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Hokkoku Bank, Ltd

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Hokkoku Bank, Ltd Explanatory Meeting of Financial Results for the First Half of the Fiscal Year Ending March 2019 1. About the Bank 2. Outline Of Financial Statements 3. Loans 4. Securities Investment 5. Management Strategy 6. Corporate Governance 7. Increasing Equity and Return of Profits to Shareholders 1 Corporate Profile Corporate Profile Branch Network Branches in metropolitan Name The Hokkoku Bank, Ltd. areas and overseas Tokyo 1 8363 Stock code (First Section, Tokyo Stock Exchange) Ishikawa Osaka 1 87 Toyama Location of 2-12-6 Hirooka, 11 Nagoya 1 Headquarters Kanazawa, Ishikawa Singapore 1 Fukui Overseas representative Founded December 18, 1943 3 office Shanghai 1 Total Assets 4,801.0 billion yen Loans 2,471.0 billion yen Plaza Base ATM Network Deposits (Excluding negotiable 3,395.1 billion yen ATM networks in three Hokuriku prefectures certificate of deposit) Loan Center 11 S&P : A- (Long term) The Convenience stores Rating Hokkoku Bank (Lawson, Enet, Seven-Eleven) R&I : A+ (Long term) About 1,000 ATMs Money Plaza 5 400 ATMs Total outstanding 29,990 shares thousand shares ＋ The Hokkoku General Leasing Co., Ltd. The Hokkoku Credit Service Co., Ltd. Insurance Plaza 5 Affiliates The Hokkoku Credit Guarantee Co., Ltd. The Hokkoku Management, Ltd. 1 The Hokkoku Servicer, Ltd. 2 1. About the Bank 2. Outline Of Financial Statements 3. Loans 4. Securities Investment 5. Management Strategy 6. Corporate Governance 7. Increasing Equity and Return of Profits to Shareholders 3 Financial Statements for the First Half of the Fiscal Year Ending March 2019 (Overall) • Ordinary income 29,308 million yen (down 845 million yen YOY) • Ordinary profit 8,380 million yen (down 1,363 million yen YOY) • Profit 5,569 million yen (down 1,117 million yen YOY) • Consolidated capital adequacy ratio (global standard) 12.56% (up 0.24% YOY) (1) Outline of profit and loss [Non-consolidated] (Millions of yen) FY2017 FY2018 Change Change (%) first half first half Ordinary income 30,153 29,308 △ 845 △ 2.8% Ordinary profit 9,743 8,380 △ 1,363 △ 13.9% Profit 6,686 5,569 △ 1,117 △ 16.7% Net business profit 8,824 7,356 △ 1,468 △ 16.6% [Consolidated] (Millions of yen) FY2017 FY2018 Change Change (%) first half first half Ordinary income 35,497 34,544 △ 953 △ 2.6% Ordinary profit 10,715 9,088 △ 1,627 △ 15.1% Profit* 7,107 5,814 △ 1,293 △ 18.1% * Profit attributable to owners of parent (2) Capital adequacy ratio End of End of End of Change Sept. 2017 Mar. 2018 Sept. 2018 Consolidated capital 12.84% 12.32% 12.56% 0.24% adequacy ratio 4 Financial Results for the First Half of the Fiscal Year Ending March 2019 (Non-consolidated) • Gross business profit 21,446 million yen (down 1,366 million yen YOY) • Expenses 14,090 million yen (up 102 million yen YOY) • Net business profit 7,356 million yen (down 1,468 million yen YOY) • Ordinary profit 8,380 million yen (down 1,363 million yen YOY) • Profit 5,569 million yen (down 1,117 million yen YOY) （Millions of yen） FY2017 FY2018 Change first half first half Net business profit Down 1,468 million yen YOY Gross business profit 22,812 21,446 △ 1,366 • Gross business profit decreased by 1,366 million yen YOY Net interest income 19,936 18,572 △ 1,364 to 21,446 million yen, despite an increase in fees & Interest on loans and discounts 13,386 13,062 △ 324 commissions, due to decreases both in interest on loans Interest and dividends on securities 7,596 7,161 △ 435 and discounts, and interest and dividends on securities. Interest on deposits, etc. (△) 222 195 △ 27 • Expenses increased 102 million yen YOY to 14,090 million Interest associated with short-term investment yen, mainly due to an increase in non-personnel cost. and fund-procurement, etc. △ 824 △ 1,456 △ 632 Fees & commissions 2,709 2,845 136 Other business profit (Excluding gain/loss on bonds) 167 28 △ 139 Ordinary profit Down 1,363 million yen YOY Expenses (△) 13,988 14,090 102 • Loss (gain) related to securities increased by 511 million Personnel cost (△) 7,242 7,182 △ 60 yen YOY to 1,995 million yen, due to an increase in loss Non-personnel cost (△) 5,772 5,865 93 (gain) on sales of shares. Net business profit 8,824 7,356 △ 1,468 • Amount of credit costs increased by 592 million yen YOY to Loss (gain) related to securities 1,484 1,995 511 1,033 million yen. Amount of credit costs (△) 441 1,033 592 Ordinary profit 9,743 8,380 △ 1,363 Profit Down 1,117 million yen YOY Extraordinary gain/loss △ 406 △ 85 321 • Profit decreased by 1,117 million yen YOY to 5,569 million Income taxes (△) 2,650 2,726 76 yen, due to a decrease in ordinary profit. Profit 6,686 5,569 △ 1,117 5 Forecast of Results for the Fiscal Year Ending March 2019 • Forecast results announced in May 2018 (the “initial forecast”) have been revised upward considering the first half results. • We estimate interim dividend of 40 yen per share and year-end dividend of 40 yen per share. [Non-consolidated] (Full year) （Millions of yen) FY2018 FY2018 (Reference) Difference revised forecast initial forecast FY2017 actual result Ordinary profit 12,000 11,000 1,000 14,741 Profit 8,000 7,000 1,000 9,479 Net business profit 13,000 12,000 1,000 16,694 [Consolidated] (Full year) FY2018 FY2018 (Reference) Difference revised forecast initial forecast FY2017 actual result Ordinary profit 13,500 12,500 1,000 16,367 Profit *1 8,500 7,500 1,000 10,163 *1: Profit attributable to owners of parent ○ Dividend per share (Forecast) FY2015 FY2016 FY2017 *2 FY2018 Annual dividends 8.00 yen 9.00 yen － 80.00 yen Interim dividends 4.00 yen 4.50 yen 4.00 yen 40.00 yen Year-end dividends 4.00 yen 4.50 yen 50.00 yen 40.00 yen *2: On October 1, 2017, the Bank conducted consolidation of shares at the ratio of ten shares of its common stock into one share. The impact of this stock consolidation is taken into consideration in the amount presented for FY2017, and the amount for the annual dividend per share for the same fiscal year is shown as a dash. 1 6 1. About the Bank 2. Outline Of Financial Statements 3. Loans 4. Securities Investment 5. Management Strategy 6. Corporate Governance 7. Increasing Equity and Return of Profits to Shareholders 7 Loans – Balance by Segment – • Total loan balance at the end of the first half increased 101.5 billion yen YOY to 2,471.0 billion yen, reflecting efforts to increase loans to SMEs and individuals in the Bank’s home area of Hokuriku. • Loans to SMEs, etc. increased by 131.2 billion yen YOY and made up 72% of total loans. Yield of loans and loan balance at end of fiscal year Breakdown by area (Billions of yen) End of Sept. End of Mar. End of Sept. Change (from Change (from 2017 2018 2018 Sept. 2017) Sept. 2017) 2,324.4 2,369.5 2,471.0 Total of 3 prefectures 2,134.9 2,194.2 2,242.3 107.4 5.0% in Hokuriku area Ishikawa 1,705.9 1,732.7 1,743.4 37.5 2.1% Toyama 355.1 381.6 407.8 52.7 14.8% Fukui 73.9 79.8 91.0 17.1 23.1% Others 234.6 218.7 228.7 △ 5.9 △ 2.5% Breakdown by company size Breakdown by type (Billions of yen) (Billions of yen) End of Sept. End of Mar. End of Sept. Change (from Change (from End of Sept. End of Mar. End of Sept. Change (from Change (from 2017 2018 2018 Sept. 2017) Sept. 2017) 2017 2018 2018 Sept. 2017) Sept. 2017) Total loans 2,369.5 2,412.9 2,471.0 101.5 4.2% Business loans 1,142.9 1,179.6 1,198.7 55.8 4.8% SMEs, etc. 1,667.7 1,738.7 1,798.9 131.2 7.8% Consumer loans 807.6 850.1 898.4 90.8 11.2% Housing loans (Ratio of SMEs, etc.) 70.3% 72.0% 72.7% 2.4% － 765.3 807.1 855.3 90.0 11.7% Middle market and large Other loans 42.2 43.0 43.1 0.9 2.1% 282.8 291.1 298.2 15.4 5.4% companies, etc. Local governments and Local governments and 419.0 383.1 373.9 △ 45.1 △ 10.7% 419.0 383.1 373.9 △ 45.1 △ 10.7% public corporations public corporations 8 Loans – Status of Activities in Toyama Prefecture – • First branch opened in Nanto City, Toyama Prefecture in March 2017 • 11 branches opened in Toyama Prefecture ⇒ Wide operational coverage of all areas in Toyama Prefecture • Annual growth in loans continues to exceed 10% Branch Network Number of business loan customers 2,743 Uozu Branch 2,8002,800 2,743 Takaoka Branch Opened in July 2013 2,530 Ekinan Branch 2,600 Himi Branch 2,600 2,4002,400 2,2902,290 Shinminato Isurugi 2,1472,147 Branch Branch 2,2002,200 2,0002,000 End of End of End of End of Sept.H27.9 2015末 Sept.H28.9 2016末 Sept.H29.9 2017末 H30.9Sept. 2018末 Total loan balance (Billions of yen) Toyama Branch Toyama Minami Branch Tonami Branch Toyama Tobu Branch Nanto Branch Opened in March 2017 9 Loans – Status of Activities in Fukui Prefecture – • The Tannan Branch opened in August 2018 as the third branch in Fukui Prefecture • In recent years, the number of loan customers and the total loan balance have growth rapidly due to the development of consulting operations and personnel increases Branch Network Number of business loan customers Kanazu Branch 550550 512512 450450 403403 Fukui Branch 328328 350350 277 Tannan Branch 250250 Opened in August H27.9End of末 H28.9End of末 H29.9End of末 H30.9End of末 2018 Sept.
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