6XPPDU\᧶                              )HEUXDU\
)LQDQFLDO5HVXOWVIRUWKH7KLUG4XDUWHURI)LVFDO -DSDQHVH*$$3 +RNXKRNX)LQDQFLDO*URXS,QF

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

8377
Tokyo Stock Exchange (First Section),㻌 Sapporo Securities Exchange
https://www.hokuhoku-fg.co.jp/
1-2-26㻌 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.

)LQDQFLDO+LJKOLJKWVIRUWKH7KLUG4XDUWHURI)LVFDO IRUWKHQLQHPRQWKVHQGHG'HF (1) Consolidated Results of Operations(Accumulated Period) 
Ordinary Income

3Q F2019
3Q F2018
Note:(%: Changes from corresponding period of previous fiscal year)

Ordinary Profits¥ million
133,736
136,211

%
(1.8)
(0.7)

Net Income Attributable to Owners of the Parent¥ million
25,18924,509%2.8(18.4)¥ million
16,816
17,093%(1.6)(12.1)

Comprehensive income: 3Q F2019: ¥17,731 million [30.2%]; 3Q F2018: ¥13,623 million [(62.5)%]
Net Income

Diluted Net Income

per Share of Common Stockper Share of Common Stock¥122.07124.23

3Q F2019
3Q F2018¥
121.76123.96(2) Consolidated Financial Conditions
Total Assets

Total Net Assets¥ million
13,764,437
13,185,972

3Q F2019
Fiscal 2018

Own Capital Ratio¥ million
633,099
628,004%
4.6
4.7

Reference: Own Capital: as of December 31, 2019: ¥629,644 million; as of March 31, 2019: ¥624,753 million
Note:
Own Capital Ratio is calculated as follows: (Total Net Assets㸫Stock Acquisition Rights㸫Non-controlling Interests)/ Total Assets100

&DVK'LYLGHQGVIRU6KDUHKROGHUVRI&RPPRQ6WRFNCash Dividends for Share
(Record Date)

Fiscal 2018
Fiscal 2019
Fiscal 2019
(forecast)
Note:

The end of 1st Qtr

The end of 2ndQtr¥
㸫㸫

The end of 3rdQtr

¥
0.00
0.00

AnnualFiscal year-end

¥
㸫
㸫

¥
44.00

¥
44.00

40.00

40.00

Revision of forecast for cash dividends for shareholders of common stock during this quarter: No(DUQLQJV(VWLPDWHVIRU)LVFDO IRUWKHILVFDO\HDUHQGLQJ0DUFK (%: Changes from corresponding period of previous fiscal year)
Ordinary Profits

Fiscal 2019Note:¥ million
31,500%(10.8)

Revision of the earnings estimates during this quarter: No

Net Income

Net Income

Attributable to Owners of the Parent

per Share of Common Stock¥ million
19,500%(19.9)¥
137.052WKHUV
(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.: No(b) Changes in accounting policies other than (a) above: No(c) Changes in accounting estimates: No(d) Restatements: No(4) Issued Shares㸦Common Stock㸧(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,
2019
As of Dec. 31,
2019
As of Dec. 31,
2019

132,163,014
998,599
131,153,737

As of March 31,
2019
As of March 31,
2019
As of Dec. 31,
2018132,163,014
1,038,191
131,104,428(Implementation status of audit procedures)This report is not subject to audit procedures.
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.
(Reference)
Cash Dividends for Shareholders of Preferred Stock (Type 5)
Cash Dividends for Share
(Record Date)

Fiscal 2018
Fiscal 2019
Fiscal 2019
(forecast)

The end of 1stQtr¥
㸫㸫The end of 2ndQtr

¥
7.50
7.50

The end of 3rdQtr¥㸫㸫

Fiscal year-end

Annual

¥
7.50

¥
15.00

7.50

15.00

㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕

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

As of March 31, 2019
Assets

As of Dec. 31, 2019㈨⏘䛾㒊Cash and due from banks⌧㔠㡸䛡㔠

2,556,419

2,766,219

Call loans and bills bought䡶䡬䢕䢗䡬䢙ཬ䜃㈙ධᡭᙧ

80,21026,951

Monetary claims bought㈙ධ㔠㖹മᶒ

37,03030,049Trading assets≉ᐃྲྀᘬ㈨⏘

4,072

3,680

Money held in trust㔠㖹䛾ಙク

10,72315,854

Securities

᭷౯ドๆ

1,797,605

1,960,621

Loans and bills discounted㈚ฟ㔠8,344,137

8,608,083

Foreign exchanges

እᅜⅭ᭰

15,70620,198Other assets䛭䛾௚㈨⏘217,369

207,261

Tangible fixed assets

᭷ᙧᅛᐃ㈨⏘

99,177

97,794

Intangible fixed assets↓ᙧᅛᐃ㈨⏘

21,067

18,159Asset for retirement benefit㏥⫋⤥௜䛻ಀ䜛㈨⏘Deferred tax assets⧞ᘏ⛯㔠㈨⏘

Customers' liabilities for acceptances and guarantees

ᨭᡶᢎㅙぢ㏉

53,48362,655

Allowance for loan losses㈚ಽᘬᙜ㔠(52,903)(55,895)

13,185,972

13,764,437

Total assets
Liabilities㈨⏘ࡢ㒊ྜィ

398

896

1,474

1,903

㈇മࡢ㒊

Deposits

㡸㔠

11,296,634

11,565,711

Negotiable certificates of depositㆡΏᛶ㡸㔠

113,693

137,410Call money and bills sold䡶䡬䢕䢋䢄䡬ཬ䜃኎Ώᡭᙧ

27,214

94,286

Payables under repurchase agreements኎⌧ඛ຺ᐃPayables under repurchase agreements

മๆ㈚೉ྲྀᘬཷධᢸಖ㔠

Trading liabilities≉ᐃྲྀᘬ㈇മ

Borrowed money

೉⏝㔠

䠉

7,335

352,650

416,832544

427

612,665

746,919

Foreign exchanges

እᅜⅭ᭰

795

651

Borrowed money from trust account

ಙク຺ᐃ೉

䠉

㻠㻟㻝

Other liabilities䛭䛾௚㈇മ

64,69463,307

Liability for retirement benefits㏥⫋⤥௜䛻ಀ䜛㈇മ

6,994

6,117

Reserve for directors' retirement benefits

ᙺဨ㏥⫋៘ປᘬᙜ㔠

184

186

Reserve for contingent loss

അⓎᦆኻᘬᙜ㔠

1,089

1,033

2,244

2,087

Reserve for reimbursement of deposits╧╀㡸㔠ᡶᡠᦆኻᘬᙜ㔠Reserves under the special laws≉ูἲୖ䛾ᘬᙜ㔠

Deferred tax liabilities⧞ᘏ⛯㔠㈇മ

2

2

19,767

20,716

Deferred tax liabilities for land revaluation෌ホ౯䛻ಀ䜛⧞ᘏ⛯㔠㈇മ

5,309

5,225

Acceptances and guarantees

ᨭᡶᢎㅙ53,48362,655

12,557,968

13,131,338

Total liabilities
Net assets㈇മ䛾㒊ྜィ
⣧㈨⏘ࡢ㒊Capital stock㈨ᮏ㔠

70,89570,895

Capital surplus㈨ᮏ๫వ㔠144,622

144,636

Retained earnings฼┈๫వ㔠

316,329

325,852

Treasury stock⮬ᕫᰴᘧ(1,281)(6,603)

Total shareholders' equity

ᰴ୺㈨ᮏྜィ

530,565534,780

Valuation difference on available-for-sale securities䛭䛾௚᭷౯ドๆホ౯ᕪ㢠㔠

91,60891,463

Deferred gains or losses on hedges⧞ᘏ䝦䝑䝆ᦆ┈

(910)

(663)

Revaluation reserve for landᅵᆅ෌ホ౯ᕪ㢠㔠

8,354

8,266

Defined retirement benefit plans㏥⫋⤥௜䛻ಀ䜛ㄪᩚ⣼ィ㢠

(4,865)(4,201)

Accumulated other comprehensive income䛭䛾௚䛾ໟᣓ฼┈⣼ィ㢠ྜィ

94,187

94,864

Stock acquisition rights
Non-controlling interests㠀ᨭ㓄ᰴ୺ᣢศ

Total net assets⣧㈨⏘䛾㒊ྜィ

Total liabilities and net assets㈇മཬ䜃⣧㈨⏘䛾㒊ྜィ

᪂ᰴண⣙ᶒ

443

497

2,807

2,957

628,004

633,099

13,185,972

13,764,437㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕(2) Consolidated Statement of Income and Consolidated Statement of Comprehensive Income
For the nine months ended Dec. 31, 2019
䛆Consolidated Statement of Income 䛇Millions of yen

For the nine months ended
Dec. 31, 2018

For the nine months ended
Dec. 31, 2019⤒ᖖ཰┈

136,211

133,736

䚷㈨㔠㐠⏝཰┈85,37881,359(Interest on loans and discounts)䚷䚷䚷㻔䛖䛱㈚ฟ㔠฼ᜥ㻕

65,25863,270(Interest and dividends on securities)䚷䚷䚷㻔䛖䛱᭷౯ドๆ฼ᜥ㓄ᙜ㔠㻕

18,013

16,355

Ordinary income
Interest income㸫429,11528,344

Trust fees

䚷ಙクሗ㓘Fees and commissions䚷ᙺົྲྀᘬ➼཰┈

Trading income䚷≉ᐃྲྀᘬ཰┈829

840

Other ordinary income䚷䛭䛾௚ᴗົ཰┈13,475

16,793

Other income䚷䛭䛾௚⤒ᖖ཰┈Ordinary expenses
Interest expenses(Interest on deposits)

7,413

6,394

111,701

108,547

䚷㈨㔠ㄪ㐩㈝⏝

5,106

3,393

䚷䚷䚷㻔䛖䛱㡸㔠฼ᜥ㻕

983

820
11,529⤒ᖖ㈝⏝Fees and commissions payments㻌㻌ᙺົྲྀᘬ➼㈝⏝

11,829Other ordinary expenses㻌㻌䛭䛾௚ᴗົ㈝⏝12,2309,144

General and administrative expenses㻌㻌Ⴀᴗ⤒㈝

72,14871,319Other expenses㻌㻌䛭䛾௚⤒ᖖ㈝⏝10,386

13,161

Ordinary profits⤒ᖖ฼┈24,50925,189Extraordinary income

≉ู฼┈

99

273

䚷ᅛᐃ㈨⏘ฎศ┈

99

273

1,247

1,188
447

Gain on disposal of fixed assets
Extraordinary loss

≉ูᦆኻ

Loss on disposal of fixed assets䚷ᅛᐃ㈨⏘ฎศᦆ

338

Impairment loss

䚷ῶᦆᦆኻ

909

741

Income before income taxes⛯㔠➼ㄪᩚ๓ᅄ༙ᮇ⣧฼┈23,361

24,273

Income taxes-currentἲே⛯䚸ఫẸ⛯ཬ䜃஦ᴗ⛯

6,814

7,965

Income taxes-deferredἲே⛯➼ㄪᩚ㢠

(657)

(633)

Total income taxesἲே⛯➼ྜィ

6,156

7,331

Net incomeᅄ༙ᮇ⣧฼┈

17,205

16,942

Net income attributable to non-controlling interests㠀ᨭ㓄ᰴ୺䛻ᖐᒓ䛩䜛ᅄ༙ᮇ⣧฼┈

112

125

Net income attributable to owners of the parent

ぶ఍♫ᰴ୺䛻ᖐᒓ䛩䜛ᅄ༙ᮇ⣧฼┈17,093

16,816

For the nine months ended
Dec. 31, 2018

For the nine months ended
Dec. 31, 2019ᅄ༙ᮇ⣧฼┈

17,205

16,942䚷䛭䛾௚䛾ໟᣓ฼┈(3,581)

789

Valuation difference on available-for-sale securities䚷䚷䛭䛾௚᭷౯ドๆホ౯ᕪ㢠㔠

(4,191)(103)

Deferred gains or losses on hedges䚷䚷⧞ᘏ䝦䝑䝆ᦆ┈

83

247

Defined retirement benefit plans

䚷䚷㏥⫋⤥௜䛻ಀ䜛ㄪᩚ㢠

558

663

Share of other comprehensive income of associates accounted for using
equity method䚷䚷ᣢศἲ㐺⏝఍♫䛻ᑐ䛩䜛ᣢศ┦ᙜ㢠

䛆Consolidated Statement of Comprehensive Income䛇Millions of yen

Net income
Other comprehensive income

Total comprehensive incomeᅄ༙ᮇໟᣓ฼┈

(32)

(18)

13,623

17,731

Breakdown䠄ෆヂ䠅Comprehensive income attributable to owners of the parent䚷ぶ఍♫ᰴ୺䛻ಀ䜛ᅄ༙ᮇໟᣓ฼┈13,505

17,581

Comprehensive income attributable to non-controlling interests䚷㠀ᨭ㓄ᰴ୺䛻ಀ䜛ᅄ༙ᮇໟᣓ฼┈

118

150

㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕

Financial Highlights For the Third Quarter of Fiscal 2019
䠍䠊Income Analysis
FG 䛆Consolidated䛇

(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Fiscal Year 2018

Forecasts

FY 2019

3rd Qtr of

FY 2018

results

Full year(9 months)

FY 2018(9 months)(reference)

Ordinary income
Ordinary profits
Net income attributable to owners ofparents

31,500133,736
25,189(2,474)680

136,21124,509183,645
35,31819,50016,816(276)

17,09324,359

䛆Total of two banks䛇

(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2019

3rd Qtr of

FY 2018

results

Full year(9 months)

FY 2018(9 months)(reference)

Ordinary income
Core gross business profits
124,000
Net interest income
Net fees and commisions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

87,000General and administrative expenses

Personnel
Non-personnel
Core net business profits
37,000Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
Total credit costs
8,500
Net gains (losses) related to stocks
Ordinary profits
33,000Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
22,000Fiscal Year 2018

119,661
90,99478,53011,67355734
750
064,27930,57928,75026,714
5,266(3,503)(3,345)(2,817)
(598)
9
61
71
(1)
(848)
(1,062)90(2,496)
6,281

123,164
94,33981,34812,27145673
679
165,12831,641
28,66029,211(1,015)

165,759
125,741
108,146
16,58052
962
969
2
86,583
41,90638,49639,1572,138

31,981

3,784

28,196

41,296

7,212
1,264
25,600(900)
24,6996,756(546)
17,942

5,403
975
(74)
231
157
1,131
68
(974)

1,809
288
25,674(1,132)
24,542
5,625(614)
18,917

4,611
1,019
36,734(1,238)35,4968,887(307)
26,609Full year / 3rd Quarter
䍾Core net business profits䍿䍾Net income䍿(Millions of yen)㻠㻟㻘㻥㻤㻜㻌

㻠㻝㻘㻥㻥㻠㻌

㻠㻜㻘㻜㻜㻜

Forecasts
䛆 Full year䛇㻟㻥㻘㻝㻡㻣㻌

㻟㻡㻘㻤㻟㻣㻌
㻟㻜㻘㻠㻢㻟㻌

㻞㻥㻘㻞㻝㻝㻌

㻞㻜㻘㻜㻜㻜

(Millions of yen)㻟㻜㻘㻜㻜㻜

㻞㻢㻘㻢㻜㻥㻌

䛆㻟㻣㻘㻜㻜㻜䛇

㻞㻠㻘㻜㻟㻣㻌

3Q/Full year㻞㻜㻘㻜㻜㻜72.2%
㻞㻢㻘㻣㻝㻠㻌
㻝㻜㻘㻜㻜㻜

㻜

Forecasts㻞㻥㻘㻢㻣㻡㻌

䛆㻞㻞㻘㻜㻜㻜䛇 3Q/Full year㻞㻡㻘㻡㻢㻝㻌
㻞㻝㻘㻝㻤㻞㻌

䛆 Full year䛇
81.6%㻝㻤㻘㻥㻝㻣㻌

㻝㻣㻘㻥㻠㻞㻌

㻜㻲㼅㻞㻜㻝㻢

㻲㼅㻞㻜㻝㻣

㻲㼅㻞㻜㻝㻤

㻲㼅㻞㻜㻝㻥

㻲㼅㻞㻜㻝㻢

㻲㼅㻞㻜㻝㻣

㻲㼅㻞㻜㻝㻤

㻲㼅㻞㻜㻝㻥

㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕䛆Non-Consolidated䛇 Hokuriku Bank
䞉Core net business profits were JPY15,195 million, JPY1,665 million decrease compared to thecorresponding period of the previous fiscal year due to a decrease in net interest income.
䞉Ordinary profits decreased by JPY1,198 million to JPY15,153 million, mainly due to a decrease in total
credit costs.
䞉Accordingly,net income decreased by JPY1,582 million to JPY10,301 million.

(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2019

3rd Qtr of

FY 2018

results

Full year(9 months)

FY 2018(9 months)(reference)

Ordinary income
Core gross business profits
67,000Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

46,500General and administrative expenses

Personnel
Non-personnel
Core net business profits
20,500Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
Total credit costs
6,000
Net gains (losses) related to stocks
Ordinary profits
19,000Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
12,000Fiscal Year 2018

66,04649,65541,419
7,556
55
624
624
㸫
34,46017,155
14,68615,1953,770(1,612)(2,266)(2,432)
241
9
(85)
(85)
0
(600)
(690)
45
(1,665)
3,370

67,65951,921
43,851
7,314
45
710
710
(0)
35,06017,845
14,641
16,860399

90,23969,16958,207
9,954
52
955
955
(0)
46,477
23,578
19,62822,692
1,770

18,966

1,705

17,26024,462

5,687
934
15,153(824)
14,3294,028(521)
10,3014,420
604(1,198)155(1,042)540(317)(1,582)

1,267
329
16,352(979)
15,372
3,488(203)
11,8832,844
400
22,173(1,088)21,085
5,494
389
15,590

Full year / 3rd Quarter
䍾Core net business profits䍿䍾Net income䍿(Millions of yen)

Forecasts
䛆 Full year䛇㻟㻜㻘㻜㻜㻜
㻞㻠㻘㻣㻜㻤㻌

㻞㻟㻘㻣㻠㻟㻌

㻞㻞㻘㻢㻥㻞㻌

㻞㻜㻘㻜㻜㻜
㻝㻥㻘㻝㻣㻣㻌

㻝㻣㻘㻢㻡㻜㻌

㻝㻢㻘㻤㻢㻜㻌

㻝㻜㻘㻜㻜㻜

㻲㼅㻞㻜㻝㻣

㻲㼅㻞㻜㻝㻤

㻞㻜㻘㻜㻜㻜

3Q/Full year74.1%㻝㻜㻘㻜㻜㻜
㻝㻡㻘㻝㻥㻡㻌

㻲㼅㻞㻜㻝㻥

㻝㻤㻘㻣㻟㻞㻌
㻝㻡㻘㻣㻣㻞㻌

䛆㻞㻜㻘㻡㻜㻜䛇

㻜㻲㼅㻞㻜㻝㻢

(Millions of yen)㻝㻡㻘㻡㻥㻜㻌

Forecasts

䛆 Full year䛇㻝㻢㻘㻜㻢㻡㻌

䛆㻝㻞㻘㻜㻜㻜䛇 3Q/Full year㻝㻞㻘㻠㻝㻠㻌

㻝㻝㻘㻤㻤㻟㻌

85.8%
㻝㻜㻘㻟㻜㻝㻌

㻜㻲㼅㻞㻜㻝㻢

㻲㼅㻞㻜㻝㻣

㻲㼅㻞㻜㻝㻤

㻲㼅㻞㻜㻝㻥

㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕䛆Non-consolidated䛇 Hokkaido Bank
䞉Core net business profits were JPY11,518 million, JPY831 million decrease compared to the corresponding

period of the previous fiscal year mainly due to a decrease in net fees and commissions.
䞉Ordinary profits increased by JPY1,124 million to JPY10,446 million, mainly due to an increase in net gains
related to bonds.
䞉Accordingly,net income increased by JPY608 million to JPY7,641 million.
(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts

FY 2019

3rd Qtr of

FY 2018

results

Full year(9 months)

FY 2018(9 months)(reference)

Ordinary income
Core gross business profits
57,000Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

40,500General and administrative expenses

Personnel
Non-personnel
Core net business profits
16,500Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
Total credit costs
2,500
Net gains (losses) related to stocks
Ordinary profits
14,000Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
10,000

Full year / 3rd Quarter
䍾Core net business profits䍿㻞㻜㻘㻜㻜㻜

Forecasts㻝㻤㻘㻞㻡㻜㻌
㻝㻢㻘㻠㻢㻡㻌

(1,890)(1,078)
(385)
(840)
䠉
146
156
(1)
(247)
(371)
44
(831)
2,911

55,50542,41737,496
4,957
䠉
(36)
(30)
2
30,067
13,796
14,01912,350(1,415)75,51956,57149,938
6,626
䠉
6
14
3
40,10618,327
18,867
16,465367

13,015

2,079

10,935

16,833

1,524
329
10,446(76)
10,369
2,728
(24)
7,641

982
370
1,124
75
1,199
591
386
608

541
(40)
9,322
(152)
9,169
2,136
(410)
7,033

1,766
618
14,561(149)
14,411
3,392(696)
11,018

䛆 Full year䛇䛆㻝㻢㻘㻡㻜㻜䛇

(Millions of yen)㻝㻡㻘㻜㻜㻜

3Q/Full year
69.8% 㻝㻜㻘㻜㻜㻜㻝㻢㻘㻢㻡㻥㻌
㻝㻞㻘㻤㻝㻞㻌

㻝㻜㻘㻜㻜㻜

53,614
41,33837,111
4,117
䠉
109
125
0
29,81913,424
14,064
11,518
1,496

䍾Net income䍿(Millions of yen)㻝㻥㻘㻞㻣㻞㻌

Fiscal Year 2018㻝㻞㻘㻟㻡㻜㻌

Forecasts㻤㻘㻞㻢㻡㻌
㻥㻘㻠㻥㻢㻌

㻝㻝㻘㻡㻝㻤㻌

㻝㻝㻘㻜㻝㻤㻌

㻝㻜㻘㻥㻠㻟㻌

䛆 Full year䛇䛆㻝㻜㻘㻜㻜㻜䛇
3Q/Full year76.4%㻤㻘㻣㻢㻤㻌

㻡㻘㻜㻜㻜㻣㻘㻜㻟㻟㻌

㻣㻘㻢㻠㻝㻌

㻲㼅㻞㻜㻝㻤

㻲㼅㻞㻜㻝㻥

㻜㻜㻲㼅㻞㻜㻝㻢

㻲㼅㻞㻜㻝㻣

㻲㼅㻞㻜㻝㻤

㻲㼅㻞㻜㻝㻥

㻲㼅㻞㻜㻝㻢

㻲㼅㻞㻜㻝㻣

㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕

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

As ofDec. 31, 2018

As of
Sep.30, 2019

(C)/(B)
3.02%(B)
8,370,274(reference)
8,456,529

As ofDec. 31,2019Total 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(A)(C)=(A)-(B)8,623,152
252,878
5,415,326

140,040

2.65%

5,275,285

5,302,929

2,523,546

112,504

4.66%

2,411,041

2,491,989

4,896,948

213,529

4.55%

4,683,419

4,823,457

3,180,885

101,838

3.30%

3,079,047

3,122,864

1,312,465

68,9635.54%

1,243,501

1,291,511

3,726,204

39,3491.06%

3,686,854

3,633,071

Loans to small and medium-sizedenterprises(“SMEs”) and individuals

2,234,441

38,202

1.73%

2,196,238

2,180,065

Housing and consumer loans

1,211,080

43,5403.72%

1,167,539

1,200,478

Hokkaido bank(2) Deposits and Investment products(Millions of yen)

As ofDec. 31,2019

As ofDec. 31, 2018

As of
Sep.30, 2019(B)(reference)(A)(C)=(A)-(B)(C)/(B)

11,723,028
7,926,156
8,411,170

271,673
202,627
203,678

2.37%
2.62%
2.48%

11,451,355
7,723,528
8,207,492

11,429,807
7,736,651
8,227,548

7,903,755

204,400

2.65%

7,699,355

7,714,268

507,415(721)(0.14%)

508,137

513,279

22,400222,985
262,029(1,772)
2,038
(987)

(7.33%)
0.92%(0.37%)

24,173220,947
263,016

22,382
223,621267,2746,745,378
4,401,285
4,626,467

164,096
109,427
106,442

2.49%
2.54%
2.35%

6,581,282
4,291,858
4,520,024

6,597,291
4,308,242
4,532,099

4,388,482

111,051

2.59%

4,277,431

4,295,316

237,984(4,608)(1.89%)

242,592

236,783

12,80392,341(1,623)(4,145)(11.25%)(4.29%)

14,42696,487

12,92588,232

132,839

1,161

0.88%

131,678

135,625

Deposits*
Individual deposits*

4,977,649
3,524,870

107,576
93,199

2.20%
2.71%

4,870,072
3,431,670

4,832,515
3,428,409

Total individual assets
Individual deposits* (deposits in yen)

3,784,703
3,515,273

97,23593,349

2.63%
2.72%

3,687,468
3,421,923

3,695,448
3,418,952

269,430

3,886

1.46%

265,544276,496

9,597

(149)

(1.53%)

9,746

9,456

130,643
129,1896,183(2,148)

4.96%(1.63%)

124,459
131,338

135,389
131,649

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 䠄Non-consolidated䠅
Deposits*
Individual deposits*
Total individual assets
Individual deposits* (deposits in yen)
Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Hokkaido bank 䠄Non-consolidated䠅

Investment products(for individuals)
Foreign currency deposits
Public bonds
Investment trusts*including NCD
䛆Group Total 䠄Two banks and Hokuhoku Tokai Tokyo Securities Co.,Ltd. Combined䠅䛇As ofDec. 31,2019(A)

Total balance of investment products forindividuals
Total balance of investment products
for individuals䠄Total of two banks䠅
Investment products for individuals at
Hokuhoku Tokai Tokyo Securities Co.,Ltd.

(Millions of yen)

As ofDec. 31, 2018

As of
Sep.30, 2019(B)(reference)(C)=(A)-(B)(C)/(B)

588,837

13,4992.34%

575,337

589,134

507,415(721)(0.14%)

508,137

513,279

81,422

14,221

21.16%

67,20075,854㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕

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

Totalof two banks

Hokuriku bank䠄Non-consolidated䠅

Hokkaido bank䠄Non-consolidated䠅

(Millions of yen)

As of Dec.31,2019

As of Dec.31,2018

As of Sep.30,2019

15,142

15,996

16,100123,800
21,515
160,459
8,872,439
1.80%

117,961
17,934
151,892
8,617,341
1.76%

122,420
20,297
158,817
8,703,655
1.82%

9,966

10,516

11,10873,221
12,677
95,865
4,972,873
1.92%

68,142
10,18988,8494,756,236
1.86%

72,347
11,441
94,897
4,899,623
1.93%

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

5,176

5,479

4,991

50,5798,837
64,594
3,899,566
1.65%

49,818
7,744
63,0433,861,105
1.63%

50,072
8,855
63,9203,804,032
1.68%

As of Dec.31,2019

As of Dec.31,2018

As of Sep.30,2019

Capital adequacy ratio

9.07%

9.25%

9.29%

Capital adequacy ratio

8.83%

8.83%

8.92%

Capital adequacy ratio

8.57%

8.69%

8.98%

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㻌㻌㻌㻌㻌㻌

As of Dec.31,2019
Valuation difference
Gains

Losses(Millions of yen)

Marketvalue

As of Sep.30,2019
Valuation difference
Gains

Losses1,758,157

125,516

137,517

12,001

1,659,417

121,408

134,792

13,384

197,051
1,082,059
479,046

102,6438,886
13,986109,229
9,461
18,826

6,585
575
4,840

194,510
1,022,826
442,080

89,43912,981
18,987

99,11413,003
22,674

9,674
22
3,687

1,758,275

125,606

136,723

11,117

1,659,924

122,125

134,302

12,177

195,944
1,087,063
475,267

106,508
8,890
10,207112,210
9,465
15,048

5,701
575
4,840

193,418
1,027,832
438,673

93,557
12,987
15,580102,024
13,01019,267

8,467
22
3,687

1,210,818

99,179104,979

5,800

1,210,643

94,792102,232

7,439

147,550
798,925
264,343

81,501
7,444
10,23485,614
7,639
11,725

4,113
195
1,490

138,484
812,988259,170

70,753
10,656
13,38376,817
10,67014,744

6,064
13
1,361

547,456

26,426

31,743

5,317

449,280

27,332

32,0704,737

48,393
288,138
210,924

25,0071,446(26)

26,595
1,825
3,322

1,588
379
3,349

54,933214,844
179,50322,8042,331
2,197

25,207
2,339
4,523

2,403
8
2,326

㻴㼛㼗㼡㼔㼛㼗㼡㻌㻲㼕㼚㼍㼚㼏㼕㼍㼘㻌㻳㼞㼛㼡㼜㻘㻌㻵㼚㼏㻚㻌㻔㻤㻟㻣㻣㻕

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

3rd Qtr of FY 2019

3rd Qtr of FY 2018

Fiscal Year 2018

(9 months)(9 months)

results(B)(reference)(A)

FG(Consolidated)(A)-(B)
5,266
5,613
34
295
㸫
86
993
3,696
2,629
72

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

6,291
2,585
(25)
(3,319)㸫(411)
755(1,549)(2,312)
7(1,024)
3,028
59
3,614
㸫
498
238
5,245
4,942
64

2,128
5,776
280
3,879
㸫
49
793
6,430
5,559
77
(Millions of yen)

3rd Qtr of FY 2019

3rd Qtr of FY 2018

Fiscal Year 2018

(9 months)(9 months)

results(B)(reference)

(A)
5,266
5,613
34
295
㸫
86
1,264
3,881
2,544
72

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

6,281
2,576
(25)
(3,319)㸫(411)
975(1,415)(2,397)
6(1,015)
3,037
59
3,614
㸫
498
288
5,296
4,942
65

2,138
5,786
280
3,879
㸫
49
1,019
6,588
5,498
71
(Millions of yen)

3rd Qtr of FY 2019

3rd Qtr of FY 2018

Fiscal Year 2018

(9 months)(9 months)

results(B)(reference)(A)

Hokuriku bank(Non-consolidated)(A)-(B)
3,770
4,039
㸫
182
㸫
86
934
1,968
1,025
8

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

3,370
1,336
㸫
(2,120)
㸫
86
604
(150)
(746)
(9)

399
2,703
㸫
2,303
㸫
㸫
329
2,119
1,771
18

1,770
4,187
㸫
2,416
㸫
㸫
400
2,361
1,941
19
(Millions of yen)

3rd Qtr of FY 2019

3rd Qtr of FY 2018

Fiscal Year 2018

(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)
1,496
1,574
34
112
㸫
㸫
329
1,912
1,519
63

2,911
1,239
(25)
(1,198)㸫(498)
370(1,264)(1,651)16(1,415)
334
59
1,311
㸫
498
(40)
3,176
3,170
46

367
1,599
280
1,462
㸫
49
618
4,226
3,556
51