Shinsei Bank, Limited announced consolidated and non-consolidated earnings results for the nine months ended December 31, 2016. For the period, on consolidated basis, the company reported total revenue JPY 172.0 billion against JPY 164.3 billion a year ago. Ordinary business profit was JPY 64.6 billion against JPY 59.6 billion a year ago. Income before income taxes was JPY 45.2 billion against JPY 50.9 billion a year ago. Profit attributable to owners of the parent was JPY 43.3 billion against JPY 48.1 billion a year ago. Return on assets was 0.6% against 0.7% a year ago. Return on equity (fully diluted) was 7.2% against 8.2% a year ago. Diluted EPS was JPY 16.61 against JPY 18.13 a year ago. Net interest income increased JPY 1.6 billion from the first three quarters of fiscal year 2015 to JPY 92.1 billion. This increase was the result of a strong performance in the lending operations of the Bank’s Consumer Finance Business and the effects of the base rate reduction and spread compression due to greater competition caused by the introduction of the negative interest rate policy remaining within the Bank’s original expectations. For the period, on non-consolidated basis, the company reported total revenue JPY 84.8 billion against JPY 77.9 billion a year ago. Ordinary business profit was JPY 26.1 billion against JPY 21.5 billion a year ago. Net income was JPY 32.1 billion against JPY 28.7 billion a year ago. Income before income taxes was JPY 33,992 million against JPY 29,274 million a year ago. For the fiscal year 2016, on consolidated basis, the company expects profit attributable to owners of the parent of JPY 62.0 billion. For the fiscal year 2016, on non-consolidated basis, the company expects net income of JPY 42.0 billion and net business profit of JPY 34.0 billion.