Summary：February 5, 2010

Financial Results for the Third Quarter of Fiscal 2009
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 2009 (for the nine months ended Dec. 31, 2009)(1) Consolidated Results of Operations (Accumulated Period)(%: Changes from corresponding period of previous fiscal year)

Ordinary Income¥

3Q F2009
3Q F2008

million170,809
181,024

%
(5.6)
-

¥

Net Income

million22,027
14,461%
52.3-

Net Income

Diluted Net Income

per Share of Common Stockper Share of Common Stock

¥
6.96
21.49

3Q F2009
3Q F2008
Note:

Ordinary Profits¥

million
10,491
31,084%(66.3)

¥
6.59
19.42

Diluted Net Income per Share of Common Stock for the 9 months of fiscal 2009 is not applicable due to no potential dilution.

(2) Consolidated Financial Conditions
Total Assets

Total Net Assets¥¥ million
10,059,204
9,929,086

3Q F2009
Fiscal 2008

Total Net Assets

Own Capital Ratio

per Share of Common Stock¥249.31
234.56%4.0
4.4

million
401,005
441,664

Reference: Own Capital: as of December 31, 2009: ¥400,210million; as of March 31, 2009: ¥440,988million
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 2008
Fiscal 2009
Fiscal 2009
(forecast)
Note:

The end of 2ndQtr

The end of 3rdQtr

¥
0.00
0.00

AnnualFiscal year-end

¥
－
－

¥
3.00

¥
3.00

3.00

3.00

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

3. Earnings Estimates for Fiscal 2009 (for the fiscal year ending March 31, 2010)(%: Changes from corresponding period of previous fiscal year)
Ordinary Income¥
Fiscal 2009
Note:

million
225,000

Ordinary Profits

%
(6.1)

¥

million35,000

Revision of the earnings estimates during this quarter: No

Net Income

Net Income

%
63.6

¥

million
18,000per Share of Common Stock%(51.4)¥
11.78

4. Others(1) Changes in Significant Subsidiaries during the Third Quarter(changes in specified subsidiaries accompanying changes in scope of consolidation): No(2) Adoption of simplified accounting methods or accounting methods used specifically for quarterly consolidated financial
statements: Adopted(3) Changes in Accounting Methods and Presentation of Consolidated Financial Statements(a) Changes due to revisions of accounting standards etc.: Yes(b) Changes other than (a) above: Yes(4) Issued Shares（Common Stock）(a) Number of Common Stock outstanding at the end of fiscal year and the Third Quarter (including Treasury Stock):
as of December 31, 2009 and as of March 31, 2009: 1,391,630,146(b) Number of Treasury Stock at the end of fiscal year and the Third Quarter:
as of December 31, 2009: 1,853,074; as of March 31, 2009: 1,488,730(c) Average outstanding shares for the nine months ended:
as of December 31, 2009: 1,390,058,773; as of December 31, 2008: 1,390,290,576
Notes for using forecasts information etc.
1.There are no changes to our earnings forecasts for full year, released on November 13, 2009.
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 Consolidated Financial Statements(1) Consolidated Balance Sheets
Millions of yen

As of Dec. 31, 2009
AssetsCash and due from banks
Call loans and bills bought
Receivables under securities borrowing transactions
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
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
Valuation and translation adjustments
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
債券貸借取引支払保証金
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
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
評価・換算差額等合計
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, 2009

386,531
147,182
44,283136,085
9,390
4,431
1,835,620
6,998,215
11,173
233,112111,747
38,02576,686
121,874(95,156)
10,059,204

412,377
60,726
154,830
8,719
4,751
1,673,591
7,133,148
13,381
182,963
111,642
39,90293,391135,055(95,397)
9,929,086

8,924,662
123,609
1,316
2,999
218,744791
79,500164,383
7,401
2,128
1,815
8,969
121,874
9,658,198

8,590,573
70,965
10,0002,263
395,55955
64,500196,678
8,960
1,558
2,196
9,054
135,055
9,487,421

70,895
153,193
161,379(540)
384,927
6,493
5
8,784
15,283794
401,005
10,059,204

70,895223,098
156,942(470)
450,466(18,341)(45)
8,908(9,478)676
441,664
9,929,086

Hokuhoku Financial Group, Inc. (8377)(2) Consolidated Statements of Income
For the nine months ended Dec. 31, 2009
Millions of yen

Ordinary income
Interest income

経常収益
資金運用収益(Interest on loans and discounts)(うち貸出金利息)(Interest and dividends on securities)(うち有価証券利息配当金)

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 contribution of securities to retirement benefit trust
Other
Income before income taxes and minority interests
Income taxes-current
Income taxes for prior periods
Refund of income taxes for prior periods
Income taxes-deferred
Total income taxes
Minority interests in income
Net income

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
退職給付信託設定損
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
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利益四半期純利益For the nine months ended
Dec. 31, 2008

For the nine months ended
Dec. 31, 2009

181,024
123,759
105,944
14,041
31,227
1,159
22,5402,336
166,563
23,895
19,7898,594
14,36075,44044,271
14,461
86
1,340
1,329

170,809
115,800
99,29913,51729,804
1,213
21,314
2,676
148,782
18,09914,473
9,022
11,406
79,67130,582
22,027
67
1,411
631
327
445
7
20,683
6,971
749
(104)
2,462
10,078113
10,491

11
13,207
13,133(31,135)(18,001)124
31,084

SELECTED FINANCIAL INFORMATION
For the Third Quarter of Fiscal 2009(Ended December 31, 2009)

Financial Highlights For the Third Quarter of Fiscal 2009
１．Income Analysis
FG 【consolidated】(Millions of yen)
3rd Qtr of

Ordinary income
Ordinary profits
Net income

Forecasts

FY 2009

Full year(9 months)

170,809
22,027
10,491【225,000】【35,000】【18,000】

3rd Qtr ofChanges△ 10,214
7,566△ 20,593

Fiscal Year 2008

FY 2008

results(9 months)(reference)

181,024
14,461
31,084

239,648
21,39937,034【Total of two banks】(Millions of yen)
3rd Qtr of

Forecasts

FY 2009

Full year(9 months)

Changes

3rd Qtr of

Fiscal Year 2008

FY 2008

results(9 months)(reference)

Ordinary income【205,000】
Core gross business profits【162,000】
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【94,000】
Personnel
Non-personnel
Core net business profits【68,000】
Net gains (losses) related to bonds
Net business profits(before reversal （provision) ofgeneral allowance for loan losses)

156,152
120,343
97,782
16,437
1,122
5,001
3,029
1,958
71,11532,52834,74549,2272,119△ 9,031△ 6,495△ 1,782△ 1,97738△ 2,773△ 2,324
△ 428
2,273
1,807
574
△ 8,769
4,503

165,183
126,839
99,565
18,415
1,083
7,775
5,353
2,386
68,84230,72034,171
57,997△ 2,384

218,575
168,348
133,450
23,804
1,534
9,558
6,500
3,057
91,545
41,16345,17576,802△ 2,553

51,347△ 4,265

55,61374,249Total credit costs
Net gains (losses) related to stocks
Ordinary profits
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Net income

23,284△ 1,769
22,952
3,586
26,538
10,112
16,425△ 5,523
9,531
9,287
3,817
13,10428,545△ 15,440

28,807△ 11,301
13,664△ 231
13,433△ 18,432
31,86535,542△ 15,100
21,3091,124
22,434△ 15,466
37,900

Full year / 3rd Quarter≪Core net business profits≫
100,000

88,63976,80280,00060,0003Q/Full year
72.3%

Forecast
68,00065,897【37,000】【25,000】≪Ordinary profits≫≪Net income≫

70,00040,00065,07760,00030,00020,00016,425
22,952

10,000013,6640
FY2008FY2009Forecast
25,00023,89521,30920,000FY200731,865

Forecast
37,00045,68137,9003Q/Full year
65.7%

20,00049,22739,043

3Q/Full year
62.0%

50,00040,00057,99740,000【27,000】

0
FY2007

FY2008FY2009FY2007

FY2008FY2009

【Non-Consolidated】 Hokuriku Bank・ Core net business profits for the 3rd quarter of FY 2009 were JPY28,713million, JPY4,819million decrease
relative to the corresponding period of the previous fiscal year, mainly due to the narrowed loan-deposit margin
and the decrease in gains on foreign exchange transaction.
・ Ordinary profits increased by JPY7,590 million to JPY12,721million, as the result of the decrease in total
credit costs and net losses related to stocks and other securities.
・ Net income was JPY9,191million, JPY15,812million decrease.
(Millions of yen)
3rd Qtr of

Forecasts

FY 2009

Full year(9 months)

3rd Qtr ofChanges

Fiscal Year 2008

FY 2008

results(9 months)(reference)

Ordinary income【115,000】
Core gross business profits【91,000】
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【52,000】
Personnel
Non-personnel
Core net business profits【39,000】
Net gains (losses) related to bonds
Net business profits(before reversal （provision) ofgeneral allowance for loan losses)

85,924
67,611
54,381
9,919
1,122
2,188
976
1,211
38,89819,51917,55728,713△ 1,143△ 8,851△ 4,449△ 1,642△ 1,14438△ 1,701△ 1,929
228
369
1,359
△ 829
△ 4,819△ 213

94,77572,061
56,024
11,063
1,083
3,889
2,905
982
38,52818,16018,38733,533△ 930

124,270
94,75374,763
14,321
1,534
4,134
3,168
965
51,34324,48624,341
43,410△ 1,099

27,570△ 5,032

32,60342,311

Total credit costs
Net gains (losses) related to stocks
Ordinary profits
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Net income

11,666△ 1,430
12,721
2,360
15,081
5,889
9,191△ 6,061
7,854
7,590
2,480
10,07025,883△ 15,812

17,727△ 9,284
5,130
△ 119
5,010
△ 19,993
25,004

21,482△ 11,575
8,803△ 1,217
7,586△ 18,850
26,436

Full year / 3rd Quarter≪Core net business profits≫
60,00054,182

3Q/Full year
73.6%
43,41040,000

Forecast
39,000【14,000】【21,000】【15,000】≪Ordinary profits≫≪Net income≫

40,00030,00035,604
3Q/Full year
60.5%

30,00040,111

Forecast
21,00026,151

26,436
21,22725,00420,0003Q/Full year
61.2%

Forecast
15,00020,00033,53328,71320,0008,803

10,00010,00013,15012,721

9,191

5,130
0

0
FY2007

FY2008FY20090
FY2007

FY2008FY2009FY2007

FY2008FY2009

【Non-Consolidated】 Hokkaido Bank・Core net business profits for the 3rd quarter of FY 2009 were JPY20,514million, JPY3,949million decrease
relative to the corresponding period of the previous fiscal year, mainly due to the decreased net fees andcommissions, net income on derivatives and increase in G&A expenses regarding banking system.
・Net gains related to bonds and stocks improved, thus ordinary profits were JPY10,230million and net income
was JPY7,233million, JPY1,696million, and JPY372million increase respectively from the results of 3rd quarterof FY2008.
(Millions of yen)
3rd Qtr of

Forecasts

FY 2009

Full year(9 months)

3rd Qtr ofChanges

Fiscal Year 2008

FY 2008

results(9 months)(reference)

Ordinary income【90,000】
Core gross business profits【71,000】
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【42,000】
Personnel
Non-personnel
Core net business profits【29,000】
Net gains (losses) related to bonds
Net business profits(before reversal （provision) ofgeneral allowance for loan losses)

70,22852,732
43,400
6,518
－
2,813
2,052
747
32,217
13,00817,18820,5143,263△ 179△ 2,045
△ 140
△ 833
－
△ 1,072
△ 394
△ 656
1,903
448
1,404
△ 3,949
4,717

70,40854,77743,540
7,351
－
3,885
2,447
1,404
30,313
12,56015,78324,463△ 1,453

94,30473,59458,687
9,483
－
5,423
3,331
2,092
40,201
16,676
20,83333,392△ 1,454

23,777

767

23,00931,938

Total credit costs
Net gains (losses) related to stocks
Ordinary profits
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Net income

11,617△ 339
10,2301,225
11,456
4,222
7,233

537
1,677
1,696
1,337
3,033
2,661
372

11,079△ 2,016
8,534
△ 111
8,422
1,561
6,861

14,059△ 3,524
12,505
2,342
14,8483,383
11,464

Full year / 3rd Quarter≪Core net business profits≫
3Q/Full year
70.7%

40,00034,45725,78620,00033,392

Forecast
29,00024,463
20,514【13,000】【16,000】【10,000】≪Ordinary profits≫≪Net income≫

40,00020,00030,00029,473

Forecast
16,0008,534
FY2008FY2009Forecast
10,000

6,861

7,233

FY2008FY200910,744

10,2300
FY2007

10,00011,464

12,505

10,00003Q/Full year
72.3%

3Q/Full year
63.9%

20,00019,53017,8150
FY2007

FY2008FY2009FY2007

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

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

As of
Dec.31, 2009
(A)
7,010,833

As ofDec.31, 2008
(B)
7,162,333

4,916,039

5,049,848

4,944,095

1,953,174
4,111,796

1,890,746
4,309,018

1,933,396
4,172,649

2,867,236

2,980,828

2,920,656

1,008,727
2,899,036

966,869
2,853,315

998,504
2,828,903

2,048,803

2,069,020

2,023,439

As of
Sep.30, 2009
7,001,552

Housing and consumer loans
944,447
923,877
934,892“Hokugin Corp.” , Hokuriku bank's fully-owned subsidiary for corporate revitalization, terminated its projected operations and was
liquidated in Sep. , 2009. In the loans of 'Hokuriku bank' and 'Total of two banks' as of Dec. 2008, the loans of Hokugin Corp areincluded for comparison.

(2) Deposits and Investment products(Millions of yen)

As of
Dec.31, 2009
(A)
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

As of
Dec.31, 2008
(B)

As of
Sep.30, 2009

8,971,016
6,438,262
7,189,242
6,412,292

8,709,141
6,232,109
6,944,737
6,206,993

8,818,728
6,285,313
7,031,672
6,260,022

776,950

737,744771,649

25,969307,973443,007

25,115322,326
390,303

25,290312,113434,246

5,145,757
3,550,025
4,028,002
3,531,702

5,040,891
3,474,294
3,929,656
3,455,956

5,079,564
3,489,785
3,965,425
3,471,342

496,300

473,700

494,082

18,323
199,786
278,190

18,338206,914
248,448

18,443
201,518
274,1213,825,259
2,888,237
3,161,240
2,880,590

3,668,249
2,757,815
3,015,081
2,751,037

3,739,163
2,795,528
3,066,247
2,788,680

280,650

264,044277,567

7,646
108,187
164,817

6,777
115,412
141,855

6,847
110,595
160,125

3. Non-Performing Loan (“NPL”) based on the Financial Reconstruction Law (the“FRL”)(Millions of yen)
As of Dec. 31,2009

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)(Millions of yen)

As of Sep. 30,2009

56,36959,396

145,827
16,912
219,1107,235,655
3.02%

139,208
15,987
214,592
7,232,343
2.96%

41,30643,81888,48015,890145,677
4,267,377
3.41%

81,181
15,079140,079
4,335,371
3.23%

15,062

15,57857,347
1,022
73,433
2,968,278
2.47%

58,026908
74,5132,896,972
2.57%

4. Capital Adequacy Ratio (Domestic Standard)
As of Dec. 31,2009
11.07%
6.85%
10.83%
6.43%
10.39%
6.51%

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. 30,2009
10.91%
6.70%
10.56%
6.24%
10.30%
6.45%

5. Valuation Difference on Securities(Millions of yen)

Marketvalue
Available-for-salesecurities
StocksFG(consolidated)
Bonds
Other
Available-for-salesecurities
StocksTotal of two banks
Bonds
Other
Available-for-salesecurities
StocksHokuriku bankBonds
(non-consolidated)
Other
Available-for-salesecurities
StocksHokkaido bankBonds
(non-consolidated)
Other

As of Dec. 31,2009
Valuation difference
Gains

Losses(Millions of yen)

Marketvalue

As of Sep. 30,2009
Valuation difference
Gains

Losses1,660,990

10,93831,355

20,416

1,576,126

13,09031,97018,879105,219
1,469,747
86,023△3,904
20,586△5,742

9,344
21,580429

13,249994
6,172

114,190
1,369,283
92,652

4,606
15,044△6,56014,953
16,433583

10,3461,389
7,143

1,660,743

18,82635,07916,252

1,575,855

21,02336,275

15,252

104,973
1,469,747
86,023

3,341
21,048△5,562

12,61722,013
448

9,276
965
6,011

113,920
1,369,283
92,652

11,833
15,520△6,33018,774
16,878
622

6,940
1,358
6,953

797,234

8,298

17,3999,101

730,015

11,144

20,033

8,889

72,631
691,127
33,474962
8,877△1,541

7,373
9,723
302

6,410
846
1,843

79,286
613,092
37,6366,881
6,280△2,017

12,158
7,400
474

5,276
1,120
2,491

863,509

10,52817,6797,151

845,840

9,878

16,242

6,363

32,341
778,619
52,5482,378
12,170△4,021

5,243
12,289
146

2,865
118
4,167

34,633756,19055,015

4,952
9,239△4,313

6,616
9,477
148

1,663
237
4,461

6. Net Gains and Losses on Securities(Millions of yen)(reference)
3rd Qtr of FY2009

3rd Qtr of FY2008

Fiscal Year 2008

Changes(9 months)

FG(consolidated)

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(9 months)
2,511

4,862

△2,351△2,554

4,916
－
1,388
74
942

2,823
－
△423
△894
△720

2,092
－
1,811
968
1,662

3,237
－
2,059
1,005
2,727

△1,801

10,290△12,092△15,656

778
397
2,182

444
365
△10,211334
32
12,394343
220
15,779(Millions of yen)(reference)

3rd Qtr of FY2009

3rd Qtr of FY2008

Fiscal Year 2008

Changes(9 months)

Totalof two banks

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(9 months)
2,119

4,503

△2,384△2,553

4,724
－
1,388
273
942

2,623
－
△378
△780
△720

2,100
－
1,767
1,054
1,662

3,204
－
2,020
1,009
2,727

△1,7699,531△11,301△15,100

745
355
2,159

407
326
△9,451337
28
11,610351
215
15,237(Millions of yen)(reference)

3rd Qtr of FY2009

3rd Qtr of FY2008

Fiscal Year 2008

Changes(9 months)
Net gains (losses) related
to bonds
Gains on sales
Gains on redemption
Hokuriku bank
Losses on sales(Non-consolidated)
Losses on redemption
Losses on devaluation
Net gains (losses) related
to stocks and others
Gains on sales
Losses on sales
Losses on devaluation(9 months)△1,143△213△930△1,099

99
－
420
－
821

△680
－
373
－
△841

779
－
46
－
1,662

1,217
－
82
5
2,227

△1,4307,854△9,284△11,575

546
335
1,640

238
325
△7,941

307
9
9,582

310
139
11,746(Millions of yen)(reference)

3rd Qtr of FY2009

3rd Qtr of FY2008

Fiscal Year 2008

Changes(9 months)
Net gains (losses) related
to bonds
Gains on sales
Gains on redemption
Hokkaido bank
Losses on sales(Non-consolidated)
Losses on redemption
Losses on devaluation
Net gains (losses) related
to stocks and others
Gains on sales
Losses on sales
Losses on devaluation(9 months)
3,263

4,717

△1,453△1,454

4,625
－
967
273
120

3,304
－
△752
△780
120

1,320
－
1,720
1,054
－

1,986
－
1,937
1,003
500

△339

1,677

△2,016△3,524

199
20
518

168
0
△1,509

30
19
2,027

41
75
3,490

7. Derivatives【Non-consolidated】(1) Interest Rate-Related Transactions

Distinction
Totalof two banks

Hokuriku bank

Hokkaido bank

Type
Swap

over-the-counter Option

OthersTotal
Swapover-the-counter Option
OthersTotal
Swapover-the-counter Option
Others
Total(Millions of yen)

(Millions of yen)

As of Dec. 31,2009
Contract
MarketRecognized
AmountValue
Gain(Loss)
1,475,223
5,254
5,254
665,845△1
4,880
36,681△5
696
5,247
10,830936,6874,253
4,253
455,141
7
3,345
25,830
△5
677
4,255
8,276
538,535
1,000
1,000
210,704△9
1,534
10,851
18
991
2,554

As of Sep. 30,2009
Contract
MarketRecognized
AmountValue
Gain(Loss)
1,456,825
4,340
4,340
591,144△0
5,417
38,796△7739
4,332
10,497847,285
3,302
3,302
360,690
6
3,349
27,784
△7
720
3,300
7,371
609,540
1,038
1,038
230,454△6
2,068
11,012
18
1,031
3,125

Note: Excluded the derivatives applied to 'deferral hedge accounting'.
(2) Foreign Exchange-Related Transactions

Distinction
Totalof two banks

Hokuriku bank

Hokkaido bank

Type
Swap

over-the-counter Forward

OptionTotal
Swapover-the-counter Forward
OptionTotal
Swapover-the-counter Forward
OptionTotal(Millions of yen)

(Millions of yen)

As of Dec. 31,2009
Contract
MarketRecognized
AmountValue
Gain(Loss)
59,622
156
156
27,934373
373
1,424,364△0
15,253530
15,78358,862
139
139
21,109246
246
725,250
△0
8,253
385
8,639
759
17
17
6,824
127
127
699,113
△0
6,999
144
7,144

As of Sep. 30,2009
Contract
MarketRecognized
AmountValue
Gain(Loss)
63,000168
168
27,180276
276
1,460,777
016,182445
16,627
62,231
151
151
22,005267
267
776,972
8,991
418
9,409
769
17
17
5,174
9
9
683,804
0
7,191
27
7,218

Note: Excluded the derivatives applied to 'deferral hedge accounting'.
(3) Stock-Related Transactionsn/a(4) Bond-Related Transactionsn/a(5) Commodity-Related Transactions

Distinction

Type

Total
of two banks
Hokuriku bankover-the-counter Swap

Hokkaido bankover-the-counter Swap

Total
over-the-counter Swap

Total
Total

(Millions of yen)

(Millions of yen)

As of Dec. 31,2009
Contract
MarketRecognized
AmountValue
Gain(Loss)
2,320
77
77
77
77
2,320
77
77
77
77
-

As of Sep. 30,2009
Contract
MarketRecognized
AmountValue
Gain(Loss)
1,932
79
79
79
79
1,932
79
79
79
79
-

Note: Excluded the derivatives applied to 'deferral hedge accounting'.
(6) Othersn/a