Financial Statements
For the Third Quarter Ended Dec. 31,2014

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･･･････････････････３(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

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
Intangible fixed assets
Net defined benefit asset
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
Bonds with subscription rights to shares
Borrowed money from trust account
Other liabilities
Provision for directors' bonuses
Net defined benefit liability
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 special laws
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities
1

As ofMar.31,2014(Millions of yen)
As ofDec.31,2014

224,661
7,181
14,6603,387
2,760,304
5,363,389
2,251
36,08147,812
96,121
10,902−
2,245
14,522△46,915△35
8,536,571

472,9252,450
15,021
4,473
2,729,236
5,600,942
3,772
37,04874,05596,303
10,828
1,184
2,175
16,519△45,229△35
9,021,672

7,479,902
10,03071,839105,996141
218,248353
15,000−19
62,790
48
8,834
39
1,993
127
2
1,505
1
14,352
11,872
1,975
14,5228,019,600

7,658,593
24,65056,273
139,928196
345,227248
15,00036,1652
89,373
−
9,901
35
1,913
157
2
1,342
2
42,178
11,5091,856
16,5198,451,078

THE JOYO BANK, LTD.

Net assets
Capital stock
Capital surplus
Retained earnings
Treasury shares
Total shareholders' equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for landRemeasurements of defined benefit plans
Total accumulated other comprehensive income
Subscription rights to shares
Minority interests
Total net assets
Total liabilities and net assets

2As ofMar.31,2014(Millions of yen)
As ofDec.31,2014

85,11358,574
300,506△21,079
423,11386,445△2,072
12,184△5,65690,900113
2,843
516,9718,536,571

85,11358,574
306,759△21,354429,092
135,681△2,306
11,519△4,930139,963135
1,401
570,593
9,021,672

THE JOYO BANK, LTD.

２．Consolidated Statements of Income andComprehensive Income(Consolidated Statements of Income)Consolidated Statements ofOrdinary 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 non-current assets
Gain on bargain purchase
Extraordinary losses
Loss on disposal of non-current assets
Impairment loss
Transfer to reserve for financial products transaction liabilities
Income before income taxes and minority interests
Income taxes - current
Income taxes - deferred
Total income taxes
Income before minority interests
Minority interests in income
Net income(Millions of yen)

For the nine
For the ninemonths ended months ended
Dec.31,2013
Dec.31,2014
123,907
117,898
72,36873,201
52,40151,002
19,39821,62125
25
18,312
19,466
1,136
1,253
7,483
3,729
24,581
20,221
88,79882,909
3,596
3,797
1,987
1,840
5,310
5,588
5,142
388
55,07755,183
19,671
17,95235,10834,989
4
1,443
4
107
−
1,335
307
789
174
367
133
421
0
0
34,80535,644
9,927
10,138
1,987
1,049
11,914
11,18822,89024,455222
20922,668
24,246(Millions of yen)(Consolidated Statements of Comprehensive Income)For the ninemonths ended
Dec.31,2013
Income before minority interests
Other comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Remeasurements of defined benefit plans, net of tax
Comprehensive income
Comprehensive income attributable toComprehensive income attributable to owners of parent
Comprehensive income attributable to minority interests

3

For the ninemonths ended
Dec.31,2014

22,890
7,635
7,118
516
−30,526

24,45549,75549,263△233
725
74,21030,301
224

73,974235