Tokyo Kiraboshi Financial Group, Inc.
Listed Code: 7173
(URL: https://www.tokyo-kiraboshifg.co.jp)
Listed Stock Exchange: TSE (Prime Market)
November 1, 2023

Consolidated Financial Reportfor the First Half of the Fiscal Year Ending March 31, 2024
<Under Japanese GAAP>
Representative: Hisanobu Watanabe, President
Responsible person for inquiries: Takeshi Yoshino, Director Executive Officer
Telephone: +81-3-6447-5799
Date of submission of quarterly security report: November 24, 2023
Date to start dividend payment: December 4, 2023
Establishment of special transaction account: Not establishedPreparation of supplementary material on financial results: Yes
Holding of financial results presentation meeting: Yes
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, 2024
(From April 1, 2023 to September 30, 2023)(1) Results in consolidated operations
Ordinary income(Percentages represent year-on-year changes.)
Profit attributable toOrdinary profit
owners of parent(¥ million)(%)(¥ million)(%)(¥ million)(%)

First half of the fiscal year ending March 31, 2024

69,96815.4

18,30938.5

13,473

56.2

First half of the fiscal year ended March 31, 2023

60,60829.1

13,217

78.6

8,625

80.9

(Note) Comprehensive income: First half of the fiscal year ending March 31, 2024: ¥9,989 million —First half of the fiscal year ended March 31, 2023: ¥(6,834 million) —Profit attributable to owners ofparent per share (¥)

Profit attributable to owners ofparent per share (Diluted) (¥)

First half of the fiscal year ending March 31, 2024

442.04260.58First half of the fiscal year ended March 31, 2023

281.47149.89(2) Consolidated financial position
Total assets(¥ million)

Total net assets(¥ million)

Net assets tototal assets ratio
(%)
5.0
4.8

First half of the fiscal year ending March 31, 2024
6,619,115
335,226
Fiscal year ended March 31, 2023
6,742,149
326,972(Reference)
Equity:First half of the fiscal year ending March 31, 2024: ¥335,180 million
Fiscal year ended March 31, 2023: ¥326,904 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
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 (Financial Services Agency Notification No. 20 of 2006).

2. Dividends

Fiscal year ended March 31, 2023

First quarter–

Fiscal year ending March 31, 2024–

Annual dividend per share (¥)
Second quarter Third quarter Fiscal year-end
52.50
–
62.50

Annual
115.0065.00

Fiscal year ending March 31, 2024–
65.00
130.00(Forecast)(Note 1) Changes to the dividend forecast most recently announced: None
(Note 2) “Dividends” above refers to dividends for common stock. With regard to dividends for class shares (unlisted) issued by
the Company with different rights than those of common stock, refer to “Dividend situation for class shares” below.

3. Forecast of Consolidated Operating Performance for the Fiscal Year Ending March 31, 2024
(From April 1, 2023 to March 31, 2024)(Percentages represent increases or decreases from the previous year results.)

Ordinary profit(¥ million)(%)

Profit attributable toowners of parent(¥ million)

Profit attributable toowners of parent per share

(%)

(¥)

30,100(2.1)
24,00013.4
786.34Full-year(Note) Changes to the forecast of consolidated operating performance most recently announced: Yes
For information on revision to the forecast of consolidated operating performance, please refer to "Notice regarding
differences between forecast and actual results of consolidated operating performance for the first half, and revision to
the forecast of full-year consolidated operating performance for the fiscal year ending March 31, 2024” released today(November 1, 2023).

* Notes(1) Changes in significant subsidiaries during the current period (Changes in specified subsidiaries
resulting in change in scope of consolidation): None
Included subsidiaries: ___ (name of company(ies))

Excluded subsidiaries: ___ (name of company(ies))(Note) One company is added as a consolidated subsidiary, effective October 2, 2023. Note that this does not constitute achange in specified subsidiaries.
For details, please refer to “(5) Changes in Significant Subsidiaries During the First Half of the Fiscal Year Ending
March 31, 2024” and “(8) Significant Subsequent Event” in “2. Consolidated Interim Financial Statements andNotes” on page 10 of the Attached Materials.

(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)
First half of the fiscal year ending March 31, 2024

30,650,115 sharesFiscal year ended March 31, 2023

30,650,115 sharesb. Number of treasury stock at the end of the period
First half of the fiscal year ending March 31, 2024

387,392 sharesFiscal year ended March 31, 2023

537,634 sharesc. Average number of shares during the period (cumulative from the beginning of the fiscal year)
First half of the fiscal year ending March 31, 2024

30,148,286 sharesFirst half of the fiscal year ended March 31, 2023

30,193,034 shares(Note)The Company introduced Board Benefit Trust/Employee Stock Ownership Plan and the Company’s shares held by the said trust
are included in treasury stock.

(Overview of Non-consolidated Financial Results Statements)
1. Non-consolidated Operating Performance for the First Half of the Fiscal Year Ending March 31, 2024
(From April 1, 2023 to September 30, 2023)(1) Results in non-consolidated operations(Percentages represent year-on-year changes.)

Operating income
First half of the fiscal
year ending March 31,
2024
First half of the fiscal
year ended March 31,
2023

Operating profit

Ordinary profit

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

(%)

3,295

41.1

2,274

43.9

2,246

44.3

2,165

40.6

2,335

34.3

1,580

43.2

1,556

37.3

1,539

39.3

Net income per
share
(¥)
First half of the fiscal
year ending March
31, 2024
First half of the fiscal
year ended March 31,
2023

66.96

46.80

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

Total net assets(¥ million)

Net assets tototal assets ratio(%)

First half of the fiscal year ending March 31, 2024
222,148
199,926
89.9
Fiscal year ended March 31, 2023
218,257
199,496
91.3(Reference)
Equity:First half of the fiscal year ending March 31, 2024: ¥199,917 million
Fiscal year ended March 31, 2023: ¥199,483 million(Note)“Equity” consists of subscription rights to shares at the end of the fiscal year subtracted from net assets, and the “Net assets tototal assets ratio” is calculated by dividing equity by total assets at the end of the fiscal year. 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 (Financial Services
Agency Notification No. 20 of 2006).

* This report is not subject to the scope of review by certified public accountants and audit corporations.
* 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, and actual results may differ significantly from theforecasts due to a variety of factors.

* Dividend situation for class shares
The breakdown of dividend per share for class shares with different rights to those of common stock is as follows.
(First series Class I preferred shares)
Dividend per share (¥)
First quarter
Second quarter
Third quarter
Fiscal year-end
Annual–126.00–126.00252.00Fiscal year ended March 31, 2023
Fiscal year ending March 31, 2024–

133.00Fiscal year ending March 31, 2024–
133.00266.00(Forecast)(Notes)1. Changes to the dividend forecast most recently announced: None
2. Amount paid per share: ¥20,000
3. Computation used to calculate dividend per share(1) Fiscal year ended March 31, 2023
(a) Computation
Dividend = amount paid per share × annual dividend rate(b) Annual dividend rate (*)
Annual dividend rate = Japanese yen TIBOR + 1.1%(c) Japanese yen TIBOROn April 1, 2022, the Japanese yen TIBOR (12-month maturity) = 0.16000%(d) Shares issued
750,000(2) Fiscal year ending March 31, 2024 (Forecast)(a) Computation
Dividend = amount paid per share × annual dividend rate(b) Annual dividend rate (*)
Annual dividend rate = Japanese yen TIBOR + 1.1%(c) Japanese yen TIBOROn March 31, 2023, the Japanese yen TIBOR (12-month maturity) = 0.23364%(d) Shares issued
750,000(*Annual dividend rate: Figures less than one percent are calculated to three decimal places with the third decimal placerounded off to the second decimal place.)(Class II preferred shares)
Dividend per share (¥)

Fiscal year ended March 31, 2023

Firstquarter–

Fiscal year ending March 31, 2024–

Fiscal year ending March 31, 2024

Second quarter

Third quarter

Fiscal year-end

Annual16.000–16.00032.00023.36446.72823.364–(Forecast)(Notes)1. Changes to the dividend forecast most recently announced: None
2. Amount paid per share: ¥20,000
3. Computation used to calculate dividend per share(1) Fiscal year ended March 31, 2023
(a) Computation
Dividend = amount paid per share × annual dividend rate(b) Annual dividend rate
Annual dividend rate = Japanese yen TIBOR + 0.0%(c) Japanese yen TIBOROn April 1, 2022, the Japanese yen TIBOR (12-month maturity) = 0.16000%(d) Shares issued
2,000,000(2) Fiscal year ending March 31, 2024 (Forecast)(a) Computation
Dividend = amount paid per share × annual dividend rate(b) Annual dividend rate
Annual dividend rate = Japanese yen TIBOR + 0.0%(c) Japanese yen TIBOROn March 31, 2023, the Japanese yen TIBOR (12-month maturity) = 0.23364%(d) Shares issued
2,000,000

Attached Materials

Index
1. Qualitative Information Regarding Consolidated Results for the First Half of the Fiscal Year Ending March 31, 2024
(1) Operating Results ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 2(2) Financial Position ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 2(3)

Note on the Forecast of the Consolidated Operating Performance and Other Forward-Looking Statements ꞏꞏꞏꞏꞏꞏ 3

2. Consolidated Interim Financial Statements and Notes(1) Consolidated Interim Balance Sheets ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 4–5(2)

Consolidated Interim Statements of Income and Consolidated Interim Statements ofComprehensive Income ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

6–7(3) Consolidated Interim Statements of Changes in Net Assets ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 8–9(4) Notes on Premise of Going Concern ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10(5) Changes in Significant Subsidiaries During the First Half of the Fiscal Year Ending March 31, 2024 ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10(6) Changes in Accounting Policies ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10(7) Additional Information ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10(8) Significant Subsequent Event ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10–11(Reference) Trust Asset Balance Table ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 12
3. (Reference) Non-consolidated Financial Statements of Kiraboshi Bank, Ltd.
(1) Overview of Non-consolidated Financial Statementsꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 13(2) Non-consolidated Interim Balance Sheets ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 14(3) Non-consolidated Interim Statements of Income ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 15
4. (Reference) Non-consolidated Financial Statements of UI Bank Co., Ltd.
(1) Overview of Non-consolidated Financial Statementsꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 16(2) Non-consolidated Interim Balance Sheets ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 17(3) Non-consolidated Interim Statements of Income ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 18* Financial Results for the First Half of the Fiscal Year Ending March 31, 2024
- Supplementary Information -1

1. Qualitative Information Regarding Consolidated Results for the First Half of the Fiscal
Year Ending March 31, 2024
(1) Operating Results
In the consolidated operating results for the first half of the fiscal year ending March 31, 2024, Kiraboshi Bank,
Ltd., which makes up the majority of consolidated results, recorded ¥22.2 billion in ordinary profit, an increase of ¥0.4
billion year-on-year, and ¥17.6 billion in net income, an increase of ¥0.3 billion year-on-year. However, as a result of
adjustments made for consolidated accounting, such as elimination of internal transactions, ordinary profit came to¥18.3 billion, an increase of ¥5.0 billion year-on-year, while profit attributable to owners of parent increased by ¥4.8
billion year-on-year to ¥13.4 billion.
The main factors affecting the operating results of Kiraboshi Bank, Ltd., compared with the same period of ayear earlier, are as follows.
(i) Interest on loans and An increase of ¥5.0 billion year-on-year due to an increase in loan balances
resulting largely from the promotion of main bank relationship building and businessdiscounts*1:
financing activities, combined with rising yields.
(ii) Interest and dividends A decrease of ¥0.6 billion year-on-year, reflecting a ¥2.9 billion decrease individends from equity-method affiliates that was partly offset by gain on cancellation
on securities:of investment trusts and fund investment income.
(Dividends from affiliates are internal transactions and are thus eliminated fromconsolidated results.)(iii) Non-interest income*2: A decrease of ¥2.4 billion year-on-year despite an increase in fee and commission
income from corporate customers largely in business financing, partly because there
were no more gains from unwinding of asset swaps recorded in the previous fiscal
year.
(iv) Expenses:
An increase of ¥1.2 billion year-on-year partly due to an increase in personnel
expenses resulting from an increase in base pay and other factors.
(v) Credit-related costs: A decrease of ¥0.7 billion year-on-year due largely to a decrease in bad debt
expense and a decline in the historical percentage of general reserve for possible
loan losses.
(vi) Gains (losses) on
A decrease of ¥0.0 billion year-on-year as a result largely of a decrease in loss frombonds:
sale of foreign bonds on the one hand and a similar amount of decrease in gain onsale of bonds.
An increase of ¥1.8 billion year-on-year due largely to gain on sale of equity(vii) Gains (losses) on
securities held for pure investment.
stocks and othersecurities:*1 Interest on loans and discounts includes interest subsidies associated with effectively interest-free, unsecuredloans on which interest would later be reimbursed by local governments.
*2 Non-interest income is the figure for constituents of gross core business profit, excluding net interest income.
(Non-interest income = trust fees + net fees and commissions + other business income (excluding
gains/losses on bonds))(2) Financial Position
As of September 30, 2023, total assets amounted to ¥6,619.1 billion, down ¥123.0 billion from the end of theprevious fiscal year, and net assets stood at ¥335.2 billion, a ¥8.2 billion increase from the end of the previous fiscal
year.
With respect to major account balances, deposits increased by ¥285.4 billion from the end of the previous fiscal
year to ¥5,910.8 billion, loans and bills discounted increased by ¥94.8 billion from the end of the previous fiscal yearto ¥4,800.9 billion, and securities decreased by ¥31.6 billion from the end of the previous fiscal year to ¥825.3 billion.

2(3) Note on the Forecast of the Consolidated Operating Performance and Other Forward-Looking
Statements
A revision has been made to the forecast of consolidated operating performance for the fiscal year ending March
31, 2024, announced on May 8, 2023, as follows.
For details, please refer to “Notice regarding differences between forecast and actual results of consolidated
operating performance for the first half, and revision to the forecast of full-year consolidated operating performancefor the fiscal year ending March 31, 2024” released today (November 1, 2023).
Revision to the Forecast of Full-Year Consolidated Operating Performance for the Fiscal Year Ending March 31, 2024
(April 1, 2023 to March 31, 2024)(¥ million)(¥ million)

Profit attributable toowners of parent per
share
(¥)

28,10022,000720.86786.34

Ordinary profit
Previously announced
forecast
Revised forecast(A)

Profit attributable toowners of parent(B)

30,10024,000

(B－A)

2,000

2,000

(%)

7.1

9.0

(Ref) Actual results for the previous
fiscal year (fiscal year ended March
31, 2023)

30,774

21,150

Increase or decrease
Percentage change

3693.002. Consolidated Interim Financial Statements and Notes(1) Consolidated Interim Balance Sheets(¥ million)
As of March 31, 2023
AssetsCash and due from banks
Call loans and bills bought
Other debt purchased
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchange
Lease receivables and investment assets
Other assets
Tangible fixed assets
Intangible fixed assets
Net defined benefit assets
Deferred tax assets
Customers’ liabilities for acceptances andguarantees
Reserve for possible loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Borrowed money
Foreign exchange
Bonds
Other liabilities
Reserve for employee bonuses
Provision for directors’ bonuses
Provision for stock compensation
Net defined benefit liabilities
Reserve for directors’ retirement benefits
Reserve for point card certificates
Reserve for loss on dormant deposit repayments
Provision for contingent loss
Reserves under special laws
Deferred tax liabilities
Acceptances and guarantees
Total liabilities

4

As of September 30, 2023

936,273
9,640
58,527861
2,867
856,976
4,706,163
4,519
24,85373,70855,971
12,922
18,4007,049

742,822
6,177
54,081
824
3,686
825,372
4,800,986
5,857
27,01676,741
57,17814,33019,163
8,169

5,971

6,028

(32,557)
6,742,149(29,323)
6,619,115

5,625,386
9,500
448,139
184,751
79,786258
7,008
50,696
1,670
155
374
75
67
74
259
883
0
116
5,971
6,415,177

5,910,831
9,500
157,589
128,452
17,572
1,749
6,390
42,466
1,756
－
207
80
62
90
174
861
0
73
6,028
6,283,888

(¥ million)
As of March 31, 2023
Net Assets
Common stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders’ equity
Net unrealized gain on available-for-salesecurities
Net deferred gains (losses) on hedges
Revaluation reserve for land
Foreign currency translation adjustment
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Subscription rights to shares
Noncontrolling interests
Total net assets
Total liabilities and net assets

5

As of September 30, 2023

27,500150,968
151,399(1,198)328,669

27,500150,974
162,843(906)
340,411(5,121)(8,630)

－
(242)
25
3,573
(1,765)13
55
326,972
6,742,149

43
(242)
36
3,561
(5,231)936335,226
6,619,115

(2) Consolidated Interim Statements of Income and Consolidated Interim Statements ofComprehensive Income(Consolidated Interim Statements of Income)(¥ million)
First half of the fiscal year
ended March 31, 2023
Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Other operating income
Other ordinary income
Ordinary expenses
Financing expenses
Interest on deposits
Fees and commissions payments
Other operating expenses
General and administrative expenses
Other ordinary expenses
Ordinary profit
Extraordinary income
Gains on return of securities from retirement
benefit trust
Extraordinary losses
Loss on disposal of non-current assets
Impairment losses
Profit before income taxes
Income taxes – current
Income taxes – deferred
Total income taxes
ProfitProfit (Loss) attributable to non-controlling interests
Profit attributable to owners of parent

6

First half of the fiscal year
ending March 31, 2024

60,60834,843
27,530
6,348
221
8,724
6,650
10,16747,391
1,180
532
1,653
7,949
28,186
8,422
13,217
1,520

69,96842,151
32,682
8,635
168
10,630999
16,01851,659
2,913
1,472
1,681
4,999
30,485
11,57918,309
－

1,520

－

557
104
452
14,180
3,351
2,256
5,608
8,572
(53)
8,625

64
64
－
18,244
4,384
405
4,789
13,455(18)
13,473

(Consolidated Interim Statements of Comprehensive Income)(¥ million)
First half of the fiscal year
ended March 31, 2023
ProfitOther comprehensive income
Net unrealized gain on available-for-salesecurities
Net deferred gains (losses) on hedges
Foreign currency translation adjustment
Remeasurements of defined benefit plans
Share of other comprehensive income of entities
accounted for using equity method
Comprehensive income(Breakdown)Comprehensive income attributable to owners ofparentComprehensive income attributable to noncontrolling interests

7

First half of the fiscal year
ending March 31, 2024

8,572
(15,406)

13,455(3,465)(13,853)(3,511)(350)
7(1,196)

43
11
(11)

(12)

3

(6,834)

9,989(6,781)

10,007(53)(18)

(3) Consolidated Interim Statements of Changes in Net Assets
First half of the fiscal year ended March 31, 2023(¥ million)
Shareholders’ equity
Common stock
Balance at beginning of theyear
Changes of items during thereporting period
Capital increase of
consolidated subsidiaries

Capital surplus

27,500Retained earnings

150,966

Total shareholders’equityTreasury stock

133,470(966)

310,969

2

2

Dividends of surplus(1,496)(1,496)

Profit attributable to ownersof parent

8,625

8,625

Acquisition of treasury stock
Disposition of treasury stock

(225)

(225)

9

9

(0)

Net changes of items otherthan shareholders’ equity
during the reporting period
Total changes of items during
the reporting period
Balance at end of period

－

2

7,128

(215)

6,915

27,500150,969

140,599(1,182)

317,885

Accumulated other comprehensive income
Net
NonNetRemeas- Total accu- Subscripunrealized
Foreigndeferred Revaluation
urements of mulated tion rights to controlling
gain oncurrency
sharesinterests
reserve for
gains
other comdefined
availabletranslation
land(losses) on
prehensive
benefitfor-saleadjustment
hedgesincomeplans
securities
Balance at beginning of theyear
Changes of items during thereporting period
Capital increase of
consolidated subsidiaries

4,186

675

(242)

24

3,676

8,320

13

8

Total net
assets319,3122

Dividends of surplus(1,496)

Profit attributable to ownersof parent

8,625

Acquisition of treasury stock(225)

Disposition of treasury stock9

Net changes of items otherthan shareholders’ equity
during the reporting period
Total changes of items during
the reporting period
Balance at end of period(13,866)

(350)

－

7

(1,196)(15,406)－74(15,331)(13,866)

(350)

－

7

(1,196)(15,406)－74(8,416)(9,679)

324

(242)

31

2,480

(7,085)13

82

310,8968

First half of the fiscal year ending March 31, 2024(¥ million)
Shareholders’ equity
Common stock
Balance at beginning of theyear
Changes of items during thereporting period

Capital surplus

27,500Retained earnings

150,968

Treasury stock

151,399

Total shareholders’equity(1,198)328,669

Dividends of surplus(2,029)(2,029)Profit attributable to ownersof parent

13,473

13,473Acquisition of treasury stock
Disposition of treasury stock5

Net changes of items otherthan shareholders’ equity
during the reporting period
Total changes of items during
the reporting period
Balance at end of period

(18)

(18)

311

316

-

5

11,444292

11,74227,500150,974

162,843(906)

340,411

Accumulated other comprehensive income
Net
NonNetRemeas- Total accu- Subscripunrealized
Foreigndeferred Revaluation
urements of mulated tion rights to controlling
gain oncurrency
sharesinterests
reserve for
gains
other comdefined
availabletranslation
land(losses) on
prehensive
benefitfor-saleadjustment
hedgesincomeplans
securities
Balance at beginning of theyear
Changes of items during thereporting period(5,121)

-

(242)

25

3,573

(1,765)13

55

Total net
assets326,972

Dividends of surplus(2,029)Profit attributable to ownersof parent

13,473Acquisition of treasury stock(18)

Disposition of treasury stock

316

Net changes of items otherthan shareholders’ equity
during the reporting period
Total changes of items during
the reporting period
Balance at end of period(3,508)

43

-

11

(11)

(3,465)(3)(18)(3,487)(3,508)

43

-

11

(11)

(3,465)

(3)

(18)

8,254

(8,630)

43

(242)

36

3,561

(5,231)936335,2269

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

(5) Changes in Significant Subsidiaries During the First Half of the Fiscal Year Ending March 31,2024
Not applicable.
Effective October 2, 2023, Kiraboshi System, Inc., a subsidiary of the Company, acquired shares in I.T.C. Co.,
Ltd. and converted the same to a consolidated subsidiary. Note that this does not constitute a change in specified
subsidiaries.
Effective April 1, 2023, H.S. Servicer Co., Ltd. changed its name to Kiraboshi Servicer, Ltd.

(6) Changes in Accounting Policies
Not applicable.

(7) Additional Information(Accounting estimates related to COVID-19)
With respect to accounting estimates related to COVID-19 pandemic for the first half of the fiscal year ending
March 31, 2024, and assumptions used to calculate the estimates thereof, there are no material changes to theinformation provided under Significant Accounting Estimates in the Securities Report for the fiscal year ended
March 31, 2023.

(8) Significant Subsequent Event(Conversion to a subsidiary through share acquisition)
At a meeting of the Board of Directors of the Company held on August 30, 2023, a resolution was passed for
Kiraboshi System, Inc. (hereinafter referred to as “Kiraboshi System”), a subsidiary of the Company, to acquire sharesin I.T.C. Co., Ltd. (hereinafter referred to as “I.T.C.”), and to convert the same to a subsidiary. On September 28, 2023,
approval was obtained from the relevant authorities with respect to advanced banking service company*. Accordingly,
on October 2, 2023, Kiraboshi System acquired the shares in I.T.C. and converted the same to a subsidiary.
* Advanced banking service company: a subsidiary of a bank holding company as defined in Article 52-23, Paragraph 1, Item 14 of the Banking Act
1. Outline of the business combination(1) Name and business description of the acquired company
Name of the acquired company: I.T.C. Co., Ltd.
Business description: system development(2) Primary reasons for the business combination
Guided by the vision “to be a Tokyo-based platform owner to create new values for customers” as
set forth in its Medium-Term Business Plan, the Group is seeking to establish a platform for contributing
to creating new values and solving social issues by connecting the various customer needs.
Against this background, a decision was made to acquire the shares in I.T.C. Co., Ltd, a company
that has been engaged, since its foundation, in the SES (system engineering services) business and thecommissioned systems development business, with private companies as its main business partners.
As the Group aims for “comprehensive service business that is also strong in finance,” it believes thatmaking I.T.C. a subsidiary of the Group is conducive to insourcing of systems and applications development by Group companies including UI Bank and Kiraboshi Tech, and the provision of I.C.T. consulting
services to customers of Kiraboshi Bank.
Going forward, the Group will work on providing digital services swiftly and at low cost, and resolving
issues faced by customers in tackling digital transformation challenges including digitalization of theiroperations.
(3) Date of the business combination
October 2, 2023
(4) Legal form of the business combination
Purchase of shares with cash paid as consideration(5) Name of the company after the combination
I.T.C. Co., Ltd.
(6) Percentage of voting rights acquired
100%(7) Grounds for determining the acquirer
Kiraboshi System, Inc. acquired the shares in I.T.C. Co., Ltd. with cash as consideration.
10

2. Acquisition cost of the acquired company and breakdown by type of consideration
Acquisition consideration
Cash¥1,246 million
Acquisition cost
¥1,246 million
3. Details and amount of major acquisition-related costs
Advisory fees and commissions, etc. ¥6 million
4. Amount of goodwill that was created, causes of creation of goodwill, amortization method and amortization
periodYet to be determined at this time.
5. Amount of assets acquired and liabilities assumed on the date of the business combination, and major breakdown thereof
Yet to be determined at this time.
(Business acquisition by consolidated subsidiary)
At a meeting of the Board of Directors of the Company held on August 30, 2023, a resolution was passed for
Kiraboshi Servicer, Ltd. (hereinafter referred to as “Kiraboshi Servicer”), a subsidiary of the Company, to acquirebusiness from Argo Japan Servicing Co., Ltd. (hereinafter referred to as “Argo Japan”). On October 23, 2023, approval from the relevant authorities was obtained and on October 31, 2023, a business transfer from Argo Japanwas executed.
1. Outline of the business combination(1) Name and business description of the business transferor
Name of the business transferor: Argo Japan Servicing Co., Ltd.
Business description: claim management and collection business(2) Primary reasons for the business acquisition
The Group continues to provide financial support to companies in financial difficulty, including companies with excessive debt due to the impact of COVID-19 and companies facing a severe operating
environment, to help them in their business restructuring.
Against this background, a decision was made to acquire business from Argo Japan because theGroup believes that acquisition of Argo Japan’s nationwide network, specialized personnel, and knowhow in the debt collection business will be conducive to strengthening Kiraboshi Servicer’s financial support, debt management, and other operations.
The Group will continue to expand group functions to address the various management issues faced
by its customers and contribute to the sustainable development of local economies and local communities.
(3) Date of the business combination
October 31, 2023
(4) Legal form of the business combination
Acquisition of business with cash paid as consideration
2. Acquisition cost of the acquired business and breakdown by type of consideration
Acquisition consideration
Cash¥7,277 million
Acquisition cost
¥7,277 million
Note that acquisition cost and consideration for the acquired business are provisional amounts.
3. Description and amount of major acquisition-related costs
Advisory fees and commissions, etc. ¥9 million
4. Amount of goodwill that was created, causes of creation of goodwill, amortization method, and amortization
periodYet to be determined at this time.
5. Amount of assets acquired and liabilities assumed on the date of the business combination, and major breakdown thereof
Yet to be determined at this time.

11

(Reference)
Trust Asset Balance Table(As of September 30, 2023)(¥ million)
AssetsLoans and bills discounted
Loans on deeds
Monetary claims
Other monetary claims
Tangible fixed assets

Value

Liability
1,069

Specified money in trust

1,294

1,069

Monetary claims in trust

23,03722,973Composite trusts

95,742

Total

120,075

22,97393,543

Movables669

Real estate

92,873

Other receivables
Other receivables
Cash and due from banks
Deposits

Value

0
0
2,488
2,488

Total

120,075123. (Reference) Non-consolidated Financial Statements of Kiraboshi Bank, Ltd.
(1) Overview of Non-consolidated Financial Statements
November 1, 2023
Company name: Kiraboshi Bank, Ltd.
Representative: Hisanobu Watanabe, President
Responsible person for inquiries: Takeshi Yoshino, Director Executive Officer
URL: https://www.kiraboshibank.co.jp
Telephone: +81-3-6447-5799
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, 2024
(From April 1, 2023 to September 30, 2023)(1) Results in non-consolidated operations (cumulative)(Percentages represent year-on-year changes.)

Ordinary income

Ordinary profit

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

First half of the fiscal year
ending March 31, 2024

61,424

2.6

22,251

2.2

17,6842.0First half of the fiscal year
ended March 31, 2023

59,83851.9

21,764212.7

17,332271.9(2) Non-consolidated financial position
Total assets

Total net assets

Net assets to total assets ratio(¥ million)(¥ million)(%)

First half of the fiscal year
ending March 31, 2024

6,530,889

329,777

5.0

Fiscal year ended March
31, 2023

6,688,420

317,832

4.7(Reference)
Equity: First half of the fiscal year ending March 31, 2024: ¥329,777 million
Fiscal year ended March 31, 2023: ¥317,832 million(Note)“Equity” is the value of total net assets at the end of the period, and “Net assets to total 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 (Financial Services Agency Notification No. 19 of 2006).

13

(2) Non-consolidated Interim Balance Sheets
Kiraboshi Bank, Ltd.
(¥ million)
As of March 31, 2023
AssetsCash and due from banks
Call loans
Other debt purchased
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchange
Other assets
Tangible fixed assets
Intangible fixed assets
Prepaid pension cost
Deferred tax assets
Customers’ liabilities for acceptances andguarantees
Reserve for possible loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money
Payables under securities lending transactions
Borrowed money
Foreign exchange
Other liabilities
Reserve for employee bonuses
Provision for directors’ bonuses
Provision for stock compensation
Reserve for point card certificates
Reserve for loss on dormant deposit repayments
Provision for contingent loss
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities
Net Assets
Common stock

As of September 30, 2023

904,424
9,640
58,507861
2,867
855,8124,735,398
4,519
50,56762,253
6,958
12,608
6,997

679,102
6,177
54,044824
3,686
820,842
4,834,470
5,857
52,212
63,296
8,597
13,452
7,980

5,981

6,078

(28,978)(25,736)

6,688,420

6,530,889

5,348,246
9,500
448,139
184,751
333,943
258
35,348
1,400
73
262

5,481,496
9,500
157,589
128,452
389,284
1,749
22,750
1,472
－

2
259
883
1,535
5,981

2
174
861
1,535
6,078

6,370,587

6,201,112

163

43,73443,734

Capital surplus
Retained earnings

166,173
113,826

166,173
129,441

Total shareholders’ equity

323,735

339,349(4,131)(7,845)－Net unrealized gain on available-for-salesecurities
Net deferred gains (losses) on hedges
Revaluation reserve for land

(1,770)43(1,770)Total valuation and translation adjustments(5,902)(9,572)

317,832

329,777

6,688,420

6,530,889

Total net assets
Total liabilities and net assets
14

(3) Non-consolidated Interim Statements of Income
Kiraboshi Bank, Ltd.
(¥ million)
First half of the fiscal year
ended March 31, 2023
Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Other operating income
Other ordinary income
Ordinary expenses
Financing expenses
Interest on deposits
Fees and commissions payments
Other operating expenses
General and administrative expenses
Other ordinary expenses

First half of the fiscal year
ending March 31, 2024

59,83841,48927,527
12,962
221
6,791
7,894
3,442
38,074
1,475
307
1,754
7,942
24,79061,42445,77632,57812,317
168
8,485
823
6,170
39,172
3,224
668
1,793
4,961
26,240

2,112

2,953

Ordinary profit

21,764

22,251

Extraordinary income
Gains on return of securities from retirement
benefit trust
Extraordinary losses
Loss on disposal of non-current assets

1,520

－

1,520

－

104
104

64
64

Income before income taxes

23,18022,187

Income taxes – current
Income taxes – deferred

3,038
2,808

3,849
653

Total income taxes

5,847

4,502

Net income

17,332

17,68415

4. (Reference) Non-consolidated Financial Statements of UI Bank Co., Ltd.
(1) Overview of Non-consolidated Financial Statements
November 1, 2023
Company name: UI Bank Co., Ltd
Representative: Nobuyuki Yasuda, President
Responsible person for inquiries: Nobuhito Fukuda, General manager of Corporate Planning Division
URL: https://www.uibank.co.jp
Telephone: +81-3-6271-5979
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, 2024
(From April 1, 2023 to September 30, 2023)(1) Results in non-consolidated operations(Percentages represent year-on-year changes.)

Ordinary income

Ordinary profit

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

First half of the fiscal year
ending March 31, 2024

1,342

141.6

(1,172)－(1,175)－First half of the fiscal year
ended March 31, 2023

555

－

(915)

－

(917)

－

(2) Non-consolidated financial position
Total assets

Total net assets

Net assets to total assets ratio(¥ million)(¥ million)(%)

First half of the fiscal year
ending March 31, 2024

480,319

8,808

1.8

Fiscal year ended March
31, 2023

343,260

6,483

1.8

(Reference)
Equity: First half of the fiscal year ending March 31, 2024: ¥8,808 million
Fiscal year ended March 31, 2023: ¥6,483 million(Note)“Equity” is the value of total net assets at the end of the period, and “Net assets to total 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 (Financial Services Agency Notification No. 19 of 2006).
For the results in non-consolidated operations of UI Bank Co., Ltd., year-on-year changes are not provided, as it only
commenced operation in January 2022.

16

(2) Non-consolidated Interim Balance Sheets
UI Bank Co., Ltd.
(¥ million)
As of March 31, 2023
AssetsCash and due from banks
Securities
Loans and bills discounted
Other assets
Tangible fixed assets
Intangible fixed assets
Reserve for possible loan losses

As of September 30, 2023

67,296501
271,001
1,926
28
2,613
(108)

79,5147,420
389,053
1,806
27
2,652
(155)

343,260

480,319335,860
903

468,300
3,210

9

－

5

－

Total liabilities

336,777

471,511

Net Assets
Common stock
Capital surplus
Retained earnings

4,875
4,425
(2,816)

6,625
6,175
(3,991)

Total shareholders’ equity

6,483

8,808

Total net assets

6,483

8,808

343,260

480,319

Total assets
Liabilities
Deposits
Other liabilities
Provision for bonuses for directors (and otherofficers)
Provision for share-based payments

Total liabilities and net assets

17

(3) Non-consolidated Interim Statements of Income
UI Bank Co., Ltd.
(¥ million)
First half of the fiscal year
ended March 31, 2023
Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Fees and commissions
Other operating income
Other ordinary income
Ordinary expenses
Financing expenses

First half of the fiscal year
ending March 31, 2024
555
550
557
0
4
－

Interest on deposits
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other operating expenses

0
1,470
225

1,342
1,317
1,329
2
14
0
10
2,515
805

225

805

9
－

29
0
1,586
93

1,142
93

Ordinary profit (loss)(915)(1,172)

Income (loss) before income taxes(915)(1,172)

1

2

Income taxes – current
Total income taxes

1

2

Net income (loss)(917)(1,175)18