Financial Statements
For the First Quarter Ended June 30,2009

THE JOYO BANK, LTD.

THE JOYO BANK, LTD.

Table of Contents

CONSOLIDATED FINANCIAL INFORMATION
１． Comparison of consolidated balance sheets････････････････････････

１

２． Consolidated statements of 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.
CONSOLIDATED FINANCIAL INFORMATION１． Comparison of consolidated balance sheets

AssetsCash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Securities
Loans and bills discounted
Foreign exchanges
Lease receivables and investment assets
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Allowance for investment loss
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldPayables under securities lending transactions
Trading liabilitiesBorrowed money
Foreign exchanges
Bonds payable
Borrowed money from trust account
Other liabilities
Provision for retirement benefits
Provision for directors' retirement benefits
Provision for reimbursement of deposits
Provision for point card certificates
Provision for loss on interest repayment
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 valuation and translation adjustments
Minority interests
Total net assets
Total liabilities and net assets

1

As of Jun.
30,2009(Millions of yen)
As of Mar.
31,2009

194,062
27,12552,2372,940
2,149,327
4,805,019
2,095
31,08876,09396,5557,130
37,56526,454△38,095△48
7,469,553

179,030
26,72954,063
9,578
1,975,080
4,911,988
1,316
31,74270,50097,394
7,124
57,65428,552△36,422△48
7,414,285

6,708,651
60,162
10,00069,986349
84,525268
15,0005
63,995
4,266
14
1,315
120
8
1,891
0
14,004
2,725
26,454
7,063,746

6,547,452
99,360111,947
73,649270
80,885185
15,00014
57,282
4,219
742
1,333
102
8
1,623
0
14,0072,765
28,5527,039,404

85,11358,574
254,297△26,818
371,165
24,353△1,805
10,73433,281
1,358
405,806
7,469,553

85,11358,574254,154△26,804
371,036△6,397△1,868
10,7392,474
1,369
374,881
7,414,285

THE JOYO BANK, LTD.

２．Consolidated statements of income(Millions of yen)
1QFY2008(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
Other
Extraordinary loss
Loss on disposal of noncurrent assets
Impairment loss
Transfer to reserve for financial products transaction liabilitiesIncome before income taxes and minority interests
Income taxes-current
Income taxes-deferred
Total income taxes
Minority interests in income (loss)
Net income

246,88634,01523,829
9,616
11
6,206
112
649
5,889
39,878
7,317
4,500
1,659
1,890
19,286
9,723
7,008
698
648
49
94
70
23
0
7,612
1,259
52
25
6,275

1QFY2009(3 months)

41,77830,163
22,972
6,834
9
5,939
136
300
5,228
38,429
3,491
2,663
1,650
3,075
19,452
10,760
3,349
320
320
―
159
135
24
0
3,509
206
85
291
△133,231