Financial Summary 1st Quarter (3 Months) ended June 30,2020

( millions)

As of Mar.31,

As of Jun.30,

2020

2020

Assets

資産の部

Cash and due from banks

現金預け金

1,652,447

1,917,304

Call loans and bills bought

コールローン及び買入手形

1,101

145,234

Monetary claims bought

買入金銭債権

13,775

11,844

Trading account securities

商品有価証券

4,275

4,156

Securities

有価証券

1,297,414

1,394,932

Loans and bills discounted

貸出金

6,659,161

6,954,959

Foreign exchanges

外国為替

7,682

4,553

Lease receivables and investment assets

リース債権及びリース投資資産

53,128

53,056

Other assets

その他資産

193,230

259,275

Property, plant and equipment

有形固定資産

80,924

80,078

Intangible assets

無形固定資産

6,490

6,221

Deferred tax assets

繰延税金資産

723

614

Customers' liabilities for acceptances and guarantees

支払承諾見返

50,290

55,960

Allowance for loan losses

貸倒引当金

(32,604)

(33,272)

Total assets

資産の部合計

9,988,041

10,854,918

Liabilities

負債の部

Deposits

預金

8,855,838

9,272,315

Negotiable certificates of deposit

譲渡性預金

75,996

386,703

Payables under repurchase agreements

売現先勘定

3,875

1,605

Payables under securities lending transactions

債券貸借取引受入担保金

1,136

2,133

Borrowed money

借用金

484,200

603,323

Foreign exchanges

外国為替

142

203

Other liabilities

その他負債

81,105

67,574

Provision for bonuses

賞与引当金

1,604

422

Provision for share-based remuneration

株式給付引当金

93

112

Net defined benefit liability

退職給付に係る負債

636

560

Provision for reimbursement of deposits

睡眠預金払戻損失引当金

2,330

2,222

Provision for point card certificates

ポイント引当金

450

565

Reserves under special laws

特別法上の引当金

19

19

Deferred tax liabilities

繰延税金負債

18,655

27,585

Deferred tax liabilities for land revaluation

再評価に係る繰延税金負債

2,188

2,187

Acceptances and guarantees

支払承諾

50,290

55,960

Total liabilities

負債の部合計

9,578,564

10,423,497

Net assets

純資産の部

Capital stock

資本金

121,101

121,101

Capital surplus

資本剰余金

74,741

74,741

Retained earnings

利益剰余金

148,186

150,515

Treasury shares

自己株式

(2,927)

(2,926)

Total shareholders' equity

株主資本合計

341,101

343,431

Valuation difference on available-for-sale securities

その他有価証券評価差額金

60,515

79,451

Revaluation reserve for land

土地再評価差額金

4,395

4,392

Remeasurements of defined benefit plans

退職給付に係る調整累計額

(291)

(218)

Total accumulated other comprehensive income

その他の包括利益累計額合計

64,619

83,625

Share acquisition rights

新株予約権

84

84

Non-controlling interests

非支配株主持分

3,672

4,280

Total net assets

純資産の部合計

409,476

431,421

Total liabilities and net assets

負債及び純資産の部合計

9,988,041

10,854,918

2019

2020

Ordinary income

経常収益

32,577

35,248

Interest income

資金運用収益

17,215

16,803

Of which, interest on loans and discounts

うち貸出金利息

14,422

14,146

Of which, interest and dividends on securities

うち有価証券利息配当金

2,635

2,507

Fees and commissions

役務取引等収益

7,141

6,787

Other ordinary income

その他業務収益

7,387

8,483

Other income

その他経常収益

833

3,174

Ordinary expenses

経常費用

29,934

30,119

Interest expenses

資金調達費用

517

491

Of which, interest on deposits

うち預金利息

96

72

Fees and commissions payments

役務取引等費用

3,051

3,061

Other ordinary expenses

その他業務費用

6,993

7,795

General and administrative expenses

営業経費

18,473

17,631

Other expenses

その他経常費用

898

1,139

Ordinary profit

経常利益

2,642

5,129

Extraordinary income

特別利益

0

21

Gain on disposal of non-current assets

固定資産処分益

0

18

Gain on bargain purchase

負ののれん発生益

－

2

Extraordinary losses

特別損失

96

133

Loss on disposal of non-current assets

固定資産処分損

39

80

Impairment loss

減損損失

56

52

Loss on step acquisitions

段階取得に係る差損

－

1

Profit before income taxes

税金等調整前四半期純利益

2,546

5,016

Income taxes - current

法人税、住民税及び事業税

465

196

Income taxes - deferred

法人税等調整額

753

475

Total income taxes

法人税等合計

1,219

672

Profit

四半期純利益

1,327

4,343

Profit attributable to non-contorolling interests

非支配株主に帰属する四半期純利益

55

112

Profit attributable to owners of parent

親会社株主に帰属する四半期純利益

1,271

4,231

( millions)

Three months ended Jun.30,

2019

2020

Profit

四半期純利益

1,327

4,343

Other comprehensive income

その他の包括利益

(3,517)

19,508

Valuation difference on available-for-sale securities

その他有価証券評価差額金

(3,549)

19,435

Remeasurements of defined benefit plans , net of tax

退職給付に係る調整額

31

72

Comprehensive income

四半期包括利益

(2,190)

23,852

Comprehensive income attributable to owners of parent

親会社株主に係る四半期包括利益

(2,201)

23,240

Comprehensive income attributable to non-contorolling interests

非支配株主に係る四半期包括利益

10

611

(¥ millions)

Three months ended Jun.30,

Increase/

Six months ending

(Decrease)

Sep.30, 2020

2019

2020

(Forecasts)

Ordinary income

25,928

27,898

1,970

50,000

Core gross profit

20,761

20,103

(658)

39,400

Net interest income

17,210

16,978

(232)

Net fees and commissions

3,073

2,657

(416)

Net other operating income

477

467

(10)

(excluding gains (losses) on bonds)

Expenses

17,602

16,718

(884)

33,500

(excluding non-recurring losses)

Core operating profit

3,158

3,385

227

5,800

Excluding gains (losses) on

3,158

3,385

227

cancellation of investment trusts

Credit costs

249

702

453

1,500

Gains (losses) on securities

(103)

2,364

2,467

Bonds, etc

(348)

(279)

69

Stocks, etc

245

2,643

2,398

Net other non-recurring income (loss)

348

291

(57)

(including gains (losses) on money held in trust)

Ordinary profit

3,154

5,337

2,183

6,100

Extraordinary income (losses)

(95)

(112)

(17)

Income before income taxes

3,059

5,224

2,165

Income taxes

1,054

624

(430)

Net income

2,004

4,600

2,596

4,100

Net operating profit

2,810

3,105

295

Core gross profit =

Net interest income + Net fees and commissions + Net other operating income(excluding gains (losses) on bonds)

Core operating profit

= Core gross profit - Expenses(excluding non-recurring losses)

Net operating profit

= Core operating profit + Gains(losses) on bonds

【Outstanding Balance】

(¥

billions)

As of Jun.30,

Increase/

As of Mar.31,

(A)－(B)

2019

2020 (A)

(Decrease)

2020 (B)

SMEs, etc

3,630.0

3,872.1

242.0

3,725.0

147.0

Loans and bills discounted

6,628.2

7,013.0

384.8

6,718.9

294.1

In Hokkaido

5,365.5

5,574.0

208.4

5,388.8

185.1

4．Securities (Non-Consolidated)

【Outstanding Balance】

(¥

billions)

As of Jun.30,

Increase/

As of Mar.31,

(A)－(B)

2019

2020 (A)

(Decrease)

2020 (B)

Securities

1,271.5

1,394.1

122.6

1,298.0

96.0

As of Jun.30,

Increase/

As of Mar.31,

(A)－(B)

2019

2020 (A)

(Decrease)

2020 (B)

Bankrupt and

24.0

23.9

(0.0)

24.3

(0.4)

quasi-bankrupt claims

Doubtful claims

39.2

34.8

(4.4)

36.1

(1.2)

Substandard claims

8.8

12.0

3.2

9.5

2.5

Total (a)

72.0

70.9

(1.1)

70.0

0.8

After partial direct

59.0

57.7

(1.3)

56.9

0.7

write-offs (b)

＊

Normal claims

6,760.3

7,143.1

382.8

6,842.8

300.3

Total claims (c)

6,832.4

7,214.0

381.6

6,912.9

301.1

After partial direct

6,819.4

7,200.9

381.4

6,899.8

301.0

write-offs (d)

＊

＜Percentage of total claims＞

(%)

(a) / (c)

1.05

0.98

(0.07)

1.01

(0.03)

(b) / (d) ＊

0.86

0.80

(0.06)

0.82

(0.02)