Financial Highlights
For the Third Quarter of FY 2021
(April 1, 2021 through December 31, 2021)

Table of Contents

Consolidated Balance Sheets ------------------------------------------------------------------------------

1

Consolidated Statements of Income ----------------------------------------------------------------------

3

Consolidated Statements of Comprehensive Income --------------------------------------------------

4Financial Highlights(consolidated) -----------------------------------------------------------------------

5

Soundness of Assets(Hokkoku Bank) -----------------------------------------------------------------

6(Note)All numbers and ratios less down unit have been rounded down.
The amounts, ratios or any other information presented herein have not been audited.

The Hokkoku Financial Hordings,Inc. and Consolidated Subsidiaries
Consolidated Balance Sheets(Millions of yen)December 31, 2021
Assets:Cash and due from banks

1,328,365

Call loans and bills bought

191,000

Monetary claims bought

3,504

Trading account securities
Money held in trusts
Securities
Loans and bills discounted
Foreign exchanges

013,5881,353,373
2,586,926
12,219Lease receivables and investment in leased assets

35,191Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets

42,81330,94912,292221

Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets

18,195△60,390
5,568,251- 1 -(Millions of yen)
December 31, 2021
Liabilities:

Deposits
Negotiable certificates of deposit

4,168,333
5,800

Call money and bills sold

529,999

Guarantee deposit received under securities lending transactions
Borrowed money
Foreign exchanges
Bonds payable

328,036
155,442020,000

Borrowed money from trust account
Other liabilities

155
22,579Net defined benefit liability
Reserve for directors’ retirement benefits

12,202
29

Reserve for management board incentive plan trust

473

Reserve for reimbursement of deposits
Reserve for loss on interest repayment

17428

Deferred tax liabilities

14,902

Deferred tax liabilitiy arising from revaluation of land

1,441

Acceptances and guarantees

18,195

Total liabilities

5,277,795

Net Assets:

Common stock

10,000Capital surplus
Retained earnings
Treasury stock

29,727
181,368△1,713

Total shareholders’ equity
Net unrealized gains on available-for-sale securities

219,382
62,846

Land revaluation surplus
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Non-controlling interests

2,335△2,024

Total net assets

63,158
7,915
290,455

Total liabilities and net assets

5,568,251- 2 -Consolidated Statements of Income(Millions of yen)
Nine Months ended
December 31, 2021
Ordinary income

62,972

Interest income

27,140Interest on loans and discounts

18,149Interest and dividends on securities

8,449

Trust fees

0

Fees and commissions

7,339

Other operating income

13,857

Other income

14,633

Ordinary expenses

48,052

Interest expense

335

Interest on deposits
Fees and commissions

852,726

Other operating expenses

9,080

General and administrative expenses

23,399Other expenses

12,510Ordinary profit

14,919Extraordinary income

5

Extraordinary losses

456

Profit before income taxes

14,469

Income taxes
Current

5,851
5,681

Deferred169

Profit8,618

Profit attributable to non-controlling interests

179

Profit attributable to owners of parent

8,438- 3 -Consolidated Statements of Comprehensive Income(Millions of yen)
Nine Months Ended
December 31, 2021
Profit8,618

Other comprehensive income△356

Net unrealized gains on available-for-sale securities△779

Net deferred gains or losses on hedging instruments
Remeasurements of defined benefit plans

3419

Comprehensive income

8,261

Owners of the parent
Non-controlling interests

8,147
114

- 4 -Financial Highlights (consolidated)
Consolidated Operating Results(Millions of yen)
Nine Months ended
December 31,
2021
Ordinary income

62,972

Ordinary profit

14,919Profit attributable to owners of parent

8,438

Earnings per share-basic(yen)303.98

Earnings per share-diluted(yen)－Note: Earnings per share-diluted(yen) is not indicated as there is no amount of share-diluted.

(%)
December 31,
2021
Net assets(except for non-contralling interests) ratio

5.0

Note: Net assets ratio＝(Total Net Assets－Non-controlling Interests)／Total Assets

Projections for the year ending March 31, 2021
(Millions of yen)
Year ending March 31, 2022
Ordinary profit

13,000

Profits attributable to owners of parent

7,000

Earnings per share-basic(yen)256.75

Note: Revision of earnings forecasts from the latest annucement: No- 5 -Soundness of Assets (Hokkoku Bank)
Disclosed Assets Based on the Financial Reconstruction Law (Before partial direct write-off)(Billions of yen)
December 31,
2020 (B)

December 31,
2021 (A)(A)–(B)

Bankrupt or De facto Bankrupt

12163

Doubtful

4551

5Special Attention

220

Subtotal (C)

60

69

9

Normal assets

2,669

2,956

286

Total (D)

2,730

3,026

296(C) / (D) (%)

2.21

2.30

0.09

Disclosed Assets Based on the Financial Reconstruction Law (After partial direct write-off)(Billions of yen)
December 31,2020 (B)December 31,2021 (A)(A)–(B)

Bankrupt or De facto Bankrupt

11143

Doubtful

45

51

5

Special Attention

220

Subtotal (C)

59

68

9

Normal assets

2,669

2,956

286

Total (D)

2,729

3,025

296

(C) / (D) (%)

2.172.27

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