Information Pack. The San-in Godo Bank, Ltd.

Information Pack The San-in Godo Bank, Ltd.

Reference Materials

Reference 1. Major Statistics for San-in Prefectures Shimane Prefecture Tottori Prefecture Japan Total population: 737,000 (46th in Japan) Percentage of elderly population: 27.5% (No. 1 in Japan) Number of business establishments: 41,185 places (45th in Japan) Gross Prefectural Product: 2,677.7 billion yen (45th in Japan) Shipment value of manufactured goods: 1,111.7 billion yen (44th in Japan) Ratio of public works expenditure to gross prefectural expenditure Public works expenditure: 11. 2% (No. 1 in Japan) Total population: 604,000 (47th in Japan) Percentage of elderly population: 24.7% (11th in Japan) Number of business establishments: 28,804 places (47th in Japan) Gross Prefectural Product: 2,251.8 billion yen (47th in Japan) Shipment value of manufactured goods: 1,034.6 billion yen (45th in Japan) Ratio of public works expenditure to gross prefectural expenditure Public works expenditure: 7.8% (12th in Japan) Total population: 127,770,000 Percentage of elderly population: 20.8% Number of business establishments: 5,869,000 places Gross Domestic Product: 540.4 trillion yen Shipment value of manufactured goods: 314.6 trillion yen Ratio of public works expenditure to gross domestic expenditure Public works expenditure: 4.5% * Source: FY 2006 Demographic Yearbook, FY 2006 Business Outlook Survey, FY 2004 Annual Report on Prefectural Accounts, FY 2005 Annual Reports on National Accounts, and FY 2006 Industrial and Commercial Statistics

Reference 2. Economic Environment in San-in Prefectures (Shimane and Tottori) San-in s share of GDP Shares of individual industrial sectors in gross prefectural product Place Prefecture Actual Amount (100 million yen) Share <San-yo & Hyogo> Driven by private and manufacturing sectors <San-in> Driven by public works and construction sector 1 Tokyo 885,660 16.80% 2 Osaka 405,644 7.69% Others 62.6 61.4 61.0 58.7 3 Aichi 371,619 7.05% 8 Hyogo 195,589 3.71% Manufacturing sector 14.8 12 Hiroshima 115,601 2.19% 20.4 23.7 23.7 22 Okayama 74,245 1.41% 8.3 Onepercent economic zone 45 Shimane 47 Tottori (32) San-in prefectures 25,274 0.48% 20,945 0.40% 46,219 0.88% Construction sector Agriculture and fisheries Government service producers 6.3 5.0 5.2 1.6 0.6 0.9 9.1 9.2 9.3 2.2 15.9 Total of all prefectures 5,273,052 100.00% Japan Hyogo San-yo San-in prefectures *Source: FY 2004 Annual Report on Prefectural Accounts, and FY 2005 Annual Reports on National Accounts

Reference 3. Shifts in Population and Family Income Population shifts and outlook for Tottori Prefecture (forecast values in and after 2010) Population shifts and outlook for Shimane Prefecture (forecast values in and after 2010) Elderly-population Actual figures ratio: 24.1% Forecasts Elderly-population 700 (thousands) ratio: 34.5% Total 604 Total 616 Total 616 Total 615 Total 613 Total 607 Total 596 Total 580 600 Total 561 74 85 Total 540 100 118 135 Total 518 146 500 154 Total 495 169 177 179 176 400 171 399 401 300 397 391 384 376 363 340 200 319 303 288 273 100 0 131 131 118 105 94 85 78 72 65 59 55 51 1980 1985 1990 1995 2000 2005 2010 2015 2020 2025 2030 2035 900 800 700 600 500 400 300 200 100 0 (thousands) Actual figures Elderly-population ratio: 27.1% Forecasts Elderly-population ratio: 37.3% Total 785 Total 795 Total 781 Total 771 Total 762 Total 742 Total 717 107 122 Total 688 142 Total 656 167 189 Total 622 201 Total 588 208 Total 554 224 229 225 217 207 510 510 494 478 460 439 418 383 354 331 311 291 167 163 144 126 112 101 91 81 73 66 61 56 1980 1985 1990 1995 2000 2005 2010 2015 2020 2025 2030 2035 14 years old and younger 15 to 64 years old 65 years old and older 14 years old and younger 15 to 64 years old 65 years old and older Source: National Census by Ministry of Internal Affairs and Communications; and Future Population Shift by Prefecture by National Institute of Population and Social Security Research (Estimates as of May 2007) Shifts in the number of families in San-in prefectures The numbers of families are increasing while the populations is decreasing. Shifts in family income in San-in prefectures 270 250 230 210 190 170 150 (Families in thousands) Tottori Prefecture Shimane Prefecture 227 218 159 169 173 233 236 180 Source: National Census by Ministry of Internal Affairs and Communications 189 246 201 258 261 1975 1980 1985 1990 1995 2000 2005 210 (10,000 yen) 400 380 360 340 320 300 383 367 390 390 379 379 383 371 372 365 364 358 349 346 Source: Personal income indices by JPS Co., Ltd. 327 330 Tottori Prefecture Shimane Prefecture 320 315 316 313 311 310 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006

Reference 4. Fertility Rates and Declining Birthrates 2.20 2.00 1.80 1.60 1.40 1.20 Total fertility rate shifts Tottori Prefecture Shimane Prefecture Japan 1.00 1986 1991 1996 2001 2006 Source: Vital Statistics by Ministry of Health, Labour and Welfare 1.53 1.51 1.32 3rd and 4th fertility rates in Japan Total fertility rate by prefecture (2006) 10 Highest Prefectures 10 Lowest Prefectures 1 Okinawa 1.74 38 Hyogo 1.28 2 Miyazaki 1.55 39 Miyagi 1.25 3 Shimane 1.53 40 Saitama 1.24 4 Tottori 1.51 40 Chiba 1.23 4 Kagoshima 1.51 42 Kanagawa 1.23 6 Fukui 1.50 43 Osaka 1.22 6 Saga 1.50 43 Nara 1.22 6 Kumamoto 1.50 45 Kyoto 1.19 9 Fukushima 1.49 46 Hokkaido 1.18 9 Nagasaki 1.49 47 Tokyo 1.02 National average 1.32 Source: Vital Statistics by Ministry of Health, Labour and Welfare Percentage of full-time employees among female workers aged 25 to 39 (2002) 10 Highest Prefectures 10 Lowest Prefectures 1 Toyama 64.4% 38 Saitama 52.8% 2 Kochi 63.7% 39 Hyogo 52.6% 3 Yamagata 63.6% 40 Chiba 52.4% 4 Fukui 61.9% 41 Hiroshima 52.3% 5 Shimane 61.3% 42 Shiga 52.0% 6 Fukushima 60.7% 43 Wakayama 51.8% 7 Tokushima 60.4% 44 Aichi 51.8% 8 Niigata 60.4% 45 Hokkaido 51.4% 9 Tottori 60.3% 46 Mie 51.3% 10 Aomori 59.9% 47 Osaka 50.9% National average 55.0% Source: Employment Status Survey by Ministry of Internal Affairs and Communications Percentage of workers who work 60 hours and longer per working week (Workers with 200 days and more worked in a year) (2002) 10 Highest Prefectures 10 Lowest Prefectures 1 Shimane 3.0% 38 Yamagata 5.1% 2 Tokushima 3.2% 39 Kanagawa 5.1% 3 Okayama 3.2% 40 Wakayama 5.3% 4 Kagawa 3.6% 41 Kumamoto 5.6% 5 Ibaragi 3.6% 42 Nagano 5.8% 6 Okinawa 3.7% 43 Saga 5.9% 7 Toyama 3.8% 44 Miyagi 6.3% 8 Tottori 3.8% 45 Kyoto 6.4% 9 Oita 3.8% 46 Hokkaido 6.8% 10 Niigata 3.8% 47 Tokyo 8.1% National average 5.1% Source: Employment Status Survey by Ministry of Internal Affairs and Communications Affluence does not necessarily lead to higher fertility rates 1.80 Percentages of three-generation families and total fertility rates (2006) Shifts in numbers of high school graduates and percentages of students pursuing higher education 20,000 (person) Outflow of younger generation to other prefectures 50.0 Total fertility rates (2006) 1.70 1.60 1.50 1.40 1.30 1.20 1.10 1.00 0.90 Kagoshima Tokyo Okinawa Shimane Tottori Yamagata 18,000 16,000 14,000 12,000 10,000 18,325 17,864 17,412 16,405 16,029 15,787 15,783 41.6 37.7 43.2 39.9 15,084 14,700 14,481 44.1 42.9 13,941 FY1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 45.0 40.0 35.0 30.0 25.0 20.0 0.80 0.0 5.0 10.0 15.0 20.0 25.0 30.0 Percentages of three-generation families (2005) (%) Number of graduates of San-in prefectures Percentage of students pursuing higher (left axis) education in Tottori (right axis) Percentage of students pursuing higher education in Shimane (right axis) Source: National Census by Bureau of Statistics, Ministry of Internal Affairs and Communications; and Vital Statistics by Statistics and Information Department, Secretariat of the Minister of Health, Labour and Welfare Source: Reports on Results of School Basic Survey by Statistics Department, Planning Division, Tottori Prefecture; and Statistical Survey Department, Shimane Prefecture

Reference 5. Business Trend (1) Business Sentiment Index (BSI) (BSI = Ratio of companies replying Economy is Good Ratio of those replying, Bad ; comparison with the preceding period) Manufacturing industries 10.0 5.0 0.0 5.0 10.0 15.0 20.0 25.0 30.0 19.5 23.7 1.6 Non-manufacturing industries 0.0 10.0 20.0 30.0 40.0 50.0 60.0 FY 2002 2nd half 2003 1st 54.7 43.7 FY 2002 2003 2nd half 1st 2003 2nd 2004 1st 6.8 2004 2nd 2005 1st 12.9 12.6 Business sentiment is worsening, while outlook is improving. Source: Business Trend Survey by San-in Economics & Management Institute Business Sentiment Index (BSI) by sector (BSI = Ratio of companies replied Economy is Good Ratio of those replying, Bad ; comparison with the preceding period) Performance of sectors targeting the global market is good. 2005 2nd 1.1 2006 1st 3.2 2006 2nd 6.7 2007 1st 6.5 (Forecast) 2008 2nd 10.3 7.3 18.5 23.8 25.8 23.6 30.3 31.8 31.2 2003 2nd 2004 1st 2004 2nd FY 2005 2nd half 2006 1st 2006 2nd 2007 1st 2005 1st 2007 2nd (Forecast) 2005 2nd Manufacturing industries 1.1 3.2 6.7 6.5 3.5 Pulp/paper 50.0 0.0 20.0 25.0 75.0 Steal/metal 31.5 5.3 22.2 22.8 22.8 Machineries 25.0 0.0 16.6 4.2 16.6 Transportation machineries 80.0 33.4 57.1 37.5 12.5 Electric machineries 32.2 13.8 8.4 0.0 7.3 Other manufacturing sectors 17.4 20.0 28.6 0.0 5.2 Textile 0.0 22.2 0.0 37.5 0.0 Lumber/wood products 25.0 13.3 16.6 0.0 0.0 Food 20.7 6.7 3.5 24.2 9.0 Ceramics/soil & stone 39.2 48.0 0.0 69.6 30.5 Source: Business Trend Survey by San-in Economics & Management Institute 2006 1st 2006 2nd 2007 1st 3.5 (Forecast) 2008 2nd Improvement in the employment climate upped consumption. FY 2005 2nd half 2006 1st 2006 2nd 2007 1st 2007 2nd (Forecast) Non-manufacturing industries (adjusted) 23.6 31.2 10.3 23.8 7.3 Restaurants/hotels 5.9 60.0 0.0 0.0 40.0 Building materials wholesale 15.0 35.0 11.1 5.5 11.1 Automobile retail 0.0 35.3 8.3 42.8 6.7 IT 33.4 20.0 28.6 16.6 0.0 Department stores/supermarkets 35.8 0.0 7.1 6.7 0.0 Transportation 20.0 43.8 6.3 44.5 0.0 Other wholesale 18.2 29.2 27.3 21.8 4.3 Other services 35.5 29.8 3.5 10.2 8.5 Food wholesale 61.9 35.3 41.2 50.0 19.0 Oil fuel retail 33.3 44.4 50.0 55.6 22.2 Other retail 30.0 25.0 8.0 22.7 22.8 Construction 27.2 40.4 21.7 39.4 25.7 Industrial Production Index (seasonally-adjusted, Year 2000 = 100) 120.0 100.0 80.0 60.0 103.3 95.7 8.0 4.0 0.0 4.0 8.0 102.7 94.6 100.0 89.0 77.7 87.4 75.0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 Jan. to Sep 4.2 5.0 3.1 5.1 1.7 2.0 8.4 12.0 2004 2005 2006 2007 Jan Feb Mar Apr May Jun Jul Aug Sep Source: Chugoku Bureau, Ministry of Economy, Trade and Industry Year-on-Year Changes in Home Appliance Sales 15.0 10.0 5.0 2.8 1.9 2.3 0.1 0.0 5.2 0.3 0.9 0.3 5.0 2.4 0.7 10.0 8.6 2002 2003 2004 2005 2006 2007 Jan to Sep Source: Chugoku Branch, Research Institute of Economy, Trade and Industry Year-on-Year Changes in Unit Sales of New Passenger Vehicles (San-in prefectures) 30.0 15.0 0.0 15.0 3.6 12.5 86.2 76.5 3.9 5.6 1.8 2.9 2.5 0.2 Shimane Prefecture 1.4 2.0 1.2 6.1 27.6 3.1 2.1 0.7 2.7 0.9 1.1 7.2 91.4 83.1 0.4 3.2 2.8 0.9 1.3 99.0 69.5 10.2 3.6 3.0 0.3 3.1 104.7 72.5 Registered vehicles 4.1 0.9 Light motor vehicles 7.5 4.0 107.9 Tottori Prefecture Shimane Prefecture Source: Statistics Department, Tottori Prefecture, and Statistical Survey Department, Shimane Prefecture Year-on-Year Changes in Sales of Large Retail Stores (Department stores and supermarkets) Tottori Prefecture Tottori Prefecture Shimane Prefecture 65.8 0.4 2.8 7.5 7.5 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 Jan to Oct Source: Tottori Car Dealers Association; and Shimane Branch, Chugoku District Transport Bureau

Reference 6. Business Trends (2) Job opening to applicant ratio (seasonally-adjusted) Labor market getting tighter 2.00 1.83 1.88 Tottori Prefecture 1.80 Shimane Prefecture 1.50 1.51 1.60 1.74 1.69 1.45 1.42 1.30 1.28 1.35 1.40 1.25 1.41 1.43 1.35 1.16 1.17 1.20 1.24 1.09 1.12 1.13 1.20 1.21 1.20 1.00 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 (Jan. to Sept.) Source: Employment Security Department, Tottori Labor Bureau; and Employment Security Department, Shimane Labor Bureau Public works contract amounts (San-in prefectures) 7,000 6,000 5,000 4,000 3,000 2,000 1,000 0 (100 million yen) 4,694 5,147 6,503 5,847 5,258 4,952 Source: West Japan Construction Surety Co., Ltd. 4,490 3,682 Severe conditions continue. 3,153 3,106 2,883 FY1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 Active job opening to applicant ratio (seasonally-adjusted) 1.30 1.15 1.22 Tottori Prefecture 1.10 1.13 1.16 Shimane Prefecture 0.91 0.91 0.92 0.83 0.80 0.79 0.89 0.90 0.77 0.90 0.83 0.68 0.70 0.76 0.61 0.77 0.79 0.72 0.70 0.74 0.65 0.60 0.50 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 (Jan. to Sept.) Source: Employment Security Department, Tottori Labor Bureau; and Employment Security Department, Shimane Labor Bureau Year-on-year change in capital investment (San-in prefectures) (%) FY 2004 FY 2005 FY 2006 FY 2007 plan All industries 37.2 13.0 1.8 41.3 Small-to-medium sized enterprises (SME) 22.0 12.4 10.1 34.8 Manufacturing industries 52.8 13.9 9.6 35.6 SME 19.9 3.0 1.4 49.1 Non-manufacturing industries 8.1 10.5 22.3 54.6 SME 25.9 25.6 27.7 11.9 Substantial increase is planned for FY 2007. Source: Business Trend Survey by San-in Economics & Management Institute 2,200 2,000 1,800 1,600 1,400 1,200 1,000 Number of Hotel Guests at Major Hot Spring Spas (San-in prefectures) (Thousands) 1,982 2,037 1,721 1,708 Source: Survey by San-in Economics & Management Institute (Total of Misasa, Kaike, Matsue Shinjiko, and Tamatsukuri) Number of Tourists (2006) 1,636 1,685 1,631 1,622 1,576 Expo 2005 Aichi (March 25 to September 25, 2005) 1,491 1,466 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 Tottori Prefecture Tourist sites/facilities Tottori dune/inaba hot spring village Actual number of visitors (thousands) Compared with 2005 (%) Shimane Prefecture Tourism industry is eyeing baby boomers and tourists from abroad and surroundings 2,261 5.7 Izumo Shrine 2,144 2.7 Tottori Nashinohana hot spring village and surroundings 273 30.0 Hinomisaki 1,217 19.8 Yonago/Kaike hot spring and surroundings 222 0.5 Shimane winery 1,002 4.7 Sakai Port and surroundings 1,626 5.9 Taikodani Inari Shrine 751 7.0 Daisen and surroundings 643 6.7 Iwami Seaside Park 665 0.0 Higashi Hoki and surroundings 1,370 0.9 Ichibata Yakushi 660 0.3 Uradome coast/iwai hot spring and surroundings 1,411 2.7 Tamatsukuri hot spring 624 1.7 Yazu 1,271 5.4 Mt. Sanbe 590 1.7 Okuhino and surroundings 119 Tourist sites/facilities Actual number of visitors (thousands) Compared with 2005 (%) 15.5 Road Station Kirara Taki 532 2.5 Grandtoit 493 167.7 Source: Dynamic Tourist Survey by Tourism Department, Culture & Tourism Bureau, Tottori Prefecture; and Results of Dynamic Tourist Survey in Shimane by Tourism Promotion Department, Shimane Prefecture Note: As Tottori prefectural government and Shimane prefectural government employ different aggregation methods, a simple comparison cannot be made.

Reference 7. Branch Network and Summary of Loan Portfolio by Prefecture As of Dec. 10, 2007 Number of branches Shimane 69 Tottori 59 San-in prefectures 128 Hiroshima 5 Okayama 6 Hyogo 6 San-yo Hyogo 17 Osaka 1 Tokyo 1 Grand total 147 (Head, branch, and sub-branch offices) 694.6 billion yen 598.6 billion yen 69 branches 59 branches Loans and discounts outstanding at end September 2007: 2,115.6 billion yen Tottori Prefecture Loans and discounts outstanding by prefecture Corporations Individuals Local authorities Financial institutions Shimane Prefecture Okayama Prefecture Hyogo Prefecture Hiroshima Prefecture 157.9 billion yen 5 branches 172.3 billion yen 6 branches 151 billion yen 6 branches * Loans and discounts: as of Sep. 30, 2007; branches: as of Dec. 10, 2007 Others Osaka:77 billion yen; Tokyo: 263.9 billion yen

Reference 8. Conditions of Loan Portfolio by Debtor Class (by region) 100 million yen 18,000 Bankrupt and quasi-bankrupt, and doubtful assets 6.8% 13,500 9,000 Substandard assets 18.1% 4.8% 19.7% San-in prefectures 4.7% 22.0% 5.1% 21.2% 6,000 5,000 4,000 3,000 3.3% 10.9% San-yo & Hyogo 2.2% 10.1% 2.3% 13.6% 2.5% 12.9% 4,500 Normal assets 75.1% 75.5% 73.3% 73.7% 2,000 1,000 85.8% 87.7% 84.1% 84.6% 0 4,000 3,000 2,000 March 31, 2005 March 31, 2006 March 31, 2007 September 30, 2007 1.6% 10.2% Tokyo & Osaka 1.1% 4.4% 0.9% 4.3% 0.8% 2.6% 0 25,000 20,000 15,000 March 31, 2005 March 31, 2006 March 31, 2007 September 30, 2007 5.5% Total 3.8% 3.6% 3.8% 15.6% 15.7% 17.7% 16.4% 1,000 88.2% 94.5% 94.8% 96.6% 10,000 5,000 78.9% 80.5% 78.7% 79.8% 0 March 31, 2005 March 31, 2006 March 31, 2007 September 30, 2007 0 March 31, 2005 March 31, 2006 March 31, 2007 September 30, 2007

Reference 9. Loan Concentrations in Specified Industries 100 million yen Shifts in Loans to Specified Industries Bank and Insurance Construction Real estate Wholesale and retail 100 million yen Top 100 Large-scale Assets Bankrupt and quasibankrupt, and doubtful assets Risk-managed assets Ratio within total loans 8,000 6,000 4.6% 4.5% 4.9% 4.5% 4.1% 4.1% 5.0% 3.9% 6,000 5,000 Substandard assets Normal assets 3.4% 1.0% 5.8% 1.2% 0.9% 8.1% 0.4% 0.9% 13.8% 0.7% 1.8% 7.9% 4,000 10.6% 10.9% 10.6% 9.7% 4,000 89.8% 89.9% 84.9% 89.6% 2,000 12.8% 12.8% 12.6% 12.2% 0 March 31 2005 March 31 2006 March 31 2007 September 30 2007 3,000 March 31 2005 March 31 2006 March 31 2007 September 30 2007 *Percentages indicate ratio within total loans

Reference 10. Debtor Classification Shift Unit: 100 million yen Accounting Period ended September 2007 (Total credit base) Normal Substandard Doubtful Riskmanaged Quasibankrupt Bankrupt Bulk/Direct depreciation Collection Normal 16,847 16,133 405 1 18 6 0 282 Fiscal Year ended March 31 2007 Substandard 3,610 Riskmanaged 226 Doubtful 560 Quasibankrupt 196 Bankrupt 39 253 3,091 120 46 15 35 12 190 21 1 0 16 0 457 65 12 1 0 0 1 158 19 2 0 32 2 48 0 5 13 4 Total 21,480 16,387 3,525 312 544 248 101 7 353

Reference 11. Securities Portfolio Securities Outstanding by Current Maturity (September 30, 2007) Unit: million yen Government bonds Local government bonds 1 year and shorter Over 1 year to 3 years Over 3 years to 5 years Over 5 years to 7 years Over 7 years to 10 years Over 10 years Maturity not-defined 28,047 50,460 66,796 320,429 398,479 39,081 903,294 17,325 42,602 49,931 34,579 47,899 192,338 Total Corporate bonds 6,839 9,118 18,390 2,297 8,408 15,211 60,265 Stock 89,415 89,415 Other securities 4,046 12,386 16,051 13,260 14,699 66,292 15,888 142,625 Total 56,259 114,568 151,169 370,566 469,486 120,585 105,304 1,387,939 Portfolio Performance Trend FY e nde d March 31, 2005 FY e nde d March 31, 2006 FY e nde d March 31, 2007 Interim Period ended September 30, 2007 Yields on Securities 1.95% 1.89% 1.98% 1.95% Investment Deposit Ratio (on an average-balance basis) 37.59% 37.88% 40.06% 43.32% Duration of Yen-Denominated Bonds 5.40 year 5.75 year 5.72 year 5.66 year Gain(loss) on Securities 21.6 billion yen 25.3 billion yen 24.6 billion yen 21.9 billion yen

Reference 12. Integrated Risk Management 100 million yen Capital Allocation for Second Half of FY 2007 Capital is strategically utilized based on actual risk amounts and profit plan. Definition of risk amounts (Confidence interval, holding period) 2,000 Nonconsolidated Tier I 2,230 Unallocated capital 658 Securities risk Bond Pure investment stock Development investment stock Credit risk Deposit-loan interest rate risk Operational risk 99% 3 months 99% 3 months 99% 6 months 99% 1 year 99% 3 months Basic indicator approach 1,500 99 195 1,000 Allocated risk capital 1,572 236 (Reference) 100 138 111 Operational risk Deposit-loan interest rate risk Credit risk* 500 1,042 622 Securities risk 0 Allocation resource Allocated risk capital Breakdown of allocation (As of September 30, 2007) * Credit risk amount as of June 30, 2007

Reference 13. Quantitative Targets for the Last Fiscal Year of the Medium-term Management Plan [Income level and financial ratios] Item Results of FY ended Plan for FY ending March 31, 2006 March 31, 2009 Results of FY ended March 31, 2007 Results of Interim Period ended September 30, 2007 Income from core business 25.9 billion yen 27.5 billion yen 24 billion yen 11.4 billion yen Net income 9.4 billion yen 11.5 billion yen 11.3 billion yen 5.9 billion yen OHR (on a core-gross-business-income basis) 60.64% Less than 60% 62.57% 63.56% ROE (Net Income/Average of end-of-year net assets and beginning-of-year net assets) 3.98% 4.5% and higher 4.61% 4.74% Ratio of fees and commission (Net fees and commission/core gross business income) 13.82% 17.0% and higher 15.10% 14.72% Ratio of non-performing loans (disclosed loans under rehabilitation law) 4.52% Less than 3% 4.35% 4.54% Consolidated net income 9.8 billion yen 12 billion yen 12 billion yen 6 billion yen [Deposit/loan balance] Average balance of loans and discounts 2095.8 billion yen 2200 billion yen 2083.5 billion yen 2038.7 billion yen Loans to corporations 1220.5 billion yen 1270 billion yen 1185.3 billion yen 1127.7 billion yen Loans to individuals 478 billion yen 520 billion yen 500.8 billion yen 503.9 billion yen Average deposit balances 3073.5 billion yen 3200 billion yen 3095.1 billion yen 3202.8 billion yen Loans to individuals 1848.7 billion yen 2010 billion yen 1877.8 billion yen 1915.6 billion yen [Balance of assets under management] Investment trusts 68.6 billion yen 200 billion yen 104.5 billion yen 121.3 billion yen Individual annuity insurance 44.5 billion yen 130 billion yen 62.4 billion yen 65.5 billion yen

Reference 14. Income on Capital Scenarios and Basic Assumptions Interest rate scenario I: Interest rate scenario II: No interest-rate raise Interest-rate raise of 0.25%, Once (May 2008) Interest rate scenario III: Interest-rate raise of 0.25%, Twice (Feb. 2008 and Aug. 2008) Scenario I Yield spread shift (yen-denominated assets only) FY ended March 31, 2006 Deposit-loan yield spread 2.02 FY ended March 31, 2007 FY ending March 31, 2008 FY ending March 31, 2009 1.94 1.91 1.96 Deposit-securities yield spread 1.56 1.51 1.37 1.37 (Average balances) Yen-denominated deposits: 1% year-on-year increase Loans: marginal level Securities: natural (Only underwriting considered) (Catch-up rate) Catch-up rate of short-term prime rate 80% Rate sensitivity of demand deposit 40% Rate sensitivity of time deposit 75% Scenario II Scenario III Deposit-loan yield spread 2.02 1.94 1.91 1.98 Deposit-securities yield spread 1.56 1.51 1.37 1.32 Deposit-loan yield spread 2.02 1.94 1.91 2.00 Deposit-securities yield spread 1.56 1.51 1.36 1.27 Short-term prime rate hike, renewal of mortgage interest rates and others Yields on loans go up. Leveling-off yields on securities Reduced yield spread Agile management can increase yields. Scenario I 100 million yen 100 million yen 900 700 Income on capital (Results) (Plan) (Simulation) 582 573 569 578 900 700 (Results) 582 Scenario II 569 (Simulation) 576 100 million yen 900 700 (Results) 582 Scenario III 568 (Simulation) 574 500 300 433 464 Loan interest rates 451 467 500 300 433 451 481 500 300 433 452 498 100 248 277 Yields on securities 270 271 100 248 270 272 100 248 270 273-100 -114-189 -176-169 -100-114 -176-184 -100-114 -178-203 -300 Deposit interest rates FY ended March FY ending March 31, 2007 31, 2008 FY ending March 31, 2008 FY ending March 31, 2009-300 FY ended March 31, 2007 FY ending March 31, 2008 FY ending March 31, 2009-300 FY ended March 31, 2007 FY ending March 31, 2008 FY ending March 31, 2009

Reference 15. Overview of Business Results of Group Companies for the First Half of FY 2007 Name of company Accounting term Sales Interim income Net asset Remarks Matsue Real Estate Co., Ltd. Gogin Business Services Co., Ltd. Gogin Staff Services Co., Ltd. Gogin Agency Co., Ltd. San-in Office Services Co., Ltd. San-in Servicing Co., Ltd. San-in General Lease Co., Ltd. Gogin Guaranty Co., Ltd. Gogin Credit Co., Ltd. San-in Economics and Management Institute Co., Ltd. Gogin System Services Co., Ltd. Gogin Capital Co., Ltd. San-in Card Business Co., Ltd. Interim Period ended September 30, 2007 217 13 722 Interim Period ended September 30, 2006 214 14 689 Difference 3 1 33 Interim Period ended September 30, 2007 459 1 236 Interim Period ended September 30, 2006 430 6 222 Difference 29 7 14 Interim Period ended September 30, 2007 522 2 116 Interim Period ended September 30, 2006 604 5 113 Difference 82 3 3 Interim Period ended September 30, 2007 256 7 102 Interim Period ended September 30, 2006 252 6 87 Difference 4 1 15 Interim Period ended September 30, 2007 346 5 48 Interim Period ended September 30, 2006 342 3 49 Difference 4 8 1 Interim Period ended September 30, 2007 464 178 1,617 Interim Period ended September 30, 2006 576 265 1,285 Difference 112 87 332 Interim Period ended September 30, 2007 9,065 457 6,567 Interim Period ended September 30, 2006 9,040 283 6,301 Difference 25 174 266 Interim Period ended September 30, 2007 389 84 3,350 Interim Period ended September 30, 2006 430 320 2,935 Difference 41 404 415 Interim Period ended September 30, 2007 924 25 1,565 Interim Period ended September 30, 2006 842 31 1,575 Difference 82 6 10 Interim Period ended September 30, 2007 103 20 117 Interim Period ended September 30, 2006 95 28 107 Difference 8 8 10 Interim Period ended September 30, 2007 197 0 207 Interim Period ended September 30, 2006 240 21 200 Difference 43 21 7 Interim Period ended September 30, 2007 150 13 774 Interim Period ended September 30, 2006 69 2 816 Difference 81 15 42 Interim Period ended September 30, 2007 18 2 11 Interim Period ended September 30, 2006 19 1 9 Difference 1 1 2 *All of the abovementioned companies are consolidated subsidiaries. Management of buildings such as shops and corporate housing outsourced to the company (Unit: millions of yen) Due diligence on cash, collection of cash, and ATM maintenance and management outsourced to the company Staffing agency to dispatch temporary workers mainly to San-yo Gogin Bank and its group companies Launched in February 2004 as management company of 26 deposit-agency outlets Outsourced mainly back office operations of branch offices to this company. Though the value of debts recovered increased, the number of recovered receivables high in profitability declined, thus net income decreased compared with the preceding fiscal year. Earnings climate is severe due to competition with other companies, however, continuation of existing lease contracts and expansion of targets to sell properties increased income. Guarantee fees decreased due to the decline in the balance of mortgage loan guarantee. Launched a cash card integrated a credit function in October 2006. Membership stands at 108 thousand as of September 2007. Think tank. Main clients include local authorities and San-in Gogin Bank. Outsourced system operation and EB-related operations to this company. No IPO cases lead to decrease in income. Outsourced management services of resort facilities to this company.

Data Sheet

Data Sheet 1 [Profit and loss] (millions of yen) FY 2003 FY 2004 FY 2005 FY 2006 FY 2007 Interim Interim Interim Interim(a) Interim(b) (b)-(a) Gross business income Excl. Net gain related to bond transactions Domestic gross business income Net interest income Net fees and commissions Other income International gross business income Net interest income Net fees and commissions Other income Expenses Net business profit before transfer to general reserve for possible loan losses Excl. Net gain related to bond transactions Transfer to general reserve for possible loan losses Net business profit Net gain related to bond transactions Unusual profit and loss Net gain related to stock transactions Bad debt expenses Loans written-off Transfer to specific reserve for possible loan losses Loss on sale of delinquent loans Ordinary profit Extraordinary profit Income before income taxes Income taxes, current Income taxes, deferred Net income OHR ROE (A full year basis) Ratio of fees and commissions to core gross business income *OHR = Expenses/Core gross business income, ROE = Net income/average capital

Data Sheet 2 FY 2003 FY 2004 FY 2005 FY 2006 FY 2007 Interim Interim Interim Interim(a) Interim(b) (b)-(a) ROA ROE Net interest margin (Domestic operation) Yield on interest-earning assets Loans Securities Total funding cost Deposits Other liabilities (millions of yen) Sep. 2003 Mar. 2004 Sep. 2004 Mar. 2005 Sep. 2005 Mar. 2006 Sep. 2006 Mar. 2007 Sep. 2007 Semi-annual change Cash and due from banks Call loans Bills purchased Debt purchased Trading securities Money held in trust Securities Loans and bills discounted Foreign exchange Other assets * Premises and equipment * Tangible fixed assets * Intangible assets * Deferred tax assets Customers' liabilities for acceptances and guarantees Reserve for possible loan losses Reserve for devaluation of securities Total Assets *Starting from Sep. 2006, "Premises and equipment" was classified as "Tangible assets," "Intangible assets" or "Other assets.

Data sheet 3 (millions of yen) Disclosed assets based on financial reconstruction law Sep. 2003 Mar. 2004 Sep. 2004 Mar. 2005 Sep. 2005 Mar. 2006 Sep. 2006 Mar. 2007 Sep. 2007 Semi-annual change Total Disclosed assets Bankrupt and quasi-bankrupt assets Percentage against total amount Doubtful assets Percentage against total amount Substandard loans Percentage against total amount Subtotal (A) Percentage against total amount Normal assets Percentage against total amount Preservation (B) + Collateral and guarantees Bankrupt and quasi-bankrupt assets Doubtful assets Substandard loans Reserve for possible loan losses Bankrupt and quasi-bankrupt assets Doubtful assets Substandard loans Coverage ratio (B)/(A) Bankrupt and quasi-bankrupt assets Doubtful assets Substandard loans Ratio of reserve /(A- ) Bankrupt and quasi-bankrupt assets Doubtful assets Substandard loans

Data sheet 4 (millions of yen, %) March 2004 March 2005 March 2006 March 2007 September 2007 Semi-annual change Balance Percentage Balance Percentage Balance Percentage Balance Percentage Balance Percentage Balance Percentage Total loans (Excl. JOM account) Manufacturing Agriculture Forestry Fishery Mining Construction Electric power, gas, heat supply, and water supply Telecommunication Transportation Wholesale and retail Finance and insurance Real estate Services Local government Others Foreign and special government bond transaction account Total

Data sheet 5 (millions of yen) Semiannual Sep. 2003 Mar. 2004 Sep. 2004 Mar. 2005 Sep. 2005 Mar. 2006 Sep. 2006 Mar. 2007 Sep. 2007 change Loans to individuals Housing loans Other loans Loans to small and medium-sized companies (Percentage against total amount) Risk managed loans (Percentage against total amount) Loans to borrowers under bankruptcy proceedings (Percentage against total amount) Non-accrual past due loans (Percentage against total amount) Loans past due for three months or more (Percentage against total amount) Loans with altered lending conditions (Percentage against total amount) Reserve for possible loan losses General reserve Specific reserve Reserve for specific foreign borrowers Reserve ratio ( + / ) (Note) Since the fiscal year ended March 31, 2007, on the self-assessment of assets, loans and discounts to the debtor class of bankrupt have been included in bankrupt loan assets, regardless of actual recording of such assets in deferred income, and loans to quasi-bankrupt and doubtful debtors have been included in nonperforming loans, regardless of actual recording of such assets in deferred income.

Data Sheet 6 (millions of yen) FY 2003 FY 2004 FY 2005 FY 2006 FY 2007 Interim Interim Interim Interim(a) Interim(b) (b)-(a) Net gain related to bond transactions Gains on sales Gains on redemption Losses on sales Losses on redemption Losses on devaluation Net gain related to stock transactions Gains on sales Losses on sales Losses on devaluation Sep. 2003 Mar. 2004 Sep. 2004 Mar. 2005 Sep. 2005 Mar. 2006 Sep. 2006 Mar. 2007 Sep. 2007 Semi-annual change Holding gains and losses of securities Held to maturity Other securities (A) Stocks Bonds Others Deferred tax liabilities on (A) (B) Net holding gain on other securities (A)-(B)

Data Sheet 7 [Liabilities and net assets] (millions of yen) Sep. 2003 Mar. 2004 Sep. 2004 Mar. 2005 Sep. 2005 Mar. 2006 Sep. 2006 Mar. 2007 Sep. 2007 Semi-annual change Deposits Negotiable certificate of diposits Call money Cash collateral received under securities lending Bills sold Borrowed money Subordinated borrowings Foreign exchange Other liabilities Reserve for employees' bonuses Reserve for bonuses to directors and corporate auditors Reserve for employees' retirement benefits Reserve for retirement benefits for directors and corporate auditors Reserve for loss on repayment of dormant deposits Deferred tax liabilities for land revaluation excess Acceptances and guarantees Total liabilities Common stock Capital surplus Retained earnings Treasury stock Net unrealized gain on other securities Net deferred gain on hedging instruments * Land revaluation excess Total net assets ex-total shareholders' equity) * Total liabilities and net assets * Due to the adoption of new accounting standard, "total shareholders' equity" has stated as "total net assets" since Sep. 2006.

Data Sheet 8 (millions of yen) Sep. 2003 Mar. 2004 Sep. 2004 Mar. 2005 Sep. 2005 Mar. 2006 Sep. 2006 Mar. 2007 Sep. 2007 Semi-annual change Non-consolidated capital adequacy ratio (domestic standard) Capital Tier I Tier II Deductions Risk-weighted assets Consolidated capital adequacy ratio (domestic standard) Capital Tier I Tier II Deductions Risk-weighted assets Nikkei stock index (yen) Exchange rate ($ = Yen) Sep. 2003 Mar. 2004 Sep. 2004 Mar. 2005 Sep. 2005 Mar. 2006 Sep. 2006 Mar. 2007 Sep. 2007 Semi-annual change Number of branches Number of employees (yen) Dividend per share Net income per share Net assets per share PBR PER (a full year basis) Stock Price