Hokuriku Bank
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.
- Company typePrivate
- Founded1943
- HeadquartersToyama-shi, Japan
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
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.
Hokuriku Bank firmographics
Firmographics- 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
Hokuriku Bank industry classification
Industry- 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
Where Hokuriku Bank is headquartered
LocationHeadquarters
- HQ city
- Toyama-shi
- HQ country
- Japan
- HQ region
- Asia
Offices3 records
Markets served
Hokuriku Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- 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.
- 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.
- Financial Product Intermediation: Revenue from intermediation services including SBI Securities financial product accounts, investment trust sales, and insurance products distribution.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Individual Banking Services - Interest-based pricing |
| Transaction based/ take rate | Pay-as-you-go | Investment Products and Financial Intermediation |
| Hybrid | Monthly | Internet Banking Services |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels4 records
Hokuriku Bank product offering
Product offeringCore 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.
Companies that use Hokuriku Bank
Customer profileSegments2 records
Ideal customer profiles2 records
Hokuriku Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
Feature3 records
Hokuriku Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- JPYC / Japan Post Bank / Shinoken / Sumitomo Mitsui Banking Corporation / SBI Shinsei Bank / GMO Aozora Net BankcoreHokuriku 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 PartnersminorBusiness matching contract to support regional corporate customers with business development and partnership opportunities in the Hokuriku region.
- Bluefield EnergyminorBusiness 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.minorBusiness 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 SecuritiescoreFinancial 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)minorFinancial product intermediation partnership for investment products distribution through the bank's network.
- Hokuhoku TT SecuritiescoreRelated-party financial product intermediation within the Hokuhoku Financial Group for securities distribution services.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
Hokuriku Bank competitors and assessment
Company assessmentDirect 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
Hokuriku Bank social profiles
Digital presenceHokuriku Bank compliance and trust
Trust signalCompliance2 records
Hokuriku Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hokuriku Bank leadership team
Management profileNumber of profiles
Hokuriku Bank subsidiaries and ownership
Company hierarchySubsidiaries9 records
Hokuriku Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hokuriku Bank M&A and investment
M&A and investmentM&A
Investments15 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hokuriku Bank
What does Hokuriku Bank do?
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.
Is Hokuriku Bank a public or private company?
Hokuriku Bank is a private company. It is classified as corporate owned and is currently operating.
When was Hokuriku Bank founded?
Hokuriku Bank was founded in 1943. It employs 1,001 to 5,000 people.
Where is Hokuriku Bank based?
Hokuriku Bank is headquartered in Toyama-shi, Japan, in the Asia region.
How does Hokuriku Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income and financial Product Intermediation.
Who are Hokuriku Bank's main competitors?
Direct peers on record are The 77 Bank, Kyoto Financial Group (Kyoto Bank), Musashino Bank, Gunma Bank, Concordia Financial Group (Bank of Yokohama), Fukuoka Financial Group, Chiba Bank, Hokkaido Bank and Shizuoka Financial Group (Shizuoka Bank). Mitsubishi UFJ Financial Group (MUFG) is listed as a broad incumbent.
Does Hokuriku Bank have an API?
Yes. Hokuriku Bank provides API connectivity for electronic payment intermediary services, allowing third-party financial technology providers to access banking functionality. The bank has contracts with multiple API-using electronic payment intermediaries for account information aggregation, payment processing, and financial data services. Additionally, the bank supports Pay-easy information link method for bill payment services and Bank Pay service for mobile/online payments. Developer documentation is at www.hokugin.co.jp/guideline/api_03.html.
What industry is Hokuriku Bank in?
Hokuriku Bank's product category is Regional Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAIAD, Account & Balance Services (Operating accounts, statements, eBAM). Its NAICS code is 52211 and its SIC code is 6022.