The Kiyo Bank Balance Sheet

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Equivalents	837,737	807,017	983,679	1,001,855	1,375,103
Investment Securities	795,229	832,041	882,430	717,828	982,230
Trading Asset Securities	-	-	-	28	46
Total Investments	795,229	832,041	882,430	717,856	982,276
Gross Loans	4,344,661	4,146,094	3,832,494	3,593,177	3,409,994
Allowance for Loan Losses	-19,471	-20,222	-26,231	-28,257	-28,841
Net Loans	4,325,190	4,125,872	3,806,263	3,564,920	3,381,153
Property, Plant & Equipment	35,906	36,016	34,362	33,820	34,131
Other Intangible Assets	3,736	4,155	4,522	4,176	3,650
Restricted Cash	8,497	8,497	8,872	9,229	9,783
Other Current Assets	12,345	13,010	10,304	9,794	10,319
Long-Term Deferred Tax Assets	11,203	8,302	4,394	5,280	518
Other Long-Term Assets	89,088	91,431	96,553	136,402	83,789
Total Assets	6,118,931	5,926,341	5,831,379	5,483,332	5,880,722
Interest Bearing Deposits	4,945,513	4,737,607	4,684,682	4,592,242	4,575,044
Total Deposits	4,945,513	4,737,607	4,684,682	4,592,242	4,575,044
Short-Term Borrowings	4,892	4,278	4,309	-	-
Other Current Liabilities	8,899	8,643	6,987	7,142	7,579
Long-Term Debt	843,440	882,762	856,003	594,414	997,049
Pension & Post-Retirement Benefits	24	23	26	27	29
Long-Term Deferred Tax Liabilities	237	260	217	251	2,812
Other Long-Term Liabilities	67,361	56,591	41,042	65,463	55,360
Total Liabilities	5,870,366	5,690,164	5,593,266	5,259,539	5,637,873
Common Stock	80,096	80,096	80,096	80,096	80,096
Additional Paid-In Capital	2,793	2,499	2,495	1,722	1,722
Retained Earnings	189,932	175,994	162,918	150,853	150,926
Treasury Stock	-4,742	-5,327	-2,630	-3,081	-1,615
Comprehensive Income & Other	-20,537	-18,070	-5,730	-7,571	10,008
Total Common Equity	247,542	235,192	237,149	222,019	241,137
Minority Interest	1,023	985	964	1,774	1,712
Shareholders' Equity	248,565	236,177	238,113	223,793	242,849
Total Liabilities & Equity	6,118,931	5,926,341	5,831,379	5,483,332	5,880,722
Total Debt	848,332	887,040	860,312	594,414	997,049
Net Cash (Debt)	-10,595	-80,023	123,367	407,469	378,100
Net Cash Growth	-	-	-69.72%	7.77%	17.13%
Net Cash Per Share	-164.95	-1236.91	1885.11	6207.25	5629.17
Filing Date Shares Outstanding	64.41	64.06	65.53	65.24	66.02
Total Common Shares Outstanding	64.41	64.06	65.53	65.24	66.02
Book Value Per Share	3843.00	3671.19	3618.88	3402.99	3652.75
Tangible Book Value	243,806	231,037	232,627	217,843	237,487
Tangible Book Value Per Share	3785.00	3606.33	3549.88	3338.98	3597.46

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