Financial Results for Fiscal Year 2015, ended March 31, 2016

May 13, 2016
Ashikaga Holdings Co.,Ltd.
Financial Results for Fiscal Year 2015, ended March 31, 2016
Stock Exchange Listing:
URL:
Representative:
For Inquiry:
Date of General Meeting of Shareholders:
Payment date of cash dividends:
Filing date of Financial Statements:
IR Conference:
Tokyo (code: 7167)
http://www.ashikaga-hd.co.jp/
Masanao Matsushita, President and Chief Executive Officer
Kazuyuki Shimizu, Executive Officer and General Manager, Corporate Planning Dept.
June 28, 2016 (scheduled)
June 8, 2016 (scheduled)
June 28, 2016 (scheduled)
Scheduled (for investors)
(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 March 31, 2016)
(%: Changes from previous fiscal year)
(1)Consolidated Operating Results
Ordinary Income
Ordinary Profit
Net Income
％
％
％
¥Million
¥Million
¥Million
Fiscal year
102,474
5.9
30,356
44.1
22,452
31.4
Ended March 31, 2016
96,723
(10.4)
21,064
(25.4)
17,076
(29.7)
Ended March 31, 2015
(Note) Comprehensive Income
Fiscal year 2015: ¥19,315 million [－56.0%]
Fiscal year 2014: ¥43,963 million [ 93.7%]
Net Income per Net Income per Return on Capital
Assets
Share
Share (Diluted)
Fiscal year
Ended March 31, 2016
Ended March 31, 2015
¥
¥
67.37
51.24
－
－
Ordinary Profit
on Total Assets
Ordinary Profit on
Ordinary Income
％
％
％
7.6
6.4
0.5
0.3
29.6
21.7
(Reference) Equity in earnings (losses) of affiliates
Fiscal year 2015: ¥ － million Fiscal year 2014: ¥ － million
(Note) Since net income per share does not decrease as a result of dilution, diluted net income per share for FY2014 and FY2015
is not shown.
(2)Consolidated Financial Conditions
Fiscal year
Ended March 31, 2016
Ended March 31, 2015
Total Assets
Net Assets
¥Million
¥Million
6,106,037
5,864,239
Capital Assets to
Total Assets
Net Assets per Share
¥
％
303,105
287,121
4.9
4.8
909.54
861.58
(Reference) Capital assets Fiscal Year 2015: ¥303,105 million Fiscal Year 2014: ¥287,121 million
(Note) “Capital assets to total assets” represents (“Net assets”-“Subscription rights to shares”-“Minority interests”)/ “Total assets” at fiscal year-end.
(3)Consolidated Cash Flows
Cash Flows from
Cash Flows from
Cash Flows from
Cash and Cash
Operating Activities Investing Activities Financing Activities Equivalents at year-end
Fiscal year
Ended March 31, 2016
Ended March 31, 2015
¥Million
179,447
18,608
2. Cash Dividends for Shareholders
Fiscal year
Ended March 31, 2015
Ended March 31, 2016
Ending March 31, 2017(Forecast)
¥Million
End of
1Q
(93,654)
5,525
Cash Dividends per Share
(13,332)
(2,832)
End of
2Q
End of
3Q
End of
FY
Annual
Total
Dividends
(Annual)
¥
¥
¥
¥
¥Million
¥
―
―
―
4.50
5.50
5.50
―
―
―
4.50
4.50
―
¥Million
¥Million
9.00
10.00
―
436,150
363,712
Dividend
Ratio of Dividends
to Net Assets
Payout Ratio
(Consolidated)
(Consolidated)
2,999
3,332
％ ―
17.5
14.8
％
1.1
1.1
(Note) 1. Cash dividends 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.
2. The year-end cash dividend forecast for FY2016 is undecided, because the business integration of The Joyo Bank, Ltd. and Ashikaga
Holdings Co., Ltd. through a share exchange is scheduled on October 1, 2016. The forecast will be announced as soon as it is confirmed.
3. Consolidated Earnings Forecasts for Fiscal year 2016, ending March 31, 2017
Ordinary Income
¥Million
Six months
Ending September 30, 2016
Fiscal Year
Ending March 3１, 2017
48,500
―
％
(11.6)
―
(%: Changes from corresponding period of previous fiscal year)
Net Income per Share
Ordinary Profit
Net Income
¥Million
13,000
―
％
(25.5)
―
¥Million
8,000
―
％ ¥
24.00
(27.6)
―
―
(Note) The full-year earnings forecasts for FY2016 are undecided, because the business integration of The Joyo Bank, Ltd. and Ashikaga
Holdings Co., Ltd. through a share exchange is scheduled on October 1, 2016. The forecast will be announced as soon as it is confirmed.
*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):
March 31, 2016 333,250,000 shares
March 31, 2015
333,250,000 shares
② Number of treasury stock:
March 31, 2016
―　shares
March 31, 2015
―　shares
③ Average number of shares:
FY2015
333,250,000 shares
FY2014
333,250,000 shares
（Reference）　Earnings forecast of a subsidiary bank, The Ashikaga Bank, Ltd.(non-consolidated)
(1) Earnings forecast for six months ending September 30, 2016
Six months ended
Sep.30,2015 (A)
Core gross business profit
Expenses
Core net business income
Ordinary profit
Net income
Six months ending
Sep.30,2016 (B)
Forecast
43.7
23.6
20.0
24.3
17.0
42.0
24.5
17.5
16.5
11.5
(in billions of JPY)
Change
(B)－(A)
(1.7)
0.8
(2.5)
(7.8)
(5.5)
(2) Earnings forecast for fiscal year ending March 31, 2017
Fiscal Year ended
Mar.31,2016 (A)
Core gross business profit
Expenses
Core net business income
Ordinary profit
Net income
83.5
47.0
36.4
39.8
30.8
Fiscal Year ending
Mar.31,2017 (B)
Forecast
81.0
48.5
32.5
30.5
21.0
Change
(B)－(A)
(2.5)
1.4
(3.9)
(9.3)
(9.8)
Statement relating to the status of the audit procedures
Even though this 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
(changes in business environment, the market situation of interest rates and stocks, etc.).
Financial Results for the Fiscal Year 2015, Ended March 31, 2016
------------------------------------------- Contents ------------------------------------------Ⅰ Consolidated Financial Information for Fiscal 2015
1. Consolidated Balance Sheet ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・1
2. Consolidated Statement of Income and Consolidated Statement of Comprehensive Income ・　・ 2
3. Consolidated Statement of Shareholders' Equity ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
3
4. Consolidated Statement of Cash Flows ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
4
5. Note for Assumptions of Going Concern ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
5
6. 【Reference】【The Ashikaga Bank,Ltd.】Non-consolidated Balance Sheet ・　・　・　・　・　・　・　・
6
7. 【Reference】【The Ashikaga Bank,Ltd.】Non-consolidated Statement of Income ・　・　・　・　・　・
8
8. 【Reference】【The Ashikaga Bank,Ltd.】Non-consolidated Statement of Shareholders' Equity ・　・
9
Ⅱ Financial Data for Fiscal 2015 (ended March 31, 2016)
1. Income Status ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
10
2. Net Business Income ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
12
3. Interest Rate Spread ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
12
4. Gains and Losses on Securities ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
12
5. Return on Equity ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
13
6. Capital Adequacy Ratio　(Domestic Standard) ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
14
Ⅲ Status of Loans
1. Risk-monitored Loans ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
15
2. Allowance for Loan Losses ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
16
3. Ratio to Reserve for Total Risk-monitored Loans ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
16
4. Disclosed Claims under the Financial Revitalization Law ・　・　・　・　・　・　・　・　・　・　・　・　・　・
17
5. Status of Coverage on Disclosed Claims under the Financial Revitalization Law ・　・　・　・　・
17
6. Loan Portfolio ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
18
(1) Classification of loans by type of industry
(2) Classification of risk-monitored loans by type of industry
(3) Consumer loans
(4) Loans to small-and-medium-sized enterprises
7. Loans to Entities Overseas by Country ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
19
8. Outstanding Balance of Deposits and Loans ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
19
Ⅳ Valuation Gains (Losses) on Securities
1. Valuation Standards of Securities ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
20
2. Unrealized Valuation Gains (Losses) on Other Securities （available-for-sale securities) ・　・
20
Ⅴ Retirement Benefits
1. Retirement Benefit Obligation, etc. ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・ 21
2. Retirement Benefit Costs ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
21
Ⅵ Tax Effect ・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・　・
22
Ⅰ Consolidated Financial Information for Fiscal 2015
1. Consolidated Balance Sheet
【Ashikaga Holdings Co., Ltd.】
(Millions of yen）
Item
As of March 31, As of March 31,
2015
2016
(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
Buildings, net
Land
Leased assets, net
Construction in progress
Other tangible fixed assets
Intangible fixed assets
Software
Goodwill
Other 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
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
Equity
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
商
品
有
価
証
有
価
証
貸
出
外
国
為
そ
の
他
資
有
形
固
定
資
建
土
リ
ー
ス
資
建
設
仮
勘
その他の有形固定資
無
形
固
定
資
権
券
券
金
替
産
産
物
地
産
定
産
産
ソ
フ
ト
ウ
エ
ア
の
れ
ん
その他の無形固定資産
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
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-
365,322
1,644
7,727
4,164
1,207,938
4,150,466
5,837
23,938
24,291
7,074
12,831
18
1,025
3,341
85,754
3,037
82,182
534
13,884
604
16,566
(43,901)
5,864,239
437,509
414
7,627
3,596
1,296,769
4,235,174
4,377
34,277
24,424
7,527
12,798
16
435
3,647
78,601
2,087
75,979
534
10,446
584
12,913
(40,679)
6,106,037
5,071,110
197,379
－
2,473
232,546
365
49,169
54
262
803
495
115
5,774
16,566
5,577,117
5,206,700
174,878
78,000
25,263
251,726
282
46,266
57
311
858
464
134
5,074
12,913
5,802,932
117,495
29,025
94,474
240,994
44,704
(650)
2,072
46,126
287,121
5,864,239
117,495
29,025
113,594
260,115
48,527
(3,951)
(1,585)
42,990
303,105
6,106,037
2. Consolidated Statement of Income and Consolidated Statement of
Comprehensive Income
【Ashikaga Holdings Co., Ltd.】
(1)Consolidated Statement of Income
(Millions of yen）
Item
FY 2014(ended FY 2015(ended
March 31, 2015) March 31, 2016)
(Japanese)
Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Interest on call loans and bills bought
Interest on deposits with banks
Other interest income
Fees and commissions
Other ordinary income
Other income
Recoveries of written off claims
Gains on sales of stocks and other securities
Others
Ordinary expenses
Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit
Interest on call money and bills sold
経
資
金
常
運
収
用
収
益
益
貸
出
金
利
息
有価証券利息配当金
コールローン利息及び買入手形利息
預
け
金
利
その他の受入利
役務取引等収
その他業務収
その他経常収
償却債権取立
株
式
等
売
却
その他の経常収
経
常
費
資
金
調
達
費
息
息
益
益
益
益
益
益
用
用
預
譲
息
息
渡
金
性
預
利
金
利
コールマネー利息及び売渡手形利息
Interest on payables under securities lending transactions 債
借
Interest on borrowed money
そ
Other interest expenses
役
Fees and commissions payments
そ
Other business expenses
営
General and administrative expenses
そ
Other operating expenses
貸
Provision of allowance for loan losses
そ
Other
経
Ordinary profit
Extraordinary income
Gain on dispositions of fixed assets
Extraordinary losses
Loss on disposal of non-current assets
Impairment loss
Loss on reduction of non-current assets
Income before income taxes and minority interests
Income taxes-current
Income taxes-deferred
Total income taxes
Net income
Net income attributable to owners of the parent
券貸借取引支払利
用
金
利
の他の支払利
務取引等費
の他業務費
業
経
の他経常費
倒引当金繰入
の他の経常費
常
利
息
息
息
用
用
費
用
額
用
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
固定資産圧縮損
税金等調整前当期純利益
法人税、住民税及び事業税
法人税等調整額
法
人
税
等
合
計
当
期
純
利
益
親会社株主に帰属する当期純利益
96,723
70,861
57,010
13,118
331
275
125
21,839
1,272
2,749
707
505
1,536
75,658
4,882
2,308
206
77
69
1,924
296
6,056
144
56,636
7,939
4,097
3,842
21,064
16
16
32
32
－
－
21,048
10,592
(6,620)
3,972
17,076
17,076
102,474
73,805
55,936
16,958
393
404
114
22,138
1,692
4,838
524
3,290
1,023
72,118
4,832
2,079
212
8
211
1,537
783
6,198
192
55,471
5,423
2,013
3,409
30,356
－
－
186
108
50
26
30,170
5,805
1,912
7,717
22,452
22,452
(Note) Figures are rounded down to the nearest million.
(2)Consolidated Statement of Comprehensive Income
(Millions of yen）
Item
(Japanese)
Net income
Other comprehensive income
Unrealized gains on available-for-sale securities
Deferred gains (losses) on hedges
Defined retirement benefit plans
Comprehensive income
Comprehensive income attributable to owners of the parent
Comprehensive income attributable to noncontrolling
interests
当
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
包
括
利
益
親会社株主に係る包括利益
非支配株主に係る包括利益
(Note) Figures are rounded down to the nearest million.
-2-
FY 2014(ended FY 2015(ended
March 31, 2015) March 31, 2016)
17,076
26,887
24,473
(619)
3,032
43,963
43,963
－
22,452
(3,136)
3,822
(3,301)
(3,658)
19,315
19,315
－
3. Consolidated Statement of Shareholders’ Equity
【Ashikaga Holdings Co., Ltd.】
FY 2014(ended March 31, 2015)
(Millions of yen）
Shareholders’ equity
Accumulated other comprehensive income
Unrealize
Capital
stock
Capital
surplus
Total
Deferred
Defined
accumulated
gains
other
retirement
( losses )
benefit plans comprehensi
on hedges
ve income
d gains on
Total
Retained
shareholder availableearnings
s’ equity
for-sale
securities
株主資本
資本金
Balance at the beginning of
当期首残高
current period
117,495
資本
剰余金
29,025
利益
剰余金
Balance at the beginning of
current period reflected
accounting change
会計方針の変更を反
映した当期首残高
Changes of items during
the period
当期変動額
4,855
117,495
29,025
剰余金の
配
当
Net income attributable 親会社株主に帰属
to owners of the parent する当期純利益
Cash dividends
Net changes except for
shareholders’ equity
during the period
その他の包括利益累計額
その他有
退職給付にその他の包純資産
株主資本
繰延ヘッ
価証券評
係る調整累括利益累計合計
合計
ジ損益
額合計
価差額金
計額
75,375 221,896
Cumulative effect of an 会計方針の変更によ
る累積的影響額
accounting change
当期変動額
合
計
－
－
Balance at the end of
current period
当期末残高
117,495
29,025
20,230
(30)
(960)
80,230 226,751
20,230
(30)
(960)
245,990
(2,832)
(2,832)
17,076
17,076
17,076
24,473
(619)
3,032
26,887
26,887
14,243
24,473
(619)
3,032
26,887
41,131
94,474 240,994
44,704
(650)
2,072
46,126
287,121
14,243
(Millions of yen）
Accumulated other comprehensive income
Unrealize
Capital
stock
Capital
surplus
Total
Deferred
Defined
accumulated
gains
other
retirement
( losses )
benefit plans comprehensi
on hedges
ve income
d gains on
Total
Retained
shareholder availableearnings
s’ equity
for-sale
securities
株主資本
資本金
117,495
資本
剰余金
29,025
Total
Equity
その他の包括利益累計額
利益
剰余金
その他有
退職給付にその他の包純資産
株主資本
繰延ヘッ
価証券評
係る調整累括利益累計合計
合計
ジ損益
額合計
価差額金
計額
94,474 240,994
44,704
(650)
2,072
46,126
287,121
当期変動額
剰余金の
配
当
Net income attributable 親会社株主に帰属
to owners of the parent する当期純利益
Cash dividends
Net changes except for
shareholders’ equity
during the period
19,239
(2,832)
Shareholders’ equity
Changes of items during
the period
241,135
4,855
FY 2015(ended March 31, 2016)
Balance at the beginning of
当期首残高
current period
19,239
4,855
株主資本以外の項目
の当期変動額（純額）
Total changes of items
during the period
Total
Equity
(3,332)
(3,332)
(3,332)
22,452
22,452
22,452
株主資本以外の項目
の当期変動額（純額）
Total changes of items
during the period
当期変動額
合
計
―
―
Balance at the end of
current period
当期末残高
117,495
29,025
3,822
(3,301)
(3,658)
(3,136)
(3,136)
19,120
3,822
(3,301)
(3,658)
(3,136)
15,983
113,594 260,115
48,527
(3,951)
(1,585)
42,990
303,105
19,120
-3-
4. Consolidated Statement of Cash Flows
(Millions of yen）
【Ashikaga Holdings Co., Ltd.】
Item
Cash flows from operating activities
Income before income taxes
Depreciation and amortization
Impairment loss
Amortization of goodwill
Increase (decrease) in allowance for loan losses
FY 2014(ended
March 31, 2015)
(Japanese)
営業活動によるキャッシュ・フロー
税金等調整前当期純利益
減
価
償
却
費
減
損
損
失
の
れ
ん
償
却
額
貸倒引当金の増減（ △ ）
Increase (decrease) in provision for directors' bonuses 役員賞与引当金の増減額（ △ は減少）
Decrease (increase) in asset for retirement benefits 退職給付に係る資産の増減額（ △ は増加）
Increase (decrease) in provision for directors' retirement benefits
役員退職慰労引当金の増減額（△は減少）
Increase (decrease) in provision for reimbursement of deposits 睡眠預金払戻損失引当金の増減額（△は減少）
Increase (decrease) in provision for contingent loss 偶発損失引当金の増減（ △ ）
Increase (decrease) in provision for point card certificates ポイント引当金の増減額（ △ は減少）
Gain on fund management
Financing expenses
Loss (gain) related to securities
Foreign exchange losses (gains)
資
金
運
用
収
益
資
金
調
達
費
用
有価証券関係損益（ △ ）
為替差損益（ △ は益）
Loss (gain) on disposal of non-current assets
Loss on reduction of non-current assets
固定資産処分損益（ △ は益）
固
定
資
産
圧
縮
損
Net decrease (increase) in loans and bills discounted 貸出金の純増（ △ ）減
預金の純増減（ △ ）
Net increase (decrease) in deposit
Net increase (decrease) in negotiable certificates of deposit 譲渡性預金の純増減（ △ ）
Net increase (decrease) in borrowed money
(excluding subordinated borrowings)
Net decrease (increase) in deposit (excluding
deposit paid to Bank of Japan)
Net decrease (increase) in call loans
借用金（劣後特約付借入金を除く）の純増減（△）
預け金（日銀預け金を除く）の純増（△）減
FY 2015(ended
March 31, 2016)
21,048
3,446
－
6,202
(149)
6
(1,248)
73
(803)
71
26
(70,861)
4,882
2,337
(11,116)
15
－
(192,383)
127,973
26,338
30,170
3,495
50
6,202
(3,222)
3
(1,893)
48
55
(31)
19
(73,805)
4,832
(1,212)
7,905
108
26
(84,707)
135,589
(22,500)
51,901
29,180
391
251
コールローン等の純増（ △ ）減
Net decrease (increase) in trading account securities 商品有価証券の純増（ △ ）減
コールマネー等の純増減（ △ ）
Net increase (decrease) in call money
301
125
(6,175)
1,569
607
78,000
Net increase (decrease) in payables under
securities lending transactions
債券貸借取引受入担保金の純増減（△）
(3,491)
22,789
Net decrease (increase) in foreign exchanges - assets 外国為替（資産）の純増（ △ ）減
131
(397)
68,191
(2,020)
(2,564)
22,254
(3,645)
1,460
(83)
73,908
(7,692)
(9,273)
191,853
(12,405)
18,608
179,447
Net increase (decrease) in foreign exchanges - liabilities 外国為替（負債）の純増減（ △ ）
Proceeds from fund management
Payments for finance
Other, net
Subtotal
Income taxes paid
Net cash provided by (used in) operating
activities
資
資
そ
小
法
金
金
人
運
調
税
用
達
等
に
に
の
よ
よ
の
る
る
支
収
支
払
営業活動によるキャッシュ・フロー
-4-
入
出
他
計
額
(Millions of yen）
Item
(Japanese)
Cash flows from investing activities
Purchase of securities
Proceeds from sales of securities
Proceeds from redemption of securities
投資活動によるキャッシュ・フロー
有価証券の取得による支出
有価証券の売却による収入
有価証券の償還による収入
Purchases of tangible fixed assets
Proceeds from sales of tangible fixed assets
Purchases of intangible fixed assets
Other, net
Net cash provided by (used in) investing
activities
Cash flows from financing activities
Decrease in subordinated borrowings
Cash dividends paid
有形固定資産の取得による支出
有形固定資産の売却による収入
無形固定資産の取得による支出
そ
の
他
FY 2014(ended
March 31, 2015)
(257,319)
72,826
193,323
(2,618)
34
(664)
(56)
FY 2015(ended
March 31, 2016)
(330,762)
85,566
154,466
(2,093)
0
(760)
(71)
投資活動によるキャッシュ・フロー
5,525
(93,654)
財務活動によるキャッシュ・フロー
劣後特約付借入金の返済による支出
配
当
金
の
支
払
額
－
(2,832)
(10,000)
(3,332)
財務活動によるキャッシュ・フロー
(2,832)
(13,332)
Net cash provided by (used in) financing activities
Effect of exchange rate changes on cash and cash
equivalents
Net increase (decrease) in cash and cash
equivalents
Cash and cash equivalents at the beginning of the
period
現金及び現金同等物の増減額（△は減少）
Cash and cash equivalents at the end of the period
現金及び現金同等物に係る換算差額
42
(21)
21,344
72,438
現金及び現金同等物の期首残高
342,368
363,712
現金及び現金同等物の期末残高
363,712
436,150
5. Note for Assumptions of Going Concern
Not applicable.
-5-
6. 【Reference】
【The Ashikaga Bank, Ltd.】
Non-consolidated Balance Sheet
(Millions of yen）
Item
Assets
Cash and due from banks
Cash
Due from banks
Call loans
Monetary claims bought
Trading account securities
Trading government bonds
Trading local government bonds
Trading government guaranteed bonds
Securities
Government bonds
Local government bonds
Corporate bonds
Stocks
Other securities
Loans and bills discounted
Bills discounted
Loans on bills
Loans on deeds
Overdrafts
Foreign exchanges
Due from foreign banks (our accounts)
Foreign bills bought
Foreign bills receivable
Other assets
Domestic exchange settlement account, debit
Prepaid expenses
Accrued income
Variation margins of future markets
Derivatives other than for trading - assets
Other
Tangible fixed assets
Buildings, net
Land
Leased assets, net
Construction in progress
Other tangible fixed assets
Intangible fixed assets
Software
Other intangible fixed assets
Prepaid pension cost
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total Assets
As of March 31,
2015
(Japanese)
現
現
預
コ
買
商
商
商
商
有
国
地
社
株
そ
貸
割
手
証
当
外
外
買
取
そ
未
金
(資産の部)
預
け
け
ー
入
品
ル
金
有
品
品
品
政
価
ロ
ー
銭
債
価
証
国
地
方
府保証
証
方
の
他
の
証
出
引
形
書
座
国
国
他
入
外
立
外
の
他
決
済
手
貸
貸
貸
為
店
預
国
為
国
為
資
為
替
金
金
金
ン
権
券
債
債
債
券
債
債
債
式
券
金
形
付
付
越
替
け
替
替
産
貸
前
払
費
未
収
収
先物取引差金勘
金
融
派
生
商
そ
の
他
の
資
有
形
固
定
資
建
土
リ
ー
ス
資
建
設
仮
勘
その他の有形固定資
無
形
固
定
資
ソ
フ
ト
ウ
エ
用
益
定
品
産
産
物
地
産
定
産
産
ア
その他の無形固定資
前
払
年
金
費
支
払
承
諾
見
貸
倒
引
当
資
産
の
部
合
産
用
返
金
計
-6-
365,317
56,766
308,550
1,644
7,727
4,164
1,989
1,467
706
1,236,859
351,981
241,943
238,602
85,020
319,311
4,189,420
27,586
193,747
3,604,357
363,729
5,837
5,673
88
74
18,946
3
80
5,644
3
4,758
8,456
25,397
7,338
13,691
18
1,025
3,323
3,555
3,023
532
10,899
16,566
(39,009)
5,847,327
As of March 31,
2016
437,507
59,887
377,620
414
7,627
3,596
749
1,258
1,587
1,325,749
351,547
251,967
205,872
77,629
438,732
4,274,437
25,474
193,052
3,668,137
387,773
4,377
4,278
52
45
24,916
4
260
5,824
26
5,745
13,056
25,275
7,737
13,459
16
435
3,626
2,569
2,037
531
12,786
12,913
(33,328)
6,098,844
(Millions of yen）
Item
Liabilities
Deposits
Current deposits
Ordinary deposits
Saving deposits
Deposits at notice
Time deposits
Installment savings
Other deposits
Negotiable certificates of deposit
Call money
Payables under securities lending transactions
Borrowed money
Borrowings from other banks
Foreign Exchanges
Foreign bills sold
Foreign bills payable
Other liabilities
Domestic exchange settlement account, credit
Income taxes payable
Accrued expenses
Unearned revenue
Reserve for interest on installment savings
Derivatives other than for trading - liabilities
Lease obligations
Asset retirement obligations
Other
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 (losses) on available-for-sale securities
Deferred gains or losses on hedges
Total valuation and translation adjustments
Total net assets
Total liabilities and net assets
As of March 31,
2015
(Japanese)
As of March 31,
2016
(負債の部)
偶
ポ
繰
支
負
5,085,385
177,398
2,898,972
73,894
10,683
1,753,463
14,268
156,703
252,379
－
2,473
152,546
152,546
365
225
140
33,212
2,714
8,762
5,784
1,709
5
6,544
19
539
7,133
24
116
803
495
74
10,129
16,566
5,554,571
5,224,561
190,554
3,053,380
72,060
8,181
1,739,401
14,710
146,270
224,878
78,000
25,263
181,726
181,726
282
131
151
30,426
2,864
1,990
5,774
1,679
4
8,263
17
544
9,287
25
132
858
464
90
7,296
12,913
5,786,919
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
135,000
110,634
15,281
95,352
95,352
245,634
47,771
(650)
47,121
292,755
5,847,327
135,000
129,428
17,694
111,733
111,733
264,428
51,447
(3,951)
47,495
311,924
6,098,844
預
当
普
座
通
預
預
金
金
金
貯
蓄
預
金
通
知
預
金
定
期
預
金
定
期
積
金
そ
の
他
の
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
借
入
金
外
国
為
替
売
渡
外
国
為
替
未
払
外
国
為
替
そ
の
他
負
債
未
決
済
為
替
借
未
払
法
人
税
等
未
払
費
用
前
受
収
益
給
付
補
填
備
金
金
融
派
生
商
品
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
発損失引当金
イント引当金
延
税
金
負
債
払
承
諾
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
(Note) Figures are rounded down to the nearest million.
-7-
7. 【Reference】
【The Ashikaga Bank, Ltd.】
Non-consolidated Statement of Income
(Millions of yen）
Item
(Japanese)
Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Interest on call loans
Interest on deposits with banks
Other interest income
Fees and commissions
経
常
収
益
資
金
運
用
収
益
貸
出
金
利
息
有価証券利息配当金
コールローン利息
預
け
金
利
息
その他の受入利息
役務取引等収益
Fees and commissions on domestic and foreign exchanges 受入為替手数料
その他の役務収益
Other fees and commissions
その他業務収益
Other ordinary income
外国為替売買益
Gains on foreign exchange transactions
商品有価証券売買益
Gain on trading account securities transactions
国債等債券売却益
Gains on sales of bonds
Income from derivatives other than for trading or hedging
金融派生商品収益
その他の業務収益
Other
その他経常収益
Other income
貸倒引当金戻入益
Reversal of allowance for loan losses
償却債権取立益
Recoveries of written off claims
株
式
等
売
却
益
Gains on sales of stocks and other securities
その他の経常収益
Other
経
常
費
用
Operating expenses
資
金
調
達
費
用
Interest expenses
預
金
利
息
Interest on deposits
譲渡性預金利息
Interest on negotiable certificates of deposit
コールマネー利息
Interest on call money
債券貸借取引支払利息
Interest on deposits for bonds lending transaction
借
用
金
利
息
Interest on borrowed money
その他の支払利息
Other interest expenses
役務取引等費用
Fees and commissions payments
Fees and commissions on domestic and foreign exchanges 支払為替手数料
その他の役務費用
Other fees and commissions
その他業務費用
Other ordinary expenses
国債等債券売却損
Losses on sales of bonds
国債等債券償却
Write-offs of bonds
営
業
経
費
General and administrative expenses
その他経常費用
Other expenses
貸倒引当金繰入額
Provision of allowance for loan losses
貸
出
金
償
却
Write-off amount of loans
株
式
等
売
却
損
Losses on sales of stocks
式
等
償
却
Losses on devaluation of stocks and other securities 株
貸
出
金
売
却
損
Losses on sales of loans
その他の経常費用
Other expenses or losses
経
常
利
益
Ordinary income
特
別
利
益
Extraordinary income
固
定
資
産
処
分
益
Gain on disposal of non-current assets
特
別
損
失
Extraordinary losses
固定資産処分損
Loss on disposal of non-current assets
減
損
損
失
Impairment loss
固定資産圧縮損
Loss on reduction of non-current assets
税引前当期純利益
Income before income taxes
法人税、住民税及び事業税
Income taxes - current
法人税等調整額
Income taxes - deferred
法
人
税
等
合
計
Total income taxes
当
期
純
利
益
Net income
(Note) Figures are rounded down to the nearest million.
-8-
FY 2014(ended
March 31, 2015)
92,616
68,160
55,008
12,430
331
275
115
20,716
4,783
15,932
952
403
41
486
20
0
2,787
－
701
505
1,580
62,846
3,075
2,312
220
77
69
104
291
6,155
875
5,279
0
0
－
48,962
4,652
1,742
1,571
871
43
0
423
29,770
16
16
29
29
－
－
29,757
10,192
(224)
9,968
19,789
FY 2015(ended
March 31, 2016)
100,545
71,582
53,724
16,958
393
404
102
21,253
4,764
16,488
1,343
347
58
895
41
0
6,366
1,284
508
3,508
1,065
60,695
3,458
2,082
226
8
211
150
779
6,314
886
5,427
36
0
36
47,711
3,175
－
1,552
980
8
7
625
39,850
－
－
383
108
248
26
39,466
10,468
(1,861)
8,607
30,859
8. 【Reference】
【The Ashikaga Bank,Ltd.】
Non-consolidated Statement of Shareholders’ Equity
FY 2014 (ended March 31, 2015)
(Millions of yen）
Valuation and translation
adjustments
Shareholders’ equity
Retained earnings
Capital
stock
Capital
surplus
Other
retained
earnings
Retained
earnings
brought
forward
Total
retained
earnings
Total
Unrealized
Deferred
valuation
Total
gains on
gains
and
shareholde available(losses) on translation
rs’ equity
for-sale
hedges
adjustment
securities
s
株主資本
評価・換算差額等
利益剰余金
資本金
Balance at the beginning
当期首残高
of the period
Cumulative effect of 会計方針の変更に
an accounting change よる累積的影響額
Balance at the beginning of
会計方針の変更を
current period reflected
反映した当期首残
accounting change
高
Changes of items during
当期変動額
the period
Cash dividends
剰
配
余
金
Net income
当期純利益
135,000
135,000
の
当
資本
剰余金
12,332
その他利
益剰余金
繰越利益
剰余金
Total
Equity
利益剰余
金合計
株主資本
合計
その他有
繰延ヘッジ評価・換算差
価証券評
額等合計
損益
価差額金
88,404
100,737
235,737
4,853
4,853
4,853
12,332
93,257
105,590
240,590
2,949
(17,694)
(14,745)
(14,745)
(14,745)
19,789
19,789
19,789
19,789
Net changes of items 株主資本以外の項
other than
目の当期変動額
純
額
）
shareholders’ equity （
22,907
(30)
22,876
純資産
合計
258,614
4,853
22,907
(30)
22,876
263,467
24,863
(619)
24,244
24,244
Total changes of items
during the period
当期変動額
合
計
－
2,949
2,094
5,043
5,043
24,863
(619)
24,244
29,288
Balance at the end of
current period
当期末残高
135,000
15,281
95,352
110,634
245,634
47,771
(650)
47,121
292,755
FY 2015 (ended March 31, 2016)
(Millions of yen）
Valuation and translation
adjustments
Shareholders’ equity
Retained earnings
Capital
stock
Capital
surplus
Other
retained
earnings
Retained
earnings
brought
forward
Total
retained
earnings
Total
shareholde
rs’ equity
株主資本
Total
Unrealized
Deferred
valuation
gains on
gains
and
available(losses) on translation
for-sale
hedges
adjustment
securities
s
評価・換算差額等
利益剰余金
資本金
Balance at the beginning
当期首残高
of the period
135,000
資本
剰余金
その他利
益剰余金
繰越利益
剰余金
Total
Equity
利益剰余
金合計
株主資本
合計
その他有
繰延ヘッジ評価・換算差
価証券評
額等合計
損益
価差額金
47,771
(650)
47,121
純資産
合計
15,281
95,352
110,634
245,634
292,755
2,412
(14,477)
(12,064)
(12,064)
(12,064)
30,859
30,859
30,859
30,859
Changes of items during
当期変動額
the period
Cash dividends
剰
配
余
金
の
当
Net income
当期純利益
Net changes of items 株主資本以外の項
other than
目の当期変動額
純
額
）
shareholders’ equity （
3,675
(3,301)
374
374
Total changes of items
during the period
当期変動額
合
計
－
2,412
16,381
18,794
18,794
3,675
(3,301)
374
19,169
Balance at the end of
current period
当期末残高
135,000
17,694
111,733
129,428
264,428
51,447
(3,951)
47,495
311,924
-9-
Ⅱ Financial Data for Fiscal 2015 （ended March 31, 2016）
1. Income Status
【Ashikaga Holdings Co., Ltd.（Consolidated Income Status）】
(Millions of yen）
(Japanese)
Consolidated gross profit
Net interest income
Net fees and commissions
Net trading income
Net other business income
General and administrative expenses
Write-off and reserve expenses of loans①
Reversal of allowance for loan losses②
Recovery of written off claims③
Gains (losses) on stocks
Equity in gains (losses) of affiliated companies
Others
Ordinary profit
Extraordinary income(losses)
Income before income taxes and minority interests
Income taxes-current
Income taxes-deferred
Net income
Net income attributable to noncontrolling interests
Net income attributable to owners of the parent
連
資
結
粗
利
金
利
益
益
役務取引等利益
特定取引利益
その他業務利益
営
業
経
費
貸倒償却引当費用 ①
貸倒引当金戻入益 ②
償却債権取立益 ③
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
税金等調整前当期純利益
法人税、住民税及び事業税
法人税等調整額
当
期
純
利
益
非支配株主に帰属する当期純利益
親会社株主に帰属する当期純利益
FY 2015
(A)
86,413
68,973
15,940
－
1,499
55,471
3,749
－
524
2,300
－
338
30,356
(186)
30,170
5,805
1,912
22,452
－
22,452
(A)-(B)
3,523
2,995
156
－
371
(1,164)
(2,907)
－
(182)
2,709
－
(830)
9,292
(170)
9,121
(4,787)
8,532
5,376
－
5,376
FY 2014
(B)
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
－
17,076
(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)
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)
3,224
(2,724)
5,949
FY 2015
(A)
数
4
(A)-(B)
－
FY 2014
(B)
4
－
－
与信関係費用（①-②-③）
Reference（Number of Consolidated Subsidiaries）
(Japanese)
Number of consolidated subsidiaries
連
結
子
会
社
Number of affiliated companies applicable to the equity
持分法適用会社数
method
- 10 -
－
Reference（Non-consolidated Income Status）
【The Ashikaga Bank, Ltd. (Non-Consolidated basis）】
(Millions of yen）
Reversal of allowance for loan losses③
Recoveries of written-off claims④
Ordinary profits
Extraordinary income(loss)
Net gain (loss) from fixed assets
Gain on disposal of non-current assets
Loss on dispositions of non-current assets
Impairment loss
Loss on reduction of non-current assets
Income before income taxes
Income taxes-current
Income taxes-deferred
Net income
うち貸倒引当金戻入益
うち償却債権取立益
経
常
利
益
特
別
損
益
固定資産処分損益
固定資産処分益
固定資産処分損
減
損
損
失
固定資産圧縮損
税引前当期純利益
法人税、住民税及び事業税
法人税等調整額
当
期
純
利
益
FY 2015
(A)
84,370
82,093
81,234
66,287
14,883
－
922
2,277
2,277
1,836
55
－
385
47,055
25,396
18,854
2,804
37,315
859
－
37,315
2,535
2,519
1,528
1,552
－
7
(31)
1,284
508
39,850
(383)
(108)
－
108
248
26
39,466
10,468
(1,861)
30,859
Credit related costs (①＋②－③－④)
与信関係費用（①+②-③-④）
(264)
(Japanese)
Gross business profit
Domestic gross business profit
Core gross business profit
Net interest income
Net fees and commissions
Net trading income
Net other business income
International gross business profit
Core gross business profit
Net interest income
Net fees and commissions
Net trading income
Net other business income
Expenses
Personnel expenses
Non-personnel expenses
Taxes
業
務
粗
利
益
国内業務粗利益
(除く国債等債券損益(5勘定尻))
資
役
特
そ
国
務
定
の
際
金
取
取
他
業
引
引
業
務
利
等
等
務
粗
利
利
利
利
益
益
益
益
益
(除く国債等債券損益(5勘定尻))
資
役
特
そ
経
人
物
務
定
の
費(
金
取
取
他
除く
利
引等
引等
業務
臨時処
件
件
益
利益
利益
利益
理分)
費
費
税
金
業務純益( 一般貸引考慮前)
うち国債等債券損益(5勘定尻)
Gains (losses) on bonds
一
般貸倒引当金繰入額
Net transfer to general allowance for loan losses①
Net business income (after general allowance for loan losses)
業
務
純
益
臨
時
損
益
Net non-recurrent gains (losses)
うち株式等損益 (3 勘定尻 )
Gains (losses) on stocks
うち不良債権処理額
Disposal of non-performing loans②
貸
出
金
償
却
Write-off amount of loans
Net transfer to specific allowance for loan losses 個別貸倒引当金純繰入額
貸出金売却損
Losses on sales of loans
Net transfer to provision for contingent losses 偶発損失引当金繰入額
Net business income (before general allowance for loan losses)
- 11 -
(A)-(B)
3,772
3,747
3,374
2,871
398
－
477
25
25
167
(20)
－
(122)
(990)
(609)
(843)
462
4,763
372
2,265
2,498
7,581
2,928
(4,121)
(19)
(4,007)
7
(102)
1,284
(192)
10,080
(371)
(96)
(16)
79
248
26
9,708
275
(1,637)
11,069
FY 2014
(B)
80,598
78,346
77,859
63,416
14,484
－
444
2,251
2,251
1,668
76
－
507
48,046
26,005
19,698
2,342
32,551
486
(2,265)
34,816
(5,046)
(409)
5,649
1,571
4,007
0
71
－
701
29,770
(12)
(12)
16
29
－
－
29,757
10,192
(224)
19,789
(2,947)
2,683
2. Net Business Income
【The Ashikaga Bank, Ltd. (Non-consolidated basis）】
(Millions of yen）
FY 2015
(A)
(Japanese)
Net business income (before transfer to general
業務純益( 一般貸引繰入前)
allowance for loan losses)
職員一人当たり(千円)
Per head (in thousands of yen)
業
務
純
益
Net business income
職員一人当たり(千円)
Per head (in thousands of yen)
(A)-(B)
FY 2014
(B)
37,315
4,763
32,551
12,911
37,315
12,911
1,892
2,498
1,125
11,019
34,816
11,786
3. Interest Rate Spread
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
Whole bank operations
Average yield on interest earning assets①
Average yield on loans and bills discounted
Average yield on securities
Average yield on interest bearing liabilities②
(％）
(Japanese)
Average yield on deposits and negotiable certificates of deposit
資
貸
有
資
預
金運用利
出
金
利
価証券利
金調達原
金
等
利
回
回
回
価
回
Average yield on call money and borrowed money
Average interest rate spread (①－②)
外
総
部負債利
資
金
利
回
鞘
FY 2015
(A)
1.22
1.28
1.47
0.88
0.04
0.09
0.34
(A)-(B)
0.02
(0.07)
0.45
(0.05)
(0.00)
(0.02)
0.07
FY 2014
(B)
1.20
1.35
1.02
0.93
0.04
0.11
0.27
(％）
Domestic operations
Average yield on interest earning assets ①
Average yield on loans and bills discounted
Average yield on securities
Average yield on interest bearing liabilities ②
Average yield on deposits and negotiable certificates of deposit
Average interest rate spread (①－②)
(Japanese)
資
貸
有
資
預
総
金運用利
出
金
利
価証券利
金調達原
金
等
利
資
金
利
回
回
回
価
回
鞘
FY 2015
(A)
1.18
1.28
1.47
0.86
0.04
0.32
(A)-(B)
0.00
(0.08)
0.48
(0.06)
(0.00)
0.06
FY 2014
(B)
1.18
1.36
0.99
0.92
0.04
0.26
4. Gains and Losses on Securities
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
(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
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
売
償
- 12 -
却
却
益
損
却
FY 2015
(A)
859
895
－
0
－
36
(A)-(B)
372
408
－
(0)
－
36
FY 2014
(B)
486
486
－
0
－
－
2,519
3,508
980
8
2,928
3,002
108
(34)
(409)
505
871
43
5. Return on Equity
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
FY 2015
(A)
(Japanese)
Net income attributable to
owners of the parent basis
(％）
親会社株主に帰属する
当期純利益ベース
7.60
(A)-(B)
1.20
FY 2014
(B)
6.40
(Note) A denominator (Net average assets) is calculated as follows: (Net assets at the beginning of the period excluding subscription
rights to shares + Net assets at the end of the period excluding subscription rights to shares)/2
(注)
分母となる自己資本平均残高は、［(期首純資産の部－新株予約権)＋(期末純資産の部－新株予約権)］÷2としております。
【The Ashikaga Bank, Ltd. (Non-consolidated basis)
(％）
FY 2015
(A)
(Japanese)
(A)-(B)
FY 2014
(B)
Net business income basis (before
general allowance for loan losses)
実質業務純益ベース
12.34
0.64
11.70
Net business income basis
業務純益ベース
12.34
(0.17)
12.51
Net income basis
当期純利益ベース
10.20
3.09
7.11
(Note) A denominator (Net average assets) is calculated as follows: (Net assets at the beginning of the period excluding subscription
rights to shares + Net assets at the end of the period excluding subscription rights to shares)/2
(注)
分母となる自己資本平均残高は、［(期首純資産の部－新株予約権)＋(期末純資産の部－新株予約権)］÷2としております。
- 13 -
6. Capital Adequacy Ratio　（Domestic standard）
【Ashikaga Holdings Co., Ltd.(Consolidated basis)】
(Millions of yen）
As of Mar.31,
2016 (A)
8.61%
(A)-(B)
(0.06%)
(A)-(C)
0.07%
(B)
8.67%
(C)
8.54%
341,988
3,754
8,107
338,234
333,881
258,615
9,901
19,120
248,714
239,495
(Preliminary figures)
Capital adequacy ratio
自
率
Basic Core capital　①
コア資本に係る基礎項目
うち、普通株式等に係る
Of which, common equity capital
株主資本の額
己
資
本
比
As of Sep.30, As of Mar.31,
2015
2015
Of which, total accumulated
other comprehensive income
うち、その他の包括利益累
計
額
(634)
(1,091)
(1,048)
456
414
Of which, total amount of
provision
うち、引当金の合計額
20,007
944
(1,964)
19,063
21,971
Of which, directly issued capital
うち、適格旧資本
instruments subject to phase out
調達手段の額
from Additional Tier 1
64,000
(6,000)
(8,000)
70,000
72,000
コア資本に係る調整項目
79,932
(1,958)
(5,224)
81,890
85,157
うち、のれんに係るものの額
75,979
(3,101)
(6,202)
79,080
82,182
Of which, intangible fixed assets うち、のれん以外の
無形固定資産の額
excluding goodwill
729
330
244
398
485
Of which, deferred tax assets
うち、繰延税金資産の額
excluding temporary differences （一時差異に係るものを除く）
317
(30)
(286)
347
603
うち、退職給付に係る
資
産
の
額
2,906
843
1,019
2,062
1,886
Adjustment Core capital　②
Of which, goodwill
Of which, retirement benefits
Capital ①-②
自
額
262,056
5,712
13,332
256,343
248,723
Total risk weighted assets
リスク・アセット等
3,041,648
87,670
131,845
2,953,977
2,909,802
己
資
本
の
【The Ashikaga Bank, Ltd.(Non-Consolidated basis)】
(Millions of yen）
As of Mar.31,
2016 (A)
As of Sep.30, As of Mar.31,
2015
2015
Capital adequacy ratio
自
率
8.67%
(A)-(B)
(0.25%)
(A)-(C)
0.09%
(B)
8.92%
(C)
8.58%
Basic Core capital　①
コア資本に係る基礎項目
270,358
2,837
17,090
267,520
253,267
Of which, common equity capital
うち、普通株式等に係る
株主資本の額
252,364
1,769
18,794
250,594
233,569
Of which, total amount of
provision
うち、引当金の合計額
17,994
1,068
(1,704)
16,926
19,698
コア資本に係る調整項目
4,272
2,260
2,307
2,011
1,964
Of which, intangible fixed assets うち、のれん以外の
無形固定資産の額
excluding goodwill
714
318
231
396
483
3,557
1,942
2,076
1,614
1,481
(Preliminary figures)
Adjustment Core capital　②
Of which, prepaid pension cost
己
資
本
比
うち、前払年金費用の額
Capital ①-②
自
額
266,086
576
14,782
265,509
251,303
Total risk weighted assets
リスク・アセット等
3,067,431
92,647
139,717
2,974,783
2,927,713
己
資
本
の
- 14 -
Ⅲ Status of Loans
1. Risk-monitored Loans
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(1)Risk-monitored loans
(Millions of yen）
As of
31,2016
(Japanese)
Mar
As of Sep 30, As of Mar 31,
2015
2015
計
(A)
1,616
69,210
－
20,340
91,168
(Reference)Amount of partial direct writeoff executed
（参考）部分直接償却実施額
9,548
1,606
1,277
7,942
8,270
Total loans (Term-end balance)
貸出金残高（末残）
4,274,437
69,875
85,016
4,204,562
4,189,420
Loans to bankrupt borrowers
Non-accrual delinquent loans
Loans past due 3 month or more
Restructured loans
Total risk-monitored loans
破
延
綻
先
滞
債
債
権
権
額
額
3ヶ月以上延滞債権額
貸出条件緩和債権額
合
(A)-(B)
44
(6,122)
(5)
2,830
(3,252)
(A)-(C)
(25)
(8,114)
－
1,303
(6,836)
(B)
1,571
75,333
5
17,510
94,420
(C)
1,642
77,324
－
19,037
98,004
(2)Ratio of Risk-monitored loans to total loans
(％）
As of
31,2016
(Japanese)
Loans to bankrupt borrowers
Non-accrual delinquent loans
Loans past due 3 month or more
Restructured loans
Total risk-monitored loans
破
延
綻
先
滞
債
債
権
権
(A)
0.03
1.61
－
0.47
2.13
額
額
3ヶ月以上延滞債権額
貸出条件緩和債権額
合
Mar
計
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
0.00
(0.18)
0.00
0.06
(0.11)
(A)-(C)
0.00
(0.23)
－
0.02
(0.20)
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
(1)Risk-monitored loans
(C)
0.03
1.84
－
0.45
2.33
(Millions of yen）
As of
31,2016
(Japanese)
(B)
0.03
1.79
0.00
0.41
2.24
Mar
As of Sep 30, As of Mar 31,
2015
2015
計
(A)
1,704
69,914
－
20,340
91,959
(Reference)Amount of partial direct writeoff executed
（参考）部分直接償却実施額
11,342
1,315
1,009
10,027
10,333
Total loans (Term-end balance)
貸出金残高（末残）
4,235,174
69,551
84,707
4,165,622
4,150,466
Loans to bankrupt borrowers
Non-accrual delinquent loans
Loans past due 3 month or more
Restructured loans
Total risk-monitored loans
破
延
綻
先
滞
債
債
権
権
額
額
3ヶ月以上延滞債権額
貸出条件緩和債権額
合
(A)-(B)
12
(6,367)
(5)
2,830
(3,529)
(A)-(C)
(70)
(8,289)
－
1,303
(7,056)
(B)
1,691
76,282
5
17,510
95,489
(C)
1,774
78,203
－
19,037
99,016
(2)Ratio of Risk-monitored loans to total loans
Item
Loans to bankrupt borrowers
Non-accrual delinquent loans
Loans past due 3 month or more
Restructured loans
Total risk-monitored loans
(％）
As of
31,2016
(Japanese)
破
綻
先
債
権
額
延
滞
債
権
額
3ヶ月以上延滞債権額
貸出条件緩和債権額
合
計
- 15 -
Mar
(A)
0.04
1.65
－
0.48
2.17
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
0.00
(0.18)
0.00
0.06
(0.12)
(A)-(C)
0.00
(0.23)
－
0.03
(0.21)
(B)
0.04
1.83
0.00
0.42
2.29
(C)
0.04
1.88
－
0.45
2.38
2. Allowance for Loan Losses
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Japanese)
Allowance for loan losses
貸
倒
引
当
(Millions of yen）
As of
31,2016
(A)
33,328
17,994
15,334
－
金
General allowance for loan losses
一般貸倒引当金
Specific allowance for loan losses
個別貸倒引当金
Allowance for specific foreign debtors
特定海外債権引当勘定
Mar
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(2,782)
1,068
(3,850)
－
(A)-(C)
(5,680)
(1,704)
(3,976)
－
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
Allowance for loan losses
General allowance for loan losses
一般貸倒引当金
Specific allowance for loan losses
個別貸倒引当金
Allowance for specific foreign debtors
特定海外債権引当勘定
Mar
(A)
40,679
20,007
20,671
－
貸倒引当金合計
(C)
39,009
19,698
19,311
－
(Millions of yen）
As of
31,2016
(Japanese)
(B)
36,111
16,926
19,185
－
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(3,496)
944
(4,440)
－
(A)-(C)
(3,222)
(1,964)
(1,258)
－
(B)
44,175
19,063
25,112
－
(C)
43,901
21,971
21,930
－
3. Ratio to Reserve for Total Risk-monitored Loans
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
As of
31,2016
(Japanese)
Before partial direct write-off
After partial direct write-off
(％）
Mar
(A)
42.84
36.52
部分直接償却前
部分直接償却後
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(0.48)
(1.69)
(A)-(C)
(1.92)
(3.25)
(B)
43.32
38.21
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
Before partial direct write-off
After partial direct write-off
(％）
As of
31,2016
(Japanese)
(C)
44.76
39.77
部分直接償却前
部分直接償却後
- 16 -
Mar
(A)
50.67
44.20
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(1.03)
(2.02)
(A)-(C)
0.77
(0.10)
(B)
51.70
46.22
(C)
49.90
44.30
4. Disclosed Claims under the Financial Revitalization Law
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
As of
31,2016
(Japanese)
Mar
(A)
Bankrupt and substantially
bankrupt claims
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total
Ratio of disclosed claims under
the Financial Revitalization Law
(Reference) Amount of partial direct
write-off executed
破産更生債権及びこれら
に準ずる債権
危
険
債
権
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(A)-(C)
(B)
4,975
(370)
(1,840)
5,346
6,816
権
計
権
計
66,152
20,340
91,469
4,262,153
4,353,623
(5,911)
2,825
(3,456)
82,030
78,573
(6,418)
1,303
(6,956)
104,164
97,208
72,063
17,515
94,926
4,180,123
4,275,049
72,571
19,037
98,426
4,157,988
4,256,415
金融再生法開示債権比率
2.10％
(0.12%)
(0.21%)
2.22％
2.31％
（参考）部分直接償却実施額
9,548
1,606
1,277
7,942
8,270
要
小
正
合
管
理
常
債
債
【Ashikaga Holdings Co, Ltd. (Consolidated basis)】
(Millions of yen）
As of
31,2016
(Japanese)
Mar
(A)
Bankrupt and substantially
bankrupt claims
(C)
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(A)-(C)
(B)
(C)
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
正
常
債
権
合
計
5,789
(661)
(2,089)
6,450
7,878
66,261
20,340
92,391
4,225,079
4,317,471
(5,918)
2,825
(3,754)
82,248
78,493
(6,418)
1,303
(7,205)
104,339
97,133
72,180
17,515
96,146
4,142,831
4,238,977
72,680
19,037
99,597
4,120,740
4,220,337
Ratio of disclosed claims under
the Financial Revitalization Law
金融再生法開示債権比率
2.13％
(0.13%)
(0.22%)
2.26％
2.35％
(Reference) Amount of partial direct
write-off executed
（参考）部分直接償却実施額
11,342
1,315
1,009
10,027
10,333
Doubtful claims
Claims requiring supervision
Subtotal
Normal claims
Total
5. Status of Coverage on Disclosed Claims under the Financial Revitalization Law
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
As of
31,2016
(Japanese)
Mar
Coverage amount ②
Portion covered by allowance
Reserve for specific debtors
保
貸
担
②
金
等
(A)
69,236
18,891
50,344
Total disclosed claims under
the Financial Revitalization Law ①
金融再生法開示債権残高①
91,469
全
額
倒
引
当
保
保
証
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(5,749)
(3,415)
(2,333)
(A)-(C)
(7,064)
(3,770)
(3,293)
(B)
74,985
22,307
52,678
(C)
76,300
22,662
53,638
(3,456)
(6,956)
94,926
98,426
(％）
Coverage ratio ②／①
保
全
率
②
／
①
75.69
(3.30)
(1.83)
78.99
77.52
（Reference） Breakdown of Disclosed claims under the Financial Revitalization Law （As of Mar 31, 2016）
Bankrupt
and
substantially
bankrupt
claims
Doubtful
claims
Claims
requiring
supervision
破産更正債
権及びこれら危険債権要管理債権合
に準ずる債権
Total claims outstanding
Collateral and guarantees
Uncoverage amount
Allowance for loan losses
Coverage amount
Allowance ratio
Coverage ratio
与
信
残
担保保証等保全
非
保
全
貸
倒
引
当
保
引
保
全
当
全
①
②
③=①-②
④
額 ⑤=②+④
率 ④／③
率 ⑤／①
高
額
額
金
- 17 -
4,975
3,550
1,424
1,424
4,975
100.00%
100.00%
66,152
39,046
27,106
13,963
53,010
51.51%
80.13%
20,340
7,746
12,593
3,502
11,249
27.81%
55.30%
Total
計
91,469
50,344
41,124
18,891
69,236
45.93%
75.69%
6. Loan Portfolio
(1) Classification of loans by type of industry　【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
As of
31,2016
(Japanese)
Total
Manufacturing
Agriculture / Forestry
Fishery
Mining / Quarrying of stone / Gravel
Construction
Electricity, gas and water
Telecommunication
Transportation / Postal activities
Wholesale / Retail services
Financial and insurance services
Real estate / Goods rental and leasing
合
計
製
造
業
農
業
、
林
業
漁
業
鉱業、採石業、砂利採取業
建
設
業
電気・ガス・熱供給・水道業
情
報
通
信
業
運輸業、郵便業
卸売業、小売業
金融業、保険業
不動産業、物品賃貸業
その他サービス業
国・地方公共団体
Services
Government / Local government
そ
Others
の
(Millions of yen）
他
Mar
(A)
4,274,437
500,153
11,489
514
5,474
149,759
43,145
20,287
102,787
395,757
184,346
483,484
307,272
504,820
1,565,139
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
69,875
(3,655)
497
(23)
(171)
7,444
1,920
(19,037)
1,190
334
(11,406)
13,778
6,343
24,929
47,734
(A)-(C)
85,017
(16,230)
1,129
(10)
(329)
5,585
3,404
(20,824)
(324)
(158)
(14,328)
36,635
10,901
(15,177)
94,743
(2) Classification of risk-monitored loans by type of industry
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
As of
31,2016
(Japanese)
Total
Manufacturing
Agriculture / Forestry
Fishery
合
計
製
造
業
農
業
、
林
業
漁
業
Mining / Quarrying of stone / Gravel 鉱業、採石業、砂利採取業
Construction
Electricity, gas and water
Telecommunication
Transportation / Postal activities
Wholesale / Retail services
Financial and insurance services
Real estate / Goods rental and leasing
Services
Government / Local government
Others
建
設
業
電気・ガス・熱供給・水道業
情
報
通
信
業
運輸業、郵便業
卸売業、小売業
金融業、保険業
不動産業、物品賃貸業
その他サービス業
国・地方公共団体
そ
の
他
- 18 -
(C)
4,189,420
516,383
10,360
524
5,803
144,174
39,741
41,111
103,111
395,915
198,674
446,849
296,371
519,997
1,470,396
(Millions of yen）
Mar
(A)
91,168
27,963
331
－
－
5,774
－
481
2,981
17,465
92
11,719
10,909
－
13,448
(B)
4,204,562
503,808
10,992
537
5,645
142,315
41,225
39,324
101,597
395,423
195,752
469,706
300,929
479,891
1,517,405
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(3,252)
3,305
118
－
(52)
(566)
(2)
(148)
(103)
(1,550)
4
(441)
(4,219)
－
402
(A)-(C)
(6,836)
784
94
－
(69)
(1,152)
－
(80)
355
(496)
19
(2,697)
(4,071)
－
477
(B)
94,420
24,657
213
－
52
6,341
2
629
3,084
19,015
88
12,160
15,128
－
13,046
(C)
98,004
27,178
237
－
69
6,927
－
561
2,625
17,961
73
14,416
14,981
－
12,971
(3) Consumer loans
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Japanese)
Consumer loans
Housing loans
Other loans
(Millions of yen）
As of
31,2016
消費者ローン残高
住宅ローン残高
その他ローン残高
Mar
(A)
1,694,476
1,647,528
46,948
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
53,556
49,543
4,013
(A)-(C)
108,593
100,545
8,048
(B)
1,640,920
1,597,985
42,935
(4) Loans to small-and-medium-sized enterprises
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
As of
31,2016
(Japanese)
Mar
(A)
Loans to Small and medium-sized
中小企業等貸出残高
enterprises
Ratio of small and medium-sized
中小企業等貸出比率
enterprises loans
(C)
1,585,883
1,546,983
38,900
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
(A)-(C)
(B)
(C)
3,205,981
84,475
169,103
3,121,506
3,036,878
75.00%
0.76%
2.52%
74.24%
72.48%
7. Loans to Entities Overseas by Country
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】　(1) Specific overseas loans
Not applicable
(2) Loans to Asian Countries
(Millions of yen）
As of
31,2016
(Japanese)
Mar
(A)
China
中
495
－
495
－
国
(Of which, risk-monitored loans) （うちリスク管理債権）
Total
合
計
(Of which, risk-monitored loans) （うちリスク管理債権）
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
15
－
15
－
(A)-(C)
15
－
15
－
(B)
(C)
479
－
479
－
480
－
480
－
(3) Loans to Latin American Countries
Not applicable
(4) Loans to Russia
Not applicable
8. Outstanding Balance of Deposits and Loans
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
As of
31,2016
(Japanese)
Deposits (Terms-end balance)
Deposits (Average balance)
Loans (Terms-end balance)
Loans (Average balance)
預
金
（
末
残
）
預
金
（
平
残
）
貸出金（末残）
貸出金（平残）
Mar
(A)
5,224,561
5,043,012
4,274,437
4,173,068
- 19 -
As of Sep 30, As of Mar 31,
2015
2015
(A)-(B)
166,443
15,037
69,875
27,708
(A)-(C)
139,176
99,948
85,016
127,531
(B)
5,058,117
5,027,975
4,204,562
4,145,359
(C)
5,085,385
4,943,064
4,189,420
4,045,537
Ⅳ Valuation Gains (Losses) on Securities
1. Valuation Standards of Securities
売
有
Securities held-to-maturity
買
価
Market value method (Valuation differences are recognized
的
券 as gains or losses and stated in statement of income）
時価法（評価差額を損益処理）
満期保有目的 Amortized cost method
債
券償却原価法
Trading purpose securities
目
証
Other securities (available-forMarket value method (Valuation differences are stated in net
その他有価証券
sale securities)
assets of balance sheet)　時価法（評価差額は全部純資産直入）
Stocks of subsidiaries and
子会社及び
Cost accounting method　原価法
関連会社株式
affiliated companies
2. Unrealized Valuation Gains (Losses) on Other Securities (available-for-sale securities)
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
As of Mar 31, 2016
As of Sep 30, 2015
As of Mar 31, 2015
Unrealized valuation gains Unrealized valuation gains
(losses)
(losses)
Unrealized valuation gains (losses)
(A)
満期保有
目
的
Bonds
債
券
Others
その他
Other (available- その他有
for-sale)
価証券
Stocks
株
式
Bonds
債
券
Others
その他
Total
合
計
Stocks
株
式
Bonds
債
券
Others
その他
Held-to-maturity
(A)-(B)
(A)-(C)
Valuation Valuation
gains
losses
(B)
Valuation Valuation
gains
losses
(C)
Valuation Valuation
gains
losses
13,840
3,740
3,794
13,840
－
10,099
10,099
－
10,045
10,045
－
13,781
3,789
3,896
13,781
－
9,991
9,991
－
9,885
9,885
－
58
(48)
(101)
58
－
107
107
－
160
160
－
71,633
19,372
4,128
75,624
3,991
52,260
55,473
3,213
67,504
68,714
1,209
29,438
(1,732)
(6,800)
29,515
76
31,171
31,220
49
36,239
36,277
38
30,974
17,042
15,841
31,283
308
13,932
14,452
519
15,133
15,480
347
11,219
4,062
(4,912)
14,825
3,605
7,156
9,800
2,643
16,131
16,956
824
85,473
23,113
7,922
89,464
3,991
62,359
65,572
3,213
77,550
78,760
1,209
29,438
(1,732)
(6,800)
29,515
76
31,171
31,220
49
36,239
36,277
38
44,756
20,832
19,737
45,064
308
23,923
24,443
519
25,018
25,366
347
11,278
4,013 (5,014) 14,883
3,605
7,264
9,908
2,643 16,292
17,116
824
(Note) Stocks in other securities (available-for-sale securities) that have market prices are stated at their average market prices during
the final month of the fiscal year, and bonds and others that have market prices are stated at their fiscal year-end market prices.
(注)
時価は、株式については期末前1か月の市場価格等の平均に基づいて算定された額に、またそれ以外については、期末日における市場価格に
基づいております。
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
(Millions of yen）
As of Mar 31, 2016
As of Sep 30, 2015
As of Mar 31, 2015
Unrealized valuation gains Unrealized valuation gains
(losses)
(losses)
Unrealized valuation gains (losses)
(A)
満期保有
目
的
Bonds
債
券
Others
その他
Other (available- その他有
for-sale)
価証券
Stocks
株
式
Bonds
債
券
Others
その他
Total
合
計
Stocks
株
式
Bonds
債
券
Others
その他
Held-to-maturity
(A)-(B)
(A)-(C)
Valuation Valuation
gains
losses
(B)
Valuation Valuation
gains
losses
(C)
Valuation Valuation
gains
losses
13,840
3,740
3,794
13,840
－
10,099
10,099
－
10,045
10,045
－
13,781
3,789
3,896
13,781
－
9,991
9,991
－
9,885
9,885
－
58
(48)
(101)
58
－
107
107
－
160
160
－
68,225
19,364
4,326
72,825
4,600
48,860
52,596
3,736
63,898
65,536
1,638
26,030
(1,740)
(6,604)
26,717
686
27,771
28,343
572
32,635
33,101
466
30,974
17,042
15,843
31,283
308
13,932
14,451
519
15,130
15,478
347
11,219
4,062
(4,912)
14,825
3,605
7,156
9,800
2,643
16,131
16,956
824
82,065
23,105
8,121
86,666
4,600
58,959
62,695
3,736
73,944
75,582
1,638
26,030
(1,740)
(6,604)
26,717
686
27,771
28,343
572
32,635
33,101
466
44,756
20,832
19,739
45,064
308
23,923
24,443
519
25,016
25,363
347
11,278
4,013 (5,014) 14,883
3,605
7,264
9,908
2,643 16,292
17,116
824
(Note) Stocks in other securities (available-for-sale securities) that have market prices are stated at their average market prices during
the final month of the fiscal year, and bonds and others that have market prices are stated at their fiscal year-end market prices.
(注)
時価は、株式については期末前1か月の市場価格等の平均に基づいて算定された額に、またそれ以外については、期末日における市場価格に
基づいております。
- 20 -
V　Retirement Benefits
1. Retirement Benefit Obligation, etc.
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
FY 2015
(A)
退職給付債務残高 (42,576)
(A)-(B)
(3,866)
FY 2014
(B)
(38,709)
（退職金制度割引率）
1.0%
－
1.0%
（年金制度割引率）
0.3%
(0.9%)
1.2%
(Japanese)
Projected retirement benefit obligation ①
(Discount rate for retirement benefit）
(Discount rate for pension plan)
Fair value of plan assets ②
年金資産時価総額
53,061
444
52,617
Unrecognized prior service cost ③
未認識過去勤務債務
(1,012)
144
(1,157)
Unrecognized actuarial differences ④
未認識数理計算上の差異
3,314
5,163
(1,849)
Sub total (①＋②＋③＋④)
貸借対照表計上額の純額
12,786
1,886
10,899
Prepaid pension cost
うち前払年金費用
12,786
1,886
10,899
Reserve for employee retirement benefits
うち退職給付引当金
－
－
－
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
(Millions of yen）
FY 2015
(A)
退職給付債務残高 (42,752)
(A)-(B)
(3,879)
FY 2014
(B)
(38,872)
（退職金制度割引率）
1.0%
－
1.0%
（年金制度割引率）
0.3%
(0.9%)
1.2%
(Japanese)
Projected retirement benefit obligation ①
(Discount rate for retirement benefit）
(Discount rate for pension plan)
Fair value of plan assets ②
年金資産時価総額
53,199
441
52,757
Sub total (①＋②)
連結貸借対照表計上額の純額
10,446
(3,438)
13,884
Net defined benefit asset
うち退職給付に係る資産
10,446
(3,438)
13,884
Net defined benefit liability
うち退職給付に係る負債
－
－
－
2. Retirement Benefit Costs
【The Ashikaga Bank, Ltd. (Non-consolidated basis)】
(Millions of yen）
FY 2015
(A)
退職給付費用
1,156
(A)-(B)
(809)
FY 2014
(B)
1,966
(Japanese)
Retirement benefit costs
Service cost
勤
務
費
用
1,815
(102)
1,918
Interest cost
利
息
費
用
442
(10)
452
Expected return on plan assets
期
益
(1,736)
(444)
(1,291)
Amortization of prior service cost
過去勤務債務償却
(144)
－
(144)
Recognized actuarial gain or loss
数理計算上の差異償却
767
(249)
1,017
Other retirement cost
そ
12
(2)
14
待
運
用
の
収
他
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
(Millions of yen）
FY 2015
(A)
退職給付費用
1,157
(Japanese)
Retirement benefit costs
- 21 -
(A)-(B)
(812)
FY 2014
(B)
1,969
Ⅵ　Tax Effect
Breakdown of sources for deferred tax assets and liabilities
【Ashikaga Holdings Co., Ltd. (Consolidated basis)】
(Millions of yen）
Tax loss carryforwards
FY 2015
(Japanese)
(A)
税務上の繰越欠損金
1,593
Liability for retirement benefits
退職給付に係る負債
Allowance for loan losses
貸
Write-offs of securities
有
Other
そ
FY 2014
(A)-(B)
(B)
(5,362)
6,956
3,493
994
2,499
金
14,440
(1,204)
15,644
券
11,592
(693)
12,285
他
5,968
911
5,056
Subtotal deferred tax assets ①
繰延税金資産小計
37,087
(5,354)
42,441
Less valuation allowance　②
評
額
(21,049)
6,574
(27,623)
Total of deferred tax assets　③ (①＋②)
繰延税金資産合計
16,038
1,220
14,818
Unrealized gains on
available-for-sale securities
その他有価証券評価差額金
19,697
504
19,193
Property revaluations in preparing
consolidated financial statements
連結時固定資産簿価修正
737
(40)
777
Other
そ
他
93
76
16
Total deferred tax liabilities ④
繰延税金負債合計
20,528
540
19,988
Net deferred tax assets (③－④)
繰延税金資産の純額
(4,490)
679
(5,170)
倒
引
価
当
証
の
価
- 22 -
性
の
引
当

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