Summary：February 3, 2016
Financial Results for the Third Quarter of Fiscal 2015 (Japanese GAAP)
Hokuhoku Financial Group, Inc.

Company Name:
Stock Code Number (Japan):
Stock Exchanges (Japan):
URL:
Address:
Representative:

8377
Tokyo Stock Exchange (First Section), Sapporo Securities Exchange
http://www.hokuhoku-fg.co.jp/
1-2-26 Tsutsumicho-dori, Toyama-city, Toyama Pref., 930-8637, Japan
Name:
Eishin Ihori
Title:
President & CEO
Established

Trading Accounts:

Amounts less than one million yen and one decimal place are rounded down.

1. Financial Highlights for the Third Quarter of Fiscal 2015 (for the nine months ended Dec. 31, 2015)(1) Consolidated Results of Operations(Accumulated Period)(%: Changes from corresponding period of previous fiscal year)

Ordinary Income¥

million145,178
146,131

3Q F2015
3Q F2014
Note:

Ordinary Profits

%
(0.7)
2.8

Net Income¥ million
36,01634,122

%
5.6
(3.4)

¥ million
23,27921,620%
7.7
13.6

Comprehensive income: 3Q F2015: ¥14,895 million [(70.2)%]; 3Q F2014: ¥49,958 million [73.6%]
Net Income

Diluted Net Income

per Share of Common Stockper Share of Common Stock

¥
16.77
15.53

3Q F2015
3Q F2014

¥
16.75
15.51

(2) Consolidated Financial Conditions
Total Assets

Total Net Assets¥ million
11,860,668
11,683,001

3Q F201
Fiscal 2014

Own Capital Ratio¥ million
580,670
572,987%
4.9
4.9

Reference: Own Capital: as of December 31, 2015: ¥578,966 million; as of March 31, 2015: ¥571,443 million
Note:
Own Capital Ratio was calculated as follows: (Total Net Assets－Stock Acquisition Rights－Non-controlling Interests)/ Total Assets×100

2. Cash Dividends for Shareholders of Common Stock
Cash Dividends for Share
(Record Date)

The end of 1st Qtr¥－－

Fiscal 2014
Fiscal 2015
Fiscal 2015
(forecast)
Note:

The end of 2ndQtr

The end of 3rdQtr

¥
－
－

¥
0.00
0.00

AnnualFiscal year-end

¥
4.25

¥
4.25

4.25

4.25

Revision of forecast for cash dividends for shareholders of common stock during this quarter: No

3. Earnings Estimates for Fiscal 2015 (for the fiscal year ending March 31, 2016)(%: Changes from corresponding period of previous fiscal year)
Ordinary Income¥
Fiscal 2015
Note:

million
190,000

Ordinary Profits

%
(2.0)

¥

million44,000

Revision of the earnings estimates during this quarter: No

Net Income

Net Income

%
(8.6)

¥ million
29,500per Share of Common Stock

%
4.5

¥
20.81

4. Others(1) Changes in Significant Subsidiaries during the Third Quarter: No(Note) Changes in specified subsidiaries accompanying changes in scope of consolidation during the Third Quarter(2) Adoption of Specified Accounting Methods for the Preparation of Quarterly Consolidated Financial Statements: Yes(3) Changes in Accounting Policies and Accounting Estimates / Restatements(a) Changes in accounting policies due to revisions of accounting standards, etc.: Yes(b) Changes in accounting policies other than (a) above: No(c) Changes in accounting estimates: No(d) Restatements: No(4) Issued Shares（Common Stock）(a) Number of Common Stock outstanding at
the end of fiscal year and the Third Quarter(including Treasury Stock)(b) Number of Treasury Stock at the end of
fiscal year and the Third Quarter(c) Average outstanding shares for the ninemonths ended

As of Dec. 31,
2015
As of Dec. 31,
2015
As of Dec. 31,
2015

1,351,630,146
11,599,618
1,339,947,560

As of March 31,
2015
As of March 31,
2015
As of Dec. 31,
2014

1,351,630,146
11,887,214
1,339,697,447

Notes for using forecasts information etc.
1. This quarterly earnings report is out of the scope of the external auditors’ review procedure which is required by“Financial Instruments and Exchange Act”. Therefore, the audit process of quarterly consolidated financial statement has
not been completed as of the disclosure of this quarterly earnings report.
2. The above estimates are based on information that is available at this moment and assumptions of factors that have an
influence on future results of operations. Actual results may differ materially from these estimates, depending on future
events.

5.Quarterly Consoidated Financial Statements(1) Consolidated Balance Sheet
Millions of yen

As of March 31, 2015
Assets

As of Dec. 31, 2015

資産の部

Cash and due from banks

現金預け金1,210,607

1,236,525

Call loans and bills bought

ｺｰﾙﾛｰﾝ及び買入手形

94,59958,950

Monetary claims bought

買入金銭債権72,52465,211

Trading assets

特定取引資産

4,508

4,816

Money held in trust

金銭の信託

7,947

8,073

Securities

有価証券

2,493,601

2,581,251

Loans and bills discounted

貸出金

7,546,819

7,632,369

Foreign exchanges

外国為替14,533

16,110

Other assets

その他資産

91,952110,017

Tangible fixed assets

有形固定資産101,878

100,829

Intangible fixed assets

無形固定資産28,076

24,907

Asset for retirement benefit

退職給付に係る資産

2,069

4,812

Deferred tax assets

繰延税金資産462

1,761

Customers' liabilities for acceptances and guarantees

支払承諾見返68,711

69,628

Allowance for loan losses

貸倒引当金(55,290)(54,597)

11,683,001

11,860,668

Total assets
Liabilities

資産の部合計
負債の部

Deposits

預金

10,140,400

10,276,098

Negotiable certificates of deposit

譲渡性預金487,347

460,190

Call money and bills sold

ｺｰﾙﾏﾈｰ及び売渡手形

58,454

53,167

Payables under repurchase agreements

債券貸借取引受入担保金

27,809163,054

Trading liabilities

特定取引負債

Borrowed money

借用金

1,184

1,043

125,680

99,142Foreign exchanges

外国為替

179

684

Bonds payable

社債

43,00043,000

Other liabilities

その他負債

126,322

85,278

Liability for retirement benefits

退職給付に係る負債

8,930

7,850

Provision for director's retirement benefits

役員退職慰労引当金

277

225

Reserve for contingent loss

偶発損失引当金

1,970

2,080

Reserve for reimbursement of deposits

睡眠預金払戻損失引当金

1,366

1,320

Deferred tax liabilities

繰延税金負債

12,313

11,204

Deferred tax liabilities for land revaluation

再評価に係る繰延税金負債

6,064

6,027

Acceptances and guarantees

支払承諾68,711

69,628

11,110,014

11,279,997

Total liabilities
Net assets

負債の部合計純資産の部

Capital stock

資本金70,89570,895

Capital surplus

資本剰余金148,197

148,211Retained earnings

利益剰余金242,701

258,400

Treasury stock

自己株式(1,514)(1,487)

Shareholders' equity

株主資本合計460,279

476,019

Valuation difference on available-for-sale securities

その他有価証券評価差額金

101,033

91,580

Deferred gains or losses on hedges

繰延ヘッジ損益(845)(1,427)

Revaluation reserve for land

土地再評価差額金

8,502

8,777

Defined retirement benefit plans

退職給付に係る調整累計額

2,473

4,016

Accumulated other comprehensive income

その他の包括利益累計額合計

111,164

102,947

Stock acquisition rights
Non-controlling interests

新株予約権
非支配株主持分

Total net assets

純資産の部合計Total liabilities and net assets

負債及び純資産の部合計

266

319

1,276

1,383

572,987

580,670

11,683,001

11,860,668

(2) Consolidated Statement of Income and Consolidated Statement of Comprehensive Income
For the nine months ended Dec. 31, 2015
【Consolidated Statement of Income 】
Millions of yen

Ordinary income
Interest income(Interest on loans and discounts)(Interest and dividends on securities)

Fees and commissions

For the nine months ended
Dec. 31, 2014

For the nine months ended
Dec. 31, 2015

経常収益

146,131

145,178

資金運用収益96,913

95,42476,85073,919(うち貸出金利息)(うち有価証券利息配当金)

役務取引等収益18,34819,52928,77929,364

Trading income

特定取引収益324

226

Other ordinary income

その他業務収益13,723

10,635

Other income
Ordinary expenses
Interest expenses(Interest on deposits)
Fees and commissions payments

その他経常収益

6,389

9,527

112,008

109,161

資金調達費用

5,548

5,271

(うち預金利息)

2,940

2,522

役務取引等費用

10,763

10,438

経常費用

Other ordinary expenses

その他業務費用

6,689

7,015

General and administrative expenses

営業経費

80,50175,456

その他経常費用

8,505

10,979Ordinary profits

経常利益

34,12236,016Extraordinary income

66

Other expenses

特別利益

96

Gain on disposal of fixed assets

固定資産処分益

124Gain on contribution of securities to retirement benefit trust

退職給付信託設定益

－

62

収用補償金

83

特別損失

640

－
916

Compensation for expropriation
Extraordinary loss
Loss on disposal of fixed assets

固定資産処分損50354

Impairment loss

減損損失

544

561

Loss on reduction of fixed assets

固定資産圧縮損

45－

33,57835,166
10,262

Income before income taxes and minority interests

税金等調整前四半期純利益

Income taxes-current

法人税、住民税及び事業税

7,565

Income taxes-deferred

法人税等調整額

4,314

1,519

Total income taxes

法人税等合計11,88011,782

21,697

23,384

Net income

四半期純利益Net income attributable to non-controlling interests

非支配株主に帰属する四半期純利益

77

105

Net income attributable to owners of the parent

親会社株主に帰属する四半期純利益

21,62023,279For the nine months ended
Dec. 31, 2014

For the nine months ended
Dec. 31, 2015

四半期純利益21,697

23,384

その他の包括利益

28,261(8,489)Valuation difference on available-for-sale securities

その他有価証券評価差額金

26,032(9,464)

Deferred gains or losses on hedges

繰延ヘッジ損益

(772)

(581)

Defined retirement benefit plans

退職給付に係る調整額

2,994

1,542

【Consolidated Statement of Comprehensive Income】
Millions of yen

Net income
Other comprehensive income

Investor's share in other comprehensive income of associates that are
accounted for using the equity method

Total comprehensive income

持分法適用会社に対する持分相当額
四半期包括利益7

1449,95814,895

Breakdown（内訳）

Comprehensive income attributable to owners of the parent

親会社株主に係る四半期包括利益

49,856

14,787

Comprehensive income attributable to non-controlling interests

非支配株主に係る四半期包括利益

101

107

Financial Highlights For the Third Quarter of Fiscal 2015
１．Income Analysis
FG 【consolidated】(Millions of yen)

Ordinary income
Ordinary profits
Net income attributable to owners ofparents

3rd Qtr ofChanges from3rd Qtr of

Fiscal Year 2014

Forecasts

FY 2015

3rd Qtr of

FY 2014

results

Full year(9 months)

FY 2014(9 months)(reference)

190,000
44,000145,178
36,016

(952)
1,893

146,131
34,122

193,936
48,14029,50023,2791,659

21,62028,235【Total of two banks】(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2015

3rd Qtr of

FY 2014

results

Full year(9 months)

FY 2014(9 months)(reference)

Ordinary income
175,000
Core gross business profits
141,700
Net interest income
Net fees and commisions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

92,200General and administrative expenses

Personnel
Non-personnel
Core net business profits
49,500Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
Total credit costs
4,000
Net gains (losses) related to stocks
Ordinary profits
44,500Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
30,500Fiscal Year 2014

133,862
106,906
90,838
14,613
146
1,307
779
526
68,08732,94130,781
38,819747(1,730)(1,626)(1,368)
361
(34)
(584)
(206)
(368)
(3,222)(130)(3,611)
1,596(2,805)

135,592
108,532
92,206
14,251
181
1,892
985
894
71,30933,072
34,39237,222
3,553

179,458
144,822
122,171
19,934
230
2,486
1,437
1,034
93,61543,92344,547
51,207
3,481

39,566(1,209)40,77554,6882,668
1,627
36,727(801)
35,926
11,432
1,574
24,493(2,809)(1,256)
2,412
(261)
2,150
210
(2,728)
1,940

5,478
2,883
34,315(539)
33,776
11,222
4,302
22,5536,050
3,451
47,140(1,184)45,95517,702
9,206
28,253Full year / 3rd Quarter≪Core net business profits≫≪Net income≫(Millions of yen)

60,00050,37948,253

51,20740,00036,623

34,83337,222

Forecasts【 Full year】(Millions of yen)

【49,500】

30,0003Q/Full year
78.4% 20,000
38,81920,00010,000

Forecasts

27,52728,253【 Full year】【30,500】

19,58622,553

3Q/Full year
80.3%
24,493

19,461
14,3800

0FY2012FY2013

FY2014FY2015FY2012FY2013

FY2014FY2015

【Non-Consolidated】 Hokuriku Bank・Core net business profits increased by JPY 1,145 million to JPY19,482 million compared with thecorresponding period of the previous fiscal year, mainly due to a decrease in general and administrative
expenses and a increase in net fees and commissions, despite of a decrease in net interest income.
・Ordinary profits increased by JPY3,463 million to JPY19,793 million, mainly due to a decrease in total credit
costs and a increase in net gains related to stocks, despite of a decrease in net gains related to bonds. Net
income increased by JPY3,102 million to JPY13,010 million.
(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2015

3rd Qtr of

FY 2014

results

Full year(9 months)

FY 2014(9 months)(reference)

Ordinary income
91,000Core gross business profits
76,000Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

49,500General and administrative expenses

Personnel
Non-personnel
Core net business profits
26,500Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
Total credit costs
1,000
Net gains (losses) related to stocks
Ordinary profits
25,500Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
17,000Fiscal Year 2014

68,97355,92047,140
7,803
146
830
660
169
36,43818,737
15,44019,482394(1,798)
(993)
(730)
246
(34)
(475)
(14)
(461)
(2,138)(326)(2,076)
1,145(3,072)70,771
56,91447,870
7,556
181
1,305
674
631
38,577
19,064
17,517
18,337
3,467

94,04776,52064,068
10,571
230
1,650
956
686
50,45925,244
22,49326,061
3,558

19,877(1,927)21,804

29,620605
1,614
19,793(594)
19,1986,187
285
13,010(2,340)
1,600
3,463
(68)
3,394
292
(4,260)
3,102

2,946
13
16,329(525)
15,803
5,895
4,546
9,908

1,764
139
24,526(1,100)23,425
8,745
6,997
14,680

Full year / 3rd Quarter≪Core net business profits≫≪Net income≫(Millions of yen)

40,000

Forecasts【 Full year】

31,416
26,46330,00020,00026,061

23,69018,986

18,337(Millions of yen)

Forecasts

20,000【 Full year】【17,000】

17,833
14,680【26,500】

12,315

3Q/Full year
73.5%
10,00019,482

10,00011,451

3Q/Full year
76.5%
13,010

9,908

6,124

0
FY2012FY2013

FY2014FY20150
FY2012FY2013

FY2014FY2015

【Non-consolidated】 Hokkaido Bank・Core net business profits increased by JPY 451 million to JPY19,336 million compared with thecorresponding period of the previous fiscal year, mainly due to a decrease in general and administrative
expenses and a increase in net fees and commissions, despite of a decrease in net interest income.
・Ordinary profits decreased by JPY1,051 million to JPY16,934 million, mainly due to a decrease in net gains
related to stocks, despite of a decrease in total credit costs. Net income decreased by JPY1,162 million to
JPY11,483 million.
(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2015

3rd Qtr of

FY 2014

results

Full year(9 months)

FY 2014(9 months)(reference)

Ordinary income
84,000Core gross business profits
65,700Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

42,700General and administrative expenses

Personnel
Non-personnel
Core net business profits
23,000Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
Total credit costs
3,000
Net gains (losses) related to stocks
Ordinary profits
19,000Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
13,500Fiscal Year 2014

64,88850,985
43,698
6,810
－
477
118
356
31,648
14,204
15,341
19,336
352

67
(632)
(637)
114
－
(108)
(191)
93
(1,083)
195(1,534)451
267

64,821
51,61744,336
6,695
－
586
310
263
32,732
14,00816,875
18,88585

85,41068,301
58,103
9,362
－
835
480
348
43,155
18,67822,05325,145(77)

19,689718

18,97025,0682,062
12
16,934(206)
16,728
5,245
1,288
11,483(469)(2,857)(1,051)(192)(1,244)(82)
1,532(1,162)

2,532
2,870
17,986(13)
17,972
5,327(243)
12,645

4,285
3,312
22,613(83)
22,5308,957
2,209
13,573Full year / 3rd Quarter≪Core net business profits≫≪Net income≫(Millions of yen)

Forecasts【 Full year】

30,00025,14521,78920,000

Forecasts(Millions of yen)

15,000【23,000】

9,693

3Q/Full year
84.0% 10,000

18,962
18,885

19,336

15,846
10,00013,573

7,270
8,256

8,009

FY2012FY2013

12,645【 Full year】【13,500】
3Q/Full year
85.0%
11,4835,000

12,93300
FY2012FY2013

FY2014FY2015FY2014FY2015

2. Loans and Deposits(1) Loans(Millions of yen)

As ofDec. 31,2015

Total of two banks
Loans to small and medium-sizedenterprises(“SMEs”) and individuals
Housing and consumer loans
Hokuriku bank
Loans to small and medium-sizedenterprises(“SMEs”) and individuals
Housing and consumer loans
Hokkaido bank
Loans to small and medium-sizedenterprises(“SMEs”) and individuals
Housing and consumer loans

As ofDec. 31, 2014

As of
Sep.30, 2015

(A)
7,648,503(C)=(A)-(B)(18,327)(C)/(B)(0.23%)(B)
7,666,830(reference)
7,519,296

4,861,295

63,9681.33%

4,797,326

4,765,789

2,159,833
4,409,817

20,126(20,063)

0.94%(0.45%)

2,139,707
4,429,880

2,158,650
4,332,963

2,922,451

54,6541.90%

2,867,797

2,860,823

1,173,202
3,238,686

10,029
1,736

0.86%
0.05%

1,163,172
3,236,949

1,176,384
3,186,333

1,938,844

9,314

0.48%

1,929,529

1,904,966

986,631

10,096

1.03%

976,535

982,266(2) Deposits and Investment products(Millions of yen)

As ofDec. 31,2015(A)(C)=(A)-(B)(C)/(B)

As of
Dec. 31, 2014

As of
Sep.30, 2015

(B)

(reference)

Total of two banks
Deposits*
Individual deposits*
Total individual assets
Individual deposits* (deposits in yen)
Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Hokuriku bank （Non-consolidated）
Deposits*
Individual deposits*
Total individual assets
Individual deposits* (deposits in yen)
Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Hokkaido bank （Non-consolidated）
Deposits*
Individual deposits*
Total individual assets
Individual deposits* (deposits in yen)
Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts*including NCD

10,762,024
7,252,449
7,864,267
7,229,438

109,11362,940(15,502)64,9521.02%
0.87%(0.19%)
0.90%

10,652,910
7,189,508
7,879,769
7,164,486

10,635,732
7,144,466
7,754,528
7,121,562

634,828(80,454)(11.24%)715,283

632,965

23,010242,392
369,425(2,012)(64,568)(13,873)(8.04%)(21.03%)(3.61%)

25,022306,961
383,299

22,903248,879
361,181

6,177,936
4,017,443
4,334,469
4,005,754

72,42155,875(11,261)
57,3731.18%
1.41%(0.25%)
1.45%

6,105,515
3,961,568
4,345,731
3,948,381

6,006,736
3,960,543
4,274,659
3,949,137

328,715(68,634)(17.27%)397,350

325,521

11,689119,151
197,874(1,498)(51,390)(15,746)(11.35%)(30.13%)(7.37%)

13,187
170,541
213,621

11,405
120,365
193,750

4,584,088
3,235,005
3,529,797
3,223,684

36,692
7,065(4,240)
7,579

0.80%
0.21%
(0.11%)
0.23%

4,547,395
3,227,940
3,534,038
3,216,105

4,628,995
3,183,922
3,479,868
3,172,424

306,113(11,819)(3.71%)

317,933

307,443

11,320123,241
171,550(514)(13,178)
1,872(4.34%)(9.66%)
1.10%

11,835
136,419
169,678

11,497
128,514
167,431

3. Non-Performing Loan (“NPL”) based on the Financial Reconstruction Law (the“FRL”)(Millions of yen)

Totalof two banks

Hokuriku bank（Non-consolidated）

Hokkaido bank（Non-consolidated）(Millions of yen)

As of Dec.31,2015

As of Dec.31,2014

As of Sep.30,2015

23,281

25,38925,566

126,788
21,893
171,963
7,853,955
2.18%

132,803
34,002
192,194
7,869,119
2.44%

126,704
23,990176,261
7,723,504
2.28%

16,80318,093

18,88370,236
12,43899,4784,488,529
2.21%

79,961
14,031
112,085
4,518,120
2.48%

70,115
13,950102,949
4,411,726
2.33%

6,478

7,296

6,683

56,551
9,455
72,4853,365,425
2.15%

52,842
19,97080,1083,350,998
2.39%

56,58810,03973,312
3,311,778
2.21%

As of Dec.31,2015

As of Dec.31,2014

As of Sep.30,2015

Capital adequacy ratio

10.74%

11.20%

10.89%

Capital adequacy ratio

10.24%

10.61%

10.31%

Capital adequacy ratio

10.20%

10.89%

10.45%

Bankrupt and substantiallybankrupt
Doubtful
Substandard
Non Performing Loan (A)Total (Ｂ)NPL ratio (A)/(B)
Bankrupt and substantiallybankrupt
Doubtful
Substandard
Non Performing Loan (A)Total (Ｂ)NPL ratio (A)/(B)
Bankrupt and substantiallybankrupt
Doubtful
Substandard
Non Performing Loan (A)Total (Ｂ)NPL ratio (A)/(B)

4. Capital Adequacy Ratio (Domestic Standard)FG(consolidated)
Hokuriku bank(non-consolidated)
Hokkaido bank(non-consolidated)

5. Valuation Difference on Securities(Millions of yen)

Marketvalue
Available-for-salesecurities
FG(consolidated)Japanese Stocks
Japanese Bonds
OthersAvailable-for-salesecurities
Total of two banks
Japanese Stocks
Japanese Bonds
OthersAvailable-for-salesecurities
Hokuriku bank
Japanese Stocks(non-consolidated)Japanese Bonds
OthersAvailable-for-salesecurities
Hokkaido bank
Japanese Stocks(non-consolidated)Japanese Bonds
Others

As of Dec.31,2015
Valuation difference
Gains

Losses(Millions of yen)

Marketvalue

As of Sep.30,2015
Valuation difference
Gains

Losses2,440,433

122,999

132,603

9,603

2,297,833

116,534

127,794

11,259219,871
1,671,987
548,575

88,80932,935
1,254

91,21733,370
8,014

2,407
435
6,760

207,905
1,682,081
407,847

78,28635,816
2,431

82,91536,085
8,792

4,629
269
6,361

2,443,462

128,520

137,0178,496

2,300,846

122,051

132,203

10,152219,280
1,677,093
547,088

95,524
33,129△133

96,90933,480
6,627

1,385
351
6,760

207,354
1,687,178
406,31485,04436,010996

88,56036,279
7,364

3,515
268
6,367

1,369,042

93,58995,941

2,352

1,311,409

90,56393,534

2,971

129,466
972,462
267,11364,701
26,054
2,833

65,29926,094
4,547

598
39
1,714

126,004
954,577
230,828

59,15028,124
3,288

60,61728,153
4,764

1,466
29
1,475

1,074,419

34,93041,075

6,144

989,437

31,487

38,6687,180

89,813704,630
279,975

30,823
7,074△2,966

31,609
7,386
2,079

786
311
5,045

81,350732,601
175,485

25,893
7,885△2,291

27,942
8,125
2,600

2,049
239
4,892

6. Net Gains and Losses on Securities(Millions of yen)

3rd Qtr of FY 2015

3rd Qtr of FY 2014

Fiscal Year 2014

(9 months)(9 months)

results(B)(reference)(A)

FG(consolidated)(A)-(B)
747
691
88
32
－
－
1,625
6,805
4,952
228

Net gains (losses) related to bonds

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation(2,805)(2,838)
43
32
－
(21)
(1,256)
2,872
3,944
185

3,553
3,529
44
－
－
21
2,881
3,933
1,008
43

3,481
3,674
65
14
－
243
3,432
4,598
1,131
33
(Millions of yen)

3rd Qtr of FY 2015

3rd Qtr of FY 2014

Fiscal Year 2014

(9 months)(9 months)

results(B)(reference)

(A)
747
691
88
32
－
－
1,627
6,807
4,952
228

Net gains (losses) related to bonds

Totalof two banks(A)-(B)

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation(2,805)(2,838)
43
32
－
(21)
(1,256)
2,873
3,945
185

3,553
3,529
44
－
－
21
2,883
3,933
1,006
42

3,481
3,674
65
14
－
243
3,451
4,592
1,106
34
(Millions of yen)

3rd Qtr of FY 2015

3rd Qtr of FY 2014

Fiscal Year 2014

(9 months)(9 months)

results(B)(reference)(A)

Hokuriku bank(Non-consolidated)(A)-(B)
394
399
－
4
－
－
1,614
2,247
415
217

Net gains (losses) related to bonds

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation(3,072)(3,068)
－
4
－
－
1,600
2,198
415
182

3,467
3,467
－
－
－
－
13
49
0
34

3,558
3,558
－
－
－
－
139
166
0
25
(Millions of yen)

3rd Qtr of FY 2015

3rd Qtr of FY 2014

Fiscal Year 2014

(9 months)(9 months)

results(B)(reference)(A)
Net gains (losses) related to bonds

Hokkaido bank(Non-consolidated)

Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
Net gains (losses) related to stocks and others

Gains on sales
Losses on sales
Losses on devaluation(A)-(B)
352
292
88
27
－
－
12
4,559
4,536
10

267
229
43
27
－
(21)
(2,857)
675
3,530
2

85
62
44
－
－
21
2,870
3,884
1,006
8

(77)
115
65
14
－
243
3,312
4,425
1,105
8