01 02 04 05 06 08 10 12 14 16 18 19 22 24 26 28 30 31 32 35 36 42 44 46 49 50 52 54 56 67 90 91

18 20091 2 2 CSR 65 02

03

1 2 3 1 2 3 4 5 1 2 3 4 5 6 7 8 9 q w e r t y u i o p a 04

HOKKOKU BANK DISCLOSURE 2008 1 2 3 05

06

07

08 1 1

09 1 HOKKOKU BANK DISCLOSURE 2008

10 2 2 1 2 3 1 2 3

11 HOKKOKU BANK DISCLOSURE 2008 2

3 3 1 2 3 4 5 1 2 3 4 5 1 2 12

HOKKOKU BANK DISCLOSURE 2008 1 2 1 2 3 1 2 3 3 13

14

15

1 1 16

HOKKOKU BANK DISCLOSURE 2008 1 17

18 2 2

19 3 HOKKOKU BANK DISCLOSURE 2008 3

3 20

21

22

HOKKOKU BANK DISCLOSURE 2008 23

24 1 2 3 4 5 6 15

HOKKOKU BANK DISCLOSURE 2008 1 2 3 25

26

27 HOKKOKU BANK DISCLOSURE 2008

1 2 3 1 2 3 4 5 28

HOKKOKU BANK DISCLOSURE 2008 29

30

31 HOKKOKU BANK DISCLOSURE 2008 249 249 249 159 156 160 8 8 8 e e e

101 2 4 NHW 129 143 3 4 NHW NHW 206 2 4 NHW 102 3 NHW 130 3 NHW 208 3 4 NHW 103 3 131 3 NHW 211 NHW 104 151 105 106 107 108 2 4 NHW 3 4 NHW 3 3 4 NHW 150 132 133 134 135 136 NHW NHW 3 NHW 3 212 213 214 222 229 291 3 NHW NHW NHW 109 111 112 NHW 3 3 4 NHW 158 137 139 NHW NHW NHW 215 216 3 4 NHW 3 NHW 113 2 4 NHW 140 217 3 4 114 3 NHW 144 NHW 115 3 NHW 147 NHW 231 116 117 3 NHW 2 4 NHW 149 153 221 3 4 NHW 118 3 NHW 154 NHW 227 NHW 119 3 4 NHW 155 NHW 120 159 NHW 219 3 NHW 121 3 4 NHW 191 N 292 146 NHW 192 3 220 3 NHW 122 123 3 NHW 3 NHW 201 2 4 NHW 218 226 2 4 NHW NHW 124 202 2 NHW 232 126 3 4 NHW 203 3 NHW 236 127 204 NHW 141 NHW 205 3 NHW 128 3 NHW 224 32

HOKKOKU BANK DISCLOSURE 2008 2 3 4 N H W 125 e e 3 NHW 314 401 2 4 NHW 138 e e 4 NHW 315 NHW 408 NHW 301 3 NHW 316 402 3 4 NHW 340 302 304 NHW 3 4 NHW NHW 323 325 328 3 NHW NHW 403 404 405 407 3 NHW 3 4 NHW 2 4 NHW 4 NHW 305 306 307 308 310 311 312 3 4 NHW 3 4 NHW 3 4 NHW 2 4 NHW 324 330 332 333 334 329 335 3 NHW NHW 3 NHW NHW 410 3 501 2 NHW 503 NHW 601 2 602 2 603 2 317 319 3 NHW 604 2 4 321 322 NHW NHW NHW NHW NHW NHW NHW NHW N NHW NHW N 33

NHW NHW NHW NHW N NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW N NHW NHW N NHW N N NHW NHW N NHW N N N NHW NHW NHW NHW NHW NHW N N NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW NHW N NHW N NHW e e NHW NHW e NHW NHW NHW NHW NHW NHW N NHW NHW NHW NHW NHW NHW NHW NHW N NHW NHW NHW NHW NHW NHW NHW N NHW NHW NHW NHW NHW N N 34

35 HOKKOKU BANK DISCLOSURE 2008 1 2 3 4 5 6 7 1 2 3

1 2 3 36

37 HOKKOKU BANK DISCLOSURE 2008

38

HOKKOKU BANK DISCLOSURE 2008 39

40

HOKKOKU BANK DISCLOSURE 2008 41

42

43 HOKKOKU BANK DISCLOSURE 2008

44 0120-117-660 0120-336-323 0120-606-889 0120-033-038 0120-399-606 0120-033-216 0120-396-625 0120-608-120 0120-396-647 0120-680-069 1076251-7636 1(076)262-5711

45

46

47 HOKKOKU BANK DISCLOSURE 2008

48 = 1 2 12 3 123

49 HOKKOKU BANK DISCLOSURE 2008

50

HOKKOKU BANK DISCLOSURE 2008 51

52

53 HOKKOKU BANK DISCLOSURE 2008

54

55 HOKKOKU BANK DISCLOSURE 2008 56 56 57 57 58 59 60 61 65 66 67 67 68 69 73 75 76 77 79 80 81 83 86 87 87 88

56

57 HOKKOKU BANK DISCLOSURE 2008 2,917,490 173,197 40,205 4,798 218,202 3,135,693 2,902,589 172,675 29,615 4,758 207,049 3,109,639 18 19331 19 20331 18 19331 19 20331 3,135,693 3,109,639

58 18 77,069 73,324 3,744 1,348 777 4,315 1,624 82 351 3,125 19 81,779 69,027 12,752 2,169 1,378 13,544 2,945 6,578 219 3,800

HOKKOKU BANK DISCLOSURE 2008 59

60 18 19

HOKKOKU BANK DISCLOSURE 2008 % 19 a s a s d f a a s d f g h 61

62 j k l 0 1 2 3 4 5 6 a s a s 19

HOKKOKU BANK DISCLOSURE 2008 63

20331 20331 20331 20331 20331 20331 19 19 20331 19 64

HOKKOKU BANK DISCLOSURE 2008 a s A A/B 19331 109,833 5.29 20331 100,602 4.72 65

66 19331 20331

67 HOKKOKU BANK DISCLOSURE 2008 2,700,421 96,940 18,669 10,520 58 30,000 12,341 854 50 5,986 5,346 27,543 2,908,732 26,673 11,290 135,717 1,737 171,944 33,907 157 5,964 40,029 211,973 3,120,706 2,730,260 72,360 4,636 31 30,000 17,710 850 50 6,001 653 127 24 5,307 26,245 2,894,258 26,673 11,289 137,264 4,044 171,184 23,924 311 5,923 29,536 200,720 3,094,979 18 19331 19 20331 18 19331 19 20331 49,558 135,362 10,125 431 18,068 751,930 2,090,910 2,143 17,761 35,802 2,889 10,305 27,543 32,125 3,120,706 64,060 71,705 7,591 826 22,024 715,517 2,146,089 2,270 17,170 36,688 2,878 10,091 26,245 28,181 3,094,979

68 18 184 1 19331 19 194 1 20331 63,104 59,488 3,616 1,326 558 4,384 1,386 195 2,801 67,887 56,130 11,756 2,135 1,206 12,685 2,447 6,674 3,562

HOKKOKU BANK DISCLOSURE 2008 69

19 a s a s a 70

71 HOKKOKU BANK DISCLOSURE 2008 s d f g h j 19

72

HOKKOKU BANK DISCLOSURE 2008 18 44,023 8,422 23 52,469 19 44,079 7,352 577 52,009 1.85 1.79 18 19 18 19 T 2,827,209 49,036 1.73 2,714,103 5,013 0.18 44,023 1.55 2,902,971 53,768 1.85 2,789,967 9,688 0.34 44,079 1.51 73

18 19 18 19 18 10,552 2,207 136 59 10,689 1,050 4,040 2,846 2,267 664 18 215 239 18 207 2 123 77 23 19 9,608 120 9,729 1,075 3,894 2,276 2,327 50 2,377 646 19 27 253 468 218 142 94 256 321 577 18 33,992 19 34,216 74

HOKKOKU BANK DISCLOSURE 2008 18 19 75

18 19 76

HOKKOKU BANK DISCLOSURE 2008 18 a s d f g 77

19 a s d f g 78

HOKKOKU BANK DISCLOSURE 2008 18 19 109,130 3,398 120,249 4,780 436,398 462,741 79

18 19 A 18 19 1.73 1.85 1.39 1.54 T 0.34 0.31 18 19 18 19 18 19 18 19 74.74 76.57 26.87 25.53 18 19 76.50 76.07 26.21 26.23 80

HOKKOKU BANK DISCLOSURE 2008 18 1,270,481 47.0 941,966 34.9 1,336,158 49.5 1,304,090 48.3 2,605 0.1 93,781 3.5 2,693,582 6,838 2,700,421100.0 96,940 2,790,522 6,838 2,797,361 19 1,231,845 45.1 964,413 35.3 1,399,996 51.3 1,371,642 50.2 1,401 0.1 98,418 3.6 2,720,486 9,774 2,730,260100.0 72,360 2,792,846 9,774 2,802,620 18 19 1,229,915 47.5 1,235,272 46.2 912,256 35.2 958,874 35.9 1,302,765 50.4 1,271,884 49.1 329 0.0 54,939 2.1 2,579,169 8,450 2,587,620100.0 114,995 1,384,411 51.8 1,355,132 50.7 2,085 0.1 55,052 2.0 2,667,293 7,442 2,674,736100.0 83,522 2,694,164 8,450 2,702,615 2,750,815 7,442 2,758,258 18 19 2,700,421 100.0 2,730,260 100.0 81

18 1,304,871 1,302,211 2,605 19 1,373,090 1,371,642 1,401 82

HOKKOKU BANK DISCLOSURE 2008 18 129,679 6.2 1,627,920 77.9 291,800 13.9 41,509 2.0 2,089,753 1,156 2,090,910100.0 19 112,810 5.3 1,701,556 79.3 296,786 13.8 34,935 1.6 2,143,539 2,550 2,146,089100.0 18 138,038 6.7 1,603,701 77.6 288,535 13.9 37,292 1.8 2,066,551 1,015 2,067,567100.0 19 119,956 5.7 1,667,820 79.5 278,001 13.2 32,649 1.6 2,095,348 3,079 2,098,428100.0 18 19 18 459,984 19 478,250 18 2,090,910 100.0 19 2,146,089 100.0 83

18 93,702 2,090,910 100.0 19 93,120 2,146,089 100.0 18 2,090,910 19 2,146,089 18 796,723 5,208 2,090,910 27,543 8,273 19 809,479 4,863 2,146,089 26,245 6,673 18 19 84

HOKKOKU BANK DISCLOSURE 2008 32,125 28,181 4,814 27,311 28,181 A A/B 19331 108,267 5.17 20331 98,781 4.60 A A/B C/A 19331 109,005 5.09 80.8 % 20331 99,825 4.54 80.6 19331 9,180 0.55 0.2 85

18 19 253,268 33.7 235,619 32.9 143,968 19.1 144,257 20.1 156,014 20.7 158,573 22.2 111,774 14.9 87,830 12.3 86,904 11.6 89,237 12.5 74,353 72,420 0 677,576 74,353 751,930 100.0 643,097 72,420 715,517 100.0 18 19 272,281 38.4 270,496 37.4 135,795 19.2 138,376 19.1 246 0.0 162,239 22.9 156,690 21.7 53,396 7.6 57,452 7.9 84,462 11.9 100,486 13.9 74,441 83,993 0 633,981 74,441 708,422 100.0 639,507 83,993 723,501 100.0 18 68,779 19 12,237 18 19 20,376 16,481 79,081 51,498 18 19 21,704 1,228 25,553 3,004 86

87 HOKKOKU BANK DISCLOSURE 2008 18 19 253,268 143,968 156,014 111,774 86,904 74,353 235,619 144,257 158,573 87,830 89,237 72,420 0 18 19 18 19 1,115 1,335

88 19331 20331

HOKKOKU BANK DISCLOSURE 2008 107,329 30.98 89

02 04 05 35 46 56 30 22 30 31 32 33 24 26 56 89 47 49 49 57 67 58 68 59 69 60 4765 66 88 73 73 74 80 80 73 73 74 74 74 75 76 77 79 80 6572 14 81 82 83 84 84 83 84 83 83 85 84 84 64 5365 5385 52 86 87 86 86 87 40 87 10 91 50 54 54 42 06 5767 24 28 90

HOKKOKU BANK DISCLOSURE 2008 1 2 3 http://www.hokkokubank.co.jp/ir/koukoku/index.html 91

6 920-8670.(076)263-1111 207