INTERIM CONSOLIDATED BALANCE SHEETSThe Iyo Bank, Ltd. and Its consolidated subsidiaries
As of September 30, 2018 and 2017
Millions of yen
2018
ＡＳＳＥＴＳCash and due from banks -----------------------------------Call loans and bills purchased -------------------------------Commercial paper and other debt purchased -------------------Trading account securities ----------------------------------Money held in trust ---------------------------------------Securities ------------------------------------------------Loans and bills discounted ----------------------------------Less reserve for possible loan losses -----------------------Foreign exchanges ----------------------------------------Lease receivables and investment assets ----------------------Other assets ---------------------------------------------Tangible fixed assets---------------------------------------Intangible fixed assets--------------------------------------Net defined benefit asset----------------------------------Customers' liabilities for acceptances and guarantees -----------Deferred tax assets ----------------------------------------Total assets -----------------------------------------￥￥

667,886
5,678
11,454448
6,667
1,713,923
4,409,112(24,210)8,474
31,32588,06072,414
6,726
24,33031,768185
7,054,246

ＬＩＡＢＩＬＩＴＩＥＳ, MINORITY INTEREST ＡＮＤ ＳＴＯＣＫＨＯＬＤＥＲＳ' ＥＱＵＩＴＹ
Liabilities
Deposits ------------------------------------------------￥ 5,519,876
Call money and bills sold -----------------------------------170,000
Payables under repurchase agreements ----------------------52,114
Payables under securities lending transactions------------------99,544
378,050
Borrowed money ------------------------------------------Foreign exchanges ----------------------------------------90
Borrwed money from trust account ---------------------------34
38,044
Other liabilities ------------------------------------------1,656
Accrued employees' bonuses --------------------------------Net defined benefit liability---------------------------------12,483
2,517
Reserve for losses on repayments of dormant bank accounts ------495
Reserve for contingent losses -------------------------------Provision for share-based---------------------------------28
Reserve under the special laws -----------------------------1
Acceptances and guarantees --------------------------------31,768
Deferred tax liabilities -------------------------------------67,597
Deferred taxes on revaluation excess -------------------------9,780
Total liabilities --------------------------------------￥ 6,384,085
Net Assets
Common stock
Authorized－600,000,000 shares
Issued－323,775,366 shares as of September 30, 2018----------Capital surplus -------------------------------------------Retained earnings -----------------------------------------Less treasury stock ---------------------------------------Total stockholders' equity ---------------------------------Net unrealized holding gains(losses) on securities ---------------Net deferred gains (losses) on derivatives under hedge accounting -Land revaluation excess------------------------------------Remeasurements of defined benefit plans---------------------Accumulated other comprehensive income --------------------Subscription rights to shares------------------------------Non-controlling interests----------------------------------Total net assets---------------------------------------Total liabilities and net assets--------------------------Note:￥￥

20,948
11,604
413,734(5,188)441,098
180,565(1,340)19,534
6,425
205,185397
23,479670,160
7,054,246

2017
￥

￥

￥

￥

￥

￥

Thousands of U.S.
dollars
2018

735,053
36,214
10,657566
6,290
1,730,982
4,110,935(22,779)
6,250
29,11370,65673,044
4,680
20,64530,903284
6,843,502＄

5,402,987
49,491
55,423
216,247
330,89844
2935,424
1,647
12,6882,519
450
130,90360,1239,840
6,208,721＄

20,948
11,570396,390(5,254)
423,654
165,821(889)
19,661
5,425
190,019406
20,699634,780
6,843,502

＄

＄

＄

＄

5,880,831
49,995
100,854
3,944
58,70315,091,335
38,822,858(213,172)
74,614
275,821775,380
637,615
59,223214,229
279,721
1,628
62,113,639

48,603,293
1,496,874
458,871876,499
3,328,784
792
299
334,982
14,581
109,914
22,1624,358
246
8279,721595,201
86,11456,212,776

184,450
102,174
3,642,986(45,681)3,883,930
1,589,900(11,798)
171,999
56,573
1,806,683
3,495
206,735
5,900,854
62,113,639(1) Japanese yen figures are expressed with amounts under one million omitted. Accordingly figures may not add up to sums.
(2) U.S. dollar amounts represent translation of Japanese yen at the exchange rate of \113.57 to U.S. $1.00 on September 30, 2018.

INTERIM CONSOLIDATED STATEMENTS OF INCOME
The Iyo Bank, Ltd. and Its consolidated subsidiaries
For the six months ended September 30, 2018 and 2017
Millions of yen
2018
ＩＮＣＯＭＥInterest and dividend income:Interest on loans and discounts ---------------------Interest and dividends on securities -----------------Other interest income ----------------------------Fees and commissions -----------------------------Other operating income ----------------------------Other income-------------------------------------Total income --------------------------------ＥＸＰＥＮＳＥＳ
Interest expenses:
Interest on deposits ------------------------------Interest on borrowings and rediscounts --------------Interest on payables under repurchase agreements-----Interest on payables under securities lending transactions
Other interest expenses ---------------------------Fees and commissions -----------------------------Other operating expenses --------------------------General and administrative expenses ------------------Other expenses -----------------------------------Total expenses ------------------------------Interim income before income taxes ------------------Income taxes
Current ----------------------------------------Deferred ---------------------------------------Total taxes ---------------------------------------Interim net income---------------------------------Profit attributable to non-controlling interests ----------Profit attributable to owners of parent ------------------￥

25,591
12,830
1,011
7,653
13,4854,365
64,9372017￥

24,11914,051
860
7,066
9,357
5,319
60,774

Thousands of U.S.
dollars
2018＄

225,332
112,969
8,901
67,385
118,737
38,434
571,779

1,427
974
291
436
1,999
2,408
11,277
26,1252,492
47,433
17,503

1,230
561
118
131
1,548
2,286
7,325
25,912
1,219
40,334
20,43912,564
8,576
2,562
3,839
17,601
21,202
99,295230,034
21,942
417,654
154,116

4,054
1,179
5,234
12,269601
11,667

5,459
784
6,244
14,195535
13,66035,696
10,381
46,086108,030
5,291
102,729

INTERIM CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
The Iyo Bank, Ltd. and Its Consolidated Subsidiaries
For the years ended September 30, 2018 and 2017
Thousands of U.S.
dollars
2018

Millions of yen
2018Interim net income-------------------------------------------Other comprehensive income-----------------------------------Net unrealized holding gains (losses) on securities-----------------Net deferred gains (losses) on derivatives under hedge accounting----Adjustmens for defined benefit plans----------------------------Comprehensive income----------------------------------------- ￥Comprehensive income attribute to:Comprehensive income attribute to owners of the parent company------ ￥Comprehensive income attribute to non-controlling interests-----------

201712,26913,76914,113(99)(244)
26,03825,186852￥￥

14,195
13,362
13,373(93)
83
27,55825,973
1,584＄＄

108,030
121,238
124,266(871)(2,148)229,268
221,766
7,501

INTERIM CONSOLIDATED STATEMENT OF CHANGES IN NET ASSETSThe Iyo Bank, Ltd. and its Consolidated Subsidiaries
For the year ended September 30, 2018
Millions of yen
Stockholders' equity
Common stock
Balance at the beginningof the accounting period
Changes during theaccounting period
Dividends
Net Income
Purchase of treasury stock
Disposal of treasury stockReversal of land revaluation
excessChanges in items other thanstockholders' equity, net
Total changes during
the accounting period
Balance at the endof the accounting period￥

Capital surplus

20,948 ￥Retained earnings

11,570 ￥Treasury stock

404,181 ￥Total stockholders'equity(5,255) ￥431,445(232)
298(2,214)
11,667(232)
332(2,214)
11,667
34
99

￥

99

-

34

9,552

66

9,653

20,948 ￥11,604 ￥413,734 ￥(5,188) ￥441,098

Thousands of U.S. dollars
Stockholders' equity
Common stock
Balance at the beginningof the accounting period
Changes during theaccounting period
Dividends
Net Income
Purchase of treasury stock
Disposal of treasury stockReversal of land revaluation
excessChanges in items other thanstockholders' equity, net
Total changes during
the accounting period
Balance at the endof the accounting period$

Capital surplus

184,450$

Retained earnings

101,875 $3,558,871

Treasury stock$

Total stockholders'equity(46,271) $3,798,934(2,042)
2,623(19,494)
102,729(2,042)
2,923(19,494)
102,729299
871$

184,450$

299

84,106102,174 $3,642,986

871

$

581

84,996(45,681) $3,883,930
Millions of yen

Total other comprehensive income
Net unrealized
holding gains(losses)
on securities
Balance at the beginningof the accounting period
Changes during theaccounting period
Dividends
Net Income
Purchase of treasury stock
Disposal of treasury stockReversal of land revaluation
excessChanges in items other thanstockholders' equity, net
Total changes during
the accounting period
Balance at the endof the accounting period￥

Net deferred gains(losses) on
derivatives underhedge accounting

166,703 ￥Land revaluation
excess(1,240) ￥Remeasurements ofdefined benefit
plans

19,634 ￥Total accumulated
othercomprehensive
income6,669 ￥

Stock acquisitionrights

191,766 ￥Non-controllinginterests

467 ￥Total net assets

22,624 ￥646,304(2,214)
11,667
(232)
332
99

￥

13,862

(99)

(99)

(244)

13,418(70)854

14,203

13,862

(99)

(99)

(244)

13,418(70)854

23,856

180,565 ￥(1,340) ￥19,534 ￥6,425 ￥

205,185 ￥397 ￥23,479 ￥670,160

Thousands of U.S. dollars
Total other comprehensive income
Net unrealized
holding gains(losses)
on securities
Balance at the beginningof the accounting period
Changes during theaccounting period
Dividends
Net Income
Purchase of treasury stock
Disposal of treasury stockReversal of land revaluation
excessChanges in items other thanstockholders' equity, net
Total changes during
the accounting period
Balance at the endof the accounting period$

1,467,843

Net deferred gains(losses) on
derivatives underhedge accounting$

Land revaluation
excess(10,918) $172,880

Remeasurements ofdefined benefit
plans

Total accumulated
othercomprehensive
incomeStock acquisitionrightsNon-controllinginterests

$

$

$

$

58,721

1,688,526

4,112

Total net assets

199,207 $5,690,798(19,494)
102,729(2,042)
2,923
871

$

122,056

(871)

(871)

(2,148)118,147

(616)

7,519

125,059

122,056

(871)

(871)

(2,148)118,147

(616)

7,519

210,055

206,735 $

5,900,854

1,589,900$(11,798) $171,999$

56,573$

1,806,683

$

3,495

$

INTERIM CONSOLIDATED STATEMENT OF CHANGES IN NET ASSETSThe Iyo Bank, Ltd. and its Consolidated Subsidiaries
For the year ended September 30, 2017
Millions of yen
Stockholders' equity
Common stock
Balance at the beginningof the accounting period
Changes during theaccounting period
Dividends
Net Income
Purchase of treasury stock
Disposal of treasury stockReversal of land revaluation
excessChanges in items other thanstockholders' equity, net
Total changes during
the accounting period
Balance at the endof the accounting period￥

Capital surplus

20,948 ￥Retained earnings

11,555 ￥Treasury stock

384,386 ￥Total stockholders'equity(5,370) ￥411,520(0)116(1,897)
13,660(0)131(1,897)
13,660
14
239

￥

239

-

14

12,003

115

12,133

20,948 ￥

11,570 ￥396,390 ￥(5,254) ￥423,654
Millions of yen

Total other comprehensive income
Net unrealized
holding gains(losses)
on securities
Balance at the beginningof the accounting period
Changes during theaccounting period
Dividends
Net Income
Purchase of treasury stock
Disposal of treasury stockReversal of land revaluation
excessChanges in items other thanstockholders' equity, net
Total changes during
the accounting period
Balance at the endof the accounting period￥

Net deferred gains(losses) on
derivatives underhedge accounting

153,498 ￥Land revaluation
excess(795) ￥

Remeasurements ofdefined benefit
plans

19,901 ￥Total accumulated
othercomprehensive
income5,342 ￥

Stock acquisitionrights177,946 ￥Non-controllinginterests

479 ￥Total net assets

19,114 ￥609,061(1,897)
13,660(0)131
239

12,323

￥

(93)

(239)

83

12,073

(72)

1,584

13,585

12,323

(93)

(239)

83

12,073

(72)

1,584

25,718

165,821 ￥(889) ￥

19,661 ￥5,425 ￥

190,019 ￥406 ￥20,699 ￥634,780

INTERIM CONSOLIDATED STATEMENTS OF CASH FLOWSThe Iyo Bank, Ltd.and Its consolidated subsidiaries
For the six months ended September 30, 2018 and 2017
Millions of yen
2018
2017
Cash flows from operating activities:
Interim income before income taxes -------------------------------------------- ￥ 17,503
2,019
Depreciation -------------------------------------------------------------4
Impairment losses ---------------------------------------------------------Increase (decrease) in reserve for possible loan losses ----------------------------(46)6Increase (decrease) in reserve for employees' bonuses ---------------------------Decrease (increase) in net defined benefit asset---------------------------------(1,166)
Increase (decrease) in net defined benefit liability-------------------------------(19)Increase (decrease) in reserve for losses on repayments of dormant bank accounts ----(411)
Increase (decrease) in reserve for contingent losses -----------------------------69
Increase (decrease) in provision for share-based compensation--------------------28
Increase(decrease) in reserve under the special laws----------------------------0
Interest and dividend income ------------------------------------------------(39,433)
Interest expense ----------------------------------------------------------5,129
Securities losses (gains), net ------------------------------------------------(2,488)
Money in trust losses (gains), net --------------------------------------------(271)(14,701)
Foreign exchange losses (gains), net ------------------------------------------Losses (gains) on disposal of tangible fixed assets, net ---------------------------262
Net changes in loans and bills discounted --------------------------------------(139,415)
Net changes in deposits ----------------------------------------------------(5,521)
Net changes in borrowed money (excluding subordinated borrowings)----------------(41,291)
1,219
Net changes in deposits with banks -------------------------------------------Net changes in call loans ---------------------------------------------------16,583
119,182
Net changes in call money --------------------------------------------------Net changes in payables under securities lending transactions--------------------(126,606)
Net changes in foreign exchange assets ---------------------------------------(1,382)
Net changes in foreign exchange liabilities -------------------------------------24
Net changes in lease receivables and investment assets --------------------------(730)Net changes in borrowed money from trust account----------------------------(5)Interest income received ---------------------------------------------------39,276Interest expense paid ------------------------------------------------------(5,259)
Other --------------------------------------------------------------(13,881)
Subtotal ---------------------------------------------------(191,322)(6,446)
Income taxes paid -----------------------------------------------------(197,768)
Net cash provided by (used in) operating activities ----------------------------------￥

20,439
2,049
149
(761)
(0)
(1,155)
116
(459)
22
0
(39,031)
3,590(4,238)(93)(7,900)9(89,492)(34,289)
110,011
10,12255,078(7,556)(108,468)
1,951
(100)
110
0
35,676(3,710)(24,455)(82,386)(3,778)(86,165)

Thousands of U.S.
dollars
2018$

154,116
17,77735(405)
52(10,266)(167)(3,618)607
246
0(347,213)
45,161(21,907)(2,386)(129,444)
2,306(1,227,568)(48,613)(363,573)
10,733146,015
1,049,414(1,114,783)(12,168)
211(6,427)(44)345,830(46,306)(122,224)(1,684,617)(56,757)(1,741,375)

Cash flows from investing activities:
Purchases of securities -----------------------------------------------------Proceeds from sales of securities ---------------------------------------------Proceeds from maturities of securities -----------------------------------------Increase in money held in trust---------------------------------------------Decrease in money held in trust--------------------------------------------Purchases of tangible fixed assets-------------------------------------------Proceeds from sales of tangible fixed assets ------------------------------------Purchases of intangible fixed assets-----------------------------------------Net cash provided by (used in) investing activities ----------------------------------(282,755)
334,579
91,695
(379)
321
(711)
143
(2,154)
140,738(106,291)
94,28751,640(284)(1,154)422(590)
38,029(2,489,697)
2,946,015
807,387(3,337)
2,826(6,260)1,259(18,966)
1,239,218

Cash flows from financing activities
Proceeds from stock issuance to non-controlling shareholders--------------------Cash dividends paid -------------------------------------------------------Cash dividends paid to non-controlling stockholders -----------------------------Purchases of treasury stock -------------------------------------------------Proceeds from sales of treasury stock----------------------------------------Net cash provided by (used in) financing activities ----------------------------------

8(2,214)
(5)
(232)
231
(2,212)

5(1,897)(5)(0)
0(1,897)70(19,494)(44)(2,042)
2,033(19,476)

Foreign currency translation adjustments -----------------------------------------21
Net increase (decrease) in cash and cash equivalents -------------------------------(59,221)
726,157
Cash and cash equivalents at beginning of year ------------------------------------Cash and cash equivalents at end of the accounting period --------------------------- ￥ 666,936

1(50,031)783,504￥ 733,472

184(521,449)
6,393,915$ 5,872,466