Financial Statements
For the Year Ended March.31,2013

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 andConsolidated Statements of Comprehensive Income････････････････

３

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

５

４． Consolidated Statements of Cash Flows･･･････････････････････････

７

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

９

２． Non-Consolidated Statements of Income･･････････････････････････ １１
３． Non-Consolidated Statements of Changes in Net Assets････････････ １３(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 Mar.31,2012 As of Mar.31,2013
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
Buildings, net
Land
Lease assets, net
Construction in progress
Other tangible fixed assets
Intangible fixed assets
Software
Other 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 benefits
Provision 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
Deferred tax liabilities for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities- 1 -385,528
3,385
33,714
3,776
2,458,416
4,952,771
1,757
28,49455,05892,95731,59455,695
―
555
5,112
8,247
3,726
4,521
13,892
18,293△50,706△311
8,005,275

318,396
1,829
27,3362,719
2,651,398
5,108,316
1,844
30,90655,41093,83931,682
55,721
3
711
5,721
8,958
4,691
4,266
2,801
15,731△51,420△35
8,268,033

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

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

THE JOYO BANK, LTD.

(Millions of yen)

As of Mar.31,2012 As of Mar.31,2013
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 accumulated other comprehensive income
Subscription rights to shares
Minority interests
Total net assets
Total liabilities and net assets- 2 -85,11358,574
275,598△24,913394,371
40,214△2,705
12,452
49,961812,201
446,615
8,005,275

85,11358,574
286,893△23,299407,28187,047△2,651
12,35996,754120
2,493
506,649
8,268,033

THE JOYO BANK, LTD.

２．Consolidated Statements of Income andComprehensive Income

Consolidated Statements of(Consolidated Statements of Income)(Millions of yen)

For FY2011
For FY2012
ended
ended
Mar.31,2012
Mar.31,2013
Ordinary income
153,673
150,451
Interest income
101,813
98,070Interest on loans and discounts
76,62472,655Interest and dividends on securities
23,927
24,420Interest on call loans and bills bought
156
130Interest on deposits with banks705
484
Other interest income
399
379
Trust fees
30
37
Fees and commissions
22,14423,912
Trading income
594
1,089
Other ordinary income
6,713
5,956
Other income
22,377
21,385
Recoveries of written off claims
2,498
2,455
Other
19,87818,930Ordinary expenses
119,851
114,497
Interest expenses
6,204
5,227
Interest on deposits
4,301
3,348
Interest on negotiable certificates of deposit
86Interest on call money and bills sold35
91
Interest on payables under securities lending transactions
51
207
Interest on borrowings and rediscounts
400
209Interest on bonds
152
253
Other interest expenses
1,253
1,109
Fees and commissions payments
7,089
7,011
Other ordinary expenses
1,215
973
General and administrative expenses
72,08071,176
Other expenses
33,261
30,108Provision of allowance for loan losses
6,198
6,620
Other
27,062
23,488
Ordinary profit
33,82235,953Extraordinary income
1716Gain on disposal of noncurrent assets
―
16
Other
17
―
Extraordinary loss
1,254
945
Loss on disposal of noncurrent assets
391
636
Impairment loss
860
308
Transfer to reserve for financial products transaction liabilities
0
―
Other
2
―
Income before income taxes and minority interests
32,58535,024
Income taxes-current
5,276
10,861
Income taxes-deferred
8,832
1,143
Total income taxes
14,10912,005
Income before minority interests
18,47623,018
Minority interests in income
341
291
Net income
18,13422,726- 3 -THE JOYO BANK, LTD.

(Consolidated Statements of Comprehensive Income)(Millions of yen)

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 to owners of the parent
Comprehensive income attributable to minority interests- 4 -For FY2012
For FY2011
ended
ended
Mar.31,2013
Mar.31,2012
18,47623,018
11,41446,88810,084
46,834
△401
53
1,730
―
29,891
69,90629,54969,612341
294

THE JOYO BANK, LTD.

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

For FY2011
ended
Mar.31,2012
Shareholders' equity
Capital stock
Balance at the beginning of current 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 beginning of current period
Changes of items during the period
Total changes of items during the period
Balance at the end of current period
Retained earnings
Balance at the beginning of current period
Changes of items during the period
Dividends from surplus
Net income
Disposal of treasury stock
Retirement 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 beginning of current period
Changes of items during the period
Purchase of treasury stock
Disposal of treasury stock
Retirement of treasury stock
Total changes of items during the period
Balance at the end of current period
Total shareholders' equity
Balance at the beginning of current period
Changes of items during the period
Dividends from surplus
Net income
Purchase of treasury stock
Disposal of treasury stock
Retirement of treasury stockReversal of revaluation reserve for land
Total changes of items during the period
Balance at the end of current period
Accumulated other comprehensive income
Valuation difference on available-for-sale securities
Balance at the beginning of current 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- 5 -For FY2012
ended
Mar.31,2013

85,113

85,113―
85,113―
85,11358,57458,574―58,574―58,574266,435

275,598△6,134
18,134△20△3,073
256
9,163
275,598△6,06922,726△5△5,45093
11,295286,893△25,858△24,913△2,191
61
3,073
944△24,913△3,854
18
5,450
1,614
△23,299384,264

394,371△6,134
18,134△2,19141―
256
10,107394,371△6,06922,726△3,85413―
93
12,909407,281

30,12940,214

10,085
10,08540,214

46,832
46,83287,047

THE JOYO BANK, LTD.

(Millions of yen)

For FY2011
ended
Mar.31,2012
Deferred gains or losses on hedges
Balance at the beginning of current 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 beginning of current 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 accumulated other comprehensive income
Balance at the beginning of current 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 beginning of current 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 beginning of current 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 beginning of current 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- 6 -For FY2012
ended
Mar.31,2013△2,304△2,705△401△401△2,70553
53△2,651

10,97812,452

1,473
1,473
12,452△93△93
12,35938,80349,961

11,157
11,15749,961

46,793
46,79396,754

69

81

11
11
81

39
39
120

1,859

2,201

341
341
2,201

291
291
2,493

424,997446,615△6,134
18,134△2,19141
256
11,51021,618446,615△6,06922,726△3,85413
93
47,12460,033506,649

THE JOYO BANK, LTD.

４．Consolidated Statements of Cash Flows(Millions of yen)

For FY2011
ended
Mar.31,2012
Net cash provided by (used in) operating activities
Income before income taxes and minority interests
Depreciation and amortization
Impairment loss
Amortization of negative goodwill
Increase (decrease) in allowance for loan losses
Increase (decrease) in allowance for investment loss
Increase (decrease) in provision for directors' retirement benefits
Increase (decrease) in provision for reimbursement of deposits
Increase (decrease) in provision for point card certificates
Increase (decrease) in provision for contingent loss
Increase (decrease) in provision for loss on interest repayment
Increase (decrease) in provision for directors' bonuses
Increase (decrease) in provision for retirement benefits
Gain on fund management
Financing expenses
Loss (gain) related to securities
Foreign exchange losses (gains)
Loss (gain) on disposal of noncurrent assets
Net decrease (increase) in trading assets
Net increase (decrease) in trading liabilities
Decrease (increase) in lease investment assets
Net decrease (increase) in loans and bills discounted
Net increase (decrease) in deposit
Net increase (decrease) in negotiable certificates of deposit
Net increase (decrease) in borrowed money(excluding subordinated borrowings)
Net decrease (increase) in deposit (excluding cash equivalent)
Net decrease (increase) in call loans
Net increase (decrease) in call money
Net increase (decrease) in payables under securities
lending transactions
Net decrease (increase) in foreign exchanges-assets
Net increase (decrease) in foreign exchanges-liabilities
Net increase (decrease) in borrowed money from trust accountProceeds from fund management
Payments for finance
Other, net
Subtotal
Income taxes paid
Net cash provided by (used in) operating activities- 7 -For FY2012
ended
Mar.31,2013

32,585
6,290
860
△158
△131
8
0
129
8
△143
1
46
59
△107,432
6,204
4,915
2,135
391
3,898
△90
26
△182,874
452,900
7,982

35,024
5,334
308
△158
713
△275
7
137
△7
△221
△4
3
40
△104,699
5,227
4,314
△27,468
620
1,056
△31
△2,412△155,545
86,606△4,39260,721
△679
655
3,925

20,936
3,729
7,933
20,90425,556
6,058
△177
△2
107,002△8,040155422,788△7,369415,419

52,394△8627
9104,557△6,9691,732
49,349△5,37043,978

THE JOYO BANK, LTD.

(Millions of yen)

For FY2011
ended
Mar.31,2012
Net cash provided by (used in) investing activities
Purchase of securities
Proceeds from sales of securities
Proceeds from redemption of securities
Purchase of tangible fixed assets
Proceeds from sales of tangible fixed assets
Purchase of intangible fixed assets
Net cash provided by (used in) investing activities
Net cash provided by (used in) financing activities
Issuance of subordinated bonds
Increase in subordinated borrowings
Decrease in subordinated borrowings
Cash dividends paid
Cash dividends paid to minority shareholders
Purchase of treasury stock
Proceeds from sales of treasury stock
Net cash provided by (used in) financing activities
Effect of exchange rate change on cash and cash equivalents
Net increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period- 8 -For FY2012
ended
Mar.31,2013△878,412
334,599
280,759△3,81481△2,330△269,118△712,034
319,994
302,033△5,486186△2,188△97,494

10,000
5,400△20,000△6,134△0△2,191
41△12,884△4
133,411
239,686
373,098―――△6,069△2△3,854
13△9,912
25△63,402373,098
309,695

THE JOYO BANK, LTD.

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

As of Mar.31,2012 As of Mar.31,2013
AssetsCash and due from banks
Cash
Due from banks
Call loans
Monetary claims bought
Trading assets
Trading account securities
Derivatives of trading securities
Trading-related financial derivatives
Securities
Government bonds
Local government bonds
Corporate bonds
StocksOther securities
Loans and bills discounted
Bills discounted
Loans on bills
Loans on deeds
Overdrafts
Foreign exchanges
Due from foreign banks (our accounts)
Foreign bills bought
Foreign bills receivable
Other assets
Domestic exchange settlement account, debit
Prepaid expenses
Accrued income
Initial margins of futures markets
Derivatives other than for trading-assets
Cash collateral paid for financial instruments
Other
Tangible fixed assets
Buildings, net
Land
Lease assets, net
Construction in progress
Other tangible fixed assets
Intangible fixed assets
SoftwareLease assets
Other intangible fixed assets
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Allowance for investment loss
Total assets- 9 -385,492
59,979325,513
3,385
33,714
3,776
3,361
0
413
2,452,292
1,388,946
298,469
387,344
172,231205,300
4,982,564
26,974
356,587
4,026,806
572,195
1,757
1,190
142
424
42,077
187
1,456
8,591
160
3,107
―
28,57484,933
28,83650,273
2,198
555
3,070
8,494
3,559
832
4,103
9,526
18,293△43,970△311
7,982,027

318,319
57,669260,649
1,829
27,336
2,719
2,320
―
399
2,644,104
1,402,278
301,379
408,445
203,759
328,241
5,139,973
25,989333,344
4,216,270
564,369
1,844
1,320
22
501
38,858
158
1,183
8,790
160
2,283
4,312
21,96986,224
29,11050,358
2,845
711
3,199
9,027
4,456
555
4,014
―
15,731△45,118△35
8,240,814

THE JOYO BANK, LTD.
(M illions of yen)

As of Mar.31,2012 As of Mar.31,2013
Liabilities
Deposits
Current deposits
Ordinary deposits
Saving deposits
Deposits at notice
Tim e deposits
Other deposits
Negotiable certificates of deposit
Call money
Payables under securities lending transactions
Trading liabilities
Trading-related financial derivatives
Borrowed money
Borrowings from other banks
Foreign exchanges
Foreign bills sold
Foreign bills payable
Bonds payable
Borrowed money from trust account
Other liabilities
Domestic exchange settlement account, credit
Income taxes payable
Accrued expenses
Unearned revenue
Deposits received from em ployees
Variation margins of futures markets
Derivatives other than for trading-liabilities
Lease obligations
Other
Provision for directors' bonuses
Provision for retirement benefits
Provision for reim bursement of deposits
Provision for point card certificates
Provision for contingent loss
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities
Net assets
Capital stock
Capital surplus
Legal capital surplus
Retained earnings
Legal retained earnings
Other retained earnings
Reserve for advanced depreciation of noncurrent assets
Reserve for special account for advanced depreciation of
noncurrent assets
General 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- 10 -

7,266,636
158,142
4,097,194
47,51518,981
2,833,052
111,749
20,952
17,561
38,888
192
192
96,01096,010238
192
45
15,00016
51,237
24
1,694
9,793
1,931
1,493
0
7,570
3,035
25,693
46
4,754
1,711
99
1,740
―
11,053
18,2937,544,431

7,355,391
157,636
4,200,174
47,01624,4922,820,605
105,465
16,55938,466
91,283160
160
115,340
115,340265
226
39
15,00026
61,712
115
7,320
8,095
1,883
1,531
―
8,704
3,406
30,655
49
4,766
1,849
95
1,519
16,614
10,976
15,731
7,745,810

85,11358,57458,574
271,650
55,317
216,332
252

85,11358,57458,574
280,396
55,317225,079364

50
198,432
17,598△ 25,881
389,455
40,141△ 2,705
10,62348,05881
437,596
7,982,027―
202,432
22,282△ 24,066
400,017
86,988△ 2,651
10,52994,866120
495,0048,240,814

THE JOYO BANK, LTD.

２ ． Non-Consolidated Statements of Income(M illion s of yen )For FY2011
For FY2012
ended
ended
M ar.31,2012
M ar.31,2013
O rdinary incom e134,938
131,163Interest incom e
101,940
98,209Interest on loans and discounts
76,73372,781
Interest and dividends on securities
23,904
24,391
Interest on call loans
156
130Interest on deposits w ith banks705
484
O ther interest incom e
440
421
Trust fees
30
37
Fees and com m issions
19,23321,011Fees and com m issions on dom estic and foreign exchanges
6,422
6,367
O ther fees and com m issions
12,811
14,644
Trading incom e302
283
G ains on trading account securities transactions
183
151
Incom e from trading-related financial derivatives transaction s
117
131
O ther trading incom e
1―
O ther ordinary incom e
6,694
5,956
G ains on foreign exchange transactions
806
710
G ains on sales of bonds
5,434
4,672
G ains on redem ption of bonds
60
265
Incom e from derivatives other than for trading or hedging
356
2 63
O ther36
45
O ther incom e
6,736
5,664
R ecoveries of w ritten off claim s
2,270
2,102
G ain on sales of stocks and other securities
1,943
1,178
O ther2,522
2,383
O rdinary expenses
104,959
99,437
Interest expenses
6,146
5,180
Interest on deposits
4,304
3,350
Interest on negotiable certificates of deposit
97Interest on call m oney
35
91
Interest on payables under securities lending transactions
51
2 07
Interest on borrow ings and rediscounts
400
209Interest on bonds
152
253
Interest on interest sw aps
1,165
1,016
O ther interest expenses
26
43
Fees and com m issions paym ents
7,908
7,848
Fees and com m issions on dom estic and foreign exchanges
1,251
1,240
O ther fees and com m issions
6,657
6,608
O ther ordinary expenses
1,215
973
Loss on sales of bonds
991
489
Loss on devaluation of bonds
223
483
G eneral and adm inistrative expenses
71,51070,425
O ther expenses
18,17915,008P rovision of allow ance for loan losses
6,183
6,857
P rovision for contingent loss98―
P rovision of allow ance for investm ent loss
8―
P rovision for reim bursem ent of deposits
365
409
P rovision for point card certificates
80
75
W ritten-off of loans
4,689
3,810
Losses on sales of stocks and other securities
2,022
1,705
Losses on devaluation of stocks and other securities
1,622
939
O ther
3,110
1,208
O rdinary profit
29,97931,726- 11 -

THE JOYO BANK, LTD.
(Millions of yen)

For FY2011
ended
Mar.31,2012
Extraordinary income
Gain on disposal of noncurrent assets
Extraordinary loss
Loss on disposal of noncurrent assets
Impairment loss
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income

―
―
735
345
389
29,2434,131
8,317
12,448
16,795- 12 -For FY2012
ended
Mar.31,2013
16
16
850
622
228
30,8919,468
1,044
10,513
20,378

THE JOYO BANK, LTD.

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

For FY2011
ended
Mar.31,2012
Shareholders' equity
Capital stock
Balance at the beginning of current 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 beginning of current 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 beginning of current 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 beginning of current period
Changes of items during the period
Total changes of items during the period
Balance at the end of current period
Other retained earnings
Reserve for advanced depreciation of noncurrent assets
Balance at the beginning of current period
Changes of items during the period
Provision of reserve for advanced depreciation of
noncurrent assets
Reversal of reserve for advanced depreciation of
noncurrent assets
Total changes of items during the period
Balance at the end of current period
Reserve for special account for advanced depreciation of
noncurrent assets
Balance at the beginning of current period
Changes of items during the period
Provision of reserve for special account foradvanced depreciation of noncurrent assets
Reversal of reserve for special account foradvanced depreciation of noncurrent assets
Total changes of items during the period
Balance at the end of current period
General reserve
Balance at the beginning of current 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- 13 -For FY2012
ended
Mar.31,2013

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

256

252

―

116

△3
△3
252

△3
112
364

―

50

50

―

―
50
50

△50
△50
―

194,432

198,432

4,000
4,000
198,432

4,000
4,000
202,432

THE JOYO BANK, LTD.
(M illio n s o f y e n )F o r F Y 20 11
e nd edM ar.31 ,2 01 2
R etaine d e arn ings bro ught fo rw ard
B alanc e at the be ginn in g o f cu rrent p erio d
C han ges o f ite m s du rin g th e pe riod
D ivide nd s fro m surp lus
N e t inco m e
P ro visio n o f reserve for advan ce d de pre ciatio n of
no nc urren t asse ts
R e versal o f rese rve fo r advanc ed dep rec iatio n o f
no nc urren t asse ts
P ro visio n o f reserve for spec ial ac co unt fo radvanc ed dep rec iatio n o f no nc urren t asse ts
R e versal o f rese rve fo r sp ecial acco u nt fo radvanc ed dep rec iatio n o f no nc urren t asse ts
P ro visio n o f ge ne ral re se rve
D ispo sal o f tre asu ry sto ck
R e tire m ent o f treasury sto ck
R e versal o f revaluation rese rve fo r lan d
T o tal c han ge s o f ite m s du rin g th e pe riod
B alanc e at the en d o f curre nt p eriod
T otal retaine d e arnings
B alanc e at the beginnin g o f curre nt p eriod
C hanges of item s du rin g the pe rio d
D ivide nd s fro m surp lu s
N e t in co m e
P rovisio n o f reserve fo r advan ce d de pre ciatio n o f
no nc urren t assets
R eve rsal o f re se rve fo r ad vanc ed d ep rec iatio n o f
no nc urren t assets
P rovisio n o f reserve fo r sp ec ial acc o unt fo radvanc ed dep rec iatio n o f no nc urren t assets
R eve rsal o f re se rve fo r spe cial acco un t foradvanc ed dep rec iatio n o f no nc urren t assets
P rovisio n o f ge ne ral re serve
D ispo sal o f tre asu ry sto ck
R etire m e nt o f treasury sto ck
R eve rsal o f re valu atio n re se rve fo r lan d
T o tal c han ges of item s du rin g th e pe rio d
B alanc e at the end of c urre nt pe rio d
T reasu ry sto ck
B alance at the b egin ning o f c urre nt pe riod
C hanges of item s durin g the pe rio d
P urch ase of tre asury stoc k
D ispo sal of tre asury stoc k
R etirem e nt o f treasu ry sto ck
T o tal c hanges of item s durin g the pe rio d
B alance at the e nd of c urren t pe rio d
T o tal sh areho lde rs' eq uity
B alance at the b egin ning o f c urre nt pe riod
C hanges of item s durin g the pe rio d
D ivide nds from surp lu s
N e t in co m e
P urch ase of tre asury stoc k
D ispo sal of tre asury stoc k
R etirem e nt o f treasu ry sto ck
R eve rsal of re valu atio n re se rve for land
T o tal c hanges of item s durin g the pe rio d
B alance at the e nd of c urren t pe rio d- 14 -

F o r F Y 201 2
e nd edM ar.31 ,2 01 3

1 3,94 8

1 7,59 8△ 6,13 4
1 6,79 5△ 6,06 9
2 0,37 8―△ 11 6

3

3

△ 50

―

―
△ 4,00 0△ 22△ 3,19 725 6
3,65 0
1 7,59 850△ 4,00 0△5△ 5,64 993
4,68 4
2 2,28 2

26 3,95 3

27 1,65 0△ 6,13 4
1 6,79 5△ 6,06 9
2 0,37 8

―

―

―

―

―

―

―
―
△ 22
△ 3,19 7
25 6
7,69 6
27 1,65 0――△5△ 5,64 993
8,74 6
28 0,39 6△ 2 6,95 2△ 2 5,88 1△ 2,19 1
64
3,19 7
1,07 1△ 2 5,88 1△ 3,85 4
19
5,64 91,81 4△ 2 4,06 6

38 0,68 8

38 9,45 5△ 6,13 4
1 6,79 5△ 2,19 141―
25 6
8,76 7
38 9,45 5△ 6,06 9
2 0,37 8△ 3,85 413―93
1 0,56 1
40 0,01 7

THE JOYO BANK, LTD.
(Millions of yen)

For FY2011
ended
Mar.31,2012
Valuation and translation adjustments
Valuation difference on available-for-sale securities
Balance at the beginning of current 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 beginning of current 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 beginning of current 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 beginning of current 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 beginning of current 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 beginning of current 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- 15 -For FY2012
ended
Mar.31,2013

30,07040,141

10,07010,07040,141

46,847
46,847
86,988△2,304△2,705△401△401△2,70553
53△2,651

9,291

10,623

1,331
1,331
10,623△93△93
10,52937,05848,05811,00011,00048,05846,80746,807
94,866

69

81

11
11
81

39
39
120

417,816

437,596△6,134
16,795△2,19141
256
11,012
19,779437,596△6,06920,378△3,85413
93
46,846
57,408495,004