Kansai Mirai Financial : Consolidated Financial Results for the First Quarter of Fiscal Year 2020

July 31, 2020

Kansai Mirai Financial Group, Inc.

Consolidated Financial Results for the First Quarter of Fiscal Year 2020

(Three months ended June 30, 2020/ Unaudited)

Code number: 7321	Stock exchange listings: Tokyo
URL: https://www.kmfg.co.jp/english/index.html
Representative: Tetsuya Kan,
Representative: Representative Director and Executive President
Contact:	Yasutaka Yamasaki,	Telephone: [phone]
	General Manager, Financial Accounting Division
Annual securities report issuing date: August 7, 2020	Dividends payment date: －
Supplemental information for the financial results: Available	Trading accounts: Not Established
Quarterly investor meeting presentation: Not Scheduled

Note: Amounts of less than one million yen are rounded down.

1. Consolidated Financial Results for the First Quarter of Fiscal Year 2020 (April 1, 2020- June 30, 2020）

(1) Consolidated Operating Results			(% represents the change from the previous fiscal year)
	Ordinary Income		Ordinary Profits	Net Income Attributable to
		Owners of Parent
	Million yen	%		Million yen	%	Million yen	%
1Q of FY2020		( -3.2)			( -40.5)		( -6.8)
43,556	1,919	1,938
1Q of FY2019	45,013	( -6.8)	3,225	( -40.3)	2,078	( -96.5)
Note: Comprehensive Income: 1Q of FY2020: 8,858 million yen ( 698.3%) 1Q of FY2019: 1,109 million yen ( -98.2%)
	Net Income per Share of		Diluted Net Income per
	Common Stock		Share of Common Stock
	Yen			Yen
1Q of FY2020	5.20			5.19
1Q of FY2019	5.58			5.57

1. Consolidated Financial Conditions

				Net Assets Attributable to
	Total Assets	Net Assets		Stockholders to Total Assets
				Ratio
	Million yen	Million yen		%
June 30, 2020
11,845,162	460,458		3.9
March 31, 2020	11,225,125	455,350		4.0
(Reference) Net Assets Attributable to Stockholders: June 30, 2020: 457,533 million yen	March 31, 2020: 452,314 million yen

Note: "Net Assets Attributable to Stockholders to Total Assets Ratio" is (Net assets at period-end minus Stock option at period-end minus Noncontrolling interests at period-end) divided by Total assets at period-end. This ratio is not calculated based on the "Notification on Consolidated Capital Adequacy".

2. Dividends on Common Stock

			Dividends per Share
	1st	2nd	3rd	Fiscal	Total
	Quarter-end	Quarter-end	Quarter-end	Year-end
	Yen	Yen	Yen	Yen	Yen
FY2019	－	0.00	－	10.00	10.00
FY2020	－
FY2020(Forecast)		0.00	－	10.00	10.00

Note: Revision of forecasts for dividends from the latest announcement: No

3. Earnings Targets for Fiscal Year 2020 (April 1, 2020 - March 31, 2021)

			(% represents the change from the previous fiscal year)
	Net Income Attributable to		Net Income per Share of Common Stock
	Owners of Parent
FY2020 (Full year)	Million yen	%		Yen
6,000	( 52.8 )		16.11

Note: Revision of earnings targets from the latest announcement: No

4. Other

(1) Changes in significant subsidiaries during the period : No

New	: Not applicable

Excluded : Not applicable

1. Adoption of any particular accounting methods for quarterly consolidated financial statements: No
2. Changes in Accounting Policies, Changes in Accounting Estimates and Restatements
3. 1. Changes due to revision of accounting standards : No

B) Changes due to other reasons	:	No
C)	Changes in accounting estimates	:	No
D)	Restatements	:	No

1. Number of Shares of Common Stock Outstanding
2. 1. Total outstanding shares including treasury stock at the end of the period June 30, 2020 : 372,876,219 shares

March 31, 2020 : 372,876,219 shares

1. Treasury stock at the end of the period

June 30, 2020	:	389,844 shares
March 31, 2020	:	396,567 shares

1. Average outstanding shares during the period
   1Q of FY2020 : 372,486,332 shares
   1Q of FY2019 : 372,461,423 shares

Note: Status of the quarterly review process

This report is out of the scope of the external auditor's review procedure which is required by "Financial Instruments and Exchange Act."

Note: Disclaimer regarding Forward-looking Statements

This report contains forward-looking statements, which are based on the information currently available and certain assumptions the Company considers to be reasonable. Risks, uncertainties and other factors may cause actual results, performance, achievements or financial position to be materially different from any future results, performance, achievements or financial position expressed or implied by these forward-looking statements.

Kansai Mirai Financial Group does not revise the full year targets announced in May 2020, at this point in time.

Kansai Mirai Financial Group, Inc.

Financial Results for 1Q of FY2020

《Contents of Attachment》

• Consolidated Financial Statements
• 1. Consolidated Balance Sheets……………………………………………………………………………. 2
  2. Consolidated Statements of Income and Consolidated Statements of Comprehensive Income…. 3
  3. Notes……………………………………………………………………………………………………….... 5 Note on Going-Concern Assumption …………………………………………………………………... 5 Note for Significant Changes in the Amount of Stockholder's Equity……………………………….. 5

(Supplementary Explanatory Material)

Reference Materials for the First Quarter of FY2020

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Kansai Mirai Financial Group, Inc.

Financial Results for 1Q of FY2020

〇 Consolidated Financial Statements

(1) Consolidated Balance Sheets

				(Millions of yen)
		March 31, 2020		June 30, 2020
Assets
Cash and due from banks	¥	934,624	¥	1,312,107
Call loans and bills bought		5,026		6,496
Monetary claims bought		1,797		1,024
Trading account securities		14		5
Securities		866,840		909,488
Loans and bills discounted		9,085,813		9,287,153
Foreign exchange assets		20,317		17,680
Lease receivables and investments assets		36,766		35,480
Other assets		139,192		143,339
Tangible fixed assets		103,934		103,104
Intangible fixed assets		4,859		4,712
Net defined benefit asset		18,711		18,833
Deferred tax assets		33,543		30,939
Customers' liabilities for acceptances and guarantees		23,209		26,502
Reserve for possible loan losses		(49,528)		(51,707)
Total Assets	¥	11,225,125	¥	11,845,162
Liabilities and Net Assets
Liabilities
Deposits	¥	10,377,012	¥	10,882,150
Negotiable certificates of deposit		133,140		78,850
Call money and bills sold		2,548		3,597
Borrowed money		110,510		274,725
Foreign exchange liabilities		965		357
Other liabilities		97,034		96,799
Reserve for employees' bonuses		5,078		2,091
Net defined benefit liability		12,602		12,335
Other reserves		7,225		6,820
Deferred tax liabilities		447		473
Acceptances and guarantees		23,209		26,502
Total Liabilities		10,769,774		11,384,703
Net Assets
Capital stock		29,589		29,589
Capital surplus		309,351		309,402
Retained earnings		128,268		126,482
Treasury stock		(359)		(353)
Total stockholders' equity		466,851		465,121
Net unrealized gains on available-for-sale securities		(6,159)		511
Net deferred gains on hedges		(25)		(21)
Remeasurements of defined benefit plans		(8,350)		(8,077)
Total accumulated other comprehensive income		(14,536)		(7,587)
Stock acquisition rights		297		292
Noncontrolling interests		2,738		2,632
Total Net Assets		455,350		460,458
Total Liabilities and Net Assets	¥	11,225,125	¥	11,845,162

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Kansai Mirai Financial Group, Inc.

Financial Results for 1Q of FY2020

1. Consolidated Statements of Income and Consolidated Statements of Comprehensive Income [Consolidated Statements of Income]

				(Millions of yen)
	First Quarter of FY2019	First Quarter of FY2020
	From April 1, 2019	From April 1, 2020
		to June 30, 2019		to June 30, 2020
Ordinary income	¥	45,013	¥	43,556
Interest income		27,811		27,795
Interest on loans and bills discounted		25,885		24,981
Interest and dividends on securities		1,318		2,195
Fees and commissions		10,312		9,553
Other operating income		6,490		4,243
Other ordinary income		399		1,964
Ordinary expenses		41,788		41,636
Interest expenses		1,277		936
Interest on deposits		1,168		879
Fees and commissions		4,271		3,941
Other operating expenses		4,350		3,059
General and administrative expenses		28,917		28,239
Other ordinary expenses		2,971		5,460
Ordinary profits		3,225		1,919
Extraordinary gains		－		789
Gains on disposal of fixed assets		－		789
Extraordinary losses		120		94
Losses on disposal of fixed assets		67		94
Impairment losses on fixed assets		52		－
Income before income taxes		3,105		2,614
Income taxes - current		487		552
Income taxes - deferred		499		135
Total income taxes		986		688
Net income		2,118		1,926
Net income (loss) attributable to noncontrolling interests		39		(12)
Net income attributable to owners of parent
¥	2,078	¥	1,938

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Kansai Mirai Financial Group, Inc.

Financial Results for 1Q of FY2020

[Consolidated Statements of Comprehensive Income]

	(Millions of yen)
First Quarter of FY2019	First Quarter of FY2020
From April 1, 2019	From April 1, 2020
to June 30, 2019	to June 30, 2020

Net income

Other comprehensive income

Net unrealized gains (losses) on available-for-sale securities Net deferred gains (losses) on hedges Remeasurements of defined benefit plans

Total comprehensive income

Total comprehensive income attributable to:

Owners of parent

Noncontrolling interests

¥	2,118	¥	1,926
	(1,008)		6,932
	(1,319)		6,654
	(14)		4
	325		273
¥	1,109	¥	8,858
¥	1,056	¥	8,887
	53		(28)

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Kansai Mirai Financial Group, Inc.

Financial Results for 1Q of FY2020

(3) Notes

【Note on Going-Concern Assumption】

Not applicable

【Note for Significant Changes in the Amount of Stockholder's Equity】

Not applicable

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Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

Reference Material for the First Quarter of FY2020

	[Contents]
1.	Statements of income	Page 1-3
2.	Claims disclosure according to the Financial Reconstruction Act	Page 4
3.	Unrealized gains/(losses) on marketable securities	Page 5
4.	Balance of deposits and loans	Page 6
Domestic breakdown of individual, corporate and other deposits	Page 7
Balance of investment trust and other investment products for individual customers	Page 7

Note.1: Figures reported herein are not reviewed by the audit.

Note.2: Capital adequacy ratio will be announced soon after the calculation is completed.

Note: [Total of two banks] Sum of non-consolidated figures for Kansai Mirai Bank and Minato Bank.

Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

1. Statements of income

(1)Kansai Mirai Financial Group (Consolidated)					(Millions of yen)
				1Q	Change	1Q
				FY 2020	FY 2019
Ordinary income		1	43,556	(1,457)	45,013
Gross operating profit		2	33,655	(1,059)	34,714
	Interest income		3	26,859	325	26,533
	Fees and commissions		4	5,612	(428)	6,040
	Other operating income		5	1,184	(955)	2,139
Expenses(excluding non-recurring items)		6	(27,804)	498	(28,303)
	Personnel expenses		7	(14,960)	471	(15,431)
	Non-personnel expenses		8	(10,904)	59	(10,964)
	Taxes		9	(1,938)	(31)	(1,907)
Actual net operating profit	(2+6)	10	5,851	(560)	6,411
Provision to general reserve for possible loan losses		11	(943)	(805)	(137)
Other gains/(losses), net		12	(2,988)	60	(3,048)
	Net gains/(losses) on stocks		13	296	346	(50)
	Disposal of problem loans		14	(2,933)	(2,231)	(701)
	Reversal of credit expenses		15	786	667	119
	Ordinary profit		16	1,919	(1,305)	3,225
Extraordinary gains		17	789	789	-
Extraordinary losses		18	(94)	25	(120)
Income before income taxes		19	2,614	(491)	3,105
Income taxes - current		20	(552)	(65)	(487)
Income taxes - deferred		21	(135)	364	(499)
Net income		22	1,926	(192)	2,118
Net Income (loss) attributable to non-controlling interests		23	12	51	(39)
Net income attributable to owners of parent		24	1,938	(140)	2,078
Credit expense	(11+14+15)	25	(3,089)	(2,369)	(719)
	Provision to general reserve for possible loan losses		26	(943)	(805)	(137)
	Write-off of loans		27	(670)	(393)	(276)
	Provision to specific reserve for possible loan losses		28	(2,261)	(1,980)	(280)
	Other disposal of problem loans		29	(2)	142	(144)
	Gains on recoveries of written-off loans		30	786	667	119
○ ROE					(%)
				1Q		1Q
				Change
				FY 2020	FY 2019
ROE based on net income attributable to owners of parent			1.66	(0.11)	1.77
(Note)

ROE=	Net income attributable to owners of parent (1Q)×365/91
(Total stockholders' equity at beginning of period + Total stockholders' equity at end of period) / 2

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Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

(2)Total of two banks, Non-consolidated figures of each bank					(Millions of yen)
					Total of two banks
					[Non-consolidated]
					1Q			1Q
					FY 2020	Change		FY 2019
Gross operating profit		(2+5+6)	1	31,094	(1,438)		32,532
	Interest income			2	26,402	12		26,390
				3	23,892	(585)		24,478
				4	922	768		153
	Fees and commissions			5	3,724	(336)		4,060
	Other operating income			6	966	(1,114)		2,081
	Net gains/(losses) on bonds			7	443	(1,265)		1,709
	Expenses (excluding non-recurring items and amortization of goodwill)	8	(26,708)	671		(27,379)
	Personnel expenses			9	(13,510)	603		(14,114)
	Non-personnel expenses			10	(11,311)	93		(11,405)
	Taxes			11	(1,885)	(25)		(1,860)
	Actual net operating profit (excluding amortization of goodwill)	(1+8)	12	4,386	(766)		5,152
Core net operating profit		(12-7)	13	3,942	499		3,443
Core net operating profit		(13-4)	14	3,020	(268)		3,289
(excluding gains/(losses) on cancellation of investment trust)
Amortization of goodwill			15	(184)	-		(184)
Actual net operating profit (including amortization of goodwill)	(12+15)	16	4,202	(766)		4,968
Provision to general reserve for possible loan losses			17	(914)	(914)		-
Net operating profit		(16+17)	18	3,288	(1,680)		4,968
Other gains/(losses), net			19	(546)	2,156		(2,703)
	Net gains/(losses) on stocks			20	1,926	1,991		(64)
	Gains on sale			21	2,332	2,316		16
	Losses on sale			22	(405)	(368)		(36)
	Losses on devaluation			23	(0)	43		(44)
	Disposal of problem loans			24	(2,081)	(1,660)		(421)
	Reversal of credit expenses			25	786	515		270
	Other			26	(1,178)	1,309		(2,488)
	Ordinary profit		(18+19)	27	2,741	476		2,264
Extraordinary gains/(losses), net			28	893	1,007		(113)
	Net gains/(losses) on disposal of fixed assets			29	893	956		(62)
	Impairment losses on fixed assets			30	-	51		(51)
Net income before income taxes		(27+28)	31	3,635	1,484		2,151
Income taxes-current			32	(200)	(144)		(55)
Income taxes-deferred			33	(768)	(207)		(561)
Net income	(31+32+33)	34	2,666	1,131		1,534
Credit expense	(17+24+25)	35	(2,209)	(2,058)		(150)
	Provision to general reserve for possible loan losses			36	(914)	(864)		(50)
	Write-off of loans			37	(669)	(393)		(276)
	Provision to specific reserve for possible loan losses			38	(1,409)	(1,612)		202
	Other disposal of problem loans			39	(2)	142		(144)
	Gains on recoveries of written-off loans			40	786	668		117
○ Interest rate spreads (domestic operations)							(%)
					Total of two banks
					[Non-consolidated]
					1Q			1Q
					FY 2020	Change		FY 2019
Average interest rate of loans and bills discounted (A)				1.08	(0.05)		1.13
Average interest rate of deposits and negotiable CDs (B)				0.03	(0.00)		0.03
Loan-to-deposit spread (A) - (B)				1.05	(0.04)		1.10
(Reference) Excluding loans to the Japanese government and others
Average interest rate of loans and bills discounted (C)				1.09	(0.05)		1.14
Loan-to-deposit spread (C) - (B)				1.05	(0.04)		1.10

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Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

(Millions of yen)

					Kansai Mirai Bank	Minato Bank
					1Q		1Q	1Q		1Q
					FY 2020	Change	FY 2019	FY 2020	Change	FY 2019
Gross operating profit		(2+5+6)	1	21,635	(1,477)	23,113	9,458	39	9,419
	Interest income			2	18,970	(229)	19,199	7,432	241	7,190
				3	17,507	(445)	17,953	6,384	(140)	6,525
				4	624	493	130	297	274	23
	Fees and commissions			5	2,220	(77)	2,298	1,503	(258)	1,762
	Other operating income			6	444	(1,171)	1,615	522	56	466
	Net gains/(losses) on bonds			7	(33)	(1,366)	1,333	476	100	375
	Expenses (excluding non-recurring items and amortization of goodwill)	8	(18,570)	234	(18,804)	(8,137)	437	(8,574)
	Personnel expenses			9	(9,315)	516	(9,831)	(4,195)	86	(4,282)
	Non-personnel expenses			10	(7,921)	(301)	(7,620)	(3,389)	395	(3,785)
	Taxes			11	(1,333)	19	(1,353)	(551)	(44)	(507)
	Actual net operating profit (excluding amortization of goodwill)	(1+8)	12	3,064	(1,243)	4,308	1,321	477	844
Core net operating profit		(12-7)	13	3,097	122	2,975	844	376	468
Core net operating profit		(13-4)	14	2,473	(371)	2,844	547	102	445
(excluding gains/(losses) on cancellation of investment trust)
Amortization of goodwill			15	(184)	-	(184)	-	-	-
Actual net operating profit (including amortization of goodwill)		(12+15)	16	2,880	(1,243)	4,124	1,321	477	844
Provision to general reserve for possible loan losses			17	(905)	(905)	-	(9)	(9)	-
Net operating profit		(16+17)	18	1,975	(2,148)	4,124	1,312	468	844
Other gains/(losses), net			19	509	3,125	(2,616)	(1,056)	(968)	(87)
	Net gains/(losses) on stocks			20	1,396	1,400	(4)	530	590	(59)
	Gains on sale			21	1,397	1,397	-	935	919	16
	Losses on sale			22	-	4	(4)	(405)	(373)	(32)
	Losses on devaluation			23	(0)	(0)	(0)	-	44	(44)
	Disposal of problem loans			24	(1,045)	(756)	(289)	(1,035)	(904)	(131)
	Reversal of credit expenses			25	710	494	216	75	21	54
	Other			26	(551)	1,986	(2,537)	(627)	(677)	49
	Ordinary profit		(18+19)	27	2,485	977	1,508	256	(500)	756
Extraordinary gains/(losses), net			28	899	1,004	(105)	(5)	2	(8)
	Net gains/(losses) on disposal of fixed assets			29	899	953	(54)	(5)	2	(8)
	Impairment losses on fixed assets			30	-	51	(51)	-	-	-
Net income before income taxes		(27+28)	31	3,384	1,981	1,402	250	(497)	748
Income taxes-current			32	(188)	(146)	(41)	(11)	2	(14)
Income taxes-deferred			33	(765)	(424)	(340)	(3)	216	(220)
Net income	(31+32+33)	34	2,430	1,410	1,020	235	(278)	513
Credit expense	(17+24+25)	35	(1,240)	(1,167)	(73)	(968)	(891)	(77)
	Provision to general reserve for possible loan losses			36	(905)	(949)	44	(9)	85	(94)
	Write-off of loans			37	(668)	(392)	(275)	(0)	(0)	(0)
	Provision to specific reserve for possible loan losses			38	(444)	(506)	61	(965)	(1,106)	140
	Other disposal of problem loans			39	67	80	(13)	(69)	61	(130)
	Gains on recoveries of written-off loans			40	710	599	110	75	68	7
○ Interest rate spreads (domestic operations)									(%)
					Kansai Mirai Bank	Minato Bank
					1Q		1Q	1Q		1Q
					FY 2020	Change	FY 2019	FY 2020	Change	FY 2019
Average interest rate of loans and bills discounted (A)				1.13	(0.05)	1.18	0.98	(0.04)	1.02
Average interest rate of deposits and negotiable CDs (B)				0.03	(0.01)	0.04	0.02	(0.00)	0.02
Loan-to-deposit spread (A) - (B)				1.09	(0.04)	1.13	0.96	(0.04)	1.00
(Reference) Excluding loans to the Japanese government and others
Average interest rate of loans and bills discounted (C)				1.13	(0.05)	1.18	0.98	(0.05)	1.04
Loan-to-deposit spread (C) - (B)				1.09	(0.04)	1.13	0.96	(0.05)	1.02

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Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

2．Claims disclosure according to the Financial Reconstruction Act

						(Millions of yen, %)
	End of Jun.			End of Mar.	End of Jun.
(A)-(B)	(A)-(C)
2020 (A)	2020 (B)	2019 (C)
		Unrecoverable or valueless claims	31,275	(1,098)	(1,800)	32,373	33,075
		Risk claims	103,251	931	(2,148)	102,320	105,399
		Special attention loans	27,133	2,117	3,830	25,015	23,302
	Financial Reconstruction Act subtotal [A]	161,659	1,950	(118)	159,709	161,778
	Normal claims	9,308,749	209,324	223,920	9,099,425	9,084,829
Financial Reconstruction Act total [B]	9,470,409	211,274	223,801	9,259,134	9,246,608
Partial direct write-offs	74,388	325	(3,251)	74,063	77,640
NPL Ratio [A] / [B]	1.70	(0.01)	(0.04)	1.72	1.74
		Unrecoverable or valueless claims	15,393	(1,755)	(4,300)	17,148	19,693
		Risk claims	71,708	156	(2,293)	71,552	74,002
		Special attention loans	23,392	2,169	4,372	21,222	19,019
	Financial Reconstruction Act subtotal [A]	110,494	571	(2,221)	109,923	112,715
	Normal claims	6,488,306	104,491	104,746	6,383,815	6,383,560
Financial Reconstruction Act total [B]	6,598,801	105,062	102,525	6,493,739	6,496,276
Partial direct write-offs	69,439	81	(2,572)	69,358	72,012
NPL Ratio [A] / [B]	1.67	(0.01)	(0.06)	1.69	1.73
		Unrecoverable or valueless claims	15,881	656	2,499	15,224	13,381
		Risk claims	31,542	774	144	30,767	31,397
		Special attention loans	3,740	(52)	(541)	3,793	4,282
	Financial Reconstruction Act subtotal [A]	51,165	1,379	2,102	49,785	49,062
	Normal claims	2,820,443	104,833	119,173	2,715,609	2,701,269
Financial Reconstruction Act total [B]	2,871,608	106,212	121,276	2,765,395	2,750,331
Partial direct write-offs	4,949	243	(678)	4,705	5,628
NPL Ratio [A] / [B]	1.78	(0.01)	(0.00)	1.80	1.78

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Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

3. Unrealized gains/(losses) on marketable securities (Bonds held to maturity, stocks of subsidiaries and affiliates and available-for-sale securities)

								(Millions of yen)
			B/S Amount		Unrealized gains/(losses)
	Change from		Change from
(End of Jun.	End of	(End of Jun.	Gain	Loss	End of
Group Consolidated>	2020)	Mar. 2020	2020)	Mar. 2020
Bonds held to maturity	223,877	6,698	1,726	2,383	(656)	(969)
Available-for-sale securities	675,560	33,535	732	8,868	(8,135)	9,025
	Stocks	26,606	810	668	4,220	(3,552)	3,804
	Bonds	564,812	51,536	(870)	584	(1,454)	(403)
		JGB	44,312	8,517	(922)	-	(922)	(432)
	Other		84,141	(18,811)	933	4,063	(3,129)	5,625
Notes: 1.The figures presented in the table	above include	securities, negotiable	certificates of deposit (NCDs) included in "cash and due
		from banks" and a portion of "monetary claims bought."
	2.The presented figures only include marketable securities.
								(Millions of yen)
			B/S Amount		Unrealized gains/(losses)
			Change from		Change from
			(End of Jun.	End of	(End of Jun.	Gain	Loss	End of
	2020)	Mar. 2020	2020)	Mar. 2020
Bonds held to maturity	223,876	6,698	1,727	2,384	(656)	(969)
Stocks of subsidiaries and affiliates	-	-	-	-	-	-
Available-for-sale securities	673,082	33,771	10,655	15,774	(5,118)	7,696
	Stocks	26,540	806	11,675	12,176	(501)	2,169
	Bonds	564,812	51,536	(670)	786	(1,456)	(427)
	Other	81,729	(18,570)	(349)	2,810	(3,159)	5,953
Bonds held to maturity	173,586	(5,876)	1,983	2,381	(398)	(826)
Stocks of subsidiaries and affiliates	-	-	-	-	-	-
Available-for-sale securities	501,856	31,194	4,443	8,005	(3,561)	4,062
	Stocks	10,581	(1,255)	4,842	5,117	(275)	(171)
	Bonds	421,141	41,050	99	429	(329)	42
	Other	70,133	(8,599)	(498)	2,458	(2,957)	4,191
Bonds held to maturity	50,289	12,574	(256)	2	(258)	(143)
Stocks of subsidiaries and affiliates	-	-	-	-	-	-
Available-for-sale securities	171,225	2,577	6,212	7,768	(1,556)	3,633
	Stocks	15,958	2,062	6,833	7,059	(226)	2,341
	Bonds	143,671	10,485	(769)	357	(1,127)	(470)
	Other	11,596	(9,970)	149	351	(202)	1,762

Notes: 1.The figures presented in the table above include securities, negotiable certificates of deposit (NCDs) included in "cash and due from banks" and a portion of "monetary claims bought."

2.The presented figures only include marketable securities.

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Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

4. Balance of deposits and loans

						(Millions of yen)
	End of Jun.	(A)-(B)	(A)-(C)	End of Mar.	End of Jun.
	2020 (A)	2020 (B)	2019 (C)
Deposits (Term-end)	10,903,477	497,376	39,089		10,406,101	10,864,388
Deposits (Average balance)	10,554,553	(53,464)	(197,576)		10,608,018	10,752,130
Loans and bills discounted (Term-end)	9,346,927	206,646	232,773		9,140,281	9,114,154
Loans and bills discounted (Average balance)	9,194,472	129,536	126,041		9,064,935	9,068,430
Deposits (Term-end)	7,319,436	290,348	(170,077)		7,029,087	7,489,514
Deposits (Average balance)	7,101,976	(156,334)	(316,172)		7,258,310	7,418,149
Loans and bills discounted (Term-end)	6,529,866	102,828	109,232		6,427,037	6,420,633
Loans and bills discounted (Average balance)	6,454,663	79,128	54,506		6,375,535	6,400,157
Deposits (Term-end)	3,584,041	207,028	209,166		3,377,013	3,374,874
Deposits (Average balance)	3,452,577	102,869	118,595		3,349,707	3,333,981
Loans and bills discounted (Term-end)	2,817,061	103,817	123,541		2,713,243	2,693,520
Loans and bills discounted (Average balance)	2,739,808	50,407	71,534		2,689,400	2,668,273

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Kansai Mirai Financial Group, Inc.

Financial Information for 1Q of FY2020

Domestic breakdown of individual, corporate and other deposits		(Millions of yen)
		End of Jun.			End of Mar.	End of Jun.
	(A)-(B)	(A)-(C)
2020 (A)	2020 (B)	2019 (C)
Domestic individual deposits (Term-end)	8,118,625	216,344	111,527	7,902,280	8,007,097
	Liquid deposits	4,631,341	256,421	383,491	4,374,919	4,247,850
	Time deposits	3,462,690	(40,251)	(271,264)	3,502,942	3,733,955
Domestic corporate deposits (Term-end)	2,606,843	218,070	73,979	2,388,772	2,532,863
	Liquid deposits	1,831,719	211,539	176,645	1,620,180	1,655,074
	Time deposits	687,869	(7,937)	(137,549)	695,806	825,419
Domestic individual deposits (Term-end)	5,382,164	103,101	(15,394)	5,279,063	5,397,559
	Liquid deposits	2,758,104	144,681	224,075	2,613,423	2,534,028
	Time deposits	2,614,319	(41,864)	(239,698)	2,656,183	2,854,018
Domestic corporate deposits (Term-end)	1,806,232	117,175	(18,081)	1,689,057	1,824,314
	Liquid deposits	1,214,612	111,289	95,542	1,103,322	1,119,069
	Time deposits	528,637	(9,604)	(138,651)	538,242	667,288
Domestic individual deposits (Term-end)	2,736,460	113,243	126,922	2,623,216	2,609,537
	Liquid deposits	1,873,237	111,740	159,415	1,761,496	1,713,822
	Time deposits	848,371	1,612	(31,565)	846,758	879,937
Domestic corporate deposits (Term-end)	800,610	100,895	92,061	699,714	708,548
	Liquid deposits	617,107	100,249	81,103	516,858	536,004
	Time deposits	159,232	1,667	1,101	157,564	158,130

Notes：1.Figures are based on the reports submitted to Bank of Japan. (excluding overseas loans and loans in Japan offshore banking account)

2.Liquid deposits = current deposits + ordinary deposits + saving deposits + deposits at notice Time deposits = Time deposits + Installment savings

Balance of investment trust and other investment products for individual customers

						(Millions of yen)
	End of Jun.	(A)-(B)	(A)-(C)	End of Mar.	End of Jun.
2020 (A)	2020 (B)	2019 (C)
Investment trust (Including fund wrap)	646,084	56,137	(16,808)		589,946	662,892
Public bond	9,522	(369)	(1,756)		9,892	11,279
Insurance	846,458	8,616	29,016		837,842	817,441
Investment trust (Including fund wrap)	456,494	39,963	(8,471)		416,530	464,965
Public bond	3,981	35	(522)		3,945	4,503
Insurance	639,600	9,208	19,395		630,392	620,205
Investment trust (Including fund wrap)	189,590	16,173	(8,337)		173,416	197,927
Public bond	5,541	(405)	(1,234)		5,946	6,775
Insurance	206,857	(592)	9,620		207,449	197,236

Notes：1.Investment trust: based on market prices at each period-end

2.Public bond: Government bonds, local government bonds, and government-guaranteed bonds in custody accounts (amounts in par value and on a delivery date basis)

3.Insurance: based on insurance premiums paid (yen equivalent)

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