Tokyo TY Financial Group, Inc.
(The Tokyo Tomin 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: Yousuke Kido, General Manager, Corporate Planning Division
The Tokyo Tomin Bank, Ltd.
Telephone: +81-3-3582-8251
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
income(¥ million)
First half of the fiscal year ending March 31, 2015(%)

(Percentages represent year-on-year changes.)
Ordinary
Net income
profit(%)(%)(¥ million)(¥ million)

23,638

2.1

4,857

76.0

3,228

49.6

23,143(5.5)

2,759 165.0

2,157

74.3

First half of the fiscal year ended March 31, 2014
(Note)
Comprehensive income:First half of the fiscal year ending March 31, 2015: ¥5,363 million 93.6%
First half of the fiscal year ended March 31, 2014: ¥2,769 million — %Net income
per share (¥)

Diluted net income
per share (¥)

First half of the fiscal year ending March 31, 2015

83.20

83.20

First half of the fiscal year ended March 31, 2014

55.65

55.54

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

2,598,925

Net assets(¥ million)
85,915

Net assets tototal assets ratio(%)
3.2

2,539,381
81,073
3.2
March 31, 2014
(Reference) Equity: September 30, 2014: ¥85,617 million March 31, 2014: ¥80,746 million(Note) “Equity” consists of stock purchase warrants at the end of the period and 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. Notethat 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

–

0.00

–

20.00

20.00

Fiscal year ending March 31, 2015

–

10.00

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)

45,000
(1.5)
6,400
7.4
4,000
Full-year(Note) Changes to the forecast of consolidated operating performance most recently announced: None(%)
(19.2)(¥)

102.99* 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

38,835,787 shares

March 31, 2014

40,050,527 shares

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

September 30, 2014
March 31, 2014c.

1,271,021 shares

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

38,806,102 sharesFirst-half period ended September 30, 2013

38,775,657 shares

(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

22,736

0.6

3,913

75.5

2,559

39.6

First half of the fiscal year ended March 31, 2014

22,578

(6.2)

2,229

273.6

1,832

89.0

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

65.91

First half of the fiscal year ended March 31, 2014

47.23

(2) Non-consolidated financial position

September 30, 2014

Total assets(¥ million)

Net assets(¥ million)

Net assets tototal assets ratio(%)

2,600,151

85,051

3.2

2,541,812
81,645
3.2
March 31, 2014
(Reference) Equity: September 30, 2014: ¥85,051 million March 31, 2014: ¥81,566 million(Note) “Equity” consists of stock purchase warrants 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. 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

44,000Ordinary profit

(%)
(1.0)

(¥ million)

5,500

Net income
per share

Net income

(%)
15.7

(¥ million)

3,500

(%)
(17.1)(¥)
90.12* 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 thecurrent 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 avariety 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
Statements ········································································································

2(4) Status of Important Business Contracts ······································································

2

2. Matters Regarding Summary Information (Notes)(1) Changes in Significant Subsidiaries During the Consolidated Period Under Review ·····················(2)

3

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

3

3. Consolidated Interim Financial Statements(1) Consolidated Interim Balance Sheets ········································································

4(2) Consolidated Interim Statements of Income and Consolidated Interim Statements ofComprehensive Income
Consolidated Interim Statements of Income ······························································

6

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

7(3) Consolidated Interim Statements of Changes in Net Assets ··············································

8-9(4) Notes on Consolidated Interim Financial Statements ······················································

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

10(Significant subsequent events) ·············································································

10

4. Non-consolidated Interim Financial Statements(1) Non-consolidated Interim Balance Sheets ···································································

11(2) Non-consolidated Interim Statements of Income ···························································

13(3) Non-consolidated Interim Statements of Changes in Net Assets ········································· 14 - 15(4) Notes on Consolidated Interim Financial Statements ······················································

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

16(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 at the Japanese economy during the six-month period under review (April 1, 2014 toSeptember 30, 2014), while there was some weakness in individual consumption and corporate
production as a result of factors including the rebound from the last-minute rise in demand before theincrease in the consumption tax rate, a gradual recovery trend continued, underpinned by factors such as
improvements in the employment and wage environment and corporate earnings.
In Tokyo, where the Group has its main operational base, a basic trend of gradual recovery continued
for SME (small and medium-sized enterprises) business confidence due to expectations toward economic
recovery as a result of factors such as an increase in foreign tourists underpinned by developments
including the decision for the 2020 Olympics to be held in Tokyo, and despite concerns toward increases
in energy prices and supply prices for raw materials, merchandise, and other items.
With that as a backdrop, for the consolidated operating results for the six-month period ended
September 30, 2014, ordinary income increased by ¥0.495 billion year on year to ¥23.638 billion as aresult of an increase in interest income, fees and commissions, and other ordinary income, and despite adecrease in other operating income.
Meanwhile, ordinary expenses decreased ¥1,604 million year on year to ¥18,780 million as a result of
decreases in interest expenses, general and administrative expenses, and other ordinary expenses,
outweighing an increase in fees and commission payments.
As a result, ordinary profit increased ¥2,098 million year on year to ¥4,857 million. Net income
increased ¥1,071 million year on year to ¥3,228 million.
(2) Financial Position
With respect to the consolidated financial position for the first half of the fiscal year ending March 31,
2015, total assets amounted to ¥2,598.9 billion, up ¥59.5 billion over the end of the previous fiscal year.
Net assets stood at ¥85.9 billion, a ¥4.8 billion increase from the end of the previous fiscal year.
With respect to the major account balances, deposits increased by ¥17.2 billion from the end of theprevious consolidated fiscal year to ¥2,378.8 billion. While loans and bills discounted amounted to¥1,783.0 billion, representing ¥48.5 billion less than at the end of the previous fiscal year, securities
amounted to ¥561.6 billion, a ¥47.7 billion increase from the end of the previous fiscal year.
(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 sharetransfer) by the Bank and The Yachiyo Bank, Limited and the preparation of a Share Transfer
Plan)
On May 2, 2014, the respective board of directors of the Bank and The Yachiyo Bank, Limited(“Yachiyo Bank,” the Bank and Yachiyo Bank collectively referred to as the “Banks”) resolved that the
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 the condition that the share transfer is approved at the general shareholders meeting of the respective
banks and approvals and authorizations are obtained from the relevant authorities. In addition, the banks
executed the Business 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 was established on October 1, 2014.

2

(Acquisition of fixed assets)
At the meeting of the board of directors held on February 20, 2014, the Bank resolved to acquire thefixed assets as follows on the condition of the relocation of the head office, and an agreement to that
effect was concluded on the same day. In terms of the Land Sales and Purchase Agreement, aMemorandum was concluded on September 30, 2014 for the purpose of reviewing the period for paymentof the land payment and making an advance acquisition, and a partial land payment of ¥9.0 billion wasmade on the same day.
1. Reason for the acquisition
By moving from the current head office that was constructed in 1966 to a new head office befitting the
Bank based in the Tokyo Metropolitan area, the Bank aims to establish a system that enables it to provide
even better financial services and contribute more to society.
2. Overview of the acquisition of fixed assets
Location: 3-176, Minamiaoyama, Minato-ku, Tokyo, Japan
Total site area: 1,916.79 square meters
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;“the Accounting 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 estimatedretirement 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 determinedbased on a single-year bond yield corresponding to the average remaining years of service of employees
to a method in which it is determined based on multiple bond yields 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 been recorded under retained earnings at the beginning of the six-month period under review.
As a result, net defined benefit assets have increased by ¥405 million and retained earnings haveincreased by ¥260 million at the beginning of the six-month period under review. Note that this change
has not caused a material impact on ordinary profit or income before income taxes and minority interests
for the six-month period under review.

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

As of September 30, 2014

Cash and due from banks

133,151

194,496

Call loans and bills bought

22,29011,715

Monetary claims bought

192

127

AssetsTrading account securities
Securities
Loans and bills discounted

45

32

513,868

561,639

1,831,648

1,783,089

Foreign exchanges

4,750

5,456

Other assets

15,752

24,217

Tangible fixed assets

14,93914,788Intangible fixed assets

2,344

2,047

Net defined benefit asset

2,570

4,746

Deferred tax assets

14,591

12,247

Customers’ liabilities for acceptances and guarantees

4,234

4,035

Allowance for loan losses(20,998)(19,715)

Total assets

2,539,381

2,598,925

2,361,589

2,378,861

28,20732,922-

34,106

Borrowed money

12,426

9,442

Foreign exchanges

118

164

Bonds payable

30,60030,600

Other liabilities

19,20921,065

Provision for bonuses

1,175

1,140

7

7

Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions

Net defined benefit liability
Provision for director’s retirement benefits

127

107

Provision for point card certificates

26

30

Provision for loss on interest repayments

55Provision for loss on dormant deposit repayments

164

175

Provision for contingent loss

369

296

Deferred tax liabilities

28

30

Deferred tax liabilities for land revaluation

16

16

4,234

4,035

2,458,307

2,513,009

Acceptances and guarantees
Total liabilities4(¥ million)
As of March 31, 2014

As of September 30, 2014

Capital stock

48,12048,120Capital surplus

18,37918,379Retained earnings

19,031

20,165

Treasury shares(1,636)-

Total shareholders’ equity

83,894

86,666

Valuation difference on available-for-sale securities

1,707

3,139

Revaluation reserve for land

(211)

(211)

Net Assets

Foreign currency translation adjustment

10

13

Remeasurements of defined benefit plans(4,655)(3,989)Total of other accumulated comprehensive income(3,148)(1,048)Subscription rights to shares

79-

Minority interests

248

298

Total net assets
Total liabilities and net assets

5

81,07385,9152,539,381

2,598,925

(2) Consolidated Interim Statements of Income and Consolidated Interim Statements ofComprehensive Income
Consolidated Interim Statements of Income(¥ million)
First half of the fiscal year
ended March 31, 2014

First half of the fiscal year
ending March 31, 2015

Ordinary income

23,14323,638Interest income

16,096

16,174

Interest on loans and bills discounted

14,14813,554

Interest on and dividends from securities

1,751

2,427

Fees and commissions

4,620

5,087

Other operating income

1,100

983

Other ordinary income

1,326

1,392

Ordinary expenses

20,384

18,780Interest expenses

1,247

1,131

730

591

Fees and commissions payments

938

968

Other operating expenses

14

14

General and administrative expenses

16,475

15,669Other ordinary expenses

1,708

996

2,759

4,857

Interest on deposits

Ordinary profit
Extraordinary income--

Extraordinary losses

73

52

73

52

Loss on disposal of fixed assets
Income before income taxes and minority interests

2,685

4,805

Income tax – current

186

484

Income tax – deferred

322

1,058

Total income taxes

509

1,542

2,176

3,262

Income before minority interests
Minority interests in net income
Net income

6

18

34

2,157

3,228

Consolidated Interim Statements of Comprehensive Income(¥ million)
First half of the fiscal year
ended March 31, 2014

First half of the fiscal year
ending March 31, 2015

Income before minority interests

2,176

3,262

Other comprehensive income

592

2,100

535

1,423

Valuation difference on available-for-sale securities

2

2

-

665

55

8

2,769

5,363

Comprehensive income attributable to owners of the parent

2,751

5,328

Comprehensive income attributable to minority interests

17

34

Foreign currency translation adjustment
Remeasurements of redefined benefit plans
Share of other comprehensive income of entities accounted for using
equity method
Total comprehensive income(Breakdown)7(3) Consolidated Interim Statements of Changes in Net Assets(First half of the fiscal year ended March 31, 2014)(¥ million)
Shareholders’ equity
Capitalstock
Balance at
beginning of theyear
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during
the reporting
periodTotal of changesof items during
the reporting
periodBalance at end of
periodCapitalsurplus48,120Retainedearnings

18,379Total
shareholders’equityTreasuryshares

14,666(1,649)79,517

(582)

(582)

2,157

2,157
(2)

(2)

(5)

15

10

-

-

1,570

13

1,583

48,12018,37916,236(1,636)

81,101Other accumulated comprehensive income

Balance at
beginning of theyear
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during
the reporting
periodTotal of changesof items during
the reporting
periodBalance at end of
periodValuationdifference
on availablefor-salesecurities

Revaluation
reserve for
land

1,225

(211)

Foreigncurrencytranslation
adjustment

Total
Remeasurements accumulated
otherof definedcomprehensive
benefit plans

Subscription
rights tosharesMinority
interests

Total net
assetsincome

6

-

1,020

53

214

80,805

(582)
2,157
(2)
10

590

-

2

-

593

8

17

618

590

-

2

-

593

8

17

2,202

1,816

(211)

8

-

1,613

61

231

83,0078

(First half of the fiscal year ending March 31, 2015)(¥ million)
Shareholders’ equity
Capitalstock
Balance at
beginning of theyear
Cumulative effectof changes inaccounting policies
Balance reflectingchanges inaccounting policies
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during
the reporting
periodTotal of changesof items during
the reporting
periodBalance at end of
periodCapitalsurplus48,120Retainedearnings

18,379Total
shareholders’equityTreasuryshares19,031(1,636)

83,894

260

48,12018,379260

19,291(1,636)

84,155

(776)

(776)

3,228

3,228
(1)

(1)

(6)

67

60

(1,571)

1,571

-

-

-

874

1,636

2,511

48,12018,37920,165-86,666

Other accumulated comprehensive income

Balance at
beginning of theyear
Cumulative effectof changes inaccounting policies
Balance reflectingchanges inaccounting policies
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during
the reporting
periodTotal of changesof items during
the reporting
periodBalance at end of
periodValuationdifference
on availablefor-salesecurities

Revaluation
reserve for
land

1,707

(211)

Foreigncurrencytranslation
adjustment

Total
Remeasurements accumulated
otherof definedcomprehensive
benefit plans

Subscription
rights tosharesMinority
interests

Total net
assetsincome10(4,655)(3,148)79

248

81,073

260

1,707

(211)

10

(4,655)(3,148)79

248

81,334

(776)
3,228
(1)
60
-

1,431

-

2

665

2,099

(79)

49

2,070

1,431

-

2

665

2,099

(79)

49

4,581

3,139

(211)

13

(3,989)(1,048)-298

85,9159

(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 Yachiyo 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.

10

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

As of September 30, 2014

Cash and due from banks

133,105

194,447

Call loans

22,29011,715

192

127

AssetsMonetary claims bought
Trading account securities
Securities
Loans and bills discounted

45

32

513,166

560,465

1,831,521

1,782,939

Foreign exchanges

4,750

5,456

Other assets

13,781

22,301Other assets

13,781

22,301

Tangible fixed assets

14,86814,729Intangible fixed assets

2,133

1,870

Prepaid pension cost

9,803

10,945

Deferred tax assets

11,6699,719

Customers’ liabilities for acceptances and guarantees

4,234

4,035

Allowance for loan losses(19,749)(18,634)

Total assets

2,541,812

2,600,151

2,368,778

2,386,191

28,20732,922-

34,106

12,226

9,242

Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions
Borrowed money
Foreign exchanges

118

164

Bonds payable

30,60030,600

Other liabilities

14,247

16,201

Income taxes payable

146

310

Lease obligations

488

406

Asset retirement obligations

202

201

Other liabilities

13,40915,283

Provision for bonuses

1,101

1,066

100

78

Provision for director’s retirement benefits
Provision for point card certificates2

2

Provision for loss on dormant deposit repayments

164

175

Provision for contingent loss

369

296

Deferred tax liabilities for land revaluation

16

16

4,234

4,035

2,460,167

2,515,100

Acceptances and guarantees
Total liabilities11(¥ million)
As of March 31, 2014

As of September 30, 2014

Capital stock

48,12048,120Capital surplus

18,08318,083

Legal capital surplus

18,08318,083

Other capital surplus--

15,641

16,103

Net Assets

Retained earnings
Legal retained earnings

2,922

3,077

Other retained earnings

12,71913,026

General reserve

6,400

6,400

Retained earnings brought forward

6,319

6,626

Treasury shares(1,602)-

Total shareholders’ equity

80,24382,307

Valuation difference on available-for-sale securities

1,534

2,955

Revaluation reserve for land

(211)

(211)

Total valuation and translation adjustments

1,323

2,743

79

-

81,64585,051

2,541,812

2,600,151

Subscription rights to shares
Total net assets
Total liabilities and net assets

12(2) Non-consolidated Interim Statements of Income(¥ million)
First half of the fiscal year
ended March 31, 2014

First half of the fiscal year
ending March 31, 2015

Ordinary income

22,57822,736

Interest income

16,092

15,905Interest on loans and bills discounted

14,131

13,518Interest and dividends on securities

1,767

2,195

Fees and commissions

4,137

4,578

Other operating income

1,101

982

Other ordinary income

1,247

1,269

Ordinary expenses

20,34918,823

Interest expenses

1,243

1,128

730

592

1,425

1,429

14

14

General and administrative expenses

16,04615,164

Other ordinary expenses

1,619

1,084

Ordinary profit

2,229

3,913

Interest on deposits
Fees and commissions payment
Other operating expenses

Extraordinary income--

Extraordinary losses

73

51

Loss on disposal of fixed assets

73

51

2,155

3,861

Income taxes – current

9271

Income taxes – deferred

313

1,031

Total income taxes

323

1,302

1,832

2,559

Income before income taxes

Net income13(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
Capitalstock

Balance at
beginning of theyear
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during thereporting period
Total of changesof items during thereporting period
Balance at end of
period48,120Legal capitalsurplus

Other capitalsurplus

Total capitalsurplus18,083-18,083

2,805

6,400

116

48,120Treasuryshares(1,614)

Total
retainedearnings

2,800

12,006

(698)

(582)

1,832

1,832

(5)

(5)

-

-

-

116

-

1,129

1,245

18,083-18,083

2,922

6,400

3,929

13,251

Valuation and translation adjustments
Total
Valuation
valuation
Revaluationdifferenceandreserve foron availabletranslation
land
for-saleadjustments
securities

Subscription
rights tosharesShareholders’ equity

Balance at
beginning of theyear
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during
the reporting
periodTotal of changesof items during
the reporting
periodBalance at end of
periodLegalretainedearnings

Retained earnings
Other retained earnings
Retained
Generalearnings
reservebrought
forwardTotal
shareholders’equity76,595

1,104

(211)

892

53

Total net
assets77,541

(582)

(582)

1,832

1,832

(2)

(2)

(2)

14

9

9

537

-

537

8

545

12

1,258

537

-

537

8

1,803

(1,601)

77,854

1,641

(211)

1,429

61

79,34514

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

Balance at
beginning of theyear
Cumulative effectof changes inaccounting policies
Balance reflectingchanges inaccounting policies
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during thereporting period
Total of changesof items during thereporting period
Balance at end of
periodLegalretainedearnings

Total
retainedearnings

Legal capitalsurplus

Other capitalsurplus

Total capitalsurplus48,12018,083-18,083

2,922

6,400

6,319

15,641

-

-

-

-

-

-

260

260

48,12018,083-18,083

2,922

6,400

6,580

15,902

(931)

(776)

2,559

2,559

(9)

(9)

(1,571)(1,571)

155--

48,12018,083

Shareholders’ equity
Total
shareholders’ equity

TreasurysharesBalance at
beginning of theyear
Cumulative effectof changes inaccounting policies
Balance reflectingchanges inaccounting policies
Changes of items
during thereporting period
Dividends ofsurplus
Net income
Purchase oftreasury shares
Disposal oftreasury shares
Cancellation oftreasury shares
Net changes of
items other thanshareholder’sequity during
the reporting
periodTotal of changesof items during
the reporting
periodBalance at end of
periodRetained earnings
Other retained earnings
Retained
Generalearnings
reservebrought
forward

-

-

155

-

45

201

18,083

3,077

6,400

6,626

16,103

Valuation and translation adjustments
Total
Valuation
valuation
Revaluationdifferenceandreserve foron availabletranslation
land
for-saleadjustments
securities

Subscription
rights toshares-Total net
assets(1,602)80,243

1,534

(211)

1,323

79

81,645

-

260

-

-

-

-

260

(1,602)80,504

1,534

(211)

1,323

79

81,906

(776)

(776)

2,559

2,559

(1)

(1)

(1)

32

22

22

1,571

-

-

1,420

-

1,420

(79)

1,341

1,602

1,803

1,420

-

1,420

(79)

3,144

-

82,307

2,955

(211)

2,743

-

85,05115

(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 Yachiyo 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.

16