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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 SUBSIDIARIESFurthermore, the use of tax loss carry-forwards will be limited to the equivalent to 65% of taxable income before deductingtax loss carry-forwards from the fiscal year beginning on or after April 2015, and 50% from the fiscal year beginning on or afterApril 1, 2017. The effect of this change is immaterial.24. Asset Retirement ObligationsThe Group’s asset retirement obligations consist primarily of obligations to remove hazardous material (asbestos) used inconstruction of the buildings and obligations pursuant to real estate rental agreement to restore the property to its originalstate. The asset retirement obligations are calculated using the expected useful lives of the buildings of 7 to 39 years anddiscount rate of 0.84% to 2.26%.Changes of asset retirement obligations during the years ended March 31, 2014 and 2015 are as follows:Thousands ofMillions of YenU.S. Dollars201420152015Balance at the beginning of the year\341\349$2,904Increase due to purchase of tangible fixed assets9??Changes due to the passage of time4433Decrease due to sales of tangible fixed assets6??Balance at the end of the year\349\354$2,94525. Segment InformationThe Group has two reportable segments based on the service:“Banking”and“Leasing”.“Banking”is the main segment of theGroup and consists of deposit business, loan business, securities investment business, exchange business, etc.“Leasing”consists of leasing business conducted by the San-in General Lease Company Limited, a consolidated subsidiary.The accounting policies applied in calculating ordinary income, profit or loss, assets and liabilities, etc. by segment aregenerally the same as those described in note“2. Summary of Significant Accounting Policies.”The inter-segment income isbased on the arm’s length price.As described in note“3. Accounting Change”, the Group has changed the calculation method of projected retirementbenefit obligations and service cost. As a result of this change,“Banking”segment profit for this fiscal year increased by \171million ($1,422 thousand).Ordinary income, profit or loss, assets and liabilities, etc by segment for the years ended March 31, 2014 and 2015 are asfollows:Millions of YenReportable segmentsAdjust-Year ended March 31,2014BankingLeasingTotalOthers(Note 2)Totalments(Note 3)ConsolidatedOrdinary income:Customers\72,665\13,270\85,935\1,353\87,288\(44)\87,244Inter-segment3116901,0013,1784,179(4,179)?Total72,97613,96086,9374,53191,468(4,224)87,244Segment profit18,50799919,50669920,206(225)19,981Segment assets4,445,74142,5704,488,31114,9444,503,256(24,517)4,478,739Segment liabilities4,146,13729,6754,175,8124,4514,180,263(23,806)4,156,457Other items:Depreciation2,4362902,727812,808?2,808Interest income60,6023260,6352060,655(212)60,442Interest expenses6,5832676,850116,862(174)6,688Extraordinary gains:2?2?2?2Gain on disposals offixed assets2?2?2?2Extraordinary losses:169?1691171?171Loss on disposals offixed assets39?39040?40Impairment loss130?1300131?131Tax expenses7,3634107,7741987,973(58)7,91436