
2,511
3,500
980
8
株式等損益（3勘定尻）
Gains on sales
売
却
益
Losses on sales
売
却
損
Write-offs
償
却
(A)-(B)
366
407
－
(0)
－
41
2,048
2,994
980
(34)
3rd quarter (Reference)
of FY2014
FY2014
(B)
486
486
－
0
－
－
486
486
－
0
－
－
462
505
－
43
(409)
505
871
43
4. Disclosed Claims under the Financial Revitalization Law
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Billions of yen）
As of Dec. 31,
2015
(Japanese)
(A)
Bankrupt and substantially bankrupt claims
破産更生債権及びこれらに準ずる債権
Doubtful claims
危険債権
Claims requiring supervision
要管理債権
Subtotal (A)
小　計　(A)
Normal claims
正常債権
Total　(B)
合　計　(B)
Ratio of disclosed claims under the Financial
Revitalization Law (A)÷(B)
8.0
69.1
19.1
96.3
4,205.5
4,301.8
2.23%
金融再生法開示債権比率　（A)÷(B)
As of Sept.
30, 2015
(A-B)
(B)
2.7
(2.9)
1.5
1.3
25.3
26.7
5.3
72.0
17.5
94.9
4,180.1
4,275.0
0.01%
2.22%
5. Capital Adequacy Ratio (Domestic Standard)
(Billions of yen）
【Ashikaga Holdings Co., Ltd.(Consolidated basis)】
As of Dec. 31,
2015
(Japanese)
(A)
Capital adequacy ratio　( ③÷④ )
自
Basic Core capital　①
コ ア 資 本 に 係 る 基 礎 項 目
Adjustment Core capital　②
コ ア 資 本 に 係 る 調 整 項 目
Capital ③　( ①－② )
自
Total risk weighted assets ④
リ ス ク ・ ア セ ッ ト 等 の 額
Minimum capital requirements ( ④×4％)
総
己
己
所
要
資
本
資
自
本
己
資
比
率
の
本
額
の
額
【The Ashikaga Bank, Ltd.(Non-Consolidated basis)】
(A-B)
(0.03%)
3.5
(1.5)
5.1
69.4
2.7
(B)
8.67%
338.2
81.8
256.3
2,953.9
118.1
(Billions of yen）
As of Dec. 31,
2015
(Japanese)
(A)
Capital adequacy ratio　( ③÷④ )
自
Basic Core capital　①
コ ア 資 本 に 係 る 基 礎 項 目
Adjustment Core capital　②
コ ア 資 本 に 係 る 調 整 項 目
Capital ③　( ①－② )
自
Total risk weighted assets ④
リ ス ク ・ ア セ ッ ト 等 の 額
Minimum capital requirements ( ④×4％)
総
己
己
所
8.64%
341.7
80.2
261.4
3,023.3
120.9
As of Sept.
30, 2015
要
資
本
資
自
本
己
－4－
資
比
率
の
本
額
の
額
8.89%
272.7
2.0
270.7
3,042.9
121.7
(A-B)
(0.03%)
5.1
0.0
5.1
68.1
2.7
As of Sept.
30, 2015
(B)
8.92%
267.5
2.0
265.5
2,974.7
118.9
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, 2015
As of Sept. 30, 2015
Unrealized valuation gains
Unrealized valuation gains
Book
Book
(losses)
(losses)
value
value
Gains Losses
Gains Losses
Other Securities
(available-for-sale)
その他有価証券
1,138.8
59.3
62.6
3.2
1,056.5
48.8
52.5
3.7
Stocks
株式
54.7
33.5
33.8
0.3
48.8
27.7
28.3
0.5
Bonds
債券
739.6
17.7
18.1
0.3
710.6
13.9
14.4
0.5
Others
その他
344.4
8.0
10.6
2.5
296.9
7.1
9.8
2.6
満期保有目的
95.7
10.8
10.8
－
95.7
10.0
10.0
－
Held-to-maturity
(Note) Unrealized valuation gains (losses) are the difference between book value and the acquisition cost.
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Billions of yen）
As of Dec. 31, 2015
As of Sept. 30, 2015
Unrealized valuation gains
Unrealized valuation gains
Book
Book
(losses)
(losses)
value
value
Gains Losses
Gains Losses
Other Securities
(available-for-sale)
その他有価証券
1,138.7
62.7
65.7
2.9
1,056.4
52.2
55.4
3.2
Stocks
株式
54.6
36.9
36.9
0.0
48.8
31.1
31.2
0.0
Bonds
債券
739.6
17.7
18.1
0.3
710.6
13.9
14.4
0.5
Others
その他
344.4
8.0
10.6
2.5
296.9
7.1
9.8
2.6
(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).
－5－
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,
2015
(Japanese)
Loans (Term-end balance)
Government / Local government
Consumer loans
Housing loans
Other loans
(A)
4,226.2
461.9
1,666.5
1,621.9
44.6
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-B)
92.1
(28.8)
117.8
109.3
8.5
(2) Loans to small-and-medium-sized enterprises
4,134.1
490.8
1,548.7
1,512.5
36.1
4,204.5
479.8
1,640.9
1,597.9
42.9
(Billions of yen）
As of Dec. 31,
2015
(Japanese)
Loans to small and medium-sized
enterprises (Term-end balance)
Ratio of small and medium-sized
enterprises loans
As of Dec. 31, (Reference)
2014
As of Sept.
30, 2015
(B)
(A)
(A-B)
As of Dec. 31, (Reference)
2014
As of Sept.
30, 2015
(B)
中小企業等貸出金（末残）
3,168.8
181.8
2,987.0
3,121.5
中小企業等貸出金比率（％）
74.97%
2.72%
72.25%
74.24%
(3) Outstanding Balance of Deposits
(Billions of yen）
As of Dec. 31,
2015
(Japanese)
Deposits (Term-end balance)
Individual
Corporate
Public sector
Negotiable Certificate of Deposit
預
金
（
末
残
(A)
5,143.4
3,653.0
1,235.3
220.6
361.1
）
う
ち
個
人
預
金
う
ち
法
人
預
金
う ち 地 公 体 預 金
譲
渡
性
預
金
(A-B)
92.1
44.7
50.6
(1.6)
41.8
As of Dec. 31, (Reference)
2014
As of Sept.
30, 2015
(B)
5,051.3
3,608.3
1,184.6
222.2
319.2
5,058.1
3,556.0
1,218.5
239.2
275.7
(4) Outstanding Balance of Assets under custody
(Billions of yen）
As of Dec. 31,
2015
(Japanese)
Assets under custody for individuals
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)
693.6
326.7
65.3
301.5
(A-B)
(8.9)
7.7
(37.5)
20.7
(Note) Insurance = personal annuity insurance + whole life insurance + educational endowment insurance
－6－
As of Dec. 31, (Reference)
2014
As of Sept.
30, 2015
(B)
702.5
319.0
102.8
280.7
683.0
317.9
69.8
295.2

Financial Results for the Third Quarter of Fiscal Year 2014, Ending

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Financial Results for the 1st quarter of Fiscal 2014