Ended September30, 2008

Hokuhoku Financial Group, Inc. (8377)
SELECTED INTERIM FINANCIAL INFORMATION
For the Fiscal Year 2008
(Ended September30, 2008)
Hokuhoku Financial Group, Inc. (8377)
SELECTED INTERIM FINANCIAL INFORMATION
For the Fiscal Year 2008 (Ended September30, 2008)
Table of Contents
I.Interim Financial Highlights
中間決算ハイライト
1. Income Analysis
2. Loans and Deposits
3. Securities
4. Non-Performing Loan
5. Forecast
II.Financial Statements
財務諸表
Ⅲ.Summary of Interim Financial Results
中間決算の概要
1. Income Analysis
2. Average Balance of Use and Source of Funds
3. Interest Rate Spread
4. Net Business Profits
5. ROE ・ OHR ・ ROA
6. Net Gains and Losses on Securities
7. Valuation Difference on Securities
8. Capital Adequacy Ratio
Ⅳ.Loan Portfolio and Other
貸出金等の状況
1. Disclosed Claims under the Financial Reconstruction Law
2. Coverage on Disclosed Claims under the Financial Reconstruction Law
3. Risk-Monitored Loans
4. Allowance for Loan Losses
5. Coverage Ratio for Risk-Monitored Loans
6. Classification of Loans by Type of Industry
7. Housing and Consumer Loans
8. Loans to Small and Medium-sized Enterprises (“SMEs”) and Individuals
9. Deposits and Loans
…………………………
…………………………
…………………………
…………………………
…………………………
1
4
6
7
8
………………………… 9
………………………… 18
………………………… 21
………………………… 22
………………………… 23
………………………… 24
………………………… 26
…………………………
…………………………
…………………………
…………………………
27
28
29
30
………………………… 31
………………………… 34
Note
“FG” means Hokuhoku Financial Group, inc..
“Total of two banks” means aggregated figures of Hokuriku Bank and Hokkaido Bank.
This information contains forward-looking statements. Such forward-looking statements do not represent
any guarantee by management of future performance and contains risks and uncertainties. Please take note
that future performance may from forecasts due to changes in economic environment.
Hokuhoku Financial Group, Inc. (8377)
I . Interim Financial Highlights
1. Income Analysis
【FG(consolidated)】
For the six months ended
(Japanese)
(Billions of yen)
Sep.30, 2008
(A)
Sep.30, 2007
(A)-(B)
{(A)-(B)}/(B)
(B)
Ordinary income
経
常
収
益
123.8
(1.9)
(1.6%)
125.7
Ordinary profits
経
常
利
益
19.6
(13.0)
(40.1%)
32.7
Interim net income
中
益
37.5
21.0
128.0%
16.4
間
純
利
【Total of two banks + Hokugin Corp.】
For the six months ended
(Japanese)
Sep.30, 2008
(A)
収
Sep.30, 2007
(A)-(B)
{(A)-(B)}/(B)
(B)
Ordinary income
経
益
113.2
(0.4)
(0.4%)
113.6
Core gross business profits
コ ア 業 務 粗 利 益
87.5
(2.8)
(3.2%)
90.4
資
益
66.3
(1.5)
67.9
Net interest income
常
(Billions of yen)
金
利
Domestic
国
内
業
務
部
門
65.5
(2.1)
67.6
International
国
際
業
務
部
門
0.8
0.5
0.2
Net fees and commissions
役 務 取 引 等 利 益
13.3
(3.0)
16.4
Net trading income
特
益
0.9
0.5
0.3
Net other income (excluding gains (losses)
related to bonds)
そ の 他 業 務 利 益
(国債等債券損益除く)
6.9
1.2
5.6
費
(45.6)
(0.6)
(44.9)
General and administrative expenses
定
取
引
利
経
Personnel
人
件
費
(20.5)
(0.4)
(20.1)
Non-personnel
物
件
費
(22.4)
(0.3)
(22.1)
益
41.9
(3.5)
Core net business profits
コ
ア
業
Net gains (losses) related to bonds
国 債 等 債 券 関 係 損 益
(1.6)
(2.1)
0.5
Net business Profits (before reversal (provision)
of general allowance for loan losses)
Reversal (provision) of general allowance for
loan losses (1)
業
務
純
益
(一般貸倒引当金繰入前)
40.2
(5.7)
45.9
一 般 貸 倒 引 当 金 繰 入 (1)
(0.3)
2.6
(2.9)
Net business profits
業
務
純
益
39.9
(3.0)
43.0
Net non-recurring gains (losses)
臨
時
損
益
(19.8)
(8.8)
(11.0)
Credit related costs (2)
不 良 債 権 処 理 額 (2)
(15.2)
(5.3)
(9.8)
(Reference) Total credit costs (1)+(2)
( 参 考 ) 与 信 費 用 (1)+(2)
(15.6)
(2.7)
(12.8)
Net gains (losses) related to stocks
株
益
(3.5)
(2.4)
(1.1)
式
務
等
純
損
(7.8%)
45.4
Ordinary profits
経
常
利
益
20.0
(11.9)
Net extraordinary gains (losses)
特
別
損
益
(0.2)
2.5
(2.7)
Income taxes
法
人
税
等
18.6
31.6
(13.0)
Interim net income
中
益
38.5
22.2
間
純
1
利
(37.3%)
137.5%
32.0
16.2
Hokuhoku Financial Group, Inc. (8377)
【Hokuriku Bank + Hokugin Corp.】
For the six months ended
(Japanese)
Sep.30, 2008
(A)
収
Sep.30, 2007
(A)-(B)
{(A)-(B)}/(B)
(B)
Ordinary income
経
益
65.5
(1.5)
(2.3%)
67.0
Core gross business profits
コ ア 業 務 粗 利 益
50.0
(3.3)
(6.2%)
53.3
資
益
37.6
(0.9)
38.6
Net interest income
常
(Billions of yen)
金
利
Domestic
国
内
業
務
部
門
37.1
(1.6)
38.8
International
国
際
業
務
部
門
0.4
0.6
(0.1)
Net fees and commissions
役 務 取 引 等 利 益
8.2
(1.9)
10.1
Net trading income
特
益
0.9
0.5
0.3
Net other income (excluding gains (losses)
related to bonds)
そ の 他 業 務 利 益
(国債等債券損益除く)
3.2
(0.9)
4.2
費
(25.7)
(0.1)
(25.6)
General and administrative expenses
定
取
引
利
経
Personnel
人
件
費
(12.1)
(0.1)
(12.0)
Non-personnel
物
件
費
(12.2)
(0.0)
(12.2)
益
24.2
(3.4)
Core net business profits
コ
ア
業
Net gains (losses) related to bonds
国 債 等 債 券 関 係 損 益
(0.4)
(0.6)
0.1
Net business Profits (before reversal (provision)
of general allowance for loan losses)
Reversal (provision) of general allowance for
loan losses (1)
業
務
純
益
(一般貸倒引当金繰入前)
23.7
(4.0)
27.8
一 般 貸 倒 引 当 金 繰 入 (1)
0.7
4.3
(3.6)
Net business profits
業
務
純
益
24.5
0.2
24.2
Net non-recurring gains (losses)
臨
時
損
益
(14.2)
(8.9)
(5.3)
Credit related costs (2)
不 良 債 権 処 理 額 (2)
(10.7)
(5.4)
(5.2)
(Reference) Total credit costs (1)+(2)
( 参 考 ) 与 信 費 用 (1)+(2)
(10.0)
(1.1)
(8.8)
Net gains (losses) related to stocks
株
益
(3.3)
(3.1)
(0.2)
式
務
等
純
損
(12.4%)
27.7
Ordinary profits
経
常
利
益
10.2
(8.6)
Net extraordinary gains (losses)
特
別
損
益
(0.1)
1.7
(1.9)
Income taxes
法
人
税
等
20.6
28.3
(7.7)
Interim net income
中
益
30.7
21.4
間
純
2
利
(45.9%)
231.8%
18.9
9.2
Hokuhoku Financial Group, Inc. (8377)
【Hokkaido Bank】
For the six months ended
(Japanese)
Sep.30, 2008
(A)
収
Sep.30, 2007
(A)-(B)
{(A)-(B)}/(B)
(B)
Ordinary income
経
益
47.7
1.0
2.3%
46.6
Core gross business profits
コ ア 業 務 粗 利 益
37.5
0.4
1.2%
37.0
資
益
28.6
(0.6)
29.2
Net interest income
常
(Billions of yen)
金
利
Domestic
国
内
業
務
部
門
28.3
(0.5)
28.8
International
国
際
業
務
部
門
0.3
(0.0)
0.3
Net fees and commissions
役 務 取 引 等 利 益
5.1
(1.1)
6.2
Net trading income
特
Net other income (excluding gains (losses)
related to bonds)
そ の 他 業 務 利 益
(国債等債券損益除く)
General and administrative expenses
定
取
引
利
経
益
-
-
-
3.7
2.2
1.4
費
(19.8)
(0.5)
(19.2)
Personnel
人
件
費
(8.3)
(0.3)
(8.0)
Non-personnel
物
件
費
(10.1)
(0.2)
(9.9)
益
17.6
(0.1)
Core net business profits
コ
ア
業
Net gains (losses) related to bonds
国 債 等 債 券 関 係 損 益
(1.1)
(1.5)
0.3
Net business Profits (before reversal (provision)
of general allowance for loan losses)
Reversal (provision) of general allowance for
loan losses (1)
業
務
純
益
(一般貸倒引当金繰入前)
16.4
(1.6)
18.1
一 般 貸 倒 引 当 金 繰 入 (1)
(1.0)
(1.7)
0.6
Net business profits
業
務
純
益
15.4
(3.3)
18.7
Net non-recurring gains (losses)
臨
時
損
益
(5.6)
0.1
(5.7)
Credit related costs (2)
不 良 債 権 処 理 額 (2)
(4.5)
(0.0)
(4.6)
(Reference) Total credit costs (1)+(2)
( 参 考 ) 与 信 費 用 (1)+(2)
(5.6)
(1.6)
(3.9)
Net gains (losses) related to stocks
株
益
(0.2)
0.6
(0.8)
式
務
等
純
損
(0.7%)
17.7
Ordinary profits
経
常
利
益
9.8
(3.2)
Net extraordinary gains (losses)
特
別
損
益
(0.0)
0.7
(0.8)
Income taxes
法
人
税
等
(1.9)
3.3
(5.2)
Interim net income
中
益
7.7
0.8
間
純
3
利
(24.9%)
11.5%
13.0
6.9
Hokuhoku Financial Group, Inc. (8377)
2. Loans and Deposits
(1) Loans
【Total of two banks + Hokugin Corp.】
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
(A)-(B)
(A)-(C)
(B)
(C)
(1)
貸
金
7,006.3
108.6
111.3
6,897.6
6,895.0
Loans to small and medium-sized
enterprises(“SMEs”) and individuals
(2)
中 小 企 業 等 向 け 貸 出
4,977.0
(36.6)
(47.3)
5,013.7
5,024.4
Housing and consumer loans
(3)
個
ン
1,872.0
35.6
80.1
1,836.4
1,791.8
ン
1,749.7
37.4
87.1
1,712.2
1,662.5
Loans
住
Housing loans
Percentage of loans to SMEs and
individuals, to total loans
Percentage of housing and consumer
loans, to total loans
出
As of
As of
Mar.31, 2008 Sep.30, 2007
人
ロ
宅
系
ー
ロ
ー
(2)/(1)
中小企業等向け貸出比率
71.03%
(1.65%)
(1.84%)
72.68%
72.87%
(3)/(1)
個
26.71%
0.09%
0.73%
26.62%
25.98%
人
ロ
ー
ン
比
率
【Hokuriku bank + Hokugin Corp.】
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
(A)-(B)
(A)-(C)
(B)
(C)
(1)
貸
金
4,245.9
35.2
54.6
4,210.7
4,191.3
Loans to small and medium-sized
enterprises(“SMEs”) and individuals
(2)
中 小 企 業 等 向 け 貸 出
2,969.9
(41.1)
(62.3)
3,011.0
3,032.3
Housing and consumer loans
(3)
個
ン
954.2
31.9
63.7
922.3
890.4
ン
882.6
33.2
69.8
849.4
812.8
Loans
住
Housing loans
Percentage of loans to SMEs and
individuals, to total loans
Percentage of housing and consumer
loans, to total loans
出
As of
As of
Mar.31, 2008 Sep.30, 2007
人
ロ
宅
系
ー
ロ
ー
(2)/(1)
中小企業等向け貸出比率
69.94%
(1.56%)
(2.40%)
71.50%
72.34%
(3)/(1)
個
22.47%
0.57%
1.23%
21.90%
21.24%
人
ロ
ー
ン
比
率
【Hokkaido bank】
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
(A)-(B)
(A)-(C)
(B)
(C)
(1)
貸
金
2,760.3
73.4
56.6
2,686.8
2,703.6
Loans to small and medium-sized
enterprises(“SMEs”) and individuals
(2)
中 小 企 業 等 向 け 貸 出
2,007.1
4.4
15.0
2,002.7
1,992.1
Housing and consumer loans
(3)
個
ン
917.7
3.6
16.3
914.1
901.4
ン
867.0
4.2
17.3
862.8
849.7
Loans
住
Housing loans
Percentage of loans to SMEs and
individuals, to total loans
Percentage of housing and consumer
loans, to total loans
出
As of
As of
Mar.31, 2008 Sep.30, 2007
人
ロ
宅
系
ー
ロ
ー
(2)/(1)
中小企業等向け貸出比率
72.71%
(1.82%)
(0.97%)
74.53%
73.68%
(3)/(1)
個
33.24%
(0.78%)
(0.09%)
34.02%
33.33%
人
ロ
ー
4
ン
比
率
Hokuhoku Financial Group, Inc. (8377)
(2) Deposits and Investment products
【Total of two banks】
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
預
Deposits
Individual deposits
Total individual assets
Individual deposits (deposits in yen)
Investment products
(2)
(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Percentage of investment products,
(2)/(1)
to total individual assets
(A)-(B)
(A)-(C)
(B)
(C)
金
8,551.8
144.3
112.7
8,407.4
8,439.0
預
金
6,048.4
125.3
232.2
5,923.0
5,816.1
人 預 か り
資 産
6,865.2
94.0
135.1
6,771.2
6,730.0
個 人 預 金 ( 円 貨 )
6,027.5
126.7
231.0
5,900.8
5,796.5
投 資 型 金 融 商 品
837.6
(32.7)
(95.9)
870.4
933.5
外
20.8
324.8
491.9
(1.3)
1.2
0.6
(6.1)
(31.9)
(90.9)
22.2
324.2
523.9
19.6
331.0
582.9
12.20%
(0.65%)
(1.67%)
12.85%
13.87%
個
(1)
As of
As of
Mar.31, 2008 Sep.30, 2007
個
人
貨
公
投
預
共
資
金
債
信
託
投 資 型 金 融 商 品 比 率
【Hokuriku bank】
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
預
Deposits
Individual deposits
Total individual assets
Individual deposits (deposits in yen)
Investment products
(2)
(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Percentage of investment products,
(2)/(1)
to total individual assets
(A)-(B)
(A)-(C)
(B)
(C)
金
4,962.6
53.4
41.3
4,909.1
4,921.3
預
金
3,388.0
59.4
122.9
3,328.5
3,265.0
人 預 か り
資 産
3,913.2
29.6
45.3
3,883.6
3,867.9
個 人 預 金 ( 円 貨 )
3,372.6
60.8
122.0
3,311.8
3,250.5
投 資 型 金 融 商 品
540.6
(31.2)
(76.6)
571.8
617.3
外
15.3
211.2
313.9
(1.4)
0.8
(4.2)
(15.0)
(25.5)
(62.5)
16.7
215.5
339.5
14.5
226.3
376.5
13.81%
(0.91%)
(2.15%)
14.72%
15.96%
個
(1)
As of
As of
Mar.31, 2008 Sep.30, 2007
個
人
貨
公
投
預
共
資
金
債
信
託
投 資 型 金 融 商 品 比 率
【Hokkaido bank】
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
預
Deposits
Individual deposits
Total individual assets
Individual deposits (deposits in yen)
Investment products
(2)
(for individuals)
Foreign currency deposits
Public bonds
Investment trusts
Percentage of investment products,
(2)/(1)
to total individual assets
(A)-(B)
(A)-(C)
(B)
(C)
金
3,589.1
90.8
71.4
3,498.3
3,517.7
預
金
2,660.4
65.9
109.3
2,594.4
2,551.0
人 預 か り
資 産
2,951.9
64.4
89.7
2,887.5
2,862.1
個 人 預 金 ( 円 貨 )
2,654.9
65.9
108.9
2,589.0
2,545.9
投 資 型 金 融 商 品
297.0
(1.5)
(19.2)
298.5
316.2
外
5.4
113.5
177.9
0.0
0.3
4.8
8.8
(6.3)
(28.4)
5.4
108.7
184.3
5.1
104.7
206.4
(0.98%)
10.33%
11.04%
個
(1)
As of
As of
Mar.31, 2008 Sep.30, 2007
個
人
貨
公
投
預
共
資
金
債
信
託
投 資 型 金 融 商 品 比 率
5
10.06%
(0.27%)
Hokuhoku Financial Group, Inc. (8377)
3. Securities
(1) Balance of securities
(Billions of yen)
Total of two banks
Hokuriku bank
(Japanese)
Securities
As of
Sep.30, 2008
As of
As of
Mar.31, 2008 Sep.30, 2008
Hokkaido bank
As of
As of
Mar.31, 2008 Sep.30, 2008
As of
Mar.31, 2008
(A)
(A)-(B)
(B)
(A)
(A)-(B)
(B)
(A)
(A)-(B)
(B)
1,745.8
31.0
1,714.8
833.7
12.8
820.9
912.0
18.2
893.8
債
726.4
26.7
699.7
273.9
21.5
252.4
452.5
5.2
447.3
債
229.7
12.7
216.9
123.2
1.1
122.0
106.4
11.5
94.9
有 価 証 券
Government bonds
国
Local government bonds
地
Corporate bonds
社
債
447.2
(3.6)
450.9
223.6
(8.0)
231.6
223.6
4.3
219.2
Japanese stocks
株
式
216.8
(1.5)
218.4
161.5
(1.9)
163.4
55.3
0.4
54.9
Foreign securities
外 国 証 券
82.8
(2.8)
85.7
41.1
(1.2)
42.3
41.7
(1.5)
43.3
Others
そ
42.6
(0.3)
43.0
10.3
1.3
8.9
32.3
(1.7)
34.0
方
の
他
(2) Valuation difference on available-for-sale securities
(Billions of yen)
Total of two banks
Hokuriku bank
(Japanese)
As of
Sep.30, 2008
(A)
Available-for-sale securities
そ の 他
有 価 証 券
(14.9)
As of
As of
Mar.31, 2008 Sep.30, 2008
(A)-(B)
(B)
(A)
Hokkaido bank
As of
As of
Mar.31, 2008 Sep.30, 2008
(A)-(B)
(B)
(A)
As of
Mar.31, 2008
(A)-(B)
(B)
(15.8)
0.9
(3.9)
(6.6)
2.7
(10.9)
(9.1)
(1.7)
1.0
22.6
8.4
0.4
8.0
15.2
0.6
14.5
Japanese stocks
株
式
23.7
Japanese bonds
債
券
(28.5)
(12.8)
(15.7)
(8.3)
(5.0)
(3.3)
(20.1)
(7.8)
(12.3)
Others
そ
他
(10.0)
(4.0)
(5.9)
(4.0)
(2.1)
(1.9)
(5.9)
(1.9)
(4.0)
の
6
Hokuhoku Financial Group, Inc. (8377)
4. Non-Performing Loan (“NPL”) based on the Financial Reconstruction Law (the“FRL”)
【Total of two banks + Hokugin Corp.】
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
(A)-(B)
(A)-(C)
68.1
4.4
13.6
63.6
54.4
権
144.4
(4.8)
(37.1)
149.3
181.6
権
40.7
(7.1)
(14.9)
47.8
55.6
小
計
(金融再生法開示債権)
253.1
(7.5)
(38.4)
260.7
291.6
権
7,010.2
121.8
145.6
6,888.3
6,864.5
信
計
)
7,263.3
114.2
107.2
7,149.0
7,156.1
比
率
(0.16%)
(0.59%)
Bankrupt and substantially bankrupt
破 産 更 生 債 権 等
Doubtful
危
Substandard
要
Non Performing Loan
(1)
Total
NPL ratio
険
管
正
Normal
As of
As of
Mar.31, 2008 Sep.30, 2007
債
理
債
常
(2)
合
(
総
(1)/(2)
開
示
債
与
債
権
3.48%
(B)
(C)
3.64%
【Hokuriku bank + Hokugin Corp.】
4.07%
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
As of
As of
Mar.31, 2008 Sep.30, 2007
(A - B)
(A - C )
(B)
(C)
Bankrupt and substantially bankrupt
破 産 更 生 債 権 等
50.5
2.3
8.1
48.1
42.3
Doubtful
危
権
86.5
2.7
(18.1)
83.7
104.7
Substandard
要
権
22.7
(8.9)
(17.4)
31.6
40.1
小
計
(金融再生法開示債権)
159.7
(3.8)
(27.3)
163.5
187.1
権
4,271.8
40.4
73.9
4,231.3
4,197.8
信
計
)
4,431.5
36.5
46.5
4,394.9
4,384.9
比
率
(0.12%)
(0.66%)
Non Performing Loan
(1)
NPL ratio
管
正
Normal
Total
険
債
理
債
常
(2)
合
(
総
(1)/(2)
開
示
債
与
債
権
3.60%
3.72%
【Hokkaido bank】
4.26%
(Billions of yen)
As of
Sep.30, 2008
(Japanese)
(A)
As of
As of
Mar.31, 2008 Sep.30, 2007
(A)-(B)
(A)-(C)
(B)
(C)
Bankrupt and substantially bankrupt
破 産 更 生 債 権 等
17.6
2.0
5.4
15.5
12.1
Doubtful
危
権
57.9
(7.6)
(18.9)
65.5
76.9
Substandard
要
権
18.0
1.8
2.4
16.2
15.5
小
計
(金融再生法開示債権)
93.5
(3.7)
(11.0)
97.2
104.5
権
2,738.4
81.4
71.7
2,657.0
2,666.7
信
計
)
2,831.9
77.6
60.6
2,754.2
2,771.2
比
率
(0.23%)
(0.48%)
Non Performing Loan
(1)
NPL ratio
管
正
Normal
Total
険
債
理
債
常
(2)
合
(
総
(1)/(2)
開
示
債
与
債
権
7
3.29%
3.52%
3.77%
Hokuhoku Financial Group, Inc. (8377)
5. Forecast
(1) Earnings forecast
(Billions of yen)
【FG (consolidated)】
Forecast for FY 2008
Full year
(Japanese)
Interim results
Forecast
Change
from
FY 2007
Ordinary income
経
常
収
益
123.8
246.0 (15.2)
Ordinary profits
経
常
利
益
19.6
43.0 (23.3)
Net income
当 期 純 利 益
37.5
46.5
7.8
(Billions of yen)
【Total of two banks】
+ Hokugin Corp.
Forecast for FY 2008
Full year
(Japanese)
Interim results
Ordinary Income
経
常
収
益
113.2
Core gross business profits
コア業務粗利益
87.5
General and administrative
expenses
経
Core net business profits
コア業務純益
Total credit costs
与
信
費
Ordinary profits
経
常
利
Net income
Forecast
Hokuriku bank +Hokugin Corp.
Change
from
FY 2007 Interim results
Full year
Forecast
Hokkaido bank
Change
from
FY 2007 Interim results
Forecast
Change
from
FY 2007
Full year
224.0 (13.6)
65.5
130.0 (11.5)
47.7
94.0
(2.0)
174.0
(4.9)
50.0
100.0
(5.6)
37.5
74.0
0.7
(45.6)
(93.0)
(3.0)
(25.7)
(52.0)
(0.8)
(19.8)
(41.0)
(2.1)
41.9
81.0
(7.9)
24.2
48.0
(6.5)
17.6
33.0
(1.4)
用
(15.6)
(28.0)
(3.2)
(10.0)
(20.0)
(0.3)
(5.6)
(8.0)
(2.8)
益
20.0
44.0 (22.2)
10.2
20.0 (16.7)
9.8
24.0
(5.4)
当 期 純 利 益
38.5
49.0
8.7
30.7
33.0
10.6
7.7
16.0
(1.8)
(Japanese)
Interim
Year-end
(results)
(forecast)
費
(2) Dividends forecast
Annual
Dividend per common share
Dividend per preferred share
(type 1)
Dividend per preferred share
(type 4)
Dividend per preferred share
(type 5)
普
通
株
(forecast)
Change from
FY 2007
Dividend yield
(comparison to issue price)
式
¥0.00
¥3.00 ¥3.00
¥0.50
第1 種優先株式
¥3.85
¥3.85 ¥7.70
-
1.54%
第4 種優先株式
¥3.31
¥3.31 ¥6.62
-
1.16%
第5 種優先株式
¥7.50
¥7.50 ¥15.00
-
3.00%
8
Hokuhoku Financial Group, Inc. (8377)
Ⅱ. Financial Statements
【Hokuhoku Financial Group, Inc. (Consolidated)】
Consolidated Balance Sheets (Unaudited)
Millions of yen
As of
As of
Increase
September 30, September 30,
(Decrease)
2007
2008
(A)
(Assets)
Cash and due from banks
Call loans and bills bought
Monetary claims bought
Trading assets
Money held in trust
Securities
Loans and bills discounted
Foreign exchanges
Other assets
Tangible fixed assets
Intangible fixed assets
Deferred tax assets
Customers' liabilities for acceptances and guarantees
Allowance for loan losses
Total assets
(Liabilities)
Deposits
Negotiable certificates of deposit
Call money and bills sold
Payables under securities lending transactions
Trading liabilities
Borrowed money
Foreign exchanges
Bonds payable
Other liabilities
Provision for retirement benefits
Reserve for contingent loss
Reserve for reimbursement of deposits
Deferred tax liabilities for land revaluation
Acceptances and guarantees
Total liabilities
(Net assets)
Capital stock
Capital surplus
Retained earnings
Treasury stock
Shareholders' equity
Valuation difference on available-for-sale securities
Deferred gains or losses on hedges
Revaluation reserve for land, net of taxes
Valuation and translation adjustments
Minority interests
Total net assets
Total liabilities and net assets
(資産の部)
現金預け金
コールローン及び買入手形
買入金銭債権
特定取引資産
金銭の信託
有価証券
貸出金
外国為替
その他資産
有形固定資産
無形固定資産
繰延税金資産
支払承諾見返
貸倒引当金
資産の部合計
(負債の部)
預金
譲渡性預金
コールマネー及び売渡手形
債券貸借取引受入担保金
特定取引負債
借用金
外国為替
社債
その他負債
退職給付引当金
偶発損失引当金
睡眠預金払戻引当金
再評価に係る繰延税金負債
支払承諾
負債の部合計
(純資産の部)
資本金
資本剰余金
利益剰余金
自己株式
株主資本合計
その他有価証券評価差額金
繰延ヘッジ損益
土地再評価差額金
評価・換算差額等合計
少数株主持分
純資産の部合計
負債及び純資産の部合計
Notes: Amounts less than one million yen are rounded down.
9
(B)
As of
March 31,
2008
(A)-(B)
342,600
22,071
167,228
7,705
5,888
1,693,487
6,981,048
16,939
199,323
110,291
40,540
96,054
155,304
(98,464)
9,740,021
213,879 128,720
131,154 (109,082)
192,079
(24,850)
9,123
(1,417)
11,385
(5,496)
1,644,931
48,555
6,869,071 111,976
13,236
3,703
149,952
49,371
132,957
(22,666)
43,061
(2,520)
67,253
28,801
172,592
(17,288)
(118,956)
20,492
9,531,724 208,296
282,827
81,521
185,898
7,952
7,277
1,661,169
6,871,383
14,029
159,454
133,480
42,025
64,657
159,456
(103,169)
9,567,964
8,487,515
98,493
180,000
-
927
122,911
187
66,500
157,862
11,198
1,195
2,388
9,054
155,304
9,293,539
8,378,615 108,899
110,660
(12,166)
50,000 130,000
11,741
(11,741)
901
26
155,268
(32,357)
608
(420)
67,310
(810)
112,283
45,579
11,180
18
1,195
-
2,442
(53)
9,085
(31)
172,592
(17,288)
9,082,690 210,849
8,340,831
94,793
40,000
6,492
1,563
225,762
270
66,500
154,373
11,052
599
2,777
9,061
159,456
9,113,535
70,895
223,115
158,647
(468)
452,189
(15,230)
(11)
8,909
(6,333)
625
446,481
9,740,021
70,895
-
253,248
(30,133)
105,113
53,534
(444)
(23)
428,812
23,377
10,717
(25,948)
(17)
5
8,954
(45)
19,655
(25,988)
566
58
449,034
(2,552)
9,531,724 208,296
70,895
253,234
125,950
(421)
449,658
(4,722)
(16)
8,918
4,179
590
454,428
9,567,964
Hokuhoku Financial Group, Inc. (8377)
【Hokuhoku Financial Group, Inc. (Consolidated)】
Consolidated Statements of Income (Unaudited)
Millions of yen
For the six
For the six
Increase
months ended months ended
September 30, September 30, (Decrease)
2008
2007
Ordinary income
Interest income
経常収益
資金運用収益
(Interest on loans and discounts)
(うち貸出金利息)
(Interest and dividends on securities)
(うち有価証券利息配当金)
Fees and commissions
Trading income
Other ordinary income
Other income
Ordinary expenses
Interest expenses
(Interest on deposits)
Fees and commissions payments
Other ordinary expenses
General and administrative expenses
Other expenses
Ordinary profits
Extraordinary income
Gain on disposal of fixed assets
Recoveries of written-off claims
Other
Extraordinary loss
Loss on disposal of fixed assets
Impairment loss
Provision of reserve for reimbursement of deposits
Other
Income before income taxes and minority interests
Income taxes-current
Income taxes-deferred
Minority interests in income
Net income
役務取引等収益
特定取引収益
その他業務収益
その他経常収益
経常費用
資金調達費用
(うち預金利息)
役務取引等費用
その他業務費用
営業経費
その他経常費用
経常利益
特別利益
固定資産処分益
償却債権取立益
その他の特別利益
特別損失
固定資産処分損
減損損失
睡眠預金払戻引当金繰入額
その他の特別損失
税金等調整前中間(当期)純利益
法人税、住民税及び事業税
法人税等調整額
少数株主利益
中間(当期)純利益
10
(A)
123,810
82,425
70,275
9,543
21,804
941
16,815
1,822
104,149
16,089
13,322
5,616
9,553
50,196
22,694
19,660
38
1
37
-
235
229
4
-
1
19,463
7,881
(25,995)
37
37,539
(B)
125,723
82,362
69,418
9,993
24,749
447
15,576
2,587
92,973
14,334
11,121
5,585
7,494
48,430
17,127
32,750
88
40
48
-
2,840
163
10
2,665
0
29,998
475
13,025
32
16,464
(A)-(B)
(1,912)
63
857
(450)
(2,944)
494
1,238
(764)
11,176
1,754
2,200
30
2,058
1,765
5,567
(13,089)
(50)
(39)
(11)
-
(2,605)
65
(6)
(2,665)
0
(10,534)
7,406
(39,020)
4
21,075
For the fiscal
year ended
March 31,
2008
261,257
165,891
141,139
19,164
47,275
1,289
34,491
12,309
194,940
29,477
23,321
11,209
17,352
96,743
40,157
66,317
308
211
96
-
3,622
707
244
2,665
4
63,002
1,338
22,961
62
38,640
Hokuhoku Financial Group, Inc. (8377)
【Hokuhoku Financial Group, Inc. (Consolidated)】
Consolidated Statements of Changes In Net Assets (Unaudited)
Millions of yen
Shareholders' equity
株主資本
Balance as of March 31, 2008
平成20年3月31日 残高
Changes of items during the period
中間連結会計期間中の変動額
Capital stock
Capital surplus
Retained earnings
Treasury stock
Shareholders' equity
資本金
資本剰余金
利益剰余金
自己株式
株主資本合計
70,895
253,234
125,950
(421)
449,658
Cash dividends
剰余金の配当
-
-
(4,851)
-
(4,851)
Net income
中間純利益
-
-
37,539
-
37,539
Purchase of treasury stock
自己株式の取得
-
-
-
(30,192)
(30,192)
Disposal of treasury stock
自己株式の処分
-
(8)
-
35
26
Retirement of treasury stock
自己株式の消却
-
(30,110)
-
30,110
-
-
-
9
-
9
Reversal of land revaluation excess
土地再評価差額金の取崩
Net changes of items other than
株主資本以外の項目の中間連結
会計期間中の変動額(純額)
shareholders' equity
Total changes of items during the period 中間連結会計期間中の変動額合計
Balance as of September 30, 2008
平成20年9月30日 残高
-
-
-
-
-
-
(30,119)
32,697
(46)
2,531
223,115
158,647
(468)
452,189
70,895
Millions of yen
Valuation and translation adjustments
評価・換算差額等
Valuation
Revaluation
Valuation and
Deferred gains or
difference on
reserve for land,
translation
available-for-sale losses on hedges
net of taxes
adjustments
securities
その他有価証券
土地再評価差額 評価・換算差額等
繰延ヘッジ損益
評価差額金
金
合計
Balance as of March 31, 2008
平成20年3月31日 残高
Changes of items during the period
中間連結会計期間中の変動額
(4,722)
(16)
Minority interests
Net assets
少数株主持分
純資産合計
8,918
4,179
590
454,428
Cash dividends
剰余金の配当
-
-
-
-
-
(4,851)
Net income
中間純利益
-
-
-
-
-
37,539
Purchase of treasury stock
自己株式の取得
-
-
-
-
-
(30,192)
Disposal of treasury stock
自己株式の処分
-
-
-
-
-
26
Retirement of treasury stock
自己株式の消却
-
-
-
-
-
-
-
-
-
-
-
9
(10,507)
4
(9)
(10,512)
34
(10,477)
(9)
(10,512)
34
(6,333)
625
Reversal of land revaluation excess
土地再評価差額金の取崩
Net changes of items other than
株主資本以外の項目の中間連結
会計期間中の変動額(純額)
shareholders' equity
Total changes of items during the period 中間連結会計期間中の変動額合計
Balance as of September 30, 2008
平成20年9月30日 残高
(10,507)
4
(15,230)
(11)
8,909
(7,946)
446,481
Millions of yen
Shareholders' equity
株主資本
Balance as of March 31, 2007
平成19年3月31日 残高
Changes of items during the period
中間連結会計期間中の変動額
Capital stock
Capital surplus
Retained earnings
Treasury stock
Shareholders' equity
資本金
資本剰余金
利益剰余金
自己株式
株主資本合計
70,895
293,268
93,072
(447)
456,788
Cash dividends
剰余金の配当
-
-
(4,425)
-
(4,425)
Net income
中間純利益
-
-
16,464
-
16,464
Purchase of treasury stock
自己株式の取得
-
-
-
Disposal of treasury stock
自己株式の処分
-
(4)
-
93
88
-
(40,015)
-
2
40,015
-
2
-
-
-
Retirement of treasury stock
自己株式の消却
Reversal of land revaluation excess
土地再評価差額金の取崩
Net changes of items other than
株主資本以外の項目の中間連結
会計期間中の変動額(純額)
shareholders' equity
Total changes of items during the period 中間連結会計期間中の変動額合計
Balance as of September 30, 2007
平成19年9月30日 残高
-
-
70,895
(40,019)
12,041
253,248
105,113
(40,106)
2
(444)
(40,106)
(27,975)
428,812
Millions of yen
Valuation and translation adjustments
評価・換算差額等
Valuation
Revaluation
Valuation and
Deferred gains or
difference on
reserve for land,
translation
available-for-sale losses on hedges
net of taxes
adjustments
securities
その他有価証券
土地再評価差額 評価・換算差額等
繰延ヘッジ損益
評価差額金
金
合計
Balance as of March 31, 2007
平成19年3月31日 残高
Changes of items during the period
中間連結会計期間中の変動額
26,078
(20)
Minority interests
Net assets
少数株主持分
純資産合計
8,957
35,016
543
492,348
Cash dividends
剰余金の配当
-
-
-
-
-
(4,425)
Net income
中間純利益
-
-
-
-
-
16,464
Purchase of treasury stock
自己株式の取得
-
-
-
-
-
(40,106)
Disposal of treasury stock
自己株式の処分
-
-
-
-
-
88
-
-
-
-
-
2
(15,360)
2
(2)
(15,361)
23
(15,360)
2
(2)
(15,361)
23
(43,314)
10,717
(17)
19,655
566
449,034
Retirement of treasury stock
自己株式の消却
Reversal of land revaluation excess
土地再評価差額金の取崩
Net changes of items other than
株主資本以外の項目の中間連結
会計期間中の変動額(純額)
shareholders' equity
Total changes of items during the period 中間連結会計期間中の変動額合計
Balance as of September 30, 2007
平成19年9月30日 残高
11
8,954
(15,338)
Hokuhoku Financial Group, Inc. (8377)
Millions of yen
Shareholders' equity
株主資本
Balance as of March 31, 2007
平成19年3月31日 残高
Changes of items during the period
連結会計年度中の変動額
Capital stock
Capital surplus
Retained earnings
Treasury stock
Shareholders' Equity
資本金
資本剰余金
利益剰余金
自己株式
株主資本合計
70,895
293,268
93,072
(447)
456,788
Cash dividends
剰余金の配当
-
-
(5,801)
-
(5,801)
Net income
当期純利益
-
-
38,640
-
38,640
Purchase of treasury stock
自己株式の取得
-
-
-
Disposal of treasury stock
自己株式の処分
-
(18)
-
180
Retirement of treasury stock
自己株式の消却
-
(40,015)
-
40,015
-
Reversal of land revaluation excess
土地再評価差額金の取崩
Increase due to the change of the
持分法適用会社の持分変動に伴
う自己株式の増減
interest of associated company
Net changes of items other than
株主資本以外の項目の連結会計
年度中の変動額(純額)
shareholders' equity
Total changes of items during the period 連結会計年度中の変動額合計
Balance as of March 31, 2008
平成20年3月31日 残高
(40,168)
(40,168)
162
-
-
38
-
38
-
-
-
(1)
(1)
-
-
70,895
-
-
(40,033)
32,878
26
253,234
125,950
(421)
(7,129)
449,658
Millions of yen
Valuation and translation adjustments
評価・換算差額等
Valuation
Revaluation
Valuation and
Deferred gains or
difference on
reserve for land,
translation
available-for-sale losses on hedges
net of taxes
adjustments
securities
その他有価証券
土地再評価差額 評価・換算差額等
繰延ヘッジ損益
評価差額金
金
合計
Balance as of March 31, 2007
平成19年3月31日 残高
Changes of items during the period
連結会計年度中の変動額
Minority interests
Net assets
少数株主持分
純資産合計
26,078
(20)
8,957
35,016
543
492,348
Cash dividends
剰余金の配当
-
-
-
-
-
(5,801)
Net income
当期純利益
-
-
-
-
-
38,640
Purchase of treasury stock
自己株式の取得
-
-
-
-
-
(40,168)
Disposal of treasury stock
自己株式の処分
-
-
-
-
-
Retirement of treasury stock
自己株式の消却
-
-
-
-
-
-
-
-
-
-
-
38
-
-
-
-
-
(1)
(30,801)
3
(38)
(30,836)
46
(30,790)
(30,801)
3
(38)
(30,836)
46
(37,919)
(4,722)
(16)
4,179
590
454,428
Reversal of land revaluation excess
土地再評価差額金の取崩
Increase due to the change of the
持分法適用会社の持分変動に伴
う自己株式の増減
interest of associated company
Net changes of items other than
株主資本以外の項目の連結会計
年度中の変動額(純額)
shareholders' equity
Total changes of items during the period 連結会計年度中の変動額合計
Balance as of March 31, 2008
平成20年3月31日 残高
12
8,918
162
Hokuhoku Financial Group, Inc. (8377)
【Hokuhoku Financial Group, Inc. (Consolidated)】
Consolidated Statements of Cash Flows (Unaudited)
Millions of yen
For the six
For the six
months ended months ended
September 30, September 30,
2008
2007
Ⅰ.Cash flows from operating activities:
Income before income taxes and minority interests
For the fiscal
year ended
March 31,
2008
Increase
(Decrease)
営業活動によるキャッシュ・フロー
税金等調整前中間(当期)純利益
Depreciation
減価償却費
Impairment loss
減損損失
Amortization of goodwill
のれん償却額
Equity in losses(gains) of affiliates
持分法による投資損益(△)
Increase (decrease) in allowance for loan losses
貸倒引当金の増減(△)
19,463
29,998
(10,534)
63,002
3,352
7,959
(4,606)
15,988
4
10
(6)
1,210
1,132
14
24
(4,705)
(588)
77
(9)
(4,116)
244
2,265
0
(16,375)
Increase (decrease) in reserve for contingent loss
偶発損失引当金の増減(△)
595
賞与引当金の増減(△)
595
-
-
Increase (decrease) in provision for bonuses
(30)
30
(30)
Increase (decrease) in provision for retirement benefits
退職給付引当金の増減(△)
146
(143)
289
(271)
Increase (decrease) in reserve for reimbursement of deposits
睡眠預金払戻引当金の増減(△)
Interest income
資金運用収益
(82,425)
(82,362)
Interest expenses
資金調達費用
16,089
14,334
1,754
29,477
Losses (gains) on securities
有価証券関係損益(△)
5,314
(184)
5,498
(787)
Losses (gains) on money held in trust
金銭の信託の運用損益(△)
Losses (gains) on foreign exchange
為替差損益(△)
Losses (gains) on sales of fixed assets
固定資産処分損益(△)
Net decrease (increase) in trading assets
特定取引資産の純増(△)減
Net increase (decrease) in trading liabilities
特定取引負債の純増減(△)
Net decrease (increase) in loans and bills discounted
貸出金の純増(△)減
Net increase (decrease) in deposits
預金の純増減(△)
Net increase (decrease) in negotiable certificates of deposit
Net increase (decrease) in borrowed money
(excluding subordinated borrowed money)
Net decrease (increase) in due from banks
(excluding due from the Bank of Japan)
Net decrease (increase) in call loans, and others
Net decrease (increase) in receivables under securities borrowing
transactions
Net increase (decrease) in call money, and others
Net increase (decrease) in payables under securities lending
transactions
Net decrease (increase) in foreign exchanges (assets)
譲渡性預金の純増減(△)
(388)
預け金(日銀預け金を除く)の純増(△)減
コールローン等の純増(△)減
債券貸借取引支払保証金の純増(△)減
コールマネー等の純増減(△)
(2,831)
(63)
2,777
(165,891)
93
10
83
(175)
218
(393)
228
122
105
496
246
166
79
1,338
(636)
182
(818)
172
1,355
845
(55,592)
(54,072)
(57,903)
146,683
3,291
143,392
(34,492)
3,700
27,715
(24,014)
11,848
(68,176)
(42,674)
(5,182)
(109,664)
借用金(劣後特約付借入金を除く)の純増減(△)
2,442
599
(110,851)
(11,705)
78,120
-
140,000
(4,424)
(7,280)
(97,270)
(28,584)
162,518
21,785
(21,785)
21,785
18,427
121,573
8,427
106,704
債券貸借取引受入担保金の純増減(△)
(6,492)
(31,035)
24,542
(36,284)
1,628
外国為替(資産)の純増(△)減
(2,910)
2,421
(5,331)
Net increase (decrease) in foreign exchanges (liabilities)
外国為替(負債)の純増減(△)
197
(280)
Issuance and redemption of bonds (excluding subordinated bonds)
普通社債の発行及び償還による増減(△)
(83)
-
-
-
(810)
Interest income-cash basis
資金運用による収入
72,477
71,727
750
148,454
(140)
Interest expenses-cash basis
資金調達による支出
(11,514)
(9,235)
(2,278)
Other, net
その他
(18,001)
(33,691)
15,689
(8)
Subtotal
Income taxes paid
小計
128,185
23,408
104,777
37,227
Net cash provided by (used in) operating activities
Ⅱ.Cash flows from investing activities:
Purchases of securities
法人税等の支払額
(422)
営業活動によるキャッシュ・フロー
(1,696)
1,274
(20,550)
(2,620)
127,763
21,711
106,051
34,607
投資活動によるキャッシュ・フロー
有価証券の取得による支出
(446,145)
(204,857)
(241,287)
(683,863)
Proceeds from sales of securities
有価証券の売却による収入
246,303
129,965
116,337
490,793
Proceeds from redemption of securities
有価証券の償還による収入
141,583
54,996
86,586
128,516
Proceeds from decrease in money held in trust
金銭の信託の減少による収入
1,500
3,500
(2,000)
7,432
Proceeds from fund management
投資活動としての資金運用による収入
9,556
10,025
(469)
19,209
(3,443)
(7,028)
Purchases of tangible fixed assets
有形固定資産の取得による支出
Proceeds from sales of tangible fixed assets
有形固定資産の売却による収入
61
357
(295)
Purchases of intangible fixed assets
無形固定資産の取得による支出
(601)
(720)
119
(51,185)
(13,760)
8,000
-
-
8,000
12,500
-
-
(5,000)
Net cash provided by (used in) investing activities
Ⅲ.Cash flows from financing activities:
Increase in subordinated borrowings
投資活動によるキャッシュ・フロー
3,584
(37,425)
(16,279)
819
(1,861)
(55,233)
財務活動によるキャッシュ・フロー
劣後特約付借入による収入
Decrease in subordinated borrowings
劣後特約付借入金の返済による支出
Decrease in subordinated bonds
劣後特約付社債の償還による支出
-
(3,900)
3,900
(3,900)
Expenditures for fund procurement
財務活動としての資金調達による支出
(1,497)
(1,526)
28
(2,893)
Dividends paid
配当金の支払額
(4,851)
(4,425)
(425)
(5,801)
Dividends paid to minority shareholders
少数株主への配当金の支払額
(0)
(0)
-
(0)
Purchases of treasury stock
自己株式の取得による支出
(30,192)
(40,106)
9,913
(40,168)
Proceeds from sales of treasury stock
自己株式の売却による収入
Net cash provided by (used in) financing activities
財務活動によるキャッシュ・フロー
Ⅳ.Effect of exchange rate changes on cash and cash equivalents
現金及び現金同等物に係る換算差額
Ⅴ.Net increase (decrease) in cash and cash equivalents
現金及び現金同等物の増加額(△は減少額)
Ⅵ.Cash and cash equivalents at the beginning of the period
Ⅶ.Cash and cash equivalents at the end of the period
26
(28,516)
88
(49,869)
(62)
21,353
162
(45,101)
6
(5)
11
(95)
48,067
(41,924)
89,991
(65,822)
現金及び現金同等物の期首残高
165,335
231,158
(65,822)
231,158
現金及び現金同等物の中間期末(期末)残高
213,402
189,233
24,168
165,335
13
Hokuhoku Financial Group, Inc. (8377)
【The Hokuriku Bank, Ltd. (Non-Consolidated)】
Balance Sheets (Unaudited)
Millions of yen
As of
As of
September 30, September 30,
2007
2008
(Assets)
As of
March 31,
2008
(資産の部)
Cash and due from banks
現金預け金
Call loans
コールローン
Monetary claims bought
249,931
128,593
2,071
51,154
30,519
買入金銭債権
167,142
192,029
185,805
Trading assets
特定取引資産
5,327
5,093
5,463
Money held in trust
金銭の信託
Securities
有価証券
Loans and bills discounted
貸出金
Foreign exchanges
外国為替
-
2,432
189,431
-
833,777
840,084
820,950
4,232,823
4,176,216
4,197,098
10,847
8,784
8,385
81,848
65,732
Other assets
その他資産
75,246
61,241
Tangible fixed assets
有形固定資産
65,803
64,461
Intangible fixed assets
無形固定資産
3,208
3,608
3,452
Deferred tax assets
繰延税金資産
66,923
43,708
42,780
Customers' liabilities for acceptances and guarantees
支払承諾見返
Allowance for loan losses
Allowance for investment losses
貸倒引当金
投資損失引当金
Total assets
資産の部合計
5,755,040
5,614,275
5,669,966
Deposits
(負債の部)
預金
4,962,630
4,921,310
4,909,152
Negotiable certificates of deposit
譲渡性預金
53,498
52,425
46,600
Call money
コールマネー
180,000
50,000
40,000
Payables under securities lending transactions
債券貸借取引受入担保金
11,741
6,492
Trading liabilities
特定取引負債
Borrowed money
借用金
Foreign exchanges
外国為替
Other liabilities
その他負債
Provision for retirement benefits
Reserve for contingent loss
Reserve for reimbursement of deposits
睡眠預金払戻引当金
Deferred tax liabilities for land revaluation
再評価に係る繰延税金負債
Acceptances and guarantees
支払承諾
Total liabilities
負債の部合計
(純資産の部)
(Liabilities)
(Net assets)
89,605
96,139
89,640
(47,611)
(59,214)
(51,084)
(57)
-
(58)
(58)
927
907
1,566
139,028
178,147
249,335
161
565
191
72,521
54,554
76,982
退職給付引当金
354
253
285
偶発損失引当金
673
1,805
-
1,535
270
2,232
9,054
9,085
9,061
89,605
96,139
89,640
5,510,261
5,376,667
5,431,811
140,409
140,409
140,409
14,998
71,645
Capital stock
資本金
Capital surplus
資本剰余金
14,998
14,998
62,633
Retained earnings
利益剰余金
101,210
Treasury stock
自己株式
(18,050)
Shareholders' equity
Valuation difference on available-for-sale securities
株主資本合計
238,568
Deferred gains or losses on hedges
Revaluation reserve for land, net of taxes
繰延ヘッジ損益
土地再評価差額金
8,909
Valuation and translation adjustments
評価・換算差額等合計
6,210
19,566
11,100
Total net assets
Total liabilities and net assets
純資産の部合計
244,779
237,607
238,155
5,755,040
5,614,275
5,669,966
その他有価証券評価差額金
負債及び純資産の部合計
14
(2,687)
(11)
-
-
218,041
227,054
10,629
2,198
(17)
8,954
(16)
8,918
Hokuhoku Financial Group, Inc. (8377)
【The Hokuriku Bank, Ltd. (Non-Consolidated)】
Statements of Income (Unaudited)
Ordinary income
Millions of yen
For the six
For the six
months ended months ended
September 30, September 30,
2008
2007
For the fiscal
year ended
March 31,
2008
経常収益
65,350
66,808
141,215
資金運用収益
47,751
47,899
97,326
(Interest on loans and discounts)
(うち貸出金利息)
40,723
40,486
82,344
(Interest and dividends on securities)
(うち有価証券利息配当金)
4,863
5,095
10,431
11,515
13,431
25,082
Interest income
Fees and commissions
役務取引等収益
Trading income
特定取引収益
Other ordinary income
その他業務収益
Other income
その他経常収益
Ordinary expenses
Interest expenses
909
383
1,150
3,889
4,326
8,342
1,283
766
9,313
経常費用
55,744
48,935
105,610
資金調達費用
10,230
9,502
19,384
(うち預金利息)
8,088
6,870
14,413
Fees and commissions payments
役務取引等費用
3,285
3,272
6,584
Other ordinary expenses
その他業務費用
1,168
0
0
General and administrative expenses
営業経費
26,602
25,506
50,784
Other expenses
その他経常費用
(Interest on deposits)
14,458
10,652
28,857
Ordinary profits
経常利益
9,605
17,872
35,604
Extraordinary income
特別利益
10
37
90
Extraordinary loss
特別損失
137
1,960
2,414
Income before income taxes
税引前中間(当期)純利益
9,477
15,949
33,281
Income taxes-current
法人税、住民税及び事業税
1,704
44
201
Income taxes-deferred
法人税等調整額
(22,358)
7,687
11,852
Net income
中間(当期)純利益
30,132
8,218
21,227
15
Hokuhoku Financial Group, Inc. (8377)
【The Hokkaido Bank, Ltd. (Non-Consolidated)】
Balance Sheets (Unaudited)
Millions of yen
As of
As of
September 30, September 30,
2007
2008
(Assets)
As of
March 31,
2008
(資産の部)
Cash and due from banks
現金預け金
91,811
84,354
92,224
Call loans
コールローン
20,000
80,000
51,001
Monetary claims bought
Trading account securities
買入金銭債権
商品有価証券
Money held in trust
金銭の信託
Securities
有価証券
Loans and bills discounted
貸出金
Foreign exchanges
外国為替
0
1
1
2,378
4,030
2,488
5,888
8,952
7,277
912,099
858,228
893,897
2,760,344
2,703,676
2,686,873
6,091
4,452
5,643
56,507
26,781
Other assets
その他資産
80,387
68,879
Tangible fixed assets
有形固定資産
28,429
26,295
Intangible fixed assets
無形固定資産
2,831
2,739
3,004
Deferred tax assets
繰延税金資産
29,959
24,304
22,828
Customers' liabilities for acceptances and guarantees
支払承諾見返
Allowance for loan losses
貸倒引当金
資産の部合計
3,936,839
3,853,647
3,840,867
(負債の部)
預金
3,589,187
3,517,727
3,498,317
Total assets
(Liabilities)
Deposits
30,020
30,454
28,171
(33,404)
(42,721)
(35,834)
Negotiable certificates of deposit
譲渡性預金
44,994
58,234
48,193
Borrowed money
借用金
48,000
40,000
40,000
Foreign exchanges
外国為替
25
42
79
Other liabilities
その他負債
57,895
29,433
47,566
10,574
10,415
Provision for retirement benefits
退職給付引当金
10,475
Reserve for contingent loss
偶発損失引当金
521
Reserve for reimbursement of deposits
睡眠預金払戻引当金
583
906
545
Acceptances and guarantees
支払承諾
30,020
30,454
28,171
Total liabilities
負債の部合計
(純資産の部)
3,781,704
3,687,373
3,673,617
(Net assets)
-
328
Capital stock
資本金
93,524
93,524
93,524
Capital surplus
資本剰余金
16,795
16,795
16,795
64,126
49,890
57,445
Retained earnings
利益剰余金
Treasury stock
自己株式
(13,230)
Shareholders' equity
Valuation difference on available-for-sale securities
株主資本合計
161,215
Valuation and translation adjustments
評価・換算差額等合計
Total net assets
Total liabilities and net assets
純資産の部合計
その他有価証券評価差額金
負債及び純資産の部合計
16
-
160,209
-
167,764
(6,079)
6,064
(515)
(6,079)
6,064
(515)
155,135
166,273
167,249
3,936,839
3,853,647
3,840,867
Hokuhoku Financial Group, Inc. (8377)
【The Hokkaido Bank, Ltd. (Non-Consolidated)】
Statements of Income (Unaudited)
Ordinary income
Millions of yen
For the six
For the six
months ended months ended
September 30, September 30,
2008
2007
For the fiscal
year ended
March 31,
2008
経常収益
47,736
46,650
96,081
資金運用収益
34,540
34,218
68,693
(Interest on loans and discounts)
(うち貸出金利息)
29,321
28,641
58,253
(Interest and dividends on securities)
(うち有価証券利息配当金)
4,776
4,948
9,408
Fees and commissions
役務取引等収益
8,413
9,388
18,306
Other ordinary income
その他業務収益
4,238
2,022
7,178
Other income
その他経常収益
543
1,021
1,902
37,912
33,571
66,607
Interest income
Ordinary expenses
Interest expenses
(Interest on deposits)
経常費用
資金調達費用
5,919
4,948
10,240
(うち預金利息)
5,307
4,314
9,042
6,297
Fees and commissions payments
役務取引等費用
3,250
3,119
Other ordinary expenses
その他業務費用
1,672
145
1,787
General and administrative expenses
営業経費
20,334
19,600
39,370
Other expenses
その他経常費用
6,734
5,756
8,912
Ordinary profits
経常利益
9,823
13,079
29,473
Extraordinary income
特別利益
2
28
67
Extraordinary loss
特別損失
90
869
1,079
Income before income taxes
税引前中間(当期)純利益
9,735
12,238
28,460
Income taxes-current
法人税、住民税及び事業税
Income taxes-deferred
法人税等調整額
Net income
中間(当期)純利益
17
32
61
(3,496)
5,258
10,582
7,747
6,947
17,815
5,484
Hokuhoku Financial Group, Inc. (8377)
Ⅲ. Summary of Interim Financial Results
1. Income Analysis
【Hokuhoku FG (consolidated)】
For the six months ended
(Millions of yen)
Sep.30, 2008
Sep.30, 2007
change
(Japanese)
(A)
(A - B)
(B)
連結粗利益
90,728
(4,991)
95,720
Net interest income
資金利益
66,336
(1,690)
68,027
Net fees and commissions
役務取引等利益
16,188
(2,974)
19,163
Net trading income
特定取引利益
941
494
447
Net other income
その他業務利益
7,261
(820)
8,082
Consolidated gross business profits
General and administrative expenses
営業経費
(50,196)
(1,765)
(48,430)
Total credit costs
不良債権処理額
(17,476)
(3,225)
(14,251)
Written-off of loans
貸出金償却
Provision of allowance for loan losses
貸倒引当金繰入額
Other credit costs
(249)
112
(361)
(15,746)
(2,230)
(13,516)
その他不良債権処理額
(1,480)
(1,107)
(373)
Net gains (losses) related to stocks
株式等損益
(3,690)
(3,325)
(364)
Other non-recurring gains (losses)
その他臨時損益
295
218
76
Ordinary profits
経常利益
19,660
(13,089)
32,750
Net extraordinary gains (losses)
特別損益
(197)
2,554
(2,752)
Income before income taxes
税金等調整前中間純利益
19,463
(10,534)
29,998
Income taxes-current
法人税、住民税及び事業税
(7,881)
(7,406)
(475)
Income taxes-deferred
法人税等調整額
25,995
39,020
(13,025)
Minority interests in income
少数株主利益
(37)
4
(32)
Interim net income
中間純利益
37,539
21,075
16,464
* Consolidated gross business profits = (Interest income - Interest expenses) + (Fees and commissions - Fees and commissions payments)
+ (Trading income - Trading expenses) + (Other ordinary income - Other ordinary expenses)
* 連結粗利益 = (資金運用収益 - 資金調達費用) + (役務取引等収益 - 役務取引等費用)
+ (特定取引収益 - 特定取引費用) + (その他業務収益 - その他業務費用)
(Reference)
Consolidated net business Profits (before reversal (provision) of
general allowance for loan losses)
連結業務純益
(一般貸倒引当金繰入前)
43,091
(5,541)
48,632
Consolidated core net business profits
連結コア業務純益
44,715
(3,368)
48,083
* Consolidated net business Profits (before reversal (provision) of general allowance for loan losses)
= Consolidated gross business profits - General and administrative expenses (excluding non-recurring losses)
* 連結業務純益(一般貸倒引当金繰入前) = 連結粗利益-営業経費(臨時処理分を除く)
* Consolidated core net business profits
= Consolidated net business Profits (before reversal (provision) of general allowance for loan losses) - Net gains (losses) related to bonds
* 連結コア業務純益 = 連結業務純益(一般貸倒引当金繰入前) - 国債等債券損益
Number of consolidated subsidiaries
連結子会社数
Number of affiliates under the equity method
持分法適用会社数
18
15
-
15
1
-
1
Hokuhoku Financial Group, Inc. (8377)
【Hokuriku Bank (Non-consolidated)】
For the six months ended
(Millions of yen)
Sep.30, 2008
Sep.30, 2007
change
(Japanese)
(A)
(A - B)
(B)
Gross business profits
業務粗利益
49,382
(3,886)
53,268
(Reference) Excluding net gains (losses) related to bonds
(除く国債等債券関係損益)
49,870
(3,274)
53,145
Domestic gross business profits
国内業務粗利益
47,414
(1,606)
49,020
(Reference) Excluding net gains (losses) related to bonds
(除く国債等債券関係損益)
47,029
(1,883)
48,913
Net interest income
資金利益
37,030
(1,556)
38,587
Net fees and commissions
役務取引等利益
7,988
(1,898)
9,887
Net trading income
特定取引利益
882
526
355
1,512
1,322
190
384
276
107
Net other income
Net gains (losses) related to bonds
その他業務利益
国債等債券関係損益
International gross business profits
国際業務粗利益
1,967
(2,279)
4,247
(Reference) Excluding net gains (losses) related to bonds
(除く国債等債券関係損益)
2,841
(1,391)
4,232
677
(187)
Net interest income
資金利益
489
Net fees and commissions
役務取引等利益
242
(28)
271
Net trading income
特定取引利益
27
(0)
27
1,207
(2,928)
4,136
(873)
(888)
15
(25,603)
Net other income
Net gains (losses) related to bonds
その他業務利益
国債等債券関係損益
経費(臨時処理分を除く)
(25,724)
(120)
Personnel expenses
人件費
(12,172)
(121)
(12,051)
Non-personnel expenses
物件費
(12,270)
(57)
(12,212)
Taxes
税金
(1,280)
59
(1,339)
23,658
(4,006)
27,665
24,146
(3,394)
27,541
755
4,247
(3,491)
24,414
240
24,173
(488)
(611)
123
(6,300)
General and administrative expenses
Net business profits (before reversal (provision) of general allowance 業務純益
(一般貸倒引当金繰入前)
for loan losses)
(Reference) Excluding net gains (losses) related to bonds
(参考)除く国債等債券関係損益
Reversal (provision) of general allowance for loan losses ①
一般貸倒引当金繰入①
Net business profits
業務純益
Net gains (losses) related to bonds
国債等債券関係損益
臨時損益
(14,808)
(8,508)
Credit related costs ②
不良債権処理額②
(11,265)
(5,007)
(6,257)
(Reference) Total credit costs①+②
(参考)与信費用 ①+②
(10,509)
(760)
(9,749)
Net gains (losses) related to stocks
株式等損益
(3,366)
(3,100)
(266)
302
(14)
316
Net non-recurring gains (losses)
Gains on sales of stocks and other securities
株式等売却益
Losses on sales of stocks and other securities
株式等売却損
Losses on devaluation of stocks and other securities
株式等償却
(0)
2
(2)
(3,669)
(3,089)
(580)
Ordinary profits
経常利益
9,605
(8,267)
17,872
Net extraordinary gains (losses)
特別損益
(127)
1,795
(1,923)
固定資産処分損益
(131)
(104)
(27)
Net gain (loss) on disposal of fixed assets
Gain on disposal of fixed assets
固定資産処分益
1
(32)
33
Loss on disposal of fixed assets
固定資産処分損
(133)
(71)
(61)
Impairment loss
減損損失
(4)
1
(6)
9,477
(6,471)
15,949
Income before income taxes
税引前中間純利益
Income taxes-current
法人税、住民税及び事業税
(1,704)
(1,660)
(44)
Income taxes-deferred
法人税等調整額
22,358
30,045
(7,687)
Interim net income
中間純利益
30,132
21,914
8,218
19
Hokuhoku Financial Group, Inc. (8377)
【Hokkaido Bank (Non-consolidated)】
For the six months ended
(Millions of yen)
Sep.30, 2008
Sep.30, 2007
change
(Japanese)
(A)
(A - B)
(B)
Gross business profits
業務粗利益
36,359
(1,069)
37,428
(Reference) Excluding net gains (losses) related to bonds
(除く国債等債券関係損益)
37,502
454
37,048
Domestic gross business profits
国内業務粗利益
34,658
(1,105)
35,764
(Reference) Excluding net gains (losses) related to bonds
(除く国債等債券関係損益)
35,116
(266)
35,383
Net interest income
資金利益
28,314
(575)
28,889
Net fees and commissions
役務取引等利益
5,123
(1,102)
6,226
Net trading income
特定取引利益
Net other income
Net gains (losses) related to bonds
その他業務利益
国債等債券関係損益
-
-
-
1,219
571
648
(458)
(838)
380
International gross business profits
国際業務粗利益
1,701
36
1,664
(Reference) Excluding net gains (losses) related to bonds
(除く国債等債券関係損益)
2,386
721
1,664
315
(78)
394
39
(3)
42
Net interest income
資金利益
Net fees and commissions
役務取引等利益
Net trading income
特定取引利益
Net other income
Net gains (losses) related to bonds
General and administrative expenses
その他業務利益
国債等債券関係損益
経費(臨時処理分を除く)
-
-
1,346
118
(685)
(685)
-
1,227
-
(19,877)
(582)
(19,295)
Personnel expenses
人件費
(8,353)
(302)
(8,050)
Non-personnel expenses
物件費
(10,186)
(284)
(9,902)
Taxes
税金
(1,337)
4
(1,342)
16,481
(1,651)
18,133
Net business profits (before reversal (provision) of general allowance 業務純益
(一般貸倒引当金繰入前)
for loan losses)
(Reference) Excluding net gains (losses) related to bonds
(参考)除く国債等債券関係損益
17,624
(127)
17,752
Reversal (provision) of general allowance for loan losses ①
一般貸倒引当金繰入①
(1,056)
(1,720)
664
Net business profits
業務純益
15,425
(3,372)
18,797
国債等債券関係損益
(1,143)
(1,523)
380
(5,718)
Net gains (losses) related to bonds
臨時損益
(5,601)
116
Credit related costs ②
不良債権処理額②
(4,545)
94
(4,639)
(Reference) Total credit costs①+②
(参考)与信費用 ①+②
(5,601)
(1,626)
(3,975)
Net gains (losses) related to stocks
株式等損益
(226)
651
(878)
4
(12)
17
Net non-recurring gains (losses)
Gains on sales of stocks and other securities
株式等売却益
Losses on sales of stocks and other securities
株式等売却損
Losses on devaluation of stocks and other securities
株式等償却
(19)
342
(361)
(211)
322
(533)
Ordinary profits
経常利益
9,823
(3,255)
13,079
Net extraordinary gains (losses)
特別損益
(87)
752
(840)
固定資産処分損益
(90)
(11)
(78)
Net gain (loss) on disposal of fixed assets
Gain on disposal of fixed assets
固定資産処分益
-
(6)
6
Loss on disposal of fixed assets
固定資産処分損
(90)
(5)
(85)
Impairment loss
減損損失
Income before income taxes
税引前中間純利益
Income taxes-current
法人税、住民税及び事業税
Income taxes-deferred
法人税等調整額
Interim net income
中間純利益
20
-
11
(11)
9,735
(2,502)
12,238
(5,484)
(5,452)
(32)
3,496
8,754
(5,258)
7,747
800
6,947
Hokuhoku Financial Group, Inc. (8377)
2.Average Balance of Use and Source of Funds
【Domestic】
For the six months ended
(Billions of yen)
Total of two banks
Hokuriku bank
Sep.30, 2008
(Japanese)
Sep.30, 2007 Sep.30, 2008
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
(A)
(A-B)
(B)
(A)
(A-B)
(B)
(A)
資金運用勘定
9,007.0
221.9
8,785.0
5,277.1
174.2
5,102.8
3,729.9
Loans and bills discounted
貸出金
6,858.6
137.5
6,721.1
4,167.2
100.3
4,066.8
Securities
有価証券
1,700.3
61.5
1,638.7
783.8
2.5
781.2
Interest-earning assets
Interest-bearing liabilities
Deposits and NCD
Sep.30, 2007
(A-B)
(B)
47.6
3,682.2
2,691.4
37.1
2,654.2
916.5
59.0
857.5
資金調達勘定
8,854.9
201.6
8,653.2
5,196.3
160.2
5,036.0
3,658.5
41.3
3,617.2
預金(NCD含む)
8,561.3
133.9
8,427.4
4,941.1
77.3
4,863.7
3,620.2
56.6
3,563.6
【Total】
For the six months ended
(Billions of yen)
Total of two banks
Hokuriku bank
Sep.30, 2008
(Japanese)
Sep.30, 2007 Sep.30, 2008
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
Sep.30, 2007
(A)
(A-B)
(B)
(A)
(A-B)
(B)
(A)
資金運用勘定
9,105.9
226.1
8,879.8
5,361.9
172.4
5,189.4
3,744.0
53.7
3,690.3
Loans and bills discounted
貸出金
6,862.2
137.6
6,724.5
4,170.7
100.4
4,070.2
2,691.4
37.1
2,654.2
Securities
有価証券
1,794.2
65.5
1,728.7
832.0
(2.2)
834.3
962.2
67.7
894.4
資金調達勘定
8,937.2
199.3
8,737.8
5,269.5
155.0
5,114.5
3,667.6
44.3
3,623.3
預金(NCD含む)
8,611.1
134.5
8,476.6
4,981.8
74.8
4,906.9
3,629.3
59.6
3,569.6
Interest-earning assets
Interest-bearing liabilities
Deposits and NCD
(A-B)
(B)
3. Interest Rate Spread
【Domestic】
(%)
For the six months ended
Total of two banks
Hokuriku bank
Sep.30, 2008
(Japanese)
Interest rate on interest-earning assets (a)
Loans and bills discounted (b)
Securities
Interest rate on interest-bearing liabilities (c)
(including expenses)
(A)
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Sep.30, 2007
(A-B)
(B)
資金運用利回り
1.77
(0.03)
1.80
1.74
(0.04)
1.78
1.82
0.00
1.82
貸出金利回り
2.03
(0.01)
2.04
1.94
(0.04)
1.98
2.17
0.02
2.15
有価証券利回り
0.98
(0.05)
1.03
1.02
0.00
1.02
0.94
(0.11)
1.05
資金調達原価
1.33
0.05
1.28
1.30
0.04
1.26
1.37
0.07
1.30
Deposits and NCD (d)
預金等利回り
0.30
0.05
0.25
0.31
0.06
0.25
0.29
0.05
0.24
Expense ratio (e)
預金経費率
1.03
0.00
1.03
1.00
(0.01)
1.01
1.07
0.02
1.05
Spread between loans and deposits rates(b)-(d) 預貸金直接利鞘
1.72
(0.07)
1.79
1.62
(0.10)
1.72
1.87
(0.03)
1.90
Spread between loans and deposits rates
(including expenses) (b)-(d)-(e)
預貸金利鞘
0.69
(0.07)
0.76
0.61
(0.09)
0.70
0.80
(0.05)
0.85
Interest rate spread (a)-(c)
総資金利鞘
0.44
(0.08)
0.52
0.43
(0.09)
0.52
0.44
(0.08)
0.52
【Total】
(%)
For the six months ended
Total of two banks
Hokuriku bank
Sep.30, 2008
(Japanese)
Interest rate on interest-earning assets (a)
Loans and Bills discounted (b)
Securities
Interest rate on interest-bearing liabilities (c)
(including expenses)
(A)
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Sep.30, 2007
(A-B)
(B)
資金運用利回り
1.80
(0.04)
1.84
1.77
(0.07)
1.84
1.84
0.00
1.84
貸出金利回り
2.03
(0.02)
2.05
1.94
(0.04)
1.98
2.17
0.02
2.15
有価証券利回り
1.06
(0.09)
1.15
1.16
(0.05)
1.21
0.98
(0.12)
1.10
資金調達原価
1.37
0.02
1.35
1.35
(0.01)
1.36
1.40
0.07
1.33
Deposits and NCD (d)
預金等利回り
0.31
0.05
0.26
0.33
0.05
0.28
0.30
0.06
0.24
Expense ratio (e)
預金経費率
1.05
0.00
1.05
1.02
(0.01)
1.03
1.09
0.02
1.07
Spread between loans and deposits rates(b)-(d) 預貸金直接利鞘
1.71
(0.07)
1.78
1.61
(0.08)
1.69
1.87
(0.03)
1.90
Spread between loans and deposits rates
(including expenses) (b)-(d)-(e)
預貸金利鞘
0.66
(0.06)
0.72
0.58
(0.07)
0.65
0.78
(0.04)
0.82
Interest rate spread (a)-(c)
総資金利鞘
0.42
(0.07)
0.49
0.41
(0.06)
0.47
0.43
(0.08)
0.51
21
Hokuhoku Financial Group, Inc. (8377)
4. Net Business Profits
For the six months ended
(Millions of yen)
Total of two banks
Hokuriku bank
Sep.30, 2008
(Japanese)
Core net business profits
コア業務純益
As per employee (in thousands of yen)
Net business profits(before reversal (provision) of
業務純益
general allowance for loan losses)
(一般貸倒引当金繰入前)
As per employee (in thousands of yen)
Net business profits
As per employee (in thousands of yen)
一人当たり(千円)
一人当たり(千円)
業務純益
一人当たり(千円)
(A)
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Sep.30, 2007
(A-B)
(B)
41,771
(3,522) 45,294
24,146
(3,394) 27,541
17,624
(127) 17,752
9,718
(983) 10,702
9,582
(1,412) 10,994
9,912
(366) 10,279
40,140
(5,658) 45,798
23,658
(4,006) 27,665
16,481
(1,651) 18,133
9,339
(1,482) 10,821
9,388
(1,655) 11,043
9,269
(1,230) 10,499
39,839
(3,131) 42,971
24,414
240
24,173
15,425
(3,372) 18,797
9,269
(884) 10,153
9,688
38
9,650
8,675
(2,208) 10,884
5. ROE・OHR・ROA
(1) ROE(Return on Equity)
(%)
For the six months ended
Total of two banks
Hokuriku bank
Sep.30, 2008
Sep.30, 2007 Sep.30, 2008
(A)
(B)
(A)
(B)
(A)
33.25
(4.62)
37.87
26.94
(5.95)
32.89
49.95
(0.17)
50.12
31.90
(6.40)
38.30
26.39
(6.65)
33.04
46.51
(4.76)
51.27
Net business profits per common shareholders' equity
コア業務純益ベース
業務純益(一般貸倒引当金繰
入前)ベース
業務純益ベース
31.65
(4.20)
35.85
27.24
(1.54)
28.78
43.33
(9.93)
53.26
Net income per common shareholders' equity
中間純利益ベース 30.04
18.31
11.73
33.74
24.42
9.32
20.23
2.57
17.66
Net business profits (before reversal (provision) of general
allowance for loan losses) per common shareholders' equity
(A-B)
Sep.30, 2007
(Japanese)
Core net business profits per common shareholders' equity
(A-B)
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(2) OHR (Overhead Ratio)
(%)
For the six months ended
Total of two banks
Hokuriku bank
Sep.30, 2008
(Japanese)
(A)
Core gross business profits basis
コア業務純益ベース
52.19
Gross business profits basis
業務粗利益ベース
53.18
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
2.41
49.78
51.58
3.68
49.50
52.09
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
(A-B)
Sep.30, 2007
(B)
(A)
(A-B)
3.41
48.17
53.00
0.92
52.08
(B)
4.03
48.06
54.66
3.11
51.55
(3) ROA (Return on Assets)
(%)
For the six months ended
Total of two banks
Hokuriku bank
Sep.30, 2008
(Japanese)
(A)
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Hokkaido bank
Sep.30, 2007 Sep.30, 2008
(A-B)
(B)
(A)
Sep.30, 2007
(A-B)
(B)
Core net business profits on assets
Net business profits(before reversal (provision) of
general allowance for loan losses) on assets
Net business profits on assets
コア業務純益ベース
業務純益(一般貸倒引当金繰
入前)ベース
業務純益ベース
0.88
(0.09)
0.97
0.86
(0.15)
1.01
0.90
(0.02)
0.92
0.84
(0.15)
0.99
0.84
(0.18)
1.02
0.84
(0.10)
0.94
0.84
(0.08)
0.92
0.87
(0.02)
0.89
0.78
(0.19)
0.97
Net income on assets
中間純利益ベース 0.79
0.47
0.32
1.08
0.78
0.30
0.39
0.03
0.36
22
Hokuhoku Financial Group, Inc. (8377)
6. Net Gains and Losses on Securities
【FG(consolidated)】
(Millions of yen)
Sep.30, 2007
For the six months ended
Sep.30, 2008
Net gains (losses) related to bonds
Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
(Japanese)
国債等債券損益
売却益
償還益
売却損
償還損
償却
Net gains (losses) related to stocks
Gains on sales
Losses on sales
Losses on devaluation
株式等損益
売却益
売却損
償却
【Total of two banks】
(A)
(A-B)
(B)
(1,624)
1,186
(2,173)
548
-
1,074
578
1,156
-
986
578
1,156
-
88
(3,690)
305
22
3,972
(3,325)
(880)
(277)
2,721
(364)
1,186
300
1,250
(Japanese)
国債等債券損益
売却益
償還益
売却損
償還損
償却
Net gains (losses) related to stocks
Gains on sales
Losses on sales
Losses on devaluation
株式等損益
売却益
売却損
償却
【Hokuriku bank】
(A)
(A-B)
(B)
(1,631)
1,194
(2,135)
544
-
1,040
628
1,156
-
894
628
1,156
-
146
(3,593)
307
19
3,881
(2,448)
(26)
(345)
2,767
(1,144)
334
364
1,114
(Japanese)
国債等債券損益
売却益
償還益
売却損
償還損
償却
Net gains (losses) related to stocks
Gains on sales
Losses on sales
Losses on devaluation
株式等損益
売却益
売却損
償却
【Hokkaido bank】
(A)
(Japanese)
国債等債券損益
売却益
償還益
売却損
償還損
償却
Net gains (losses) related to stocks
Gains on sales
Losses on sales
Losses on devaluation
株式等損益
売却益
売却損
償却
(A-B)
(B)
(611)
556
-
11
-
11
-
0
-
1,156
-
1,156
-
-
(3,366)
302
0
3,669
(3,100)
(14)
(2)
3,089
(266)
316
2
580
(A)
23
-
-
(488)
679
123
123
(Millions of yen)
Sep.30, 2007
For the six months ended
Sep.30, 2008
Net gains (losses) related to bonds
Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
504
650
(Millions of yen)
Sep.30, 2007
For the six months ended
Sep.30, 2008
Net gains (losses) related to bonds
Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
-
-
(Millions of yen)
Sep.30, 2007
For the six months ended
Sep.30, 2008
Net gains (losses) related to bonds
Gains on sales
Gains on redemption
Losses on sales
Losses on redemption
Losses on devaluation
549
637
(A-B)
(B)
(1,143)
514
(1,523)
(12)
380
526
-
1,029
628
-
883
628
-
-
-
-
(226)
4
19
211
651
(12)
(342)
(322)
(878)
17
361
533
-
145
Hokuhoku Financial Group, Inc. (8377)
7. Valuation Difference on Securities
(1) Valuation difference on securities
【FG(consolidated)】
(Millions of yen)
As of Mar.31, 2008
As of Sep.30, 2008
Bonds being held to maturity
Available-for-sale securities
Stocks
Bonds
Other
Total
Stocks
Bonds
Other
(Japanese)
満期保有目的
その他有価証券
株式
債券
その他
合計
株式
債券
その他
(a)
(488)
(24,925)
14,255
(28,898)
(10,283)
(25,413)
14,255
(29,125)
(10,544)
Valuation difference
(a)-(b)
Gains
(547)
250
(15,855)
26,905
1,040
25,409
(12,814)
1,441
(4,081)
54
(16,403)
27,156
1,040
25,409
(13,298)
1,692
(4,145)
54
Losses
738
51,831
11,154
30,339
10,337
52,570
11,154
30,817
10,599
【Total of two banks】
(Millions of yen)
As of Mar.31, 2008
As of Sep.30, 2008
Bonds being held to maturity
Available-for-sale securities
Stocks
Bonds
Other
Total
Stocks
Bonds
Other
(Japanese)
満期保有目的
その他有価証券
株式
債券
その他
合計
株式
債券
その他
(a)
(485)
(14,929)
23,721
(28,584)
(10,066)
(15,414)
23,721
(28,808)
(10,327)
Valuation difference
(a)-(b)
Gains
(537)
246
34,711
1,081 33,309
(12,874)
1,270
(4,083)
130
(16,413) 34,957
1,081 33,309
(13,347)
1,517
(4,147)
130
(15,876)
Losses
Bonds being held to maturity
Available-for-sale securities
Stocks
Bonds
Other
Total
Stocks
Bonds
Other
-
(3,973)
8,497
(8,395)
(4,074)
(3,973)
8,497
(8,395)
(4,074)
Valuation difference
(a)-(b)
Gains
-
(6,679)
445
(5,000)
(2,124)
(6,679)
445
(5,000)
(2,124)
Losses
-
-
17,248 21,222
16,388
7,891
844
9,240
15
4,090
17,248 21,222
16,388
7,891
844
9,240
15
4,090
【Hokkaido bank】
Bonds being held to maturity
Available-for-sale securities
Stocks
Bonds
Other
Total
Stocks
Bonds
Other
(a)
(485)
(10,956)
15,223
(20,188)
(5,991)
(11,441)
15,223
(20,412)
(6,253)
24
Valuation difference
(a)-(b)
Gains
(537)
(9,197)
636
(7,874)
(1,959)
(9,734)
636
(8,347)
(2,023)
246
17,462
16,920
425
115
17,708
16,920
672
115
447
35,055
7,815
20,297
6,942
35,503
7,815
20,528
7,158
Valuation difference
(b)
Gains
Losses
-
2,705
8,052
(3,395)
(1,950)
2,705
8,052
(3,395)
(1,950)
-
-
17,561 14,855
14,798
6,746
2,254
5,649
508
2,458
17,561 14,855
14,798
6,746
2,254
5,649
508
2,458
(Millions of yen)
As of Mar.31, 2008
As of Sep.30, 2008
(Japanese)
満期保有目的
その他有価証券
株式
債券
その他
合計
株式
債券
その他
498
36,003
30,455
4,588
959
36,501
30,455
5,067
978
(Millions of yen)
As of Mar.31, 2008
As of Sep.30, 2008
(a)
Valuation difference
(b)
Gains
Losses
732
51
49,640
947
9,588 22,640
29,854 (15,709)
10,197 (5,983)
50,372
998
9,588 22,640
30,325 (15,461)
10,458 (6,180)
【Hokuriku bank】
(Japanese)
満期保有目的
その他有価証券
株式
債券
その他
合計
株式
債券
その他
Valuation difference
(b)
Gains
Losses
59
507
447
(9,070)
28,321
37,391
13,215
22,579
9,364
(16,083)
4,949
21,032
(6,202)
792
6,994
(9,010)
28,828
37,838
13,215
22,579
9,364
(15,826)
5,437
21,263
(6,399)
811
7,210
Losses
Valuation difference
(b)
Gains
Losses
732
51
28,418 (1,758)
1,696 14,587
20,613 (12,313)
6,107 (4,032)
29,150 (1,707)
1,696 14,587
21,084 (12,065)
6,368 (4,229)
498
18,442
15,656
2,334
451
18,940
15,656
2,813
470
447
20,200
1,069
14,647
4,483
20,648
1,069
14,878
4,700
Hokuhoku Financial Group, Inc.(8377)
(10億円)
(2) Breakdown of securitization products(Total of two banks)
(Billions of yen)
Balance(as of September 30,2008)
20年9月末残高
Securitization products (Unrealized losses)
証券化商品 (評価損)
RMBS
Securities
有価証券
1,745.8
(0.4)
26.8
(0.4)
CMBS
22.2
(0.0)
0.3
CDO
(0.0)
ABS
1.4
(0.0)
2.6
Japanese government bonds
国債
726.4
-
-
-
-
-
Japanese local government
bonds
地方債
229.7
-
-
-
-
-
(0.0)
(0.0)
Japanese corporate bonds
社債
447.2
3.6
Stocks
株式
216.8
-
(0.4)
*1
(0.0)
(0.0)
0.8
0.3
0.9
1.3
-
-
-
-
(0.4)
(0.0)
Foreign currency denominated
securities
外国債券
82.8
23.2
*2 21.4
-
Others
その他証券
42.6
-
-
-
(0.0)
Money held in trust
金銭の信託
Monetary claims bought
買入金銭債権
(0.0)
*3
(0.0)
0.4
1.8
167.1
136.4
1.2
-
(0.0)
5.8
*4
-
(0.0)
-
1.8
-
0.0
*1 132.3
1.8
-
2.2
・ Neither US subprime mortgage loan-related assets nor SIV investments were held in our assets.
・サブプライム関連、SIV関連の資産は保有していません。
*1 Majority of RMBS were backed by Residential Mortgage held by Japanese domestic financial institutions.
(*1)RMBSは、国内金融機関の住宅ローン債権を裏付資産とするものが大半。
*2 All of RMBS in Foreign currency denominated securities were guaranteed by Ginnie Mae,
wholly-ownerd by the US government.
(*2)外国債券のRMBSは、米国政府全額出資の連邦政府抵当金庫(ジニーメイ)保証付債のみ。
*3 Exposure of securitization products with CDS was 0.4bil yen in AAA-rated CDO.
(*3)CDS(クレジットデフォルトスワップ)を利用した証券化商品は、CDO(格付AAA格)4億円のみ。
*4 A-rated ABS in Foreign currency denominated securities were backed by convertible bonds or Euro-Yen
denominated bonds issued by Japanese companies-related.
(*4)外国証券のABS(格付A格)の裏付資産は、国内企業関連の転換社債やユーロ円債。
25
Hokuhoku Financial Group, Inc. (8377)
8. Capital Adequacy Ratio (Domestic Standard)
Capital adequacy ratio is calculated in accordance with the new standard (Basel 2) From March 31,2007.
The following approaches are adopted to calculate the new capital adequacy ratio.
Credit risk : The Standardized Approach
Operational Risk : The Standardized Approach
【FG(consolidated)】
(%, Billions of yen)
As of Sep.30,2008
(A)
(Japanese)
(1) Capital adequacy ratio
Tier1 ratio
自己資本比率
As of Mar.31,2008 As of Sep.30,2007
(A-B)
(A-C)
(B)
(C)
10.39%
0.00%
0.42%
10.39%
9.97%
Tier1比率
7.36%
(0.12)%
0.08%
7.48%
7.28%
(2) Tier1 capital
Tier1
398.8
(2.7)
11.7
401.5
387.1
(3) Tier2 capital
Tier2
166.0
8.3
20.7
157.7
145.2
33.2
General allowance for loan losses
included as qualifying capital
Revaluation reserve for land, net of taxes
included as qualifying capital
Subordinated debts
一般貸倒引当金の自己資本算入額
自己資本に計上された土地再評価差額
劣後ローン(債券)残高
33.8
0.3
0.6
33.5
8.0
(0.0)
(0.0)
8.0
8.1
124.1
8.0
20.2
116.1
103.9
(4) Deductions
控除項目
1.4
(0.2)
(0.4)
1.7
1.9
(5) Capital (2)+(3)-(4)
自己資本
563.4
5.8
32.9
557.5
530.4
(6) Risk-weighted assets
リスクアセット
5,417.7
55.0
100.5
5,362.6
5,317.1
【Hokuriku bank】
(non-consolidated)
(%, Billions of yen)
As of Sep.30,2008
(A)
(Japanese)
(1) Capital adequacy ratio
自己資本比率
As of Mar.31,2008 As of Sep.30,2007
(A-B)
(A-C)
(B)
(C)
10.26%
0.16%
0.85%
10.10%
9.41%
Tier1比率
7.12%
0.18%
0.57%
6.94%
6.55%
(2) Tier1 capital
Tier1
228.6
5.8
18.9
222.8
209.7
(3) Tier2 capital
Tier2
100.8
(0.8)
8.8
101.6
92.0
16.6
(0.7)
(3.3)
17.4
20.0
8.0
(0.0)
(0.0)
8.0
8.1
63.9
Tier1 ratio
General allowance for loan losses
included as qualifying capital
Revaluation reserve for land, net of taxes
included as qualifying capital
Subordinated debts
一般貸倒引当金の自己資本算入額
自己資本に計上された土地再評価差額
76.1
-
12.2
76.1
(4) Deductions
控除項目
0.0
(0.0)
(0.1)
0.1
0.1
(5) Capital (2)+(3)-(4)
自己資本
329.4
5.1
27.9
324.3
301.5
(6) Risk-weighted assets
リスクアセット
3,210.3
0.8
9.1
3,209.4
3,201.2
連結自己資本比率
10.45%
0.19%
0.90%
10.26%
9.55%
7.25%
0.20%
0.58%
7.05%
6.67%
劣後ローン(債券)残高
(Consolidated)
(1) Capital adequacy ratio
Tier1 ratio
連結Tier1比率
【Hokkaido bank】
(non-consolidated)
(%, Billions of yen)
As of Sep.30,2008
(1) Capital adequacy ratio
Tier1 ratio
As of Mar.31,2008 As of Sep.30,2007
(Japanese)
(A)
(A-B)
(A-C)
(B)
自己資本比率
9.68%
(0.45)%
(0.24)%
10.13%
9.92%
(C)
Tier1比率
6.94%
(0.80)%
(0.49)%
7.74%
7.43%
(2) Tier1 capital
Tier1
152.9
(13.1)
(3.9)
166.1
156.8
(3) Tier2 capital
Tier2
60.3
9.0
7.7
51.3
52.6
一般貸倒引当金の自己資本算入額
12.3
1.0
(0.2)
11.3
12.6
-
-
-
-
-
48.0
8.0
8.0
40.0
40.0
0.0
-
-
0.0
0.0
General allowance for loan losses
included as qualifying capital
Revaluation reserve for land, net of taxes
included as qualifying capital
Subordinated debts
自己資本に計上された土地再評価差額
劣後ローン(債券)残高
(4) Deductions
控除項目
(5) Capital (2)+(3)-(4)
自己資本
(6) Risk-weighted assets
リスクアセット
213.3
(4.1)
3.8
217.4
209.4
2,201.8
55.7
91.8
2,146.0
2,110.0
(Consolidated)
(1) Capital adequacy ratio
Tier1 ratio
連結自己資本比率
9.71%
(0.47)%
(0.20)%
10.18%
9.91%
連結Tier1比率
6.98%
(0.79)%
(0.49)%
7.77%
7.47%
26
Hokuhoku Financial Group, Inc. (8377)
Ⅳ.Loan Portfolio and Other
1. Disclosed Claims under the Financial Reconstruction Law
【Total of two banks + Hokugin Corp.】
(Millions of yen, %)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
破産更生債権及びこれらに
準ずる債権
Bankrupt and substantially bankrupt
(B)
(C)
13,650
63,618
54,425
144,418
(4,856)
(37,157)
149,275
181,576
40,654
(7,161)
(14,917)
47,816
55,571
253,148
(7,561)
(38,424)
260,709
291,573
7,010,188
121,858
145,678
6,888,330
6,864,510
(2) 合計
7,263,337
114,297
107,253
7,149,040
7,156,084
(1)/(2) 比率
3.48
(0.16)
(0.59)
3.64
4.07
120,795
(14,738)
(24,836)
135,533
145,631
Substandard
要管理債権
(1) 小計
正常債権
Normal
NPL ratio (%)
(A-C)
4,456
危険債権
Total
(A-B)
68,075
Doubtful
Non Perfoming Loans
(A)
部分直接償却実施額
Amount of partial write-off
【Hokuriku bank + Hokugin Corp.】
(Millions of yen, %)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
破産更生債権及びこれらに
準ずる債権
(A)
50,524
2,394
Doubtful
危険債権
86,501
Substandard
要管理債権
Bankrupt and substantially bankrupt
Non Perfoming Loans
Normal
Total
NPL ratio (%)
Amount of partial write-off
(B)
(C)
8,196
48,129
42,328
2,756
(18,163)
83,744
104,665
22,672
(8,973)
(17,404)
31,645
40,076
159,698
(3,821)
(27,372)
163,519
187,070
4,271,755
40,419
73,962
4,231,336
4,197,792
(2) 合計
4,431,453
36,597
46,590
4,394,856
4,384,863
(1)/(2) 比率
3.60
(0.12)
(0.66)
3.72
4.26
99,024
(12,061)
(22,548)
111,085
121,572
(1) 小計
正常債権
部分直接償却実施額
(A-B)
(A-C)
【Hokkaido bank】
(Millions of yen, %)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
破産更生債権及びこれらに
準ずる債権
(A)
17,551
2,062
Doubtful
危険債権
57,917
Substandard
要管理債権
Bankrupt and substantially bankrupt
Non Perfoming Loans
Normal
Total
NPL ratio (%)
Amount of partial write-off
(B)
(C)
5,454
15,489
12,097
(7,613)
(18,993)
65,530
76,910
17,982
1,811
2,486
16,170
15,495
93,450
(3,739)
(11,052)
97,190
104,503
2,738,432
81,439
71,715
2,656,993
2,666,717
(2) 合計
2,831,883
77,699
60,662
2,754,184
2,771,220
(1)/(2) 比率
3.29
(0.23)
(0.48)
3.52
3.77
21,771
(2,677)
(2,287)
24,448
24,059
(1) 小計
正常債権
部分直接償却実施額
27
(A-B)
(A-C)
Hokuhoku Financial Group, Inc. (8377)
2. Coverage on Disclosed Claims under the Financial Reconstruction Law
【Total of two banks + Hokugin Corp.】
Loan amount
(Japanese)
Bankrupt and
substantially
bankrupt
Doubtful
Substandard
Total
Allowance for
loan losses
(A)
Covered by
collateral and/or
guarantees
(B)
債権額
担保・保証等
貸倒引当金等
(C)
56,388
11,687
100.00
100.00
63,618
50,526
13,092
100.00
100.00
4,456
5,861
(1,405)
0.00
0.00
As of Sep.30, 2008 (a)
144,418
86,080
39,691
68.03
87.08
As of Mar.31, 2008 (b)
85.70
危 険 債 権
要管理債権
合 計
149,275
82,888
45,050
67.86
(a) - (b)
(4,856)
3,191
(5,358)
0.17
1.38
As of Sep.30, 2008 (a)
40,654
11,986
9,183
32.03
52.07
As of Mar.31, 2008 (b)
47,816
13,660
11,466
33.57
52.54
(a) - (b)
(7,161)
(1,673)
(2,282)
(1.54)
(0.47)
As of Sep.30, 2008 (a)
253,148
154,455
60,562
61.36
84.93
As of Mar.31, 2008 (b)
260,709
147,075
69,608
61.25
83.11
(7,561)
7,379
(9,046)
0.11
1.82
Loan amount
Allowance for
loan losses
(A)
債権額
担保・保証等
貸倒引当金等
50,524
40,927
9,596
100.00
100.00
48,129
37,193
10,935
100.00
100.00
2,394
3,733
(1,338)
0.00
0.00
As of Sep.30, 2008 (a)
86,501
55,346
21,682
69.59
89.04
As of Mar.31, 2008 (b)
83,744
48,712
23,136
66.04
85.79
As of Sep.30, 2008 (a)
破産更生債権及び
As of Mar.31, 2008 (b)
これらに準ずる債権
(a) - (b)
危 険 債 権
(a) - (b)
要管理債権
合 計
(C)
2,756
6,634
(1,454)
3.55
3.25
6,794
6,345
39.96
57.95
As of Mar.31, 2008 (b)
31,645
9,822
8,509
38.99
57.92
(8,973)
(3,027)
(2,163)
0.97
0.03
As of Sep.30, 2008 (a)
159,698
103,069
37,625
66.44
88.10
As of Mar.31, 2008 (b)
163,519
95,728
42,581
62.81
84.58
(3,821)
7,340
(4,956)
3.63
3.52
(a) - (b)
Loan amount
(Japanese)
Doubtful
Substandard
As of Sep.30, 2008 (a)
破産更生債権及び
As of Mar.31, 2008 (b)
これらに準ずる債権
(a) - (b)
危 険 債 権
要管理債権
合 計
(Millions of yen, %)
Coverage ratio
Coverage ratio
for unsecured
portion
(C)/{(A)-(B)}
{(B)+(C)}/(A)
Allowance for
loan losses
(A)
Covered by
collateral and/or
guarantees
(B)
債権額
担保・保証等
貸倒引当金等
17,551
15,461
2,090
100.00
100.00
15,489
13,332
2,156
100.00
100.00
(C)
引当率
保全率
2,062
2,128
(66)
0.00
0.00
As of Sep.30, 2008 (a)
57,917
30,733
18,009
66.24
84.15
As of Mar.31, 2008 (b)
65,530
34,176
21,913
69.88
85.59
(a) - (b)
(7,613)
(3,442)
(3,904)
(3.64)
(1.44)
As of Sep.30, 2008 (a)
17,982
5,191
2,837
22.18
44.65
As of Mar.31, 2008 (b)
16,170
3,838
2,956
23.97
42.02
1,811
1,353
(119)
(1.79)
2.63
As of Sep.30, 2008 (a)
93,450
51,386
22,937
54.52
79.53
As of Mar.31, 2008 (b)
97,190
51,346
27,027
58.95
80.64
(a) - (b)
(3,739)
39
(4,090)
(4.43)
(1.11)
(a) - (b)
Total
保全率
22,672
【Hokkaido bank】
Bankrupt and
substantially
bankrupt
引当率
As of Sep.30, 2008 (a)
(a) - (b)
Total
(Millions of yen, %)
Coverage ratio
Coverage ratio
for unsecured
portion
(C)/{(A)-(B)}
{(B)+(C)}/(A)
Covered by
collateral and/or
guarantees
(B)
(Japanese)
Substandard
保全率
68,075
【Hokuriku bank + Hokugin Corp.】
Doubtful
引当率
As of Sep.30, 2008 (a)
破産更生債権及び
As of Mar.31, 2008 (b)
これらに準ずる債権
(a) - (b)
(a) - (b)
Bankrupt and
substantially
bankrupt
(Millions of yen, %)
Coverage ratio
Coverage ratio
for unsecured
portion
(C)/{(A)-(B)}
{(B)+(C)}/(A)
28
Hokuhoku Financial Group, Inc. (8377)
3. Risk-Monitored Loans (after partial write-off)
【Total of two banks + Hokugin Corp.】
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Loans to bankrupt bollowers
(Japanese)
(A)
(B)
(C)
破綻先債権額
29,224
7,650
8,152
21,573
21,071
178,967
(8,222)
(32,116)
187,189
211,084
406
234
230
172
176
Non-accrual delinquent loans
延滞債権額
Loans past due for 3 months or more
3カ月以上延滞債権額
Restructured loans
貸出条件緩和債権額
Total
合計
Total loans and bills discounted
貸出金残高
(A-B)
(A-C)
40,248
(7,395)
(15,147)
47,643
55,395
248,846
(7,732)
(38,881)
256,579
287,727
7,006,332
108,685
111,304
6,897,647
6,895,028
(% to total loans and bills discounted)
(%)
Loans to bankrupt bollowers
破綻先債権額
0.41
0.10
0.11
0.31
0.30
Non-accrual delinquent loans
延滞債権額
2.55
(0.16)
(0.51)
2.71
3.06
Loans past due for 3 months or more
3カ月以上延滞債権額
0.00
0.00
0.00
0.00
0.00
Restructured loans
貸出条件緩和債権額
0.57
(0.12)
(0.23)
0.69
0.80
合計
3.55
(0.16)
(0.62)
3.71
4.17
Total
【Hokuriku bank + Hokugin Corp.】
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Loans to bankrupt bollowers
(Japanese)
(A)
破綻先債権額
23,270
6,604
110,891
406
Non-accrual delinquent loans
延滞債権額
Loans past due for 3 months or more
3カ月以上延滞債権額
Restructured loans
貸出条件緩和債権額
Total
合計
Total loans and bills discounted
貸出金残高
(A-B)
(A-C)
(B)
(C)
5,916
16,665
17,353
(939)
(15,609)
111,830
126,500
234
230
172
176
22,266
(9,207)
(17,634)
31,473
39,900
156,834
(3,307)
(27,097)
160,141
183,931
4,245,988
35,213
54,635
4,210,774
4,191,352
(% to total loans and bills discounted)
(%)
Loans to bankrupt bollowers
破綻先債権額
0.54
0.15
0.13
0.39
0.41
Non-accrual delinquent loans
延滞債権額
2.61
(0.04)
(0.40)
2.65
3.01
Loans past due for 3 months or more
3カ月以上延滞債権額
0.00
0.00
0.00
0.00
0.00
Restructured loans
貸出条件緩和債権額
0.52
(0.22)
(0.43)
0.74
0.95
合計
3.69
(0.11)
(0.69)
3.80
4.38
Total
【Hokkaido bank】
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(A)
(Japanese)
Loans to bankrupt bollowers
破綻先債権額
Non-accrual delinquent loans
延滞債権額
(A-B)
(A-C)
(B)
(C)
5,953
1,046
2,236
4,907
3,717
68,076
(7,283)
(16,507)
75,359
84,583
Loans past due for 3 months or more
3カ月以上延滞債権額
Restructured loans
貸出条件緩和債権額
17,982
-
1,811
-
2,486
-
16,170
-
15,495
Total
合計
92,012
(4,425)
(11,783)
96,437
103,796
Total loans and bills discounted
貸出金残高
2,760,344
73,471
56,668
2,686,873
2,703,676
(% to total loans and bills discounted)
-
(%)
Loans to bankrupt bollowers
破綻先債権額
0.21
0.03
0.08
0.18
0.13
Non-accrual delinquent loans
延滞債権額
2.46
(0.34)
(0.66)
2.80
3.12
Loans past due for 3 months or more
3カ月以上延滞債権額
-
-
Restructured loans
貸出条件緩和債権額
0.65
0.05
0.08
0.60
0.57
合計
3.33
(0.25)
(0.50)
3.58
3.83
Total
-
29
-
-
Hokuhoku Financial Group, Inc. (8377)
4. Allowance for Loan Losses
【Total of two banks + Hokugin Corp.】
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
(A)
(A-C)
(B)
貸倒引当金
82,895
(5,955)
(21,214)
88,850
104,110
General allowance
一般貸倒引当金
30,043
345
(4,423)
29,697
34,466
Specific allowance
個別貸倒引当金
52,852
(6,300)
(16,791)
59,153
69,643
Allowance for loan losses
(A-B)
【Hokuriku bank + Hokugin Corp.】
(C)
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(A)
(Japanese)
(A-B)
(A-C)
(B)
(C)
貸倒引当金
49,490
(3,524)
(11,897)
53,015
61,388
General allowance
一般貸倒引当金
17,662
(710)
(4,174)
18,372
21,837
Specific allowance
個別貸倒引当金
31,828
(2,813)
(7,723)
34,642
39,551
Allowance for loan losses
【Hokkaido bank】
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(A)
(Japanese)
(A-B)
(A-C)
(B)
(C)
貸倒引当金
33,404
(2,430)
(9,316)
35,834
42,721
General allowance
一般貸倒引当金
12,380
1,056
(248)
11,324
12,629
Specific allowance
個別貸倒引当金
21,023
(3,486)
(9,068)
24,510
30,091
Allowance for loan losses
5. Coverage Ratio for Risk-Monitored Loans
【Total of two banks + Hokugin Corp.】
(%, Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(A)
(Japanese)
(A-B)
(A-C)
(B)
(C)
Before partial write-off
部分直接償却前
55.10
(2.12)
(2.52)
57.22
57.62
After partial write-off
部分直接償却後
33.31
(1.31)
(2.87)
34.62
36.18
Amount of partial write-off
部分直接償却実施額
120,790
(14,739)
(24,841)
135,530
145,631
【Hokuriku bank + Hokugin Corp.】
(%, Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(A)
(Japanese)
(A-B)
(A-C)
(B)
(C)
Before partial write-off
部分直接償却前
58.04
(2.46)
(1.84)
60.50
59.88
After partial write-off
部分直接償却後
31.55
(1.55)
(1.82)
33.10
33.37
Amount of partial write-off
部分直接償却実施額
99,024
(12,061)
(22,548)
111,085
121,572
【Hokkaido bank】
(%, Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(A)
(Japanese)
(A-B)
(A-C)
(B)
(C)
Before partial write-off
部分直接償却前
48.48
(1.38)
(3.75)
49.86
52.23
After partial write-off
部分直接償却後
36.30
(0.85)
(4.85)
37.15
41.15
Amount of partial write-off
部分直接償却実施額
21,765
(2,678)
(2,293)
24,444
24,059
30
Hokuhoku Financial Group, Inc. (8377)
6. Classification of Loans by Type of Industry
【Total of two banks + Hokugin Corp.】
Classification of loans by type of industry
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
(A)
Domestic total
国内
(excluding loans booked offshore)
(除く特別国際金融取引勘定)
Manufacturing
製造業
(A-B)
(A-C)
(B)
(C)
7,006,332
108,684
111,303
6,897,647
6,895,028
903,615
17,314
18,681
886,301
884,934
Agriculture
農業
15,871
(3,966)
(1,854)
19,837
17,725
Forestry
林業
3,209
74
(167)
3,135
3,376
Fishery
漁業
6,545
(1,316)
(1,894)
7,861
8,439
Mining
鉱業
13,806
10,126
9,815
3,680
3,991
Construction
建設業
370,546
(21,117)
(32,903)
391,663
403,449
Utilities
電気・ガス・熱供給・水道業
65,882
(1,191)
7,567
67,073
58,315
Communication
情報通信業
32,788
724
966
32,064
31,822
Transportation
運輸業
162,324
3,933
8,261
158,391
154,063
Wholesale and retail
卸売・小売業
916,044
(7,107)
(5,952)
923,152
921,996
Finance and insurance
金融・保険業
241,650
6,450
(16,238)
235,200
257,888
Real estate
不動産業
480,155
(1,713)
(7,489)
481,868
487,644
Services
各種サービス業
709,463
(27,718)
(36,934)
737,181
746,397
Government, local government
地方公共団体等
1,123,158
106,196
98,386
1,016,962
1,024,772
449,722
62,029
65,398
387,693
384,324
1,961,267
27,989
71,060
1,933,277
1,890,206
(Government)
Other
(うち政府向け)
その他
Classification of risk-monitored loans by type of industry
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
(A)
Domestic total
国内
(excluding loans booked offshore)
(除く特別国際金融取引勘定)
(A-B)
(A-C)
(B)
(C)
248,846
(7,732)
(38,881)
256,579
287,727
32,484
(3,896)
(9,344)
36,380
41,828
Manufacturing
製造業
Agriculture
農業
972
(194)
(256)
1,166
1,229
Forestry
林業
122
(2)
(106)
124
229
Fishery
漁業
1,738
(251)
(316)
1,990
2,054
Mining
鉱業
681
130
17
551
664
Construction
建設業
50,275
(1,160)
(7,535)
51,436
57,811
Utilities
電気・ガス・熱供給・水道業
51
45
44
5
6
Communication
情報通信業
893
(316)
450
1,209
442
Transportation
運輸業
Wholesale and retail
Finance and insurance
Real estate
7,054
2,486
1,246
4,567
5,807
卸売・小売業
48,234
(2,433)
(7,033)
50,668
55,267
金融・保険業
3,124
1,049
(2,153)
2,074
5,277
不動産業
34,403
1,096
(6,256)
33,306
40,659
Services
各種サービス業
43,705
(4,967)
(8,865)
48,672
52,571
Government, local government
地方公共団体等
-
-
Other
その他
-
25,105
31
680
1,229
-
24,424
-
23,876
Hokuhoku Financial Group, Inc. (8377)
【Hokuriku bank + Hokugin Corp.】
Classification of loans by type of industry
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
(A)
Domestic total
国内
(excluding loans booked offshore)
(除く特別国際金融取引勘定)
(A-B)
4,245,987
(A-C)
(B)
(C)
35,212
54,634
4,210,774
4,191,352
669,754
4,976
(9,263)
664,778
679,018
(4,663)
(3,422)
11,629
10,388
Manufacturing
製造業
Agriculture
農業
6,966
Forestry
林業
2,814
(12)
(189)
2,826
3,003
Fishery
漁業
4,221
(1,275)
(1,795)
5,496
6,016
Mining
鉱業
12,029
9,984
9,740
2,045
2,289
Construction
建設業
248,985
(17,188)
(27,773)
266,173
276,758
Utilities
電気・ガス・熱供給・水道業
31,246
(5,315)
973
36,561
30,273
Communication
情報通信業
24,169
(491)
(1,144)
24,660
25,313
Transportation
運輸業
90,462
2,900
1,307
87,562
89,155
Wholesale and retail
卸売・小売業
555,468
(6,729)
(15,334)
562,198
570,802
Finance and insurance
金融・保険業
Real estate
93,628
(276)
(9,560)
93,904
103,188
不動産業
304,791
(8,366)
(15,323)
313,157
320,114
Services
各種サービス業
426,469
(18,306)
(29,361)
444,775
455,830
Government, local government
地方公共団体等
762,602
55,413
99,787
707,189
662,815
(うち政府向け)
410,612
39,919
89,436
370,693
321,176
1,012,374
24,554
55,994
987,819
956,379
(Government)
Other
その他
Classification of risk-monitored loans by type of industry
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
(A)
Domestic total
国内
(excluding loans booked offshore)
(除く特別国際金融取引勘定)
(A-B)
(A-C)
(B)
(C)
156,834
(3,307)
(27,097)
160,141
183,931
21,825
1,154
(3,521)
20,670
25,346
207
249
Manufacturing
製造業
Agriculture
農業
171
(35)
(77)
Forestry
林業
7
7
(92)
Fishery
漁業
907
(196)
(235)
1,103
1,143
Mining
鉱業
666
115
6
551
660
Construction
建設業
30,611
1,709
(2,581)
28,902
33,193
Utilities
電気・ガス・熱供給・水道業
(3)
(3)
3
3
Communication
情報通信業
(377)
416
954
159
Transportation
運輸業
Wholesale and retail
Finance and insurance
Real estate
-
576
-
100
3,107
1,255
391
1,852
2,716
卸売・小売業
28,605
(4,104)
(8,294)
32,710
36,900
金融・保険業
1,247
48
(184)
1,198
1,431
不動産業
22,014
990
(3,636)
21,024
25,651
Services
各種サービス業
33,568
(3,602)
(9,710)
37,170
43,279
Government, local government
地方公共団体等
-
-
Other
その他
-
13,523
32
(267)
426
-
13,791
-
13,097
Hokuhoku Financial Group, Inc. (8377)
【Hokkaido bank】
Classification of loans by type of industry
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
(A)
Domestic total
国内
(excluding loans booked offshore)
(除く特別国際金融取引勘定)
(A-B)
(A-C)
(B)
(C)
2,760,344
73,471
56,668
2,686,873
2,703,676
233,861
12,338
27,945
221,523
205,916
697
1,568
8,208
7,337
Manufacturing
製造業
Agriculture
農業
8,905
Forestry
林業
395
86
22
309
373
Fishery
漁業
2,324
(41)
(99)
2,365
2,423
Mining
鉱業
1,777
142
75
1,635
1,702
Construction
建設業
121,561
(3,929)
(5,130)
125,490
126,691
Utilities
電気・ガス・熱供給・水道業
34,636
4,124
6,594
30,512
28,042
Communication
情報通信業
8,619
1,215
2,110
7,404
6,509
Transportation
運輸業
71,862
1,033
6,954
70,829
64,908
Wholesale and retail
卸売・小売業
360,576
(378)
9,382
360,954
351,194
Finance and insurance
金融・保険業
148,022
6,726
(6,678)
141,296
154,700
Real estate
不動産業
175,364
6,653
7,834
168,711
167,530
Services
各種サービス業
282,994
(9,412)
(7,573)
292,406
290,567
Government, local government
地方公共団体等
360,556
50,783
(1,401)
309,773
361,957
(うち政府向け)
39,110
22,110
(24,038)
17,000
63,148
948,893
3,435
15,066
945,458
933,827
(Government)
Other
その他
Classification of risk-monitored loans by type of industry
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
(Japanese)
(A)
Domestic total
国内
(excluding loans booked offshore)
(除く特別国際金融取引勘定)
(A-B)
(A-C)
(B)
(C)
92,012
(4,425)
(11,783)
96,437
103,796
10,658
(5,050)
(5,823)
15,709
16,482
Manufacturing
製造業
Agriculture
農業
800
(158)
(179)
959
980
Forestry
林業
114
(9)
(14)
124
129
Fishery
漁業
831
(55)
(80)
886
911
Mining
鉱業
15
15
11
Construction
建設業
19,663
(2,870)
(4,954)
22,534
24,617
Utilities
電気・ガス・熱供給・水道業
51
49
48
1
2
Communication
情報通信業
316
61
33
254
283
Transportation
運輸業
Wholesale and retail
Finance and insurance
Real estate
-
4
3,946
1,231
855
2,714
3,091
卸売・小売業
19,628
1,670
1,260
17,957
18,367
金融・保険業
1,877
1,001
(1,969)
875
3,846
不動産業
12,388
106
(2,620)
12,282
15,008
Services
各種サービス業
10,137
(1,365)
844
11,502
9,292
Government, local government
地方公共団体等
Other
その他
-
11,581
33
-
948
-
802
-
10,633
-
10,778
Hokuhoku Financial Group, Inc. (8377)
7. Housing and Consumer Loans
【Total of two banks】
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Housing and consumer loans
Housing loans
Other consumer loans
(Japanese)
個人ローン
うち住宅系ローン残高
うちその他のローン残高
(A)
1,872,083
1,749,714
122,369
(A-B)
35,614
37,445
(1,831)
(A-C)
80,186
87,127
(6,941)
【Hokuriku bank】
(Millions of yen)
(Japanese)
個人ローン
うち住宅系ローン残高
うちその他のローン残高
(A)
954,290
882,671
71,619
(A-B)
31,921
33,244
(1,323)
(A-C)
63,795
69,813
(6,018)
【Hokkaido bank】
(B)
922,369
849,426
72,942
(C)
890,495
812,857
77,637
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Housing and consumer loans
Housing loans
Other consumer loans
(C)
1,791,897
1,662,586
129,310
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Housing and consumer loans
Housing loans
Other consumer loans
(B)
1,836,469
1,712,268
124,200
(Japanese)
個人ローン
うち住宅系ローン残高
うちその他のローン残高
(A)
917,793
867,043
50,750
(A-B)
3,693
4,201
(508)
(A-C)
16,391
17,314
(923)
(B)
914,100
862,842
51,258
(C)
901,402
849,729
51,673
8. Loans to Small and Medium-sized Enterprises (“SMEs”) and Individuals
【Total of two banks + Hokugin Corp.】
(Millions of yen, %)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Loans to SMEs and Individuals
% to total loans
(Japanese)
中小企業等貸出残高
中小企業等貸出比率
(A)
4,977,078
71.03
(A-B)
(36,693)
(1.65)
(A-C)
(47,365)
(1.84)
【Hokuriku bank + Hokugin Corp.】
(Millions of yen, %)
(Japanese)
中小企業等貸出残高
中小企業等貸出比率
(A)
2,969,929
69.94
(A-B)
(41,119)
(1.56)
(A-C)
(62,397)
(2.40)
【Hokkaido bank】
(B)
3,011,049
71.50
(C)
3,032,326
72.34
(Millions of yen, %)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Loans to SMEs and Individuals
% to total loans
(C)
5,024,443
72.87
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Loans to SMEs and Individuals
% to total loans
(B)
5,013,772
72.68
(Japanese)
中小企業等貸出残高
中小企業等貸出比率
(A)
2,007,149
72.71
(A-B)
4,426
(1.82)
(A-C)
15,032
(0.97)
(B)
2,002,723
74.53
(C)
1,992,117
73.68
9. Deposits and Loans
【Total of two banks】 (including Hokugin Corp. in loans)
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Deposits (term-end balance)
Deposits (average balance)
Loans (term-end balance)
Loans (average balance)
(Japanese)
預金 (末残)
預金 (平残)
貸出金 (末残)
貸出金 (平残)
(A)
8,551,817
8,431,204
7,006,332
6,874,229
(A-B)
144,347
128,186
108,685
81,859
(A-C)
112,780
100,795
111,304
136,308
【Hokuriku bank】 (including Hokugin Corp. in loans)
(Millions of yen)
(Japanese)
預金 (末残)
預金 (平残)
貸出金 (末残)
貸出金 (平残)
(A)
4,962,630
4,884,449
4,245,988
4,182,774
(A-B)
53,477
74,340
35,213
64,065
(A-C)
41,319
57,232
54,635
99,118
【Hokkaido bank】
(B)
4,909,152
4,810,108
4,210,774
4,118,709
(C)
4,921,310
4,827,217
4,191,352
4,083,655
(Millions of yen)
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Deposits (term-end balance)
Deposits (average balance)
Loans (term-end balance)
Loans (average balance)
(C)
8,439,037
8,330,409
6,895,028
6,737,920
As of Mar.31,2008 As of Sep.30,2007
As of Sep.30,2008
Deposits (term-end balance)
Deposits (average balance)
Loans (term-end balance)
Loans (average balance)
(B)
8,407,470
8,303,017
6,897,647
6,792,370
(Japanese)
預金 (末残)
預金 (平残)
貸出金 (末残)
貸出金 (平残)
(A)
3,589,187
3,546,754
2,760,344
2,691,455
34
(A-B)
90,870
53,846
73,471
17,794
(A-C)
71,460
43,563
56,668
37,190
(B)
3,498,317
3,492,908
2,686,873
2,673,660
(C)
3,517,727
3,503,191
2,703,676
2,654,265