Financial Results
for the First Half of the Fiscal Year Ending March 31, 2024
- Supplementary Information -[Contents]
I. Overview of Financial Results for the First Half of the Fiscal Year Ending March 31, 2024
1. Status of Profit/Loss ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

1–3

2. Business Income ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 4
3. Margin ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 4
4. ROE ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 5
5. OHR ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 6
6. Gain/Loss on Securities ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 7
7. Capital Ratio (Domestic Standards) ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

8–9

II. Status of Loans
1. Risk-monitored Loans and Loans Based on the Financial Reconstruction Act ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10
2. Coverage Status of Loans Based on the Financial Reconstruction Act ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 11
3. Status of Reserve for Possible Loan Losses ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 11
4. Status of Problem Assets Subject to Disclosure ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 12
5. Loan Breakdown by Industrial Sector ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 13–14
6. Deposits and Loans ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 15–20
III. Valuation Gain/Loss on Securities
1. Valuation Standards ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 21
2. Gain/Loss on Valuation ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 21

I. Overview of Financial Results for the First Half of the Fiscal Year Ending March 31, 2024
1. Status of Profit/Loss(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated]
Ordinary income in the first half of the fiscal year ending March 31, 2024 increased by ¥9,360 million year-on-year to¥69,968 million, while ordinary profit increased by ¥5,092 million year-on-year to ¥18,309 million. Profit attributableto owners of parent increased by ¥4,848 million year-on-year to ¥13,473 million.
(Millions of yen)First half ended
Sept. 30, 2023 (A)First half ended
Sept. 30, 2022 (B)Difference(A) – (B)

Ordinary income

1

69,9689,360

60,608Gross business profit

244,355

4,697

39,657(Excluding gains/losses on bonds (five accounts
total))

3

47,931

3,407

44,523

Net interest income

439,2385,574

33,663

Trust fees

5

168

(52)

221

Net fees and commissions

6

8,948

1,877

7,071

Net other business income (loss)

7(4,000)(2,701)(1,298)

Expenses (excluding non-recurring losses)

830,4122,040

28,372Credit-related costs

9

392

(107)

500

Write-off of loans

10

1

(1)

2

Transfer to reserve for individual possible
loan losses

11

34(1,665)

1,699

Other credit-related costs

12

356

1,559

(1,202)

Gains (losses) on stocks and other securities

13

4,759

1,724

3,034

Profit (loss) on investments based on the equity
method

14

2

(2)

4

Others

15

(2)

604

(607)

Ordinary profit

16

18,309

5,092

13,217Extraordinary profit (loss)

17

(64)

(1,027)

963

Income before income taxes

18

18,244

4,064

14,180Total income taxes

19

4,789

(818)

5,608

Income taxes – current

20

4,384

1,032

3,351

Income taxes – deferred

21

405

(1,851)

2,256

Profit22

13,455

4,883

8,572

Loss attributable to non-controlling interests

23

(18)

34

(53)

Profit attributable to owners of parent

24

13,473

4,848

8,625

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

Consolidated subsidiaries

25

17

1

16

Equity-method affiliates

26

3

－

3

1

(2) Kiraboshi Bank, Ltd.
In the first half of the fiscal year ending March 31 2024, although there was a decrease in dividends received from affiliates and anincrease in expenses including higher personnel costs resulting partly from base-pay increases, non-consolidated ordinary profit increased by ¥487 million year-on-year to ¥22,251 million, as a result of such factors as an increase in interest on loans and discounts
due in part to promotion of main bank relationship-building and business financing activities, combined with a decrease in credit-related costs and an increase in gains on sales notably of equity securities held for pure investment. Net income for the first half ended
September 30, 2023 increased by ¥351 million year-on-year to ¥17,684 million.
* An amount equivalent to ¥3,514 million (¥6,470 million in the period ended September 30, 2022) in profit on investments based on
the equity method, which was posted in the Tokyo Kiraboshi Financial Group’s accounts in the previous fiscal year, is included in
net interest income as dividends from affiliates.

[Non-consolidated](Millions of yen)First half ended
Sept. 30, 2023 (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
Net other business income (loss)
Gross international business profit(Excluding gains/losses on bonds (five accounts total))
Net interest income
Net fees and commissions
Net other business income (loss)
Expenses (excluding non-recurring losses)
Personnel expenses
Non-personnel expenses
Taxes
Net business income (before transfer to reserve for general possible loan losses)(Net business income)(Excluding gains/losses on bonds (five accounts total)) (Core business income)Net core business income (excluding gains ([losses]) on cancellation of investment
trusts)Net core business income (excluding special factors) (Notes) 1
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
Ordinary profit (excluding special factors) (Notes) 2
Extraordinary profit (loss)
Income before income taxes

2

Difference(A) – (B)First half ended
Sept. 30, 2022 (B)

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

61,42445,275
48,77744,27845,61339,004168
6,603(1,498)
997
3,163
3,547
88
(2,638)26,251
11,598
12,108
2,544

1,585
50
62
(3,869)
387
1,202
(52)
1,665
(6,684)
3,920
(324)
1,336
(10)
2,594
1,225
605
386
232

59,83845,22548,714
48,14845,22637,802
221
4,938
5,185
(2,922)
3,488
2,211
98
(5,232)25,026
10,992
11,7212,311

19

19,024(1,174)

20,19820

22,526(1,162)

23,68821

21,468(2,294)23,763

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

19,011
－

5,164
1,302
(2,477)(12)
2,964(1,439)－13,846(1,302)21,501(3,489)
262
1,783
－

(1,666)
(4)
(45)
269
7
567
195
1,812
1,916
72
31
(1,051)487
3,442(1,480)
(993)

1,666
－

19,024(3,501)
3,227
343
－
－
(4)
(22)
356
14
567
226
4,832
5,024
161
31
(2,055)22,251
18,736(64)
22,187

23
86
6
－
30
3,019
3,108
88
－
(1,004)
21,764
15,293
1,415
23,180Income taxes
Income taxes – current
Income taxes – deferred
Net income
Net income (excluding special factors) (Notes) 2

45
46
47
48

4,502
3,849
653
17,684(1,344)810(2,155)
351

5,847
3,038
2,808
17,332

49

14,1693,307

10,862Credit-related costs

50

(223)

(704)

480

(Notes) 1.

2.

(1)＋(2)－(3)Indicates an amount exclusive of dividends received from equity-method affiliate that were sourced from sale of real estate by thesaid equity-method affiliate (¥3,514 million in the current period, ¥6,470 million in the same period of the previous fiscal year), andgains from derivatives transactions associated with unwinding of asset swaps (not applicable in the current period, ¥3,371 million
in the same period of the previous fiscal year).
Indicates an amount exclusive of dividends received from equity-method affiliate that were sourced from sale of real estate by thesaid equity-method affiliate (¥3,514 million in the current period, ¥6,470 million in the same period of the previous fiscal year).

[Consolidated](Millions of yen)First half ended
Sept. 30, 2023 (A)Ordinary income
Ordinary profit
Profit attributable to owners of parent

51
52
53

3

60,38819,12014,434

Difference(A) – (B)

6,657
3,365
3,212

First half ended
Sept. 30, 2022 (B)53,731
15,755
11,221

2. Business Income
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)First half ended
Sept. 30, 2023 (A)Net business income (before provision for generalreserve for possible loan losses)

19,024Per employee (thousands of yen)
Business Income
Per employee (thousands of yen)
Net core business income
Per employee (thousands of yen)First half ended
Sept. 30, 2022 (B)Difference(A) – (B)
(1,174)

20,198

8,130

(87)

8,217

19,024(2,477)21,501

8,130

(617)

8,747

22,526(1,162)

23,688

9,626

(10)

9,637

(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]<Combined basis>(%)
First half ended
Sept. 30, 2023 (A)First half ended
Sept. 30, 2022 (B)Difference(A) – (B)Yields on interest-earning assets

(C)

1.49

0.15

1.34

Loans and bills discounted

(c)

1.36

0.11

1.24

Securities
Cost of funding
Deposits, etc.

2.73

0.04

2.69

(D)

0.95

0.11

0.84

(d)

0.02

0.01

0.01

0.70

0.51

0.18

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

1.33

0.10

1.23

Net interest margin(C)－(D)

0.53

0.03

0.50

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

<Domestic Operations>(%)
First half ended
Sept. 30, 2023 (A)Difference(A) – (B)First half ended
Sept. 30, 2022 (B)Yields on interest-earning assets

(C)

1.34

Loans and bills discounted

(c)

1.29

0.08

1.21

2.50

(0.42)

2.93

Securities
Cost of funding
Deposits, etc.

0.07

1.27

(D)

0.90

0.08

0.81

(d)

0.01

(0.00)

0.01

0.38

0.29

0.09

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

1.28

0.08

1.20

Net interest margin(C)－(D)

0.44(0.00)

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

44. ROE
Tokyo Kiraboshi Financial Group, Inc. [Consolidated](%)
First half ended
Sept. 30, 2023 (A)On basis of profit attributable to owners of parent

8.11

Difference(A) – (B)
2.65

First half ended
Sept. 30, 2022 (B)5.46(Note) Average net assets, the denominator, is computed as the sum of net assets at the beginning and the end of theperiod, divided by two.

Kiraboshi Bank, Ltd. [Non-consolidated](%)
First half ended
Sept. 30, 2023 (A)Difference(A) – (B)First half ended
Sept. 30, 2022 (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

11.71(1.47)

13.18

On a basis of net business income

11.71(2.32)

14.04

On a basis of net core business income

13.87(1.59)

15.46

On the basis of net income

10.89(0.42)

11.31(Note) Average net assets, the denominator, is computed as the sum of net assets at the beginning and at the end of theperiod, divided by two.

Kiraboshi Bank, Ltd. [Non-consolidated] (exclusive of dividends received from affiliates)(%)
First half ended
Sept. 30, 2023 (A)Difference(A) – (B)First half ended
Sept. 30, 2022 (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

9.70

0.64

9.06

On a basis of net business income

9.70(0.21)

9.92

On a basis of net core business income

11.89

0.53

11.36

On the basis of net income

8.86

1.69

7.16

(Note) 1. Average net assets, the denominator, is computed as the sum of net assets at the beginning and the end of theperiod, divided by two.
2. Dividends from affiliates are deducted in the amount of ¥3.5 billion for the first half ended September 30, 2023,
and ¥6.4 billion for the first half ended September 30, 2022.

Kiraboshi Bank, Ltd. [Consolidated](%)
First half ended
Sept. 30, 2023 (A)Difference(A) – (B)First half ended
Sept. 30, 2022 (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

9.03

0.09

8.94

On a basis of net business income

9.03(0.73)

9.77

On a basis of net core business income

11.12(0.01)

11.14

On basis of profit attributable to owners of parent

8.60

1.53

7.06

(Note) Average net assets, the denominator, is computed as the sum of net assets at the beginning and at the end of theperiod, divided by two.

5

5. OHR
Kiraboshi Bank, Ltd. [Non-consolidated](%)
First half ended
Sept. 30, 2023 (A)Difference(A) – (B)First half ended
Sept. 30, 2022 (B)On a basis of gross core business profit

53.81

2.44

51.37

On a basis of gross business profit

57.98

2.64

55.33

(Note) .

OHR＝

Expenses
Gross business profit

× 100

Kiraboshi Bank, Ltd. [Non-consolidated] (exclusive of dividends received from affiliates)(%)
First half ended
Sept. 30, 2023 (A)Difference(A) – (B)First half ended
Sept. 30, 2022 (B)On a basis of gross core business profit

57.99(1.24)

59.24

On a basis of gross business profit

62.86(1.71)

64.57(Note) 1.

OHR＝

Expenses

× 100
Gross business profit
2. Dividends from affiliates are deducted in the amount of ¥3.5 billion for the first half ended September 30,
2023, and ¥6.4 billion for the first half ended September 30, 2022.

6

6. Gain/Loss on Securities
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)First half ended
Sept. 30, 2023 (A)First half ended
Sept. 30, 2022 (B)Difference(A) – (B)

Gains (losses) on bonds(3,501)(12)(3,489)Gain on sale of bonds

823(3,520)

4,344

－

(105)

105

4,325

(3,613)

7,939

Loss on redemption of bonds

－

－

－

Loss on devaluation of bonds

－

－

－

4,832

1,812

3,019

Gain on sale of equity securities

5,024

1,916

3,108

Loss on sale of equity securities

161

72

88

Loss on devaluation of equity securities

31

31

－

Gain on redemption of bonds
Loss on sale of bonds

Gain (loss) on stocks

7

7. Capital Ratio (Domestic Standards)(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen, %)September 30,
2023 (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 31,2023 (B)

8.21

0.11

8.09

348,8319,774

339,056

24,1391,468

22,671

324,691

8,306

316,384

338,285

11,644

326,640

6,945(1,863)

8,809

－

－

－

3,954,628

47,987

3,906,640

158,185

1,919

156,265(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)Difference(A) – (B)

March 31,
2023
(B)

8.38

0.20

8.18

(2) Basic items in core capital

343,913

13,816330,096(3) Adjustments in core capital

15,298

1,722

13,575

328,614

12,093

316,521337,180

15,515

321,665

6,743(1,698)

8,441

－

－

－

3,919,263

50,375

3,868,887

156,770

2,015

154,755

September 30,
2023 (A)(1) Capital ratio (%)(4) Capital(4)/(5)(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%(3) Kiraboshi Bank, Ltd. [Consolidated](Millions of yen, %)September 30,
2023 (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%8

Difference(A) – (B)

March 31,
2023
(B)

8.48

0.13

8.35

352,974

10,508342,466

20,805

1,525

19,279332,169

8,982

323,186

342,144

12,265329,879

6,841(1,711)

8,553

－

－

－

3,912,529

43,2683,869,261

156,501

1,730

154,770

(4) UI Bank Co., Ltd. [Non-consolidated](Millions of yen, %)September 30,
2023 (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(Note)(5) × 4%

Difference(A) – (B)

March 31,
2023
(B)

8.24

1.35

6.88

8,963

2,372

6,591

1,939

(195)

2,135

7,023

2,567

4,456

8,808

2,324

6,483

155

47

108

－

－

－

85,206

20,51564,691

3,408

820

2,587

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.

9II. Status of Loans
1. Risk-monitored Loans and Loans Based on the Financial Reconstruction Act
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
September
30, 2023 (A)Bankrupt and quasi-bankrupt assets
Doubtful assets
Substandard assets
Past-due loans (3 months or more)
Restructured loans
Subtotal
Normal assets
Total credit balance

March 31,2023 (B)

September
30, 2022 (C)2,149(5,860)
(335)
70
(406)

22,86987,396
7,603
23
7,580

19,211
94,201
7,607
36
7,571

(4,047)285,979
281,932

117,870
4,661,353
4,779,223

121,020
4,469,574
4,590,594

Difference(A) – (B)

Difference(A) – (C)21,36088,340
7,271
106
7,165

(1,508)
943
(332)
83
(415)

116,973
4,755,554
4,872,527(896)
94,20093,303(Ratio to total credit balance)(%)
September
30, 2023 (A)Bankrupt and quasi-bankrupt assets
Doubtful assets
Substandard assets
Past-due loans (3 months or more)
Restructured loans
Ratio to total credit balance

0.43
1.81
0.14
0.00
0.14
2.40

Difference(A) – (B)

Difference(A) – (C)(0.04)(0.01)(0.00)
0.00(0.01)(0.06)

0.01(0.23)(0.01)
0.00(0.01)(0.23)March 31,2023 (B)

September
30, 2022 (C)

0.47
1.82
0.15
0.00
0.15
2.46

0.41
2.05
0.16
0.00
0.16
2.63

[After partial direct write-offs](Millions of yen)
September
30, 2023 (A)Bankrupt and quasi-bankrupt assets
Doubtful assets
Substandard assets
Past-due loans (3 months or more)
Restructured loans
Subtotal
Normal assets
Total credit balance

8,850
88,340
7,271
106
7,165
104,462
4,755,554
4,860,016

Difference(A) – (B)

Difference(A) – (C)

(726)
943
(332)
83
(415)
(115)
94,20094,0853,281(5,860)
(335)
70
(406)
(2,915)285,979
283,064

March 31,2023 (B)

September
30, 2022 (C)9,577
87,396
7,603
23
7,580
104,578
4,661,353
4,765,931

5,568
94,201
7,607
36
7,571
107,377
4,469,574
4,576,952(Ratio to total credit balance)(%)
September
30, 2023 (A)Bankrupt and quasi-bankrupt assets
Doubtful assets
Substandard assets
Past-due loans (3 months or more)
Restructured loans
Ratio to total credit balance

0.18
1.81
0.14
0.00
0.14
2.14

10

Difference(A) – (B)

Difference(A) – (C)(0.01)(0.01)(0.00)
0.00(0.01)(0.04)

0.06(0.24)(0.01)
0.00(0.01)(0.19)March 31,2023 (B)

September
30, 2022 (C)

0.20
1.83
0.15
0.00
0.15
2.19

0.12
2.05
0.16
0.00
0.16
2.34

2. Coverage Status of Loans Based on the Financial Reconstruction Act
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)September
30, 2023 (A)March 31,2023 (B)

September
30, 2022 (C)(2,448)91,727

93,059(1,390)(2,453)

21,14522,20812,819(817)(1,221)

13,637

14,041

6,176

(740)

(1,378)

6,916

7,554

Substandard loans

759

167

146

592

613

Collateral guarantees, etc.

70,855274

470,58170,851

Difference(A) – (B)

Difference(A) – (C)90,611(1,115)19,755Bankrupt and quasi-bankrupt assets
Doubtful assets

Covered amount(D)

Reserve for possible loan losses

Bankrupt and quasi-bankrupt assets

8,541

(690)

3,370

9,232

5,170

Doubtful assets

61,066

1,056(3,016)60,01064,083

Substandard loans
Problem assets(E)

Coverage ratio(D)/(E)

1,247

(91)

(349)

1,338

1,597

116,973(896)(4,047)

117,870

121,02077.46(0.35)

0.56

77.82

76.89

3. Status of Reserve for Possible Loan Losses
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
September
30, 2023 (A)Reserve for possible loan losses

Difference(A) – (B)

Difference(A) – (C)March 31,2023 (B)

September
30, 2022 (C)25,736(3,242)(5,545)28,97831,281

Provision of general reserve for possible
loan losses

6,631(1,684)(2,945)

8,316

9,576

Provision for individual possible loan losses

19,104(1,557)(2,600)20,662

21,70411

4. Status of Problem Assets Subject to Disclosure
Kiraboshi Bank, Ltd. [Non-consolidated][First half of the fiscal year ending March 2024 (as of September
30, 2023)(Billions of yen)Disclosed debts based on Financial Reconstruction Act andRisk-monitored loans under the Banking Law

Self-assessment(Object: Total credit, etc.)

Classification ofborrowers(Object: Total credit, etc.)

Classification
Not classified

Disclosed debts(credit balance)

Classification Classification Classification
II

III

IV

2.7

─
(0.1)

─
(4.8)

Collateralguarantees,etc.

Reserve

Coverage ratio

8.5

12.8

100.0%

Bankrupt borrowers
8.4
＜3.6＞

5.7

Bankrupt and quasi-bankrupt

Virtually bankrupt
borrowers
12.8
＜5.2＞

21.3
10.3

2.4

─

─

(0.1)

(7.6)

＜8.8＞

Borrowers withbankruptcy concerns
88.3<100.0%>

Doubtful assets
51.1

16.0

21.1
(6.1)

88.3

61.0

6.1

76.1%

1.2

0.7

27.6%

Past-due loans(3 months or

Substandard
loans
Borrowers
requiring
cautionSubstandard
borrowers

740.8

8.9

more)

0.1
Restructured
loans

7.1
1.1

7.8

Subtotal
116.9
Claims to borrowers
requiring caution,
excluding claims tosubstandard
borrowers

Borrowers
requiring
caution, excluding
claims to
substandard
borrowers

731.8＜104.4＞

Total
70.8

19.7

77.4%
＜74.7%＞

733.6

235.6

496.2

Normal borrowers

Normal assets

4,021.9

4,021.9

Total
4,872.5＜4,860.0＞

4,755.5

4,326.0

525.2

21.1

─

Ratio to total debts

88.7%

10.7%

0.4%

─

Total
4,872.5＜4,860.0＞(Notes) 1. Self-assessment includes loans, repayments for which payment is approved, foreign exchange, provisional
payment pursuant to loans, accrued interest, 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 did not take partial direct write-offs. Figures assuming the bank had taken partial direct writeoffs 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.

12

5. Loan Breakdown by Industrial Sector
Kiraboshi Bank, Ltd. [Non-consolidated](i) Loan breakdown by industrial sector(Millions of yen)
Balance at
September 30,
2023 (A)Balance at
March 31, 2023
(B)

Balance at
September
30, 2022 (C)293,727

4,735,398

4,540,743

26,353

388,286

351,702

14

156

1,285

1,143

255
1,639

(59)
(134)

86
(158)

314
1,773

169
1,797

Construction
Electricity, gas and heat supplies, and waterworks

217,140
24,937(8,546)
3,641(17,954)3,528

225,686
21,296

235,094
21,409Communication service
Transportation, postal activities

149,80271,511

16,239(5,336)25,883(6,969)133,563
76,847

123,91978,480Commerce
Banks and other financial institutions

554,283
432,361(2,949)70,511(4,977)71,363557,232
361,850559,260
360,998

Real estate(Real estate brokerage)

1,433,253
555,043

40,757(380)

158,837
77,6991,392,496
555,423

1,274,416
477,344(Real estate leasing)
Goods rental and leasing

878,210
104,906

41,138(7,208)81,138(3,638)837,072
112,114797,072
108,544

Scientific research, professional and technical services
Accommodations

87,672
16,484(6,906)
262

1,747
(607)

94,578
16,22285,92517,091

Restaurant businesses
Living-related and personal services, amusement
services

56,214(2,927)

2,091

59,141

54,123

79,575(6,986)

3,797

86,56175,778

Education, learning support
Medical healthcare and welfare

43,238203,071

(28)
2,058

2,983
14,95243,266201,013

40,255
188,119

Other services
Local governments

123,417
102,148

1,776
14,103(4,283)
5,180

121,641
88,045

127,700
96,968Other753,200

1,020

15,358752,180

737,842

Difference(A) – (B)

Difference(A) – (C)4,834,470

99,072

378,055(10,231)

Agriculture, forestry

1,299

Fishery
Mining, quarrying of stone and gravel

All branches
Manufacturing(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 estateleasing” consists of leasing by personal businesses mainly engaged in apartment management. The same applies for (ii) below.

13

(ii) Loan breakdown by industrial sector (ratio)(%)
Balance at
September 30,
2023 (A)All branches
Manufacturing100.00%
7.81%

Balance at
March 31, 2023
(B)

Balance at
September
30, 2022 (C)0.07%

100.00%8.19%

100.00%7.74%

Difference(A) – (B)－

Difference(A) – (C)－(0.37%)

Agriculture, forestry
Fishery

0.02%
0.00%

(0.00%)(0.00%)

0.00%
0.00%

0.02%
0.00%

0.02%
0.00%

Mining, quarrying of stone and gravel
Construction

0.03%
4.49%

(0.00%)(0.27%)(0.00%)(0.68%)

0.03%
4.76%

0.03%
5.17%

Electricity, gas and heat supplies, and waterworks
Communication service

0.51%
3.09%

0.06%
0.27%

0.04%
0.36%

0.44%
2.82%

0.47%
2.72%

Transportation, postal activities
Commerce

1.47%
11.46%(0.14%)(0.30%)(0.24%)(0.85%)

1.62%
11.76%

1.72%
12.31%

Banks and other financial institutions
Real estate

8.94%
29.64%

1.30%
0.24%

0.99%
1.58%

7.64%
29.40%

7.95%
28.06%

11.48%
18.16%(0.24%)
0.48%

0.96%
0.61%

11.72%
17.67%

10.51%
17.55%

Goods rental and leasing

2.16%(0.19%)(0.22%)

2.36%

2.39%

Scientific research, professional and technical services

1.81%(0.18%)(0.07%)

1.99%

1.89%

Accommodations
Restaurant businesses

0.34%
1.16%

(0.00%)(0.08%)(0.03%)(0.02%)

0.34%
1.24%

0.37%
1.19%

1.64%

(0.18%)(0.02%)

1.82%

1.66%

(Real estate brokerage)(Real estate leasing)

Living-related and personal services, amusement
services
Education, learning support

0.89%(0.01%)

0.00%

0.91%

0.88%

Medical healthcare and welfare
Other services

4.20%
2.55%

(0.04%)(0.01%)

0.05%(0.25%)

4.24%
2.56%

4.14%
2.81%

Local governments

2.11%
15.57%

0.25%(0.30%)(0.02%)(0.66%)

1.85%
15.88%

2.13%
16.24%

Other(iii) Risk-monitored loans by industrial sector(Millions of yen)
Balance at
September 30,
2023 (A)All branches
Manufacturing
Agriculture, forestry

Difference(A) – (B)

Difference(A) – (C)Balance at
March 31, 2023
(B)

Balance at
September
30, 2022 (C)116,973(896)(4,047)

117,870

121,020

17,114
－

(946)
－

(310)
－

18,060－17,424
－

－

－

－

453

453

453

－
－

－
－

Construction
Electricity, gas and heat supplies, and waterworks

8,390
－

(232)
(89)

(1,049)
(89)

8,623
89

9,440
89

Communication service
Transportation, postal activities

5,807
3,441

46
(367)

755
328

5,761
3,808

5,052
3,112

Commerce
Banks and other financial institutions

36,200
205

(679)
(52)

(2,002)(53)

36,880258

38,202
259

Real estate(Real estate brokerage)

9,432
1,428

(510)
(13)

(2,539)
(147)

9,943
1,441

11,972
1,576(Real estate leasing)
Goods rental and leasing

8,004
655

(497)
75

(2,391)
16

8,501
579

10,396
639

5,882

(127)

(848)

6,010

6,730

Fishery
Mining, quarrying of stone and gravel

Scientific research, professional and technicalservices
Accommodations

1,762

(45)

(287)

1,807

2,050

Restaurant businesses
Living-related and personal services, amusement
services

7,021

(275)

206

7,297

6,814

4,013

234

409

3,779

3,603

Education, learning support
Medical healthcare and welfare

2,197
2,683

705
186

778
202

1,492
2,497

1,419
2,481

Other services
Local governments

5,182
－

697
－

(181)
－

4,485
－

5,364
－

Other

6,527

30

164

6,497

6,363

14

6. Deposits and Loans(i) Status of loans(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)September
30, 2023 (A)Loans (balance)(Excluding offshore accounts)
Loans to small andmedium-sized enterprises
Small and mediumsized enterprise loans

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

4,834,470

99,071

293,727

4,735,398

4,540,743(D)

4,834,470

99,071

293,727

4,735,398

4,540,743(E)

4,068,403

44,063

261,690

4,024,339

3,806,713

3,369,254

46,030257,751

3,323,224

3,111,503

699,148(1,967)

3,938

701,115

695,21084.15(0.83)

0.31

84.98

83.83

4,773,710

258,014367,085

4,515,696

4,406,625

Personal loans
Percentage of total loans

Difference(A) – (B)

(E)/(D)

Loans (average balance)(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen, %)September
30, 2023 (A)Loans (balance)(Excluding offshore accounts)
Loans to small andmedium-sized enterprises
Small and mediumsized enterprise loans

Difference(A) – (C)March 31,
2023
(B)

53

52

1

(D)

53

52

1

(E)

53

52

1

－

－

－

53

52

1

100.00－100.0027

27

0Personal loans
Percentage of total loans

Difference(A) – (B)

(E)/(D)

Loans (average balance)

September
30, 2022(C)(Note) Year-on-year comparison with September 30, 2022, is not stated, as the card loan business by UI Bank was started
in March 2023. Loans to Kiraboshi Bank are not included in the above table.

(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen, %)September
30, 2023 (A)Loans (balance)(Excluding offshore accounts)
Loans to small andmedium-sized enterprises
Small and mediumsized enterprise loans

Loans (average balance)

Difference(A) – (C)March 31,2023
(B)4,834,524

99,123

4,735,400(D)

4,834,524

99,123

4,735,400(E)

4,068,457

44,115

4,024,341

3,369,254

46,0303,323,224

699,202(1,914)

701,117

Personal loans
Percentage of total loans

Difference(A) – (B)

(E)/(D)

84.15(0.82)

84.98

4,773,738

258,041

4,515,696

September
30, 2022(C)(Note) Year-on-year comparison with September 30, 2022, is not stated, as the card loan business by UI Bank was started
in March 2023. Loans to Kiraboshi Bank are not included in the above table.

15

(ii) Consumer loan balance(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

699,148(1,967)

3,938

701,115

695,210

Housing-related loans

630,569(1,138)(382)

631,708

630,952

Other loans

68,579

(828)

4,321

69,40764,258September
30, 2023 (A)Consumer loan balance(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)
September
30, 2023 (A)Consumer loan balance

Difference(A) – (B)

Difference(A) – (C)March 31,
2023
(B)

53

52

1

Housing-related loans

－

－

－

Other loans

53

52

1

September
30, 2022(C)(Note) Year-on-year comparison with September 30, 2022, is not stated, as the card loan business by UI Bank was started
in March 2023. Loans to Kiraboshi Bank are not included in the above table.

(1) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)
September
30, 2023 (A)Consumer loan balance

Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)699,202(1,914)

701,117

Housing-related loans

630,569(1,138)631,708

Other loans

68,632(776)

69,408September
30, 2022(C)(Note) Year-on-year comparison with September 30, 2022, is not stated, as the card loan business by UI Bank was started
in March 2023. Loans to Kiraboshi Bank are not included in the above table.

16

(iii) Status of deposits(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

5,490,996

133,249

384,4315,357,746

5,106,564

September
30, 2023 (A)Deposits (year-end balance)
Deposits

5,481,496

133,249

384,4315,348,246

5,097,064

Personal deposits

3,017,570(3,482)(19,262)3,021,053

3,036,833

Corporate deposits

2,123,363

126,749

206,317

1,996,614

1,917,045

340,562

9,982

197,377

330,579

143,185

9,500

－

－

9,500

9,500

5,440,355

321,930

353,457

5,118,425

5,086,898

5,430,855

322,590354,774

5,108,264

5,076,081

9,500

(660)

(1,317)

10,16010,817

Other deposits
Negotiable certificates of deposit
Deposit (average balance)
Deposits
Negotiable certificates of deposit(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

468,300

132,440

228,678

335,860

239,621468,300

132,440

228,678

335,860

239,621468,300

132,440

228,678

335,860

239,621405,766

190,400

239,300

215,365

166,466

405,766

190,400

239,300

215,365

166,466

September
30, 2023 (A)Deposits (year-end balance)
Deposits
Personal deposits
Deposit (average balance)
Deposits(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

5,959,297

265,690

613,110

5,693,607

5,346,186

5,949,797

265,690

613,110

5,684,107

5,336,686

Personal deposits

3,485,871

128,958

209,416

3,356,913

3,276,455

Corporate deposits

2,123,363

126,749

206,317

1,996,614

1,917,045

340,562

9,982

197,377

330,579

143,185

9,500

－

－

9,500

9,500

5,846,122

512,331592,757

5,333,791

5,253,364

5,836,622

512,991

594,075

5,323,630

5,242,547

9,500

(660)

(1,317)

10,16010,817

September
30, 2023 (A)Deposits (year-end balance)
Deposits

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

17

(iv) Deposits and loan balances by region(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

5,481,496

133,249

384,4315,348,246

5,097,064

Tokyo Metropolis

4,292,265

110,759369,3134,181,506

3,922,951

Kanagawa Prefecture

1,102,270

20,091

11,1101,082,178

1,091,159

September
30, 2023 (A)Deposits

86,961

2,399

4,008

84,562

82,953Loans and bills discounted

Others

4,834,470

99,071

293,727

4,735,398

4,540,743

Tokyo Metropolis

4,204,468

103,437

296,258

4,101,030

3,908,210

Kanagawa Prefecture

568,127(5,559)(9,209)573,686

577,336

Others

61,875

1,193

6,678

60,681

55,196(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)
September 30,
Difference
2023 (A)(A) – (B)
Deposits

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

468,300

132,440

228,678

335,860

239,621

Tokyo Metropolis

206,923

51,86692,296

155,056

114,626

Kanagawa Prefecture

88,05024,143

43,94663,907

44,103

Others*

92,435

116,896

80,891

173,326

56,429Loans and bills discounted

53

52

1

Tokyo Metropolis

6

6

0

Kanagawa Prefecture

2

2

－

Others44431(Note) Year-on-year comparison of loan balance with September 30, 2022, is not stated, as the card loan business by UIBank was started in March 2023. Loans to Kiraboshi Bank are not included in the above table.
(Millions of yen)

* Distribution in other regions (Deposits only include yen deposits)
September
30, 2023 (A)
Total

Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022 (C)173,232

56,33592,341

116,896

80,891

Kanto

71,35021,187

34,13450,162

37,216

Kansai

33,277

11,30819,143

21,96814,133Tokai

21,590

7,015

12,081

14,575

9,508

Others47,014

16,823

26,98130,19020,033

44

43

1

Kanto

13

13

－

Kansai

10

9

0

Tokai

8

8

－

Others13

12

1Loans and bills discounted18

(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

5,949,797

265,690

613,110

5,684,107

5,336,686

Tokyo Metropolis

4,499,188

162,625

461,610

4,336,562

4,037,578

Kanagawa Prefecture

1,190,320

44,23555,057

1,146,085

1,135,263

260,288

58,82896,443

201,459

163,844

September
30, 2023 (A)Deposits

OthersLoans and bills discounted

4,834,524

99,123

4,735,400

Tokyo Metropolis

4,204,474

103,444

4,101,030

Kanagawa Prefecture

568,129(5,556)573,686

Others61,9191,236

60,683(Note) Year-on-year comparison of loan balance with September 30, 2022, is not stated, as the card loan business by UIBank was started in March 2023. Loans to Kiraboshi Bank are not included in the above table.

(v) Assets under management(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

406,686

6,162

8,726

400,523

397,960

Investment trust

139,180

2,399

5,291

136,780

133,888

Life insurance

245,225

7,764

11,465

237,460

233,759

Public bonds

22,281(4,000)(8,030)26,28230,311

September
30, 2023 (A)Assets under management(2) Kiraboshi Life Design Securities Co., Ltd.
(Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022(C)

236,728

33,901

51,127

202,827

185,601

218,224

29,66045,358

188,564

172,866

80

(57)

(72)

137

152

18,424

4,298

5,840

14,125

12,583September
30, 2023 (A)Assets under management
Investment trust
Public bonds
Others(3) Kiraboshi Bank, Ltd. and Kiraboshi Life Design Securities Co., Ltd. combined(Millions of yen)
Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022 (C)643,41540,06459,853603,351

583,562

Investment trust

357,404

32,05950,649325,345306,755

Life insurance

245,225

7,764

11,465

237,460

233,759

Public bonds

22,361(4,057)(8,102)

26,41930,463

Other

18,424

4,298

5,840

14,125

12,583September
30, 2023 (A)Assets under management

19

(vi) Status of branches and employees
Kiraboshi Bank, Ltd. [Non-consolidated](Branches, persons)Difference(A) – (B)

Difference(A) – (C)March 31,2023
(B)

September
30, 2022
(C)

164

(2)

(2)

166

166

Tokyo Metropolis

121

(3)

(3)

124

124

Kanagawa Prefecture

39

1

1

38

38

Others

4

－

－

4

4

2,322

(1)

(114)

2,323

2,436

September
30, 2023 (A)Domestic head office and branch offices(including representative offices)

Number of executives and employees
Number of executives

10

1

(2)

9

12

Number of employees

2,312

(2)

(112)

2,314

2,424

(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. [Non-consolidated](Millions of yen)
September
30, 2023 (A)Construction
cost credit trust
Real estate
management
trust
Other

Total

Value of transactions handled
Fiscal year-end balance
Value of transactions handled
Fiscal year-end balance
Value of transactions handled
Fiscal year-end balance
Value of transactions handled
Fiscal year-end balance

Difference(A) – (B)18,63923,037

2,105

6,423
95,742

6,026

13
1,294

(1,525)25,076
120,075

6,605

Difference(A) – (C)March 31,2023
(B)

September
30, 2022 (C)

6,203

34,345

12,435

8,377

20,932

14,659(23,239)

36,936

29,663

13,74689,71681,9965

23

8(1,517)

2,820

2,812

(17,031)

71,305

42,10820,606

113,469

99,468(Note) Comparison with the fiscal year ended March 31, 2023, is not presented because the calculation period is different
for the value of transactions handled.

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

Mark-to-market method

Marketable bonds held to maturity

Amortized cost method

Other 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)
September 30, 2023

September 30, 2022

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

Valuation
loss

Marketable bonds held to maturity(1,886)

(100)

－

1,886

(1,785)－

1,785

Other securities(16,851)(645)

19,13235,983(16,205)

16,25032,455

Stocks13,5306,368

13,731

201

7,162

8,953

1,791

Bonds

(15,598)(7,589)378

15,976(8,009)

920

8,929

Others(14,783)

574

5,021

19,805(15,358)

6,376

21,734(18,737)(746)

19,13237,869(17,990)

16,25034,240Total(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
September 30, 2023

September 30, 2022

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

Valuation
loss

Marketable bonds held to maturity(1,813)

(38)

－

1,813

(1,775)－

1,775

Other securities(15,703)(1,369)19,73435,437(14,333)

17,71632,050Stocks12,975

6,313

13,318

342

6,662

8,559

1,896

Bonds

(15,229)(7,938)554

15,784(7,291)

1,532

8,824

Others(13,449)

254

5,861

19,310(13,704)

7,624

21,328(17,516)(1,407)

19,73437,251(16,108)

17,71633,825

Total

21