Financial Statements
For the Year Ended March.31,2012

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.

- 2 -THE JOYO BANK, LTD.

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

As of Mar.31,2011 As of Mar.31,2012
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
Land
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 for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities- 1 -251,437―
37,755
7,675
2,187,773
4,769,896
7,816
28,52048,64894,45532,13356,875
321
5,125
8,237
4,254
3,982
25,857
21,373△50,838△303
7,438,307

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

6,804,955
11,87013,636
13,332282
53,188415
5,000
1964,035
―
5,165
25
1,582
129
9
1,883
1
13,9552,449
21,373
7,013,309

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

THE JOYO BANK, LTD.
(Millions of yen)

As of Mar.31,2011 As of Mar.31,2012
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 -85,11358,574266,435△25,858
384,264
30,129△2,304
10,97838,803
69
1,859
424,9977,438,307

85,11358,574
275,598△24,913394,371
40,214△2,705
12,452
49,961812,201
446,615
8,005,275

THE JOYO BANK, LTD.

２ ． Consolidated Statements of Income andComprehensive Income

Consolidated Statements of(C onsolidated Statem ents of Incom e)(M illions of yen)O rdinary incom e
Interest incom e
Interest on loans and discounts
Interest and dividends on securities
Interest on call loans and bills boughtInterest on deposits w ith banks
O ther interest incom e
Trust fees
Fees and com m issions
Trading incom e
O ther ordinary incom e
O ther incom e
R ecoveries of w ritten off claim s
O therO rdinary expenses
Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit
Interest on call m oney and bills soldInterest on payables under securities lendingtransactions
Interest on borrow ings and rediscounts
Interest on bonds
O ther interest expenses
Fees and com m issions paym ents
O ther ordinary expenses
G eneral and adm inistrative expenses
O ther expenses
Provision of allow ance for loan losses
O therO rdinary profit
Extraordinary incom e
G ain on disposal of noncurrent assets
Recoveries of w ritten-off claim s
O therExtraordinary loss
Loss on disposal of noncurrent assets
Im pairm ent loss
Transfer to reserve for financial products transaction
liabilities
Loss on disaster of eaithquake
O ther
Incom e before incom e taxes and m inority interests
Incom e taxes-current
Incom e taxes-deferred
Total incom e taxes
Incom e before m inority interests
M inority interests in incom e
Net incom e- 3 -For FY2010
For FY2011
ended
ended
M ar.31,2011
M ar.31,2012
154,402
153,673
106,677
101,81382,41876,62423,29423,927
33
156
498
705
433
399
31
30
22,242
22,144
621
594
6,763
6,713
18,06522,377―2,498
18,06519,878
133,610
119,851
7,940
6,204
5,923
4,301
30
8
91
35
13
581
162
1,137
6,984
1,574
72,74044,37017,39926,97020,791
2,552
50
2,502
―
1,509
307
68

51
400
152
1,253
7,089
1,215
72,08033,261
6,198
27,06233,822
17
―
―
17
1,254
391
860

0
978
154
21,835
5,817
1,786
7,604
14,230240
13,9900―2
32,585
5,276
8,832
14,10918,476341
18,134

THE JOYO BANK, LTD.

(Consolidated Statem ents of Com prehensive Incom e)(M illions of yen)

Incom e before m inority interests
Other com prehensive incom e
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for land
Com prehensive incom e
Com prehensive incom e attributable to owners of theparentCom prehensive incom e attributable to m inority- 4 -For FY2011
For FY2010
ended
ended
M ar.31,2012
Mar.31,2011
14,23018,476△ 9,040
11,414△ 8,674
10,084
△ 366
△ 401
―
1,730
5,190
29,891
4,947
242

29,549341

THE JOYO BANK, LTD.

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

For FY2010
ended
Mar.31,2011
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 FY2011
ended
Mar.31,2012

85,113

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

261,752

266,435△6,182
13,990△6△3,14022
4,682
266,435△6,134
18,134△ 20△3,073
256
9,163
275,598△26,845△25,858△2,17421
3,140
987△25,858△2,191
61
3,073
944△24,913378,594384,264△6,182
13,990△2,174
14
―
22
5,669
384,264△6,134
18,134△2,19141―
256
10,107394,371

38,80530,129△8,676△8,67630,12910,085
10,08540,214

THE JOYO BANK, LTD.
(Millions of yen)

For FY2010
ended
Mar.31,2011
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 FY2011
ended
Mar.31,2012△1,938△2,304△366△366△2,304△401△401△2,705

11,00010,978△22△22
10,9781,473
1,473
12,45247,86838,803△9,064△9,06438,803

11,157
11,15749,961

21

69

48
48
69

11
11
81

1,617

1,859

242
242
1,859

341
341
2,201

428,101

424,997△6,182
13,990△2,17414
22△8,773△3,104424,997△6,134
18,134△2,19141
256
11,51021,618446,615

THE JOYO BANK, LTD.

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

For FY2010
ended
Mar.31,2011
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 ofdeposits
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)
Increase (decrease) in straight bonds-issuance andredemption
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 lendingtransactions
Net decrease (increase) in foreign exchanges-assets
Net increase (decrease) in foreign exchanges-liabilities
Net increase (decrease) in borrowed money from trust
account
Proceeds from fund management
Payments for finance
Other, net
Subtotal
Income taxes paid
Net cash provided by (used in) operating activities- 7 -For FY2011
ended
Mar.31,2012

21,835
6,566
68
△158
11,636267

32,585
6,290
860
△158
△131
8

2

0

123
26
△107

129
8
△143

2
△37
324
△111,396
7,940
3,791
8,003
257
△3,909△89
485
38,237140,249△9,0301
46
59△107,432
6,204
4,915
2,135
391
3,898
△90
26
△182,874
452,900
7,982△56,30260,721△10,000
31,68931,16913,636

―
△679
655
3,925

△12,701△5,108△209

25,556
6,058
△177

0
111,709△9,19013,500223,283△1,574
221,708△2
107,002△8,040155422,788△7,369415,419

THE JOYO BANK, LTD.
(Millions of yen)

For FY2010
ended
Mar.31,2011
Net cash provided by (used in) investing activities
Purchase of securities
Proceeds from sales of securities
Proceeds from redemption of securities
Purchase of property, plant and equipment
Proceeds from sales of property, plant and equipment
Purchase of intangible 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 FY2011
ended
Mar.31,2012△614,718
314,379
213,661△3,68797△3,191△93,459△878,412
334,599
280,759△3,81481△2,330△269,118―
5,000△15,000△6,182△0△2,174
14△18,342△20
109,885
129,800
239,686

10,000
5,400△20,000△6,134△0△2,191
41△12,884△4
133,411
239,686
373,098

THE JOYO BANK, LTD.

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

As of Mar.31,2011 As of Mar.31,2012
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
Other trading assets
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
Variation margins of futures markets
Derivatives other than for trading-assets
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 -251,214
68,683
182,530―
37,755
7,675
2,173
―
502
4,999
2,185,635
1,105,615
335,015
382,499
175,427
187,076
4,800,612
25,409392,767
3,812,471
569,963
7,816
7,393
73
348
38,431
50
1,740
8,886
160
1
5,047
22,54585,71529,42250,982
1,975
321
3,013
8,457
4,139
994
3,322
20,973
21,373△44,013△303
7,421,342

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

THE JOYO BANK, LTD.
(M illions of yen )Liabilities
D eposits
C urrent deposits
O rdinary deposits
Saving deposits
D eposits at notice
Tim e deposits
O ther deposits
N egotiable certificates of deposit
C all m oney
P ayables under securities lending transactions
Trading liabilities
D erivatives of trading securities-assets
Trading-related financial derivatives
B orrow ed m oney
B orrow ings from other banks
Foreign exchanges
Foreign bills sold
Foreign bills payable
B onds payable
B orrow ed m oney from trust accountO ther liabilities
D om estic exchange settlem ent account, credit
Incom e taxes payable
A ccrued expenses
U nearned revenue
D eposits received from em ployees
V ariation m argins of futures m arkets
D erivatives other than for trading-liabilities
Lease obligations
O ther
P rovision for directors' bonuses
P rovision for retirem ent benefits
P rovision for reim bursem ent of deposits
P rovision for point card certificatesP rovision for contingent loss
D eferred tax liabilities for land revaluation
A cceptances and guarantees
Total liabilities
Net assets
C apital stock
C apital surplus
Legal capital surplus
R etained earnings
Legal retained earnings
O ther retained earnings
R eserve for advanced depreciation of noncurrent assets
R eserve for special account for advanced depreciation of
noncurrent assets
G eneral reserve
R etained earnings brought forw ard
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 valuation and translation adjustm ents
Subscription rights to shares
Total net assets
Total liabilities and net assets- 10 -A s of M ar.31,2011

A s of M ar.31,2012

6,817,506
133,8943,700,728
47,5089,969
2,808,158
117,247
12,97013,636
13,332282
1
280
48,88048,880
415
389
25
5,000
19
49,02322
4,831
12,230
2,762
1,484
―
9,276
2,973
15,441
―
4,725
1,582
79
1,883
12,815
21,373
7,003,525

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

85,11358,57458,574
263,953
55,317
208,636
256

85,11358,57458,574
271,650
55,317
216,332252―
194,432
13,948△ 26,952
380,688
30,070△ 2,304
9,291
37,05869
417,816
7,421,342

50
198,432
17,598△ 25,881
389,455
40,141△ 2,705
10,62348,05881
437,596
7,982,027

THE JOYO BANK, LTD.

２ ． Non-Consolidated Statements of Income(M illions of yen)

Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Interest on call loans
Interest on deposits with banks
Other interest income
Trust fees
Fees and commissions
Fees and commissions on domestic and foreign exchanges
Other fees and commissions
Trading income
Gains on trading account securities transactions
Income from trading-related financial derivatives transactions
Other trading income
Other ordinary income
Gains on foreign exchange transactions
Gains on sales of bonds
Gains on redemption of bonds
Income from derivatives other than for trading or hedging
Other
Other income
Recoveries of written off claims
Gain on sales of stocks and other securities
Other
Ordinary expenses
Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit
Interest on call money
Interest on payables under securities lending transactions
Interest on borrowings and rediscounts
Interest on bonds
Interest on interest swaps
Other interest expenses
Fees and commissions payments
Fees and commissions on domestic and foreign exchanges
Other fees and commissions
Other ordinary expenses
Loss on sales of bonds
Loss on devaluation of bonds
Expenses on derivatives other than for trading or hedging
General and administrative expenses
Other expenses
Provision of allowance for loan losses
Provision for contingent loss
Provision of allowance for investment loss
Provision for reimbursement of deposits
Provision for point card certificates
Written-off of loans
Losses on sales of stocks and other securities
Losses on devaluation of stocks and other securities
Other
Ordinary profit- 11 -For FY2010
For FY2011
ended
ended
Mar.31,2011
Mar.31,2012
135,196
134,938
106,833
101,940
82,551
76,73323,277
23,904
33
156
498
705
472
440
31
30
19,192
19,2336,444
6,422
12,747
12,811
278
302
179
183
98
117
0
1
6,752
6,694
698
806
5,969
5,434
―
60
―
356
85
36
2,107
6,736
―
2,270
356
1,943
1,751
2,522
116,269
104,959
7,871
6,146
5,935
4,304
35
9
91
35
13
51
581
400
162
152
1,035
1,165
14
26
7,836
7,908
1,257
1,251
6,579
6,657
1,574
1,215
859
991
645
223
69
―
71,91571,51027,071
18,17916,524
6,183
387
98
267
8
342
365
50
80
5,067
4,689
1,756
2,022
1,734
1,622
940
3,110
18,92629,979

THE JOYO BANK, LTD.
(Millions of yen)

For FY2011
For FY2010
ended
ended
Mar.31,2012
Mar.31,2011
2,216
―
50
―
2,165
―
1,381
735
278
345
68
389
879
―
154
―
19,761
29,243
4,887
4,131
1,961
8,317
6,849
12,44812,912
16,795Extraordinary income
Gain on disposal of noncurrent assets
Recoveries of written-off claims
Extraordinary loss
Loss on disposal of noncurrent assets
Impairment loss
Loss on disaster of eaithquake
Other
Income before income taxes
Income taxes-current
Income taxes-deferred
Total income taxes
Net income- 12 -

THE JOYO BANK, LTD.

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

For FY2010
ended
Mar.31,2011
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 for advanced
depreciation of noncurrent assets
Total changes of items during the period
Balance at the end of current period- 13 -For FY2011
ended
Mar.31,2012

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

256

5

―

△3
1
256

△3
△3
252

―

―

―
―
―

50
50
50

THE JOYO BANK, LTD.
(M illio n s o f y e n )For FY2010
ended
M a r.3 1 ,2 0 1 1
G e n e ra l re s e rv e
B a la n c e a t th e b e g in n in g o f c u rre n t p e rio d
C h a n g e s o f ite m s d u rin g th e p e rio d
P ro v is io n o f g e n e ra l re s e rv e
T o ta l c h a n g e s o f ite m s d u rin g th e p e rio d
B a la n c e a t th e e n d o f c u rre n t p e rio d
R e ta in e d e a rn in g s b ro u g h t fo rw a rd
B a la n c e a t th e b e g in n in g o f c u rre n t p e rio d
C h a n g e s o f ite m s d u rin g th e p e rio d
D iv id e n d s fro m s u rp lu s
N e t in c o m e
P ro v is io n o f re s e rv e fo r a d v a n c e d d e p re c ia tio n o f
n o n c u rre n t a s s e ts
R e v e rs a l o f re s e rv e fo r a d v a n c e d d e p re c ia tio n o f
n o n c u rre n t a s s e ts
P ro v is io n o f re s e rv e fo r s p e c ia l a c c o u n t fo r a d v a n c e dd e p re c ia tio n o f n o n c u rre n t a s s e ts
P ro v is io n o f g e n e ra l re s e rv e
D is p o s a l o f tre a s u ry s to c k
R e tire m e n t o f tre a s u ry s to c k
R e v e rs a l o f re v a lu a tio n re s e rv e fo r la n d
T o ta l c h a n g e s o f ite m s d u rin g th e p e rio d
B a la n c e a t th e e n d o f c u rre n t p e rio d
T o ta l re ta in e d e a rn in g s
B a la n c e a t th e b e g in n in g o f c u rre n t p e rio d
C h a n g e s o f ite m s d u rin g th e p e rio d
D iv id e n d s fro m s u rp lu s
N e t in c o m e
P ro v is io n o f re s e rv e fo r a d v a n c e d d e p re c ia tio n o f
n o n c u rre n t a s s e ts
R e v e rs a l o f re s e rv e fo r a d v a n c e d d e p re c ia tio n o f
n o n c u rre n t a s s e ts
P ro v is io n o f re s e rv e fo r s p e c ia l a c c o u n t fo r a d v a n c e dd e p re c ia tio n o f n o n c u rre n t a s s e ts
P ro v is io n o f g e n e ra l re s e rv e
D is p o s a l o f tre a s u ry s to c k
R e tire m e n t o f tre a s u ry s to c k
R e v e rs a l o f re v a lu a tio n re s e rv e fo r la n d
T o ta l c h a n g e s o f ite m s d u rin g th e p e rio d
B a la n c e a t th e e n d o f c u rre n t p e rio d
T re a s u ry s to c k
B a la n c e a t th e b e g in n in g o f c u rre n t p e rio d
C h a n g e s o f ite m s d u rin g th e p e rio d
P u rc h a s e o f tre a s u ry s to c k
D is p o s a l o f tre a s u ry s to c k
R e tire m e n t o f tre a s u ry s to c k
T o ta l c h a n g e s o f ite m s d u rin g th e p e rio d
B a la n c e a t th e e n d o f c u rre n t p e rio d
T o ta l s h a re h o ld e rs ' e q u ity
B a la n c e a t th e b e g in n in g o f c u rre n t p e rio d
C h a n g e s o f ite m s d u rin g th e p e rio d
D iv id e n d s fro m s u rp lu s
N e t in c o m e
P u rc h a s e o f tre a s u ry s to c k
D is p o s a l o f tre a s u ry s to c k
R e tire m e n t o f tre a s u ry s to c k
R e v e rs a l o f re v a lu a tio n re s e rv e fo r la n d
T o ta l c h a n g e s o f ite m s d u rin g th e p e rio d
B a la n c e a t th e e n d o f c u rre n t p e rio d- 14 -For FY2011
ended
M a r.3 1 ,2 0 1 2

1 9 0 ,4 3 2

1 9 4 ,4 3 2

4 ,0 0 0
4 ,0 0 0
1 9 4 ,4 3 2

4 ,0 0 0
4 ,0 0 0
1 9 8 ,4 3 2

1 4 ,4 7 9

1 3 ,9 4 8△ 6 ,1 8 2
1 2 ,9 1 2△ 6 ,1 3 4
1 6 ,7 9 5

△5

―

3

3

―
△ 4 ,0 0 0△7△ 3 ,2 7 322△ 531
1 3 ,9 4 8△ 50△ 4 ,0 0 0△ 22△ 3 ,1 9 7
256
3 ,6 5 0
1 7 ,5 9 8

2 6 0 ,4 8 3

2 6 3 ,9 5 3△ 6 ,1 8 2
1 2 ,9 1 2△ 6 ,1 3 4
1 6 ,7 9 5

―

―

―

―

―
―
△7
△ 3 ,2 7 3
22
3 ,4 7 0
2 6 3 ,9 5 3

―
―
△ 22
△ 3 ,1 9 7
256
7 ,6 9 62 7 1 ,6 5 0△ 2 8 ,0 7 3△ 2 6 ,9 5 2△ 2 ,1 7 4
22
3 ,2 7 3
1 ,1 2 1△ 2 6 ,9 5 2△ 2 ,1 9 1
64
3 ,1 9 7
1 ,0 7 1△ 2 5 ,8 8 1

3 7 6 ,0 9 6

3 8 0 ,6 8 8△ 6 ,1 8 2
1 2 ,9 1 2△ 2 ,1 7 4
14―
22
4 ,5 9 1
3 8 0 ,6 8 8△ 6 ,1 3 4
1 6 ,7 9 5△ 2 ,1 9 1
41―
256
8 ,7 6 7
3 8 9 ,4 5 5THE JOYO BANK, LTD.
(Millions of yen)

For FY2010
ended
Mar.31,2011
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 FY2011
ended
Mar.31,2012

38,70330,070△8,632△8,63230,07010,07010,07040,141△1,938△2,304△366△366△2,304△401△401△2,705

9,313

9,291

△22
△22
9,291

1,331
1,331
10,62346,07937,058△9,020△9,02037,05811,00011,00048,058

21

69

48
48
69

11
11
81

422,197

417,816△6,182
12,912△2,17414
22△8,972△4,380417,816△6,134
16,795△2,19141
256
11,012
19,779437,596