フィデアホールディングス（8713） – Financial Digest for the FY2021

May 13, 2022FIDEA Holdings Co. Ltd.Financial Digest for the FY2021Stock exchange listing:URL:Representative:Inquiries:Scheduled date of annual general meeting of shareholders:Scheduled date to commence dividend payments:Scheduled date to file annual securities report:Trading accounts:Supplemental material of quarterly results:Convening briefing of quartely results:Tokyo Prime Market (code : 8713)http://www.fidea.co.jp/Yuichi Tao, President & CEONorio Miyashita, Vice President & CFOJune 24, 2022June 2, 2022June 24, 2022NoYesNo1. Consolidated Financial Highlights (from April 1, 2021 to March 31, 2022)(1) Consolidated operating resultsOrdinary incomeOrdinary profit(Amounts less than one million yen are rounded down)(Percentages indicate year-on-year changes)Profit attributable to owners ofparentMillions of yen51,09453,191%(3.9)4.5Millions of yen6,5726,894%(4.6)140.0Millions of yen3,5063,314%5.7146.1（Note）Comprehensive income FY2021: ¥(3,959)million[－%]; FY2020: ¥9,475million[－%]Basic earnings pershareDiluted earnings pershareReturn on equityRatio of ordinary profitto total assetsRatio of operatingprofit to net salesYen190.15176.41Yen148.59132.89%3.02.8%0.20.2%12.812.9（Note）We adopted the share consolidation of the shares of common stock on the basis of one post-consolidation share per ten pre-consolidationshares effective as of October 1, 2021. The impact from the share consolidation is reflected in the basic earnings per share and the diluted earnings pershare.FY2021FY2020FY2021FY2020(2) Consolidated financial positionAs of December 31, 2021As of March 31, 2021Total assetsNet assetsEquity ratioNet assets per shareMillions of yen3,265,1993,221,460Millions of yen109,223120,073%3.33.7Yen5,732.016,049.00（Reference）Capital assets as of March 31, 2022: ¥108,918million; March 31, 2021: ¥119,779million（Note）“Equity ratio” is calculated by dividing “(Total net assets at end of period – Non-controlling interests at end of period)” by “Total assets at endof period.” This ratio is not based on the public notification of the capital adequacy ratio.（Note）We adopted the share consolidation of the shares of common stock and the shares of Class B prefferd stock on the basis of one post-consolidation share per ten pre-consolidation shares effective as of October 1, 2021. The impact from the share consolidation is reflected in the netassets per share.(3) Consolidated cash flowsFY2021FY20202. Cash dividendsFY2020FY2021FY2022(projection)Cash flows from operatingactivitiesCash flows from investingactivitiesCash flows from financingactivitiesCash and cash equivalents atend of periodMillions of yen85,902469,629Millions of yen34,700(3,141)Millions of yen(7,021)(1,260)Millions of yen722,891609,3011st quarter-endAnnual dividends per share3rd quarter-end2nd quarter-endFiscal year-endTotalTotal cashdividends(Total)Payout ratio(Consolidated)Ratio ofdividends to netassets(Consolidated)Yen–––Yen3.003.7537.50Yen–––Yen3.0037.5037.50Yen Millions of yen6.001,0881,359–75.00%34.039.446.2%1.01.2（Note）We adopted the share consolidation of the shares of common stock on the basis of one post-consolidation share per ten pre-consolidationshares effective as of October 1, 2021. The impact from the share consolidation is reflected in the projection of cash dividends per share of commonstock.3. Forecast of consolidated financial results for Fiscal year 2022 (from April 1, 2022 to March 31, 2023)Ordinary profitProfit attributable to owners ofparentMillions of yen2,4005,300%(46.6)(19.3)Millions of yen1,4003,000%(38.3)(14.4)(Percentages indicate year-on-year changes)Earnings per shareYen75.64162.32FY 2022 H1FY 20224. Notes(1) Material changes in subsidiaries during this period　　(changes in specified subsidiaries resulting in the change in scope of consolidation):(2) Changes in accounting policies, accounting estimates and retrospective restatementChanges in accounting policies based on revisions of accounting standard:Changes in accounting policies other than ones based on rivisions of accounting standard:Changes in accounting estimates:Retrospective restatement:(3) Number of issued and outstanding shares (common shares)Total number of issued shares at the end of the period (including treasury sheres)NoYesNoNoNoAs of March 31, 202218,142,122 sharesAs of March 31, 202118,142,122 sharesNumber of treasury sheres at the end of the periodAs of March 31, 202217,635 sharesAs of March 31, 20213,172 sharesAverage number of shares during the period (cumulative from the beginning of the fiscal year)As of March 31, 202218,139,012 shares（Note）We adopted the share consolidation of the shares of common stock on the basis of one post-consolidation share per ten pre-consolidationshares effective as of October 1, 2021. The impact from the share consolidation is reflected in the number of issued shares, tresury shares and theaverage number of shares.As of March 31, 202118,134,523 shares「Cash dividends on class shares」　　The following provides a breakdown of the dividends per share related to class shares with different relationship of interest from the common shares.Class B preferred stockFY2020FY2021FY2021(projection)Annual dividends per share1st quarter-end 2nd quarter-end 3rd quarter-end Fiscal year-endTotalYen–––Yen2.292.3123.20Yen–––Yen2.2923.1223.20Yen4.58–46.40Total cash dividends(Total)Millions of yen11457（Note）We adopted the share consolidation of the shares of common stock on the basis of one post-consolidation share per ten pre-consolidationshares effective as of October 1, 2021. The impact from the share consolidation is reflected in the projection of cash dividends per share.※This Financial Digest for the FY2021 is not subject to auditing by certified public accountants or an audit corporation.5. Consolidated financial statements (1) Consolidated balance sheets (Millions of yen) － 1 － 科目（Japanese）Assets資産の部Cash and due from banks現金預け金612,331725,949Monetary claims bought買入金銭債権3,7753,811Trading securities商品有価証券553589Money held in trust金銭の信託47,35851,717Securities有価証券729,245680,385Loans and bills discounted貸出金1,731,2241,712,140Foreign exchanges外国為替1,6041,963Lease receivables and investments in leasesリース債権及びリース投資資産4,2495,091Other assetsその他資産56,55349,641Tangible fixed assets有形固定資産24,16723,518Buildings, net建物13,50212,951Land土地8,5588,290Leased assets, netリース資産4121Construction in progress建設仮勘定237－Otherその他の有形固定資産1,8272,254Intangible fixed assets無形固定資産2,5162,280Softwareソフトウェア2,2882,090Goodwillのれん7444Otherその他の無形固定資産153145Retirement benefit asset退職給付に係る資産7341,081Deferred tax assets繰延税金資産1,2932,662Customers’ liabilities for acceptances and guarantees支払承諾見返19,40117,958Allowance for loan losses貸倒引当金(13,549)(13,593)Total assets資産の部合計3,221,4603,265,199Liabilities負債の部Deposits預金2,593,3562,656,962Negotiable certificates of deposit譲渡性預金57,15254,867Cash collateral received for securities lent債券貸借取引受入担保金75,99952,825Borrowed money借用金323,700343,800Foreign exchanges外国為替1658Other liabilitiesその他負債26,55425,758Provision for bonuses for directors (and other officers)役員賞与引当金3045Retirement benefit liability退職給付に係る負債614645Provision for reimbursement of deposits睡眠預金払戻損失引当金239126Provision for contingent loss偶発損失引当金443459Deferred tax liabilities繰延税金負債3,4242,040Deferred tax liabilities for land revaluation再評価に係る繰延税金負債454416Acceptances and guarantees支払承諾19,40117,958Total liabilities負債の部合計3,101,3873,155,965Net assets純資産の部Share capital資本金18,00018,000Capital surplus資本剰余金29,19723,550Retained earnings利益剰余金53,56455,942Treasury shares自己株式(6)(24)Total shareholders’ equity株主資本合計100,75697,468Valuation difference on available-for-sale securitiesその他有価証券評価差額金18,25510,317Deferred gains or losses on hedges繰延ヘッジ損益(387)(203)Revaluation reserve for land土地再評価差額金1,000914Remeasurements of defined benefit plans退職給付に係る調整累計額154421Total accumulated other comprehensive incomeその他の包括利益累計額合計19,02311,449Non-controlling interests非支配株主持分293314Total net assets純資産の部合計120,073109,223Total liabilities and net assets負債及び純資産の部合計3,221,4603,265,199As ofMarch 31,2021As ofMarch 31,2022 (2) Consolidated statements of income and consolidated statements of comprehensive income Consolidated statements of income (Millions of yen) － 2 － 科目（Japanese）Ordinary income経常収益53,19151,094Interest income資金運用収益32,57430,504Interest on loans and discounts（貸出金利息）19,47718,450Interest and dividends on securities（有価証券利息配当金）12,96111,366Interest on call loans and bills bought（コールローン利息及び買入手形利息）(13)(0)Interest on deposits with banks（預け金利息）139679Other interest income（その他の受入利息）109Fees and commissions役務取引等収益8,3288,500Other ordinary incomeその他業務収益7,7377,641Otherその他経常収益4,5504,446Recoveries of written off receivables（償却債権取立益）57106Other income（その他の経常収益）4,4934,339Ordinary expenses経常費用46,29644,521Interest expenses資金調達費用498164Interest on deposits（預金利息）357135Interest on negotiable certificates of deposit（譲渡性預金利息）94Interest on call money and bills sold（コールマネー利息及び売渡手形利息）71(25)Interest expenses on cash collateral received forsecurities lent（債券貸借取引支払利息）5242Interest on borrowings and rediscounts（借用金利息）00Other interest expenses（その他の支払利息）77Fees and commissions payments役務取引等費用3,6153,457Other ordinary expensesその他業務費用11,2229,842General and administrative expenses営業経費26,78125,702Other expensesその他経常費用4,1785,354Provision of allowance for loan losses（貸倒引当金繰入額）1,7552,116Other（その他の経常費用）2,4233,237Ordinary profit経常利益6,8946,572Extraordinary income特別利益1416Gain on disposal of non-current assets固定資産処分益1362Subsidy income補助金収入53Extraordinary losses特別損失1,721950Loss on disposal of non-current assets固定資産処分損824287Impairment losses減損損失891659Loss on tax purpose reduction entry of non-current assets固定資産圧縮損53Profit before income taxes税金等調整前当期純利益5,3145,628Income taxes – current法人税、住民税及び事業税1,9131,579Income taxes – deferred法人税等調整額84517Total income taxes法人税等合計1,9982,097Profit当期純利益3,3153,531Profit attributable to non-controlling interests非支配株主に帰属する当期純利益125Profit attributable to owners of parent親会社株主に帰属する当期純利益3,3143,506FY 2020FY 2021 Consolidated statements of comprehensive income (Millions of yen) － 3 － 科目（Japanese）Profit当期純利益3,3153,531Other comprehensive incomeその他の包括利益6,159(7,491)Valuation difference on available-for-sale securitiesその他有価証券評価差額金6,399(7,943)Deferred gains or losses on hedges繰延ヘッジ損益(561)184Remeasurements of defined benefit plans, net of tax退職給付に係る調整額321267Comprehensive income包括利益9,475(3,959)(Breakdown)（内訳）Comprehensive income attributable to owners of parent親会社株主に係る当期包括利益9,465(3,981)Comprehensive income attributable to non-controllinginterests非支配株主に係る当期包括利益921FY 2020FY 2021 (3) Consolidated statements of changes in net assets FY 2020 (Millions of yen) － 4 － Share capitalCapital surplusRetained earningsTreasury sharesTotal 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Balance at beginning of period当期首残高18,00029,19751,398(5)98,590Changes during period当期変動額Dividends of surplus剰余金の配当(1,202)(1,202)Profit attributable to owners ofparent親会社株主に帰属する当期純利益3,3143,314Purchase of treasury shares自己株式の取得(0)△0Disposal of treasury shares自己株式の処分(0)00Reversal of revaluationreserve for land土地再評価差額金の取崩5454Net changes in items otherthan shareholders’ equity株主資本以外の項目の当期変動額（純額）Total changes during period当期変動額合計－(0)2,166(0)2,166Balance at end of period当期末残高18,00029,19753,564(6)100,756科目(Japanese)Shareholders’ equity株主資本Valuationdifference onavailable-for-salesecuritiesDeferredgains orlosses onhedgesRevaluationreserve forlandRemeasurements ofdefinedbenefit plansTotalaccumulatedothercomprehensive income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退職給付に係る調整累計額その他の包括利益累計額合計非支配株主持分純資産合計Balance at beginning of period当期首残高11,8651731,054(167)12,926283111,800Changes during period当期変動額Dividends of surplus剰余金の配当(1,202)Profit attributable to owners ofparent親会社株主に帰属する当期純利益3,314Purchase of treasury shares自己株式の取得(0)Disposal of treasury shares自己株式の処分0Reversal of revaluationreserve for land土地再評価差額金の取崩54Net changes in items otherthan shareholders’ equity株主資本以外の項目の当期変動額（純額）6,390(561)(54)3216,09696,106Total changes during period当期変動額合計6,390(561)(54)3216,09698,272Balance at end of period当期末残高18,255(387)1,00015419,023293120,073Accumulated other comprehensive incomeNon-controllinginterestsTotal netassetsその他の包括利益累計額 FY 2021 (Millions of yen) － 5 － Share capitalCapital surplusRetained earningsTreasury sharesTotal 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Balance at beginning of period当期首残高18,00029,19753,564(6)100,756Cumulative effects of changesin accounting policies会計方針の変更による累積的影響額9696Restated balance会計方針の変更を反映した当期首残高18,00029,19753,660(6)100,852Changes during period当期変動額Dividends of surplus剰余金の配当(1,310)(1,310)Profit attributable to owners ofparent親会社株主に帰属する当期純利益3,5063,506Purchase of treasury shares自己株式の取得(5,665)(5,665)Disposal of treasury shares自己株式の処分(0)00Cancellation of treasuryshares自己株式の消却(5,647)5,647－Reversal of revaluationreserve for land土地再評価差額金の取崩8686Net changes in items otherthan shareholders’ equity株主資本以外の項目の当期変動額（純額）Total changes during period当期変動額合計－(5,647)2,281(18)(3,383)Balance at end of period当期末残高18,00023,55055,942(24)97,468科目(Japanese)Shareholders’ equity株主資本Valuationdifference onavailable-for-salesecuritiesDeferredgains orlosses onhedgesRevaluationreserve forlandRemeasurements ofdefinedbenefit plansTotalaccumulatedothercomprehensive income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退職給付に係る調整累計額その他の包括利益累計額合計非支配株主持分純資産合計Balance at beginning of period当期首残高18,255(387)1,00015419,023293120,073Cumulative effects of changesin accounting policies会計方針の変更による累積的影響額96Restated balance会計方針の変更を反映した当期首残高18,255(387)1,00015419,023293120,169Changes during period当期変動額Dividends of surplus剰余金の配当(1,310)Profit attributable to owners ofparent親会社株主に帰属する当期純利益3,506Purchase of treasury shares自己株式の取得(5,665)Disposal of treasury shares自己株式の処分0Cancellation of treasuryshares自己株式の消却－Reversal of revaluationreserve for land土地再評価差額金の取崩86Net changes in items otherthan shareholders’ equity株主資本以外の項目の当期変動額（純額）(7,938)184(86)267(7,573)21(7,552)Total changes during period当期変動額合計(7,938)184(86)267(7,573)21(10,935)Balance at end of period当期末残高10,317(203)91442111,449314109,233Accumulated other comprehensive incomeNon-controllinginterestsTotal netassetsその他の包括利益累計額Financial Data for the Fiscal Year 2021 (Ended March 31, 2022) 【 Contents 】 I. Overview of FY2021 financial results 1. Profit and loss 2. Net business profits 3. Interest margin 4. Gains and losses on securities 5. Capital adequacy ratio 6. ROE (Return on equity) 7. OHR (Over head ratio) II. Status of loans, etc. 1. Allowance of loan losses 2. Loans based on the Financial Reconstruction Law 3. Self-assessment results and risk-monitored loans (loans based on the Financial Reconstruction Law) 4. Loans by industry 5. Balance of deposits, loans and securities 6. Personal loans 7. Loans to SMEs, etc. 8. Investment products for individuals 9. Branches and employees III. Valuation gains (losses) on securities 1. Valuation standards of securities 2. Unrealized valuation gains (losses) …………….. 1 …………….. 5 …………….. 6 …………….. 8 ……………..10 ……………..10 ……………..11 ……………..12 ……………..13 ……………..16 ……………..19 ……………..20 ……………..22 ……………..22 ……………..23 ……………..24 ……………..25 ……………..25 I. Overview of FY2021 financial results 1. Profit and loss (1) Consolidated Number of consolidated companies (Definitions of figures used in this document) Consolidated: 2 Banks: FIDEA Holdings (consolidated) Shonai Bank (non-consolidated) + Hokuto Bank (non-consolidated) This material contains forward-looking statements. These statements are not represented as providing a guarantee of the Bank’s future performance, and actual results may be subject to risks and uncertainties. Please note that future performance may be different from the views presented here owing to changes in the operating environment and other factors. Also, please note that this material is an English translation of the Japanese original. Please be advised that there may be some disparities due to such things as differences in nuance that are inherent to the difference in languages although the English translation is prepared to mirror the Japanese original as accurately as possible. － 1 － FY2021FY2020AA – BB経常収益51,094(2,097)53,191業務粗利益33,183(121)33,304コア業務粗利益36,707(1,153)37,861資金利益30,340(1,736)32,076役務取引等利益5,0433314,712その他業務利益(2,200)1,283(3,484)Net gains (losses) on government and other bondsうち国債等債券損益(3,524)1,031(4,556)経費25,639(1,129)26,768実質業務純益7,5431,0086,535コア業務純益11,068(23)11,092(Excludinggains/lossesoncancellationofprivateoffering investment trusts)コア業務純益（除く投資信託解約損益）8,1634387,724一般貸倒引当金繰入額(110)344(454)業務純益7,6536636,990臨時損益(1,080)(985)(95)うち不良債権処理額2,629912,537うち貸倒引当金戻入益― ― ― うち償却債権取立益1064957うち株式等関係損益1,504(1,750)3,255経常利益6,572(321)6,894特別損益(944)635(1,579)税金等調整前当期純利益5,6283145,314法人税、住民税及び事業税1,579(334)1,913法人税等調整額51743284法人税等合計2,097981,998当期純利益3,5312163,315非支配株主に帰属する当期純利益 又は当期純損失（△）25241親会社株主に帰属する当期純利益3,5061913,314与信関係費用2,4123862,026(Millions of yen) Expenses (excluding non-recurrent expense)Netbusinessincome(beforenettransfertogeneralallowance for loan losses) Core net business income Net transfer to general allowance for loan losses① Ordinary income Gross business profit Core gross business profit Net interest income Net fees and commissions Net other business income Net business income Net income Net non-recurrent gains/losses Disposal of non-performing loans② Reversal of allowance for loan losses③ Recoveries of written-off claims④ Gains/losses related to stocks, etc. Ordinary profit Extraordinary income/losses Income before income taxes Income taxes-current Income taxes-deferred Total income taxes Net income attributable to noncontrolling interests Net income attributable to owners of the parentCredit related costs（①＋②－③－④）連結子会社数6 ― 6 持分法適用会社数― ― ― Number of Consolidated SubsidiariesNumber of affiliated companies applicable to the equitymethod (2) 2 banks － 2 － FY2021FY2020AA – BB経常収益46,093(2,677)48,771業務粗利益30,984(210)31,195コア業務粗利益34,509(1,242)35,751国内業務粗利益30,65794129,716コア業務粗利益32,297(1,387)33,685Net interest income資金利益28,071(1,779)29,851Net fees and commissions役務取引等利益4,1294083,721Net other business incomeその他業務利益(1,543)2,312(3,855)国際業務粗利益326(1,151)1,478コア業務粗利益2,2111452,066Net interest income資金利益2,338432,295Net fees and commissions役務取引等利益(7)(13)5Net other business incomeその他業務利益(2,004)(1,182)(822)経費24,274(1,183)25,458人件費11,407(504)11,911物件費11,006(561)11,568税金1,861(117)1,978実質業務純益6,7099725,736コア業務純益10,234(58)10,293(Excludinggains/lossesoncancellationofprivateoffering investment trusts)コア業務純益（除く投資信託解約損益）7,3284036,925一般貸倒引当金繰入額(10)355(365)業務純益6,7206176,102うち国債等債券損益(3,524)1,031(4,556)臨時損益(674)(961)286不良債権処理額2,4842542,230Write-off of loans貸出金償却102102― Transfer to specific allowance for loan losses個別貸倒引当金繰入額2,1891442,045Losses on sales of loansバルクセール売却損8787― Otherその他の不良債権処理額105(79)184貸倒引当金戻入益― ― ― 償却債権取立益1064956株式等関係損益1,505(1,748)3,254Gains on sale株式等売却益3,741(218)3,960Losses on sale株式等売却損2,2321,637595Write-down株式等償却4(106)110退職給付費用（臨時費用処理分）(11)18(30)その他臨時損益1861,011(824)経常利益6,045(343)6,389特別損益(1,309)544(1,854)うち固定資産処分損益(284)405(690)Gains from fixed assets固定資産処分益2(131)134Losses from fixed assets固定資産処分損287(537)825うち固定資産減損損失1,024(138)1,163税引前当期純利益4,7352014,534法人税、住民税及び事業税1,403(369)1,772法人税等調整額36132337法人税等合計1,764(45)1,809当期純利益2,9712462,724与信関係費用2,3675601,807(Millions of yen)Gross business profit(Excluding gains/losses on bond transactions)(Excluding gains/losses on bond transactions)Gross domestic business profit(Excluding gains/losses on bond transactions)Gross international business profitOrdinary incomeNetbusinessincome(beforenettransfertogeneralallowance for loan losses)Expenses (excluding non-recurrent expense)Personnel expensesNon-personnel expensesTaxes(Of which, gains/losses on bond transactions)Net non-recurrent gains/lossesRetirement benefit costsCore net business incomeGains/losses related to stocks, etc.Disposal of non-performing loans②Net transfer to general allowance for loan losses①Net business incomeCredit related costs （①＋②－③－④）Reversal of allowance for loan losses③Recoveries of written-off claims④Extraordinary income/lossesImpairment lossNet IncomeIncome taxes-deferredTotal income taxesIncome taxes-currentIncome before income taxesNet gain (loss) from fixed assetsOrdinary profitOther non-recurrent gains/losses (3) Shonai Bank (non-consolidated) － 3 － FY2021FY2020AA – BB経常収益23,932(3,188)27,120業務粗利益16,028(1,070)17,099コア業務粗利益16,904(3,230)20,135国内業務粗利益15,358(1,203)16,561コア業務粗利益15,684(3,221)18,905Net interest income資金利益14,122(3,176)17,299Net fees and commissions役務取引等利益1,549861,463Net other business incomeその他業務利益(314)1,887(2,201)国際業務粗利益670132538コア業務粗利益1,220(9)1,230Net interest income資金利益1,281(65)1,346Net fees and commissions役務取引等利益(2)(6)3Net other business incomeその他業務利益(607)203(811)経費12,275(765)13,041人件費5,884(253)6,137物件費5,456(461)5,917税金935(51)986実質業務純益3,752(305)4,057コア業務純益4,628(2,465)7,094(Excludinggains/lossesoncancellationofprivateoffering investment trusts)コア業務純益（除く投資信託解約損益）4,100(343)4,444一般貸倒引当金繰入額39476(437)業務純益3,713(781)4,494うち国債等債券損益(876)2,159(3,036)臨時損益(245)399(644)不良債権処理額1,417(176)1,593Write-off of loans貸出金償却102102― Transfer to specific allowance for loan losses個別貸倒引当金繰入額1,216(285)1,502Losses on sales of loansバルクセール売却損8787― Otherその他の不良債権処理額10(80)91貸倒引当金戻入益― ― ― 償却債権取立益― △ 0 0株式等関係損益1,049(689)1,738Gains on sale株式等売却益2,3473711,975Losses on sale株式等売却損1,2971,159137Write-down株式等償却0(98)99退職給付費用（臨時費用処理分）(7)58(66)その他臨時損益114970(856)経常利益3,467(382)3,849特別損益(551)475(1,027)うち固定資産処分損益(115)200(315)Gains from fixed assets固定資産処分益1(90)91Losses from fixed assets固定資産処分損116(290)407うち固定資産減損損失435(275)711税引前当期純利益2,916932,822法人税、住民税及び事業税1,025(338)1,363法人税等調整額334441(107)法人税等合計1,3591031,256当期純利益1,557(9)1,566与信関係費用1,4562991,156(Millions of yen)Credit related costs （①＋②－③－④）Reversal of allowance for loan losses③Recoveries of written-off claims④Net IncomeIncome taxes-deferredTotal income taxesExtraordinary income/lossesIncome taxes-currentIncome before income taxesImpairment lossNet gain (loss) from fixed assetsOrdinary profitRetirement benefit costsOther non-recurrent gains/losses(Of which, gains/losses on bond transactions)Core net business incomeNet transfer to general allowance for loan losses①Gains/losses related to stocks, etc.Net non-recurrent gains/lossesDisposal of non-performing loans②Net business incomeNetbusinessincome(beforenettransfertogeneralallowance for loan losses)Expenses (excluding non-recurrent expense)Personnel expensesTaxesNon-personnel expensesGross business profit(Excluding gains/losses on bond transactions)(Excluding gains/losses on bond transactions)Gross domestic business profit(Excluding gains/losses on bond transactions)Gross international business profitOrdinary income (4) Hokuto Bank (non-consolidated) － 4 － FY2021FY2020AA – BB経常収益22,16051021,650業務粗利益14,95586014,095コア業務粗利益17,6041,98815,616国内業務粗利益15,2992,14413,155コア業務粗利益16,6131,83314,779Net interest income資金利益13,9481,39612,551Net fees and commissions役務取引等利益2,5793222,257Net other business incomeその他業務利益(1,228)425(1,653)国際業務粗利益(343)(1,284)940コア業務粗利益990154836Net interest income資金利益1,057108949Net fees and commissions役務取引等利益(4)(6)2Net other business incomeその他業務利益(1,396)(1,385)(10)経費11,998(417)12,416人件費5,522(251)5,774物件費5,550(100)5,650税金925(65)991実質業務純益2,9571,2781,679コア業務純益5,6052,4063,199(Excludinggains/lossesoncancellationofprivateoffering investment trusts)コア業務純益（除く投資信託解約損益）3,2287472,481一般貸倒引当金繰入額(49)(120)71業務純益3,0061,3981,607うち国債等債券損益(2,648)(1,128)(1,520)臨時損益(428)(1,360)931不良債権処理額1,067430636Write-off of loans貸出金償却― ― ― Transfer to specific allowance for loan losses個別貸倒引当金繰入額972429542Losses on sales of loansバルクセール売却損― ― ― Otherその他の不良債権処理額94093貸倒引当金戻入益― ― ― 償却債権取立益1065056株式等関係損益455(1,059)1,515Gains on sale株式等売却益1,394(589)1,984Losses on sale株式等売却損935478457Write-down株式等償却3(8)11退職給付費用（臨時費用処理分）(3)(39)36その他臨時損益724031経常利益2,577382,539特別損益(758)68(827)うち固定資産処分損益(169)205(375)Gains from fixed assets固定資産処分益1(40)42Losses from fixed assets固定資産処分損171(246)417うち固定資産減損損失588136452税引前当期純利益1,8181071,711法人税、住民税及び事業税378(30)408法人税等調整額26(117)144法人税等合計405(148)553当期純利益1,4132551,158与信関係費用911260650(Millions of yen)Expenses (excluding non-recurrent expense)Personnel expensesNon-personnel expensesTaxesGross business profit(Excluding gains/losses on bond transactions)(Excluding gains/losses on bond transactions)Ordinary incomeGross domestic business profit(Excluding gains/losses on bond transactions)Gross international business profitNet transfer to general allowance for loan losses①Netbusinessincome(beforenettransfertogeneralallowance for loan losses)Core net business incomeRecoveries of written-off claims④(Of which, gains/losses on bond transactions)Net non-recurrent gains/lossesNet business incomeOrdinary profitGains/losses related to stocks, etc.Disposal of non-performing loans②Reversal of allowance for loan losses③Other non-recurrent gains/lossesRetirement benefit costsCredit related costs （①＋②－③－④）Extraordinary income/lossesImpairment lossNet IncomeIncome taxes-deferredTotal income taxesIncome before income taxesIncome taxes-currentNet gain (loss) from fixed assets 2. Net business profits (1) 2 banks (2) Shonai Bank (non-consolidated) (3) Hokuto Bank (non-consolidated) *Par head uses the average number of employees during the period. － 5 － FY2021FY2020AA – BBコア業務純益10,234 (58)10,293 Per head (in thousands of yen)職員一人当たり（千円）7,964 5597,405 実質業務純益6,709 9725,736 Per head (in thousands of yen)職員一人当たり（千円）5,221 1,0944,127 業務純益6,720 6176,102 Per head (in thousands of yen)職員一人当たり（千円）5,229 8394,390 (Millions of yen)Core net business incomeNetbusinessincome(beforetransfertogeneralallowance for loan losses)Net business incomeFY2021FY2020AA – BBコア業務純益4,628 (2,465)7,094 Per head (in thousands of yen)職員一人当たり（千円）6,981 (3,037)10,019 実質業務純益3,752 (305)4,057 Per head (in thousands of yen)職員一人当たり（千円）5,660 (71)5,731 業務純益3,713 (781)4,494 Per head (in thousands of yen)職員一人当たり（千円）5,601 (747)6,348 (Millions of yen)Core net business incomeNetbusinessincome(beforetransfertogeneralallowance for loan losses)Net business incomeFY2021FY2020AA – BBコア業務純益5,605 2,4063,199 Per head (in thousands of yen)職員一人当たり（千円）9,012 4,3214,691 実質業務純益2,957 1,2781,679 Per head (in thousands of yen)職員一人当たり（千円）4,754 2,2922,461 業務純益3,006 1,3981,607 Per head (in thousands of yen)職員一人当たり（千円）4,833 2,4752,357 (Millions of yen)Netbusinessincome(beforetransfertogeneralallowance for loan losses)Net business incomeCore net business income 3. Interest margin (1) 2 banks (2) Shonai Bank (non-consolidated) － 6 － All branches:(%)FY2021FY2020AA – BB①資金運用利回1.21(0.04)1.25Average yield on loans and bills discounted貸出金利回1.07(0.05)1.12Average yield on securities有価証券利回1.55(0.14)1.69②資金調達原価0.77(0.12)0.89Averageyieldondepositsandnegotiablecertificates of deposit預金等利回0.00(0.01)0.01Averageyieldoncallmoneyandborrowedmoney外部負債利回(0.00)(0.03)0.03① － ②総資金利鞘0.440.080.36Average yield on interest bearing liabilitiesAverage interest rate spreadAverage yield on interest earning assetsDomestic business segment:(%)FY2021FY2020AA – BB①資金運用利回1.13(0.05)1.18Average yield on loans and bills discounted貸出金利回1.07(0.05)1.12Average yield on securities有価証券利回1.41(0.19)1.60②資金調達原価0.75(0.12)0.87Averageyieldondepositsandnegotiablecertificates of deposit預金等利回0.00(0.01)0.01Averageyieldoncallmoneyandborrowedmoney外部負債利回(0.00)0.00(0.00)① － ②総資金利鞘0.380.070.31Average yield on interest bearing liabilitiesAverage yield on interest earning assetsAverage interest rate spreadAll branches:(%)FY2021FY2020AA – BB①資金運用利回1.25(0.21)1.46Average yield on loans and bills discounted貸出金利回1.10(0.06)1.16Average yield on securities有価証券利回1.54(0.62)2.16②資金調達原価0.75(0.14)0.89Averageyieldondepositsandnegotiablecertificates of deposit預金等利回0.00(0.01)0.01Averageyieldoncallmoneyandborrowedmoney外部負債利回(0.00)(0.02)0.02① － ②総資金利鞘0.50(0.07)0.57Average yield on interest earning assetsAverage interest rate spreadAverage yield on interest bearing liabilities (3) Hokuto Bank (non-consolidated) － 7 － Domestic business segment:(%)FY2021FY2020AA – BB①資金運用利回1.16(0.23)1.39Average yield on loans and bills discounted貸出金利回1.10(0.06)1.16Average yield on securities有価証券利回1.38(0.73)2.11②資金調達原価0.73(0.13)0.86Averageyieldondepositsandnegotiablecertificates of deposit預金等利回0.00(0.01)0.01Averageyieldoncallmoneyandborrowedmoney外部負債利回(0.00)0.00(0.00)① － ②総資金利鞘0.43(0.10)0.53Average yield on interest earning assetsAverage yield on interest bearing liabilitiesAverage interest rate spreadAll branches:(%)FY2021FY2020AA – BB①資金運用利回1.180.141.04Average yield on loans and bills discounted貸出金利回1.04(0.03)1.07Average yield on securities有価証券利回1.550.391.16②資金調達原価0.78(0.10)0.88Averageyieldondepositsandnegotiablecertificates of deposit預金等利回0.000.000.00Averageyieldoncallmoneyandborrowedmoney外部負債利回(0.01)(0.04)0.03① － ②総資金利鞘0.400.240.16Average interest rate spreadAverage yield on interest earning assetsAverage yield on interest bearing liabilitiesDomestic business segment:(%)FY2021FY2020AA – BB①資金運用利回1.100.120.98Average yield on loans and bills discounted貸出金利回1.04(0.03)1.07Average yield on securities有価証券利回1.450.421.03②資金調達原価0.78(0.11)0.89Averageyieldondepositsandnegotiablecertificates of deposit預金等利回0.000.000.00Averageyieldoncallmoneyandborrowedmoney外部負債利回(0.01)0.00(0.01)① － ②総資金利鞘0.320.230.09Average interest rate spreadAverage yield on interest earning assetsAverage yield on interest bearing liabilities 4. Gains and losses on securities (1) Consolidated (2) 2 banks － 8 － FY2021FY2020AA – BB国債等債券損益(3,524)1,031(4,556)Gains on sales売却益2,876(726)3,603Gains on redemption償還益― ― ― Losses on sales売却損6,401(1,758)8,159Losses on redemption償還損― ― ― Write-offs償却― ― ― 株式等関係損益1,504(1,750)3,255Gains on sales売却益3,741(219)3,961Losses on sales売却損2,2321,637595Write-offs償却4(106)111(Millions of yen)Gains (losses) on bonds（Government bonds, etc.）Gains/losses related to stocks, etc.FY2021FY2020AA – BB国債等債券損益(3,524)1,031(4,556)Gains on sales売却益2,876(726)3,603Gains on redemption償還益― ― ― Losses on sales売却損6,401(1,758)8,159Losses on redemption償還損― ― ― Write-offs償却― ― ― 株式等関係損益1,505(1,748)3,254Gains on sales売却益3,741(218)3,960Losses on sales売却損2,2321,637595Write-offs償却4(106)110(Millions of yen)Gains (losses) on bonds（Government bonds, etc.）Gains/losses related to stocks, etc. (3) Shonai Bank (non-consolidated) (4) Hokuto Bank (non-consolidated) － 9 － FY2021FY2020AA – BB国債等債券損益(876)2,159(3,036)Gains on sales売却益1,697(104)1,802Gains on redemption償還益― ― ― Losses on sales売却損2,574(2,263)4,838Losses on redemption償還損― ― ― Write-offs償却― ― ― 株式等関係損益1,049(689)1,738Gains on sales売却益2,3473711,975Losses on sales売却損1,2971,159137Write-offs償却0(98)99(Millions of yen)Gains (losses) on bonds（Government bonds, etc.）Gains/losses related to stocks, etc.FY2021FY2020AA – BB国債等債券損益(2,648)(1,128)(1,520)Gains on sales売却益1,178(622)1,801Gains on redemption償還益― ― ― Losses on sales売却損3,8275053,321Losses on redemption償還損― ― ― Write-offs償却― ― ― 株式等関係損益455(1,059)1,515Gains on sales売却益1,394(589)1,984Losses on sales売却損935478457Write-offs償却3(8)11(Millions of yen)Gains/losses related to stocks, etc.Gains (losses) on bonds（Government bonds, etc.） 5. Capital adequacy ratio (Domestic standard) (1) Consolidated (2) Shonai Bank (non-consolidated) (3) Hokuto Bank (non-consolidated) 6. ROE (Return on equity) (1) Consolidated － 10 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC(1)Capital adequacy ratio　(2)÷(3)連結自己資本比率9.52％ 0.26％ (0.09％ )9.26％ 9.61％ (2)Capital連結における自己資本の額99,391 1,035(3,194)98,355 102,585 (3)Total risk weighted assetsリスク･アセットの額1,043,706 (17,518)(23,143)1,061,225 1,066,850 (4)Total required capital　(3)×4％連結総所要自己資本額41,748 (700)(925)42,449 42,674 (Millions of yen) As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC(1)Capital adequacy ratio　(2)÷(3)連結自己資本比率10.21％ 0.18％ 0.46％ 10.03％ 9.75％ (2)Capital連結における自己資本の額56,109 1971,05955,911 55,049 (3)Total risk weighted assetsリスク･アセットの額549,379 (7,961)(14,797)557,341 564,177 (4)Total required capital　(3)×4％連結総所要自己資本額21,975 (318)(591)22,293 22,567 (Millions of yen) As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC(1)Capital adequacy ratio　(2)÷(3)連結自己資本比率9.80％ 0.26％ (0.79％ )9.54％ 10.59％ (2)Capital連結における自己資本の額47,910 393(4,709)47,516 52,620 (3)Total risk weighted assetsリスク･アセットの額488,409 (9,354)(8,135)497,764 496,544 (4)Total required capital　(3)×4％連結総所要自己資本額19,536 (374)(325)19,910 19,861 (Millions of yen)(%)FY2021FY2020AA – BBコア業務純益ベース9.670.089.59実質業務純益ベース6.590.945.65業務純益ベース6.690.656.04当期純利益ベース3.060.202.86Core Net business income basisNet business income basisNetbusinessincomebasis(beforenettransferto general allowance for loan losses)Net income basis (2) Shonai Bank (non-consolidated) (3) Hokuto Bank (non-consolidated) 7. OHR (Over head ratio) (1) Consolidated (2) Shonai Bank (non-consolidated) (3) Hokuto Bank (non-consolidated) － 11 － (%)FY2021FY2020AA – BBコア業務純益ベース7.00(3.82)10.82実質業務純益ベース5.67(0.52)6.19業務純益ベース5.61(1.24)6.85当期純利益ベース2.35(0.04)2.39Core Net business income basisNetbusinessincomebasis(beforenettransferto general allowance for loan losses)Net income basisNet business income basis(%)FY2021FY2020AA – BBコア業務純益ベース10.264.685.58実質業務純益ベース5.412.492.92業務純益ベース5.502.702.80当期純利益ベース2.580.562.02Net business income basisNet income basisNetbusinessincomebasis(beforenettransferto general allowance for loan losses)Core Net business income basis(%)FY2021FY2020AA – BBコア業務粗利益ベース69.84(0.86)70.70業務粗利益ベース77.26(3.11)80.37Core gross business profit basisGross business profit basis(%)FY2020FY2019AA – BBコア業務粗利益ベース72.617.8564.76業務粗利益ベース76.580.3276.26Core gross business profit basisGross business profit basis(%)FY2020FY2019AA – BBコア業務粗利益ベース68.15(11.36)79.51業務粗利益ベース80.22(7.86)88.08Gross business profit basisCore gross business profit basis II. Status of loans, etc. 1. Allowance of loan losses (1) Consolidated (2) 2 banks (3) Shonai Bank (non-consolidated) (4) Hokuto Bank (non-consolidated) － 12 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCAllowance for loan losses貸倒引当金13,593(307)4413,90013,549General allowance forloan losses一般貸倒引当金4,261451(110)3,8104,371Specific allowance forloan losses個別貸倒引当金9,331(758)15410,0909,177(Millions of yen) As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCAllowance for loan losses貸倒引当金11,986(121)25712,10811,729General allowance forloan losses一般貸倒引当金3,698494(10)3,2043,708Specific allowance forloan losses個別貸倒引当金8,288(615)2678,9038,020(Millions of yen) As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCAllowance for loan losses貸倒引当金7,059(26)1707,0856,889General allowance forloan losses一般貸倒引当金1,347336391,0111,308Specific allowance forloan losses個別貸倒引当金5,712(362)1316,0745,581(Millions of yen) As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCAllowance for loan losses貸倒引当金4,927(95)865,0224,840General allowance forloan losses一般貸倒引当金2,351158(49)2,1932,400Specific allowance forloan losses個別貸倒引当金2,576(253)1362,8292,439(Millions of yen) 2. Loans based on the Financial Reconstruction Law (1) 2 banks (Coverage ratio of loans based on the Financial Reconstruction Laws as of Mar. 31, 2022) *Shonai Bank does not implements partial direct write-off executed. When the Shonai Bank implements partial direct write-off executed － 13 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC破産更生債権及びこれらに準ずる債権7,115(785)(1,858)7,9018,974Doubtful claims危険債権22,7345694,18122,16418,552Claims requiring monitoring要管理債権1,4419624174791,024Loans past due 3 month or moreうち三月以上延滞債権― ― ― ― ― Restructured loansうち貸出条件緩和債権1,4419624174791,024Subtotal①小　計31,2917462,74030,54528,551Normal claims正常債権1,742,21310,345(16,886)1,731,8671,759,100Total②総与信1,773,50511,092(14,146)1,762,4121,787,651Ratio of disclosed claims under the FinancialReconstruction Law①÷②総与信に占める割合1.76％ 0.03％ 0.17％ 1.73％ 1.59％ (Millions of yen)Bankrupt and substantially bankrupt claimsTotaldisclosedclaims underthe FinancialReconstruction Law Coverage amountCoverageratio債権額保全額保全率(C)(D)Reserve forspecificdebtorsPortioncovered byallowance(D)÷(C)担保保証等貸倒引当金Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権7,115 7,115 4,125 2,990 100.00％ Doubtful claims危険債権22,734 20,719 15,420 5,298 91.13％ Claims requiring monitoring要管理債権1,441 894 549 344 62.02％ Loans past due 3 month or moreうち三月以上延滞債権― ― ― ― ― Restructured loansうち貸出条件緩和債権1,441 894 549 344 62.02％ Subtotal①小　計31,291 28,729 20,096 8,632 91.81％ (Millions of yen)After partialdirect write-off executedBefore partialdirect write-off executedAB部分直接償却後部分直接償却前Disclosed claims on the Financial Reconstruction Law金融再生法開示債権29,40531,291(1,886)Total loans based on the Financial Reconstruction Law総与信1,771,6181,773,505(1,886)総与信に占める割合1.65％ 1.76％ (0.11％)(Millions of yen)As of Mar. 31, 2022A – BRatio of disclosed claims under the FinancialReconstruction Law (2) Shonai Bank (non-consolidated) (Coverage ratio of loans based on the Financial Reconstruction Laws as of Mar. 31, 2022) *Shonai Bank does not implements partial direct write-off executed. When the Shonai Bank implements partial direct write-off executed － 14 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCBankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権4,283(864)(2,143)5,1486,426Doubtful claims危険債権13,699(1)1,29313,70112,406Claims requiring monitoring要管理債権84761316233830Loans past due 3 month or moreうち三月以上延滞債権― ― ― ― ― Restructured loansうち貸出条件緩和債権84761316233830Subtotal①小　計18,830(252)(833)19,08219,663Normal claims正常債権857,046(757)(12,783)857,804869,830Total②総与信875,876(1,010)(13,616)876,887889,493Ratio of disclosed claims under the FinancialReconstruction Law①÷②総与信に占める割合2.14％ (0.03％)(0.07％)2.17％ 2.21％ (Millions of yen)Totaldisclosedclaims underthe FinancialReconstructio Coverage amountCoverageratio債権額保全額保全率(C)(D)Reserve forspecificdebtorsPortioncovered byallowance(D)÷(C)担保保証等貸倒引当金Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権4,283 4,283 2,273 2,010 100.00％ Doubtful claims危険債権13,699 12,951 9,249 3,702 94.54％ Claims requiring monitoring要管理債権847 571 244 327 67.48％ Loans past due 3 month or moreうち三月以上延滞債権― ― ― ― ― Restructured loansうち貸出条件緩和債権847 571 244 327 67.48％ Subtotal①小　計18,830 17,807 11,767 6,039 94.56％ (Millions of yen)After partialdirect write-off executedBefore partialdirect write-off executedAB部分直接償却後部分直接償却前Disclosed claims on the Financial Reconstruction Law金融再生法開示債権16,94318,830(1,886)Total loans based on the Financial Reconstruction Law総与信873,990875,876(1,886)総与信に占める割合1.93％ 2.14％ (0.21％)(Millions of yen)As of Mar. 31, 2022A – BRatio of disclosed claims under the FinancialReconstruction Law (3) Hokuto Bank (non-consolidated) (Coverage ratio of loans based on the Financial Reconstruction Laws as of Mar. 31, 2022) *Hokuto Bank implements partial direct write-off executed. － 15 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCBankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権2,831782842,7522,547Doubtful claims危険債権9,0345712,8888,4636,146Claims requiring monitoring要管理債権594348400245193Loans past due 3 month or moreうち三月以上延滞債権― ― ― ― ― Restructured loansうち貸出条件緩和債権594348400245193Subtotal①小　計12,4619983,57311,4628,887Normal claims正常債権885,16611,103(4,103)874,063889,270Total②総与信897,62812,102(529)885,525898,157Ratio of disclosed claims under the FinancialReconstruction Law①÷②総与信に占める割合1.38％ 0.09％ 0.40％ 1.29％ 0.98％ (Millions of yen)Totaldisclosedclaims underthe FinancialReconstructio Coverage amountCoverageratio債権額保全額Reserve forspecificdebtorsPortioncovered byallowance保全率(C)(D)担保保証等貸倒引当金(D)÷(C)Bankrupt and substantially bankrupt claims破産更生債権及びこれらに準ずる債権2,8312,8311,851979100.00％ Doubtful claims危険債権9,0347,7676,1711,59685.97％ Claims requiring monitoring要管理債権5943223051654.23％ Loans past due 3 month or moreうち三月以上延滞債権― ― ― ― ― Restructured loansうち貸出条件緩和債権5943223051654.23％ Subtotal①小　計12,46110,9218,3282,59387.64％ (Millions of yen) 3. Self-assessment results and loans based on the Financial Reconstruction Law (risk-monitored loans) (1) 2 banks *In the self-assessment results, the amount in [] of the III / IV classification is the reserve amount for the each classification. The reserve amount is recorded as “no-classification”. － 16 － (As of Mar. 31, 2022)No-classificationIIIIIIVReserveforspecificdebtorsPortioncoveredbyallowance区　分与信残高非分類Ⅱ分類Ⅲ分類Ⅳ分類与信残高担保保証等貸倒引当金保全率Bankruptdebtors――破綻先[273][598]Effectiverybankrupt debtors――実質破綻先[829][1,287]Potentiallybankrupt debtors2,004破綻懸念先[5,298]Loans past due3 month ormore三月以上延滞債権Restructuredloans貸出条件緩和債権91.81%Normal debtors正常先Total総与信額(Millions of yen)Self-assessment results (by borrower classification)Disclosed claims under the Financial Reconstruction LawRisk-monitored loans自己査定結果　※償却後金融再生法に基づく開示債権、リスク管理債権Classification ofborroweresCreditbalanceClassificationClassification ofborroweresCreditbalanceCoverage amountCoverageratio分類保全額区　分Bankrupt andsubstantiallybankrupt claims7,1154,1252,990破産更生債権及びこれらに準ずる債権Doubtful claims22,73415,4205,29891.13%危険債権100.00%Claims requiringmonitoring1,441549344要管理債権――――1,44154934462.02%62.02%Normal claims1,742,2131,620,5041,620,504正常債権123,15063,26459,885Ratio of disclosedclaims under theFinancialReconstructionLaw1.76%総与信に占める割合1,773,5051,706,00465,4952,004―Total1,773,505総与信額Total claims underthe FinancialReconstructionLaw31,291開示債権額1,5369525835,5793,6021,9763,04917,68022,734Debtors requiringcaution要注意先 (2) Shonai Bank (non-consolidated) *In the self-assessment results, the amount in [] of the III / IV classification is the reserve amount for the each classification. The reserve amount is recorded as “no-classification”. － 17 － (As of Mar. 31, 2022)No-classificationIIIIIIVReserveforspecificdebtorsPortioncoveredbyallowance区　分与信残高非分類Ⅱ分類Ⅲ分類Ⅳ分類与信残高担保保証等貸倒引当金保全率Bankruptdebtors――破綻先[－][598]Effectiverybankrupt debtors――実質破綻先[123][1,287]Potentiallybankrupt debtors747破綻懸念先[3,702]Loans past due3 month ormore三月以上延滞債権Restructuredloans貸出条件緩和債権94.56%Normal debtors正常先Total総与信額13,69910,8532,098Debtors requiringcaution要注意先8526032493,4312,3161,114875,876総与信額Total claims underthe FinancialReconstructionLaw18,830開示債権額Ratio of disclosedclaims under theFinancialReconstructionLaw2.14%総与信に占める割合875,876842,54032,589747―Total67.48%Normal claims857,046798,973798,973正常債権要管理債権――――847244327Claims requiringmonitoring84724432767.48%58,92029,79229,127破産更生債権及びこれらに準ずる債権Doubtful claims13,6999,2493,70294.54%危険債権区　分Bankrupt andsubstantiallybankrupt claims4,2832,2732,010100.00%Classification ofborroweresCreditbalanceCoverage amountCoverageratio分類保全額(Millions of yen)Self-assessment results (by borrower classification)Disclosed claims under the Financial Reconstruction LawRisk-monitored loans自己査定結果　※償却後金融再生法に基づく開示債権、リスク管理債権Classification ofborroweresCreditbalanceClassification (3) Hokuto Bank (non-consolidated) *In the self-assessment results, the amount in [] of the III / IV classification is the reserve amount for the each classification. The reserve amount is recorded as “no-classification”. － 18 － (As of Mar. 31, 2022)No-classificationIIIIIIVReserveforspecificdebtorsPortioncoveredbyallowance区　分与信残高非分類Ⅱ分類Ⅲ分類Ⅳ分類与信残高担保保証等貸倒引当金保全率Bankruptdebtors――破綻先[273][－]Effectiverybankrupt debtors――実質破綻先[706][－]Potentiallybankrupt debtors1,257破綻懸念先[1,596]Loans past due3 month ormore三月以上延滞債権Restructuredloans貸出条件緩和債権87.64%Normal debtors正常先Total総与信額Debtors requiringcaution要注意先12,4611.38%6833493342,1471,2858629,0346,826950Total claims underthe FinancialReconstructionLaw開示債権額Ratio of disclosedclaims under theFinancialReconstructionLaw総与信に占める割合自己査定結果　※償却後金融再生法に基づく開示債権、リスク管理債権Classification ofborroweresCreditbalanceClassificationClassification ofborroweres区　分9,0346,1711,59685.97%2,8311,851979100.00%Bankrupt andsubstantiallybankrupt claims破産更生債権及びこれらに準ずる債権Doubtful claims危険債権64,23033,47130,758Claims requiringmonitoring要管理債権Normal claims――――594305897,62859430516正常債権Total総与信額16897,628863,46432,9061,257―(Millions of yen)885,166821,531821,53154.23%CreditbalanceCoverage amountCoverageratio分類保全額Self-assessment results (by borrower classification)Disclosed claims under the Financial Reconstruction LawRisk-monitored loans54.23% 4. Loans by industry (1) 2 banks (2) Shonai Bank (non-consolidated) － 19 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC国内店分（除く特別国際金融取引勘定）1,727,2399,516(18,121)1,717,7231,745,361Manufacturing製造業113,954(172)(375)114,126114,329Agriculture and forestry農業，林業3,92067(167)3,8534,087Fishery漁業13252468086Mining, quarrying of stone and gravel鉱業，採石業，砂利採取業2,258(186)(60)2,4442,318Construction建設業80,1967,7611,72872,43578,468Electricity, gas, heat supply and water電気・ガス・熱供給・水道業86,4524,6474,95381,80581,499Information and communications情報通信業7,359(1,309)(1,487)8,6688,846Transport and postal activities運輸業，郵便業19,291260(449)19,03119,740Wholesale and retail trade卸売業，小売業97,948(3,595)(497)101,54398,445Finance and insurance金融業，保険業51,6413,2444,11848,39747,523Real estate and goods rental and leasing不動産業，物品賃貸業117,8273,396742114,431117,085Scientific research and proffessional andtechnical serveces学術研究，専門・技術サービス業11,18086982710,31110,353Accommodations, eating and drinkingservices宿泊業，飲食サービス業22,664(502)(2,974)23,16625,638Living-related and amusement services生活関連サービス業，娯楽業16,944(427)(695)17,37117,639Education learning support教育，学習支援業3,936(98)(569)4,0344,505Medical, social welfare医療・福祉57,0357407156,29556,964Sevicesその他のサービス41,515(2,441)1,43043,95640,085National and local government地方公共団体414,5221,8942,271412,628412,251Otherその他578,455(4,681)(27,032)583,136605,487(Millions of yen)Domestic offices (excluding loans booked atoffshore markets) As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC国内店分（除く特別国際金融取引勘定）854,611(1,340)(15,883)855,952870,494Manufacturing製造業56,7202,0281,32954,69255,391Agriculture and forestry農業，林業1,653(100)(313)1,7531,966Fishery漁業67606473Mining, quarrying of stone and gravel鉱業，採石業，砂利採取業113(7)4212071Construction建設業34,4973,323(1,200)31,17435,697Electricity, gas, heat supply and water電気・ガス・熱供給・水道業28,8804,1464,22724,73424,653Information and communications情報通信業2,033(226)(350)2,2592,383Transport and postal activities運輸業，郵便業7,710(202)(561)7,9128,271Wholesale and retail trade卸売業，小売業38,543(2,390)(3,106)40,93341,649Finance and insurance金融業，保険業40,0551,9202,29938,13537,756Real estate and goods rental and leasing不動産業，物品賃貸業61,2281,9802,37859,24858,850Scientific research and proffessional andtechnical serveces学術研究，専門・技術サービス業1,7161721741,5441,542Accommodations, eating and drinkingservices宿泊業，飲食サービス業8,289(673)(2,908)8,96211,197Living-related and amusement services生活関連サービス業，娯楽業5,714(280)(506)5,9946,220Education learning support教育，学習支援業3,093(163)(647)3,2563,740Medical, social welfare医療・福祉17,962(103)(597)18,06518,559Sevicesその他のサービス23,468(2,809)(2,094)26,27725,562National and local government地方公共団体171,3894,5339,843166,856161,546Otherその他351,469(12,549)(23,958)364,018375,427(Millions of yen)Domestic offices (excluding loans booked atoffshore markets) (3) Hokuto Bank (non-consolidated) 5. Balance of deposits, loans and securities (1) 2 banks － 20 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC国内店分（除く特別国際金融取引勘定）872,62810,857(2,238)861,771874,866Manufacturing製造業57,234(2,200)(1,704)59,43458,938Agriculture and forestry農業，林業2,2671671462,0992,121Fishery漁業64(8)(18)7283Mining, quarrying of stone and gravel鉱業，採石業，砂利採取業2,145(178)(101)2,3242,246Construction建設業45,6984,4372,92841,26142,770Electricity, gas, heat supply and water電気・ガス・熱供給・水道業57,57150172557,07056,846Information and communications情報通信業5,325(1,082)(1,137)6,4086,463Transport and postal activities運輸業，郵便業11,58146211211,11811,468Wholesale and retail trade卸売業，小売業59,404(1,205)2,60860,61056,795Finance and insurance金融業，保険業11,5851,3231,81810,2629,767Real estate and goods rental and leasing不動産業，物品賃貸業56,5991,415(1,635)55,18358,234Scientific research and proffessional andtechnical serveces学術研究，専門・技術サービス業9,4636966538,7678,810Accommodations, eating and drinkingservices宿泊業，飲食サービス業14,374171(66)14,20314,441Living-related and amusement services生活関連サービス業，娯楽業11,229(147)(189)11,37711,419Education learning support教育，学習支援業8426477777765Medical, social welfare医療・福祉39,07284266738,23038,404Sevicesその他のサービス18,0463673,52317,67814,523National and local government地方公共団体243,132(2,638)(7,571)245,771250,704Otherその他226,9867,868(3,074)219,117230,060Domestic offices (excluding loans booked atoffshore markets)(Millions of yen)Term-end balance As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC預金等2,717,041 11,97560,5402,705,066 2,656,501 0.44％ 2.27％ うち個人預金1,940,712 14,14229,3561,926,570 1,911,356 0.73％ 1.53％ Loans and bills discounted貸出金1,727,239 9,516(18,121)1,717,723 1,745,361 0.55％ (1.03％)Securities有価証券680,289 (111,460)(48,856)791,749 729,145 (14.07％)(6.70％)Deposits and Negotiablecertificates of deposit(Millions of yen)Personal depositsAverage balance As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC預金等2,740,538 (4,586)81,8352,745,125 2,658,703 (0.16％)3.07％ Loans and bills discounted貸出金1,735,812 (5,621)(16,727)1,741,433 1,752,539 (0.32％)(0.95％)Securities有価証券732,244 (11,264)(30,338)743,509 762,583 (1.51％)(3.97％)Deposits and Negotiablecertificates of deposit(Millions of yen) (2) Shonai Bank (non-consolidated) (3) Hokuto Bank (non-consolidated) － 21 － Term-end balance As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC預金等1,340,566 14,79232,1581,325,774 1,308,407 1.11％ 2.45％ うち個人預金966,348 4,30612,938962,042 953,410 0.44％ 1.35％ Loans and bills discounted貸出金854,611 (1,340)(15,883)855,952 870,494 (0.15％)(1.82％)Securities有価証券343,309 (62,307)(53,948)405,616 397,258 (15.36％)(13.58％)Deposits and Negotiablecertificates of deposit(Millions of yen)Personal depositsAverage balance As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC預金等1,341,374 28343,9641,341,091 1,297,409 0.02％ 3.38％ Loans and bills discounted貸出金860,657 (5,877)(14,884)866,534 875,541 (0.67％)(1.69％)Securities有価証券368,488 (8,838)(37,125)377,327 405,614 (2.34％)(9.15％)Deposits and Negotiablecertificates of deposit(Millions of yen)Term-end balance As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC預金等1,376,474 (2,816)28,3811,379,291 1,348,093 (0.20％)2.10％ うち個人預金974,364 9,83516,418964,528 957,945 1.01％ 1.71％ Loans and bills discounted貸出金872,628 10,857(2,238)861,771 874,866 1.25％ (0.25％)Securities有価証券336,979 (49,152)5,092386,132 331,887 (12.72％)1.53％ Deposits and Negotiablecertificates of depositPersonal deposits(Millions of yen)Average balance As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBC預金等1,399,164 (4,869)37,8701,404,034 1,361,294 (0.34％)2.78％ Loans and bills discounted貸出金875,154 256(1,843)874,898 876,998 0.02％ (0.21％)Securities有価証券363,756 (2,425)6,786366,182 356,969 (0.66％)1.90％ Deposits and Negotiablecertificates of deposit(Millions of yen) 6. Personal loans (1) 2 banks (2) Shonai Bank (non-consolidated) (3) Hokuto Bank (non-consolidated) 7. Loans to SMEs, etc. (1) 2 banks － 22 － As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCConsumer loans消費者ローン残高533,028 (20,340)(39,682)553,368 572,711 貸出金に占める消費者ローンの割合30.86％ (1.35％)(1.95％)32.21％ 32.81％ Housing loans住宅ローン残高475,605 (17,538)(34,178)493,143 509,784 Other loansその他ローン残高57,423 (2,801)(5,503)60,224 62,926 (Millions of yen)Ratio of consumer loans tototal loans As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCConsumer loans消費者ローン残高352,514 (12,055)(23,450)364,570 375,965 貸出金に占める消費者ローンの割合41.24％ (1.35％)(1.94％)42.59％ 43.18％ Housing loans住宅ローン残高327,136 (11,141)(21,435)338,278 348,572 Other loansその他ローン残高25,378 (913)(2,015)26,292 27,393 (Millions of yen)Ratio of consumer loans tototal loans As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCConsumer loans消費者ローン残高180,513 (8,284)(16,231)188,798 196,745 貸出金に占める消費者ローンの割合20.68％ (1.22％)(1.80％)21.90％ 22.48％ Housing loans住宅ローン残高148,468 (6,396)(12,742)154,865 161,211 Other loansその他ローン残高32,044 (1,888)(3,488)33,932 35,533 (Millions of yen)Ratio of consumer loans tototal loans As of Mar. 31, 2022As of Sep. 30,2021As of Mar. 31,2021AA – BA – CBCSmall and medium-sizedenterprises, etc.①中小企業等貸出金残高1,156,252 (14,524)(39,583)1,170,776 1,195,835 Total loans②総貸出金残高1,727,239 9,516(18,121)1,717,723 1,745,361 Ratio of SMEs to total loans①－②中小企業等貸出金比率66.94％ (1.21％)(1.57％)68.15％ 68.51％ (Millions of yen) (2) Shonai Bank (non-consolidated) (3) Hokuto Bank (non-consolidated) 8.