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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

Status of Safety and SoundnessCapital adequacy ratioNon-consolidated basis(domestic standards)14.68%Capital adequacy ratioThis is one of the representative indices measuring thesoundness of a bank. Banks under Japanese Standards arerequired to maintain a ratio of 4% or higher.*As the new capital adequacy ratio regulations (Basel III) have beenapplied to banks adopting Japanese Standards since March 31, 2014, wecalculated the capital adequacy ratio under Basel III Standards from March31, 2014. Therefore, there is no continuity from the previous figures.Capital adequacy ratio (domestic standards)is 14.68%, which maintains a high level.(%)20151050Basel II17.06Application of new capitaladequacy ratio regulations16.24Basel III14.682013 2014 2015Rating: highly rated for safety by rating agenciesA2Moody’s Japan K.K. (Moody’s) (As of June 16, 2015)A+Rating & Investment Information, Inc. (R&I)AA-(long-term deposit rating)(Issuer rating)(Long-term issuer rating)Japan Credit Rating Agency, Ltd. (JCR)We are rated at A2 for long-term deposits by Moody’sJapan K.K. (Moody’s), at A+ for issuer rating by Rating &Investment Information, Inc. (R&I) and at AA- for longtermissuer rating by Japan Credit Rating Agency, Ltd.(JCR), respectively.RatingThis is one of the representative indices indicating thecredibility and safety of a company, which is objectivelyevaluated by an impartial third party institution todetermine whether the principal and interest of depositsand bonds are paid as promised and the degree ofevaluation is shown as a simple code.Economic Environment in the San-in RegionShimaneTottoriTotalTotal population697 thousand574 thousand1,271 thousandGross prefectural product\2.4 trillion\1.8 trillion\4.2 trillionShipment value of manufactured goods\1,004.3 billion\655.3 billion\1,659.6 billionNumber of business establishments37,22527,49264,717In Tottori and Shimaneprefectures, the marketshare of the bank fordeposits balances of allbanks, shinkin banksand Japan Post Bank,etc., is 46.5%.*Banks, shinkin banks, credit cooperatives and Japan Post Bankhaving branches in the San-in region (research by the bank)Market Share in the San-in regionShare of deposits (As of March 31, 2015) Share of loans (As of March 31, 2015)46.5%San-in54.0%GodoBank46.5%In Tottori and Shimaneprefectures, the marketshare of the bank forloans balances of allbanks and shinkinbanks, etc., is 54.0%.San-inGodoBank54.0%*Banks, shinkin banks and credit cooperatives havingbranches in the San-in region (research by the bank)7