Financial Statements
For the Third Quarter Ended Dec. 31,2012

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.

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

THE JOYO BANK, LTD.

１ ． Consolidated Balance sheets
A s of M ar.
31,2012A ssets
C ash and due from banks
C all 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
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
Liabilities
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
Foreign 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 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
Subscription rights to shares
M inority interests
Total net assets
Total liabilities and net assets1(M illion s of yen )A s of D ec.
31,2012385,528
3,385
33,714
3,776
2,458,416
4,952,771
1,757
28,49455,05892,957
8,247
13,892
18,293△ 50,706△ 311
8,005,275

325,741865
29,6732,628
2,600,155
5,058,612
3,049
30,37960,991
93,2138,717
7,797
17,297△ 49,931△ 35
8,189,157

7,257,856
19,852
17,561
38,888192
99,309238
15,00016
68,211
46
5,224
26
1,711
137
10
1,740
1
12,0502,291
18,2937,558,660

7,328,728
9,452
39,491
77,330
182
118,662175
15,0002296,646―
5,307
291,634
141
101,6881
12,016
2,172
17,297
7,725,991

85,11358,574
275,598△ 24,913
394,371
40,214△ 2,705
12,452
49,961812,201
446,615
8,005,275

85,11358,574
283,105△ 23,287
403,505
47,456△ 2,722
12,41957,153
110
2,396
463,165
8,189,157

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.31,2011Ordinary income
116,322
115,065Interest income
77,32375,058Interest on loans and discounts
57,781
54,901
Interest and dividends on securities
18,564
19,349Trust fees
29
28
Fees and commissions
16,551
17,795
Trading income
404
651
Other ordinary income
5,979
5,405
Other income
16,033
16,127
Ordinary expenses
90,691
85,960Interest expenses
4,794
4,041
Interest on deposits
3,347
2,675
Fees and commissions payments
5,309
5,235
Other ordinary expenses
117543General and administrative expenses
54,22553,977
Other expenses
26,24322,162
Ordinary profit
25,63029,105Extraordinary income―
5Gain on disposal of noncurrent assets―
5Extraordinary loss
998
568
Loss on disposal of noncurrent assets
257
375
Impairment loss
740
192
Transfer to reserve for financial products transaction liabilities
0―
Income before income taxes and minority interests
24,63228,542
Income taxes-current
5,318
7,397
Income taxes-deferred
5,667
1,950
Total income taxes
10,986
9,348
Income before minority interests
13,64519,193
Minority interests in income
241
196
Net income
13,40418,997(Consolidated Statements of Comprehensive Income)(Millions of yen)

For the nine
For the ninemonths ended months ended
Dec.31,2011
Dec.31,2012
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 toComprehensive income attributable to owners of the parent
Comprehensive income attributable to minority interests
213,645△6,554△7,795
△489
1,730
7,091

19,193
7,226
7,243△17―26,419

6,850
240

26,222
197