Note: This document has been translated from a part of the Japanese original for reference purposes only. In the event of any
discrepancy between this translated document and the Japanese original, the original shall prevail.

Securities code: 7381
May 24, 2024
To our shareholders:Shuji Tsuemura
Director and President
Hokkoku Financial Holdings, Inc.
2-12-6 Hirooka, Kanazawa, Ishikawa, 920-8670 JapanNOTICE OF THE 3RD ORDINARY GENERAL MEETING OF SHAREHOLDERSFirst, we would like to express our deepest sympathies to all those who have been affected by the “2024 NotoPeninsula Earthquake,” and we sincerely hope for a quick reconstruction and recovery. We would also like to mournfor the people who lost their lives, and offer our condolences to families who have lost loved ones.
Hokkoku Financial Holdings, Inc. (the “Company”) aims to support the early recovery of the region affected by thisdisaster, and we intend to concentrate our strength as a group to continue various initiatives, to ensure that we areable to create a rich future together with people in affected areas.
You are cordially invited to attend the 3rd Ordinary General Meeting of Shareholders of the Company, which will beheld as described below.
You may exercise your voting rights either in writing (by post) or via internet. After reviewing the attached reference
documents for the General Meeting of Shareholders, please exercise your voting rights no later than 5:30 p.m.,
Thursday, June 13, 2024 (Japan Standard Time).
1. Date and Time: Friday, June 14, 2024 at 10:00 a.m. (Japan Standard Time)
2. Venue:
Main Hall, 3F Hokkoku Financial Holdings Head Office Building
2-12-6 Hirooka, Kanazawa, Ishikawa
3. Purposes:
Items to be reported:
The Business Report, Consolidated Financial Statements, and Non-consolidated Financial Statements for the3rd Term (from April 1, 2023 to March 31, 2024), as well as the results of audits by the Accounting Auditor
and the Audit and Supervisory Committee
Items to be resolved:
Proposal 1:
Amendment to Articles of Incorporation
Proposal 2:
Election of Three (3) Directors who are not Audit and Supervisory Committee Members■ Measures for Providing Reference Documents for the General Meeting of Shareholders in Electronic Format
On the occasion of this general meeting of shareholders, the Company has taken measures (websites below) toprovide information (items for which measures for providing information in electronic format will be taken) includedin the Reference Documents for the General Meeting of Shareholders, etc., according to the Companies Act and thestipulations of the Company’s Articles of Incorporation. However, notwithstanding any requests for the delivery of
documents based on the Companies Act, the Company will send the information to all shareholders in writing asbefore.
The Company’s website (“General Meeting of Shareholders Information” page)
Please access the URL below and refer to “3rd Ordinary General Meeting of Shareholders.”
https://www.hfhd.co.jp/ir/stock/soukai.html (in Japanese)
TSE website (Listed Company Search)
Please access the URL below and input “Hokkoku Financial Holdings, Inc.” in “Issue name (company name)” or“7381” in “Code” to search. Then, confirm the information after selecting “Basic information” and “Documents for
public inspection/PR information,” in that order.
https://www2.jpx.co.jp/tseHpFront/JJK010010Action.do?Show=Show (in Japanese)-1-■ Omission of Some Items from These Documents
Among items subject to measures for electronic provision, the following are published on the websites above as“Items Excluded from the Paper-based Notice to Be Delivered of the 3rd Ordinary General Meeting of Shareholders”
in accordance with the provisions of laws and regulations as well as the stipulations of the Company’s Articles ofIncorporation. Please refer to those.
[Business Report]
Conditions of the enterprise group’s principal
Conditions of the enterprise group, thebusiness locations, etc.
Company’s assets and gain or loss
Matters related to the Accounting Auditor
Conditions of the enterprise group’s employeesMatters related to specified wholly owned
Systems to ensure appropriateness of businesssubsidiaries
operations
Matters related to transactions among the parentcompany, etc.
[Consolidated Financial Statements and Non-consolidated Financial Statements]Consolidated statements of changes in net assets
Notes to consolidated financial statements

Non-consolidated statements of changes in
Notes to non-consolidated financial statements
shareholder’s equity
These items are subject to audit when the Audit and Supervisory Committee creates the Audit Report and theAccounting Auditor creates the Accounting Audit Report, respectively.
■ If Revisions to the Items Subject to Measures for Electronic Provision Arise
If revisions to the items subject to measures for electronic provision arise, a notice of the revisions as well as thedetails of the items before and after the revisions will be published on the websites above.
■ Precautions When Attending the Meeting
If attending the meeting, please submit the Voting Rights Exercise Form sent with this notice of the General Meetingof Shareholders at the venue’s reception desk.
Please also bring the notice of the General Meeting of Shareholders with you in order to conserve paper resources.
■ The Sales Report
Starting this year, the information that was provided in “The Sales Report” will be published on the Company’swebsite. Please access the URL below and check the “IR Information” page on the Company’s website.
The Company’s website (“IR Information” page)https://www.hfhd.co.jp/ir/ (in Japanese)-2-

Reference Documents for the General Meeting of Shareholders
Proposal 1:

Amendment to Articles of Incorporation

1. Reason for Proposal
In order to strengthen the supervisory function of the Board of Directors and promote more advanced corporate
governance, while also enabling the flexible operation of meetings of the Board of Directors, Article 23 of theexisting Articles of Incorporation (Convener and Chairmanship of Meeting of the Board of Directors) will bechanged.
Specifically, the convener and chairperson of meetings of the Board of Directors will be changed from theDirector and President to a Director determined in advance by the Board of Directors, with a view to changing
it to an outside Director.
2. Details of Changes
The details of the changes are as follows.
(Changes are indicated by an underline)
Proposed changes
Chapter IV
Directors and Board of Directors

Current Articles of Incorporation
Chapter IV
Directors and Board of Directors

Article 23
Article 23(Convener and Chairmanship of Meeting of the Board of(Convener and Chairmanship of Meeting of the Board ofDirectors)
Directors)(1) Unless otherwise provided for by laws and regulations, the (1) Unless otherwise provided for by laws and regulations, aDirector and President shall convene meetings of theDirector determined in advance by the Board of Directors
Board of Directors and chair the meetings.
shall convene meetings of the Board of Directors and chairthe meetings.
(2) In cases where the Director determined in advance by the(2) In cases where the Director and President is preventedfrom so acting, another Director who is designated in
Board of Directors is prevented from so acting, anotheraccordance with an order of priority determined in
Director who is designated in accordance with an order ofadvance by the Board of Directors shall convene meetingspriority determined in advance by the Board of Directorsof the Board of Directors and chair the meetings.
shall convene meetings of the Board of Directors and chairthe meetings.
(3) The provisions of the above two paragraphs(3) The provisions of the above two paragraphsnotwithstanding, an Audit and Supervisory Committee
notwithstanding, an Audit and Supervisory Committee
Member elected by the Audit and Supervisory Committee
Member elected by the Audit and Supervisory Committee
may convene a meeting of the Board of Directors.
may convene a meeting of the Board of Directors.

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Proposal 2:

Election of Three (3) Directors who are not Audit and Supervisory Committee Members

The terms of office of three (3) Directors (excluding Directors who are Audit and Supervisory Committee Members;
the same applies hereinafter in this proposal) will expire at the conclusion of this Ordinary General Meeting ofShareholders. Therefore, the Company proposes the election of three (3) Directors.
Please note that when selecting the candidates for Directors, appropriate procedures, such as deliberation by theoptional Nomination and Compensation Committee (a majority of which is outside Directors) have been performed.
Considering their execution of duties in the fiscal year under review, the Audit and Supervisory Committee judgesthat the candidates are suitable for the position of Director at the Company.
The candidates for Directors are as follows:

No.

Current position and responsibilities
at the CompanyName1Shuji Tsuemura(Male)For reelection

2Koichi Nakada(Male)For reelection

3Yuji Kakuchi(Male)For reelection

No.

Name(Date of Birth)

Director and President(Representative Director)
Director, Senior Executive Officer(Representative Director)
Director, Senior Executive Officer

Career summary, positions and responsibilities at the Company
Apr. 1985
Jun. 2008

1

Attendance at Board ofDirectors meetings for fiscal2023
100%(11/11)
100%(11/11)
100%(11/11)
Number of theCompany’s shares
ownedJoined The Hokkoku Bank, Ltd.
Executive Officer, General Manager of General
Planning Department and System DepartmentJun. 2009
Director and Executive Officer, General
Manager of General Planning Department andOperations Department
Jun. 2010
Managing Director and Executive Officer,
General Manager of General Planning
Department and Operations Department
Shuji Tsuemura
Apr. 2011
Managing Director and Executive Officer,(July 6, 1961)
General Manager of General Planning
10,990(Male)
Department
For reelection
Apr. 2013
Managing Director and Executive Officer
Jun. 2013
Senior Managing Director (RepresentativeDirector)
Jun. 2020
President (Representative Director) (presentposition)
Oct. 2021
President (Representative Director) of theCompany (present position)■ Significant concurrent positions outside the CompanyPresident (Representative Director), The Hokkoku Bank, Ltd.
■ Reason for nomination as candidate for Director
Mr. Shuji Tsuemura has long been involved in the field of corporate planning since joining The Hokkoku Bank, Ltd., aGroup company, and he has significantly contributed to improving corporate value by taking the lead crossorganizationally for core projects of the Company. He has vigorously promoted rebuilding business models andimplementing DX within bank operations, and he was appointed Director and President (Representative Director) inOctober 2021. He was nominated as a candidate for Director because the Company judges that he will be able to utilize
his many years of experience and knowledge to execute management of the Company accurately, fairly, and efficiently.
The Company expects that he will further strengthen the effectiveness of decision-making and auditing function of theBoard of Directors.

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Name(Date of Birth)

Career summary, positions and responsibilities at the Company
Apr. 1983
Apr. 2011

23Notes:Number of theCompany’s shares
ownedJoined The Hokkoku Bank, Ltd.
Executive Officer, General Manager ofKomatsu Area and Komatsu Branch ManagerJun. 2013
Director and Executive Officer, General
Manager of Komatsu Area and Komatsu
Branch ManagerApr. 2015
Director and Executive Officer, Tokyo BranchManagerApr. 2017
Director, General Manager of Management
Koichi Nakada
Administration Department and Legal Office(September 11, 1960)
Jun. 2017Managing Director, General Manager of4,341(Male)
Management Administration Department andFor reelection
Legal Office
Mar. 2021
Director, Senior Executive Officer
Oct. 2021
Director of the Company
Mar. 2023
Director (Representative Director)
Mar. 2024
Director, Senior Executive Officer(Representative Director) (present position)■ Significant concurrent positions outside the Company
Director and Audit & Supervisory Committee Member(Outside), KOMATSU WALL INDUSTRY CO., LTD.
■ Reason for nomination as candidate for Director
In addition to having served as the General Manager of multiple sales branches in key locations after joining The
Hokkoku Bank, Ltd., a Group company, Mr. Koichi Nakada has been involved in fields such as risk management,
financial strategy, and human resource development. He has both a wealth of business experience and wide-ranging,extensive knowledge of corporate management. He was appointed Director in October 2021. He was nominated as acandidate for Director because the Company judges that he will be able to execute management of the Company
accurately, fairly, and efficiently. The Company expects that he will further strengthen the effectiveness of decisionmaking and auditing function of the Board of Directors.
Apr. 1983
Joined The Hokkoku Bank, Ltd.
Apr. 2014
Executive Officer, General Manager of CapitalMarket Department and International
Department
Apr. 2017
Executive Officer, General Manager of CapitalMarket Department
Jun. 2017
Director, General Manager of Capital Market
Yuji Kakuchi
Department(July 15, 1960)
Jun. 2020
Managing Director, General Manager of5,741(Male)
Capital Market Department
For reelection
Mar. 2021
Director, Senior Executive OfficerOct. 2021
Director of the Company
Mar. 2024
Director, Senior Executive Officer (presentposition)■ Significant concurrent positions outside the Company
President and Representative Director, The Hokkoku General
Leasing Company Co., Ltd.
■ Reason for nomination as candidate for Director
Mr. Yuji Kakuchi has been mainly involved in the fields of financial strategy, overseas business, and market operations
since joining The Hokkoku Bank, Ltd., a Group company. He has a wealth of business experience and wide-ranging,extensive knowledge of corporate management. He was appointed Director in October 2021. He was nominated as acandidate for Director because the Company judges that he will be able to execute management of the Company
accurately, fairly, and efficiently. The Company expects that he will further strengthen the effectiveness of decisionmaking and auditing function of the Board of Directors.
1. There is no special interest between any of the candidates and the Company.
2. The Company has concluded a directors and officers liability insurance agreement provided for in Article 430-3, paragraph(1) of the Companies Act with an insurance company. Legal compensation for damages and litigation costs to be borne by-5-

an insured are covered by the insurance agreement. Each of the candidates for Directors is included as an insured in theinsurance agreement, and the Company intends to renew the agreement during their terms of office.

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Reference: Policy on Cross-Shareholdings
The Company’s policy is, as a rule, not to hold any cross-shareholdings of listed shares, and we have conducteddiscussions with all companies in which we hold shares, based on their surrounding environment and capital policies.
We made steady progress on reducing cross-shareholdings in fiscal 2023, achieving two years ahead of schedule ourtarget of halving the carrying amount of investments compared to the fiscal year ended March 31, 2022 by the endof March 2025.
Going forward, we will maintain our target of zero cross-shareholdings of listed shares and continue to deepen ourdialogue with companies in which we hold shares regarding their capital policies and corporate value enhancement.
In addition, when selling such shares, we will give consideration to the impacts on the market and so forth before
proceeding.

Status of reduction of listed cross-shareholdings
Number of stocks
FY2022
FY2023
YoY Change3724(13)Carrying amount balance(Billions of yen)
11.4
6.8(4.6)

Ratio of the fair value balance of listed cross-shareholdings to consolidated net assets: 9.3%-7-Reference: Specialization and Experience Required for Directors (Skill Matrix)(expected at conclusion of the Ordinary General Meeting of Shareholders)Specialization and experience
Name of Director

Directors
who are not
Audit andSupervisory
Committee
Members

Directors
who areAudit andSupervisory
Committee
Members

CorporateGovernance Financial andplanning/
ESG andand risk
capitalManagement
sustainability
management
strategy
strategy

Shuji
Tsuemura◎●

KoichiNakada●◎YujiKakuchi◎Marketing◎●Nobuhiro
Torigoe●

Taku
Oizumi

●

●
●

●

Naoko
NemotoSakon Uda●●

Fumihiko
Haga

●

●

Overseasbusiness

Investment
and fundmanagement

Marketoperations

●

◎●

◎●

◎◎

●

DigitalIT strategy

◎◎●

●

●

●

●

●
●

Human
resource
strategy◎●●●

Consulting

●

●
●

●
●

Kimie
●
●
●
Harada* Fields that the Company highly expects candidates for Directors who are not Audit and Supervisory Committee Members tocontribute to are marked with “◎.”* The above list does not represent all the knowledge and experience of each Director.

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The Company judges that a person to whom none of the following conditions applies satisfies the independence
criteria for outside Director.
In the event that none of the following conditions apply to an outside Director (including a candidate), the Company
judges that the outside Director is an independent outside Director.
1. A party who was a business executive at the Company or its subsidiaries, etc., in the past 10 years (*)
2. A party who has or is a business executive at a company that has the Company or its subsidiaries, etc., as a majorclient
A major client or party who is a business executive at a company that is a major client of the Company or its
subsidiaries, etc.
3. An attorney at law, certified public accountant, tax accountant or other consultant who receives monetary orother property benefits of ¥10 million or more annually from the Company or its subsidiaries, etc., separatelyfrom officers’ remuneration
4. A party who is involved in organizations that have received donations or subsidies of ¥10 million or more fromthe Company or its subsidiaries, etc.
5. A major shareholder holding 10% or more of the Company’s shares; or if said major shareholder is a corporation,business executive of said major shareholder, its parent company, or its significant subsidiary
6. A business executive of a company at which a business executive of the Company or its subsidiary, etc., is anofficer
7. A certified public accountant who belongs to an audit corporation that is an accounting auditor of the Company
or its subsidiaries, etc.
8. A party for whom any of the items 2 through 7 applies to in the past 3 years
9. Spouse or second-degree-or-closer relative of a party that any of the preceding items applies to
10. Notwithstanding the provisions of the preceding items, a party who is deemed to have other specific reasons that
may cause a permanent and substantial conflict of interest with general shareholders* Business executives includes executive directors, executive officers, and significant employees.

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