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Wednesday 26 April, 2006

Daiwa Secs Grp Inc

Final Results

Daiwa Securities Group Inc
26 April 2006



+813-3243-2100



2-6-4 Otemachi, Chiyoda-ku



Tokyo 100-8101, Japan



(URL http://www.daiwa.jp/ir/english/)



April 26, 2006

Consolidated financial summary

                   (For the fiscal year ended March 31, 2006)



(1) Operating results (from April 1, 2005 to March 31, 2006)

(Note) All figures in the financial statements are rounded down to the nearest
millionth.

 '-' indicates a loss or negative figure.

                                  (Millions of yen except for per share data and
                                yr/yr % change)
                          Operating revenues   Net operating revenues   Operating income      Ordinary income
Fiscal 2005 (2006/3)       845,659     (62.8)%    579,358     (48.4)%    254,159   (121.2)%   260,651   (116.4)%
Fiscal 2004 (2005/3)       519,337     (14.4)%    390,432     (10.8)%    114,887    (24.2)%   120,433    (25.3)%


                              Net income          Earnings/share         Fully diluted           Return on
                                                                        earnings/share     stockholders' equity
                                                                                              (annual basis)
Fiscal 2005 (2006/3)        139,948  (165.7)%     103.90         Yen      98.61        Yen        19.4         %
Fiscal 2004 (2005/3)         52,665   (23.5)%      39.03         Yen      37.36        Yen         8.4         %

(Note)

1. Equity in earnings

Fiscal 2005 (2006/3): 1,528 million yen               Fiscal 2004 (2005/3):
1,893 million yen

2. Average number of shares outstanding (shares)

Fiscal 2005 (2006/3): 1,328,967,253                         Fiscal 2004 (2005/
3): 1,330,674,648

3. Change in accounting policies: None



(2) Financial conditions
                    (Millions of yen except for per share data and percentage)
                            Total assets        Stockholders' equity      Stockholders'     Stockholders' equity
                                                                                                   /share
                                                                           equity ratio
As of Mar. 31, 2006          14,898,890               792,281                  5.3        %         598.27   Yen
As of Mar. 31, 2005          12,378,961               648,332                  5.2        %         486.70   Yen

Number of shares outstanding (shares)

As of Fiscal: 2005 (2006/3): 1,321,164,976  As of Fiscal: 2004 (2005/3):
1,330,602,933



(3) Cash flow summary

            (Millions of yen)
                      Operating activities   Investing activities   Financing activities  Ending balance of cash
                                                                                           and cash equivalents
Fiscal 2005 (2006/3)                369,860                   -911               -324,056                 392,350
Fiscal 2004 (2005/3)             -1,002,888                -26,062                883,867                 338,697



(4) Scope of consolidation and equity method

Consolidated subsidiaries: 46 companies                              Affiliates
applicable of equity method: 5 companies



(5) Change in scope of consolidation and equity method

Consolidation: Addition 1 company; Exclusion 1 company: Equity method: Addition:
1 company; Exclusion: 1 company



(Note) The Group's principal business is securities business, and the
performance is influenced by the market environment.  Therefore, the Group
doesn't disclose the estimated operating result, considering the difficulty to
forecast the performance.











Representative: Shigeharu Suzuki, President

Contact:       Mikita Komatsu, General Manager, Finance Department
     Phone: +813-3243-2100




Information on Group Companies



Daiwa Securities Group Inc. (the 'Company') and its related companies, 46
consolidated subsidiaries and 5 affiliates applicable of equity method
(collectively the 'Group'), predominantly operate in the investment and
financial segment, focusing on securities businesses such as trading and
brokerage of securities and derivatives, underwriting of securities,
distribution of securities, private offering of securities and other business
related to the securities and financial fields.  The Group provides wide range
of services, to meet the worldwide customer needs for raising and investing of
funds through its global networks linking major financial markets in Japan,
America, Europe and Asia

and Oceania.



Investing and financial services business (Parent, 46 consolidated subsidiaries
and 5 affiliates applicable of equity method)
(Parent company)                                   Daiwa Securities Group Inc.
(Securities related and financial business)        Retail:
Japan: 16 firms                                    Daiwa Securities Co. Ltd.
                                                   Wholesale:
                                                   Daiwa Securities SMBC Co. Ltd.
                                                   Asset Management:
                                                   Daiwa Asset Management Co. Ltd.
                                                   Daiwa SB Investments Ltd.
                                                   Investment:
                                                   Daiwa Securities SMBC Principal Investments Co. Ltd.
                                                   NIF SMBC Ventures., Ltd. *1
                                                   Research, System development and Consulting:
                                                   Daiwa Institute of Research Ltd.
                                                   Group Support:
                                                   Daiwa Securities Business Center Co., Ltd.
                                                   Daiwa Property Co., Ltd., etc
America: 11 firms                                  Wholesale, etc:
                                                   Daiwa America Corporation
                                                   Daiwa Securities America Inc., etc.
Europe: 9 firms                                    Daiwa Securities SMBC Europe Limited, etc.
Asia and Oceania: 15 firms                         Daiwa Securities SMBC H.K. Limited
                                                   Daiwa Securities SMBC Singapore Limited, etc.



*1 NIF Ventures Co., Ltd. changed the company name to NIF SMBC Ventures., Ltd.
following the merger of

SMBC Capital Co., Ltd. on October 1, 2005.



Management Policy



(a)   Principle Management Policy

We provide various high-quality products and services, in order to respond to
the needs of our clients. We aim to become 'the No.1' in each business area.  We
will maximize each division's potential by improving inner communication and
will provide integrated supreme services.



(b)   Principle Policy on the Distribution of Profits

We aim to maximize shareholder value including distribution of profits.
Considering the consolidated financial results, we will pay dividends based on a
pay-out ratio of approximately 30% semi-annually.  However, if we consider the
amount of retained earnings to be enough for future business expansion and the
financial situation to be stable, we intend to proactively implement measures to
distribute profits such as share repurchase.

We plan to pay a dividend of 22 yen per share for this period.  Since we paid an
interim dividend of 12 yen per share in last December according to the
resolution of the Board held on 28th October, 2005, the total amount of
dividends will be 34 yen per share for this fiscal year.  The dividend
pay-out-ratio for the 2nd half will be 30.9% and that of the fiscal year will be
32.2%.



(c)    Principle Policy on New Unit Share System

Taking into account our business results, share price and advantages and
disadvantages to the shareholders and the Company, we are examining the lowering
of the minimum share trading unit of our shares.





(d)     Management targets



We have set the following as the main medium-term management targets.

(1)     Consolidated ordinary income   : 350 billion yen or higher

(2)     Consolidated ROE                         : 15% or higher

(3)     Retail assets under custody          : 45 trillion yen or higher

(4)     Wholesale investment banking  : No. 1 in each League table (equity,
fixed income, M&A)



(e)     Mid to Long Term Management Strategies



We have established a medium-term management plan titled -'Passion for the
Best'2008- for the three-year period from FY2006 to FY2008.

The following is the vision for the group set in the medium-term management
plan.

 'The Japan's Leading Securities Group, built on customers' trust and employees'
passion

-Imagination and our will to realize-'.

We aim to become the best in Japan in various fields such as productivity,
customer satisfaction and employee satisfaction, as well as various business
results.



We have formulated the basic strategies for the group and those for the main
group companies, in order to accomplish the targets noted above and develop into
'The Japan's Best Securities Group'. Basic strategies for the group are as
follows.



(1)   Personnel affairs

We will develop an environment and framework where people with the highest
skills in the financial industry can gather and work with high motivation.  We
will establish an appropriate compensation package as the leading company in the
financial industry.  As for recruitment, we will increase opportunities to
interact with students and continuously acquire sophisticated and loyal students
and strengthen our presence.



(2)   Financial affairs

We aim to manage risks, return, and capital in an integrated manner and aim to
maintain our profitability as long as our financial soundness in order to
improve the corporate value along with the growth strategy set in the
medium-term management plan.  In each business segment, we aim to maintain the
profit ratio above the capital cost which is derived considering the risks
associated with those segments.  We will also refine the schemes to take and
control risks.



(3)   Information technology (IT) strategy

In order to use the system related resources effectively and to reduce the
development period, we will promote measures such as the centralization of IT
functions and the standardization of software used within the group.

We will proactively make IT investments to expand our business or to further
promote new businesses and products.



(4)   Risk management/ Internal control

We will organize the framework for broad-based risk management, such as the BCP
(Business Continuity Plan).  As for internal control, we will implement measures
to create the 'Internal control report' and to respond to the obligation for
external audit.



(5)   Investor relations/ Public relations/ Advertisement

We aim to establish the most advanced IR and disclosure framework in Japan, by
strengthening timely and appropriate disclosure which should be appropriate for
'Japan's leading securities group'.



(6)   Corporate social responsibility (CSR)

We aim to improve our social reputation and to contribute to the sound
development of the economic society by proactively increasing communication with
our stakeholders.  We will focus on topics such as education in economics and
finance, socially responsible investments and environment related matters.



Strategies for the main group companies.



(1)   Retail (Daiwa Securities)

 'The Accumulation of No.1' is Daiwa Securities' basic strategy.

By establishing a unique business model ('value-added consulting' by the sales
representative, 'Daiwa Direct' which has various products and information, '
SMA', the original separately managed account service for the wealthy class),
Daiwa Securities will provide highly competitive financial products and
services.



(2)   Wholesale investment banking (Daiwa Securities SMBC)

Daiwa Securities SMBC will provide various financial services with investment
banking services at its core.

We will be the No.1 in customer satisfaction, by building up firm relationships
with them.  We aim to continuously develop and provide the world's 1st or
Japan's 1st products.  We will retain the No.1 position in each league table.
These measures will enable us to become 'The Japan's Best Investment Bank' with
a 1st grade reputation internationally.



(3)   Asset management (Daiwa Asset Management, Daiwa SB Investments)

In the mutual fund business, we will provide products with global focus and
broad investment methods.  We will become the leading company in the industry
with excellent asset management capabilities, various products and various
strong sales channels.

In the investment advisory business, we will provide services not only to the
pension funds and the institutional investors in Japan, but also to those
abroad.  We aim to become a top-class firm in terms of assets under management
within the industry in Japan, and especially try to maintain our high reputation
as the leading firm in managing Japanese equity.

Daiwa Asset Management will increase the amount of assets under management by
strengthening its capabilities to manage the funds and customer support and by
selling mutual funds through commercial banks.

Daiwa SB Investments will improve external evaluations by focusing on improving
capabilities to manage assets.  We will meet the needs of domestic pension funds
and foreign investors, by diversifying fixed income related products and
alternative products which adopt a contingent fee system.



(4)   Investment (Daiwa Securities SMBC PI, NIF SMBC Ventures)

Daiwa Securities SMBC PI nurtures new businesses and firms in new industries, by
investing in non-performing loans, real estate and also by helping firms
restructure their businesses.

On October 1, 2005, NIF merged with SMBC Capital to establish NIF SMBC Ventures.
 NIF SMBC Ventures will promote full-line private equity investment utilizing
its infrastructure in the venture capital business.  It will also work to
promote commission based businesses by expanding peripheral services related to
its existing fund management business.



(5)   Research/ System (Daiwa Institute of Research)

In the research and consulting business, Daiwa Institute of Research will
provide high-quality and value-added research and consulting services, in order
to contribute to the group's securities business which is becoming diversified
and sophisticated.

In the information system business, Daiwa Institute of Research will provide
system solution services which contribute to the business strategies of each
segment in the group.



(f)    Current Challenges

Under the condition that Japanese economy keeps recovering steadily and the
shift 'from savings to investment' accelerate, the capital market undertakes
more important roles as a highly public platform.  And our social mission, to
develop and support a sound capital market, is becoming more important than
ever.  Under this condition, our business chance is expanding dramatically.

Based on this understanding, we think that this fiscal year, which is the first
fiscal year for the medium-term management plan, will be a step toward our
future leap.  With that in mind, we recognize that our task is to carry out the
action plan of each division according to the business policy below in this
fiscal year.

We determine our business policy of this fiscal year to be 'Passion, Creation,
Execution and Evolution -Full Throttle-'.  We respond to the customers' need
which is changing minute by minute and will stimulate new customers' needs.  All
of our management and employees will join together and aim to become 'The
Japan's Leading Securities Group'.



While the share market turn into mid and long term upturn, abundant individual
financial assets are flowing into the capital market.  Under this condition, in
the retail division, we try to expand our business by increasing assets under
custody, by refining the framework, that we can respond to all of the customers'
needs, with three platforms, 'Consulting', 'Daiwa Direct' and 'SMA'.

Reorganization and M&As by Japanese companies are intensifying.  Therefore, both
the needs of investment activity and those of financing are becoming diverse.
Our business opportunity are increasing, such as in the principal finance, SPS,
and in the traditional investment banking area.  Under this condition, in the
wholesale division, we try to expand our business field, by strengthening our
origination capabilities and by providing the best solution related to
investment activities and financing.

In the asset management division, by strengthening the asset management and
product development capabilities, we aim to increase the amount of mutual fund
and fiduciary assets under management.

Considering the tasks above, we aim to develop into 'The Japan's Leading
Securities Group' by accumulating the No.1 performances in each business field.



(g)Matters related to its parent

   None



Results of Operation and Financial Conditions



a. Consolidated operating results for fiscal 2005



1. Summary of operating results for 12 months (comparison with the fiscal 2004)

Net operating revenues increased 48.4% to 579,358 million yen mainly because
commissions and net gains on trading grew.  Selling, general and administrative
expenses increased 18.0% to 325,199 million yen.  As a result, ordinary income
increased 116.4% to 260,651 million yen and net income increased 165.7% to
139,948 million yen.



(1) Commissions

(i) Brokerage commission

Daily average trading value on the Tokyo Stock Exchange increased 68.7% to
2,404.5 billion yen.  Brokerage commission increased 43.1% to 119,520 million
yen.



(ii) Underwriting commission

Underwriting commission derived from equity increased 21.1% to 54,066 million
yen mainly because the Group actively acted as lead-manager for public offering
of large amount.  As a result, underwriting commission increased 17.5% to 64,313
million yen.



(iii) Distribution commission

Distribution commission grew 88.2% to 43,830 million yen because distribution
commissions in investment trust increased 112.3% to 41,798 million yen, due to
an increase in commission arising from sale of beneficiary certificate.



(iv) Other commission

Other commission on investment trust increase 56.1% to 40,268 million yen
primarily due to an increase in trust fee in line with expanded outstanding
balance of equity-related beneficiary certificate, and other commission on
investment banking and others increased contribution of M&A and management fee
for limited partnerships and similar partnerships.  As a result, total other
commission increased 48.7%to 81,523 million yen.



(2) Net gains on trading

Net gains on trading in stock and other increased 121.5% to 124,270 million yen.
  As a result, total net gains on trading increased 48.8% to 224,912 million
yen.



(3) Financial income

Interest and dividend income increased 107.8% to 245,210 million yen and
interest expenses increased 123.4% to 231,572 million yen.  Net financial income
decrease 4.9% to 13,638 million yen due to the change in presentation of share
of net income raised by the investments in limited partnerships and similar
partnerships.



(4) Selling, general and administrative expenses

Employees' compensation and benefits increased due to an increase in accrued
bonuses in line with operating result.  Commission and other expenses increased
in line with the increment of transaction.  As a result, selling, general and
administrative expenses increased 18.0% to 325,199 million yen.



2. Summary of operating results for 3 months (comparison with the third quarter
of fiscal 2005)

Consolidated net operating revenues for the fourth quarter of fiscal 2005
increased 14.6% to 186,612 million yen as a result of an increase in commissions
and net gains on trading.  Selling, general and administrative expenses for the
fourth quarter increased 2.8% to 88,824 million yen.  As a result, consolidated
ordinary income increased 25.4% to 98,287 million yen.  Net income increased
42.6% to 55,322 million yen for the fourth quarter of fiscal 2005, posting
extraordinary gains/losses, income taxes, and minority interest.



3. Operating results of overseas subsidiaries for fiscal 2005 (12 months)



Ordinary income by geographic area (millions of yen)


         America                     Europe                 Asia & Oceania                  Total
          2,695                      10,185                      3,442                      16,322





b. Financial conditions (comparison with March 31, 2005)



Net cash provided by operating was 369,860 million yen compared with -1,002,888
million yen for fiscal 2004.  Net cash used in investment activities was 911
million yen due to payments for purchase of investment securities in spite of a
decrease in time deposit, compared 26,062 million yen for fiscal 2004.  Net cash
used in financing activities was 324,056 million yen mainly due to decrease in
short-term borrowings, compared with -883,867 million yen for fiscal 2004.
Consequently, cash and cash equivalents increased by 53,652 million yen to
392,350 million yen in comparison with March31, 2005.



                          Consolidated balance sheets


                      (millions of yen)                       Fiscal 2005   Fiscal 2004    Increase/

                                                             Mar. 31, 2006 Mar. 31, 2005   Decrease
                           Assets
Current assets:                                                 14,392,393    11,936,024     2,456,368
Cash and deposits                                                  407,889       398,688         9,201
Cash segregated as deposits for regulatory purposes                297,878       153,516       144,361
Notes receivable and trade accounts receivable                      11,368         8,635         2,733
Securities                                                          20,205        15,037         5,167
Trading assets:                                                  6,162,242     5,242,319       919,922
Trading securities and others                                    4,491,212     4,690,548      -199,335
Derivative assets                                                1,671,029       551,771     1,119,258
Trading receivables, net                                                 -         9,419        -9,419
Private equity and other securities                                390,917       149,598       241,319
Less: Allowance for possible investment losses                      -8,496        -7,051        -1,445
Other inventories                                                    2,271           816         1,455
Receivables related to margin transactions:                        563,537       312,144       251,393
Customer margin loans                                              359,331       126,686       232,644
Cash deposits as collateral for securities borrowed                204,206       185,457        18,748
Collateralized short-term financing agreements:                  6,274,505     5,348,915       925,589
Cash deposits as collateral for securities borrowed              6,274,385     5,348,915       925,469
Receivables related to gensaki transactions                            120             -           120
Receivables                                                         25,940        11,458        14,481
Securities failed to deliver                                        25,717       130,176      -104,458
Short-term loans receivable                                         59,997        75,781       -15,784
Accrued income                                                      36,558        17,463        19,095
Deferred tax assets-current                                         20,187         9,076        11,110
Other current assets                                               101,965        60,354        41,610
Less: Allowance for doubtful accounts-current                         -293          -328            34
Non-current assets:                                                506,497       442,937        63,560
Tangible fixed assets                                              126,531       137,619       -11,088
Intangible fixed assets                                             68,813        62,052         6,760
Investments and others:                                            311,153       243,265        67,888
Investment securities                                              249,647       178,163        71,484
Long-term loans receivable                                          11,866        11,681           184
Long-term guarantee deposits                                        23,538        23,410           127
Deferred tax assets-non-current                                      9,300        12,839        -3,539
Other investments                                                   18,651        25,715        -7,064
Less: Allowance for doubtful accounts-non-current                   -1,851        -8,546         6,694
Total assets                                                    14,898,890    12,378,961     2,519,928


                                                                 Fiscal 2005  Fiscal 2004   Increase/

                                                                Mar. 31, 2006   Mar. 31,     Decrease
                       (millions of yen)                                          2005
                          Liabilities
Current liabilities:                                               12,812,909   10,685,604    2,127,304
Notes payable and trade accounts payable                                5,138        3,369        1,768
Trading liabilities:                                                4,879,188    3,658,544    1,220,644
Trading securities and others                                       3,321,855    3,196,633      125,222
Derivative liabilities                                              1,557,332      461,911    1,095,421
Trading payables, net                                                 302,572            -      302,572
Payables related to margin transactions:                              197,482      141,972       55,510
Payable to securities finance companies                                 7,569        2,981        4,588
Proceeds of securities sold for customers' accounts                   189,912      138,991       50,921
Collateralized short-term financing agreements:                     4,744,007    3,877,730      866,276
Cash deposits as collateral for securities loaned                   4,525,203    3,687,840      837,362
Payables related to gensaki transactions                              218,803      189,890       28,913
Deposits received                                                     166,508      110,415       56,093
Cash deposits received as guarantee                                    99,224       53,302       45,922
Securities failed to receive                                           20,188      138,288     -118,099
Short-term borrowings                                               1,795,320    2,295,928     -500,608
Commercial paper                                                      234,210      200,220       33,990
Bonds and notes due within one year                                   159,400      129,401       29,998
Income taxes payable                                                   73,779       10,596       63,182
Deferred tax liabilities-current                                        2,898          951        1,946
Accrued bonuses                                                        41,713       22,811       18,902
Other current liabilities                                              91,273       42,071       49,202
Non-current liabilities:                                            1,049,956      850,180      199,776
Bonds and notes                                                       819,559      666,136      153,422
Convertible bonds                                                           -       79,985      -79,985
Long-term debt                                                        167,952       74,195       93,757
Deferred tax liabilities-non-current                                   39,007        6,225       32,782
Retirement benefits                                                    19,912       19,173          738
Other non-current liabilities                                           3,525        4,465         -940
Statutory reserves                                                      7,024        5,650        1,374
Total liabilities                                                  13,869,891   11,541,435    2,328,455
Minority interests                                                    236,718      189,193       47,524
                     Shareholders' equity
Common stock                                                          138,828      138,432          395
Capital surplus                                                       118,339      117,941          398
Retained earnings                                                     476,216      362,948      113,267
Net unrealized gain (loss) on securities, net of tax effect            72,694       35,674       37,020
Translation adjustments                                                   863       -5,877        6,740
Treasury stock                                                        -14,660         -786      -13,873
Total shareholders' equity                                            792,281      648,332      143,948
Total liabilities, minority interests and shareholders' equity     14,898,890   12,378,961    2,519,928





                     Consolidated statements of operations


                    (millions of yen)                      Fiscal 2005  Fiscal 2004    Increase/       Yr/yr

                                                             Apr. 1,   Apr. 1, 2004-   Decrease          %
                                                             2005 -
                                                                       Mar. 31, 2005                  change
                                                            Mar. 31,
                                                              2006
Operating revenues:                                            845,659       519,337       326,322          62.8
Commissions                                                    309,188       216,386        92,801          42.9
Net gain (loss) on trading                                     224,912       151,117        73,794          48.8
Net gain (loss) on private equity and other securities (*       21,539             -        21,539             -
1)
Net gain (loss) on private equity and other securities (*            -           171          -171             -
2)
Interest and dividend income                                   245,210       118,019       127,191         107.8
Other sales revenues                                            44,808        33,641        11,167          33.2
Interest expenses                                              231,572       103,676       127,895         123.4
Cost of sales                                                   34,729        25,228         9,500          37.7
Net operating revenues                                         579,358       390,432       188,926          48.4
Selling, general and administrative expenses:                  325,199       275,544        49,654          18.0
Commission and other expenses                                   63,909        46,720        17,189          36.8
Employees' compensation and benefits                           171,061       142,751        28,310          19.8
Occupancy and rental                                            32,659        32,697           -38          -0.1
Data processing and office supplies                             17,273        16,804           468           2.8
Depreciation expenses                                           22,640        22,129           511           2.3
Taxes other than income taxes                                    8,071         6,755         1,316          19.5
Others                                                           9,582         7,685         1,896          24.7
Operating income                                               254,159       114,887       139,271         121.2
Non-operating income:                                            8,697         7,909           787          10.0
Equity in earnings                                               1,528         1,893          -365         -19.3
Others                                                           7,168         6,015         1,153          19.2
Non-operating expenses                                           2,204         2,363          -159          -6.7
  Others                                                         2,204         2,363          -159          -6.7
Ordinary income                                                260,651       120,433       140,218         116.4
Extraordinary gains                                             14,825         9,552         5,272          55.2
Extraordinary losses                                            17,122        17,383          -260          -1.5
Income before income taxes and minority interests              258,355       112,603       145,751         129.4
Income taxes-current                                            77,675        11,933        65,742         550.9
Income taxes-deferred                                              391        28,233       -27,841         -98.6
Minority interest                                              -40,339       -19,770       -20,568             -
Net income                                                     139,948        52,665        87,282         165.7

Net financial income included in net operating revenues         13,638        14,342          -703          -4.9



Note:

*1. Includes share of net income raised by the investments in limited
partnerships and similar partnerships.

*2. Excludes share of net income raised by the investments in limited
partnerships and similar partnerships.

The details are mentioned in 'Change in presentation'.









        Consolidated statements of capital surplus and retained earnings


                (millions of yen)                    Fiscal 2005     Fiscal 2004

                                                    Apr. 1, 2005-   Apr. 1, 2004-

                                                    Mar. 31, 2006   Mar. 31, 2005
Capital surplus
Beginning balance of capital surplus                       117,941         117,939
Increase in capital surplus                                    398               1
Conversion of convertible bonds                                395               0
Net gains on sales of treasury stock                             2               1
Decrease in capital surplus                                      -               -
Ending balance of capital surplus                          118,339         117,941
Retained earnings
Beginning balance of retained earnings                     362,948         330,780
Increase in retained earnings:                             140,557          52,665
Net income                                                 139,948          52,665
Increase due to merger of subsidiaries                         609               -
Decrease in retained earnings:                              27,290          20,497
Cash dividends paid                                         26,611          19,960
Bonuses to directors                                           678             536
Ending balance of retained earnings                        476,216         362,948



                     Consolidated statements of cash flows
                                                                                   Fiscal 2005     Fiscal 2004

                               (millions of yen)                                  Apr. 1, 2005-   Apr. 1, 2004-

                                                                                  Mar. 31, 2006   Mar. 31, 2005
1. Cash flows from operating activities:
Income before income taxes and others                                                     258,355       112,603
Depreciation                                                                               22,640        22,129
Increase in allowance for retirement benefits                                                 738         1,871
Interest and dividend income                                                             -245,724      -106,958
Interest expenses                                                                         231,335       103,539
Equity in earnings                                                                         -1,528        -1,893
Adjustment of extraordinary gains/losses items:
Gain on sale of fixed assets                                                                    -        -2,000
Loss on sale or disposal of fixed assets                                                      548         1,535
Valuation loss of fixed assets                                                                  -           114
Gain on sale of related companies' stocks                                                  -3,714             -
Write-down of related companies' stocks                                                         -            40
Gain on liquidation of related companies                                                        -          -599
Loss on liquidation of related companies                                                        -           650
Gain on sale of investment securities                                                      -6,385        -6,451
Loss on sale of investment securities                                                          69           892
Write-down of investment securities                                                           499         3,430
Loss on sale of loans receivable                                                                -         7,595
Reversal of stock purchase warrant                                                              -          -501
Gain on change in stake in subsidiary                                                      -4,725             -
Provision for doubtful accounts                                                                 -         1,638
Loss on litigation settlement                                                               1,279             -
Loss on impairment of fixed assets                                                          6,850             -
Extraordinary depreciation                                                                  4,439             -
Multiemployer pension plan settlement cost in subsidiaries                                      -           188
Reorganization costs of an overseas banking subsidiary                                          -           779
Foreign exchange loss from overseas subsidiary capital reduction                            1,563             -
Provision for securities transaction liabilities                                            1,374             -
Contribution to the Securities Market Infrastructure Improvement Fund                         200             -
Others                                                                                        297           517
(Increase) Decrease in deposits segregated for customer                                  -137,291       -43,042
(Increase) Decrease in loans receivable                                                    17,495        22,278
(Increase) Decrease in private equity and other securities                               -192,644       -18,342
(Increase) Decrease in trading assets, net of trading liabilities                         615,610       111,197
(Increase) Decrease in receivables related to margin transactions, net of                -195,882       -28,086
payables related to margin transactions
(Increase) Decrease in receivables on collateralized short-term financing                 -63,703    -1,183,394
agreements, net
Others                                                                                     59,506         7,739
Sub-total                                                                                 371,203      -992,528
Interest and dividend received                                                            232,214       106,770
Interest paid                                                                            -222,153      -103,440
Income taxes refunded (paid)                                                              -11,404       -13,689
Net cash provided by (used in) operating activities                                       369,860    -1,002,888






                                                                     Fiscal 2005     Fiscal 2004

                        (millions of yen)                           Apr. 1, 2005-   Apr. 1, 2004-

                                                                    Dec. 31, 2006   Mar. 31, 2005
2. Cash flows from investing activities:
Increase in time deposits                                                  -10,685         -53,041
Decrease in time deposits                                                   55,201               -
Payments for purchase of securities                                        -14,382         -20,130
Proceeds from sale and redemption of securities                             10,423          44,628
Payments for purchase of tangible fixed assets                             -12,525          -7,786
Proceeds from sale of tangible fixed assets                                    718           5,315
Payments for purchase of intangible fixed assets                           -24,311         -19,108
Payments for purchase of investment securities                             -29,589         -15,348
Proceeds from sale and redemption of investment securities                  19,763          53,979
Payments for purchase of subsidiaries' stocks from non-Group                     -             -13
shareholders
Proceeds from sale of related companies                                     13,416               -
Payments for purchase of related companies                                  -7,582               -
Payments for loan made                                                        -116             -77
Proceeds from collection of loans receivable                                   253             334
Others                                                                      -1,496         -14,814
Net cash provided by (used in) investing activities                           -911         -26,062
3. Cash flows from financing activities:
Increase (decrease) in short-term borrowings                              -446,189         759,982
Proceeds from issuance of bonds and convertible bonds                      505,357         225,874
Payments for redemption of bonds and convertible bonds                    -401,373         -97,102
Proceeds from long-term debt                                               128,500          28,800
Payments for repayment of long-term debt                                   -70,004         -14,011
Dividends paid                                                             -26,611         -19,960
Dividends paid to minority shareholders                                     -9,176            -167
Proceeds from minority shareholders due to issuance of shares                9,999               -
Proceeds from sale of treasury stocks                                           21              33
Others                                                                     -14,578             418
Net cash provided by (used in) financing activities                       -324,056         883,867
4. Effect of exchange rate changes on cash and                               7,428           3,819

cash equivalents
5. Net change in cash and cash equivalents                                  52,321        -141,263
6. Cash and cash equivalents at beginning of term                          338,697         480,123
7. Increase in cash and cash equivalents due to merger of                    1,331               -

subsidiaries
8. Decrease in cash and cash equivalents due to exclusion from                   -            -161
scope of consolidation
9. Cash and cash equivalents at end of term                                392,350         338,697



Notes to consolidated financial statements

The consolidated financial statements of the Company for the fiscal year ended
March 31, 2006 are prepared in accordance with the 'Cabinet Office Ordinance
Concerning Securities Companies' (Prime Minister's Office Ordinance and Ministry
of Finance Ordinance No. 32, 1998), and the 'Uniform Accounting Standards of
Securities Companies' (set by the board of directors of the Japan Securities
Dealers' Association, November 14, 1974), based on the 'Regulations of
Consolidated Financial Statements' (Ministry of Finance Ordinance No. 28, 1976)
and its Article 46 and 68.



Basis of consolidated financial statements

1. Scope of consolidation

Consolidated subsidiaries: 46 companies

Major companies:

Daiwa Securities Co. Ltd.

Daiwa Securities SMBC Co. Ltd.

Daiwa Asset Management Co. Ltd.

Daiwa Institute of Research Ltd.

NIF SMBC Ventures Co., Ltd.

Daiwa Securities Business Center Co. Ltd.

Daiwa Property Co., Ltd.

Daiwa Securities SMBC Europe Limited

Daiwa America Corporation

Daiwa Securities America Inc.

Daiwa Securities SMBC Asia Holding B.V.

Daiwa Securities SMBC H.K. Limited

Daiwa Securities SMBC Singapore Limited

One non-consolidated subsidiary is added to scope of consolidation due to its
increased materiality on the consolidated financial statement.  One consolidated
subsidiary is excluded from the scope of consolidation, as two consolidated
subsidiaries merged with a non-consolidated subsidiary during this fiscal year.
Each amount of total assets, operating revenues (or sales), net income
corresponding to equity holdings and retained earnings corresponding to equity
holdings of non-consolidated subsidiaries has little influence on the
consolidated financial statements and has little materiality as a whole.



2. Application of equity method

Affiliates applicable of equity method: 5 companies

Major companies:

Daiwa SB Investments Ltd.

Daiwa SMBC-SSC Securities Co. Ltd.

Totan Holdings Co., Ltd.

The Tokyo Tanshi Co., Ltd.

One company is newly added to the scope of equity method due to purchase of
shares during this fiscal year.  One affiliate is excluded from the scope of
equity method due to merger with a consolidated subsidiary during this fiscal
year.  A Each amount of net income corresponding to equity holdings and retained
earnings corresponding to equity holdings of both non-consolidated subsidiaries
and affiliates inapplicable of equity method has little influence on the
consolidated financial statements and has little materiality as a whole.

For affiliates applicable of equity method with the fiscal year ending other
than March 31, 2006, the financial statements for the fiscal year are reflected.



3. Fiscal period of subsidiaries

For subsidiaries with the fiscal year ending other than March 31, 2006, the
financial statements for the relevant fiscal year are employed and important
transactions occurred by discrepancies with closing account date are adjusted
for this consolidated financial statements.



4. Accounting policies

(1) Valuation of financial instruments and inventories

(i) Valuation of trading assets and liabilities

Trading assets and liabilities, including securities and financial derivatives
for trading purposes held by securities companies are recorded mainly on a trade
date basis in the consolidated balance sheet at either market or fair value.



(ii) Valuation of non-trading assets and liabilities

The Group examines the intent of holding each securities and classifies those
securities as (a) debt and equity securities intended to held for trading by
non-securities companies ('trading securities'), (b) debt securities intended to
be held to maturity ('held-to-maturity debt securities'), or (c) all other
securities not classified in any of the above categories ('available-for-sale
securities').



Trading securities are carried at fair value with unrealized gains or losses
included in income.  Held-to-maturity debt securities are stated at amortized
cost.



Available-for-sale securities with market value are stated at market value,
based on quoted market prices.  Realized gains and losses on sale of such
securities are computed using the moving-average cost.  Unrealized gains and
losses on these securities are reported, net of applicable income taxes, as a
separate component of the shareholders' equity.  Debt in available-for-sale
securities for which a market value is not available, are stated at the
amortized cost, net of the amount considered not collectible.  Equity in
available-for-sale securities for which a market value is not available, are
stated at the moving-average cost.



Of those securities with no fair value available, share of net income raised by
the investments in limited partnerships is reflected on consolidated statements
of operations and share of net unrealized profits and losses on securities held
by the partnerships is directly posted into stockholders' equity.  Private
equity and other securities held by certain consolidated subsidiaries are
categorized in current assets.



(iii) Valuation of other inventories

Cost method determined by the specific identification method is mainly applied.



(2) Depreciation of depreciable assets

(i)    Tangible fixed assets

Property and equipment are stated at cost.  The Company and domestic
consolidated subsidiaries compute depreciation principally by the
declining-balance method over estimated useful lives as stipulated by
Corporation Tax Law of Japan.  Depreciation for buildings purchased in Japan
after April 1, 1998 is computed by the straight-line method.  In overseas
consolidated subsidiaries, depreciation is mainly computed by the straight-line
method.

         (Additional Information)

The removal of headquarters of the Company and some consolidated subsidiaries
has been resolve.  The useful lives of buildings and equipments for those
headquarters are shortened up to the removal.  Extraordinary depreciation of
4,439 million yen was recorded as extraordinary losses, due to shortened useful
lives.  'Income before income taxes minority interests' decreased by that amount
as a result.



(ii)   Intangible fixed assets

Intangible fixed assets are generally amortized under the straight-line method.
The Company and domestic consolidated subsidiaries compute amortization over
estimated useful lives as stipulated by Corporation Tax Law of Japan, and over
internally estimated useful lives (5 years) for software of in-house use.



(3) Deferred assets

Stock issue costs and bond issue costs are amortized in a lump sum when
incurred.



(4) Accounting policies for various provisions

(i)    Provision for doubtful accounts

Provisions for doubtful accounts are provided based on the estimated historical
default rate for normal loans, and based on individually assessed amounts for
doubtful and failed loans.



(ii)   Allowance for possible investment losses

Some consolidated subsidiaries provide the allowances based on estimated losses
on private equity and other securities held, assessing the financial conditions
of invest companies.



(iii) Accrued bonuses

The Company and domestic consolidated subsidiaries follow the Japanese practice
of paying bonuses to employees in June and December.  Accrued employees' bonuses
represent liabilities estimated as of the balance sheet date.  Bonuses to
directors and corporate executive officers of the Company, which are subject to
approval at the Compensation Committee, represent liabilities as of the balance
sheet date.  Compensation Committee sets policies for deciding compensation of
individual directors and corporate executive officers and determines
compensation content for each individual.  The Chairman of the Board chairs the
committee, while three out of five committee members are outside directors.
Bonuses to directors of consolidated subsidiaries, which are subject to approval
at the shareholders' meeting, are accounted for as an appropriation of retained
earnings.



(iv)  Retirement benefits

The Company and most of domestic consolidated subsidiaries provide an unfunded
defined contribution plan to their employees in return for services rendered
each year, where the amount to be contributed to the individual employee's
account is defined by the plan.  Contributions by the Company and most of
domestic consolidated subsidiaries under the unfunded defined contribution plan
are accumulated on an annual basis and earn a guaranteed hypothetical return at
a rate predetermined by the Company and most of domestic consolidated
subsidiaries each year.  As for the closed pension fund, accrued retirement
benefits for the portion of 12 months are provided based on the difference
between projected benefit obligation and fund fair value expected on March 31,
2006.



(5) Accounting for certain lease transactions

Financial leases, whose ownership does not transfer to the lessee at the end of
the lease term (non-capitalized finance leases) are not capitalized and are
accounted for in the same manner as operating leases.



(6) Hedging transaction

Marked-to-market profits and losses on hedging instruments are principally
deferred as assets or liabilities until the profits or losses on the hedged
instruments are realized.  Interest received or paid on certain eligible
interest swaps for hedging purposes is accrued without being marked-to-market.
The premium or discount on forward foreign exchange for hedging purpose is
allocated to each fiscal term without being marked-to-market.



(7) Other material items

(i)    Accounting for consumption taxes

Consumption taxes are separately recorded.

(ii)   Consolidated tax payments system

The consolidated tax payments system is applied.



5. Valuation of assets and liabilities of consolidated companies

Assets and liabilities of the consolidated subsidiaries are recorded at fair
value when the majority of ownership is acquired.



6. Amortization of consolidation adjustment account

Consolidation adjustment account is amortized in a lump sum when incurred due to
its immateriality in amount.



7. Recording of appropriation of retained earnings

Appropriations of consolidated retained earning in the consolidated statement of
retained earning are recorded in the fiscal year when the appropriations are
resolved.



8. Scope of 'Cash and cash equivalents' in consolidated cash flow statements

'Cash and cash equivalents' in consolidated cash flow statements is defined as
liquid fund including cash in hand, current account deposits, and ordinary
deposits.





Change in presentation

Regarding the investments in limited partnerships and similar partnerships
regarded as securities, the profits and losses related to these investments had
been included in 'Interest and dividend income' until fiscal 2004, but those are
included in 'Net gain (loss) on private equity and other securities' since the
beginning of this fiscal year.  'Interest and dividend income' decreased by
17,142 million yen, due to this change in presentation.







Notes to consolidated balance sheets

1.     Accumulated depreciation of tangible fixed assets
   As of Mar. 31, 2006       As of Mar. 31, 2005
      105,753 million yen        97,300 million yen

2.     Guarantee
   As of Mar. 31, 2006       As of Mar. 31, 2005
        2,506 million yen         3,513 million yen


3.        Short-term and long-term borrowings include the subordinated
borrowings stipulated by Article 2 of the 'Cabinet Office Ordinance on the
Capital Adequacy Rule for Securities Companies' (Cabinet Office Ordinance No.
23, 2001).

Short-term borrowings
   As of Mar. 31, 2006       As of Mar. 31, 2005
       20,000 million yen        40,000 million yen

Long-term borrowings
   As of Mar. 31, 2006       As of Mar. 31, 2005
       82,000 million yen        20,000 million yen







Notes to consolidated statements of operations



Details of extraordinary gains/losses
 (million of yen)                                                   Fiscal 2005      Fiscal 2004

                                                                   Apr. 1, 2005-    Apr. 1, 2004-

                                                                   Mar. 31, 2006    Mar. 31, 2005
Extraordinary gains:
Gain on sale of fixed assets                                                     -            2,000
Gain on liquidation of related companies                                         -              599
Gain on sale of related companies' stock                                     3,714                -
Gain on sale of investment securities                                        6,385            6,451
Reversal of stock purchase warrant                                               -              501
Gain on change in stake in subsidiary                                        4,725                -

Extraordinary losses:
Loss on litigation settlement                                                1,279                -
Write-down of related companies stocks                                           -               40
Write-down of investment securities                                            499            3,430
Valuation loss of fixed assets                                                   -              114
Loss on sale or disposal of fixed assets                                       548            1,535
Loss on impairment of fixed assets                                           6,850                -
Extraordinary depreciation                                                   4,439                -
Loss on liquidation of related companies                                         -              650
Loss on sale of investment securities                                           69              892
Loss on sale of loans receivable                                                 -            7,595
Provision for doubtful accounts                                                  -            1,638
Reorganization costs for overseas banking subsidiary                             -              779
Foreign exchange loss from overseas                                         1,563                 -

subsidiary capital reduction
Multiemployer pension plan settlement cost in consolidated                       -              188
subsidiaries
Provision for securities transaction liabilities                             1,374              517
Contribution to the Securities Market                                          200                -

Infrastructure Improvement Fund
Others                                                                         297                -





Notes to consolidated cash flow statements

Reconciliation for 'cash and cash equivalents at end of term' and 'cash and time
deposits' on consolidated balance sheet


 (millions of yen)                                               Fiscal 2005       Fiscal 2004

                                                                   Mar. 31, 2006    Mar. 31, 2005
Cash and deposits                                                          407,889          398,688
Time deposit more than 3 months                                            -15,539          -59,990
Cash and cash equivalents                                                  392,350          338,697







Segment information



1. Net operating revenues by business segment

The Company and its consolidated subsidiaries' world-wide activities include (a)
trading in securities and derivatives, (b) brokerage of securities and
derivatives, (c) underwriting and distribution of securities, (d) other business
related to securities transactions and (e) private offering of securities.
These activities include financing and other services.  Accordingly, the Company
and its subsidiaries operate in a single industry segment, 'Investment and
financial services'.



2. Net operating revenues by geographic area

'Net operating revenues', 'Selling, general and administrative expenses (S.G. &
A. expenses)', 'Operating income' and 'Assets' by geographic area are as
follows.





Fiscal 2005 ended March 31, 2006
i. Net operating revenue and expenses
     (millions of yen)       Japan     America     Europe    Asia and      Total     Elimination/   Consolidated
                                                              Oceania
                                                                                      Unallocated
   Net operating revenues     541,666      5,527     21,672      10,492      579,358             -        579,358
   from external
   customers
   Intersegment revenues        1,529      8,758     12,085       1,605       23,979      (23,979)              -
   Net operating revenues     543,195     14,286     33,758      12,097      603,337      (23,979)        579,358
   S.G. & A. expenses         294,984     11,920     23,679       8,471      339,055      (13,856)        325,199
   Operating income           248,211      2,366     10,078       3,625      264,281      (10,122)        254,159

ii. Assets                 12,239,341  2,807,086  1,145,933      72,880   16,265,243   (1,366,352)     14,898,890



Fiscal 2004 ended March 31, 2005
i. Net operating revenue and expenses
     (millions of yen)       Japan     America     Europe    Asia and      Total     Elimination/   Consolidated
                                                              Oceania
                                                                                      Unallocated
   Net operating revenues     353,827      3,970     25,377       7,255      390,432             -        390,432
   from external
   customers
   Intersegment revenues      (2,370)      6,640      5,027       1,278       10,576      (10,576)              -
   Net operating revenues     351,457     10,611     30,404       8,534      401,008      (10,576)        390,432
   S.G. & A. expenses         244,543     10,594     24,202       6,781      286,122      (10,577)        275,544
   Operating income           106,914         16      6,202       1,752      114,886             1        114,887

ii. Assets                 10,078,853  2,098,375    811,191      62,560   13,050,981     (672,019)     12,378,961



Note:  Method of segmentation by geographic area and principal countries of the
area belonging to each segment are as follows:

(1) Method of segmentation by geographic area:  Geographical adjacency

(2) Principal countries of area belonging to each segment area:

                      America: USA

                      Europe: United Kingdom, Germany, Switzerland and France

                      Asia and Oceania: Hong Kong and Singapore





3. Overseas net operating revenues

Overseas net operating revenues include those of the Company and its
consolidated subsidiaries (excluding inter-company profit) are as follows.



Fiscal 2005 ended March 31, 2006
(millions of yen)                              America           Europe      Asia and Oceania       Total
Overseas net operating revenues                   10,312           19,370            11,015           40,698
Consolidated net operating revenues                    -                -                 -          579,358
Percentage of total revenues                         1.8              3.3               1.9              7.0



Fiscal 2004 ended March 31, 2005
(millions of yen)                              America           Europe      Asia and Oceania       Total
Overseas net operating revenues                    8,552           21,148             8,890           38,591
Consolidated net operating revenues                    -                -                 -          390,432
Percentage of total revenues                         2.2              5.4               2.3              9.9

Note:  Method of segmentation by geographic area and principal countries of area
belonging to each segment are same as '2. Net operating revenues by geographic
area'.



Notes to Post-Employment benefit plan

1. Post-Employment benefit plan

The Company and domestic consolidated subsidiaries adopt retirement lump-sum
system and some of domestic companies adopt the closed pension fund applied only
to annuitant.  The Company and almost all of domestic consolidated subsidiaries
introduced defined contribution pension plan in December, 2001.  Some
overseas-consolidated subsidiaries adopt defined contribution pension plan.



2. Post-employment benefit obligation and provision for employees' retirement
allowance on consolidated financial statement
                                                               Fiscal 2005 (Mar. 31,     Fiscal 2004 (Mar. 31,
                                                                               2006)                     2005)
(1)     Post -employment benefit obligation                        19,912million yen        19,173 million yen

Accrued retirement benefits:
(2)     Provision for employees' retirement allowance               6,156million yen          6,247million yen

Provision for employees' retirement allowance:



Note:  Provision for employees' retirement allowance is included in 'Employees'
compensation and benefits' of 'Selling, general and administrative expenses'.



3. Basis of measurement of post -employment benefit obligation
(1) Method of allocation of projected post-employment benefit obligation: Straight-line period method
                                                             Fiscal 2005 (Mar. 31,     Fiscal 2004 (Mar. 31,
                                                                             2006)                     2005)
(2) Discount rate:                                       Mainly 0.8% to 1.2%       Mainly 0.6% to 0.8%
(3) Expected rates of return on asset:                   Mainly 0.5% to 1.0%       Mainly 0.5% to 1.0%
(4) Term of amortization of net actuarial loss:          Mainly 4 to 5 years       Mainly 4 to 5 years



Other notes

The Group omits to disclose the notes concerning the 'Lease transactions' and
the 'Derivative transactions' on this financial summary.  The information will
be disclosed through EDINET, electronic disclosure system in accordance with
Japanese Securities Exchange Law.

The Group will disclose the notes concerning 'Transactions with related
parties', 'Deferred tax assets and liabilities, and ''Securities' as the '
Additional information on financial summary' as soon as those are available.





Supplemental information for fiscal year 2005



1. Breakdown of commissions



Fiscal 2005 ended March 31, 2006 (A)
       (millions of yen)           Equity     Fixed income   Investment    Investment      Others       Total
                                                                             banking
                                                 (Bond)         trust
Brokerage commission                  118,261           923           336             -             -    119,520
Underwriting commission                     -             -             -        64,313             -     64,313
(Stock and other)                         (-)           (-)           (-)      (54,066)           (-)   (54,066)
(Bond and other)                          (-)           (-)           (-)       (8,554)           (-)    (8,554)
Distribution commission                     -             -        41,798         2,031             -     43,830
Other commission                        1,955         2,278        40,268        16,389        20,631     81,523
(Agency commission)                       (-)       (2,259)      (22,275)           (-)           (-)   (24,535)
Total                                 120,216         3,202        82,403        82,735        20,631    309,188



Fiscal 2004 ended March 31, 2005 (B)
       (millions of yen)           Equity     Fixed income   Investment    Investment      Others       Total
                                                                             banking
                                                 (Bond)         trust
Brokerage commission                   81,919         1,463           159             -             -     83,542
Underwriting commission                     -             -             -        54,743             -     54,743
(Stock and other)                         (-)           (-)           (-)      (44,659)           (-)   (44,659)
(Bond and other)                          (-)           (-)           (-)       (8,573)           (-)    (8,573)
Distribution commission                     -             -        19,687         3,597             -     23,285
Other commission                        1,967         2,800        25,793        12,828        11,425     54,815
(Agency commission)                       (-)       (2,748)      (14,014)           (-)           (-)   (16,763)
Total                                  83,887         4,263        45,640        71,170        11,425    216,386



Yr/yr percentage change ((A) / (B) - 1)
         (percentage)              Equity     Fixed income   Investment    Investment      Others       Total
                                                                             banking
                                                 (Bond)         Trust
Brokerage commission                     44.4         -36.9         111.4             -             -       43.1
Underwriting commission                     -             -             -          17.5             -       17.5
(Stock and other)                         (-)           (-)           (-)        (21.1)           (-)     (21.1)
(Bond and other)                          (-)           (-)           (-)        (-0.2)           (-)     (-0.2)
Distribution commission                     -             -         112.3         -43.5             -       88.2
Other commission                         -0.6         -18.6          56.1          27.8          80.6       48.7
(Agency commission)                       (-)       (-17.8)        (58.9)           (-)           (-)     (46.4)
Total                                    43.3         -24.9          80.6          16.2          80.6       42.9





2. Breakdown of net gains on trading
       (millions of yen)            Fiscal 2005    Fiscal 2004 (2005/   Yr/yr % change
                                                           3)
                                     (2006/3)
Stock and other                            124,270             56,104              121.5
Bond, forex and other                      100,641             95,012                5.9
 (Bond and other)                         (39,025)           (62,407)            (-37.5)
 (Forex and other)                        (61,615)           (32,605)             (89.0)
Total                                      224,912            151,117               48.8





Quarterly consolidated statements of operation
              (millions of yen)                4th quarter  1st quarter  2nd quarter  3rd quarter  4th quarter

                                                 Jan. 1,    Apr.1, 2005- Jul.1, 2005- Oct.1, 2005- Jan.1, 2006-
                                                  2005-
                                                              Jun. 30,     Sep. 30,     Dec. 31,     Mar. 31,
                                                 Mar. 31,       2005         2005         2005         2006
                                                   2005
Operating revenues                                  158,088      135,435      195,376      245,284      269,562
Commissions                                          62,268       45,039       62,944       89,853      111,351
Brokerage commission                                 22,408       17,756       26,209       39,072       36,482
(Stock and other)                                    21,939       17,467       25,916       38,628       36,249
(Bond and other)                                        439          251          228          307          136
Underwriting commission                              15,405        5,320        9,132       16,378       33,482
(Stock and other)                                    11,991        2,501        6,661       13,504       31,398
(Bond and other)                                      2,824        2,410        2,011        2,277        1,854
Distribution commission                               7,659        7,515        9,305       13,214       13,796
(Beneficiary certificates)                            6,420        6,949        8,900       12,627       13,321
Other commission                                     16,795       14,447       18,297       21,188       27,590
(Beneficiary certificates)                            7,006        7,663        9,049       10,796       12,584
Net gain (loss) on trading                           44,397       35,804       68,547       57,749       62,810
(Stock and other)                                    21,577        7,435       39,042       31,102       46,690
(Bond and other)                                      8,531       20,566        8,236        5,751        4,471
(Forex and other)                                    14,288        7,802       21,268       20,896       11,648
Net gain (loss) on private equity                         -        4,009        2,071        9,037        6,421

and other securities (*1)
Net gain (loss) on private equity                    -1,563            -            -            -            -

and other securities (*2)
Interest and dividend income                         41,374       42,965       52,483       73,869       75,892
Other sales revenues                                 11,612        7,616        9,330       14,774       13,087
Interest expenses                                    32,137       38,531       49,507       70,425       73,107
Cost of sales                                         8,720        5,621        7,178       12,085        9,843
Net operating revenues                              117,230       91,282      138,689      162,773      186,612
Selling, general and administrative expenses:        73,581       69,878       80,106       86,389       88,824
Commission and other expenses                        13,086       13,748       15,509       16,148       18,503
Employees' compensation and benefits                 38,036       34,961       42,485       47,355       46,260
Occupancy and rental                                  8,443        7,746        8,312        8,042        8,557
Data processing and office supplies                   4,571        4,309        4,014        4,379        4,569
Depreciation expenses                                 5,758        5,551        5,588        5,669        5,830
Taxes other than income taxes                         1,556        1,594        2,004        2,109        2,363
Others                                                2,129        1,966        2,191        2,685        2,739
Operating income                                     43,649       21,404       58,582       76,383       97,788
Non-operating income                                  1,891        2,705        1,957        2,196        1,838
Non-operating expenses                                  389          308          384          172        1,338
Ordinary income                                      45,151       23,800       60,155       78,407       98,287
Extraordinary gains                                   5,307          321       10,562        3,020          921
Extraordinary losses                                 13,608            -          614        1,867       14,640
Income before income taxes and minority              36,850       24,122       70,102       79,560       84,569
interests
Income taxes-current                                  9,795        2,698       22,478       20,940       31,558
Income taxes-deferred                                 1,539        6,690        4,104        7,187      -17,591
Minority interests                                   -6,479       -3,096       -9,333      -12,629      -15,279
Net income                                           19,035       11,636       34,185       38,803       55,322

Net financial income included in net operating        9,236        4,434        2,975        3,444        2,785
revenues

Note:

*1. Includes share of net income raised by the investments in limited
partnerships and similar partnerships.

*2. Excludes share of net income raised by the investments in limited
partnerships and similar partnerships.









                                                                  April 26, 2006



Non-consolidated financial summary

                   (For the fiscal year ended March 31, 2006)



 (1) Operating results (from April 1, 2005 to March 31, 2006)

  (Note) All figures in the financial statements are rounded down to the nearest
millionth.

   '-' indicates a loss or negative figure.

                  (Millions of yen except for per share data and yr/yr % change)
                               Operating revenues             Operating income             Ordinary income
Fiscal 2005 (2006/3)                 35,215     (34.2)%           23,033     (65.9)%           25,140     (54.2)%
Fiscal 2004 (2005/3)                 26,236     (67.6)%           13,884    (921.5)%           16,302    (778.5)%


                               Net income        Earnings/share        Fully diluted     Return on stockholders'
                                                                      earnings/share      equity (annual basis)
Fiscal 2005 (2006/3)         51,335   (59.3)%       38.62      Yen      36.79        Yen         8.7            %
Fiscal 2004 (2005/3)         32,228      (-)%       24.21      Yen      23.31                    5.7            %

(Note) 1. Average number of shares outstanding (shares)
Fiscal 2005 (2006/3): 1,328,976,751     Fiscal 2004 (2005/3): 1,330,684,146

2. Change in accounting policies: None



 (2) Dividends
                                    Dividend / share                 Dividends     Pay-out ratio    Dividends on
                                                                                                   stockholders'
                                                                                                       equity
                                Yen    Interim        Year-end    Millions of yen               %                %

                                               Yen        Yen
 Fiscal 2005 (2006/3)         34.00          12.00          22.00          45,032            88.0              7.3
 Fiscal 2004 (2005/3)         13.00           5.00           8.00          17,298            53.7              3.1





 (3) Financial conditions
         (Millions of yen except for per share data and percentage)
                             Total assets     Shareholders' equity       Shareholders'     Shareholders' equity/
                                                                                                   share
                                                                          equity ratio
As of Mar. 31, 2006           1,224,643              613,824                   50.1      %          464.60    Yen
As of Mar. 31, 2005           1,088,665              573,115                   52.6                 430.71

 (Note)

        1. Number of shares outstanding (shares)
As of Mar. 31, 2006: 1,321,174,474      As of Mar. 31, 2005: 1,330,612,431



   2. Treasury stock (shares)
As of Mar. 31, 2006: 11,285,635          As of Mar. 31, 2005: 1,123,741



(Note) The Company, the holding company for the Daiwa Securities Group, is
influenced by the performance of subsidiaries.

           The subsidiaries' principal business is securities business, and the
economic and market environment affects their performance.  Therefore, the
Company doesn't disclose the estimated operating result, considering the
difficulty to forecast the performance.











                                 Balance sheets


                    (millions of yen)                       Fiscal 2005     Fiscal 2004       Increase/

                                                           Mar. 31, 2006   Mar. 31, 2005      Decrease
                         Assets
Current assets:                                                   313,632         227,816            85,816
Cash and deposits                                                 129,130         117,897            11,233
Securities                                                          3,542               -             3,542
Short-term loans receivable                                       133,404          87,369            46,034
Account receivable                                                 44,244          17,728            26,515
Accrued income                                                        753           1,845            -1,092
Deferred tax assets-current                                           564           1,886            -1,321
Other current assets                                                1,993           1,088               904

Non-current assets:                                               911,010         860,849            50,161
Tangible fixed assets                                              10,026          10,187              -161
Intangible fixed assets                                               755             717                38
Investments and others:                                           900,228         849,944            50,284
Investment securities                                             706,934         658,209            48,724
Long-term loans receivable                                        170,946         171,406              -460
Long-term guarantee deposits                                       12,885          12,471               413
Others                                                              9,911           8,351             1,559
Less: Allowance for doubtful accounts                                -449            -494                45

Total assets                                                    1,224,643       1,088,665           135,977




                   (millions of yen)                      Fiscal 2005      Fiscal 2004      Increase/

                                                         Mar. 31, 2006    Mar. 31, 2005     Decrease
                      Liabilities
Current liabilities:                                             278,064         263,444          14,620
Short-term borrowings                                             62,235          67,710          -5,475
Commercial paper                                                       -          25,000         -25,000
Bonds and notes due within one year                               79,193         100,000         -20,807
Collateralized short-term financing agreements                   132,112          66,855          65,256
Income taxes payable                                                 176             138              38
Accrued bonuses                                                    1,613             769             843
Other current liabilities                                          2,734           2,970            -235
Non-current liabilities:                                         332,754         252,105          80,649
Bonds and notes                                                  236,400         124,900         111,500
Convertible bonds                                                      -          79,985         -79,985
Long-term debt                                                    49,000          37,000          12,000
Long-term cash deposits received as guarantee                      4,042           4,100             -58
Deferred tax liabilities-non-current                              38,739           1,916          36,822
Retirement benefits                                                2,361           3,408          -1,047


Other non-current liabilities                                      2,211             793           1,417
Total liabilities                                                610,819         515,549          95,269
                 Shareholders' equity
Common stock                                                     138,828         138,432             395
Capital surplus                                                  118,339         117,941             398
Additional paid-in capital                                       118,182         117,786             395
Other capital surplus reserve                                        156             154               2
Net gains on sales of treasury stock                                 156             154               2
Retained earnings                                                314,133         289,409          24,723
Earned surplus reserve                                            45,335          45,335               -
General-purpose reserve                                          218,000         218,000               -
Unappropriated retained earnings                                  50,798          26,074          24,723
Net unrealized gain (loss) on securities, net of tax              57,183          28,119          29,063
effect
Treasury stock                                                   -14,660            -786         -13,873
Total shareholders' equity                                       613,824         573,115          40,708
Total liabilities and shareholders' equity                     1,224,643       1,088,665         135,977





                            Statements of operations


                                                    Fiscal 2005     Fiscal 2004      Increase/         Yr/yr

                (millions of yen)                 Apr. 1, 2005 -  Apr. 1, 2004 -     Decrease            %

                                                   Mar. 31, 2006   Mar. 31, 2005                      change

Operating revenues:                                        35,215          26,236           8,978            34.2
Dividends from related companies                           32,257          19,136          13,121            68.6
Interest on loans to related companies                      2,805           3,704            -898           -24.3
Other interest and dividend income                              -             100            -100               -
Royalty on trademark                                            -           3,295          -3,295               -
    Other                                                     152               -             152               -
Operating expenses:                                        12,181          12,352            -170            -1.4
Selling, general and administrative expenses:               9,210           7,731           1,478            19.1
Commission and other expenses                               1,747             917             829            90.5
Employees' compensation and benefits                        4,130           3,650             480            13.2
Occupancy and rental                                          614             681             -67            -9.9
Data processing and office supplies                           855             870             -15            -1.7
Depreciation expenses                                         350             428             -78           -18.2
Others                                                      1,512           1,182             329            27.9
Interest expenses                                           2,971           4,620          -1,649           -35.7
Operating income                                           23,033          13,884           9,148            65.9
Non-operating income                                        2,841           2,669             171             6.4
Non-operating expenses                                        733             251             482           191.4
Ordinary income                                            25,140          16,302           8,838            54.2
Extraordinary gains                                         9,681           9,149             531             5.8
Extraordinary losses                                        3,255           3,396            -141            -4.2
Income before income taxes                                 31,566          22,055           9,511            43.1
Income taxes-current                                      -37,973          -8,064         -29,908               -
Income taxes-deferred                                      18,205          -2,109          20,314               -
Net income                                                 51,335          32,228          19,106            59.3
Unappropriated retained earnings-carryforward              15,429             498          14,930               -
Interim dividends                                          15,966           6,653           9,313               -
Unappropriated retained earnings                           50,798          26,074          24,723               -





Statement of appropriation of retained earnings



                                                               (millions of yen)




                                                             ( Appropriation plan )
                                                                   Fiscal 2005              Fiscal 2004

                                                                  Apr. 1, 2005-            Apr. 1, 2004-

                                                                  Mar. 31, 2006            Mar. 31, 2005
Unappropriated retained earnings                                               50,798                  26,074
                           Total                                               50,798                  26,074
Appropriations of retained earnings
Dividends (*)                                                     29,065                   10,644

                                                                (Note 1)       29,065    (Note 2)      10,644
Unappropriated retained earnings carried forward                               21,732                  15,429

   (Note 1): 22 yen per share

(Note 2): 8 yen per share

(*)The Company paid interim dividend of 6,653 million yen (5 yen per share) on
December 1, 2004 and 15,966 million yen  (12 yen per share) on December 1, 2005.







Notes to financial statements

The financial statements of the Company for fiscal 2005 ended March 31, 2006 are
prepared in accordance with 'Regulations of Financial Statements' (MOF Ordinance
No. 59, 1963).



Basis of financial statements

1.        Valuation of securities

The Company examines the intent of holding each securities and classifies those
securities as (a) debt and equity securities intended to held for trading
purpose ('trading securities'), (b) equity securities issued by subsidiaries and
affiliated companies, or (c) all other securities not classified in any of the
above categories ('available-for-sale securities').



Trading securities are carried at fair value with unrealized gains or losses
included in income.  Equity securities issued by subsidiaries and affiliated
companies are stated at moving-average cost.



Available-for-sale securities with market value are stated at market value,
based on quoted market prices.  Realized gains and losses on sale of such
securities are computed using the moving-average cost.  Unrealized gains and
losses on these securities are reported, net of applicable income taxes, as a
separate component of the shareholders' equity.  Debt in available-for-sale
securities for which a market value is not available, are stated at the
amortized cost, net of the amount considered not collectible.  Equity in
available-for-sale securities for which a market value is not available, are
stated at the moving-average cost.



Of those securities with no fair value available, share of net income raised by
the investments in limited partnerships is reflected on statements of operations
and share of net unrealized profits and losses on securities held by the
partnerships is directly posted into stockholders' equity.



2.  Depreciation of depreciable assets

(1) Tangible fixed assets

The Company computes depreciation by the declining-balance method over estimated
useful lives as stipulated by Corporation Tax Law of Japan.  Depreciation for
buildings purchased in Japan after April 1, 1998 is computed by the
straight-line method.

(2) Intangible fixed assets, and investments and others

Intangible fixed assets are amortized under the straight-line method.  The
Company computes amortization over estimated useful lives as stipulated by
Corporation Tax Law of Japan, and over internally estimated useful lives (5
years) for software of in-house use.



3. Accounting for various provisions

(1) Provision for doubtful accounts

Provisions for doubtful accounts are provided based on the estimated historical
default rate for normal loans, and based on individually assessed amounts for
doubtful accounts.

(2) Accrued bonus

Accrued employees' bonuses represent liabilities estimated as of the balance
sheet date.  Bonuses to directors and corporate executive officers, which are
subject to approval at the Compensation Committee, represent liabilities as of
the balance sheet date.

(3) Retirement benefits

The Company provides an unfunded defined contribution plan to its employees in
return for services rendered each year, where the amount to be contributed to
the individual employee's account is defined by the plan.  Contributions by the
Company under the unfunded defined contribution plan are accumulated on an
annual basis and earn a guaranteed hypothetical return at a rate predetermined
by the Company each year.  As for the closed pension fund, accrued retirement
benefits for the portion of 12 months are provided based on the difference
between projected benefit obligation and fund fair value expected on March 31,
2006.



4.  Deferred assets

  Stock issue costs and bond issue costs are amortized in a lump sum when
incurred.



5. Accounting for certain lease transactions

Financial leases, whose ownership does not transfer to the lessee at the end of
the lease term (non-capitalized finance leases) are not capitalized and are
accounted for in the same manner as operating leases.



6. Hedging transaction

Marked-to-market profits and losses on hedging instruments are principally
deferred as assets or liabilities until the profits or losses on the hedged
instruments are realized.  Interest received or paid on certain eligible
interest swaps for hedging purposes is accrued without being marked-to-market.
The premium or discount on forward foreign exchange for hedging purpose is
allocated to each fiscal term without being marked-to-market.



7. Other material items

(1) Accounting for consumption taxes

Consumption taxes are separately recorded.

    (2) Consolidated tax payments system

The consolidated tax payments system is applied.





Change in presentation

'Other interest and dividend income' and 'Royalty on trademark' which had been
separately presented until fiscal 2004 are included in 'Other' of Operating
revenues from the beginning of this fiscal year, due to lessened materiality in
amount.  'Other interest and dividend income' and 'Royalty on trademark' for
fiscal 2005 are 134 million yen and 12 million yen, respectively.



Notes to balance sheets



1. Accumulated depreciation of tangible fixed assets
       As of Mar. 31, 2006               As of Mar. 31, 2005
        3,054 million yen                 3,218 million yen



2. Guarantee
       As of Mar. 31, 2006               As of Mar. 31, 2005
        4,589 million yen                 8,969 million yen



3. Details of increase in shares out standing
                                        Number of shares issued          Issuance amount    Capitalized amount
Conversion of convertible bonds                          723,937         791 million yen       395 million yen



Notes to statements of operations

Details of extraordinary gains/losses

                                                               (millions of yen)
                                                                   Fiscal 2005       Fiscal 2004

                                                                     Apr. 1, 2005-     Apr. 1, 2004-

                                                                     Mar. 31, 2006     Mar. 31, 2005
Extraordinary gains:

Gain on sale of fixed assets                                                       -                20
Gain on liquidation of related companies                                       1,200             5,529
Gain on sale of related companies' stocks                                      6,146                 -
Gain on sale of investment securities                                          2,333             3,098
Reversal of stock purchase warrant                                                 -               501
Extraordinary losses:

Loss on litigation settlement                                                  1,279                 -
Write-down of related companies' stocks                                            -                42
Write-down of investment securities                                               75             3,035
Loss on sale of investment securities                                              4                 -
Valuation loss of fixed assets                                                     -                52
Loss on sale or disposal of fixed assets                                         120               116
Provision for doubtful accounts                                                  211               150
Foreign exchange loss from overseas subsidiary capital reduction               1,563                 -





Notes to securities

 Fair value of subsidiary and affiliated company stocks as of Mar. 31, 2006
               (millions of yen)
                                    Carrying value         Fair value       Difference
Subsidiary                                  19,648            142,464          122,816
Affiliated company                             274                649              375



Other notes

The Company omits to disclose the notes concerning the 'Lease transactions' on
this financial summary.  The information will be disclosed through EDINET,
electronic disclosure system in accordance with Japanese Securities Exchange
Law.  The Company will disclose the notes concerning the 'Deferred income tax
assets and liabilities' as the 'Additional information on financial summary' as
soon as it is available.






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