SURUGA BANK LTD. ２０２４年３月期
FY3/2024
(April 2023 - March 2024)
資 料 編
Data Book
SURUGA bank, Ltd.
© 2017SURUGA bank, Ltd. All rights reserved.
目次
Table of contents
財務サマリー（連結・単体）
Summary of financial results (Consolidated / Non-consolidated)
貸出金（末残）
Loans (Period-end balance)
業種別貸出金（末残）
Loan breakdown by industry (Period-end balance)
預金（末残）
Deposits (Period-end balance)
預金（平残・利回り）
Deposits (Average balance / Yield)
有価証券（末残・平残・利回り・評価損益）
Securities (Period-end balance / Average balance / Yield / Unrealized gains (losses))
個人預り資産（末残）
Individual deposit assets (Period-end balance)
利ざや（全体・国内）・経営指標・従業員数・店舗数
Interest margins (Overall / Domestic) / Management indices / Number of employees and branches
与信関連費用 Credit costs
自己資本比率
Capital adequacy ratio
グループ会社の業績
Summary of financial results of subsidiaries and affiliates
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© 2024SURUGA17 bank, Ltd. All rights reserved.
財務サマリー（連結・単体）
Summary of financial results (Consolidated / Non-consolidated)
連結 ／ Consolidated | （10億円 ／ Billions of yen） | |||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |
業務粗利益 ／ Gross operating profit | 108.7 | 90.4 | 79.5 | 70.4 | 47.0 | 55.9 |
業務純益 ／ Net operating profit | 30.1 | 36.0 | 55.7 | 39.0 | 7.9 | 17.7 |
実質与信費用 ／ Actual credit costs | 141.5 | 6.3 | 13.3 | 17.8 | 0.3 | (0.4) |
経常利益 ／ Ordinary profit | (74.3) | 41.7 | 23.1 | 10.5 | 13.2 | 20.6 |
親会社株主に帰属する当期純利益 | ||||||
又は親会社株主に帰属する当期純損失 | (97.1) | 25.3 | 21.4 | 7.9 | 10.5 | 15.3 |
／ Profit attributable to owners of parent | ||||||
（末残 ／ Period-end balance） | （10億円 ／ Billions of yen） | |||||
Mar. 19 | Mar. 20 | Mar. 21 | Mar. 22 | Mar. 23 | Mar. 24 | |
預金 ／ Deposits | 3,159.6 | 3,204.7 | 3,245.9 | 3,307.3 | 3,349.6 | 3,244.9 |
貸出金 ／ Loans | 2,904.3 | 2,502.8 | 2,319.5 | 2,148.0 | 2,090.3 | 2,076.6 |
有価証券 ／ Securities | 133.1 | 133.8 | 267.3 | 463.4 | 297.8 | 276.0 |
純資産 ／ Total net assets | 242.3 | 256.8 | 285.7 | 264.2 | 271.0 | 295.1 |
総資産 ／ Total assets | 3,428.3 | 3,481.5 | 3,550.4 | 3,589.9 | 3,639.9 | 3,560.7 |
単体 ／ Non-consolidated | （10億円 ／ Billions of yen） | |||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |
業務粗利益 ／ Gross operating profit | 99.9 | 80.3 | 72.5 | 65.3 | 43.4 | 51.1 |
業務純益 ／ Net operating profit | 26.4 | 36.5 | 50.1 | 36.1 | 7.2 | 16.0 |
実質与信費用 ／ Actual credit costs | 136.3 | 2.4 | 12.2 | 16.0 | (1.1) | (2.0) |
経常利益 ／ Ordinary profit | (74.9) | 39.9 | 19.9 | 10.0 | 11.2 | 20.1 |
当期純利益 又は当期純損失 ／ Net income | (97.0) | 24.4 | 18.9 | 7.8 | 9.5 | 15.0 |
（末残 ／ Period-end balance） | （10億円 ／ Billions of yen） | |||||
Mar. 19 | Mar. 20 | Mar. 21 | Mar. 22 | Mar. 23 | Mar. 24 | |
預金 ／ Deposits | 3,165.6 | 3,210.8 | 3,250.4 | 3,312.1 | 3,355.7 | 3,250.4 |
貸出金 ／ Loans | 2,898.8 | 2,496.1 | 2,310.9 | 2,138.5 | 2,080.1 | 2,066.7 |
有価証券 ／ Securities | 136.1 | 137.7 | 270.4 | 466.2 | 303.5 | 281.6 |
純資産 ／ Total net assets | 227.9 | 245.2 | 265.1 | 246.3 | 255.1 | 277.7 |
総資産 ／ Total assets | 3,412.0 | 3,469.0 | 3,527.3 | 3,568.7 | 3,620.8 | 3,540.4 |
© 2024SURUGA17 bank, Ltd. All rights reserved. | 1 |
貸出金（末残）
Loans (Period-end balance)
（末残 ／ Period-end balance） | （10億円 ／ Billions of yen） | ||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | ||||||||
Sep. 18 | Mar. 19 | Sep. 19 | Mar. 20 | Sep. 20 | Mar. 21 | Sep. 21 | Mar. 22 | Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | ||
総貸出金／Total loans | 3,085.8 | 2,898.8 | 2,671.6 | 2,496.1 | 2,418.4 | 2,310.9 | 2,249.6 | 2,138.5 | 2,078.0 | 2,080.1 | 2,034.0 | 2,066.7 | |
個人ローン／Consumer loans | 2,790.8 | 2,664.8 | 2,455.4 | 2,307.0 | 2,210.8 | 2,075.5 | 1,980.4 | 1,838.5 | 1,741.5 | 1,670.4 | 1,594.4 | 1,537.9 | |
法人／Corporates | 290.8 | 229.2 | 212.5 | 184.9 | 201.0 | 226.2 | 256.1 | 279.5 | 309.8 | 383.2 | 413.1 | 500.5 | |
公金／Government institutions | 4.1 | 4.7 | 3.6 | 4.1 | 6.5 | 9.2 | 13.1 | 20.5 | 26.6 | 26.4 | 26.4 | 28.2 | |
（ローン等の残高、利回り ／ Outstanding balance, yield by loan category) | （10億円 ／ Billions of yen） | |||||||||
Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | |||||||
ローン種類 | 残高 | 利回り | 残高 | 利回り | 残高 | 利回り | 残高 | 利回り | ||
Loan category | Period-end | Period-end | Period-end | Period-end | ||||||
Yield | Yield | Yield | Yield | |||||||
balance | balance | balance | balance | |||||||
有担保ローン ／ Secured loans | 1,606.0 | 3.08% | 1,542.6 | 3.05% | 1,474.3 | 3.00% | 1,424.3 | 2.94% | ||
住宅ローン ／ Housing loans | 441.8 | 2.75% | 430.5 | 2.69% | 422.1 | 2.64% | 420.8 | 2.56% | ||
投資用不動産ローン ／ Investment property loans | 1,131.3 | 3.18% | 1,079.6 | 3.16% | 1,020.2 | 3.12% | 972.1 | 3.07% | ||
その他有担保ローン ／ Other secured loans | 32.8 | 4.41% | 32.4 | 4.26% | 32.0 | 4.15% | 31.4 | 4.06% | ||
無担保ローン ／ Unsecured loans | 135.5 | 10.46% | 127.8 | 10.47% | 120.0 | 10.49% | 113.5 | 10.50% | ||
カードローン ／ Card loans | 92.8 | 11.78% | 89.0 | 11.74% | 85.6 | 11.69% | 82.6 | 11.63% | ||
無担保証書貸付等 ／ Unsecured certificate loans | 42.6 | 7.59% | 38.7 | 7.54% | 34.4 | 7.51% | 30.8 | 7.47% | ||
個人ローン ／ Consumer loans | A | 1,741.5 | 3.65% | 1,670.4 | 3.62% | 1,594.4 | 3.57% | 1,537.9 | 3.50% | |
1 ,670.4 | ||||||||||
法人向け投資用不動産ローン／ | B | 40.3 | 1.82% | 57.4 | 1.77% | 76.8 | 1.74% | 101.8 | 1.69% | |
Corporate investment real estate loans | ||||||||||
ストラクチャードファイナンス／ Structured finance | C | 82.7 | 2.24% | 126.4 | 2.37% | 145.8 | 2.31% | 177.6 | 2.32% | |
コラボレーション・ローン等／Collaboration loans, etc. | D | 97.0 | 1.95% | 131.5 | 2.08% | 134.2 | 2.20% | 141.1 | 2.15% | |
合計／ Total | A + B + C + D | 1,961.6 | 3.47% | 1,985.8 | 3.38% | 1,951.4 | 3.31% | 1,958.6 | 3.20% |
- 利回りは対顧客利回り(保証料、未収利息勘案前)、末残ベース
(Note) Yield: Yield for customers (guarantee fee and accrued interest are not taken into account), period-end balance basis
- 中期経営計画"Re:Start 2025"以降の推進領域別で区分 法人向け投資用不動産ローンは、資産管理会社等に対する投資用不動産ローン ストラクチャードファイナンスには特定社債等を含む
コラボレーション・ローン等は、他社と共同・連携した形態でのローン等（ローン・パーティシペーションや他社債権の買入等）
(Note) Classified by the areas to be promoted under the "Re:Start 2025" Mid-term Business Plan and thereafter. Corporate investment real estate loans include investment real estate loans for asset management companies, etc. Structured finance includes specified bonds, etc.
Collaboration loans, etc. are loans made jointly or in partnership with other companies (loan participations, purchases of corporate loans, etc.)
- 2022年9月期、2023年3月期における投資用不動産ローン・有担保ローン・個人ローンの利回りは、証券化した債権を原債権ベースで算出
(Note) Yield of Studio investment property loans, secured loans and consumer loans are calculated based on originals claims before securitization Sep. 22 and Mar. 23.
© 2024SURUGA17 bank, Ltd. All rights reserved. | 2 |
業種別貸出金（末残）
Loan breakdown by industry (Period-end balance)
（10億円 ／ Billions of yen） | |||||||||||||||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | ||||||||||||||||||||
Sep. 18 | Mar. 19 | Sep. 19 | Mar. 20 | Sep. 20 | Mar. 21 | Sep. 21 | Mar. 22 | Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | ||||||||||||||
構成比 | 構成比 | 構成比 | 構成比 | 構成比 | 構成比 | 構成比 | 構成比 | 構成比 | 構成比 | 構成比 | 構成比 | ||||||||||||||
% to | % to | % to | % to | % to | % to | % to | % to | % to | % to | % to | % to | ||||||||||||||
Total | Total | Total | Total | Total | Total | Total | Total | Total | Total | Total | Total | ||||||||||||||
製造業 | 48.1 | 1.5% | 38.6 | 1.3% | 37.3 | 1.3% | 37.9 | 1.5% | 41.6 | 1.7% | 42.1 | 1.8% | 34.6 | 1.5% | 35.0 | 1.6% | 37.8 | 1.8% | 36.8 | 1.7% | 38.7 | 1.9% | 38.5 | 1.8% | |
Manufacturing | |||||||||||||||||||||||||
農業、林業 | 4.7 | 0.1% | 4.6 | 0.1% | 4.5 | 0.1% | 4.4 | 0.1% | 4.3 | 0.1% | 4.2 | 0.1% | 4.1 | 0.1% | 4.0 | 0.1% | 3.9 | 0.1% | 3.8 | 0.1% | 3.7 | 0.1% | 0.0 | 0.0% | |
Agriculture and forestry | |||||||||||||||||||||||||
漁業 | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | |
Fishery | |||||||||||||||||||||||||
鉱業、採石業、砂利採取業 | 0.2 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.1 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | 0.0 | 0.0% | |
Mining, quarrying and gravel | |||||||||||||||||||||||||
建設業 | 13.1 | 0.4% | 12.7 | 0.4% | 8.7 | 0.3% | 12.2 | 0.4% | 11.4 | 0.4% | 12.2 | 0.5% | 12.5 | 0.5% | 14.0 | 0.6% | 14.1 | 0.6% | 16.1 | 0.7% | 15.9 | 0.7% | 17.6 | 0.8% | |
Construction | |||||||||||||||||||||||||
電気、ガス、熱供給、水道業 | 1.1 | 0.0% | 1.0 | 0.0% | 1.0 | 0.0% | 0.1 | 0.0% | 0.1 | 0.0% | 0.1 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.2 | 0.0% | 0.8 | 0.0% | 0.8 | 0.0% | 0.8 | 0.0% | |
Utilities | |||||||||||||||||||||||||
情報通信業 | |||||||||||||||||||||||||
Information and | 1.3 | 0.0% | 1.3 | 0.0% | 1.2 | 0.0% | 1.1 | 0.0% | 1.1 | 0.0% | 1.5 | 0.0% | 1.5 | 0.0% | 1.8 | 0.0% | 3.4 | 0.1% | 3.6 | 0.1% | 1.9 | 0.0% | 1.7 | 0.0% | |
communication | |||||||||||||||||||||||||
運輸業、郵便業 | |||||||||||||||||||||||||
Transportation and | 12.7 | 0.4% | 9.9 | 0.3% | 9.8 | 0.3% | 13.9 | 0.5% | 14.5 | 0.6% | 12.7 | 0.5% | 12.8 | 0.5% | 12.8 | 0.6% | 14.7 | 0.7% | 14.5 | 0.7% | 15.4 | 0.7% | 15.4 | 0.7% | |
postal service | |||||||||||||||||||||||||
卸売業、小売業 | 31.6 | 1.0% | 31.0 | 1.0% | 31.6 | 1.1% | 30.6 | 1.2% | 29.7 | 1.2% | 29.4 | 1.2% | 30.0 | 1.3% | 32.1 | 1.5% | 32.5 | 1.5% | 33.7 | 1.6% | 32.4 | 1.5% | 35.7 | 1.7% | |
Wholesale and retail trade | |||||||||||||||||||||||||
金融業、保険業 | 70.6 | 2.2% | 27.8 | 0.9% | 27.2 | 1.0% | 20.3 | 0.8% | 20.1 | 0.8% | 14.0 | 0.6% | 23.8 | 1.0% | 14.4 | 0.6% | 22.8 | 1.1% | 33.2 | 1.6% | 31.5 | 1.5% | 40.9 | 1.9% | |
Finance and insurance | |||||||||||||||||||||||||
不動産業、物品賃貸業 | |||||||||||||||||||||||||
Real estate, goods rental | 67.5 | 2.1% | 64.0 | 2.2% | 53.7 | 2.0% | 27.4 | 1.0% | 39.4 | 1.6% | 64.2 | 2.7% | 82.5 | 3.6% | 107.6 | 5.0% | 121.5 | 5.8% | 159.3 | 7.6% | 194.3 | 9.5% | 250.5 | 12.1% | |
and leasing | |||||||||||||||||||||||||
各種サービス業 | 30.9 | 1.0% | 28.8 | 0.9% | 27.6 | 1.0% | 27.1 | 1.0% | 30.1 | 1.2% | 37.3 | 1.6% | 45.9 | 2.0% | 51.2 | 2.3% | 52.4 | 2.5% | 75.1 | 3.6% | 72.7 | 3.5% | 77.8 | 3.7% | |
Services | |||||||||||||||||||||||||
国・地方公共団体 | |||||||||||||||||||||||||
Government and | 4.1 | 0.1% | 4.7 | 0.1% | 3.6 | 0.1% | 4.1 | 0.1% | 6.5 | 0.2% | 9.2 | 0.4% | 13.1 | 0.5% | 20.5 | 0.9% | 26.6 | 1.2% | 26.4 | 1.2% | 26.4 | 1.3% | 28.2 | 1.3% | |
municipal government | |||||||||||||||||||||||||
その他 | 2,799.1 | 90.7% | 2,673.6 | 92.2% | 2,464.7 | 92.2% | 2,316.1 | 92.7% | 2,218.8 | 91.7% | 2,083.2 | 90.1% | 1,987.9 | 88.3% | 1,844.3 | 86.2% | 1,747.4 | 84.0% | 1,676.1 | 80.5% | 1,599.8 | 78.6% | 1,559.1 | 75.4% | |
Others | |||||||||||||||||||||||||
合 計 | 3,085.8 | 100.0% | 2,898.8 | 100.0% | 2,671.6 | 100.0% | 2,496.1 | 100.0% | 2,418.4 | 100.0% | 2,310.9 | 100.0% | 2,249.6 | 100.0% | 2,138.5 | 100.0% | 2,078.0 | 100.0% | 2,080.1 | 100.0% | 2,034.0 | 100.0% | 2,066.7 | 100.0% | |
Total | |||||||||||||||||||||||||
© 2024SURUGA17 bank, Ltd. All rights reserved. | 3 |
預金（末残）
Deposits (Period-end balance)
（10億円 ／ Billions of yen） | ||||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |||||||||
Sep. 18 | Mar. 19 | Sep. 19 | Mar. 20 | Sep. 20 | Mar. 21 | Sep. 21 | Mar. 22 | Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | |||
総預金 | 3,415.9 | 3,165.6 | 3,164.9 | 3,210.8 | 3,187.1 | 3,250.4 | 3,289.3 | 3,312.1 | 3,311.1 | 3,355.7 | 3,259.5 | 3,250.4 | ||
Total deposits | ||||||||||||||
円貨預金 | 3,410.9 | 3,161.4 | 3,160.9 | 3,206.9 | 3,161.0 | 3,246.3 | 3,280.2 | 3,308.6 | 3,308.2 | 3,353.2 | 3,257.1 | 3,248.6 | ||
Yen deposits | ||||||||||||||
外貨預金 | 4.9 | 4.2 | 4.0 | 3.9 | 26.1 | 4.1 | 9.0 | 3.5 | 2.9 | 2.4 | 2.3 | 1.8 | ||
Foreign currency deposits | ||||||||||||||
個人 | 2,743.3 | 2,505.7 | 2,456.1 | 2,515.1 | 2,579.4 | 2,637.4 | 2,666.0 | 2,688.1 | 2,697.3 | 2,678.5 | 2,651.0 | 2,610.9 | ||
Individuals | ||||||||||||||
円貨預金 | 2,738.4 | 2,501.6 | 2,452.1 | 2,511.2 | 2,575.5 | 2,633.3 | 2,662.1 | 2,684.6 | 2,694.4 | 2,676.0 | 2,648.6 | 2,609.1 | ||
Yen deposits | ||||||||||||||
外貨預金 | 4.8 | 4.1 | 3.9 | 3.8 | 3.9 | 4.1 | 3.9 | 3.5 | 2.8 | 2.4 | 2.3 | 1.8 | ||
Foreign currency deposits | ||||||||||||||
法人 | 453.0 | 456.6 | 463.6 | 439.6 | 402.9 | 418.4 | 408.8 | 407.1 | 416.4 | 415.7 | 422.6 | 422.1 | ||
Corporates | ||||||||||||||
円貨預金 | 452.8 | 456.5 | 463.6 | 439.5 | 402.7 | 418.4 | 408.8 | 407.1 | 416.3 | 415.7 | 422.6 | 422.1 | ||
Yen deposits | ||||||||||||||
外貨預金 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||
Foreign currency deposits | ||||||||||||||
公金 | 219.5 | 203.3 | 245.1 | 256.0 | 204.7 | 194.5 | 214.4 | 216.8 | 197.3 | 261.4 | 185.8 | 217.3 | ||
Government institutions | ||||||||||||||
円貨預金 | 219.5 | 203.3 | 245.1 | 256.0 | 182.7 | 194.5 | 209.3 | 216.8 | 197.3 | 261.4 | 185.8 | 217.3 | ||
Yen deposits | ||||||||||||||
外貨預金 | - | - | - | - | 22.0 | - | 5.0 | - | - | - | - | - | ||
Foreign currency deposits | ||||||||||||||
※ 円貨預金＝ＮＣＤ含まず、非居住者円預金を含む。 | ||||||||||||||
(Note) Yen deposits exclude NCD and include non-resident yen deposits. |
© 2024SURUGA17 bank, Ltd. All rights reserved. | 4 |
預金（平残・利回り）
Deposits (Average balance / Yield)
（10億円 ／ Billions of yen）
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |||||||||
1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | |||
総預金 | 3,791.3 | 3,504.2 | 3,078.9 | 3,099.2 | 3,189.7 | 3,194.4 | 3,284.6 | 3,291.5 | 3,346.6 | 3,339.4 | 3,322.8 | 3,278.4 | ||
Total deposits | ||||||||||||||
円貨預金 | 3,785.4 | 3,499.0 | 3,074.9 | 3,095.2 | 3,184.1 | 3,181.2 | 3,280.3 | 3,287.0 | 3,343.6 | 3,336.5 | 3,320.3 | 3,276.0 | ||
Yen deposits | ||||||||||||||
外貨預金 | 5.8 | 5.1 | 4.0 | 4.0 | 5.6 | 13.2 | 4.2 | 4.5 | 3.0 | 2.9 | 2.4 | 2.3 | ||
Foreign currency deposits | ||||||||||||||
個人 | 3,015.1 | 2,799.2 | 2,464.7 | 2,471.9 | 2,545.1 | 2,572.7 | 2,651.1 | 2,662.6 | 2,694.3 | 2,692.6 | 2,663.8 | 2,646.6 | ||
Individuals | ||||||||||||||
円貨預金 | 3,009.6 | 2,794.2 | 2,460.7 | 2,467.9 | 2,541.3 | 2,568.8 | 2,647.1 | 2,658.8 | 2,691.2 | 2,689.8 | 2,661.4 | 2,644.3 | ||
Yen deposits | ||||||||||||||
外貨預金 | 5.5 | 4.9 | 3.9 | 3.9 | 3.8 | 3.9 | 3.9 | 3.8 | 3.0 | 2.8 | 2.3 | 2.2 | ||
Foreign currency deposits | ||||||||||||||
法人 | 472.2 | 440.4 | 390.3 | 397.3 | 396.7 | 401.8 | 412.3 | 411.0 | 414.7 | 414.5 | 424.8 | 421.9 | ||
Corporates | ||||||||||||||
円貨預金 | 471.9 | 440.2 | 390.3 | 397.2 | 396.6 | 401.6 | 412.3 | 411.0 | 414.7 | 414.5 | 424.7 | 421.9 | ||
Yen deposits | ||||||||||||||
外貨預金 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||
Foreign currency deposits | ||||||||||||||
公金 | 303.9 | 264.5 | 223.8 | 229.9 | 247.8 | 219.9 | 221.1 | 217.7 | 237.6 | 232.2 | 234.0 | 209.8 | ||
Government institutions | ||||||||||||||
円貨預金 | 303.9 | 264.5 | 223.8 | 229.9 | 246.2 | 210.7 | 220.9 | 217.1 | 237.6 | 232.2 | 234.0 | 209.8 | ||
Yen deposits | ||||||||||||||
外貨預金 | - | - | - | - | 1.6 | 9.1 | 0.2 | 0.6 | - | - | - | - | ||
Foreign currency deposits | ||||||||||||||
※ 円貨預金＝ＮＣＤ含まず、非居住者円預金を含む。 | ||||||||||||||
(Note) Yen deposits exclude NCD and include non-resident yen deposits. | ||||||||||||||
（％） | ||||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |||||||||
1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | |||
預金利回り | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | ||
Yield on deposits | ||||||||||||||
流動性預金 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||
Liquid deposits | ||||||||||||||
固定性預金 | 0.08 | 0.08 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.08 | 0.07 | 0.07 | 0.06 | 0.06 | ||
Fixed-term deposits | ||||||||||||||
© 2024SURUGA17 bank, Ltd. All rights reserved. | 5 |
有価証券（末残・平残・利回り・評価損益）
Securities (Period-end balance / Average balance / Yield / Unrealized gains (losses))
（末残・平残 ／ Period-end balance / Average balance） | （10億円 ／ Billions of yen） | |||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |||||||||
Sep. 18 | Mar. 19 | Sep. 19 | Mar. 20 | Sep. 20 | Mar. 21 | Sep. 21 | Mar. 22 | Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | |||
有価証券 | 末残 ／ Period-end balance | 147.2 | 136.1 | 132.5 | 137.7 | 211.9 | 270.4 | 413.2 | 466.2 | 444.4 | 303.5 | 357.8 | 281.6 | |
Securities | 平残 ／ Average balance | 127.6 | 124.2 | 124.7 | 125.5 | 168.8 | 201.2 | 345.8 | 388.9 | 477.8 | 456.2 | 332.1 | 330.3 | |
国債 | 末残 ／ Period-end balance | - | - | - | 2.5 | 2.1 | - | - | - | 11.7 | 29.7 | 34.4 | 21.4 | |
Government bonds | 平残 ／ Average balance | - | - | - | 0.6 | 2.2 | 1.6 | - | - | 4.3 | 14.5 | 30.5 | 28.3 | |
地方債 | 末残 ／ Period-end balance | 83.7 | 81.1 | 89.7 | 95.8 | 109.7 | 114.3 | 135.3 | 138.9 | 155.0 | 120.4 | 138.5 | 115.5 | |
Municipal bonds | 平残 ／ Average balance | 78.2 | 79.4 | 88.0 | 90.4 | 109.6 | 111.0 | 131.6 | 135.0 | 153.1 | 152.7 | 136.1 | 131.5 | |
社債 | 末残 ／ Period-end balance | 5.3 | 5.5 | 4.7 | 4.8 | 4.7 | 4.7 | 4.6 | 4.5 | 4.6 | 4.5 | 14.9 | 22.1 | |
Corporate bonds | 平残 ／ Average balance | 4.9 | 5.2 | 4.8 | 4.8 | 4.7 | 4.7 | 4.6 | 4.6 | 4.5 | 4.5 | 8.2 | 13.5 | |
株式 | 末残 ／ Period-end balance | 41.7 | 34.2 | 25.5 | 22.2 | 23.4 | 25.0 | 25.1 | 23.9 | 24.7 | 23.6 | 47.1 | 55.0 | |
Stocks | 平残 ／ Average balance | 26.6 | 23.2 | 17.6 | 16.9 | 16.5 | 16.5 | 16.5 | 16.4 | 16.4 | 16.3 | 23.7 | 27.5 | |
外国証券 | 末残 ／ Period-end balance | 4.9 | 3.8 | 0.9 | 0.8 | 1.0 | 2.8 | 62.9 | 121.1 | 113.3 | 60.1 | 59.1 | 60.6 | |
Foreign securities | 平残 ／ Average balance | 4.1 | 3.7 | 2.9 | 1.5 | 0.0 | 0.6 | 28.5 | 58.9 | 123.3 | 115.0 | 63.3 | 63.3 | |
その他の証券 | 末残 ／ Period-end balance | 11.4 | 11.3 | 11.5 | 11.4 | 70.8 | 123.3 | 185.0 | 177.5 | 135.0 | 64.9 | 63.5 | 6.9 | |
Others | 平残 ／ Average balance | 13.6 | 12.4 | 11.1 | 11.1 | 35.6 | 66.6 | 164.5 | 173.8 | 175.9 | 153.0 | 70.0 | 66.0 | |
※各期平残は、９月末は上期、３月末は通期の実績 | ||||||||||||||
(Note) Average balance as of Sep. and Mar. represents average balance for 1st half and Full year respectively. | ||||||||||||||
（利回り ／ Yield） | （％） | |||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |||||||||
1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | |||
有価証券利回り （全体） ／ Yield on securities (Overall) | 5.37 | 3.13 | 0.68 | 0.62 | 0.47 | 0.52 | 0.45 | 0.51 | 0.86 | 0.55 | 0.34 | 0.37 | ||
有価証券利回り （国内） ／ Yield on securities (Domestic) | 5.52 | 3.20 | 0.69 | 0.62 | 0.46 | 0.52 | 0.48 | 0.49 | 1.14 | 0.72 | 0.42 | 0.46 | ||
債券利回り ／ Yield on bonds | 0.10 | 0.10 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.10 | 0.05 | 0.19 | 0.37 | 0.42 | ||
株式利回り ／ Yield on stocks | 22.02 | 13.76 | 2.66 | 2.34 | 2.27 | 1.99 | 2.28 | 2.17 | 23.44 | 13.03 | 2.05 | 1.73 | ||
（評価損益の状況 ／ Unrealized gains (losses)） | （10億円 ／ Billions of yen） | |||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |||||||||
Sep. 18 | Mar. 19 | Sep. 19 | Mar. 20 | Sep. 20 | Mar. 21 | Sep. 21 | Mar. 22 | Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | |||
満期保有目的の債券（時価有） ／ Held-to-maturity bonds | - | - | - | - | - | - | - | - | - | - | - | - | ||
その他有価証券（時価有） ／ Available-for-sale securities | 20.9 | 17.2 | 10.7 | 6.7 | 8.5 | 9.5 | 10.9 | (1.4) | (15.8) | (1.2) | 0.7 | 21.7 | ||
債券 ／ Bonds | (0.2) | 0.6 | 0.7 | 0.2 | 0.4 | 0.3 | 0.4 | (0.3) | (1.2) | (0.3) | (3.1) | (0.9) | ||
株式 ／ Stocks | 20.4 | 15.9 | 9.3 | 5.8 | 6.9 | 8.6 | 8.7 | 7.5 | 8.4 | 7.7 | 15.6 | 25.2 | ||
その他の証券 ／ Others | 0.6 | 0.6 | 0.7 | 0.6 | 1.1 | 0.5 | 1.8 | (8.7) | (22.9) | (8.6) | (11.8) | (2.6) |
© 2024SURUGA17 bank, Ltd. All rights reserved. | 6 |
個人預り資産（末残）
Individual deposit assets (Period-end balance)
（10億円 ／ Billions of yen） | ||||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | |||||||||
Sep. 18 | Mar. 19 | Sep. 19 | Mar. 20 | Sep. 20 | Mar. 21 | Sep. 21 | Mar. 22 | Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | |||
投資信託 | 88.1 | 80.4 | 76.7 | 59.8 | 63.6 | 68.0 | 67.9 | 68.4 | 62.2 | 62.8 | 65.6 | 71.4 | ||
Mutual funds | ||||||||||||||
個人年金保険 | 33.3 | 25.4 | 23.3 | 21.3 | 19.9 | 18.0 | 16.5 | 14.6 | 14.1 | 14.2 | 19.2 | 23.6 | ||
Personal pension plans | ||||||||||||||
一時払終身保険 | 15.4 | 15.3 | 15.1 | 14.6 | 14.3 | 14.0 | 13.7 | 13.9 | 15.5 | 18.5 | 20.8 | 23.7 | ||
Single premium life insurance | ||||||||||||||
国債等保護預り | 8.4 | 8.3 | 7.8 | 7.1 | 6.5 | 6.0 | 5.1 | 4.3 | 3.8 | 3.8 | 4.0 | 4.6 | ||
Public bonds | ||||||||||||||
外貨預金 | 4.8 | 4.1 | 3.9 | 3.8 | 3.9 | 4.1 | 3.9 | 3.5 | 2.8 | 2.4 | 2.3 | 1.8 | ||
Foreign currency deposits | ||||||||||||||
投資性商品 （Ａ） | 150.2 | 133.6 | 127.2 | 106.9 | 108.4 | 110.3 | 107.2 | 104.9 | 98.7 | 101.9 | 112.0 | 125.2 | ||
Investment products (A) | ||||||||||||||
個人預金（円貨） | 2,738.4 | 2,501.6 | 2,452.1 | 2,511.2 | 2,575.5 | 2,633.3 | 2,662.1 | 2,684.6 | 2,694.4 | 2,676.0 | 2,648.6 | 2,609.1 | ||
Individual deposits (Yen) | ||||||||||||||
個人預り資産合計 （Ｂ） | 2,888.7 | 2,635.2 | 2,579.3 | 2,618.2 | 2,683.9 | 2,743.7 | 2,769.3 | 2,789.5 | 2,793.2 | 2,778.0 | 2,760.7 | 2,734.4 | ||
Total individual deposit assets (B) | ||||||||||||||
投資性商品比率 （Ａ） ÷ （Ｂ） | ||||||||||||||
The ratio of investment products to | 5.2% | 5.0% | 4.9% | 4.0% | 4.0% | 4.0% | 3.8% | 3.7% | 3.5% | 3.6% | 4.0% | 4.5% | ||
total individual deposit assets (A) / (B) | ||||||||||||||
© 2024SURUGA17 bank, Ltd. All rights reserved. | 7 |
利ざや（全体・国内）・経営指標・従業員数・店舗数
Interest margins (Overall / Domestic) / Management indices / Number of employees and branches
（利ざや（全体） ／ Interest margins (Overall)） | （％） | ||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | ||||||||
1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | ||
資金運用利回り ／ Yield on interest earning assets | 2.82 | 2.84 | 2.71 | 2.60 | 2.29 | 2.25 | 2.08 | 2.03 | 1.94 | 1.89 | 1.87 | 1.84 | |
貸出金利回り ／ Yield on loans and bills discounted | 3.36 | 3.32 | 3.21 | 3.19 | 3.12 | 3.12 | 3.05 | 3.02 | 2.91 | 2.92 | 2.84 | 2.80 | |
有価証券利回り ／ Yield on securities | 5.37 | 3.13 | 0.68 | 0.62 | 0.47 | 0.52 | 0.45 | 0.51 | 0.86 | 0.55 | 0.34 | 0.37 | |
資金調達原価 ／ Yield on interest bearing liabilities | 1.31 | 1.39 | 1.50 | 1.46 | 1.33 | 1.31 | 1.27 | 1.25 | 1.16 | 1.12 | 1.12 | 1.10 | |
預金等利回り ／ Yield on deposits | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | |
経費率 ／ Expense ratio | 1.25 | 1.33 | 1.45 | 1.41 | 1.28 | 1.26 | 1.22 | 1.20 | 1.11 | 1.08 | 1.09 | 1.07 | |
預貸金利ざや ／ | 2.06 | 1.93 | 1.72 | 1.74 | 1.79 | 1.81 | 1.78 | 1.77 | 1.76 | 1.80 | 1.71 | 1.70 | |
Loan-deposit margin (after deduction of expenses) | |||||||||||||
総資金利ざや ／ Net interest margin | 1.51 | 1.45 | 1.21 | 1.14 | 0.96 | 0.94 | 0.81 | 0.78 | 0.78 | 0.77 | 0.74 | 0.73 | |
（利ざや（国内） ／ Interest margins (Domestic)） | |||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | ||||||||
1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | ||
資金運用利回り ／ Yield on interest earning assets | 2.81 | 2.83 | 2.70 | 2.59 | 2.29 | 2.26 | 2.08 | 2.02 | 1.94 | 1.89 | 1.87 | 1.84 | |
貸出金利回り ／ Yield on loans and bills discounted | 3.36 | 3.32 | 3.21 | 3.19 | 3.13 | 3.13 | 3.06 | 3.02 | 2.91 | 2.92 | 2.84 | 2.80 | |
有価証券利回り ／ Yield on securities | 5.52 | 3.20 | 0.69 | 0.62 | 0.46 | 0.52 | 0.48 | 0.49 | 1.14 | 0.72 | 0.42 | 0.46 | |
資金調達原価 ／ Yield on interest bearing liabilities | 1.26 | 1.34 | 1.44 | 1.41 | 1.29 | 1.27 | 1.23 | 1.21 | 1.12 | 1.10 | 1.12 | 1.10 | |
預金等利回り ／ Yield on deposits | 0.05 | 0.04 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | |
経費率 ／ Expense ratio | 1.21 | 1.29 | 1.40 | 1.36 | 1.24 | 1.23 | 1.19 | 1.17 | 1.08 | 1.06 | 1.09 | 1.06 | |
預貸金利ざや ／ | 2.09 | 1.97 | 1.76 | 1.78 | 1.83 | 1.85 | 1.82 | 1.80 | 1.79 | 1.81 | 1.71 | 1.70 | |
Loan-deposit margin (after deduction of expenses) | |||||||||||||
総資金利ざや ／ Net interest margin | 1.55 | 1.49 | 1.25 | 1.18 | 0.99 | 0.98 | 0.84 | 0.81 | 0.81 | 0.79 | 0.74 | 0.74 | |
（経営指標 ／ Management indices） | |||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | ||||||||
1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | 1st half | Full year | ||
ＯＨＲ | 44.1% | 46.8% | 52.8% | 54.4% | 55.6% | 55.6% | 60.2% | 60.8% | 65.7% | 83.3% | 61.6% | 68.7% | |
ＥＰＳ （円 ／ Unit: yen） | (424.26) | (418.80) | 67.50 | 105.65 | 18.11 | 81.76 | 75.94 | 34.26 | 85.53 | 50.63 | 45.47 | 73.73 | |
ＲＯＡ （純利益ベース ／ Net income basis） | (4.71%) | (2.50%) | 0.93% | 0.73% | 0.24% | 0.54% | 0.98% | 0.22% | 0.89% | 0.26% | 0.51% | 0.42% | |
ＲＯＥ （純利益ベース ／ Net income basis） | (61.10%) | (30.62%) | 14.45% | 11.34% | 3.49% | 7.91% | 13.63% | 3.06% | 13.05% | 3.87% | 7.07% | 5.67% | |
（従業員数・店舗数 ／ Number of employees and branches） | |||||||||||||
FY3/19 | FY3/20 | FY3/21 | FY3/22 | FY3/23 | FY3/24 | ||||||||
Sep. 18 | Mar. 19 | Sep. 19 | Mar. 20 | Sep. 20 | Mar. 21 | Sep. 21 | Mar. 22 | Sep. 22 | Mar. 23 | Sep. 23 | Mar. 24 | ||
従業員数（人） ／ | 1,514 | 1,495 | 1,497 | 1,464 | 1,449 | 1,424 | 1,392 | 1,352 | 1,331 | 1,283 | 1,244 | 1,209 | |
Number of employees (Unit: persons) | |||||||||||||
店舗数（店） ／ Number of branches (Unit: branches) | 132 | 131 | 130 | 130 | 126 | 123 | 121 | 118 | 117 | 113 | 111 | 107 |
© 2024SURUGA17 bank, Ltd. All rights reserved. | 8 |
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Suruga Bank Ltd. published this content on 07 June 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 07 June 2024 10:01:01 UTC.
