Financial Statements
For the Third Quarter Ended Dec 31,2008

THE JOYO BANK, LTD.

THE JOYO BANK, LTD.

Table of Contents

CONSOLIDATED FINANCIAL INFORMATION
１． 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.
CONSOLIDATED FINANCIAL INFORMATION

１． Consolidated balance sheets(Millions of yen)
As of Dec.
31,2008

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Money held in trust
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 repayment for prescribed deposits
Provision for frequent users services
Provision for losses on interest repayment
Provision for other contingent losses
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 valuation and translation adjustments
Minority interests
Total net assets
Total liabilities and net assets

1

As of Mar.
31,2008

149,130
9,304
59,22529,996
13,3442,084,262
4,963,932
850
31,991
121,638
96,151
7,372
49,67729,365△36,167△48
7,610,027

136,252
3,885
65,725
26,0633,281
2,301,379
4,635,216
1,037―
69,531
122,929
10,50019,33028,363△38,879△487,384,570

6,499,107
81,519269,205
114,603322
101,888160
15,0003
85,486
4,234
707
1,179
124
8
1,921
0
14,023
2,805
29,365
7,221,665

6,340,119
45,411
162,682
166,230
203
71,445303
15,00017
98,483
4,173
650
1,223
160
8
1,093
―
14,061
2,923
28,363
6,952,553

85,11358,574
252,750△24,435
372,001
6,453△2,156
10,76315,061
1,298
388,361
7,610,027

85,11358,574
255,255△21,671377,271
43,833△1,13010,81953,521
1,222
432,016
7,384,570

THE JOYO BANK, LTD.

２．Consolidated statements of income(Millions of yen)
For the nine months
ended Dec.31.2008

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
Gain on disposal of noncurrent assets
Recoveries of written-off claims
OtherExtraordinary loss
Loss on disposal of noncurrent assets
Impairment loss
Transfer to reserve for financial products transaction liabilities
Other
Income before income taxes and minority interests
Income taxes-current
Income taxes-deferred
Total income taxes
Minority interests in income
Net income

2

150,890
100,430
72,91825,99820
17,721460
2,496
29,760149,737
21,231
13,175
5,109
36,851
56,65329,891
1,153
1,979
1
1,952
25
1,207
404
23
0778
1,925
3,083
△5,034△1,95179
3,797