Financial Statements
For the First Quarter Ended June 30,2012

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 S O L ID A T E D F IN A N C IA L IN F O R M A T IO N

１ ． Consolidated Balance sheets
A s o f M a r.
3 1 ,2 0 1 2A sse ts
C ash an d d ue from b anks
C all lo ans and bills bo ught
M onetary claim s bo ught
T rading asse ts
S ec uritie s
L o ans and bills disco unted
F oreign exchanges
L ease receivables and investm ent assets
O th er asse ts
T an gible fixed assets
Intan gib le fixe d assets
D eferre d tax assets
C ustom e rs' liab ilities for accep tances and gu arantees
A llo w an ce fo r loan losses
A llo w an ce fo r investm ent lo ss
T otal assets
L iabilitie s
D e p o sits
N ego tiab le ce rtificates of depo sit
C all m oney and bills so ld
P ayab le s under securities lending transactio ns
T rading liabilities
B o rro w ed m o ney
F oreign exchan ges
B o nd s p a ya b le
B o rro w ed m o ney fro m trust acco unt
O ther liabilities
P ro visio n fo r directo rs' bo nu se s
P ro visio n fo r retirem ent be ne fits
P ro visio n fo r d irecto rs' re tirem e nt b e nefits
P ro visio n fo r reim b ursem e nt o f de p o sits
P ro visio n fo r po int card certificates
P ro visio n fo r lo ss o n interest repaym en t
P ro visio n fo r co ntingent lo ss
R ese rv e s u nd er the sp ecial law s
D eferre d tax liabilities fo r land revaluation
N egative go o dw ill
A cc ep tanc es and guarantees
T otal liab ilitie s
N e t assets
C ap ital sto ck
C ap ital surplus
R etaine d earn ings
T reasury sto ck
T otal share ho lders' eq uity
V alu atio n difference o n availab le-fo r-sale sec urities
D eferre d gain s o r lo sses o n hedges
R evaluation reserve fo r land
T otal accum ulated o ther com prehensive inco m e
S ub scrip tio n rights to sha re s
M in ority interests
T otal n et assets
T otal liab ilities and net assets1(M illio n s o f y e n )As of Jun.
3 0 ,2 0 1 2

38 5,52 8
3,385
33,714
3,77 62,45 8,41 6
4,95 2,77 1
1,757
28,49455,05892,957
8,247
13,892
1 8,29 3△ 5 0,70 6△ 311
8,005,275

681,954
8,10 5
3 2,15 92,737
2,297,269
4,914,547
2,012
28,92352,31592,801
8,327
19,50018,218△ 50,117△ 35
8,10 8,72 1

7,25 7,85 6
19,852
17,561
3 8,888
19 2
9 9,30 9238
1 5,00 016
68,211
46
5,22 426
1,71 1137
10
1,740
112,050
2,29 1
1 8,29 3
7,55 8,66 0

7,380,255
1 7,35 5
17,73644,704
188
85,13920 4
1 5,00 0564,259―
5,201
23
1,67 2134
10
1,759
112,0422,251
18,218
7,666,164

8 5,11 3
5 8,57 4
27 5,59 8△ 24,913
394,371
4 0,21 4△ 2,705
12,452
49,96181
2,201
44 6,61 5
8,00 5,27 5

85,11358,574281,467△ 24,907
400,246
30,30 9
△ 2,774
12,44039,974
86
2,249
442,556
8,108,721

THE JOYO BANK, LTD.

２．Consolidated Statements of Income andComprehensive Income

Consolidated Statements of(Millions of yen)(Consolidated Statements of Income)
1QFY2011(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
Gain on disposal of noncurrent assets
Extraordinary loss
Loss on disposal of noncurrent assetsImpairment 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

1QFY2012(3 months)

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
08,565
2,882
△284
2,597
5,967
95
5,872

(Millions of yen)(Consolidated Statements of Comprehensive Income)
1QFY2011(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

240,75225,78318,350
7,119
9
5,939
221
3,329
5,468
28,593
1,405
967
1,697
―
18,585
6,905
12,158
2
2
107
54
52
―
12,054
3,634
△534
3,099
8,954
50
8,903

5,967
△2,491△2,313
△178
3,475
3,381
94

1QFY2012(3 months)

8,954△9,975△9,905△69△1,020△1,07150