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Annual Reportは、ごうぎんの決算や活動内容にて海外の皆様に知っていただくために作成しています

Notes to the Consolidated Financial StatementsTHE SAN-IN GODO BANK, LTD. AND CONSOLIDATED SUBSIDIARIESmade. For loans with short remaining maturity (less than one year), the carrying amount is presented as the fair value sincethe fair value approximates the carrying value.For receivables due from bankrupt, substantially bankrupt or bankruptcy imminent borrowers, loan loss provisions areestimated based on expected future cash flows or the expected amount to be collected from collaterals and guarantees.Therefore, carrying amount of those items, net of related loan loss provisions, is presented as the fair value.The fair value of interest rate swap contracts which are accounted for combined with the loans as hedged items under thehedge accounting is included in the fair value of the corresponding loans.Liabilities:DepositsFor demand deposits, the amount payable on demand as of the balance sheet date (i.e., the carrying amount) is consideredto be the fair value. The fair value of time deposit is determined using the discounted present value of future cash flowsgrouped by types of deposits and maturity lengths. The discount rate used is the interest rate that would be applied to newlyaccepted deposits. For deposits whose remaining maturity is short (less than one year), the carrying amount is presented asthe fair value since the fair value approximates the carrying amount.Cash collateral received under securities lendingThe carrying amount is presented as the fair value since the fair value approximates the carrying amount because thecontractual term is short (less than one year).Borrowed moneyFor borrowed money with variable interest rates reflecting the market interest rates in a short-term period, the carryingamount is presented as the fair value since the fair value approximates the carrying amount. For borrowed money with fixedinterest rates, the fair value is determined using the present value discounted at an interest rate assumed if the newborrowing were made. For borrowed money with short contractual term (less than one year), the carrying amount ispresented as the fair value since the fair value approximates the carrying amount.Derivative transactions:The fair value of derivatives is described in note“20. Derivatives.”(Note 2) Securities whose fair value is extremely difficult to determine as of March 31, 2014 and 2015Thousands ofMillions of YenU.S. Dollars201420152015Unlisted equity securities (*1) (*2)\2,483\ 2,458$20,454Investment in partnerships (*3)3,1484,16634,667Other2,3604,07733,926Total\7,992\10,702$89,057(*1) The fair value of unlisted equity securities is not disclosed since it is extremely difficult to identify their fair value.(*2) The Group recognized impairment losses on unlisted equity securities in an amount of \10 million and \52 million ($432thousand) for the years ended March 31, 2014 and 2015, respectively.(*3) The fair value of investment in partnerships whose assets consist of securities such as unlisted equity securities whosefair value is extremely difficult to identify is not disclosed.(Note 3) Repayment schedule of monetary receivables and securities with contractual maturities as of March 31, 2014 and 2015Due afterone yearthroughthree yearsMillions of YenDue afterthree yearsthrough fiveyearsDue afterfive yearsthroughseven yearsDue afterseven yearsthrough tenyearsAs of March 31, 2014Due in oneyear or lessDue after tenyearsDue from banks\ 250,397\?\?\?\?\?Call loans and bills purchased150,934?????Securities:139,520199,251475,089275,920331,713101,332Held-to-maturity debt securities:7,54213,2175,440250??Government bonds1,4001,300????Corporate bonds6,14211,9175,440250??Other securities with maturity:131,978186,034469,649275,670331,713101,332Government bonds62,95075,000328,500193,000200,00070,000Municipal bonds40,35449,43763,86625,86228,3594,500Corporate bonds26,53127,03932,12425,93221,95419,229Loans and bills discounted661,251528,612341,814187,706195,526391,093Total\1,202,104\727,864\816,904\463,626\527,240\492,42626