Tokyo TY Financial Group, Inc.
Listed Code: 7173
(URL: http://www.tokyo-tyfg.co.jp)
Listed Stock Exchange: TSE1
November 13, 2015

Consolidated Financial Reportfor the First Half of the Fiscal Year Ending March 31, 2016
<Under Japanese GAAP>
Representative: Akihiro Kakizaki, President
Responsible person for inquiries: Takeshi Miura, General Manager, Corporate Planning Division
Telephone: +81-3-5341-4301
Date of submission of quarterly security report: November 27, 2015
Date to start dividend payment: December 2, 2015
Establishment of special transaction account: Not establishedPreparation of supplementary material on financial results: Yes
Holding of financial results presentation meeting: None

Note: Figures have been rounded down to the nearest million yen.

1. Consolidated Operating Performance for the First Half of the Fiscal Year Ending March 31, 2016
(From April 1, 2015 to September 30, 2015)(1) Results in consolidated operations
Ordinary income

First half of the fiscal year ending March 31, 2016
First half of the fiscal year ended March 31, 2015

(Percentages represent year-on-year changes.)
Profit attributable toOrdinary profit
owners of parent(¥ million)(%)(¥ million)(%)(¥ million)(%)

39,791

–

6,697

–

4,790

–

–

–

–

–

–

–

(Note) Comprehensive income: First half of the fiscal year ending March 31, 2016: ¥3,144 million (– %)First half of the fiscal year ended March 31, 2015: ¥ – million (– %)Profit attributable toowners of parent
per share (¥)
First half of the fiscal year ending March 31, 2016164.79Profit attributable toowners of parent
per share (Diluted) (¥)
158.71––First half of the fiscal year ended March 31, 2015
(Note) As the Company was established on October 1, 2014, figures for the first half of the fiscal year ended March 31, 2015 andpercentage changes from the first half of the previous year are not provided.

(2) Consolidated financial position
Net assets tototal assets ratio(%)
September 30, 2015
5,120,565
204,850
3.9
March 31, 2015
4,943,828
202,580
4.0(Reference) Equity: September 30, 2015: ¥204,569 million
March 31, 2015: ¥ 202,334 million(Note) “Equity” consists of subscription rights to shares at the end of the period and non-controlling interests at the end of the period
subtracted from net assets, and the “Net assets to total assets ratio” is calculated by dividing equity by total assets at the end of theperiod. Note that this “Net assets to total assets ratio” is not the net assets to total assets ratio required for the Capital Adequacy Ratio
Notification.
Total assets(¥ million)

Total net assets(¥ million)

2. Dividends
Annual dividend per share (¥)(Record date)

First quarter

Second quarter

Third quarter

Fiscal year-end

AnnualFiscal year ended March 31, 2015

–

–

–

30.00

30.00

Fiscal year ending March 31, 2016

–

30.00
–

30.00

60.00

Fiscal year ending March 31, 2016 (Forecast)(Note 1) Changes to the dividend forecast most recently announced: None
(Note 2) As the Company was established on October 1, 2014, the interim dividend for the fiscal year ended March 31, 2015 was not
paid by the Company.

3. Forecast of Consolidated Operating Performance for the Fiscal Year Ending March 31, 2016
(From April 1, 2015 to March 31, 2016)(Percentages represent increases or decreases from the previous year results.)

Profit attributable toowners of parent

Ordinary profit(¥ million)(%)(¥ million)

Profit attributable toowners of parent per share

(%)

(¥)

12,900–8,500–
292.38Full-year(Note 1) Changes to the forecast of consolidated operating performance most recently announced: None
(Note 2) As the Company was established on October 1, 2014, percentage changes from the full-year period of the previous year are
not provided.

* Notes(1) Changes in significant subsidiaries during the current first-half period(Changes in specified subsidiaries resulting in change in scope of consolidation): None
New subsidiaries: ___ (name of company(ies)
Excluded subsidiaries: ___ (name of company(ies)))(2) Changes in accounting policies, changes in accounting estimates and restatement of prior period
financial statements after error corrections
a. Changes in accounting policies due to revisions to accounting standards: Noneb. Changes in accounting policies due to other reasons: Nonec. Changes in accounting estimates: None
d. Restatement of prior period financial statements after error corrections: None(3) Number of shares issued (common stock)a. Total number of shares issued at the end of the period (including treasury stock)
September 30, 2015

29,227,826 shares

March 31, 2015

29,227,826 sharesb. Number of treasury stock at the end of the period
September 30, 2015

163,085 shares

March 31, 2015

156,450 sharesc. Average number of shares during the period (cumulative from the beginning of the fiscal year)
First-half period ended September 30, 2015

29,067,653 sharesFirst-half period ended September 30, 2014

– shares(Note) As the Company was established on October 1, 2014, figures for the first half of the fiscal year ended March 31, 2015
are not provided.

(Non-consolidated Financial Statements)
1. Non-consolidated Operating Performance for the First Half of the Fiscal Year Ending March 31, 2016

(From April 1, 2015 to September 30, 2015)(1) Results in non-consolidated operations(Percentages represent year-on-year changes.)
Operating income

Operating profit(¥ million)(%)(¥ million)(%)(¥ million)

Ordinary profit(%)(¥ million)

Net income
(%)

1,295

–

926

–

797

–

817

–

–

–

–

–

–

–

–

–

First half of the fiscal
year ending March 31,
2016
First half of the fiscal
year ended March 31,
2015
Net income per share(¥)
First half of the fiscal
year ending March 31,

28.13

2016
First half of the fiscal
year ended March 31,–

2015(Note) As the Company was established on October 1, 2014, figures for the first half of the fiscal year ended March 31, 2015 andpercentage changes from the first half of the previous year are not provided.

(2) Non-consolidated financial position
Total assets(¥ million)

Total net assets(¥ million)

Net assets tototal assets ratio(%)

September 30, 2015
141,783
136,656
96.3
March 31, 2015
141,793
136,689
96.4(Reference) Equity: September 30, 2015: ¥136,609 million
March 31, 2015: ¥ 136,689 million(Note) “Equity” consists of subscription rights to shares at the end of the period subtracted from net assets, and the “Net assets tototal assets ratio” is calculated by dividing equity by total assets at the end of the period. Note that this “Net assets to total assets
ratio” is not the net assets to total assets ratio required for the Capital Adequacy Ratio Notification.

* Indication regarding execution of semi-annual audit proceduresThis quarterly financial report is exempt from the semi-annual audit procedures pursuant to the Financial Instruments
and Exchange Law. At the time of disclosure of this quarterly financial report, the semi-annual audit procedures to theConsolidated Interim Financial Statements and Non-consolidated Interim Financial Statements pursuant to the
Financial Instruments and Exchange Law are incomplete.

* Disclaimer and special note for referring to the forecast of operating performance
1. Since the Company falls under the category of specified company (a company undertaking businesses specified in
Article 17-15, Paragraph 2 of the Cabinet Office Ordinance on Disclosure of Corporate Affairs, etc.), it prepares theInterim Consolidated and Non-consolidated Financial Statements for the first-half accounting period.
2. Forward-looking statements concerning financial forecasts contained in these materials are based on information
available when the forecasts were made and certain assumptions judged to be reasonable. However, the Company
makes no guarantee that these forecasts will be achieved. Actual results may differ significantly from the forecasts due
to a variety of factors.

Attached Materials
Index
1. Qualitative Information Regarding Consolidated Results for the Six Months Ended September 30, 2015
(1)

Operating Results ····························································································

2(2)

Financial Position ····························································································

2(3)

Note on the Forecast of the Consolidated Operating Performance and Other Forward-Looking(4)Statements ·······························································································

2

Status of Important Business Contracts ······························································

2

2. Matters Regarding Summary Information (Notes)(1)

Changes in Significant Subsidiaries During the Six Months under Review ······················

3(2)

Changes in Presentation ····················································································

3

3. Consolidated Interim Financial Statements(1)

Consolidated Interim Balance Sheets ································································(2)

Consolidated Interim Statements of Income and Consolidated Interim Statements of

4

Comprehensive Income ··············································································

6(3)

Consolidated Interim Statements of Changes in Net Assets ······································

8(4)

Notes on Premise of Going Concern ·································································

8

4. Non-consolidated Interim Financial Statements(1)

Non-consolidated Interim Balance Sheets ···························································

9(2)

Non-consolidated Interim Statements of Income ···················································

10

(3)

Non-consolidated Interim Statements of Changes in Net Assets ·································

11

(4)

Notes on Premise of Going Concern ·······························································

11

5. (Reference) Overview of Major Consolidated Subsidiary Operating Performance(1)

Non-consolidated Financial Statements (The Tokyo Tomin Bank, Limited) ···················

12

(2)

Non-consolidated Financial Statements (The Yachiyo Bank, Limited) ·······························

15(Appendix)

Financial Results for the First Half of the Fiscal Year Ending March 31, 2016
- Supplementary Information-

1

1. Qualitative Information Regarding Consolidated Results for the Six Months Ended September 30,
2015(1) Operating Results
The Japanese economy during the six-month period under review (April 1, 2015 to September 30,2015) was on a moderate recovery led by a pick-up in business investment on the back of improving
corporate profits mainly among large companies and continued firmness of private consumption
underpinned by the improvement in employment and income situations, while minor slowness was seen
in some areas due to a slowdown in emerging and commodity-exporting economies including the Chinese
economy.
In the Tokyo metropolitan area where the Group has its principal operational base, the improvement inbusiness confidence of SMEs (“small and medium-sized enterprises”) appeared to hesitate due to factors
such as an increase in purchase prices caused by yen depreciation and rising personnel expenses. Business
confidence, however, is expected to continue showing a moderate increasing trend backed up by the 2020
Tokyo Olympics and Paralympics in addition to the underlying strength in private consumption reflecting
the improvement in employment and income situations as well as the increasing number of foreign
tourists.
With the above as a backdrop, for the consolidated operating results for the six months ended
September 30, 2015, ordinary income amounted to ¥39.7 billion, mainly attributable to interest income
including interest on loans and discounts. Ordinary expenses were ¥33.0 billion as a result of the effort to
reduce expenses with a focus on property expenses. Consequently, ordinary profit and profit attributableto owners of parent amounted to ¥6.6 billion and ¥4.7 billion, respectively.
(2) Financial Position
As of September 30, 2015, total assets amounted to ¥5,120.5 billion, up ¥176.7 billion from the end of
the previous fiscal year, and net assets stood at ¥204.8 billion, a ¥2.2 billion increase from the end of theprevious fiscal year.
With respect to major account balances, deposits increased ¥36.3 billion from the end of the previous
fiscal year to ¥4,527.6 billion, and loans and bills discounted increased ¥32.5 billion from the end of theprevious fiscal year to ¥3,327.3 billion, while securities decreased ¥ 44.7 billion to ¥1,192.0 billion.
(3) Note on the Forecast of the Consolidated Operating Performance and Other Forward-Looking
Statements
There are no changes from the consolidated operating performance forecast for the fiscal year ending
March 31, 2016 announced on May 15, 2015.
(4) Status of Important Business Contracts(Final Agreement Regarding Business Integration (Share Exchange) Between the Company and
ShinGinko Tokyo, Limited)
On September 25, 2015, the respective boards of directors of the Company and ShinGinko Tokyo,
Limited (President: Hidenori Tsunehisa; hereafter, “ShinGinko Tokyo”) resolved a business integration
through a share exchange with an effective date of April 1, 2016 in which the Company would be thewholly owning parent company and ShinGinko Tokyo the wholly owned subsidiary after the shareexchange, provided that approvals at the respective general meetings of shareholders and classshareholders meetings as well as at the relevant authorities necessary for the business integration are
obtained. On the same day, the Company and ShinGinko Tokyo signed a Share Exchange Agreement andBusiness Integration Agreement.

2

(“Agreement on a Comprehensive Affiliation for Industrial Development in Tokyo” with the Tokyo
metropolitan government)
On September 25, 2015, the Company, Tokyo Tomin Bank (President: Akihiro Kakizaki), Yachiyo
Bank (President: Hirokazu Tahara) and ShinGinko Tokyo concluded with the Tokyo metropolitan
government the “Agreement on a Comprehensive Affiliation for Industrial Development in Tokyo” withthe aim of working together for industrial development, including providing support to SMEs, for thesake of Tokyo’s sustainable economic development.
2. Matters Regarding Summary Information (Notes)(1) Changes in Significant Subsidiaries During the Six Months under Review
Not Applicable.
From the six months ended September 30, 2015, Tomingin Office Support Center Co., Ltd., a former
consolidated subsidiary, was excluded from the scope of consolidation due to the completion ofliquidation on September 28, 2015, which does not fall under a change in specified subsidiaries.
(2) Changes in Presentation
In accordance with the provision set forth in Paragraph 39 of the “Accounting Standard forConsolidated Financial Statements” (ASBJ Statement No. 22, issued on September 13, 2013), changes are
made to the presentation of “Net income” to “Profit” and other relevant items, and “Minority interests” ischanged to “Non-controlling interests” from the six months ended September 30, 2015. Figures in theConsolidated Financial Statements for the year ended March 31, 2015 were reclassified to reflect thesechanges.

33. Consolidated Interim Financial Statements(1) Consolidated Interim Balance Sheets(¥ million)
As of March 31, 2015

As of September 30, 2015

AssetsCash and due from banks

298,834

462,062

Call loans and bills bought

28,93839,356

Other debt purchased

3,012

2,125

Trading account securities

607

490

Securities

1,236,834

1,192,068

Loans and bills discounted

3,294,802

3,327,337

Foreign exchange

7,731

9,218

Other assets

21,01833,978

Tangible fixed assets

53,61353,291Intangible fixed assets

3,295

2,523

Deferred assets

74

65

Net defined benefit assets

10,777

12,042

Deferred tax assets

6,570

6,551

Customers’ liabilities for acceptances and guarantees

6,630

6,524

Reserve for possible loan losses
Total assets(28,913)(27,068)

4,943,828

5,120,565

4,491,306

4,527,656

27,03849,519Liabilities
Deposits
Negotiable certificates of deposit–

361

140,876

262,398

Borrowed money

7,409

7,456

Foreign exchanges

139

143

25,60019,600Call money and bills soldPayables under securities lending transactions

Bonds payable
Bonds with subscription rights to shares

5,000

5,000

Other liabilities

30,01230,172

Reserve for employee bonuses

2,074

2,139

Net defined benefit liabilities

3,326

2,873

Reserve for directors’ retirement benefits

137

74

Reserve for point card certificates

51

50

Provision for loss on interest repayments

14

10

Reserve for loss on dormant deposit repayments

844

942

Provision for contingent loss

740

714

Deferred tax liabilities

30

61

Deferred tax liabilities for land revaluation

15

15

Acceptances and guarantees
Total liabilities

4

6,630

6,524

4,741,248

4,915,714(¥ million)
As of March 31, 2015

As of September 30, 2015

Net Assets
Common stock

20,00020,000Capital surplus

99,607

99,607Retained earnings

73,245

77,163

Treasury stock

(544)

(570)

192,308

196,200

9,784

8,109

Total shareholders’ equity
Net unrealized gain on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for land
Foreign currency translation adjustment
Remeasurements of defined benefit plans
Total accumulated other comprehensive income

2

5

(210)

(210)

17

15

432

447

10,026

8,368

Subscription rights to shares–

46

Non-controlling interests

245

235

Total net assets

202,580

204,850

Total liabilities and net assets

4,943,828

5,120,565

5

(2) Consolidated Interim Statements of Income and Consolidated Interim Statements ofComprehensive Income
Consolidated Interim Statements of Income(¥ million)
First half of the fiscal year
ending March 31, 2016
Ordinary income

39,791

Interest income

28,315Interest on loans and discounts

23,135Interest and dividends on securities

4,638

Fees and commissions

8,008

Other operating income

2,283

Other ordinary income

1,184

Ordinary expenses

33,093

Interest expenses

1,819Interest on deposits

1,132

Fees and commissions payments

1,463

Other operating expenses

75

General and administrative expenses

27,865

Other ordinary expenses

1,869

Ordinary profit

6,697

Extraordinary income

258

Gain on disposal of non-current assets

258

Extraordinary losses

87

Loss on disposal of non-current assets

87

Income before income taxes

6,869

Income tax – current

1,365

Income tax – deferred

701

Total income taxes

2,067

Profit4,801

Profit attributable to non-controlling interests

11

Profit attributable to owners of parent

4,790

6

Consolidated Interim Statements of Comprehensive Income(¥ million)
First half of the fiscal year
ending March 31, 2016
Profit4,801

Other comprehensive income(1,657)Net unrealized gain on available-for-sale securities(1,629)Deferred gains or losses on hedges

3

Revaluation reserve for land0

Foreign currency translation adjustments(1)

Remeasurements of defined benefit plans
Share of other comprehensive income of entities accounted forusing equity method
Comprehensive income

14
(44)
3,144

(Breakdown)Comprehensive income attributable to owners of parent

3,132

Comprehensive income attributable to non-controlling interests

712

(3) Consolidated Interim Statements of Changes in Net Assets(First half of the fiscal year ending March 31, 2016)(¥ million)
Shareholders’ equity

Balance at beginning of
the year
Changes of items during
the reporting period

Common stock

Capital surplus

20,00099,607Retainedearnings

Balance at end of period

Totalshareholders’equity(544)

192,308

73,245

Dividends of surplus
Profit attributable toowners of parent
Acquisition oftreasury stock
Disposition oftreasury stock
Net changes of items
other thanshareholders’ equity
during the reporting
periodTotal changes of items
during the reporting
periodTreasury stock

(872)

(872)

4,790

4,790
(27)

(27)

1

1

0

–

0

3,918

(25)

3,892

20,00099,607

77,163(570)

196,200

Accumulated other comprehensive incomeNet
unrealized
gain onavailable-forsale securities
Balance at beginning of
the year
Changes of items
during the reporting
period9,784

Deferred
gains orlosses onhedges

Revaluation
reserve forland

Foreigncurrencytranslation
adjustment

(210)

17

2

Total
Remeasurements accumulatedof definedotherbenefit planscomprehensive
income432

10,026

Subscription
rights toshares–Non-controllinginterests

245

Dividends of surplus
Profit attributable toowners of parent
Acquisition oftreasury stock
Disposition oftreasury stock
Net changes of items
other thanshareholders’ equity
during the reporting
periodTotal changes of items
during the reporting
periodBalance at end of
periodTotal net
assets

202,580

(872)
4,790
(27)
1

(1,674)

3

0

(1)

14

(1,658)46(10)(1,621)(1,674)

3

0

(1)

14

(1,658)

46

(10)

2,270

8,109

5

(210)

15

447

8,368

46

235

204,850(4) Notes on Premise of Going Concern
Not applicable.

84. Non-consolidated Interim Financial Statements(1) Non-consolidated Interim Balance Sheets(¥ million)
As of March 31, 2015

As of September 30, 2015

1,544

1,623

–

27

AssetsCurrent assets
Cash and due from banks
Accounts receivable – otherPrepaid expenses

1

1

Income taxes receivable

312

182

Deferred tax assets

14

38

Total current assets

1,873

1,873

134,845

134,845

5,000

5,000

139,845

139,845

139,845

139,845

Organization expenses

64

57

Share issuance cost

97

Non-current assets
Investments and other assets
Shares of subsidiaries and associates
Loans receivable from subsidiaries and associates
Total investments and other assets
Total ｎon-current assets
Deferred assets

Total deferred assets

74

65

141,793

141,783

Accounts payable – other34

0Accrued expenses–

71

Dividends payable–

6

Income taxes payable

34

6

Deposits received

10

10

Reserve for employee bonuses

24

30

Total current liabilities

103

127

Bonds with subscription rights to shares

5,000

5,000

Total non-current liabilities

5,000

5,000

5,103

5,127

20,00020,000

5,000

5,000

Other capital surplus

110,276

110,277

Total capital surplus

115,276

115,277

1,957

1,902

1,957

1,902

(544)

(570)

136,689

136,609

Total assets
Liabilities
Current liabilities

Non-current liabilities

Total liabilities
Net assets
Shareholders’ equity
Common stock
Capital surplus
Capital reserve

Retained earnings
Other retained earnings
Retained earnings brought forward
Total retained earnings
Treasury stock
Total shareholders’ equity
Subscription rights to shares
Total net assets
Total liabilities and net assets

9

–

46

136,689

136,656

141,793

141,783(2) Non-consolidated Interim Statements of Income(¥ million)
First half of the fiscal year
ending March 31, 2016
Operating income
Dividends from subsidiaries and associates

893

Commissions from subsidiaries and associates

402

Total operating income

1,295

Operating expenses
Selling, general and administrative expenses

369

Total operating expenses

369

Operating profit

926

Non-operating income
Interest income

53

Miscellaneous income

0

Total non-operating income

54

Non-operating expenses
Interest expenses

53

Commission fee

120

Amortization of deferred organization expenses

7

Amortization of share issuance cost1

Total non-operating expenses

183

Ordinary profit

797

Income before income taxes

797

Income taxes - current

2

Income taxes - deferred(23)

Total income taxes(20)

Net income

817

10

(3) Non-consolidated Interim Statements of Changes in Net Assets(First half of the fiscal year ending March 31, 2016)(¥ million)
Capital surplus

Commonstock

Balance at beginningof the year
Changes of items
during the reporting
periodOther
capitalsurplus5,000

110,276

136,689

Subscription
rights toshares–Total net
assetsDividends of surplus

(872)

(872)

(872)

(872)

Net income

817

817

817

817

(27)

(27)

(27)

1

1

1

0

(544)

Total
shareholders’equity1,957

0115,276

Treasury
stock

1,957

Acquisition oftreasury stock
Disposition oftreasury stock
Net changes of
items other thanshareholders’equity during thereporting period
Total changes of
items during thereporting period
Balance at end of
period20,000Capitalreserve

Shareholders’ equity
Retained earnings
Otherretainedearnings
Total
Total
capitalretained
Retained
surplusearnings
earnings
brought
forward136,689

46

46

–

–

0

0

(54)

(54)

(25)

(79)

46

(33)

20,0005,000

110,277

115,277

1,902

1,902

(570)

136,60946

136,656(4) Notes on Premise of Going Concern
Not applicable.

115. (Reference) Overview of Major Consolidated Subsidiary Operating Performance(1) Non-consolidated Financial Statements (The Tokyo Tomin Bank, Limited)
November 13, 2015
Company name： The Tokyo Tomin Bank, Limited
Representative: Akihiro Kakizaki, President
Responsible person for inquiries: Yousuke Kido, General Manager, Corporate Planning Division
URL: http://www.tominbank.co.jp
Telephone: +81-3-3582-8251
Note: Figures have been rounded down to the nearest million yen.

1. Non-consolidated Operating Performance for the First Half of the Fiscal Year Ending March 31,

2016 (From April 1, 2015 to September 30, 2015)(1) Results in non-consolidated operations (Cumulative)(Percentages represent year-on-year changes.)
Ordinary income

First half of the fiscal year
ending March 31, 2016
First half of the fiscal year
ended March 31, 2015

Ordinary profit

Net income(¥ million)(%)(¥ million)(%)(¥ million)(%)

21,452

(5.6)

3,661

(6.4)

2,771

8.2

22,736

0.6

3,913

75.5

2,559

39.6

(2) Non-consolidated financial position

September 30, 2015

Total assets(¥ million)

Total net assets(¥ million)

Net assets to total assets ratio(%)

2,847,173
2,687,314

90,522
89,225

3.1
3.3

March 31, 2015
(Reference) Equity: September 30, 2015: ¥90,522 million
March 31, 2015: ¥89,225 million(Note) “Equity” is the total net assets at the end of a period and “Net assets to total assets ratio” is calculated by dividing equity bytotal assets at the end of the period. Note that this “Net assets to total assets ratio” is not the net assets to total assets ratio
required for the Capital Adequacy Ratio Notification.

12

○ Non-consolidated Interim Financial Statements(1) Non-consolidated Interim Balance Sheets
The Tokyo Tomin Bank, Limited(¥ million)
As of March 31, 2015

As of September 30, 2015

213,293

325,980

3,442

3,346

65

3

AssetsCash and due from banks
Call loans
Other debt purchased
Trading account securities
Securities
Loans and bills discounted

177

32

586,219620,076

1,828,147

1,841,112

Foreign exchange

5,544

4,341

Other assets

12,483

11,636

Tangible fixed assets

32,25932,401Intangible fixed assets

1,850

1,377

Prepaid pension cost

11,607

12,931

Deferred tax assets

5,597

5,121

Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets

3,133

3,402

(16,508)(14,592)

2,687,314

2,847,173

2,379,799

2,401,052

25,83846,056–361

Liabilities
Deposits
Negotiable certificates of deposit
Call money
Payables under securities lending transactions

140,876

262,398

Borrowed money

7,209

7,256

Foreign exchanges

138

143

Bonds payable

25,60019,600

Other liabilities

13,757

14,561

Reserve for employee bonuses

1,076

1,088

101

53

Reserve for directors’ retirement benefits
Reserve for point card certificates2

2

Reserve for loss on dormant deposit repayments

236

334

Provision for contingent loss

302

323

Deferred tax liabilities for land revaluation

15

15

3,133

3,402

2,598,089

2,756,650

Common stock

48,12048,120Capital surplus

18,08318,083Retained earnings

15,36917,693

Total shareholders’ equity

81,57383,897Net unrealized gain on available-for-sale securities

7,862

6,835

Revaluation reserve for land

(210)

(210)

Acceptances and guarantees
Total liabilities
Net Assets

Total valuation and translation adjustments

7,651

6,625

Total net assets

89,22590,522

2,687,314

2,847,173

Total liabilities and net assets

13

(2) Non-consolidated Interim Statements of Income
The Tokyo Tomin Bank, Limited(¥ million)
First half of the fiscal year First half of the fiscal year
ended March 31, 2014
ending March 31, 2015
Ordinary income

22,736

21,452

Interest income

15,905

15,597

Interest on loans and discounts

13,51812,450Interest and dividends on securities

2,195

2,926

4,578

4,184

Other operating income

982

1,075

Other ordinary income

1,269

595

Ordinary expenses

18,823

17,790Interest expenses

1,128

1,153

Fees and commissions

Interest on deposits
Fees and commissions payments
Other operating expenses

592

544

1,429

1,282

14

15

General and administrative expenses

15,164

14,234

Other ordinary expenses

1,084

1,104

Ordinary profit

3,913

3,661

–

252

Gain on liquidation of subsidiaries–

252

Extraordinary losses
Loss on disposal of non-current assets

51

76

51

76

Extraordinary income

3,861

3,836

Income taxes – current

271

89

Income taxes – deferred

1,031

975

Total income taxes

1,302

1,065

Net income

2,559

2,771

Income before income taxes

14

(2) Non-consolidated Financial Statements (The Yachiyo Bank, Limited)
November 13, 2015
Company name: The Yachiyo Bank, Limited
Representative: Hirokazu Tahara, President
Responsible person for inquiries: Hiroshi Adachi, Executive Officer, General Manager of Corporate
Planning Division
URL: http://www.yachiyobank.co.jp
Telephone: +81-3-3352-2295
Note: Figures have been rounded down to the nearest million yen.

1. Non-consolidated Operating Performance for the First Half of the Fiscal Year Ending March 31,

2016 (From April 1, 2015 to September 30, 2015)(1) Results in non-consolidated operations (Cumulative)(Percentages represent year-on-year changes.)
Ordinary income

First half of the fiscal year
ending March 31, 2016
First half of the fiscal year
ended March 31, 2015

Ordinary profit

Net income(¥ million)(%)(¥ million)(%)(¥ million)(%)

18,529(10.3)

3,541(26.7)

2,489(27.8)

20,674

(5.3)

4,837

(2.7)

3,451

3.9

(2) Non-consolidated financial position

September 30, 2015

Total assets(¥ million)

Total net assets(¥ million)

Net assets to total assets ratio(%)

2,272,426
2,254,512

106,007
104,726

4.6
4.6

March 31, 2015
(Reference) Equity: September 30, 2015: ¥106,007 million
March 31,2015: ¥104,726 million(Note) “Equity” is the total net assets at the end of a period and “Net assets to total assets ratio” is calculated by dividing equity bytotal assets at the end of the period. Note that this “Net assets to total assets ratio” is not the net assets to total assets ratio
required for the Capital Adequacy Ratio Notification.

15

○ Non-consolidated Interim Financial Statements(1) Non-consolidated Interim Balance Sheets

The Yachiyo Bank, Limited(¥ million)
As of March 31, 2015

As of September 30, 2015

Cash and due from banks

85,467136,014

Call loans

25,49536,009Other debt purchased

2,946

2,121

429

458

AssetsTrading account securities
Securities

637,916

560,437

1,466,028

1,485,711

2,186

4,876

Other assets

4,690

18,697

Tangible fixed assets

30,176

29,602Intangible fixed assets

1,265

1,007

Deferred tax assets

4,551

4,680

Loans and bills discounted
Foreign exchange

Customers’ liabilities for acceptances and guarantees

3,497

3,121

Reserve for possible loan losses(10,139)(10,314)

Total assets

2,254,512

2,272,426

2,122,761

2,138,468

Negotiable certificates of deposit

3,930

6,193

Borrowed money

5,000

5,000

Liabilities
Deposits

Foreign exchanges

0

0

6,447

5,895

Reserve for employee bonuses

869

937

Reserve for retirement benefits

3,546

3,186

608

608

Other liabilities

Reserve for loss on dormant deposit repayments
Provision for contingent loss
Deferred tax liabilities for land revaluation
Acceptances and guarantees

438

391

2,687

2,614

3,497

3,121

2,149,786

2,166,418

Common stock

43,73443,734

Capital surplus

32,922

32,922

Total liabilities
Net Assets

Retained earnings

23,57425,755

Total shareholders’ equity

100,232

102,412

Net unrealized gain on available-for-sale securities

3,891

3,119

Deferred gains or losses on hedges

(12)

(9)

Revaluation reserve for land

615

484

4,494

3,594

Total valuation and translation adjustments
Total net assets
Total liabilities and net assets

16

104,726

106,0072,254,512

2,272,426

(2) Non-consolidated Interim Statements of Income
The Yachiyo Bank, Limited(¥ million)
First half of the fiscal year First half of the fiscal year
ended March 31, 2014
ending March 31, 2015
Ordinary income

20,674

18,529Interest income

14,485

13,960Interest on loans and discounts

11,25910,660Interest and dividends on securities

2,905

2,973

Fees and commissions

2,657

3,015

Other operating income

1,377

1,095

Other ordinary income

2,153

457

Ordinary expenses

15,837

14,988Interest expenses

726

664

Interest on deposits
Fees and commissions payments
Other operating expenses
General and administrative expenses
Other ordinary expenses
Ordinary profit
Extraordinary income
Gain on disposal of non-current assets
Extraordinary losses
Loss on deposal of non-current assets
Income before income taxes

653

588

1,107

714

–

–

13,336

12,959

667

649

4,837

3,541

0

162

0

162

3

33

3

33

4,833

3,669

Income taxes – current

844

1,015

Income taxes – deferred

538

164

Total income taxes

1,382

1,179

Net income

3,451

2,489

17