Disclosure Policy

1. Basic policy

Hokuhoku Financial Group, Inc. (hereinafter referred to as “company”) and its subsidiaries and affiliates actively disclose information to all stakeholders, including shareholders, investors, customers, local communities and employees, etc., based on its management philosophy of “contributing to the prosperity of the region and our customers and continuing to grow together with them by leveraging our network as a super-regional financial group and our comprehensive financial services.”
We will also maintain and develop trusting relationships with stakeholders through various communication activities.

2. Information disclosure standard

The company will appropriately disclose information in a fair and timely manner in accordance with applicable laws and regulations as well as rules established by stock exchanges.
The company actively discloses not only information whose disclosure is required by laws and regulations and disclosure rules but also management and financial information that it deems useful for helping to deepen stakeholders’ understanding of its management policies and business operations as well as non-financial information, such as information on environmental and social features, while deeming such information to be important information on corporate activities required by society.

3. Method of information disclosure

The company discloses information required to be disclosed under laws and regulations and rules established by stock exchanges in an appropriate manner, and posts such information on its official website promptly after disclosure.
Any information other than the information required to be disclosed by laws, regulations and rules is disclosed by the company by using a proper and accurate method as appropriate, such as distributing a news release, holding a press conference or briefing, or posting a document on its official website.

4. Development of internal systems

The company will strive to develop and enhance its internal systems necessary for putting this disclosure policy into practice.

5. Silent period

In order to prevent any information on financial results and earnings forecasts from being leaked prior to release and to ensure fairness, we specify the three weeks immediately prior to the release of full-year or quarterly financial results as a silent period during which we do not make any comment or respond to any inquiries about our financial results and earnings forecasts.
However, in the event a material fact required to be disclosed in a timely manner arises, we will disclose the relevant information as appropriate.

6. Response to market rumors

We will not comment on any market rumor, whether positive or negative.
However, if a rumor in circulation is judged to potentially have a material impact on the company’s stock price, we will act appropriately.

7. Information on and handling of forward-looking statements

The company might disclose forward-looking information in order to enable investors to assess its future operating results appropriately.
In such a case, future results could potentially differ from the forecast information due to various changing factors, such as changes in the business environment surrounding the company.