新生銀行(東証: 8303)
Shinsei Bank (TSE: 8303)
四半期データブック 2021年9月末
Quarterly Data Book for the Fiscal Year
Ended September 30, 2021
目次 頁 Contents Page
Section 1. 新生銀行 連結財務関連データ 1 Section 1. Shinsei Bank Consolidated P/L and B/S Data 1
財務の概要 1 Results of Operations 1
業務粗利益 1 Total Revenue 1
経費 1 General and Administrative Expenses 1
与信関連費用 1 Net Credit Costs 1
のれん及び無形資産償却額 1 Amortization of Goodwill and Other Intangible Assets 1
その他利益 1 Other Gains 1
非支配株主に帰属する四半期純利益 1 Profit Attributable to Noncontrolling Interests 1
資金運用／調達（リース・割賦売掛金を含む）の状況 (平均残高） 2 Interest-Earning Assets and Interest-Bearing Liabilities (Average Balance) 2
資金運用／調達（リース・割賦売掛金を含む）の状況 (利息） 3 Interest-Earning Assets and Interest-Bearing Liabilities (Interest) 3
資金運用／調達（リース・割賦売掛金を含む）の状況 (利回り（%)) 4 Interest-Earning Assets and Interest-Bearing Liabilities (Yield/Rate (%)) 4
資金調達内訳 4 Overall Funding Composition 4
連結貸借対照表 5 Consolidated Balance Sheets 5
連結損益計算書 6 Consolidated Statements of Income 6
連結包括利益計算書 6 Consolidated Statements of Comprehensive Income 6
買入金銭債権 7 Other Monetary Claims Purchased 7
金銭の信託 7 Monetary Asset Held in Trust 7
有価証券 7 Securities 7
有価証券保有区分別残高 7 Securities by Category 7
業種別貸出内訳 8 Loans by Borrower Industry 8
無形固定資産 8 Intangible Assets 8
繰越欠損金（納税主体ベース） 8 Tax Loss Carryforwards (Taxable Entity Basis) 8
1株当たり配当金（円） 8 Dividends Per Share (JPY) 8
リスク管理債権 9 Risk Monitored Loans 9
子会社別連結リスク管理債権 9 Consolidated Risk Monitored Loans by Subsidiary 9
貸倒引当金 9 Reserve for Credit Losses 9
預金期末残高 9 Deposits and Negotiable Certificates of Deposits (NCDs) 9
Section 2. 新生銀行 連結セグメント別データ 10 Section 2. Shinsei Bank Consolidated Business Line Data 10
Section 2.1 セグメント別業務粗利益 10 Section 2.1 Business Line Total Revenue 10
法人業務 業務粗利益 10 Institutional Business Total Revenue 10
個人業務 業務粗利益 10 Individual Business Total Revenue 10
経営勘定/その他 業務粗利益 11 Corporate/Other Total Revenue 11
経費 11 General and Administrative Expenses 11
実質業務純益 11 Ordinary Business Profit 11
与信関連費用 12 Net Credit Costs 12
与信関連費用加算後 実質業務純益 12 Ordinary Business Profit after Net Credit Costs 12
Section 2.2 セグメント別主要データ 13 Section 2.2 Business Line Key Data 13
法人業務 営業性資産 13 Institutional Business Operating Assets 13
個人業務 営業性資産 13 Individual Business Operating Assets 13
海外事業 営業性資産 13 Overseas Business Operating Assets 13
Section 3. Shinsei Bank Consolidated Financial Ratios, Capital Adequacy and Per
Section 3. 連結財務諸比率、自己資本、1株当たり数値、格付け情報他 14 14
Share Data, and Credit Ratings
財務比率 14 Financial Ratios 14
自己資本関連情報（バーゼルⅢ、国内基準） 14 Capital Adequacy Data (Basel Ⅲ, Domestic Standard) 14
参考情報 14 Reference 14
1株当たり数値(円） 14 Per Share Data (JPY) 14
株式数 14 Share Data 14
格付け（新生銀行） 15 Credit Ratings (Shinsei Bank) 15
格付け（昭和リース） 15 Credit Ratings (Showa Leasing) 15
格付け（新生証券） 15 Credit Ratings (Shinsei Securities) 15
格付け（アプラスフィナンシャル） 15 Credit Ratings (APLUS FINANCIAL) 15
格付け（新生フィナンシャル） 15 Credit Ratings (Shinsei Financial) 15
連結対象会社数 16 Subsidiaries and Affiliates Data 16
その他主要データ 16 Other Key Data 16
Section 4. 無担保ローン事業主要計数 17 Section 4.Unsecured Loan Business Data 17
レイク事業主要計数 Lake Business Summary of Major Business Information
無担保ローン（レイク事業） 17 Unsecured Personal Loan (Lake Business) 17
店舗・チャネル（レイク事業） 17 Number of Branches and Channels (Lake Business) 17
年齢別残高構成比（レイク事業） 17 Balance by Age (Lake Business) 17
性別、既婚・未婚別残高構成比（レイク事業） 17 Balance by Gender and Marital Status (Lake Business) 17
実行残高別残高構成比（レイク事業） 17 Balance by Amount of Origination (Lake Business) 17
年収別残高構成比（レイク事業） 17 Balance by Annual Income (Lake Business) 17
貸出金利帯別残高（レイク事業） 18 Breakdown of Loans by Lending Rates (Lake Business) 18
債務者区分別残高（レイク事業） 18 Balance by Obligor Classification (Lake Business) 18
リスク管理債権（レイク事業） 18 Risk Monitored Loans (Lake Business) 18
ノーローン主要計数 19 NOLOAN Summary of Major Business Information 19
無担保ローン（ノーローン） 19 Unsecured Loans (NOLOAN) 19
成約率（ノーローン） 19 Approval Rate (NOLOAN) 19
店舗・チャネル（ノーローン） 19 Number of Branches and Channels (NOLOAN) 19
貸出金利帯別残高（ノーローン） 19 Balance by Obligor Classification (NOLOAN) 19
年齢別残高構成比（ノーローン） 20 Balance by Age (NOLOAN) 20
性別、既婚・未婚別残高構成比（ノーローン） 20 Balance by Gender and Marital Status (NOLOAN) 20
実行残高別残高構成比（ノーローン） 20 Balance by Amount of Origination (NOLOAN) 20
年収別残高構成比（ノーローン） 20 Balance by Annual Income (NOLOAN) 20
利息返還関連 21 Grey Zone Related Information 21
利息返還関連（新生フィナンシャル） 21 Grey Zone Related Information (Shinsei Financial) 21
利息返還関連（ノーローン） 21 Grey Zone Related Information (NOLOAN) 21
利息返還関連（アプラスフィナンシャル） 21 Grey Zone Related Information (APLUS FINANCIAL) 21
Section 5. 主要子会社の財務データ他 22 Section 5. Subsidiaries' Financial and Business Data 22
新生フィナンシャルの、銀行の勘定科目体系に組替後の、連結損益計算書、 22 Shinsei Financial Consolidated P/L and B/S Data, after reclassification to 22
貸借対照表データ（新生銀行への連結会計処理前） conform to Bank's Financial Statements, before Consolidating to Shinsei Bank
連結損益計算書 22 Consolidated Statements of Income 22
連結貸借対照表 22 Consolidated Balance Sheets 22
株式会社アプラスフィナンシャルの、銀行の勘定科目体系に組替後の、 APLUS FINANCIAL Consolidated P/L and B/S Data, after reclassification to conform to
23 23
連結損益計算書、貸借対照表データ（新生銀行への連結会計処理前） Bank's Financial Statements, before Consolidating to Shinsei Bank
連結損益計算書 23 Consolidated Statements of Income 23
連結貸借対照表 23 Consolidated Balance Sheets 23
アプラスフィナンシャル開示の連結データ 24 APLUS FINANCIAL Consolidated Data Disclosure 24
連結損益の概要 24 Summary of Income Statement 24
営業債権残高 25 Account Receivables 25
顧客数 25 Number of Customers (Thousands) 25
店舗・チャネル 25 Number of Branches and Channels 25
平均貸出金利 25 Average Lending Rates 25
融資残高内訳 26 Breakdown of Loan Receivables 26
延滞残高、比率 26 Balance and Ratio of Delinquent Unsecured Personal Loans 26
加重平均借入金利 26 Weighted Average Funding Rate 26
1口座あたり残高（千円） 26 Credit Outstanding Per Account (Thousands of Yen) 26
年齢別残高構成比 26 Balance by Age 26
性別残高構成比 26 Balance by Gender 26
実行残高別残高構成比 26 Balance by Amount of Origination 26
昭和リース株式会社の、銀行の勘定科目体系に組替後の、連結損益計算書、 Showa Leasing Consolidated P/L and B/S Data, after reclassification to conform to
27 27
貸借対照表データ（新生銀行への連結会計処理前） Bank's Financial Statements, before Consolidating to Shinsei Bank
連結損益計算書 27 Consolidated Statements of Income 27
連結貸借対照表 27 Consolidated Balance Sheets 27
Section 6. 新生銀行 単体財務関連データ 28 Section 6. Shinsei Bank Nonconsolidated P/L and B/S Data 28
単体損益の概要 28 Results of Operations (Nonconsolidated) 28
単体損益計算書 28 Nonconsolidated Statements of Operations 28
与信関連費用 （単体） 28 Net Credit Costs (Nonconsolidated) 28
資金運用／調達の状況（平均残高）（単体） 29 Interest-Earning Assets and Interest-Bearing Liabilities (Average Balance) (Nonconsolidated) 29
資金運用／調達の状況（利息）（単体） 29 Interest-Earning Assets and Interest-Bearing Liabilities (Interest) (Nonconsolidated) 29
資金運用／調達の状況（利回り（%））（単体） 29 Interest-Earning Assets and Interest-Bearing Liabilities (Yield/Rate (%)) (Nonconsolidated) 29
単体貸借対照表 30 Nonconsolidated Balance Sheets 30
リスク管理債権（単体） 31 Risk Monitored Loans (Nonconsolidated) 31
業種別貸出残高（単体） 31 Loans by Borrower Industry (Nonconsolidated) 31
業種別リスク管理債権残高（単体） 32 Risk Monitored Loans by Borrower Industry (Nonconsolidated) 32
Coverage Ratios for Non-Performing Claims Disclosed
金融再生法の開示基準に基づく債権と保全率（単体） 32 32
under the Financial Revitalization Law (Nonconsolidated)
貸倒引当金（単体） 32 Reserve for Credit Losses (Nonconsolidated) 32
債務者区分別の引当率（単体） 33 Reserve Ratios for Borrowers' Category (Nonconsolidated) 33
（参考） 33 (Reference) 33
換算為替レート 33 Exchange Rate Information 33
Section 1. 新生銀行 連結財務関連データ Section 1. Shinsei Bank Consolidated P/L and B/S Data 未監査（単位：10億円） Unaudited (Billions of Yen)
財務の概要* Results of Operations* 2019.10-12 2020.1-3 2020.4-6 2020.7-9 2020.10-12 2021.1-3 2021.4-6 2021.7-9
業務粗利益 Total Revenue 61.6 56.8 54.7 55.5 51.9 59.7 56.0 54.5
資金利益 Net Interest Income 33.5 33.1 31.5 30.3 29.8 30.3 30.7 30.8
非資金利益 Noninterest Income 28.0 23.7 23.1 25.2 22.1 29.3 25.3 23.7
役務取引等利益 Net Fees and Commissions 8.4 8.2 6.4 7.1 8.1 8.4 7.6 8.1
特定取引利益 Net Trading Income 2.5 8.2 1.3 1.0 -0.3 1.8 3.5 0.3
その他業務利益 Net Other Business Income 17.0 7.1 15.3 17.0 14.3 19.0 14.1 15.3
うちリース収益・割賦収益 Income on Leased Assets and Installment Receivables, Net 10.2 10.6 10.0 10.5 10.5 11.9 12.0 12.4
経費 General and Administrative Expenses -37.3 -38.3 -35.8 -36.8 -37.1 -39.7 -38.1 -39.0
人件費 Personnel Expenses -14.4 -14.3 -14.6 -14.8 -14.7 -14.8 -15.4 -15.9
物件費 Nonpersonnel expenses -22.9 -23.9 -21.2 -21.9 -22.3 -24.9 -22.7 -23.0
店舗関連費用 Premises Expenses -5.0 -5.0 -4.7 -4.7 -4.7 -4.8 -4.6 -4.6
通信・データ費、システム費 Technology and Data Processing Expenses -6.3 -6.0 -5.9 -6.3 -6.2 -6.8 -6.3 -6.6
広告費 Advertising Expenses -2.8 -3.3 -2.4 -2.5 -2.9 -3.4 -3.4 -3.0
消費税・固定資産税等 Consumption and Property Taxes -2.7 -2.9 -2.6 -2.6 -2.6 -3.2 -2.6 -2.8
預金保険料 Deposit Insurance Premium -0.3 -0.3 -0.3 -0.3 -0.3 -0.3 -0.3 -0.3
その他 Other General and Administrative Expenses -5.5 -6.2 -5.1 -5.2 -5.4 -6.1 -5.2 -5.6
実質業務純益 Ordinary Business Profit 24.2 18.4 18.8 18.7 14.7 19.9 17.9 15.5
与信関連費用 Net Credit Costs -5.7 -16.8 -11.0 -6.4 -2.4 -8.4 -3.1 -3.4
貸出金償却・債権処分損 Losses on Write-Off of Loans / Losses on Sale of Loans -0.0 -0.1 -0.6 -0.9 -0.1 -0.3 -0.5 -0.3
貸倒引当金繰入 Net Provision of Reserve for Loan Losses -7.4 -17.9 -11.8 -7.2 -4.4 -9.9 -4.9 -6.1
一般貸倒引当金繰入 Net Provision of General Reserve for Loan Losses -6.4 -11.9 -4.9 -5.8 -2.4 -4.5 -2.5 -2.9
個別貸倒引当金繰入 Net Provision of Specific Reserve for Loan Losses -0.9 -5.9 -6.8 -1.4 -1.9 -5.3 -2.4 -3.2
リース業務関連のその他与信関連費用 Other Credit Costs Relating to Leasing Business 0.0 -0.4 -0.0 -0.0 -0.1 -0.0 -0.0 -0.1
償却債権取立益 Recoveries of Written-off Claims 1.6 1.5 1.4 1.8 2.2 1.8 2.4 3.2
与信関連費用加算後実質業務純益 Ordinary Business Profit after Net Credit Costs 18.5 1.5 7.8 12.2 12.3 11.4 14.8 12.0
のれん及び無形資産償却額（グロス） Amortization of Goodwill and Other Intangible Assets -0.6 -0.6 -0.6 -0.6 -0.6 -0.8 -0.8 -0.8
新生フィナンシャル Shinsei Financial -0.0 -0.0 -0.0 -0.0 -0.0 -0.0 -0.0 -0.0
新生パーソナルローン Shinsei Personal Loan 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
アプラスフィナンシャル APLUS FINANCIAL - - - - - - - -
昭和リース Showa Leasing -0.5 -0.5 -0.5 -0.5 -0.5 -0.5 -0.5 -0.5
その他 Others 0.0 0.0 -0.0 -0.0 -0.0 -0.2 -0.2 -0.2
その他利益 Other Gains -0.5 -0.3 0.0 0.8 0.0 13.2 0.5 1.5
特別損益 Extraordinary Income -0.4 -0.8 -0.1 -0.1 -0.0 11.2 -0.1 1.4
固定資産処分損益 Net Gain on Disposal of Premises and Equipment -0.0 -0.3 -0.0 -0.0 -0.0 0.1 -0.0 0.5
その他の特別利益 Other Extraordinary Income -0.4 -0.4 -0.1 -0.0 -0.0 11.1 -0.1 0.9
利息返還損失引当金繰入 Net provisions of Reserve for Losses on Interest Repayment - 1.3 - 0.9 - -0.6 - -0.0
新生フィナンシャル Shinsei Financial - 2.8 - 0.7 - 0.8 - 0.1
新生パーソナルローン Shinsei Personal Loan - 0.2 - 0.2 - 0.2 - -0.1
アプラスフィナンシャル APLUS FINANCIAL - -1.7 - - - -1.6 - -
その他 Other -0.0 -0.8 0.2 -0.0 0.0 2.6 0.7 0.1
税金等調整前四半期純利益 Income before Income Taxes 17.3 0.5 7.2 12.4 11.6 23.9 14.6 12.8
法人税、住民税及び事業税 Current Income Tax -0.3 -2.3 -1.3 -1.5 0.4 -4.6 -3.0 -1.8
法人税等調整額 Deferred Income Tax -0.0 1.8 0.0 -3.5 -0.1 -0.1 0.2 0.5
非支配株主に帰属する四半期純利益 Profit Attributable to Noncontrolling Interests 0.0 0.3 0.0 0.0 0.9 -0.1 -0.2 0.1
親会社株主に帰属する四半期純利益 Profit Attributable to Owners of the Parent 16.9 0.4 5.9 7.4 12.8 18.9 11.6 11.6
注記： 連結損益計算書における営業経費と経営管理ベースの経費（上記テーブル並びに以下の頁）の差は、退職給付費用の一部やその他で臨時費用等とみなされるものによる。
Note: The difference between "General and Administrative Expenses" in Consolidated Statements of Operations and "General and Administrative Expenses" under management accounting basis, which is used in the table above and following pages,
is mainly related to expenses associated with a portion of retirement and other lump-sum compensation expenses.
1
未監査（単位：10億円） Unaudited (Billions of Yen)
資金運用／調達（リース・割賦売掛金を含む）の状況 Interest-Earning Assets and Interest-Bearing Liabilities 2019.10-12 2020.1-3 2020.4-6 2020.7-9 2020.10-12 2021.1-3 2021.4-6 2021.7-9
(平均残高）* (Average Balance)*
資金運用勘定： Interest-Earning Assets:
貸出金 Loans and Bills Discounted 5,172.6 5,074.1 5,128.8 5,156.4 5,124.0 5,296.4 5,234.9 5,226.7
リース債権およびリース投資資産・割賦売掛金 Leased Assets and Installment Receivables 884.0 886.7 910.0 918.9 938.4 1,062.2 1,081.4 1,098.5
有価証券 Securities 1,043.7 931.7 928.8 926.5 901.0 1,018.6 967.7 887.0
その他資金運用勘定 Other Interest-Earning Assets 249.1 226.6 206.1 219.7 213.2 237.7 219.0 199.6
資金運用勘定合計 (A) Total Interest-Earning Assets (A) 7,349.6 7,119.2 7,173.9 7,221.7 7,176.7 7,615.1 7,503.2 7,412.0
資金調達勘定： Interest-Bearing Liabilities:
預金・譲渡性預金 Deposits, including Negotiable Certificates of Deposit 6,088.4 6,105.2 6,164.2 6,298.8 6,441.0 6,566.7 6,512.9 6,533.3
借用金 Borrowed Money 734.9 751.2 939.5 961.0 853.7 973.9 1,030.6 972.7
劣後借入 Subordinated Debt - - - - - - - -
その他借用金 Other Borrowed Money 734.9 751.2 939.5 961.0 853.7 973.9 1,030.6 972.7
社債 Corporate Bonds 102.2 154.9 165.5 211.1 212.3 340.7 374.7 373.6
劣後社債 Subordinated Bonds - - - - - - - -
その他社債 Other Corporate Bonds 102.2 154.9 165.5 211.1 212.3 340.7 374.7 373.6
その他資金調達勘定 Other Interest-Bearing Liabilities 1,202.1 952.9 817.1 723.8 779.6 768.9 849.0 840.5
資金調達勘定合計 (B) Total Interest-Bearing Liabilities (B) 8,127.7 7,964.3 8,086.5 8,194.8 8,286.8 8,650.4 8,767.3 8,720.2
非金利負債 Noninterest-Bearing Sources of Funds:
ネット非金利負債（非金利資産） Noninterest-Bearing (Assets) Liabilities, Net -1,687.3 -1,753.8 -1,815.6 -1,876.6 -2,013.4 -1,947.9 -2,190.6 -2,239.8
純資産の部合計－非支配株主持分 Total Equity Excluding Noncontrolling Interest in Subsidiaries 909.1 908.7 903.0 903.5 903.4 912.6 926.5 931.5
非金利負債合計 (C) Total Noninterest-Bearing Sources of Funds (C) -778.1 -845.1 -912.5 -973.1 -1,110.0 -1,035.3 -1,264.1 -1,308.2
Sum of Total Interest-Bearing Liabilities and Total Noninterest-Bearing Sources of
資金調達勘定・非金利負債合計 (D)=(B)+(C)
Funds (D)=(B)+(C)
7,349.6 7,119.2 7,173.9 7,221.7 7,176.7 7,615.1 7,503.2 7,412.0
Reconciliation of Total Interest-Earning Assets to
経常収益ベース資金運用勘定／収益への組み替え
Ordinary Income Basis Interest Earning Assets
資金運用勘定合計 Total Balance of Interest-Earning Assets 7,349.6 7,119.2 7,173.9 7,221.7 7,176.7 7,615.1 7,503.2 7,412.0
差引：リース債権およびリース投資資産・割賦売掛金 Less: Leased Assets and Installment Receivables 884.0 886.7 910.0 918.9 938.4 1,062.2 1,081.4 1,098.5
経常収益ベース資金運用勘定 Ordinary Income Basis Interest Earning Assets 6,465.5 6,232.5 6,263.9 6,302.8 6,238.3 6,552.8 6,421.7 6,313.4
資金調達費用 Total Interest Expense - - - - - - - -
資金利益 Net Interest Income - - - - - - - -
注記： 1. 前期の数値については、有価証券の平均残高と利回りの訂正による修正を行っております。
2. 前期の数字は今期の表記に調整されています。
Note: 1. Previous period figures for average balance and yield are adjusted to conform to recalculation of the average balance of securities.
2. Previous periods have been adjusted to conform to current period presentation.
2
未監査（単位：10億円） Unaudited (Billions of Yen)
資金運用／調達（リース・割賦売掛金を含む）の状況 Interest-Earning Assets and Interest-Bearing Liabilities 2019.10-12 2020.1-3 2020.4-6 2020.7-9 2020.10-12 2021.1-3 2021.4-6 2021.7-9
（利息)* (Interest)*
資金運用勘定： Interest-Earning Assets:
貸出金 Loans and Bills Discounted 35.3 34.7 33.1 31.4 30.8 31.8 32.0 31.8
リース債権およびリース投資資産・割賦売掛金 Leased Assets and Installment Receivables 10.2 10.6 10.0 10.5 10.5 11.9 12.0 12.4
有価証券 Securities 2.8 2.8 1.5 1.5 1.1 1.2 1.4 1.5
その他資金運用勘定 Other Interest-Earning Assets 0.6 0.6 0.5 0.5 0.5 0.6 0.5 0.5
資金運用勘定合計 (A) Interest Earned on Interest-Earning Assets (A) 49.0 48.8 45.3 44.0 43.1 45.6 46.1 46.4
資金調達勘定： Interest-Bearing Liabilities:
預金・譲渡性預金 Deposits, including Negotiable Certificates of Deposit 1.6 1.9 1.1 1.1 1.0 0.9 0.9 0.8
借用金 Borrowed Money 0.8 0.7 0.8 0.7 0.5 0.5 0.5 0.5
劣後借入 Subordinated Debt - - - - - - - -
その他借用金 Other Borrowed Money 0.8 0.7 0.8 0.7 0.5 0.5 0.5 0.5
社債 Corporate Bonds 0.0 0.1 0.1 0.1 0.1 0.8 0.8 0.8
劣後社債 Subordinated Bonds - - - - - - - -
その他社債 Other Corporate Bonds 0.0 0.1 0.1 0.1 0.1 0.8 0.8 0.8
その他資金調達勘定 Other Interest-Bearing Liabilities 2.7 2.2 1.6 1.1 1.0 0.9 0.9 0.9
資金調達勘定合計 (B) Expense Incurred on Interest-Bearing Liabilities (B) 5.2 5.1 3.7 3.1 2.7 3.3 3.3 3.1
純資金利鞘（ネットインタレストマージン） (A)-(B) Net Interest Margin (A)-(B) 43.8 43.7 41.6 40.8 40.3 42.2 42.8 43.2
非金利負債 Noninterest-Bearing Sources of Funds:
ネット非金利負債（非金利資産） Noninterest-Bearing (Assets) Liabilities, Net - - - - - - - -
純資産の部合計－非支配株主持分 Total Equity Excluding Noncontrolling Interest in Subsidiaries - - - - - - - -
非金利負債合計 (C) Expense Incurred on Noninterest-Bearing Sources of Funds (C) - - - - - - - -
Sum of Expense Incurred on Interest-Bearing Liabilities and Expense Incurred on
資金調達勘定・非金利負債合計 (D)=(B)+(C)
Noninterest-Bearing Sources of Funds (D)=(B)+(C)
5.2 5.1 3.7 3.1 2.7 3.3 3.3 3.1
資金利益/資金運用利回り（リース・割賦売掛金を含む） (A)-(D) Interest Earned Less Expense Incurred (A)-(D) 43.8 43.7 41.6 40.8 40.3 42.2 42.8 43.2
Reconciliation of Interest Earned on Interest-Earning Assets to
経常収益ベース資金運用勘定／収益への組み替え
Total Interest Income
資金運用勘定合計 Interest Earned on Interest-Earning Assets 49.0 48.8 45.3 44.0 43.1 45.6 46.1 46.4
差引：リース債権およびリース投資資産・割賦売掛金 Less: Leased Assets and Installment Receivables 10.2 10.6 10.0 10.5 10.5 11.9 12.0 12.4
経常収益ベース資金運用勘定 Ordinary Income Basis Interest Earned on Interest-Earning Assets 38.8 38.2 35.2 33.5 32.5 33.6 34.0 33.9
資金調達費用 Total Interest Expense 5.2 5.1 3.7 3.1 2.7 3.3 3.3 3.1
資金利益 Net Interest Income 33.5 33.1 31.5 30.3 29.8 30.3 30.7 30.8
注記： 1. 前期の数値については、有価証券の平均残高と利回りの訂正による修正を行っております。
2. 前期の数字は今期の表記に調整されています。
Note: 1. Previous period figures for average balance and yield are adjusted to conform to recalculation of the average balance of securities.
2. Previous periods have been adjusted to conform to current period presentation.
3
未監査（単位：10億円） Unaudited (Billions of Yen)
資金運用／調達（リース・割賦売掛金を含む）の状況 Interest-Earning Assets and Interest-Bearing Liabilities 2019.10-12 2020.1-3 2020.4-6 2020.7-9 2020.10-12 2021.1-3 2021.4-6 2021.7-9
（利回り（%))* (Yield/Rate (%))*
資金運用勘定： Interest-Earning Assets:
貸出金 Loans and Bills Discounted 2.71 2.75 2.59 2.42 2.39 2.44 2.46 2.42
リース債権およびリース投資資産・割賦売掛金 Leased Assets and Installment Receivables 4.61 4.82 4.45 4.54 4.47 4.56 4.48 4.48
有価証券 Securities 1.09 1.23 0.67 0.66 0.50 0.50 0.59 0.67
その他資金運用勘定 Other Interest-Earning Assets *** *** *** *** *** *** *** ***
資金運用勘定合計 (A) Yield on Interest-Earning Assets (A) 2.66 2.76 2.54 2.42 2.39 2.43 2.47 2.48
資金調達勘定： Interest-Bearing Liabilities:
預金・譲渡性預金 Deposits, including Negotiable Certificates of Deposit 0.11 0.13 0.08 0.07 0.06 0.06 0.06 0.05
借用金 Borrowed Money 0.43 0.41 0.34 0.32 0.27 0.25 0.23 0.20
劣後借入 Subordinated Debt - - - - - - - -
その他借用金 Other Borrowed Money 0.43 0.41 0.34 0.32 0.27 0.25 0.23 0.20
社債 Corporate Bonds 0.26 0.27 0.26 0.24 0.26 1.00 0.92 0.91
劣後社債 Subordinated Bonds - - - - - - - -
その他社債 Other Corporate Bonds 0.26 0.27 0.26 0.24 0.26 1.00 0.92 0.91
その他資金調達勘定 Other Interest-Bearing Liabilities *** *** *** *** *** *** *** ***
資金調達勘定合計 (B) Rate on Interest-Bearing Liabilities (B) 0.26 0.26 0.18 0.15 0.13 0.16 0.15 0.14
純資金利鞘（ネットインタレストマージン） (A)-(B) Net Interest Margin (A)-(B) 2.40 2.50 2.35 2.26 2.25 2.27 2.32 2.34
非金利負債 Noninterest-Bearing Sources of Funds:
ネット非金利負債（非金利資産） Noninterest-Bearing (Assets) Liabilities, Net - - - - - - - -
純資産の部合計－非支配株主持分 Total Equity Excluding Noncontrolling Interest in Subsidiaries - - - - - - - -
非金利負債合計 Rate on Noninterest-Bearing Sources of Funds - - - - - - - -
Sum of Rate on Interest-Bearing Liabilities and Rate on Noninterest-Bearing Sources of
資金調達勘定・非金利負債合計
Funds
0.28 0.29 0.21 0.17 0.15 0.18 0.18 0.17
資金利益/資金運用利回り（リース・割賦売掛金を含む） Yield on Net Interest Income (Incl. Leased Assets and Installment Receivables) 2.37 2.47 2.33 2.24 2.23 2.25 2.29 2.32
Reconciliation of Total Revenue on Interest-Earning Assets to
経常収益ベース資金運用勘定／収益への組み替え
Total Interest Income
資金運用勘定合計 Yield on Interest-Earning Assets 2.66 2.76 2.54 2.42 2.39 2.43 2.47 2.48
差引：リース債権およびリース投資資産・割賦売掛金 Less: Leased Assets and Installment Receivables 4.61 4.82 4.45 4.54 4.47 4.56 4.48 4.48
経常収益ベース資金運用勘定 Ordinary Income Basis Yield on Interest-Earning Assets 2.39 2.47 2.26 2.11 2.07 2.09 2.13 2.14
資金調達費用 Total Interest Expense - - - - - - - -
資金利益 Net Interest Income - - - - - - - -
注記： 1. 前期の数値については、有価証券の平均残高と利回りの訂正による修正を行っております。
2. 前期の数字は今期の表記に調整されています。
Note: 1. Previous period figures for average balance and yield are adjusted to conform to recalculation of the average balance of securities.
2. Previous periods have been adjusted to conform to current period presentation.
資金調達内訳* Overall Funding Composition* 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
顧客からの資金調達 Total Customer Based Funding 6,230.9 6,305.1 6,189.9 6,393.9 6,462.9 6,571.3 6,540.4 6,490.9
法人預金 Institutional Deposits 1,531.5 1,646.1 1,460.5 1,577.0 1,555.5 1,683.2 1,668.2 1,702.2
リテール預金 Retail Deposits 4,699.3 4,658.9 4,729.4 4,816.9 4,907.3 4,888.1 4,872.1 4,788.7
仕組預金 Structured Deposits 227.2 211.2 202.0 199.3 193.3 179.2 174.5 158.7
コールマネー及び売渡手形 Call Money 290.0 165.0 90.0 95.0 82.4 30.0 46.0 24.0
売現先勘定 Payables under Repurchase Agreements 36.4 38.9 41.0 11.0 26.9 47.7 35.5 77.0
債券貸借取引受入担保金 Collateral Related Securities Lending Transactions 430.8 350.4 364.2 311.1 335.0 395.4 409.8 424.5
コマーシャル･ペーパー Commercial Paper - - - - - - - -
借用金 Borrowed Money 692.5 881.9 965.6 880.4 968.2 1,026.6 987.8 964.7
社債及び短期社債 Corporate Bonds and Short-Term Corporate Bonds 390.9 387.8 339.3 580.5 572.5 586.3 603.2 599.2
資金調達内訳 Overall Funding Composition 8,072.5 8,130.0 7,991.2 8,273.4 8,450.3 8,658.3 8,623.8 8,581.4
注記： 1. 前期の数字は今期の表記に調整されています。
Note: 1. Previous periods have been adjusted to conform to current period presentation.
4
未監査（単位：10億円） Unaudited (Billions of Yen)
連結貸借対照表 Consolidated Balance Sheets 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
資産の部： Assets:
現金預け金 Cash and Due from Banks 1,452.8 1,614.1 1,414.7 1,659.2 1,798.1 1,919.0 1,915.4 1,901.3
コールローン及び買入手形 Call Loans and Bills Bought - - - - - - - -
買現先勘定 Receivables under Resale Agreements - - - - - - - -
債券貸借取引支払保証金 Receivables under Securities Borrowing Transactions 1.0 - - - - - - -
買入金銭債権 Other Monetary Claims Purchased 70.2 63.5 59.1 55.0 51.1 46.1 42.4 37.2
特定取引資産 Trading Assets 183.2 213.7 201.7 201.0 185.3 170.3 173.5 163.4
金銭の信託 Monetary Assets Held in Trust 428.8 415.1 428.2 393.8 392.1 393.9 397.2 384.7
有価証券 Securities 981.0 957.0 916.7 853.2 902.2 929.7 957.6 945.9
貸出金 Loans and Bills Discounted 5,119.7 5,110.4 5,113.8 5,204.1 5,183.7 5,233.6 5,209.5 5,194.1
外国為替 Foreign Exchanges 50.3 73.8 58.3 64.5 50.2 83.7 55.2 58.1
リース債権及びリース投資資産 Lease Receivables and Leased Investment Assets 193.8 193.4 198.6 198.3 193.9 192.1 191.7 190.0
その他資産 Other Assets 1,062.0 1,007.6 1,054.5 1,102.3 1,161.7 1,154.4 1,152.4 1,158.2
割賦売掛金 Installment Receivables 653.9 670.7 676.5 792.8 824.0 839.5 859.5 879.2
有形固定資産 Premises and Equipment 69.4 69.4 66.7 66.1 64.6 63.8 62.4 60.3
有形リース資産 Tangible Leased Assets as Lessor 47.4 47.1 45.1 44.6 43.7 43.2 42.4 41.8
無形固定資産 Intangible Assets 66.4 67.0 65.2 70.9 69.0 68.6 66.5 64.6
のれん Goodwill 10.9 10.6 10.0 16.6 15.8 13.4 12.9 12.2
無形資産 Intangible Assets Acquired in Business Combinations 2.5 2.4 2.4 2.3 2.2 4.1 4.1 4.0
退職給付に係る資産 Assets for Retirement Benefits 11.3 5.6 5.8 5.9 6.0 19.4 19.6 19.8
繰延税金資産 Deferred Tax Assets 13.8 16.9 17.2 14.4 14.5 9.9 10.2 10.2
支払承諾見返 Customers' Liabilities for Acceptances and Guarantees 507.0 526.5 531.0 544.2 549.5 567.7 571.8 576.9
貸倒引当金 Reserve for Credit Losses -98.0 -107.9 -111.2 -109.6 -107.7 -112.8 -110.2 -110.8
資産の部合計 Total Assets 10,113.5 10,226.5 10,020.6 10,323.9 10,514.9 10,740.1 10,715.8 10,654.5
負債及び純資産の部 Liabilities and Equity
負債の部： Liabilities:
預金 Deposits 5,763.9 5,849.2 5,790.6 5,955.3 6,022.3 6,056.1 6,027.8 5,960.0
譲渡性預金 Negotiable Certificates of Deposit 466.9 455.9 399.3 438.6 440.5 515.1 512.5 530.9
コールマネー及び売渡手形 Call Money and Bills Sold 290.0 165.0 90.0 95.0 82.4 30.0 46.0 24.0
売現先勘定 Payables under Repurchase Agreements 36.4 38.9 41.0 11.0 26.9 47.7 35.5 77.0
債券貸借取引受入担保金 Payables under Securities Lending Transactions 430.8 350.4 364.2 311.1 335.0 395.4 409.8 424.5
特定取引負債 Trading Liabilities 163.9 183.9 172.4 172.8 163.4 148.3 150.9 139.0
借用金 Borrowed Money 692.5 881.9 965.6 880.4 968.2 1,026.6 987.8 964.7
外国為替 Foreign Exchanges 0.9 0.6 1.0 1.2 2.2 0.8 0.9 0.6
短期社債 Short-Term Corporate Bonds 274.4 221.3 183.3 227.2 224.4 218.8 229.7 222.3
社債 Corporate Bonds 116.5 166.5 156.0 353.3 348.1 367.5 373.5 376.9
その他負債 Other Liabilities 376.7 404.9 353.8 359.4 380.1 374.9 379.3 365.8
賞与引当金 Accrued Employees' Bonuses 5.9 8.5 2.4 4.9 6.1 8.5 2.5 5.0
役員賞与引当金 Accrued Directors' Bonuses 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
退職給付に係る負債 Liabilities for Retirement Benefits 8.3 8.4 8.3 8.4 8.4 8.0 8.0 8.1
役員退職慰労引当金 Reserve for Directors' Retirement Benefits 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
睡眠預金払戻損失引当金 Reserve for Reimbursement of Deposits - 0.6 0.6 0.5 0.5 0.3 0.3 0.4
睡眠債券払戻損失引当金 Reserve for Reimbursement of Debentures 3.5 3.5 3.4 3.4 3.3 3.3 3.3 3.2
利息返還損失引当金 Reserve for Losses on Interest Repayments 53.3 49.3 46.7 43.3 40.7 39.0 36.7 34.5
繰延税金負債 Deferred Tax Liabilities 0.2 0.1 0.1 0.1 0.3 0.3 0.3 0.2
支払承諾 Acceptances and Guarantees 507.0 526.5 531.0 544.2 549.5 567.7 571.8 576.9
負債の部合計 Total Liabilities 9,191.8 9,316.0 9,110.4 9,410.9 9,603.2 9,809.4 9,777.5 9,715.0
純資産の部： Equity:
資本金 Common Stock 512.2 512.2 512.2 512.2 512.2 512.2 512.2 512.2
資本剰余金 Capital Surplus 78.5 78.5 78.5 78.5 72.9 72.9 72.9 72.9
利益剰余金 Retained Earnings 389.1 389.6 393.1 400.6 413.1 431.6 440.7 452.3
自己株式 Treasury Stock, at Cost -52.5 -61.0 -62.9 -70.5 -78.9 -81.4 -81.3 -91.3
株主資本合計 Total Shareholders' Equity 927.2 919.2 920.9 920.8 919.4 935.3 944.5 946.2
その他有価証券評価差額金 Unrealized Gain (Loss) on Available-for-Sale Securities 4.8 4.7 2.5 4.6 7.8 -0.5 -3.0 -4.6
繰延ヘッジ損益 Deferred Gain (Loss) on Derivatives under Hedge Accounting -17.0 -15.7 -15.9 -16.5 -19.4 -16.7 -15.2 -14.1
為替換算調整勘定 Foreign Currency Translation Adjustments -1.2 -1.6 -1.2 -1.5 -1.7 -1.1 -1.0 -0.4
退職給付に係る調整累計額 Defined Retirement Benefit Plans 0.3 -3.5 -3.5 -3.5 -3.4 5.4 5.3 5.1
その他の包括利益累計額合計 Total Accumulated Other Comprehensive Income -13.0 -16.2 -18.0 -16.9 -16.7 -13.0 -14.0 -13.9
新株予約権 Stock Acquisition Rights 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
非支配株主持分 Noncontrolling Interests 7.4 7.3 7.2 8.9 8.9 8.3 7.6 7.1
純資産の部合計 Total Equity 921.6 910.4 910.2 913.0 911.6 930.7 938.3 939.5
負債及び純資産の部合計 Total Liabilities and Equity 10,113.5 10,226.5 10,020.6 10,323.9 10,514.9 10,740.1 10,715.8 10,654.5
5
未監査（単位：10億円） Unaudited (Billions of Yen)
連結損益計算書 Consolidated Statements of Income 2019.10-12 2020.1-3 2020.4-6 2020.7-9 2020.10-12 2021.1-3 2021.4-6 2021.7-9
経常収益 Ordinary Income 101.3 100.7 89.9 92.1 93.6 98.5 92.3 90.1
資金運用収益 Interest Income 38.8 38.2 35.2 33.5 32.5 33.6 34.0 33.9
貸出金利息 Interest on Loans and Bills Discounted 35.3 34.7 33.1 31.4 30.8 31.8 32.0 31.8
有価証券利息配当金 Interest and Dividends on Securities 2.8 2.8 1.5 1.5 1.1 1.2 1.4 1.5
その他の資金運用収益 Other Interest Income 0.6 0.6 0.5 0.5 0.5 0.6 0.5 0.5
役務取引等収益 Fees and Commissions Income 14.8 14.8 12.7 13.8 14.4 15.1 13.9 14.6
特定取引収益 Trading Income 2.5 8.2 1.4 0.9 -0.3 2.0 3.5 0.3
その他業務収益 Other Business Income 39.7 32.8 37.0 37.6 40.5 39.9 35.2 36.4
その他経常収益 Other Ordinary Income 5.3 6.4 3.3 6.2 6.4 7.6 5.4 4.8
経常費用 Ordinary Expenses 83.4 99.2 82.5 79.5 81.9 85.8 77.6 78.8
資金調達費用 Interest Expenses 5.2 5.1 3.7 3.1 2.7 3.3 3.3 3.1
預金利息 Interest on Deposits 1.6 1.9 1.1 1.1 0.9 0.8 0.8 0.7
借用金利息 Interest on Borrowings 0.8 0.7 0.8 0.7 0.5 0.5 0.5 0.5
社債利息 Interest on Corporate Bonds 0.0 0.1 0.1 0.1 0.1 0.8 0.8 0.8
その他の資金調達費用 Other Interest Expenses 2.7 2.3 1.6 1.1 1.0 1.0 1.0 0.9
役務取引等費用 Fees and Commissions Expenses 6.4 6.6 6.3 6.7 6.2 6.6 6.3 6.4
特定取引費用 Trading Losses - - 0.0 -0.0 0.0 0.1 - -
その他業務費用 Other Business Expenses 25.6 25.9 22.9 23.4 28.4 25.0 22.5 22.4
営業経費 General and Administrative Expenses 37.9 39.3 36.5 37.6 37.8 39.7 38.8 39.7
のれん償却額 Amortization of Goodwill 0.5 0.5 0.5 0.5 0.5 0.6 0.6 0.6
無形資産償却額 Amortization of Intangible Assets Acquired in Business Combinations 0.0 0.0 0.0 0.0 0.0 0.1 0.1 0.1
営業経費（のれん及び無形資産償却を除く） Other General and Administrative Expenses 37.2 38.7 35.9 36.9 37.2 38.9 38.0 38.9
その他経常費用 Other Ordinary Expenses 8.2 22.1 12.8 8.7 6.4 10.8 6.6 6.9
貸倒引当金繰入額 Provision of Reserve for Credit Losses 7.4 17.9 11.8 7.2 4.4 9.9 4.9 6.1
その他 Other 0.7 4.2 1.0 1.4 2.0 0.9 1.6 0.7
経常利益 Ordinary Profit 17.8 1.4 7.3 12.5 11.7 12.6 14.7 11.3
特別利益 Extraordinary Gains 0.0 0.0 0.0 0.0 0.0 12.0 0.0 1.6
特別損失 Extraordinary Losses 0.4 0.8 0.1 0.1 0.0 0.8 0.1 0.1
税金等調整前四半期純利益 Income before Income Taxes 17.3 0.5 7.2 12.4 11.6 23.9 14.6 12.8
税金 Income Taxes:
法人税、住民税及び事業税 Income Taxes (Benefits) - Current 0.3 2.3 1.3 1.5 -0.4 4.6 3.0 1.8
法人税等調整額 Income Taxes (Benefits) - Deferred 0.0 -1.8 -0.0 3.5 0.1 0.1 -0.2 -0.5
非支配株主に帰属する四半期純利益 Profit Attributable to Noncontrolling Interests -0.0 -0.3 -0.0 -0.0 -0.9 0.1 0.2 -0.1
親会社株主に帰属する四半期純利益 Profit Attributable to Owners of the Parent 16.9 0.4 5.9 7.4 12.8 18.9 11.6 11.6
連結包括利益計算書 Consolidated Statements of Comprehensive Income 2019.10-12 2020.1-3 2020.4-6 2020.7-9 2020.10-12 2021.1-3 2021.4-6 2021.7-9
純利益 Profit 16.9 0.1 5.8 7.3 11.9 19.0 11.8 11.4
その他の包括利益 Other Comprehensive Income -1.0 -3.1 -1.8 1.1 0.8 3.1 -1.4 0.0
その他有価証券評価差額金 Unrealized Gain (Loss) on Available-for-Sale Securities -3.8 0.3 -0.1 -0.5 3.9 -3.7 -2.9 -1.4
繰延ヘッジ損益 Deferred Gain (Loss) on Derivatives under Hedge Accounting 1.1 1.3 -0.1 -0.6 -2.9 2.6 1.5 1.1
為替換算調整勘定 Foreign Currency Translation Adjustments 0.3 -0.0 0.0 -0.0 0.0 0.2 0.0 0.6
退職給付に係る調整額 Defined Retirement Benefit Plans -0.0 -3.9 0.0 0.0 0.0 8.9 -0.1 -0.1
持分法適用会社に対する持分相当額 Share of Other Comprehensive Income in Affiliates 1.4 -0.8 -1.6 2.3 -0.2 -5.0 0.0 -0.1
包括利益 Comprehensive Income 15.9 -2.9 3.9 8.5 12.7 22.1 10.3 11.5
親会社株主に係る包括利益 Owners of the Parent 15.9 -2.6 4.0 8.5 12.7 22.2 10.6 11.6
非支配株主に係る包括利益 Noncontrolling Interests -0.0 -0.3 -0.0 -0.0 0.0 -0.0 -0.2 -0.1
6
未監査（単位：10億円） Unaudited (Billions of Yen)
買入金銭債権 Other Monetary Claims Purchased 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
売買目的の買入金銭債権 Trading Purpose n/a 1.9 n/a 1.9 n/a 1.4 n/a 1.3
その他の買入金銭債権 Other n/a 61.6 n/a 53.1 n/a 44.7 n/a 35.9
買入金銭債権 Total Other Monetary Claims Purchased 70.2 63.5 59.1 55.0 51.1 46.1 42.4 37.2
金銭の信託 Monetary Assets Held in Trust 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
運用目的の金銭の信託 Trading Purpose n/a 9.2 n/a 7.9 n/a 6.8 n/a 5.7
その他の金銭の信託 Other n/a 405.8 n/a 385.8 n/a 387.1 n/a 378.9
金銭の信託 Total Monetary Assets Held in Trust 428.8 415.1 428.2 393.8 392.1 393.9 397.2 384.7
有価証券 Securities 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
国債 Japanese National Government Bonds n/a 360.5 n/a 310.5 n/a 349.9 n/a 354.6
地方債 Japanese Local Government Bonds n/a - n/a - n/a - n/a -
社債 Japanese Corporate Bonds n/a 168.9 n/a 162.8 n/a 172.1 n/a 143.8
株式 Japanese Equity Securities n/a 27.7 n/a 32.6 n/a 36.0 n/a 34.2
その他の証券 Foreign Bonds and Other n/a 399.7 n/a 347.2 n/a 371.6 n/a 413.0
有価証券 Total Securities 981.0 957.0 916.7 853.2 902.2 929.7 957.6 945.9
有価証券保有区分別残高 Securities by Category 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
売買目的有価証券のうち有価証券に含まれるもの Trading Securities n/a 0.0 n/a 0.0 n/a 0.0 n/a 0.0
満期保有目的の債券 Securities Being Held to Maturity 307.6 277.1 246.6 216.2 185.8 185.5 155.2 125.1
国債 Japanese National Government Bonds 307.6 277.1 246.6 216.2 185.8 185.5 155.2 125.1
その他 Other - - - - - - - -
その他有価証券 Securities Available for Sale n/a 617.4 n/a 568.5 n/a 736.7 n/a 815.3
その他有価証券で時価をもって貸借対照表価額とするもの Securities Carried at Fair Value 558.8 564.1 554.7 516.5 595.8 690.0 746.6 766.3
株式 Equity Securities 14.0 10.6 10.9 11.5 12.6 13.0 12.2 12.9
国債 Japanese National Government Bonds 86.2 83.4 92.2 94.2 131.6 164.4 217.5 229.5
地方債 Japanese Local Government Bonds - - - - - - - -
社債 Japanese Corporate Bonds 168.7 168.6 170.0 162.6 163.1 171.8 149.0 143.8
その他 Other, Mainly Foreign Debt Securities 289.7 301.3 281.4 248.1 288.3 340.7 367.7 379.9
外国証券 Foreign Securities 288.9 301.2 281.3 247.9 288.2 340.5 367.2 379.6
外貨外国公社債 Foreign Currency Denominated Foreign Corporate and Government Bonds 206.7 223.8 204.9 173.1 212.9 265.0 277.3 292.1
邦貨外国公社債 Yen-Denominated Foreign Corporate and Government Bonds 78.8 76.3 75.2 73.5 73.9 74.0 69.4 68.4
外国株式・その他 Foreign Equity Securities and Others 3.3 1.0 1.1 1.2 1.4 1.4 20.4 19.0
その他証券 Other Securities 0.8 0.1 0.1 0.1 0.1 0.1 0.4 0.2
その他有価証券で時価をもって貸借対照表価額としていないもの Securities whose Consolidated Balance Sheet Amounts are not Measured at Fair Value n/a 53.3 n/a 51.9 n/a 46.6 n/a 48.9
株式 Equity Securities n/a 12.4 n/a 13.7 n/a 15.4 n/a 15.9
社債 Japanese Corporate Bonds n/a 0.2 n/a 0.2 n/a 0.2
外国証券 Foreign Securities n/a 21.4 n/a 20.8 n/a 12.0 n/a 12.6
その他 Other n/a 19.0 n/a 17.1 n/a 18.8 n/a 20.4
非連結子会社・関連会社株式 Equity Securities of Unconsolidated Subsidiaries and Affiliates n/a 62.4 n/a 68.4 n/a 7.4 n/a 5.4
有価証券 Total Securities 981.0 957.0 916.7 853.2 902.2 929.7 957.6 945.9
注記：区分名については2021.6の「金融商品に関する会計基準」（2019年7月4日改正）の適用に伴い変更しておりますが、重要性に鑑み、2021.3以前につきましては、従来の開示計数を表示しております。
Note: While names of categories reflect "Accounting for Financial Instruments" (revised on July 4, 2019) since 2021.6 period, figures for periods before 2021.3 are disclosed under the previous format from a view of materiality.
7
未監査（単位：10億円） Unaudited (Billions of Yen)
業種別貸出内訳 Loans by Borrower Industry 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
国内（除く特別国際金融取引勘定分） Domestic Offices (excluding Japan Offshore Market Account):
製造業 Manufacturing 219.1 198.9 209.9 205.6 197.6 201.7 203.1 207.1
農業、林業 Agriculture a hai, 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
漁業 Fishery 0.2 0.0 - - 0.1 0.0 0.0 0.0
鉱業、砕石業、砂利採取業 Mining, Quarrying and Gravel Extraction 0.7 0.3 0.7 0.7 0.6 0.3 0.6 0.2
建設業 Construction 12.1 11.8 14.1 11.5 16.1 12.7 13.8 15.7
電気・ガス・熱供給・水道業 Electric Power, Gas, Heat Supply and Water Supply 350.2 366.3 373.1 399.7 387.8 380.1 400.3 391.8
情報通信業 Information and Communications 58.4 49.4 49.0 44.3 44.4 42.4 40.3 39.1
運輸業、郵便業 Transportation and Postal Service 206.2 194.1 199.4 197.0 192.6 184.8 178.5 177.9
卸売業、小売業 Wholesale and Retail 102.0 105.2 111.9 110.4 102.8 100.4 98.2 95.7
金融業、保険業 Finance and Insurance 519.8 532.1 533.4 520.5 493.2 499.5 501.4 484.8
不動産業 Real Estate 666.2 670.5 657.7 662.5 691.5 706.2 691.5 691.0
各種サービス業 Services 372.2 382.8 393.7 374.9 386.0 377.4 383.5 390.7
地方公共団体 Local Government 65.3 62.6 52.8 54.0 52.4 63.9 51.3 57.6
その他 Others 2,290.8 2,271.8 2,239.0 2,218.8 2,204.5 2,214.8 2,192.7 2,174.4
個人向け貸出（住宅ローン、無担保ローン、クレジットカードキャッシング、 Loans to Individual Customers (Housing Loan, Unsecured Loan, Cashing by Credit
住関連ローン等） Card, Housing Related Loan, etc.) 1,899.5 1,897.8 1,871.9 1,854.7 1,843.5 1,833.1 1,829.7 1,816.7
国内合計 (A) Total Domestic (A) 4,863.7 4,846.3 4,835.2 4,800.5 4,770.2 4,784.9 4,756.0 4,726.5
海外及び特別国際金融取引勘定分 Overseas Offices (including Japan Offshore Market Account):
政府等 Governments 0.0 - - 0.0 0.0 - - -
金融機関 Financial Institutions 36.7 33.1 30.4 29.0 31.7 32.1 28.2 30.7
その他 Others 219.1 230.8 248.1 374.4 381.6 416.5 425.1 436.8
海外合計 (B) Total Overseas (B) 256.0 264.0 278.6 403.5 413.4 448.6 453.4 467.5
合計 (A)+(B) Total (A)+(B) 5,119.7 5,110.4 5,113.8 5,204.1 5,183.7 5,233.6 5,209.5 5,194.1
無形固定資産 Intangible Assets 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
のれん Goodwill 10.9 10.6 10.0 16.6 15.8 13.4 12.9 12.2
新生フィナンシャル Shinsei Financial 0.8 0.8 0.7 0.7 0.6 0.6 0.5 0.5
新生パーソナルローン Shinsei Personal Loan -2.8 -2.7 -2.6 -2.5 -2.4 -2.3 -2.2 -2.1
昭和リース Showa Leasing 11.3 10.8 10.2 9.7 9.1 8.6 8.1 7.5
ファイナンシャル・ジャパン FINANCIAL JAPAN 0.9 0.8 0.8 0.8 0.8 0.7 0.7 0.7
全国賃貸保証 ZenkokuRent Guarantor Service 0.5 0.5 0.5 0.5 0.5 0.5 0.4 0.4
UDC Finance Limited UDC Finance Limited - - - 7.1 6.9 5.0 5.1 4.9
その他 Others -0.0 0.2 0.2 0.2 0.2 0.2 0.2 0.2
連結に伴う無形資産 Intangible Assets Related with Acquisitions 2.5 2.4 2.4 2.3 2.2 4.1 4.1 4.0
昭和リース Showa Leasing 0.5 0.4 0.4 0.3 0.3 0.3 0.2 0.2
全国賃貸保証 ZenkokuRent Guarantor Service 2.0 2.0 1.9 1.9 1.8 1.8 1.7 1.7
UDC Finance Limited UDC Finance Limited - - - - - 2.0 2.0 2.0
その他 Others - - - - - - - -
その他 Other 52.9 53.9 52.7 51.9 50.9 51.0 49.4 48.3
無形固定資産 Intangible Assets 66.4 67.0 65.2 70.9 69.0 68.6 66.5 64.6
繰越欠損金（納税主体ベース） Tax Loss Carryforwards (Taxable Entity Basis) 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
新生銀行（連結納税） Shinsei Bank (Consolidated Tax) n/a 143.7 n/a n/a n/a 164.2 n/a n/a
アプラスフィナンシャル（連結納税） APLUS FINANCIAL (Consolidated Tax) n/a 44.7 n/a n/a n/a - n/a n/a
1株当たり配当金（円） Dividends Per Share (JPY) 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
普通株 Common Share - 10.00 - - - 12.00 - -
8
未監査（単位：10億円） Unaudited (Billions of Yen)
リスク管理債権 Risk Monitored Loans 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
破綻先債権額 Loans to Bankrupt Obligors 4.5 4.5 4.5 3.6 3.5 3.3 3.6 3.5
延滞債権額 Nonaccrual Delinquent Loans 31.3 35.3 47.2 48.2 58.5 52.3 48.8 50.4
3ヵ月以上延滞債権額 Loans Past Due Three Months or More 0.9 0.6 1.5 1.5 0.7 0.9 2.0 1.3
貸出条件緩和債権額 Restructured Loans 45.7 46.6 51.3 54.8 55.7 60.0 62.3 62.6
合計 (A) Total (A) 82.5 87.2 104.6 108.2 118.5 116.7 116.9 117.9
貸出金残高 (B) Loans and Bills Discounted (B) 5,119.7 5,110.4 5,113.8 5,204.1 5,183.7 5,233.6 5,209.5 5,194.1
貸出残高比 (A)/(B) (A)/(B) 1.61% 1.71% 2.05% 2.08% 2.29% 2.23% 2.24% 2.27%
貸倒引当金 (C) Reserve for Credit Losses (C) 98.0 107.9 111.2 109.6 107.7 112.8 110.2 110.8
引当率 (C)/(A) Reserve Ratios (C)/(A) 118.8% 123.8% 106.2% 101.3% 90.9% 96.7% 94.3% 94.0%
子会社別連結リスク管理債権 Consolidated Risk Monitored Loans by Subsidiary 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
新生銀行単体 Shinsei Bank (Nonconsolidated) n/a 17.6 n/a 33.6 n/a 34.2 n/a 32.0
新生フィナンシャル Shinsei Financial n/a 48.0 n/a 46.6 n/a 49.5 n/a 52.5
アプラスフィナンシャル APLUS FINANCIAL n/a 16.4 n/a 17.0 n/a 17.1 n/a 17.3
その他子会社 Other Subsidiaries n/a 5.0 n/a 10.9 n/a 15.7 n/a 16.0
子会社別連結リスク管理債権 Risk-Monitored Loans Breakdown For Large Entities 82.5 87.2 104.6 108.2 118.5 116.7 116.9 117.9
貸倒引当金 Reserve for Credit Losses 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
一般貸倒引当金 General Reserve for Loan Losses 70.6 77.2 76.9 76.5 74.7 76.1 75.2 74.8
個別貸倒引当金 Specific Reserve for Loan Losses 27.4 30.7 34.2 33.1 33.0 36.7 35.0 36.0
特定海外債権引当勘定 Reserve for Loans to Restructuring Countries - - - - - - - -
貸倒引当金合計 Reserve for Credit Losses 98.0 107.9 111.2 109.6 107.7 112.8 110.2 110.8
預金期末残高 Deposits and Negotiable Certificates of Deposits (NCDs) 2019.12 2020.3 2020.6 2020.9 2020.12 2021.3 2021.6 2021.9
預金 Deposits 5,763.9 5,849.2 5,790.6 5,955.3 6,022.3 6,056.1 6,027.8 5,960.0
流動性預金 Liquid (Current, Ordinary, Notice) Deposits 2,659.0 2,680.9 2,713.7 2,682.3 2,745.7 2,828.2 2,842.5 2,807.3
定期性預金 Time Deposits 2,517.1 2,652.1 2,521.0 2,709.2 2,695.9 2,646.8 2,652.0 2,617.4
その他 Other 587.7 516.0 555.8 563.6 580.7 581.0 533.3 535.2
譲渡性預金 Negotiable Certificates of Deposits (NCDs) 466.9 455.9 399.3 438.6 440.5 515.1 512.5 530.9
預金期末残高 Deposits and Negotiable Certificates of Deposits (NCDs) 6,230.9 6,305.1 6,189.9 6,393.9 6,462.9 6,571.3 6,540.4 6,490.9
9
Section 2. 新生銀行 連結セグメント別データ Section 2. Shinsei Bank Consolidated Business Line Data
Section 2.1 セグメント別業務粗利益 Section 2.1 Business Line Total Revenue
・From the first quarter of Fiscal Year 2021, Shinsei Bank Group changed the attributable
・従来は法人業務・個人業務それぞれでビジネス推進及び管理を行ってきた海外連結子 segments of its overseas consolidated subsidiaries and affiliates accounted for by the equity
会社及び持分法適用会社の大宗につき、その帰属セグメントを2021年度第1四半期より method, which had been engaged in the business promotion and administration under
『経営勘定／その他』の下に新設した「海外事業」に変更しております。当該変更に併せて Institutional Business and Individual Business, to "Overseas Business," segment which was
各報告セグメントの2020年度実績も組み替えております。 newly established under "Management Accounts/Other." In conjunction with this change, the
results of each reportable segment for the Fiscal Year 2020 have been reclassified.
未監査（単位：10億円） Unaudited (Billions of Yen)
法人業務 業務粗利益* Institutional Business Total Revenue* 2019.10-12 2020.1-3 2020.4-6 2020.7-9 2020.10-12 2021.1-3 2