Financial Statements
For the Third Quarter Ended Dec. 31,2013

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.

THE JOYO BANK, LTD.
C O N S O L ID A T E D F IN A N C IA L IN F O R M A T IO N

１ ． C ons oli dat ed Bala nce sh eet sA s of M ar.
3 1,201 3A ssets
C ash and due from banks
C all loans and bills bought
M onetary claim s bought
Trading assets
S ecurities
Loans and bills discounted
F oreign exchanges
Lease receivables and investm ent assets
O ther assets
Tangible fixed assets
Intangible fixed assets
D eferred tax assets
C ustom ers' liabilities for acceptances and guarantees
A llow ance for loan losses
A llow ance for investm ent loss
Total assets
L iabilities
D eposits
N egotiable certificates of deposit
C all m oney and bills soldP ayables under securities lending transactions
Trading liabilities
B orrow ed m oney
F oreign exchanges
B onds payable
B orrow ed m oney from trust accountO ther liabilities
P rovision for directors' bonuses
P rovision for retirem ent benefits
P rovision for directors' retirem ent benefits
P rovision for reim bursem ent of deposits
P rovision for point card certificatesP rovision for loss on interest repaym ent
P rovision for contingent loss
R eserves under the special law s
D eferred tax liabilities
D eferred tax liabilities for land revaluation
N egative goodw ill
A cceptances and guarantees
Total liabilities
N et assets
C apital stock
C apital surplus
R etained earnings
Treasury stock
Total shareholders' equity
V aluation difference on available-for-sale securities
D eferred gains or losses on hedges
R evaluation reserve for land
Total accum ulated other com prehensive incom e
S ubscription rights to shares
M inority interests
Total net assets
T otal liabilities and net assets1(M illio n s of y en )A s of D ec.
31,20 13318,396
1,829
27,3362,719
2,651,398
5,108,316
1,844
30,90655,41093,8398,958
2,801
15,731△ 51,420△ 35
8,268,033

396,302
9,436
19,2093,125
2,728,019
5,281,677
2,871
33,746
63,054
95,234
10,4992,675
16,120△ 48,867△ 35
8,613,070

7,344,463
15,45938,466
91,283
160
120,245265
15,00026
82,157
49
5,265
33
1,849
130
6
1,519
115,162
11,974
2,133
15,731
7,761,383

7,545,197
5,764
46,029127,500
121
214,043568
15,0008
71,130
―
4,962
35
1,781
145
6
1,621
1
21,281
11,926
2,014
16,1208,085,260

85,11358,574
286,893△ 23,299
407,28187,047△ 2,651
12,35996,754120
2,493
506,649
8,268,033

85,11358,574
298,044△ 21,039
420,692
94,163△ 2,134
12,272
104,301
101
2,715
527,810
8,613,070

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.31,2012
Dec.31,2013
Ordinary income
115,065
123,907
Interest income
75,05872,368Interest on loans and discounts
54,901
52,401
Interest and dividends on securities
19,34919,398Trust fees
28
25
Fees and commissions
17,795
18,312
Trading income
651
1,136
Other ordinary income
5,405
7,483
Other income
16,127
24,581
Ordinary expenses
85,96088,798Interest expenses
4,041
3,596
Interest on deposits
2,675
1,987
Fees and commissions payments
5,235
5,310
Other ordinary expenses
543
5,142
General and administrative expenses
53,97755,077
Other expenses
22,162
19,671
Ordinary profit
29,10535,108Extraordinary income
54
Gain on disposal of noncurrent assets
54
Extraordinary loss
568
307
Loss on disposal of noncurrent assets
375
174
Impairment loss
192
133
Transfer to reserve for financial products transaction liabilities―
0
Income before income taxes and minority interests
28,54234,805
Income taxes-current
7,397
9,927
Income taxes-deferred
1,950
1,987
Total income taxes
9,348
11,914
Income before minority interests
19,19322,890Minority interests in income
196
222
Net income
18,997
22,668(Consolidated Statements of Comprehensive Income)(Millions of yen)

For the nine
For the ninemonths ended months ended
Dec.31,2012
Dec.31,2013
Income before minority interests
Other comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Comprehensive income
Comprehensive income attributable toComprehensive income attributable to owners of the parent
Comprehensive income attributable to minority interests

219,1937,226
7,243△1726,419

22,890
7,635
7,118
516
30,526

26,222
197

30,301224