Interim Financial Information
for Fiscal Year 2021
(Ended September 30，2021)(Summary)

THE 77 BANK, LTD.

INTERIM FINANCIAL INFORMATIONFOR FISCAL YEAR 2021
(ENDED SEPTEMBER 30，2021)(Summary)

CONTENTS

PAGE

Ｉ． Interim Consolidated Information
1. Interim Consolidated Balance Sheets………… 1

2. Interim Consolidated Statements of Income
and Consolidated Interim Statements of Comprehensive Income ………… 3
3. Interim Consolidated Statements of Changes in Net Assets………… 5

4. Interim Consolidated Statements of Cash Flows………… 7

5. Segment Information………… 9Ⅱ． Interim Non-consolidated Information
1. Interim Non-consolidated Balance Sheets………… 10

2. Interim Non-consolidated Statements of Income………… 12

3. Interim Non-consolidated Statements of Changes in Net Assets ………… 13
Ⅲ． Explanatory Materials to Interim Financial Report
1. Interim Financial Data………… 17

2. Condition of Loans Portfolio………… 19

3. Condition of Securities Portfolio………… 23

Ｉ．Interim Consolidated Information
1.Interim Consolidated Balance Sheets
Item
Assets:(Millions of Yen)
科目
(Japanese)

As of
MAR.31, 2021

As of
SEP.30, 2021

（資産の部）Cash and due from banks

現金預け金Dept purchased

1,371,871

1,668,878

買入金銭債権

4,000

4,000

Trading account securities

商品有価証券

20,627

21,271

Money held in trust

金銭の信託

108,901

111,329

Investment securities

有価証券

3,106,542

3,122,164

Loans and bills discounted

貸出金

5,088,570

5,147,291

Foreign exchange assets

外国為替

5,865

6,424

Lease receivables and investment assets

リース債権及びリース
投資資産

19,637

20,189Other assets

その他資産

96,56890,093

Tangible fixed assets

有形固定資産33,28632,344

Intangible fixed assets

無形固定資産347

331

Deferred tax assets

繰延税金資産984

997

Customers' liabilities for acceptances andguarantees

支払承諾見返43,73538,643

Reserve for loan losses

貸倒引当金(61,356)(62,203)

Total assets

資産の部合計9,839,581

10,201,756

Note: The amounts are rounded down to the nearest million.

-1-

(Millions of Yen)
科目
(Japanese)

Item
Liabilities:

As of
SEP.30, 2021

（負債の部）

Deposits

預金

Negotiable certificates of deposit
Payables under securities lendingtransactions
Borrowed money
Foreign exchange liabilities
Other liabilities

8,316,021

8,232,774

譲渡性預金

211,460

240,900

債券貸借取引受入担保金

25,8691,201

借用金604,679

1,028,870

外国為替

155

74

その他負債

83,14486,351

68－

Liability for bonus for directors and corporate
役員賞与引当金
auditors
Liability for employees' retirement benefits

As of
MAR.31, 2021

退職給付に係る負債

17,102

16,056

Liability for directors' and corporate auditors'
役員退職慰労引当金
retirement benefits

36

37

Reserve for stock benefits

株式給付引当金

817

807

Reserve for reimbursement of deposits

睡眠預金払戻損失引当金

311

282

Reserve for contingent losses

偶発損失引当金

804

779

Reserves under special laws

特別法上の引当金00Deferrd tax liabilities

繰延税金負債

22,03725,504

Acceptances and guarantees

支払承諾43,73538,643

Total liabilities

負債の部合計9,326,243

9,672,285

Net assets:(純資産の部)

Common stock

資本金24,65824,658

Capital surplus

資本剰余金20,517

20,075Retained earnings

利益剰余金374,218

384,545

Treasury stock

自己株式(6,972)(6,444)

Total stockholders' equity

株主資本合計412,421422,835

Unrealized gains on available-for-salesecurities
Deferred gain (loss) on derivatives underhedge accounting

その他有価証券
評価差額金

106,557

111,730

繰延ヘッジ損益

(375)

(292)

(5,265)(4,800)Total accumulated other comprehensive
income

退職給付に係る調整累計額
その他の包括利益累計額合計

100,916

106,636

Total net assets

純資産の部合計

513,337

529,471

9,839,581

10,201,756

Remeasurements of defined benefit plans

Total liabilities and net assets

負債及び純資産の部合計

Note: The amounts are rounded down to the nearest million.

-2-2.Interim Consolidated Statements of Income
and Consolidated Interim Statements of Comprehensive Income
Interim Consolidated Statements of Income
Item(Millions of Yen)

科目
（Japanese）

For the six
months ended
SEP.30, 2020

For the six
months ended
SEP.30, 2021

Ordinary income

経常収益55,60961,594

Interest income

資金運用収益34,25837,337[Interest on loans and discounts][うち貸出金利息][20,739 ] [20,965 ][Interest and dividends on trading
account and investment securities][うち有価証券利息配当金] [13,336 ] [15,967 ]Fees and commissions

役務取引等収益

8,295

9,689

Other operating income

その他業務収益

6,372

7,261

Other income

その他経常収益

6,682

7,305

Ordinary expenses

経常費用

44,535

43,169Interest expenses

資金調達費用827

309[Interest on deposits][うち預金利息]

192 ] [

82 ]Fees and commissions

役務取引等費用

3,187

2,444

Other operating expenses

その他業務費用

5,452

10,624General and administrative expenses

営業経費

27,622

27,094

Other expenses

その他経常費用

7,445

2,696

Ordinary profits

経常利益

11,073

18,424Extraordinary income

特別利益

－

－

Extraordinary loss

特別損失

146

421

Impairment loss

減損損失

146

421

Transfer to reserve for financial products
transaction liabilities

金融商品取引責任準備金繰入額

00

税金等調整前中間純利益

10,92718,002

Income taxes - current

法人税、住民税及び事業税

3,557

5,502

Income taxes - deferred

法人税等調整額

(108)

317

Total Income taxes

法人税等合計

3,449

5,819

Net income

中間純利益

7,477

12,183

Net income attributable to owners of theparent

親会社株主に帰属する
中間純利益

7,477

12,183

Income before income taxes and minority
interests

Note: The amounts are rounded down to the nearest million.

-3-[

Consolidated Interim Statements of Comprehensive Income(Millions of Yen)
Item

科目
（Japanese）

For the six
months ended
SEP.30, 2020

For the six
months ended
SEP.30, 2021

Net income

中間純利益

7,477

12,183

Other comprehensive income

その他の包括利益

18,288

5,720

Unrealized gain on availabele-for-salesecurities

その他有価証券評価差額金

17,513

5,172

Deferred gains or losses on hedges

繰延ヘッジ損益

211

82

Defined retirement benefit plans

退職給付に係る調整額

563

464

Comprehensive income

中間包括利益25,766

17,903Comprehensive income attributable toowners of the parent

親会社株主に係る中間包括利益

25,766

17,903

Note: The amounts are rounded down to the nearest million.

-4-3.Interim Consolidated Statements of Changes in Net Assets

For the six months ended Sep.30,2020 (from April 1, 2020 to September 30, 2020)(Millions of Yen)
Stockholders' equity
Item（Japanese)

Common stock

Capital surplus

資本金

資本剰余金

Retainedearnings

Treasury stock

Total
stockholders'equity

自己株式

株主資本合計株主資本
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

24,658

利益剰余金20,517

361,462(7,040)399,597(1,856)(1,856)

7,477

7,477
(0)

(0)

70

70

－

－

5,621

69

5,690

24,65820,517367,083(6,971)

405,288

Note: The amounts are rounded down to the nearest million.

(Millions of Yen)
Accumulated other comprehensive income

Item（Japanese)

Unrealized gain on
available-for-salesecurities

Deferred gain
(loss) on
derivatives
under hedge
accounting

Definedretirement
benefit plans

Total
accumulated
othercomprehensive
incomeTotal net
assets

その他の包括利益累計額
その他有価証券
評価差額金
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

繰延ヘッジ損益

退職給付に係る調整累計額

その他の包括利益
累計額合計

(826)

(7,541)47,83856,207

純資産合計

447,436(1,856)
7,477
(0)
70

17,513211

563

18,28818,28817,513211

563

18,28823,97973,720(615)(6,978)66,126

471,415

Note: The amounts are rounded down to the nearest million.

-5-For the six months ended Sep.30,2021 (from April 1, 2021 to September 30, 2021)(Millions of Yen)
Stockholders' equity
Item（Japanese)

Common stock

Capital surplus

資本金

資本剰余金

Retainedearnings

Treasury stock

Total
stockholders'equity

自己株式

株主資本合計株主資本
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

24,65820,517

利益剰余金
374,218(6,972)

412,421(1,856)(1,856)

12,813

12,183

(441)

(514)

(514)

1,042

601

－

(441)

10,326528

10,41424,65820,075384,545(6,444)

422,835

Note: The amounts are rounded down to the nearest million.

(Millions of Yen)
Accumulated other comprehensive income

Item（Japanese)

Unrealized gain on
available-for-salesecurities

Deferred gain
(loss) on
derivatives
under hedge
accounting

Definedretirement
benefit plans

Total
accumulated
othercomprehensive
incomeTotal net
assets

その他の包括利益累計額
その他有価証券
評価差額金
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

繰延ヘッジ損益

退職給付に係る調整累計額

その他の包括利益
累計額合計

(375)

(5,265)100,916

106,557

純資産合計

513,337(1,856)
12,183
(514)
601

5,172

82

464

5,720

5,720

5,172

82

464

5,720

16,134

111,730(292)(4,800)106,636

529,471

Note: The amounts are rounded down to the nearest million.

-6-4.Interim Consolidated Statements of Cash Flows

Ⅰ.Operating activities:(Millions of Yen)
For the six
months ended
Sep.30,2020

For the six
months ended
Sep.30,2021

営業活動によるｷｬｯｼｭ･ﾌﾛｰ

Income before income taxes and minority
interests

税金等調整前中間純利益

10,92718,002

Depreciation and amortization

減価償却費

1,490

1,670

Impairment loss

減損損失

146

421

Change in reserve for loan losses

貸倒引当金の増減

4,374

846

Change in reserve for contingent losses

偶発損失引当金の増減

(61)

(24)

Change in liability for bonus for directors andcorporate auditors

役員賞与引当金の増減額

(81)

(68)

Change in liability for employees' retirement
benefits

退職給付に係る負債の増
減額

(140)

(377)

Change in liability for directors' and corporate
auditors' retirement benefits

役員退職慰労引当金の増
減額

2

0

Change in reserve for stock benefits

株式給付引当金の増減

3(9)Change in reserve for reimbursement of deposits

睡眠預金払戻損失引当金
の増減

10

(29)

Interest income

資金運用収益(34,258)(37,337)

Interest expense

資金調達費用

827

309

Losses (gains) on investment securities - net

有価証券関係損益(1,496)429

Gains on money held in trust - net

金銭の信託の運用損益(2,254)(1,352)Foreign exchange gains (losses) -net

為替差損益

3,025

(655)

Gains on disposals of fixed assets

固定資産処分損益

38127

Net change in loans and bills discounted

貸出金の純増減(41,409)(58,721)

Net change in deposits

預金の純増減335,984(83,246)

Net change in negotiable certificates of deposit

譲渡性預金の純増減(30,860)

29,440Net change in borrowed money

借用金（劣後特約付借入金を除く）の純増減

268,306

424,191

Net change in due from banks

預け金(日銀預け金を除く）の純増減(4,128)(9,632)

Net change in call loans and others

ｺｰﾙﾛｰﾝ等の純増減

4290

Net change in call money and others

ｺｰﾙﾏﾈｰ等の純増減(8,706)-

Net change in payable under securities lendingtransactions

債券貸借取引受入担保金の純増減(10,806)(24,668)

Net change in trading account securities

商品有価証券の純増減

(677)

(644)

Net change in foreign exchange assets

外国為替(資産)の純増減

421

(558)

Net change in foreign exchange liabilities

外国為替(負債)の純増減

76

(80)

Net change in lease receivables and investment
assets

リース債権及びリース投資資産の純増減

119

(551)

Interest received

資金運用による収入

36,471

38,933

Interest paid

資金調達による支出(1,042)(361)

Other - net

その他

9,460

5,820

Sub total

小計

536,194

301,874

Income taxes (paid) refund

法人税等の支払額又は還付額(5,118)(1,971)

営業活動によるｷｬｯｼｭ･ﾌﾛｰ

531,076

299,903

Net cash provided by (used in) operating activities

Note: The amounts are rounded down to the nearest million.

-7-

(Millions of Yen)

Ⅱ.Investing activities:

For the six
months ended
Sep.30,2020

For the six
months ended
Sep.30,2021

投資活動によるｷｬｯｼｭ･ﾌﾛｰ

Purchases of investment securities

有価証券の取得による支出(412,615)(326,291)

Proceeds from sales of investment securities

有価証券の売却による収入

76,552

141,763

Proceeds from maturity of investment securities

有価証券の償還による収入

282,164

175,087

Purchases of tangible fixed assets

有形固定資産の取得による支出(1,464)(1,170)

Proceeds from sales of tangible fixed assets

有形固定資産の売却に
よる収入

5

16

Purchases of intangible fixed assets

無形固定資産の取得に
よる支出

－

(3)

Payments for asset retirement obligations

資産除去債務の履行に
よる支出

－

(77)

(55,357)(10,675)

Net cash （used in) provided by investing activities

投資活動によるｷｬｯｼｭ･ﾌﾛｰ

Ⅲ.Financing activities:

財務活動によるｷｬｯｼｭ･ﾌﾛｰ

Purchases of treasury stock

自己株式の取得による支出

(0)

514

Proceeds from sales of treasury stock

自己株式の売却による収入－

513

Dividends paid

配当金の支払額(1,859)(1,853)

Net cash used in financing activities

財務活動によるｷｬｯｼｭ･ﾌﾛｰ(1,860)(1,854)

Ⅳ.Foreign currency translation adjustments on
cash and cash equivalents

現金及び現金同等物に係る換算差額(0)

0Ⅴ.Net increase(decrease)in cash and cash
equivalents

473,857

287,374

Ⅵ.Cash and cash equivalents，beginning of term

現金及び現金同等物の増減額
現金及び現金同等物の期
首残高

737,406

1,366,991

Ⅶ.Cash and cash equivalents，end of term

現金及び現金同等物の中間期末残高1,211,264

1,654,365

Note: The amounts are rounded down to the nearest million.

-8-5.Segment Information
The Companies are principally engaged in the banking business and also leasing business and other financial services.The reportable segments of the
Bank are the segments for which separate financial information is available,and are subject to periodic review by the chief operating decision maker todetermine the allocation of management resources and assess peformance.
Since the reportable segments of the Companies consist only of the “Banking”segment and since the“Other”segment is immaterial,segment
information is omitted.

-9-Ⅱ.Interim Non-consolidated Information

1.Interim Non-consolidated Balance Sheets (Parent Company)
Item
Assets:

科目(Japanese)(Millions of Yen)

As of
MAR.31, 2021

As of
SEP.30, 2021

（資産の部）Cash and due from banks

現金預け金Dept purchased

1,371,811

1,668,804

買入金銭債権

4,000

4,000

Trading account securities

商品有価証券

20,627

21,271

Money held in trust

金銭の信託

108,901

111,329

Investment securities

有価証券

3,116,003

3,131,578

Loans and bills discounted

貸出金

5,097,480

5,156,626

Foreign exchange assets

外国為替

5,865

6,424

Other assets

その他資産

73,142

66,463

Tangible fixed assets

有形固定資産32,95532,037

Intangible fixed assets

無形固定資産258

260

Customers' liabilities for acceptances andguarantees

支払承諾見返43,73538,643

Reserve for loan losses

貸倒引当金(56,855)(57,797)

Total assets

資産の部合計9,817,924

10,179,642

Note: The amounts are rounded down to the nearest million.

- 10 -

(Millions of Yen)
科目
(Japanese)

Item
Liabilities:

As of
MAR.31, 2021

As of
SEP.30, 2021

（負債の部）

Deposits

預金

Negotiable certificates of deposit

譲渡性預金

8,327,229

8,244,792

224,460

253,900

Payables under securities lending transactions 債券貸借取引受入担保金

25,8691,201

Borrowed money

借用金597,205

1,019,761

Foreign exchange liabilities

外国為替

155

74

Other liabilities

その他負債

61,76965,776

Income tax payable

未払法人税等964

2,790

Lease obligations

リース債務

49

36

asset retirement obligations

資産除去債務

667

631

Other

その他の負債

60,08762,317

Liability for bonus for directors and corporate
auditors

役員賞与引当金49－

Liability for employees' retirement benefits

退職給付引当金

9,389

9,000

株式給付引当金

817

807

Reserve for reimbursement of deposits

睡眠預金払戻損失引当金

311

282

Reserve for contingent losses

偶発損失引当金

804

779

Deferred tax liabilities

繰延税金負債

24,33027,534

Acceptances and guarantees

支払承諾43,73538,643

9,316,127

9,662,554

Total liabilities

負債の部合計Net assets:(純資産の部)

Common stock

資本金24,65824,658

Capital surplus

資本剰余金

8,937

8,496

Legal capital surplus

資本準備金

7,835

7,835

Other capital surplus

その他資本剰余金

1,102

661

利益剰余金

368,623

378,603

Legal retained earnings

利益準備金24,65824,658Other retained earnings

その他利益剰余金

343,965

353,944687

678

Retained earnings

Reserve for advanced depreciation of
noncurrent assets

固定資産圧縮積立金

General reserve

別途積立金

326,305

337,305

Retained earnings brought forward

繰越利益剰余金

16,972

15,961

Treasury stock

自己株式(6,132)(5,603)

Total stockholders' equity

株主資本合計396,087

406,154

Unrealized gains on available-for-salesecurities
Deferred gain (loss) on derivatives underhedge accounting

その他有価証券
評価差額金

106,085

111,226

繰延ヘッジ損益

(375)

(292)

Total valuation and translation adjustments

評価・換算差額等合計

105,709110,933

Total net assets

純資産の部合計

501,797

517,087

Total liabilities, and net assets

負債及び純資産の部合計

9,817,924

10,179,642

Note: The amounts are rounded down to the nearest million.

- 11 -

2.Interim Non-consolidated Statements of Income (Parent Company)(Millions of Yen)

Item

科目
（Japanese）

For the six
months ended
SEP.30, 2020

For the six
months ended
SEP.30, 2021

Ordinary income

経常収益50,06555,215Interest income

資金運用収益34,88538,056[Interest on loans and discounts][うち貸出金利息][20,711 ] [20,947 ][Interest and dividends on trading
account and investment securities][うち有価証券利息配
当金][13,990 ] [16,705 ]Fees and commissions

役務取引等収益

7,854

9,330

Other operating income

その他業務収益615

552

Other income

その他経常収益

6,710

7,275

Ordinary expenses

経常費用

39,44337,690Interest expenses

資金調達費用817

295[Interest on deposits][うち預金利息]

192 ] [

82 ]Fees and commissions

役務取引等費用

3,686

2,953

Other operating expenses

その他業務費用

1,364

6,187

General and administrative expenses

営業経費

26,19925,579Other expenses

その他経常費用

7,375

2,674

Ordinary profits

経常利益

10,622

17,524Extraordinary income

特別利益

－

－

Extraordinary loss

特別損失

146

421

Income before income taxes

税引前中間純利益

10,476

17,103

Income taxes - current

法人税、住民税
及び事業税

3,193

4,980

Income taxes - deferred

法人税等調整額

(128)

285

Total income taxes

法人税等合計

3,065

5,266

Net income

中間純利益

7,411

11,836

Note: The amounts are rounded down to the nearest million.

- 12 -[

3.Interim Non-consolidated Statements of Changes in Net Assets (Parent Company)

For the six months ended Sep.30,2020(from April 1, 2020 to September 30, 2020)(Millions of Yen)
Stockholders' equity
Capital surplus

Retained earnings
Other retained earnings

Commonstock
Item（Japanese)

Other
capitalsurplusLegalcapitalsurplusTotal
capitalsurplusLegalretainedearnings

Reserve foradvanceddepreciationof noncurrent
assetsGeneralreserve

Retainedearnings
brought
forwardTotal
retainedearnings

株主資本
資本剰余金
資本金
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reser‐ve
固定資産圧縮積立金のfor advanced
取崩depreciation ofProvision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period

24,658

利益剰余金
その他利益剰余金

資本準備金

その他
資本剰余金

資本剰余金
合計

利益準備金

固定資産
圧縮積立金

別途積立金

繰越利益
剰余金

7,835

1,102

8,937

24,658708

312,805

19,230357,402(1,856)(1,856)

10－(13,500)

－

7,411

7,411

(10)
13,500

中間純利益

利益剰余金
合計

自己株式の取得
自己株式の処分
株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高

－

－

－

－

－

(10)

13,500(7,935)

5,554

24,658

7,835

1,102

8,937

24,658697

326,305

11,295362,957

Note: The amounts are rounded down to the nearest million.

- 13 -

(Millions of Yen)
Stockholders' equity

Item（Japanese)

Treasurystock

Valuation and translation adjustments

Deferred gain
Total
Unrealized gain on
Total valuation
on derivatives
stockholders' available-for-saleand translation
under hedge
equitysecurities
adjustments
accounting

株主資本
自己株式
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reserve for
固定資産圧縮積立金のadvanced depreciation
取崩of noncurrent assets
Provision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period(6,200)Total net
assets

評価・換算差額等

株主資本合計

その他有価証券
評価差額金

384,798

55,917

繰延ヘッジ
損益
(826)

評価・換算
差額等合計
55,091

純資産合計
439,889(1,856)(1,856)

－

－

－

－

7,411

7,411

自己株式の取得

（0）

（0）

（0）

自己株式の処分

70

70

70

中間純利益

株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高

17,418211

17,63017,63069

5,624

17,418211

17,63023,254(6,130)390,42273,336(615)

72,721

463,144

Note: The amounts are rounded down to the nearest million.

- 14 -

For the six months ended Sep.30,2021(from April 1, 2021 to September 30, 2021)(Millions of Yen)
Stockholders' equity
Capital surplus

Retained earnings
Other retained earnings

Commonstock
Item（Japanese)

Other
capitalsurplusLegalcapitalsurplusTotal
capitalsurplusLegalretainedearnings

Reserve foradvanceddepreciationof noncurrent
assetsGeneralreserve

Retainedearnings
brought
forwardTotal
retainedearnings

株主資本
資本剰余金
資本金
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reser‐ve
固定資産圧縮積立金のfor advanced
取崩depreciation ofProvision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period

24,658

利益剰余金
その他利益剰余金

資本準備金

その他
資本剰余金

資本剰余金
合計

利益準備金

固定資産
圧縮積立金

別途積立金

繰越利益
剰余金

7,835

1,102

8,937

24,658687

326,305

16,972368,623(1,856)(1,856)

9－(11,000)－

11,836

11,836(9)
11,000

中間純利益

利益剰余金
合計

自己株式の取得
自己株式の処分

(441)

(441)

株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高

－

－

(441)

(441)

－

(9)

11,000(1,010)9,979

24,658

7,835

661

8,496

24,658678

337,305

15,961

378,603

Note: The amounts are rounded down to the nearest million.

- 15 -

(Millions of Yen)
Stockholders' equity

Item（Japanese)

Treasurystock

Valuation and translation adjustments

Deferred gain
Total
Unrealized gain on
Total valuation
on derivatives
stockholders' available-for-saleand translation
under hedge
equitysecurities
adjustments
accounting

株主資本
自己株式
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reserve for
固定資産圧縮積立金のadvanced depreciation
取崩of noncurrent assets
Provision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period(6,132)

Total net
assets

評価・換算差額等

株主資本合計

その他有価証券
評価差額金

396,087

106,085

繰延ヘッジ
損益
(375)

評価・換算
差額等合計
105,709

純資産合計
501,797(1,856)(1,856)

－

－

－

－

11,836

11,836

自己株式の取得

(514)

(514)

(514)

自己株式の処分

1,042

601

601

中間純利益

株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高

5,141

82

5,223

5,223

528

10,066

5,141

82

5,223

15,290(5,603)406,154

111,226(292)

110,933

517,087

Note: The amounts are rounded down to the nearest million.

- 16 -

Ⅲ.Explanatory Materials to Interim Financial Report
1.Interim Financial Data
A. Interest Margin(％)

【Non-consolidated】(Japanese)

For the six months
ended Sep.30,2021(A)-(B)(A)(1) Fund management yield(B)

For FY 2020
ended
Mar.31,2021

資金運用利回

0.80

0.01

0.79

0.80

Loans and bills discounted interest
rate

貸出金利回

0.82

(0.01)

0.83

0.83

Securities interest rate

有価証券利回

1.11

0.14

0.97

1.01

資金調達原価0.54(0.07)

0.61

0.59

預金等利回

0.00

0.00

0.00

0.00

総資金利鞘

0.26

0.08

0.18

0.21

(2) Funding cost(A)

For the six
monthsended Sep.30,2020(B)

Deposits and certificates of depositinterest rate(3) Net interest margin (A)-(B)(％)（Ref.）Interest margin（Domestic operations）【Non-consolidated】(Japanese)(A)-(B)(A)(1) Fund management yield(B)

For FY 2020
ended
Mar.31,2021

資金運用利回

0.78

0.01

0.77

0.78

Loans and bills discounted interest
rate

貸出金利回

0.82

0.00

0.82

0.83

Securities interest rate

有価証券利回

1.11

0.17

0.94

1.00

資金調達原価0.53(0.06)

0.59

0.58

預金等利回

0.00

0.00

0.00

0.00

総資金利鞘

0.25

0.07

0.18

0.20

(2) Funding cost(A)

For the six
monthsended Sep.30,2020

For the six months
ended Sep.30,2021(B)

Deposits and certificates of depositinterest rate(3) Net interest margin (A)-(B)B. Gains or Losses of Securities(Millions of Yen)

【Non-consolidated】(Japanese)

For the six months
ended Sep.30,2021(A)-(B)(A)
Gains (losses) on bonds

国債等債券損益For the six
monthsended Sep.30,2020(B)

For FY 2020
ended
Mar.31,2021(5,918)(5,461)(457)(12,730)

Gains on sales

売却益

153

(81)

234

404

Gains on maturity

償還益

－

－

－

－

Losses on sales

売却損

1,648

1,647

1

109

Losses on maturity

償還損

4,404

3,734

670

12,905

Write-off

償却

19

(1)

20

119

株式等関係損益

5,489

3,536

1,953

10,741

Gains on sales

売却益

5,503

2,704

2,799

11,836

Losses on sales

売却損

－

(843)

843

1,093

Write-off

償却

14

13

1

1

Gains (losses) on stocks- 17 -

C. Capital Adequacy Ratio【Consolidated】（Domestic Standard）(Millions of Yen)
(Japanese)

As of SEP.30, 2021
(A)

MAR.31, 2021
(A)-(B)(B)(1) Capital adequacy ratio

自己資本比率10.38%(0.01%)

10.39%(2) Basic items related to core capital

コア資本に係る基礎項目

451,907

12,679439,228(3) Adjustments related to core capital

コア資本に係る調整項目

229

(10)

239

(4) Total capital (2)-(3)

自己資本451,678

12,690438,988(5) Risk-adjusted assets

リスクアセット

4,349,837

124,915

4,224,922【Non-consolidated】（Domestic Standard）(Millions of Yen)
(Japanese)

As of SEP.30, 2021
(A)

MAR.31, 2021
(A)-(B)(B)(1) Capital adequacy ratio

自己資本比率10.13%(0.01%)

10.14%(2) Basic items related to core capital

コア資本に係る基礎項目

437,307

11,911

425,396(3) Adjustments related to core capital

コア資本に係る調整項目

182

1

181

(4) Total capital (2)-(3)

自己資本437,125

11,910425,215(5) Risk-adjusted assets

リスクアセット

4,314,256

123,442

4,190,814- 18 -

2.Condition of Loans Portfolio
A. Risk-monitored Loans
Partly direct write-off : Not applicableStandard for not appropriating accrued interest : All the accrued interest to borrowers in "Legalbankruptcy", "Virtual bankruptcy" and "Possible bankruptcy" based on self credit
assessments is not appropriated.
Loans to borrowers belonging to the above classifications, regardless of the accrued
interest, are classified as "Loans to borrowers under bankruptcy" or "Past due loans".
(Millions of Yen)

【Non-consolidated】(Japanese)

As of SEP.30, 2021
(A)

MAR.31, 2021 SEP.30, 2020
(A)-(B)(A)-(C)(B)(C)

Loans to borrowers under bankruptcy

破綻先債権額

2,373

(647)

(6,662)

3,020

9,035

Past due loans

延滞債権額

72,779

(560)

1,168

73,33971,611

Accruing loans contractually past due
three months or more

３カ月以上延滞債権額

1,480

448

(82)

1,032

1,562

Restructured loans

貸出条件緩和債権額

33,317(152)882

33,46932,435

合計

109,951(911)(4,693)110,862

114,644

貸出金残高(末残）5,156,626

59,146

220,965

5,097,480

4,935,661

Total
Loans and bills discounted(％)= Percentage of total loans and bills discounted =Loans to borrowers under bankruptcy

破綻先債権額0.04(0.01)(0.14)

0.05

0.18

Past due loans

延滞債権額

1.41

(0.02)(0.04)

1.43

1.45

Accruing loans contractually past due
three months or more

３カ月以上延滞債権額

0.02

0.00

(0.01)

0.02

0.03

Restructured loans

貸出条件緩和債権額

0.64(0.01)(0.01)

0.65

0.65

合計

2.13

(0.04)(0.19)

2.17

2.32

Total

(Million of Yen，％)(Ref.) In case of applying partly direct write-off(Japanese)

As of SEP.30, 2021
(A)

MAR.31, 2021 SEP.30, 2020
(A)-(C)(B)(C)

Amount of partly direct write-off

部分直接償却額

7,944(A)-(B)(509)(6,975)

8,453

14,919Total of risk-monitored loans

リスク管理債権額合計

102,007

(401)

2,282

102,408

99,725Loans and bills discounted

貸出金残高(末残）5,148,681

59,655

227,939

5,089,026

4,920,742

Percentage of total loans

貸出金残高比1.98(0.03)(0.04)

2.01

2.02(Millions of Yen)

【Consolidated】(Japanese)

As of SEP.30, 2021

MAR.31, 2021 SEP.30, 2020
(B)

(C)

Loans to borrowers under bankruptcy

破綻先債権額

2,606

(685)

(6,720)

3,291

9,326

Past due loans

延滞債権額

73,610

(578)

1,009

74,18872,601

Accruing loans contractually past due
three months or more

３カ月以上延滞債権額

1,480

448

(82)

1,032

1,562

Restructured loans

貸出条件緩和債権額

33,326(150)882

33,47632,444

合計

111,023(966)(4,912)111,989

115,935

貸出金残高(末残）5,147,291

58,721

219,661

5,088,570

4,927,630

Total
Loans and bills discounted(A)(A)-(B)(A)-(C)(％)= Percentage of total loans and bills discounted =Loans to borrowers under bankruptcy

破綻先債権額0.05(0.01)(0.13)

0.06

0.18

Past due loans

延滞債権額

1.43

(0.02)(0.04)

1.45

1.47

Accruing loans contractually past due
three months or more

３カ月以上延滞債権額

0.02

0.00

(0.01)

0.02

0.03

Restructured loans

貸出条件緩和債権額

0.64(0.01)(0.01)

0.65

0.65

合計

2.15

(0.05)(0.20)

2.20

2.35

Total

- 19 -

B. Reserve for Loan Losses(1) Write-off and Reserve Standard
a．General Reserve

Claims on normal debtors

Claims on
debtors
undercautionClaims on debtors undercaution, other than specialmentioned
Claims on special-mentioned
debtors under caution

Reserve Standard(Japanese)

Classifications

正常先債権

Amounts are booked in general loan loss reserves based on the actual
loan-loss ratio for the last two years

要管理先以外の要注意先債権Amounts are booked in general loan loss reserves based on the actual
loan-loss ratio for the last two years

要管理先債権Amounts are booked in general loan loss reserves based on the actual
loan-loss ratio for the last three years.
In addition, for borrowers that exceed credit limits, amounts are booked
in general loan loss reserves based on the discounted cash flow method.

b. Special Reserve
Classifications

Claims on debtors under possible
bankruptcy

Write-off and Reserve Standard(Japanese)

For loans not secured by collateral or guarantees, amounts aretransferred to special loan loss reserves based on the actual loan-loss
ratio for the last three years.
In addition, for borrowers that exceed credit limits, amounts aretransferred to special loan loss reserves based on the discounted cash
flow method.

破綻懸念先債権

Claims on debtors under virtual bankruptcy 実質破綻先債権
Claims on debtors under legal bankruptcy

All loans not secured by collateral or guarantees are transferred to thespecial loan loss reserve or written off.

破綻先債権

(2) Conditions of Reserve for Possible Loan Losses【Non-consolidated】(Millions of Yen)
As of SEP.30, 2021

(Japanese)
Reserve for Loan losses

MAR.31, 2021 SEP.30, 2020
(A)-(B)(A)(A)-(C)

(B)

(C)

貸倒引当金

57,797942(4,865)56,85562,662

General reserve

一般貸倒引当金

32,427

2,066

2,010

30,36130,417

Special reserve

個別貸倒引当金

25,370(1,124)(6,874)

26,49432,244

Special reserve for loans to certain
countries

特定海外債権引当勘定

－

－

－

－

－

(Millions of Yen)

【Consolidated】(Japanese)
Reserve for Loan losses

MAR.31, 2021 SEP.30, 2020

As of SEP.30, 2021
(A)(A)-(B)(A)-(C)

(B)

(C)

貸倒引当金

62,203847(5,392)

61,356

67,595General reserve

一般貸倒引当金

35,147

2,023

1,846

33,12433,301

Special reserve

個別貸倒引当金

27,055(1,176)(7,238)28,231

34,293Special reserve for loans to certain
countries

特定海外債権引当勘定

－

－

－

－

－

- 20 -

C. Loans by Industry(Millions of Yen)

【Non-consolidated】(Japanese)
Domestic offices
国内店分（Excluding Japan offshore (除く特別国際金融取引勘定分)
banking accounts）

As of SEP.30, 2021
(A)

MAR.31, 2021 SEP.30, 2020
(A)-(B)(A)-(C)(B)(C)

5,156,626

59,146

220,965

5,097,480

4,935,661

426,928(16,773)(41,841)

443,701

468,769

Agriculture and Forestry 農業、林業

7,188

394

582

6,794

6,606

Fishery

4,391

185

(542)

4,206

4,933

2,935

(109)

(163)

3,044

3,098

Construction companies 建設業

159,899(6,501)

5,068

166,400

154,831

Utilities

229,601

14,152

17,812

215,449

211,789

情報通信業

21,183419(278)

20,764

21,461

運輸業、郵便業

117,640(5,820)4,684

123,460

112,956

Wholesale and retail

卸売業、小売業

428,803

20,58024,074408,223

404,729

Financial institutions

金融業、保険業

388,494

20,13874,787368,356

313,707

Real estate and goods
rental and leasing

不動産業、物品賃貸業

1,128,484

22,64567,601

1,105,839

1,060,883

Services,N.E.C.

その他ｻｰﾋﾞｽ業

366,348

2,582

10,802363,766

355,546

Municipalities

地方公共団体644,439(11,253)

14,621

655,692

629,818

Other

その他

1,230,285

18,50443,755

1,211,781

1,186,530

Manufacturing

製造業

漁業

Mining and quarrying of
鉱業、採石業、砂利採取業
stone and gravel

Information andcommunications
Transport and postal
activities

電気･ガス･熱供給･水道業

D. Risk-monitored Loans by Industry(Millions of Yen)

【Non-consolidated】(Japanese)
Domestic offices
国内店分（Excluding Japan offshore (除く特別国際金融取引勘定分)
banking accounts）

As of SEP.30, 2021
(A)

MAR.31, 2021 SEP.30, 2020
(A)-(B)(A)-(C)(B)(C)

109,951(911)(4,693)110,862

114,644

14,911

345(6,259)14,566

21,170Agriculture and Forestry 農業、林業

731

(9)

16

740

715

Fishery

816

82

268

734

548

52

(9)

(17)

61

69

6,894

(215)

(85)

7,109

6,979

660

(5)

(37)

665

697

情報通信業

1,600

68

88

1,532

1,512

運輸業、郵便業

2,305

720

651

1,585

1,654

Wholesale and retail

卸売業、小売業

29,722871

3,964

28,85125,758Financial institutions

金融業、保険業

308

(17)

(95)

325

403

Real estate and goods
rental and leasing

不動産業、物品賃貸業

10,353(1,720)(1,424)

12,073

11,777

Services,N.E.C.

その他ｻｰﾋﾞｽ業

31,355(1,011)(1,360)32,36632,715

Municipalities

地方公共団体

－

－

－

－

－

Other

その他

10,239(9)(400)

10,248

10,639Manufacturing

製造業

漁業

Mining and quarrying of
鉱業、採石業、砂利採取業
stone and gravel
Construction companies 建設業
Utilities
Information andcommunications
Transport and postal
activities

電気･ガス･熱供給･水道業- 21 -

E. Loans to Consumers(Millions of Yen)

【Non-consolidated】(Japanese)
Consumer loans

As of SEP.30, 2021
(A)

MAR.31, 2021 SEP.30, 2020

(A)-(B)(A)-(C)(B)(C)

消費者ﾛｰﾝ残高

1,231,761

15,34538,855

1,216,416

1,192,906

Housing loans

うち住宅ローン残高

1,173,663

15,86538,412

1,157,798

1,135,251

Other consumer loans

うちその他ローン残高

58,098(520)

444

58,61857,654

F. Loans to Small & Medium-sized Companies and to Consumers(％)

【Non-consolidated】(Japanese)
Percentage of total loans

中小企業等貸出比率

As of SEP.30, 2021
(A)
63.56

- 22 -

MAR.31, 2021 SEP.30, 2020

(A)-(B)
0.37(A)-(C)
0.69

(B)
63.19

(C)
62.87

3.Condition of Securities Portfolio
A. Appraisal Standard for Investment Securities
Market value method (unrealized gains/losses are recorded in
profit and loss)

時価法(評価差額を損益処理)

Depreciation cost method

償却原価法

Market value method (unrealized gains/losses are included instockholders' equity)

時価法(評価差額を全部純資産直入)Held-to-maturity securities

売買目的
有価証券
満期保有目的
有価証券

Other investment securities

その他有価証券

Subsidiary and affiliate stocks

子会社株式及びCost method
関連会社株式

Available-for-sale securities

原価法（Ref.）Securities in money held in trust
Money held in trust for investing

運用目的の
金銭の信託

Other money held in trust

その他の
金銭の信託

Market value method (unrealized gains/losses are recorded in
profit and loss)
Market value method (unrealized gains/losses are included instockholders' equity)

時価法(評価差額を損益処理)
時価法(評価差額を全部純資産直入)

B. Unrealized Gains or Losses of Investment Securities(Millions of Yen)

【Consolidated】
As of SEP.30, 2021

As of MAR.31, 2021
Unrealized gains (losses)

Unrealized gains (losses)(Japanese)(A)(A)-(B)

Gains

Losses

評価損益
対比Held-to-maturity

満期保有目的(0)

1

Other investment

その他有価証券150,737

6,994

Stocks株式79,259

2,350

Bonds

債券

5,101

710

Other

(B)

Gains

Losses

評価損益
評価益

評価損

評価益

評価損

－

0

(1)

－

1

164,100

13,362

143,743

165,084

21,34180,795

1,536

76,90978,064

1,155

7,873

2,772

4,391

9,093

4,702

その他

66,377

3,935

75,431

9,054

62,442

77,926

15,484

合計

150,737

6,996

164,100

13,363

143,741

165,084

21,343

Stocks株式79,2592,350

80,795

1,536

76,90978,064

1,155

Bonds

債券

5,100

711

7,873

2,772

4,389

9,093

4,703

Other

その他

66,377

3,935

75,431

9,054

62,442

77,926

15,484Total

Note: 1. Since "Other investment" is valued using the market value method, the difference between the carrying amount in theInterim Consolidated Balance Sheets and the acquisition cost is recorded in the above table.
2. Valuation of "Other investment" is based on the market value at the end of the interim period.
(Millions of Yen)

【Non-consolidated】
As of SEP.30, 2021

As of MAR.31, 2021
Unrealized gains (losses)

Unrealized gains (losses)(Japanese)(A)(A)-(B)

Gains

Losses(B)

Gains

Losses

評価益

評価損

評価損益

評価損益
対比

評価益

評価損

Held-to-maturity

満期保有目的

－

－

－

－

－

－

－

Other investment

その他有価証券149,581

6,947

162,943

13,362

142,634

163,975

21,341

Stocks

株式78,102

2,302

79,6391,536

75,80076,956

1,155

Bonds

債券

5,101

710

7,873

2,772

4,391

9,093

4,702

Other

その他

66,377

3,935

75,431

9,054

62,442

77,926

15,484

Total

合計

149,581

6,947

162,943

13,362

142,634

163,975

21,341

株式78,102

2,302

79,6391,536

75,80076,956

1,155

Bonds

債券

5,101

710

7,873

2,772

4,391

9,093

4,702

Other

その他

66,377

3,935

75,431

9,054

62,442

77,926

15,484

StocksNote: 1. Since "Other investment" is valued using the market value method, the difference between the carrying amount in theInterim Non-consolidated Balance Sheets and the acquisition cost is recorded in the above table.
2. Valuation of "Other investment" is based on the market value at the end of the interim period.

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