Summary：Financial Results for the First Quarter of Fiscal 2016 (Japanese GAAP)

August 4,2016

Hokuhoku Financial Group, Inc.

Company Name:
Stock Code Number (Japan):
Stock Exchanges (Japan):
URL:
Address:
Representative:

8377
Tokyo Stock Exchange (First Section), Sapporo Securities Exchange
http://www.hokuhoku-fg.co.jp/
1-2-26 Tsutsumicho-dori, Toyama-city, Toyama Pref., 930-8637, Japan
Name:
Eishin Ihori
Title:
President & CEO
Amounts less than one million yen and one decimal place are rounded down.

1. Financial Highlights for the First Quarter of Fiscal 2016 (for the three months ended June 30, 2016)(1) Consolidated Results of Operations(%: Changes from corresponding period of previous fiscal year)

Ordinary Income¥

million45,883
51,272

1Q F2016
1Q F2015
Note:

Ordinary Profits%(10.5)
12.4

Net Income Attributable to Owners of the Parent¥ million
10,36917,362%(40.3)
79.8¥ million
6,920
11,452%(39.6)
78.5

Comprehensive income: 1Q F2016: ¥1,070 million [(93.7)]% ; 1Q F2015: ¥16,946 million [31.8]%
Net Income

Diluted Net Income

per Share of Common Stockper Share of Common Stock

¥
5.16
8.54

1Q F2016
1Q F2015

¥
5.15
8.53

(2) Consolidated Financial Conditions
Total Assets

Total Net Assets¥ million
11,780,466
11,630,328

1Q F2016
Fiscal 2015

Own Capital Ratio¥ million
560,820566,251%
4.7
4.9

Reference: Own Capital: as of June 30, 2016: ¥559,168 million; as of March 31, 2016: ¥564,553 million
Note:
Own Capital Ratio was calculated as follows: (Total Net Assets－Stock Acquisition Rights－Non-controlling Interests)/ Total Assets×100

2. Cash Dividends for Shareholders of Common Stock
Cash Dividends for Share
(Record Date)

The end of 1stQtr¥－－

Fiscal 2015
Fiscal 2016
Fiscal 2016
(forecast)
Note:

The end of 2ndQtr

The end of 3rdQtr

AnnualFiscal year-end

¥
0.00

¥
－

¥
4.25

¥
4.25

0.00

－

4.25

4.25

Revision of estimates for cash dividends for shareholders of common stock during this quarter: No
Hokuhoku Financial Group, Inc. is planning to implement a common stock consolidation at a ratio of ten stocks to one stock, as weannounced on May 11, 2016. The above dividend forecast for Fiscal 2016 is calculated without taking this stock consolidation into account.
The dividend forecast for Fiscal 2016 would be calculated as ¥42.50 per share in consideration of this stock consolidation.

3. Earnings Estimates for Fiscal 2016 (for the fiscal year ending March 31, 2017)(%: Changes from corresponding period of previous fiscal year)
Ordinary Income¥
2Q Fiscal 2016
(Accumulated period)

Fiscal 2016
Note:

Ordinary Profits

million%90,000180,000¥

Net Income

Net Income

Attributable to Owners of the Parent

per Share of Common Stockmillion%¥ million

%

¥

(9.2)

19,000(27.4)

12,000(28.0)

8.35

(6.5)

35,000(24.6)

23,000(20.2)

15.95

Revision of the earnings estimates during this quarter: Yes
Hokuhoku Financial Group, Inc. is planning to implement a common stock consolidation at a ratio of ten stocks to one stock, as weannounced on May 11, 2016. The above net income per share of common stock for 2Q Fiscal 2016 and Fiscal 2106 are calculated without
taking this stock consolidation into account. The net income per share of common stock for 2Q Fiscal 2016 and Fiscal 2106 would be
calculated as ¥83.52 and ¥159.59 in consideration of this stock consolidation.

4. Others(1) Changes in Significant Subsidiaries during the First Quarter: No(Note) Changes in specified subsidiaries accompanying changes in scope of consolidation during the first Quarter(2) Adoption of Specified Accounting Methods for the Preparation of Quarterly Consolidated Financial Statements: Yes(3) Changes in Accounting Policies and Accounting Estimates / Restatements(a) Changes in accounting policies due to revisions of accounting standards, etc.: No(b) Changes in accounting policies other than (a) above: No(c) Changes in accounting estimates: No(d) Restatements: No(4) Issued Shares（Common Stock）(a) Number of Common Stock outstanding at
the end of fiscal year and the First Quarter(including Treasury Stock)(b) Number of Treasury Stock at the end of
fiscal year and the First Quarter(c) Average outstanding shares for the threemonths ended

As of June 30,
2016
As of June 30,
2016
As of June 30,
2016

1,351,630,146
11,295,385
1,340,034,751

As of March 31,
2016
As of March 31,
2016
As of June 30,
2015

1,351,630,146
11,607,137
1,399,744,681

Notes for using forecasts information etc.
1. This quarterly earnings report is out of the scope of the external auditors’ review procedure which is required by“Financial Instruments and Exchange Act”. Therefore, the audit process of quarterly consolidated financial statement has
not been completed as of the disclosure of this quarterly earnings report.
2. The above estimates are based on information that is available at this moment and assumptions of factors that have an
influence on future results of operations. Actual results may differ materially from these estimates, depending on future
events.
(Reference)
Cash Dividends for Shareholders of Preferred Stock (Type 5)
Cash Dividends for Share
(Record Date)

Fiscal 2015
Fiscal 2016
Fiscal 2016
(forecast)

The end of 1stQtr¥－－

The end of 2ndQtr

The end of 3rdQtr

Fiscal year-end

Annual

¥
7.50

¥
－

¥
7.50

¥
15.00

7.50

－

7.50

15.00

5.Quarterly Consoidated Financial Statements(1) Consolidated Balance Sheet
Millions of yen

As of March 31, 2016
AssetsCash and due from banks

As of June 30, 2016

資産の部
1,235,499

1,344,562

ｺｰﾙﾛｰﾝ及び買入手形

65,016

67,200

買入金銭債権62,03459,802

Trading assets

特定取引資産

4,631

4,710

Money held in trust

金銭の信託

8,344

8,839

Securities

有価証券

2,406,589

2,431,267

Loans and bills discounted

貸出金

7,582,954

7,578,588

Foreign exchanges

外国為替14,771

21,089Other assets

その他資産

108,066

120,855

Call loans and bills bought
Monetary claims bought

現金預け金

Tangible fixed assets

有形固定資産101,080

100,438

Intangible fixed assets

無形固定資産23,97422,961

Deferred tax assets

繰延税金資産

7,244

7,047

Customers' liabilities for acceptances and guarantees

支払承諾見返65,044

67,078

Allowance for loan losses

貸倒引当金

Total assets

資産の部合計Liabilities
Deposits
Negotiable certificates of deposit(54,925)(53,974)

11,630,328

11,780,466

10,231,408

10,356,465
238,459

負債の部
預金
譲渡性預金

244,008

Call money and bills sold

ｺｰﾙﾏﾈｰ及び売渡手形

20,84525,145

Payables under securities lending transactions

債券貸借取引受入担保金

92,954112,113

Trading liabilities

特定取引負債

Borrowed money

借用金

Foreign exchanges

外国為替

226

78

Bonds payable

社債

33,00033,000

Other liabilities

その他負債

126,529

134,088

Liability for retirement benefits

退職給付に係る負債

20,45919,078Provision for director's retirement benefits

役員退職慰労引当金

230

209

Reserve for contingent losses

偶発損失引当金

1,957

1,867

Reserve for reimbursement of deposits

睡眠預金払戻損失引当金

1,419

1,419

Deferred tax liabilities

繰延税金負債

11,883

10,464

Deferred tax liabilities for land revaluation

再評価に係る繰延税金負債

5,724

5,724

Acceptances and guarantees

支払承諾65,044

67,078

Total liabilities

負債の部合計

11,064,076

11,219,645

Net assets
Capital stock

1,129

1,163

207,252

213,289

純資産の部
資本金70,89570,895

Capital surplus

資本剰余金148,211148,231264,378

Retained earnings

利益剰余金263,959

Treasury stock

自己株式(1,489)(1,450)Shareholders' equity

株主資本合計481,576

482,054

Valuation difference on available-for-sale securities

その他有価証券評価差額金

83,83477,656

Deferred gains or losses on hedges

繰延ヘッジ損益(1,596)(1,854)

Revaluation reserve for land

土地再評価差額金

9,079

9,079

Defined retirement benefit plans

退職給付に係る調整累計額(8,340)(7,767)

Accumulated other comprehensive income

その他の包括利益累計額合計

82,976

77,113

Stock acquisition rights
Non-controlling interests

新株予約権
非支配株主持分

Total net assets

純資産の部合計Total liabilities and net assets

負債及び純資産の部合計

319

260

1,378

1,391

566,251

560,820

11,630,328

11,780,466

(2) Consolidated Statement of Income and Consolidated Statement of Comprehensive Incomeeeeeeeeee
For the three months ended June 30, 2016
【Consolidated Statement of Income 】
Millions of yen

Ordinary income
Interest income

For the three months ended
June 30, 2015

For the three months ended
June 30, 2016

経常収益

51,27245,883

資金運用収益32,761

30,622(Interest on loans and discounts)(うち貸出金利息)

24,57623,330(Interest and dividends on securities)(うち有価証券利息配当金)

7,573

6,685
9,303

Fees and commissions

役務取引等収益

9,805

Trading income

特定取引収益73

37

Other ordinary income

その他業務収益

3,677

3,188

Other income
Ordinary expenses

その他経常収益

4,953

2,732

経常費用

33,90935,5141,318

資金調達費用

1,711(Interest on deposits)(うち預金利息)

888

490

Fees and commissions payments

役務取引等費用

3,521

3,429

Other ordinary expenses

その他業務費用

2,330

2,458

General and administrative expenses

営業経費

25,082

24,714

Interest expenses

Other expenses
Ordinary profits

その他経常費用

1,264

3,594

経常利益

17,362

10,369Extraordinary income

特別利益

2

31

Extraordinary loss

特別損失

156

44

Loss on disposal of fixed assets
Income before income taxes and minority interests

固定資産処分損156

44

税金等調整前四半期純利益

17,20810,356

5,263

3,943

Income taxes-current

法人税、住民税及び事業税

Income taxes-deferred

法人税等調整額

449

(530)

Total income taxes

法人税等合計

5,712

3,413

11,496

6,943

Net income

四半期純利益Net income attributable to non-controlling interests

非支配株主に帰属する四半期純利益

4322

Net income attributable to owners of the parent

親会社株主に帰属する四半期純利益

11,452

6,920

For the three months ended
June 30, 2015

For the three months ended
June 30, 2016

【Consolidated Statement of Comprehensive Income 】
Millions of yen

四半期純利益11,4966,943

その他の包括利益

5,449(5,872)

Valuation difference on available-for-sale securities

その他有価証券評価差額金

5,017(6,172)

Deferred gains or losses on hedges

繰延ヘッジ損益

(96)

(257)

Defined retirement benefit plans

退職給付に係る調整額

514

573

Investor's share in other comprehensive income of associates that are
accounted for using the equity method

持分法適用会社に対する持分相当額

14

(15)

16,946

1,070

Net income
Other comprehensive income

Total comprehensive income

四半期包括利益

Breakdown（内訳）

Comprehensive income attributable to owners of the parent
Comprehensive income attributable to non-controllinginterest

親会社株主に係る四半期包括利益

16,8951,057

非支配株主に係る四半期包括利益50

13Financial Highlights For the First Quarter of Fiscal 2016
１．Income Analysis
FG 【Consolidated】(Millions of yen)

Ordinary income
Ordinary profits
Net income attributable toowners of the parent

1st Qtr ofChanges from1st Qtr of

Forecasts

FY 2016

1st Qtr of

FY 2015

Fiscal Year 2015
results

Full year / Interim
180,000 / 90,000(3 months)

FY 2015(3 months)(reference)

35,000 / 19,000

45,883
10,369(5,388)(6,993)

51,272
17,362

192,584
46,42523,000 / 12,000

6,920(4,532)

11,452

28,837【Total of two banks】(Millions of yen)
1st Qtr ofChanges from1st Qtr of

Fiscal Year 2015

Forecasts

FY 2016

1st Qtr of

FY 2015

results

Full year / Interim(3 months)

FY 2015(3 months)(reference)

Ordinary income
164,500 / 83,000Core gross business profits
136,000 / 69,500
Net interest income
Net fees and commisions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

92,000 / 46,000

General and administrative expenses

Personnel
Non-personnel
Core net business profits
44,000 / 23,500
Net gains (losses) related to bonds
Net business profits(before reversal（provision) of generalallowance for loan losses)
Total credit costs
6,000 / 3,000
Net gains (losses) related to stocks
Ordinary profits
35,500 / 19,500
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
24,000 / 13,500≪Core net business profits≫

42,71734,50329,936
4,423
14
129
119
4
22,283
10,925
9,783
12,22096(5,391)(2,607)(1,720)
(445)
(32)
(408)
(151)
(264)
(377)
(87)
(448)
(2,229)(193)

48,10937,11031,656
4,868
47
538
270
269
22,66011,012
10,232
14,450289

178,917
143,009
120,973
20,000
166
1,869
1,045
808
90,92343,866
41,37052,085824

12,316(2,422)

14,73952,909(997)(1,303)
10,810(12)
10,798
3,167
(506)
7,631

7
(4,387)(6,949)104(6,844)(2,293)(963)(4,550)(1,004)
3,083
17,760(117)
17,6435,460
457
12,182

3,702(567)
46,765(461)
46,303
16,3586,559
29,945≪Net income≫(Millions of yen)

(Millions of yen)

60,00048,253

51,20752,085[Forecasts]

30,00027,52728,25329,945【24,000】【44,000】

40,000

Forecasts
of Interim【23,500】

20,00020,00010,00011,66011,96014,45012,220FY2013

FY2014FY2015FY20160[Forecasts]

1Q/Interim
52.0%

12,182
6,324

7,277

FY2013

FY2014

Forecasts
of Interim【13,500】

7,631 1Q/Interim
56.5%

0FY2015FY2016

【Non-Consolidated】 Hokuriku Bank・Core net business profits were JPY5,999 million, JPY680 million decrease compared to the corresponding
period of the previous fiscal year mainly due to a decrease in net interest income,and net fees andcommissions.
・Ordinary profits decreased by JPY1,710 million to JPY6,273 million, due to an increase in total credit
costs,and a decrease in net gains related to stocks.
・Accordingly,net income decreased by JPY1,138 million to JPY4,286 million.
(Millions of yen)
1st Qtr ofChanges from1st Qtr of

Forecasts

FY 2016

1st Qtr of

FY 2015

results

Full year / Interim
88,000 / 44,500(3 months)

FY 2015(3 months)(reference)

Ordinary income
Core gross business profits
72,000 / 37,000
Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

49,000 / 24,500

General and administrative expenses

Personnel
Non-personnel
Core net business profits
23,000 / 12,500
Net gains (losses) related to bonds
Net business profits(before reversal（provision) of generalallowance for loan losses)
Total credit costs
3,000 / 1,500
Net gains (losses) related to stocks
Ordinary profits
20,000 / 11,000
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
13,500 / 7,500

22,136
17,934
15,384
2,292
14
242
241
1
11,934
6,286
4,805
5,999
90

(1,914)
(927)
(370)
(417)
(32)
(107)
(12)
(94)
(246)
(23)
(293)
(680)
(158)

24,05018,862
15,754
2,709
47
350
254
96
12,181
6,309
5,099
6,680
249

93,38775,342
63,474
10,625
166
1,075
907
167
48,65024,926
20,79026,692
425

6,090

(839)

6,930

27,118

(456)
136
6,273
(11)
6,261
1,975
(967)
4,286

615
(425)
(1,710)33(1,677)(539)(833)(1,138)(1,071)
561
7,984
(44)
7,939
2,515
(133)
5,424

(1,109)(22)
26,761(857)
25,9039,400
4,799
16,503≪Core net business profits≫≪Net income≫(Millions of yen)

30,000Fiscal Year 2015

(Millions of yen)

26,46326,061

26,692[Forecasts]

20,00017,833【23,000】

16,503
14,68020,000
Forecasts
of Interim【12,500】

10,000
6,738

5,556

6,680

5,999

FY2013

FY2014FY2015FY20160

Forecasts
of Interim【7,500】10,000

1Q/Interim
47.9%[Forecasts]【13,500】

3,255

3,353

FY2013

FY2014

5,424

4,286

0
FY2015FY2016

1Q/Interim
57.1%

【Non-consolidated】 Hokkaido Bank・Core net business profits were JPY6,220 million, JPY1,548 million decrease compared to thecorresponding period of the previous fiscal year mainly due to a decrease in net interest income.
・Ordinary profits decreased by JPY5,238 million to JPY4,537 million, due to a decrease in net gains related
to stocks.
・Accordingly,net income decreased by JPY3,412 million to JPY3,345 million.

(Millions of yen)
1st Qtr ofChanges from1st Qtr of

Forecasts

FY 2016

1st Qtr of

FY 2015

results

Full year / Interim
76,500 / 38,500(3 months)

FY 2015(3 months)(reference)

Ordinary income
Core gross business profits
64,000 / 32,500
Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives
General and administrative expenses

43,000/ 21,500

Personnel
Non-personnel
Core net business profits
21,000 / 11,000
Net gains (losses) related to bonds
Net business profits(before reversal（provision) of generalallowance for loan losses)
Total credit costs
3,000 / 1,500
Net gains (losses) related to stocks
Ordinary profits
15,500 / 8,500
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
10,500 / 6,000
Net income

Fiscal Year 2015

20,581
16,56914,551
2,130
－
(112)
(122)
3
10,348
4,639
4,977
6,220
5

(3,476)(1,679)(1,350)
(28)
－
(300)
(138)
(169)
(130)
(63)
(154)
(1,548)(34)

24,05818,24815,901
2,158
－
187
16
173
10,479
4,703
5,132
7,769
39

85,53067,66657,498
9,374
－
793
137
641
42,27318,93920,58025,393398

6,226(1,582)

7,809

25,791(540)(1,439)
4,537
(0)
4,536
1,191
460
3,345

(607)
(3,961)(5,238)71(5,167)(1,754)(130)(3,412)

67
2,522
9,776
(72)
9,704
2,945
591
6,758

4,811
(545)
20,003396
20,4006,958
1,760
13,442≪Core net business profits≫≪Net income≫(Millions of yen)

(Millions of yen)

30,00025,14525,393

21,78915,000

Forecasts
of Interim【11,000】

10,000【10,500】

9,693

Forecasts
of Interim【6,000】

6,758

5,000

10,000
4,922

6,404

FY2013

FY2014

7,769

6,220

0
FY2015

13,442[Forecasts]【21,000】

20,00013,573[Forecasts]

FY2016

1Q/Interim
56.5%

3,069

3,924

3,345 1Q/Interim
55.7%

0FY2013

FY2014FY2015FY2016

2. Loans and Deposits(1) Loans(Millions of yen)

As ofJune 30,2016

As ofJune 30, 2015

As ofMar. 31, 2016(reference)

Total of two banks
Loans to small and medium-sizedenterprises(“SMEs”) and individuals
Housing and consumer loans
Hokuriku bank
Loans to small and medium-sizedenterprises(“SMEs”) and individuals
Housing and consumer loans
Hokkaido bank
Loans to small and medium-sizedenterprises(“SMEs”) and individuals
Housing and consumer loans(A)
7,597,730(C)=(A)-(B)79,415(C)/(B)
1.05%(B)
7,518,314

7,599,627

4,789,881

72,5181.53%

4,717,363

4,845,031

2,159,977
4,381,605

6,322
47,708

0.29%
1.10%

2,153,655
4,333,897

2,156,068
4,383,442

2,865,154

39,8351.41%

2,825,319

2,918,145

1,165,178
3,216,124(10,020)
31,707(0.85%)
0.99%

1,175,199
3,184,416

1,167,641
3,216,184

1,924,727

32,683

1.72%

1,892,044

1,926,886

994,799

16,343

1.67%

978,455

988,427(2) Deposits and Investment products(Millions of yen)

As ofJune 30,2016

As ofJune 30, 2015

As ofMar. 31, 2016(reference)(A)(C)=(A)-(B)(C)/(B)(B)

Total of two banks
Deposits*
Individual deposits*
Total individual assets
Individual deposits* (deposits in yen)
Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Hokuriku bank 【Non-consolidated】
Deposits*
Individual deposits*
Total individual assets
Individual deposits* (deposits in yen)
Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Hokkaido bank 【Non-consolidated】
Deposits*
Individual deposits*
Total individual assets
Individual deposits* (deposits in yen)
Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts*including NCD

10,617,924
7,244,717
7,806,701
7,221,121(42,099)(3,157)(75,134)(4,626)(0.39%)(0.04%)(0.95%)(0.06%)

10,660,023
7,247,875
7,881,836
7,225,747

10,502,600
7,149,685
7,747,746
7,125,931

585,579(70,508)(10.74%)

656,088621,814

23,596
224,850
337,133

1,468(28,689)(43,288)

6.63%(11.31%)(11.37%)

22,127
253,539
380,42123,753
235,219362,841

6,159,118
4,012,174
4,304,015
3,999,048

37,672
6,347(29,754)
4,807

0.61%
0.15%
(0.68%)
0.12%

6,121,446
4,005,827
4,333,770
3,994,241

6,117,671
3,964,350
4,274,780
3,951,915

304,966(34,561)(10.17%)

339,528

322,865

13,125
114,521
177,318

1,540(8,343)(27,758)

13.29%(6.79%)(13.53%)

11,585
122,865
205,077

12,435
117,499
192,930

4,458,805
3,232,543
3,502,685
3,222,072(79,771)(9,504)(45,380)(9,433)(1.75%)(0.29%)(1.27%)(0.29%)

4,538,576
3,242,047
3,548,066
3,231,505

4,384,929
3,185,334
3,472,965
3,174,016

280,613(35,946)(11.35%)316,560

298,949

10,470110,328
159,814(71)(20,345)(15,529)(0.67%)(15.56%)(8.85%)

10,542
130,674
175,344

11,318
117,720
169,910

3. Non-Performing Loan (“NPL”) based on the Financial Reconstruction Law (the“FRL”)(Millions of yen)

Totalof two banks

Hokuriku bank【Non-consolidated】

Hokkaido bank【Non-consolidated】(Millions of yen)

As of June 30, 2016

As of June 30, 2015

21,832

23,53522,820124,449
20,189166,471
7,815,758
2.12%

131,704
29,639184,879
7,715,129
2.39%

125,668
20,108
168,598
7,808,305
2.15%

15,777

17,086

16,29569,985
10,88596,647
4,464,009
2.16%

73,47013,977
104,534
4,412,960
2.36%

70,305
11,062
97,6634,459,860
2.18%

6,055

6,449

6,524

54,4649,303
69,823
3,351,748
2.08%

58,233
15,66280,3453,302,168
2.43%

55,363
9,046
70,934
3,348,445
2.11%

As of June 30, 2016

As of June 30, 2015

As of March 31, 2016

Capital adequacy ratio

10.44%

11.39%

10.30%

Capital adequacy ratio

9.90%

10.88%

9.78%

Capital adequacy ratio

10.31%

11.03%

10.23%

Bankrupt and substantiallybankrupt
Doubtful
Substandard
Non Performing Loan (A)Total (Ｂ)NPL ratio (A)/(B)
Bankrupt and substantiallybankrupt
Doubtful
Substandard
Non Performing Loan (A)Total (Ｂ)NPL ratio (A)/(B)
Bankrupt and substantiallybankrupt
Doubtful
Substandard
Non Performing Loan (A)Total (Ｂ)NPL ratio (A)/(B)As of March 31, 2016

4. Capital Adequacy Ratio (Domestic Standard)
FG(Consolidated)
Hokuriku bank(Non-consolidated)

Hokkaido bank(Non-consolidated)

5. Valuation Difference on Securities(Millions of yen)

Marketvalue
Available-for-salesecurities
FG(Consolidated)
StocksBonds
Other
Available-for-salesecurities
Total of two banks
StocksBonds
Other
Available-for-salesecurities
Hokuriku bank
Stocks(Non-consolidated)
Bonds
Other
Available-for-salesecurities
Hokkaido bank
Stocks(Non-consolidated)
Bonds
Other

As of June 30, 2016
Valuation difference
Gains

Losses(Millions of yen)

Marketvalue

As of March 31, 2016
Valuation difference
Gains

Losses2,277,262

104,128

126,986

22,8572,255,419

111,131

127,111

15,979199,1211,550,246
527,895

59,42740,344
4,356

67,76940,437
18,7788,342
93
14,421

207,653
1,635,742
412,023

66,80839,601
4,721

73,792
39,71813,600

6,983
117
8,879

2,280,477

109,818

130,226

20,4082,258,438

116,634

130,674

14,040

198,589
1,555,393
526,494

66,201
40,562
3,054

72,15440,595
17,476

5,953
33
14,421

207,116
1,640,879
410,441

73,57739,817
3,238

78,69039,866
12,117

5,112
49
8,879

1,384,913

85,174

90,112

4,938

1,380,387

90,60993,6393,029

116,413952,303
316,196

43,08531,626
10,46245,324
31,635
13,152

2,239
9
2,690

121,760
970,290
288,337

50,73231,0808,796

52,46331,094
10,080

1,730
14
1,284

895,564

24,644

40,114

15,469878,050

26,02437,035

11,011

82,175603,090
210,298

23,115
8,936△7,407

26,829
8,960
4,324

3,714
23
11,73185,356
670,589
122,104

22,8448,737△5,557

26,226
8,771
2,037

3,381
34
7,594

6. Net Gains and Losses on Securities(Millions of yen)

1st Qtr of FY 2016

1st Qtr of FY 2015

(3 months)(3 months)

FY 2015(B)(reference)(A)

FG(Consolidated)(A)-(B)
96
134
－
37
－
－
(1,374)
1,456
2,705
124

Net gains (losses) related to bonds

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation

(193)
(119)
(66)
37
－
(30)
(4,458)(2,158)
2,187
113

289
253
66
－
－
30
3,084
3,614
518
11

824
928
108
213
－
－
(594)
7,373
6,576
1,390
(Millions of yen)

1st Qtr of FY 2016

1st Qtr of FY 2015

(3 months)(3 months)

FY 2015(B)(reference)

(A)
96
134
－
37
－
－
(1,303)
1,456
2,635
124

Net gains (losses) related to bonds

Totalof two banks(A)-(B)

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation

(193)
(119)
(66)
37
－
(30)
(4,387)(2,157)
2,116
113

289
253
66
－
－
30
3,083
3,613
518
11

824
928
108
213
－
－
(567)
7,375
6,576
1,366
(Millions of yen)

1st Qtr of FY 2016

1st Qtr of FY 2015

(3 months)(3 months)

FY 2015(B)(reference)(A)

Hokuriku bank(Non-consolidated)(A)-(B)
90
90
－
－
－
－
136
699
439
124

Net gains (losses) related to bonds

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation

(158)
(158)
－
－
－
－
(425)
122
426
122

249
249
－
－
－
－
561
577
13
2

425
441
－
15
－
－
(22)
2,349
1,036
1,335
(Millions of yen)

1st Qtr of FY 2016

1st Qtr of FY 2015

(3 months)(3 months)

FY 2015(B)(reference)(A)
Net gains (losses) related to bonds

Hokkaido bank(Non-consolidated)

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation(A)-(B)
5
43
－
37
－
－
(1,439)
756
2,195
－

(34)
39
(66)
37
－
(30)
(3,961)(2,280)
1,690
(9)

39
3
66
－
－
30
2,522
3,036
505
9

398
487
108
197
－
－
(545)
5,025
5,540
30