Chukyo Bank : ［Delayed］Summary of Consolidated Financial Results for the Year Ended March 31,2021

3. Forecast of consolidated financial results for the year ending March 31, 2022 (from April 1, 2021 to March 31, 2022)

Percentages indicate year-on-year changes

	Ordinary profit	Profit attributable to	Earnings per share
	owners of parent
Six months ending	Millions of yen	%	Millions of yen		%	Yen
100	(94.0)	(1,500)		-	(69.10)
September 30, 2021
Full year	0	(100.0)	(2,500)		-	(115.17)
4. Notes
(1) Changes in significant subsidiaries during the year ended March 31, 2021	No
(changes in specified subsidiaries resulting in the change in scope of consolidation):

(2) Changes in accounting policies, changes in accounting estimates, and restatement of prior period financial statements

Changes in accounting policies due to revisions to accounting standards and other regulations:	No
Changes in accounting policies due to other reasons:	No
Changes in accounting estimates:	No
Restatement of prior period financial statements:	No

(3) Number of issued shares (common shares)

Total number of issued shares at the end of the period (including treasury shares)

	As of March 31, 2021	21,745,958	shares	As of March 31, 2020	21,745,958	shares
Number of treasury shares at the end of the period
	As of March 31, 2021	30,473	shares	As of March 31, 2020	65,464	shares
Average number of shares during the period
	Year ended March 31, 2021	21,706,615	shares	Year ended March 31, 2020	21,700,058	shares

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Consolidated financial statements

Consolidated balance sheets

			(Millions of yen)
		As of March 31, 2020	As of March 31, 2021
Assets
Cash and due from banks	73,839	92,026
Securities	494,005	430,763
Loans and bills discounted	1,363,747	1,535,869
Foreign exchanges	10,589	15,931
Other assets	16,762	15,288
Tangible fixed assets	18,804	18,419
Buildings, net	3,511	3,682
Land	14,021	13,862
Leased assets, net	739	465
Construction in progress	67	5
Other tangible fixed assets	463	403
Intangible fixed assets	1,918	1,814
Software	1,475	1,367
Leased assets	385	337
Other intangible fixed assets	57	110
Retirement benefit asset	552	2,943
Deferred tax assets	688	387
Customers' liabilities for acceptances and guarantees	3,460	2,813
Allowance for loan losses	(8,038)	(9,255)
Total assets	1,976,330	2,107,003
Liabilities
Deposits	1,769,790	1,891,435
Negotiable certificates of deposit	5,310	5,310
Cash collateral received for securities lent	30,411	-
Borrowed money	37,000	56,300
Foreign exchanges	99	22
Bonds payable	5,000	5,000
Other liabilities	21,394	27,636
Provision for bonuses	623	622
Retirement benefit liability	203	149
Provision for reimbursement of deposits	389	149
Provision for contingent loss	509	492
Deferred tax liabilities	118	3,842
Deferred tax liabilities for land revaluation	2,547	2,537
Acceptances and guarantees	3,460	2,813
Total liabilities		1,876,857	1,996,311

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		(Millions of yen)
	As of March 31, 2020	As of March 31, 2021
Net assets
Share capital	31,844	31,844
Capital surplus	23,994	23,994
Retained earnings	33,817	35,211
Treasury shares	(169)	(78)
Total shareholders' equity	89,487	90,973
Valuation difference on available-for-sale securities	6,011	14,393
Deferred gains or losses on hedges	(725)	(650)
Revaluation reserve for land	5,357	5,407
Remeasurements of defined benefit plans	(953)	269
Total accumulated other comprehensive income	9,690	19,419
Share acquisition rights	295	299
Total net assets	99,472	110,691
Total liabilities and net assets	1,976,330	2,107,003

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Consolidated statements of income and consolidated statements of comprehensive income Consolidated statements of income

		(Millions of yen)
	Fiscal year ended	Fiscal year ended
	March 31, 2020	March 31, 2021
Ordinary income	30,924	31,446
Interest income	19,648	18,876
Interest on loans and discounts	12,455	13,344
Interest and dividends on securities	7,040	5,427
Interest on deposits with banks	42	65
Other interest income	110	39
Fees and commissions	5,007	5,399
Other ordinary income	2,892	3,598
Other income	3,376	3,571
Recoveries of written off receivables	1	0
Other	3,374	3,570
Ordinary expenses	27,435	27,814
Interest expenses	1,344	996
Interest on deposits	236	229
Interest on negotiable certificates of deposit	8	8
Interest expenses on cash collateral received for securities	0	1
lent
Interest on bonds	56	56
Other interest expenses	1,042	701
Fees and commissions payments	2,034	2,022
Other ordinary expenses	3,232	2,958
General and administrative expenses	17,870	17,690
Other expenses	2,953	4,145
Provision of allowance for loan losses	1,548	2,678
Other	1,405	1,466
Ordinary profit	3,489	3,632
Extraordinary income	4	307
Gain on disposal of non-current assets	4	62
Gain on liquidation of subsidiaries and associates	-	245
Extraordinary losses	65	206
Loss on disposal of non-current assets	19	20
Impairment losses	45	185
Profit before income taxes	3,429	3,733
Income taxes - current	853	1,529
Income taxes - deferred	259	(129)
Total income taxes	1,112	1,399
Profit	2,316	2,333
Profit attributable to owners of parent	2,316	2,333

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