Contents

Financial Results for the first half of Fiscal 2005 (ended September 30, 2005)
Contents
1 中間決算情報(連結)Consolidated Financial Information for the first half of Fiscal 2005
1.Consolidated Balance Sheets
1
2.Consolidated Statements of Income
2
3.Consolidated Statements of Retained Earnings
3
4.Consolidated Statements of Cash Flows
4
2 中間決算情報(単体)Non-Consolidated Financial Information for the first half of Fiscal 2005
1.Non-Consolidated Balance Sheets
5
2.Non-Consolidated Statements of Income
6
3 中間決算付属資料 Financial Data for the first half of Fiscal 2005
1.Income Status
7
2.Banking Profit
9
3.Interest Rate Spread
9
4.Gains and Losses on Securities
9
5.Capital Adequacy Ratio
10
6.Return on Equity
10
7.Deferred Tax Assets
11
8.Gains and Losses on Valuation of Securities
12
[Loans and Other Assets Information]
1.Loans Outstanding
13
2.Risk Managed Loans
15
3.Reserve for Possible Loan Losses
15
4.Ratio to Reserve for Total Risk Managed Loans
16
5.Problem Loans Disclosed under the Financial Revitalization Law
16
6.Coverage of Problem Loans Disclosed under the Financial Revitalization Law
16
7.Loans to Entities Overseas by Country
17
8.Loan Portfolio
17
[Deposits and Other Liabilities Information]
1.Deposits Outstanding
19
2.Individual Custody Assets
19
Consolidated Financial Information for the first half of Fiscal 2005
1. Consolidated Balance Sheets
(Millions of yen)
科 目
Item
Assets
Cash and due from banks
Call loans and bills purchased
Financial receivables purchased
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Premises and equipment
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Allowance for investment losses
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills sold
Deposits received for bonds lending / borrowing transactions
Trading liabilities
Borrowed money
Foreign exchanges
Bonds
Due to trust account
Other liabilities
Allowance for severance and retirement benefits
Deferred tax liabilities for land revaluation reserve
Acceptances and guarantees
Total liabilities
Minority interests
Minority interests in consolidated subsidiaries
Stockholders' equity
Common stock
Capital surplus
Retained earnings
Land revaluation reserve, net of tax
Net unrealized holding gains on securities available for sale
Foreign currency translation adjustments
Common stock in treasury
Total stockholders’ equity
Total liabilities, minority interests and Stockholders’ equity
As of
September
30,2005
(A)
(Japanese only)
(
現
資
産
の
金
預
部
け
入
金
銭
債
特
定
取
引
資
有
価
貸
金
そ
動
産
替
資
不
延
税
支
払
承
貸
為
他
繰
倒
産
券
金
国
の
権
証
出
外
動
金
諾
引
産
産
資
産
見
返
当
金
投 資 損 失 引 当 金
資
(
産
の
部
合
負
債
の
部
預
譲
計
性
預
金
コールマネー及び売渡手形
債券貸借取引受入担保金
特
定
取
借
引
負
用
外
国
債
金
為
替
社
債
信
託
勘
定
借
そ
の
他
負
債
退 職 給 付 引 当 金
再評価に係る繰延税金負債
支
負
払
債
承
の
部
諾
合
As of March
31,2005
(C)
(A)-(C)
190,898 280,713 (89,815) 247,294 (56,396)
(2,712)
333
12,561
9,516
9,849
8,447
9,789
6,413
5,071
14,860
(4,678)
614
12,862
7,570
8,184
1,833,699 1,478,904 354,795 1,602,371 231,328
(2,385)
70,302 3,885,115
3,882,730 3,812,428
44
4,033
4,975
986
5,019
8,382
38,155
33,981
4,208
42,363
(1,924)
(658)
89,764
91,030
89,106
(7,141)
24,190
38,132 (21,083)
17,049
(2,923)
(1,768)
88,034
89,189
86,266
(61,105)
320
4,680
(56,425) (56,745)
(8)
8
6,123,603 5,796,102 327,501 5,953,068 170,535
)
金
渡
(A)-(B)
)
コールローン及び買入手形
買
As of
September
30,2004
(B)
計
5,104,809 5,022,424
65,362
74,321
9,259
176,173
74,831
121,830
5,142
5,162
98,182
85,214
258
318
154,000 151,000
23
26
26,998
30,114
1,219
77
18,180
17,870
89,189
86,266
5,856,185 5,562,073
82,385 5,130,825
8,959
76,421
166,914
49,252
46,999
59,999
20
9,992
(12,968)
91,284
60
177
3,000 149,000
3
32
3,116
30,060
(1,142)
604
(310)
17,983
(2,923)
88,034
294,112 5,703,667
(26,016)
(2,100)
126,921
61,831
(4,830)
(6,070)
141
5,000
(6)
54
(527)
(113)
(1,768)
152,518
( 小 数 株 主 持 分 )
小
(
数
株
資
本
資
主
持
の
部
本
分
)
金
資
本
剰
余
金
利
益
剰
余
金
土 地 再 評 価 差 額 金
その他有価証券評価差額金
為 替 換 算 調 整 勘 定
自
資
己
本
の
株
部
式
合
計
負債、少数株主持分及び資本の部合計
Amounts less than one millions have been omitted.
1
54,573
54,573
54,573
1
30,636
30,635
30,636
14,501 105,929
8,768
114,697 100,196
(447)
(163)
25,878
26,162
25,715
19,466
32,699
22,698
9,465
42,164
(0)
(0)
(0)
(132)
(316)
(238)
(54)
(370)
33,388 249,401
18,016
267,417 234,029
6,123,603 5,796,102 327,501 5,953,068 170,535
2. Consolidated Statements of Income
(Millions of yen)
First half of
FY 2005
(A)
科 目
Item
(Japanese only)
Operating income
経
Interest income
資
常
金
収
運
用
収
First half of
FY 2004
(B)
(A)-(B)
FY 2004
益
72,268
72,047
221
143,926
益
54,211
52,294
1,917
103,187
Interest on loans and discounts
( う ち 貸
)
40,160
41,497
(1,337)
82,406
Interest and dividends on securities
( うち 有 価 証 券 利 息 配 当 金 )
10,357
9,063
1,294
17,211
酬
28
12
16
33
益
11,649
10,965
684
21,676
益
778
711
67
1,994
出
金
利
息
Trust fees
信
Fees and commissions
役
Trading income
特
Other operating income
そ
の
他
業
務
収
益
3,153
3,579
(426)
6,823
Other income
そ
の
他
経
常
収
益
2,448
4,484
(2,036)
10,211
Operating Expenses
経
用
56,053
59,112
(3,059)
118,765
Interest expense
資
用
9,329
6,152
3,177
12,732
4,788
2,362
2,426
5,056
Interest on deposits
(
託
務
報
取
引
定
取
等
引
常
金
う
収
費
調
ち
収
達
預
金
費
利
息
)
Fees and commissions
役
務
取
引
等
費
用
3,719
3,748
(29)
7,971
Other operating expenses
そ
の
他
業
務
費
用
1,178
3,604
(2,426)
5,099
General and administrative expenses
営
費
30,307
30,549
(242)
59,976
Other expenses
そ
用
11,518
15,056
(3,538)
32,985
Operating Profits
経
常
利
益
16,214
12,935
3,279
25,161
Extraordinary gains
特
別
利
益
111
5,604
(5,493)
5,836
Extraordinary losses
特
別
損
失
236
4,633
(4,397)
5,153
Income before income taxes
税金等調整前中間(当期)純利益
16,089
13,906
2,183
25,844
Provision for income taxes and others
法 人 税 、住 民 税 及 び 事 業 税
5,728
2,067
3,661
201
Deferred income taxes
法
額
467
3,409
(2,942)
10,201
Net income
中 間 ( 当 期 ) 純 利 益
9,893
8,430
1,463
15,441
業
の
人
他
税
経
経
常
等
調
費
整
Amounts less than one millions have been omitted.
2
3. Consolidated Statements of Retained Earnings
First half of First half of
FY 2004
FY 2005
(B)
(A)
科 目
Item
Capital surplus
(Millions of yen)
(Japanese only)
FY 2004
(A)-(B)
( 資 本 剰 余 金 の 部 )
Capital surplus balance at beginning of period
資 本 剰 余 金 期 首 残 高
30,636
30,635
Increase in capital surplus
資 本 剰 余 金 増 加 高
0
0
1
Gains on disposition of common stock in treasury
自 己 株 式 処 分 差 益
0
0
1
Decrease in capital surplus
資 本 剰 余 金 減 少 高
Capital surplus at term-end
資本剰余金中間期末(期末)残高
30,636
30,635
1
30,636
14,765
91,164
Retained earnings
1
30,635
( 利 益 剰 余 金 の 部 )
Retained earnings balance at beginning of period
利 益 剰 余 金 期 首 残 高
105,929
91,164
Increase in retained earnings
利 益 剰 余 金 増 加 高
10,328
10,593
Net income
中 間 ( 当 期 ) 純 利 益
9,893
8,430
Increase in affiliated companies applicable to the equity method
持分法適用会社の増加による増加高
272
Reversal of land revaluation reserve
土 地 再 評 価 差 額 金 取 崩 額
162
2,163
利 益 剰 余 金 減 少 高
1,561
1,561
3,123
1,561
1,561
3,123
Decrease in retained earnings
Cash dividends paid
Consolidated retained earnings balance at term-end
配
当
金
利益剰余金中間期末(期末)残高
Amounts less than one millions have been omitted.
3
(265)
1,463
17,888
15,441
272
114,697 100,196
(2,001)
14,501
2,446
105,929
4. Consolidated Statements of Cash Flows
(Millions of yen)
First half of First half of
FY 2005
FY 2004
(A)
(B)
科 目
Item
(Japanese only)
Cash flows from operating activities
Income before income taxes
Depreciation and amortization
Impairment losses
Equity in losses (gains) of affiliated companies
Net change in reserve for possible loan losses
Net change in allowance for losses on sale of securities
Net change in allowance for severance and retirement benefits
Interest income
Interest expenses
Net (gains) losses on securities transactions
Net (gains) losses from disposition of premises and equipment
The amount of securities contributed to severance and retirement benefit trust
Net change in trading assets
Net change in trading liabilities
Net change in loans
Net change in deposits
Net change in negotiable certificates of deposit
Net change in borrowed money excluding the amount for subordinated loans
Net change in due from banks excluding the amount for BANK OF JAPAN
Net change in call loans and bills purchased
Net change in call money and bills sold
Net change in deposits received for bonds lending / borrowing transactions
Net change in foreign exchanges (asset account)
Net change in foreign exchanges (liability account)
Interest received
Interest paid
Other-net
Sub total
Income taxes paid
Net cash provided by operating activities
Ⅰ 営 業 活 動によるキャッシュ・フロー
税金等調整前中間(当期)純利益
Cash flows from investing activities
Purchases of securities
Proceeds from sales of securities
Proceeds from maturity of securities
Purchases of premises and equipment
Proceeds from sales of premises and equipment
Net cash used in investing activities
Ⅱ 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
Cash flows from finacing activities
Proceeds from subordinated loans
Proceeds from issuance of subordinated bonds and bonds with stock subscription rights
Repayment of subordinated bonds and bonds with stock subscription rights
Dividends paid
Purchases of common stock in treasury
Proceeds from sale of common stock in treasury
Net cash used in financing activities
Ⅲ 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
Foreign currency translation adjustments
Net change in cash and cash equivalents
Cash and cash equivalents at beginning of period
Cash and cash equivalents at term-end
Ⅳ 現金及び現金同等物に係る換算差額
Ⅴ 現金及び現金同等物の増加額
減
価
減
償
却
損
費
損
失
持 分 法 に よ る 投 資 損 益
貸 倒 引 当 金 の 増 加 額
16,089
1,934
100
(434)
(4,679)
投 資 損 失 引 当 金 の 増 加 額
退 職 給 付 引 当 金 の 増 加 額
資
資
有
金
運
金
価
用
調
証
収
達
券
関
費
係
損
益
用
益
動 産 不 動 産 処 分 損 益
(526)
(54,211)
9,329
(1,503)
21
退 職 給 付 信 託 解 除 額
特 定 取 引 資 産 の 純 増 減
特 定 取 引 負 債 の 純 増 減
貸
預
出
金
金
の
の
純
純
増
増
減
減
譲 渡 性 預 金 の 純 増 減
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
コー ル ローン 等 の 純 増 減
コー ル マ ネー 等 の 純 増 減
債券貸借取引受入担保金の純増減
外 国 為 替( 資 産 )の 純 増 減
外 国 為 替( 負 債 )の 純 増 減
資 金 運 用 に よ る 収 入
資 金 調 達 に よ る 支 出
そ
の
法
他
小
人
税
計
等
の
支
払
額
営 業 活 動によるキャッシュ・フロー
有 価 証 券 の 売 却 に よる 収 入
有 価 証 券 の 償 還 に よる 収 入
動 産 不 動 産 の 取 得 に よる 支 出
動 産 不 動 産 の 売 却 に よる 収 入
投 資 活 動によるキャッシュ・フロー
劣後特約付社債・新株予約権付社債の発行による収入
劣後特約付社債・新株予約権付社債の償還による支出
配
当
金
支
払
額
自 己 株 式 の 取 得 による 支 出
自 己 株 式 の 売 却 による 収 入
財 務 活 動によるキャッシュ・フロー
Ⅵ 現 金 及び 現 金 同 等 物の期 首 残 高
Ⅶ 現金及び現金同等物の中間期末(期末)残高
Amounts less than one million have been omitted
4
4,678
(4,829)
2,384
(26,016)
(2,099)
(4,069)
4,085
(2,358)
126,921
61,830
(985)
141
55,632
(8,329)
(19,742)
153,363
(191)
153,172
13,906
1,699
3,976
(30)
5,726
(0)
(2,707)
(52,294)
6,152
(2,817)
653
(9,414)
3,619
(2,907)
38,236
(23,374)
(3,577)
(4,939)
(3,962)
1,349
(7,080)
(3,243)
(1,048)
21
55,180
(6,257)
(15,554)
(8,687)
(22)
(8,710)
(A)-(B)
FY 2004
25,844
2,183
3,561
235
(3,876)
4,186
(61)
(404)
(10,405)
10,085
(9)
0
(3,322)
2,181
(1,917) (103,187)
12,732
3,177
(5,366)
1,314
(632)
724
(9,414)
9,414
(1,672)
1,059
(1,922)
1,942
(35,852) (34,449)
(2,642)
85,025
7,481
1,478
(3,837)
870
(3,420)
8,047
(5,071)
(3,707)
32,911
134,001
(18,075)
65,073
(106)
63
(59)
120
107,940
452
(2,072) (13,331)
(4,188) (13,242)
77,809
162,050
(144)
(169)
77,665
161,882
(593,614) (688,607) 94,993 (1,275,588)
319,161 497,674 (178,513) 766,723
67,804 222,803 (154,999) 432,977
(700)
(1,880)
(844)
144
(77)
428
1,728
505
(206,920) 31,531 (238,451) (76,039)
(2,000)
20,000
(15,000)
(1,559)
(38)
1
1,402
(2,000)
12,000
8,000
(1,000) (14,000)
(1,560)
1
(39)
1
(2)
3
9,403 (8,001)
(8,000)
12,000
(3,000)
(3,120)
(121)
8
(2,234)
(27)
35
62
(52,310) 32,287 (84,597)
(589)
242,103 242,692
189,793 274,980 (85,187)
19
(588)
242,692
242,103
Non-Consolidated Financial Information for the first half Fiscal 2005
1. Non-Consolidated Balance Sheets
(Millions of yen)
科 目
Item
Assets
Cash and due from banks
Call loans
Financial receivables purchased
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Premises and equipment
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Allowance for investment losses
Total Assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money
Deposits received for bonds lending/borrowing transactions
Bills sold
Trading liabilities
Borrowed money
Foreign exchanges
Bonds
Due to trust account
Other liabilities
Allowance for severance and retirement benefits
Deferred tax liabilities for land revaluation reserve
Acceptances and guarantees
Total liabilities
Stockholders' equity
Common stock
Capital surplus
Capital reserve
Other capital surplus
Gains on disposition of common stock in treasury
Retained earnings
Legal earned reserve
Voluntary reserve
Unappropriated profit
Net income
Land revaluation reserve, net of tax
Net unrealized holding gains on securities available for sale
Common stock in treasury
Total Stockholders’ equity
Total liabilities and stockholders’ equity
As of
As of
September September
30,2005(A) 30,2004(B)
(Japanese only)
(
現
資
産
の
金
預
コ
ー
ル
買
入
金
特
定
取
有
部
け
ロ
価
貸
国
ン
銭
債
権
引
資
産
証
券
為
替
金
そ
の
他
資
産
動
産
不
動
産
繰
延
税
金
資
産
支
払
承
諾
見
返
貸
倒
引
当
金
投 資 損 失 引 当 金
資
(
産
の
部
合
負
債
の
部
預
譲
コ
計
ー
性
ル
預
マ
ネ
金
ー
債券貸借取引受入担保金
売
特
渡
定
手
取
借
引
形
負
用
外
国
債
金
為
替
社
債
信
託
勘
定
借
そ
の
他
負
債
退 職 給 付 引 当 金
再評価に係る繰延税金負債
支
負
(
払
諾
債
の
部
合
資
本
の
部
資
資
承
本
本
資
本
計
余
準
備
金
金
その 他 資 本 剰 余 金
自己 株 式 処 分 差 益
利
益
剰
余
金
利
益
準
備
金
任
意
積
立
金
中間(当期)未処分利益
中間(当期)純利益
土 地 再 評 価 差 額 金
その他有価証券評価差額金
自
資
己
本
株
の
部
式
合
計
負債及び資本の部合計
Amounts less than one millions have been omitted.
5
(89,815) 247,294 (56,396)
12,561 (2,712)
333
9,789
5,071
8,447
12,862 (4,678)
614
354,043 1,602,797 230,603
70,302 3,885,115 (2,385)
986
4,033
44
4,192
37,629
8,121
(1,930) 89,698
(659)
(21,082) 24,106 (7,133)
77 107,034
3,232
321 (61,101)
4,677
8
329,483 5,971,822 174,797
5,105,250 5,022,981
74,456
65,602
37,273
9,259
121,830
74,831
138,900
5,162
5,142
109,214 119,182
318
258
130,000 130,000
26
23
29,989
26,840
1,149
17,870
18,180
110,266 110,189
5,880,560 5,583,642
82,269 5,131,326 (26,076)
8,854
76,611 (2,155)
28,014
48,752 (11,479)
46,999
59,999 61,831
138,900
500 138,400
20
9,992 (4,830)
(9,968) 110,284 (1,070)
60
141
177
130,000
(6)
3
32
3,149
29,814
175
(1,149)
(531)
531
(310) 17,983
(113)
77 107,034
3,232
296,918 5,723,040 157,520
)
金
剰
190,898 280,713
9,849
9,516
14,860
6,413
8,184
7,570
1,833,400 1,479,357
3,882,730 3,812,428
5,019
4,975
41,821
33,700
89,039
90,969
16,973
38,055
110,266 110,189
(56,424) (56,745)
(8)
6,146,619 5,817,136
)
金
渡
(A)-(C)
)
金
ー
出
外
(A)-(B)
As of March
31,2005
(C)
54,573
54,573
54,573
30,636
1
30,636
30,635
30,634
30,634
30,634
1
1
1
0
1
1
1
0
113,347
8,038
99,665 13,682 105,309
40,153
40,153
40,153
61,604
47,104 14,500
47,104 14,500
(818) 18,052 (6,462)
11,590
12,408
15,215 (5,779)
9,436
1,144
8,292
(447)
(163)
26,162
25,878
25,715
32,694
42,134
9,440
22,689 19,445
(116)
(310)
(348)
(38)
(232)
266,058 233,494 32,564 248,782 17,276
6,146,619 5,817,136 329,483 5,971,822 174,797
2. Non-Consolidated Statements of Income
(Millions of yen)
First half
First half
of FY 2005 of FY 2004
(A)
(B)
科 目
Item
(Japanese only)
Operating Income
経
Interest income
資
常
金
収
運
用
収
(A)-(B)
FY 2004
益
71,634
71,665
(31) 143,136
益
54,213
52,295
1,918 103,188
41,497 (1,337)
Interest on loans and discounts
( うち 貸 出 金 利 息 )
40,160
Interest and dividends on securities
(うち有価証券利息配当金)
10,359
9,064
1,295
17,212
82,406
Trust fees
信
酬
28
12
16
33
Fees and commissions
役 務 取 引 等 収 益
11,447
10,614
833
20,949
Trading income
特
益
778
711
67
1,994
Other operating income
そ の 他 業 務 収 益
3,153
3,579
(426)
6,823
Other income
そ の 他 経 常 収 益
2,014
4,451 (2,437)
10,147
Operating Expenses
経
Interest expense
資
託
定
取
報
引
常
金
収
費
調
達
費
58,944 (3,046) 118,333
用
55,898
用
9,354
6,174
3,180
12,773
Interest on deposits
( うち 預 金 利 息 )
4,788
2,362
2,426
5,056
Fees and commissions
役 務 取 引 等 費 用
3,667
3,546
121
7,567
Other operating expenses
そ の 他 業 務 費 用
1,178
3,604 (2,426)
5,099
General and administrative expenses
営
費
30,267
30,574
(307)
59,920
Other expenses
そ の 他 経 常 費 用
11,431
15,044 (3,613)
32,972
Operating Profits
経
常
利
益
15,736
12,720
24,803
Extraordinary gains
特
別
利
益
111
5,604 (5,493)
5,836
Extraordinary losses
特
別
損
失
234
4,629 (4,395)
5,136
Income before income taxes
税引前中間(当期)純利益
15,614
13,695
1,919
25,503
Provision for income taxes and others
法人税、住民税及び事業税
5,718
2,006
3,712
92
Deferred income taxes
法 人 税 等 調 整 額
459
Net income
中 間( 当 期 )純 利 益
Unappropriated profit brought forward
前
業
経
3,016
3,395 (2,936)
10,195
9,436
8,292
1,144
15,215
益
1,991
1,952
39
1,952
Reversal of land revaluation excess
土地再評価差額金取崩額
162
Cash dividends paid
中
Uhappropriated profit
中 間( 当期 )未 処 分 利 益
Amounts less than one millions have been omitted.
6
期
間
繰
越
配
利
当
2,163 (2,001)
2,446
1,561
額
11,590
12,408
(818)
18,052
Financial Data for the first half of Fiscal 2005
1. Income Status
(Non-Consolidated)
(Millions of yen)
First half of FY 2005
科 目
Item
(Japanese only)
Gross banking profit
Core gross banking profit
Domestic gross banking profit
Core gross banking profit
Interest income
Fees and commissions
Trading income
Other operating income
Gains (losses) from securities
International gross banking profit
Core gross banking profit
Interest income
Fees and commissions
Trading income
Other operating income
Gains (losses) from securities
業
務
粗
利
(A)
益
( うちコ ア 業 務 粗 利 益 )
国 内 業 務 粗 利 益
(うちコア 業 務 粗 利 益 )
資
金
利
益
役 務 取 引 等 利 益
特 定 取 引 利 益
そ の 他 業 務 利 益
(うち債 券 関 係 損 益 )
国 際 業 務 粗 利 益
(うちコア 業 務 粗 利 益 )
資
金
利
益
役 務 取 引 等 利 益
特 定 取 引 利 益
そ の 他 業 務 利 益
(うち債 券 関 係 損 益 )
Expenses
Personnel expenses
Non-personnel expenses
Taxes
経 費( 除く臨 時 処 理 分 )
Banking profit (before transfer to general reserve for possible loan losses)
Core banking profit
Transfer to general reserve for possible loan losses 1
Banking profit(after transfer to general reserve for possible loan losses)
Gains (losses) from securities
Non-recurrent (gains) losses
Gains (losses) on stocks
Gains on sales of stocks
Losses on sales of stocks
Write-off amount of stocks
Disposal of non-performing loans 2
Write-off amount of loans
Net transfer to specific reserve for possible loan losses
Losses on sales of loans to credit
Credit cost ( 1 2 )
Other non-recurrent (gains) losses
Operating Profits
Extraordinary gains (losses)
Net gains (losses) on severance and retirement benefits
Gains on return of the substitutional portion of the Japanese government pension program
Gains related to introduction of the defined contribution pension plan
Gains on securities contributed to severance and retirement benefits
Net (gains) losses from fixed assets
Net gains from disposition of premises and equipment
Net losses from disposition of premises and equipment
Impairment losses
Income before income taxes
Provision for income taxes and others
Deferred income taxes
実
人
件
費
物
件
費
税
Net income
業
務
純
( コ ア 業 務 純 益 )
業
務
純
益
( うち 債 券 関 係 損 益 )
臨
時
損
益
株 式 等 関 係 損 益
株 式 等 売 却 益
株 式 等 売 却 損
株
式
等
償
却
不 良 債 権 処 理 額 ②
貸
出
金
償
却
個別貸倒引当金繰入額
貸出債権売却損等
(与信費用①+②)
そ の 他 臨 時 損 益
経
常
利
益
特
別
損
益
うち 退 職 給 付 関 係 損 益
代
行
返
上
益
確定拠出年金制度移行に伴う利益
退職給付信託解除益
うち 固 定 資 産 関 係 損 益
動産不動産処分益
動産不動産処分損
減
損
損
失
税 引 前 中 間 純 利 益
法人税、住民税及び事業税
法 人 税 等 調 整 額
間
純
利
[Note] Core banking profit excludes gains / losses from securities, transfer to general reserve for possible loan losses.
Banking profit excludes transfer to general reserve for possible loan losses.
7
益
一 般 貸 倒引 当 金 繰 入 額 ①
中
.
.
金
質
55,420
54,442
50,676
49,822
41,888
7,517
142
1,128
854
4,743
4,620
2,970
291
636
845
123
29,868
14,430
13,640
1,797
25,551
24,573
6,745
18,805
977
(3,069)
525
1,958
1,388
44
2,901
3,339
(3,336)
2,898
9,647
(693)
15,736
(122)
益
(121)
105
126
100
15,614
5,718
459
9,436
(A)-(B)
1,532
(310)
910
(123)
(810)
704
(163)
1,178
1,032
622
(187)
(452)
24
230
820
808
(341)
(5)
(170)
(167)
1,873
30
8,659
(6,788)
1,841
9,803
(2,833)
(2,215)
643
(25)
(12,811)
620
(13,230)
(200)
(4,150)
(174)
3,016
(1,096)
(5,600)
(912)
(1,735)
(2,951)
4,508
105
(527)
(3,876)
1,919
3,712
(2,936)
1,144
First half
of FY 2004
(B)
53,888
54,752
49,766
49,945
42,698
6,813
305
(50)
(178)
4,121
4,807
3,422
267
406
25
(685)
30,209
14,435
13,810
1,964
23,678
24,543
(1,914)
25,593
(864)
(12,872)
3,358
4,173
745
69
15,712
2,719
9,894
3,098
13,797
(519)
12,720
974
5600
912
1,735
2,951
(4,629)
0
653
3,976
13,695
2,006
3,395
8,292
(Consolidated)
(Millions of yen)
(A)
(A)-(B)
First half
of FY 2004
(B)˚
益
55,592
1,535
54,057
First half of FY 2005
科 目
Item
(Japanese only)
Consolidated gross banking profit
連
結
粗
利
Interest income
資
益
44,881
Fees and commisions
役 務 取 引 等 利 益
7,957
729
7,228
Trading income
特 定 取 引 利 益
778
67
711
Other operating income
そ の 他 業 務 利 益
1,974
1,998
金
利
(1,260) 46,141
(24)
General and administrative expenses
営
費
30,307
(242) 30,549
Write-off and reserve expenses
貸 倒 償 却 引 当 費 用
9,644
(4,153) 13,797
業
経
3,339
620
2,719
Write-off amount of loans
貸
Net transfer to specific reserve for possible loan losses
個別貸倒引当金繰入額
Net transfer to general reserve for possible loan losses
一般貸倒引当金繰入額
6,745
Losses on sales of loans to credit
貸出債権売却損等
2,898
(200)
3,098
Gains (losses) on stocks
株 式 等 関 係 損 益
525
(2,833)
3,358
Equity in gains (losses) of affiliated companies
持 分 法 による 投 資 損 益
434
404
30
Others
そ
(385)
(222)
(163)
Operating Profits
経
常
利
益
Extraordinary gains (losses)
特
別
損
益
Income before income taxes
税金等調整前中間純利益
16,089
2,183
13,906
Provision for income taxes and others
法人税、住民税及び事業税
5,728
3,661
2,067
Deferred income taxes
法 人 税 等 調 整 額
467
(2,942)
3,409
Net income
中
1,463
8,430
出
金
償
の
間
却
他
純
利
益
(3,339) (13,233)
16,214
8,659
3,279
(124) (1,095)
9,893
9,894
(1,914)
12,935
971
[Note] Consolidated gross banking profit=(Interest income-Interest expenses)+(Fees and commissions income-Fees and commissions expenses)+
(Trading income-Trading expenses)+(Other operating income-Other operating expenses)
[Reference : Consolidated Core Banking Profit]
(Millions of yen)
First half of FY 2005
科 目
Item
(Japanese only)
Consolidated core banking profit
(A)
連 結 コ ア 業 務 純 益
(A)-(B)
24,705
(32)
First half
of FY 2004
(B)
24,737
[Note] Consolidated core banking profit = Non-consolidated core banking profit+Subsidiaries, gross banking profit-Subsidiaries, general and administrative expensesinternal trading
[Reference : Number of Consolidated Subsidiaries]
(Number of companies)
First half of FY 2005
科 目
Item
(Japanese only)
(A)
(A)-(B)
First half
of FY 2004
(B)
Number of consolidated subsidiaries
連
数
5
1
4
Number of affiliated companies applicable to the equity methood
持 分 法 適 用 会 社 数
5
2
3
8
結
子
会
社
2. Banking Profit (Non-Consolidated)
(Millions of yen)
First half of FY 2005
科 目
Item
(Japanese only)
Core banking profit
コ
Per head (in thousands of yen)
ア
業
務
(A)
純
益
職 員 一 人 当たり( 千 円 )
Banking profit (before transfer to general reserve for possible loan losses)
実
Per head (in thousands of yen)
質
業
務
純
益
職 員 一 人 当たり( 千 円 )
Banking profit
業
Per head (in thousands of yen)
務
純
益
職 員 一 人 当たり( 千 円 )
(A)-(B)
First half
of FY 2004
(B)˚
24,573
30
24,543
8,757
387
8,370
25,551
1,873
23,678
9,106
1,031
8,075
18,805
6,701
(6,788) 25,593
(2,027)
8,728
3. Interest Rate Spread [Domestics Operations](Non-Consolidated)
First half of FY 2005
科 目
Item
(Japanese only)
Average yield on interest earnigs assets 1
(A)
資 金 運 用 利 回 ①
(A)-(B)
First half
of FY 2004
(B)˚
1.70% (0.08%)
1.78%
Average yield on loans and bills discounted
貸
回
2.02% (0.08%)
2.10%
Average yield on securities
有 価 証 券 利 回
0.93% (0.03%)
0.96%
資 金 調 達 原 価 ②
1.24% (0.05%)
1.29%
Average yield on interest bearing liabilities 2
Average yield on deposits and negotiable certificates of deposit
預
出
金
金
等
利
利
回
0.05%
0.05%
利
Average interst rate spread on loans and deposits
預
鞘
0.81% (0.05%)
0.86%
Average interest rate spread 1
総 資 金 利 鞘 ① −②
0.46% (0.03%)
0.49%
2
貸
金
4. Gains and Losses on Securities (Non-Consolidated)
(Millions of yen)
First half of FY 2005
科 目
Item
(Japanese only)
(Gains) losses on bonds (National government bonds,etc.)
(A)
国債等債券関係損益
977
(A)-(B)
1,841
First half
of FY 2004
(B)˚
(864)
Gains on sales
売
却
益
2,156
(584)
2,740
Losses on sales
売
却
損
1,178
(2,426)
3,604
Write-offs
償
却
(Millions of yen)
科 目
Item
(Japanese only)
Gains (losses) on stocks
(A)-(B)
First half
of FY 2004
(B)˚
525
(2,833)
3,358
(2,215)
4,173
First half of FY 2005
(A)
株 式 等 関 係 損 益
Gains on sales
売
却
益
1,958
Losses on sales
売
却
損
1,388
Write-offs
償
却
44
9
643
745
(25)
69
5. Capital Adequacy Ratio (Consolidated)
(Billions of yen)
As of September 30,2005 As of March
31,2005
(A)
(A)-(B)
(B)
科 目
Item
(Japanese only)
Capital adequacy ratio
率
9.54%
0.18%
9.36%
うち 基 本 的 項 目 比 率
5.54%
0.20%
5.34%
自
Tier capital adequacy ratio
己
資
本
比
TierⅠ
①
基
本
的
項
目
①
197.9
8.7
189.2
TierⅡ
②
補
完
的
項
目
②
143.0
0.7
142.3
Land revaluation reserve included as qualifying capital
うち自己資本に計上された土地再評価差額
19.6
(0.1)
19.7
Subordinated loans
うち劣 後ローン( 債 券 )残 高
101.1
0.6
100.5
Deduction
③
Investment in the capital of other financial institutions
Capital
③
0.2
0.2
(他の金融機関の資本調達手段の意図的な保有相当額)
0.2
0.2
自 己 資 本 ①+②−③
340.7
9.3
331.4
3,568.6
30.6
3,538.0
控
①+②−③
Risk assets
リ
除
ス
項
ク
目
ア
セ
ッ ト
[Notes:] Capital Adequacy Ratio (Non-Consolidated)
(Billions of yen)
As of September 30,2005 As of March
31,2005
(A)
(A)-(B)
(B)
科 目
Item
(Japanese only)
Capital adequacy ratio
率
9.51%
0.16%
9.35%
うち 基 本 的 項 目 比 率
5.51%
0.18%
5.33%
自
Tier capital adequacy ratio
己
資
本
比
TierⅠ
①
基
本
的
項
目
①
196.6
8.0
188.6
TierⅡ
②
補
完
的
項
目
②
143.0
0.7
142.3
Land revaluation reserve included as qualifying capital
うち自己資本に計上された土地再評価差額
19.6
(0.1)
19.7
Subordinated loans (bonds)
うち 劣 後 ロ ーン
(債券)
残高
101.1
0.6
100.5
Deduction
③
Investment in the capital of other financial institutions
Capital
③
0.2
0.2
(他の金融機関の資本調達手段の意図的な保有相当額)
0.2
0.2
自 己 資 本 ①+②−③
339.4
8.7
330.7
3,567.6
29.9
3,537.7
控
①+②−③
Risk assets
リ
除
ス
項
ク
ア
目
セ
ッ ト
6. Return On Equity (Non-Consolidated)
First half of FY 2005
科 目
Item
(Japanese only)
(A)
(A)-(B)
First half
of FY 2004
(B)
Core banking profit basis
コ ア 業 務 純 益 ベ ー ス
19.04% (2.17%) 21.21%
Banking profit basis (before transfer to general reserve for possible loan losses)
実 質 業 務 純 益 ベ ー ス
19.79% (0.67%) 20.46%
Banking profit basis
業
14.57% (7.54%) 22.11%
Net income basis
中 間 純 利 益 ベ ー ス
ROE =
務
純
益
ベ
ー
ス
7.31%
(Core banking profit).(Banking profit (before transfer to general reserve for possible loan losses).(Banking profit).(Net income)
(Stockholders, equity at beginnig of period + Stockholders, equity at term-end)/2
10
0.15%
183
365
×
7.16%
7. Deferred Tax Assets (Non-Consolidated)
(Billions of yen)
科 目
Item
Total deferred tax assets
As of September 30,2005 As of March
31,2005
(A)
(A)-(B)
(B)
(Japanese only)
①
税効果資本にかかる繰延税金資産①
Balance of taxable reserve for possible loan losses and write-down of securities,etc. ② = ①÷ effective rate of tax
上記繰延税金資産の対象額(注)②=①÷実効税率
Core banking profit
コ
③
Balance of taxable reserve for possible loan losses and write-down of securities,etc./Core banking profit ②÷③
ア
業
務
純
益
③
繰延税金資産の対象額/コア業務純益②÷③
46.3
(0.5)
46.8
112.8
(1.4)
114.2
49.0
1.2
47.8
2.3years (0.1years) 2.4years
[Breakdown of cause of deferred tax assets and liabilities]
(Billions of yen)
As of September 30,2005 As of March
31,2005
(A)
(A)-(B)
(B)
科 目
Item
(Japanese only)
Reserve for possible loan losses
貸
金
40.2
0.4
39.8
Write-down of securities
有 価 証 券 評 価 損
2.9
(0.2)
3.1
Allowance for severance and retirement benefit
退 職 給 付 引 当 金
1.7
(0.6)
2.3
Net operating losses carry forward
税務上の繰越欠損金
(0.4)
0.4
Others
そ
Deferred tax assets
Losses on securities contributed to severance and retirement benefit trust
Deferred tax liabilities
倒
引
の
当
他
4.1
0.2
3.9
将来減算一時差異にかかる繰延税金資産合計
48.9
(0.6)
49.5
退職給付信託設定益・解除益
(2.6)
0.1
(2.7)
将来加算一時差異にかかる繰延税金負債合計
(2.6)
0.1
(2.7)
Total deferred tax assets
税効果資本にかかる繰延税金資産
46.3
(0.5)
46.8
Total deferred tax liabilities
その他有価証券評価差額にかかる繰延税金負債
(29.3)
(6.6)
(22.7)
繰 延 税 金 資 産 の 純 額
17.0
(7.1)
24.1
Net deferred tax assets
11
8. Gains and Losses on Valuation of Securities
(1) Valuation Basis of Securities
① Securities
Trading securities
売買目的有価証券
Market value method
(variances are recognized as gains/losses)
Held to maturity securities
満期保有目的有価証券
Depreciation cost method
Other securities
その他有価証券
Market value method
(variances are all directly transferred stockholders’ equity account)
Subsidiary and affiliate stock
② Securities
子会社株式
及び関連会社株式
時価法
(評価差額を損益処理)
償却原価法
時価法
(評価差額を全部資本直入)
Cost method
原価法
in money held in trust are not applicable.
(2) Gains and Losses on Valuation
(Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
As of March 31,2005
Gains (losses) on valuation
Gains (losses) on valuation
(Japanese only)
(A)
(A)-(B)
gains
losses
(B)
gains
losses
Held to maturity securities
満 期 保 有 目 的
Other securities
そ の 他 有 価 証 券
71,413
15,999
79,902
8,488
55,414
60,529
5,114
Total
合
計
71,413
15,999
79,902
8,488
55,414
60,529
5,114
61,847
23,821
64,179
2,331
38,026
40,814
2,787
5,397
4,462
12,070
12,146
76
10,325
1,694
5,317
7,568
2,250
Stocks
株
式
Bonds
債
券
Others
そ
の
他
935 (11,135)
8,630
3,313
[Note] 1. "Others" include trust beneficial interest included in "Financial receivables purchased" in addition to "Seculities".
2. " Others" are valued of market price. Consequently,figures in the above table show the differences between the acquisition cost and the balance sheet amount.
3. Variance of "Others" are 42,164 million yen as of September 30,2005.
(Non-Consolidated)
(Millions of yen)
科 目
Item
(Japanese only)
(A)
As of September 30,2005
As of March 31,2005
Gains (losses) on valuation
Gains (losses) on valuation
(A)-(B)
gains
losses
(B)
gains
losses
Held to maturity securities
満 期 保 有 目 的
Subsidiary and affiliate Stock
子会社・関連会社株式
Other securities
そ の 他 有 価 証 券
71,413 15,999
79,902
8,488 55,414
60,529
5,114
Total
合
計
71,413 15,999
79,902
8,488 55,414
60,529
5,114
61,847 23,821
64,179
2,331 38,026
40,814
2,787
5,397
4,462 12,070
12,146
76
7,568
2,250
Stocks
株
式
Bonds
債
券
Others
そ
の
他
935 (11,135)
8,630
3,313
10,325
1,694
5,317
[Note] 1. "Others" include trust beneficial interest included in "Financial receivables purchased" in addition to "Securities".
2. "Others" are valued of market price. Consequently,figures in the above table show the differences between the acquisition cost and the balance sheet amount.
3. Variance of "Others" are 42,134 million yen as of September 30,2005.
12
[ Loans and Other Assets Information ]
1. Loans outstanding
(1) Loans outstanding (Non-Consolidated)
(Billions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Loans outstanding (term-end balance)
貸 出 金 残 高( 未 残 )
3,882.7
(2.4)
3,885.1
Loans outstanding (average balance)
貸 出 金 残 高( 平 残 )
3,942.0
(16.9)
3,958.9
(2) Breakdown of Loans outstanding for our Hometown Area (Non-Consolidated)
(Billions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
Loans outstanding in Hiroshima Prefecture
広
Shares in Hiroshima prefecture
島
県
県内における貸出シェア
(A)
(A)- (B)
As of
March
31,2005(B)
2,685.3
(11.9)
2,697.2
33.6% (0.1%)
33.7%
Loans outstanding in Okayama Prefecture
岡
山
県
255.1
1.6
253.5
Loans outstanding in Yamaguchi Prefecture
山
口
県
124.1
(0.2)
124.3
Loans outstanding in Ehime Prefecture
愛
媛
県
245.5
(1.3)
246.8
Total
合
計
3,310.0
(11.8)
3,321.8
[Note] Hometown area means Hiroshima, Okayama, Yamaguchi, and Ehime Prefectures.
(3) Individual Loans (Non-Consolidated)
(Billions of yen)
科 目
Item
(A)- (B)
As of
March
31,2005(B)
As of September 30,2005
(Japanese only)
(A)
Individual loans
個 人 ロ ー ン 残 高
965.0
11.5
953.5
Housing loans
うち 住 宅 ロ ー ン 残 高
689.0
9.5
679.5
Other loans
うちその 他 ローン 残 高
276.0
2.0
274.0
(4) Breakdown of Individual Loans for our Hometown Area (Non-Consolidated)
(Billions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Individual loans in Hiroshima Prefecture
広
島
県
826.4
9.0
817.4
Individual loans in Okayama Prefecture
岡
山
県
76.1
1.9
74.2
Individual loans in Yamaguchi Prefecture
山
口
県
33.4
1.3
32.1
Individual loans in Ehime Prefecture
愛
媛
県
19.9
0.1
19.8
(5) Loans outstanding to Small-and Medium-sized Businesses and Individuals (Non-Consolidated)
科 目
Item
(Japanese only)
As of September 30,2005
(A)
(A)- (B)
(Billions of yen)
As of
March
31,2005(B)
Loans outstanding to small-and medium-sized businesses and individuals
中小企業等貸出残高
3,052.0
(10.1)
3,062.1
Ratio to total loans and bill discounted
中小企業等貸出比率
79.0%
(0.1%)
79.1%
13
(6) Breakdown of Loans outstanding to Small-and Medium-sized Businesses and Individuals for our Hometown Area (Non-Consolidated)
(Billions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Loans outstanding to small-and medium-sized businesses and
individuals in Hiroshima Prefecture
広
島
県
2,305.5
Loans outstanding to small-and medium-sized businesses and
individuals in Okayama Prefecture
岡
山
県
230.0
2.4
227.6
Loans outstanding to small-and medium-sized businesses and
individuals in Yamaguchi Prefecture
山
口
県
116.2
(0.2)
116.4
Loans outstanding to small-and medium-sized businesses and
individuals in Ehime Prefecture
愛
媛
県
218.2
0.7
217.5
(8.3) 2,313.8
(7) Breakdown of Loans outstanding insured by the Association for our Hometown Area (Non-Consolidated)
(Billions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Loans outstanding insured by the Association
in Hiroshima Prefecture
広
島
県
188.2
8.0
180.2
Loans outstanding insured by the Association
in Okayama Prefecture
岡
山
県
16.0
0.8
15.2
Loans outstanding insured by the Association
in Yamaguchi Prefecture
山
口
県
8.5
0.3
8.2
Loans outstanding insured by the Association
in Ehime Prefecture
愛
媛
県
5.4
(0.1)
5.5
14
2. Risk Managed Loans
(Non-Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
Loans to debtors legally bankrupt
破
Other delinquent loans
延
Loans past due 3 months or more
3 ヵ月 以 上 延 滞 債 権
Restructured loans
貸 出 条 件 緩 和 債 権
Total Risk managed loans
リスク 管 理 債 権 合 計
綻
先
滞
債
債
権
権
(A)- (B)
(648)
4,582
As of
March
31,2005(B)
5,230
83,479 (25,665) 109,144
(538)
5,384
79,783 11,697
68,086
4,846
172,692 (15,153) 187,845
(Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
Loans to debtors legally bankrupt
破
Other delinquent loans
延
Loans past due 3 months or more
3 ヵ月 以 上 延 滞 債 権
Restructured loans
貸 出 条 件 緩 和 債 権
Total Risk managed loans
リスク 管 理 債 権 合 計
綻
先
滞
債
債
権
権
(A)- (B)
(648)
4,582
As of
March
31,2005(B)
5,230
83,479 (25,665) 109,144
(538)
4,846
79,783 11,697
5,384
68,086
172,692 (15,153) 187,845
.
.
[Notes] Hiroshima Bank adopts partial direct write-off.
Hiroshima Bank has adopted the uniform non-accrual loan accounting method for loans to customers in the self-assessment categories.
3. Reserve for Possible Loan Losses
(Non-Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
(4,677) 61,101
金
56,424
General reserve for possible loan losses
一 般 貸 倒 引 当 金
30,214
Specific reserve for possible loan losses
個 別 貸 倒 引 当 金
26,209 (11,423) 37,632
Reserve for specific foreign borrowers / countries
特定海外債権引当勘定
Reserve for possible loan losses
貸
倒
引
当
6,746
(Consolidated)
23,468
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
(4,680) 61,105
金
56,425
General reserve for possible loan losses
一 般 貸 倒 引 当 金
30,214
Specific reserve for possible loan losses
個 別 貸 倒 引 当 金
26,210 (11,426) 37,636
Reserve for specific foreign borrowers / countries
特定海外債権引当勘定
Reserve for possible loan losses
貸
15
倒
引
当
6,746
23,468
4. Ratio to Reserve for Total Risk Managed Loans
(Non-Consolidated)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Before partial direct write-off
部 分 直 接 償 却 前
49.1%
1.5%
47.6%
After partial direct write-off
部 分 直 接 償 却 後
32.6%
0.1%
32.5%
(Consolidated)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Before partial direct write-off
部 分 直 接 償 却 前
49.1%
1.5%
47.6%
After partial direct write-off
部 分 直 接 償 却 後
32.6%
0.1%
32.5%
5. Problem Loans Disclosed under the Financial Revitalization Law
(Non-Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
(206) 27,097
Loans to bankrupt and quasi-bankrupt loans
破産更生債権及びこれらに準ずる債権
26,891
Doubtful loans
危
権
61,552 (27,169) 88,721
Substandard loans
要
権
84,629
total 1
合
険
管
債
理
計
債
①
11,159
73,470
173,073 (16,216) 189,289
6. Coverage of Problem Loans Disclosed under the Financial Revitalization Law
(Non-Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
Coverage amount 2
カ
バ
ー
額
(A)
②
(A)- (B)
As of
March
31,2005(B)
123,221 (11,249) 134,470
Portion covered by reserve 3
貸 倒引 当 金 ③
48,330
(4,431)
52,761
Portion covered by collateral
担保保証等による保全部分
74,890
(6,819)
81,709
Spesific reserve for loan losses
特定債務者引当金
開 示 額に対するカバー率 ② / ①
71.2%
0.2%
71.0%
(参考:部分直接償却前のカバー率)
78.3%
0.8%
77.5%
Excluding collateral and guarantees 4
担保保証等による保全のない部分 ④
98,183
Coverage ratio 3
引 当 率 ③ / ④
49.2%
Coverage ratio to disclosed totals 2
1
Coverage ratio before partial direct write-off
4
16
(9,397) 107,580
0.2%
49.0%
7. Loans to Entities Overseas by Country
(1) Loans to Asian Countries (Non-Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
Malaysia
マ
Risk-managed loans
レ
ー
シ
(A)
ア
(A)- (B)
141
(21)
As of
March
31,2005(B)
162
(うち リスク管理債権)
(2) Loans to Latin American Countries (Non-Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
The Federative Republic of Brazil
(A)
0
ブラジ ル 連 邦 共 和 国
Risk-managed loans
(A)- (B)
As of
March
31,2005(B)
0
(うち リスク管理債権)
8. Loan Portfolio
(1) Classification of Loans by Type of Industry (Non-Consolidated)
(Millions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
国内店分(除く特別国際金融取引勘定) 3,861,730
Domestic (excluding JOM account)
As of
March
31,2005(B)
(7,385) 3,869,115
業
643,538
(8,582)
652,120
農
業
3,185
(59)
3,244
Forestry
林
業
500
59
441
Fishery
漁
業
847
(38)
885
Mining
鉱
業
2,934
161
2,773
Construction
建
194,569 (17,763)
212,332
Electricity, gas and water
電気・ガス・熱供給・水道業
17,901
(2,788)
20,689
Telecommunication
情
業
17,708
1,490
16,218
Transportation
運
輸
業
172,093
(4,888)
176,981
Wholesale
卸
売
業
244,282
(1,002)
245,284
Retail services
小
売
業
225,788
(5,043)
230,831
Financial and insurance services
金 融 ・ 保 険 業
292,285 23,366
268,919
Retail estate
不
業
498,502 (10,287)
508,789
Services
各 種 サ ー ビ ス
430,708 (10,412)
441,120
Municipal government
地 方 公 共 団 体
128,818
6,440
122,378
Others
そ
988,064 21,964
966,100
Manufacturing
製
Agriculture
17
造
設
報
通
動
業
信
産
の
他
(2) Breakdown of Classification of Loans by Type of Industry for our Hometown Area (Non-Consolidated)
科 目
Item
広 島 県
(Japanese only)
Total
合
岡 山 県
山 口 県
(Billions of yen)
愛 媛 県
Hiroshima Prefecture Okayama Prefecture Yamaguchi Prefecture Ehime Prefecture
計
2,685.3
255.1
124.1
245.5
業
431.2
49.9
26.9
39.1
Manufacturing
製
Agriculture
農
業
2.5
0.1
0.2
0.4
Forestry
林
業
0.4
0
0.1
0
Fishery
漁
業
0.7
0
0
0.2
Mining
鉱
業
2.4
0.2
0.3
0
Construction
建
業
139.8
19.1
10.6
9.6
Electricity, gas and water
電気・ガス・熱供給・水道業
13.7
0.1
0.2
1.5
Telecommunication
情
業
12.6
0.8
0.2
0.2
Transportation
運
輸
業
102.1
4.3
3.9
39.6
Wholesale
卸
売
業
162.7
24.9
11.4
14.0
Retail services
小
売
業
152.5
20.5
15.0
17.8
Financial and insurance services
金 融 ・ 保 険 業
105.2
2.3
0
1.6
Retail estate
不
業
391.6
32.6
6.8
11.2
Services
各 種 サ ー ビ ス
317.3
31.1
15.1
23.0
Municipal government
地 方 公 共 団 体
67.8
0.1
0
0
Others
そ
782.8
69.1
33.4
87.3
造
設
報
通
動
信
産
の
他
(3) Classification of Risk Managed Loans by type of industry (Non-Consolidated)
科 目
Item
(Japanese only)
(A)
国
内
店
分
(除く特別国際金融取引勘定)
Domestic (excluding JOM account)
(Millions of yen)
As of September 30,2005
(A)- (B)
As of
March
31,2005(B)
172,692 (15,153)
187,845
40,571 (10,780)
51,351
Manufacturing
製
Agriculture
農
業
164
(338)
502
Forestry
林
業
14
7
7
Fishery
漁
業
172
(175)
347
Mining
鉱
業
0
(210)
210
Construction
建
業
6,690
(7,822)
14,512
Electricity, gas and water
電気・ガス・熱供給・水道業
Telecommunication
情
業
748
628
120
Transportation
運
輸
業
6,343
(86)
6,429
Wholesale
卸
売
業
22,381
(1,483)
23,864
Retail services
小
売
業
5,877
(677)
6,554
Financial and insurance services
金 融 ・ 保 険 業
2,352
1,985
367
Real estate
不
業
50,316
1,517
48,799
Services
各 種 サ ー ビ ス
30,106
2,636
27,470
Municipal government
地 方 公 共 団 体
Others
そ
6,952
(353)
7,305
18
造
業
設
報
通
動
信
産
の
他
[ Deposits and Other Liabilities Information ]
1. Deposits outstanding
(1) Deposits outstanding (Non-Consolidated)
(Billions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
Deposits outstanding (term-end balance)
預 金 残 高( 末 残 )
5,105.3
Deposits outstanding (average balance)
預 金 残 高( 平 残 )
5,148.3
(A)- (B)
(26.0) 5,131.3
94.3
(2) Breakdown of Deposits outstanding for our Hometown Area
5,054.0
(Billions of yen)
As of September 30,2005
(A)
(A)- (B)
As of
March
31,2005(B)
県
4,389.4
(16.0)
4,405.4
県内における預金シェア
37.4%
(0.1%)
37.5%
科 目
Item
(Japanese only)
Deposits outstanding in Hiroshima Prefecture
As of
March
31,2005(B)
広
Shares in Hiroshima Prefecture
島
Deposits outstanding in Okayama Prefecture
岡
山
県
256.4
(9.1)
265.5
Deposits outstanding in Yamaguchi Prefecture
山
口
県
159.5
4.9
154.6
Deposits outstanding in Ehime Prefecture
愛
媛
県
148.4
(4.6)
153.0
Total
合
計
4,953.7
(24.8)
4,978.5
[Note] Hometown Area means Hiroshima,Okayama,Yamaguchi and Ehime Prefectures.
2. Individual Custody Assets
(1) Outstanding Individual Custody Assets (Non-Consolidated)
(Billions of yen)
As of September 30,2005
科 目
Item
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Outstanding individual custody assets
個 人 預り資 産 残 高
3,848.2
65.8 3,782.4
Individual deposits
個
人
預
金
3,441.0
11.5 3,429.5
Investment trusts
投
資
信
託
151.5
11.9
139.6
Public bonds (National government bonds, etc.)
公 共 債( 国 債 等 )
176.4
25.7
150.7
Pension insurance
年
険
74.4
16.0
58.4
Foreign bonds, Structured bonds, etc.
外 債・仕 組 債 等
4.9
0.7
4.2
19
金
保
(2) Breakdown of outstanding Individual Custody Assets for our Hometown Area
【 広 島 県 】
Hiroshima Prefecture
(Billions of yen)
As of September 30,2005
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Outstanding individual custody assets
個 人 預り資 産 残 高
3,353.5
63.4 3,290.1
Individual deposits
個
人
預
金
2,998.7
16.0 2,982.7
Investment trusts
投
資
信
託
131.4
10.7
120.7
Public bonds (National government bonds, etc.)
公 共 債( 国 債 等 )
153.3
21.5
131.8
Pension insurance
年
険
66.0
14.6
51.4
Foreign bonds, Structured bonds, etc.
外 債・仕 組 債 等
4.1
0.6
3.5
金
保
(Billions of yen)
As of September 30,2005
【 岡 山 県 】
Okayama Prefecture
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Outstanding individual custody assets
個 人 預り資 産 残 高
202.8
(1.2)
204.0
Individual deposits
個
人
預
金
183.2
(3.9)
187.1
Investment trusts
投
資
信
託
9.0
0.7
8.3
Public bonds (National government bonds, etc.)
公 共 債( 国 債 等 )
6.7
1.4
5.3
Pension insurance
年
険
3.7
0.5
3.2
Foreign bonds, Structured bonds, etc.
外 債・仕 組 債 等
0.2
0.1
0.1
金
保
(Billions of yen)
As of September 30,2005
【 山 口 県 】
Yamaguchi Prefecture
(Japanese only)
(A)
(A)- (B)
As of
March
31,2005(B)
Outstanding individual custody assets
個 人 預り資 産 残 高
138.7
5.0
133.7
Individual deposits
個
人
預
金
119.8
2.9
116.9
Investment trusts
投
資
信
託
7.1
0.2
6.9
Public bonds (National government bonds, etc.)
公 共 債( 国 債 等 )
8.5
1.2
7.3
Pension insurance
年
険
3.2
0.6
2.6
Foreign bonds, Structured bonds, etc.
外 債・仕 組 債 等
0.1
0.1
0
金
保
(Billions of yen)
As of September 30,2005
【 愛 媛 県 】
Ehime Prefecture
(Japanese only)
(A)
Outstanding individual custody assets
個 人 預り資 産 残 高
Individual deposits
個
人
預
Investment trusts
投
資
信
Public bonds (National government bonds, etc.)
(A)- (B)
As of
March
31,2005(B)
102.0
0.8
101.2
金
91.2
(0.8)
92.0
託
3.0
0.1
2.9
公 共 債( 国 債 等 )
6.4
1.4
5.0
Pension insurance
年
険
1.3
0.2
1.1
Foreign bonds, Structured bonds, etc.
外 債・仕 組 債 等
0.1
(0.1)
0.2
20
金
保