Financial Results
for the Fiscal Year Ended March 31, 2021
- Supplementary Information -Contents
I. Overview of Financial Results for the Fiscal Year Ended March 31, 2021
1. Status of Profit/Loss ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 1-2
2. Business Income ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

3

3. Margin ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

3

4. ROE ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

4

5. OHR ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

4

6. Gain/Loss on Securities ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

5

7. Capital Ratio (Domestic Standards) ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

6

II. Status of Loans
1. Risk-monitored Loans ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

7

2. Loans Based on the Financial Reconstruction Act ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

8

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

8

4. Status of Reserve for Possible Loan Losses ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

8

5. Status of Problem Assets Subject to Disclosure ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ

9

6. Loan Breakdown by Industrial Sector ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 10-12
7. Deposits and Loans ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 13-14
III. Valuation Gain/Loss on Securities
1. Valuation Standards ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 15
2. Gain/Loss on Valuation ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 15

I. Overview of Financial Results for the Fiscal Year Ended March 31, 2021
1. Status of Profit/Loss(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated]
In the fiscal year ended March 31, 2021, consolidated ordinary income decreased by ¥679 million year-on-year to¥93,352 million while consolidated ordinary profit increased by ¥5,877 million year-on-year to ¥8,224 million. Profit
attributable to owners of the parent decreased by ¥3,496 million year-on-year to ¥4,161 million due to increase in tax
expense, etc.
(Millions of yen)
Fiscal year ended
March 31, 2021 (A)Fiscal year ended

Difference(A) – (B)

March 31, 2020 (B)Ordinary income

1

93,352(679)

94,031Gross business profit

2

72,197(1,545)73,742(Excluding gains/losses on bonds(five accounts total))

3

70,9532,141

68,812

Net interest income

457,4992,891

54,608Trust fees

5

150

(6)

156

Net fees and commissions

6

11,666(2,169)13,835

Other business income (loss)

7

2,881

(2,260)5,141

Expenses (excluding non-recurring losses)

8

55,111

884

54,227

Credit-related costs

9

8,462

(3,403)

11,865

Write-off of loans

10

27

(139)

166

Transfer to reserve for individual possible
loan losses

11

7,704

417

7,287

Other credit-related costs

12

731

(3,680)

4,411

Gains (losses) on stocks and other securities

13

4,201

6,044

(1,843)

Profit on investments based on the equity
method

14

24

7

17

Others15(4,625)(1,149)(3,476)

Ordinary profit

16

8,224

5,877

2,347

Extraordinary profit (loss)

17

(124)

(6,033)

5,909

Income before income taxes

18

8,099

(157)

8,256

Total income taxes

19

3,938

3,341

597

Income taxes – current

20

1,551

(2,310)3,861

Income taxes – deferred

21

2,387

5,651

(3,264)

Profit (loss)

22

4,161

(3,498)

7,659

Profit (loss) attributable to non-controllinginterests

23

－

(2)

2

Profit attributable to owners of parent

24

4,161

(3,496)

7,657(Number of consolidated subsidiaries and equity-method affiliates)(Number of companies)

Consolidated subsidiaries

25

16

1

15

Equity-method affiliates

26

2

1

1

1

(2) Kiraboshi Bank,Ltd.
Ordinary profit increased by ¥4,077 million year-on-year to ¥8,833 million, due largely to an increase in interest on loans
and discounts reflecting growth notably in COVID-19-related loans, an increase in gains on stocks and other securities,
and a decrease in credit-related costs. However, given the absence of gain on transfer of the Shinjuku Office that wasposted as extraordinary income in the previous fiscal year, as well as increase in income taxes, net income decreased by¥3,835 million year-on-year to ¥4,837 million.
[Non-consolidated](Millions of yen)
Fiscal year ending
March 31, 2021 (A)Ordinary income
Gross business profit(Excluding gains/losses on bonds (five accounts total))(Gross core business profit)
Gross domestic business profit(Excluding gains/losses on bonds (five accounts total))
Net interest income
Trust fees
Net fees and commissions
Other business income (loss)
Gross international business profit(Excluding gains/losses on bonds (five accounts total))
Net interest income
Net fees and commissions
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 disposal of receivables
Provision for contingent los
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
Credit-related costs(1)＋(2)－(3)Difference(A) – (B)Fiscal year ended
March 31, 2020 (B)

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

82,13470,713
69,22167,001
65,76756,691
150
8,487
1,671
3,711
3,454
2,087
198
1,425
52,44725,06522,9314,450(1,603)(3,301)
1,430(3,239)
1,202
2,549
(6)
(2,291)(3,492)
(62)
229
(253)
(8)
199
207
(1,062)
1,226
4383,73774,014
67,791
70,24064,56554,142
156
10,778
5,163
3,773
3,225
2,340
206
1,226
52,24026,127
21,7054,407

19

18,265(3,509)21,77420

16,774

1,224

15,55021

16,774

1,234

15,540

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

293
17,972
1,491(9,138)
8,136
20
7,626
－
134
351
3
－
51
4,398
4,521
122
－
(5,451)
8,833
(119)
8,713
3,876
1,069
2,806
4,837

(3,572)64(4,732)
4,014
590
(139)
689
2
131
(74)
(20)
－
(32)
5,418
3,096
(1,261)(1,062)(782)
4,077(4,630)(555)
3,281(2,041)
5,320(3,835)

3,865
17,908
6,223(13,152)
7,546
159
6,937
(2)
3
425
23
－
83
(1,020)
1,425
1,383
1,062
(4,669)
4,756
4,511
9,268
595
3,110
(2,514)
8,672

47

8,430

(2,981)

11,41148
49
50

82,884
9,709
5,379(7,710)
3,938(4,277)[Consolidated](¥ million)

Ordinary income
Ordinary profit
Profit attributable to owners of parent

290,5945,771
9,656

2. Business Income
Kiraboshi Bank,Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2021 (A)Net business income (before transfer to reserve forgeneral 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
March 31, 2020 (B)Difference(A) – (B)

18,265(3,509)21,774

6,717

(923)

7,640

17,97264

17,908

6,609

326

6,283

16,774

1,224

15,550

6,169

713

5,456

(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, 2021(A)Fiscal year ended
March 31, 2020 (B)Difference(A) – (B)Yields on interest-earning assets

(C)

1.11

(0.03)

1.14

Loans and bills discounted

(c)

1.18

(0.01)

1.19

1.33

0.03

1.30

(D)

0.99

(0.07)

1.06

(d)

0.01

(0.01)

0.02

0.09(0.13)

0.22

Securities
Cost of funding
Deposits, etc.
External
Difference of interest rates between
deposits and loans(c)－(d)

1.17

－

1.17

Net interest margin(C)－(D)

0.12

0.04

0.08

(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, 2021 (A)Fiscal year ended
March 31, 2020 (B)Difference(A) – (B)Yields on interest-earning assets

(C)

1.10

0.01

1.09

Loans and bills discounted

(c)

1.18

(0.01)

1.19

Securities
Cost of funding
Deposits, etc.

1.33

0.18

1.15

(D)

0.99

(0.04)

1.03

(d)

0.01

－

0.01

0.00

0.00

(0.00)

External liabilities
Difference of interest rates between
deposits and loans(c)－(d)1.17(0.01)

1.18

Net interest margin(C)－(D)

0.11

0.05

0.06

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

34. ROE
Tokyo Kiraboshi Financial Group, Inc. [Consolidated](%)
Fiscal year ended
March 31, 2021 (A)On basis of profit attributable to owners of parent(Note)ROE [Consolidated] ＝Fiscal year ended
March 31, 2020 (B)Difference(A) – (B)

1.37

(1.23)

2.60

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, 2021 (A)Fiscal year ended
March 31, 2020 (B)Difference(A) – (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

6.22(1.30)

7.52

On a basis of net business income

6.12(0.06)

6.18

On a basis of net core business income

5.71

0.34

5.37

On the basis of profit attributable to owners ofparent1.64(1.35)

2.99(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. [Consolidated](%)
Fiscal year ended
March 31, 2021 (A)Fiscal year ended
March 31, 2020 (B)Difference(A) – (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

6.35(1.35)

7.70

On a basis of net business income

6.27(0.02)

6.29

On a basis of net core business income

5.85

0.27

5.58

On the basis of profit attributable to owners ofparent1.79(1.50)

3.29(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, 2021 (A)Difference(A) – (B)Fiscal year ended
March 31, 2020 (B)On a basis of gross core business profit

75.76(1.30)

77.06

On a basis of gross business profit

74.16

3.58

70.58

(Note)OHR＝

Expenses
Gross business profit

× 100

4

6. Gain/Loss on Securities
Kiraboshi Bank,Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2021 (A)Fiscal year ended
March 31, 2020 (B)Difference(A) – (B)

Gains (losses) on bonds

1,491(4,732)

6,223

Gain on sale of bond

2,180

(4,835)

7,015

Gain on redemption of bond

－

－

－

Loss on sale of bond

110

(610)

720

Loss on redemption of bond

－

－

－

Amortization on bond

578

507

71

Gain (loss) on securities from application of markto-market accounting (securities)

4,398

5,418

(1,020)Gain on sale of stocks and other securities

4,521

3,096

1,425

Loss on sale of stocks and other securities

122(1,261)

1,383

Amortization of stock and other securities－(1,062)

1,062

5

7. Capital Ratio (Domestic Standards)(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen, %)March 31,2021 (A)(1) Capital ratio (%)(4) / (5)(2) Basic items in core capital(3) Adjustments in core capital

Difference(A) – (B)

March 31,2020 (B)

8.74

0.09

8.65

307,085

8,891

298,194

21,8308,847

12,983285,25444285,210

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

293,9122,936

290,976

Total provisions included in basic items in core capital

10,29960

10,239－－－3,261,425(32,981)3,294,406

130,457(1,319)131,776(4) Capital(2)－(3)

Eligible capital instruments subject to transitional arrangements included in basic
items in core capital(5) Risk-weighted assets(6) Total necessary capital(5) × 4%(2) Kiraboshi Bank,Ltd. [Non-consolidated](Millions of yen, %)March 31,2021 (A)(1) Capital ratio (%)

March 31,2020 (B)

8.47

0.12

8.35

(2) Basic items in core capital

291,661

2,372

289,289(3) Adjustments in core capital

16,9891,574

15,415

274,672799

273,873282,250

2,257

279,993

9,442

105

9,337

－

－

－

3,240,251(38,980)

3,279,231

129,610(1,559)131,169(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(6) Total necessary capital(5) × 4%(3) Kiraboshi Bank,Ltd. [Consolidated](Millions of yen, %)March 31,2021 (A)(1) Capital ratio (%)(4)÷(5)(2) Basic items in core capital(3) Adjustments in core capital(4) Capital(2)－(3)

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

Difference(A) – (B)

March 31,2020 (B)

8.65

0.13

8.52

301,502

9,167

292,335

20,893

8,065

12,828

280,609

1,103

279,506

288,532

3,040

285,492

9,620

51

9,569

－

－

－

3,240,547(38,645)3,279,192

129,621(1,546)

131,167(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 isapplied for calculating the amount equivalent to operational risk.

6II. Status of Loans
1. Risk-monitored Loans
Kiraboshi Bank,Ltd. [Non-consolidated][Risk-monitored loans amount](Millions of yen)March 31, 2021
(A)

March 31, 2020
(B)

Difference(A) – (B)Bankrupt loans

8,541

1,039

7,502

Non-accrual loans

97,07722,78974,288

23

(305)

328

6,839

1,138

5,701

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

112,481

24,66087,821

3,938,044

168,230

3,769,814[Loan balance ratio](%)
March 31, 2021
(A)

March 31, 2020
(B)

Difference(A) – (B)Bankrupt loans

0.21

0.02

0.19

Non-accrual loans

2.46

0.49

1.97

Past-due loans (3 months or more)

0.00

－

0.00

Restructured loans

0.17

0.02

0.15

2.85

0.53

2.32

Loan balance ratio(Reference) Risk-monitored Loans after Partial Direct Write-Offs[Risk-monitored loans amount](Millions of yen)March 31, 2021
(A)

March 31, 2020
(B)

Difference(A) – (B)Bankrupt loans

1,745

889

856

Non-accrual loans

90,84624,423

66,423

23

(305)

328

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

6,839

1,138

5,701

Risk-monitored loan amount

99,455

26,14573,3103,925,018

169,715

3,755,303

Loan balances[Loan balance ratio](%)
March 31, 2021
(A)

March 31, 2020
(B)

Difference(A) – (B)Bankrupt loans

0.04

0.02

0.02

Non-accrual loans

2.31

0.55

1.76

Past-due loans (3 months or more)

0.00

－

0.00

Restructured loans

0.17

0.02

0.15

2.53

0.58

1.95

Loan balance ratio
7

2. Loans Based on the Financial Reconstruction Act
Kiraboshi Bank,Ltd. [Non-consolidated](Millions of yen, %)March 31, 2021 (A)March 31, 2020 (B)Difference(A) – (B)Bankrupt and quasi-bankrupt assets

19,523(897)

20,420

Doubtful assets

87,55024,38963,161Substandard loans

6,862

832

6,030

Subtotal(C)

Normal assets
Total credit amount(C)

Ratio of total credit amount (%)(C)/(D)

113,935

24,32389,612

3,898,215

139,559

3,758,656

4,012,151

163,882

3,848,269

2.83

0.51

2.32

(Reference) Loans Based on the Financial Reconstruction Act after Partial Direct Write-Offs(Millions of yen, %)March 31, 2021
(A)

March 31, 2020
(B)

Difference(A) – (B)Bankrupt and quasi-bankrupt assets

5,793

680

5,113

Doubtful assets

87,55024,38963,161Substandard loans

6,862

832

6,030

Subtotal(C)

Normal assets
Total credit amount(D)

Ratio of total credit amount (%)(C)/(D)

100,206

25,901

74,305

3,898,215

139,559

3,758,656

3,998,422

165,461

3,832,961

2.50

0.57

1.93

3. Coverage Status of Loans Based on the Financial Reconstruction Act
Kiraboshi Bank,Ltd. [Non-consolidated](Millions of yen, %)March 31, 2021
(A)
Covered amount(C)

84,476

Reserve for possible loan losses

March 31, 2020
(B)

Difference(A) – (B)
17,40567,071

24,522

2,105

22,417

Bankrupt and quasi-bankrupt assets

14,114(1,441)

15,555

Doubtful assets

9,830

3,393

6,437

Substandard loans

576

152

424

Collateral guarantees, etc.

59,95415,30044,654Bankrupt and quasi-bankrupt assets

5,408

544

4,864

Doubtful assets

52,815

14,41338,402

Substandard loans

1,730

343

1,387

113,935

24,32389,61274.14(0.70)

74.84

Problem assets(D)

Coverage ratio(C)/(D)

4. Status of Reserve for Possible Loan Losses
Kiraboshi Bank,Ltd. [Non-consolidated](Millions of yen)March 31, 2021
(A)
Reserve for possible loan losses

March 31, 2020
(B)

Difference(A) – (B)

33,4002,177

31,223

Provision of general reserve for possible loan
losses

9,241

288

8,953

Provision for individual possible loan losses

24,1581,889

22,2698

5. Status of Problem Assets Subject to Disclosure
Kiraboshi Bank,Ltd. [Non-consolidated][Fiscal year ended March 2021](Billions of yen)Self-assessment

Classification ofborrowers
Bankrupt borrowers
8.5
＜1.7＞

Disclosed debts based on Financial Reconstruction Act

Classification
Not
classified

7.9

Classification Classification Classification
II

III

IV

0.5

─

─

Bankrupt and quasi-

(0.0)

(6.7)

bankrupt

Virtually bankrupt
borrowers
10.9
＜4.0＞

Collateralguarantees,
Reserveetc.

Disclosed debts(credit balance)

19.5
8.5

2.4

─
(0.3)

41.4

21.2

24.9

Disclosed debts(loan balance)
Bankrupt loans
8.5
＜1.7＞

5.4

14.1

＜5.7＞

─
(6.9)

Coverageratio

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

100.0％＜100.0％＞Non-accrual
loans
97.0
＜90.8＞

Borrowers withbankruptcy concerns
87.5

Doubtful assets
87.5

52.8

9.8

71.5%

(9.8)
Past-due loans(3 months or

Substandard
borrowers

Substandard loans
6.8

1.7

0.5

33.6%

more)
0.0
Restructured
loans

Borrowers
requiring
caution
911.6

8.6

0.7

7.8

6.8

Borrowers
requiring
caution,excludingclaims to
substandard
borrowers

903.0

Subtotal

Total

Total

113.9
＜100.2＞74.1%＜70.6%＞

112.4＜99.4＞

Claims to borrowers
requiring caution,
excluding claims tosubstandard
borrowers

[
265.9

637.0

]

904.7

Normal borrowers

Normal assets

2,993.4

2,993.4

Total
4,012.1＜3,998.4＞

3,898.2

3,318.1

669.0

24.9

─

Ratio to total debts

82.7%

16.6%

0.6%

─

Total
4,012.1＜3,998.4＞(Notes) 1. Self-assessment includes loans, repayments for which payment is approved, foreign exchange, provisional
payment pursuant to loans, accrued interests 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.

9

6. Loan Breakdown by Industrial Sector
Kiraboshi Bank,Ltd. [Non-consolidated](i) Loan breakdown by industrial sector(Millions of yen)
Balance at March 31,
2021 (A)All branches
Manufacturing
Agriculture, forestry
Fishery
Mining, quarrying of stone and gravel

Balance at March 31,
2020 (B)

Difference(A) – (B)3,938,044

168,230

3,769,814

346,675

17,185

329,490

1,088

53

1,035

184

(70)

254

1,449

134

1,315

Construction

222,20926,185

196,024

Electricity, gas and heat supplies, andwaterworks

13,2691,417

11,852

Communication service

102,551

19,122

83,429Transportation, postal activities

85,055(4,618)89,673

Commerce

492,386

50,169442,217

Banks and other financial institutions

151,616(32,410)

184,026

1,064,749

46,555

1,018,194(Real estate brokerage)

383,424(32,363)415,787(Real estate leasing)

681,325

78,920602,405

Goods rental and leasing

92,000862

91,138

Scientific research, professional and technicalservices

76,776

12,792

63,984

Accommodations

18,233

2,221

16,012

Restaurant businesses

60,04818,68441,364

Living-related and personal services,
amusement services

63,713

12,40351,310Real estate

Education, learning support

30,804

5,021

25,783

Medical healthcare and welfare

147,758

29,230118,528

Other services

108,832

19,13489,698

Local governments

117,430(24,897)

142,327

Other

741,209(30,931)

772,140(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 inapartment management. The same applies for (ii) below.
3. With respect to loan breakdown by industrial sector, figures as of March 31, 2020 have been modified due tochange in the posting standard following system integration in May 2020.

10

(ii) Loan breakdown by industrial sector (ratio)(%)
Balance at March 31,
2021 (A)All branches

Difference(A) – (B)

Balance at March 31,
2020 (B)

100.00%0.00%

100.00%

Manufacturing

8.80%

0.06%

8.74%

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

5.64%

0.45%

5.19%

Electricity, gas and heat supplies, andwaterworks

0.33%

0.02%

0.31%

Communication service

2.60%

0.39%

2.21%

Transportation, postal activities

2.15%(0.22%)

2.37%

Commerce

12.50%

0.77%

11.73%

Banks and other financial institutions

3.85%(1.03%)

4.88%

Real estate

27.03%

0.03%

27.00%(Real estate brokerage)

9.73%(1.29%)

11.02%(Real estate leasing)

17.30%

1.33%

15.97%

Goods rental and leasing

2.33%(0.08%)

2.41%

Scientific research, professional and technicalservices

1.94%

0.25%

1.69%

Accommodations

0.46%

0.04%

0.42%

Restaurant businesses

1.52%

0.43%

1.09%

Living-related and personal services,
amusement services

1.61%

0.25%

1.36%

Education, learning support

0.78%

0.10%

0.68%

Medical healthcare and welfare

3.75%

0.61%

3.14%

Other services

2.76%

0.39%

2.37%

Local governments

2.98%(0.79%)

3.77%

Other

18.82%(1.66%)

20.48%

11

(iii) Risk-monitored loans by industrial sector(Millions of yen)
Balance at March 31,
2021 (A)All branches

Balance at March 31,
2020 (B)

Difference(A) – (B)112,481

24,66087,821

14,671

3,588

11,083

Agriculture, forestry

2

(51)

53

Fishery－－－

Mining, quarrying of stone and gravel

－

－

－

7,167

1,666

5,501

－

－

－

4,023

68

3,955

Manufacturing

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

3,059

26

3,033

Commerce

35,317

4,278

31,039Banks and other financial institutions

390

(185)

575

12,975

6,015

6,960

(Real estate brokerage)

2,501

1,850

651

(Real estate leasing)

10,474

4,165

6,309

Goods rental and leasing

1,126

(61)

1,187

Scientific research, professional and technicalservices

5,003

2,228

2,775

Accommodations

2,147

847

1,300

Restaurant businesses

6,253

3,666

2,587

Living-related and personal services,
amusement services

4,939

2,421

2,518

Real estate

Education, learning support

850

294

556

Medical healthcare and welfare

1,495

208

1,287

Other services

4,469

1,411

3,058

－

－

－

8,588

(1,758)

10,346

Local governments
Other

12

7. Deposits and Loans
Kiraboshi Bank,Ltd. [Non-consolidated](i) Status of loans(Millions of yen, %)March 31, 2021
(A)
Loans (balance)(Excluding offshore accounts)
Loans to small and medium-sized enterprises

March 31, 2020
(B)

3,938,044

168,230

3,769,814(C)

3,938,044

168,230

3,769,814(D)

3,362,822

204,568

3,158,254

2,632,781

243,504

2,389,277

730,041(38,936)

768,977

85.39

1.62

83.77

3,908,246

211,8703,696,376

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

Difference(A) – (B)

(D)/(C)

Loans (average balance)(Note) Figures as of March 31, 2020 for small and medium-sized enterprise loans and for personal loans have been modified due tochange in the posting standard following system integration in May 2020.

(ii) Consumer loan balance(Millions of yen)March 31, 2021
(A)
Consumer loan balance

Difference(A) – (B)

March 31, 2020
(B)

730,041(38,936)

768,977

Housing-related loans

643,382(14,104)

657,486

Other loans

86,659(24,832)

111,491(Note) Figures as of March 31, 2020 for consumer loan balance have been modified due to change in the posting standard following
system integration in May 2020.

(iii) Status of deposits(Millions of yen)March 31, 2021
(A)
Deposits (year-end balance)
Deposits

Difference(A) – (B)

March 31, 2020
(B)

5,003,378

343,074

4,660,304

4,990,468

340,874

4,649,594

Personal deposits

3,060,135

75,9782,984,157

Corporate deposits

1,751,157

290,298

1,460,859

179,175(25,402)

204,577

12,9102,200

10,7104,940,961

345,176

4,595,785

4,931,189

352,037

4,579,152

9,772(6,861)

16,633

Deposits
Negotiable certificates of deposit
Deposit (average balance)
Deposits
Negotiable certificates of deposit(iv) Deposits and loan balances by region(Millions of yen)March 31, 2021
(A)
Deposits

Difference(A) – (B)

March 31, 2020
(B)

4,990,468

340,874

4,649,594

Tokyo Metropolis

3,847,021

263,179

3,583,842

Kanagawa Prefecture

1,060,659

71,200989,459

82,787

6,494

76,293

3,938,044

168,230

3,769,814

3,329,202

165,279

3,163,923

Kanagawa Prefecture562,399

1,588

560,811

Others46,442

1,362

45,080

Others
Loans
Tokyo Metropolis

13

(v) Assets under management(1) Kiraboshi Bank,Ltd.
(Millions of yen)March 31, 2021
(A)
Assets under management

March 31, 2020
(B)

Difference(A) – (B)418,684(43,962)

462,646

Investment trust

152,594(38,286)

190,880

Life insurance

231,866(12,278)

244,144

Public bonds

34,223

6,602

27,621(2) Kiraboshi Life Design Securities Co., Ltd.
(Millions of yen)March 31, 2021
(A)
Assets under management

March 31, 2020
(B)

Difference(A) – (B)107,993

Investment trust

104,069－

Life insurance
Others3,924(Note) Year-on-year comparisons with March 31, 2020 are not stated since Kiraboshi Life Design Securities Co., Ltd. wasonly established in August 2020.

(vi) Status of branches and employees(Branches, persons)March 31, 2021
(A)
Domestic head office and branch offices (including
representative offices)

March 31, 2020
(B)

Difference(A) – (B)

164

－

164

Tokyo Metropolis

125

1

124

Kanagawa Prefecture

35

(1)

36

Others4－

4

Number of executives and employees

2,598

(173)

2,771

Number of executives

11

(4)

15

Number of employees

2,587

(169)

2,756

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

(vii) Construction in trust(Millions of yen)March 31, 2021
(A)

Difference(A) – (B)

March 31, 2020
(B)

Value of construction in trust contracts

32,214(3,119)35,333

Balance of construction in trust purchased

6,523(3,319)9,842

14

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 with market value

Mark-to-market method (Valuation gains or losses onavailable-for-sale securities are recorded 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, 2020
(B)

March 31, 2021
(A)

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

Valuation
loss

－

0

－

－

0

0

－

17,471

9,758

27,362

9,891

7,713

19,666

11,953

Stocks

10,4895,655

11,360

870

4,834

7,102

2,267

Bonds

2,524

(3,505)

4,324

1,800

6,029

7,094

1,065

Others

4,457

7,607

11,677

7,220(3,150)

5,469

8,620

17,471

9,758

27,362

9,891

7,713

19,666

11,953Marketable bonds held to maturity
Available-for-sale securities

Total(2) Kiraboshi Bank,Ltd. [Non-consolidated](Millions of yen)March 31, 2020
(B)

March 31, 2021
(A)

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

Valuation
loss

－

－

－

－

－

－

－

21,691

7,855

31,537

9,845

13,83625,723

11,887

Stocks10,038

5,286

11,121

1,083

4,752

7,191

2,439

Bonds

5,409

(4,837)

7,162

1,753

10,246

11,245998

Others

6,243

7,405

13,252

7,008(1,162)

7,286

8,449

21,691

7,855

31,537

9,845

13,83625,723

11,887

Marketable bonds held to maturity
Available-for-sale securities

Total

15