|
1.
|
English translation of the Japanese-language FY2015 Third Quarter Consolidated Financial Results for the period ended December 31, 2015, as filed by the registrant with the Tokyo Stock Exchange on February 3, 2016.
|
The Bank of Yokohama, Ltd.
|
||||
By: | /s/ Kenichi Kawamura | |||
Name: | Kenichi Kawamura | |||
Title: |
Director, Managing Executive Officer
|
|||
Company Name:
|
The Bank of Yokohama, Ltd.
|
Stock Exchange Listing:
|
Tokyo
|
Code Number:
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8332
|
URL:
|
http://www.boy.co.jp/
|
Representative:
|
Representative Director, President Tatsumaro Terazawa
|
||
Quarterly Securities Report (Shihanki Hokokusho) Issuing Date:
|
February 4, 2016
|
||
Commencement of Dividend Payment:
|
-
|
||
Trading Accounts:
|
Established | ||
Supplemental Information for Quarterly Financial Statements:
|
Available
|
||
Quarterly Investor Meeting Presentation:
|
Not Scheduled
|
(1) Operating Results | (Unit: Millions of Yen, except per share data and percentages) | ||||||||||||||||||||
Ordinary Income
|
Ordinary Profit
|
Profit Attributable to Owners of Parent
|
|||||||||||||||||||
Nine months ended December 31, 2015
|
239,884 |
6.6
|
% | 85,409 | 0.3 | % | 55,879 | 3.5 | % | ||||||||||||
Nine months ended December 31, 2014
|
224,978 |
4.0
|
% | 85,086 | 14.0 | % | 53,967 | 16.9 | % |
(Note 1)
|
Comprehensive Income: Nine months ended December 31, 2015: ¥48,171 million [(45.7%)];
|
(Note2)
|
Percentages shown in Ordinary Income, Ordinary Profit, Profit Attributable to Owners of Parent and Comprehensive Income are the increase (decrease) from the same period previous year.
|
Net Income per Share
|
Net Income per Share (Diluted)
|
||||||||
Nine months ended December 31, 2015
|
¥ | 45.36 | ¥ | 45.34 | |||||
Nine months ended December 31, 2014
|
¥ | 42.64 | ¥ | 42.62 |
(2) Financial Position | (Unit: Millions of Yen, except percentages) | |||||||||||
Total Assets
|
Total Net Assets
|
Own Capital Ratio
|
||||||||||
December 31, 2015
|
15,746,728 | 1,017,451 | 6.1 | % | ||||||||
March 31, 2015
|
15,377,845 | 1,010,495 | 6.2 | % |
(Reference)
|
Own Capital: December 31, 2015: ¥971,862 million; March 31, 2015: ¥965,213 million
|
(Note)
|
Own Capital Ratio = (Total Net Assets - Subscription Rights to Shares - Non-controlling Interests) / Total Assets
|
Annual Cash Dividends per Share
|
||||||||||||||
1st Quarter-End
|
2nd Quarter-End
|
3rd Quarter-End
|
Fiscal Year-End
|
Total
|
||||||||||
Fiscal year ended March 31, 2015
|
-
|
¥ | 5.50 |
-
|
¥ | 7.50 | ¥ | 13.00 | ||||||
Fiscal year ending March 31, 2016
|
-
|
¥ | 5.50 |
-
|
||||||||||
Fiscal year ending March 31, 2016 (Forecasts)
|
¥ | 8.50 | ¥ | 14.00 |
(Note 1)
|
Revision of forecasts for dividends from the latest announcement: No
|
(Note2)
|
Year-End Dividend for Fiscal year ending March 31, 2016 (Forecasts) includes a Special Dividend of ¥ 3.00.
|
Ordinary Profit
|
Profit Attributable to Owners of Parent
|
Net Income per Share
|
||||||||||||||||||
Fiscal year ending March 31, 2016
|
116,500 | 7.7 | % | 76,500 | 0.2 | % | ¥ | 62.33 |
(Note 1)
|
Percentages shown in Ordinary Profit and Profit Attributable to Owners of Parent are the increase (decrease) from the same period previous year.
|
(Note 2)
|
Revisionof earnings forecasts from the latest announcement: No
|
(A) Changes in accounting policies due to revision of accounting standards:
|
Yes
|
(B) Changes in accounting policies due to reasons other than (A):
|
No
|
(C) Changes in accounting estimates:
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No
|
(D) Restatements:
|
No
|
(A) Number of stocks issued (including treasury stocks):
|
December 31, 2015
|
1,254,071,054 shares
|
March 31, 2015
|
1,254,071,054 shares
|
(B) Number of treasury stocks:
|
December 31, 2015
|
39,999,321 shares
|
March 31, 2015
|
7,855,711 shares
|
(C) Average outstanding stocks for the nine months ended:
|
December 31, 2015
|
1,231,662,654 shares
|
December 31, 2014
|
1,265,409,533 shares
|
1.
|
The description of future performance of this report is based on information, which is presently available and certain assumptions which are considered to be reasonable, and it does not guarantee future performance. Please take note that future performance may differ from forecasts.
|
2.
|
Average outstanding stocks for this period which are used to calculate net income per share for the fiscal year ending March 31, 2016 is based on the average of ‘Average outstanding stocks for the nine months ended December 31, 2015’, which is indicated ‘(4)Number of common stocks issued’ above, and ‘Average outstanding stocks from January 1, 2016 to March 31, 2016 (forecast)’.
|
1.
|
Qualitative Information Regarding Consolidated Financial Statements for the Nine Months Ended December 31, 2015
|
(1)
|
Qualitative Information Regarding Operating Results
|
(2)
|
Qualitative Information Regarding Financial Position
|
(3)
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Information Regarding Consolidated Earnings Forecasts
|
2.
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Summary Information (Note)
|
(1)
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Changes in Accounting Policies, Accounting Estimates, and Restatements
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(a)
|
The difference arising from a change in the Bank’s ownership interests in a subsidiary over which the Bank continues to have control is recognized in Capital surplus.
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(b)
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Acquisition-related costs are expensed in the period incurred.
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(c)
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For a business combination occurring on or after April 1, 2015, an adjustment to the provisional amounts arising from the finalization of the tentative accounting treatment relating to the purchase price allocation is retrospectively recognized in the consolidated financial statements for the accounting period in which the combination occurs.
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3.
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Consolidated Financial Statements
|
(1)
|
Consolidated Balance Sheets
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(Unit: Millions of Yen)
|
||||||||
As of March 31, 2015
|
As of December 31, 2015
|
|||||||
Assets:
|
||||||||
Cash and due from banks
|
2,303,301 | 2,301,056 | ||||||
Call loans and bills bought
|
273,006 | 267,044 | ||||||
Monetary claims bought
|
124,369 | 105,981 | ||||||
Trading assets
|
15,233 | 9,318 | ||||||
Securities
|
2,460,453 | 2,502,662 | ||||||
Loans and bills discounted
|
9,724,053 | 9,990,345 | ||||||
Foreign exchanges
|
7,315 | 6,626 | ||||||
Lease receivables and investment assets
|
65,028 | 64,123 | ||||||
Other assets
|
115,104 | 213,131 | ||||||
Tangible fixed assets
|
125,136 | 129,260 | ||||||
Intangible fixed assets
|
12,205 | 11,824 | ||||||
Net defined benefit asset
|
32,392 | 38,232 | ||||||
Deferred tax assets
|
5,150 | 4,447 | ||||||
Customers' liabilities for acceptances and guarantees
|
182,209 | 165,802 | ||||||
Allowance for loan losses
|
(67,115 | ) | (63,131 | ) | ||||
Total assets
|
15,377,845 | 15,746,728 | ||||||
Liabilities:
|
||||||||
Deposits
|
12,121,479 | 12,093,842 | ||||||
Negotiable certificates of deposit
|
106,960 | 271,282 | ||||||
Call money and bills sold
|
777,299 | 1,000,255 | ||||||
Payables under securities lending transactions
|
247,651 | 201,941 | ||||||
Trading liabilities
|
609 | 136 | ||||||
Borrowed money
|
695,315 | 828,173 | ||||||
Foreign exchanges
|
56 | 367 | ||||||
Other liabilities
|
193,190 | 124,426 | ||||||
Provision for directors' bonuses
|
69 | - | ||||||
Net defined benefit liability
|
253 | 283 | ||||||
Provision for reimbursement of deposits
|
1,653 | 1,496 | ||||||
Provision for contingent losses
|
774 | 736 | ||||||
Reserves under special laws
|
11 | 13 | ||||||
Deferred tax liabilities
|
22,353 | 23,056 | ||||||
Deferred tax liabilities for land revaluation
|
17,461 | 17,461 | ||||||
Acceptances and guarantees
|
182,209 | 165,802 | ||||||
Total liabilities
|
14,367,349 | 14,729,276 | ||||||
Net assets:
|
||||||||
Capital stock
|
215,628 | 215,628 | ||||||
Capital surplus
|
177,244 | 177,244 | ||||||
Retained earnings
|
430,668 | 470,293 | ||||||
Treasury shares
|
(5,090 | ) | (29,005 | ) | ||||
Total shareholders’ equity
|
818,450 | 834,161 | ||||||
Valuation difference on available-for-sale securities
|
109,501 | 99,283 | ||||||
Deferred gains or losses on hedges
|
41 | 13 | ||||||
Revaluation reserve for land
|
36,060 | 36,060 | ||||||
Remeasurements of defined benefit plans
|
1,159 | 2,343 | ||||||
Total accumulated other comprehensive income
|
146,762 | 137,701 | ||||||
Subscription rights to shares
|
314 | 249 | ||||||
Non-controlling interests
|
44,967 | 45,338 | ||||||
Total net assets
|
1,010,495 | 1,017,451 | ||||||
Total liabilities and net assets
|
15,377,845 | 15,746,728 |
(For the nine months ended)
|
(Unit: Millions of Yen) | |||||||
For the nine months ended
December 31, 2014 |
For the nine months ended
December 31,2015 |
|||||||
Ordinary income
|
224,978 | 239,884 | ||||||
Interest income
|
124,312 | 123,262 | ||||||
Of which, interest on loans and bills discounted
|
99,820 | 95,794 | ||||||
Of which, interest and dividends on securities
|
20,253 | 22,743 | ||||||
Fees and commissions
|
48,049 | 47,612 | ||||||
Trading income
|
1,764 | 2,408 | ||||||
Other ordinary income
|
45,873 | 58,072 | ||||||
Other income
|
4,978 | 8,528 | ||||||
Ordinary expenses
|
139,891 | 154,474 | ||||||
Interest expenses
|
5,999 | 7,336 | ||||||
Of which, interest on deposits
|
3,347 | 3,595 | ||||||
Fees and commissions payments
|
8,245 | 8,459 | ||||||
Other ordinary expenses
|
37,252 | 51,865 | ||||||
General and administrative expenses
|
85,303 | 82,997 | ||||||
Other expenses
|
3,091 | 3,815 | ||||||
Ordinary profit
|
85,086 | 85,409 | ||||||
Extraordinary income
|
3,649 | 8 | ||||||
Gain on disposal of non-current assets
|
3,128 | 8 | ||||||
Gain on bargain purchase
|
520 | - | ||||||
Extraordinary losses
|
1,429 | 393 | ||||||
Loss on disposal of non-current assets
|
1,426 | 391 | ||||||
Other
|
2 | 2 | ||||||
Income before income taxes
|
87,307 | 85,024 | ||||||
Income taxes-current
|
26,195 | 22,245 | ||||||
Income taxes-deferred
|
3,788 | 5,545 | ||||||
Total income taxes
|
29,984 | 27,791 | ||||||
Profit
|
57,322 | 57,232 | ||||||
Profit attributable to non-controlling interests
|
3,354 | 1,353 | ||||||
Profit attributable to owners of parent
|
53,967 | 55,879 |
(For the nine months ended)
|
(Unit: Millions of Yen) | |||||||
For the nine months ended
December 31, 2014 |
For the nine months ended
December 31,2015 |
|||||||
Profit
|
57,322 | 57,232 | ||||||
Other comprehensive income
|
31,501 | (9,061 | ) | |||||
Valuation difference on available-for-sale securities
|
29,796 | (10,217 | ) | |||||
Deferred gains or losses on hedges
|
(77 | ) | (27 | ) | ||||
Remeasurements of defined benefit plans
|
1,782 | 1,183 | ||||||
Comprehensive income
|
88,824 | 48,171 | ||||||
(Comprehensive income attributable to)
|
||||||||
Comprehensive income attributable to owners of parent
|
85,188 | 46,817 | ||||||
Comprehensive income attributable to non-controlling interests
|
3,636 | 1,353 |
(3)
|
Notes on Going Concern Assumption
|
(4)
|
Notes for Significant Changes in the Amount of Shareholders’ Equity
|
(Unit: Millions of Yen) | ||||||||
As of March 31, 2015
|
As of December 31, 2015
|
|||||||
Assets:
|
||||||||
Cash and due from banks
|
2,299,181 | 2,296,353 | ||||||
Call loans
|
273,006 | 267,044 | ||||||
Monetary claims bought
|
117,416 | 97,914 | ||||||
Trading assets
|
15,233 | 9,318 | ||||||
Securities
|
2,461,869 | 2,504,388 | ||||||
Loans and bills discounted
|
9,778,038 | 10,036,282 | ||||||
Foreign exchanges
|
7,315 | 6,626 | ||||||
Other assets
|
87,452 | 185,726 | ||||||
Tangible fixed assets
|
126,047 | 130,655 | ||||||
Intangible fixed assets
|
10,696 | 10,598 | ||||||
Prepaid pension costs
|
30,682 | 34,776 | ||||||
Customers' liabilities for acceptances and guarantees
|
54,678 | 50,181 | ||||||
Allowance for loan losses
|
(57,284 | ) | (53,403 | ) | ||||
Total assets
|
15,204,334 | 15,576,464 | ||||||
Liabilities:
|
||||||||
Deposits
|
12,158,517 | 12,125,271 | ||||||
Negotiable certificates of deposit
|
126,960 | 291,282 | ||||||
Call money
|
777,299 | 1,000,255 | ||||||
Payables under securities lending transactions
|
247,651 | 201,941 | ||||||
Trading liabilities
|
609 | 136 | ||||||
Borrowed money
|
710,193 | 841,289 | ||||||
Foreign exchanges
|
56 | 367 | ||||||
Other liabilities
|
140,327 | 73,783 | ||||||
Income taxes payable
|
10,807 | 7,916 | ||||||
Asset retirement obligations
|
22 | 37 | ||||||
Other
|
129,497 | 65,829 | ||||||
Provision for directors' bonuses
|
69 | - | ||||||
Provision for reimbursement of deposits
|
1,653 | 1,496 | ||||||
Provision for contingent losses
|
774 | 736 | ||||||
Deferred tax liabilities
|
22,613 | 22,465 | ||||||
Deferred tax liabilities for land revaluation
|
17,461 | 17,461 | ||||||
Acceptances and guarantees
|
54,678 | 50,181 | ||||||
Total liabilities
|
14,258,865 | 14,626,670 | ||||||
Net assets:
|
||||||||
Capital stock
|
215,628 | 215,628 | ||||||
Capital surplus
|
177,244 | 177,244 | ||||||
Legal capital surplus
|
177,244 | 177,244 | ||||||
Retained earnings
|
413,864 | 453,149 | ||||||
Legal retained earnings
|
38,384 | 38,384 | ||||||
Other retained earnings
|
375,479 | 414,765 | ||||||
Reserve for advanced depreciation of non-current assets
|
2,585 | 2,585 | ||||||
General reserve
|
118,234 | 118,234 | ||||||
Retained earnings brought forward
|
254,660 | 293,945 | ||||||
Treasury shares
|
(5,090 | ) | (29,005 | ) | ||||
Total shareholders’ equity
|
801,646 | 817,017 | ||||||
Valuation difference on available-for-sale securities
|
107,406 | 96,452 | ||||||
Deferred gains or losses on hedges
|
41 | 13 | ||||||
Revaluation reserve for land
|
36,060 | 36,060 | ||||||
Total valuation and translation adjustments
|
143,508 | 132,526 | ||||||
Subscription rights to shares
|
314 | 249 | ||||||
Total net assets
|
945,469 | 949,793 | ||||||
Total liabilities and net assets
|
15,204,334 | 15,576,464 | ||||||
(For the nine months ended)
|
(Unit: Millions of Yen) | |||||||
For the nine months ended
December 31, 2014 |
For the nine months ended
December 31, 2015 |
|||||||
Ordinary income
|
189,160 | 207,786 | ||||||
Interest income
|
125,830 | 125,499 | ||||||
Of which, interest on loans and bills discounted
|
99,953 | 95,914 | ||||||
Of which, interest and dividends on securities
|
21,744 | 24,950 | ||||||
Fees and commissions
|
40,214 | 41,019 | ||||||
Trading income
|
372 | 468 | ||||||
Other ordinary income
|
19,653 | 31,812 | ||||||
Other income
|
3,089 | 8,986 | ||||||
Ordinary expenses
|
111,742 | 126,375 | ||||||
Interest expenses
|
6,830 | 8,161 | ||||||
Of which, interest on deposits
|
3,350 | 3,598 | ||||||
Fees and commissions payments
|
10,142 | 10,264 | ||||||
Other ordinary expenses
|
14,510 | 29,067 | ||||||
General and administrative expenses
|
78,637 | 76,335 | ||||||
Other expenses
|
1,621 | 2,546 | ||||||
Ordinary profit
|
77,417 | 81,411 | ||||||
Extraordinary income
|
2,630 | 8 | ||||||
Gain on disposal of non-current assets
|
2,630 | 8 | ||||||
Extraordinary losses
|
1,426 | 388 | ||||||
Loss on disposal of non-current assets
|
1,426 | 388 | ||||||
Income before income taxes
|
78,621 | 81,031 | ||||||
Income taxes-current
|
23,825 | 20,551 | ||||||
Income taxes-deferred
|
2,601 | 4,941 | ||||||
Total income taxes
|
26,426 | 25,492 | ||||||
Net income
|
52,195 | 55,539 |
SELECTED FINANCIAL INFORMATION FOR THE NINE MONTHS ENDED DECEMBER 31, 2015
|
1. Income status
|
<Non-Consolidated>
|
・Gross operating income ・・・Gross operating income decreased by 3.2 billion yen to 151.3 billion yen from the same period of the previous year due to the decrease in interest income and other ordinary income both from domestic operations despite of the increase in the fees and commissions from domestic operations.
|
・Core net business profit ・・ Core net business profit decreased by 1.4 billion yen to 77.4 billion yen from the same period of the previous year due to the decrease in gross operating income despite of the decrease in expenses mainly due to the decrease in deposit insurance premiums.
|
・Ordinary profit ・・・・・・・・・ Ordinary profit increased by 4.0 billion yen to 81.4 billion yen from the same period of the previous year, hitting a historic high, due to the decrease in credit costs and the increase in gains or losses on stocks and other securities.
|
・Net income ・・・・・・・・・・ Net income increased by 3.4 billion yen to 55.5 billion yen from the same period of the previous year, hitting a historic high, due to the increase in Ordinary profit and the decrease in income taxes caused by the decrease in the corporate income tax rate.
|
<Consolidated>
|
・Profit attributable to owners of parent ・・・Profit attributable to owners of parent increased by 1.9 billion yen to 55.8 billion yen from the same period of the previous year, hitting a historic high, due to the increase of Net income (Non-Consolidated).
|
[Non-Consolidated] |
For the nine months ended
|
(Unit: Billions of Yen) For the year ended |
|||||
December 31, 2015 (A) |
|
December 31, 2014 (B) | March 31, 2015 (Reference) |
||||
(A)–(B)
|
|||||||
Gross operating income
|
151.3
|
(3.2)
|
154.5
|
204.4
|
|||
Of which, interest income from domestic operations
|
115.7
|
(1.9)
|
117.6
|
155.0
|
|||
Of which, fees and commissions from domestic operations
|
30.4
|
0.7
|
29.7
|
42.2
|
|||
Of which, other ordinary income from domestic operations
|
1.6
|
(2.1)
|
3.7
|
3.2
|
|||
Expenses
|
(-)
|
73.8
|
(1.9)
|
75.7
|
100.4
|
||
(Reference) OHR (%)
|
48.8
|
(0.2)
|
49.0
|
49.1
|
|||
Core net business profit
|
77.4
|
(1.4)
|
78.8
|
104.0
|
|||
Provision of allowance for general loan losses
|
(-)
|
-
|
3.5
|
(3.5)
|
(2.7)
|
||
Net business profit
|
77.4
|
(4.9)
|
82.3
|
106.7
|
|||
Non-recurring gains (losses)
|
3.9
|
8.7
|
(4.8)
|
(4.7)
|
|||
Of which, disposal of bad debts
|
(-)
|
(1.1)
|
(4.5)
|
3.4
|
3.4
|
||
Of which, gains or losses on stocks and other securities
|
4.6
|
4.6
|
0.0
|
1.5
|
|||
Ordinary profit
|
81.4
|
4.0
|
77.4
|
102.0
|
|||
Net income
|
55.5
|
3.4
|
52.1
|
67.5
|
|||
Credit costs
|
(-)
|
(1.1)
|
(1.1)
|
(0.0)
|
0.7
|
||
[Consolidated]
|
|||||||
Ordinary profit
|
85.4
|
0.4
|
85.0
|
108.0
|
|||
Profit attributable to owners of parent
|
55.8
|
1.9
|
53.9
|
76.3
|
2. Loans and Deposits, etc.
|
・Loans ・・・・・・Loans increased by 270.0 billion yen to 9,848.1 billion yen (annual rate of 2.8%) from the same period of the previous year due to the increase in loans to individuals, especially in apartment loans, as well as the increase in loans to small and medium-sized businesses.
|
・Deposits ・・・・Deposits increased by 398.1 billion yen to 11,973.7 billion yen (annual rate of 3.4%) from the same period of the previous year due to the 246.9 billion yen increase of individual deposits as well as the increase in corporate deposits.
|
Domestic branches (excluding loans in offshore market account) | For the nine months ended | (Unit: Billions of Yen) For the six months ended |
||||||
December 31, 2015 (A)
|
December 31, 2014 (B)
|
September 30, 2015
(Reference)
|
||||||
(A)–(B) | ||||||||
Loans <average balance>
|
9,848.1
|
270.0
|
9,578.1
|
9,817.6
|
||||
Of which, loans to small and medium-sized businesses, etc. |
7,930.2
|
186.5
|
7,743.7
|
7,907.9
|
||||
Loans to small and medium-sized businesses |
3,066.0
|
114.9
|
2,951.1
|
3,043.1
|
||||
Loans to individuals |
4,864.1
|
71.5
|
4,792.6
|
4,864.8
|
Domestic branches (excluding deposits in offshore market account)
|
For the nine months ended | (Unit: Billions of Yen) For the six months ended |
|||||
December 31, 2015 (A) | December 31, 2014 (B) | September 30, 2015 (Reference) | |||||
(A)–(B)
|
|||||||
Deposits <average balance>
|
11,973.7
|
398.1
|
11,575.6
|
11,987.0
|
|||
Of which, deposits from individuals
|
9,066.5
|
246.9
|
8,819.6
|
9,042.3
|
・Investment products for individuals・・・Investment products for individuals decreased by 71.5 billion yen to 2,083.6 billion yen from the same period of the previous year, due to the decrease in net asset value of investment trusts (Non-Consolidated) and the decrease in public bonds (Non-Consolidated).
|
(Unit: Billions of Yen) | ||||||||
As of December 31, 2015 (A) | As of December 31, 2014 (B) | As of September 30, 2015 | ||||||
(A)–(B)
|
||||||||
Total balance of investment products for individuals (Group total) |
2,083.6
|
(71.5)
|
2,155.1
|
2,031.8
|
||||
Investment products for individuals (The Bank of Yokohama, Ltd.)
|
1,737.4
|
(64.2)
|
1,801.6
|
1,712.0
|
||||
Of which, investment trusts (The Bank of Yokohama, Ltd.)
|
578.5
|
(29.3)
|
607.8
|
571.3
|
||||
Of which, insurance (The Bank of Yokohama, Ltd.)
|
987.3
|
20.0
|
967.3
|
960.9
|
||||
Of which, public bonds (The Bank of Yokohama, Ltd.) |
143.1
|
(49.4)
|
192.5
|
151.1
|
||||
Investment products for individuals at Hamagin Tokai Tokyo Securities Co., Ltd. |
346.2
|
(7.3)
|
353.5
|
319.7
|
II. Digest of Financial Results for the nine months ended December 31, 2015 | |||||||||
1. Profit and Loss | (Unit: Millions of Yen) | ||||||||
[Non-Consolidated] |
For the nine months ended
|
For the year ended | |||||||
December 31, 2015 (A) |
December 31, 2014 (B) |
March 31, 2015 (Reference) | |||||||
(A)–(B)
|
|||||||||
[( 2.1%)]
|
|||||||||
1
|
Gross operating income
|
151,306
|
(3,281)
|
154,587
|
204,486
|
||||
2
|
(Excluding gains (losses) on bonds)
|
177,838
|
10,552
|
167,286
|
227,880
|
||||
3
|
Gross operating income from domestic operations
|
148,061
|
(3,514)
|
151,575
|
200,996
|
||||
4
|
(Excluding gains (losses) on bonds)
|
174,783
|
10,146
|
164,637
|
224,582
|
||||
5
|
Interest income
|
115,792
|
(1,903)
|
117,695
|
155,066
|
||||
6
|
Fees and commissions
|
30,470
|
675
|
29,795
|
42,269
|
||||
7
|
Trading income
|
190
|
(116)
|
306
|
379
|
||||
8
|
Other ordinary income
|
1,608
|
(2,170)
|
3,778
|
3,280
|
||||
9
|
(Of which, gains (losses) on bonds)
|
(26,721)
|
(13,660)
|
(13,061)
|
(23,585)
|
||||
10
|
Gross operating income from international operations
|
3,244
|
233
|
3,011
|
3,490
|
||||
11
|
(Excluding gains (losses) on bonds)
|
3,054
|
406
|
2,648
|
3,298
|
||||
12
|
Interest income
|
1,545
|
241
|
1,304
|
1,531
|
||||
13
|
Fees and commissions
|
284
|
8
|
276
|
365
|
||||
14
|
Trading income
|
277
|
212
|
65
|
40
|
||||
15
|
Other ordinary income
|
1,136
|
(229)
|
1,365
|
1,552
|
||||
16
|
(Of which, gains (losses) on bonds)
|
189
|
(173)
|
362
|
192
|
||||
[( 2.5%)]
|
|||||||||
17
|
Expenses
|
(-)
|
73,867
|
(1,917)
|
75,784
|
100,430
|
|||
18
|
Personnel
|
(-)
|
33,663
|
419
|
33,244
|
44,584
|
|||
19
|
Facilities
|
(-)
|
34,904
|
(2,978)
|
37,882
|
49,630
|
|||
20
|
Taxes
|
(-)
|
5,299
|
642
|
4,657
|
6,215
|
|||
21
|
(Reference) OHR (%) (17÷1)
|
48.8
|
(0.2)
|
49.0
|
49.1
|
||||
[( 1.7%)]
|
|||||||||
22
|
Core net business profit
|
77,438
|
(1,364)
|
78,802
|
104,055
|
||||
23
|
(Excluding gains (losses) on bonds)
|
103,970
|
12,469
|
91,501
|
127,449
|
||||
24
|
Provision of allowance for general loan losses
|
(-)
|
-
|
3,512
|
(3,512)
|
(2,725)
|
|||
25
|
Net business profit
|
77,438
|
(4,877)
|
82,315
|
106,781
|
||||
26
|
(Of which, gains (losses) on bonds)
|
(26,531)
|
(13,832)
|
(12,699)
|
(23,393)
|
||||
27
|
Non-recurring gains (losses)
|
3,972
|
8,869
|
(4,897)
|
(4,743)
|
||||
28
|
Disposal of bad debts
|
(-)
|
(1,194)
|
(4,627)
|
3,433
|
3,480
|
|||
29
|
Written-off of loans
|
(-)
|
695
|
227
|
468
|
1,372
|
|||
30
|
Provision of allowance for specific loan losses
|
(-)
|
-
|
(3,827)
|
3,827
|
3,455
|
|||
31
|
Loss on sales of non-performing loans
|
(-)
|
3
|
(19)
|
22
|
22
|
|||
32
|
Reversal of allowance for loan losses
|
1,306
|
1,306
|
-
|
-
|
||||
33
|
Recoveries of written-off claims
|
792
|
(343)
|
1,135
|
1,751
|
||||
34
|
Other
|
(-)
|
205
|
(45)
|
250
|
381
|
|||
35
|
Gain or loss on stocks and other securities
|
4,621
|
4,527
|
94
|
1,576
|
||||
36
|
Gain on sales of stocks and other securities
|
4,641
|
4,525
|
116
|
1,598
|
||||
37
|
Loss on sales of stocks and other securities
|
(-)
|
-
|
(13)
|
13
|
13
|
|||
38
|
Loss on devaluation of stocks and other securities
|
(-)
|
19
|
11
|
8
|
8
|
|||
39
|
Other non-recurring gains (losses)
|
(1,843)
|
(285)
|
(1,558)
|
(2,839)
|
||||
[5.1%]
|
|||||||||
40
|
Ordinary profit
|
81,411
|
3,994
|
77,417
|
102,037
|
||||
41
|
Extraordinary income (losses)
|
(379)
|
(1,582)
|
1,203
|
1,020
|
||||
42
|
Gain (loss) on disposal of non-current assets
|
(379)
|
(1,582)
|
1,203
|
1,020
|
||||
43
|
Gain on disposal of non-current assets
|
8
|
(2,622)
|
2,630
|
2,630
|
||||
44
|
Loss on disposal of non-current assets
|
(-)
|
388
|
(1,038)
|
1,426
|
1,610
|
|||
45
|
Income before income taxes
|
81,031
|
2,410
|
78,621
|
103,057
|
||||
46
|
Income taxes-current
|
(-)
|
20,551
|
(3,274)
|
23,825
|
28,570
|
|||
47
|
Income taxes-deferred
|
(-)
|
4,941
|
2,340
|
2,601
|
6,965
|
|||
48
|
Total income taxes
|
(-)
|
25,492
|
(934)
|
26,426
|
35,536
|
|||
[6.4%]
|
|||||||||
49
|
Net income
|
55,539
|
3,344
|
52,195
|
67,521
|
||||
[ - ]
|
|||||||||
50
|
Credit costs (24+28)
|
(-)
|
(1,194)
|
(1,115)
|
(79)
|
755
|
[Consolidated] |
For the nine months ended
|
(Unit: Billions of Yen) For the year ended |
|||||
December 31, 2015 (A)
|
December 31, 2014 (B)
|
March 31, 2015
(Reference)
|
|||||
(A)–(B)
|
|||||||
[( 2.8%)]
|
|||||||
Consolidated gross operating income |
163,694
|
(4,809)
|
168,503
|
223,561
|
|||
Interest income
|
115,925
|
(2,388)
|
118,313
|
156,221
|
|||
Fees and commissions
|
39,153
|
(650)
|
39,803
|
55,311
|
|||
Trading income |
2,408
|
644
|
1,764
|
2,362
|
|||
Other ordinary income |
6,206
|
(2,414)
|
8,620
|
9,665
|
|||
General and administrative expenses |
(–)
|
82,997
|
(2,306)
|
85,303
|
113,075
|
||
Credit costs |
(–)
|
225
|
975
|
(750)
|
3,429
|
||
Written-off of loans |
(–)
|
1,937
|
(256)
|
2,193
|
3,646
|
||
Provision of allowance for specific loan losses |
(–)
|
–
|
–
|
–
|
4,273
|
||
Provision of allowance for general loan losses |
(–)
|
–
|
–
|
– |
(2,150)
|
||
Reversal of allowance for loan losses |
282
|
(1,005)
|
1,287
|
– | |||
Recoveries of written-off claims |
1,638
|
(307)
|
1,945
|
2,759
|
|||
Other |
(–)
|
209
|
(79)
|
288
|
419
|
||
Gain or loss on stocks and other securities |
4,627
|
4,499
|
128
|
308
|
|||
Other |
310
|
(697)
|
1,007
|
710
|
|||
[0.3%]
|
|||||||
Ordinary profit |
85,409
|
323
|
85,086
|
108,074
|
|||
Extraordinary income (losses) |
(384)
|
(2,604)
|
2,220
|
10,611
|
|||
Of which, gain on bargain purchase |
–
|
(520)
|
520
|
9,101
|
|||
Income before income taxes |
85,024
|
(2,283)
|
87,307
|
118,686
|
|||
Income taxes-current |
(–)
|
22,245
|
(3,950)
|
26,195
|
31,774
|
||
Income taxes-deferred |
(–)
|
5,545
|
1,757
|
3,788
|
7,588
|
||
Total income taxes |
(–)
|
27,791
|
(2,193)
|
29,984
|
39,362
|
||
Profit |
57,232
|
(90)
|
57,322
|
79,324
|
|||
Profit attributable to non-controlling interests |
(–)
|
1,353
|
(2,001)
|
3,354
|
2,999
|
||
[3.5%]
|
|||||||
Profit attributable to owners of parent
|
55,879
|
1,912
|
53,967
|
76,324
|
(Unit: Millions of Yen) | |||||
(Reference)
|
For the nine months ended | For the year ended | |||
December 31, 2015 (A) | December 31, 2014 (B) | March 31, 2015 (Reference) | |||
(A)–(B)
|
|||||
[( 3.4%)]
|
|||||
Consolidated net business profit
|
82,904
|
(2,929)
|
85,833
|
114,451
|
(Number of Consolidated Companies)
|
(Unit: Number of Companies) | ||||
As of December 31, 2015 (A) | As of December 31, 2014 (B) | As of March 31, 2015 | |||
(A)–(B)
|
|||||
Number of consolidated subsidiaries
|
12
|
0
|
12
|
12
|
|
Number of companies accounted for by the equity method
|
0
|
0
|
0
|
0
|
2. Average Balance of Use and Source of Funds (Domestics) |
(Unit: Billions of Yen)
|
|||||||
[Non-Consolidated] |
For the nine months ended
|
For the year ended
|
||||||
December 31, 2015 (A)
|
|
December 31, 2014 (B)
|
March 31, 2015
(Reference)
|
|||||
(A)–(B) | ||||||||
Interest-earning assets |
12,261.4
|
185.8
|
12,075.6
|
12,117.7
|
||||
Loans and bills discounted |
9,715.1
|
232.1
|
9,483.0
|
9,520.6
|
||||
Loans to small and medium-sized businesses, etc. |
7,872.6
|
174.2
|
7,698.4
|
7,722.3
|
||||
Loans to small and medium-sized businesses
|
3,008.4
|
102.6
|
2,905.8
|
2,920.2
|
||||
Loans to individuals
|
4,864.1
|
71.5
|
4,792.6
|
4,802.1
|
||||
Securities |
2,247.6
|
95.0
|
2,152.6
|
2,169.7
|
||||
Bonds |
2,129.2
|
98.3
|
2,030.9
|
2,048.2
|
||||
Stocks |
118.4
|
(3.2)
|
121.6
|
121.5
|
||||
Interest-bearing liabilities |
13,506.7
|
1,341.4
|
12,165.3
|
12,317.4
|
||||
Deposits |
11,819.4
|
387.8
|
11,431.6
|
11,473.8
|
||||
Individual deposits |
9,036.3
|
253.0
|
8,783.3
|
8,818.5
|
||||
External liabilities |
1,380.2
|
898.0
|
482.2
|
594.5
|
[Non-Consolidated] |
For the nine months ended
|
(Unit: %)
For the year ended
|
|||||
December 31, 2015 (A) | December 31, 2014 (B) | March 31, 2015 (Reference) |
|||||
(A)–(B) | |||||||
Yield on interest-earning assets |
(A)
|
1.29
|
(0.04)
|
1.33
|
1.31
|
||
Loans and bills discounted
|
1.29
|
(0.09)
|
1.38
|
1.37
|
|||
Securities |
1.32
|
0.08
|
1.24
|
1.18
|
|||
Yield on interest-bearing liabilities |
(B)
|
0.04
|
0.01
|
0.03
|
0.03
|
||
Deposits
|
0.03
|
0.00
|
0.03
|
0.03
|
|||
External liabilities
|
0.08
|
0.00
|
0.08
|
0.08
|
|||
Expenses ratio |
0.78
|
(0.06)
|
0.84
|
0.83 | |||
Total funding cost |
(C)
|
0.74
|
(0.09)
|
0.83
|
0.82
|
||
Yield spread |
(A) – (B)
|
1.25
|
(0.05)
|
1.30
|
1.28
|
||
Interest margin between loans and deposits |
0.47
|
(0.04)
|
0.51
|
0.51 | |||
Net interest margin |
(A) – (C)
|
0.55
|
0.05
|
0.50
|
0.49
|
[Non-Consolidated] |
For the nine months ended
|
(Unit: Millions of Yen)
For the year ended
|
|||||
December 31, 2015 (A) | December 31, 2014 (B) | March 31, 2015 (Reference) | |||||
(A)–(B)
|
|||||||
Gains (losses) on bonds |
(26,531)
|
(13,832)
|
(12,699)
|
(23,393)
|
|||
Gain on sales
|
2,535
|
724
|
1,811
|
1,978
|
|||
Gain on redemption
|
–
|
–
|
–
|
–
|
|||
Loss on sales
|
(-)
|
27,640
|
14,475
|
13,165
|
23,114
|
||
Loss on redemption
|
(-)
|
1,321
|
10
|
1,311
|
2,211
|
||
Loss on devaluation
|
(-)
|
105
|
72
|
33
|
46
|
(Reference) Gains (losses) on bonds derivatives
|
(Unit: Millions of Yen)
|
||||
For the nine months ended
|
For the year ended
|
||||
December 31, 2015 (A) | December 31, 2014 (B) | March 31, 2015 (Reference) | |||
(A)–(B)
|
|||||
Gains (losses) on bonds derivatives
|
26,137
|
13,354
|
12,783
|
21,431
|
|
Gains (losses) on bonds
+ Gains (losses) on bonds derivatives |
(393)
|
(476)
|
83
|
(1,962)
|
② Gains or Losses on stocks and other securities
|
(Unit: Millions of Yen)
|
|
[Non-Consolidated]
|
For the nine months ended
|
For the year ended
|
December 31, 2015 (A) | December 31, 2014 (B) | March 31, 2015 (Reference) | |||||
(A)–(B)
|
|||||||
Gains (losses) on stocks and other securities
|
4,621
|
4,527
|
94
|
1,576
|
|||
Gain on sales
|
4,641
|
4,525
|
116
|
1,598
|
|||
Loss on sales
|
(-)
|
-
|
(13)
|
13
|
13
|
||
Loss on devaluation
|
(-)
|
19
|
11
|
8
|
8
|
5. Net Unrealized Gains (Losses) on Securities
|
|
[Non-Consolidated]
|
(Unit: Millions of Yen)
|
As of December 31, 2015
|
As of September 30, 2015
|
||||||||||
Book Value
|
Net (A)
|
(A)–(B) |
Unrealized
gains
|
Unrealized
losses
|
Book Value
|
Net (B)
|
Unrealized
gains
|
Unrealized
losses
|
|||
Held-to-maturity
|
203,717
|
10,841
|
(150)
|
10,841
|
-
|
208,719
|
10,991
|
10,991
|
-
|
||
Available-for-sale
|
2,359,808
|
139,928
|
18,123
|
147,224
|
7,296
|
2,173,510
|
121,805
|
131,377
|
9,571
|
||
Equity securities
|
216,405
|
119,040
|
16,483
|
119,592
|
551
|
200,046
|
102,557
|
103,123
|
566
|
||
Debt securities
|
1,405,573
|
6,579
|
(299)
|
7,062
|
483
|
1,297,208
|
6,878
|
7,394
|
516
|
||
Other securities
|
737,830
|
14,308
|
1,938
|
20,570
|
6,261
|
676,254
|
12,370
|
20,859
|
8,488
|
||
Total
|
2,563,526
|
150,770
|
17,974
|
158,066
|
7,296
|
2,382,229
|
132,796
|
142,368
|
9,571
|
||
Equity securities
|
216,405
|
119,040
|
16,483
|
119,592
|
551
|
200,046
|
102,557
|
103,123
|
566
|
||
Debt securities
|
1,609,290
|
17,420
|
(449)
|
17,903
|
483
|
1,505,927
|
17,869
|
18,385
|
516
|
||
Other securities
|
737,830
|
14,308
|
1,938
|
20,570
|
6,261
|
676,254
|
12,370
|
20,859
|
8,488
|
Notes:
|
1. “Available-for-sale securities” are marked to market; the difference between book values on the non-consolidated balance sheets and the acquisition cost is posted as “Net”.
|
[Consolidated] | (Unit: Millions of Yen) | ||||||||||
As of December 31, 2015
|
As of September 30, 2015
|
||||||||||
Book Value
|
Net (A)
|
(A)–(B) |
Unrealized
gains
|
Unrealized
losses
|
Book Value
|
Net (B)
|
Unrealized
gains
|
Unrealized
losses
|
|||
Held-to-maturity
|
205,919
|
10,854
|
(150)
|
10,854
|
-
|
212,424
|
11,004
|
11,004
|
-
|
||
Available-for-sale
|
2,368,762
|
144,148
|
18,307
|
151,488
|
7,339
|
2,182,280
|
125,841
|
135,466
|
9,624
|
||
Equity securities
|
225,356
|
123,260
|
16,667
|
123,855
|
595
|
208,814
|
106,593
|
107,212
|
619
|
||
Debt securities
|
1,405,575
|
6,579
|
(299)
|
7,062
|
483
|
1,297,210
|
6,878
|
7,394
|
516
|
||
Other securities
|
737,830
|
14,308
|
1,938
|
20,570
|
6,261
|
676,254
|
12,370
|
20,859
|
8,488
|
||
Total |
2,574,682
|
155,002
|
18,156
|
162,342
|
7,339
|
2,394,704
|
136,846
|
146,470
|
9,624
|
||
Equity securities
|
225,356
|
123,260
|
16,667
|
123,855
|
595
|
208,814
|
106,593
|
107,212
|
619
|
||
Debt securities
|
1,611,495
|
17,433
|
(449)
|
17,916
|
483
|
1,509,635
|
17,882
|
18,399
|
516
|
||
Other securities
|
737,830
|
14,308
|
1,938
|
20,570
|
6,261
|
676,254
|
12,370
|
20,859
|
8,488
|
Notes:
|
1. “Available-for-sale securities” are marked to market; the difference between book values on the consolidated balance sheets and the acquisition cost is posted as “Net”.
|
(Reference)Transition of outstanding balance of securities
|
|
[Non-Consolidated]
|
(Unit: Millions of Yen)
|
As of December 31, | As of December 31, | As of September | |||||
2015 (A) |
(A)–(B)
|
(A)–(C) | 2014 (B) | 30, 2015 (C) | |||
Securities
|
2,504,388
|
103,155
|
184,147
|
2,401,233
|
2,320,241
|
||
Government bonds
|
782,125
|
43,968
|
131,820
|
738,157
|
650,305
|
||
Local government bonds
|
230,609
|
(32,862)
|
(9,280)
|
263,471
|
239,889
|
||
Corporate bonds
|
596,555
|
(109,863)
|
(19,177)
|
706,418
|
615,732
|
||
Stocks
|
236,746
|
21,970
|
16,358
|
214,776
|
220,388
|
||
Other securities
|
658,351
|
179,943
|
64,426
|
478,408
|
593,925
|
||
of which, foreign bonds
|
249,817
|
4,129
|
(5,519)
|
245,688
|
255,336
|
||
of which, domestic investment trusts
|
405,897
|
175,184
|
69,968
|
230,713
|
335,929
|
[Consolidated]
|
(Unit: Millions of Yen)
|
As of December 31, | As of December 31, | As of September 30, | |||||
2015 (A) |
(A)–(B)
|
(A)–(C) | 2014 (B) | 2015 (C) | |||
Securities
|
2,502,662
|
106,781
|
182,845
|
2,395,881
|
2,319,817
|
||
Government bonds
|
783,628
|
42,459
|
130,318
|
741,169
|
653,310
|
||
Local government bonds
|
231,309
|
(32,862)
|
(9,280)
|
264,171
|
240,589
|
||
Corporate bonds
|
596,557
|
(109,864)
|
(19,178)
|
706,421
|
615,735
|
||
Stocks
|
233,673
|
27,023
|
16,542
|
206,650
|
217,131
|
||
Other securities
|
657,493
|
180,026
|
64,443
|
477,467
|
593,050
|
||
of which, foreign bonds
|
249,817
|
4,129
|
(5,519)
|
245,688
|
255,336
|
||
of which, domestic investment trusts
|
405,897
|
175,184
|
69,968
|
230,713
|
335,929
|
6.Derivative contracts
|
|
[Consolidated]
|
|
① Interest rate contracts
|
(Unit: Millions of Yen)
|
As of December 31, 2015
|
As of September 30, 2015
|
||||||
Contract or
Notional Amount
|
Fair Value
(Loss)
|
Unrealized
Gain (Loss)
|
Contract or
Notional Amount
|
Fair Value
(Loss)
|
Unrealized
Gain (Loss)
|
||
OTC
|
Interest rate swaps
|
4,872,001
|
9,525
|
9,525
|
4,995,248
|
9,229
|
9,229
|
Others
|
27,804
|
(2)
|
327
|
27,719
|
(2)
|
341
|
|
Total
|
9,522
|
9,852
|
9,226
|
9,570
|
② Foreign exchange
|
(Unit: Millions of Yen)
|
As of December 31, 2015
|
As of September 30, 2015
|
||||||
Contract or
Notional Amount
|
Fair Value
(Loss)
|
Unrealized
Gain (Loss)
|
Contract or
Notional Amount
|
Fair Value
(Loss)
|
Unrealized
Gain (Loss)
|
||
OTC
|
Currency swaps
|
43,093
|
103
|
103
|
44,861
|
123
|
123
|
Forward exchange contracts
|
178,574
|
463
|
463
|
315,864
|
(221)
|
(221)
|
|
Options
|
42,555
|
10
|
200
|
49,776
|
19
|
230
|
|
Total
|
577
|
766
|
(78)
|
132
|
③ Stocks contracts
|
Not applicable
|
④ Bonds contracts
|
(Unit: Millions of Yen)
|
As of December 31, 2015
|
As of September 30, 2015
|
||||||
Contract or
Notional Amount
|
Fair Value
(Loss)
|
Unrealized
Gain (Loss)
|
Contract or
Notional Amount |
Fair Value
(Loss)
|
Unrealized
Gain (Loss)
|
||
Market
|
Bond futures
|
2,231
|
(4)
|
(4)
|
1,922
|
(3)
|
(3)
|
OTC
|
Options
|
120,000
|
(820)
|
(184)
|
-
|
-
|
-
|
Total
|
(824)
|
(188)
|
(3)
|
(3)
|
⑤ Commodity related contracts
|
Not applicable
|
⑥ Credit derivative contracts
|
Not applicable
|
[Non-Consolidated] | (Unit: Millions of Yen) | ||
As of December 31, 2015 (A) | As of September 30, 2015 (B) | ||
Risk managed loans
|
(A)–(B)
|
||
Loans to borrowers in bankruptcy
|
2,875
|
(770)
|
3,645
|
Past due loans
|
182,357
|
2,712
|
179,645
|
Accruing loans contractually past due for 3 months or more
|
5,514
|
645
|
4,869
|
Restructured loans
|
11,922
|
(513)
|
12,435
|
Total
|
202,670
|
2,074
|
200,596
|
(Amount of partial direct written-off)
|
35,683
|
(646)
|
36,329
|
Loans and bills discounted
|
10,036,282
|
117,249
|
9,919,033
|
Notes:
|
1. The amounts are presented after partial direct written-off.
|
[Consolidated] | (Unit: Millions of Yen) | ||
As of December 31, 2015 (A) | As of September 30, 2015 (B) | ||
Risk managed loans
|
(A)–(B)
|
||
Loans to borrowers in bankruptcy
|
2,875
|
(770)
|
3,645
|
Past due loans
|
181,105
|
2,444
|
178,661
|
Accruing loans contractually past due for 3 months or more
|
5,514
|
645
|
4,869
|
Restructured loans
|
11,922
|
(513)
|
12,435
|
Total
|
201,417
|
1,805
|
199,612
|
(Amount of partial direct written-off)
|
48,270
|
(833)
|
49,103
|
Loans and bills discounted
|
9,990,345
|
115,376
|
9,874,969
|
Notes:
|
1. The amounts are presented after partial direct written-off.
|
[Non-Consolidated]
|
(Unit: Millions of Yen) | ||||
As of December 31, 2015 (A) | As of September 30, 2015 (B) | ||||
(A)–(B)
|
|||||
Unrecoverable or valueless claims
|
57,936
|
2,266
|
55,670
|
||
Doubtful claims
|
128,268
|
(388)
|
128,656
|
||
|
Claims in need of special caution
|
17,437
|
132
|
17,305
|
|
Sub-total (Claims in need of special caution or below)
|
A
|
203,642
|
2,010
|
201,632
|
|
Claims in need of caution (excluding claims in need of special caution)
|
923,988
|
(6,610)
|
930,598
|
||
Claims to normal borrowers (excluding claims in need of caution)
|
9,047,501
|
124,900
|
8,922,601
|
||
Sub-total (Normal claims)
|
9,971,490
|
118,290
|
9,853,200
|
||
Total (Credit exposures)
|
B
|
10,175,132
|
120,300
|
10,054,832
|
|
Claims in need of special caution based on borrowers classification under the self-assessment guideline
|
18,551
|
65
|
18,486
|
||
Non-performing loans ratio (Percentage of claims in need of special caution or below) (%)
|
A / B
|
2.0
|
0.0
|
2.0
|
[Consolidated] | (Unit: Millions of Yen) | ||||
As of December 31, 2015 (A) | As of September 30, 2015 (B) | ||||
(A)–(B)
|
|||||
Unrecoverable or valueless claims
|
57,036
|
2,020
|
55,016
|
||
Doubtful claims
|
129,104
|
(517)
|
129,621
|
||
Claims in need of special caution
|
17,437
|
132
|
17,305
|
||
Sub-total (Claims in need of special caution or below)
|
C
|
203,578
|
1,635
|
201,943
|
|
Claims in need of caution (excluding claims in need of special caution)
|
927,564
|
(6,977)
|
934,541
|
||
Claims to normal borrowers (excluding claims in need of caution)
|
9,113,731
|
120,447
|
8,993,284
|
||
Sub-total (Normal claims)
|
10,041,296
|
113,470
|
9,927,826
|
||
Total (Credit exposures)
|
D
|
10,244,874
|
115,105
|
10,129,769
|
|
Claims in need of special caution based on borrowers classification under the self-assessment guideline
|
19,084
|
99
|
18,985
|
||
Non-performing loans ratio (Percentage of claims in need of special caution or below) (%)
|
C / D
|
1.9
|
0.0
|
1.9
|
[Non-Consolidated] | (Unit: Millions of Yen) | |||||
As of December 31, 2015 (A) | As of December 31, 2014 (B) | As of September 30, 2015 (C) | ||||
(A)–(B)
|
(A)–(C)
|
|||||
Total
|
10,020,49
|
189,473
|
116,932
|
9,831,016
|
9,903,557
|
|
Manufacturing
|
969,530
|
12,162
|
37,508
|
957,368
|
932,022
|
|
Agriculture and forestry
|
2,520
|
(430)
|
(96)
|
2,950
|
2,616
|
|
Fishery
|
6,390
|
(223)
|
(107)
|
6,613
|
6,497
|
|
Mining and quarrying of stone and gravel
|
4,273
|
(325)
|
78
|
4,598
|
4,195
|
|
Construction
|
226,457
|
(5,126)
|
7,229
|
231,583
|
219,228
|
|
Electric power, gas, heat supply and water supply
|
27,717
|
7,359
|
(52)
|
20,358
|
27,769
|
|
IT and telecommunication
|
62,590
|
(2,241)
|
1,225
|
64,831
|
61,365
|
|
Transport and postal activities
|
319,608
|
(1,734)
|
2,241
|
321,342
|
317,367
|
|
Wholesale and retail
|
808,367
|
(15,373)
|
16,412
|
823,740
|
791,955
|
|
Finance and insurance
|
204,383
|
5,681
|
10,310
|
198,702
|
194,073
|
|
Real estate and goods rental and leasing
|
2,754,020
|
118,167
|
37,255
|
2,635,853
|
2,716,765
|
|
Other services
|
764,668
|
15,620
|
6,802
|
749,048
|
757,866
|
|
Local governments
|
274,913
|
39,819
|
(3,011)
|
235,094
|
277,924
|
|
Others
|
3,595,048
|
16,124
|
1,141
|
3,578,924
|
3,593,907
|
For the nine months ended | (Unit: Billion of Yen) For the six months ended |
||||
December 31, 2015 (A) | December 31, 2014 (B) | September 30, 2015 (Reference) | |||
(A)–(B)
|
|||||
(Outstanding balance)
|
10,036.2
|
188.7
|
9,847.5
|
9,919.0
|
|
(Average balance)
|
9,863.2
|
268.8
|
9,594.4
|
9,832.9
|
Domestic branches (excluding loans in offshore market account) | (Unit: Billions of Yen) | ||||||||||
As of December 31, 2015 | As of December 31, 2014 | As of September 30, 2015 | |||||||||
(A) |
(A)–(B)
|
(A)–(C)
|
(B) | (C) | |||||||
Total
|
A
|
10,020.4
|
189.4
|
116.9
|
9,831.0
|
9,903.5
|
|||||
Loans to large and medium-sized businesses
|
1,582.5
|
6.8
|
43.6
|
1,575.7
|
1,538.9
|
||||||
Loans to small and medium-sized businesses, etc.
|
B
|
8,039.7
|
137.7
|
66.8
|
7,902.0
|
7,972.9
|
|||||
Loans to small and medium-sized businesses
|
3,173.6
|
102.8
|
69.9
|
3,070.8
|
3,103.7
|
||||||
Loans to individuals
|
4,866.1
|
35.0
|
(3.1)
|
4,831.1
|
4,869.2
|
||||||
Residential loans
|
4,503.5
|
26.4
|
(1.8)
|
4,477.1
|
4,505.3
|
||||||
Housing loans
|
3,057.5
|
(12.9)
|
(7.6)
|
3,070.4
|
3,065.1
|
||||||
Apartment loans
|
1,445.9
|
39.2
|
5.8
|
1,406.7
|
1,440.1
|
||||||
Other individual loans
|
362.6
|
8.6
|
(1.2)
|
354.0
|
363.8
|
||||||
Public sectors
|
398.1
|
44.9
|
6.5
|
353.2
|
391.6
|
||||||
Retail Loans in Kanagawa Prefecture
|
6,785.3
|
78.9
|
39.7
|
6,706.4
|
6,745.6
|
||||||
Note: Retail Loans in Kanagawa Prefecture = outstanding balance of loans to small and medium-sized businesses, etc. of which in Kanagawa Prefecture
|
|||||||||||
(Unit: %)
|
|||||||||||
Ratio of loans to small and medium-sized businesses, etc.
|
B / A
|
80.2
|
(0.1)
|
(0.3)
|
80.3
|
80.5
|
(Reference) | For the nine months ended | (Unit: Billions of Yen) For the six months ended |
||||
December 31, 2015 (A) | December 31, 2014 (B) | September 30, 2015 (Reference) | ||||
(A)–(B)
|
||||||
New housing Loans
|
(Notes 1 and 2)
|
132.7
|
(61.7)
|
194.4
|
91.8
|
|
New apartment Loans
|
(Note 1)
|
124.2
|
12.7
|
111.5
|
91.9
|
Notes:
|
1. Our managerial accounting basis
|
For the nine months ended
|
(Unit: Billions of Yen) For the six months ended |
||||||||
December 31, 2015 (A) | December 31, 2014 (B) | September 30, 2015 (Reference) |
|||||||
(A)–(B)
|
|||||||||
Total |
9,848.1
|
270.0
|
9,578.1
|
9,817.6
|
|||||
Loans to large and medium-sized businesses
|
1,526.0
|
28.2
|
1,497.8
|
1,518.9
|
|||||
Loans to small and medium-sized businesses, etc.
|
7,930.2
|
186.5
|
7,743.7
|
7,907.9
|
|||||
Loans to small and medium-sized businesses
|
3,066.0
|
114.9
|
2,951.1
|
3,043.1
|
|||||
Loans to individuals
|
4,864.1
|
71.5
|
4,792.6
|
4,864.8
|
|||||
Residential loans
|
4,502.3
|
62.7
|
4,439.6
|
4,504.2
|
|||||
Housing loans
|
3,071.6
|
24.4
|
3,047.2
|
3,077.7
|
|||||
Apartment loans
|
1,430.7
|
38.4
|
1,392.3
|
1,426.5
|
|||||
Other individual loans
|
361.8
|
8.9
|
352.9
|
360.5
|
|||||
Public sectors
|
391.8
|
55.3
|
336.5
|
390.6
|
For the nine months ended | (Unit: Billions of Yen) For the six months ended |
||||
December 31, 2015 (A) | December 31, 2014 (B) | September 30, 2015 (Reference) |
|||
(A)–(B) | |||||
(Outstanding balance)
|
12,125.2
|
340.3
|
11,784.9
|
12,017.5
|
|
(Average balance)
|
12,038.9
|
432.8
|
11,606.1
|
12,054.0
|
(Unit: Billions of Yen) | ||||||||
<Outstanding balance> | As of December 31, 2015 (A) |
As of December 31, 2014 (B)
|
As of September 30, 2015 (C)
|
|||||
(A)–(B) |
(A)–(C)
|
|||||||
Individual
|
9,270.7
|
235.7
|
213.6
|
9,035.0
|
9,057.1
|
|||
Of which, liquid deposits
|
6,441.4
|
235.8
|
233.8
|
6,205.6
|
6,207.6
|
|||
Of which, fixed deposits
|
2,798.9
|
5.4
|
(20.1)
|
2,793.5
|
2,819.0
|
|||
Corporate
|
2,418.1
|
36.8
|
29.3
|
2,381.3
|
2,388.8
|
|||
Local Public
|
301.7
|
32.2
|
(84.8)
|
269.5
|
386.5
|
|||
Financial institutions
|
61.8
|
(4.8)
|
(51.4)
|
66.6
|
113.2
|
|||
Total
|
12,052.5
|
300.0
|
106.7
|
11,752.5
|
11,945.8
|
|||
Of which, deposits in Kanagawa Prefecture
|
11,054.3
|
272.3
|
59.4
|
10,782.0
|
10,994.9
|
For the nine months ended
|
(Unit: Billions of Yen) For the six months ended |
|||||
December 31, 2015 (A) | December 31, 2014 (B) | September 30, 2015 (Reference) |
||||
<Average balance> |
(A)–(B)
|
|||||
Individual
|
9,066.5
|
246.9
|
8,819.6
|
9,042.3
|
||
Corporate
|
2,391.6
|
91.7
|
2,299.9
|
2,392.9
|
||
Local Public
|
441.9
|
62.5
|
379.4
|
475.9
|
||
Financial institutions
|
73.6
|
(2.9)
|
76.5
|
75.8
|
||
Total
|
11,973.7
|
398.1
|
11,575.6
|
11,987.0
|
||
Of which, deposits in Kanagawa Prefecture
|
10,998.6
|
368.7
|
10,629.9
|
11,013.7
|
[Non-Consolidated]
|
(Unit: Billions of Yen) | ||||||||
As of
December 31, 2015 (A)
|
As of December 31, 2014 (B) |
As of
September 30, 2015 (C)
|
|||||||
(A)–(B) | (A)–(C) | ||||||||
Investment trusts
|
578.5
|
(29.3)
|
7.2
|
607.8
|
571.3
|
||||
Insurance
|
987.3
|
20.0
|
26.4
|
967.3
|
960.9
|
||||
Foreign currency deposits
|
28.3
|
(5.5)
|
(0.2)
|
33.8
|
28.5
|
||||
Public bonds
|
143.1
|
(49.4)
|
(8.0)
|
192.5
|
151.1
|
||||
Total balance of investment products for individuals
|
A
|
1,737.4
|
(64.2)
|
25.4
|
1,801.6
|
1,712.0
|
|||
Individual deposits (deposits in yen)
|
9,242.4
|
241.3
|
213.9
|
9,001.1
|
9,028.5
|
||||
Total individual deposit assets
|
B
|
10,979.8
|
177.0
|
239.2
|
10,802.8
|
10,740.6
|
|||
Ratio of investment products for individuals
|
A / B
|
15.8%
|
(0.8%)
|
(0.1%)
|
16.6%
|
15.9%
|
|||
[Consolidated]
|
|||||||||
Investment products for individuals at Hamagin Tokai Tokyo Securities Co.,Ltd.
|
C
|
346.2
|
(7.3)
|
26.5
|
353.5
|
319.7
|
|||
Total balance of investment products for individuals (Group total)
|
D=A+C
|
2,083.6
|
(71.5)
|
51.8
|
2,155.1
|
2,031.8
|
|||
Total individual deposit assets (Group total)
|
E=B+C
|
11,326.1
|
169.8
|
265.7
|
11,156.3
|
11,060.4
|
|||
Ratio of investment products for individuals (Group total)
|
D / E
|
18.3%
|
(1.0%)
|
0.0%
|
19.3%
|
18.3%
|
[Consolidated] | For the nine months ended | (Unit: Billions of Yen) For the six months ended |
December 31, 2015 (A) |
December 31, 2014 (B)
|
September 30, 2015
(Reference)
|
||||
(A)–(B) | ||||||
Sales amount of Investment trusts (The Bank of Yokohama, Ltd.)
|
226.3
|
(108.9)
|
335.2
|
170.1
|
||
Sales amount of Insurance (The Bank of Yokohama, Ltd.)
|
131.8
|
19.6
|
112.2
|
92.4
|
||
Sales amount of Investment products for individuals at Hamagin Tokai Tokyo Securities Co., Ltd.
|
106.9
|
(43.4)
|
150.3
|
79.6
|
||
Sales amount of investment products for individuals (Group total)
|
465.2
|
(132.6)
|
597.8
|
342.2
|
For the nine months ended | (Unit: %) For the six months ended |
||||
December 31, 2015 (A) | December 31, 2014 (B) |
September 30, 2015
(Reference)
|
|||
(A)–(B) | |||||
Ratio by outstanding balance
|
80.82
|
(2.08)
|
82.90
|
80.88
|
|
Ratio by average balance
|
80.41
|
(1.41)
|
81.82
|
80.43
|
For the nine months ended | (Unit: %) For the six months ended |
||||
December 31, 2015 (A)
|
December 31, 2014 (B)
|
September 30, 2015 (Reference) |
|||
(A)–(B) | |||||
Ratio by outstanding balance
|
20.16
|
(0.05)
|
20.21
|
18.92
|
|
Ratio by average balance
|
20.46
|
0.50
|
19.96
|
20.55
|
Capital ratio as of December 31, 2015 will be announced when it is fixed. |