Financial Results
for the Fiscal Year Ended March 31, 2022
- Supplementary Information -Contents
I. Overview of Financial Results for the Fiscal Year Ended March 31, 2022
1. Status of Profit/Loss ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 1-2
2. Business Income ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

3

3. Margin ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

3

4. ROE ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

4

5. OHR ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

4

6. Gain/Loss on Securities ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

5

7. Capital Ratio (Domestic Standards) ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 6-7
II. Status of Loans
1. Risk-monitored Loans and Loans Based on the Financial Reconstruction Act ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 8-9
2. Coverage Status of Loans Based on the Financial Reconstruction Act ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10
3. Status of Reserve for Possible Loan Losses ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10
4. Status of Problem Assets Subject to Disclosure ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 11
5. Loan Breakdown by Industrial Sector ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 12-14
6. Deposits and Loans ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 15-18
III. Valuation Gain/Loss on Securities
1. Valuation Standards ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 19
2. Gain/Loss on Valuation ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 19

I. Overview of Financial Results for the Fiscal Year Ended March 31, 2022
1. Status of Profit/Loss(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated]
In the fiscal year ended March 31, 2022, ordinary income increased by ¥14,996 million year-on-year to ¥108,348 million
while ordinary profit increased by ¥16,719 million year-on-year to ¥24,943 million. Profit attributable to owners of parent
increased by ¥14,022 million year-on-year to ¥18,183 million.
(Millions of yen)
Fiscal year ended
March 31, 2022 (A)Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)

Ordinary income

1

108,348

14,996

93,352Gross business profit

2

79,081

6,884

72,197(Excluding gains/losses on bonds(five accounts total))

3

79,2038,250

70,953

Net interest income

461,947

4,448

57,499Trust fees

5

328

178

150

Net fees and commissions

6

15,277

3,611

11,666

Other business income (loss)

7

1,528

(1,353)

2,881

Expenses (excluding non-recurring losses)

856,454

1,343

55,111Credit-related costs

9

6,482

(1,980)8,462

Write-off of loans

10

9

(18)

27

Transfer to reserve for individual possible
loan losses

11

4,485

(3,219)

7,704

Other credit-related costs

12

1,986

1,255

731

Gains (losses) on stocks and other securities

13

826

(3,375)

4,201

Profit on investments based on the equity
method

14

6,540

6,516

24

Others

15

1,431

6,056

(4,625)

Ordinary profit

16

24,943

16,7198,224

Extraordinary profit (loss)

17

(172)

(48)

(124)

Income before income taxes

18

24,771

16,672

8,099

Total income taxes

19

6,588

2,650

3,938

Income taxes – current

20

4,865

3,314

1,551

Income taxes – deferred

21

1,722

(665)

2,387

Profit (loss)

22

18,183

14,022

4,161

Profit (loss) attributable to non-controllinginterests

23

－

－

－

Profit attributable to owners of parent

24

18,183

14,022

4,161(Number of consolidated subsidiaries and equity-method affiliates)(Number of companies)

Consolidated subsidiaries

25

15

(1)

16

Equity-method affiliates

26

3

1

2

1

(2) Kiraboshi Bank, Ltd.
Ordinary profit increased by ¥17,173 million year-on-year to ¥26,006 million due largely to an increase in interest on loans
and discounts reflecting promotion of main bank relationship building, an increase in net fees and commissions
attributable notably to business financing, and a decrease in credit-related costs. Net income increased by ¥13,647 million
year-on-year to ¥18,484 million.
[Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2022 (A)Ordinary income
Gross business profit(Excluding gains/losses on bonds (five accounts total))(Gross core business profit)
Gross domestic business profit(Excluding gains/losses on bonds (five accounts total))
Net interest income
Trust fees
Net fees and commissions
Other business income (loss)
Gross international business profit(Excluding gains/losses on bonds (five accounts total))
Net interest income
Net fees and commissions
Other business income (loss)
Expenses (excluding non-recurring losses)
Personnel expenses
Non-personnel expenses
Taxes
Net business income (before transfer to reserve for(Net business income)general poss ble loan losses)(Excluding gains/losses on bonds (five accounts total))(Core business income)Net core business income (excluding gains ([losses]) on cancellation of investment
trusts)Transfer to reserve for general possible loan losses(1)
Net business income(Gains/losses on bonds (five accounts total)
Non-recurring profit (loss)
Loss from write-off of non-performing loans(2)
Write-off of loans
Transfer to reserve for individual possible loan losses
Loss on disposal of receivables
Provision for contingent loss
Credit guarantee association responsibility-sharing system charge
Other losses from write-off of non-performing loans
Reversal of allowance for loan losses(3)
Recoveries of written-off claim
Gains (losses) on stocks and other securities
Gain on sale of stocks and other securities
Loss on sale of stocks and other securities
Loss on devaluation of stocks and other securities
Other non-recurring profit (loss)
Ordinary profit
Extraordinary profit (loss)
Income before income taxes
Total income taxes
Income taxes – current
Income taxes – deferred
Net income
Credit-related costs(1)＋(2)－(3)Difference(A) – (B)Fiscal year ended
March 31, 2021 (B)

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18

93,75578,55478,67673,66573,461
62,174328
10,972
189
4,888
5,215
3,506
220
1,161
51,40623,24723,757
4,401

11,621
7,841
9,455
6,664
7,694
5,483
178
2,485
(1,482)
1,177
1,761
1,419
22
(264)
(1,041)(1,818)826(49)

82,13470,713
69,22167,001
65,76756,691
150
8,487
1,671
3,711
3,454
2,087
198
1,425
52,44725,06522,9314,450

19

27,147

8,882

18,26520

27,27010,496

16,77421

27,318

10,544

16,774

22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

1,639
25,508
(122)
497
4,734
－
4,402
(0)
(36)
359
9
－
44
4,421
7,138
2,430
286
766
26,006(162)
25,844
7,359
4,119
3,240
18,484

1,346
7,536(1,613)
9,635(3,402)(20)(3,224)
(0)
(170)
8
6
－
(7)
23
2,617
2,308
286
6,217
17,173(43)
17,131
3,483
3,050
434
13,647

293
17,972
1,491(9,138)
8,136
20
7,626
－
134
351
3
－
51
4,398
4,521
122
－
(5,451)
8,833
(119)
8,713
3,876
1,069
2,806
4,837

47

6,373

(2,057)

8,430*Includes extraordinary dividends of ¥3,000 million from subsidiaries, which are eliminated from consolidated results.
[Consolidated](Millions of yen)

Ordinary income
Ordinary profit
Profit attributable to owners of parent

48
49
50

2

99,26630,48822,651

16,382
20,77917,272

82,8849,709
5,379

2. Business Income
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2022 (A)Net business income (before transfer to reserve forgeneral possible loan losses)
Per employee (thousands of yen)
Net business income
Per employee (thousands of yen)
Net core business income
Per employee (thousands of yen)

Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)27,147

8,882

18,265

10,671

3,954

6,717

25,508

7,536

17,972

10,026

3,417

6,609

27,27010,496

16,774

10,719

4,550

6,169

(Note) For employees above, the average number of employees during the period under review, including executive
officers but excluding temporary employees, fixed-term employees, and secondees, has been used.

3. Margin
Kiraboshi Bank, Ltd. [Non-consolidated]<Total>(%)
Fiscal year ended
March 31, 2022 (A)Yields on interest-earning assets

(C)

1.14

Loans and bills discounted

(c)

0.03

1.11

1.21

0.03

1.18

1.50

0.17

1.33

(D)

0.87

(0.12)

0.99

(d)

0.01

－

0.01

0.03

(0.06)

0.09

Securities
Cost of funding
Deposits, etc.

Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)

External
Difference of interest rates between
deposits and loans(c)－(d)

1.20

0.03

1.17

Net interest margin(C)－(D)

0.27

0.15

0.12

(Note) Interest on loans and discounts used as the basis for calculating yield on loans and bills discounted includes
interest subsidies.

<Domestic Operations>(%)
Fiscal year ended
March 31, 2022 (A)Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)Yields on interest-earning assets

(C)

1.10

－

1.10

Loans and bills discounted

(c)

1.19

0.01

1.18

Securities
Cost of funding
Deposits, etc.

1.60

0.27

1.33

(D)

0.87

(0.12)

0.99

(d)

0.01

－

0.01

0.00

－

0.00

External liabilities
Difference of interest rates between
deposits and loans(c)－(d)

1.18

0.01

1.17

Net interest margin(C)－(D)

0.23

0.12

0.11

(Note) Interest on loans and discounts used as the basis for calculating yield on loans and bills discounted includes
interest subsidies.

34. ROE
Tokyo Kiraboshi Financial Group, Inc. [Consolidated](%)
Fiscal year ended
March 31, 2022 (A)On basis of profit attributable to owners of parent(Note)ROE [Consolidated] =Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)

5.77

4.40

1.37

Profit attributable to owners of parent(Net assets at the beginning of the period + net assets at the end of the period) ÷ 2

× 100

Kiraboshi Bank, Ltd. [Non-consolidated](%)
Fiscal year ended
March 31, 2022 (A)Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

9.00

2.78

6.22

On a basis of net business income

8.46

2.34

6.12

On a basis of net core business income

9.04

3.33

5.71

On the basis of profit attributable to owners ofparent

6.13

4.49

1.64

(Note)Net income

ROE [Non-consolidated] =(Net assets at the beginning of the period + net assets at the end of the period) ÷ 2

× 100

Kiraboshi Bank, Ltd. [Consolidated](%)
Fiscal year ended
March 31, 2022 (A)On a basis of net business income (before transfer
to reserve for general possible loan losses)

7.63

On a basis of net business income
On a basis of net core business income
On the basis of profit attributable to owners ofparent(Note)ROE [Consolidated] =Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)
1.28

6.35

7.12

0.85

6.27

7.67

1.82

5.85

7.22

5.43

1.79

Profit attributable to owners of parent(Net assets at the beginning of the period + net assets at the end of the period) ÷ 2

× 100

5. OHR
Kiraboshi Bank, Ltd. [Non-consolidated](%)
Fiscal year ended
March 31, 2022 (A)Difference(A) – (B)Fiscal year ended
March 31, 2021 (B)On a basis of gross core business profit

65.33(10.43)75.76

On a basis of gross business profit

65.44(8.72)

74.16(Note)OHR=

Expenses
Gross business profit

× 100

4

6. Gain/Loss on Securities
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2022 (A)Fiscal year ended
March 31, 2021 (B)Difference(A) – (B)

Gains (losses) on bonds(122)(1,613)

1,491

Gain on sale of bond613

(1,567)

2,180

Gain on redemption of bond

98

98

－

Loss on sale of bond

834

724

110

Loss on redemption of bond

－

－

－

Amortization on bond

－

(578)

578

Gain (loss) on securities from application of markto-market accounting (securities)

4,421

23

4,398

Gain on sale of stocks and other securities

7,138

2,617

4,521

Loss on sale of stocks and other securities

2,430

2,308

122

Amortization of stock and other securities

286

286

－

5

7. Capital Ratio (Domestic Standards)(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen, %)March 31,2022 (A)(1) Capital ratio (%)(4) / (5)(2) Basic items in core capital(3) Adjustments in core capital(4) Capital(2)－(3)

Directly issued qualifying common stock or mandatory convertible preferred stockplus related capital surplus and retained earnings
Total provisions included in basic items in core capital
Eligible capital instruments subject to transitional arrangements included in basic
items in core capital(5) Risk-weighted assets(6) Total necessary capital(5) × 4%

Difference(A) – (B)

March 31,2021 (B)

8.41(0.33)

8.74

324,623

17,538307,085

25,5803,750

21,830299,042

13,788285,254309,473

15,561

293,912

11,455

1,156

10,299－－－3,555,093

293,668

3,261,425

142,203

11,746130,457(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)March 31,2022 (A)(1) Capital ratio (%)

March 31,2021 (B)

8.21(0.26)

8.47(2) Basic items in core capital

309,095

17,434

291,661(3) Adjustments in core capital

19,655

2,666

16,989289,440

14,768274,672

298,068

15,818282,250

11,048

1,606

9,442

－

－

－

3,523,665

283,4143,240,251

140,946

11,336

129,610(4) Capital(4) / (5)Difference(A) – (B)(2)－(3)

Directly issued qualifying common stock or mandatory convertible preferred stockplus related capital surplus and retained earnings
Total provisions included in basic items in core capital
Eligible capital instruments subject to transitional arrangements included in basic
items in core capital(5) Risk-weighted assets(6) Total necessary capital(5) × 4%6

(3) Kiraboshi Bank, Ltd. [Consolidated](Millions of yen, %)March 31,2022 (A)(1) Capital ratio (%)(4)÷(5)(2) Basic items in core capital(3) Adjustments in core capital(4) Capital(2)－(3)

Directly issued qualifying common stock or mandatory convertible preferred stockplus related capital surplus and retained earnings
Total provisions included in basic items in core capital
Eligible capital instruments subject to transitional arrangements included in basic
items in core capital(5) Risk-weighted assets(6) Total necessary capital(5) × 4%

Difference(A) – (B)

March 31,2021 (B)

8.50(0.15)

8.65

324,027

22,525

301,502

23,9033,010

20,893

300,124

19,515

280,609308,639

20,107

288,532

11,193

1,573

9,620

－

－

－

3,528,428

287,8813,240,547

141,137

11,516

129,621(4) UI Bank Co., Ltd.
(Millions of yen, %)March 31,2022 (A)(1) Capital ratio (%)(4)÷(5)

4,036(3) Adjustments in core capital

1,262(2)－(3)

Directly issued qualifying common stock or mandatory convertible preferred stockplus related capital surplus and retained earnings

2,773
4,007

Total provisions included in basic items in core capital

28

Eligible capital instruments subject to transitional arrangements included in basic
items in core capital－(5) Risk-weighted assets(6) Total necessary capital

March 31,2021 (B)

15.70(2) Basic items in core capital(4) Capital

Difference(A) – (B)

17,662(5) × 4%706

(Note) Capital ratio is calculated based on Financial Service Agency Notifications No. 19 and 20 of 2006.
The standardized approach is applied for calculating credit risks and assets, while the fundamental approach isapplied for calculating the amount equivalent to operational risk.
Figures for the fiscal year ended March 31, 2021 are not provided for UI Bank Co., Ltd. as it only commenced
operation in January 2022.

7

II. Status of Loans
1. Risk-monitored Loans and Loans Based on the Financial Reconstruction Act
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2022
(A)

March 31, 2021
(B)

Difference(A) – (B)Bankrupt and quasi-bankrupt assets

19,863340

19,523

Doubtful assets

105,125

17,57587,550

8,471

1,609

6,862

210

187

23

Substandard assets
Past-due loans (3 months or more)
Restructured loans

8,261

1,422

6,839

133,460

19,525

113,935

Normal assets

4,292,288

394,073

3,898,215

Total credit balance

4,425,748

413,597

4,012,151

Sub-total(Ratio to total credit balance)(%)
March 31, 2022
(A)

March 31, 2021
(B)

Difference(A) – (B)Bankrupt and quasi-bankrupt assets

0.44(0.04)

0.48

Doubtful assets

2.37

0.19

2.18

Substandard assets

0.19

0.02

0.17

Past-due loans (3 months or more)

0.00

－

0.00

Restructured loans

0.18

0.01

0.17

Ratio to total credit balance

3.01

0.18

2.83

[After partial direct write-offs](Millions of yen)March 31, 2022
(A)
Bankrupt and quasi-bankrupt assets
Doubtful assets
Substandard assets
Past-due loans (3 months or more)
Restructured loans

March 31, 2021
(B)

Difference(A) – (B)

5,817

24

5,793

105,125

17,57587,550

8,471

1,609

6,862

210

187

23

8,261

1,422

6,839

119,414

19,208100,206

Normal assets

4,292,288

394,073

3,898,215

Total credit balance

4,411,703

413,2813,998,422

Sub-total(Ratio to total credit balance)(%)
March 31, 2022
(A)

March 31, 2021
(B)

Difference(A) – (B)Bankrupt and quasi-bankrupt assets

0.13(0.01)

0.14

Doubtful assets

2.38

0.20

2.18

Substandard assets

0.19

0.02

0.17

Past-due loans (3 months or more)

0.00

－

0.00

Restructured loans

0.18

0.01

0.17

2.70

0.20

2.50

Ratio to total credit balance8

(Note) Due to the enforcement of “Cabinet Office Order to Partially Amend the Ordinance for Enforcement of the Banking
Act, etc.” (Cabinet Office Order No. 3, January 24, 2020) effective March 31, 2022, “risk-monitored loans” categories etc.
based on the Banking Act are aligned with loan categories etc. disclosed under the Act on Emergency Measures for the
Revitalization of the Financial Functions (loans based on the Financial Reconstruction Act), and stated on the basis of total
credit balance which includes not only loans and bills discounted but also accrued interest, etc.

9

2. Coverage Status of Loans Based on the Financial Reconstruction Act
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)March 31, 2022
(A)
Covered amount(C)

Reserve for possible loan losses

March 31, 2021
(B)

Difference(A) – (B)105,398

20,922

84,476

23,623(899)

24,522Bankrupt and quasi-bankrupt assets

14,362248

14,114

Doubtful assets

8,480(1,350)9,830

Substandard loans

780

204

576

Collateral guarantees, etc.

81,774

21,82059,954Bankrupt and quasi-bankrupt assets

5,500

92

5,408

Doubtful assets

74,103

21,28852,815

Substandard loans
Problem assets(D)

Coverage ratio(C)/(D)

2,170

440

1,730

133,460

19,525

113,935

78.97

4.83

74.14

3. Status of Reserve for Possible Loan Losses
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2022
(A)
Reserve for possible loan losses

March 31, 2021
(B)

Difference(A) – (B)33,831431

33,400

Provision of general reserve for possible loan
losses10,879

1,638

9,241

Provision for individual possible loan losses

22,952(1,206)24,15810

4. Status of Problem Assets Subject to Disclosure
Kiraboshi Bank, Ltd. [Non-consolidated][Fiscal year ended March 31, 2022](Billions of yen)Self-assessment

Disclosed debts based on Financial Reconstruction Act(Object: Total credit, etc.)(Object: Total credit, etc.)

Classification ofborrowers
Bankrupt borrowers
6.4

Classification
Not
classified

6.0

Disclosed debts (credit
balance)

Classification Classification Classification
II

0.3

<0.8>

III

IV

─

─

(0.0)

(5.5)

19.8
10.5

2.9

─
(0.2)

49.9

32.6

22.5

Reserve

Coverage ratio

5.5

14.3

100.0%

Bankrupt and quasi-bankrupt

Virtually bankrupt
borrowers
13.4
<4.9>

Collateralguarantees,
etc.

─
(8.4)

<5.8>

<100.0%>Borrowers withbankruptcy concerns
105.1

Doubtful assets
105.1

74.1

8.4

78.5%

2.1

0.7

34.8%

81.7

23.6

78.9%

(8.4)
Past-due loans(3 months or

Substandard
loans
Borrowers
requiring
cautionSubstandard
borrowers

914.6

9.9

more)
0.2
Restructured
loans
8.2

0.6

Subtotal

9.3

133.4
Claims to borrowers
requiring caution,
excluding claims tosubstandard
borrowers

Borrowers
requiring
caution,excludingclaims to
substandard
borrowers

904.6<76.5%>

906.1
278.0

626.6

Normal borrowers

Normal assets

3,386.1

3,386.1

Total
4,425.7

3,731.3

4,292.2
671.8

22.5

Total
4,425.7

─<4,411.7>
Ratio to total debts<119.4>Total<4,411.7>
84.3%

15.1%

0.5%

─

(Notes) 1. Self-assessment includes loans, repayments for which payment is approved, foreign exchange, provisional
payment pursuant to loans, accrued interests and privately placed bonds guaranteed by banks. The amountfor privately placed bonds guaranteed by banks is recorded in fair value.
2. Brackets indicate the reserve amounts against the classified amounts based on the self-assessment results.
Reserves are recorded for non-classified loans.
3. Kiraboshi Bank, Ltd. did not take partial direct write-offs. Figures assuming the bank had taken partial direct
write-offs are provided in angled brackets.
4. Partial direct write-off means that, regarding debts with collateral/guarantees that are judged uncollectible orvalueless, the Classification IV amount is decreased from the debt amount directly as a loan loss write-off.

11

5. Loan Breakdown by Industrial Sector
Kiraboshi Bank, Ltd. [Non-consolidated](i) Loan breakdown by industrial sector(Millions of yen)
Balance at March 31,
2022 (A)All branches
Manufacturing
Agriculture, forestry
Fishery
Mining, quarrying of stone and gravel

Balance at March 31,
2021 (B)

Difference(A) – (B)4,369,783

431,739

3,938,044

347,532857

346,675

1,142

54

1,088

114

(70)

184

1,485

36

1,449

Construction

230,856

8,647

222,209

Electricity, gas and heat supplies, andwaterworks

23,478

10,20913,269Communication service

121,772

19,221

102,551

Transportation, postal activities

84,211(844)

85,055

Commerce

545,185

52,799492,386

Banks and other financial institutions

273,308

121,692

151,616

1,222,634

157,885

1,064,749(Real estate brokerage)

461,005

77,581

383,424(Real estate leasing)

761,62980,304

681,325

Goods rental and leasing

105,182

13,18292,000Scientific research, professional and technicalservices

82,7695,993

76,776

Real estate

Accommodations

18,579346

18,233

Restaurant businesses

56,631(3,417)60,048

Living-related and personal services,
amusement services

74,886

11,17363,713

Education, learning support

35,8495,045

30,804

Medical healthcare and welfare

172,870

25,112

147,758

Other services

131,143

22,311

108,832

Local governments

103,377(14,053)

117,430

Other

736,770(4,439)741,209(Notes) 1. As special international financial transaction account is included in “Other,” and the same applies for (ii)below.
2. “Real estate brokerage” consists of real estate services by businesses with a license for real estate
brokerage, while “Real estate leasing” consists of leasing by personal businesses mainly engaged inapartment management. The same applies for (ii) below.

12

(ii) Loan breakdown by industrial sector (ratio)(%)
Balance at March 31,
2022 (A)Balance at March 31,
2021 (B)

Difference(A) – (B)

100.00%－100.00%7.95%(0.85%)

8.80%

Agriculture, forestry

0.02%

－

0.02%

Fishery

0.00%

－

0.00%

Mining, quarrying of stone and gravel

0.03%

－

0.03%

Construction

5.28%(0.36%)

5.64%

Electricity, gas and heat supplies, andwaterworks

0.53%

0.20%

0.33%

Communication service

2.78%

0.18%

2.60%

Transportation, postal activities

1.92%(0.23%)

2.15%

Commerce

12.47%(0.03%)

12.50%All branches
Manufacturing

Banks and other financial institutions

6.25%

2.40%

3.85%

Real estate

27.97%

0.94%

27.03%(Real estate brokerage)

10.54%

0.81%

9.73%

(Real estate leasing)

17.42%

0.12%

17.30%

Goods rental and leasing

2.40%

0.07%

2.33%

Scientific research, professional and technicalservices

1.89%(0.05%)

1.94%

Accommodations

0.42%(0.04%)

0.46%

Restaurant businesses

1.29%(0.23%)

1.52%

Living-related and personal services,
amusement services

1.71%

0.10%

1.61%

Education, learning support

0.82%

0.04%

0.78%

Medical healthcare and welfare

3.95%

0.20%

3.75%

Other services

3.00%

0.24%

2.76%

Local governments

2.36%(0.62%)

2.98%

Other

16.86%(1.96%)

18.82%

13

(iii) Risk-monitored loans by industrial sector(Millions of yen)
Balance at March 31,
2022 (A)All branches
Manufacturing

Balance at March 31,
2021 (B)

Difference(A) – (B)

133,460

19,525

113,935

16,788

1,991

14,797

Agriculture, forestry

－

(2)

2

Fishery－－－

Mining, quarrying of stone and gravel

－

－

－

9,113

1,944

7,169

－

－

－

4,731

708

4,023

Construction
Electricity, gas and heat supplies, andwaterworks
Communication service
Transportation, postal activities

3,000

(74)

3,074

Commerce

38,1242,430

35,694

Banks and other financial institutions

148

(242)

390

23,32910,34912,980(Real estate brokerage)

13,287

10,785

2,502(Real estate leasing)

10,041(437)

10,478

Goods rental and leasing

1,387

182

1,205

Scientific research, professional and technicalservices

6,759

1,755

5,004

Real estate

Accommodations

2,079

(68)

2,147

Restaurant businesses

7,932

1,601

6,331

Living-related and personal services,
amusement services

2,800(2,179)4,979

Education, learning support

2,131

1,281

850

Medical healthcare and welfare

2,287

770

1,517

Other services

5,497

1,018

4,479

－

－

－

7,348

(1,939)

9,287

Local governments
Other(Note)

Due to the enforcement of “Cabinet Office Order to Partially Amend the Ordinance for Enforcement of the
Banking Act, etc.” (Cabinet Office Order No. 3, January 24, 2020) effective March 31, 2022, “riskmonitored loans” categories etc. based on the Banking Act are aligned with loan categories etc. disclosed
under the Act on Emergency Measures for the Revitalization of the Financial Functions (loans based on
the Financial Reconstruction Act), and stated on the basis of total credit balance which includes not only
loans and bills discounted but also accrued interest, etc.

14

6. Deposits and Loans
Kiraboshi Bank, Ltd. [Non-consolidated](i) Status of loans(Millions of yen, %)March 31, 2022
(A)
Loans (balance)(Excluding offshore accounts)
Loans to small and medium-sized enterprises

March 31, 2021
(B)

4,369,783

431,739

3,938,044(C)

4,369,783

431,739

3,938,044(D)

3,688,118

325,296

3,362,822

2,988,163

355,382

2,632,781

699,955(30,086)

730,04184.40(0.99)

85.39

4,116,724

208,478

3,908,246

Small and medium-sized enterprise loans
Personal loans
Percentage of total loans

Difference(A) – (B)

(D)/(C)

Loans (average balance)(ii) Consumer loan balance(Millions of yen)March 31, 2022
(A)
Consumer loan balance

Difference(A) – (B)

March 31, 2021
(B)

699,955(30,086)

730,041

Housing-related loans

635,271(8,111)

643,382

Other loans

64,684(21,975)

86,659(iii) Status of deposits(1) Kiraboshi Bank, Ltd.
(Millions of yen)March 31, 2022
(A)
Deposits (year-end balance)
Deposits

Difference(A) – (B)

March 31, 2021
(B)

5,057,232

53,854

5,003,378

5,045,602

55,1344,990,468

Personal deposits

3,040,241(19,894)

3,060,135

Corporate deposits

1,875,327

124,170

1,751,157

130,033(49,142)

179,175

Deposits
Negotiable certificates of deposit
Deposit (average balance)
Deposits
Negotiable certificates of deposit

11,630(1,280)12,9105,117,248

176,287

4,940,961

5,104,574

173,385

4,931,189

12,674

2,902

9,772

(2) UI Bank Co., Ltd.
(Millions of yen)March 31, 2022
(A)

Difference(A) – (B)

March 31, 2021
(B)

136,221

Deposits (year-end balance)
Deposits

136,221

Personal deposits

136,221

Deposit (average balance)

10,492
10,492

Deposits(Note) Year-on-year comparison with March 31, 2021 is not stated since UI Bank Co., Ltd. commenced operation in
January 2022.

15

(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)March 31, 2022
(A)
Deposits (year-end balance)

March 31, 2021
(B)

Difference(A) – (B)

5,193,453

Deposits

5,181,823

Personal deposits

3,176,462

Corporate deposits

1,875,327

Deposits

130,033

Negotiable certificates of deposit

11,630

Deposit (average balance)

5,127,741

Deposits

5,115,066

Negotiable certificates of deposit

12,674(Note) Year-on-year comparison with March 31, 2021 is not stated since UI Bank Co., Ltd. commenced operation in
January 2022.

(iv) Deposits and loan balances by region(1) Kiraboshi Bank, Ltd.
(Millions of yen)March 31, 2022
(A)
Deposits

March 31, 2021
(B)

Difference(A) – (B)

5,045,602

55,1344,990,468

Tokyo Metropolis

3,883,494

36,473

3,847,021

Kanagawa Prefecture

1,078,843

18,184

1,060,659

Others

83,263476

82,787

4,369,783

431,739

3,938,044

3,737,117

407,915

3,329,202

Kanagawa Prefecture

580,007

17,608562,399

Others52,6596,217

46,442

Loans
Tokyo Metropolis(2) UI Bank Co., Ltd.
(Millions of yen)March 31, 2022
(A)
Deposits

Difference(A) – (B)

March 31, 2021
(B)

136,221

Tokyo Metropolis

69,788Kanagawa Prefecture

23,859Others42,572(Note) Year-on-year comparison with March 31, 2021 is not stated since UI Bank Co., Ltd. commenced operation in
January 2022.

16

(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)March 31, 2022
(A)
Deposits

March 31, 2021
(B)

Difference(A) – (B)5,181,823

Tokyo Metropolis

3,953,282

Kanagawa Prefecture

1,102,702

Others125,835Loans

4,369,783

Tokyo Metropolis

3,737,117

Kanagawa Prefecture

580,007

Others52,659(Note) Year-on-year comparison with March 31, 2021 is not stated since UI Bank Co., Ltd. commenced operation in
January 2022.
Loans made by UI Bank Co., Ltd. as of March 31, 2022 are entirely loans to Kiraboshi Bank, Ltd. and are
therefore not included in the above table.

(v) Assets under management(1) Kiraboshi Bank, Ltd.
(Millions of yen)March 31, 2022
(A)
Assets under management

March 31, 2021
(B)

Difference(A) – (B)

412,491(6,193)

418,684

Investment trust

146,115(6,479)152,594

Life insurance

233,839

1,973

231,866

Public bonds

32,536(1,687)34,223(2) Kiraboshi Life Design Securities Co., Ltd.
(Millions of yen)March 31, 2022
(A)
Assets under management

173,132

Investment trust
Public bonds
OthersMarch 31, 2021
(B)

Difference(A) – (B)107,993

164,107

65,13960,038104,069

192

(64)

256

8,832

5,165

3,667

(3) Kiraboshi Bank, Ltd. And Kiraboshi Life Design Securities Co., Ltd. combined(Millions of yen)March 31, 2022
(A)
Assets under management585,623

Difference(A) – (B)

March 31, 2021
(B)
526,678

Investment trust

310,22258,94553,559Life insurance

233,839

1,973

231,866

Public bonds

32,728(1,752)

34,480

Others

8,832

5,165

3,667

17

256,663

(vi) Status of branches and employees(Branches, persons)March 31, 2022
(A)
Domestic head office and branch offices (including
representative offices)

March 31, 2021
(B)

Difference(A) – (B)

165

1

164

Tokyo Metropolis

124

(1)

125

Kanagawa Prefecture

37

2

35

Others

4

－

4

2,472

(126)

2,598

Number of executives and employees
Number of executives

12

1

11

Number of employees

2,460

(127)

2,587

(Note) For employees above, the number of employees, including executive officers, but excluding temporary
employees, fixed-term employees, and secondees, has been used.

(vii) Trust business
Kiraboshi Bank, Ltd.
(Millions of yen)March 31, 2022
(A)
Construction costcredit trust
Real estate
management trust

Other

Total

March 31, 2021
(B)

Difference(A) – (B)

Value of transactions
handled29,043(3,171)

32,214

Fiscal year-end balance

25,453

11,32914,124

Value of transactions
handled29,742

20,402

9,340

Fiscal year-end balance

53,95829,46424,494

Value of transactions
handled

23

(339)

362

Fiscal year-end balance

2,851

(26)

2,877

Value of transactions
handled58,81016,893

41,917

Fiscal year-end balance

82,26340,76741,49618

III. Valuation Gain/Loss on Securities
1. Valuation Standards
Trading-purpose securities

Mark-to-market method

Marketable bonds held to maturity

Amortized cost method

Available-for-sale securities

Mark-to-market method (Valuation gains or losses onavailable-for-sale securities are recorded as a separate
item under net assets.)
Cost method applied for stocks, etc. without market
value

Investments in subsidiaries and affiliates

Cost method

2. Gain/Loss on Valuation(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen)March 31, 2021
(B)

March 31, 2022
(A)

Gain (loss)
Gain (loss)onon valuation Valuation
Valuation
Valuation
Difference
valuation(B)(A) – (B)
gain
loss
gain
(A)

Valuation
loss

Marketable bonds held to maturity

(682)

(682)

－

682

－

－

－

Available-for-sale securities

3,797(13,674)

23,916

20,11817,471

27,362

9,891

Stocks

10,297(192)

11,385

1,088

10,48911,360870

Bonds(2,856)(5,380)

2,862

5,718

2,524

4,324

1,800

Others(3,643)(8,100)9,668

13,311

4,457

11,677

7,220

3,115

(14,356)

23,91620,801

17,471

27,362

9,891

Total

(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2021
(B)

March 31, 2022
(A)

Gain (loss)
Gain (loss)onon valuation Valuation
valuation Difference Valuation Valuation(B)(A) – (B)
gain
loss
gain
(A)

Valuation
loss

Marketable bonds held to maturity

(675)

(675)

－

675

－

－

－

Available-for-sale securities

7,151(14,540)

26,973

19,822

21,691

31,537

9,845

Stocks

9,754

(284)

10,951

1,196

10,038

11,121

1,083

Bonds

(638)

(6,047)

4,986

5,624

5,409

7,162

1,753

Others(1,964)(8,207)

11,036

13,001

6,243

13,252

7,008

6,475

(15,216)

26,973

20,497

21,691

31,537

9,845

Total

19