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Investor Presentaiton

Review of Operations The Conditions of Consolidated Accounts Corporate Data Management (As of June 24, 2014) President Managing Directors Corporate Auditors The General situa- tion of this term (from April 1, 2013 to March 31, 2014) Deposits and negotiable certifi- cates of deposit As a result of our efforts to offer products that respond to the diverse requirements of our customers, the year-end consolidated balance of deposits and negotiable certificates of deposit rose by ¥27.6 billion during the year to ¥2,119.2 billion. Deposits by personal customers increased especially well. Deposited assets The year-end consolidated balance of deposited financial assets rose by ¥18.8 billion during the year to ¥311.1 billion, due to reasons such as a satisfactory increase in personal annuity insurance of ¥29.9 billion in the year. Loans The year-end consolidated balance of loans rose by ¥83.1 billion during the year to ¥1,409.3 billion. This was realized because the Bank proactively responded to the demand for funds by local companies and local public entities, and made constant efforts to increase loans to personal customers, mainly focusing on housing loans. Securities As a result that we invested assets by attaching importance to safety and liquidity and by paying close attention to investment conditions and market trends, the year-end consolidated balance of securities rose by ¥82.1 billion during the year to ¥854.1 billion. Profit and loss The consolidated ordinary income declined by ¥2,189 million on the previous year to ¥45,738 million, mainly because of a decrease in fund invest- ment earnings due to the long-lasting low interest rate environment and the decrease in the gain on the reversal of the allowance for bad debts, a large amount of which was accounted for in the first half of the year. The consoli- dated ordinary expenses were down by ¥3,610 million on the previous year to ¥34,534 million, mainly because of a decrease in security-related losses, such as losses on sales of shares. As a result, the consolidated ordinary profit rose by ¥1,421 million during the year to ¥11,203 million, and the consolidated net income rose by ¥879 million in the year to ¥6,331 million. Results by business sector In the banking business, the ordinary income for the consolidated fiscal year was ¥39,319 million, which was ¥1,951 million less than that for the previous fiscal year; the segment profit for the consolidated fiscal year was ¥10,316 million, which was ¥1,608 million more than that for the previous fiscal year. In the leasing business, the ordinary income for the consolidated fiscal year was \ 4,796 million, which was ¥226 million less than that for the previous fiscal year; the segment profit for the consolidated fiscal year was ¥217 million, which was ¥128 million less than that for the previous fiscal year. In other business sectors, the ordinary income for the consolidated fiscal year was ¥2,544 million, which was ¥41 million less than that for the previous fiscal year; the segment profit for the consolidated fiscal year was ¥739 million, which was ¥96 million less than that for the previous fiscal year. Cash flow Cash flow from operating activities was positive at ¥40.2 billion, due to increases in deposits and decreases in call loans, etc. Cash flow from investing activities was negative at ¥79.4 billion, because the outflow generated by the acquisition of securities, etc., exceeded the inflow generated by sales and redemptions of securities, etc. Cash flow from financing activities was negative at ¥1 billion, because of payments of dividends, etc. As a result of the above, the year-end consolidated balance of cash and cash equivalents decreased by ¥40.2 billion during the year to ¥36.5 billion. Kichishige Hasegawa Senior Managing Directors Hitoshi Watanabe Masahiro Takeda Haruhiko Tanno Directors Takami Konta Tamon Nakagawa Shinichi Nakayama Bin Hamada Yasumasa Gomi Shinichiro Miura Yoshihiro Ishikawa Organization (As of June 24, 2014) Board of Directors Hiromitsu Takahashi Yoshihiro Domon Kosuke Suzuki Masaki Kakizaki Kiyohiro Naganuma Satoshi Nagai Kazuhiro Moriya Gisuke Ohara General Meeting of Shareholders Board of Corporate Auditors Executive Committee President Senior Managing Directors Managing Directors Auditing Division Secretariat General Planning & Coordinations Division Personnel Division General Administration Division Corporate Business Planning Division Corporate Business Support Division Financial Markets Division Credit Division Operation Administration Division Operation Consolidation Division Tokyo Liaison Office Head Office Business Division Branches 5
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