Hokuriku Bank

What Hokuriku Bank does

Hokuriku Bank (株式会社北陸銀行) is a Japanese regional bank founded in 1943, operating as a core subsidiary of Hokuhoku Financial Group (ほくほくフィナンシャルグループ) and serving individual and corporate customers across the Hokuriku region (Toyama, Ishikawa, and Fukui prefectures) and Hokkaido. The bank runs a traditional sales-led, branch-based go-to-market supplemented by digital channels: the Hokuriku Bank Portal App for smartphone banking, Hokugin Direct A internet banking, and Business IB/Hot-kun Web Jr./Hokugin Biz-Lite for corporate transaction management. It also offers dedicated loan plazas (Hokugin Plaza, Hokugin Loan Plaza) and business matching services to deepen relationships with regional SMEs.

The product surface spans deposits (ordinary, time, settlement, general, Web accounts), loans (housing, unsecured renovation, my car, education, card loan, free loan), investment trust and NISA intermediation distributed through partners SBI Securities and Nomura Securities (野村證券) alongside related-party Hokuhoku TT Securities, insurance products, foreign currency deposits and remittances, iDeCo pensions, and corporate services (foreign exchange, settlement, den-sai electronic bill presentment). Underlying technology is a conventional regional-bank digital stack including biometric login, one-time password authentication, API connectivity for Pay-easy/Bank Pay and integration with accounting/personal-finance management providers (Money Forward, Moneytree, Yayoi, Sorimachi, TKC, Miroku Information Service, Free, Kufu, Emerada, Smile Works, SBI Business Solutions).

The revenue model is anchored in net interest income from lending (housing, consumer, business loans) complemented by fee and commission income (account, transfer, foreign exchange, investment trust sales commissions) and financial product intermediation commissions through SBI Securities, Nomura Securities, and Hokuhoku TT Securities. The bank's forward positioning includes participation in the DCJPY digital currency consortium to develop DvP settlement and tokenized deposit solutions, distribution alliances with Link and Motivation for HR/engagement SaaS, renewable-energy business matching via Bluefield Energy, and business matching through Az Partners, indicating a pivot toward ecosystem-based SME support in addition to core deposit-and-loan activities.

Name

Hokuriku Bank

Legal name

株式会社北陸銀行 (THE HOKURIKU BANK, LTD.)

Website

https://hokugin.co.jp

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Hokuriku Bank is a Japanese regional bank, a core subsidiary of Hokuhoku Financial Group, serving retail and corporate customers across the Hokuriku region (Toyama, Ishikawa, Fukui) and Hokkaido with deposits, loans, digital banking, investment trust intermediation, insurance, and emerging tokenized deposit solutions.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD), Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Retail banking services
• Corporate banking
• Internet banking
• Mortgage lending
• Investment products

Headquarters

HQ city

Toyama-shi

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking interest income from lending activities including housing loans, business loans, and other credit facilities. Core revenue stream for regional bank operations.
2. Fee and Commission Income: Various banking fees including account management fees, transfer fees, foreign exchange commissions, investment product sales commissions (mutual funds, insurance), and financial product intermediation fees.
3. Financial Product Intermediation: Revenue from intermediation services including SBI Securities financial product accounts, investment trust sales, and insurance products distribution.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Hokuriku Bank is a Japanese regional bank offering a comprehensive suite of retail and corporate banking products and services. For individuals, it provides deposit accounts (ordinary, general, time, settlement), loans (housing, car, education, card loans), investment trusts, foreign currency deposits, government bonds, insurance products, NISA, and iDeCo pension accounts. For businesses, it provides corporate internet banking platforms, business loans, settlement and payment services (including den-sai electronic bill service), foreign exchange, and business matching services.

Product overview

Hokuriku Bank operates as a regional financial institution offering a comprehensive suite of banking products and services through both physical branch network and digital channels. The bank's digital offerings include the Hokuriku Bank Portal App for mobile banking, Hokugin Direct A for internet banking with biometric and one-time password authentication, and various electronic payment services. For personal customers, the bank provides deposit accounts (ordinary, general, time deposits), loans (housing, car, education), credit cards, investment trusts, foreign currency deposits, government bonds, insurance products, iDeCo pension accounts, and NISA investment accounts. Business banking services include corporate internet banking platforms (Business IB, Hot-Kun Web Jr., Hokugin Biz-Lite), settlement and payment services (including den-sai electronic bill service), business financing, foreign exchange services, and business matching services. The bank also provides investment trust sales through partnerships with SBI Securities and Nomura Securities, and is developing digital currency solutions including DvP settlement and tokenized deposits.

Differentiator

Problem solved

Functional benefit

Brands

• ほくぎん (Hokugin): Brand name used for various products and services including ほくぎんダイレクトA (internet banking), ほくぎんデビット (debit card), ほくぎんローン (loans)

Products and services

• Hokuriku Bank Portal App Mobile banking application for individuals providing account balance inquiries, transaction history, money transfers, and one-time password generation for secure authentication.
• Hokugin Direct A (Internet Banking) Internet banking service providing online account management, transfers, bill payments (Pay-easy), foreign currency transactions, and investment fund purchases with biometric and one-time password security.
• General Account (総合口座) Comprehensive banking account combining ordinary deposits with time deposits, offering integrated management of savings and investments for individual customers.
• Ordinary Deposit (普通預金) Basic deposit account with flexible withdrawal and deposit capabilities, serving as the foundation for most banking transactions for individual customers.
• Time Deposit (定期預金) Interest-bearing deposit with fixed term for individual customers, including special rate time deposits and salary-receiving time deposits.
• Settlement Deposit (決済用預金) Zero-interest deposit fully protected under the deposit insurance system, meeting requirements for no interest, on-demand withdrawal, and settlement services.
• Hokugin Web Account (ほくぎんWeb口座) Passbook-less account managed through the Hokuriku Bank Portal App or Hokugin Direct A internet banking, eliminating the need for physical bank visits.
• Housing Loan (住宅ローン) Long-term financing for residential property purchase for individuals, including fire insurance integration and group credit life insurance options.
• Unsecured Renovation Loan (無担保住宅ローン/リフォームローン) Unsecured loan for home renovation purposes without requiring collateral, available to individual customers.
• My Car Loan (マイカーローン) Financing for automobile purchases with competitive interest rates for individual customers.
• Education Loan (学資ローン) Loan product designed to cover educational expenses for students.
• Hokugin Card Loan (ほくぎん カードローン) Revolving card-type personal loan product for individual customers.
• Investment Trust (投資信託) Mutual fund and investment trust distribution service for individual customers, intermediated through partnerships with SBI Securities, Nomura Securities, and Hokuhoku TT Securities.
• Foreign Currency Deposits (外貨預金) Foreign currency deposit accounts for individual customers enabling multi-currency savings.
• Government Bonds (国債・個人向け国債) Government bond distribution including retail-oriented Japanese government bonds for individual customers.
• Insurance Products (保険) Comprehensive insurance product distribution for individual customers, including whole life, medical/cancer, nursing care/dementia, personal annuity, education, endowment, term, variable, fire, and overseas travel insurance.
• iDeCo (Defined Contribution Pension) Defined contribution pension plan (iDeCo) for individual and corporate retirement savings.
• Business IB (Corporate Internet Banking) Corporate internet banking service for enterprise customers, including Business IB, Hot-kun Web Jr., and Hokugin Biz-Lite for business transaction management.
• Hokugin Debit Card (ほくぎんデビット) Debit card product for individual customers linked to bank accounts.
• Hokuriku Card (Credit Card) Credit card product issued through Hokuriku Card subsidiary for individual customers.
• Foreign Remittance (外国送金) Cross-border foreign currency remittance services for individual and corporate customers, including foreign exchange services.
• Business Matching Services Service connecting regional SMEs with business partners, customers, and resources through partnerships with Az Partners and Link and Motivation Inc.
• Safe Deposit Box (貸金庫) Safe deposit box rental service for individuals and businesses at branch locations.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• JPYC / Japan Post Bank / Shinoken / Sumitomo Mitsui Banking Corporation / SBI Shinsei Bank / GMO Aozora Net BankcoreTechnology or Integration · 12 June 2026Hokuriku Bank is participating in digital currency development initiatives in Japan, specifically developing DvP (Delivery versus Payment) settlement and tokenized deposit solutions alongside major Japanese financial institutions. This places the bank at the forefront of digital currency innovation in the Japanese banking sector.
• Az PartnersminorGTM or Marketing Partner · 1 April 2026Business matching contract to support regional corporate customers with business development and partnership opportunities in the Hokuriku region.
• Bluefield EnergyminorStrategic or Co-development Partner · 13 March 2026Business matching agreement to support solar power plant owners and promote long-term stable operations in Japan's Hokuriku region. Partnership addresses output control challenges and supports transition from FIT to FIP systems for renewable energy producers.
• Link and Motivation Inc.minorGTM or Marketing Partner · 9 March 2026Business alliance to expand employee engagement cloud services ('Motivation Cloud Engagement' and 'Motivation Cloud Basic') to small and medium-sized enterprises in the Hokuriku region, leveraging Hokuriku Bank's regional presence.
• SBI SecuritiescoreChannel Partner/ Reseller/ DistributorFinancial product intermediation partnership allowing Hokuriku Bank customers to access SBI Securities investment products through the bank's distribution network. The bank acts as intermediary for securities account opening.
• Nomura Securities (野村證券)minorChannel Partner/ Reseller/ DistributorFinancial product intermediation partnership for investment products distribution through the bank's network.
• Hokuhoku TT SecuritiescoreChannel Partner/ Reseller/ DistributorRelated-party financial product intermediation within the Hokuhoku Financial Group for securities distribution services.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• The 77 Bank: Tohoku-region Japanese regional bank with a strong retail deposit base and traditional lending franchise; similar asset profile and customer segments to Hokuriku Bank's regional model.
• Kyoto Financial Group (Kyoto Bank): Japanese regional bank providing commercial and retail banking with regional specialization; comparable in scale and offering mix to Hokuriku Bank.
• Musashino Bank: Saitama-based Japanese regional bank with overlapping deposit, loan, and SME banking focus; similarly positioned within Japan's regional banking tier and a credible comparable on profitability metrics.
• Gunma Bank: Established regional bank in the Kanto region offering the full spectrum of retail and commercial banking services; comparable product breadth and target segments to Hokuriku Bank.
• Concordia Financial Group (Bank of Yokohama): Major Japanese regional bank holding group serving the Kanto region; same business model (deposits, lending, regional SME focus) and similar scale category, making it one of the closest public-market comparables for Hokuriku Bank.
• Fukuoka Financial Group: Another top-tier Japanese regional bank holding group, with similar deposit base, lending book, and business matching/SME support focus in the Kyushu region. Direct comparable on scale and strategy.
• Chiba Bank: Major Kanto-based Japanese regional bank with comparable scale, comprehensive retail and corporate banking services, and similar income diversification through fees and securities intermediation.
• Hokkaido Bank: Sister subsidiary of Hokuriku Bank under Hokuhoku Financial Group, providing regional banking services in Hokkaido with a similar product suite and distribution model. Most directly comparable peer given shared parent and regional-bank DNA.
• Shizuoka Financial Group (Shizuoka Bank): Top-tier Japanese regional banking group with strong SME and corporate banking franchise in Shizuoka prefecture, comparable deposit base and loan portfolio mix to Hokuriku Bank.

Broad incumbents

• Mitsubishi UFJ Financial Group (MUFG): Japan's largest megabank providing the full universe of banking services including regional coverage; illustrates the giant incumbent against which Hokuriku Bank competes for corporate and retail share.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/hokurikubank_JP
• YouTubeyoutube.com/channel/UC7mUou4WoWpeter0-OaF7Vg
• Facebookfacebook.com/HokurikuBank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments15 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hokuriku Bank