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
BuildingsLandConstruction in progress
Other
Intangible assets
Software
OtherRetirement benefit asset
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Allowance for loan losses
Total assets

4

Millions of Japanese Yen

Thousands ofU.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 ofFY 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 ofU.S. Dollars

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

At the end ofFY 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 ofU.S. Dollars

FY 2023
66,12744,80927,735
16,0691120892
10,112
7,341
3,862
98
3,764
54,278
3,080
117
2552

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
1413

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
11,8481151
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 ofU.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’equity153,988
68(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
ValuationotherRemeasurements ofdifference on
Share acquisition
comprehensive
available-for-sale Deferred gains or Revaluation reserve defined benefit
rightsincomeplanssecurities
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’equity
160,340(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
ValuationotherRemeasurements 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
19,68810(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 assets1,077,597

(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 ofU.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

57376

(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