Financial Statements
For the Third Quarter Ended Dec. 31,2011

THE JOYO BANK, LTD.

THE JOYO BANK, LTD.

Table of Contents

CONSOLIDATED FINANCIAL INFORMATION
１．Consolidated Balance sheets････････････････････････････････････････１
２．Consolidated Statements of Income andConsolidated Statements of Comprehensive Income･･･････････････････２(Note)
Information presented herein has been extracted from the original material, solely forthe convenience of the readers outside Japan.
The amounts presented herein have not been audited.

CO N SO LID ATED FIN AN CIAL IN FO RM ATIO N

THE JOYO BANK, LTD.

１ ． Consolidated Balance sheets
As of Mar.
31,2011

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Lease receivables and investment assets
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Allowance for investment loss
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Trading liabilities
Borrowed money
Foreign exchanges
Bonds payable
Borrowed money from trust account
Other liabilities
Provision for retirement benefits
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for loss on interest repayment
Provision for contingent loss
Reserves under the special laws
Deferred tax liabilities for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities
Net assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Total shareholders' equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for land
Total accumulated other comprehensive income
Subscription rights to shares
Minority interests
Total net assets
Total liabilities and net assets
1(M illions of yen)
As of Dec.
31,2011

251,437―
37,755
7,675
2,187,773
4,769,896
7,816
28,52048,64894,455
8,237
25,857
21,373△ 50,838△ 303
7,438,307

370,983
4,341
34,496
3,174
2,383,360
4,870,556
1,452
28,08658,99792,486
7,97426,856
19,570△ 50,637△ 311
7,851,388

6,804,955
11,87013,636
13,332282
53,188415
5,000
1964,035
5,165
25
1,582
129
9
1,883
1
13,9552,449
21,373
7,013,309

7,175,659
2,220
2,791
23,813
221
106,471272
5,000
465,935
5,330
22
1,539
154
9
1,942
1
12,1142,330
19,5707,425,406

85,11358,574266,435△ 25,858
384,264
30,129△ 2,304
10,97838,803
69
1,859
424,9977,438,307

85,11358,574
273,830△ 25,811
391,706
22,334△ 2,793
12,564
32,104702,099425,981
7,851,388

THE JOYO BANK, LTD.

２．Consolidated Statements of Income andComprehensive Income

Consolidated Statements of(Millions of yen)(Consolidated Statements of Income)For the nine
For the ninemonths ended months ended
Dec.31,2010
Dec.31,2011
Ordinary income
118,402116,322
Interest income
81,326
77,323
Interest on loans and discounts
62,48857,781
Interest and dividends on securities
18,113
18,564
Trust fees
29
29
Fees and commissions
16,892
16,551
Trading income
493
404
Other ordinary income
6,280
5,979
Other income
13,37916,033
Ordinary expenses
93,516
90,691
Interest expenses
6,258
4,794
Interest on deposits
4,743
3,347
Fees and commissions payments
5,220
5,309
Other ordinary expenses
1,064
117
General and administrative expenses
54,81554,225
Other expenses
26,15826,243
Ordinary profit
24,88525,630Extraordinary income
1,875―
Gain on disposal of noncurrent assets
0―
Recoveries of written-off claims
1,875―
Extraordinary loss
473
998
Loss on disposal of noncurrent assets
250
257
Impairment loss
68740
Transfer to reserve for financial products transaction liabilities
00
Other
154
―
Income before income taxes and minority interests
26,287
24,632
Income taxes-current
6,565
5,318
Income taxes-deferred
2,889
5,667
Total income taxes
9,454
10,986
Income before minority interests
16,833
13,645
Minority interests in income
189241
Net income
16,643
13,404(Consolidated Statements of Comprehensive Income)(Millions of yen)

For the nine
For the ninemonths ended months ended
Dec.31,2011
Dec.31,2010
Income before minority interests
Other comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for land
Comprehensive income
Comprehensive income attributable to owners of the parent
Comprehensive income attributable to minority interests

216,833△5,812△5,285△526―
11,02010,828192

13,645△6,554△7,795
△489
1,730
7,091
6,850240