FINANCIAL INFORMATION OF THE KINKI OSAKA BANK, LTD.

Transcription

1 FINANCIAL INFORMATION OF THE KINKI OSAKA BANK, LTD. 145 Non-consolidated Balance Sheet Millions of yen Millions of U.S. dollars March 31, Assets Cash and due from banks , ,509 $ 2,046 Call loans... 1,000 Monetary claims bought... 21,098 29, Trading securities... 2 Securities , ,362 6,484 Loans and bills discounted... 2,474,100 2,555,791 20,569 Foreign exchange assets... 4,341 3, Other assets... 8,891 8, Tangible fixed assets... 30,328 31, Intangible fixed assets Prepaid pension cost... 3,713 2, Deferred tax assets Customers liabilities for acceptances and guarantees... 10,475 9, Reserve for possible loan losses... (22,159) (27,028) (184) Total Assets... 3,557,218 3,619,772 $29,574 Liabilities Deposits... 3,257,652 3,285,969 $27,083 Negotiable certificates of deposit... 49, , Borrowed money... 82,600 72, Foreign exchange liabilities Other liabilities... 16,161 16, Reserve for employees bonuses... 2,643 2, Reserve for employees retirement benefits... 4,683 5, Other reserves... 4,147 3, Deferred tax liabilities... 2, Acceptances and guarantees... 10,475 9, Total Liabilities... 3,430,256 3,502,761 $28,518 Net assets Capital stock... 38,971 38,971 $ 324 Capital surplus... 55,439 55, Capital reserve... 38,971 38, Other capital surplus... 16,467 16, Retained earnings... 20,868 15, Total stockholders equity , ,493 $ 958 Net unrealized gains on available-for-sale securities... 11,683 7, Total valuation and translation differences... 11,683 7,516 $ 97 Total Net Assets , ,010 $ 1,055 Total Liabilities and Net Assets... 3,557,218 3,619,772 $29,574 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, 2015, has been used.

2 Non-consolidated Statement of Income Millions of yen Millions of U.S. dollars Year ended March 31, Income Interest income... 41,674 43,734 $346 Interest on loans and bills discounted... 36,362 38, Interest and dividends on securities... 4,854 4, Other interest income Fees and commissions... 17,149 15, Other operating income... 4,074 4, Other income... 5,910 3, Total Income... 68,809 67, Expenses Interest expenses... 2,969 4, Interest on deposits... 2,168 2, Other interest expenses ,218 6 Fees and commissions... 6,842 7, Other operating expenses General and administrative expenses... 40,364 39, Other expenses... 5,979 6, Total Expenses... 56,158 57, Net income before income taxes... 12,651 9, Income taxes current... (164) 1,063 (1) Income taxes deferred... 1,569 2, Net income... 11,245 5,927 $ 93 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, 2015, has been used.

3 147 Deposits and Negotiable Certificates of Deposit Liquid deposits (Domestic)... 1, ,762.7 Time deposits (Domestic)... 1, ,486.5 Other deposits Total... 3, ,391.9 Note: Liquid deposits = Current deposits + Ordinary deposits + Savings deposits + Deposits at notice Loans to SMEs and Consumers (Non-consolidated) Ratio to total loans Loans to SMEs and individuals... 2, , % 89.3% Loans to Consumers (Non-consolidated) Consumer loans total... 1, ,240.5 Housing loans... 1, ,208.3 Loans and Bills Discounted by Industry Manufacturing % 9.80% Agriculture, forestry % 0.03% Fishery % 0.01% Mining, quarrying of stone, gravel extraction % 0.00% Construction % 4.24% Electricity, gas, heating, water % 0.08% Information and communication % 0.51% Transportation, postal service % 1.26% Wholesale and retail trade % 10.70% Finance and insurance % 0.78% Real estate % 8.94% Goods rental and leasing % 0.83% Services % 4.82% Government, local government % 8.94% Others... 1, , % 49.06% Total... 2, , % 100.0%

4 Risk-managed Loans March Change 2014 Loans to borrowers in legal bankruptcy Past due loans (4.5) 66.7 Loans past due three months or more (0.1) 0.3 Restructured loans (9.7) 20.2 Total* (14.0) 87.8 Total loans and bills discounted... 2,474.1 (81.6) 2,555.7 Ratio of risk-managed loans to total loans and bills discounted (%) (0.45) 3.43 * Amounts are net of partial direct write-offs. Disclosure According to the Financial Reconstruction Act March Change 2014 Unrecoverable or valueless claims (0.4) 9.1 Risk claims (3.8) 58.5 Special attention loans (9.9) 20.6 Financial Reconstruction Act subtotal (14.1) 88.3 Normal claims... 2,428.8 (59.1) 2,487.9 Financial Reconstruction Act total*... 2,503.0 (73.2) 2,576.3 Coverage ratio (%) * Amounts are net of partial direct write-offs. 148 Reserve for Possible Loan Losses March Change 2014 Reserves for possible loan losses (4.8) 27.0 General reserve for possible loan losses (4.3) 12.0 Specific reserve for possible loan losses (0.5) 14.9 Securities Japanese national and local government bonds Japanese corporate bonds Japanese corporate stocks Other securities Total book value

5 149 Capital Adequacy Ratio (1) Consolidated Capital Adequacy Ratio (Japanese Domestic Standard) Items Amounts March 31, excluded 2015 under March 31, Amounts 2014 excluded under Core Capital: instruments and reserves Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capital plus related capital surplus and retained earnings / / of which: capital and capital surplus / 94.4 / of which: retained earnings / 23.5 / of which: treasury stock ( )... / / of which: planned distribution of income ( ) / 2.9 / of which: other than the above... / / Accumulated other comprehensive income included in Core Capital... (1.8) / / of which: foreign currency translation adjustments... / / of which: defined-benefit pension fund net assets (prepaid pension costs)... (1.8) / / Subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock... / / Adjusted minority interests, etc. (amount allowed to be included in Core Capital)... / / Reserves included in Core Capital: instruments and reserves / 6.7 / of which: general reserve for possible loan losses / 0.1 / of which: eligible provisions / 6.6 / Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves... / / Eligible capital instrument subject to transitional arrangement included in Core Capital: instruments and reserves / 55.0 / Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves... / / 45% of revaluation reserve for land included in Core Capital: instruments and reserves... / / Minority interests included in Core Capital subject to transitional arrangements... / / Core Capital: instruments and reserves (A) / / Core Capital: regulatory adjustments Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) of which: goodwill (including those equivalent)... of which: other intangible fixed assets other than goodwill and mortgage servicing rights Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) Shortfall of eligible provisions to expected losses... Capital increase due to securitization transactions... Gains and losses due to changes in own credit risk on fair valued liabilities... Defined-benefit pension fund net assets (prepaid pension costs)... Investments in own shares (excluding those reported in the Net Assets)... Reciprocal cross-holdings in capital instruments issued by Other Financial Institutions for raising capital that are held by the Bank... Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ( Other Financial Institutions ), net of eligible short positions, where the bank does not own more than 10% of the issued share capital ( Non-significant Investment ) (amount above the 10% threshold)... Amount exceeding the 10% threshold on specified items... Amount exceeding the 15% threshold on specified items... Core Capital: regulatory adjustments (B) / / Total capital Total capital ((A)-(B)) (C) / / Risk weighted assets Credit risk weighted assets... 1,262.9 / 1,246.4 / Total of items included in risk weighted assets subject to transitional arrangements / 1.0 / of which: intangible fixed assets other than goodwill and mortgage servicing rights (net of related tax liability) / 0.3 / of which: deferred tax assets (net of related tax liability) / 0.7 / of which: defined-benefit pension fund net assets (prepaid pension costs)... / / of which: Other Financial Institutions Exposures... / / of which: other than the above... / / Amount equivalent to market risk x / 0.5 / Amount equivalent to operational risk x / 91.5 / Credit risk weighted assets adjustments... / / Amount equivalent to operational risk adjustments... / / Total amount of risk weighted assets (D)... 1,354.1 / 1,338.5 / Capital adequacy ratio (consolidated) Capital adequacy ratio (consolidated) ((C)/(D)) % / 13.20% /

6 (2) Non-consolidated Capital Adequacy Ratio (Japanese Domestic Standard) Items Amounts March 31, excluded 2015 under March 31, Amounts 2014 excluded under Core Capital: instruments and reserves Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capital plus related capital surplus and retained earnings / / of which: capital and capital surplus / 94.4 / of which: retained earnings / 15.0 / of which: treasury stock ( )... / / of which: planned distribution of income ( ) / 2.9 / of which: other than the above... / / Subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock... / / Reserves included in Core Capital: instruments and reserves / 1.7 / of which: general reserve for possible loan losses / 0.0 / of which: eligible provisions / 1.6 / Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves... / / Eligible capital instrument subject to transitional arrangement included in Core Capital: instruments and reserves / 55.0 / Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves... / / 45% of revaluation reserve for land included in Core Capital: instruments and reserves... / / Core Capital: instruments and reserves (A) / / Core Capital: regulatory adjustments Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) of which: goodwill... of which: other intangible fixed assets other than goodwill and mortgage servicing rights Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) Shortfall of eligible provisions to expected losses... Capital increase due to securitization transactions... Gains and losses due to changes in own credit risk on fair valued liabilities... Prepaid pension cost Investments in own shares (excluding those reported in the Net Assets)... Reciprocal cross-holdings in capital instruments issued by Other Financial Institutions for raising capital that are held by the Bank... Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ( Other Financial Institutions ), net of eligible short positions, where the bank does not own more than 10% of the issued share capital ( Non-significant Investment ) (amount above the 10% threshold)... Amount exceeding the 10% threshold on specified items... Amount exceeding the 15% threshold on specified items... Core Capital: regulatory adjustments (B) / / Total capital Total capital ((A)-(B)) (C) / / Risk weighted assets Credit risk weighted assets... 1,264.5 / 1,241.7 / Total of items included in risk weighted assets subject to transitional arrangements / 1.8 / of which: intangible fixed assets other than goodwill and mortgage servicing rights (net of related tax liability) / 0.2 / of which: deferred tax assets (net of related tax liability) / 0.5 / of which: prepaid pension cost / 1.0 / of which: Other Financial Institutions Exposures... / / of which: other than the above... / / Amount equivalent to market risk x / 0.5 / Amount equivalent to operational risk x / 86.3 / Credit risk weighted assets adjustments... / / Amount equivalent to operational risk adjustments... / / Total amount of risk weighted assets (D)... 1,350.4 / 1,328.6 / Capital adequacy ratio Capital adequacy ratio ((C)/(D)) % / 12.29% / 150