Investor Presentaiton

7 years through <March 31, 2014 > (Thousands of U.S.dollars) Due in Due after Due after Due after Due after 1 year 1 year through 3 years through 5 years through or less 3 years 5 years 7 years 10 years Due after 10 years Due from banks Securities Held-to-maturity bonds $ 364,380 $ $ $ $ $ 1,193,781 1,680,227 1,828,322 1,627,429 1,106,859 436,290 18,101 Corporate bonds 18,101 Other securities with a maturity date 1,175,680 41,653 41,653 1,638,563 17,984 17,984 5,897 1,810,338 5,897 1,621,531 1,106,859 436,290 Japanese government bonds 789,350 841,614 Municipal bonds 197,260 214,195 780,382 509,084 1,154,022 823,552 174,757 64,088 44,558 235,328 Corporate bonds 76,457 303,254 338,962 97,784 71,094 Other Loans and bills discounted Total $ 112,602 3,374,067 4,932,238 $ 279,488 2,742,741 4,422,969 $ 181,888 2,090,186 3,918,509 305,616 167,635 26,185 1,373,221 3,000,660 $ 2,451,389 $ 3,009,366 1,344,529 2,573,076 Due after 10 years Note 4 Scheduled repayment amounts of bonds, borrowed money and other interest bearing liabilities <March 31, 2014> (Millions of yen) Due in Due after Due after Due after Due after 1 year 1 year through 3 years through 5 years through 7 years through or less 3 years 5 years 7 years 10 years Deposits (*) ¥ 1,797,678 ¥ Negotiable certificates of deposit 99,103 Borrowed money Total ¥ 47,624 1,944,405 ¥ 176,135 620 1,378 ¥ 45,708 ¥ - ¥ ¥ 426 0 178,133 ¥ 46,135\ 0 ¥ ¥ *Demand deposits are included in "Due in 1 year or less". <March 31, 2013> Deposits (*) Negotiable certificates of deposit Borrowed money Total ¥ Due after 10 years (Millions of yen) Due in Due after Due after Due after Due after 1 year 1 year through 3 years through 5 years through 7 years through or less 3 years 5 years 7 years 10 years 1,727,483¥ 114,298 23,619 1,865,401 ¥ 200,450 ¥ 95 1,366 49,311 ¥ \ 505 0 201,912¥ 49,817 ¥ 0 ¥ ¥ *Demand deposits are included in "Due in 1 year or less". <March 31, 2014> Deposits Negotiable certificates of deposit Borrowed money Total (Thousands of U.S.dollars) Due in Due after Due after Due after Due after Due after 1 year 1 year through 3 years through 5 years through 7 years through or less 3 years 5 years 7 years 10 years 10 years $ 17,466,750 $ 1,711,377 $ 444,111 $ $ $ 962,912 $ 462,728 18,892,392 $ 6.024 13,389 1,730,790 $ 4,139 448,260 0 $ 0 $ $ 22. Subsequent events 1. Issuing of Eurodollar convertible bonds subject to call with maturity in 2019 The issuing of Eurodollar convertible bonds subject to call with maturity in 2019 by the Bank was resolved at a meeting of the board of directors held on April 2, 2014, and payment for the convertible bonds was completed on April 22, 2014. The outline of the issue is as stated below. (1) Name of the convertible bonds The Yamagata Bank Ltd. Eurodollar convertible bonds subject to call with maturity in 2019 (2) Issue price 100% of the face amount of the convertible bonds (face amount of each of the convertible bonds: US$100,000) (3) Offer price 102.5% of the face amount of the convertible bonds (4) Total amount of the issue value (total amount to be paid in) US$100 million (5) Interest rate of the convertible bonds No interest is paid on the convertible bonds. (6) Security and guarantee The convertible bonds are neither secured nor guaranteed. (7) Payment date and issue date of the convertible bonds April 22, 2014 (8) Redemption date The convertible bonds will be redeemed on April 22, 2019 (redemption date) at 100% of the face amount of the convertible bonds. There are stipulations concerning advanced redemption and retirement by purchase under predetermined conditions in the principles of the issue. (9) Matters related to the warrants 1) Total number of the warrants: 1,000 2) Type, details and number of shares associated with the warrants The type and details of the shares associated with the warrants are shares of common stock of the Bank (number of shares to constitute one unit: 1,000 shares) and the number of shares of common stock of the Bank to be issued by the Bank subsequent to the execution of the warrants is obtained by dividing the total face amount of the convertible bonds to be executed by the conversion price stated in 6) below. Notwithstanding the foregoing, if a fraction of less than one share is generated as a result of such execution, the fraction will be dropped and payment in cash for that fraction will not be made. 3) Allotment date of the warrants: April 22, 2014 4) Exercise period of the warrants From May 6, 2014 to April 8, 2019 (In accordance with the time and place of the execution of the warrant) 5) Amount to be paid in when executing the warrants When executing the warrants, the convertible bonds to which the warrants are attached will be used for financing, in which case the value of the convertible bonds will be the same as their face amount. 6) Conversion price: US$5.09 (initial) 7) Capital and capital reserve to be increased by issuing shares subsequent to the execution of the warrants The amount of the capital to be increased by the issuing of shares subsequent to the execution of the warrants will be the amount that is obtained by multiplying the limit of the increase in the capital, etc., that is calculated as set forth in Article 17 of the Ordinance on Company Accounting by a factor of 0.5. If, as a result of this, a fraction of less than one yen is generated, then the fraction will be rounded up. The amount of the capital reserve to be increased will be the amount that is obtained by deducting the amount of the capital to be increased from the limit of the increase in the capital, etc. 8) Issuing of warrants by a successor company, etc., in the case of organizational restructuring, etc., of the Bank There are stipulations in the principles of the issue. 9) Reasons why payment is not required to obtain the warrants Payment will not be required to obtain the warrants, considering that the warrants are attached to the convertible bonds, for this reason, warrants may not be separated from the convertible bonds and transferred; and that the convertible bonds and the warrants are closely related to each other because to execute the warrants, the convertible bonds to which the warrants are attached are used for financing; and considering the financial value for the Bank based on the value of the warrants and the terms of issue of the convertible bonds, including the interest rate and the amount to be paid in. (10) Use of the funds raised The funds raised through the issuing of the convertible bonds are planned to be used as general working capital for loans in US dollars, investment in securities in US dollars, etc., mainly in fiscal 2014. (11) Financial instruments exchange for listing The convertible bonds will be listed at Singapore Exchange Limited. 2. Acquisition of treasury stocks At the meeting of the board of directors of the Bank that was held on April 2, 2014, the following were resolved with regard to the acquisition of treasury stocks in compliance with article 165, paragraph (3) of the Companies Act applied by the reading of article 156 of the Companies Act. (1) Type of shares to be acquired: (2) Total number of shares to be acquired: (3) Total acquisition cost of shares: (4) Period of acquisition: 3. Cancellation of treasury stocks Shares of common stock of the Bank 7 million shares (maximum) ¥3,500 million (maximum) April 3, 2014 to September 22, 2014 At the meeting of the board of directors that was held on May 15, 2014, it was resolved that the Bank would cancel its treasury stocks, and the Bank did so, in compliance with Article 178 of the Companies Act. (1) Type of shares to be canceled: (2) Number of shares to be canceled: (3) Total number of outstanding shares after cancelation: (4) Date of cancellation: Shares of common stock of the Bank 2 million shares 170 million shares May 30, 2014 24 24 25