Summary：February 6, 2012

Financial Results for the Third Quarter of Fiscal 2011
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:
Shigeo Takagi
Title:
President & CEO
Amounts less than one million yen and one decimal place are rounded down.

1. Financial Highlights for the Third Quarter of Fiscal 2011 (for the nine months ended Dec. 31, 2011)(1) Consolidated Results of Operations(Accumulated Period)(%:

Changesfromcorresponding period of previous fiscal year)
Ordinary Income¥

3Q F2011
3Q F2010
Note:

Ordinary Profits

million156,912
161,629

%
(2.9)
(5.4)

Net Income

million25,35727,557

%
(8.0)
25.1

¥

million
8,142
14,773%(44.9)
40.8

Comprehensive income: 3Q F2011: ¥12,404million (36.6)% ; 3Q F2010: ¥19,565million －%Net Income

Diluted Net Income

per Share of Common Stockper Share of Common Stock

¥
5.28
10.05

3Q F2011
3Q F2010
Note:

¥

¥
－
－

Diluted Net Income per Share of Common Stock is not applicable due to no potential dilution.

(2) Consolidated Financial Conditions
Total Assets

Total Net Assets¥¥ million
10,668,777
10,585,054

3Q F2011
Fiscal 2010

Own Capital Ratio

%
4.0
4.0

million432,640
426,658

Reference: Own Capital: as of December 31, 2011: ¥431,559million; as of March 31, 2011: ¥425,720million
Note:
Own Capital Ratio was calculated as follows: (Total Net Assets-Minority Interests)/ Total Assets×100

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

The end of 1st Qtr¥－－

Fiscal 2010
Fiscal 2011
Fiscal 2011
(forecast)
Note:

The end of 2ndQtr

The end of 3rdQtr

¥
0.00
0.00

AnnualFiscal year-end

¥
－
－

¥
3.75

¥
3.75

3.75

3.75

Revision of forecast for cash dividends for shareholders of common stock during this quarter: No

3. Earnings Estimates for Fiscal 2011 (for the fiscal year ending March 31, 2012)(%: Changes from corresponding period of previous fiscal year)
Ordinary Income¥
Fiscal 2011
Note:

Ordinary Profits

million%

203,000(5.4)¥

Net Income

Net Income

per Share of Common Stockmillion%¥ million%¥

31,000(16.7)

17,000

(7.6)

11.07

Revision of the earnings estimates during this quarter: No

4. Others(1) Changes in Significant Subsidiaries during the Third Quarter: No(Note) Changes in specified subsidiaries accompanying changes in scope of consolidation during the Third 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 Third Quarter(including Treasury Stock)(b) Number of Treasury Stock at the end of
fiscal year and the Third Quarter(c) Average outstanding shares for the ninemonths ended

As of Dec. 31,
2011
As of Dec. 31,
2011
As of Dec. 31,
2011

1,391,630,146
2,221,185
1,389,420,723

As of March
31, 2011
As of March
31, 2011
As of Dec. 31,
2010

1,391,630,146
2,193,874
1,389,476,842

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.

Hokuhoku Financial Group, Inc. (8377)

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

As of Dec. 31, 2011
AssetsCash and due from banks
Call loans and bills bought
Receivables under resale agreements
Monetary claims bought
Trading assets
Money held in trust
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total assets
Liabilities
Deposits
Negotiable certificates of deposit
Call money and bills soldTrading liabilities
Borrowed money
Foreign exchanges
Bonds payable
Other liabilities
Provision for retirement benefits
Provision for director's retirement benefits
Reserve for contingent loss
Reserve for reimbursement of deposits
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities
Net assets
Capital stock
Capital surplus
Retained earnings
Treasury stock
Shareholders' equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for land
Accumulated other comprehensive income
Minority interests
Total net assets
Total liabilities and net assets

資産の部
現金預け金
ｺｰﾙﾛｰﾝ及び買入手形
買現先勘定
買入金銭債権
特定取引資産
金銭の信託
有価証券
貸出金
外国為替
その他資産
有形固定資産無形固定資産繰延税金資産支払承諾見返貸倒引当金
資産の部合計
負債の部
預金
譲渡性預金
ｺｰﾙﾏﾈｰ及び売渡手形
特定取引負債
借用金
外国為替
社債
その他負債
退職給付引当金
役員退職慰労引当金
偶発損失引当金
睡眠預金払戻損失引当金再評価に係る繰延税金負債
支払承諾
負債の部合計
純資産の部
資本金
資本剰余金
利益剰余金
自己株式
株主資本合計その他有価証券評価差額金
繰延ヘッジ損益
土地再評価差額金
その他の包括利益累計額合計
少数株主持分
純資産の部合計
負債及び純資産の部合計

As of March 31, 2011

338,41486,661
9,996
101,6828,817
3,902
2,467,433
7,240,389
10,489185,544
109,024
44,38651,042
95,418(84,425)
10,668,777

406,848
87,056－
111,451
9,303
3,994
2,326,508
7,224,636
13,234
168,565
112,167
36,42563,572102,240(80,950)
10,585,054

9,470,673
196,155
15,0002,543
261,639542
49,500123,131
8,866
631
2,928
1,591
7,514
95,418
10,236,136

9,347,057
144,686
20,0002,690
327,738
131
41,500150,519
7,779
529
2,771
1,850
8,901
102,240
10,158,395

70,895
153,188
183,857(604)
407,336
14,903(32)
9,352
24,223
1,081
432,640
10,668,777

70,895
153,188
182,131(600)
405,614
11,4193
8,683
20,105938
426,658
10,585,054

Hokuhoku Financial Group, Inc. (8377)(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
For the nine months ended Dec. 31, 2011
【Consolidated Statements of Income 】
Millions of yen

Ordinary income
Interest income(Interest on loans and discounts)(Interest and dividends on securities)

Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses(Interest on deposits)
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary profits
Extraordinary income
Extraordinary loss
Loss on disposal of fixed assets
Impairment loss
Loss on adjustment for changes of accounting standard for
asset retirement obligations
Other
Income before income taxes and minority interests
Income taxes-current
Refund of income taxes for prior periods
Income taxes-deferred
Total income taxes
Income before minority interests
Minority interests in income
Net income

経常収益
資金運用収益(うち貸出金利息)(うち有価証券利息配当金)

役務取引等収益
特定取引収益その他業務収益その他経常収益
経常費用
資金調達費用(うち預金利息)

役務取引等費用
その他業務費用
営業経費
その他経常費用
経常利益
特別利益
特別損失
固定資産処分損
減損損失
資産除去債務会計基準の適用に伴う影響額
その他の特別損失
税金等調整前四半期純利益
法人税、住民税及び事業税
過年度法人税等戻入額
法人税等調整額
法人税等合計少数株主損益調整前四半期純利益
少数株主利益四半期純利益For the nine months ended
Dec. 31, 2010

For the nine months ended
Dec. 31, 2011

161,629
111,116
92,404
16,57929,508880
17,3062,817
134,071
13,512
10,307
9,263
11,323
81,182
18,79027,557
56
692
167
358

156,912
107,905
88,746
17,221
28,135576
18,206
2,088
131,555
10,794
7,553
9,896
8,345
83,274
19,24325,357153-

13
26,921
5,168
(51)
6,894
12,011
14,909136
14,773

7
24,129
5,639

2
1,230
163
1,060

10,206
15,845
8,284
141
8,142

Hokuhoku Financial Group, Inc. (8377)【Consolidated Statements of Comprehensive Income】
Millions of yen

Net income before adjusting minority interest
Other comprehensive income

少数株主損益調整前四半期純利益
その他の包括利益

For the nine months ended
Dec. 31, 2010

For the nine months ended
Dec. 31, 2011

14,909
4,655
4,734
36
(101)

8,284
4,119
3,525
(35)
669

(Valuation difference on available-for-sale securities)(その他有価証券評価差額金)(Deferred gains or losses on hedges)(繰延ヘッジ損益)(Revaluation reserve for land)(土地再評価差額金)(Investor's share in other comprehensive income of associates thatare accounted for using the equity method)(持分法適用会社に対する持分相当額)

(13)

(39)

四半期包括利益
親会社株主に係る四半期包括利益
少数株主に係る四半期包括利益

19,565
19,432
133

12,404
12,260143

Total comprehensive income
The amount attributable to owners of the parent
The amount attributable to minority interest

Financial Highlights For the Third Quarter of Fiscal 2011
１．Income Analysis
FG 【consolidated】(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Fiscal Year 2010

Forecasts

FY 2011

3rd Qtr of

FY 2010

results

Full year(9 months)

FY 2010(9 months)(reference)

203,000
31,00017,000Ordinary income
Ordinary profits
Net income

ᇞ 4,716
ᇞ 2,199
ᇞ 6,630

156,91225,357
8,142

161,629
27,557
14,773【Total of two banks】

214,672
37,22018,404(Millions of yen)

3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2011

3rd Qtr of

FY 2010

results

Full year(9 months)

FY 2010(9 months)(reference)

Ordinary income
188,000
Core gross business profits
157,000
Net interest income
Net fees and commisions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

101,000

General and administrative expenses

Personnel
Non-personnel
56,000Core net business profits
Net gains (losses) related to bonds
Net business profits(before reversal（provision) ofgeneral allowance for loan losses)
20,000Total credit costs
Net gains (losses) related to stocks
33,000Ordinary profits
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
19,500Net income

Fiscal Year 2010

145,778
116,871
98,292
14,200
499
3,879
1,225
2,652
76,07634,141
37,56340,7953,916

ᇞ 1,7611,454
857
ᇞ 1,676
ᇞ 319
2,593
ᇞ 32
2,663
2,981
746
1,887
ᇞ 1,526
1,698

147,539
115,417
97,434
15,877
819
1,286
1,257
ᇞ 11
73,09533,39535,67642,322
2,218

195,889
155,416
130,747
20,836
1,143
2,689
1,688
963
98,644
44,77948,652
56,772
1,708

44,712

171

44,54058,4809,462
ᇞ 5,821
26,877
ᇞ 1,224
25,653
15,437
10,493
10,216

ᇞ 3,216
ᇞ 3,782
ᇞ 584
ᇞ 573
ᇞ 1,157
4,452
3,645
ᇞ 5,610

12,678
ᇞ 2,039
27,461
ᇞ 650
26,811
10,985
6,848
15,826

14,590ᇞ 2,753
37,029
ᇞ 1,940
35,08915,403
10,231
19,686

Full year / 3rd Quarter≪Core net business profits≫≪Net income≫(Millions of yen)

(Millions of yen)

100,000
80,00040,00076,802

Forecasts
66,48760,000【Full year】
56,772 【56,000】

57,99740,00037,90049,22742,32220,00030,00031,86520,0003Q/Full year
72.8%
40,795
10,00026,041

16,425

Forecasts【Full year】
19,686 【19,500】
15,826

3Q/Full year
52.3%
10,21600
FY2008FY2009FY2010FY2011

FY2008FY2009FY2010FY2011

【Non-Consolidated】 Hokuriku Bank・Core net business profits were JPY25,821 million, JPY154 million decrease relative to the corresponding
period of the previous fiscal year, mainly due to a decrease in net fees and commisions and an increase in
G&A expenses, although net interest income and net other income were improved.
・Ordinary profits increased by JPY2,001 million to JPY19,127 million, as a result of a decrease in total
credit costs and improved gains related to bonds and stocks. Net income was JPY7,833million,
JPY1,955million decrease, partly because corporate tax reform accompanying tax rate amendment casused
JPY2,812 million increase in our income tax expense.
(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2011

3rd Qtr of

FY 2010

results

Full year(9 months)

FY 2010(9 months)(reference)

107,000
Ordinary income
90,000Core gross business profits
Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives
55,000General and administrative expenses

Personnel
Non-personnel
35,000Core net business profits
Net gains (losses) related to bonds
Net business profits(before reversal（provision) ofgeneral allowance for loan losses)
12,000Total credit costs
Net gains (losses) related to stocks
22,000Ordinary profits
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
13,000Net income

Fiscal Year 2010

79,81866,62454,887
8,811
499
2,425
744
1,681
40,802
20,057
18,56525,821186

ᇞ 1,882
718
684
ᇞ 995
ᇞ 319
1,348
ᇞ 50
1,442
872
161
683
ᇞ 154
817

81,70065,90554,202
9,806
819
1,077
795
239
39,93019,896
17,881
25,975
ᇞ 631

108,887
88,56073,066
12,898
1,143
1,451
1,086
321
53,891
26,736
24,374
34,668
ᇞ 617

26,007662

25,344

34,0514,637
ᇞ 1,356
19,127
ᇞ 1,097
18,03010,196
10,152
7,833

ᇞ 1,272
314
2,001
ᇞ 625
1,376
3,331
3,344
ᇞ 1,9555,909
ᇞ 1,671
17,126
ᇞ 471
16,654
6,865
6,807
9,789

7,133
ᇞ 2,216
22,915
ᇞ 1,716
21,1989,280
8,862
11,918Full year / 3rd Quarter≪Core net business profits≫≪Net income≫(Millions of yen)

50,000(Millions of yen)

43,41038,31640,00030,000

Forecasts【Full year】
34,66833,53328,71320,00025,97530,000【35,000】
20,0003Q/Full year
73.7%
25,821

26,436
Forecasts

25,004
15,656
11,918【Full year】【13,000】
3Q/Full year
60.2%

10,00010,0000
FY2008FY2009FY2010FY2011

9,191

9,789

FY2009FY20107,833

0FY2008FY2011

【Non-consolidated】 Hokkaido Bank・Core net business profits were JPY14,973million, JPY1,372 million decrease relative to thecorresponding period of the previous fiscal year, mainly due to a decrease in net fees and commissions andan increase in G&A expenses, although net interest income and net other income were improved.
・Ordinary profits decreased by JPY2,585 million to JPY7,750 million, as a result of the losses ondevaluation of stocks, although the total credit costs were decreased. Net income was JPY2,382 million,
JPY3,654 million decrease, partly because corporate tax reform accompanying tax rate amendment caused
JPY1,891 million increase in our income tax expense.
(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2011

3rd Qtr of

FY 2010

results

Full year(9 months)

FY 2010(9 months)(reference)

81,000Ordinary income
67,000Core gross business profits
Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives
46,000General and administrative expenses

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

Fiscal Year 2010

65,96050,24743,404
5,389
－
1,453
481
970
35,27314,08418,997
14,973
3,730

121
736
172
ᇞ 681
－
1,244
18
1,221
2,108
585
1,203
ᇞ 1,372881

65,83949,511
43,231
6,071
－
208
462
ᇞ 250
33,165
13,49917,794
16,346
2,849

87,002
66,856
57,681
7,937
－
1,237
602
641
44,752
18,04324,278
22,103
2,326

18,704

ᇞ 490

19,19524,4294,824
ᇞ 4,464
7,750
ᇞ 126
7,623
5,240
341
2,382

ᇞ 1,944
ᇞ 4,096ᇞ 2,58551
ᇞ 2,5331,120
300
ᇞ 3,654

6,768
ᇞ 367
10,335
ᇞ 178
10,157
4,119
40
6,037

7,457
ᇞ 536
14,113
ᇞ 223
13,890
6,123
1,369
7,767

Full year / 3rd Quarter≪Core net business profits≫≪Net income≫(Millions of yen)

40,000(Millions of yen)

20,00033,392
Forecasts【Full year】

28,17030,00022,10320,00024,463

Forecasts
10,38410,00020,514
16,346

10,00011,464【21,000】

14,973 3Q/Full yaer
71.3%

【Full year】
7,767

6,861

7,233

FY2008FY20096,037【6,500】3Q/Full year
36.6%
2,382

0

0
FY2008FY2009FY2010FY2011FY2010FY20112. Loans and Deposits(1) Loans(Millions of yen)

As ofDec. 31,2011

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

As ofDec. 31, 2010

As of
Sep.30, 2011

(A)(C)=(A)-(B)7,254,747
50,643(C)/(B)
0.70%(B)
7,204,103(reference)
7,236,172

4,795,621

ᇞ8,030ᇞ0.16%

4,803,651

4,794,075

2,007,583
4,207,735

21,420
ᇞ18,6171.07%
ᇞ0.44%

1,986,162
4,226,353

1,995,335
4,205,710

2,852,483

13,8260.48%

2,838,656

2,871,969

1,056,613
3,047,011

17,307
69,261

1.66%
2.32%

1,039,305
2,977,749

1,050,723
3,030,462

1,943,138

ᇞ21,857

ᇞ1.11%

1,964,995

1,922,106

950,970

4,113

0.43%

946,857

944,612(2) Deposits and Investment products(Millions of yen)

As of
Dec.31,2011(A)(C)=(A)-(B)(C)/(B)

As of
Dec.31, 2010

As of
Sep.31, 2011(B)

(reference)

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

9,697,301
6,802,909
7,408,409
6,775,878

222,410
166,820
67,433
168,049

2.34%
2.51%
0.91%
2.54%

9,474,890
6,636,089
7,340,976
6,607,829

9,534,733
6,666,405
7,290,881
6,638,558

632,530

ᇞ100,616

ᇞ13.72%

733,147

652,322

27,030260,619344,880

ᇞ1,228
ᇞ24,943
ᇞ74,444

ᇞ4.34%
ᇞ8.73%
ᇞ17.75%28,259285,563
419,325

27,846263,240
361,235

5,528,541
3,694,674
4,082,960
3,674,611

108,247
71,827
5,986
71,775

1.99%
1.98%
0.14%
1.99%

5,420,293
3,622,847
4,076,974
3,602,836

5,416,526
3,632,904
4,033,258
3,612,079

408,348

ᇞ65,789

ᇞ13.87%474,138

421,179

20,062
171,200
217,08551
ᇞ20,138
ᇞ45,7020.25%
ᇞ10.52%
ᇞ17.39%20,011
191,339
262,788

20,824
172,386
227,968

4,168,759
3,108,235
3,325,449
3,101,267

114,162
94,99361,447
96,274

2.81%
3.15%
1.88%
3.20%

4,054,597
3,013,242
3,264,002
3,004,993

4,118,207
3,033,501
3,257,622
3,026,479

224,182

ᇞ34,826

ᇞ13.44%

259,009

231,143

6,968
89,419127,795

ᇞ1,279
ᇞ4,805
ᇞ28,742ᇞ15.51%
ᇞ5.09%
ᇞ18.36%

8,248
94,224
156,537

7,022
90,854133,267

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

As of Dec.31,2011

Totalof two banks

Hokuriku bank【Non-consolidated】

Hokkaido bank【Non-consolidated】

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 Dec.31,2010(Millions of yen)

As of Sep.30,2011

41,73650,72443,543

147,280
47,603
236,621
7,458,648
3.17%

138,344
28,706
217,775
7,426,399
2.93%

142,795
43,504
229,8437,439,521
3.08%

32,03238,35932,386

100,869
23,534
156,436
4,337,137
3.60%

92,893
16,493
147,746
4,377,496
3.37%

97,843
22,863
153,093
4,337,015
3.52%

9,704

12,364

11,156

46,411
24,06880,184
3,121,510
2.56%

45,451
12,21270,0283,048,903
2.29%

44,951
20,641
76,7493,102,506
2.47%

4. Capital Adequacy Ratio (Domestic Standard)
As of Dec.31,2011
11.55%
7.72%
11.67%
7.56%
10.50%
6.97%

FG
Capital adequacy ratio(consolidated)
Tier1 ratio
Hokuriku bank
Capital adequacy ratio(non-consolidated)
Tier1 ratio
Hokkaido bank Capital adequacy ratio(non-consolidated)
Tier1 ratio

As of Sep.30,2011
11.57%
7.72%
11.62%
7.50%
10.57%
7.03%

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 Dec.31,2011
Valuation difference
Gains

Losses(Millions of yen)

Marketvalue

As of Sep.30,2011
Valuation difference
Gains

Losses2,442,664

22,87850,561

27,682

2,456,234

19,272

48,23028,95891,5462,182,561
168,556△11,541
38,744△4,323

9,643
39,3071,610

21,185562
5,934

93,2372,190,092
172,903△13,459
36,027△3,296

9,944
36,552
1,733

23,403524
5,029

2,447,084

29,98553,661

23,6762,460,762

26,55251,452

24,90091,266
2,187,623
168,194△4,45038,980△4,545

12,87039,522
1,268

17,321
541
5,813

93,0062,195,153
172,601△6,34336,354△3,45813,19636,767
1,488

19,539413
4,947

1,363,471

19,31735,201

15,883

1,347,168

19,39934,055

14,656

61,9871,181,735
119,748△6,90926,396△168

7,374
26,731
1,094

14,284335
1,263

63,7601,157,629
125,779△5,51024,661
248

7,999
24,811
1,244

13,509150996

1,083,612

10,667

18,4607,793

1,113,593

7,152

17,396

10,24429,2781,005,887
48,445

2,459
12,584△4,376

5,496
12,791
173

3,036
206
4,549

29,246
1,037,524
46,822△833
11,693△3,707

5,196
11,956
243

6,030
262
3,951

6. Net Gains and Losses on Securities(Millions of yen)(reference)
3rd Qtr of FY 2011

3rd Qtr of FY 2010

(9 months)(9 months)(A)

FG(consolidated)(A)-(B)
3,834
4,990
－
790
340
24
ᇞ6,052
117
553
5,616

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

Fiscal Year 2010

(B)

1,686
164
－
ᇞ1,886340
24
ᇞ4,070
ᇞ392
93
3,583

2,148
4,825
－
2,677
－
－
ᇞ1,982
510
459
2,032

1,610
5,202
1
3,286
－
308
ᇞ2,760
522
520
2,762
(Millions of yen)(reference)
3rd Qtr of FY 2011

3rd Qtr of FY 2010

(9 months)(9 months)

(A)
3,916
5,069
－
700
428
24
ᇞ5,821
118
244
5,695

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

Fiscal Year 2010

(B)

1,698
244
－
ᇞ1,906428
24
ᇞ3,782
ᇞ418
ᇞ204
3,568

2,218
4,825
－
2,607
－
－
ᇞ2,039
536
448
2,127

1,708
5,202
1
3,188
－
308
ᇞ2,753
555
451
2,857
(Millions of yen)(reference)
3rd Qtr of FY 2011

3rd Qtr of FY 2010

(9 months)(9 months)(A)

Hokuriku bank(Non-consolidated)(A)-(B)
186
186
－
－
－
－
ᇞ1,35654
73
1,338

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

Fiscal Year 2010

(B)
ᇞ631
14
－
646
－
－
ᇞ1,671
496
382
1,784

817
171
－
ᇞ646
－
－
314
ᇞ441
ᇞ309
ᇞ445

ᇞ617
28
－
646
－
－
ᇞ2,216
501
385
2,332
(Millions of yen)(reference)
3rd Qtr of FY 2011

3rd Qtr of FY 2010

(9 months)(9 months)(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)
3,730
4,883
－
700
428
24
ᇞ4,464
63
170
4,357

881
73
－
ᇞ1,260428
24
ᇞ4,096
23
105
4,014

Fiscal Year 2010

(B)
2,849
4,810
－
1,961
－
－
ᇞ367
40
65
342

2,326
5,174
1
2,542
－
308
ᇞ536
54
65
524