Tokyo TY Financial Group, Inc.
(The Yachiyo Bank, Ltd.)
Listed Code: 7173
(URL: http://www.tokyo-tyfg.co.jp)
Listed Stock Exchange: TSE1
November 11, 2014

Consolidated Financial Reportfor the First Half of the Fiscal Year Ending March 31, 2015
<Under Japanese GAAP>
Representative: Akihiro Kakizaki, President
Responsible person for inquiries: Hiroshi Adachi, Executive Officer,
General Manager of Corporate Planning Division
The Yachiyo Bank, Limited.
Telephone: +81-3-3352-2295
Date of submission of quarterly security report: November 20, 2014
Date to start dividend payment: December 2, 2014
Establishment of special transaction account: Not establishedPreparation of supplementary material on financial results: Yes
Holding of financial results presentation meeting: None
(Japanese yen amounts of less than 1 million and the first decimal place have been rounded down.)

1. Consolidated Operating Performance for the First Half of the Fiscal Year Ending March 31, 2015
(From April 1, 2014 to September 30, 2014)(1) Results in consolidated operations
Ordinary
incomeFirst half of the fiscal year ending March 31, 2015(¥ million)(%)

21,048(5.2)(Percentages represent year-on-year changes.)
Ordinary
Net income
profit(%)(%)(¥ million)(¥ million)
5,163

22,222
3.7
5,239
First half of the fiscal year ended March 31, 2014
(Note) Comprehensive income: First half of the fiscal year ending March 31, 2015: ¥4,253 million
First half of the fiscal year ended March 31, 2014:¥837 million

First half of the fiscal year ending March 31, 2015

(1.4)

3,604

4.7

41.4
407.8%(75.1)%

3,440

6.8

Net income
per share (¥)

Diluted net income
per share (¥)

242.68224.78232.21201.40First half of the fiscal year ended March 31, 2014
(Note) For interim diluted net income per share for the fiscal year ended March 31, 2014, while class 2 preferred stock that weredilutive shares were all acquired and canceled on May 21, 2013, an amount has been stated assuming that all dilutive shares wereconverted to common stock at the beginning of the fiscal year in accordance with the Accounting Standard for Earnings Per Share(ASBJ Statement No. 2, June 30, 2010).

(2) Consolidated financial position
Total assets(¥ million)
September 30, 2014

2,259,074

Net assets(¥ million)
104,335

Net assets tototal assets ratio(%)
4.6

2,207,664
100,110
4.5
March 31, 2014
(Reference) Equity: September 30, 2014: ¥104,228 million March 31, 2014: ¥100,009 million(Note) “Equity” consists of minority interests at the end of the period subtracted from net assets, and the “Net assets to total assets
ratio” is calculated by dividing equity by total assets at the end of the period. Note that this “Net assets to total assets ratio” is not the
net assets to total assets ratio required for the Capital Adequacy Ratio Notification.

2. Dividends
Annual dividend per share (¥)
1st quarter2nd quarter3rd quarter

Fiscal year-end

AnnualFiscal year ended March 31, 2014

–

30.00

60.00

–

30.00
40.00

–

Fiscal year ending March 31, 2015

Fiscal year ending March 31, 2015 (Forecast)–––(Note 1) Changes to the dividend forecast most recently announced: None
(Note 2) At the present time we have not made any forecasts on year-end dividends for the fiscal year ending March 31, 2015.
(Note 3) For dividend forecasts for the fiscal year ending March 31, 2015 for the Tokyo TY Financial Group, Inc., please refer to“Full-Year Operating Performance and Dividends Forecasts for the Fiscal Year Ending March 31, 2015” (released November 11,2014).

3. Forecast of Consolidated Operating Performance for the Fiscal Year Ending March 31, 2015
(From April 1, 2014 to March 31, 2015)(Percentages represent year-on-year changes.)
Ordinary income(¥ million)(%)

Ordinary profit(¥ million)(%)

Net income
per share

Net income(¥ million)

39,500
(4.0)
8,300
(0.3)
6,200
Full-year(Note) Changes to the forecast of consolidated operating performance most recently announced: None

(%)

(¥)

(2.6)

417.62* Notes(1) Changes in significant subsidiaries during the current first-half period(Changes in specified subsidiaries resulting in the change in scope of consolidation): None
New subsidiaries: ___ (name of company(ies))
Excluded subsidiaries: ___ (name of company(ies))(2) Changes in accounting policies, changes in accounting estimates, and restatement of prior period
financial statements after error corrections
a.
b.
c.
d.

Changes in accounting policies due to revisions to accounting standards: Yes
Changes in accounting policies due to other reasons: None
Changes in accounting estimates: None
Restatement of prior period financial statements after error corrections: None

(Note) Details are stated under“(2) Changes in Accounting Policies, Changes in Accounting Estimates, and Restatements ofPrior Period Financial Statements after Error Corrections in 2. Matters Regarding Summary Information (Notes)” on page 3 of
the Attached Materials.

(3) Number of shares issued (common stock)a.

b.

Total number of shares issued at the end of the period (including treasury stock)
September 30, 2014

14,858,585 shares

March 31, 2014

15,522,991 shares

Number of treasury shares at the end of the period– shares

September 30, 2014
March 31, 2014
c.

677,246 shares

Average number of shares during the period (cumulative from the beginning of the fiscal year)
First-half period ended September 30, 2014

14,853,120 sharesFirst-half period ended September 30, 2013

14,816,253 shares(Note) Treasury shares at the end of the period include the shares held by the employee stock ownership plan (ESOP) association, andthese are 19,400 shares as of March 31, 2014.

(Non-consolidated Financial Statements)
1. Non-consolidated Operating Performance for the First Half of the Fiscal Year Ending March 31, 2015

(From April 1, 2014 to September 30, 2014)(1) Results in non-consolidated operations(Percentages represent year-on-year changes.)
Ordinary
Net income
profit(%)(%)(¥ million)(¥ million)

Ordinary
income(¥ million)(%)

First half of the fiscal year ending March 31, 2015

20,674

(5.3)

4,837

(2.7)

3,451

3.9

First half of the fiscal year ended March 31, 2014

21,853

3.7

4,973

45.1

3,318

8.9

Net income per share(¥)
First half of the fiscal year ending March 31, 2015

232.37First half of the fiscal year ended March 31, 2014

223.99(2) Non-consolidated financial position

September 30, 2014

Total assets(¥ million)

Net assets(¥ million)

Net assets tototal assets ratio(%)

2,255,686

102,166

4.5

2,204,184
98,2204.4
March 31, 2014
(Reference) Equity: September 30, 2014: ¥102,166 million
March 31, 2014: ¥98,220 million(Note) “Equity” consists of total net assets at the end of the period, and the “Net assets to total assets ratio” is calculated by dividing
equity by total assets at the end of the period. Note that this “Net assets to total assets ratio” is not the net assets to total assets ratio
required for the Capital Adequacy Ratio Notification.

2. Forecast of Non-consolidated Operating Performance for the Fiscal Year Ending March 31, 2015
(from April 1, 2014 to March 31, 2015)(Percentages represent year-on-year changes.)
Ordinary income(¥ million)
Full-year

38,700Ordinary profit

(%)
(4.2)

(¥ million)
7,700

Net income
per share

Net income

(%)
(1.6)

(¥ million)
5,700

(%)

(¥)

(6.9)

383.94* Indication regarding execution of semi-annual audit proceduresThis quarterly financial report is exempt from the semi-annual audit procedures pursuant to the Financial Instruments and Exchange
Law. At the time of disclosure of this quarterly financial report, the semi-annual audit procedures pursuant to the Consolidated
Interim Financial Statements and Non-consolidated Interim Financial Statements pursuant to the Financial Instruments and Exchange
Law are incomplete.

* Disclaimer and special note for referring to the forecast of operating performance:
1. Since the Bank falls under the category of specified corporation (corporations undertaking businesses specified in Article 17-15,
Paragraph 2 of the Ordinance of the Cabinet Office on Disclosure of Corporate Information, etc.), it prepares the Consolidated
Interim Financial Statements and Non-consolidated Interim Financial Statements for the current first-half period.
2. Forward-looking statements concerning financial forecasts contained in these materials are based on information available when
the forecasts were made and certain assumptions judged to be reasonable. However, the Bank makes no guarantee that these
forecasts will be achieved. Actual results may differ significantly from the forecasts due to a variety of factors.

Attached Materials
Index
1. Qualitative Information Regarding Consolidated Results for the Six Months Ended September 30, 2014
(1)

Operating Results ·····························································································

2(2)

Financial Position ·····························································································

2(3)

Note on the Forecast of the Consolidated Operating Performance and Other Forward-Looking(4)Statements ········································································································

2

Status of Important Business Contracts ····································································

2

2. Matters Regarding Summary Information (Notes)(1)

Changes in Significant Subsidiaries During the Consolidated Period Under Review ···················(2)

Changes in Accounting Policies, Changes in Accounting Estimates, and Restatement of Prior Period
Financial Statements after Error Corrections······························································

33

3. Consolidated Interim Financial Statements(1)

Consolidated Interim Balance Sheets ······································································(2)

Consolidated Interim Statements of Income and Consolidated Interim Statements of

4

Comprehensive Income
Consolidated Interim Statements of Income ······························································

5

Consolidated Interim Statements of Comprehensive Income ···········································

6(3)

Consolidated Interim Statements of Changes in Net Assets ············································

7-8

(4)

Notes on Consolidated Interim Financial Statements ····················································

9(Notes on premise of going concern) ·······································································

9(Significant subsequent events) ·············································································

9

4. Non-consolidated Interim Financial Statements(1)

Non-consolidated Interim Balance Sheets ·································································

10

(2)

Non-consolidated Interim Statements of Income ·························································

12

(3)

Non-consolidated Interim Statements of Changes in Net Assets ······································· 13 - 14(4)

Notes on Consolidated Interim Financial Statements ····················································

15(Notes on premise of going concern)(Significant subsequent events) ·············································································

15(Appendix) Financial Results for the First Half of Fiscal Year Ending March 31, 2015 (Supplementary Information)

1

1. Qualitative Information Regarding Consolidated Results for the Six Months Ended September 30, 2014
(1) Operating Results
Looking back at the domestic economic situation of the consolidated operating results for the second half(from April 1, 2014 to September 30, 2014), the economic recovery that has continued up until recently
experienced a standstill as a result of some stagnation in corporate production and individual consumption due
in part to the hike in the consumption tax rate from April. Although there were prospects that the reboundfollowing the tax rate increase was only temporary, the pace of recovery was slowed by factors including
climate instability. While there are some concerns regarding the impact of negative factors such as a slowdownin overseas economies and an increase in costs caused by yen depreciation, a gentle recovery can be expected,
underpinned by an improvement in earnings centered around large companies and a strong employment
environment as the effects of the tax rate hike become more diluted.
Under these circumstances, the Group (the Bank and its consolidated subsidiaries) has worked to improveits growth potential and profitability based on the basic policy of “Developing a stable foundation by
improving frontline capabilities” in anticipation of future changes in the competitive environment.
The Group's consolidated results for the first half of the fiscal year ending March 31, 2015 were as follows.
Ordinary income decreased 1.1 billion yen year on year to 21.0 billion yen. This was mainly due to adecrease in interest income accompanying a decline in the interest income yield and despite increases in thereversal of allowance for loan losses and the recoveries of written off claims.
Meanwhile, ordinary expenses decreased 1.0 billion yen year on year to 15.8 billion yen. This was mainly
due to decreases in operating expenses and credit costs.
As a result, ordinary profits were 5.1 billion yen, nearly unchanged from the previous fiscal year, and net
income increased 0.1 billion yen year on year to 3.6 billion yen.

(2) Financial Position
As a result of efforts to promote a financing system capable of both leveraging our competitive advantages
and taking on risks, loan balances at the end of the first half of the fiscal year ending March 31, 2015
(compared to the end of the first half of the fiscal year ended March 31, 2014; the same shall apply hereinafter)
increased 16.5 billion yen year on year to 1,444.3 billion yen. In terms of deposits, the balance of personal andcorporate deposits (including negotiable certificates of deposit) increased 48.3 billion yen year on year to
2,126.0 billion yen as a result of factors including a steady increase in liquid deposits. The balance of securities
decreased 18.6 billion yen year on year to 612.2 billion yen as a result of factors including sales of mainly
long-term government bonds as part of investment diversification measures.
Net assets increased 4.2 billion yen year on year to 104.3 billion yen.
(3) Note on the Forecast of the Consolidated Operating Performance and Other Forward-Looking
Statements
There are no changes from the consolidated operating performance forecast for the fiscal year ending
March 31, 2015 announced on May 13, 2014.
(4) Status of Important Business Contracts(Conclusion of a contract for the establishment of a joint holding company (through a share transfer) by
the Bank and The Tokyo Tomin Bank, Limited and the preparation of a Share Transfer Plan)On May 2, 2014, the respective board of directors of the Bank and The Tokyo Tomin Bank, Limited(“Tokyo Tomin Bank,” the Bank and Tokyo Tomin Bank collectively referred to as the “Banks”) resolved thatthe Banks will establish Tokyo TY Financial Group, Inc. (the “Joint Holding Company”), which will become
their sole parent company on October 1, 2014 by way of share transfer (the “Share Transfer”). The boards also
resolved the outline of the Joint Holding Company and the terms and conditions of the share transfer, on thecondition that the share transfer is approved at the general shareholders meeting of the respective banks andapprovals and authorizations are obtained from the relevant authorities. In addition, the banks executed theBusiness Integration Agreement and jointly prepared the Share Transfer Plan on that day.
Note that at the ordinary general meeting of shareholders of the Banks held on June 27, 2014 (classshareholders meeting composed of the common shareholders of the Bank relating to the approval of the Share
Transfer Plan was also held), the Share Transfer Plan was approved and the Joint Holding Company wasestablished on October 1, 2014.

2

2. Matters Regarding Summary Information (Notes)(1) Changes in Significant Subsidiaries During the Consolidated Period Under Review
Not applicable.
(2) Changes in Accounting Policies, Changes in Accounting Estimates, and Restatement of Prior
Period Financial Statements after Error Corrections(Changes in accounting policies)(Application of the Accounting Standard for Retirement Benefits)
Concerning the Accounting Standard for Retirement Benefits (ASBJ Statement No. 26, May 17, 2012; “theAccounting Standard for Retirement Benefits”) and the Guidance on Accounting Standard for Retirement
Benefits (ASBJ Guidance No. 25, May 17, 2012; “the Guidance on Accounting Standard for Retirement
Benefits”), the stipulations of Article 35 of the Accounting Standard for Retirement Benefits and Article 67 of
the Guidance on Accounting Standard for Retirement Benefits have been adopted during the six-month period
under review, and accordingly the method for calculating retirement benefit obligations and service costs will
be revised and the period allocation methodology for the estimated retirement benefit amount will be changed
from a straight-line basis to a benefit calculation basis. In addition, the discount rate determination method will
be revised from a method in which it is determined based on a single-year bond yield corresponding to theaverage remaining years of service of employees to a method in which it is determined based on multiple bondyields set for each expected payment period for retirement benefits.
In accordance with transitional treatment as stipulated in Article 37 of the Accounting Standard for
Retirement Benefits for the application of accounting standards for retirement benefits, the impact resulting
from the change in the method for calculating retirement benefit obligations and service costs has beenrecorded under retained earnings at the beginning of the six-month period under review.
As a result, net defined benefit liability decreased by 585 million yen since the beginning of the first half ofthe fiscal year ending March 31, 2015, while retained earnings increased by 377 million yen. In addition, bothordinary profits and income before income taxes and minority interests respectively increased by 122 million
yen.

33. Consolidated Interim Financial Statements(1) Consolidated Interim Balance Sheets(¥ million)
As of March 31, 2014

As of September 30, 2014

62,14944,6612,438
342
27
630,926
1,427,828
3,145
6,042
30,408
1,915
7,422
4,215
(13,857)
2,207,664

122,01434,4572,036
348
20
612,247
1,444,364
3,477
10,74330,367
1,603
6,256
3,597
(12,460)
2,259,074

2,076,396
1,300
170
7
5,000
9,848
898
6,190
566
2,961
4,215
2,107,553

2,122,129
3,958
103
3
5,000
10,383
949
5,087
566
2,961
3,597
2,154,739

43,73432,922
23,573(1,759)98,471
2,124
(16)
341
(910)
1,537
101
100,1102,207,664

43,73432,92225,392102,049
2,644
(14)
341
(792)
2,178
106
104,335
2,259,074

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Allowance for loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Borrowed money
Foreign exchanges
Bonds with subscription rights to shares
Other liabilities
Provision for bonuses
Net defined benefit liability
Provision for loss on dormant deposit repayments
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities
Net Assets
Capital stock
Capital surplus
Retained earnings
Treasury shares
Total shareholders’ equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for landRemeasurements of defined benefit plans
Total of other accumulated comprehensive income
Minority interests
Total net assets
Total liabilities and net assets4(2) Consolidated Interim Statements of Income and Consolidated Interim Statements ofComprehensive Income
Consolidated Interim Statements of Income(¥ million)

Ordinary income
Interest income
Interest on loans and bills discounted
Interest on and dividends from securities
Fees and commissions
Other operating income
Other ordinary income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other operating expenses
General and administrative expenses
Other ordinary expenses
Ordinary profit
Extraordinary income
Gain on disposal of non-current assets
Extraordinary losses
Loss on disposal of fixed assets
Income before income taxes and minority interests
Income tax – current
Income tax – deferred
Total income taxes
Income before minority interests
Minority interests in net income
Net income

5First half of the fiscal year
ended March 31, 2014

First half of the fiscal year
ending March 31, 2015

22,222
15,123
11,629
3,157
2,685
2,524
1,888
16,983
742
678
939
59
13,954
1,286
5,239
0
0
24
24
5,214
98
1,670
1,768
3,446
5
3,440

21,048
14,273
11,269
2,683
2,895
1,599
2,279
15,884
725
652
951
63
13,464
679
5,163
0
0
3
3
5,160
974
573
1,547
3,612
8
3,604

Consolidated Interim Statements of Comprehensive Income(¥ million)

Income before minority interests
Other comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Remeasurements of redefined benefit plans
Total comprehensive income

First half of the fiscal year
ended March 31, 2014

First half of the fiscal year
ending March 31, 2015

3,446
(2,608)(2,612)
4
837

3,612
641
520
1
118
4,253

831
6

4,245
8

(Breakdown)Comprehensive income attributable to owners of the parent
Comprehensive income attributable to minority interests6(3) Consolidated Interim Statements of Changes in Net Assets(First half of the fiscal year ended March 31, 2014)(¥ million)
Shareholders’ equity

Balance at beginning of the year

Capitalstock

CapitalsurplusRetainedearnings

TreasurysharesTotalshareholders’equity43,73432,92233,533(1,854)

108,336

Changes of items during the reporting period
Dividends of surplus

(894)

(894)

Net income

3,440

3,440

Purchase of treasury shares(15,025)(15,025)

9

68

78

Cancellation of treasury shares(15,000)

15,000-Transfer to capital surplus from retained earnings

14,990(14,990)--(12,443)43(12,400)

43,73432,922

21,089(1,811)

95,936

Disposal of treasury shares-

Net changes of items other than shareholder’s equity
during the reporting period
Total of changes of items during the reporting period
Balance at end of period

Other accumulated comprehensive income
Valuationdifference on
Deferred
Revaluation
availablegains or losses reserve forfor-saleon hedges
land
securities
Balance at beginningof the year

4,731

(22)

341

Total
Remeasureaccumulated
ments ofother
definedcomprehensive
benefit plansincome-5,049

Minority
interests

Total net
assets92

113,479

Changes of items
during the reporting
periodDividends of surplus(894)

Net income

3,440

Purchase of treasury
shares(15,025)

Disposal of treasury
shares78

Cancellation oftreasury shares-

Transfer to capitalsurplus from retained
earnings-

Net changes of items
other thanshareholder’s equity
during the reporting
period(2,613)

4--(2,609)3(2,605)

Total of changes of
items during thereporting period(2,613)

4--(2,609)3(15,005)

Balance at end of
period

2,118

(18)

341

-

2,440

96

98,4737

(First half of the fiscal year ending March 31, 2015)(¥ million)
Shareholders’ equity

Balance at beginning of the year

CapitalsurplusRetainedearnings

Treasuryshares43,73432,922

23,573(1,759)Cumulative effect of changes in accounting policies
Balance reflecting changes in accounting policies

Total
shareholders’equityCapital stock

377
43,73432,922

23,95098,471377(1,759)98,849Changes of items during the reporting period
Dividends of surplus

(445)

(445)

Net income

3,604

3,604

Purchase of treasury shares
Disposal of treasury shares

(22)

(22)

12

51

64

Cancellation of treasury shares(1,730)1,730-

Transfer to capital surplus from retained earnings
Net changes of items other than shareholder’s equity
during the reporting period
Total of changes of items during the reporting period

1,717(1,717)

-

-

1,441

1,759

3,200

43,73432,92225,392-102,049

Minority
interests

Total net
assets101

100,110

Balance at end of period

Other accumulated comprehensive income
Valuation
Total
Remeasuredifference on Deferred gains Revaluation
accumulated
ments ofother
availableor losses onreserve fordefinedbenefit comprehensive
for-salehedgeslandplans
securities
incomeBalance at beginning of
the year
Cumulative effect ofchanges in accounting
policies
Balance reflectingchanges in accounting
policies

2,124

(16)

341

(910)

1,537

-

377

2,124

(16)

341

(910)

1,537

101

100,488

Changes of items
during the reporting
periodDividends of surplus(445)

Net income

3,604

Purchase of treasury
shares
Disposal of treasury
sharesCancellation oftreasury shares

(22)
64
-

Transfer to capitalsurplus from retained
earnings-

Net changes of items
other thanshareholder’s equity
during the reporting
period

520

1

-

118

640

5

646

Total of changes of
items during thereporting period

520

1

-

118

640

5

3,847

Balance at end of
period

2,644

(14)

341

(792)

2,178

106

104,3358

(4) Notes on Consolidated Interim Financial Statements(Notes on premise of going concern)
Not applicable.
(Significant subsequent events)
The establishment of Tokyo TY Financial Group, Inc. as a sole parent company through a joint sharetransfer by the Bank and The Tokyo Tomin Bank, Limited was approved at the general shareholders meetings
held on June 27, 2014, and this sole parent company was established on October 1, 2014.

9

4. Non-consolidated Interim Financial Statements(1) Non-consolidated Interim Balance Sheets(¥ million)
As of March 31, 2014

As of September 30, 2014

62,14044,661
2,438
342
27
628,693
1,427,267
3,145
4,680
4,680
30,476
1,860
6,615
4,215
(12,378)
2,204,184

121,980
34,4572,036
348
20
610,048
1,444,146
3,477
9,333
9,333
30,355
1,557
5,550
3,597
(11,223)
2,255,686

2,079,102
3,050
170
7
5,000
5,300
576
641
29
4,053
877
4,712
566
2,961
4,215
2,105,963

2,124,820
5,838
103
3
5,000
5,912
810
614
29
4,457
925
3,791
566
2,961
3,597
2,153,519

AssetsCash and due from banks
Call loans
Monetary claims bought
Trading account securities
Money held in trust
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Allowance for loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Borrowed money
Foreign exchanges
Bonds with subscription rights to shares
Other liabilities
Income taxes payable
Lease obligations
Asset retirement obligations
Other liabilities
Provision for bonuses
Provision for retirement benefits
Provision for loss on dormant deposit repayments
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities10(¥ million)
As of March 31, 2014

As of September 30, 2014

43,73432,922
32,922
20,8995,425
15,4738,200
7,273(1,759)95,797
2,098
(16)
341
2,422
98,2202,204,184

43,73432,922
32,922
22,565
5,514
17,05011,7005,350
99,222
2,617
(14)
341
2,943
102,166
2,255,686

Net Assets
Capital stock
Capital surplus
Legal capital surplus
Other capital surplus
Retained earnings
Legal retained earnings
Other retained earnings
General reserve
Retained earnings brought forward
Treasury shares
Total shareholders’ equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for land
Total valuation and translation adjustments
Total net assets
Total liabilities and net assets

11(2) Non-consolidated Interim Statements of Income(¥ million)

Ordinary income
Interest income
Interest on loans and bills discounted
Interest and dividends on securities
Fees and commissions
Other operating income
Other ordinary income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payment
Other operating expenses
General and administrative expenses
Other ordinary expenses
Ordinary profit
Extraordinary income
Extraordinary losses
Income before income taxes
Income taxes – current
Income taxes – deferred
Total income taxes
Net income

12First half of the fiscal year
ended March 31, 2014

First half of the fiscal year
ending March 31, 2015

21,853
15,19011,614
3,239
2,443
2,343
1,876
16,880
743
679
1,096
24
13,750
1,265
4,973
0
24
4,948
25
1,605
1,630
3,318

20,674
14,485
11,259
2,905
2,657
1,377
2,153
15,837
726
653
1,107
13,336
667
4,837
0
3
4,833
844
538
1,382
3,451

(3) Non-consolidated Interim Statements of Changes in Net Assets(First half of the fiscal year ended March 31, 2014)(¥ million)
Shareholders’ equity
Capital surplus

Balance at beginning of the year

Retained earnings
Other retained earnings

Capital
stock

Legal
capitalsurplus

OthercapitalsurplusTotal
capitalsurplusLegalretainedearnings

Generalreserve

Retainedearnings
brought
forwardTotal
retainedearnings

43,73432,922-

32,922

5,157

18,2007,743

31,101(179)-

Changes of items during the reporting period
179

Provision of legal retained earnings

10,000-

Dividends of surplus(10,000)

(894)

(894)

Net income

3,318

3,318

(14,990)(14,990)

Reversal of general reserve

Purchase of treasury shares
Disposal of treasury shares
Cancellation of treasury shares
Transfer to capital surplus from retained
earnings
Net changes of items other thanshareholder’s equity during the reporting
periodTotal of changes of items during thereporting period
Balance at end of period99(15,000)(15,000)

14,99014,990

-

-

-

-

179

(10,000)(2,744)(12,565)

43,73432,922-

32,922

5,336

8,200

4,998

18,535

Revaluation
reserve for
land

Total
valuation andtranslation
adjustments

Total net
assets341

5,028

110,932

Shareholders’ equity

Balance at beginning of the year

Valuation and translation adjustments

TreasurysharesTotalshareholders’equityValuationdifference on
availablefor-salesecurities(1,854)

105,904

4,710

Deferred gains
or losses onhedges(22)

Changes of items during thereporting period
Provision of legal retained
earnings--

Reversal of general reserve--

Dividends of surplus

(894)

(894)

Net income

3,318

3,318

Purchase of treasury shares(15,025)(15,025)(15,025)

Disposal of treasury shares

68

78

78

15,000----Cancellation of treasury shares
Transfer to capital surplus
from retained earnings
Net changes of items other thanshareholder’s equity during thereporting period
Total of changes of items during
the reporting period
Balance at end of period(2,614)

4-(2,610)(2,610)43(12,522)(2,614)

4-(2,610)(15,132)(1,811)

93,382

2,095

(18)

341

2,418

95,80013

(First half of the fiscal year ending March 31, 2015)(¥ million)
Shareholders’ equity

Capital surplus

Balance at beginning of the year

Capital
stock

Legal
capitalsurplus

OthercapitalsurplusTotal
capitalsurplusLegalretainedearnings

43,73432,922-

32,922

5,425

Retained earnings
Other retained earnings
Retainedearnings
Generalbrought
reserveforward
8,200

7,273

20,899

377

377

8,200

7,651

21,276

(89)

-

3,500

(3,500)-

Cumulative effect of changes in accounting
policies
Balance reflecting changes in accounting
policies

43,73432,922-

32,922

5,425

Total
retainedearnings

Changes of items during the reporting period
89

Provision of legal retained earnings
Reversal of general reserve
Dividends of surplus

(445)

(445)

Net income

3,451

3,451

(1,717)(1,717)Purchase of treasury shares
Disposal of treasury shares

12

12Cancellation of treasury shares(1,730)(1,730)Transfer to capital surplus from retained
earnings

1,717

1,717

Net changes of items other thanshareholder’s equity during the reporting
periodTotal of changes of items during thereporting period
Balance at end of period

-

-

-

-

89

3,500

(2,301)

1,288

43,73432,922-

32,922

5,514

11,7005,350

22,565

Shareholders’ equity

Balance at beginning of the year

TreasurysharesTotalshareholders’equity(1,759)95,797

Cumulative effect of changes
in accounting policies
Balance reflecting changes inaccounting policies

Valuation and translation adjustments
Valuation
Deferred
Total
Revaluationdifference on
gains orvaluation andreserve foravailablelosses ontranslation
land
for-salehedgesadjustments
securities
2,098
(16)
341
2,422

377
(1,759)96,175

Total net
assets98,220
377

2,098

(16)

341

2,422

98,597

Changes of items during thereporting period
Provision of legal retained
earnings--

Reversal of general reserve--

Dividends of surplus

(445)

(445)

Net income

3,451

3,451

Purchase of treasury shares

(22)

(22)

(22)

Disposal of treasury shares

51

64

64

1,730

-

-

-

-

Cancellation of treasury shares
Transfer to capital surplus fromretained earnings
Net changes of items other thanshareholder’s equity during thereporting period
Total of changes of items during
the reporting period
Balance at end of period

519

1

-

521

521

1,759

3,047

519

1

-

521

3,568

-

99,222

2,617

(14)

341

2,943

102,16614

(4) Notes on Consolidated Interim Financial Statements(Notes on premise of going concern)
Not applicable.
(Significant subsequent events)
The establishment of Tokyo TY Financial Group, Inc. as a sole parent company through a joint sharetransfer by the Bank and The Tokyo Tomin Bank, Limited was approved at the general shareholders meetingsand class shareholders meeting held on June 27, 2014, and this sole parent company was established on
October 1, 2014.

15