Interim Financial Information
for Fiscal Year 2022
(Ended September 30，2022)(Summary)

THE 77 BANK, LTD.

INTERIM FINANCIAL INFORMATIONFOR FISCAL YEAR 2022
(ENDED SEPTEMBER 30，2022)(Summary)

CONTENTS

PAGE

Ｉ． Interim Consolidated Information
1. Interim Consolidated Balance Sheets………… 1

2. Interim Consolidated Statements of Income
and Consolidated Interim Statements of Comprehensive Income ………… 3
3. Interim Consolidated Statements of Changes in Net Assets………… 5

4. Interim Consolidated Statements of Cash Flows………… 7

5. Segment Information………… 9Ⅱ． Interim Non-consolidated Information
1. Interim Non-consolidated Balance Sheets………… 10

2. Interim Non-consolidated Statements of Income………… 12

3. Interim Non-consolidated Statements of Changes in Net Assets ………… 13
Ⅲ． Explanatory Materials to Interim Financial Report
1. Interim Financial Data………… 17

2. Condition of Assets,etc………… 19

3. Condition of Securities Portfolio………… 23

Ｉ．Interim Consolidated Information
1.Interim Consolidated Balance Sheets(Millions of Yen)
Item
Assets:

科目(Japanese)

As of
MAR.31, 2022

As of
SEP.30, 2022

（資産の部）Cash and due from banks

現金預け金Dept purchased

1,968,005

1,309,356

買入金銭債権

2,000

4,000

Trading account securities

商品有価証券

20,361

14,528

Money held in trust

金銭の信託

106,816

103,933

Investment securities

有価証券

3,122,322

3,064,233

Loans and bills discounted

貸出金

5,329,342

5,445,654

Foreign exchange assets

外国為替

7,038

9,434

Lease receivables and investment assets

リース債権及びリース
投資資産

20,523

20,791Other assets

その他資産

108,636

105,162

Tangible fixed assets

有形固定資産31,65030,652Intangible fixed assets

無形固定資産313

149

Deferred tax assets

繰延税金資産915

2,006

Customers' liabilities for acceptances andguarantees

支払承諾見返33,35534,285Reserve for loan losses

貸倒引当金(63,114)(65,276)

Total assets

資産の部合計10,688,166

10,078,911

Note: The amounts are rounded down to the nearest million.

-1-

(Millions of Yen)
科目
(Japanese)

Item
Liabilities:

As of
MAR.31, 2022

As of
SEP.30, 2022

（負債の部）

Deposits

預金

Negotiable certificates of deposit

8,606,923

8,436,878

譲渡性預金

212,820

315,540

Call money and bills soldPayables under securities lendingtransactions
Borrowed money

コールマネー及び売渡手形

29,1287,240

債券貸借取引受入担保金

1,251

1,409

1,168,093

677,264

Foreign exchange liabilities

外国為替

180

158

Other liabilities

その他負債

90,206103,67087－

退職給付に係る負債

15,793

14,701

Liability for directors' and corporate auditors'
役員退職慰労引当金
retirement benefits

43

31

Reserve for stock benefits

株式給付引当金

893

850

Reserve for reimbursement of deposits

睡眠預金払戻損失引当金

238

221

Reserve for contingent losses

偶発損失引当金

789

788

Reserves under special laws

特別法上の引当金00Deferrd tax liabilities

繰延税金負債

15,044111

Acceptances and guarantees

支払承諾33,35534,285

Total liabilities

負債の部合計10,174,850

9,593,151

借用金Liability for bonus for directors and corporate
役員賞与引当金
auditors
Liability for employees' retirement benefits

Net assets:(純資産の部)

Common stock

資本金24,65824,658

Capital surplus

資本剰余金20,07520,075Retained earnings

利益剰余金392,541

402,522

Treasury stock

自己株式(6,445)(6,323)

Total stockholders' equity

株主資本合計430,831440,933

Unrealized gains on available-for-salesecurities
Deferred gains (losses) on derivatives underhedge accounting

その他有価証券
評価差額金

87,42549,188

繰延ヘッジ損益

(134)

(45)

Defined retirement benefit plans(4,805)(4,316)

Total accumulated other comprehensive
income

退職給付に係る調整累計額
その他の包括利益累計額合計

82,48544,826

Total net assets

純資産の部合計

513,316

485,759

10,688,166

10,078,911

Total liabilities and net assets

負債及び純資産の部合計

Note: The amounts are rounded down to the nearest million.

-2-2.Interim Consolidated Statements of Income
and Consolidated Interim Statements of Comprehensive Income
Interim Consolidated Statements of Income(Millions of Yen)
Item

科目
（Japanese）

For the six
months ended
SEP.30, 2021

For the six
months ended
SEP.30, 2022

Ordinary income

経常収益61,59461,098Interest income

資金運用収益37,337

38,691[Interest on loans and discounts][うち貸出金利息][20,965 ] [22,501 ][Interest and dividends on trading
account and investment securities][うち有価証券利息配当金] [15,967 ] [15,434 ]Fees and commissions

役務取引等収益

9,689

9,644

Other operating income

その他業務収益

7,261

7,287

Other income

その他経常収益

7,305

5,474

Ordinary expenses

経常費用

43,16941,298Interest expenses

資金調達費用309

380[Interest on deposits][うち預金利息]

82 ] [

131 ]Fees and commissions

役務取引等費用

2,444

2,438

Other operating expenses

その他業務費用

10,624

8,068

General and administrative expenses

営業経費

27,09425,950

Other expenses

その他経常費用

2,696

4,461

Ordinary profits

経常利益

18,424

19,799Extraordinary income

特別利益

－

－

Extraordinary loss

特別損失

421

318

Impairment loss

減損損失

421

318

Transfer to reserve for financial products
transaction liabilities

金融商品取引責任準備金繰入額

00

税金等調整前中間純利益

18,002

19,480

Income taxes - current

法人税、住民税及び事業税

5,502

6,307

Income taxes - deferred

法人税等調整額317

204

Total Income taxes

法人税等合計

5,819

6,512

Net income

中間純利益

12,183

12,968Net income attributable to owners of theparent

親会社株主に帰属する
中間純利益

12,183

12,968

Income before income taxes and minority
interests

Note: The amounts are rounded down to the nearest million.

-3-[

Consolidated Interim Statements of Comprehensive Income(Millions of Yen)
Item

科目
（Japanese）

For the six
months ended
SEP.30, 202１

For the six
months ended
SEP.30, 2022

Net income

中間純利益

12,183

12,968Other comprehensive income

その他の包括利益

5,720(37,658)

5,172(38,236)

Unrealized gains(losses) on availabele-forその他有価証券評価差額金
sale securities
Deferred gains (losses) on derivatives
under hedge accounting

繰延ヘッジ損益

82

89

Defined retirement benefit plans

退職給付に係る調整額

464

489

Comprehensive income

中間包括利益17,903(24,689)

Comprehensive income attributable toowners of the parent

親会社株主に係る中間包括利益

17,903(24,689)

Note: The amounts are rounded down to the nearest million.

-4-3.Interim Consolidated Statements of Changes in Net Assets

For the six months ended Sep.30,2021 (from April 1, 2021 to September 30, 2021)(Millions of Yen)
Stockholders' equity

Item（Japanese)

Common stock

Capital surplus

資本金

資本剰余金

Retainedearnings

Treasury stock

Total
stockholders'equity

自己株式

株主資本合計株主資本
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

24,65820,517

利益剰余金
374,218(6,972)

412,421(1,856)(1,856)

12,183

12,183

(441)

(514)

(514)

1,042

601

－

(441)

10,326528

10,41424,65820,075384,545(6,444)

422,835

Note: The amounts are rounded down to the nearest million.
(Millions of Yen)
Accumulated other comprehensive income

Item（Japanese)

Unrealized gain on
available-for-salesecurities

Deferred gains(losses) on
derivatives
under hedge
accounting

Definedretirement
benefit plans

Total
accumulated
othercomprehensive
incomeTotal net
assets

その他の包括利益累計額
その他有価証券
評価差額金
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

繰延ヘッジ損益

退職給付に係る調整累計額

その他の包括利益
累計額合計

(375)

(5,265)100,916

106,557

純資産合計

513,337(1,856)
12,183
(514)
601

5,172

82

464

5,720

5,720

5,172

82

464

5,720

16,134

111,730(292)(4,800)106,636

529,471

Note: The amounts are rounded down to the nearest million.

-5-For the six months ended Sep.30,2022 (from April 1, 2022 to September 30, 2022)(Millions of Yen)
Stockholders' equity

Item（Japanese)

Common stock

Capital surplus

資本金

資本剰余金

Retainedearnings

Treasury stock

Total
stockholders'equity

自己株式

株主資本合計株主資本
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

24,65820,075

利益剰余金392,541(6,445)

430,831(2,988)(2,988)

12,968

12,968

(0)

(1)

(1)

123

123

－

(0)

9,980

121

10,101

24,65820,075402,522(6,323)440,933

Note: The amounts are rounded down to the nearest million.
(Millions of Yen)
Accumulated other comprehensive income

Item（Japanese)

Unrealized gain on
available-for-salesecurities

Deferred gains(losses) on
derivatives
under hedge
accounting

Definedretirement
benefit plans

Total
accumulated
othercomprehensive
incomeTotal net
assets

その他の包括利益累計額
その他有価証券
評価差額金
Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Net income
親会社株主に帰属する
attributable to owners 中間純利益
Purchase of treasury
自己株式の取得
stock
Disposal of treasury
自己株式の処分
stock
Net changes of items
株主資本以外の項目のother than
当中間期変動額(純額)
shareholders'equity
Total changes of items
当中間期変動額合計
during the period
Balance at the end of
当中間期末残高current period

繰延ヘッジ損益

退職給付に係る調整累計額

その他の包括利益
累計額合計

(134)

(4,805)82,48587,425

純資産合計

513,316(2,988)
12,968(1)
123(38,236)89

489(37,658)(37,658)(38,236)89

489(37,658)(27,556)

49,188(45)(4,316)44,826

485,759

Note: The amounts are rounded down to the nearest million.

-6-4.Interim Consolidated Statements of Cash Flows(Millions of Yen)

Ⅰ.Operating activities:

For the six
months ended
Sep.30,2021

For the six
months ended
Sep.30,2022

営業活動によるｷｬｯｼｭ･ﾌﾛｰ

Income before income taxes and minority
interests

税金等調整前中間純利益

18,002

19,480Depreciation and amortization

減価償却費

1,670

1,388

Impairment loss

減損損失

421

318

Change in reserve for loan losses

貸倒引当金の増減

846

2,161

Change in reserve for contingent losses

偶発損失引当金の増減

(24)

(0)

Change in liability for bonus for directors andcorporate auditors

役員賞与引当金の増減額

(68)

(87)

Change in liability for employees' retirement
benefits

退職給付に係る負債の増
減額

(377)

(388)

Change in liability for directors' and corporate
auditors' retirement benefits

役員退職慰労引当金の増
減額

0

(12)

Change in reserve for stock benefits

株式給付引当金の増減

(9)

(42)

Change in reserve for reimbursement of deposits

睡眠預金払戻損失引当金
の増減

(29)

(17)

Interest income

資金運用収益(37,337)(38,691)

Interest expense

資金調達費用309

380

Losses(gains) on investment securities - net

有価証券関係損益429(1,659)Gains on money held in trust - net

金銭の信託の運用損益(1,352)(201)

Foreign exchange gains (losses) -net

為替差損益

(655)

(24,477)

Gains on disposals of fixed assets

固定資産処分損益127

87

Net change in loans and bills discounted

貸出金の純増減(58,721)(116,311)

Net change in deposits

預金の純増減(83,246)(170,045)

Net change in negotiable certificates of deposit

譲渡性預金の純増減

29,440102,720

Net change in borrowed money

借用金（劣後特約付借入金を除く）の純増減

424,191(490,828)

Net change in due from banks

預け金(日銀預け金を除く）の純増減(9,632)(1,761)

Net change in call loans and others

ｺｰﾙﾛｰﾝ等の純増減

0(2,000)Net change in call money and others

ｺｰﾙﾏﾈｰ等の純増減－(21,888)

Net change in payable under securities lendingtransactions

債券貸借取引受入担保金の純増減(24,668)

158

Net change in trading account securities

商品有価証券の純増減

(644)

5,833

Net change in foreign exchange assets

外国為替(資産)の純増減(558)(2,396)

Net change in foreign exchange liabilities

外国為替(負債)の純増減

(80)

(22)

Net change in lease receivables and investments
in leases

リース債権及びリース投資資産の純増減

(551)

(267)

Interest received

資金運用による収入

38,93339,433

Interest paid

資金調達による支出

(361)

(386)

Other - net

その他

5,820

9,244

Sub total

小計

301,874(690,280)

Income taxes―paid

法人税等の支払額(1,971)(6,956)299,903(697,236)

Net cash provided by (used in) operating activities

営業活動によるｷｬｯｼｭ･ﾌﾛｰ

Note: The amounts are rounded down to the nearest million.

-7-

(Millions of Yen)

Ⅱ.Investing activities:

For the six
months ended
Sep.30,2021

For the six
months ended
Sep.30,2022

投資活動によるｷｬｯｼｭ･ﾌﾛｰ

Purchases of investment securities

有価証券の取得による支出(326,291)(208,893)

Proceeds from sales of investment securities

有価証券の売却による収入

141,763

87,132

Proceeds from maturity of investment securities

有価証券の償還による収入

175,087

162,093

Purchases of tangible fixed assets

有形固定資産の取得による支出(1,170)(918)

Proceeds from sales of tangible fixed assets

有形固定資産の売却に
よる収入

16

358

Purchases of intangible fixed assets

無形固定資産の取得に
よる支出

(3)

(0)

Payments for asset retirement obligations

資産除去債務の履行に
よる支出

(77)

－

(10,675)

39,771

Net cash （used in) provided by investing activities

投資活動によるｷｬｯｼｭ･ﾌﾛｰ

Ⅲ.Financing activities:

財務活動によるｷｬｯｼｭ･ﾌﾛｰ

Purchases of treasury stock

自己株式の取得による支出

(514)

(1)

Proceeds from sales of treasury stock

自己株式の売却による収入

513

0

Dividends paid

配当金の支払額(1,853)(2,984)

Net cash used in financing activities

財務活動によるｷｬｯｼｭ･ﾌﾛｰ(1,854)(2,985)

Ⅳ.Foreign currency translation adjustments on
cash and cash equivalents

現金及び現金同等物に係る換算差額039

Ⅴ.Net increase(decrease)in cash and cash
equivalents

現金及び現金同等物の増減額
現金及び現金同等物の期
首残高

287,374(660,410)

1,366,991

1,955,622

1,654,365

1,295,211

Ⅵ.Cash and cash equivalents，beginning of term
Ⅶ.Cash and cash equivalents，end of term

現金及び現金同等物の中間期末残高Note: The amounts are rounded down to the nearest million.

-8-5.Segment Information
The Companies are principally engaged in the banking business and also leasing business and other financial services.The reportable segments of the
Bank are the segments for which separate financial information is available,and are subject to periodic review by the chief operating decision maker todetermine the allocation of management resources and assess peformance.
Segment information is omitted because the reportable segments of the Companies consist only of the “Banking”segment and since the“Other”
segment is immaterial.

-9-

Ⅱ.Interim Non-consolidated Information

1.Interim Non-consolidated Balance Sheets (Parent Company)(Millions of Yen)
Item
Assets:

科目(Japanese)

As of
MAR.31, 2022

As of
SEP.30, 2022

（資産の部）Cash and due from banks

現金預け金Dept purchased

1,967,884

1,309,253

買入金銭債権

2,000

4,000

Trading account securities

商品有価証券

20,361

14,528

Money held in trust

金銭の信託

106,816

103,933

Investment securities

有価証券

3,131,754

3,073,815

Loans and bills discounted

貸出金

5,340,224

5,457,429

Foreign exchange assets

外国為替

7,038

9,434

Other assets

その他資産

83,97778,763

Tangible fixed assets

有形固定資産31,37030,405Intangible fixed assets

無形固定資産259

105

Prepaid pension costs

前払年金費用115

300

Customers' liabilities for acceptances andguarantees

支払承諾見返33,35534,285Reserve for loan losses

貸倒引当金(59,159)(61,295)

Total assets

資産の部合計10,665,997

10,054,959

Note: The amounts are rounded down to the nearest million.

- 10 -

(Millions of Yen)
科目
(Japanese)

Item
Liabilities:

As of
MAR.31, 2022

As of
SEP.30, 2022

（負債の部）

Deposits

預金

Negotiable certificates of deposit
Call money

8,620,534

8,450,756

譲渡性預金

225,820

328,540

コールマネー

29,128

7,240

1,251

1,409

1,158,797

666,452

Payables under securities lending transactions 債券貸借取引受入担保金
Borrowed money

借用金

Foreign exchange liabilities

外国為替

180

158

Other liabilities

その他負債

69,29082,963

Income tax payable

未払法人税等

4,691

4,162

Lease obligations

リース債務

24

15

Asset retirement obligations

資産除去債務

610

616

Other

その他の負債

63,96378,168

Liability for bonus for directors and corporate
auditors

役員賞与引当金66－

Liability for employees' retirement benefits

退職給付引当金

8,836

8,648

Reserve for stock benefits

株式給付引当金

893

850

Reserve for reimbursement of deposits

睡眠預金払戻損失引当金

238

221

Reserve for contingent losses

偶発損失引当金

789

788

Deferred tax liabilities

繰延税金負債

17,043817

Acceptances and guarantees

支払承諾33,35534,285

10,166,225

9,583,132

Total liabilities

負債の部合計Net assets:(純資産の部)

Common stock

資本金24,65824,658

Capital surplus

資本剰余金

8,496

8,496

Legal capital surplus

資本準備金

7,835

7,835

Other capital surplus

その他資本剰余金

661

661

利益剰余金

385,490395,539

Legal retained earnings

利益準備金24,65824,658Other retained earnings

その他利益剰余金

360,831

370,880668

658

Retained earnings

Reserve for advanced depreciation of
noncurrent assets

固定資産圧縮積立金

General reserve

別途積立金

337,305

350,805

Retained earnings brought forward

繰越利益剰余金

22,85819,416

Treasury stock

自己株式(5,605)(5,483)

Total stockholders' equity

株主資本合計413,040

423,210

Unrealized gains on available-for-salesecurities
Deferred gains (losses) on derivatives underhedge accounting

その他有価証券
評価差額金

86,866

48,661

繰延ヘッジ損益

(134)

(45)

Total valuation and translation adjustments

評価・換算差額等合計

86,731

48,615

Total net assets

純資産の部合計

499,771

471,826

Total liabilities, and net assets

負債及び純資産の部合計

10,665,997

10,054,959

Note: The amounts are rounded down to the nearest million.

- 11 -

2.Interim Non-consolidated Statements of Income (Parent Company)(Millions of Yen)
Item

科目
（Japanese）

For the six
months ended
SEP.30, 2021

For the six
months ended
SEP.30, 2022

Ordinary income

経常収益55,21554,537

Interest income

資金運用収益38,056

39,419[Interest on loans and discounts][うち貸出金利息][20,947 ] [22,490 ][Interest and dividends on trading
account and investment securities][うち有価証券利息配
当金][16,705 ] [16,173 ]Fees and commissions

役務取引等収益

9,330

9,241

Other operating income

その他業務収益552

357

Other income

その他経常収益

7,275

5,517

Ordinary expenses

経常費用

37,69035,042

Interest expenses

資金調達費用295

363[Interest on deposits][うち預金利息]

82 ] [

131 ]Fees and commissions

役務取引等費用

2,953

2,957

Other operating expenses

その他業務費用

6,187

3,096

General and administrative expenses

営業経費

25,57924,295

Other expenses

その他経常費用

2,674

4,328

Ordinary profits

経常利益

17,524

19,494Extraordinary income

特別利益

－

－

Extraordinary loss

特別損失

421

318

Income before income taxes

税引前中間純利益

17,103

19,176

Income taxes - current

法人税、住民税
及び事業税

4,980

5,938

Income taxes - deferred

法人税等調整額285

200

Total income taxes

法人税等合計

5,266

6,138

Net income

中間純利益11,836

13,037

Note: The amounts are rounded down to the nearest million.

- 12 -[

3.Interim Non-consolidated Statements of Changes in Net Assets (Parent Company)

For the six months ended Sep.30,2021(from April 1, 2021 to September 30, 2021)(Millions of Yen)
Stockholders' equity
Capital surplus

Retained earnings
Other retained earnings

Commonstock
Item（Japanese)

Legalcapitalsurplus

OthercapitalsurplusTotal
capitalsurplusLegalretainedearnings

Reserve foradvanceddepreciationof noncurrent
assetsGeneralreserve

Retainedearnings
brought
forwardTotal
retainedearnings

株主資本
資本剰余金
資本金

Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reser‐ve
固定資産圧縮積立金のfor advanced
取崩depreciation ofProvision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period

24,658

利益剰余金
その他利益剰余金

資本準備金

その他
資本剰余金

資本剰余金
合計

利益準備金

固定資産
圧縮積立金

別途積立金

繰越利益
剰余金

7,835

1,102

8,937

24,658687

326,305

16,972368,623(1,856)(1,856)

9－(11,000)－

11,836

11,836(9)
11,000

中間純利益

利益剰余金
合計

自己株式の取得
自己株式の処分

(441)

(441)

株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高

－

－

(441)

(441)

－

(9)

11,000(1,010)9,979

24,658

7,835

661

8,496

24,658678

337,305

15,961

378,603

Note: The amounts are rounded down to the nearest million.

- 13 -

(Millions of Yen)
Stockholders' equity

Item（Japanese)

Valuation and translation adjustments
Deferred gains
Total
Unrealized gain on
Total valuation(losses) on
Treasurystockholders' available-for-saleand translation
derivatives
stock
equitysecurities
adjustments
under hedge
accounting
株主資本評価・換算差額等
自己株式

Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reserve for
固定資産圧縮積立金のadvanced depreciation
取崩of noncurrent assets
Provision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period(6,132)

中間純利益

株主資本
合計

その他有価証券
評価差額金

396,087

106,085

繰延ヘッジ
損益
(375)

評価・換算
差額等合計
105,709

Total net
assets

純資産合計
501,797(1,856)(1,856)

－

－

－

－

11,836

11,836

自己株式の取得

(514)

(514)

(514)

自己株式の処分

1,042

601

601

株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高

5,141

82

5,223

5,223

528

10,066

5,141

82

5,223

15,290(5,603)406,154

111,226(292)

110,933

517,087

Note: The amounts are rounded down to the nearest million.

- 14 -

For the six months ended Sep.30,2022(from April 1, 2022 to September 30, 2022)(Millions of Yen)
Stockholders' equity
Capital surplus

Retained earnings
Other retained earnings

Commonstock
Item（Japanese)

Legalcapitalsurplus

OthercapitalsurplusTotal
capitalsurplusLegalretainedearnings

Reserve foradvanceddepreciationof noncurrent
assetsGeneralreserve

Retainedearnings
brought
forwardTotal
retainedearnings

株主資本
資本剰余金
資本金

Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reser‐ve
固定資産圧縮積立金のfor advanced
取崩depreciation ofProvision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period

24,658

利益剰余金
その他利益剰余金

資本準備金

その他
資本剰余金

資本剰余金
合計

利益準備金

固定資産
圧縮積立金

別途積立金

繰越利益
剰余金

7,835

661

8,496

24,658668

337,305

22,858385,490(2,988)(2,988)9－(13,500)－

13,037

13,037(9)13,500

中間純利益

利益剰余金
合計

自己株式の取得
自己株式の処分(0)(0)

株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高

－

－

(0)

(0)

－

(9)

13,500(3,441)

10,04924,658

7,835

661

8,496

24,658658

350,805

19,416395,539

Note: The amounts are rounded down to the nearest million.

- 15 -

(Millions of Yen)
Stockholders' equity

Item（Japanese)

Valuation and translation adjustments
Deferred gains
Total
Unrealized gain on
Total valuation(losses) on
Treasurystockholders' available-for-saleand translation
derivatives
stock
equitysecurities
adjustments
under hedge
accounting
株主資本評価・換算差額等
自己株式

Balance at the start of
当期首残高
current period
Changes of items during
当中間期変動額the period
Dividends from
剰余金の配当surplus
Reversal of reserve for
固定資産圧縮積立金のadvanced depreciation
取崩of noncurrent assets
Provision of general
別途積立金の積立
reserve
Interim net income
Purchase of treasury
stock
Disposal of treasurystock
Net changes of items
other thanshareholders'equity
Total changes of items
during the period
Balance at the end ofcurrent period(5,605)

中間純利益

株主資本
合計

その他有価証券
評価差額金

413,040

86,866

繰延ヘッジ
損益
(134)

評価・換算
差額等合計
86,731

Total net
assets

純資産合計
499,771(2,988)(2,988)

－

－

－

－

13,037

13,037

自己株式の取得

(1)

(1)

(1)

自己株式の処分

123

123

123

株主資本以外の項目の
当中間期変動額(純額)
当中間期変動額合計
当中間期末残高(38,204)

89(38,115)(38,115)

121

10,170(38,204)

89(38,115)(27,945)(5,483)423,210

48,661(45)

48,615471,826

Note: The amounts are rounded down to the nearest million.

- 16 -

Ⅲ.Explanatory Materials to Interim Financial Report
1.Interim Financial Data
A. Interest Margin(％)

【Non-consolidated】(Japanese)

For the six months
ended Sep.30,2022(A)-(B)(A)(1) Fund management yield(B)

For FY 2021
ended
Mar.31,2022

資金運用利回

0.77(0.03)

0.80

0.75

Loans and bills discounted interest
rate

貸出金利回

0.83

0.01

0.82

0.82

Securities interest rate

有価証券利回

1.06(0.05)

1.11

0.96

資金調達原価

0.48(0.06)

0.54

0.53

預金等利回

0.00

0.00

0.00

0.00

総資金利鞘

0.29

0.03

0.26

0.22

(2) Funding cost(A)

For the six
monthsended Sep.30,2021(B)

Deposits and certificates of depositinterest rate(3) Net interest margin (A)-(B)(％)（Ref.）Interest margin（Domestic operations）【Non-consolidated】(Japanese)(A)-(B)(A)(1) Fund management yield(B)

For FY 2021
ended
Mar.31,2022

資金運用利回

0.72(0.06)

0.78

0.73

Loans and bills discounted interest
rate

貸出金利回

0.81

(0.01)

0.82

0.82

Securities interest rate

有価証券利回

0.99(0.12)

1.11

0.96

資金調達原価0.47(0.06)

0.53

0.52

預金等利回

0.00

0.00

0.00

0.00

総資金利鞘

0.25

0.00

0.25

0.21

(2) Funding cost(A)

For the six
monthsended Sep.30,2021

For the six months
ended Sep.30,2022(B)

Deposits and certificates of depositinterest rate(3) Net interest margin (A)-(B)B. Gains or Losses of Securities(Millions of Yen)

【Non-consolidated】(Japanese)

For the six months
ended Sep.30,2022(A)-(B)(A)
Gains (losses) on bonds

国債等債券損益For the six
monthsended Sep.30,2021(B)

For FY 2021
ended
Mar.31,2022(1,768)4,150(5,918)(8,803)

Gains on sales

売却益

335

182

153

442

Gains on maturity

償還益

20

20

－

－

Losses on sales

売却損

56

(1,592)

1,648

2,048

Losses on maturity

償還損

2,058

(2,346)

4,404

7,177

Write-off

償却

9

(10)

19

19

株式等関係損益

3,428(2,061)

5,489

7,331

Gains on sales

売却益

3,879

(1,624)

5,503

8,995

Losses on sales

売却損

451

451

－

1,149

Write-off

償却

－

(14)

14

513

Gains (losses) on stocks- 17 -

C. Capital Adequacy Ratio【Consolidated】（Domestic Standard）(Millions of Yen)
(Japanese)

As of SEP.30, 2022
(A)

MAR.31, 2022
(A)-(B)(B)(1) Capital adequacy ratio

自己資本比率10.22%(0.05%)

10.27%(2) Basic items related to core capital

コア資本に係る基礎項目

469,871

9,584

460,287(3) Adjustments related to core capital

コア資本に係る調整項目

103

(115)

218

(4) Total capital (2)-(3)

自己資本469,767

9,699

460,068(5) Risk-adjusted assets

リスクアセット

4,594,613

118,449

4,476,164【Non-consolidated】（Domestic Standard）(Millions of Yen)
(Japanese)(1) Capital adequacy ratio

自己資本比率(2) Basic items related to core capital

As of SEP.30, 2022
(A)

MAR.31, 2022
(A)-(B)

(B)

9.95%

(0.06%)

10.01%

コア資本に係る基礎項目

453,9589,206

444,752(3) Adjustments related to core capital

コア資本に係る調整項目

283

20

263

(4) Total capital (2)-(3)

自己資本453,675

9,186

444,489(5) Risk-adjusted assets

リスクアセット

4,558,749

118,4114,440,338- 18 -

2.Condition of Assets,etc
A. Disclosed claims under the Financial Reconstruction Low(Risk-monitored Loans)(Millions of Yen、%)【Non-consolidated】(Japanese)
Sub total(Substandard loans or below) A 要管理債権以下合計

As of SEP.30, 2022
(A)

MAR.31, 2022 SEP.30, 2021
(A)-(B)(A)-(C)(B)(C)

115,669

5,296

5,208

110,373

110,461

Loans to bankrupt and quasibankrupt borrowers

破産更生債権及びこれらに準ずる債権

12,452

1,166

(206)

11,286

12,658

Doubtful loans

危険債権

70,003

3,244

6,999

66,75963,004

Substandard loans

要管理債権

33,213886(1,585)32,327

34,798Delinquent loans past due
three months or more

〔三月以上延滞債権）

1,427

469

(53)

958

1,480

Restructured loans〔貸出条件緩和債権〕

31,785416(1,532)

31,36933,317

5,436,571

115,725

300,614

5,320,846

5,135,957

合計

5,552,240

121,021305,822

5,431,219

5,246,418

不良債権比率2.08

0.05(0.02)

2.03

2.10

Normal loans B
Total (A+B) C
Non-performing loans ratio(A/C）

正常債権”Delinquent loans past due three months or more”and"Restructured loans"are categories of Risk-monitored Loans(Ref.) In case of applying partial direct write-off
The Bank dose not apply partial direct write-off.In case of applying partial direct write-off would be asfollows:(Millions of Yen、%)(Japanese)
Sub total(Substandard loans or below) A 要管理債権以下合計

As of SEP.30, 2022
(A)

MAR.31, 2022 SEP.30, 2021
(A)-(B)(A)-(C)(B)(C)

108,021

4,946

5,506

103,075

102,515Loans to bankrupt and quasibankrupt borrowers

破産更生債権及びこれらに準ずる債権

4,805

817

93

3,988

4,712

Doubtful loans

危険債権

70,003

3,244

6,999

66,75963,004

Substandard loans

要管理債権

33,213886(1,585)32,327

34,798Delinquent loans past due
three months or more

〔三月以上延滞債権）

1,427

469

(53)

958

1,480

Restructured loans〔貸出条件緩和債権〕

31,785416(1,532)

31,36933,317

5,436,571

115,725

300,614

5,320,846

5,135,957

5,544,593

120,672

306,120

5,423,921

5,238,473

Normal loans B
Total (A+B) C

正常債権
合計

Amount of partly direct write-off

部分直接償却額

7,647

350

(298)

7,297

7,945

Non-performing loans ratio(A/C）

不良債権比率1.94

0.04(0.01)

1.90

1.95”Delinquent loans past due three months or more”and"Restructured loans"are categories of Risk-monitored Loans(Millions of Yen、%)【Consolidated】(Japanese)
Sub total(Substandard loans or below) A 要管理債権以下合計

As of SEP.30, 2022
(A)

MAR.31, 2022 SEP.30, 2021
(A)-(B)(A)-(C)(B)(C)

116,629

5,306

5,096

111,323

111,533

Loans to bankrupt and quasibankrupt borrowers

破産更生債権及びこれらに準ずる債権

13,183

1,176

(306)

12,007

13,489Doubtful loans

危険債権

70,226

3,245

6,989

66,981

63,237

Substandard loans

要管理債権

33,220886(1,586)32,33434,806

Delinquent loans past due
three months or more

〔三月以上延滞債権）

1,427

469

(53)

958

1,480

Restructured loans〔貸出条件緩和債権〕

31,792416(1,534)

31,37633,326

5,423,843

114,822298,2855,309,021

5,125,558

合計

5,540,473

120,129

303,3825,420,344

5,237,091

不良債権比率2.10

0.05(0.02)

2.05

2.12

Normal loans B
Total (A+B) C
Non-performing loans ratio(A/C）

正常債権”Delinquent loans past due three months or more”and"Restructured loans"are categories of Risk-monitored Loans- 19 -

B. Reserve for Loan Losses(1) Write-off and Reserve Standard
a．General Reserve
Classifications
Claims on normal debtors

Claims on
debtors
undercautionClaims on debtors undercaution, other than specialmentioned

Claims on special-mentioned
debtors under caution(Japanese)

Reserve Standard

正常先債権

Amounts are booked in general loan loss reserves based on the actual
loan-loss ratio for the last two years

要管理先以外の要注意先債権Amounts are booked in general loan loss reserves based on the actual
loan-loss ratio for the last two years

要管理先債権Amounts are booked in general loan loss reserves based on the actual
loan-loss ratio for the last three years.
In addition, for borrowers that exceed credit limits, amounts are booked
in general loan loss reserves based on the discounted cash flow method.

b. Special Reserve
Classifications

Claims on debtors under possible
bankruptcy(Japanese)

Write-off and Reserve Standard
For loans not secured by collateral or guarantees, amounts aretransferred to special loan loss reserves based on the actual loan-loss
ratio for the last three years.
In addition, for borrowers that exceed credit limits, amounts aretransferred to special loan loss reserves based on the discounted cash
flow method.

破綻懸念先債権

Claims on debtors under virtual bankruptcy 実質破綻先債権
Claims on debtors under legal bankruptcy

All loans not secured by collateral or guarantees are transferred to thespecial loan loss reserve or written off.

破綻先債権

(2) Conditions of Reserve for Possible Loan Losses【Non-consolidated】(Millions of Yen)
As of SEP.30, 2022

(Japanese)
Reserve for Loan losses(A)

MAR.31, 2022 SEP.30, 2021
(A)-(B)(A)-(C)

(B)

(C)

貸倒引当金

61,295

2,136

3,498

59,15957,797

General reserve

一般貸倒引当金

32,948(963)

521

33,911

32,427

Special reserve

個別貸倒引当金

28,347

3,100

2,977

25,24725,370Special reserve for loans to certain
countries

特定海外債権引当勘定

－

－

－

－

－

【Consolidated】(Millions of Yen)
As of SEP.30, 2022

(Japanese)
Reserve for Loan losses(A)

MAR.31, 2022 SEP.30, 2021
(A)-(B)(A)-(C)

(B)

(C)

貸倒引当金

65,276

2,162

3,073

63,11462,203General reserve

一般貸倒引当金

35,454(1,006)307

36,46035,147

Special reserve

個別貸倒引当金

29,822

3,169

2,767

26,65327,055Special reserve for loans to certain
countries

特定海外債権引当勘定

－

－

－

－

－

- 20 -

C. Loans by Industry(Millions of Yen)

【Non-consolidated】(Japanese)

As of SEP.30, 2022
(A)-(B)(A)-(C)(B)(C)

5,457,429

117,205

300,803

5,340,224

5,156,626

442,645

20,934

15,717421,711

426,928

Agriculture and forestry 農業、林業

7,982

746

794

7,236

7,188

Fisheries

4,739

227

348

4,512

4,391

2,032

(1,001)

(903)

3,033

2,935

建設業

178,253

6,194

18,354

172,059

159,899

電気･ガス･熱供給･水道業

275,179

13,89045,578261,289229,601

情報通信業

21,795568

612

21,227

21,183

運輸業、郵便業

128,352(321)

10,712

128,673

117,640

卸売業、小売業

481,182

30,33652,379450,846428,803

Financial and insurance 金融業、保険業

415,348

9,272

26,854

406,076

388,494

Domestic offices
国内店分（Excluding Japan offshore (除く特別国際金融取引勘定分)
banking accounts）
Manufacturing(A)

MAR.31, 2022 SEP.30, 2021

製造業

漁業

Mining and quarrying of
鉱業、採石業、砂利採取業
stone and gravel
Construction
Electricity,gas,heat
supply and water
Information andcommunications
Transport and postal
activities
Wholesale and retail
trade
Real estate and goods
rental and leasing

不動産業、物品賃貸業

1,235,621

45,029107,137

1,190,592

1,128,484

Services,N.E.C.

その他ｻｰﾋﾞｽ業

372,371(4,783)

6,023

377,154366,348

Government,except
elsewhere classified

地方公共団体622,758(23,816)(21,681)646,574

644,439

Other

その他

1,269,166

19,931

38,881

1,249,235

1,230,285

D. Disclosed claims under the Financial Reconstruction Low for Loans by Industry(Millions of Yen)

【Non-consolidated】(Japanese)

As of SEP.30, 2022

Domestic offices
国内店分（Excluding Japan offshore (除く特別国際金融取引勘定分)
banking accounts）(A)

MAR.31, 2022 SEP.30, 2021
(A)-(B)(A)-(C)(B)(C)

115,356

5,317

5,405

110,039

109,951

17,120915

2,209

16,205

14,911

702

(219)

(29)

921

731

1,375

543

559

832

816

46

(1)

(6)

47

52

7,271

466

377

6,805

6,894

230

1

(430)

229

660

情報通信業

1,057

119

(543)

938

1,600

運輸業、郵便業

2,398

204

93

2,194

2,305

卸売業、小売業

29,129609(593)

28,52029,722Financial and insurance 金融業、保険業

272

(21)

(36)

293

308

Manufacturing

製造業

Agriculture and forestry 農業、林業
Fisheries

漁業

Mining and quarrying of
鉱業、採石業、砂利採取業
stone and gravel
Construction
Electricity,gas,heat
supply and water
Information andcommunications
Transport and postal
activities
Wholesale and retail
trade

建設業
電気･ガス･熱供給･水道業

Real estate and goods
rental and leasing

不動産業、物品賃貸業

12,021

1,269

1,668

10,752

10,353Services,N.E.C.

その他ｻｰﾋﾞｽ業

32,583

1,813

1,228

30,77031,355Government,except
elsewhere classified

地方公共団体

－

－

－

－

－

Other

その他

11,145(382)

906

11,527

10,239(Note)Covers receivables excluding normal loan

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E. Loans to Consumers(Millions of Yen)

【Non-consolidated】(Japanese)
Consumer loans

As of SEP.30, 2022
(A)

MAR.31, 2022 SEP.30, 2021

(A)-(B)(A)-(C)(B)(C)

消費者ﾛｰﾝ

1,278,854

20,68047,093

1,258,174

1,231,761

Housing loans

うち住宅ローン残高

1,219,035

19,80345,372

1,199,232

1,173,663

Other consumer loans

うちその他ローン残高

59,819877

1,721

58,94258,098

F. Loans to Small & Medium-sized Companies and to Consumers(％)

【Non-consolidated】(Japanese)
Percentage of total loans

中小企業等貸出比率

As of SEP.30, 2022
(A)
64.14

- 22 -

MAR.31, 2022 SEP.30, 2021

(A)-(B)
0.04(A)-(C)
0.58

(B)
64.10

(C)
63.56

3.Condition of Securities Portfolio
A. Appraisal Standard for Investment Securities
Available-for-sale securities
Held-to-maturity securities

売買目的
有価証券
満期保有目的有価証券

Market value method (unrealized gains/losses are recorded in
profit and loss)

時価法(評価差額を損益処理)

Depreciation cost method

償却原価法

Market value method (unrealized gains/losses are included instockholders' equity)

時価法(評価差額を全部純資産直入)

Other investment securities

その他有価証券

Subsidiary and affiliate stocks

子会社株式及びCost method
関連会社株式

原価法（Ref.）Securities in money held in trust
Money held in trust for investing

運用目的の
金銭の信託

Other money held in trust

その他の
金銭の信託

Market value method (unrealized gains/losses are recorded in
profit and loss)
Market value method (unrealized gains/losses are included instockholders' equity)

時価法(評価差額を損益処理)
時価法(評価差額を全部純資産直入)

B. Unrealized Gains or Losses of Investment Securities(Millions of Yen)

【Consolidated】
As of SEP.30, 2022

As of MAR.31, 2022
Unrealized gains (losses)

Unrealized gains (losses)(Japanese)(A)(A)-(B)

Gains

Losses

評価損益
対比

Gains

Losses

評価益

評価損

評価益

評価損

－

9

(6)

－

6

122,973

54,967

119,640

148,51028,86970,9092,132

77,217

79,295

2,078

2,418

29,645(11,650)

4,007

15,658(27,618)

49,64523,18954,07465,207

11,132(51,638)

122,973

54,977

119,634

148,51028,87670,9092,132

77,217

79,295

2,078

2,418

29,654(11,657)

4,007

15,66449,64523,18954,07465,207

11,132

Held-to-maturity

満期保有目的(9)(3)

Other investment

その他有価証券68,005(51,635)

Stocks株式

68,776(8,441)

Bonds

債券(27,227)(15,577)

Other

その他

26,456

合計

67,996

Stocks株式

68,776(8,441)

Bonds

債券(27,236)(15,579)

Other

その他

26,456(27,618)

Total

(B)
評価損益

Notes: 1. Since "Other investment" is valued using the market value method, the difference between the carrying amount in theInterim Consolidated Balance Sheets and the acquisition cost is recorded in the above table.
2. Valuation of "Other investment" is based on the market value at the end of the interim period.
(Millions of Yen)

【Non-consolidated】
As of SEP.30, 2022

As of MAR.31, 2022
Unrealized gains (losses)

Unrealized gains (losses)(Japanese)(A)(A)-(B)

Gains

Losses(B)

Gains

Losses

評価益

評価損

評価損益

評価損益
対比

評価益

評価損

Held-to-maturity

満期保有目的

－

－

－

－

－

－

－

Other investment

その他有価証券66,813(51,586)

121,781

54,967

118,399

147,269

28,869Stocks株式67,585(8,391)

69,7172,132

75,97678,055

2,078

Bonds

債券

(27,227)(15,577)

2,418

29,645(11,650)

4,007

15,658

Other

その他

26,456(27,618)

49,64523,18954,07465,207

11,132

Total

合計

66,813(51,586)

121,781

54,967

118,399

147,269

28,869Stocks株式67,585(8,391)

69,7172,132

75,97678,055

2,078

Bonds

債券

(27,227)(15,577)

2,418

29,645(11,650)

4,007

15,658

Other

その他

26,456(27,618)

49,64523,18954,07465,207

11,132

Noteｓ: 1. Since "Other investment" is valued using the market value method, the difference between the carrying amount in theInterim Non-consolidated Balance Sheets and the acquisition cost is recorded in the above table.
2. Valuation of "Other investment" is based on the market value at the end of the interim period.

- 23 -