FIDEA : Financial Digest for the First Quarter of FY2022

	FIDEA Holdings Co. Ltd.
	Financial Digest for the First Quarter of FY2022
	August 5, 2022
Stock exchange listing:	Tokyo Prime Market (code : 8713)
URL:	http://www.fidea.co.jp/
Representative:	Yuichi Tao, President & CEO
Inquiries:	Norio Miyashita, Vice President & CFO
Quarterly statement filing date (as planned):	August 9, 2022
Devidend payable date (as planned):	－
Trading accounts:	No
Supplemental material of quarterly results:	Yes
Convening briefing of quartely results:	No
	(Amounts less than one million yen are rounded down)

1. Consolidated Financial Highlights (from April 1, 2022 to June 30, 2022)

(1) Consolidated operating results				(Percentages indicate year-on-year changes)
		Ordinary income		Ordinary profit		Profit attributable to owners of
								parent
		Millions of yen		%	Millions of yen		%	Millions of yen	%
1Q FY2022		14,672		20.1	1,865		(7.2)	1,290	2.2
1Q FY2021		12,214		3.8	2,010		40.5	1,262	103.9
（Note）Comprehensive income	1Q FY2022: ¥(3,234)million[－％];	1Q FY2021: ¥4,936million[(4.8％)]
		Basic earnings per share		Diluted earnings per share
				Yen			Yen
1Q FY2022				71.36			58.58
1Q FY2021				69.60			47.69

（Note）We adopted the share consolidation of the shares of common stock and the shares of Class B prefferd stock on the basis of one post- consolidation share per ten pre-consolidation shares effective as of October 1, 2021. The impact from the share consolidation is reflected in the basic earnings per share and the diluted earnings per share.

(2) Consolidated financial position

	Total assets		Net assets		Equity ratio
		Millions of yen		Millions of yen		%
As of June 30, 2022		3,111,892		105,162		3.3
As of March 31, 2022		3,265,199		109,233		3.3
（Reference）Capital assets as of June 30, 2022: ¥104,853million; March 31, 2022: ¥108,918million
（Note）"Equity ratio" is calculated by dividing "(Total net assets at end of period - Non-controlling interests at end of period)"
by "Total assets at end of period." This ratio is not based on the public notification of the capital adequacy ratio.
2. Cash dividends
			Annual dividends per share
	1st quarter-end	2nd quarter-end	3rd quarter-end		Fiscal year-end	Total
	Yen		Yen	Yen			Yen	Yen
FY2021	-	3.75	-		37.50	-
FY2022	-
FY2022(projection)		37.50	-		37.50	75.00

（Note）Revision of dividends projections from the latest announcement: No

（Note）We adopted the share consolidation of the shares of common stock on the basis of one post-consolidation share per ten pre-consolidation shares effective as of October 1, 2021. The impact from the share consolidation is reflected in the projection of cash dividends per share of common stock.

3. Forecast of consolidated financial results for Fiscal year 2022 (from April 1, 2022 to March 31, 2023)

(Percentages indicate year-on-year changes)

	Ordinary profit		Profit attributable to owners of	Earnings per share
				parent
	Millions of yen		%	Millions of yen	%	Yen
FY2022 H1	2,400		(46.6)	1,400	(38.3)	75.93
FY2022	5,300		(19.3)	3,000	(14.4)	163.08

（Note）Revision of earnings projections from the latest announcement : No

4. Notes
(1)	Material changes in subsidiaries during this period		No
(2)	Application of special accounting methods for preparing quarterly consolidated financial statements:	No
(3)	Changes in accounting policies, accounting estimates and retrospective restatement
	Changes in accounting policies based on revisions of accounting standard:		Yes
	Changes in accounting policies other than ones based on rivisions of accounting standard:	No
	Changes in accounting estimates:			No
	Retrospective restatement:			No
(4)	Number of issued and outstanding shares (common shares)
	Total number of issued shares at the end of the period (including treasury sheres)
		As of June 30, 2022	18,142,122 shares	As of March 31, 2022	18,142,122 shares
	Number of treasury sheres at the end of the period
		As of June 30, 2022	118,829 shares	As of March 31, 2022	17,635 shares
	Average number of shares during the period (cumulative from the beginning of the fiscal year)
		Three months ended June 30, 2022	18,087,148 shares	Three months ended June 30, 2021	18,138,948 shares

（Note）We adopted the share consolidation of the shares of common stock on the basis of one post-consolidation share per ten pre-consolidation shares effective as of October 1, 2021. The impact from the share consolidation is reflected in the number of issued shares, tresury shares and the average number of shares.

「Cash dividends on class shares」

The following provides a breakdown of the dividends per share related to class shares with different relationship of interest from the common shares.

Class B preferred stock		Annual dividends per share
1st quarter-end	2nd quarter-end	3rd quarter-end		Fiscal year-end	Total
	Yen	Yen	Yen		Yen	Yen
FY2021	-	2.31	-		23.12	－
FY2022	-
FY2022(projection)		23.20	-		23.20	46.40

（Note）We adopted the share consolidation of the shares of Class B preferred stock on the basis of one post-consolidation share per ten pre- consolidation shares effective as of October 1, 2021. The impact from the share consolidation is reflected in the projection of cash dividends per share.

※This Financial Digest for the First Quarter of FY2022 is not subject to auditing by certified public accountants or an audit corporation.

5. Consolidated financial statements

(1) Consolidated balance sheets

		(Millions of yen)
	科目	As of	As of
	（Japanese）	March 31,	June 30,
	2022	2022
Assets	資産の部
Cash and due from banks	現金預け金	725,949	585,155
Monetary claims bought	買入金銭債権	3,811	3,830
Trading securities	商品有価証券	589	578
Money held in trust	金銭の信託	51,717	57,913
Securities	有価証券	680,385	646,168
Loans and bills discounted	貸出金	1,712,140	1,728,965
Foreign exchanges	外国為替	1,963	1,996
Lease receivables and investments in leases	リース債権及びリース投資資産	5,091	5,298
Other assets	その他資産	49,641	48,356
Tangible fixed assets	有形固定資産	23,518	23,235
Intangible fixed assets	無形固定資産	2,280	2,165
Retirement benefit asset	退職給付に係る資産	1,081	1,094
Deferred tax assets	繰延税金資産	2,662	3,244
Customers' liabilities for acceptances and guarantees	支払承諾見返	17,958	17,056
Allowance for loan losses	貸倒引当金	(13,593)	(13,166)
Total assets	資産の部合計	3,265,199	3,111,892
Liabilities	負債の部
Deposits	預金	2,656,962	2,719,971
Negotiable certificates of deposit	譲渡性預金	54,867	82,441
Cash collateral received for securities lent	債券貸借取引受入担保金	52,825	17,214
Borrowed money	借用金	343,800	145,300
Foreign exchanges	外国為替	58	37
Other liabilities	その他負債	25,758	21,961
Provision for bonuses for directors (and other officers)	役員賞与引当金	45	45
Retirement benefit liability	退職給付に係る負債	645	649
Provision for reimbursement of deposits	睡眠預金払戻損失引当金	126	89
Provision for contingent loss	偶発損失引当金	459	511
Deferred tax liabilities	繰延税金負債	2,040	1,033
Deferred tax liabilities for land revaluation	再評価に係る繰延税金負債	416	416
Acceptances and guarantees	支払承諾	17,958	17,056
Total liabilities	負債の部合計	3,155,965	3,006,729
Net assets	純資産の部
Share capital	資本金	18,000	18,000
Capital surplus	資本剰余金	23,550	23,550
Retained earnings	利益剰余金	55,942	56,524
Treasury shares	自己株式	(24)	(151)
Total shareholders' equity	株主資本合計	97,468	97,923
Valuation difference on available-for-sale securities	その他有価証券評価差額金	10,317	5,674
Deferred gains or losses on hedges	繰延ヘッジ損益	(203)	(87)
Revaluation reserve for land	土地再評価差額金	914	914
Remeasurements of defined benefit plans	退職給付に係る調整累計額	421	427
Total accumulated other comprehensive income	その他の包括利益累計額合計	11,449	6,929
Non-controlling interests	非支配株主持分	314	309
Total net assets	純資産の部合計	109,233	105,162
Total liabilities and net assets	負債及び純資産の部合計	3,265,199	3,111,892

1

1. Consolidated statements of income and consolidated statements of comprehensive income Consolidated statements of income

			(Millions of yen)
	科目	Three months	Three months
	ended	ended
	（Japanese）	June 30, 2021	June 30, 2022
Ordinary income	経常収益	12,214	14,672
Interest income	資金運用収益	7,682	9,841
Interest on loans and discounts	（うち貸出金利息）	4,694	4,434
Interest and dividends on securities	（うち有価証券利息配当金）	2,901	5,277
Fees and commissions	役務取引等収益	2,338	2,161
Other ordinary income	その他業務収益	1,364	1,479
Other income	その他経常収益	829	1,190
Ordinary expenses	経常費用	10,204	12,807
Interest expenses	資金調達費用	49	49
Interest on deposits	（うち預金利息）	42	25
Fees and commissions payments	役務取引等費用	885	827
Other ordinary expenses	その他業務費用	2,011	4,923
General and administrative expenses	営業経費	6,514	6,033
Other expenses	その他経常費用	742	973
Ordinary profit	経常利益	2,010	1,865
Extraordinary income	特別利益	1	7
Gain on disposal of non-current assets	固定資産処分益	1	7
Extraordinary losses	特別損失	72	44
Loss on disposal of non-current assets	固定資産処分損	72	44
Profit before income taxes	税金等調整前四半期純利益	1,938	1,828
Income taxes - current	法人税、住民税及び事業税	315	127
Income taxes - deferred	法人税等調整額	361	413
Total income taxes	法人税等合計	677	541
Profit	四半期純利益	1,261	1,286
	非 支 配 株 主 に 帰 属す る四 半期
Profit (Loss) attributable to non-controlling interests	純 利 益 又 は 非 支 配株 主に 帰属	(1)	(3)
	する四半期純損失（△）
Profit attributable to owners of parent	親 会 社 株 主 に 帰 属す る四 半期	1,262	1,290
純利益

Consolidated statements of comprehensive income

			(Millions of yen)
	科目	Three months	Three months
	ended	ended
	（Japanese）	June 30, 2021	June 30, 2022
Profit	四半期純利益	1,261	1,286
Other comprehensive income	その他の包括利益	3,674	(4,521)
Valuation difference on available-for-sale securities	その他有価証券評価差額金	3,524	(4,643)
Deferred gains or losses on hedges	繰延ヘッジ損益	140	115
Remeasurements of defined benefit plans, net of tax	退職給付に係る調整額	9	6
Comprehensive income	四半期包括利益	4,936	(3,234)
(Breakdown)	（内訳）
Comprehensive income attributable to owners of parent	親 会 社 株 主 に 係 る四 半期 包括	4,940	(3,229)
利益
Comprehensive income attributable to non-controlling	非 支 配 株 主 に 係 る四 半期 包括	(4)	(5)
interests	利益

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