Corporate Data

As of September 30, 2005

Date of Establishment

October 19, 1895

Head Office

23, Tohriyoko-cho, Numazu, Shizuoka, Japan

Number of Branches and Offices

Domestic: 119

Paid-in Capital

30,043 million yen

Mt. Fuji

The Greater Tokyo Area

Kanagawa

Shizuoka
Numazu(Head Office)

Major markets
Shizuoka Prefecture
Kanagawa Prefecture
The Greater Tokyo Area

Contents
Review of Operations (Non-consolidated)
Gross Operating Income
Expenses & OHR (Overhead Ratio)
Net Operating Income & Core Net Operating Income
Ordinary Profit & Net Income
Loan Balance & Yield on Outstanding Domestic Loans
Consumer Loans
Deposits & Yield on Domestic Deposits
Interest Margin between Loans and Deposits & Net Interest Margin
Owned Capital & Capital Adequacy Ratio (Domestic Standard)
Status of Tier I and Deferred Tax Assets

1

Status of Non-Performing Loans
Balance and Ratio of Loans Disclosed under the Financial
Rehabilitation Law
Actual Credit Cost
Disclosure of Problem Assets

6

Financial Section (Preliminary figures)Consolidated Balance Sheets
Consolidated Statements of Income
Consolidated Statements of Stockholders’ Equity
Non-Consolidated Balance Sheets
Non-Consolidated Statements of Income

8Review of Operations (Non-consolidated)
The Company’s results for this period are shown below.

Gross Operating Income

Gross Operating Income
36.2
33.4

33.7

1H 2003

1H 2004

29.4(Billions of yen)

1H 2002

1H 2005(FY)

The gross operating income indicates the Bank’s
earnings from basic banking operations. This figure
comprises three elements: “Net Interest Income,”
which is based on interest payments on loans; “Net
Fees and Commissions”; and “Other Operating
Income,” which includes proceeds from foreigntransactions. Thanks to an increase in net interest
income due to steady growth in consumer loans, aswell as the growth in sales of investment trusts asinvestment vehicles for individuals’ assets due toincreased marketing effort, Suruga Bank’s grossoperating income for the reporting six-month
period increased by ¥2.5 billion over the same
period of the previous year, to ¥36.2 billion.

Expenses & OHR (Overhead Ratio)

Expenses & OHR (Overhead Ratio)
Total 18.7

Total 18.5

Total 18.3

Total 18.5

1.1

1.0

1.2

1.2

10.2

10.1

10.4

The OHR (overhead ratio), an efficiency indicator,
improved 3.2 point year on year to 51.1%, on theincrease in gross operating income.

63.4
10.4

55.5
54.3
7.1

7.2

6.9

6.8
51.1

(Billions of yen)

1H 2002

1H 2003

1H 2004

1H 2005(FY)

OHR (Overhead Ratio) = Expenses / Gross operating income
Personnel expenses
Non-personnel expenses
Taxes
OHR (%)

1

Review of Operations

Net Operating Income & Core Net Operating Income

Net operating income refers to what is referred to“Operating profit” in the financial statements ofordinary companies. Core net operating income isnet operating income plus the general reserve forpossible loan losses, after deduction of net
proceeds from bond-related transactions.
Core net operating income for the reporting
period increased by ¥1.5 billion year-on-year,
principally as a result of an increase on core grossoperating income. Net operating income registereda year-on-year growth of ¥1.7 billion.

18.7

14.1

14.5

15.3

16.3 16.9

10.8 11.0(Billions of yen)

1H 2002

1H 2003

1H 2004

1H 2005

Net Operating Income &Core Net Operating Income(FY)

Net operating income = Gross operating income - Expenses - Transfer to general reserve for possible loan losses
Core net operating income = Net operating income (before transfer to general reserve for possible loan losses)- Proceeds from bonds, including JGBs (5 accounts)
Net operating income
Core net operating income

Ordinary Profit & Net Income

Ordinary Profit & Net Income

As a result of ¥1.7 billion increase in net operating
income, as well as a ¥0.5 billion improvement in
the Other Income/Expenses account, ordinary
profit posted a year-on-year growth of ¥2.3 billion.
Net income for the six-month period was up by¥2.1 billion over the same period of the previous
year, as a result of the growth in ordinary profit anda ¥0.4 billion decrease in extraordinary losses.

10.1
8.6
7.8
6.0

6.7
5.6
4.6

4.6

1H 2003

1H 2004(Billions of yen)

1H 2002
Ordinary profit
Net income

2

1H 2005(FY)Loan Balance & Yield on Outstanding Domestic Loans
2,028.2

2,043.3

2,092.6

Loan Balance & Yield on Outstanding
Domestic Loans
As a result of our sales push targeted at
individuals and small-to-medium-sized enterprises,
the Bank’s term-end loan balance increased by¥58.8 billion to ¥2,151.4 billion. The yield on
outstanding domestic loans was 3.20%, up 0.03
percentage point year-on-year.

2,151.4

3.20
3.17
3.15

3.07

(Billions of yen)

1H 2002

1H 2003

1H 2004

1H 2005(FY)

Loan balance
Yield on outstanding domestic loans (%)

Consumer Loans

Consumer Loans

1,237.6
1,067.1

1,329.0
1,159.0

1,418.7
1,251.2

The term-end balance of consumer loans
increased by ¥106.0 billion to ¥1,524.8 billion. The
proportion of consumer loans as a percentage of allloans was up 3.0 percentage points at 70.8%.

1,524.8
1,343.6

70.8
67.8
65.0

(Billions of yen)

61.0
1H 2002

1H 2003

1H 2004

1H 2005(FY)

Consumer loans (represents proportion of mortgage loans)
Yield on consumer loans (%)

3

Review of Operations

Deposits & Yield on Domestic Deposits

Deposits & Yield on Domestic Deposits
2,687.7

2,606.5

2,703.8

2,774.3

0.08

0.09

1,893.8

1,849.9

1,783.9

1,948.2

0.05
0.04

The balance of deposits at the end of the sixmonth period stood at ¥2,774.3 billion, a year-onyear increase of ¥70.5 billion. This rise was due
chiefly to an increase in deposits from individuals.
Deposits from individuals continued to growsmoothly even after the ending of unlimited
guarantees on all bank deposits in April 2005, andthe balance of individuals’ deposits came to¥1,948.2 billion, representing a year-on-year growthof ¥54.4 billion.

(Billions of yen)

1H 2002
Deposits (1H 2003

1H 2004

1H 2005(FY)

Deposits from individuals)

Yield on domestic deposits (%)

Interest Margin between Loans and Deposits & Net Interest Margin

1.72

1.80

The interest margin between loans and deposits is
calculated by subtracting the yield on deposits andthe expense ratio from the yield on outstandingloans. The net interest margin indicates thedifference between the yield on total managed funds
and total procured funds. Due to our continued
focus on the promotion of loans to the retail sector
where there is a high interest margin, especially on
consumer loans, the interest margin between loans
and deposits (domestic) recorded a year-on-yearincrease of 0.03 percentage point to 1.83%.

1.86
1.83

1.59
1.70
1.53

1.59

0.96
0.71

1.01

0.80

(%)

1H 2002

1H 2003

1H 2004

Interest margin between loans and deposits
Interest margin between loans and deposits (Domestic)
Net interest margin4

1H 2005

Interest Margin between Loans andDeposits & Net Interest Margin(FY)Owned Capital & Capital Adequacy Ratio (Domestic Standard)

The Bank’s owned capital comprises the Tier I
capital (including its capital stock, surpluses, andreserves) and Tier II capital (including the generalreserve for possible loan losses). With an increase
in internal reserves, the Bank’s capital adequacy
ratio at the end of this six-month period increasedstood at 10.32%, up 0.57 percentage point year-onyear. Only the maximum amount for the reserve forpossible loan losses is recorded as a Tier II item inour statements, with qualifying capital and gains on
the revaluation of land not recorded.

152.8
141.3
129.8

125.9

10.32
9.75
8.93
8.54

9.70

9.14

8.32

7.93
(Billions of yen)

1H 2002

1H 2003

1H 2004

1H 2005

Owned Capital & Capital Adequacy Ratio(Domestic Standard)(FY)

Capital adequacy ratio = [Owned Capital (Basic items + Supplementary items) /Risk assets] X 100
Tier I capital adequacy ratio = [Owned Capital (Basic items: Tier I) /Risk assets] X 100
Owned capital
Capital adequacy ratio (%)
Tier I capital adequacy ratio (%)

Status of Tier I and Deferred Tax Assets

Status of Tier I and Deferred Tax Assets
44.0

As a result of a ¥11.2 billion increase in Tier I
capital and a ¥7.8 billion decrease in deferred tax
assets, the ratio of deferred tax assets to Tier I
capital fell 7.5 points to 18.1%, showing qualitative
improvement in capital adequacy. A figure isrecorded for deferred tax assets that represents
anticipated future returns on taxes already paid.

143.8
132.5

116.9

120.9
36.9

25.6

51.5

44.6
34.0

26.1
18.1

(Billions of yen)

1H 2002

1H 2003

1H 2004

1H 2005(FY)

Tier I
Deferred tax assets
Deferred tax assets/Tier I (%)

5

Status of Non-Performing Loans

Balance and Ratio of Loans Disclosed under the Financial Rehabilitation Law
Total 193.5
25.8
9.45

Total 161.6
31.0

91.7

Total 152.8
28.5

7.84
7.23
66.8

75.9

63.6

71.1

Total 118.1
19.1
48.8
5.44

53.0

50.1

1H 2004

1H 2005(Billions of yen)

1H 2002

1H 2003(FY)

Balance and Ratio of Loans Disclosed
under the Financial Rehabilitation Law
The non-consolidated balance of loans disclosed
in accordance with the disclosure standards
provided for under the Financial Rehabilitation Law
decreased ¥34.7 billion year-on-year to ¥118.1
billion at the end of the reporting period. Of thistotal, Bankrupt and substantially bankrupt claims
accounted for ¥19.1 billion, Doubtful claims
accounted for ¥48.8 billion, and Substandard claims
amounted to ¥50.1 billion of the total. The ratio ofclaims subject to mandatory disclosure to total
extended credit was down 1.79 of a percentage
point year-on-year to 5.44% at the end of thereporting period.

Ratio of loans disclosed under the Financial Rehabilitation Law = Balance of loans disclosed/Total extended credit
Substandard claims
Doubtful claims
Bankrupt and substantially bankrupt claims
Ratio of loans disclosed under the Financial Rehabilitation Law (%)

Actual Credit Cost

Actual Credit Cost
6.5

6.7

0.64

0.64

1H 2004

1H 2005

Actual credit cost for first half of fiscal 2005
increased ¥0.1 billion over the same period of theprevious year, to stand at ¥6.7 billion, as a result of
the accelerated disposal of non-performing loans.
Credit costs accounted for 0.64% of the averageloan balance, unchanged from the corresponding
period of the previous year.

5.8
4.8
0.57
0.48

(Billions of yen)

1H 2002

1H 2003(FY)

Actual credit cost = transfer to general reserve + amount for non-performing loan disposal - collection of claims written off
Ratio of actual credit cost to average loan balance = actual credit cost divided by average loan balance
Actual credit cost
Ratio of actual credit cost to average loan balance (%)

6

(As of September 30, 2005)

Dis c lo sure of Problem Assets(Billions of yen)Classification under Self-Assessment
Target: Total balance of extended credit

Legally bankrupt borrowers

Problem Assets Based on the Financial Rehabilitation Law
Target: Total balance of extended credit, except substandard
claims(only loans are counted in.)

Borrowers requiring caution

Potentially bankrupt borrowers

19.1

48.8

Doubtful Claims

Substandard Claims

48.8

50.1

171.6

Sub-total

118.1

Normal borrowers

1,859.7

Normal assets

2,052.7

Total

2,170.8

Total

2,170.8

Total balance of extended credit: Loans, Customers’ Liabilities for Acceptances and Guarantees, Foreign exchange, Securities loaned, Suspense payments on loans, Accrued loan interests.

Classifications of Borrowers under Self-Assessment
Legally bankrupt borrowers:

Borrowers who have been legally or formally declared bankrupt.

Substantially bankrupt borrowers:

Borrowers who have not been legally or formally declared bankrupt, but
who are suffering from serious management difficulties with no prospectof revitalization, and are therefore substantially bankrupt.

Potentially bankrupt borrowers:

Borrowers who are not bankrupt, but who are suffering frommanagement difficulties, who have not made progress with business
improvement plans, and who are found to have a rather high risk ofbankruptcy in the future.

Borrowers requiring caution:

Borrowers with problematic lending conditions such as interest waivers
and the like, borrowers who are having problems fulfilling their
obligations and who are already in arrears for repayments of principal orinterest, borrowers facing poor or unstable business conditions, andborrowers with a problematic financial status are those that require
future caution.

Borrowers under supervision:

Those borrowers - within the category of borrowers requiring caution who are three or more months in arrears or have had loans restructured(Borrowers whose loans in part or in full constitute loans requiringsupervision under the Financial Rehabilitation Law.)

Other borrowers requiring caution: Borrowers requiring caution other than those classified as substandard.
Normal borrowers:

15.2

3.9

Risk-Managed Loans
Target: Loans

Loans to bankrupt borrowers

2.9Loans past due

64.2

Past due for 3 months or longer

1.6

Restructhred loans

48.4

Total

117.3

100%

15.8

Borrowers under supervision 71.5

Other borrowers
requiring caution

Covered byreserves Coverage ratio

3.2
Bankrupt and Substantially
Bankrupt Claims

Substantially bankrupt borrowers

Covered by collateraland guarantees

29.9

22.0

67.2

15.9

94.08%

9.0

61.98%

28.9

81.41%

Loans disclosed in accordance with the Financial
Rehabilitation Law ... 118.1 billion yen

Risk-managed loans to total loans ...117.3 billion yen

5.44%

81.41%

5.45%

81.28%

Ratio to total balance ofextended credit

Coverage ratio

Ratio of risk-managedloans to total loans

Coverage ratio

Overview of Write-offs and Reserves under Self-Assessment
Legally bankrupt borrowers andsubstantially bankrupt borrowers:

The amount remaining after the deduction of the amount of collateralconsidered to be disposable and the amount recoverable underguarantees from the loan balance is either written off or is recorded as areserve for bad debt.

Potentially bankrupt borrowers:

A portion of the reserve as deemed necessary is provided based on theamount remaining after deduction of the amount of collateral considered
to be disposable and the amount recoverable under guarantees after
giving full consideration to the percentage of actual defaults over a fixed
period in the past.

Borrowers requiring caution(Borrowers under supervision andother borrowers requiring caution):

Based on the predicted loss ratio where any necessary adjustments for
future expectations have been incorporated into an appropriate loan loss
ratio calculated for the average remaining period, the anticipated loss
over the next three years in the case of substandard borrowers, and overthe next one year in the case of other borrowers, are recorded as a
general reserve for possible loan losses.

Normal borrowers:

Based on the predicted loss ratio where any necessary adjustments for
future expectations have been incorporated into an appropriate loan loss
ratio calculated for the average remaining period, the anticipated loss
over the next one year is recorded as a general reserve for possible loan
losses.

Borrowers whose business results are favorable and who are found not
to have any particular problems in terms of their financial status.

7

Consolidated Balance Sheets (Unaudited)
Suruga Bank Ltd. and consolidated subsidiaries
Thousands of
U.S. dollars

Millions of yen

2005

2004

Change from
2004

2005

ASSETS:Cash and Due from Banks
Call Loans and Bills Bought
Monetary Claims Bought
Trading Account Securities
Money Held in Trust
Securities
Loans and Bills Discounted
Foreign Exchanges
Other Assets
Premises and Equipment
Deferred Tax Assets
Customers’ Liabilities for Acceptances and Guarantees
Reserve for Possible Loan Losses

67,742
230,770
405
399
2,218
442,248
2,146,628
2,049
26,03452,51626,926
8,121(40,237)

56,861
161,649
10
199
1,404
492,647
2,087,237
906
26,816
52,117
34,7999,673(43,048)

10,881
69,121395
200
814(50,399)
59,391
1,143
(782)
399
(7,873)(1,552)
2,811

598,4812,038,785
3,579
3,531
19,596
3,907,133
18,964,826
18,106230,010
463,971
237,889
71,749(355,486)

Total Assets

2,965,824

2,881,276

84,54826,202,174

LIABILITIES, MINORITY INTEREST AND STOCKHOLDERS’ EQUITY:
Liabilities
Deposits
2,773,180
Negotiable Certificates of Deposit—
Borrowed Money
9,024
Foreign Exchanges
9
Other Liabilities
23,026
Reserve for Employees’ Bonus
542
Reserve for Employee Retirement Benefits
395
Reserves under Special Laws
0
Acceptances and Guarantees
8,121

2,703,113
5,000
9,987
10
18,426
550
220
0
9,673

70,067(5,000)
(963)
(1)
4,600
(8)
175
—
(1,552)

24,500,223—
79,72487
203,434
4,792
3,490
0
71,749Total Liabilities

2,814,299

2,746,981

67,31824,863,502

300

267

33

2,654

30,043
18,58599,282
7,656(4,344)30,043
18,58587,807
2,234(4,644)——
11,4755,422
300

265,423
164,200
877,135
67,641(38,382)

As of September 30,

Minority Interest
Stockholders’ Equity
Common Stock
Capital Surplus
Retained Earnings
Net Unrealized Gains (Losses) on Securities, Net of Taxes
Treasury Stock
Total Stockholders’ Equity
Total Liabilities, Minority Interest and Stockholders’ Equity

151,223

134,026

17,197

1,336,017

2,965,824

2,881,276

84,54826,202,174

Notes: 1. Figures less than 1 million yen are omitted.
2. Figures stated in U.S. dollars in this report are translated from Japanese yen, solely for convenience, at the rate of ¥113.19 per
1 U.S. dollar, the rate prevailing at September 30, 2005.

8

Consolidated Statements of Income (Unaudited)
Suruga Bank Ltd. and consolidated subsidiaries
Thousands of
U.S. dollars

Millions of yen

For the Six Months Ended September 30,

2005

2004

Change from
2004

2005

Ordinary Income
Interest Income
Interest on Loans and Discounts
Interest and Dividends on Securities
Fees and Commissions
Other Operating Income
Other Income

47,78636,95535,103
1,696
6,174
4,088
568

44,312
34,62832,657
1,923
5,491
3,715
478

3,474
2,327
2,446
(227)
683
373
90

422,182
326,486
310,128
14,98354,547
36,123
5,024

Ordinary Expenses
Interest Expenses
Interest on Deposits
Fees and Commissions
Other Operating Expenses
General and Administrative Expenses
Other Expenses

37,380
3,153
786
3,206
2,676
19,184
9,159

36,174
1,862
704
3,128
3,114
19,038
9,030

1,206
1,291
82
78
(438)
146
129

330,244
27,8596,949
28,327
23,649169,490
80,917

Ordinary Profits

10,406

8,137

2,269

91,938Extraordinary Profits
Extraordinary Losses

771
547

470
709

301
(162)

6,819
4,835

Income before Income Taxes and Others
Provision for Income Taxes and Others
Deferred Income Taxes
Minority Interest

10,631
3,526
211
45

7,898
336
2,753
56

2,733
3,190
(2,542)(11)

93,92331,152
1,865
400

Net Income

6,848

4,751

2,097

60,505

Notes: 1. Figures less than 1 million yen are omitted.
2. Figures stated in U.S. dollars in this report are translated from Japanese yen, solely for convenience, at the rate of ¥113.19 per
1 U.S. dollar, the rate prevailing at September 30, 2005.

9

Consolidated Statements of Stockholders’ Equity (Unaudited)
Suruga Bank Ltd. and consolidated subsidiaries
Thousands of
U.S. dollars

Millions of yen

Change from2004

For the Six Months Ended September 30,

2005

2004

Capital Surplus
Balance of Capital Surplus at Beginning of Year
Decrease
Losses on Sales of Treasury Stock

18,585——

18,586
0
0

(1)
(0)
(0)

164,200——

Balance of Capital Surplus at End of Period

18,585

18,585—

164,200

Retained Earnings
Balance of Retained Earnings at Beginning of Year
Increase
Net Income
Decrease
Dividends
Bonus for Directors and Corporate Auditors
Losses on Sales of Treasury Stock93,136
6,848
6,848
702
647
30
24

83,735
4,751
4,751
679
647
30
1

9,401
2,097
2,097
23
(0)
—
23

822,83160,50560,505
6,202
5,723
265
213

Balance of Retained Earnings at End of Period

99,28287,807

11,475877,135

2005

Notes: 1. Figures less than 1 million yen are omitted.
2. Figures stated in U.S. dollars in this report are translated from Japanese yen, solely for convenience, at the rate of ¥113.19 per
1 U.S. dollar, the rate prevailing at September 30, 2005.

PRINCIPLES OF CONSOLIDATION
The accompanying consolidated financial statements include the accounts of the Bankand its subsidiaries, which are as follows:
Suruga Business Service Co., Ltd.
Suruga Staff Service Co., Ltd.
A.P.I.Co., Ltd.
Suruga Capital Co.,Ltd.
Suruga Computer Service Co., Ltd.
Suruga Card Co., Ltd.
Suruga Credit Service Co., Ltd.
All significant intercompany accounts and transactions have been eliminated in consolidation.

10Non-Consolidated Balance Sheets (Unaudited)
Suruga Bank Ltd.
Thousands of
U.S. dollars

Millions of yen

2005

2004

Change from
2004

2005

ASSETS:Cash and Due from Banks
Call Loans
Monetary Claims Bought
Trading Account Securities
Money Held in Trust
Securities
Loans and Bills Discounted
Foreign Exchanges
Other Assets
Premises and Equipment
Deferred Tax Assets
Customers’ Liabilities for Acceptances and Guarantees
Reserve for Possible Loan Losses

66,937
230,770
405
399
2,218
441,430
2,151,454
2,049
19,06941,735
26,156
8,127(38,254)

55,699161,649
10
199
1,404
491,871
2,092,608
906
20,24140,16334,0009,679(41,298)

11,23869,121395
200
814(50,441)
58,846
1,143(1,172)
1,572(7,844)(1,552)
3,044

591,373
2,038,785
3,579
3,531
19,596
3,899,909
19,007,464
18,106
168,470
368,716
231,084
71,802(337,963)

Total Assets

2,952,499

2,867,137

85,362

26,084,457

LIABILITIES AND STOCKHOLDERS’ EQUITY:
Liabilities
Deposits
Negotiable Certificates of Deposit
Borrowed Money
Foreign Exchanges
Other Liabilities
Reserve for Employees’ Bonus
Reserve for Employee Retirement Benefits
Reserves under Special Laws
Acceptances and Guarantees

2,774,360——
9
17,035
508
263
0
8,127

2,703,832
5,000
7
10
12,597
508
75
0
9,679

70,528(5,000)
(7)
(1)
4,438
0
188
—
(1,552)

24,510,648——
87
150,502
4,496
2,327
0
71,802

Total Liabilities

2,800,305

2,731,711

68,594

24,739,864

30,043
18,585
18,58598,34230,04359,8728,427
7,585(2,362)30,043
18,585
18,58587,08930,04351,0725,974
2,242(2,535)———
11,253
—
8,800
2,453
5,343
173

265,423
164,200
164,200
868,827
265,423
528,953
74,451
67,018(20,876)

152,194

135,425

16,7691,344,593

2,952,499

2,867,137

85,362

26,084,457

As of September 30,

Stockholders’ Equity
Common Stock
Capital Surplus
Capital Surplus Reserve
Retained Earnings
Earned Surplus Reserve
Voluntary Reserves
Unappropriated Profits at the End of the Term
Net Unrealized Gains (Losses) on Securities, Net of Taxes
Treasury Stock
Total Stockholders’ Equity
Total Liabilities and Stockholders’ Equity

Notes: 1. Figures less than 1 million yen are omitted.
2. Figures stated in U.S. dollars in this report are translated from Japanese yen, solely for convenience, at the rate of ¥113.19 per
1 U.S. dollar, the rate prevailing at September 30, 2005.

11

Non-Consolidated Statements of Income (Unaudited)
Suruga Bank Ltd.
Thousands of
U.S. dollars

Millions of yen

For the Six Months Ended September 30,

2005

2004

Change from
2004

2005

Ordinary Income
Interest Income
Interest on Loans and Discounts
Interest and Dividends on Securities
Fees and Commissions
Other Operating Income
Other Income

43,56936,221
34,372
1,693
5,878
900
568

39,90333,80531,837
1,921
5,068
582
447

3,666
2,416
2,535
(228)
810
318
121

384,923
320,003
303,674
14,961
51,938
7,958
5,023

Operating Expenses
Interest Expenses
Interest on Deposits
Fees and Commissions
Other Operating Expenses
General and Administrative Expenses
Other Expenses

33,394
3,147
786
3,541
66
18,544
8,095

32,089
1,816
704
3,411
504
18,513
7,844

1,305
1,331
82
130
(438)
31
251

295,033
27,8056,950
31,288584
163,836
71,519Ordinary Profits

10,174

7,814

2,360

89,889Extraordinary Profits
Extraordinary Losses

755
536

458
709

297
(173)

6,674
4,738

Income before Income Taxes and Others
Provision for Income Taxes and Others
Deferred Income Taxes
Net Income
Unappropriated Profits at the Beginning of the Term
Losses on Sales of Treasury Stock

10,393
3,193
401
6,799
1,652
24

7,564
84
2,862
4,617
1,357
1

2,829
3,109
(2,461)
2,182
295
23

91,82628,215
3,542
60,068
14,596
213

Unappropriated Profits at the End of the Term

8,427

5,974

2,453

74,451

Notes: 1. Figures less than 1 million yen are omitted.
2. Figures stated in U.S. dollars in this report are translated from Japanese yen, solely for convenience, at the rate of ¥113.19 per
1 U.S. dollar, the rate prevailing at September 30, 2005.

12

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