Financial Results
for the Fiscal Year Ended March 31, 2019
- Supplementary Information -Contents
I. Overview of Financial Results for the Fiscal Year Ended March 31, 2019
1. Status of Profit/Loss･･･････

1-2

2. Business Income･･･････

3

3. Margin･･･････

3

4. ROE

･･･････

4

5. OHR･･･････

4

6. Gain/Loss on Securities･･･････

5

7. Capital Ratio (Domestic Standards)･･･････

6

1. Risk-monitored Loans･･･････

7

2. Loans Based on the Financial Reconstruction Act･･･････

8

3. Coverage Status of Loans Based on the Financial Reconstruction Act･･･････

8

4. Status of Reserve for Possible Loan Losses･･･････

8

5. Status of Problem Assets Subject to Disclosure･･･････

9

6. Loan Breakdown by Industrial Sector･･･････

10

7. Deposits and Loans･･･････

11-12

1. Valuation Standards･･･････

13

2. Gain/Loss on Valuation･･･････

13

II. Status of Loans

III.

Valuation Gain/Loss on Securities<Method of presentation of the figures>
Effective May 1, 2018, the Group concluded a merger of its consolidated subsidiaries of the former Tokyo Tomin Bank, theformer Yachiyo Bank and the former ShinGinko Tokyo, with the former Yachiyo Bank as the surviving company and the former
Tokyo Tomin Bank and the former ShinGinko Tokyo as the dissolving companies, and changed its business name to Kiraboshi
Bank.
Accordingly, for accounting purposes, April 2018 figures of the two dissolved companies of the former Tokyo Tomin Bank andthe former ShinGinko Tokyo are not included in the figures of Kiraboshi Bank for the fiscal year ended March 31, 2019.
In this supplementary information, from the point of view of appropriate period-over-period comparison of each item, thefollowing rules are applied in the calculation of Kiraboshi Bank figures that are presented herein.
- Figures for the fiscal year ended March 31, 2018 and figures as of March 31, 2018 (excluding capital ratio)
Sum of the figures of the former Tokyo Tomin Bank, the former Yachiyo Bank and the former ShinGinko Tokyo.
- Figures as of March 31, 2018 (capital ratio)
Respective figures of the former Tokyo Tomin Bank, the former Yachiyo Bank and the former ShinGinko Tokyo individually- Figures as of March 31, 2019
Kiraboshi Bank figures- Figures for the the fiscal year ended March 31, 2019 (excluding profit/loss status)
Sum of Kiraboshi Bank figures for May 2018 onward and figures of the former Tokyo Tomin Bank, the former Yachiyo Bank andthe former ShinGinko Tokyo for the month of April 2018.
- Figures for the the fiscal year ended March 31, 2019 (profit/loss status)(A) Reporting basis
Sum of Kiraboshi Bank figures for May 2018 onward and the former Yachiyo Bank figures for the month of April 2018.
(B) Combined basis
Sum of Kiraboshi Bank figures for May 2018 onward and figures of the former Tokyo Tomin Bank, the former Yachiyo Bank andthe former ShinGinko Tokyo for the month of April 2018.

I. Overview of Financial Results for the Fiscal Year Ended March 31, 2019
1. Status of Profit/Loss(1) Tokyo Kiraboshi Financial Group [Consolidated]
Consolidated ordinary income for the fiscal year ended March 31, 2019 decreased by 3,839 million yen year-onyear to 78,777 million yen, consolidated ordinary profit decreased by 1,247 million yen year-on-year to 3,480
million yen. Due to tax effect accounting, profit attributable to owners of parent for the fiscal year ended March 31,
2019 increased by 1,237 million yen year-on-year to 4,914 million yen.
(Millions of yen)
Fiscal year ended
Mar. 31, 2019 (A)Fiscal year ended
Mar. 31, 2018 (B)Difference(A) – (B)

Ordinary income

1

78,777(3,839)82,616Gross business profit

2

68,053(428)

68,481(Excluding gains/losses on bonds (five accounts total))

3

68,326(1,479)69,805

Net interest income

454,975

950

54,025

Trust fees

5

107

51

56

Net fees and commissions

6

13,299(810)

14,109Other business income (loss)

7

(328)

(619)

291

Expenses (excluding non-recurring losses)

855,970(3,063)59,033Credit-related costs

9

4,369

2,327

2,042

Write-off of loans

10

151

47

104

Transfer to reserve for individual possible loan losses

11

3,188

213

2,975

Other credit-related costs

12

1,029

2,066

(1,037)

Gains (losses) on stocks and other securities

13

1,467

(1,062)

2,529

Profit on investments based on the equity method

14

(39)

(74)

35

Others15(5,661)(420)(5,241)

Ordinary profit

16

3,480

(1,247)

4,727

Extraordinary profit (loss)

17

(111)

(119)

8

Income before income taxes

18

3,368

(1,367)

4,735

Total income taxes

19(1,575)(2,620)

1,045

Income taxes – current

20

1,079

(28)

1,107

Income taxes – deferred21(2,655)(2,594)(61)

Profit (loss)

22

4,944

1,255

3,689

Profit (loss) attributable to non-controlling interests

23

30

18

12

Profit (loss) attributable to owners of parent

24

4,914

1,237

3,677

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

Consolidated subsidiaries

25

12

(1)

13

Equity-method affiliates

26

2

-

2

(Note)
From the fiscal year ended March 31, 2019, former Tokyo Tomin Bank and former ShinGinko Tokyo are excluded
from the scope of consolidation. This is because, effective May 1, 2018, the two banks ceased to exist as a resultof an absorption-type merger where former Yachiyo Bank is the surviving company.

1(2) Kiraboshi Bank, Ltd.
Although good progress was made in cost reductions from the synergistic effects of the merger, net core business income (on a combined
basis) decreased by 1,105 million yen year-on-year to 13,015 million yen, due largely to a decrease in net interest income including interest
on loans and discounts.
Credit-related costs increased by 2,269 million yen year-on-year to 4,381 million yen, attributable primarily to 697 million yen provided inreserve for individual possible loan losses in connection with misconduct (embezzlement of cash) by a former bank employee.
As a result, ordinary profit decreased by 3,961 million yen year-on-year to 4,496 million yen, profit for the fiscal year ended March 31, 2019
decreased by 1,454 million yen year on year to 5,768 million yen.

(Millions of yen)[Non-consolidated]
Fiscal year ended
Mar. 31, 2019 (A)(reporting basis)

Fiscal year ended
Mar. 31, 2019 (B)(combined basis)

75,84664,50264,76962,52462,35652,216
104
9,993
209
1,978
2,413
2,427
216
(666)
52,00025,984
22,267
3,748
12,501
12,769609
11,891(267)(7,424)
3,815
136
3,138
52
36
442
8
79
1,852
2,215
198
163
(5,540)
4,467
(96)
4,370
(1,377)619(1,997)
5,748

79,202
67,352
67,617
65,23865,06754,594107
10,323
213
2,114
2,549
2,493
227
(606)
54,601
27,17623,381
4,043
12,751
13,015
540
12,210(264)(7,714)
3,840
136
3,155
52
43
443
8
79
1,851
2,216
200
163
(5,804)
4,496
(111)
4,384
(1,383)650(2,034)
5,768(6,972)(2,862)(3,887)(3,818)(3,312)(2,077)51(760)(1,032)
957
(576)
348
12
598
(2,783)(1,264)
(984)
(534)
(79)
(1,105)922(1,002)
1,026(2,960)
428
46
283
(114)
106
113
(6)
(917)
(144)
(988)
(752)
90
146
(481)
(3,961)(58)(4,020)(2,564)2(2,566)(1,454)

86,17470,21471,504
69,056
68,37956,671
56
11,083
1,245
1,157
3,125
2,145
215
(1,204)
57,38428,44024,365
4,577
12,83014,120(382)
13,212(1,290)(4,754)
3,412
90
2,872
166
(63)
330
14
917
223
2,839
2,968
110
17
(5,323)
8,457
(53)
8,404
1,181
648
532
7,222

46

4,425

4,381

2,269

2,112

47
48
49

77,661
5,617
6,438

81,0175,646
6,458(5,228)(1,599)1,132

1
2(Excluding gains/losses on bonds (five accounts total)) (Gross core business profit)
3
Gross domestic business profit
4(Excluding gains/losses on bonds (five accounts total))
5
Net interest income
6
Trust fees
7
Net fees and commissions
8
Other business income (loss)
9
Gross international business profit
10(Excluding gains/losses on bonds (five accounts total))
11
Net interest income
12
Net fees and commissions
13
Other business income (loss)
14
Expenses (excluding non-recurring losses)
15
Personnel expenses
16
Non-personnel expenses
17
Taxes
18
Net business income (before transfer to reserve for general(Net business income)19
possible loan losses)(Excluding gains/losses on bonds (five accounts total)) (Core business income)20
Transfer to reserve for general possible loan losses (1)21
Net business income
22(Gains/losses on bonds (five accounts total))
23
Non-recurring profit (loss)
24
Loss from write-off of non-performing loans(2)25
Write-off of loans
26
Transfer to reserve for individual possible loan losses
27
Loss on disposal of receivables
28
Provision for contingent loss
29
Credit guarantee association responsibility-sharing system charge
30
Other losses from write-off of non-performing loans
31
Reversal of allowance for loan losses(3)
32
Recoveries of written-off claims
33
Gains (losses) on stocks and other securities
34
Gain on sale of stocks and other securities
35
Loss on sale of stocks and other securities
36
Loss on devaluation of stocks and other securities
37
Other non-recurring profit (loss)
38
Ordinary profit
39
Extraordinary profit (loss)
40
Income before income taxes
41
Total income taxes
42
Income taxes – current
43
Income taxes – deferred
44
Net income
45
Ordinary income

Gross business profit

Credit-related costs(1)＋(2)−(3)Difference(A) – (B)(Millions of yen)[Consolidated]
Ordinary income
Ordinary profit
Profit attributable to owners of parent

Fiscal year ended
Mar. 31, 2018(combined basis)

2

86,2457,245
5,326

2. Business Income
Kiraboshi Bank, Limited [Non-consolidated] Fiscal year ended March 31, 2019 (combined basis)(Millions of yen)
Fiscal year ended
Mar. 31, 2019
(A)
Net business income (before transfer to reserve for general possible loan
losses)Per employee (thousands of yen)
Net business income
Per employee (thousands of yen)
Net core business income
Per employee (thousands of yen)

Fiscal year ended
Mar. 31, 2018(B)

Difference(A) – (B)

12,751(79)

12,830

4,208

244

3,964

12,210(1,002)

13,212

4,029

(53)

4,082

13,015(1,105)

14,120

4,295

(68)

4,363

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 [Non-consolidated]
Kiraboshi Bank, Limited [Non-consolidated] Fiscal year ended March 31, 2019 (combined basis)<Total>(%)
Fiscal year ended
Mar. 31, 2019
(A)

Fiscal year ended
Mar. 31, 2018(B)

Difference(A) – (B)Yields on interest-earning assets

(C)

1.15

(0.01)

1.16

Loans and bills discounted

(c)

1.18

(0.03)

1.21

Securities
Cost of funding
Deposits, etc.

1.35

(0.01)

1.36

(D)

1.11

(0.04)

1.15

(d)

0.02

(0.01)

0.03

0.34

0.01

0.33

External liabilities
Difference of interest rates between deposits and loans(c)‑(d)1.16(0.02)

1.18

Net interest margin(C)‑(D)

0.04

0.03

0.01

<Domestic Operations>(%)
Fiscal year ended
Mar. 31, 2019
(A)

Fiscal year ended
Mar. 31, 2018(B)

Difference(A) – (B)Yields on interest-earning assets

(C)

1.09

(0.03)

1.12

Loans and bills discounted

(c)

1.17

(0.04)

1.21

Securities
Cost of funding
Deposits, etc.

1.18

(0.08)

1.26

(D)

1.07

(0.05)

1.12

(d)

0.02

(0.01)

0.03

0.03

0.00

0.03

External liabilities
Difference of interest rates between deposits and loans(c)‑(d)1.15(0.03)

1.18

Net interest margin(C)‑(D)

0.02

0.02

0.00

3

4. ROE
Tokyo Kiraboshi Financial Group [Consolidated](%)
Fiscal year ended
Mar. 31, 2019(A)

On basis of profit attributable to owners of parent

Difference(A) – (B)

1.68

Fiscal year ended
Mar. 31, 2018
(B)

0.40

1.28

Profit attributable to owners of parent(Note) ROE [Consolidated] ＝×100(Net assets at the beginning of the period + net assets at the end of the period) ÷ 2

Kiraboshi Bank, Limited [Non-consolidated] Fiscal year ended March 31, 2019 (combined basis)(%)
Fiscal year ended
Mar. 31, 2019(A)

Difference(A) – (B)Fiscal year ended
Mar. 31, 2018(B)

On a basis of net business income (before transfer to reserve for general possible loan losses)

4.44(0.12)

4.56

On a basis of net business income

4.25(0.45)

4.70

On a basis of net core business income

4.53(0.49)

5.02

On the basis of profit attributable to owners of parent

2.01(0.56)

2.57

Net income(Note) ROE [Non-consolidated] ＝× 100(Net assets at the beginning of the period + net assets at the end of the period) ÷ 2* In the above calculation formula, the net assets figure at the beginning of the year is the sum of net assetsof the former Tokyo Tomin Bank, the former Yachiyo Bank and the former ShinGinko Tokyo as of April 1,
2018.

Kiraboshi Bank, Limited [Consolidated] Fiscal year ended March 31, 2019 (combined basis)(%)
Fiscal year ended
Mar. 31, 2019(A)

Difference(A) – (B)Fiscal year ended
Mar. 31, 2018(B)

On a basis of net business income (before transfer to reserve for general possible loan losses)

4.78

0.69

4.09

On a basis of net business income

4.63

0.38

4.25

On a basis of net core business income

4.87

0.33

4.54

On the basis of profit attributable to owners of parent

2.21

0.35

1.86

Profit attributable to owners of parent(Note) ROE [Consolidated] ＝×100(Net assets at the beginning of the period + net assets at the end of the period) ÷ 2* In the above calculation formula, the net assets figure at the beginning of the year is the sum of net assetsof the former Tokyo Tomin Bank, the former Yachiyo Bank and the former ShinGinko Tokyo as of April 1,
2018.

5. OHR
Kiraboshi Bank, Limited [Non-consolidated] Fiscal year ended March 31, 2019 (combined basis)(%)
Fiscal year ended
Mar. 31, 2019(A)

Difference(A) – (B)Fiscal year ended
Mar. 31, 2018(B)

On a basis of gross core business profit

80.75

0.50

80.25

On a basis of gross business profit

81.06(0.66)

81.72(Note) OHR=

Expenses
Gross business profit

×

100

4

6. Gain/Loss on Securities
Kiraboshi Bank, Limited [Non-consolidated] Fiscal year ended March 31, 2019 (combined basis)(Millions of yen)
Fiscal year ended
Mar. 31, 2019(A)
Gains (losses) on bonds
Gain on sale of bonds
Gain on redemption of bonds

Fiscal year ended
Mar. 31, 2018(B)

Difference(A) – (B)

(264)

1,026

(1,290)

488

(660)

1,148

0

0

-

743

(1,696)2,439

Loss on redemption of bonds

-

-

-

Amortization on bonds

9

9

-

1,851

(988)

2,839

Gain on sale of stock and other securities

2,216

(752)

2,968

Loss on sale of stock and other securities

200

90

110

Amortization of stock and other securities

163

146

17

Loss on sale of bonds

Gain (loss) on securities from application of mark-to-market accounting (securities)57. Capital Ratio (Domestic Standards)(1) Tokyo Kiraboshi Financial Group [Consolidated](Millions of yen, %)March 31, 2019
(A)(1) Capital ratio (%)(4)/(5)(2) Basic items in core capital(3) Adjustments in core capital

March 31, 2018(B)

Difference(A) – (B)

8.86

(0.19)

9.05

294,920997

293,923

13,602

1,052

12,550(2) – (3)281,317(56)

281,373

Directly issued qualifying common stock or mandatory convertible preferred stock plus related capital surplus and retained earnings(4) Capital

285,187

2,565

282,622

Total provisions included in basic items in core capital

5,791

597

5,194

Eligible capital instruments subject to transitional arrangements included in basic items in core capital

5,000

-

5,000

3,172,426

64,657

3,107,769

126,897

2,587

124,310(5) Risk-weighted assets(6) Total necessary capital(5) × 4%(2) Kiraboshi Bank, Limited [Non-consolidated](Millions of yen, %)March 31, 2018
March 31, 2019

8.58

Formerly The
Tokyo Tomin
Bank, Limited
6.58

Formerly The
Yachiyo Bank,
Limited
8.54

Formerly
ShinGinko
Tokyo, Limited
20.34(2) Basic items in core capital

287,947

109,394

110,988

63,342(3) Adjustments in core capital

14,836

11,337370148(2) – (3)273,111

98,057

110,617

63,193

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

276,901

102,635

108,181

62,436

5,495

1,824

2,080

906

(1) Capital ratio (%)(4) Capital(4)/(5)

Total provisions included in basic items in core capital

5,000

5,000

-

-

3,179,725

1,488,813

1,294,339

310,631

127,189

59,552

51,773

12,425

Eligible capital instruments subject to transitional arrangements included in basic items in core capital(5) Risk-weighted assets(6) Total necessary capital(5) × 4%(Note)
Capital ratio is calculated based on Financial Service Agency Notifications No.19 and 20 of 2006.
The standardized approach is applied for calculating credit risks and assets, while the fundamental approach is applied for calculating theamount equivalent to operational risk.

(3) Kiraboshi Bank, Limited [Consolidated](Millions of yen, %)March 31, 2018
March 31, 20198.76

Formerly The
Tokyo Tomin
Bank, Limited
6.75

Formerly The
Yachiyo Bank,
Limited
8.69(2) Basic items in core capital

292,460

113,193

113,082(3) Adjustments in core capital

13,691

12,253378(2) – (3)278,769

100,940

112,704

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

282,138

105,231110,200

5,791

1,986

2,301

(1) Capital ratio (%)(4) Capital(4)/(5)

Total provisions included in basic items in core capital

5,000

5,000

-

3,181,594

1,494,006

1,295,574

127,263

59,76051,822

Eligible capital instruments subject to transitional arrangements included in basic items in core capital(5) Risk-weighted assets(6) Total necessary capital(5) × 4%(Note) The former ShinGinko Tokyo, Limited, has no consolidated subsidiaries, so the net assets to total assets ratio has not been calculated.

6

II. Status of Loans
1. Risk-monitored Loans
Kiraboshi Bank, Limited [Non-consolidated][Risk-monitored loans amount](Millions of yen)March 31, 2019
(A)

March 31, 2018(B)

Difference (A) – (B)Bankrupt loans

5,561(1,126)

6,687

Non-accrual loans

75,664349

75,315

Past-due loans (3 months or more)
Restructured loans
Risk-monitored loan amount
Loan balances

280

21

259

4,424

1,883

2,541

85,9301,12684,804

3,696,166

19,935

3,676,231[Loan balance ratio](%)

March 31, 2019(A)
Bankrupt loans

0.15

March 31, 2018(B)

Difference (A) – (B)(0.03)

0.18
2.04

Non-accrual loans

2.04

-

Past-due loans (3 months or more)

0.00

-

0.00

Restructured loans

0.11

0.05

0.06

2.32

0.02

2.30

Loan balance ratio(Reference) Risk-monitored Loans after Partial Direct Write-Offs[Risk-monitored loan amount](Millions of yen)March 31, 2019
(A)

March 31, 2018(B)

Difference (A) – (B)Bankrupt loans

1,318

(470)

1,788

Non-accrual loans

69,531(1,337)70,868

280

21

259

4,424

1,883

2,541

Past-due loans (3 months or more)
Restructured loans
Risk-monitored loan amount
Loan balances

75,55496

75,4583,685,791

18,907

3,666,884[Loan balance ratio](%)

March 31, 2019(A)
Bankrupt loans

March 31, 2018(B)

Difference (A) – (B)

0.03(0.01)

0.04

Non-accrual loans

1.88(0.05)

1.93

Past-due loans (3 months or more)

0.00

-

0.00

Restructured loans

0.12

0.06

0.06

2.04

(0.01)

2.05

Loan balance ratio

7

2. Loans Based on the Financial Reconstruction Act
Kiraboshi Bank, Limited [Non-consolidated](Millions of yen, %)March 31, 2019(A)

Difference (A) – (B)March 31, 2018
(B)

Bankrupt and quasi-bankrupt assets

18,176

1,152

17,024

Doubtful assets

65,124(1,481)

66,605

Substandard loans
Subtotal(a)Normal assets

1,903

2,801

1,575

86,431

3,685,768

39,762

3,646,006(b)

3,773,774

41,337

3,732,437(a)/(b)

2.33

0.02

2.31

Total credit amount
Ratio of total credit amount (%)

4,704
88,006(Reference) Loans Based on the Financial Reconstruction Act after Partial Direct Write-Offs(Millions of yen, %)March 31, 2019(A)

Difference (A) – (B)March 31, 2018
(B)

Bankrupt and quasi-bankrupt assets

6,902

(461)

7,363

Doubtful assets

65,124(1,481)

66,605

Substandard loans
Subtotal(a)Normal assets

1,903

2,801

(39)

76,7703,685,768

39,762

3,646,006(b)

3,762,500

39,7233,722,777(a)/(b)2.03(0.03)

2.06

Total credit amount
Ratio of total credit amount (%)

4,704
76,731

3. Coverage Status of Loans Based on the Financial Reconstruction Act
Kiraboshi Bank, Limited [Non-consolidated](Millions of yen, %)March 31, 2019
(A)
Covered amount(a)

Difference (A) – (B)March 31, 2018
(B)

69,738(391)

19,872(474)

20,346

Bankrupt and quasi-bankrupt assets

11,622

1,594

10,028

Doubtful assets

8,068(2,085)

10,153

Reserve for possible loan losses

Substandard loans

70,129

181

17

164

49,86684

49,782Bankrupt and quasi-bankrupt assets

6,553

(441)

6,994

Doubtful assets

42,022

163

41,859Collateral, guarantees, etc.

Substandard loans

1,290

362

928

(b)

88,006

1,575

86,431(a)/(b)79.24(1.89)

81.13

Problem assets
Coverage ratio (%)

4. Status of Reserve for Possible Loan Losses
Kiraboshi Bank, Limited [Non-consolidated](Millions of yen)March 31, 2019
(A)
Reserve for possible loan losses

Difference (A) – (B)March 31, 2018
(B)

25,073

135

Provision of general reserve for possible loan losses

5,102

540

4,562

Provision for individual possible loan losses

19,970(406)

20,376

824,938

5. Status of Problem Assets Subject to Disclosure
Kiraboshi Bank, Limited [Non-consolidated][Fiscal year ended March 2019](Billions of yen)Self-assessment

Classification ofborrowers
Bankrupt borrowers
5.6
<1.3>

Disclosed debts based on Financial Reconstruction Act

Classification
Not classified

Classification
II

Classification
III

Classification
IV

4.8

0.7

─
[0.0]

─
[4.2]

Disclosed debts(credit balance)

Collateral,guarantees, Reserve
etc.

Coverage
ratio

6.5

11.6

100.0%＜100.0%＞Non-accrual loans
75.6<69.5>

Virtually bankrupt borrowers

12.5
<5.5>

9.2

3.3

─
[0.2]

31.0

18.9

15.0
[8.0]

─
[7.0]

Doubtful assets
65.1

Borrowers with bankruptcy concerns

65.1

42.0

8.0

76.9%

Past-due loans(3 months or more)

Substandard loans

4.7

1.2

0.1

31.2%

Substandard
borrowers

6.1

0.3

5.7
Subtotal
88.0<76.7>

560.5
Borrowers
requiring caution,
excluding claims
to substandard
borrowers

109.6

0.2
Restructured
loans

Borrowers
requiring
caution554.4

Disclosed debts(loan balance)
Bankrupt loans
5.5
<1.3>

Bankrupt andquasi-bankrupt
18.1
<6.9>

Risk-monitoredloans
under the Banking
Law(Object: Loans)

Total
79.2%
＜76.1%＞

4.4
Total
85.9
<75.5>

Claims to borrowers
requiring caution,
excluding claims tosubstandard borrowers

444.7

555.8
Normal borrowers
3,129.9

Normal assets
3,685.7

3,129.9

Total
3,773.7<3,762.5>

3,285.1

473.5

15.0

─

Ratio to total debts

87.0%

12.5%

0.3%

─

Total
3,773.7<3,762.5>

Notes:
1. Self-assessment includes loans, repayments for which payment is approved, foreign exchange, provisional payment pursuant toloans, accrued interests and privately placed bonds guaranteed by banks. The amount for 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 write-offs are provided inangled brackets.
4. Partial direct write-off means that, regarding debts with collateral/guarantees that are judged uncollectible or valueless, theClassification IV amount is decreased from the debt amount directly as a loan loss write-off.

9

6. Loan Breakdown by Industrial Sector
Kiraboshi Bank, Limited [Non-consolidated](i) Loan breakdown by industrial sector(Millions of yen)March 31, 2019(A)
All branches
Manufacturing
Agriculture, forestry
Fishery
Mining, quarrying of stone and gravel

Construction
Electricity, gas and heat supplies, and waterworks

Communication service
Transportation, postal activities
Commerce
Banks and other financial institutions

Real estate(Real estate brokerage)(Real estate leasing)
Goods rental and leasing
Scientific research, professional and technical services

Accommodations
Restaurant businesses
Living-related and personal services, amusement services

Education, learning support
Medical healthcare and welfare
Other services
Local governments
Other3,696,166
325,792
1,025
280
1,330
195,117
10,59979,633
94,343440,118
205,755
865,625
378,517487,106
90,92055,043
17,35237,49452,441
17,586111,955
87,409153,262853,068

Difference(A) – (B)
19,935
1,620
50
272
206
6,422
(2,170)(1,443)(4,780)12,492(3,731)
52,34026,60425,735(1,267)3,612(2,490)2,534(3,471)
1,014
2,388(1,341)(13,456)(28,866)

March 31, 2018
(B)
3,676,231
324,172975
8
1,124
188,695
12,76981,07699,123427,626
209,486
813,285
351,913461,371
92,18751,431
19,842
34,96055,912
16,572
109,567
88,750166,718
881,934(Notes)
1. As special international financial transaction account is included in “Other,” and the same applies for (ii) below.
2. “Real estate brokerage” consists of real estate services by businesses with a license for real estate brokerage, while“Real estate leasing” consists of leasing by personal businesses mainly engaged in apartment management. The
same applies for (ii) below.

(ii) Risk-monitored loans by industrial sector(Millions of yen)March 31, 2019(A)
All branches
Manufacturing
Agriculture, forestry
Fishery

85,93012,634
156
6,454
4,580
1,985
26,077
458
7,374
1,298
6,076
248
2,045
762
1,501
1,528
171
5,796
2,920
11,232Mining, quarrying of stone and gravel

Construction
Electricity, gas and heat supplies, and waterworks

Communication service
Transportation, postal activities
Commerce
Banks and other financial institutions

Real estate(Real estate brokerage)(Real estate leasing)
Goods rental and leasing
Scientific research, professional and technical services

Accommodations
Restaurant businesses
Living-related and personal services, amusement services

Education, learning support
Medical healthcare and welfare
Other services
Local governments
Other
10

March 31, 2018(B)

Difference(A) – (B)
1,126
(3,286)
(83)
1,411
785
99
2,312
306
77
165
(88)
84
432
31
237
(168)
(138)
(1,043)250(183)

84,804
15,920
239
5,043
3,795
1,886
23,765
152
7,297
1,133
6,164
164
1,613
731
1,264
1,696
309
6,839
2,670
11,415

7. Deposits and Loans
Kiraboshi Bank, Limited [Non-consolidated](1) Status of loans(Millions of yen, %)March 31, 2019
(A)
Loans (balance)
Excluding offshore accounts

3,696,166
3,696,166
3,068,218
2,219,408
848,81083.01
3,638,195(a)
Loans to small and medium-sized enterprises (b)Small and medium-sized enterprise loans

Personal loans
Percentage of total loans(b) / (a)Loans (average balance)

Difference(A) – (B)
19,93520,08467,94988,964(21,015)
1.40
26,282

March 31, 2018
(B)
3,676,231
3,676,082
3,000,269
2,130,444
869,82582
3,611,913(2) Consumer loan balance(Millions of yen)March 31, 2019(A)
Consumer loan balance
Housing-related loans
Other loans

789,446
671,727
117,718

Difference(A) – (B)(26,623)(22,474)(4,150)March 31, 2018
(B)
816,069
694,201
121,868(3) Status of deposits(Millions of yen)March 31, 2019
(A)
Deposits (balance)
Deposits
Personal deposits
Corporate deposits
Deposits
Negotiable certificates of deposit
Negotiable certificates of deposit
Deposits
Negotiable certificates of deposit

4,558,583
4,539,073
3,022,848
1,400,870
115,354
19,5104,589,329
4,561,073
28,255Difference(A) – (B)(157,336)(163,896)(135,536)(225)(28,135)
6,560(176,695)(181,548)
4,853

March 31, 2018
(B)
4,715,919
4,702,969
3,158,384
1,401,095
143,489
12,9504,766,024
4,742,621
23,402(4) Deposits and loan balances by region(Millions of yen)March 31, 2019
(A)
Deposits
Tokyo Metropolis
Kanagawa Prefecture
Others
Loans
Tokyo Metropolis
Kanagawa Prefecture
Others4,539,073
3,479,172
984,51475,387
3,696,166
3,094,816
557,935
43,41511

Difference(A) – (B)(163,896)(160,274)(1,691)(1,930)19,935
17,6002,007
329

March 31, 2018
(B)
4,702,969
3,639,446
986,205
77,317
3,676,231
3,077,216
555,928
43,086

(5) Assets under management(Millions of yen)March 31, 2019
(A)
Assets under management
Investment trust
Life insurance
Public bonds

492,098
214,629
241,50235,966

Difference(A) – (B)
14,4459,314
13,044(7,913)

March 31, 2018
(B)
477,653
205,315
228,458
43,879(6) Status of branches and employees(Branches, persons)March 31, 2019
(A)
164
124
36
4
2,918
15
2,903

Domestic head office and branch offices (including representative offices)Tokyo Metropolis
Kanagawa Prefecture
OthersNumber of executives and employees
Number of executives
Number of employees

March 31, 2018(B)

Difference(A) – (B)
0
0
0
0
(214)
(13)
(201)

164
124
36
4
3,132
28
3,104

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

(7) Construction in trust(Millions of yen)March 31, 2019(A)
36,3795,407

Value of construction in trust contracts
Balance of construction in trust purchased

12

Difference(A) – (B)
13,105(2,701)March 31, 2018
(B)
23,274
8,108

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

Mark-to-market method

Marketable bonds held to maturity

Amortized cost method

Available-for-sale securities
Available-for-sale securities w ith market value

Mark-to-market method (Valuation gains or losses on available-for-sale securities arerecorded as a separate item under net assets.)

Available-for-sale securities whose market values are considered to be extremely difficult to assess

Cost method

Investments in subsidiaries and affiliates

Cost method

2. Gain/Loss on Valuation(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen)March 31, 2019 (A)Gain (loss) on
valuation (A)(A) – (B)

March 31, 2018 (B)Valuation
gain

Valuation
loss

Gain (loss) on
valuation (B)Valuation
gain

Valuation
loss

Marketable bonds held to maturity

13,241(212)

13,391150

13,453

13,885432

Available-for-sale securities

11,873

3,801

15,782

3,909

8,072

13,852

5,779

Stocks

6,064(2,409)

8,045

1,981

8,473

9,426

953

Bonds

2,825

2,322

3,139

313

503

1,725

1,222

Others

2,983

3,886

4,597

1,614

(903)

2,700

3,603

25,115

3,590

29,174

4,059

21,52527,738

6,212

Total

(2) Kiraboshi Bank, Limited [Non-consolidated](Millions of yen)March 31, 2019 (A)Gain (loss) on
valuation (A)(A) – (B)

March 31, 2018 (B)Valuation
gain

Valuation
loss

Gain (loss) on
valuation (B)Valuation
gain

Valuation
loss

Marketable bonds held to maturity

19,136(1,596)

19,284148

20,732

21,147415

Available-for-sale securities

16,175

2,578

19,421

3,246

13,597

18,817

5,220

Stocks7,019(2,957)

8,490

1,471

9,976

10,659

683

Bonds

4,057

1,752

4,345

288

2,305

3,420

1,115

Others

5,098

3,783

6,585

1,487

1,315

4,737

3,421

35,312983

38,706

3,394

34,32939,964

5,635

Total

13