七十七銀行（8341） – (Delayed)Interim Financial Information for Fiscal Year 2021(Ended September30,2021)

Interim Financial Information for Fiscal Year 2021(Ended September 30，2021)(Summary)THE 77 BANK, LTD.INTERIM FINANCIAL INFORMATIONFOR FISCAL YEAR 2021(ENDED SEPTEMBER 30，2021)(Summary)CONTENTSPAGEＩ． Interim Consolidated Information1. Interim Consolidated Balance Sheets………… 12. Interim Consolidated Statements of Income and Consolidated Interim Statements of Comprehensive Income ………… 33. Interim Consolidated Statements of Changes in Net Assets………… 54. Interim Consolidated Statements of Cash Flows5. Segment InformationⅡ． Interim Non-consolidated Information1. Interim Non-consolidated Balance Sheets2. Interim Non-consolidated Statements of IncomeⅢ． Explanatory Materials to Interim Financial Report1. Interim Financial Data2. Condition of Loans Portfolio3. Condition of Securities Portfolio………… 7………… 9………… 10………… 12………… 17………… 19………… 233. Interim Non-consolidated Statements of Changes in Net Assets ………… 13Ｉ．Interim Consolidated Information 1.Interim Consolidated Balance SheetsItem科目(Japanese)As ofMAR.31, 2021As ofSEP.30, 2021(Millions of Yen)Assets:Cash and due from banksDept purchasedTrading account securitiesMoney held in trustInvestment securitiesLoans and bills discountedForeign exchange assetsOther assetsTangible fixed assetsIntangible fixed assetsDeferred tax assetsReserve for loan lossesTotal assetsCustomers’ liabilities for acceptances andguarantees（資産の部）現金預け金買入金銭債権商品有価証券金銭の信託有価証券貸出金外国為替その他資産有形固定資産無形固定資産繰延税金資産支払承諾見返貸倒引当金資産の部合計Lease receivables and investment assetsリース債権及びリース投資資産1,371,8711,668,8784,00020,627108,9013,106,5425,088,5705,86519,63796,56833,28634798443,735(61,356)4,00021,271111,3293,122,1645,147,2916,42420,18990,09332,34433199738,643(62,203)Note: The amounts are rounded down to the nearest million.9,839,58110,201,756- 1 -Item科目(Japanese)As ofMAR.31, 2021As ofSEP.30, 2021(Millions of Yen)8,316,0218,232,774Liabilities:DepositsNegotiable certificates of depositPayables under securities lendingtransactionsBorrowed moneyForeign exchange liabilitiesOther liabilities債券貸借取引受入担保金（負債の部）預金譲渡性預金借用金外国為替その他負債Liability for bonus for directors and corporateauditors役員賞与引当金Liability for employees’ retirement benefits退職給付に係る負債Liability for directors’ and corporate auditors’retirement benefits役員退職慰労引当金Reserve for stock benefits株式給付引当金Reserve for reimbursement of deposits睡眠預金払戻損失引当金Reserve for contingent lossesReserves under special lawsDeferrd tax liabilitiesAcceptances and guaranteesTotal liabilitiesNet assets:Common stockCapital surplusRetained earningsTreasury stockTotal stockholders’ equityUnrealized gains on available-for-salesecuritiesDeferred gain (loss) on derivatives underhedge accountingRemeasurements of defined benefit plansTotal accumulated other comprehensiveincomeTotal net assets偶発損失引当金特別法上の引当金繰延税金負債支払承諾負債の部合計(純資産の部)資本金資本剰余金利益剰余金自己株式株主資本合計その他有価証券評価差額金繰延ヘッジ損益退職給付に係る調整累計額その他の包括利益累計額合計純資産の部合計211,46025,869604,67915583,1446817,10236817311804022,03743,73524,65820,517374,218(6,972)412,421(375)(5,265)100,916513,337240,9001,2011,028,8707486,351－16,05637807282779025,50438,64324,65820,075384,545(6,444)422,835(292)(4,800)106,636529,4719,326,2439,672,285106,557111,730Total liabilities and net assets負債及び純資産の部合計9,839,58110,201,756Note: The amounts are rounded down to the nearest million.- 2 -2.Interim Consolidated Statements of Incomeand Consolidated Interim Statements of Comprehensive IncomeInterim Consolidated Statements of Income Item科目（Japanese）For the sixmonths endedSEP.30, 2020For the sixmonths endedSEP.30, 2021(Millions of Yen)Ordinary incomeInterest income経常収益資金運用収益[Interest on loans and discounts][うち貸出金利息]20,739 ] [20,965 ][Interest and dividends on tradingaccount and investment securities][うち有価証券利息配当金]13,336 ] [15,967 ]Fees and commissionsOther operating incomeOther incomeOrdinary expensesInterest expenses[Interest on deposits]Fees and commissionsOther operating expensesOther expensesOrdinary profitsExtraordinary incomeExtraordinary lossImpairment lossGeneral and administrative expenses営業経費[[[役務取引等収益その他業務収益その他経常収益経常費用資金調達費用[うち預金利息]役務取引等費用その他業務費用その他経常費用経常利益特別利益特別損失減損損失Transfer to reserve for financial productstransaction liabilitiesIncome before income taxes and minorityinterests金融商品取引責任準備金繰入額Income taxes – current法人税、住民税及び事業税Income taxes – deferredTotal Income taxesNet income 法人税等調整額法人税等合計中間純利益Net income attributable to owners of theparent親会社株主に帰属する中間純利益Note: The amounts are rounded down to the nearest million.192 ] [55,60934,2588,2956,3726,68244,5358273,1875,45227,6227,44511,073－14614603,557(108)3,4497,4777,47761,59437,33730982 ]9,6897,2617,30543,1692,44410,62427,0942,69618,424－42142105,5023175,81912,18312,183税金等調整前中間純利益10,92718,002- 3 -Consolidated Interim Statements of Comprehensive IncomeItem科目（Japanese）For the sixmonths endedSEP.30, 2020For the sixmonths endedSEP.30, 2021(Millions of Yen)Net income 中間純利益Other comprehensive incomeその他の包括利益Unrealized gain on availabele-for-salesecuritiesその他有価証券評価差額金Deferred gains or losses on hedges繰延ヘッジ損益Defined retirement benefit plans退職給付に係る調整額Comprehensive　income中間包括利益Comprehensive income attributable toowners of the parent親会社株主に係る中間包括利益Note: The amounts are rounded down to the nearest million.7,47718,28817,51321156325,76625,76612,1835,7205,1728246417,90317,903- 4 -3.Interim Consolidated Statements of Changes in Net AssetsFor the six months ended Sep.30,2020 (from April 1, 2020 to September 30, 2020) Item（Japanese)Common stockCapital surplusTreasury stockStockholders’ equityRetainedearnings株主資本(Millions of Yen)Totalstockholders’equity資本金資本剰余金利益剰余金自己株式株主資本合計24,65820,517361,462(7,040)399,597(1,856)7,477 (1,856)7,477(0)70(0)70当中間期変動額合計－－5,621695,690当中間期末残高24,65820,517367,083(6,971)405,288Note: The amounts are rounded down to the nearest million.(Millions of Yen)Accumulated other comprehensive incomeUnrealized gain onavailable-for-salesecuritiesDeferred gain(loss) onderivativesunder hedgeaccountingDefinedretirementbenefit plansその他の包括利益累計額Totalaccumulatedothercomprehensiveincomeその他有価証券評価差額金繰延ヘッジ損益退職給付に係る調整累計額その他の包括利益累計額合計Total netassets純資産合計56,207(826)(7,541)47,838447,436当期首残高当中間期変動額剰余金の配当親会社株主に帰属する中間純利益自己株式の取得自己株式の処分株主資本以外の項目の当中間期変動額(純額)Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusNet incomeattributable to ownersPurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent periodItem（Japanese)Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusNet incomeattributable to ownersPurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent period当期首残高当中間期変動額剰余金の配当親会社株主に帰属する中間純利益自己株式の取得自己株式の処分株主資本以外の項目の当中間期変動額(純額)当中間期変動額合計当中間期末残高Note: The amounts are rounded down to the nearest million.17,51317,51373,72021121156356318,28818,28818,28823,979(615)(6,978)66,126471,415(1,856)7,477(0)70- 5 – For the six months ended Sep.30,2021 (from April 1, 2021 to September 30, 2021) Item（Japanese)Common stockCapital surplusTreasury stockStockholders’ equityRetainedearnings株主資本(Millions of Yen)Totalstockholders’equity資本金資本剰余金利益剰余金自己株式株主資本合計24,65820,517374,218(6,972)412,421(1,856)12,813(1,856)12,183(514)(514)(441) 1,042601当中間期変動額合計－(441)10,32652810,414当中間期末残高24,65820,075384,545(6,444)422,835Note: The amounts are rounded down to the nearest million.(Millions of Yen)Accumulated other comprehensive incomeUnrealized gain onavailable-for-salesecuritiesDeferred gain(loss) onderivativesunder hedgeaccountingDefinedretirementbenefit plansその他の包括利益累計額Totalaccumulatedothercomprehensiveincomeその他有価証券評価差額金繰延ヘッジ損益退職給付に係る調整累計額その他の包括利益累計額合計Total netassets純資産合計106,557(375)(5,265)100,916513,337当期首残高当中間期変動額剰余金の配当親会社株主に帰属する中間純利益自己株式の取得自己株式の処分株主資本以外の項目の当中間期変動額(純額)Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusNet incomeattributable to ownersPurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent periodItem（Japanese)Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusNet incomeattributable to ownersPurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent period当期首残高当中間期変動額剰余金の配当親会社株主に帰属する中間純利益自己株式の取得自己株式の処分株主資本以外の項目の当中間期変動額(純額)当中間期変動額合計当中間期末残高Note: The amounts are rounded down to the nearest million.5,1725,17282824644645,7205,7205,72016,134111,730(292)(4,800)106,636529,471(1,856)12,183(514)601- 6 -4.Interim Consolidated Statements of Cash Flows Ⅰ.Operating activities:営業活動によるｷｬｯｼｭ･ﾌﾛｰIncome before income taxes and minorityinterests税金等調整前中間純利益Depreciation and amortizationImpairment loss減価償却費減損損失Change in reserve for loan losses貸倒引当金の増減Change in reserve for contingent losses偶発損失引当金の増減Change in liability for bonus for directors andcorporate auditorsChange in liability for employees’ retirementbenefitsChange in liability for directors’ and corporateauditors’ retirement benefitsChange in reserve for stock benefitsChange in reserve for reimbursement of depositsInterest incomeInterest expense役員賞与引当金の増減額退職給付に係る負債の増減額役員退職慰労引当金の増減額株式給付引当金の増減睡眠預金払戻損失引当金の増減資金運用収益資金調達費用Losses (gains) on investment securities – net有価証券関係損益Gains on money held in trust – net金銭の信託の運用損益Foreign exchange gains (losses) -net為替差損益Gains on disposals of fixed assetsNet change in loans and bills discountedNet change in deposits固定資産処分損益貸出金の純増減預金の純増減Net change in negotiable certificates of deposit譲渡性預金の純増減Net change in borrowed moneyNet change in due from banksNet change in call loans and othersNet change in call money and others借用金（劣後特約付借入金を除く）の純増減預け金(日銀預け金を除く）の純増減ｺｰﾙﾛｰﾝ等の純増減ｺｰﾙﾏﾈｰ等の純増減Net change in payable under securities lendingtransactions債券貸借取引受入担保金の純増減Net change in trading account securities商品有価証券の純増減Net change in foreign exchange assets外国為替(資産)の純増減Net change in foreign exchange liabilities外国為替(負債)の純増減Net change in lease receivables and investmentassetsリース債権及びリース投資資産の純増減Interest receivedInterest paidOther – netSub totalIncome taxes (paid) refund法人税等の支払額又は還付額Net cash provided by (used in) operating activities 営業活動によるｷｬｯｼｭ･ﾌﾛｰNote: The amounts are rounded down to the nearest million.資金運用による収入資金調達による支出その他小計- 7 -(Millions of Yen)For the sixmonths endedSep.30,2020For the sixmonths endedSep.30,202110,9271,4901464,374(61)(81)(140)2310827(1,496)(2,254)3,02538(41,409)335,984(30,860)268,306(4,128)429(8,706)(677)4217611936,471(1,042)9,460536,194(5,118)531,076(34,258)(37,337)(10,806)(24,668)18,0021,670421846(24)(68)(377)0(9)(29)309429(1,352)(655)127(58,721)(83,246)29,440424,191(9,632)0-(644)(558)(80)(551)38,933(361)5,820301,874(1,971)299,903(Millions of Yen)For the sixmonths endedSep.30,2020For the sixmonths endedSep.30,2021Ⅱ.Investing activities:投資活動によるｷｬｯｼｭ･ﾌﾛｰPurchases of investment securities有価証券の取得による支出(412,615)(326,291)Proceeds from sales of investment securities有価証券の売却による収入76,552141,763Proceeds from maturity of investment securities 有価証券の償還による収入282,164175,087Purchases of tangible fixed assets(1,464)(1,170)Proceeds from sales of tangible fixed assetsPurchases of intangible fixed assetsPayments for asset retirement obligations有形固定資産の取得による支出有形固定資産の売却による収入無形固定資産の取得による支出資産除去債務の履行による支出Net cash （used in) provided by investing activities 投資活動によるｷｬｯｼｭ･ﾌﾛｰ(55,357)(10,675)Ⅲ.Financing activities:Purchases of treasury stock 財務活動によるｷｬｯｼｭ･ﾌﾛｰ自己株式の取得による支出Proceeds from sales of treasury stock自己株式の売却による収入Dividends paid配当金の支払額Net cash used in financing activities財務活動によるｷｬｯｼｭ･ﾌﾛｰⅣ.Foreign currency translation adjustments oncash and cash equivalentsⅤ.Net increase(decrease)in cash and cashequivalentsⅥ.Cash and cash equivalents，beginning of termⅦ.Cash and cash equivalents，end of term現金及び現金同等物に係る換算差額現金及び現金同等物の増減額現金及び現金同等物の期首残高現金及び現金同等物の中間期末残高Note: The amounts are rounded down to the nearest million.5－－(0)－(1,859)(1,860)(0)16(3)(77)514513(1,853)(1,854)0473,857287,374737,4061,366,9911,211,2641,654,365- 8 -5.Segment Information The Companies are principally engaged in the banking business and also leasing business and other financial services.The reportable segments of theBank are the segments for which separate financial information is available,and are subject to periodic review by the chief operating decision maker todetermine the allocation of management resources and assess peformance. Since the reportable segments of the Companies consist only of the “Banking”segment and since the“Other”segment is immaterial,segmentinformation is omitted.- 9 -Ⅱ.Interim Non-consolidated Information1.Interim Non-consolidated Balance Sheets (Parent Company)Item科目(Japanese)As ofMAR.31, 2021As ofSEP.30, 2021(Millions of Yen)Assets:Cash and due from banksDept purchasedTrading account securitiesMoney held in trustInvestment securitiesLoans and bills discountedForeign exchange assetsOther assetsTangible fixed assetsIntangible fixed assetsCustomers’ liabilities for acceptances andguaranteesReserve for loan lossesTotal assetsNote: The amounts are rounded down to the nearest million.（資産の部）現金預け金買入金銭債権商品有価証券金銭の信託有価証券貸出金外国為替その他資産有形固定資産無形固定資産支払承諾見返貸倒引当金資産の部合計1,371,8111,668,8044,00020,627108,9013,116,0035,097,4805,86573,14232,95525843,7354,00021,271111,3293,131,5785,156,6266,42466,46332,03726038,643(56,855)(57,797)9,817,92410,179,642- 10 -Item科目(Japanese)As ofMAR.31, 2021As ofSEP.30, 2021(Millions of Yen)Negotiable certificates of depositPayables under securities lending transactions債券貸借取引受入担保金8,327,2298,244,792Liabilities:DepositsBorrowed moneyForeign exchange liabilitiesOther liabilitiesIncome tax payableLease obligationsasset retirement obligationsOtherDeferred tax liabilitiesAcceptances and guaranteesTotal liabilitiesNet assets:Common stockCapital surplusLegal capital surplusOther capital surplusRetained earningsLegal retained earningsOther retained earnings（負債の部）預金譲渡性預金借用金外国為替その他負債未払法人税等リース債務資産除去債務その他の負債繰延税金負債支払承諾負債の部合計(純資産の部)資本金資本剰余金資本準備金その他資本剰余金利益剰余金利益準備金その他利益剰余金固定資産圧縮積立金224,46025,869597,20515561,7699644966760,087499,38981731180424,33043,73524,6588,9377,8351,102368,62324,658343,965687253,9001,2011,019,7617465,7762,7903663162,317－9,00080728277927,53438,64324,6588,4967,835661378,60324,658353,9446789,316,1279,662,554Liability for bonus for directors and corporateauditors役員賞与引当金Liability for employees’ retirement benefits退職給付引当金株式給付引当金Reserve for reimbursement of deposits睡眠預金払戻損失引当金Reserve for contingent losses偶発損失引当金Reserve for advanced depreciation ofnoncurrent assetsGeneral reserve別途積立金326,305337,305Retained earnings brought forward繰越利益剰余金Treasury stockTotal stockholders’ equityUnrealized gains on available-for-salesecuritiesDeferred gain (loss) on derivatives underhedge accounting自己株式株主資本合計その他有価証券評価差額金繰延ヘッジ損益Total valuation and translation adjustments評価・換算差額等合計Total net assets純資産の部合計16,972(6,132)15,961(5,603)396,087406,154106,085111,226(375)(292)105,709501,797110,933517,087Total liabilities, and net assets負債及び純資産の部合計9,817,92410,179,642Note: The amounts are rounded down to the nearest million.- 11 -[[[2.Interim Non-consolidated Statements of Income (Parent Company)(Millions of Yen)Item科目（Japanese）For the sixmonths endedSEP.30, 2020For the sixmonths endedSEP.30, 2021Ordinary income経常収益Interest income資金運用収益50,06534,88555,21538,056[Interest on loans and discounts][うち貸出金利息]20,711 ] [20,947 ][Interest and dividends on tradingaccount and investment securities][うち有価証券利息配当金]13,990 ] [16,705 ]Fees and commissions役務取引等収益Other operating incomeその他業務収益Other incomeその他経常収益Ordinary expenses経常費用39,44337,690Interest expenses資金調達費用817295[Interest on deposits][うち預金利息]192 ] [82 ]Fees and commissions役務取引等費用Other operating expensesその他業務費用General and administrative expenses 営業経費26,19925,579Other expensesその他経常費用7,3752,67410,62217,524Ordinary profitsExtraordinary incomeExtraordinary loss経常利益特別利益特別損失Income before income taxes税引前中間純利益10,47617,1037,8546156,7103,6861,364－1463,193(128)3,0657,4119,3305527,2752,9536,187－4214,9802855,26611,836Income taxes – current法人税、住民税及び事業税Income taxes – deferred法人税等調整額Total income taxes法人税等合計Net income中間純利益Note: The amounts are rounded down to the nearest million.- 12 -3.Interim Non-consolidated Statements of Changes in Net Assets (Parent Company) For the six months ended Sep.30,2020(from April 1, 2020 to September 30, 2020) Item（Japanese)CommonstockLegalcapitalsurplusOthercapitalsurplusTotalcapitalsurplusLegalretainedearningsCapital surplusStockholders’ equity(Millions of Yen)Retained earningsOther retained earningsReserve foradvanceddepreciation of noncurrentassetsGeneralreserveRetainedearningsbroughtforwardTotalretainedearnings資本剰余金株主資本利益剰余金その他利益剰余金資本金資本準備金その他資本剰余金資本剰余金合計利益準備金固定資産圧縮積立金別途積立金繰越利益剰余金利益剰余金合計24,6587,8351,1028,93724,658708312,80519,230357,402(1,856)(1,856)(10)10－－13,500(13,500)7,4117,411 当期首残高当中間期変動額剰余金の配当固定資産圧縮積立金の取崩別途積立金の積立自己株式の取得自己株式の処分株主資本以外の項目の当中間期変動額(純額)Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusReversal of reser‐vefor advanceddepreciation ofProvision of generalreservePurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent periodInterim net income中間純利益当中間期変動額合計－－－－－(10)13,500(7,935)5,554当中間期末残高24,6587,8351,1028,93724,658697326,30511,295362,957Note: The amounts are rounded down to the nearest million.- 13 -(Millions of Yen)Stockholders’ equityValuation and translation adjustmentsTreasurystockTotalstockholders’equityUnrealized gain onavailable-for-salesecuritiesDeferred gainon derivativesunder hedgeaccountingTotal valuationand translationadjustmentsTotal netassets株主資本評価・換算差額等自己株式株主資本合計その他有価証券評価差額金繰延ヘッジ損益評価・換算差額等合計純資産合計(6,200)384,79855,917(826)55,091439,889Item（Japanese)当期首残高当中間期変動額剰余金の配当固定資産圧縮積立金の取崩別途積立金の積立自己株式の取得自己株式の処分株主資本以外の項目の当中間期変動額(純額)Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusReversal of reserve foradvanced depreciationof noncurrent assetsProvision of generalreservePurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent periodInterim net income中間純利益(1,856)－－（0）707,411（0）70当中間期変動額合計695,624当中間期末残高(6,130)390,422(615)72,721463,14417,41817,41873,33621121117,63017,63017,63023,254Note: The amounts are rounded down to the nearest million.(1,856)－－（0）707,411- 14 -　For the six months ended Sep.30,2021(from April 1, 2021 to September 30, 2021) Item（Japanese)CommonstockLegalcapitalsurplusOthercapitalsurplusTotalcapitalsurplusLegalretainedearningsCapital surplusStockholders’ equity(Millions of Yen)Retained earningsOther retained earningsReserve foradvanceddepreciation of noncurrentassetsGeneralreserveRetainedearningsbroughtforwardTotalretainedearnings資本剰余金株主資本利益剰余金その他利益剰余金資本金資本準備金その他資本剰余金資本剰余金合計利益準備金固定資産圧縮積立金別途積立金繰越利益剰余金利益剰余金合計24,6587,8351,1028,93724,658687326,30516,972368,623(1,856)(1,856)(9)9－－11,000(11,000)11,83611,836(441)(441) 当期首残高当中間期変動額剰余金の配当固定資産圧縮積立金の取崩別途積立金の積立自己株式の取得自己株式の処分株主資本以外の項目の当中間期変動額(純額)Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusReversal of reser‐vefor advanceddepreciation ofProvision of generalreservePurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent periodInterim net income中間純利益当中間期変動額合計－－(441)(441)－(9)11,000(1,010)9,979当中間期末残高24,6587,8356618,49624,658678337,30515,961378,603Note: The amounts are rounded down to the nearest million.- 15 -(Millions of Yen)Stockholders’ equityValuation and translation adjustmentsTreasurystockTotalstockholders’equityUnrealized gain onavailable-for-salesecuritiesDeferred gainon derivativesunder hedgeaccountingTotal valuationand translationadjustmentsTotal netassets株主資本評価・換算差額等自己株式株主資本合計その他有価証券評価差額金繰延ヘッジ損益評価・換算差額等合計純資産合計(6,132)396,087106,085(375)105,709501,797Item（Japanese)当期首残高当中間期変動額剰余金の配当固定資産圧縮積立金の取崩別途積立金の積立Balance at the start ofcurrent periodChanges of items duringthe periodDividends fromsurplusReversal of reserve foradvanced depreciationof noncurrent assetsProvision of generalreservePurchase of treasurystockDisposal of treasurystockNet changes of itemsother thanshareholders’equityTotal changes of itemsduring the periodBalance at the end ofcurrent periodInterim net income中間純利益(1,856)－－11,836(514)601自己株式の取得(514)(514)自己株式の処分1,042601株主資本以外の項目の当中間期変動額(純額)当中間期変動額合計52810,0665,1415,14182825,2235,2235,22315,290当中間期末残高(5,603)406,154111,226(292)110,933517,087Note: The amounts are rounded down to the nearest million.(1,856)－－11,836- 16 -Ⅲ.Explanatory Materials to Interim Financial Report1.Interim Financial DataFor the six monthsended Sep.30,2021(A)(A)-(B)For the sixmonthsended Sep.30,2020 (B) For FY 2020endedMar.31,2021 （Ref.）Interest margin（Domestic operations）【Non-consolidated】For the six monthsended Sep.30,2021(A)(A)-(B)For the sixmonthsended Sep.30,2020 (B) For FY 2020endedMar.31,2021A. Interest Margin 【Non-consolidated】(1) Fund management yield (A)Loans and bills discounted interestrateSecurities interest rate(2) Funding cost (B)Deposits and certificates of depositinterest rate(3) Net interest margin (A)-(B)(Japanese)資金運用利回貸出金利回有価証券利回資金調達原価預金等利回総資金利鞘(Japanese)(1) Fund management yield (A)資金運用利回Loans and bills discounted interestrateSecurities interest rate(2) Funding cost (B)Deposits and certificates of depositinterest rate(3) Net interest margin (A)-(B)貸出金利回有価証券利回資金調達原価預金等利回総資金利鞘B. Gains or Losses of Securities 【Non-consolidated】Gains on salesGains on maturityLosses on salesLosses on maturityWrite-offGains on salesLosses on salesWrite-off売却益償還益売却損償還損償却売却益売却損償却Gains (losses) on stocks株式等関係損益0.800.821.110.540.000.260.780.821.110.530.000.25(A)(5,918)153－1,6484,404195,4895,503－140.01(0.01)0.14(0.07)0.000.080.010.000.17(0.06)0.000.07(A)-(B)(5,461)(81)－1,6473,734(1)3,5362,704(843)130.790.830.970.610.000.180.770.820.940.590.000.18(457)234－1670201,9532,7998431Gains (losses) on bonds国債等債券損益(Japanese)For the six monthsended Sep.30,2021For the sixmonthsended Sep.30,2020 (B) (Millions of Yen)For FY 2020endedMar.31,2021(12,730)(％)(％)0.800.831.010.590.000.210.780.831.000.580.000.20404－10912,90511910,74111,8361,0931- 17 -C. Capital Adequacy Ratio　【Consolidated】（Domestic Standard）(Japanese)As of SEP.30, 2021(A)(A)-(B)(B)(Millions of Yen)MAR.31, 2021(1) Capital adequacy ratio自己資本比率10.38%(0.01%)10.39%(2) Basic items related to core capitalコア資本に係る基礎項目451,90712,679439,228(3) Adjustments related to core capital コア資本に係る調整項目229(10)239(4) Total capital (2)-(3)自己資本451,67812,690438,988 (5) Risk-adjusted assetsリスクアセット4,349,837124,9154,224,922　【Non-consolidated】（Domestic Standard）(Japanese)As of SEP.30, 2021(A)(A)-(B)(B)(Millions of Yen)MAR.31, 2021(1) Capital adequacy ratio自己資本比率10.13%(0.01%)10.14%(2) Basic items related to core capitalコア資本に係る基礎項目437,307 11,911425,396(3) Adjustments related to core capital コア資本に係る調整項目1821181(4) Total capital (2)-(3)自己資本437,12511,910425,215(5) Risk-adjusted assetsリスクアセット4,314,256123,4424,190,814- 18 -2.Condition of Loans PortfolioA. Risk-monitored LoansPartly direct write-off : Not applicableStandard for not appropriating accrued interest : All the accrued interest to borrowers in “Legalbankruptcy”, “Virtual bankruptcy” and “Possible bankruptcy” based on self creditassessments is not appropriated.Loans to borrowers belonging to the above classifications, regardless of the accruedinterest, are classified as “Loans to borrowers under bankruptcy” or “Past due loans”.(Japanese)As of SEP.30, 2021(A)-(B)(A)-(C)Total合計(4,693)110,862114,644Loans and bills discounted貸出金残高(末残）5,156,62659,146220,9655,097,4804,935,661 Amount of partly direct write-off部分直接償却額(Japanese)As of SEP.30, 2021(A)7,944(A)-(B)(A)-(C)(6,975)(B)8,453Total of risk-monitored loansリスク管理債権額合計102,0072,282102,408Loans and bills discounted貸出金残高(末残）5,148,68159,655227,9395,089,0264,920,742Percentage of total loans貸出金残高比1.98(0.03)(0.04)2.012.02(Million of Yen，％)MAR.31, 2021 SEP.30, 2020(Japanese)As of SEP.30, 2021(A)-(B)(A)-(C)【Non-consolidated】Loans to borrowers under bankruptcy破綻先債権額Past due loans延滞債権額Accruing loans contractually past duethree months or more３カ月以上延滞債権額Restructured loans貸出条件緩和債権額= Percentage of total loans and bills discounted =Loans to borrowers under bankruptcy破綻先債権額Past due loans延滞債権額Accruing loans contractually past duethree months or more３カ月以上延滞債権額Restructured loans貸出条件緩和債権額Total合計(Ref.) In case of applying partly direct write-off【Consolidated】Loans to borrowers under bankruptcy破綻先債権額Past due loans延滞債権額Accruing loans contractually past duethree months or more３カ月以上延滞債権額Restructured loans貸出条件緩和債権額= Percentage of total loans and bills discounted =Loans to borrowers under bankruptcy破綻先債権額Past due loans延滞債権額Accruing loans contractually past duethree months or more３カ月以上延滞債権額Restructured loans貸出条件緩和債権額Total合計(A)2,37372,7791,48033,317109,9510.041.410.020.642.13(A)2,60673,6101,48033,326111,0230.051.430.020.642.15- 19 -(Millions of Yen)MAR.31, 2021 SEP.30, 2020(B)3,02073,339(C)9,03571,6111,0321,56233,46932,4350.051.430.020.652.17(％)0.181.450.030.652.32(C)14,91999,725(Millions of Yen)MAR.31, 2021SEP.30, 2020(B)3,29174,188(C)9,32672,6011,0321,56233,47632,4440.061.450.020.652.20(％)0.181.470.030.652.35(6,662)1,168(82)882(0.14)(0.04)(0.01)(0.01)(0.19)(6,720)1,009(82)882(0.13)(0.04)(0.01)(0.01)(0.20)(647)(560)448(152)(911)(0.01)(0.02)0.00(0.01)(0.04)(509)(401)(685)(578)448(150)(966)(0.01)(0.02)0.00(0.01)(0.05)Total合計(4,912)111,989115,935Loans and bills discounted貸出金残高(末残）5,147,29158,721219,6615,088,5704,927,630B. Reserve for Loan Losses(1) Write-off and Reserve Standard a．General ReserveClassifications(Japanese)Reserve StandardClaims on normal debtors正常先債権Amounts are booked in general loan loss reserves based on the actualloan-loss ratio for the last two yearsClaims on debtors undercaution, other than special-mentioned要管理先以外の要注意先債権Amounts are booked in general loan loss reserves based on the actualloan-loss ratio for the last two yearsClaims on special-mentioneddebtors under caution要管理先債権Amounts are booked in general loan loss reserves based on the actualloan-loss ratio for the last three years.In addition, for borrowers that exceed credit limits, amounts are bookedin general loan loss reserves based on the discounted cash flow method.Claims ondebtorsundercaution b. Special ReserveClassifications(Japanese)Write-off and Reserve StandardClaims on debtors under possiblebankruptcy破綻懸念先債権Claims on debtors under virtual bankruptcy実質破綻先債権Claims on debtors under legal bankruptcy破綻先債権For loans not secured by collateral or guarantees, amounts aretransferred to special loan loss reserves based on the actual loan-lossratio for the last three years.In addition, for borrowers that exceed credit limits, amounts aretransferred to special loan loss reserves based on the discounted cashflow method.All loans not secured by collateral or guarantees are transferred to thespecial loan loss reserve or written off.(2) Conditions of Reserve for Possible Loan Losses【Non-consolidated】Reserve for Loan lossesGeneral reserveSpecial reserveSpecial reserve for loans to certaincountries【Consolidated】Reserve for Loan lossesGeneral reserveSpecial reserveSpecial reserve for loans to certaincountriesAs of SEP.30, 2021MAR.31, 2021 SEP.30, 2020(A)(A)-(B)(A)-(C)(B)(C)(Millions of Yen)57,79732,42725,370942(4,865)56,85562,6622,0662,010(1,124)(6,874)30,36126,49430,41732,244特定海外債権引当勘定－－－－－As of SEP.30, 2021MAR.31, 2021SEP.30, 2020(A)(A)-(B)(A)-(C)(B)(C)(Millions of Yen)62,20335,14727,055847(5,392)61,35667,5952,0231,846(1,176)(7,238)33,12428,23133,30134,293特定海外債権引当勘定－－－－－(Japanese)貸倒引当金一般貸倒引当金個別貸倒引当金(Japanese)貸倒引当金一般貸倒引当金個別貸倒引当金- 20 -C. Loans by Industry 【Non-consolidated】(Japanese)As of SEP.30, 2021(A)(A)-(B)(A)-(C)(B)(C)(Millions of Yen)MAR.31, 2021 SEP.30, 2020Domestic offices（Excluding Japan offshorebanking accounts）国内店分(除く特別国際金融取引勘定分)5,156,62659,146220,9655,097,4804,935,661Manufacturing製造業426,928(16,773)(41,841)443,701468,769Agriculture and Forestry農業、林業Fishery漁業Mining and quarrying ofstone and gravel鉱業、採石業、砂利採取業7,1884,3912,935394185(109)582(542)(163)6,7944,2063,0446,6064,9333,098Construction companies建設業159,899(6,501)5,068166,400154,831Utilities電気･ガス･熱供給･水道業229,60114,15217,812215,449211,789Information andcommunicationsTransport and postalactivitiesReal estate and goodsrental and leasing情報通信業21,183419(278)20,76421,461運輸業、郵便業117,640(5,820)4,684123,460112,956Wholesale and retail卸売業、小売業428,80324,074408,223404,729Financial institutions金融業、保険業388,49474,787368,356313,707不動産業、物品賃貸業 1,128,48467,6011,105,8391,060,883Services,N.E.C.その他ｻｰﾋﾞｽ業366,34810,802363,766355,546Municipalities地方公共団体644,439(11,253)14,621655,692629,818Otherその他1,230,28518,50443,7551,211,7811,186,530D. Risk-monitored Loans by Industry【Non-consolidated】(Japanese)As of SEP.30, 2021(A)(A)-(B)(A)-(C)(B)(C)(Millions of Yen)MAR.31, 2021 SEP.30, 2020Domestic offices（Excluding Japan offshorebanking accounts）国内店分(除く特別国際金融取引勘定分)Manufacturing製造業Agriculture and Forestry農業、林業Fishery漁業Mining and quarrying ofstone and gravel鉱業、採石業、砂利採取業Construction companies建設業Utilities電気･ガス･熱供給･水道業Information andcommunicationsTransport and postalactivities情報通信業運輸業、郵便業109,95114,911731816526,8946601,6002,305Financial institutions金融業、保険業Real estate and goodsrental and leasing不動産業、物品賃貸業Services,N.E.C.その他ｻｰﾋﾞｽ業30810,35331,355(4,693)110,862114,644(6,259)14,56621,17016268(17)(85)(37)88651740734617,1096651,5321,585715548696,9796971,5121,654(95)325403(1,424)12,07311,777(1,360)32,36632,715Wholesale and retail卸売業、小売業29,7223,96428,85125,758Municipalities地方公共団体－－－－Otherその他10,239(400)10,24810,63920,58020,13822,6452,582(911)345(9)82(9)(215)(5)68720871(17)(1,720)(1,011)－(9)- 21 -E. Loans to Consumers【Non-consolidated】Consumer loansHousing loansOther consumer loans【Non-consolidated】(Japanese)消費者ﾛｰﾝ残高うち住宅ローン残高うちその他ローン残高As of SEP.30, 2021MAR.31, 2021 SEP.30, 2020(A)(A)-(B)(A)-(C)(B)(C)1,231,7611,173,66358,09815,34515,865(520)38,85538,4124441,216,4161,192,9061,157,7981,135,25158,61857,654(Millions of Yen)F. Loans to Small & Medium-sized Companies and to Consumers(Japanese)As of SEP.30, 2021MAR.31, 2021SEP.30, 2020(A)(A)-(B)(A)-(C)(B)(C)(％)Percentage of total loans中小企業等貸出比率63.560.370.6963.1962.87- 22 -3.Condition of Securities PortfolioA. Appraisal Standard for Investment Securities Available-for-sale securitiesMarket value method (unrealized gains/losses are recorded inprofit and loss)時価法(評価差額を損益処理) Held-to-maturity securitiesDepreciation cost method Other investment securitiesMarket value method (unrealized gains/losses are included instockholders’ equity)時価法(評価差額を全部純資産直入)償却原価法原価法売買目的有価証券満期保有目的有価証券その他有価証券子会社株式及び関連会社株式 Subsidiary and affiliate stocksCost method （Ref.）Securities in money held in trust Money held in trust for investing Other money held in trust運用目的の金銭の信託その他の金銭の信託Market value method (unrealized gains/losses are recorded inprofit and loss)Market value method (unrealized gains/losses are included instockholders’ equity)時価法(評価差額を損益処理)時価法(評価差額を全部純資産直入)B. Unrealized Gains or Losses of Investment Securities【Consolidated】As of SEP.30, 2021As of MAR.31, 2021Unrealized gains (losses)Unrealized gains (losses)(Japanese)(A)(A)-(B)GainsLosses(B)GainsLosses(Millions of Yen)Held-to-maturity 満期保有目的Other investment その他有価証券－0－164,10013,362143,743165,084対比評価益評価損評価益評価損　　評価損益　(0)150,73779,2595,10166,377150,73779,2595,10066,37716,9942,3507103,9356,9962,3507113,935　　評価損益　(1)76,9094,39162,44276,9094,38962,44278,0649,09377,92678,0649,09377,92680,7957,87375,43180,7957,87375,4311,5362,7729,0541,5362,7729,054164,10013,363143,741165,084Total Stocks Bonds Other Stocks Bonds Otherその他株式債券合計株式債券その他Note: 1.Since “Other investment” is valued using the market value method, the difference between the carrying amount in theInterim Consolidated Balance Sheets and the acquisition cost is recorded in the above table.Valuation of “Other investment” is based on the market value at the end of the interim period.2.【Non-consolidated】(Millions of Yen)As of SEP.30, 2021As of MAR.31, 2021Unrealized gains (losses)Unrealized gains (losses)(Japanese)(A)(A)-(B)GainsLosses(B)GainsLosses対比評価益評価損－－－－　－評価益評価損－－162,94313,362142,634163,975　　評価損益Held-to-maturity 満期保有目的Other investment その他有価証券Total Stocks Bonds Other Stocks Bonds Otherその他株式債券合計株式債券その他　　評価損益　149,58178,1025,10166,377149,58178,1025,10166,3776,9472,3027103,9356,9472,3027103,93579,6397,87375,43179,6397,87375,431162,94313,362142,634163,9751,5362,7729,0541,5362,7729,05475,8004,39162,44275,8004,39162,44276,9569,09377,92676,9569,09377,926Note: 1. Since “Other investment” is valued using the market value method, the difference between the carrying amount in theInterim Non-consolidated Balance Sheets and the acquisition cost is recorded in the above table.2.Valuation of “Other investment” is based on the market value at the end of the interim period.121,3411,1554,70215,48421,3431,1554,70315,48421,3411,1554,70215,48421,3411,1554,70215,484- 23 –