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Investor Presentaiton

Consolidated Statement of Changes in Net Assets For the year ended March 31, 2014 Consolidated Statement of Cash Flows For the years ended March 31, 2014 and 2013 (Millions of yen) Minority interests Total net assets Cash flows from operating activities: Shareholders' equity Common stock Capital surplus Retained earnings Less treasury stock, at cost Total shareholders' equity Unrealized holding gain on securities Deferred loss on hedging instruments Revaluation of land ¥12,008 ¥4,939 ¥96,216 \ (820) ¥112,343 \ 17,136 \ (3,108) \ 1,012\ Accumulated other comprehensive income Retirement benefits Total of accumulated liability other comprehensive adjustments income \ 15,039 \ 6,465 ¥133,849 Income before income taxes and minority interests 2014 2013 2014 (Millions of yen) (Millions of yen) (Thousands of U.S. dollars)(Note 2). ¥ 11,067 ¥ 9,710 $ 107,535 Balance as of April 1, 2013 Changes in the consolidated fiscal year Cash Dividends. Net income Acquisition of treasury stocks ... Disposition of treasury stocks ... Reversal of land revaluation ...... Changes in items other than shareholders' equity items (1,022) 6,331 (60) TICII (1,022) 6,331 (7) (7) (60) | | | | | | | | | | IIIII in the consolidated fiscal year... 1,197 737 60 | | | | | 28 (1,022) Adjustments to reconcile income before income taxes and minority interests to net cash provided by operating activities: Depreciation and amortization 6,331 Loss on impairment of fixed assets 1,169 124 1,252 11,368 36 1,207 (7) Reserve for possible loan losses (2,355) (4,026) (22,886) (60) Reserve for employees' retirement benefits (1,129) (275) (10,976) Liability for retirement benefits 712 6,925 28 2,024 568 2,593 Reserve for directors and corporate auditors' retirement benefits Reserve for losses on dormant deposits repayments 29 34 284 (29) (22) (281) (net amounts) Total 5,248 (7) 5,240 1,197 737 60 28 2,024 568 7,833 Reserve for losses on contingencies 78 (35) 759 Balance as of March 31, 2014...... ¥12,008 ¥4,939 ¥101,464 \ (828) 117,583 18,333 \ (2,370) \ 1,073\ 28 17,063 ¥ 7,034 141,682 Interest income (26,824) (27,688) (260,634) Interest expense 3,050 3,140 29,638 Loss (gain) on investment securities (3,057) 237 (29,707) Foreign exchange gain, net (78) (85) (764) For the year ended March 31, 2013 Loss on disposal of fixed assets 11 36 112 Shareholders' equity Accumulated other comprehensive income (Millions of yen) Common stock Capital surplus Retained earnings Less treasury stock, at cost Total shareholders' equity Unrealized Deferred loss holding gain on hedging Revaluation of land on securities instruments Total of accumulated other comprehensive income Minority interests Total net assets Loans Deposits (83,153) (37,457) (807,946) 27,547 67,667 267,662 Balance as of April 1, 2012. Changes in the consolidated \ 12,008 ¥4,939 91,742 \ (818) ¥107,872 \7,477 \ (2,182) \ 1,057 6,352 ¥5,648 \119,872 Borrowed money (excluding subordinated borrowings) Due from banks (excluding due from Bank of Japan) 23,938 16,385 232,589 10,017 9,462 97,330 Call loans and bills purchased 50,112 8,475 486,912 fiscal year Cash Dividends Net income.... Acquisition of treasury stocks Disposition of treasury stocks Reversal of land revaluation Changes in items other than shareholders' equity items in the consolidated fiscal year (net amounts) Total Call money and bills sold (538) 521 (5,233) (1,022) 5,452 (1,022) 5,452 (3) (3) 0 0 45 45 | | | | | ||||| ||||| (1,022) 5,452 Payables under securities lending transactions 5,828 12,571 56,636 (3) Trading securities (22) 9 (221) 0 Foreign exchange assets (397) 91 (3,865) 45 (0) 4,474 9,658 (926) (45) 8,687 817 9,505 (2) 4,471 9,658 (926) (45) 8,687 817 13,976 Balance as of March 31, 2013 ¥12.008 * 4,939 \96,216 \ (820) 112,343 \17.136 \ (3,108) \ 1,012 15,039 \ 6,465 133,849 For the year ended March 31, 2014 Common stock Capital surplus Shareholders' equity Retained earnings Accumulated other comprehensive income (Thousands of U.S.dollars) (Note 2) Less treasury stock, at cost Total Unrealized shareholders' equity holding gain on securities Deferred loss Revaluation Retirement benefits on hedging liability of land instruments adjustments Total of accumulated other comprehensive income Minority Total net interests assets Foreign exchange liabilities Interest received Interest paid Other Subtotal Income taxes paid Income taxes refunded Net cash provided by operating activities Cash flows from investing activities: Purchases of investment securities 16 0 162 26,988 27,816 262,225 (3,372) (3,167) (32,769) 1,447 (810) 14,062 41,180 83,881 400,123 (1,308) (1,556) (12,709) 364 40,237 184 3,540 82,509 390,955 Balance as of April 1, 2013 Changes in the consolidated fiscal year Cash Dividends. Net income Acquisition of treasury stocks... Disposition of treasury stocks ... Reversal of land revaluation....... Changes in items other than $ 116,678 $ 47,991 $ 934,869 $ (7,976) $ 1,091,562 $166,499 $ (30,204) $ 9,834 $ ||||| IIIII (9,938) 61,522 S| | (9,938) 61,522 (77) (77) (591) (591) | | | | I | | | | | | | | | | $146,129 $ 62,823 $1,300,515 (536,323) (9,938) 61,522 Proceeds from sales of investment securities Proceeds from redemption of investment securities Expenditure for acquisition of tangible fixed assets Income from sale of tangible fixed assets Expenditure for acquisitions of intangible fixed assets Net cash used in investing activities 397,961 (697,972) 559,620 (5,211,068) 3,866,709 60,231 105,045 585,224 (1,090) (590) (10,595) 14 52 136 (252) (490) (2,453) (79,459) (34,334) (772,047) (77) (591) Cash flows from financing activities: Dividends paid Dividends paid to minority shareholders shareholders' equity items in the consolidated fiscal year... 11,632 7.168 591 161 276 19,668 5,528 25,196 (net amounts) Total 50,991 (77) 50.914 11.632 7,168 591 276 19.668 5,528 76,111 Balance as of March 31, 2014 $ 116,678 $ 47,991 $ 985,861 $ (8,053) $ 1,142,477 $ 178,132 $ (23,036) $ 10,426 $ 276 $165,798 $ 68,351 $ 1,376,626 8 See accompanying notes to consolidated financial statements. Purchases of treasury stock Proceeds from sales of treasury stock Net cash used in financing activities Effect of exchange rate changes on cash and cash equivalents Net increase (decrease) in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year (Note 9) (1,022) (1,022) (9,938) (5) (5) (49) (7) (3) (77) 0 (1,035) (1,031) (10,065) (1) (40,259) ¥ 76,774 36,515 ¥ (1) 47,142 29,632 (11) (391,168) $ 76,774 745,966 354,798 See accompanying notes to consolidated financial statements. 9
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