Financial Statements
For the First Quarter Ended June. 30,2016

THE JOYO BANK, LTD.

THE JOYO BANK, LTD.

Table of Contents

CONSOLIDATED FINANCIAL INFORMATION
１．Consolidated Balance sheets････････････････････････････････････････１
２．Consolidated Statements of Income andConsolidated Statements of Comprehensive Income･･･････････････････３(Note)
Information presented herein has been extracted from the original material, solely forthe convenience of the readers outside Japan.
The amounts presented herein have not been audited.

THE JOYO BANK, LTD.
CONSOLIDATED FINANCIAL INFORMATION

１． Consolidated Balance sheets(Millions of yen)
As of Mar.
31,2016

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Lease receivables and investment assets
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Allowance for investment loss
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Trading liabilities
Borrowed money
Foreign exchanges
Bonds payable
Bonds with subscription rights to shares
Borrowed money from trust account
Other liabilities
Provision for directors' bonuses
Net defined benefit liability
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for loss on interest repayment
Provision for contingent loss
Reserves under special laws
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities

1

As of Jun.
30,2016

442,713
2,000
9,977
5,918
2,736,884
5,869,596
4,241
42,50264,583
94,3009,936
1,986
14,727△40,659△99,258,701

616,170
4,749
9,436
4,874
2,713,116
5,838,637
3,019
42,07882,876
93,9739,763
2,115
14,405△41,293△99,393,914

8,088,463
22,68945,560130,247895
174,118886
15,00033,804
13
78,62748
15,475
38
2,354
145
6
1,045
2
31,295
9,526
1,659
14,727
8,666,631

8,072,772
99,921
29,073
118,303
1,196303,494
288
15,00030,8732
75,4070
14,970
23
2,316
143
6
1,011
2
24,377
9,509
1,619
14,4058,814,721

THE JOYO BANK, LTD.

As of Mar.
31,2016

Net assets
Capital stock
Capital surplus
Retained earnings
Treasury shares
Total shareholders' equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for landRemeasurements of defined benefit plans
Total accumulated other comprehensive income
Subscription rights to shares
Non-controlling interests
Total net assets
Total liabilities and net assets

285,11358,574
333,964△21,569
456,082
135,031△3,07313,002△10,667
134,293
132
1,562
592,070
9,258,701(Millions of yen)
As of Jun.
30,2016

85,11358,574
337,605△21,547
459,745
118,772△3,952
12,964△10,027
117,756120
1,570
579,192
9,393,914

THE JOYO BANK, LTD.

２．Consolidated Statements of Income andComprehensive Income

Consolidated Statements of(Consolidated Statements of Income)
1QFY2015(3 months)

Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary profit
Extraordinary income
Gain on disposal of non-current assets
Extraordinary losses
Loss on disposal of non-current assets
Impairment loss
Profit before income taxes
Income taxes - current
Income taxes - deferred
Total income taxes
ProfitProfit attributable to non-controlling interests
Profit attributable to owners of parent

43,57925,154
16,5498,394
126,639
717
2,214
8,841
28,777
1,556
686
1,853
145
18,4706,751
14,801
19
19
57
45
12
14,763
4,472
△154
4,318
10,44430
10,41442,011
23,854
16,034
7,637
11
6,403
273
3,256
8,212
29,542
1,723
484
517
57
19,164
8,078
12,469
1
1
158
31
126
12,311
3,529
91
3,620
8,691
28
8,662

1QFY2015(3 months)(Millions of yen)
1QFY2016(3 months)(Consolidated Statements of Comprehensive Income)
ProfitOther comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Remeasurements of defined benefit plans, net of tax
Comprehensive income
Comprehensive income attributable toComprehensive income attributable to owners of parent
Comprehensive income attributable to non-controlling interests

3(Millions of yen)
1QFY2016(3 months)

10,444
9,451
9,116
175
158
19,896

8,691△16,517△16,277△879
639△7,826

19,862
33△7,8369