This is the preliminary translation of the Japanese version Lawson Bank financial results provided by Lawson, Inc.

Financial Summaryfor the First Quarter of Fiscal Year 2020 Ended June 30, 2020
August 14, 2020
Lawson Bank, Inc. (https://www.lawsonbank.jp/)
I.

Financial Results Highlights(Financial figures are truncated to the unit stated)

1.

Results of Operation (Non-consolidated)

Total revenue
Net interest income
Net fees and commissions
Net provision of generalreserve for loan losses
General and administrative
expenses
Ordinary businessprofits/losses
Ordinary profits/losses
Net income/losses
2.

(Millions of Yen)
1QFY2020 (3 months)
5,546
-238
5,784

00

6,103

5,557

340
565
520

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Balance Sheets (Non-consolidated)

Cash and due from banks
Loans
Other assets
Total assets
Deposits
Call money
Borrowed money
Other liabilities
Total liabilities
Total equity
3.

1QFY2019 (3 months)
6,442-282
6,724

FY2019(As of March 31, 2020)
327,36137
54,764382,163
17,71222,000290,000
29,465359,177
22,985(Millions of Yen)
1QFY2020(As of June 30, 2020)
346,746
58
56,940403,745
30,511
30,000290,00030,318
380,830
22,915

1QFY2019 (3 months)
94.7%

1QFY2020 (3 months)
100.2%

Financial Ratios (Non-consolidated)
Expense-to-revenue ratio

1

Risk-weighted assets
Core capital
Capital adequacy ratio(Millions of Yen)
1QFY2020(As of June 30, 2020)
79,432
9,537
12.01%FY2019(As of March 31, 2020)
79,6339,363
11.76%FY2019(As of March 31, 2020)
Number of ATM units installed
Total number of banking
accounts
Number of credit cardcustomers

13,367

1QFY2020(As of June 30, 2020)
13,434

48,86053,17247,67978,5371Q FY2019 (3 months)

1Q FY2020 (3 months)

59,42549,368

48.3

40.4

Total number of ATM usage(1,000s)
Average daily ATM usage (no.
of times per day per unit)

Note:
1. Figures of total number of ATM usage are rounded off a number less than 1,000.
2. Figures of average daily ATM usage are rounded off to one decimal places.

FY2019(As of March 31, 2020)
Number of partner financial
institutions (banks, companies,depositories)
Number of partner companies
for immediate accountsettlement service

1QFY2020(As of June 30, 2020)

124

124-1Note: The JA Bank and JF Marine Bank are considered each as an institution depending on business categories.

2II.

Financial Statements
1. Balance Sheets (Non-consolidated)(Financial figures are truncated to the unit stated)(Millions of Yen)FY20191QFY2020(As of March 31, 2020)(As of June 30, 2020)[Assets]
Cash and due from banks
Loans
Suspense payments in ATMs
Other assets
Tangible fixed assets
Intangible fixed assets
Differed tax assets
Reserve for loan losses
Total assets[Liabilities]
Deposits
Call money
Borrowed money
Suspense receipts of ATM
Other liabilities
Lease obligations
Accrued employees’ bonuses
Total liabilities[Equity]Common stock
Capital surplus
Retained earnings
Total shareholders’ equity
Total equity
Total liabilities and equity

3327,36137
12,736
10,14818,15913,481241-2382,163346,74658
15,178
10,977
17,30013,295190-1403,745

17,71222,000290,000
14,437
3,448
11,402
176
359,177

30,511
30,000290,000
16,717
3,063
10,447
89
380,830

11,60011,600-214
22,98522,985382,163

11,60011,600-284
22,91522,915
403,745

2.

Statement of Income (Non-consolidated)(Financial figures are truncated to the unit stated)(Millions of Yen)
1QFY2019
1QFY2020(From April 1, 2019 to(From April 1, 2020 toJune 30, 2019)
June 30, 2020)
Ordinary income
Interest income
Interest on loans
Interest on call loans
Interest income on due from banks
Fees and commissions income
ATM commissions received
Other ordinary income
Ordinary Expenses
Interest expenses
Interest on deposits
Interest on call money
Interest on borrowed money
Other interest paid
Fees and commissions expenses
ATM installation commissionsexpenses
ATM commissions expenses
General and administrative expenses
Other ordinary expenses
Ordinary profits/losses
Extraordinary profits
Other extraordinary profits
Extraordinary losses
Tangible fixed asset disposal
expenses
Other extraordinary losses
Net income/losses before incometaxes
Income taxes
Income taxes, local inhabitanttaxes and the enterprise taxes
Deferred income taxes
Net income/losses

48,802-8
0-2
-7
8,552
8,534
258
8,237
273
00
172
100
1,827
796

7,610
2
2-0
7,605
7,519
2
7,626
241
3
4
143
90
1,820
695

972
6,103
33
565
0
0
4-

997
5,557
6-152
14
561

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