~More & Steady~ Unceasing Progress” — our second medium-term management plan

In April 2009, we commenced our second medium-term management plan, which will cover the three-year period up to March 2012. Under this plan, we intend to fully leverage the marketing system that we have ever built up to diversify and multiply our points of contact with our customers, thereby increasing the number of customers with whom we conduct transactions. In this way, we aim to achieve steady growth while also improving the quality of our services and further enhancing the Bank’s earning power.
    While strengthening our corporate governance, we will be working steadily and unceasingly to achieve the sort of strong financial position that will enable us to repay the public funds we have received.





Achievements under 1st medium-term plan and targets for 2nd medium-term plan

Kiyo Bank (nonconsolidated)

  (¥ Biliion)     (¥ Biliion)    
Targets Business results for September 2006 1st medium-term plan
Plans for FY2008
  Business results for FY2008   2nd medium-term plan
Plans for FY2011
Scale Term-end balance of deposits
(including negotiable certificates of deposit)
2,924.1 ¥3,300
billion or over
3,214.0   ¥3,450
billion or over
Term-end balance of loans & bills discounted
2,012.7
¥2,200
billion or over
2,385.6 ¥2,600
billion or over
  (of which, loans only)
666.0 ¥780
billion or over
811.6 ¥930
billion or over
Term-end balance of investment trusts
155.5
¥260
billion or over
114.5 ¥165
billion or over
Profitability Business profit on core banking operations
9.1 ¥23
billion or over
22.4   ¥24
billion or over
ROA (business profit on core banking operations as a percentage of total assets)
0.52% 0.68%
or over
0.65% 0.66% or over
Efficiency
Overhead ratio (costs as a percentage of gross business profit)
69.60% Less than 60% 74.42% 60-64% range
Financial soundness NPL ratio
7.49% 4.0-4.9% range 3.96% 3.0-3.9% range

Kiyo Holdings (consolidated)

  (¥ Biliion)     (¥ Biliion)    
Targets Business results for September 2006 1st medium-term plan
Plans for FY2008
  Business results for FY2008   2nd medium-term plan
Plans for FY2011
Profitability Net income 4.6 ¥10 billion or over 1.4   ¥12 billion or over
Financial soundness Capital ratio
9.93% 11% or over 10.96% 11% or over
Tier I capital ratio
6.79% 8% or over 8.16% 8% or over

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