Financial Statements
For the Six Months Ended Sep.30,2010

THE JOYO BANK, LTD

THE JOYO BANK, LTD.

Table of Contents

A．CONSOLIDATED FINANCIAL INFORMATION
１． Consolidated Balance Sheets･････････････････････････････････････

１

２． Consolidated Statements of Income･･･････････････････････････････

３

３． Consolidated Statements of Changes in Net Assets･････････････････

４

B．NON-CONSOLIDATED FINANCIAL INFORMATION
１． Non-Consolidated Balance Sheets････････････････････････････････

６

２． Non-Consolidated Statements of Income･･････････････････････････

８

３． Non- Consolidated Statements of Changes in Net Assets････････････

９(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.

A．CONSOLIDATED FINANCIAL INFORMATION
１．Consolidated Balance Sheets(Millions of yen)

As of Sep.
30,2010
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 directors' bonuses
Provision for retirement benefitsProvision 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-1-

167,136381
41,3102,954
2,187,724
4,765,408
1,618
29,00160,614
95,4658,230
22,26323,023△41,660△35
7,363,437

As ofMar.31,2010
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

6,663,298
6,664,706
30,64020,90062,423―}8,040
26,034384
371
52,600
119,490
264
625
5,000
15,00018
1861,75493,531―}
37
5,072
4,840
19
22
1,417
1,458
129
102
7
7
1,969
1,991
0
0
13,964
13,9842,528
2,607
23,02322,875
6,932,556
6,988,606

THE JOYO BANK, LTD.

(Millions of yen)

As of Sep. As of30,2010
Mar.31,2010
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 valuation and translation adjustments
Subscription rights to shares
Minority interests
Total net assets
Total liabilities and net assets-2-

85,11358,574
270,086△26,844386,928
34,031△2,833
10,972
42,16942
1,741
430,881
7,363,437

85,11358,574
261,752△26,845
378,594
38,805△1,93811,00047,86821
1,617
428,101
7,416,708

THE JOYO BANK, LTD.

２．Consolidated Statements of Income(Millions of yen)

For the six For the sixmonths
monthsendedended
Sep.30,2009 Sep.30,2010
Ordinary income
81,18879,123
Interest income
58,82154,070Interest on loans and discounts
45,96841,933
Interest and dividends on securities
12,153
11,649Trust fees
912
Fees and commissions
11,326
11,345
Trading income
275
334
Other ordinary income
667
4,218
Other income
10,087
9,142
Ordinary expenses
71,576
62,143
Interest expenses
6,705
4,409
Interest on deposits
5,164
3,397
Fees and commissions payments
3,384
3,495
Other ordinary expenses
3,233
1,008
General and administrative expenses
37,55636,892Other expenses
20,696
16,338
Ordinary profit
9,612
16,979Extraordinary income
1,032
1,024
Gain on disposal of noncurrent assets―
0Recoveries of written-off claims
1,032
1,024
Extraordinary loss
225
437
Loss on disposal of noncurrent assets
200
207
Impairment loss
24
70
Transfer to reserve for financial products transaction liabilities
00
Other―
159
Income before income taxes and minority interests
10,41917,565
Income taxes-current
648
3,014
Refund of income taxes△88―
Income taxes-deferred
2,333
3,025
Total income taxes
2,893
6,039
Income before minority interests
11,526
Minority interests in income
106
125
Net income
7,419
11,400-3-THE JOYO BANK, LTD.

３．Consolidated Statements of Changes in Net Assets(Millions of yen)

For the six For the six
monthsmonthsended
ended
Sep.30,2009 Sep.30,2010
Shareholders' equity
Capital stock
Balance at the end of previous period
Changes of items during the period
Total changes of items during the period
Balance at the end of current period
Capital surplus
Balance at the end of previous period
Changes of items during the periodTotal changes of items during the period
Balance at the end of current period
Retained earnings
Balance at the end of previous period
Changes of items during the period
Dividends from surplus
Net income
Disposal of treasury stockReversal of revaluation reserve for land
Total changes of items during the period
Balance at the end of current period
Treasury stock
Balance at the end of previous period
Changes of items during the period
Purchase of treasury stock
Disposal of treasury stock
Total changes of items during the period
Balance at the end of current period
Total shareholders' equity
Balance at the end of previous period
Changes of items during the period
Dividends from surplus
Net income
Purchase of treasury stock
Disposal of treasury stockReversal of revaluation reserve for land
Total changes of items during the period
Balance at the end of current period
Valuation and translation adjustments
Valuation difference on available-for-sale securities
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period-4-85,113

85,113―
85,113―
85,11358,57458,574―58,574―58,574254,154261,752△3,091
7,419
△2
15
4,340
258,495△3,091
11,400△428
8,333
270,086△26,804△26,845△4010△30△26,834△10
11
0△26,844

371,036

378,594△3,091
7,419
△408
15
4,310
375,347△3,091
11,400
△10
7
28
8,333
386,928△6,39738,80540,04340,04333,646△4,774△4,77434,031

THE JOYO BANK, LTD.

(Millions of yen)

For the six For the sixmonths
monthsended
ended
Sep.30,2009 Sep.30,2010
Deferred gains or losses on hedges
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Revaluation reserve for land
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Total valuation and translation adjustments
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Subscription rights to shares
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Minority interests
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Total net assets
Balance at the end of previous period
Changes of items during the period
Dividends from surplus
Net income
Purchase of treasury stock
Disposal of treasury stockReversal of revaluation reserve for land
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period-5-△1,868△1,938104
104△1,763△895△895△2,833

10,73911,000△15△1510,724△28△2810,972

2,474

47,86840,13240,13242,607△5,698△5,69842,169―215552020
42

1,369

1,617

108
108
1,478

123
123
1,741

374,881428,101△3,091
7,419△4081540,246
44,557419,438△3,091
11,400△10728△5,553
2,779
430,881THE JOYO BANK, LTD.

B．NON-CONSOLIDATED FINANCIAL INFORMATION
１．Non-Consolidated Balance Sheets(Millions of yen)

As of Sep. As of30,2010
Mar.31,2010
AssetsCash and due from banks
Call loans
Monetary claims bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assetsDeferred 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
Payables under securities lending transactions
Trading liabilities
Borrowed money
Foreign exchanges
Bonds payable
Borrowed money from trust account
Other liabilities
Income taxes payable
Lease obligations
Other
Provision for directors' bonuses
Provision for retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for contingent loss
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities-6-

167,046381
41,3102,954
2,190,589
4,796,800
1,618
49,271
86,226
8,371
17,30523,023△35,306△35
7,349,558

173,157
22,91546,0093,766
2,156,889
4,839,087
2,708
59,455
86,138
7,562
16,97322,875△33,150△35
7,404,353

6,677,614
34,74062,4238,040
384
47,000264
5,000
18
45,9982,328
2,683
40,986
―
4,640
1,417
79
1,969
12,82423,023
6,925,439

6,681,175
24,500―26,034371113,700
625
15,00018
77,005540
2,648
73,816
37
4,436
1,458
80
1,991
12,84422,875
6,982,156

THE JOYO BANK, LTD.

(Millions of yen)

As of Sep. As of30,2010
Mar.31,2010
Net assets
Capital stock
Capital surplus
Legal capital surplus
Retained earnings
Legal retained earnings
Other retained earnings
Reserve for advanced depreciation of noncurrent
assetsGeneral reserve
Retained earnings brought forward
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 adjustments
Subscription rights to shares
Total net assets
Total liabilities and net assets-7-85,113
58,57458,574
268,065
55,317
212,748

85,11358,57458,574
260,483
55,317205,166

252
194,432
18,063△28,072
383,679
33,945△2,833
9,285
40,39742424,118
7,349,558

254
190,432
14,479△28,073
376,096
38,703△1,9389,313
46,07921
422,197
7,404,353

THE JOYO BANK, LTD.

２．Non-Consolidated Statements of Income(Millions of yen)

For the six For the sixmonths
monthsended
ended
Sep.30,2009 Sep.30,2010
71,461
69,45458,924
54,132
46,07942,005
12,147
11,642
9
12
9,878
9,787
187
145
665
4,214
1,795
1,161
62,24853,730
6,672
4,375
5,182
3,405
3,779
3,903
3,233
1,008
37,202
36,561
11,3607,881
9,212
15,724
900
836
209
433
9,903
16,127
50
2,234
△88―
2,789
3,243
2,750
5,477
7,152
10,649Ordinary 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
Extraordinary loss
Income before income taxes
Income taxes-current
Refund of income taxes
Income taxes-deferred
Total income taxes
Net income-8-

THE JOYO BANK, LTD.

３．Non-Consolidated Statements of Changes in Net Assets(Millions of yen)

For the six For the six
monthsmonthsended
ended
Sep.30,2009 Sep.30,2010
Shareholders' equity
Capital stock
Balance at the end of previous period
Changes of items during the period
Total changes of items during the period
Balance at the end of current period
Capital surplus
Legal capital surplus
Balance at the end of previous period
Changes of items during the period
Total changes of items during the period
Balance at the end of current period
Total capital surplus
Balance at the end of previous period
Changes of items during the period
Total changes of items during the period
Balance at the end of current period
Retained earnings
Legal retained earnings
Balance at the end of previous period
Changes of items during the periodTotal changes of items during the period
Balance at the end of current period
Other retained earnings
Reserve for advanced depreciation of noncurrent
assetsBalance at the end of previous period
Changes of items during the period
Provision of reserve for advanced depreciation ofnoncurrent assets
Reversal of reserve for advanced depreciation ofnoncurrent assets
Total changes of items during the period
Balance at the end of current period
General reserve
Balance at the end of previous period
Changes of items during the period
Provision of general reserve
Total changes of items during the period
Balance at the end of current period-9-85,113

85,113―
85,113―
85,11358,57458,574―58,574―58,57458,57458,574―58,574―58,57455,31755,317―55,317―55,317

254

254

―

―

△1
△1252

△1
△1252

188,432

190,432

2,000
2,000
190,432

4,000
4,000
194,432

THE JOYO BANK, LTD.

(Millions of yen)

For the six For the six
monthsmonthsended
ended
Sep.30,2009 Sep.30,2010
Retained earnings brought forward
Balance at the end of previous period
Changes of items during the period
Dividends from surplus
Net income
Provision of reserve for advanced depreciation ofnoncurrent assets
Reversal of reserve for advanced depreciation ofnoncurrent assets
Provision of general reserve
Disposal of treasury stockReversal of revaluation reserve for land
Total changes of items during the period
Balance at the end of current period
Total retained earnings
Balance at the end of previous period
Changes of items during the period
Dividends from surplus
Net income
Provision of reserve for advanced depreciation ofnoncurrent assets
Reversal of reserve for advanced depreciation of
noncurrent assets
Provision of general reserve
Disposal of treasury stockReversal of revaluation reserve for land
Total changes of items during the period
Balance at the end of current period
Treasury stock
Balance at the end of previous period
Changes of items during the period
Purchase of treasury stock
Disposal of treasury stock
Total changes of items during the period
Balance at the end of current period
Total shareholders' equity
Balance at the end of previous period
Changes of items during the period
Dividends from surplus
Net income
Purchase of treasury stock
Disposal of treasury stockReversal of revaluation reserve for land
Total changes of items during the period
Balance at the end of current period- 10 -

9,936

14,479△3,091
7,152△3,091
10,649――1△2,000△215
2,075
12,012

1△4,000△428
3,584
18,063

253,940

260,483△3,091
7,152△3,091
10,649

―

―

―
―
△215
4,073
258,014

―
―
△428
7,582
268,065△28,032△28,073△40
10△30△28,063△10110△28,072

369,595

376,096△3,091
7,152△408154,043
373,638△3,091
10,649△10728
7,583
383,679

THE JOYO BANK, LTD.

(Millions of yen)

For the six For the sixmonths
monthsended
ended
Sep.30,2009 Sep.30,2010
Valuation and translation adjustments
Valuation difference on available-for-sale securities
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Deferred gains or losses on hedges
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Revaluation reserve for land
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Total valuation and translation adjustments
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Subscription rights to shares
Balance at the end of previous period
Changes of items during the period
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period
Total net assets
Balance at the end of previous period
Changes of items during the period
Dividends from surplus
Net income
Purchase of treasury stock
Disposal of treasury stockReversal of revaluation reserve for land
Net changes of items other than shareholders' equity
Total changes of items during the period
Balance at the end of current period- 11 -△6,50038,70340,03240,03233,531△4,758△4,75833,945△1,868△1,938104
104△1,763△895△895△2,833

9,052

9,313

△15
△15
9,037

△28
△28
9,285

684

46,07940,121
40,12140,805△5,682△5,68240,397

―

21

55520
20
42

370,279

422,197△3,091
7,152
△40
815
40,12644,170414,450△3,091
10,649△10
7
28△5,661
1,921
424,118