Financial Highlights
For the Year Ended March 31, 2022
(April 1, 2021 through March 31, 2022)

Table of Contents

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

1

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

3

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

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

5

Securities(consolidated) ------------------------------------------------------------------------------------

6

Soundness of Assets(non-consolidated) -----------------------------------------------------------------

7(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)March 31, 2022

Assets:Cash and due from banks
Call loans and bills bought

1,607,871
65,000

Monetary claims bought
Money held in trusts
Securities

3,052
13,5281,356,079

Loans and bills discounted
Foreign exchanges

2,585,262
11,138

Lease receivables and investment in leased assets
Other assets
Tangible fixed assets

35,19537,364
31,388Intangible fixed assets

9,949Deferred tax assets

265

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

17,986△61,849
5,712,233- 1 -(Millions of yen)March 31, 2022

Liabilities:

Deposits

4,257,200

Negotiable certificates of deposit
Call money and bills sold

1,000
618,824

Guarantee deposit received under securities lending transactions
Borrowed money
Foreign exchanges
Bonds payable
Borrowed money from trust account313,497
155,985
120,000
154

Other liabilities
Reserve for bonuses
Net defined benefit liability

53,752747
2,398

Reserve for management board incentive plan trust
Reserve for reimbursement of deposits

496
127

Reserve for loss on interest repayment

19

Deferred tax liabilities
Deferred tax liabilitiy arising from revaluation of land

4,368
1,412

Acceptances and guarantees

17,986

Total liabilities

5,447,975

Net Assets:

Common stock
Capital surplus

10,00029,727Retained earnings

182,357△3,124

Treasury shares
Total shareholders’ equity

218,960

Net unrealized gains on available-for-sale securities

36,652

Net deferred gains or losses on hedging instruments

115

Land revaluation surplus
Remeasurements of defined benefit plans
Total accumulated other comprehensive income

2,296△1,467

Non-controlling interests

37,597
7,701

Total net assets

264,258

Total liabilities and net assets

5,712,233- 2 -Consolidated Statements of Income(Millions of yen)
Year ended
March 31, 2022

Ordinary income

84,730Interest income

36,087

Interest on loans and discounts
Interest and dividends on securities
Trust fees

23,98911,3780Fees and commissions
Other operating income
Other income

9,487
17,55921,595

Ordinary expenses

65,563

Interest expense
Interest on deposits

494
109

Fees and commissions
Other operating expenses

3,578
13,799General and administrative expenses
Other expenses

31,03816,651

Ordinary profit

19,167Extraordinary income
Extraordinary losses

731
3,952

Income before income taxes

15,946

Income taxes

6,319

Current

5,723

Deferred

596

Profit9,626

Profit attributable to non-controlling interests

238

Profit attributable to owners of parent

9,387- 3 -Consolidated Statements of Comprehensive Income(Millions of yen)
Year ended
March 31, 2022

Profit9,626△25,934

Other comprehensive income

Net unrealized gains on available-for-sale securities
Net deferred gains or losses on hedging instruments
Remeasurements of defined benefit plans△27,030

Comprehensive income

119976△16,308

Owners of the parent△16,424

Non-controlling interests

116- 4 -Financial Highlights (consolidated)
Consolidated Operating Results(Millions of yen)
Year ended March
31, 2022
Ordinary income

84,730Ordinary profit

19,167

Profits attributable to owners of parent

9,387

Earnings per share-basic(yen)340.73

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

(%)
March 31, 2022
Net assets(except for non-controlling interests) ratio

4.4

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

16,500

Profits attributable to owners of parent

10,000Earnings per share-basic(yen)373.27- 5 -Securities (consolidated)
Unrealized gains and losses of available-for-sale securities (consolidated)(Billions of yen)March 31, 2021
Fair value
TotalAcquisition cost

Difference

gains

losses1,194

1,10292

103

11Stock170

7991

93

2Debt securities

701701011

Others

323

322

187

March 31, 2022
Fair value
Total

Acquisition cost

Difference

gains

losses

1,353

1,299

53

7925

Stock

1396773

1Debt securities

813

818

72
△505Others

400

413

△12518- 6 -Soundness of Assets (non₋consolidated)
Disclosed Assets Based on the Financial Reconstruction Law (Before partial direct write-off)(Billions of yen)March 31, 2021 (B)March 31, 2022 (A)Bankrupt or De facto Bankrupt

13174

Doubtful

4649

3Special Attention

297

Subtotal (C)6276Normal assets

2,705

2,633

14
△71Total (D)

2,767

2,710

△57(C) / (D) (%)

2.24

2.83

0.59(A)–(B)

Disclosed Assets Based on the Financial Reconstruction Law (After partial direct write-off)(Billions of yen)March 31, 2021 (B)March 31, 2022 (A)Bankrupt or De facto Bankrupt

12164Doubtful

4649

3Special Attention

297

Subtotal (C)6075

Normal assets

2,705

2,633

14
△71Total (D)

2,766

2,709

△57(C) / (D) (%)

2.20

2.79

0.59

- 7 -(A)–(B)