Financial Results
for the Fiscal Year Ended March 31, 2024
- Supplementary Information -Contents
I. Overview of Financial Results for the Fiscal Year Ended March 31, 2024
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 10–13
2. Coverage Status of Loans Based on the Financial Reconstruction Act ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 14
3. Status of Reserve for Possible Loan Losses ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 15
4. Status of Problem Assets Subject to Disclosure ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 16–17
5. Loan Breakdown by Industrial Sector ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 18–20
6. Deposits and Loans ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 21–26
III. Valuation Gain/Loss on Securities
1. Valuation Standards ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 27
2. Gain/Loss on Valuation ꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏꞏ 27

I. Overview of Financial Results for the Fiscal Year Ended March 31, 2024
1. Status of Profit/Loss(1) Tokyo Kiraboshi Financial Group, Inc.
[Consolidated]
In the fiscal year ended March 31, 2024, ordinary income increased by ¥13,039 million year-on-year to ¥138,331
million, while ordinary profit increased by ¥2,194 million year-on-year to ¥32,968 million. Profit attributable to ownersof parent increased by ¥4,501 million year-on-year to ¥25,652 million.
(Millions of yen)
Fiscal year ended
March 31, 2024 (A)Fiscal year ended
March 31, 2023 (B)Difference(A) – (B)

Ordinary income

1

138,331

13,039125,291

Gross business profit

2

91,641

8,829

82,811(Excluding gains/losses on bonds (five accounts
total))

3

95,486

6,003

89,482

Net interest income

478,653

10,24568,407

Trust fees

5

346

(49)

395

Net fees and commissions

6

18,193

1,433

16,759Net other business income (loss)

7(5,551)(2,800)(2,750)

Expenses (excluding non-recurring losses)

8

63,1505,361

57,788Credit-related costs

9

2,081

(177)

2,258

Write-off of loans

10

107

87

19

Transfer to reserve for individual possible
loan losses

11

4,447

(135)

4,583

Other credit-related costs

12(2,474)(129)(2,344)

Gains (losses) on stocks and other securities

13

6,319

1,673

4,646

Profit (loss) on investments based on the equity
method14

16(3,553)

3,569

Others

15

223

429

(206)

Ordinary profit

16

32,9682,194

30,774Extraordinary profit (loss)

17

(219)

(1,312)

1,093

Income before income taxes

18

32,749881

31,867

Total income taxes

19

7,124

(3,673)

10,798

Income taxes – current

20

8,896

989

7,907

Income taxes – deferred

21(1,771)(4,662)

2,891

Profit22

25,625

4,555

21,069Loss attributable to non-controlling interests

23

(27)

53

(80)

Profit attributable to owners of parent

24

25,652

4,501

21,150(Number of consolidated subsidiaries and equity-method affiliates)(Number of companies)

Consolidated subsidiaries

25

18

1

17

Equity-method affiliates

26

3

－

3

1

(2) Kiraboshi Bank, Ltd.
[Non-consolidated]
In the fiscal year ended March 31, 2024, although there was a decrease in dividends received from affiliates, an increasein personnel expenses resulting partly from base pay raise, and increases also in non-personnel and other expenses,
non-consolidated ordinary profit increased by ¥424 million year on year to ¥36,986 million, as a result of such factors
as an increase in interest on loans and discounts due in part to promotion of main bank relationship-building andbusiness financing activities, combined with a decrease in loss on sale of foreign bonds and an increase in gain on saleof equity securities held for pure investment. Net income increased by ¥2,874 million to ¥30,301 million.
* An amount equivalent to ¥3,514 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 as
dividends from affiliates (¥6,470 million in the fiscal year ended March 31, 2023).

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 general
possible loan losses)(Net business income)(Excluding gains/losses on bonds (five accounts total)) (Corebusiness income)(Net core business income (excluding gains [losses]) on
cancellation of investment trusts)
Net core business income (excluding special factors) (Notes) 1
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 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
Ordinary profit (excluding special factors) (Notes) 2

2(Millions of yen)
Fiscal year
ended
March 31, 2023
(B)
110,764
85,753Difference(A) – (B)12

Fiscal year
ended
March 31, 2024(A)
115,454
88,263

3

91,948

1,185

90,763

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

84,45986,01673,696346
12,089(1,673)
3,803
5,932
7,758
202
(4,157)53,18522,94825,182
5,053(3,774)
98
3,750
(49)
(94)
(7,381)
6,283
1,086
3,271
(1)
3,014
2,736
614
1,334
786

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

1935,078(226)

35,30420

38,763(1,550)40,31421

38,135(2,257)40,392

22
23
24
25
26
27
28
29
30
31

35,248(2,925)38,003(3,685)(1,016)
4,869
91
4,156
(28)
1

5,306
(362)
135
1,324
289
251
91
(81)
(28)
(124)

29,942(2,562)37,867(5,009)(1,306)
4,617
－
4,238
－
126

32

627

387

240

33
34
35
36
37
38
39
40
41
42

19
－
284
6,339
8,137
1,766
31
(2,771)
36,98633,471

7
－
209
1,528
2,470
910
31
(1,196)
424
3,380

12
－
74
4,811
5,667
855
－
(1,575)36,56130,091

4,689
2,509

(Millions of yen)

Extraordinary profit (loss)
Income before income taxes
Income taxes
Income taxes – current
Income taxes – deferred
Net income
Net income (excluding special factors) (Notes) 2

43
44
45
46
47
48
49

Fiscal year
ended
March 31, 2024
(A)
(178)
36,807
6,506
7,649(1,143)30,301
26,786

Credit-related costs

50

1,943

(1)＋(2)－(3)Fiscal year
ended
Difference March 31, 2023
(A) – (B)(B)
(1,747)
1,569(1,323)38,130(4,198)10,704612
7,037(4,810)3,666
2,874
27,426
5,830
20,955
(110)

2,054

(Notes) 1. Indicates an amount exclusive of dividends received from equity-method affiliate that were sourced fromsale of real estate by the said equity-method affiliate (¥3,514 million in the current period, ¥6,470 million
in the same period of the previous fiscal year), and gains from derivatives transactions associated withunwinding of asset swaps (not applicable in the current period, ¥3,901 million in the same period of theprevious fiscal year).
2. Indicates an amount exclusive of dividends received from equity-method affiliate that were sourced fromsale of real estate by the said equity-method affiliate (¥3,514 million in the current period, ¥6,470 million
in the same period of the previous fiscal year).

[Consolidated](Millions of yen)

Ordinary income
Ordinary profit
Profit attributable to owners of parent

51
52
53

3

Fiscal year
ended
March 31, 2024
(A)
117,944
34,32327,364

Fiscal year
ended
Difference March 31, 2023
(A) – (B)(B)
8,325
109,618(188)
34,512
2,295
25,068

2. Business Income
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2024 (A)Net business income (before provision for generalreserve for 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, 2023 (B)Difference(A) – (B)35,078(226)

35,304

15,257608

14,64938,003135

37,867

16,530817

15,712

38,763(1,550)40,314

16,861

133

16,727(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, 2024 (A)Yields on interest-earning assets

(C)

1.43

Loans and bills discounted

(c)

0.17

1.26

1.38

0.11

1.26

2.21

0.16

2.04

(D)

0.97

0.10

0.86

(d)

0.02

0.00

0.01

0.69

0.43

0.26

Securities
Cost of funding
Deposits, etc.

Fiscal year ended
March 31, 2023 (B)Difference(A) – (B)

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

1.35

0.10

1.25

Net interest margin(C)－(D)

0.46

0.06

0.39

(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, 2024 (A)Fiscal year ended
March 31, 2023 (B)Difference(A) – (B)Yields on interest-earning assets

(C)

1.27

0.09

1.17

Loans and bills discounted

(c)

1.30

0.07

1.22

Securities
Cost of funding
Deposits, etc.

1.93

(0.11)

2.04

(D)

0.91

0.08

0.83

(d)

0.01

(0.00)

0.01

0.40

0.28

0.12

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

1.29

0.07

1.21

Net interest margin(C)－(D)

0.35

0.01

0.34

(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, 2024 (A)On basis of profit attributable to owners of parent(Note)ROE [Consolidated] =Fiscal year ended
March 31, 2023 (B)Difference(A) – (B)

7.41

0.86

6.54

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, 2024 (A)Difference(A) – (B)Fiscal year ended
March 31, 2023 (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

10.50(0.82)

11.33

On a basis of net business income

11.38(0.77)

12.15

On a basis of net core business income

11.61(1.33)

12.94

On the basis of net income

9.07

0.27

8.80

(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 dividends from affiliates)(%)
Fiscal year ended
March 31, 2024 (A)Difference(A) – (B)Fiscal year ended
March 31, 2023 (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

9.59

0.24

9.35

On a basis of net business income

10.48

0.30

10.18

On a basis of net core business income

10.71(0.25)

10.97

On the basis of net income

8.14

1.34

6.79

(Note) 1. ROE [Non-consolidated] =Net income(Net assets at the beginning of the period + net assets at the end of the period) ÷ 2

× 100

2. Dividends from affiliates of ¥3.5 billion for fiscal year ended March 31, 2024 and ¥6.4 billion for fiscal year ended
March 31, 2023 are excluded.

5

Kiraboshi Bank, Ltd. [Consolidated](%)
Fiscal year ended
March 31, 2024 (A)Fiscal year ended
March 31, 2023 (B)Difference(A) – (B)On a basis of net business income (before transfer
to reserve for general possible loan losses)

8.75(0.23)

8.98

On a basis of net business income

9.59(0.23)

9.82

On a basis of net core business income

9.80(0.72)

10.52

On the basis of profit attributable to owners ofparent

7.82

0.11

7.71

(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, 2024 (A)Difference(A) – (B)Fiscal year ended
March 31, 2023 (B)On a basis of gross core business profit

57.84

2.25

55.58

On a basis of gross business profit

60.25

1.42

58.83

(Note)OHR

Expenses=

Gross business profit

× 100

Kiraboshi Bank, Ltd. [Non-consolidated] (exclusive of dividends from affiliates)(%)
Fiscal year ended
March 31, 2024 (A)Difference(A) – (B)Fiscal year ended
March 31, 2023 (B)On a basis of gross core business profit

60.14

0.29

59.84

On a basis of gross business profit

62.75(0.87)

63.63

Expenses
× 100
Gross business profit
2. Dividends from affiliates of ¥3.5 billion for fiscal year ended March 31, 2024 and ¥6.4 billion for fiscal year ended
March 31, 2023 are excluded.

(Note) 1. OHR=

6

6. Gain/Loss on Securities
Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)
Fiscal year ended
March 31, 2024 (A)Fiscal year ended
March 31, 2023 (B)Difference(A) – (B)

Gains (losses) on bonds(3,685)1,324(5,009)Gain on sale of bonds

1,328(4,106)

5,434

－

(105)

105

4,993

(5,378)

10,372－－－Gain on redemption of bond
Loss on sale of bonds
Loss on redemption of bond
Loss on devaluation of bonds

19

(157)

177

6,339

1,528

4,811

Gain on sale of equity securities

8,137

2,470

5,667

Loss on sale of equity securities

1,766

910

855

31

31

－

Gain (loss) on stocks

Loss on devaluation of equity securities

77. Capital Ratio (Domestic Standards)(1) Tokyo Kiraboshi Financial Group, Inc. [Consolidated](Millions of yen, %)March 31,2024 (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 31,2023 (B)

8.25

0.15

8.09

367,161

28,104

339,056

37,814

15,142

22,671

329,346

12,962

316,384

347,851

21,210326,640

5,699(3,110)

8,809

－

－

－

3,990,438

83,7983,906,640

159,6173,351

156,265(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)March 31,2024 (A)(1) Capital ratio (%)

March 31,2023 (B)

8.57

0.39

8.18

(2) Basic items in core capital

352,671

22,574330,096(3) Adjustments in core capital

16,6093,034

13,575336,061

19,540316,521347,163

25,497

321,665

5,508(2,933)

8,441

－

－

－

3,917,053

48,165

3,868,887

156,682

1,926

154,755(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 31,2024 (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 31,2023 (B)

8.63

0.28

8.35

372,006

29,539342,466

32,66013,38019,279339,346

16,159323,186

352,440

22,560329,879

5,608(2,945)

8,553

－

－

－

3,928,051

58,7903,869,261

157,122

2,351

154,770(4) UI Bank Co., Ltd.
(Millions of yen, %)March 31,2024 (A)March 31,2023 (B)

6.49

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

7,884

1,292

6,591

(3) Adjustments in core capital

2,846

711

2,135

5,037

581

4,456

7,747

1,264

6,483

136

27

108

－

－

－

77,562

12,87164,691

3,102

514

2,587

(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%

6.88

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.

9II. Status of Loans
1. Risk-monitored Loans and Loans Based on the Financial Reconstruction Act(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)

March 31, 2023
(B)

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

16,133(6,735)22,869Doubtful assets

89,226

1,829

87,396

Substandard assets

7,395

(208)

7,603

421

398

23

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

6,974

(606)

7,580

112,756(5,113)

117,870

Normal assets

4,752,626

91,273

4,661,353

Total credit balance

4,865,383

86,1594,779,223

Subtotal(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)

March 31, 2023
(B)

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

8

8

－

Doubtful assets

－

－

－

Substandard assets

－

－

－

Past-due loans (3 months or more)

－

－

－

Restructured loans

－

－

－

8

8

－

Normal assets

282

280

1

Total credit balance

290

289

1

Subtotal(Note) Loans to Kiraboshi Bank, Ltd. are not included in the above table.

10

(Ratio to total credit balance)(1) Kiraboshi Bank, Ltd. [Non-consolidated](%)
March 31, 2024
(A)

March 31, 2023
(B)

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

0.33(0.14)

0.47

Doubtful assets

1.83

0.00

1.82

Substandard assets

0.15(0.00)

0.15

Past-due loans (3 months or more)

0.00

0.00

0.00

Restructured loans

0.14(0.01)

0.15

Ratio to total credit balance

2.31(0.14)

2.46(2) UI Bank Co., Ltd. [Non-consolidated](%)
March 31, 2024
(A)

March 31, 2023
(B)

Difference(A) – (B)

2.83

2.83

－

Doubtful assets

－

－

－

Substandard assets

－

－

－

Past-due loans (3 months or more)

－

－

－

Restructured loans

－

－

－

Ratio to total credit balance

2.83

2.83

－

Bankrupt and quasi-bankrupt assets(Note) Loans to Kiraboshi Bank, Ltd. are not included in the above table.

11[After partial direct write-offs](1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)

March 31, 2023
(B)

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

5,897(3,679)9,577

Doubtful assets

89,226

1,829

87,396

Substandard assets

7,395

(208)

7,603

Past-due loans (3 months or more)

421

398

23

6,974

(606)

7,580

102,519(2,058)104,578

Normal assets

4,752,626

91,273

4,661,353

Total credit balance

4,855,146

89,215

4,765,931

Restructured loans
Subtotal(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)

March 31, 2023
(B)

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

8

8

－

Doubtful assets

－

－

－

Substandard assets

－

－

－

Past-due loans (3 months or more)

－

－

－

Restructured loans

－

－

－

8

8

－

Normal assets

282

280

1

Total credit balance

290

289

1

Subtotal(Note) Loans to Kiraboshi Bank, Ltd. are not included in the above table.

12

(Ratio to total credit balance)(1) Kiraboshi Bank, Ltd. [Non-consolidated](%)
March 31, 2024
(A)

March 31, 2023
(B)

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

0.12(0.07)

0.20

Doubtful assets

1.83

0.00

1.83

Substandard assets

0.15(0.00)

0.15

Past-due loans (3 months or more)

0.00

0.00

0.00

Restructured loans

0.14(0.01)

0.15

Ratio to total credit balance

2.11(0.08)

2.19(2) UI Bank Co., Ltd. [Non-consolidated](%)
March 31, 2024
(A)

March 31, 2023
(B)

Difference(A) – (B)

2.83

2.83

－

Doubtful assets

－

－

－

Substandard assets

－

－

－

Past-due loans (3 months or more)

－

－

－

Restructured loans

－

－

－

Ratio to total credit balance

2.83

2.83

－

Bankrupt and quasi-bankrupt assets(Note) Loans to Kiraboshi Bank, Ltd. are not included in the above table.

132. Coverage Status of Loans Based on the Financial Reconstruction Act(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)March 31, 2024(A)
Covered amount(C)

March 31, 2023
(B)

Difference(A) – (B)87,145(4,581)

91,727

18,575(2,569)21,145Bankrupt and quasi-bankrupt assets

10,452(3,184)

13,637

Doubtful assets

7,375

459

6,916

Reserve for possible loan losses

Substandard loans

747

155

592

Collateral guarantees, etc.

68,569(2,011)

70,581

Bankrupt and quasi-bankrupt assets

5,681(3,550)9,232

Doubtful assets

61,2201,209

60,010Substandard loans
Problem assets(D)

Coverage ratio(C)/(D)

1,668

329

1,338

112,756(5,113)

117,87077.28(0.53)

77.82(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen, %)March 31, 2024
(A)

March 31, 2023
(B)

Difference(A) – (B)
8

8

－

－

－

－

Bankrupt and quasi-bankrupt assets

－

－

－

Doubtful assets

－

－

－

Substandard loans

－

－

－

Collateral guarantees, etc.

Covered amount(C)

Reserve for possible loan losses

8

8

－

Bankrupt and quasi-bankrupt assets

8

8

－

Doubtful assets

－

－

－

Substandard loans

－

－

－

8

8

－

100.00100.00－Problem assets(D)

Coverage ratio(C)/(D)14

3. Status of Reserve for Possible Loan Losses(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)
Reserve for possible loan losses

March 31, 2023
(B)

Difference(A) – (B)23,327(5,650)28,978Provision of general reserve for possible loan
losses5,391(2,925)

8,316

Provision for individual possible loan losses

17,936(2,725)

20,662(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)
Reserve for possible loan losses

March 31, 2023
(B)

Difference(A) – (B)

136

27

108

Provision of general reserve for possible loan
losses

136

27

108

Provision for individual possible loan losses

－

－

－

15

4. Status of Problem Assets Subject to Disclosure(1) Kiraboshi Bank, Ltd. [Non-consolidated][Fiscal year ended March 31, 2024](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
Bankrupt borrowers
4.9
＜1.1＞

(Object: Total credit, etc.)

Classification
Not
classified

4.4

Disclosed debts(credit balance)

Classification Classification Classification
II

0.4

III

IV

─

─

(0.0)

(3.7)

16.1
8.9

2.3

─
(0.1)

52.9

15.6

20.6

Reserve

Coverage ratio

5.6

10.4

100.0%

Bankrupt and quasi-bankrupt

Virtually bankrupt
borrowers
11.2
＜4.7＞

Collateralguarantees,
etc.

＜5.8＞

─
(6.4)

<100.0%>Borrowers withbankruptcy concerns
89.2

Doubtful assets
89.2

61.2

7.3

76.8%

1.6

0.7

32.6%

68.5

18.5

77.2%

(7.3)
Past-due loans(3 months or

Borrowers
requiring
cautionSubstandard
borrowers

694.5

9.0

Substandard
loans

more)

7.3

Restructured

0.4
loans

6.9
1.1

7.9

Subtotal
112.7＜102.5＞

Borrowers
requiring
caution,excludingclaims to
substandard
borrowers

685.4

Total
＜75.0%＞

Claims toborrowers
requiring caution,
excluding claims
to substandard
borrowers

219.7

465.6

687.1
Normal assets

Normal borrowers
4,065.5

4,065.5

Total
4,865.3＜4,855.1＞

4,752.6

4,352.6

492.0

20.6

─

Ratio to total debts

89.4%

10.1%

0.4%

─

Total
4,865.3＜4,855.1＞(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.

16

(2) UI Bank Co., Ltd. [Non-consolidated][Fiscal year ended March 31, 2024](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

─

─
(─)

─
(─)

Collateralguarantees,etc.

Reserve

Coverage ratio0.0

─

100.0%

Bankrupt borrowers
─
＜─＞

─

Bankrupt and quasi-bankrupt

Virtually bankrupt
borrowers
0.0
＜0.0＞

0.0
0.0

─

─

─

(─)

(─)

＜0.0＞

Borrowers withbankruptcy concerns─<100.0%>

Doubtful assets
─

─

─
(─)

─

─

─

─

─

─

─

0.0

─

100.0%

Past-due loans(3 months or

Borrowers
requiring
cautionSubstandard
borrowers

0.0─

Substandard

more)

loans
─

─
Restructured
loans

─
─

─

Subtotal
0.0＜0.0＞

Borrowers
requiring
caution,excludingclaims to
substandard
borrowers

0.0
Normal borrowers
0.2

Total
＜100.0%＞Claims toborrowers
requiring caution,
excluding claims
to substandard
borrowers

0.0

─

0.0
Normal assets
0.2

0.2

Total

Total

0.2
＜0.2＞

0.2

─

─

─

Ratio to total debts

100.0%

─

─

─

0.2
＜0.2＞

(Notes) 1. Self-assessment includes loans, foreign exchange, provisional payment pursuant to loans, and accrued
interest.
2. Brackets indicate the reserve amounts against the classified amounts based on the self-assessment results.
Reserves are recorded for non-classified loans.
3. UI Bank, Co., 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.
5. Loans to Kiraboshi Bank, Ltd. are not included in the above table.

175. Loan Breakdown by Industrial Sector
Kiraboshi Bank, Ltd. [Non-consolidated](i) Loan breakdown by industrial sector(Millions of yen)
Balance at March 31,
2024 (A)All branches
Manufacturing
Agriculture, forestry
Fishery
Mining, quarrying of stone and gravel

Balance at March 31,
2023 (B)

Difference(A) – (B)4,833,110

97,712

4,735,398

367,223(21,063)388,286

1,297

12

1,285

306

(8)

314

1,508

(265)

1,773

Construction

214,802(10,884)

225,686

Electricity, gas and heat supplies, andwaterworks

24,375

3,079

21,296

Communication service

135,309

1,746

133,563

Transportation, postal activities

67,970(8,877)

76,847

Commerce

525,890(31,342)557,232

Banks and other financial institutions

400,829

38,979361,850

1,418,440

25,944

1,392,496(Real estate brokerage)

536,454(18,969)

555,423(Real estate leasing)881,986

44,914

837,072

Goods rental and leasing

80,656(31,458)

112,114

Scientific research, professional, and technicalservices

96,057

1,479

94,578

Real estate

Accommodations

15,825(397)

16,222

Restaurant businesses

54,652(4,489)59,141

Living-related and personal services,
amusement services

70,095(16,466)

86,561

Education, learning support

44,656

1,390

43,266

Medical healthcare and welfare

205,6424,629

201,013

Other services

115,837(5,804)

121,641

Local governments

210,724

122,679

88,045

Other781,006

28,826752,180(Notes) 1. Special international financial transaction account is included in “Other,” and the same applies for (ii) and (iii)
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) and (iii) below.

18

(ii) Loan breakdown by industrial sector (ratio)(%)
Balance at March 31,
2024 (A)Balance at March 31,
2023 (B)

Difference(A) – (B)

100.00%－100.00%

Manufacturing

7.59%(0.60%)

8.19%

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

4.44%(0.32%)

4.76%

Electricity, gas and heat supplies, andwaterworks

0.50%

0.05%

0.44%

Communication service

2.79%(0.02%)

2.82%

Transportation, postal activities

1.40%(0.21%)

1.62%

Commerce

10.88%(0.88%)

11.76%All branches

Banks and other financial institutions

8.29%

0.65%

7.64%

Real estate

29.34%(0.05%)

29.40%(Real estate brokerage)

11.09%(0.62%)

11.72%(Real estate leasing)

18.24%

0.57%

17.67%

Goods rental and leasing

1.66%(0.69%)

2.36%

Scientific research, professional, and technicalservices

1.98%(0.00%)

1.99%

Accommodations

0.32%(0.01%)

0.34%

Restaurant businesses

1.13%(0.11%)

1.24%

Living-related and personal services,
amusement services

1.45%(0.37%)

1.82%

Education, learning support

0.92%

0.01%

0.91%

Medical healthcare and welfare

4.25%

0.00%

4.24%

Other services

2.39%(0.17%)

2.56%

Local governments

4.36%

2.50%

1.85%

Other

16.15%

0.27%

15.88%

19

(iii) Risk-monitored loans by industrial sector(Millions of yen)
Balance at March 31,
2024 (A)All branches

Balance at March 31,
2023 (B)

Difference(A) – (B)112,756(5,113)

117,870

19,463

1,402

18,060Agriculture, forestry

－

－

－

Fishery－－－

Mining, quarrying of stone and gravel

453

453

－

8,528

(94)

8,623

－

(89)

89

5,795

34

5,761

Manufacturing

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

3,656

(152)

3,808

Commerce

32,637(4,243)36,880Banks and other financial institutions
Real estate

404

145

258

6,147

(3,795)

9,943(Real estate brokerage)

1,107

(333)

1,441

(Real estate leasing)

5,040(3,461)

8,501

Goods rental and leasing

600

21

579

Scientific research, professional, and technicalservices

5,253

(756)

6,010

Accommodations

1,674

(133)

1,807

Restaurant businesses

7,065

(231)

7,297

Living-related and personal services,
amusement services

4,194

415

3,779

Education, learning support

2,222

730

1,492

Medical healthcare and welfare

2,943

446

2,497

Other services

4,893

408

4,485

－

－

－

6,820

323

6,497

Local governments
Other

20

6. Deposits and Loans(i) Status of loans(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen, %)March 31, 2024
(A)
Loans (balance)(Excluding offshore accounts)
Loans to small and medium-sized enterprises

4,833,110

97,711

4,735,398(C)

4,833,110

97,711

4,735,398(D)

3,996,431(27,908)

4,024,339

3,301,116(22,107)3,323,224

695,315(5,800)701,115

82.68(2.29)

84.98

4,815,448

299,751

4,515,696

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

March 31, 2023
(B)

Difference(A) – (B)

(D)/(C)

Loans (average balance)(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen, %)March 31, 2024
(A)
Loans (balance)(Excluding offshore accounts)
Loans to small and medium-sized enterprises

289

287

1

(C)

289

287

1

(D)

289

287

1

－

－

－

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

March 31, 2023
(B)

Difference(A) – (B)

(D)/(C)

289

287

1

100.00－100.0081

81

0Loans (average balance)(Note) UI Bank started handling consumer loans in March 2023.
Loans to Kiraboshi Bank, Ltd. are not included in the above table.

(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen, %)March 31, 2024
(A)
Loans (balance)(Excluding offshore accounts)
Loans to small and medium-sized enterprises

March 31, 2023
(B)

4,833,399

97,9994,735,400(C)

4,833,399

97,9994,735,400(D)

3,996,721(27,620)

4,024,341

3,301,116(22,107)3,323,224

695,605(5,512)

701,11782.68(2.29)

84.98

4,815,529

299,832

4,515,696

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

Difference(A) – (B)

(D)/(C)

Loans (average balance)(Note) UI Bank started handling consumer loans in March 2023.
Loans to Kiraboshi Bank, Ltd. are not included in the above table.

21

(ii) Consumer loan balance(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)
Consumer loan balance

March 31, 2023
(B)

Difference(A) – (B)695,315(5,800)701,115

Housing-related loans

629,773(1,934)

631,708

Other loans

65,541(3,865)69,407(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)
Consumer loan balance

March 31, 2023
(B)

Difference(A) – (B)

289

287

1

Housing-related loans

－

－

－

Other loans

289

287

1

(Note) UI Bank started handling consumer loans in March 2023.
Loans to Kiraboshi Bank, Ltd. are not included in the above table.

(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)March 31, 2024
(A)
Consumer loan balance

Difference(A) – (B)

March 31, 2023
(B)695,605(5,512)

701,117

Housing-related loans

629,773(1,934)

631,708

Other loans

65,831(3,577)

69,408(Note) UI Bank started handling consumer loans in March 2023.
Loans to Kiraboshi Bank, Ltd. are not included in the above table.

22

(iii) Status of deposits(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2024(A)

Difference(A) – (B)

March 31, 2023
(B)

5,543,896

186,149

5,357,746

5,472,896

124,649

5,348,246

Personal deposits

2,999,913(21,139)

3,021,053

Corporate deposits

2,083,389

86,775

1,996,614

389,59359,013

330,579

71,00061,5009,500

5,448,511

330,085

5,118,425

5,435,119

326,854

5,108,264

13,392

3,231

10,160

Deposits (year-end balance)
Deposits

Other deposits
Negotiable certificates of deposit
Deposit (average balance)
Deposits
Negotiable certificates of deposit(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)
Deposits (year-end balance)
Deposits
Personal deposits
Deposit (average balance)
Deposits

Difference(A) – (B)

March 31, 2023
(B)

403,489

67,629335,860

403,489

67,629335,860

403,489

67,629335,860

414,608

199,243

215,365414,608

199,243

215,365(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)March 31, 2024(A)

Difference(A) – (B)

March 31, 2023
(B)

5,947,386

253,779

5,693,607

5,876,386

192,279

5,684,107

Personal deposits

3,403,402

46,4893,356,913

Corporate deposits

2,083,389

86,775

1,996,614

389,59359,013

330,579

Deposits (year-end balance)
Deposits

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

23

71,00061,5009,500

5,863,119

529,328

5,333,791

5,849,727

526,097

5,323,630

13,392

3,231

10,160(iv) Deposits and loan balances by region(1) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)
Deposits

March 31, 2023
(B)

Difference(A) – (B)5,472,896

124,649

5,348,246

Tokyo Metropolis

4,263,822

82,316

4,181,506

Kanagawa Prefecture

1,121,471

39,293

1,082,178

87,602

3,040

84,562

4,833,110

97,711

4,735,398

OthersLoans

4,204,443

103,413

4,101,030

Kanagawa Prefecture

Tokyo Metropolis

566,595(7,091)

573,686

Others62,0701,388

60,681(2) UI Bank Co., Ltd. [Non-consolidated](Millions of yen)March 31, 2024
(A)
Deposits

March 31, 2023
(B)

Difference(A) – (B)403,489

67,629335,860

185,680

30,623155,056

Kanagawa Prefecture

79,04815,141

63,907

Others*138,761

21,864

116,896

289

287

1

Tokyo Metropolis

Loans
Tokyo Metropolis

39

39

0

Kanagawa Prefecture

27

27

－

Others*

222

221

1

(Note) UI Bank started handling consumer loans in March 2023.
Loans to Kiraboshi Bank, Ltd. are not included in the above table.

* Distribution in other regions(Millions of yen)March 31, 2024
(A)

March 31, 2023
(B)

Difference(A) – (B)

Deposits

138,761

21,864

116,896

Kanto

58,685

8,523

50,162

Kansai26,3104,341

21,968Tokai

16,554

1,979

14,575

Others37,2107,019

30,190

222

221

1

Kanto

48

48

－

Kansai

55

54

0

Loans

Tokai

23

23

－

Others

95

94

1

24

(3) Kiraboshi Bank, Ltd. and UI Bank Co., Ltd. combined(Millions of yen)March 31, 2024
(A)
Deposits

March 31, 2023
(B)

Difference(A) – (B)5,876,386

192,279

5,684,107

Tokyo Metropolis

4,449,502

112,940

4,336,562

Kanagawa Prefecture

1,200,519

54,434

1,146,085

226,363

24,904201,459

4,833,399

97,9994,735,400

Others
Loans
Tokyo Metropolis

4,204,483

103,452

4,101,030

Kanagawa Prefecture

566,623(7,063)

573,686

Others62,293

1,610

60,683(Note) UI Bank started handling consumer 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, 2024
(A)
Assets under management

March 31, 2023
(B)

Difference(A) – (B)423,349

22,825400,523

Investment trust

154,453

17,672

136,780

Life insurance

252,033

14,572

237,460

Public bonds

16,861(9,420)26,282(2) Kiraboshi Life Design Securities Co., Ltd.
(Millions of yen)March 31, 2024
(A)
Assets under management284,497

Investment trust
Public bonds
OthersMarch 31, 2023
(B)

Difference(A) – (B)

202,827

264,009

81,67075,444

188,564

57

(80)

137

20,431

6,305

14,125(3) Kiraboshi Bank, Ltd. and Kiraboshi Life Design Securities Co., Ltd. combined(Millions of yen)March 31, 2024
(A)
Assets under management

707,846

Difference(A) – (B)

March 31, 2023
(B)
603,351

Investment trust

418,463

104,495
93,117

Life insurance

252,033

14,572

237,460

Public bonds

16,918(9,500)26,419Others

20,431

6,305

14,125

25

325,345

(vi) Status of branches and employees
Kiraboshi Bank, Ltd. [Non-consolidated](Branches, persons)March 31, 2024
(A)
Domestic head office and branch offices (including
representative offices)

March 31, 2023
(B)

Difference(A) – (B)

164

(2)

166

Tokyo Metropolis

119

(5)

124

Kanagawa Prefecture

41

3

38

Others

4

－

4

2,224

(99)

2,323

Number of executives and employees
Number of executives

10

1

9

Number of employees

2,214

(100)

2,314

(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, 2024
(A)
Construction costcredit trust
Real estate
management trust

Other

Total

March 31, 2023
(B)

Difference(A) – (B)

Value of transactions
handled36,5532,207

34,345

Fiscal year-end balance

27,022

6,090

20,932

Value of transactions
handled

9,076(27,860)

36,936

Fiscal year-end balance

95,767

6,050

89,716

Value of transactions
handled

148

125

23

Fiscal year-end balance

3,053

233

2,820

Value of transactions
handled

45,778(25,526)

71,305

Fiscal year-end balance

125,843

12,374

113,46926

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, 2023
(B)

March 31, 2024
(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(1,449)

(189)

40

1,489

(1,260)－1,260

Other securities(3,065)

7,595

29,71032,775(10,660)

18,982

29,643

Stocks

20,585

9,863

20,751

165

10,721

11,903

1,181

Bonds

(14,364)(5,643)769

15,133(8,720)

468

9,189

Others(9,286)

3,375

8,188

17,475(12,661)

6,610

19,272(4,514)

7,406

29,75034,265(11,921)

18,98230,903Total(2) Kiraboshi Bank, Ltd. [Non-consolidated](Millions of yen)March 31, 2023
(B)

March 31, 2024
(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(1,465)

(216)

－

1,465

(1,249)－

1,249

Other securities(2,268)

6,968

29,94732,216(9,236)

20,04729,284

Stocks19,956

9,763

20,114

157

10,192

11,527

1,334

Bonds

(14,038)(5,748)915

14,953(8,289)

776

9,066

Others(8,187)

2,952

8,917

17,105(11,140)

7,743

18,883(3,733)

6,752

29,94733,681(10,485)

20,04730,533Total

27