Financial Results
for the Fiscal Year Ended March 31, 2023
- Supplementary Information -Contents
I. Overview of Financial Results for the Fiscal Year Ended March 31, 2023
1. Status of Profit/Loss ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 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) ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 8–9
II. Status of Loans
1. Risk-monitored Loans and Loans Based on the Financial Reconstruction Act ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10–11
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 13–15
6. Deposits and Loans ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 16–20
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 Fiscal Year Ended March 31, 2023
1. Status of Profit/Loss(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated]
In the fiscal year ended March 31, 2023, ordinary income increased by ¥16,943 million year-on-year to ¥125,291 million
while ordinary profit increased by ¥5,830 million year-on-year to ¥30,774 million. Profit attributable to owners of parent
increased by ¥2,967 million year-on-year to ¥21,150 million.
(Millions of yen)
Fiscal year ended
March 31, 2023 (A)Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)

Ordinary income

1

125,291

16,943

108,348

Gross business profit

282,811

3,730

79,081(Excluding gains/losses on bonds(five accounts total))

3

89,482

10,27879,203

Net interest income

468,407

6,459

61,947

Trust fees

5

395

67

328

Net fees and commissions

6

16,7591,482

15,277

Net other business income (loss)

7(2,750)(4,278)

1,528

Expenses (excluding non-recurring losses)

8

57,7881,334

56,454Credit-related costs

9

2,258

(4,224)

6,482

Write-off of loans

10

19

9

9

Transfer to reserve for individual possible
loan losses

11

4,583

97

4,485

Other credit-related costs

12(2,344)(4,331)

1,986

Gains (losses) on stocks and other securities

13

4,646

3,819

826

Profit on investments based on the equity
method14

3,569(2,970)6,540

Others15(206)(1,637)

1,431

Ordinary profit

16

30,774

5,830

24,943Extraordinary profit (loss)

17

1,093

1,266

(172)

Income before income taxes

18

31,867

7,096

24,771

Total income taxes

19

10,798

4,210

6,588

Income taxes – current

20

7,907

3,041

4,865

Income taxes – deferred

21

2,891

1,169

1,722

Profit (loss)

22

21,0692,886

18,183

Profit (loss) attributable to non-controllinginterests

23

(80)

(80)

－

Profit attributable to owners of parent

24

21,1502,967

18,183(Number of consolidated subsidiaries and equity-method affiliates)(Number of companies)

Consolidated subsidiaries

25

17

2

15

Equity-method affiliates

26

3

－

3

1

(2) Kiraboshi Bank, Ltd.
In the fiscal year ended March 31, 2023, although a loss on sale of foreign bonds was recorded, non-consolidated ordinary profit
increased by ¥10,555 million year on year to ¥36,561 million, as a result of such factors as an increase in interest on loans anddiscounts due in part to promotion of main bank relationship-building and business financing activities, a significant increase in
net interest income including posting of dividends received from affiliates, combined with decreases in credit-related costs andpersonnel expenses. Net income increased by ¥8,942 million year on year to ¥27,426 million.
* An amount equivalent to ¥6,470 million 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 of the fiscal year ended March
31, 2023 as dividends from affiliates.
[Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2023 (A)Difference(A) – (B)Fiscal year ended
March 31, 2022 (B)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(Net business income)general possible loan losses)(Excluding gains/losses on bonds (five accounts total))(Core business income)Net core business income (excluding gains ([losses]) on cancellation of investment
trusts)Transfer to reserve for general possible loan losses(1)
Net business income(Gains/losses on bonds (five accounts total)
Non-recurring profit (loss)
Loss from write-off of non-performing loans(2)
Write-off of loans
Transfer to reserve for individual possible loan losses
Loss on sale of receivables
Provision for contingent loss
Credit guarantee association responsibility-sharing system charge
Other losses from write-off of non-performing loans
Reversal of allowance for loan losses(3)
Recoveries of written-off claim
Gains (losses) on stocks and other securities
Gain on sale of stocks and other securities
Loss on sale of stocks and other securities
Loss on devaluation of stocks and other securities
Other non-recurring profit (loss)
Ordinary profit
Extraordinary profit (loss)
Income before income taxes
Total income taxes
Income taxes – current
Income taxes – deferred
Net income

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

110,764
85,75390,763
88,23485,917
69,946395
12,183
5,708(2,480)
4,845
4,487
204
(7,171)50,44822,333
23,8484,266

17,008
7,199
12,086
14,56812,456
7,771
67
1,210
5,518
(7,368)
(369)
980
(15)
(8,333)
(957)
(913)
90
(134)

93,75578,55478,67673,66573,461
62,174328
10,972
189
4,888
5,215
3,506
220
1,161
51,40623,24723,7574,401

1935,304

8,156

27,14720

40,314

13,04427,27021

40,392

13,07427,318

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

(2,562)37,867(5,009)(1,306)
4,617
－
4,238
－
126
240
12
－
74
4,811
5,667
855
－
(1,575)36,561
1,569
38,13010,704
7,037
3,666
27,426(4,202)
12,359(4,887)(1,804)
(117)
－
(163)
0
162
(118)
2
－
29
390
(1,470)(1,574)(286)(2,341)
10,555
1,731
12,286
3,344
2,917
426
8,942

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

47

2,054

(4,319)6,373(1)＋(2)－(3)2

[Consolidated](Millions of yen)

Ordinary income
Ordinary profit
Profit attributable to owners of parent

48
49
50

3

109,618
34,51225,06810,3524,023
2,417

99,26630,48822,651

2. Business Income
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2023 (A)Net business income (before provision for generalreserve for possible loan losses)

35,304Per employee (thousands of yen)
Net business income
Per employee (thousands of yen)
Net core business income
Per employee (thousands of yen)

Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)8,156

27,147

14,6493,977

10,671

37,867

12,35925,50815,712

5,685

10,02640,314

13,04427,27016,727

6,008

10,719(Note) For employees above, the average number of employees during the period under review, including executive
officers but excluding temporary employees, fixed-term employees, and secondees, has been used.

3. Margin
Kiraboshi Bank, Ltd. [Non-consolidated]<Total>(%)
Fiscal year ended
March 31, 2023 (A)Yields on interest-earning assets

(C)

1.26

Loans and bills discounted

(c)

0.12

1.14

1.26

0.05

1.21

2.04

0.54

1.50

(D)

0.86

(0.00)

0.87

(d)

0.01

0.00

0.01

0.26

0.22

0.03

Securities
Cost of funding
Deposits, etc.

Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)

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

1.25

0.05

1.20

Net interest margin(C)－(D)

0.39

0.12

0.27

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

<Domestic Operations>(%)
Fiscal year ended
March 31, 2023 (A)Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)Yields on interest-earning assets

(C)

1.17

0.07

1.10

Loans and bills discounted

(c)

1.22

0.03

1.19

Securities
Cost of funding
Deposits, etc.

2.04

0.44

1.60

(D)

0.83

(0.04)

0.87

(d)

0.01

(0.00)

0.01

0.12

0.11

0.00

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

1.21

0.03

1.18

Net interest margin(C)－(D)

0.34

0.11

0.23

(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](%)
Fiscal year ended
March 31, 2023 (A)On basis of profit attributable to owners of parent(Note)ROE [Consolidated] =Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)

6.54

0.77

5.77

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

× 100

Kiraboshi Bank, Ltd. [Non-consolidated](%)
Fiscal year ended
March 31, 2023 (A)Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

11.33

2.32

9.00

On a basis of net business income

12.15

3.69

8.46

On a basis of net core business income

12.94

3.89

9.04

On the basis of net income

8.80

2.67

6.13

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

× 100

Kiraboshi Bank, Ltd. [Non-consolidated] (exclusive of ¥6.4 billion in dividends received fromaffiliates)(%)
Fiscal year ended
March 31, 2023 (A)Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

9.35

0.34

9.00

On a basis of net business income

10.18

1.72

8.46

On a basis of net core business income

10.97

1.93

9.04

On the basis of net income

6.79

0.66

6.13

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

5

× 100

Kiraboshi Bank, Ltd. [Consolidated](%)
Fiscal year ended
March 31, 2023 (A)Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

8.98

1.34

7.63

On a basis of net business income

9.82

2.69

7.12

On a basis of net core business income

10.52

2.84

7.67

On the basis of profit attributable to owners ofparent

7.71

0.49

7.22

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

× 100

5. OHR
Kiraboshi Bank, Ltd. [Non-consolidated](%)
Fiscal year ended
March 31, 2023 (A)Difference(A) – (B)Fiscal year ended
March 31, 2022 (B)On a basis of gross core business profit

55.58(9.75)

65.33

On a basis of gross business profit

58.83(6.61)

65.44(Note)OHR=

Expenses
Gross business profit

× 100

Kiraboshi Bank, Ltd. [Non-consolidated] (exclusive of ¥6.4 billion in dividends received fromaffiliates)(%)
Fiscal year ended
March 31, 2023 (A)Difference(A) – (B)Fiscal year ended
March 31, 2022 (B)On a basis of gross core business profit

59.84(5.48)

65.33

On a basis of gross business profit

63.63(1.80)

65.44(Note)OHR=

Expenses
Gross business profit

× 100

6

6. Gain/Loss on Securities
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2023 (A)Fiscal year ended
March 31, 2022 (B)Difference(A) – (B)

Gains (losses) on bonds(5,009)(4,887)(122)

Gain on sale of bonds

5,434

4,821

613

105

6

98

10,372

9,537

834

－

－

－

Gain on redemption of bond
Loss on sale of bonds
Loss on redemption of bond

177

177

－

4,811

390

4,421

Gain on sale of equity securities

5,667(1,470)7,138

Loss on sale of equity securities

855(1,574)2,430

Loss on devaluation of equity securities

－

(286)

286

Loss on devaluation of bonds
Gain (loss) on stocks

7

7. Capital Ratio (Domestic Standards)(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen, %)March 31,2023 (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, etc.
(6) Total necessary capital(5) × 4%

Difference(A) – (B)

March 31,2022 (B)

8.15(0.25)

8.41

339,056

14,433324,623

22,671(2,909)25,580316,384

17,342

299,042

326,640

17,166309,473

8,809(2,645)

11,455－－－

3,879,700

324,6073,555,093

155,188

12,984142,203(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)March 31,2023 (A)(1) Capital ratio (%)

March 31,2022 (B)

8.23

0.02

8.21

(2) Basic items in core capital

330,096

21,001

309,095(3) Adjustments in core capital

13,575(6,079)19,655316,52127,080289,440

321,665

23,597

298,068

8,441(2,606)

11,048－－－3,841,948

318,282

3,523,665

153,677

12,731140,946(4) Capital(4)/(5)Difference(A) – (B)(2)－(3)

Directly issued qualifying common stock or mandatory convertible preferred stockplus related capital surplus and retained earnings
Total provisions included in basic items in core capital
Eligible capital instruments subject to transitional arrangements included in basic
items in core capital(5) Risk-weighted assets, etc.
(6) Total necessary capital(5) × 4%8

(3) Kiraboshi Bank, Ltd. [Consolidated](Millions of yen, %)March 31,2023 (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, etc.
(6) Total necessary capital(5) × 4%

Difference(A) – (B)

March 31,2022 (B)

8.41(0.09)

8.50

342,466

18,438324,027

19,279(4,623)23,903

323,186

23,062300,124

329,879

21,239308,639

8,553(2,639)

11,193－－－3,842,321

313,892

3,528,428

153,692

12,555

141,137(4) UI Bank Co., Ltd.
(Millions of yen, %)March 31,2023 (A)March 31,2022 (B)

6.88

Difference(A) – (B)
(8.81)(2) Basic items in core capital

6,591

2,555

4,036

(3) Adjustments in core capital

2,135

872

1,262

4,456

1,682

2,773

6,483

2,475

4,007

108

79

28

－

－

－

64,69147,02817,662

2,587

1,881

706

(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, etc.
(6) Total necessary capital(Note)(5) × 4%

15.70

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.
* A portion of retirement benefit trust assets (¥14.5 billion) was returned to Kiraboshi Bank, Ltd. in the fiscal year
ended March 2023, in order to bring the net defined benefit assets of the bank to an appropriate level. This has
resulted in a decrease in “Adjustments in core capital” and an increase in “Capital” of Tokyo Kiraboshi Financial
Group. Inc. (consolidated) and Kiraboshi Bank, Ltd. (non-consolidated and consolidated).

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)March 31, 2023
(A)

Difference(A) – (B)

March 31, 2022
(B)

Bankrupt and quasi-bankrupt assets

22,8693,006

19,863

Doubtful assets

87,396(17,729)

105,125

Substandard assets

7,603

(867)

8,471

23

(187)

210

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

7,580

(680)

8,261

117,870(15,590)

133,460

Normal assets

4,661,353

369,065

4,292,288

Total credit balance

4,779,223

353,474

4,425,748

Subtotal(Ratio to total credit balance)(%)
March 31, 2023
(A)

Difference(A) – (B)

March 31, 2022
(B)

Bankrupt and quasi-bankrupt assets

0.47

0.02

0.44

Doubtful assets

1.82(0.54)

2.37

Substandard assets

0.15(0.03)

0.19

Past-due loans (3 months or more)

0.00(0.00)

0.00

Restructured loans

0.15(0.02)

0.18

Ratio to total credit balance

2.46(0.54)

3.01[After partial direct write-offs](Millions of yen)March 31, 2023
(A)

Difference(A) – (B)

March 31, 2022
(B)

Bankrupt and quasi-bankrupt assets

9,577

3,759

5,817

Doubtful assets

87,396(17,729)

105,125

Substandard assets

7,603

(867)

8,471

23

(187)

210

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

7,580

(680)

8,261

104,578(14,836)

119,414

Normal assets

4,661,353

369,065

4,292,288

Total credit balance

4,765,931

354,228

4,411,703

Subtotal(Ratio to total credit balance)(%)
March 31, 2023
(A)

Difference(A) – (B)

March 31, 2022
(B)

Bankrupt and quasi-bankrupt assets

0.20

0.06

0.13

Doubtful assets

1.83(0.54)

2.38

Substandard assets

0.15(0.03)

0.19

Past-due loans (3 months or more)

0.00(0.00)

0.00

Restructured loans

0.15(0.02)

0.18

Ratio to total credit balance

2.19(0.51)

2.70

10

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

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

Reserve for possible loan losses

Difference(A) – (B)

March 31, 2022
(B)

91,727(13,671)

105,398

21,145(2,478)23,623Bankrupt and quasi-bankrupt assets

13,637(725)

14,362

Doubtful assets

6,916(1,564)

8,480

Substandard loans

592

(188)

780

Collateral guarantees, etc.

70,581(11,192)

81,774Bankrupt and quasi-bankrupt assets

9,232

3,731

5,500

Doubtful assets

60,010(14,093)

74,103

Substandard loans

1,338

(831)

2,170

117,870(15,590)

133,460

77.82(1.15)

78.97

Problem assets(D)

Coverage ratio(C)/(D)

3. Status of Reserve for Possible Loan Losses
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2023
(A)
Reserve for possible loan losses

Difference(A) – (B)

March 31, 2022
(B)

28,978(4,853)

33,831

Provision of general reserve for possible loan
losses8,316(2,563)

10,879Provision for individual possible loan losses

20,662(2,290)22,95211

4. Status of Problem Assets Subject to Disclosure
Kiraboshi Bank, Ltd. [Non-consolidated][Fiscal year ended March 31, 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

0.5

─
(0)

─
(4.4)

Collateralguarantees,etc.

Reserve

Coverage ratio

9.2

13.6

100.0%

Bankrupt borrowers
5.6
＜1.1＞

5.0

Bankrupt and quasi-bankrupt

Virtually bankrupt
borrowers
17.2
＜8.4＞

22.8
12.0

5.1

─

─

(0.2)

(8.7)

＜9.5＞

Borrowers withbankruptcy concerns
87.3<100.0%>

Doubtful assets
50.5

16.4

20.4
(6.9)

87.3

60.0

6.9

76.5%

1.3

0.5

25.3%

70.5

21.1

77.8%

Past-due loans(3 months or

Substandard
loans
Borrowers
requiring
cautionSubstandard
borrowers

809.5

8.8

more)

0
Restructured
loans

7.5
1.2

7.6

Subtotal
117.8＜104.5＞

Borrowers
requiring
caution,excludingclaims to
substandard
borrowers

Total＜75.0%＞

Normal assets
4,661.3

800.6

255.0

Normal borrowers
3,859.3

3,859.3

545.6

Total

Total

4,779.2＜4,765.9＞

4,183.3

575.3

20.4

─

Ratio to total debts

87.5%

12.0%

0.4%

─

4,779.2＜4,765.9＞(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, Ltd. did not take partial direct write-offs. Figures assuming the bank had taken partial direct
write-offs are provided in angled brackets.
4. Partial direct write-off means that, regarding debts with collateral/guarantees that are judged uncollectible orvalueless, the Classification IV amount is decreased from the debt amount directly as a loan loss write-off.

12

5. Loan Breakdown by Industrial Sector
Kiraboshi Bank, Ltd. [Non-consolidated](i) Loan breakdown by industrial sector(Millions of yen)
Balance at March 31,
2023 (A)All branches
Manufacturing
Agriculture, forestry
Fishery
Mining, quarrying of stone and gravel

Balance at March 31,
2022 (B)

Difference(A) – (B)4,735,398

365,615

4,369,783

388,286

40,754

347,532

1,285

143

1,142

314

200

114

1,773

288

1,485

Construction

225,686(5,170)230,856

Electricity, gas and heat supplies, andwaterworks

21,296(2,182)

23,478Communication service

133,563

11,791

121,772

Transportation, postal activities

76,847(7,364)

84,211

Commerce

557,232

12,047545,185

Banks and other financial institutions

361,850

88,542

273,308

1,392,496

169,862

1,222,634(Real estate brokerage)

555,423

94,418461,005(Real estate leasing)

837,072

75,443

761,629

Goods rental and leasing

112,114

6,932

105,182

Scientific research, professional, and technicalservices

94,57811,80982,769Real estate

Accommodations

16,222(2,357)

18,579

Restaurant businesses

59,141

2,510

56,631

Living-related and personal services,
amusement services

86,561

11,67574,886

Education, learning support

43,266

7,417

35,849

Medical healthcare and welfare

201,013

28,143

172,870

Other services

121,641(9,502)

131,143

Local governments

88,045(15,332)

103,377

Other

752,180

15,410736,770(Notes) 1. Special international financial transaction account is included in “Other,” and the same applies for (ii) below.
2. “Real estate brokerage” consists of real estate services by businesses with a license for real estate
brokerage, while “Real estate leasing” consists of leasing by personal businesses mainly engaged inapartment management. The same applies for (ii) below.

13

(ii) Loan breakdown by industrial sector (ratio)(%)
Balance at March 31,
2023 (A)Balance at March 31,
2022 (B)

Difference(A) – (B)

100.00%－100.00%

Manufacturing

8.19%

0.24%

7.95%

Agriculture, forestry

0.02%

0.00%

0.02%

Fishery

0.00%

0.00%

0.00%

Mining, quarrying of stone and gravel

0.03%

0.00%

0.03%

Construction

4.76%(0.51%)

5.28%

Electricity, gas and heat supplies, andwaterworks

0.44%(0.08%)

0.53%

Communication service

2.82%

0.03%

2.78%

Transportation, postal activities

1.62%(0.30%)

1.92%

Commerce

11.76%(0.70%)

12.47%

Banks and other financial institutions

7.64%

1.38%

6.25%

Real estate

29.40%

1.42%

27.97%All branches(Real estate brokerage)

11.72%

1.17%

10.54%(Real estate leasing)

17.67%

0.24%

17.42%

Goods rental and leasing

2.36%(0.03%)

2.40%

Scientific research, professional, and technicalservices

1.99%

0.10%

1.89%

Accommodations

0.34%(0.08%)

0.42%

Restaurant businesses

1.24%(0.04%)

1.29%

Living-related and personal services,
amusement services

1.82%

0.11%

1.71%

Education, learning support

0.91%

0.09%

0.82%

Medical healthcare and welfare

4.24%

0.28%

3.95%

Other services

2.56%(0.43%)

3.00%

Local governments

1.85%(0.50%)

2.36%

Other

15.88%(0.97%)

16.86%

14

(iii) Risk-monitored loans by industrial sector(Millions of yen)
Balance at March 31,
2023 (A)All branches

Balance at March 31,
2022 (B)

Difference(A) – (B)

117,870(15,590)

133,460

18,060

1,272

16,788Agriculture, forestry

－

－

－

Fishery－－－

Mining, quarrying of stone and gravel

－

－

－

8,623

(490)

9,113

89

89

－

5,761

1,029

4,731

Manufacturing

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

3,808

807

3,000

Commerce

36,880(1,244)

38,124

Banks and other financial institutions

258

109

148

9,943

(13,386)

23,329(Real estate brokerage)

1,441(11,846)

13,287(Real estate leasing)

8,501(1,539)10,041

Goods rental and leasing

579

(808)

1,387

Scientific research, professional, and technicalservices

6,010

(749)

6,759

Real estate

Accommodations

1,807

(271)

2,079

Restaurant businesses

7,297

(634)

7,932

Living-related and personal services,
amusement services

3,779

978

2,800

Education, learning support

1,492

(638)

2,131

Medical healthcare and welfare

2,497

209

2,287

Other services

4,485(1,011)

5,497

－

－

－

6,497

(851)

7,348

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

15

6. Deposits and Loans(i) Status of loans
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)March 31, 2023
(A)
Loans (balance)(Excluding offshore accounts)
Loans to small and medium-sized enterprises

March 31, 2022
(B)

4,735,398

365,615

4,369,783(C)

4,735,398

365,615

4,369,783(D)

4,024,339

336,2213,688,118

3,323,224

335,0612,988,163

701,115

1,160

699,955

84.98

0.58

84.40

4,515,696

398,972

4,116,724

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

Difference(A) – (B)

(D)/(C)

Loans (average balance)(ii) Consumer loan balance
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2023
(A)
Consumer loan balance

Difference(A) – (B)

March 31, 2022
(B)

701,115

1,160

699,955

Housing-related loans

631,708(3,563)

635,271

Other loans

69,407

4,723

64,68416

(iii) Status of deposits(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2023
(A)

Difference(A) – (B)

March 31, 2022
(B)

5,357,746

300,514

5,057,232

5,348,246

302,6445,045,602

Personal deposits

3,021,053(19,188)3,040,241

Corporate deposits

1,996,614

121,286

1,875,327

330,579

200,545130,033

9,500(2,130)

11,6305,118,425

1,176

5,117,248

5,108,264

3,690

5,104,574

10,160(2,514)

12,674

Deposits (year-end balance)
Deposits

Other deposits
Negotiable certificates of deposit
Deposit (average balance)
Deposits
Negotiable certificates of deposit(2) UI Bank Co., Ltd.
(Millions of yen)March 31, 2023
(A)
Deposits (year-end balance)
Deposits
Personal deposits
Deposit (average balance)
Deposits

Difference(A) – (B)

March 31, 2022
(B)

335,860

199,639

136,221335,860

199,639

136,221335,860

199,639

136,221215,365

204,873

10,492

215,365

204,873

10,492(3) Kiraboshi Bank, Ltd. [Non-consolidated] and UI Bank Co., Ltd. combined(Millions of yen)March 31, 2023
(A)

Difference(A) – (B)

March 31, 2022
(B)

5,693,607

500,153

5,193,453

5,684,107

502,283

5,181,823

Personal deposits

3,356,913

180,450

3,176,462

Corporate deposits

1,996,614

121,286

1,875,327

330,579

200,545130,033

Deposits (year-end balance)
Deposits

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

17

9,500

(2,130)

11,6305,333,791

206,049

5,127,741

5,323,630

208,563

5,115,066

10,160(2,514)

12,674

(iv) Deposits and loan balances by region(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2023
(A)
Deposits

Difference(A) – (B)

March 31, 2022
(B)

5,348,246

302,6445,045,602

Tokyo Metropolis

4,181,506

298,0113,883,494

Kanagawa Prefecture

1,082,178

3,334

1,078,843

84,562

1,298

83,263

4,735,398

365,615

4,369,783

Others
Loans
Tokyo Metropolis

4,101,030

363,9133,737,117

Kanagawa Prefecture

573,686(6,320)580,007

Others60,681

8,022

52,659(2) UI Bank Co., Ltd.
(Millions of yen)March 31, 2023
(A)
Deposits

Difference(A) – (B)

March 31, 2022
(B)

335,860

199,639

136,221155,056

85,267

69,788Kanagawa Prefecture

63,90740,04723,859Others*116,896

74,32442,572

Tokyo Metropolis

1－

Tokyo Metropolis

0－

Kanagawa Prefecture－－

Others

1

－

Loans

(Note) UI Bank Co., Ltd. started handling card loans in March 2023. Loans to Kiraboshi Bank, Ltd. are not included in theabove table.

* Distribution in other regions(Millions of yen)March 31, 2023
(A)

Total

Difference(A) – (B)

March 31, 2022
(B)

116,896

74,32442,572

Kanto

50,16230,13620,026

Kansai21,968

14,588

7,379

Tokai

14,575

9,401

5,173

Others30,19020,1979,992

18

(3) Kiraboshi Bank, Ltd. [Non-consolidated] and UI Bank Co., Ltd. combined(Millions of yen)March 31, 2023
(A)
Deposits

March 31, 2022
(B)

Difference(A) – (B)5,684,107

502,284

5,181,823

Tokyo Metropolis

4,336,562

383,280

3,953,282

Kanagawa Prefecture

1,146,085

43,383

1,102,702

201,459

75,624

125,835

Others
Loans
Tokyo Metropolis

4,735,400

4,369,783

4,101,030

3,737,117

Kanagawa Prefecture

573,686

580,007

Others60,68352,659(Note) UI Bank Co., Ltd. started handling card loans in March 2023. Loans to Kiraboshi Bank, Ltd. are not included in
the above table.

(v) Assets under management(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2023
(A)
Assets under management

March 31, 2022
(B)

Difference(A) – (B)

400,523(11,967)

412,491

Investment trust

136,780(9,334)

146,115

Life insurance

237,460

3,621

233,839

Public bonds

26,282(6,254)32,536(2) Kiraboshi Life Design Securities Co., Ltd.
(Millions of yen)March 31, 2023
(A)
Assets under management

202,827

Investment trust
Public bonds
OthersMarch 31, 2022
(B)

Difference(A) – (B)

173,132

188,564

29,69524,457

164,107

137

(55)

192

14,125

5,293

8,832

(3) Kiraboshi Bank, Ltd. [Non-consolidated] and Kiraboshi Life Design Securities Co., Ltd.
combined(Millions of yen)March 31, 2023
(A)
Assets under management603,351

Difference(A) – (B)

March 31, 2022
(B)
585,623

Investment trust

325,345

17,727
15,123

Life insurance

237,460

3,621

233,839

Public bonds

26,419(6,309)32,72814,125

5,293

8,832

Others19

310,222

(vi) Status of branches and employees
Kiraboshi Bank, Ltd. [Non-consolidated](Branches, persons)March 31, 2023
(A)
Domestic head office and branch offices (including
representative offices)

March 31, 2022
(B)

Difference(A) – (B)

166

1

165

Tokyo Metropolis

124

－

124

Kanagawa Prefecture

38

1

37

Others

4

－

4

2,323

(149)

2,472

Number of executives and employees
Number of executives

9

(3)

12

Number of employees

2,314

(146)

2,460

(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)March 31, 2023
(A)
Construction costcredit trust
Real estate
management trust

Other

Total

March 31, 2022
(B)

Difference(A) – (B)

Value of transactions
handled34,345

5,301

29,043Fiscal year-end balance

20,932(4,521)25,453

Value of transactions
handled36,936

7,193

29,742

Fiscal year-end balance

89,71635,757

53,958

Value of transactions
handled

23

(0)

23

Fiscal year-end balance

2,820

(31)

2,851

Value of transactions
handled71,305

12,49558,810Fiscal year-end balance

113,469

31,20582,26320

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

Mark-to-market method

Marketable bonds held to maturity

Amortized cost method

Available-for-sale securities

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

Investments in subsidiaries and affiliates

Cost method

2. Gain/Loss on Valuation(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen)March 31, 2022
(B)

March 31, 2023
(A)

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

Valuation
loss

Marketable bonds held to maturity(1,260)

(577)

－

1,260

(682)

－

682

Other securities(10,660)(14,458)

18,982

29,643

3,797

23,916

20,118Stocks

10,721424

11,903

1,181

10,297

11,385

1,088

Bonds

(8,720)(5,864)

468

9,189

(2,856)

2,862

5,718

Others(12,661)(9,018)6,610

19,272(3,643)

9,668

13,311(11,921)(15,036)

18,98230,903

3,115

23,91620,801

Total(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2022
(B)

March 31, 2023
(A)

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

Valuation
loss

Marketable bonds held to maturity(1,249)

(573)

－

1,249

(675)

－

675

Other securities(9,236)(16,388)

20,04729,284

7,151

26,973

19,822

Stocks

10,192438

11,527

1,334

9,754

10,951

1,196

Bonds

(8,289)(7,651)

776

9,066

(638)

4,986

5,624

Others(11,140)(9,175)

7,743

18,883(1,964)

11,036

13,001(10,485)(16,961)

20,04730,533

6,475

26,973

20,497

Total

21