Financial Highlights
For the Second Quarter of FY 2021
(April 1, 2021 through September 30, 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(non-consolidated) -----------------------------------------------------------------

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 Bank, Ltd. and Consolidated Subsidiaries
Consolidated Balance Sheets(Millions of yen)March 31, 2021

September 30, 2021

Assets:Cash and due from banks

1,483,423

1,456,208

Call loans and bills bought

118,000

156,000

Monetary claims bought

3,096

2,913

Trading account securities

105－

Money held in trusts
Securities
Loans and bills discounted
Foreign exchanges

13,513
1,198,610
2,614,865
10,77813,563
1,231,088
2,597,872
10,211

Lease receivables and investment in leased assets

35,84635,278Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets

39,342
31,428
12,108
197

31,86931,338
12,225
210

17,345△54,148

17,764△57,180

5,524,513

5,539,364

Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets- 1 -(Millions of yen)March 31, 2021

September 30, 2021

3,969,004

4,095,658

Negotiable certificates of deposit

69,7077,500

Call money and bills sold718,694

658,720

Guarantee deposit received under securities lending transactions

230,366

220,902

Borrowed money

136,346

151,897

Foreign exchanges

20

20,00020,000145

145

45,63845,499773

798

13,04012,482

Reserve for directors’ retirement benefits
Reserve for management board incentive plan trust
Reserve for reimbursement of deposits

31460
172

26450
174

Reserve for loss on interest repayment

3328

Reserve for customer service points

324－

Deferred tax liabilities

14,681

13,927

Deferred tax liabilitiy arising from revaluation of land

1,473

1,466

Acceptances and guarantees

17,345

17,7645,238,244

5,247,442

Common stock

26,673

26,673

Capital surplus
Retained earnings

13,053
176,013△663

13,053
183,905△586

215,077

223,046

63,560△360,813－

2,272△2,4432,352△2,164

63,38561,001

7,806

7,874

286,269

291,9225,524,513

5,539,364

Liabilities:

Deposits

Bonds payable
Borrowed money from trust account
Other liabilities
Reserve for bonuses
Net defined benefit liability

Total liabilities
Net Assets:

Treasury stock
Total shareholders’ equity
Net unrealized gains on available-for-sale securities
Net deferred gains or losses on hedging instruments
Land revaluation surplus
Remeasurements of defined benefit plans
Total accumulated other comprehensive income
Non-controlling interests
Total net assets
Total liabilities and net assets- 2 -Consolidated Statements of Income(Millions of yen)
Six Months ended
September 30, 2020

Six Months ended
September 30, 2021

Ordinary income

42,45144,736

Interest income
Interest on loans and discounts

17,464
12,65818,017
12,118

4,578

5,545

0

0

Fees and commissions

5,026

5,061

Other operating income
Other income

8,371
11,5899,884
11,772

Ordinary expenses

33,401

28,918252

222

Interest on deposits

13059

Fees and commissions

1,760

1,850

Other operating expenses

6,584

5,928

General and administrative expenses
Other expenses

15,5539,250

15,647
5,269

Ordinary profit

9,049

15,817

1638

5246

Profit before income taxes

8,412

15,576

Income taxes
Current

3,228
3,964
△735

5,593
5,365

5,183

9,983

128

107

5,054

9,875

Interest and dividends on securities
Trust fees

Interest expense

Extraordinary income
Extraordinary losses

DeferredProfitProfit attributable to non-controlling interests
Profit attributable to owners of parent- 3 -227

Consolidated Statements of Comprehensive Income(Millions of yen)
Six Months Ended
September 30, 2020

Six Months Ended
September 30, 2021Profit

5,183

9,983

Other comprehensive income

23,792△2,498Net unrealized gains on available-for-sale securities
Net deferred gains or losses on hedging instruments
Remeasurements of defined benefit plans
Comprehensive income

Owners of the parent
Non-controlling interests- 4 -23,4660△2,782326

279

28,975

7,484

28,604
371

7,411
72

3

Financial Highlights (consolidated)
Consolidated Operating Results(Millions of yen)
Six Months ended
September 30,2020 (B)Six Months ended
September 30,2021 (A)Ordinary income

42,45144,7362,284Ordinary profit

9,049

15,817

6,768

Profits attributable to owners of parent

5,054

9,875

4,820

Earnings per share-basic(yen)180.88354.57173.69－－－Earnings per share-diluted(yen)(A)–(B)

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

(%)
March 31,2021 (B)September 30,2021 (A)5.0

Net assets(except for non-controlling interests) ratio

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

- 5 -

5.1

(A)–(B)
0.1

Soundness of Assets (non₋consolidated)
Disclosed Assets Based on the Financial Reconstruction Law (Before partial direct write-off)(Billions of yen)
September
30, 2020 (B)September
30, 2021(A)(A)–(B)

Bankrupt or De facto Bankrupt

1215

2

Doubtful

45

47

2Special Attention

220

Subtotal (C)

59

65

5

Normal assets

2,640

2,857

217

Total (D)

2,700

2,923

223

(C) / (D) (%)

2.22

2.24

0.02

Disclosed Assets Based on the Financial Reconstruction Law (After partial direct write-off)(Billions of yen)
September
30, 2020 (B)September
30, 2021(A)(A)–(B)

Bankrupt or De facto Bankrupt

11132

Doubtful

45

47

2Special Attention

220

Subtotal (C)

58

64

5

Normal assets

2,640

2,857

217

Total (D)

2,698

2,922

223

(C) / (D) (%)

2.17

2.21

0.04

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