Financial Highlights
For the First Quarter of FY 2022
(April 1, 2022 through June 30, 2022)

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 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

June 30, 2022

1,607,871
65,0001,481,481
50,000

Monetary claims bought

3,052

3,231

Money held in trusts

13,52813,555

1,356,079
2,585,262

1,344,683
2,568,871

Foreign exchanges

11,13814,335

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

35,19537,364
31,38835,322
44,661
31,050Intangible fixed assets
Deferred tax assets

9,949
265

10,014
5,827

17,986△61,849

17,799△58,904

5,712,2335,561,930

Securities
Loans and bills discounted

Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets- 1 -(Millions of yen)March 31, 2022

June 30, 2022

Liabilities:

Deposits

4,257,200

4,417,057

1,000－

Call money and bills sold

618,824

407,355

Guarantee deposit received under securities lending transactions

313,497

298,639

Borrowed money

155,985

94,353Foreign exchanges

13

Bonds payable

20,00020,000Borrowed money from trust account
Other liabilities
Reserve for bonuses

15453,752747156
52,5105

Net defined benefit liability

2,398

2,123

496
127

410
123

Reserve for loss on interest repayment
Deferred tax liabilities

19
4,368

19
1,056

Deferred tax liabilitiy arising from revaluation of land

1,412

1,412

Acceptances and guarantees

17,986

17,7995,447,975

5,313,028

Common stock

10,00010,000Capital surplus

29,727

27,165Retained earnings

182,357

194,623

Treasury shares△3,124△1,210Total shareholders’ equity
Net unrealized gains on available-for-sale securities

218,960
36,652

Negotiable certificates of deposit

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

Total liabilities
Net Assets:

Net deferred gain 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 -

115

230,578
9,585
－

2,296
△1,467

2,296△1,31537,597

10,566

7,701

7,756

264,258

248,901

5,712,233

5,561,930

Consolidated Statements of Income(Millions of yen)Three months ended
June 30, 2022Ordinary income

34,723

Interest income
Interest on loans and discounts
Interest and dividends on securities

10,873
5,901
4,074

Trust fees
Fees and commissions
Other operating income

0
2,369
4,209

Other income

17,270Ordinary expenses

15,755Interest expense

397

Interest on deposits

23

Fees and commissions

915

Other operating expenses

6,308

General and administrative expenses
Other expenses

7,435
698

Ordinary profit

18,968Extraordinary income

33

Extraordinary losses

68

Profit before income taxes

18,932

Income taxes

5,238

Current

2,349

Deferred

2,888

Profit13,694

Profit attributable to non-controlling interests

83

Profit attributable to owners of parent

13,611- 3 -Consolidated Statements of Comprehensive Income(Millions of yen)Three months ended
June 30, 2022
Profit13,694△27,052

Other comprehensive income

Net unrealized gains on available-for-sale securities△27,088

Net deferred gains or losses on hedging instruments
Remeasurements of defined benefit plans△115

Comprehensive income

151△13,358

Owners of the parent△13,419

Non-controlling interests

61- 4 -Financial Highlights (consolidated)
Consolidated Operating Results(Millions of yen)Three months ended
June 30, 2022 (A)Ordinary income

34,723

Ordinary profit

18,968

Profit attributable to owners of parent

13,611

Earnings per share-basic(yen)508.95

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 (B)June 30, 2022 (A)

4.4

4.3

Net assets(except for non-controlling interests)ratio(A)–(B)△0.1

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

Projections for the year ending March 31, 2023(Millions of yen)Six months ending
September 30, 2021

Year ending
March 31, 2022

Ordinary profit

12,50016,500

Profit attributable to owners of parent

7,500

10,000Earnings per share-basic(yen)281.57375.42

Note: Revision of earnings forecasts from the latest announcement: No- 5 -Soundness of Assets (Hokkoku Bank)
Disclosed Assets Based on the Financial Reconstruction Law (Before partial direct write-off)(Billions of yen)
June 30, 2021 (B)June 30, 2022 (A)(A)–(B)

Bankrupt or De facto Bankrupt

1424

Doubtful45

3910△6Special Attention

296

Subtotal (C)

6374

11

Normal assets

2,736

2,846

109

Total (D)

2,800

2,920

120(C) / (D) (%)

2.26

2.54

0.28

Disclosed Assets Based on the Financial Reconstruction Law (After partial direct write-off)(Billions of yen)
June 30, 2021 (B)June 30, 2022 (A)Bankrupt or De facto Bankrupt

1323

Doubtful

45

39

10
△5Special Attention

296

Subtotal (C)627311

Normal assets

2,736

2,846

109

Total (D)

2,798

2,919

120(C) / (D) (%)

2.22

2.51

0.29

- 6 -(A)–(B)