新生銀行(東証: 8303)
Shinsei Bank (TSE: 8303)
四半期データブック 2018年12月末
Quarterly Data Book for the Fiscal
Year Ended December 31, 2018
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
親会社株主に帰属する四半期純利益 1 Profit Attributable to Owners of the Parent 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
金融市場業務 業務粗利益 10 Global Markets 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、金融市場業務 13 Institutional Business, Global Markets Business 13
個人業務 13 Individual Business 13
貸出残高 14 Total Loans and Bills Discounted 14
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 15 15
Share Data, and Credit Ratings
財務比率 15 Financial Ratios 15
自己資本関連情報（バーゼルⅢ、国内基準） 15 Capital Adequacy Data (Basel Ⅲ, Domestic Standard) 15
参考情報 15 Reference 15
1株当たり数値(円） 15 Per Share Data (JPY) 15
株式数 15 Share Data 15
格付け（新生銀行） 16 Credit Ratings (Shinsei Bank) 16
格付け（昭和リース） 16 Credit Ratings (Showa Leasing) 16
格付け（新生証券） 16 Credit Ratings (Shinsei Securities) 16
格付け（アプラスフィナンシャル） 16 Credit Ratings (APLUS FINANCIAL) 16
格付け（新生フィナンシャル） 16 Credit Ratings (Shinsei Financial) 16
連結対象会社数 17 Subsidiaries and Affiliates Data 17
その他主要データ 17 Other Key Data 17
Section 4. 無担保ローン事業主要計数 18 Section 4. Unsecured Loan Businesses Data 18
レイク事業主要計数 18 Lake Businesses Summary of Major Business Information 18
無担保ローン（レイク事業） 18 Unsecured Personal Loan (Lake Businesses) 18
店舗・チャネル（レイク事業） 18 Number of Branches and Channels (Lake Businesses) 18
年齢別残高構成比（レイク事業） 18 Balance by Age (Lake Businesses) 18
性別、既婚・未婚別残高構成比（レイク事業） 18 Balance by Gender and Marital Status (Lake Businesses) 18
実行残高別残高構成比（レイク事業） 18 Balance by Amount of Origination (Lake Businesses) 18
年収別残高構成比（レイク事業） 18 Balance by Annual Income (Lake Businesses) 18
貸出金利帯別残高（レイク事業） 19 Breakdown of Loans by Lending Rates (Lake Businesses) 19
債務者区分別残高（レイク事業） 19 Balance by Obligor Classification (Lake Businesses) 19
ノーローン主要計数 20 NOLOAN Summary of Major Business Information 20
無担保ローン（ノーローン） 20 Unsecured Loans (NOLOAN) 20
成約率（ノーローン） 20 Approval Rate (NOLOAN) 20
店舗・チャネル（ノーローン） 20 Number of Branches and Channels (NOLOAN) 20
貸出金利帯別残高（ノーローン） 20 Breakdown of Loans by Lending Rates (NOLOAN) 20
年齢別残高構成比（ノーローン） 21 Balance by Age (NOLOAN) 21
性別、既婚・未婚別残高構成比（ノーローン） 21 Balance by Gender and Marital Status (NOLOAN) 21
実行残高別残高構成比（ノーローン） 21 Balance by Amount of Origination (NOLOAN) 21
年収別残高構成比（ノーローン） 21 Balance by Annual Income (NOLOAN) 21
利息返還関連 22 Grey Zone Related Information 22
利息返還関連（新生フィナンシャル） 22 Grey Zone Related Information (Shinsei Financial) 22
利息返還関連（ノーローン） 22 Grey Zone Related Information (NOLOAN) 22
利息返還関連（アプラスフィナンシャル） 22 Grey Zone Related Information (APLUS FINANCIAL) 22
Section 5. 主要子会社の財務データ他 23 Section 5. Subsidiaries' Financial and Business Data 23
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、 23 Shinsei Financial Consolidated P/L and B/S Data, after reclassification to 23
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 23 Consolidated Statements of Income 23
連結貸借対照表 23 Consolidated Balance Sheets 23
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
24 24
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） to Bank's Financial Statements, before Consolidating to Shinsei Bank
連結損益計算書 24 Consolidated Statements of Income 24
連結貸借対照表 24 Consolidated Balance Sheets 24
アプラスフィナンシャル開示の連結データ 25 APLUS FINANCIAL Consolidated Data Disclosure 25
連結損益の概要 25 Summary of Income Statement 25
営業債権残高 26 Account Receivables 26
顧客数 26 Number of Customers (Thousands) 26
店舗・チャネル 26 Number of Branches and Channels 26
平均貸出金利 26 Average Lending Rates 26
融資残高内訳 27 Breakdown of Loan Receivables 27
延滞残高、比率 27 Balance and Ratio of Delinquent Unsecured Personal Loans 27
加重平均借入金利 27 Weighted Average Funding Rate 27
1口座あたり残高（千円） 27 Credit Outstanding Per Account (Thousands of Yen) 27
年齢別残高構成比 27 Balance by Age 27
性別残高構成比 27 Balance by Gender 27
実行残高別残高構成比 27 Balance by Amount of Origination 27
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
28 28
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 28 Consolidated Statements of Income 28
連結貸借対照表 28 Consolidated Balance Sheets 28
Section 6. 新生銀行 単体財務関連データ 29 Section 6. Shinsei Bank Nonconsolidated P/L and B/S Data 29
単体損益の概要 29 Results of Operations (Nonconsolidated) 29
単体損益計算書 29 Nonconsolidated Statements of Operations 29
与信関連費用 （単体） 29 Net Credit Costs (Nonconsolidated) 29
資金運用／調達の状況（平均残高）（単体） 30 Interest-Earning Assets and Interest-Bearing Liabilities(Average Balance) (Nonconsolidated) 30
資金運用／調達の状況（利息）（単体） 30 Interest-Earning Assets and Interest-Bearing Liabilities(Interest) (Nonconsolidated) 30
資金運用／調達の状況（利回り（%））（単体） 30 Interest-Earning Assets and Interest-Bearing Liabilities(Yield/Rate (%)) (Nonconsolidated) 30
単体貸借対照表 31 Nonconsolidated Balance Sheets 31
リスク管理債権（単体） 32 Risk Monitored Loans (Nonconsolidated) 32
業種別貸出残高（単体） 32 Loans by Borrower Industry (Nonconsolidated) 32
業種別リスク管理債権残高（単体） 33 Risk Monitored Loans by Borrower Industry (Nonconsolidated) 33
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） 33 33
under the Financial Revitalization Law (Nonconsolidated)
貸倒引当金（単体） 33 Reserve for Credit Losses (Nonconsolidated) 33
債務者区分別の引当率（単体） 34 Reserve Ratios for Borrowers' Category (Nonconsolidated) 34
（参考） 34 (Reference) 34
換算為替レート 34 Exchange Rate Information 34
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* 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
業務粗利益 Total Revenue 56.4 57.8 58.0 58.9 57.1 56.9 57.8 58.1
資金利益 Net Interest Income 30.1 31.9 32.2 32.5 31.9 33.4 32.8 33.8
非資金利益 Noninterest Income 26.3 25.9 25.7 26.3 25.1 23.4 24.9 24.3
役務取引等利益 Net Fees and Commissions 6.4 5.7 5.8 7.2 6.2 6.5 8.0 8.4
特定取引利益 Net Trading Income 2.9 1.9 1.4 2.3 2.7 0.6 1.1 2.1
その他業務利益 Net Other Business Income 17.0 18.2 18.4 16.8 16.0 16.1 15.8 13.7
うちリース収益・割賦収益 Income on Leased Assets and Installment Receivables, Net 9.6 9.5 9.1 9.2 9.1 9.1 9.0 9.6
経費 General and Administrative Expenses -35.0 -35.9 -35.7 -35.4 -35.4 -34.8 -36.1 -35.6
人件費 Personnel Expenses -13.9 -13.9 -14.2 -13.8 -13.7 -13.7 -13.9 -13.7
物件費 Nonpersonnel expenses -21.1 -21.9 -21.4 -21.5 -21.6 -21.0 -22.1 -21.8
店舗関連費用 Premises Expenses -4.9 -4.9 -5.1 -5.0 -4.9 -4.7 -4.9 -4.8
通信・データ費、システム費 Technology and Data Processing Expenses -5.0 -5.1 -5.1 -5.1 -5.2 -5.1 -5.8 -6.0
広告費 Advertising Expenses -2.4 -2.9 -2.8 -2.7 -2.4 -2.7 -2.6 -2.6
消費税・固定資産税等 Consumption and Property Taxes -1.7 -2.3 -2.1 -2.3 -2.5 -2.2 -2.4 -2.3
預金保険料 Deposit Insurance Premium -0.5 -0.4 -0.4 -0.4 -0.4 -0.4 -0.4 -0.4
その他 Other General and Administrative Expenses -6.3 -6.0 -5.7 -5.7 -6.0 -5.7 -5.7 -5.4
実質業務純益 Ordinary Business Profit 21.4 21.9 22.3 23.5 21.6 22.0 21.6 22.5
与信関連費用 Net Credit Costs -8.9 -9.1 -10.7 -10.0 -7.3 -10.7 -3.6 -6.6
貸出金償却・債権処分損 Losses on Write-Off of Loans / Losses on Sale of Loans -1.5 -0.0 -0.3 -0.0 -0.0 -0.0 -0.2 -0.0
貸倒引当金繰入 Net Provision of Reserve for Loan Losses -8.6 -10.4 -11.6 -11.5 -9.3 -12.2 -4.8 -8.4
一般貸倒引当金繰入 Net Provision of General Reserve for Loan Losses -3.8 -7.0 -8.0 -6.6 -6.3 -6.9 -1.2 -5.8
個別貸倒引当金繰入 Net Provision of Specific Reserve for Loan Losses -4.7 -3.3 -3.6 -4.9 -3.0 -5.3 -3.6 -2.5
特定海外債権引当勘定繰入 Net Provision of Reserve for Loan Losses to Restructuring Countries - - 0.0 - - - - -
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 -0.2 -0.0 -0.5 0.2 0.0 -0.1 -0.0
償却債権取立益 Recoveries of Written-off Claims 1.2 1.5 1.3 2.1 1.8 1.4 1.6 1.8
与信関連費用加算後実質業務純益 Ordinary Business Profit after Net Credit Costs 12.4 12.7 11.6 13.4 14.3 11.3 17.9 15.8
のれん及び無形資産償却額（グロス） Amortization of Goodwill and Other Intangible Assets -1.1 -1.1 -1.1 -0.8 -0.8 -0.8 -0.8 -0.5
新生フィナンシャル Shinsei Financial -0.6 -0.6 -0.6 -0.3 -0.3 -0.3 -0.3 -
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 - - - - - - -0.0 -
昭和リース Showa Leasing -0.6 -0.6 -0.6 -0.6 -0.6 -0.5 -0.5 -0.6
その他 Others 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
その他利益 Other Gains -4.8 0.6 4.2 -0.0 2.3 0.1 1.8 0.1
特別損益 Extraordinary Income -0.4 0.2 -0.7 -0.2 -0.5 -0.0 -0.1 -0.1
固定資産処分損益 Net Gain on Disposal of Premises and Equipment -0.1 -0.0 -0.0 -0.0 0.5 -0.0 -0.0 -0.0
その他の特別利益 Other Extraordinary Income -0.2 0.2 -0.7 -0.2 -1.1 -0.0 -0.1 -0.1
利息返還損失引当金繰入 Net provisions of Reserve for Losses on Interest Repayment -5.1 - 3.9 - 2.1 - 1.7 -
新生フィナンシャル Shinsei Financial - - 3.9 - 7.8 - 1.5 -
新生パーソナルローン Shinsei Personal Loan -2.0 - - - -2.7 - 0.1 -
アプラスフィナンシャル APLUS FINANCIAL -3.1 - - - -3.0 - - -
その他 Other 0.7 0.3 1.1 0.2 0.7 0.1 0.1 0.3
税金等調整前四半期純利益 Income before Income Taxes 6.4 12.2 14.7 12.5 15.9 10.5 18.9 15.4
法人税、住民税及び事業税 Current Income Tax 0.3 -1.1 0.6 -2.5 1.8 -1.6 0.7 -1.5
法人税等調整額 Deferred Income Tax 0.3 -0.0 -1.1 0.6 -1.9 0.0 -1.0 0.0
非支配株主に帰属する四半期純利益 Profit Attributable to Noncontrolling Interests 0.1 -0.0 -0.0 -0.1 0.0 0.0 -0.0 -0.0
親会社株主に帰属する四半期純利益 Profit Attributable to Owners of the Parent 7.3 10.9 14.1 10.5 15.8 9.0 18.5 13.8
注記： 1. 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: 1. 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 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
(平均残高）* (Average Balance)*
資金運用勘定： Interest-Earning Assets:
貸出金 Loans and Bills Discounted 4,782.2 4,865.4 4,925.0 4,941.1 4,883.3 4,915.4 4,926.8 4,896.1
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 745.5 747.8 743.2 747.0 748.2 751.0 741.6 744.1
有価証券 Securities 1,049.6 1,050.2 1,124.5 1,160.2 1,101.7 1,151.6 1,200.7 1,134.8
その他資金運用勘定 Other Interest-Earning Assets 153.4 171.8 156.6 178.8 141.3 161.2 197.8 210.2
資金運用勘定合計 (A) Total Interest-Earning Assets (A) 6,730.9 6,835.3 6,949.5 7,027.3 6,874.6 6,979.3 7,067.1 6,985.4
資金調達勘定： Interest-Bearing Liabilities:
預金・譲渡性預金 Deposits, including Negotiable Certificates of Deposit 5,854.5 5,898.8 5,947.3 6,041.1 5,976.5 6,068.1 6,075.9 6,015.2
借用金 Borrowed Money 767.6 818.9 781.5 801.8 738.6 755.7 709.4 848.3
劣後借入 Subordinated Debt 12.5 12.4 12.4 12.4 12.4 12.3 2.5 -0.0
その他借用金 Other Borrowed Money 755.1 806.5 769.1 789.4 726.2 743.4 706.9 848.3
社債 Corporate Bonds 115.5 112.2 104.0 89.8 86.6 82.4 88.5 96.6
劣後社債 Subordinated Bonds 31.4 31.4 31.4 26.7 25.0 22.3 14.9 13.8
その他社債 Other Corporate Bonds 84.0 80.8 72.6 63.1 61.5 60.0 73.5 82.7
その他資金調達勘定 Other Interest-Bearing Liabilities 640.5 673.9 768.9 784.3 739.8 833.6 895.6 896.5
資金調達勘定合計 (B) Total Interest-Bearing Liabilities (B) 7,378.3 7,504.0 7,601.9 7,717.2 7,541.6 7,740.0 7,769.6 7,856.7
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 -1,463.0 -1,491.9 -1,485.7 -1,535.7 -1,520.0 -1,617.5 -1,567.9 -1,748.0
純資産の部合計－非支配株主持分 Total Equity Excluding Noncontrolling Interest in Subsidiaries 815.7 823.2 833.4 845.8 852.9 856.9 865.4 876.8
非金利負債合計 (C) Total Noninterest-Bearing Sources of Funds (C) -647.3 -668.6 -652.3 -689.9 -667.0 -760.6 -702.5 -871.2
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) 6,730.9 6,835.3 6,949.5 7,027.3 6,874.6 6,979.3 7,067.1 6,985.4
Funds (D)=(B)+(C)
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 6,730.9 6,835.3 6,949.5 7,027.3 6,874.6 6,979.3 7,067.1 6,985.4
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 745.5 747.8 743.2 747.0 748.2 751.0 741.6 744.1
経常収益ベース資金運用勘定 Ordinary Income Basis Interest Earning Assets 5,985.3 6,087.4 6,206.2 6,280.3 6,126.3 6,228.3 6,325.4 6,241.3
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 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
（利息)* (Interest)*
資金運用勘定： Interest-Earning Assets:
貸出金 Loans and Bills Discounted 32.1 32.9 33.8 34.2 33.8 34.6 35.0 35.1
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 9.6 9.5 9.1 9.2 9.1 9.1 9.0 9.6
有価証券 Securities 1.8 3.2 2.9 2.9 2.6 3.4 2.5 3.7
その他資金運用勘定 Other Interest-Earning Assets 0.4 0.4 0.4 0.4 0.5 0.5 0.4 0.5
資金運用勘定合計 (A) Interest Earned on Interest-Earning Assets (A) 44.1 46.1 46.4 46.8 46.0 47.7 47.0 49.0
資金調達勘定： Interest-Bearing Liabilities:
預金・譲渡性預金 Deposits, including Negotiable Certificates of Deposit 2.1 2.0 2.2 2.4 2.2 2.1 1.9 2.2
借用金 Borrowed Money 0.8 0.8 0.8 0.9 0.8 0.8 0.9 0.7
劣後借入 Subordinated Debt 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -
その他借用金 Other Borrowed Money 0.7 0.7 0.7 0.8 0.7 0.8 0.8 0.7
社債 Corporate Bonds 0.2 0.2 0.2 0.2 0.1 0.1 0.1 0.1
劣後社債 Subordinated Bonds 0.1 0.1 0.2 0.1 0.1 0.1 0.0 0.0
その他社債 Other Corporate Bonds 0.0 0.0 - 0.0 0.0 0.0 0.0 0.0
その他資金調達勘定 Other Interest-Bearing Liabilities 1.1 1.5 1.5 1.5 1.6 1.9 2.1 2.4
資金調達勘定合計 (B) Expense Incurred on Interest-Bearing Liabilities (B) 4.3 4.7 4.9 5.0 4.9 5.1 5.1 5.6
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) 39.7 41.4 41.4 41.8 41.1 42.6 41.9 43.4
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) 4.3 4.7 4.9 5.0 4.9 5.1 5.1 5.6
Noninterest-Bearing Sources of Funds (D)=(B)+(C)
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) 39.7 41.4 41.4 41.8 41.1 42.6 41.9 43.4
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 44.1 46.1 46.4 46.8 46.0 47.7 47.0 49.0
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 9.6 9.5 9.1 9.2 9.1 9.1 9.0 9.6
経常収益ベース資金運用勘定 Ordinary Income Basis Interest Earned on Interest-Earning Assets 34.4 36.6 37.2 37.6 36.9 38.5 38.0 39.4
資金調達費用 Total Interest Expense 4.3 4.7 4.9 5.0 4.9 5.1 5.1 5.6
資金利益 Net Interest Income 30.1 31.9 32.2 32.5 31.9 33.4 32.8 33.8
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 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
（利回り（%))* (Yield/Rate (%))*
資金運用勘定： Interest-Earning Assets:
貸出金 Loans and Bills Discounted 2.73 2.71 2.72 2.75 2.81 2.83 2.82 2.85
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 5.25 5.11 4.90 4.89 4.94 4.88 4.84 5.13
有価証券 Securities 0.72 1.24 1.04 0.99 0.96 1.19 0.84 1.33
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 2.71 2.65 2.65 2.72 2.74 2.64 2.79
資金調達勘定： Interest-Bearing Liabilities:
預金・譲渡性預金 Deposits, including Negotiable Certificates of Deposit 0.15 0.14 0.15 0.16 0.16 0.14 0.13 0.15
借用金 Borrowed Money 0.43 0.42 0.43 0.45 0.47 0.48 0.50 0.37
劣後借入 Subordinated Debt 2.33 2.37 2.37 2.36 2.37 2.37 2.39 0.00
その他借用金 Other Borrowed Money 0.39 0.39 0.40 0.42 0.43 0.44 0.50 0.37
社債 Corporate Bonds 0.96 0.97 1.04 0.95 0.89 0.84 0.53 0.47
劣後社債 Subordinated Bonds 2.50 2.53 2.57 2.36 2.20 2.14 1.69 1.67
その他社債 Other Corporate Bonds 0.38 0.37 0.38 0.36 0.36 0.36 0.30 0.27
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) 0.24 0.25 0.26 0.26 0.27 0.27 0.26 0.28
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) 2.42 2.46 2.39 2.39 2.45 2.47 2.38 2.50
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
資金調達勘定・非金利負債合計 0.26 0.28 0.28 0.29 0.29 0.29 0.29 0.32
of Funds
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) 2.40 2.43 2.37 2.36 2.42 2.45 2.35 2.47
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 2.71 2.65 2.65 2.72 2.74 2.64 2.79
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 5.25 5.11 4.90 4.89 4.94 4.88 4.84 5.13
経常収益ベース資金運用勘定 Ordinary Income Basis Yield on Interest-Earning Assets 2.34 2.41 2.38 2.38 2.45 2.48 2.39 2.51
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* 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
顧客からの資金調達 Total Customer Based Funding 5,869.4 5,911.2 6,004.0 6,105.9 6,067.5 6,059.7 6,041.3 6,047.0
法人預金 Institutional Deposits 987.2 966.4 1,045.5 1,084.1 1,182.5 1,181.2 1,278.9 1,278.9
リテール預金 Retail Deposits 4,875.6 4,939.3 4,954.7 5,020.0 4,884.5 4,878.4 4,762.4 4,730.0
仕組預金 Structured Deposits 292.8 284.3 276.1 279.7 289.3 298.1 308.4 274.4
コールマネー及び売渡手形 Call Money 53.6 110.4 80.9 - - - 5.3 0.7
売現先勘定 Payables under Repurchase Agreements 36.4 32.1 35.3 59.1 55.9 51.8 64.3 42.7
債券貸借取引受入担保金 Collateral Related Securities Lending Transactions 337.9 370.8 389.4 418.9 433.4 463.1 542.0 504.6
コマーシャル･ペーパー Commercial Paper - - - - - - - -
借用金 Borrowed Money 789.6 777.5 788.0 754.4 739.5 712.9 700.2 688.7
社債及び短期社債 Corporate Bonds and Short-Term Corporate Bonds 280.6 310.0 282.5 259.6 260.7 268.9 281.2 304.6
資金調達内訳 Overall Funding Composition 7,367.8 7,512.1 7,580.3 7,598.2 7,557.2 7,556.6 7,634.6 7,589.1
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 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
資産の部： Assets:
現金預け金 Cash and Due from Banks 1,398.6 1,504.7 1,476.3 1,444.8 1,465.6 1,505.7 1,396.7 1,360.5
コールローン及び買入手形 Call Loans and Bills Bought 4.4 - - - - - - -
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 1.6 5.6 1.5 2.5 2.6 2.6 0.5 1.5
買入金銭債権 Other Monetary Claims Purchased 44.2 40.1 37.1 33.4 36.3 32.4 29.4 29.6
特定取引資産 Trading Assets 244.1 226.3 223.8 211.9 205.2 202.8 188.5 192.3
金銭の信託 Monetary Assets Held in Trust 241.6 230.0 235.5 241.5 234.9 255.2 267.5 274.9
有価証券 Securities 1,014.6 1,099.9 1,144.2 1,156.3 1,123.5 1,121.6 1,217.5 1,118.6
貸出金 Loans and Bills Discounted 4,833.4 4,859.7 4,909.1 4,944.1 4,895.9 4,846.7 4,877.0 4,943.4
外国為替 Foreign Exchanges 19.6 22.3 31.7 30.6 32.5 22.5 33.4 30.2
リース債権及びリース投資資産 Lease Receivables and Leased Investment Assets 191.4 184.0 181.0 174.5 171.4 164.6 159.2 178.1
その他資産 Other Assets 895.1 824.4 819.6 836.2 856.2 849.8 900.5 920.1
割賦売掛金 Installment Receivables 541.4 533.0 540.1 548.9 558.8 556.2 549.3 563.3
有形固定資産 Premises and Equipment 47.9 50.6 49.6 53.4 50.2 47.3 47.6 46.0
有形リース資産 Tangible Leased Assets as Lessor 22.4 25.3 24.9 29.4 27.9 26.0 26.1 25.2
無形固定資産 Intangible Assets 52.0 54.3 55.5 57.7 59.4 68.2 67.0 67.3
のれん Goodwill 14.6 13.9 13.1 12.5 11.9 11.2 10.6 10.4
無形資産 Intangible Assets Acquired in Business Combinations 2.5 2.1 1.7 1.5 1.2 1.0 0.8 0.7
退職給付に係る資産 Assets for Retirement Benefits 7.0 7.8 8.5 9.2 13.2 14.0 14.3 14.5
債券繰延資産 Deferred Issuance Expenses for Debentures 0.0 0.0 0.0 - - - - -
繰延税金資産 Deferred Tax Assets 15.5 15.7 14.8 15.1 14.7 15.0 14.3 14.5
支払承諾見返 Customers' Liabilities for Acceptances and Guarantees 346.6 346.6 365.2 383.9 395.3 408.2 422.1 441.4
貸倒引当金 Reserve for Credit Losses -100.1 -94.2 -98.8 -99.8 -100.8 -103.5 -100.7 -101.1
資産の部合計 Total Assets 9,258.3 9,378.6 9,455.3 9,495.8 9,456.6 9,453.8 9,535.5 9,532.4
負債及び純資産の部 Liabilities and Equity
負債の部： Liabilities:
預金 Deposits 5,489.2 5,562.2 5,581.9 5,685.8 5,628.1 5,617.4 5,561.5 5,524.8
譲渡性預金 Negotiable Certificates of Deposit 373.6 343.6 418.3 418.3 438.9 442.2 479.7 522.1
債券 Debentures 6.5 5.3 3.7 1.7 0.4 - - -
コールマネー及び売渡手形 Call Money and Bills Sold 53.6 110.4 80.9 - - - 5.3 0.7
売現先勘定 Payables under Repurchase Agreements 36.4 32.1 35.3 59.1 55.9 51.8 64.3 42.7
債券貸借取引受入担保金 Payables under Securities Lending Transactions 337.9 370.8 389.4 418.9 433.4 463.1 542.0 504.6
特定取引負債 Trading Liabilities 212.2 207.2 198.7 192.1 184.5 179.9 166.4 171.1
借用金 Borrowed Money 789.6 777.5 788.0 754.4 739.5 712.9 700.2 688.7
外国為替 Foreign Exchanges 0.1 0.0 0.0 0.0 0.1 0.0 0.0 0.5
短期社債 Short-Term Corporate Bonds 168.0 199.4 187.9 171.6 175.7 193.4 193.9 212.3
社債 Corporate Bonds 112.6 110.6 94.6 88.0 85.0 75.5 87.3 92.3
その他負債 Other Liabilities 388.3 375.5 367.8 368.6 367.7 361.1 355.8 364.8
賞与引当金 Accrued Employees' Bonuses 8.5 2.4 4.9 6.0 8.4 2.5 4.9 5.9
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 8.2 8.2 8.4 8.5 8.3 8.3 8.3 8.4
睡眠債券払戻損失引当金 Reserve for Reimbursement of Debentures 3.7 3.2 3.6 3.7 4.1 4.0 4.0 3.9
利息返還損失引当金 Reserve for Losses on Interest Repayments 101.8 94.6 85.0 80.4 74.6 70.9 65.7 62.1
繰延税金負債 Deferred Tax Liabilities - - - - - - - -
支払承諾 Acceptances and Guarantees 346.6 346.6 365.2 383.9 395.3 408.2 422.1 441.4
負債の部合計 Total Liabilities 8,437.5 8,550.3 8,614.2 8,641.8 8,600.6 8,592.0 8,662.2 8,647.1
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 78.5 78.5 78.5 78.5
利益剰余金 Retained Earnings 312.5 320.8 335.0 345.5 361.3 303.5 322.1 336.0
自己株式 Treasury Stock, at Cost -79.5 -79.5 -79.5 -79.5 -89.5 -27.4 -37.3 -37.7
株主資本合計 Total Shareholders' Equity 823.7 832.0 846.2 856.7 862.5 866.8 875.5 889.0
その他有価証券評価差額金 Unrealized Gain (Loss) on Available-for-Sale Securities 10.2 10.8 7.7 8.7 5.1 6.9 6.6 7.2
繰延ヘッジ損益 Deferred Gain (Loss) on Derivatives under Hedge Accounting -13.9 -14.7 -14.0 -14.0 -14.4 -14.4 -12.3 -14.3
為替換算調整勘定 Foreign Currency Translation Adjustments 0.1 -0.3 0.5 1.0 -1.5 -1.9 -1.1 -1.9
退職給付に係る調整累計額 Defined Retirement Benefit Plans -1.3 -1.1 -0.9 -0.8 2.0 2.1 2.3 2.4
その他の包括利益累計額合計 Total Accumulated Other Comprehensive Income -4.7 -5.3 -6.7 -5.1 -8.7 -7.1 -4.5 -6.5
新株予約権 Stock Acquisition Rights 0.5 0.3 0.3 0.3 0.3 0.1 0.1 0.0
非支配株主持分 Noncontrolling Interests 1.2 1.3 1.3 2.0 1.9 2.0 2.1 2.7
純資産の部合計 Total Equity 820.7 828.3 841.1 853.9 856.0 861.8 873.2 885.3
負債及び純資産の部合計 Total Liabilities and Equity 9,258.3 9,378.6 9,455.3 9,495.8 9,456.6 9,453.8 9,535.5 9,532.4
5
未監査（単位：10億円） Unaudited (Billions of Yen)
連結損益計算書 Consolidated Statements of Income 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
経常収益 Ordinary Income 95.2 92.4 98.0 95.6 97.7 91.7 95.6 91.7
資金運用収益 Interest Income 34.4 36.6 37.2 37.6 36.9 38.5 38.0 39.4
貸出金利息 Interest on Loans and Bills Discounted 32.1 32.9 33.8 34.2 33.8 34.6 35.0 35.1
有価証券利息配当金 Interest and Dividends on Securities 1.8 3.2 2.9 2.9 2.6 3.4 2.5 3.7
その他の資金運用収益 Other Interest Income 0.4 0.4 0.4 0.4 0.5 0.5 0.4 0.5
役務取引等収益 Fees and Commissions Income 12.4 12.0 12.2 13.2 12.6 12.7 14.4 14.1
特定取引収益 Trading Income 2.9 1.9 1.4 2.3 2.7 0.9 1.3 1.7
その他業務収益 Other Business Income 40.9 36.2 33.7 35.5 35.8 34.9 34.5 30.7
その他経常収益 Other Ordinary Income 4.4 5.5 13.2 6.8 9.6 4.4 7.3 5.7
経常費用 Ordinary Expenses 88.3 80.3 82.5 82.7 81.3 81.1 76.5 76.1
資金調達費用 Interest Expenses 4.3 4.7 4.9 5.0 4.9 5.1 5.1 5.6
預金利息 Interest on Deposits 2.1 2.0 2.2 2.4 2.2 2.1 1.9 2.2
借用金利息 Interest on Borrowings 0.8 0.8 0.8 0.9 0.8 0.8 0.9 0.7
社債利息 Interest on Corporate Bonds 0.2 0.2 0.2 0.2 0.1 0.1 0.1 0.1
その他の資金調達費用 Other Interest Expenses 1.1 1.5 1.5 1.5 1.6 1.9 2.1 2.4
役務取引等費用 Fees and Commissions Expenses 6.0 6.3 6.4 6.0 6.3 6.1 6.4 5.6
特定取引費用 Trading Losses - - - - - 0.2 0.1 -0.3
その他業務費用 Other Business Expenses 25.0 20.8 21.5 22.3 23.0 20.3 21.3 19.4
営業経費 General and Administrative Expenses 36.0 37.2 37.0 36.4 36.2 35.8 37.3 36.2
のれん償却額 Amortization of Goodwill 0.7 0.7 0.7 0.6 0.6 0.6 0.6 0.4
無形資産償却額 Amortization of Intangible Assets Acquired in Business Combinations 0.3 0.3 0.3 0.2 0.2 0.2 0.2 0.0
営業経費（のれん及び無形資産償却を除く） Other General and Administrative Expenses 34.9 36.0 35.8 35.6 35.4 34.9 36.4 35.7
その他経常費用 Other Ordinary Expenses 16.7 11.2 12.5 12.8 10.8 13.4 6.1 9.4
貸倒引当金繰入額 Provision of Reserve for Credit Losses 8.6 10.4 11.6 11.5 9.3 12.2 4.8 8.4
その他 Other 8.1 0.8 0.8 1.2 1.4 1.2 1.2 1.0
経常利益 Ordinary Profit 6.9 12.0 15.5 12.8 16.4 10.6 19.0 15.6
特別利益 Extraordinary Gains 0.3 0.2 0.0 0.0 0.6 0.2 0.0 0.0
特別損失 Extraordinary Losses 0.7 0.0 0.7 0.3 1.1 0.2 0.1 0.1
税金等調整前四半期純利益 Income before Income Taxes 6.4 12.2 14.7 12.5 15.8 10.5 18.9 15.4
税金 Income Taxes:
法人税、住民税及び事業税 Income Taxes (Benefits) - Current -0.3 1.1 -0.6 2.5 -1.8 1.6 -0.7 1.5
法人税等調整額 Income Taxes (Benefits) - Deferred -0.3 0.0 1.1 -0.6 1.9 -0.0 1.0 -0.0
非支配株主に帰属する四半期純利益 Profit Attributable to Noncontrolling Interests -0.1 0.0 0.0 0.1 -0.0 -0.0 0.0 0.0
親会社株主に帰属する四半期純利益 Profit Attributable to Owners of the Parent 7.3 10.9 14.1 10.5 15.8 9.0 18.5 13.8
連結包括利益計算書 Consolidated Statements of Comprehensive Income 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
純利益 Profit 7.2 11.0 14.1 10.6 15.7 9.0 18.6 13.9
その他の包括利益 Other Comprehensive Income 2.2 -0.5 -1.4 1.5 -3.6 -2.3 2.6 -2.0
その他有価証券評価差額金 Unrealized Gain on Available-for-Sale Securities 1.7 -0.3 -2.4 0.3 -3.5 -2.5 -1.2 0.0
繰延ヘッジ損益 Deferred Gain on Derivatives under Hedge Accounting -0.5 -0.8 0.7 -0.0 -0.4 0.0 2.0 -1.9
為替換算調整勘定 Foreign Currency Translation Adjustments -0.1 -0.4 0.6 -0.0 0.0 -0.5 -0.1 0.1
退職給付に係る調整額 Defined Retirement Benefit Plans 1.3 0.2 0.1 0.0 2.9 0.1 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 -0.0 0.8 -0.4 1.1 -2.7 0.6 1.9 -0.4
包括利益 Comprehensive Income 9.5 10.4 12.7 12.1 12.1 6.7 21.3 11.8
親会社株主に係る包括利益 Owners of the Parent 9.7 10.3 12.7 12.1 12.2 6.7 21.2 11.8
非支配株主に係る包括利益 Noncontrolling Interests -0.1 0.0 0.0 0.0 -0.1 -0.0 0.0 -0.0
6
未監査（単位：10億円） Unaudited (Billions of Yen)
買入金銭債権 Other Monetary Claims Purchased 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
売買目的の買入金銭債権 Trading Purpose 4.2 n/a 2.5 n/a 1.7 n/a 1.7 n/a
その他の買入金銭債権 Other 40.0 n/a 34.6 n/a 34.6 n/a 27.6 n/a
買入金銭債権 Total Other Monetary Claims Purchased 44.2 40.1 37.1 33.4 36.3 32.4 29.4 29.6
金銭の信託 Monetary Assets Held in Trust 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
運用目的の金銭の信託 Trading Purpose 21.7 n/a 19.0 n/a 17.2 n/a 15.7 n/a
その他の金銭の信託 Other 219.8 n/a 216.4 n/a 217.6 n/a 251.8 n/a
金銭の信託 Total Monetary Assets Held in Trust 241.6 230.0 235.5 241.5 234.9 255.2 267.5 274.9
有価証券 Securities 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
国債 Japanese National Government Bonds 495.6 n/a 533.3 n/a 504.5 n/a 554.6 n/a
地方債 Japanese Local Government Bonds - n/a - n/a 2.3 n/a 3.2 n/a
社債 Japanese Corporate Bonds 117.8 n/a 146.1 n/a 157.4 n/a 165.1 n/a
株式 Japanese Equity Securities 34.8 n/a 32.5 n/a 32.7 n/a 32.8 n/a
その他の証券 Foreign Bonds and Other 366.3 n/a 432.2 n/a 426.5 n/a 461.5 n/a
有価証券 Total Securities 1,014.6 1,099.9 1,144.2 1,156.3 1,123.5 1,121.6 1,217.5 1,118.6
有価証券保有区分別残高 Securities by Category 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
売買目的有価証券のうち有価証券に含まれるもの Trading Securities 0.0 n/a 0.0 n/a 0.0 n/a 0.0 n/a
満期保有目的の債券 Securities Being Held to Maturity 496.2 494.5 493.8 486.8 481.3 450.7 455.2 429.7
国債 Japanese National Government Bonds 493.5 492.9 492.4 486.8 481.3 450.7 455.2 429.7
社債 Japanese Corporate Bonds - - - - - - - -
その他 Other 2.7 1.5 1.4 - - - - -
その他有価証券 Securities Available for Sale 468.3 n/a 597.5 n/a 587.6 n/a 698.4 n/a
その他有価証券で時価のあるもの Securities Carried at Fair Value 424.0 507.7 550.6 560.1 534.7 564.3 652.2 582.1
株式 Equity Securities 27.4 28.4 23.2 25.6 21.1 20.6 20.6 16.7
国債 Japanese National Government Bonds 2.0 24.1 40.9 22.4 23.2 61.2 99.4 87.6
地方債 Japanese Local Government Bonds - - - - 2.3 2.4 3.2 -
社債 Japanese Corporate Bonds 117.8 128.4 146.1 160.2 157.4 150.4 165.1 146.8
その他 Other, Mainly Foreign Debt Securities 276.6 326.7 340.4 351.8 330.6 329.6 363.7 330.8
外国証券 Foreign Securities 269.2 313.7 327.5 345.8 326.1 324.3 358.6 325.5
外貨外国公社債 Foreign Currency Denominated Foreign Corporate and Government Bonds 171.1 209.6 220.1 249.1 249.6 250.4 282.7 252.1
邦貨外国公社債 Yen-Denominated Foreign Corporate and Government Bonds 96.9 98.2 100.1 92.5 72.5 68.9 69.1 67.6
外国株式・その他 Foreign Equity Securities and Others 1.1 5.8 7.1 4.1 3.9 4.8 6.7 5.6
その他証券 Other Securities 7.4 12.9 12.9 5.9 4.4 5.3 5.1 5.3
その他有価証券で時価を把握することが極めて困難なもの Securities Carried at Cost whose Fair Value cannot be Reliably Determined 44.3 n/a 46.8 n/a 52.9 n/a 46.2 n/a
株式 Equity Securities 6.7 n/a 8.1 n/a 8.9 n/a 9.0 n/a
外国証券 Foreign Securities 31.2 n/a 31.4 n/a 33.9 n/a 26.6 n/a
その他 Other 6.3 n/a 7.2 n/a 9.9 n/a 10.5 n/a
非連結子会社・関連会社株式 Equity Securities of Unconsolidated Subsidiaries and Affiliates 49.9 n/a 52.8 n/a 54.5 n/a 63.7 n/a
有価証券 Total Securities 1,014.6 1,099.9 1,144.2 1,156.3 1,123.5 1,121.6 1,217.5 1,118.6
7
未監査（単位：10億円） Unaudited (Billions of Yen)
業種別貸出内訳 Loans by Borrower Industry 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
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 198.9 191.5 199.1 204.5 189.6 191.9 191.7 203.0
農業、林業 Agriculture and Forestry 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
漁業 Fishery 0.0 0.0 - - - - - 0.1
鉱業、砕石業、砂利採取業 Mining, Quarrying and Gravel Extraction 0.3 0.6 0.6 0.6 0.4 0.6 0.4 0.7
建設業 Construction 8.9 8.6 7.5 8.9 7.6 7.4 7.7 8.2
電気・ガス・熱供給・水道業 Electric Power, Gas, Heat Supply and Water Supply 230.7 221.8 221.7 237.8 250.1 252.0 268.8 298.4
情報通信業 Information and Communications 42.9 53.3 47.0 76.5 70.5 69.6 64.6 60.8
運輸業、郵便業 Transportation and Postal Service 188.0 184.4 200.6 197.9 197.9 195.4 195.7 198.5
卸売業、小売業 Wholesale and Retail 114.5 106.7 109.4 114.7 114.5 108.0 111.8 112.5
金融業、保険業 Finance and Insurance 573.8 547.0 553.8 539.7 509.1 491.0 530.3 514.3
不動産業 Real Estate 575.6 601.1 602.4 567.9 565.9 556.3 574.1 572.2
各種サービス業 Services 330.1 337.4 335.5 345.3 344.6 345.0 315.9 340.0
地方公共団体 Local Government 76.7 73.9 68.9 67.8 68.4 57.2 58.0 55.1
その他 Others 2,389.1 2,430.5 2,438.5 2,444.4 2,437.3 2,430.4 2,406.2 2,401.1
Loans to Individual Customers
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、住関連ローン等）
(Housing Loan, Unsecured Loan, Cashing by Credit Card, Housing Related Loan, 1,974.4 1,984.8 1,996.1 1,998.9 1,998.2 1,984.9 1,971.6 1,950.7
etc.)
国内合計 (A) Total Domestic (A) 4,730.0 4,757.2 4,785.5 4,806.6 4,756.4 4,705.3 4,725.6 4,765.3
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 0.5 0.5 0.4 0.4 0.3 0.3 0.2 0.2
金融機関 Financial Institutions 7.3 7.4 19.1 29.9 30.8 30.4 29.0 30.7
その他 Others 95.4 94.4 103.9 107.1 108.3 110.5 121.9 147.1
海外合計 (B) Total Overseas (B) 103.3 102.5 123.6 137.5 139.5 141.3 151.3 178.1
合計 (A)+(B) Total (A)+(B) 4,833.4 4,859.7 4,909.1 4,944.1 4,895.9 4,846.7 4,877.0 4,943.4
無形固定資産 Intangible Assets 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
のれん Goodwill 14.6 13.9 13.1 12.5 11.9 11.2 10.6 10.4
新生フィナンシャル Shinsei Financial 1.3 0.9 0.6 0.4 0.3 0.1 - -
新生パーソナルローン Shinsei Personal Loan -3.8 -3.7 -3.6 -3.5 -3.4 -3.3 -3.2 -3.1
アプラスフィナンシャル APLUS FINANCIAL - - - - - - - -
昭和リース Showa Leasing 17.1 16.6 16.0 15.5 15.0 14.4 13.9 13.6
その他 Others -0.0 -0.0 -0.0 -0.0 -0.0 -0.0 -0.0 -0.0
連結に伴う無形資産 Intangible Assets Related with Acquisitions 2.5 2.1 1.7 1.5 1.2 1.0 0.8 0.7
新生フィナンシャル Shinsei Financial 1.3 1.0 0.7 0.5 0.3 0.1 - -
昭和リース Showa Leasing 1.1 1.1 1.0 0.9 0.9 0.8 0.8 0.7
その他 Other 34.8 38.3 40.6 43.6 46.2 55.9 55.5 56.1
無形固定資産 Intangible Assets 52.0 54.3 55.5 57.7 59.4 68.2 67.0 67.3
繰越欠損金（納税主体ベース） Tax Loss Carryforwards (Taxable Entity Basis) 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
新生銀行（連結納税） Shinsei Bank (Consolidated Tax) 250.4 n/a n/a n/a 156.0 n/a n/a n/a
アプラスフィナンシャル（連結納税） APLUS FINANCIAL (Consolidated Tax) 26.0 n/a n/a n/a 41.9 n/a n/a n/a
1株当たり配当金（円） Dividends Per Share (JPY) 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
普通株 Common Share 1.00 - - - 10.00 - - -
注記： 1. 2017年10月1日付で普通株式10株につき1株の割合で株式併合を実施いたしました。
Note: 1. Shinsei Bank consolidated its shares with a ratio of ten shares of common stock into one share on October 1, 2017.
8
未監査（単位：10億円） Unaudited (Billions of Yen)
リスク管理債権 Risk Monitored Loans 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
破綻先債権額 Loans to Bankrupt Obligors 4.6 4.9 5.1 5.5 5.6 6.3 6.1 5.7
延滞債権額 Nonaccrual Delinquent Loans 33.3 31.4 32.7 32.1 31.1 29.1 29.1 29.9
3ヵ月以上延滞債権額 Loans Past Due Three Months or More 1.7 1.9 1.5 1.5 1.8 1.6 1.0 1.0
貸出条件緩和債権額 Restructured Loans 32.0 33.2 33.8 34.9 36.2 37.9 38.9 40.6
合計 (A) Total (A) 71.7 71.4 73.3 74.2 74.9 75.1 75.2 77.4
貸出金残高 (B) Loans and Bills Discounted (B) 4,833.4 4,859.7 4,909.1 4,944.1 4,895.9 4,846.7 4,877.0 4,943.4
貸出残高比 (A)/(B) (A)/(B) 1.48% 1.47% 1.49% 1.50% 1.53% 1.55% 1.54% 1.57%
貸倒引当金 (C) Reserve for Credit Losses (C) 100.1 94.2 98.8 99.8 100.8 103.5 100.7 101.1
引当率 (C)/(A) Reserve Ratios (C)/(A) 139.6% 131.8% 134.9% 134.5% 134.6% 137.9% 133.9% 130.6%
子会社別連結リスク管理債権 Consolidated Risk Monitored Loans by Subsidiary 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
新生銀行単体 Shinsei Bank (Nonconsolidated) 10.3 n/a 8.8 n/a 8.3 n/a 7.6 n/a
新生フィナンシャル Shinsei Financial 35.7 n/a 39.7 n/a 42.0 n/a 44.8 n/a
アプラスフィナンシャル APLUS FINANCIAL 19.6 n/a 18.5 n/a 19.5 n/a 18.5 n/a
その他子会社 Other Subsidiaries 5.9 n/a 6.0 n/a 4.9 n/a 4.1 n/a
子会社別連結リスク管理債権 Risk-Monitored Loans Breakdown For Large Entities 71.7 71.4 73.3 74.2 74.9 75.1 75.2 77.4
貸倒引当金 Reserve for Credit Losses 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
一般貸倒引当金 General Reserve for Loan Losses 68.9 71.6 74.9 75.1 75.5 77.1 73.0 73.3
個別貸倒引当金 Specific Reserve for Loan Losses 31.2 22.5 23.9 24.7 25.2 26.3 27.6 27.8
特定海外債権引当勘定 Reserve for Loans to Restructuring Countries 0.0 0.0 - - - - - -
貸倒引当金合計 Reserve for Credit Losses 100.1 94.2 98.8 99.8 100.8 103.5 100.7 101.1
預金期末残高 Deposits and Negotiable Certificates of Deposits (NCDs) 2017.3 2017.6 2017.9 2017.12 2018.3 2018.6 2018.9 2018.12
預金 Deposits 5,489.2 5,562.2 5,581.9 5,685.8 5,628.1 5,617.4 5,561.5 5,524.8
流動性預金 Liquid (Current, Ordinary, Notice) Deposits 2,262.5 2,317.8 2,317.4 2,428.5 2,423.0 2,477.6 2,495.5 2,554.1
定期性預金 Time Deposits 2,756.7 2,768.7 2,800.6 2,775.7 2,691.0 2,650.3 2,585.3 2,490.8
その他 Other 469.9 475.6 463.8 481.4 514.0 489.4 480.7 479.8
譲渡性預金 Negotiable Certificates of Deposits (NCDs) 373.6 343.6 418.3 418.3 438.9 442.2 479.7 522.1
預金期末残高 Deposits and Negotiable Certificates of Deposits (NCDs) 5,862.9 5,905.8 6,000.2 6,104.2 6,067.0 6,059.7 6,041.3 6,047.0
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
・個人業務「新生フィナンシャル」では、経営管理上、新生フィナンシャル、新生銀 ・Income of Shinsei Financial , "Shinsei Bank Card Loan - Lake", and "Shinsei Bank Smart
行レイク、ならびに新生銀行スマートカードローンプラスによる収益を合算して表示
Card Loan Plus" are combined on a management accounting basis.
しております。
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* 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
資金利益 Net Interest Income 5.2 6.4 6.2 5.9 5.8 6.1 5.2 6.5
法人営業 Corporate Business 2.5 2.6 2.3 2.5 2.4 2.5 2.4 2.5
ストラクチャードファイナンス Structured Finance 2.3 2.2 2.3 2.4 2.5 2.4 2.4 2.6
プリンシパルトランザクションズ Principal Transactions 0.6 1.5 1.5 1.0 0.8 1.1 0.3 1.5
昭和リース Showa Leasing -0.3 -0.0 0.0 -0.0 -0.0 -0.0 -0.1 -0.0
非資金利益 Noninterest Income 12.2 9.9 10.9 10.4 8.8 8.3 9.9 7.9
法人営業 Corporate Business 1.7 1.4 4.2 1.5 1.5 1.0 1.5 1.7
ストラクチャードファイナンス Structured Finance 6.7 1.7 1.5 2.4 1.8 1.0 2.3 2.1
プリンシパルトランザクションズ Principal Transactions 0.3 3.5 1.7 2.1 0.4 2.3 2.6 1.0
昭和リース Showa Leasing 3.3 3.2 3.3 4.3 5.1 3.8 3.3 3.0
法人業務 業務粗利益 Institutional Business Total Revenue 17.5 16.4 17.1 16.3 14.7 14.5 15.1 14.5
法人営業 Corporate Business 4.3 4.0 6.6 4.0 4.0 3.6 4.0 4.3
ストラクチャードファイナンス Structured Finance 9.1 3.9 3.8 4.8 4.3 3.5 4.8 4.7
プリンシパルトランザクションズ Principal Transactions 0.9 5.1 3.2 3.1 1.3 3.5 3.0 2.5
昭和リース Showa Leasing 3.0 3.2 3.3 4.3 5.0 3.8 3.1 2.9
法人業務 業務粗利益 Institutional Business Total Revenue 17.5 16.4 17.1 16.3 14.7 14.5 15.1 14.5
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.
金融市場業務 業務粗利益* Global Markets Business Total Revenue* 2017.1-3 2017.4-6 2017.7-9 2017.10-12 2018.1-3 2018.4-6 2018.7-9 2018.10-12
資金利益 Net Interest Income 0.4 0.6 0.5 0.5 0.4 0.5 0.4 0.4
市場営業 Markets 0.4 0.5 0.4 0.4 0.3 0.3 0.3 0.3
その他 Others 0.0 0.1 0.1 0.1 0.1 0.1 0.1 0.1
非資金利益 Noninterest Income 2.0 2.4 1.7 2.0 3.0 1.5 1.8 1.7
市場営業 Markets 1.2 1.7 1.1 1.4 2.4 0.9 1.4 1.3
その他 Others 0.8 0.6 0.5 0.5 0.5 0.5 0.4 0.3
金融市場業務 業務粗利益