Financial Information of The Kinki Osaka Bank, Ltd.

Transcription

1 Financial Information of 94 Non-consolidated Balance Sheets Millions of yen Millions of U.S. dollars March 31, 2007 and Assets Cash and due from banks... 89, ,578 $ 757 Monetary claims bought ,838 44,543 1,361 Trading securities Securities , ,509 5,656 Loans and bills discounted... 2,675,992 2,555,153 22,660 Foreign exchange assets... 9,220 8, Other assets... 13,516 25, Tangible fixed assets... 32, Intangible fixed assets... 1, Premises and equipment... 36,546 Deferred tax assets... 4,062 3, Customers liabilities for acceptances and guarantees... 28,181 59, Reserve for possible loan losses... (37,576) (48,676) (318) Total Assets... 3,645,873 3,777,154 $30,873 Liabilities Deposits... 3,365,331 3,326,062 $28,498 Call money and bills sold... 36,343 Deposits received for bonds lending transactions... 29, , Borrowed money... 74,411 50, Foreign exchange liabilities Other liabilities... 21,682 15, Reserve for employees retirement benefits... 2,624 2, Reserve for possible losses on business restructuring Other reserve... 1,057 8 Acceptances and guarantees... 28,181 59, Total Liabilities... 3,523,002 3,645,493 29,833 Shareholders equity: Capital stock... 38,971 Capital surplus... 55,439 Capital reserve... 38,971 Other capital surplus... 16,467 Retained earnings... 32,644 Net unrealized gains on available-for-sale securities... 4,606 Total shareholders equity ,661 Total liabilities and shareholders equity... 3,777,154 Equity: Capital stock... 38, Capital surplus... 55, Capital reserve... 38, Other capital surplus... 16, Retained earnings... 22, Net unrealized gains on available-for-sale securities... 6, Total equity ,871 1,040 Total liabilities and equity... 3,645,873 $30,873 Notes: 1. Amounts of less than one million yen have been rounded down. 2. The rate of =U.S.$1.00, the approximate rate of exchange in effect on March 31, 2007, has been used.

2 Non-consolidated Statements of Income Millions of yen Millions of U.S. dollars Years ended March 31, 2007 and Income Interest income... 64,983 63,827 $550 Interest on loans and bills discounted... 56,257 55, Interest and dividends on securities... 7,765 7, Fees and commissions... 15,660 14, Other operating income... 2,660 2, Other income... 14,746 20, Total Income... 98, , Expenses Interest expenses... 6,833 4, Interest on deposits... 5,085 3, Fees and commissions... 7,580 8, Other operating expenses... 2,009 3, General and administrative expenses... 43,034 41, Other expenses... 14,177 14, Total Expenses... 73,634 72, Income before income taxes... 24,416 28, Income taxes current... 2,916 (12,567) 24 Income taxes deferred ,431 0 Net income... 21,439 31,880 $181 Notes: 1. Amounts of less than one million yen have been rounded down. 2. The rate of =U.S.$1.00, the approximate rate of exchange in effect on March 31, 2007, has been used. 95

3 96 Deposits and Negotiable Certificates of Deposit Liquid deposits... 1, ,471.0 Time deposits... 1, ,816.3 Other deposits Total... 3, ,326.0 Note: Liquid deposits = Current deposits + Ordinary deposits + Savings deposits + Deposits at notice Time deposits = Time deposits + Periodic time deposits Deposits by Type of Depositor Individuals... 2, ,663.8 Corporations Other Total... 3, ,326.0 Loans to SMEs and Individuals (Non-consolidated) Ratio to total loans Loans to SMEs and individuals... 2, , % 92.0% Loans to Individuals (Non-consolidated) Change Consumer loans total... 1, , Housing loans... 1, ,

4 Loans and Bills Discounted by Industry Manufacturing % 12.37% Agriculture % 0.02% Forestry % 0.01% Fishing % 0.02% Mining % 0.02% Construction % 4.86% Electric power, gas, heat supply, and water services % 0.19% Information and communications % 0.46% Transportation % 2.15% Wholesale and retail % 11.69% Financial services % 2.67% Real estate % 9.48% Services % 7.98% Local governments % 1.04% Other... 1, , % 47.04% Total... 2, , % % 97

5 98 Risk Management Loans March Change 2006 Loans to borrowers in legal bankruptcy (0.0) 2.6 Past due loans (1.4) 63.0 Loans past due three months or more (0.0) 1.9 Restructured loans (9.1) 35.8 Total* (10.7) Total loans and bills discounted... 2, ,555.1 Ratio of risk management loans to total loans and bills discounted (%) (0.58) 4.04 * Amounts are net of partial direct write-offs. Disclosure according to the Financial Reconstruction Law March Change 2006 Unrecoverable or valueless claims (2.6) 16.3 Risk claims Claims in need of special attention (9.1) 37.7 Financial Reconstruction Law subtotal (10.0) Nonclassified claims... 2, ,521.6 Financial Reconstruction Law total*... 2, ,626.2 Coverage ratio (%) (1.44) * Amounts are net of partial direct write-offs. Reserve for Possible Loan Losses March Change 2006 Reserves for possible loan losses (11.1) 48.6 General reserve for possible loan losses (6.4) 27.2 Specific reserve for possible loan losses (4.6) 21.4 Securities Japanese national and local government bonds Japanese corporate bonds Japanese corporate stocks Other securities Total book value

6 Capital Adequacy Ratio Beginning from March 31, 2007, the capital adequacy ratio has been calculated on both a consolidated and non-consolidated basis according to the formula specified in the standards (contained in Notification No. 19 issued in 2006 by the Financial Services Agency) for judging the appropriateness of capital adequacy ratios in light of assets, etc., held by banks pursuant to Article 14-2 of the Banking Law of Japan. The consolidated and non-consolidated capital adequacy ratios as of March 31, 2006, were calculated according to the formulas specified in the previous standards (contained in Notification No. 55 issued in 1993 by the former Ministry of Finance) pursuant to Article 14-2 of the Banking Law of Japan. The Company calculates its capital adequacy ratio in accordance with the Japanese domestic standard and has adopted the Standardized Approach in calculating credit risk assets. (1) Consolidated Capital Ratio (Japanese Domestic Standard) Tier I capital Capital Capital surplus Retained earnings Planned distribution of income... (13.8) Unrealized loss on available-for-sale securities... Foreign currency translation adjustments... Minority interests in consolidated subsidiaries Total qualifying Tier I capital (A) Tier II capital General reserve for possible loan losses Hybrid debt capital instruments Subtotal Tier II capital included as qualifying capital (B) Amount to be deducted (C) Total eligible capital (A)+(B) (C) (D) Risk-weighted assets On-balance-sheet items... 1, ,073.5 Off-balance-sheet items Credit risk assets (E)... 1, ,095.6 Assets for operational risk ((G)/8%) (F) (For reference: Amount of operational risk) (G) Total risk-weighted assets (E)+(F) (H)... 1, ,095.6 Capital adequacy ratio (D)/(H) 100% % 8.17% 99 (2) Non-consolidated Capital Ratio (Japanese Domestic Standard) Tier I capital Capital Capital reserve Other capital surplus Surplus profit carried forward to the next year Other retained earnings Planned distribution of income... (13.8) Unrealized loss on available-for-sale securities... Total qualifying Tier I capital (A) Tier II capital General reserve for possible loan losses Hybrid debt capital instruments Subtotal Tier II capital included as qualifying capital (B) Amount to be deducted (C) Total eligible capital (A)+(B) (C) (D) Risk-weighted assets On-balance-sheet items... 1, ,072.8 Off-balance-sheet items Credit risk assets (E)... 1, ,092.4 Assets for operational risk ((G)/8%) (F) (For reference: Amount of operational risk) (G) Total risk-weighted assets (E)+(F) (H)... 1, ,092.4 Capital adequacy ratio (D)/(H) 100% % 8.06%