| Financial Section   Financial Highlights Kiyo Holdings, Inc. Consolidated (Years ended March 31) 
|  | Millions of yen (Note 1) | Thousands of U.S. dollars (Note 2)
 |  
|  | 2009 | 2008 | 2009 |  
| For the year: |  |  |  |  
| Total income | ¥92,914 | ¥92,745 | $945,884 |  
| Total expenses | 96,765 | 79,725 | 985,094 |  
| Income (loss) before income taxes and minority interests
 | (3,851) | 13,019 | (39,210) |  
| Net income | 1,439 | 13,359 | 14,658 |  
|  |  |  |  |  
| At year end: |  |  |  |  
| Total assets | 3,437,616 | 3,513,031 | 34,995,585 |  
| Total net assets | 125,335 | 146,049 | 1,275,939 |  
|  |  |  |  |  
|  | Yen | U.S. dollars (Note 2)
 |  
| Net income per share: |  |  |  |  
| Basic | ¥0.97 | ¥17.19 | $0.010 |  
| Diluted | — | 15.02 | — |  
   
 The Kiyo Bank, Ltd. Consolidated  (Years Ended March 31) 
|  | Millions of yen (Note 1) | Thousands of U.S. dollars (Note 2) |  
|  | 2009 | 2008 | 2007 | 2006 | 2005 | 2009 |  
| For the year: |  |  |  |  |  |  |  
| Total income | ¥90,576 | ¥90,072 | ¥77,698 | ¥84,467 | ¥72,841 | $922,082 |  
| Total expenses | 92,770 | 81,013 | 65,151 | 72,527 | 64,245 | 944,420 |  
| Income (loss) before income taxes and minority interests
 | (2,194) | 9,058 | 12,546 | 11,940 | 8,595 | (22,338) |  
| Net income | 3,312 | 9,765 | 9,287 | 4,000 | 5,747 | 33,719 |  
|  |  |  |  |  |  |  |  
| At year end: |  |  |  |  |  |  |  
| Total assets | 3,424,255 | 3,497,703 | 3,321,200 | 2,851,561 | 2,797,496 | 34,859,568 |  
| Deposits | 3,205,555 | 3,234,400 | 3,088,586 | 2,583,260 | 2,582,076 | 32,633,164 |  
| Loans and bills discounted | 2,378,516 | 2,264,622 | 2,103,444 | 1,774,761 | 1,756,634 | 24,213,744 |  
| Securities | 801,491 | 923,906 | 821,836 | 773,526 | 725,084 | 8,159,336 |  
| Total net assets | 105,370 | 124,866 | 137,539 | — | — | 1,072,687 |  
| Total shareholders’ equity | — | — | — | 91,389 | 84,529 | — |  
|  |  |  |  |  |  |  |  
|  |  |  | Yen |  |  | U.S. dollars (Note 2)
 |  
| Net income per share: |  |  |  |  |  |  |  
| Basic | ¥3.72 | ¥13.45 | ¥14.35 | ¥8.28 | ¥12.53 | $0.038 |  
| Diluted | — | — | — | 7.00 | 10.12 | — |  
 
| Notes: | 1. | Japanese  yen amounts, except net income per share, are presented in millions of yen and  are rounded down to the nearest million.
 |  
|  | 2. | U.S. dollar amounts are shown  solely for convenience and are calculated at the conversion rate of ¥98.23 to  US$1.00, the exchange rate prevailing on March 31, 2009. |  |