割引手形の増減額（△は減少）

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1. 商業手形の増減額（△は増加）

   Translation: Decrease (increase) in commercial notes...

2. 貸出金の純増（△）減

   Translation: Net decrease (increase) in loans and bills discounted...

3. Increase (decrease) in notes discounted

   Translation: 割引手形の増減額（△は減少）...

4. 自己株式の純増減額（△は増加）

   Translation: Net decrease (increase) in treasury shares...

5. 退職給付引当金の増減額（△は減少）

   Translation: Increase (decrease) in provision for retirement benefits...

6. 未払人件費の増減額（△は減少）

   Translation: Increase (decrease) in accounts payable – personnel expenses...

7. 保証工事引当金の増減額（△は減少）

   Translation: Increase (decrease) in provision for construction warranties...

8. コマーシャル・ペーパーの増減額（△は減少）

   Translation: Increase (decrease) in commercial papers...

9. 譲渡性預金の純増減（△）

   Translation: Net increase (decrease) in negotiable certificates of deposit...

10. 事業債権の増減額（△は増加）

    Translation: Decrease (increase) in operating receivables...