Summary：February 3, 2014

Financial Results for the Third Quarter of Fiscal 2013
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 2013 (for the nine months ended Dec. 31, 2013)(1) Consolidated Results of Operations(Accumulated Period)(%: Changes from corresponding period of previous fiscal year)

Ordinary Income¥

million142,187
152,096

3Q F2013
3Q F2012
Note:

Ordinary Profits

%
(6.5)
(3.1)

¥

Net Income

million35,316
20,155%75.2(20.5)¥

million19,02912,857

%
48.0
57.9

Comprehensive income: 3Q F2013: ¥28,784 million [ 81.5%]; 3Q F2012: ¥15,859 million [27.9%]
Net Income

Diluted Net Income

per Share of Common Stockper Share of Common Stock

¥
13.60
8.88

3Q F2013
3Q F2012

¥
13.59
8.88

(2) Consolidated Financial Conditions
Total Assets

Total Net Assets¥¥ million
11,252,084
10,979,231

3Q F2013
Fiscal 2012

Own Capital Ratio

%
4.5
4.4

million503,800
481,550

Reference: Own Capital: as of December 31, 2013: ¥502,418 million; as of March 31, 2013: ¥480,353 million
Note:
Own Capital Ratio was calculated as follows: (Total Net Assets-Stock Acquisition Rights-Minority Interests)/ Total Assets×100

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

The end of 1 Qtr

The end of 3rdQtr

The end of 2 Qtr¥－－

Fiscal 2012
Fiscal 2013
Fiscal 2013
(forecast)
Note:

nd

¥
0.00
0.00

AnnualFiscal year-end

¥
－
－

¥
3.75

¥
3.75

3.75

3.75

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

3. Earnings Estimates for Fiscal 2013 (for the fiscal year ending March 31, 2014)(%: Changes from corresponding period of previous fiscal year)
Ordinary Income¥
Fiscal 2013
Note:

Ordinary Profits

million%

188,000(5.6)¥

Net Income

Net Income

per Share of Common Stockmillion%¥ million%¥

42,50044.9

22,000

21.5

15.22

Revision of the earnings estimates during this quarter: Yes

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.: No(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,
2013
As of Dec. 31,
2013
As of Dec. 31,
2013

1,351,630,146
12,054,388
1,339,530,137

As of March
31, 2013
As of March
31, 2013
As of Dec. 31,
2012

1,351,630,146
12,266,448
1,356,565,980

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 Sheets
Millions of yen

As of March 31, 2013
Assets

As of Dec. 31, 2013

資産の部

Cash and due from banks

現金預け金553,744861,526

Call loans and bills bought

ｺｰﾙﾛｰﾝ及び買入手形

135,426

88,997

Monetary claims bought

買入金銭債権86,864

77,935

Trading assets

特定取引資産

7,228

5,542

Money held in trust

金銭の信託

4,000

7,938

Securities

有価証券

2,509,794

2,480,420

Loans and bills discounted

貸出金

7,387,934

7,429,419

Foreign exchanges

外国為替10,616

13,670

Other assets

その他資産

109,182

115,638

Tangible fixed assets

有形固定資産106,211103,162

Intangible fixed assets

無形固定資産38,09833,870

Deferred tax assets

繰延税金資産24,141

14,583Customers' liabilities for acceptances and guarantees

支払承諾見返79,72882,710Allowance for loan losses

貸倒引当金(73,742)(63,333)

10,979,231

11,252,084

Total assets
Liabilities

資産の部合計
負債の部

Deposits

預金9,818,196

9,978,098

Negotiable certificates of deposit

譲渡性預金

164,667

342,975

Call money and bills sold

ｺｰﾙﾏﾈｰ及び売渡手形

40,345

22,131

Trading liabilities

特定取引負債

2,052

1,534

Borrowed money

借用金252,551

151,461

Foreign exchanges

外国為替

123

572

Bonds payable

社債

33,00058,000

Other liabilities

その他負債

84,70389,537

Provision for retirement benefits

退職給付引当金

9,829

10,041

Provision for director's retirement benefits

役員退職慰労引当金

Reserve for contingent loss

偶発損失引当金

684

324

3,033

2,697

Reserve for reimbursement of deposits

睡眠預金払戻損失引当金

1,256

1,324

Deferred tax liabilities for land revaluation

再評価に係る繰延税金負債

7,506

6,873

Acceptances and guarantees

支払承諾

Total liabilities

負債の部合計Net assets

79,72882,71010,497,680

10,748,283

純資産の部

Capital stock

資本金70,89570,895

Capital surplus

資本剰余金148,197

148,193

Retained earnings

利益剰余金

201,138

214,690

Treasury stock

自己株式(1,547)(1,526)

Shareholders' equity

株主資本合計418,684

432,252

Valuation difference on available-for-sale securities

その他有価証券評価差額金

52,63061,834

Deferred gains or losses on hedges

繰延ヘッジ損益

(301)

147

Revaluation reserve for land

土地再評価差額金

9,340

8,184

Accumulated other comprehensive income

その他の包括利益累計額合計

61,66970,165

Stock acquisition rights
Minority interests

新株予約権

107

191

少数株主持分

1,089

1,190

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

481,550

503,800

10,979,231

11,252,084

(2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income
For the nine months ended Dec. 31, 2013
【Consolidated Statements of Income 】
Millions of yen

Ordinary income
Interest income

For the nine months ended
Dec. 31, 2012

For the nine months ended
Dec. 31, 2013

経常収益152,096

142,187

資金運用収益101,618

97,97380,195(Interest on loans and discounts)(うち貸出金利息)84,719(Interest and dividends on securities)(うち有価証券利息配当金)

15,433

16,302

27,901

27,433

Fees and commissions

役務取引等収益

Trading income

特定取引収益206

435

Other ordinary income

その他業務収益20,284

11,670

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

その他経常収益

2,084

4,674

131,941

106,871

資金調達費用

8,448

6,813

(うち預金利息)

5,849

4,003

役務取引等費用

10,37010,749

経常費用

Other ordinary expenses

その他業務費用

7,037

6,490

General and administrative expenses

営業経費

80,804

79,959その他経常費用

25,2792,859

Ordinary profits

経常利益

20,15535,316Extraordinary income

特別利益

-

5

Extraordinary loss

特別損失

254

2,190

Other expenses

Loss on disposal of fixed assets

固定資産処分損

123108

Impairment loss

減損損失

130

2,082

Income before income taxes and minority interests

税金等調整前四半期純利益

19,90133,131

Income taxes-current

法人税、住民税及び事業税

3,251

6,543

Income taxes-deferred

法人税等調整額

3,660

7,475

Total income taxes

法人税等合計6,911

14,019

Income before minority interests

少数株主損益調整前四半期純利益

12,98919,111

Minority interests in income

少数株主利益132

82

Net income

四半期純利益12,85719,029For the nine months ended
Dec. 31, 2012

For the nine months ended
Dec. 31, 2013

少数株主損益調整前四半期純利益

12,98919,111

その他の包括利益

2,869

9,673

(Valuation difference on available-for-sale securities)(その他有価証券評価差額金)

2,695

9,183

(Deferred gains or losses on hedges)(繰延ヘッジ損益)

191

448

(Investor's share in other comprehensive income of associatesthat are accounted for using the equity method)(持分法適用会社に対する持分相当額)

(17)

40

15,85928,784【Consolidated Statements of Comprehensive Income】
Millions of yen

Net income before adjusting minority interest
Other comprehensive income

Total comprehensive income
Breakdown

四半期包括利益（内訳）

The amount attributable to owners of the parent

親会社株主に係る四半期包括利益

15,72028,682

The amount attributable to minority interest

少数株主に係る四半期包括利益

139

102

Financial Highlights For the Third Quarter of Fiscal 2013
１．Income Analysis
FG 【consolidated】(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Fiscal Year 2012

Forecasts*

FY 2013

3rd Qtr of

FY 2012

results

Full year(9 months)

FY 2012(9 months)(reference)

188,000
42,50022,000Ordinary income
Ordinary profits
Net income

142,187
35,316
19,029(9,909)15,1606,172

152,096
20,155
12,857

199,136
29,332
18,105【Total of two banks】(Millions of yen)
3rd Qtr ofChanges from3rd Qtr of

Forecasts*

FY 2013

3rd Qtr of

FY 2012

results

Full year(9 months)

FY 2012(9 months)(reference)

Ordinary income
174,500
Core gross business profits
141,500
Net interest income
Net fees and commisions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives

95,000General and administrative expenses

Personnel
Non-personnel
46,500Core net business profits
Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
2,500
Total credit costs
Net gains (losses) related to stocks
42,000Ordinary profits
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
23,000*Forecasts are revised on February 3, 2014

Fiscal Year 2012

132,361
106,582
91,442
12,934
225
1,980
1,333
665
71,74833,362
34,92834,833
1,480(8,963)(2,767)(2,098)
(653)
103
(119)
325
(290)
(977)
(259)
(570)
(1,790)(7,915)

141,325
109,349
93,54013,587
121
2,100
1,007
955
72,72533,62235,49936,623
9,396

184,696
145,508
124,379
18,345
152
2,630
1,391
1,086
95,12944,69945,93550,3799,052

36,314(9,706)46,02059,431(513)
670
34,935(2,159)32,776
13,315
7,464
19,461(12,741)
10,084
13,511(1,912)
11,598
6,517
3,560
5,080

12,227(9,414)
21,424(246)
21,177
6,797
3,903
14,38017,041(8,567)30,007(600)
29,4069,820
6,334
19,586

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

60,00040,00056,772

Forecasts

55,71750,37942,32240,79536,62320,000【Full year】【46,500】

Forecasts【Full year】【23,000】(Millions of yen)

20,0003Q/Full year
74.9%
34,833
10,00019,686

19,586
16,692

15,826

3Q/Full year
84.6%
19,461

14,38010,2160

0
FY2010FY2011FY2012FY2013

FY2010FY2011FY2012FY2013

【Non-Consolidated】 Hokuriku Bank・Core net business profits were JPY18,986 million, JPY4,703 million decrease compared to thecorresponding period of the previous fiscal year mainly due to a decrease in net interest income and net fees
and commissions.
・Ordinary profits increased by JPY11,844 million to JPY20,744 million, due to a decrease in total credit
costs and an impovement in net gains(losses) related to stocks, although net gains(losses) related to bonds
decreased. Net income was JPY11,451million, JPY5,327million increase.

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

Forecasts*

FY 2013

3rd Qtr of

FY 2012

results

Full year(9 months)

FY 2012(9 months)(reference)

95,000Ordinary income
77,000Core gross business profits
Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives
51,000General and administrative expenses

Personnel
Non-personnel
26,000Core net business profits
Net gains (losses) related to bonds
Net business profits(before provision (reversal) ofgeneral allowance for loan losses)
Total credit costs(1,500)Net gains (losses) related to stocks
26,500Ordinary profits
Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
14,500*Forecasts are revised on February 3, 2014

Fiscal Year 2012

72,274
57,68149,813
6,630
225
1,011
900
110
38,694
19,306
17,597
18,986
1,430(7,408)(4,748)(3,012)(1,531)
103
(308)
270
(443)
(44)
(214)
240
(4,703)(4,437)

79,68262,42952,825
8,161
121
1,319
629
554
38,73819,521
17,357
23,6905,867

103,086
82,342
69,993
10,623
152
1,572
870
566
50,92525,93922,63831,416
5,472

20,416(9,140)29,55736,888(1,503)
176
20,744(2,061)
18,682
7,231
6,321
11,451(12,155)
8,492
11,844(1,863)
9,980
4,653
4,821
5,327

10,651(8,315)
8,900
(198)
8,701
2,577
1,500
6,124

9,384
(6,758)18,373(442)
17,9305,615
5,344
12,315Full year / 3rd Quarter≪Core net business profits≫≪Net income≫(Millions of yen)

40,000(Millions of yen)

34,66834,30031,41630,00020,000

Forecasts【Full year】

20,000【26,000】
25,97525,821

23,690

Forecasts【Full year】【14,500】
11,9183Q/Full year
73.0% 10,000
18,986

11,407

12,315

9,789

3Q/Full year
78.9%
11,451

7,833

10,0006,124

0FY2010FY2011FY2012FY20130
FY2010FY2011FY2012FY2013

【Non-consolidated】 Hokkaido Bank・Core net business profits were JPY15,846 million, JPY2,913 million increase compared to thecorresponding period of the previous fiscal mainly due to a increase in net interest income and net fees andcommissions and a decrease in G&A expenses.
・Ordinary profits increased by JPY1,667 million to JPY14,191 million, due to a decrease in total credit
costs and an impovement net gains(losses) related to stocks, although net gains(losses) related to bonds
decreased. Net income was JPY8,009million, JPY246million decrease due to a increase in tax expenses.

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

Forecasts*

FY 2013

3rd Qtr of

FY 2012

results

Full year(9 months)

FY 2012(9 months)(reference)

79,500Ordinary income
64,500Core gross business profits
Net interest income
Net fees and commissions
Net trading income
Net other income
Gains on foreign exchange transactions
Net income on derivatives
44,000General 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
4,000
Net gains (losses) related to stocks
Ordinary profits
15,500Net extraordinary gains (losses)
Income before income taxes
Income taxes
Income taxes deferred
Net income
8,500*Forecasts are revised on February 3, 2014

Fiscal Year 2012

60,086
48,90041,628
6,303
－
968
432
554
33,053
14,056
17,331
15,84650(1,555)
1,980
914
878
－
188
54
153
(932)
(44)
(810)
2,913
(3,478)61,642
46,92040,714
5,425
－
780
378
400
33,986
14,10018,142
12,933
3,528

81,60963,16654,386
7,722
－
1,057
520
519
44,204
18,76023,296
18,962
3,580

15,897(565)

16,462

22,542990
493
14,191(97)
14,093
6,083
1,142
8,009

(585)
1,592
1,667
(49)
1,617
1,864
(1,260)
(246)

1,576
(1,098)12,524(48)
12,475
4,219
2,402
8,256

7,656
(1,808)
11,634(158)
11,476
4,205
989
7,270

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

Forecasts(Millions of yen)

30,00022,103

21,41620,00016,346
10,00014,973

Forecasts【Full year】
18,962【Full year】【8,500】10,000
7,767

7,270

【20,500】

8,256

3Q/Full yaer
77.2% 5,000
15,846

3Q/Full year
94.2%
8,009

5,284
6,037

12,9332,382
00FY2010FY2011FY2012FY2013

FY2010FY2011FY2012FY2013

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

As ofDec. 31,2013

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, 2012

As of
Sep.30, 2013

(A)
7,442,820(C)=(A)-(B)(13,953)(C)/(B)(0.18%)(B)
7,456,773(reference)
7,369,647

4,677,531(44,413)(0.94%)

4,721,945

4,612,331

2,099,077
4,319,445

51,854(40,698)

2.53%(0.93%)

2,047,223
4,360,143

2,080,811
4,271,244

2,774,189(18,725)(0.67%)

2,792,914

2,726,616

1,138,894
3,123,374

51,424
26,745

4.72%
0.86%

1,087,470
3,096,629

1,128,929
3,098,402

1,903,342(25,688)(1.33%)

1,929,031

1,885,715

960,182

429

0.04%

959,753

951,881(2) Deposits and Investment products(Millions of yen)

As of
Dec.31,2013
(A)

As of
Dec.31, 2012

As of
Sep.30, 2013(B)

(reference)(C)=(A)-(B)(C)/(B)

10,343,943
7,105,383
7,731,819
7,076,448

421,068
145,256
179,264
144,815

4.24%
2.08%
2.37%
2.08%

9,922,874
6,960,126
7,552,554
6,931,633

10,089,463
6,949,700
7,562,562
6,921,035

655,370

34,4495.54%

620,921641,527

28,934290,291
336,143441
42,461(8,454)

1.54%
17.13%(2.45%)

28,493247,830
344,598

28,665271,181341,680

5,978,333
3,918,312
4,278,580
3,898,202

366,537
144,020
135,165
144,996

6.53%
3.81%
3.26%
3.86%

5,611,796
3,774,292
4,143,414
3,753,205

5,796,810
3,827,634
4,187,162
3,808,510

380,377(9,831)(2.51%)

390,208

378,651

20,109163,004
197,263

(976)
4,739
(13,594)(4.63%)
2.99%(6.44%)

21,086
158,265
210,857

19,123
156,028
203,499

4,365,610
3,187,070
3,453,238
3,178,245

54,531
1,236
44,098
(181)

1.26%
0.03%
1.29%
(0.00%)

4,311,078
3,185,834
3,409,140
3,178,427

4,292,652
3,122,065
3,375,399
3,112,524

274,99344,28019.19%

230,712262,875

8,825
127,287
138,880

1,418
37,722
5,139

19.14%
42.11%
3.84%

7,406
89,565
133,741

9,541
115,153
138,180

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

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

As of Dec.31,2012

As of Dec.31,2013

Totalof two banks

Hokuriku bank【Non-consolidated】

Hokkaido bank【Non-consolidated】

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)(Millions of yen)

As of Sep.30,2013

31,71850,92433,273

133,367
42,359207,4457,636,049
2.71%

145,676
52,429249,030
7,645,578
3.25%

140,747
42,051
216,072
7,567,683
2.85%

23,42441,082

24,97086,315
18,555
128,295
4,414,699
2.90%

96,80027,875
165,758
4,467,793
3.71%

89,936
19,296134,2034,374,637
3.06%

8,293

9,841

8,303

47,05223,803
79,1493,221,349
2.45%

48,87524,554
83,271
3,177,785
2.62%

50,81022,755
81,8693,193,046
2.56%

4. Capital Adequacy Ratio (Domestic Standard)
As of Sep.30,201312.04%
8.52%
11.95%
8.45%
11.08%
7.84%

As of Dec.31,2013
12.36%
8.48%
12.25%
8.36%
11.43%
7.85%

FG
Capital adequacy ratio(consolidated)
Tier1 ratio
Hokuriku bank
Capital adequacy ratio(non-consolidated)
Tier1 ratio
Hokkaido bank Capital adequacy ratio(non-consolidated)
Tier1 ratio

5. Valuation Difference on Securities(Millions of yen)

Marketvalue
Available-for-salesecurities
FG(consolidated)
StocksBonds
Other
Available-for-salesecurities
Total of two banks
StocksBonds
Other
Available-for-salesecurities
Hokuriku bank
Stocks(non-consolidated)
Bonds
Other
Available-for-salesecurities
Hokkaido bank
Stocks(non-consolidated)
Bonds
Other

As of Dec.31,2013
Valuation difference
Gains

Losses(Millions of yen)

Marketvalue

As of Sep.30,2013
Valuation difference
Gains

Losses2,378,991

86,928

92,1085,180

2,457,073

82,182

88,598

6,415

147,451
2,041,493
190,046

42,55036,598
7,778

45,73736,863
9,507

3,187
264
1,728

142,443
2,126,034
188,595

37,63938,806
5,736

41,76939,116
7,712

4,130
309
1,975

2,382,581

93,13096,2783,1482,460,892

88,63492,827

4,192

147,067
2,046,535
188,977

49,471
36,8496,809

50,626
37,114
8,538

1,154
264
1,728

142,075
2,131,079
187,738

44,58439,071
4,977

46,491
39,381
6,953

1,907
309
1,975

1,277,288

61,31862,555

1,236

1,349,515

60,04761,705

1,657

84,6291,064,620
128,038

29,627
27,693
3,998

30,59027,823
4,141

963
130
142

82,0491,139,332
128,132

26,73629,393
3,918

28,15229,500
4,051

1,416
107
133

1,105,292

31,81133,723

1,911

1,111,377

28,586

31,121

2,535

62,438981,91560,93919,844
9,156
2,811

20,036
9,290
4,396

191
134
1,585

60,025
991,746
59,605

17,8489,678
1,059

18,338
9,880
2,901

490
202
1,842

6. Net Gains and Losses on Securities(Millions of yen)(reference)
3rd Qtr of FY 2013

3rd Qtr of FY 2012

(9 months)(9 months)(A)

FG(consolidated)(A)-(B)
1,480
1,470
44
24
－
10
530
1,151
425
196

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

Fiscal Year 2012

(B)

(7,915)(8,400)
(41)
(503)
(32)
10
10,978875
225(10,328)

9,396
9,870
86
528
32
－
(10,448)275
199
10,525

9,052
9,891
107
528
－
417
(8,637)
393
205
8,824
(Millions of yen)(reference)
3rd Qtr of FY 2013

3rd Qtr of FY 2012

(9 months)(9 months)

(A)
1,480
1,470
44
24
－
10
670
1,151
293
188

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

Fiscal Year 2012

(B)

(7,915)(8,400)
(41)
(503)
(32)
10
10,084875
94(9,303)

9,396
9,870
86
528
32
－
(9,414)
276
199
9,491

9,052
9,891
107
528
－
417
(8,567)
393
205
8,754
(Millions of yen)(reference)
3rd Qtr of FY 2013

3rd Qtr of FY 2012

(9 months)(9 months)(A)

Hokuriku bank(Non-consolidated)(A)-(B)
1,430
1,436
－
5
－
－
176
198
0
20

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

Fiscal Year 2012

(B)
(4,437)(4,431)
－
5
－
－
8,492
85
(7)
(8,399)

5,867
5,867
－
－
－
－
(8,315)
112
8
8,420

5,472
5,879
－
－
－
407
(6,758)
137
10
6,885
(Millions of yen)(reference)
3rd Qtr of FY 2013

3rd Qtr of FY 2012

(9 months)(9 months)(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)
50
34
44
18
－
10
493
953
292
167

Fiscal Year 2012

(B)
(3,478)(3,969)
(41)
(509)
(32)
10
1,592
790
101
(903)

3,528
4,003
86
528
32
－
(1,098)
163
191
1,070

3,580
4,011
107
528
－
10
(1,808)255
195
1,869