MIYAZAKI BANK ’24 INFORMATION
Consolidating Information
Outline of Miyazaki Bank Group
Group outline
Miyazaki Bank and its 6 consolidated subsidiaries engage in general retail banking andrelated financial services, such as leasing, credit guarantee and credit card businesses.
Bank business
The head office and 70 branches offer deposit services, loan businesses, domestic exchange
businesses, foreign exchange businesses, and other related services.
Leasing business
The consolidated subsidiary Miyagin Lease Co., Ltd. offers general leasing services.
Other businesses
The consolidated subsidiaries Miyagin Venture Capital Co., Ltd., Miyagin Guarantee Co., Ltd.
and Miyagin Card Co., Ltd. engage in investment service for stocks and corporate bonds
and management consulting service, credit guarantee services including housing loans,and credit card businesses, respectively.
The following chart illustrates the business organizations of the Group as described above.
The Miyazaki Bank, Ltd.
Miyazaki Bank and2 consolidated subsidiaries

Bank business

The head office, 70 branches and 25 subbranches
Miyagin Business Service Co., Ltd.
Miyagin Digital Solutions Co., Ltd.
Leasing business1 consolidated subsidiary

Miyagin Lease Co., Ltd.
3 consolidated subsidiaries

Other businesses

Miyagin Venture Capital Co., Ltd.
Miyagin Guarantee Co., Ltd.
Miyagin Card Co., Ltd.
None of our consolidated subsidiaries is listed company.

1Changes in Principal Management Indicators in Last 5 Years (Consolidated)Japanese Yen

U.S. Dollars

FY 2024

FY 2024

FY 2020

FY 2021

FY 2022

FY 2023

Consolidated ordinary income

56,83854,664

63,824

66,12768,889Millions

454,983 Thousands

Consolidated ordinary profit

10,82812,028

11,535

11,848

9,986

Millions

65,953 Thousands

Profit attributable to owners of parent

7,125

7,995

7,473

8,127

7,087

Millions

46,807 Thousands

Consolidated comprehensive income(1,565)

11,990

2,226

5,819

28,387

Millions

187,484 Thousands

Consolidated net assets

148,541

158,585

159,130

163,159

189,852

Millions

1,253,893 Thousands

Consolidated total assets

3,325,076

3,653,865

4,241,963

4,025,257

4,110,848

Millions

27,150,439 Thousands

Net assets per share

8,593.83

9,182.77

9,212.03

9,435.64

10,954.41

Yen

72.35

Dollars

Basic earnings per share

413.44463.63433.28470.79409.52Yen

2.70

Dollars

Diluted earnings per share

412.01461.74431.01468.08407.79Yen

2.69

Dollars

Capital adequacy ratio

4.45

4.33

3.74

4.04

4.61

%

4.61

%

Consolidated capital adequacy ratio (domestic standard)

8.34

8.40

8.39

8.90

9.06

%

9.06

%

Consolidated return on equity ratio

4.75

5.21

4.71

5.05

4.01

%

4.01

%

Consolidated price earnings ratio

5.76

5.04

4.76

4.97

6.99

Times

6.99

Times

Cash flows from operating activities

161,683

256,482

487,689(196,260)

4,879

Millions

32,224 Thousands

Cash flows from investing activities

44,964(97,332)(14,874)

27,258(94,923)

Millions(626,927) Thousands

Cash flows from financing activities(1,813)(1,990)(1,726)(1,899)(1,731)Millions(11,433) Thousands

Cash and cash equivalents at the end of the period

559,281

716,448

1,187,545

1,016,651

924,888

Millions

6,108,500 Thousands

Number of employees

1,542

1,535

1,502

1,449

1,424

Persons

1,424

Persons[Average number of temporary staffs]

[400]

[393]

[393]

[388]

[388]

Persons[388]

Persons(Notes)1. The capital adequacy ratio was calculated by subtracting year-end balances of share acquisition rights and non-controlling interest from year-end balance of total net assets anddividing the difference by year-end balance of total assets.
2. The consolidated capital adequacy ratio was calculated by the calculation method specified in the Financial Services Agency Announcement No. 19, 2006 in accordance with
Article 14-2 of the Banking Act. The Bank adopts domestic standard.
3. Average number of temporary staffs is calculated by converting their working hours to regular working hours of the Bank.
4. The Company has changed its accounting standards for recording sales and cost of sales for installment sales transactions from the fiscal year under review, and the figures
for FY2022 are presented with retroactive application.
5. Solely for the convenience of the reader, US dollar amounts in this Annual Report represent a translation of Japanese yen at ¥151.41 to US$1.00, the exchange rate prevailingon March 31, 2024.The figures that have been translated into dollars have been rounded off. Therefore, the total figures in this Annual Report may not necessarily match theaggregate of the individual amounts shown.

2Remaining Debts under the Financial Revitalization Law and The Scope of
Risk-monitored Loans (Consolidated)Thousands of
U.S. Dollars

Millions of Japanese Yen

Years ended March 31

At the end of
FY 2023

At the end of
FY 2024

At the end of
FY 2024

Loans to bankrupt parties andrehabilitation and similar cases

4,635

4,218

27,858High-risk loans

24,831

24,627

162,651

Loans under management

3,537

5,534

36,550

－

－

－

3,537

5,534

36,55033,004

34,380227,066

2,276,828

2,318,245

15,311,043

2,309,833

2,352,625

15,538,108

Loans overdue for three months or more
Lending condition-eased loans
SubtotalStandard loans
Total

3

Consolidated Financial Statements
The Consolidated Financial Statements included in this report were prepared based on the Consolidated
Financial Statements audited by Deloitte Touche Tohmatsu LLC pursuant to the provisions of Article 396,
Paragraph 1 of the Companies Act and Article 193-2, Paragraph 1 of the Financial Instruments and Exchange
Act.

Consolidated Balance Sheet(Assets)

Cash and due from banks
Call loans and bills bought
Securities
Loans and bills discounted
Foreign exchanges
Lease receivables and investments in leases
Other assets
Property, plant and equipment
Buildings
Land
Construction in progress
Other
Intangible assets
Software
Other
Retirement benefit asset
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Allowance for loan losses
Total assets

4

Millions of Japanese Yen

Thousands of
U.S. Dollars

At the end of At the end of
FY 2023
FY 2024
1,016,870
925,050
2,270
1,665
691,877
826,9362,240,580
2,283,318
5,094
3,048
9,953
9,600
32,95940,201
23,007
23,371
7,267
7,837
13,09313,083
149
－
2,497
2,450
4,547
4,531
4,474
4,460
72
71
－
2,758
7,623
－
4,303
4,644
(13,830)(14,280)
4,025,257
4,110,848

At the end of
FY 2024
6,109,570
10,997
5,461,568
15,080,365
20,131
63,404
265,511
154,356
51,76086,408－16,181
29,92529,456469
18,215－30,672(94,313)
27,150,439

(Liabilities and Net Assets)

Liabilities:
Deposits
Negotiable certificates of deposit
Call money and bills sold
Securities sold under repurchase agreements
Cash collateral received for securities lent
Borrowed money
Foreign exchanges
Other liabilities
Provision for bonuses for directors (and other officers)
Retirement benefit liability
Provision for reimbursement of deposits
Provision for contingent loss
Deferred tax liabilities
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities
Net assets:
Share capital
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
Share acquisition rights
Total net assets
Total liabilities and net assets

5

Millions of Japanese Yen

Thousands of
U.S. Dollars

At the end of At the end of
FY 2023
FY 2024

At the end of
FY 2024

3,083,906
30,474
189,287
7,127
113,698
413,011132
15,432
35
2,147
237
135
－
2,168
4,303
3,862,098

3,114,682
48,52722,21164,561
161,738
478,19937
22,320
28
1,499
155
143
139
2,104
4,644
3,920,996

20,571,178
320,501
146,694
426,399
1,068,212
3,158,305
244
147,414
185
9,900
1,024
944
918
13,89630,67225,896,546

14,697
12,779133,997(1,133)
160,340
1,417(1,109)
2,762
(485)
2,585
233
163,159
4,025,257

14,697
12,779139,464(977)
165,964
16,421
2,981
2,615
1,720
23,739148
189,852
4,110,848

97,06884,400921,102(6,453)
1,096,123
108,454
19,68817,271
11,360156,786977
1,253,893
27,150,439

Consolidated Statement of Income and Retained Earnings

Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Interest on call loans and bills boughtInterest on deposits with banks
Other interest income
Fees and commissions
Other ordinary income
Other income
Recoveries of written off receivables
Other
Ordinary expenses
Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit
Interest on call money and bills soldInterest expenses on securities sold under
repurchase agreements
Interest expenses on cash collateral received
for securities lentInterest on borrowings and rediscounts
Other interest expenses
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Provision of allowance for loan losses
Other
Ordinary profit
Extraordinary income
Gain on disposal of non-current assets
Extraordinary losses
Loss on disposal of non-current assets
Impairment losses
Profit before income taxes
Income taxes - current
Income taxes - deferred
Total income taxes
ProfitProfit attributable to owners of parent

6

Millions of Japanese Yen

Thousands of
U.S. Dollars

FY 2023
66,12744,80927,735
16,069112
0892
10,112
7,341
3,862
98
3,764
54,278
3,080
117
2
552

FY 2024
68,88943,54828,413
13,13644
0
1,952
11,410
7,595
6,334
115
6,219
58,903
9,710
131
1
413

FY 2024454,983
287,616
187,656
86,758291
012,89275,35850,162
41,833760
41,074
389,030
64,131
865
7
2,728

15

1,947

12,859

2,124

7,191

47,494

20
248
5,124
14,05025,212
6,810
2,680
4,130
11,8481
151
24
27
11,798
3,858
(186)
3,671
8,127
8,127

23
(0)
5,402
13,54525,521
4,723
2,341
2,382
9,986
86
86
78
78
－
9,994
3,852
(945)
2,906
7,087
7,087

152
(0)
35,67889,459168,556
31,193
15,461
15,732
65,953
568
568
515
515
－
66,00625,441(6,241)
19,19346,80746,807

Consolidated Statement of Comprehensive Income

ProfitOther comprehensive income
Valuation difference on available-for-sale securities

Deferred gains or losses on hedges
Remeasurements of defined benefit plans
Comprehensive income
Comprehensive income attributable to owners of parent

7

Millions of Japanese Yen

Thousands of
U.S. Dollars

FY 2023
8,127(2,308)(1,726)(1,109)
527
5,819
5,819

FY 2024
46,807
140,678
99,09527,013
14,563
187,484
187,484

FY 2024
7,087
21,30015,0044,090
2,205
28,38728,387

Consolidated Statement of Changes in Net Assets
Millions of Japanese Yen

FY2023

Balance at beginning of period
Cumulative effects of changes in accounting policies
Restated balance
Changes during period
Dividends of surplus
Profit attributable to owners of parent
Purchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Shareholders’ equity
Share capital
14,697
14,697

Capital surplus
Retained earnings
12,780127,70368
12,780127,771

Total shareholders’equity153,98868(1,191)
154,056

Treasury shares(1,191)(1,898)
8,127
(14)

－
14,697

13

11
(13)

(0)
12,7796,226
133,997(1)
59(1,898)
8,127
(1)
44
11
－

57
(1,133)

6,283
160,340
Millions of Japanese Yen

Accumulated other comprehensive income

Balance at beginning of period
Cumulative effects of changes in accounting policies
Restated balance
Changes during period
Dividends of surplus
Profit attributable to owners of parent
Purchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Total accumulated
Valuation
other
Remeasurements ofdifference on
Share acquisition
comprehensive
available-for-sale Deferred gains or Revaluation reserve defined benefit
rightsincomeplans
securities
losses on hedges
for land
3,143
－
2,773
(1,012)
4,905
236
3,143

(1,726)(1,726)
1,417－(1,109)(1,109)(1,109)

8

2,773

(11)
(11)
2,762

(1,012)

527
527
(485)

4,905

(2,319)(2,319)2,585

236

Total net assets
159,130
68
159,198

(2)
(2)
233

(1,898)
8,127
(1)
44
11
－
(2,322)
3,960
163,159Millions of Japanese Yen

FY2024

Balance at beginning of period
Changes during period
Dividends of surplus
Profit attributable to owners of parent
Purchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Shareholders’ equity
Share capital
14,697

Capital surplus
Retained earnings
12,779133,997

Treasury shares(1,133)(1,729)
7,087
(37)

－
14,697

37

146
(37)

－
12,7795,466
139,464

Total shareholders’equity160,340(2)
158(1,729)
7,087
(2)
121
146
－

156
(977)

5,623
165,964
Millions of Japanese Yen

Accumulated other comprehensive income

Balance at beginning of period
Changes during period
Dividends of surplus
Profit attributable to owners of parent
Purchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Total accumulated
Valuation
other
Remeasurements ofdifference on
Share acquisition
comprehensive
available-for-sale Deferred gains or Revaluation reserve defined benefit
rightsincomeplans
securities
losses on hedges
for land
1,417(1,109)
2,762
(485)
2,585
233

15,00415,004
16,421

4,090
4,090
2,981

9

(146)
(146)
2,615

2,205
2,205
1,720

21,153
21,15323,739

(84)
(84)
148

Total net assets
163,159(1,729)
7,087
(2)
121
146
－
21,06926,692
189,852

Thousands of U.S. Dollars

FY2024

Balance at beginning of period
Changes during period
Dividends of surplus
Profit attributable to owners of parent
Purchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Shareholders’ equity
Share capital
97,068

Capital surplus
84,400Retained earnings
884,994

Treasury shares(7,483)(11,419)
46,807(244)－
97,068

244

964
(244)

－
84,40036,101
921,102

Total shareholders’equity1,058,979

(13)
1,044

(11,419)
46,807
(13)
799
964
－

1,030
(6,453)37,1381,096,123
Thousands of U.S. Dollars

Accumulated other comprehensive income

Balance at beginning of period
Changes during period
Dividends of surplus
Profit attributable to owners of parent
Purchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Valuationdifference on
available-for-salesecurities
9,359

99,09599,095
108,454

Remeasurements ofDeferred gains or Revaluation reserve defined benefit
plans
losses on hedges
for land(7,324)
18,242(3,203)27,01327,013
19,688

10

(964)
(964)
17,271

14,563
14,563
11,360Total accumulated
othercomprehensive
income17,073

139,707
139,707
156,786

Share acquisitionrights1,539

Total net assets
1,077,597

(555)
(555)
977

(11,419)
46,807
(13)
799
964
－
139,152
176,290
1,253,893

Consolidated Statement of Cash Flows

I. Cash flows from operating activities
Profit before income taxes
Depreciation and amortization
Impairment losses
Increase (decrease) in allowance for loan losses
Increase (decrease) in provision for bonuses for directors(and other officers)
Decrease (increase) in retirement benefit asset
Increase (decrease) in retirement benefit liability
Increase (decrease) in provision for reimbursement of deposits
Increase (decrease) in provision for contingent loss
Interest income
Interest expenses
Loss (gain) related to securities
Loss (gain) on money held in trust
Foreign exchange losses (gains)
Loss (gain) on disposal of non-current assets
Net decrease (increase) in loans and bills discounted
Net increase (decrease) in deposits
Net increase (decrease) in negotiable certificates of deposit
Net increase (decrease) in securities sold under repurchaseagreements
Net increase (decrease) in borrowed money (excluding subordinatedborrowings)
Net decrease (increase) in due from banks (excluding due fromBank of Japan)
Net decrease (increase) in call loans
Net increase (decrease) in call money
Net increase (decrease) in cash collateral received for securities lent
Net decrease (increase) in foreign exchange (assets)
Net increase (decrease) in foreign exchange (liabilities)
Interest received
Interest paid
Other, net
Subtotal
Income taxes paid
Net cash provided by (used in) operating activities
II. Cash flows from investing activities
Purchases of securities
Proceeds from sale of securities
Proceeds from redemption of securities
Decrease in money held in trust
Purchase of property, plant and equipment
Proceeds from sale of property, plant and equipment,
or expropriation, etc.
Proceeds from sale of property, plant and equipment
Purchase of intangible assets
III. Cash flows from financing activities
Dividends paid
Purchase of treasury shares
Proceeds from sale of treasury shares
Net cash provided by (used in) financing activities
IV. Effect of exchange rate change on cash and cash equivalents
V. Net increase (decrease) in cash and cash equivalents
VI. Cash and cash equivalents at beginning of period
VII. Cash and cash equivalents at end of period

11

Millions of Japanese Yen

Thousands of
U.S. Dollars

FY 2023

FY 2024

FY 2024

11,798
2,835
27
864

9,994
2,961
－
449

66,006
19,556
－
2,965

0

(6)

(40)

－
(393)
(47)
0
(44,809)
3,080
8,123
235
2,517
23
16,994
133,669(12,391)(1,005)770(81)
7(43,548)
9,710
1,888
－
(823)
(8)
(43,419)
30,25318,053(6,638)
5,086
(535)
46
(287,616)
64,131
12,469－(5,436)(53)(286,764)
199,808
119,233

7,127

56,577

373,668(207,311)

65,188430,540

2,025

57

376

(1,283)(138,665)(10,930)(2,560)27
44,791(2,852)(4,986)(192,091)(4,168)(196,260)

908(168,849)
34,5172,663(100)
42,380(8,505)(4,381)
5,653
(774)
4,879

5,997
(1,115,177)
227,970
17,588(660)
279,902(56,172)(28,935)
37,336(5,112)32,224(542,510)
379,884
181,515
10,764(794)(416,315)
278,390
45,604－(1,307)(2,749,587)
1,838,650
301,195－(8,632)

16

294

1,942

(1,618)27,258(1,590)(94,923)(10,501)(626,927)(1,898)(1,729)(1)(2)
0
0(1,899)(1,731)7
12(170,894)(91,762)
1,187,545 1,016,651
1,016,651
924,888(11,419)(13)
0(11,433)
79(606,050)
6,714,557
6,108,500

Principal Management Indicators (Non-Consolidated)
Employees
Years ended March 31
At the end of
FY 2023
1,308
38.8
15.8
363

Number of employees (persons)Average age (years/months)
Average service years (years/months)
Average salary (month/JPY1,000)

At the end of
FY 2024
1,284
39.1
16.2
367

1. Average monthly salary includes overtime charges for March, but does not include bonus.
2. Employees’ retirement age is 60. Some retiring individuals may be rehired as temporary staffs
for a specific period of time.
(Persons)

FY 2023
66
58
－
1
7

Persons employed (formal employees)
University graduates
Technical college graduates
College graduates
High school graduates

FY 2024
71
56
1
3
11

Number of Offices
Miyazaki Prefecture
Kagoshima Prefecture
Fukuoka/Kumamoto/Oita
Tokyo
Subtotal
Total(As of March 31, 2024)

Subbranches
25
－
－
－
25

Head Office and Branches
60
6
3
2
71
96

(Note) Other non-branch installed CDs and ATMs: 126 locations.
Number of ATMs

(As of March 31, 2024)

Automatic teller machines (ATMs)

376(Note) The number of non-branch ATMs is noted in the parenthesis.

12( 159 )

Major Shareholders
Shareholders(Thousands)(As of March 31, 2024)(%)

Shares held

Ratio of shares held

1,472

8.50

1

The Master Trust Bank of Japan, Ltd. (Trust Account)2

Custody Bank of Japan, Ltd. (Trust Account)

623

3.60

3

Miyazaki Bank Employees’ Shareholding Group

482

2.78

4

The Bank of Fukuoka, Ltd.

457

2.64

5

Nippon Life Insurance Co.

441

2.54

6

Meiji Yasuda Life Insurance Co.

440

2.54

7

The Kagoshima Bank, Ltd.

332

1.92

8

Custody Bank of Japan, Ltd. (Trust Account 4)

324

1.87

9

The Higo Bank, Ltd.

311

1.79

10

Sumitomo Life Insurance Company

289

1.67

5,176

29.89

Total
Classification of Shareholders
Central and local governments
Financial institutions
Financial instruments business operators

Other corporations
Foreign corporations and others
Foreign individuals
Individuals and others
Total
Shares less than one unit

(As of March 31, 2024)(%)(Persons)(Units)Number of shareholders

Number of shares held

Ratio of shares held

26
41
26
568
94
2
5,596
6,353
－

2,629
64,254
4,561
39,337
15,48011
49,126
175,398
93,600

1.49
36.63
2.60
22.42
8.82
0.00
28.00
100.00－shares(Notes)1. Of the 315,890 treasury shares, 3,158 units are included in the “Individuals and others”
and 20 shares are included in “Shares less than one unit.”
2. “Other corporations” and “Shares less than one unit” include 1 unit and 90 shares,
respectively, under the name of Japan Securities Depository Center, Inc.

Issued Shares
Type
Common stock

Number of issued shares
17,633,400 shares

The Prime Market of the Tokyo Stock Exchange(As of June 30, 2024)

Fukuoka Stock Exchange

13

Stock listingChanges in Principal Management Indicators in Last 5 Years (Non-Consolidated)Japanese Yen

FY 2024

FY 2020

FY 2021

FY 2022

FY 2023

Ordinary income
Ordinary profit
ProfitShare capital

50,188
11,072
7,679
14,69747,157
11,017
7,259
14,69755,724
10,5596,639
14,69760,095
11,0897,637
14,697

Number of issued shares

17,633

17,633

17,633

17,633

147,374
3,314,993
2,457,136
2,076,686
598,604
8,539.05
100.00[50.00]445.56444.01
4.44

155,915
3,644,134
2,803,722
2,157,703
700,000
9,027.99
100.00[50.00]420.95419.23
4.27

155,5134,232,450
2,952,975
2,263,593
715,797
9,002.32
100.00[50.00]384.92382.893.66

158,457
4,016,621
3,085,817
2,246,429
695,475
9,163.35
110.00[60.00]442.44439.90
3.93

8.31

8.28

8.21

8.66

8.78

5.16
5.35
22.44
1,389
[384]

4.79
5.55
23.75
1,388
[376]

4.26
5.35
25.97
1,356
[375]

4.87
5.28
24.86
1,308
[370]

%
3.88
7.48 Times%
26.14
1,284 Persons[374] Persons

Net assets
Total assets
Deposits
Loans outstanding
Securities outstanding
Net assets per share
Dividend per share[of which interim dividend per share]
Basic earnings per share
Diluted earnings per share
Capital adequacy ratio
Non-consolidated capital adequacy ratio domestic standard(domestic standard)
Return on equity ratio
Price earnings ratio
Payout ratio
Number of employees[Average number of temporary staffs]

U.S. Dollars

FY 2024
Millions
Millions
Millions
Millions
Thousand
17,633
shares
182,476 Millions
4,100,554 Millions
3,118,288 Millions
2,289,235 Millions
830,535 Millions
Yen
10,528.51
Yen
100.00Yen[50.00]Yen
382.46Yen
380.84%
4.44
62,6709,237
6,618
14,697%413,909 Thousands
61,007 Thousands
43,709 Thousands
97,068 Thousands
Thousand
17,633
shares
1,205,178 Thousands
27,082,452 Thousands
20,594,994 Thousands
15,119,444 Thousands
5,485,338 Thousands
69.54 Dollars
0.66 Dollars[0.33] Dollars
2.53 Dollars
2.52 Dollars
%
4.44
8.78

%
3.88
Times
7.48
%
26.14
1,284 Persons[374] Persons(Notes)
1. Interim dividend payment for FY 2024 was resolved by the Board of Directors on November 10, 2023.
2. The capital adequacy ratio was calculated by subtracting year-end balance of share acquisition rights from year-end balance of total net assets and dividing the difference by year-end
balance of total assets.

3. The non-consolidated capital adequacy ratio was calculated by the calculation method specified in the Financial Services Agency Announcement No. 19, 2006 in accordance with
Article 14-2 of the Banking Act. The Bank adopts domestic standard.

4. Average number of temporary staffs is calculated by converting their working hours to regular working hours of the Bank.

14%

Remaining Debts under the Financial Revitalization Law and The Scope of Risk-monitored Loans(Non-Consolidated)
Asset assessment is made under Article 6 of the Act on Emergency Measures for Revitalization of the Financial
Functions (Act No. 132 of 1998) and the Banking Act to classify those listed as corporate bonds in our Balance Sheet(limited to bonds held by financial institutions that guarantee, in whole or in part, the repayment of principal or thepayment of interest and that are issued as private-placement securities under the provisions of Article 2-3 of the
Financial Instruments and Exchange Act (Act No. 25 of 1948)), loans and bills discounted and foreign exchange in
our Balance Sheet, as well as those listed in accrued interest, suspense payments, and Customers’ liabilities for
acceptances and guarantees under other assets, together with securities (limited only to those under loan for use, orlease agreements) in the case of security loans that should be annotated in the notes, into the following four types
based on debtors’ financial conditions and operating results.

Restructured Loans (Non-Consolidated)
Millions of Japanese Yen

Years ended March 31

At the end of
FY 2023
Loans to bankrupt parties andrehabilitation and similar cases
High-risk loans
Loans under management
Loans overdue for three months or more
Lending condition-eased loans
SubtotalStandard loans
Total

At the end of
FY 2024

Thousands of
U.S. Dollars

At the end of
FY 2024

4,287

3,984

26,313

24,695
3,527
―
3,527
32,5102,264,852
2,297,362

24,394
5,525
―
5,525
33,9042,306,733
2,340,637

161,11236,490―36,490223,922
15,235,011
15,458,933

1. Loans to bankrupt parties and rehabilitation and similar cases
Loans to which bankruptcy, reorganization, or rehabilitation procedures have been taken from among loans
whose accrued interests are not recorded in this report (except for a portion of loans write-off, hereinafter,“loans whose accrued interests are not recorded”) under the judgment that their principals and/or interests cannot becollected or repaid, due mainly to the fact that payments of such principals and/or interests have been delayed
for a considerably lengthy period.

2. High-risk loans
High-risk loans include loans where principal and/or interest cannot be collected or received in a manner as agreed
as a result of aggravated financial conditions and operating results, not including loans to bankrupt parties andrehabilitation and similar cases.

3. Loans under management
Loans under management include both loans overdue for three months or more and lending condition-eased loans.

4. Loans overdue for three months or more
Loans for which principal and/or interest payments are overdue for three months or more as accounted from the day
following the due date, not including loans to bankrupt parties and rehabilitation and similar cases and high-riskloans mentioned herein.

5. Lending condition-eased loans
Loans for which repayment condition-easing agreements have been concluded to help management reconstruction or
support debtors, such as reduction and exemption of interest payments, postponement of repayment of principal,
and/or interest payments, debt write-offs, arrangements favorable to debtors, but not including loans to bankrupt
parties and rehabilitation and similar cases, high-risk loans, and loans overdue for three months or more mentioned
herein.

6. Standard loans
Standard loans include those loans in which there are no particular concerns about debtors’ financial conditions andoperating results and are not included in loans to bankrupt parties and rehabilitation and similar cases, high-riskloans, loans overdue for three months or more, and lending condition-eased loans mentioned herein.

15

Financial Statements
MIYAZAKIBANK’14 Statements
INFORMATIONThe
Consolidated
Financialincluded in this report were prepared based on the Consolidated
Financial Statements audited by Deloitte Touche Tohmatsu LLC pursuant to the provisions of Article 396,
Paragraph 1 of the Companies Act and Article 193-2, Paragraph 1 of the Financial Instruments and ExchangeAct.

Non-Consolidated Balance Sheet(Assets)

Millions of Japanese Yen

Cash and due from banks
Cash
Due from banks
Call loans
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 exchange receivable
Other assets
Prepaid expenses
Accrued revenue
Margin deposits for futures transactions
Financial derivatives
Other
Property, plant and equip
Buildings
Land
Lease assets
Construction in progress
Other
Intangible assets
Software
Other
Prepaid pension cost
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Allowance for loan losses
Total assets

16

Thousands of
U.S. Dollars

At the end of
FY 2023

At the end of
FY 2024

At the end of
FY 2024

1,016,791
47,914
968,877
2,270
695,475
22,881
282,930
75,836
69,833
243,994
2,246,429
2,944
33,363
1,954,690
255,431
5,094
4,991
103
24,875
73
3,315
－
219
21,26722,198
7,262
13,093
404
149
1,288
4,472
4,407
64
667
7,183
4,303
(13,141)
4,016,621

925,008
40,946884,062
1,665
830,535
15,937
270,558
75,00588,799380,234
2,289,235
2,860
30,5582,007,440
248,375
3,048
2,953
95
31,595
96
5,460
755
4,448
20,83322,553
7,832
13,083
589
－
1,048
4,424
4,359
64
1,013
361
4,644
(13,532)
4,100,554

6,109,293
270,4315,838,861
10,997
5,485,338
105,257
1,786,923
495,377
586,480
2,511,287
15,119,444
18,889201,823
13,258,305
1,640,413
20,131
19,503627
208,672634
36,061
4,986
29,377
137,593
148,953
51,72786,408
3,890
－
6,922
29,21928,789
423
6,690
2,384
30,672(89,373)
27,082,452

(Liabilities and Net Assets)
Millions of Japanese Yen

Liabilities:
Deposits
Current deposits
Ordinary deposits
Savings deposits
Deposits at noticeTime deposits
Installment savings
Other deposits
Negotiable certificates of deposit
Call money
Securities sold under repurchase agreements
Cash collateral received for securities lent
Borrowed money
Borrowings from other banks
Foreign exchanges
Foreign bills sold
Foreign bills payable
Other liabilities
Domestic exchange settlement account, credit
Income taxes payable
Accrued expenses
Unearned revenue
Reserve for interest on installment savings
Financial derivatives
Lease liabilities
Asset retirement obligations
Other
Provision for bonuses for directors (and other officers)
Provision for retirement benefits
Provision for reimbursement of deposits
Provision for contingent loss
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities

Thousands of
U.S. Dollars

At the end of
FY 2023

At the end of
FY 2024

At the end of
FY 2024

3,085,817
70,331
2,162,581
16,210145
747,548949
88,051
33,674
189,287
7,127
113,698
407,576
407,576132
16
116
11,995
22
－
1,518
2,579
1
2,052
453
162
5,205
35
1,974
237
135
2,168
4,303
3,858,163

3,118,288
76,0242,238,194
15,985
86722,341846
64,81051,72722,21164,561
161,738
473,056
473,05637
15
21
17,302
105
2,879
2,361
2,224
1
1,338
660
192
7,537
28
2,077
155
143
2,104
4,644
3,918,078

20,594,994
502,107
14,782,339
105,574568
4,770,762
5,587
428,043
341,635
146,694
426,399
1,068,212
3,124,338
3,124,338
244
99
139
114,273693
19,015
15,593
14,689
7
8,837
4,359
1,268
49,779185
13,718
1,024
944
13,89630,67225,877,274

14,697
8,771
8,771
132,818
6,473
126,344
117,701
8,643(1,133)
155,153
1,417(1,109)
2,762
3,070
233
158,457
4,016,621

14,6978,771
8,771
137,816
6,473
131,342
123,701
7,641(977)
160,308
16,421
2,981
2,615
22,018148
182,476
4,100,554

97,06857,92957,929910,21742,751
867,459
816,994
50,466(6,453)
1,058,768
108,454
19,68817,271
145,420977
1,205,178
27,082,452

Net assets:
Share capital
Capital surplus
Legal capital surplus
Retained earnings
Legal retained earnings
Other retained earnings
General reserve
Retained earnings brought forward
Treasury shares

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
Share acquisition rights
Total net assets
Total liabilities and net assets

17Non-Consolidated Statement of Income and Retained Earnings
Thousands of
U.S. Dollars

Millions of Japanese Yen

FY 2023
Ordinary income
Interest income
Interest on loans and discounts
Interest and dividends on securities
Interest on call loans
Interest on deposits with banks
Interest income on interest rate swaps
Other interest income
Fees and commissions
Fees and commissions on domestic and foreign exchanges

Other fees and commissions
Other ordinary income
Net gain on trading securities transactions
Gain on sale of bonds
Gain on redemption of bonds
Gain on financial derivatives
Other income
Recoveries of written off receivables
Gain on sale of equity securities
Other
Ordinary expenses
Interest expenses
Interest on deposits
Interest on negotiable certificates of deposit
Interest on call money
Interest expenses on securities sold under
repurchase agreements
Interest expenses on cash collateral received for
securities lentInterest on borrowings and rediscounts
Interest expenses on interest rate 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 foreign exchange transactions
Loss on sale of bonds
Loss on redemption of bonds
Loss on financial derivatives
General and administrative expenses
Other expenses
Provision of allowance for loan losses
Written-off of loans
Loss on sale of equity securities
Loss on devaluation of equity securities
Loss on money held in trust
Other
Ordinary profit
Extraordinary income
Gain on disposal of non-current assets
Extraordinary losses
Loss on disposal of non-current assets
Impairment losses
Profit before income taxes
Income taxes - current
Income taxes - deferred
Total income taxes
Profit18

FY 2024

FY 2024

60,09544,67927,752
16,073112
0－741
10,128
1,863
8,265
1,364
1
1,209
－
153
3,922
98
2,740
1,083
49,006
3,087
117
2
552

62,67043,41028,42913,140
44
0
1,189
606
11,425
1,818
9,606
1,445
0
1,427
18
－
6,389
115
5,188
1,085
53,432
9,719
131
2
413

413,909286,705
187,762
86,784
291
0
7,853
4,002
75,457
12,00763,444
9,544
0
9,425
119
－
42,197760
34,265
7,166
352,896
64,190
865
13
2,728

15

1,947

12,859

2,124

7,191

47,494

0
248
27
5,441
215
5,225
9,539
950
8,421
167
－
24,276
6,660
2,679
177
2,349
1,135
235
83
11,0891
150
23
27
11,040
3,586
(184)
3,402
7,637

4
－
27
5,661
229
5,431
8,889
1,839
6,796
165
88
24,592
4,569
2,191
691
1,026
535
－
124
9,237
86
86
78
78
－
9,245
3,547
(920)
2,626
6,618

26
－
178
37,3891,512
35,86958,70812,14644,885
1,090
581
162,420
30,176
14,471
4,564
6,776
3,533
－
819
61,007
568
568
515
515
－
61,05923,426(6,076)
17,34443,709Non-Consolidated Statement of Changes in Net Assets
Millions of Japanese Yen

FY2023
Shareholders’ equity
Capital surplus

Balance at beginning of period
Changes during period
Dividends of surplus
Provision of general reserve
ProfitPurchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Share capital
14,697

Legal capitalsurplus
8,771

Other capitalsurplus0

Total capitalsurplus
8,772

Legal retained
earnings
6,473

Retained earnings
Other retained earnings
Retained earnings
General reserve
brought forward
113,001
7,606

Total retained
earnings
127,081(1,898)(4,700)7,637(1,898)
－
7,637

11
(13)

11
(13)

1,037
8,643

5,737
132,818

4,700－
14,697

－
8,771

(14)

(14)

13

13

(0)
－

(0)
8,771

－
6,473

4,700
117,701

Millions of Japanese Yen
Shareholders’ equity

Balance at beginning of period
Changes during period
Dividends of surplus
Provision of general reserve
ProfitPurchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Valuation and translation adjustments

Valuationdifference on
Total valuation andTotal shareholders’ available-for-sale Deferred gains or Revaluation reserve
Share acquisitiontranslation
Treasury shares
equityrightssecurities
losses on hedges
for landadjustments(1,191)
149,359
3,143
－
2,773
5,917
236

(1)
59

57
(1,133)(1,898)
－
7,637
(1)
44
11
－
(1,726)(1,726)
1,417

5,794
155,153

19(1,109)(1,109)(1,109)

(11)
(11)
2,762

(2,846)(2,846)
3,070

(2)
(2)
233

Total net assets
155,513(1,898)
－
7,637
(1)
44
11
－
(2,849)2,944
158,457Millions of Japanese Yen

FY2024
Shareholders’ equity
Capital surplus

Balance at beginning of period
Changes during period
Dividends of surplus
Provision of general reserve
ProfitPurchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Share capital
14,697

Legal capitalsurplus
8,771

Other capitalsurplus－

Total capitalsurplus
8,771

Legal retained
earnings
6,473

Retained earnings
Other retained earnings
Retained earnings
General reserve
brought forward
117,701
8,643

Total retained
earnings
132,818(1,729)(6,000)6,618(1,729)
－
6,618

146
(37)

146
(37)

(1,001)
7,641

4,998
137,816

6,000－
14,697

－
8,771

(37)

(37)

37

37

－
－

－
8,771

－
6,473

6,000
123,701

Millions of Japanese Yen
Valuation and translation adjustments

Shareholders’ equity

Balance at beginning of period
Changes during period
Dividends of surplus
Provision of general reserve
ProfitPurchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Valuation
Total valuation anddifference ontranslation
Total shareholders’ available-for-sale Deferred gains or Revaluation reserve
Share acquisition
adjustments
equityTreasury shares
securities
losses on hedges
for landrights(1,133)
155,153
1,417(1,109)
2,762
3,070
233

(2)
158

156
(977)

(1,729)
－
6,618
(2)
121
146
－
15,00415,004
16,421

5,154
160,308

20

4,090
4,090
2,981

(146)
(146)
2,615

18,94818,94822,018

(84)
(84)
148

Total net assets
158,457(1,729)
－
6,618
(2)
121
146
－
18,86324,018
182,476

Thousands of U.S. Dollars

FY2024
Shareholders’ equity
Capital surplus

Balance at beginning of period
Changes during period
Dividends of surplus
Provision of general reserve
ProfitPurchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Share capital
97,068Legal capitalsurplus57,929Other capitalsurplus－

Total capitalsurplus57,929Legal retained
earnings
42,751Retained earnings
Other retained earnings
Retained earnings
General reserve
brought forward
777,366
57,083

Total retained
earnings
877,208(11,419)(39,628)
43,709(11,419)－
43,709

964
(244)

964
(244)

(6,611)50,46633,010910,217

39,628－97,068－57,929

(244)

(244)

244

244

－
－

－
57,929－42,751

39,628816,994

Thousands of U.S. Dollars
Valuation and translation adjustments

Shareholders’ equity

Balance at beginning of period
Changes during period
Dividends of surplus
Provision of general reserve
ProfitPurchase of treasury shares
Disposal of treasury shares
Reversal of revaluation reserve for land
Transfer from retained earnings to capital surplus
Net changes in items other than shareholders’ equity
Total changes during period
Balance at end of period

Total shareholders’
Treasury shares
equity(7,483)
1,024,721

(13)
1,044

1,030
(6,453)

Valuationdifference on
available-for-salesecurities
9,359

Deferred gains or Revaluation reserve
losses on hedges
for land(7,324)
18,242

Total valuation andtranslation
adjustments
20,276

Share acquisitionrights1,539

Total net assets
1,046,543

(555)
(555)
977

(11,419)－
43,709
(13)
799
964
－
124,582
158,629
1,205,178(11,419)－
43,709
(13)
799
964
－
99,09599,095
108,454

34,0401,058,768

21

27,01327,013
19,688(964)(964)
17,271

125,144
125,144
145,420

Consolidated Capital Adequacy Ratio (Domestic Standards)
Thousands of U.S.
Dollars, %Millions of Japanese Yen, %Years ended March 31
Items
Core Capital: instruments and reserves
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capital plus
related capital surplus and retained earningsof which: share capital and capital surplusof which: retained earningsof which: treasury stock (－)
of which: planned distribution of income (－)
of which: other than the above
Accumulated other comprehensive income included in Core Capitalof which: foreign currency translation adjustmentof which: retirement benefits
Subscription rights to acquire common stock or preferred stock mandatorily convertible into common
stockAdjusted non-controlling interests, etc. (amount allowed to be included in Core Capital)
Reserves included in Core Capital: instruments and reservesof which: general reserve for possible loan lossesof which: eligible reserve
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital:
instruments and reserves
Eligible capital instrument subject to transitional arrangement included in Core Capital: instruments and reserves
Capital instrument issued through the measures for strengthening capital by public institutions included in Core
Capital: instruments and reserves

45% of revaluation reserve for land included in Core Capital: instruments and reserves
Non-controlling interests included in Core Capital subject to transitional arrangementsCore Capital: instruments and reserves (A)Core Capital: regulatory adjustments
Total intangible assets (net of related tax liability, excluding those relating to mortgage servicing rights)

of which: goodwill (including those equivalent)of which: other intangible assets other than goodwill and mortgage servicing rights
Deferred tax assets that rely on future profitability excluding those arising from temporary differences(net of related tax liability)
Shortfall of eligible provisions to expected losses
Capital increase due to securitization transactions
Gains and losses due to changes in own credit risk on fair valued liabilities
Retirement benefit asset
Investments in own shares (excluding those reported in the net assets)
Reciprocal cross-holdings in capital instruments issued by other financial institutions for raising capital that are heldby the Bank and subsidiaries
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory
consolidation (“other financial institutions”), net of eligible short positions, where the bank does not own more than
10% of the issued share capital (“non-significant investment”) (amount above the 10% threshold)Amount exceeding the 10% threshold on specified itemsof which: significant investments in the common stock of other financial institutions, net of eligible
short positionsof which: mortgage servicing rightsof which: deferred tax assets arising from temporary differences (net of related tax liability)
Amount exceeding the 15% threshold on specified itemsof which: significant investments in the common stock of other financial institutions, net of eligible
short positionsof which: mortgage servicing rightsof which: deferred tax assets arising from temporary differences (net of related tax liability)
Core Capital: regulatory adjustments (B)Total capital
Total capital ((A)－(B)) (C)Risk-weighted assets
Credit risk-weighted assetsof which: total of items included in risk-weighted assets subject to transitional arrangementsof which: other financial institutions exposuresof which: other than the above
Amount equivalent to market risk × 12.5
Amount equivalent to operational risk × 12.5
Credit risk-weighted assets adjustments
Amount equivalent to operational risk adjustments
Total amount of risk-weighted assets (D)Capital adequacy ratio (consolidated)
Capital adequacy ratio (consolidated) ((C)/(D))

22

At the end of FY2023

At the end of FY2024

At the end of FY2024

159,408

165,098

1,090,404

27,476
133,929
1,133
863
－
(485)
－
(485)

27,476
139,464
977
865
－
1,720
－
1,720

181,468
921,102
6,453
5,713
－
11,360－11,360

233

148

977

－
2,477
2,477
－

－
4,378
4,378
－

－
28,91528,915
－

－

－

－

－

－

－

－

－

－

221
－
161,856－－
171,345－－
1,131,662

4,547
－
4,547

4,531
－
4,531

29,925－29,925

－

9

59

－
－
－
－
－

－
－
－
1,918
－

－
－
－
12,668
－

－

－

－

－

－

－

－

－

－

－

－

－

－
－
－

－
－
－

－
－
－

－

－

－

－
－
4,547

－
－
6,459

－
－
42,659157,309

164,885

1,088,997

1,679,117
4,930
－
4,930
－
87,107－－
1,766,225

1,731,229－－－－
86,918－－1,818,148

11,434,047－－－－
574,057－－
12,008,110

8.90

9.06

9.06

Non-Consolidated Capital Adequacy Ratio (Domestic Standards)
Thousands of U.S.
Dollars, %Millions of Japanese Yen, %Years ended March 31
Items
Core Capital: instruments and reserves
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capital plus
related capital surplus and retained earnings

At the end of FY2023

At the end of FY2024

At the end of FY2024

154,290

159,442

1,053,048

of which: share capital and capital surplusof which: retained earningsof which: treasury stock (－)
of which: planned distribution of income (－)
of which: other than the above
Subscription rights to acquire common stock or preferred stock mandatorily convertible into common
stock
Reserves included in Core Capital: instruments and reservesof which: general reserve for possible loan lossesof which: eligible reserve
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core
Capital: instruments and reserves
Eligible capital instrument subject to transitional arrangement included in Core Capital: instruments andreserves
Capital instrument issued through the measures for strengthening capital by public institutions included inCore Capital: instruments and reserves
45% of revaluation reserve for land included in Core Capital: instruments and reserves

23,468132,818
1,133
863
－

23,468137,816
977
865－

154,996910,217
6,453
5,713
－

Core Capital: instruments and reserves (A)Core Capital: regulatory adjustments
Total intangible assets (net of related tax liability, excluding those relating to mortgage servicing rights)

of which: goodwill (including those equivalent)of which: other intangible assets other than goodwill and mortgage servicing rights
Deferred tax assets that rely on future profitability excluding those arising from temporary differences(net of related tax liability)
Shortfall of eligible provisions to expected losses
Capital increase due to securitization transactions
Gains and losses due to changes in own credit risk on fair valued liabilities
Prepaid pension cost
Investments in own shares (excluding those reported in the net assets)
Reciprocal cross-holdings in capital instruments issued by other financial institutions for raising capitalthat are held by the Bank
Investments in the capital of banking, financial and insurance entities that are outside the scope of
regulatory consolidation (“other financial institutions”), net of eligible short positions, where the bankdoes not own more than 10% of the issued share capital (“non-significant investment”) (amount above the
10% threshold)Amount exceeding the 10% threshold on specified itemsof which: significant investments in the common stock of other financial institutions, net of eligible
short positionsof which: mortgage servicing rightsof which: deferred tax assets arising from temporary differences (net of related tax liability)
Amount exceeding the 15% threshold on specified itemsof which: significant investments in the common stock of other financial institutions, net of eligible
short positionsof which: mortgage servicing rightsof which: deferred tax assets arising from temporary differences (net of related tax liability)
Core Capital: regulatory adjustments (B)Total capital
Total capital ((A)－(B)) (C)Risk-weighted assets
Credit risk-weighted assetsof which: total of items included in risk-weighted assets subject to transitional arrangementsof which: other financial institutions exposuresof which: other than the above
Amount equivalent to market risk × 12.5
Amount equivalent to operational risk × 12.5
Credit risk-weighted assets adjustments
Amount equivalent to operational risk adjustments
Total amount of risk-weighted assets (D)Capital adequacy ratio (non-consolidated)
Capital adequacy ratio (non-consolidated) ((C)/(D))

23

233

148

977

2,281
2,281
－

4,136
4,136
－

27,31727,317
－

－

－

－

－

－

－

－

－

－

221
157,027－
163,728－
1,081,355

4,472
－
4,472

4,424
－
4,424

29,219－29,219

－

－

－

－
－
－
464
－

－
－
－
704
－

－
－
－
4,650
－

－

－

－

－

－

－

－

－

－

－

－

－

－
－
－

－
－
－

－
－
－

－

－

－

－
－
4,936

－
－
5,128

－
－
33,868152,090

158,599

1,047,480

1,670,231
4,930
－
4,930
－
84,213－－
1,754,444

1,720,495－－－－
83,935－－
1,804,431

11,363,153－－－－
554,356－－
11,917,515

8.66

8.78

8.78