The Kiyo Bank Balance Sheet

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Cash & Equivalents	861,702	807,017	983,679	1,001,855	1,375,103	1,216,774
Investment Securities	773,498	832,041	882,430	717,828	982,230	1,077,093
Trading Asset Securities	-	-	-	28	46	54
Total Investments	773,498	832,041	882,430	717,856	982,276	1,077,147
Gross Loans	4,323,626	4,146,094	3,832,494	3,593,177	3,409,994	3,271,208
Allowance for Loan Losses	-20,685	-20,222	-26,231	-28,257	-28,841	-26,607
Net Loans	4,302,941	4,125,872	3,806,263	3,564,920	3,381,153	3,244,601
Property, Plant & Equipment	35,893	36,016	34,362	33,820	34,131	34,277
Other Intangible Assets	3,789	4,155	4,522	4,176	3,650	2,966
Restricted Cash	8,701	8,497	8,872	9,229	9,783	-
Other Current Assets	13,892	13,010	10,304	9,794	10,319	11,159
Long-Term Deferred Tax Assets	9,088	8,302	4,394	5,280	518	580
Other Long-Term Assets	85,676	91,431	96,553	136,402	83,789	76,963
Total Assets	6,095,180	5,926,341	5,831,379	5,483,332	5,880,722	5,664,467
Interest Bearing Deposits	5,003,640	4,737,607	4,684,682	4,592,242	4,575,044	4,456,765
Total Deposits	5,003,640	4,737,607	4,684,682	4,592,242	4,575,044	4,456,765
Short-Term Borrowings	113,648	4,278	4,309	-	-	-
Other Current Liabilities	8,887	8,643	6,987	7,142	7,579	8,619
Long-Term Debt	671,997	882,762	856,003	594,414	997,049	894,028
Pension & Post-Retirement Benefits	24	23	26	27	29	29
Long-Term Deferred Tax Liabilities	266	260	217	251	2,812	7,801
Other Long-Term Liabilities	49,949	56,591	41,042	65,463	55,360	51,527
Total Liabilities	5,848,411	5,690,164	5,593,266	5,259,539	5,637,873	5,418,769
Common Stock	80,096	80,096	80,096	80,096	80,096	80,096
Additional Paid-In Capital	2,793	2,499	2,495	1,722	1,722	2,835
Retained Earnings	183,417	175,994	162,918	150,853	150,926	141,773
Treasury Stock	-4,740	-5,327	-2,630	-3,081	-1,615	-4,505
Comprehensive Income & Other	-15,784	-18,070	-5,730	-7,571	10,008	23,841
Total Common Equity	245,782	235,192	237,149	222,019	241,137	244,040
Minority Interest	987	985	964	1,774	1,712	1,658
Shareholders' Equity	246,769	236,177	238,113	223,793	242,849	245,698
Total Liabilities & Equity	6,095,180	5,926,341	5,831,379	5,483,332	5,880,722	5,664,467
Total Debt	785,645	887,040	860,312	594,414	997,049	894,028
Net Cash (Debt)	76,057	-80,023	123,367	407,469	378,100	322,800
Net Cash Growth	-	-	-69.72%	7.77%	17.13%	231.22%
Net Cash Per Share	1180.63	-1236.91	1885.11	6207.25	5629.17	4768.24
Filing Date Shares Outstanding	64.42	64.06	65.53	65.24	66.02	67.62
Total Common Shares Outstanding	64.42	64.06	65.53	65.24	66.02	67.62
Book Value Per Share	3815.26	3671.19	3618.88	3402.99	3652.75	3608.88
Tangible Book Value	241,993	231,037	232,627	217,843	237,487	241,074
Tangible Book Value Per Share	3756.44	3606.33	3549.88	3338.98	3597.46	3565.02

Source: S&P Global Market Intelligence. Banks template. Financial Sources.