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News Release NEWS RELEASE Apr 27, 2020 R&I Affirms A, Stable: Hokuhoku Financial Group, Inc., The Hokuriku Bank, Ltd., The Hokkaido Bank, Ltd. Rating and Investment Information, Inc. (R&I) has announced the following: ISSUER: Hokuhoku Financial Group, Inc. Issuer Rating: A, Affirmed Rating Outlook: Stable ISSUER: The Hokuriku Bank, Ltd. Issuer Rating: A, Affirmed Rating Outlook: Stable ISSUER: The Hokkaido Bank, Ltd. Issuer Rating: A, Affirmed Rating Outlook: Stable RATIONALE: Hokuhoku Financial Group, Inc. The Hokuhoku Financial Group is a regional financial group that has The Hokuriku Bank, Ltd. and The Hokkaido Bank, Ltd. under its wing. While Hokuriku Bank operates mainly in Toyama and other two prefectures in the Hokuriku region, Hokkaido Bank operates primarily in Hokkaido. Based on its solid stand-alone revenue/expense and financial structures, as well as a prudent financial management policy, the rating for the holding company is on par with those for the group's core banks, which reflect the group creditworthiness. Hokuriku Bank and Hokkaido Bank have a high market position in their respective main operating regions. The banks are working to establish a sales structure that enables them to solve various issues for customers. In a stepped-up effort to approach customers effectively, they are increasing sales representatives by allocating personnel saved through efficient branch operations and clarification of roles, and also improving skills of such sales representatives. The group's asset quality is sound. Credit risk is low, reflecting the characteristics of the loan portfolio consisting of many highly-creditworthy borrowers. Although proceeds from yen bond redemptions are allocated to diversify investments, market risk is kept below a certain level. Thanks in part to retained earnings accumulation, risk resilience is commensurate with the A rating category. The group's earning capacity is weak for the rating. While earnings from customer transactions are relatively ample, loan and investment yields have declined, which is a primary cause of the low earning capacity. R&I will keep an eye on whether the group is able to maintain and enhance its earning capacity by increasing non-interest income steadily through the provision of solutions to customers while improving cost efficiency further. The spread of the novel coronavirus is causing extensive damage. If economic activities stagnate for a very prolonged period of time, the group's asset quality could weaken. While R&I believes the group has financial strength that allows it to withstand a considerably worsening environment, attention will be paid to future developments. ■Contact : Sales and Marketing Division, Customer Service Dept. TEL. +81-(0)3-6273-7471 E-mail. [email protected] ■Media Contact : Corporate Planning Division (Public Relations) TEL. +81-(0)3-6273-7273 Rating and Investment Information, Inc. TERRACE SQUARE, 3-22 Kanda Nishikicho, Chiyoda-ku, Tokyo 101-0054, Japan https://www.r-i.co.jp Credit ratings are R&I's opinions on an issuer's general capacity to fulfill its financial obligations and the certainty of the fulfillment of its individual obligations as promised (creditworthiness) and are not statements of fact. Further, R&I does not state its opinions about any risks other than credit risk, give advice regarding investment decisions or financial matters, or endorse the merits of any investment. R&I does not undertake any independent verification of the accuracy or other aspects of the related information when issuing a credit rating and makes no related representations or warranties. R&I is not liable in any way for any damage arising in relation to credit ratings (including amendment or withdrawal thereof). As a general rule, R&I issues a credit rating for a fee paid by the issuer. For details, please refer to https://www.r-i.co.jp/en/docs/policy/site.html. ©Rating and Investment Information, Inc. NEWS RELEASE The Hokuriku Bank, Ltd. Hokuriku Bank is a core bank of the Hokuhoku Financial Group, and its rating reflects the group creditworthiness. It is the top bank in Toyama Prefecture and also enjoys a high market position in the three Hokuriku prefectures as a whole. In addition, the bank has a certain franchise in Hokkaido and is responsible for operations in metropolitan areas as well. Its earning capacity is weak for the rating. While earnings from customer transactions are relatively ample, loan and investment yields have declined, which is a primary cause of the low earning capacity. The bank plans to intensify efforts to increase non-interest income and reduce costs. Eyes will be on whether the bank can effectively utilize the consulting structure it has been building up. Asset quality is sound. Thanks in part to reduced securities holdings, its risk resilience is strong for the rating. The Hokkaido Bank, Ltd. Hokkaido Bank is a core bank of the Hokuhoku Financial Group, and its rating reflects the group creditworthiness. In Hokkaido, the bank ranks second only after North Pacific Bank, Ltd. Hokkaido Bank concentrates management resources in the Sapporo area, which has a large market, and pursues efficiency in branch operations in rural areas. Its earning capacity is weak for the rating. While the enhancement of branch operation efficiency has led to relatively ample earnings from customer transactions, loan and investment yields have declined, which is a primary cause of the low earning capacity. Eyes will be on the outcome of the bank's stepped-up efforts to increase non-interest income and reduce costs. Asset quality is sound. Its risk resilience is somewhat low for the A rating category, partly because R&I discounts the equity credit of preferred stock included in equity capital when evaluating risk resilience. The primary rating methodologies applied to this rating are provided at "R&I's Basic Methodology for Corporate Credit Ratings", "Shared Rating Approach for Financial Institutions, etc.", "Depository Financial Institutions" and "R&I's Analytical Approach to Financial Groups". The methodologies are available at the web site listed below, together with other rating methodologies that are taken into consideration when assigning the rating. https://www.r-i.co.jp/en/rating/about/rating_method.html R&I RATINGS: ISSUER: Hokuhoku Financial Group, Inc. (Sec. Code: 8377) Issuer Rating RATING: A, Affirmed RATING OUTLOOK: Stable ISSUER: The Hokuriku Bank, Ltd. Issuer Rating RATING: A, Affirmed RATING OUTLOOK: Stable ISSUER: The Hokkaido Bank, Ltd. Issuer Rating RATING: A, Affirmed RATING OUTLOOK: Stable ■Contact : Sales and Marketing Division, Customer Service Dept. TEL. +81-(0)3-6273-7471 E-mail. [email protected] ■Media Contact : Corporate Planning Division (Public Relations) TEL. +81-(0)3-6273-7273 Rating and Investment Information, Inc. TERRACE SQUARE, 3-22 Kanda Nishikicho, Chiyoda-ku, Tokyo 101-0054, Japan https://www.r-i.co.jp Credit ratings are R&I's opinions on an issuer's general capacity to fulfill its financial obligations and the certainty of the fulfillment of its individual obligations as promised (creditworthiness) and are not statements of fact. Further, R&I does not state its opinions about any risks other than credit risk, give advice regarding investment decisions or financial matters, or endorse the merits of any investment. R&I does not undertake any independent verification of the accuracy or other aspects of the related information when issuing a credit rating and makes no related representations or warranties. R&I is not liable in any way for any damage arising in relation to credit ratings (including amendment or withdrawal thereof). As a general rule, R&I issues a credit rating for a fee paid by the issuer. For details, please refer to https://www.r-i.co.jp/en/docs/policy/site.html. ©Rating and Investment Information, Inc. .
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