Financial Statements
For the First Quarter Ended June 30,2010

THE JOYO BANK, LTD.

THE JOYO BANK, LTD.

Table of Contents

CONSOLIDATED FINANCIAL INFORMATION
１． Comparison of consolidated balance sheets････････････････････････

１

２． Consolidated statements of 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.

THE JOYO BANK, LTD.
C O N SO LID A TE D FIN A N C IA L IN FO R M A TIO N

１． C om parison of consolidated balance sheets

AssetsCash and due from banks
Call loans and bills bought
M onetary claim s bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Lease receivables and investm ent assets
O ther assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Custom ers' liabilities for acceptances and guarantees
Allowance for loan losses
Allowance for investm ent loss
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Payables under securities lending transactions
Trading liabilities
Borrowed m oney
Foreign exchanges
Bonds payable
Borrowed m oney from trust accountO ther liabilities
Provision for directors' bonuses
Provision for retirem ent benefits
Provision for directors' retirem ent benefits
Provision for reim bursem ent of deposits
Provision for point card certificates
Provision for loss on interest repaym ent
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 stockCapital 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 valuation and translation adjustm ents
Subscription rights to shares
M inority interests
Total net assets
Total liabilities and net assets
1

A s of Jun.
30,2010(M illions of yen)A s of M ar.
31,2010286,123
5,252
43,7603,328
2,079,580
4,784,646
1,468
28,771
82,63895,371
8,141
22,41423,760△ 39,827△ 35
7,425,395

173,240
22,91546,0093,766
2,151,554
4,808,134
2,708
29,00570,59595,961
7,476
21,702
22,875△ 39,201△ 35
7,416,708

6,789,526
30,150―380
54,445113
5,000
670,022
―
4,933
16
1,440
107
7
1,944
0
13,9782,567
23,7606,998,402

6,664,706
20,90026,034371
119,490625
15,00018
93,531
37
4,840
22
1,458
102
7
1,991
0
13,984
2,607
22,875
6,988,606

85,11358,574
266,724△ 26,847
383,564
33,222△ 2,490
10,992
41,724
29
1,674
426,992
7,425,395

85,11358,574
261,752△ 26,845
378,594
38,805△ 1,938
11,00047,86821
1,617
428,101
7,416,708

THE JOYO BANK, LTD.

２． Consolidated statements of income(Millions of yen)
1QFY2009(3 months)

Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Trust fees
Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses
Interest on deposits
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary profit
Extraordinary income
Recoveries of written-off claims
Extraordinary loss
Loss on disposal of noncurrent assets
Impairment loss
Transfer to reserve for financial products transaction liabilities
Income before income taxes and minority interests
Income taxes-current
Income taxes-deferred
Total income taxes
Income before minority interests
Minority interests in income (loss)
Net income

241,77830,163
22,972
6,834
9
5,939
136
300
5,228
38,429
3,491
2,663
1,650
3,075
19,452
10,760
3,349
320
320
159
135
24
0
3,509
206
85
291
△133,231

1QFY2010(3 months)

42,54127,763
20,891
6,628
11
5,873
162
3,710
5,020
31,094
2,373
1,839
1,698
397
18,8397,785
11,447
445
445
57
23
34
0
11,834
395
3,325
3,721
8,113
57
8,056