The Howa Bank Balance Sheet

Financials in millions JPY. Fiscal year is April - March.

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2013	FY 2012	FY 2011	FY 2010	FY 2009
Period Ending	Jun '13 Jun 30, 2013	Mar '13 Mar 31, 2013	Mar '12 Mar 31, 2012	Mar '11 Mar 31, 2011	Mar '10 Mar 31, 2010	Mar '09 Mar 31, 2009
Cash & Equivalents	52,304	44,511	38,757	38,461	35,829	30,038
Investment Securities	105,752	101,403	90,723	72,571	76,277	82,912
Trading Asset Securities	-	-	-	-	-	1
Total Investments	105,752	101,403	90,723	72,571	76,277	82,913
Gross Loans	380,541	387,819	378,343	374,556	352,320	345,606
Allowance for Loan Losses	-7,207	-8,541	-7,453	-7,520	-7,916	-9,127
Net Loans	373,334	379,278	370,890	367,036	344,404	336,479
Property, Plant & Equipment	8,398	8,393	8,349	8,247	8,320	8,470
Other Intangible Assets	133	142	150	171	161	160
Other Current Assets	1,777	2,004	2,256	2,299	2,034	2,441
Long-Term Deferred Tax Assets	1,638	1,372	1,603	1,579	1,610	1,617
Other Long-Term Assets	2,779	2,778	2,807	2,636	2,586	2,811
Total Assets	546,115	539,881	515,535	493,000	471,221	464,929
Accrued Expenses	60	114	148	114	110	103
Interest Bearing Deposits	506,648	501,263	480,785	461,712	442,018	439,283
Total Deposits	506,648	501,263	480,785	461,712	442,018	439,283
Current Portion of Long-Term Debt	-	-	-	-	111	-
Other Current Liabilities	1,046	1,049	1,037	1,189	11	13
Long-Term Debt	14,919	13,737	11,028	9,404	7,262	7,339
Pension & Post-Retirement Benefits	37	91	275	178	262	326
Long-Term Deferred Tax Liabilities	1,070	1,070	1,071	1,239	1,240	1,262
Other Long-Term Liabilities	2,888	2,730	2,672	2,297	3,814	4,106
Total Liabilities	526,668	520,054	497,016	476,133	454,828	452,432
Preferred Stock, Non-Redeemable	-	-	-	-	9,000	9,000
Total Preferred Equity	-	-	-	-	9,000	9,000
Common Stock	12,495	12,495	12,495	12,495	3,495	3,495
Additional Paid-In Capital	1,350	1,350	1,350	1,350	1,350	1,350
Retained Earnings	4,065	3,730	3,432	2,332	1,804	1,391
Treasury Stock	-80	-80	-75	-70	-69	-68
Comprehensive Income & Other	1,617	2,332	1,221	619	676	-2,798
Total Common Equity	19,447	19,827	18,423	16,726	7,256	3,370
Minority Interest	-	-	96	141	137	127
Shareholders' Equity	19,447	19,827	18,519	16,867	16,393	12,497
Total Liabilities & Equity	546,115	539,881	515,535	493,000	471,221	464,929
Total Debt	14,919	13,737	11,028	9,404	7,373	7,339
Net Cash (Debt)	37,385	30,774	27,729	29,057	30,802	30,883
Net Cash Growth	-29.48%	10.98%	-4.57%	-5.67%	-0.26%	-26.18%
Net Cash Per Share	1601.07	1305.32	1159.00	1260.70	5200.23	1451.70
Filing Date Shares Outstanding	5.91	5.91	5.92	5.92	5.92	5.92
Total Common Shares Outstanding	5.91	5.91	5.92	5.92	5.92	5.92
Book Value Per Share	3290.36	3354.51	3114.00	2824.83	1225.15	568.89
Tangible Book Value	19,314	19,685	18,273	16,555	7,095	3,210
Tangible Book Value Per Share	3267.85	3330.48	3088.64	2795.95	1197.97	541.88

Updated Aug 7, 2013. Source: S&P Global Market Intelligence. Banks template. Financial Sources.