Financial Statements
For the First Quarter Ended June 30,2011

THE JOYO BANK, LTD.

THE JOYO BANK, LTD.

Table of Contents

CONSOLIDATED FINANCIAL INFORMATION
１．Consolidated Balance sheets････････････････････････････････････････１
２．Consolidated Statements of Income andConsolidated Statements of Comprehensive Income･･･････････････････２(Note)
Information presented herein has been extracted from the original material, solely forthe convenience of the readers outside Japan.
The amounts presented herein have not been audited.

THE JOYO BANK, LTD.
C O N SO LID A TE D FIN A N C IA L IN FO R M A TIO N

１ ． Consolidated Balance sheets

AssetsCash and due from banks
Call loans and bills bought
M onetary claim s bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Lease receivables and investm ent assets
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Custom ers' liabilities for acceptances and guarantees
Allow ance for loan losses
Allow ance for investm ent loss
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call m oney and bills soldPayables under securities lending transactions
Trading liabilities
Borrow ed m oney
Foreign exchanges
Bonds payable
Borrow ed m oney from trust account
Other liabilities
Provision for retirem ent benefits
Provision for directors' retirem ent benefits
Provision for reim bursem ent of deposits
Provision for point card certificates
Provision for loss on interest repaym ent
Provision for contingent loss
Reserves under the special laws
Deferred tax liabilities for land revaluation
Negative goodwill
Acceptances and guarantees
Total liabilities
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 accum ulated other com prehensive incom e
Subscription rights to shares
M inority interests
Total net assets
Total liabilities and net assets
1

A s of M ar.
31,2011(M illions of yen)A s of Jun.
30,2011

251,437―
37,755
7,675
2,187,773
4,769,896
7,816
28,52048,64894,455
8,237
25,857
21,373△ 50,838△ 303
7,438,307

685,0111,270
35,0103,393
2,195,256
4,728,758
1,631
27,75260,87593,727
8,255
27,576
20,982△ 52,197△ 303
7,837,002

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

7,181,485
12,613
3,428
11,134264
78,958242
5,000
672,205
5,221
15
1,567
148
9
1,967
1
13,921
2,409
20,982
7,411,584

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
269,285△ 25,857
387,114
27,816△ 2,482
10,93236,266
83
1,953
425,418
7,837,002

THE JOYO BANK, LTD.

２．Consolidated Statements of Income andComprehensive Income(Consolidated Statements of Income)Consolidated Statements of(Millions of yen)
1QFY2010(3 months)

Ordinary 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
Recoveries of written-off claims
Extraordinary loss
Loss on disposal of noncurrent 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

1QFY2011(3 months)

42,541
27,763
20,891
6,628
11
5,873
162
3,710
5,020
31,094
2,373
1,839
1,698
397
18,8397,78511,447
445
445
57
23
34
0
11,834
395
3,325
3,721
8,113
57
8,056

40,277
26,762
19,380
7,074
16
5,621
97
2,166
5,612
31,585
1,659
1,170
1,677
23
18,723
9,501
8,691
―
―
126
42
83
0
8,565
2,882
△284
2,597
5,967
95
5,872

(Consolidated Statements of Comprehensive Income)(Millions of yen)
1QFY2010(3 months)

Income before minority interests
Other comprehensive income
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Comprehensive income
Comprehensive income attributable to owners of the parent
Comprehensive income attributable to minority interests
28,113△6,135△5,583△551
1,978
1,92157

1QFY2011(3 months)

5,967△2,491△2,313△178
3,475
3,38194