Hachijuni Nagano Bank

What Hachijuni Nagano Bank does

Hachijuni Nagano Bank (株式会社八十二長野銀行) is a privately held Japanese regional bank formed on January 1, 2026 through the merger of Hachijuni Bank (八十二銀行, whose origins trace to the 18th National Bank established in 1878) and Nagano Bank (長野銀行). The bank is registered as a financial institution under the Kanto Finance Bureau and operates as the leading retail and corporate banking franchise in Nagano Prefecture and the broader Koshinetsu region, serving individual customers, SMEs, and entrepreneurs through a dense branch and ATM network, nine dedicated Loan Plaza consultation offices (Nagano, Matsumoto, Ueda, Saku, Azumino, Suwa, Ina, Iida, Joetsu), and unified digital banking platforms.

The product portfolio is anchored by three interconnected online banking systems: Hachijuni Nagano Internet Banking for individuals, the Net EB corporate platform with multi-user access and FX, and a Business Net Loan portal integrated with Moneyforward. Supporting offerings include the Hachijuni Nagano Bank mobile app with biometric authentication, Wallet+ personal finance management, passbookless e-Rivure accounts, 82Debit debit card, HaLuCa credit card, IC Quick Card, electronic densai (commercial paper) service, electronic contracts, and the Big Advance SME management platform. Lending products span housing, auto, education, free-purpose, and the Takeoff startup loan (up to 30 million yen with up to 1% rate discount), while corporate services include foreign exchange, succession and inheritance advisory, the SDGs-linked Regional Revitalization private placement bond, and syndicated corporate lending.

Revenue is generated through interest margins on the loan book, fee-based income from accounts, ATMs, and payment services, and distribution fees on investment trusts, insurance, and public bonds — a classic spread-plus-fee regional banking model. Distribution combines physical branches, partner ATMs (E-net, Lawson, Seven Bank), internet and mobile banking, and emerging ecosystem integrations with Moneyforward (open-banking APIs), PayPay, Bank Pay, J-Debit, Readyfor crowdfunding, and IBM's Rapport security software. Group affiliates Hachijuni Staff Service and Hachijuni Credit Guarantee extend the franchise into HR and credit-guarantee services, completing a vertically integrated regional financial group.

Name

Hachijuni Nagano Bank

Legal name

株式会社八十二長野銀行

Website

https://bank.82group.jp

Company type

Private

Founded year

2026

Operating status

Operating

Short description

Hachijuni Nagano Bank is a privately held Japanese regional bank formed in 2026 by the merger of Hachijuni Bank and Nagano Bank, serving individual retail customers, SMEs, and entrepreneurs across Nagano Prefecture through branches, loan plazas, and digital banking.

Ownership category

akta.pro rank

Headquarters

HQ city

Nagano-shi

HQ country

Japan

HQ region

Asia

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest margins on loans including mortgages, business loans, and consumer loans.
2. Fee-based Income: ATM fees, account management fees, transaction fees, and service charges from various banking services.
3. Investment Products: Sales of investment trusts, insurance products, and public bonds with distribution fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels4 records

Core offering

Hachijuni Nagano Bank is a regional Japanese bank formed by the January 1, 2026 merger of Hachijuni Bank and Nagano Bank. It provides retail and corporate banking services in Nagano Prefecture, including deposits, mortgages, consumer and business loans, investment trusts, insurance, foreign exchange, electronic commercial paper (densai), and digital banking through internet and mobile platforms. It also offers startup financing, SME management support, and regional revitalization/SDGs-aligned private placement bonds through physical branches, loan plazas, and digital channels.

Product overview

Hachijuni Nagano Bank (株式会社八十二長野銀行) is a regional Japanese bank formed by the merger of Hachijuni Bank and Nagano Bank on January 1, 2026. Its product portfolio centers on a multi-channel banking platform comprising physical branches, an ATM network, and digital banking services. The core digital banking stack includes three interconnected online banking platforms: 八十二長野インターネットバンキング (individual internet banking, also accessible via the 八十二長野銀行アプリ mobile app), ネットEB (corporate internet banking with multi-user access, densai, and foreign exchange), and the 八十二長野ビジネスネットローン loan management portal. Supporting digital services include the e-Rivure passbookless account, Wallet+ money management app, IC Quick Card and debit/credit cards (82Debit, HaLuCa), 八十二長野＜でんさい＞サービス for electronic commercial paper, 八十二長野外為ネットサービス for FX, 八十二長野電子契約サービス, and the 八十二長野Big Advance SME management platform. Consumer lending products include 創業応援資金＜テイクオフ＞ (startup loans), 住宅ローン (housing loans), マイカーローン (auto loans), and 、教育ローン (education loans). The bank also supports digital payment integrations including PayPay, J-Debit, and Bank Pay, and offers an API (八十二長野APIサービス) enabling personal finance and accounting apps like Moneyforward to connect to customer accounts. An API service (both individual and corporate banking API regulations) is available for authorized third-party service providers.

Differentiator

Problem solved

Functional benefit

Brands

• 八十二グループ (Hachijuni Group): The broader financial group umbrella under which Hachijuni Nagano Bank operates, encompassing group companies such as 八十二スタッフサービス (staffing services) and other affiliated entities.
• Takeoff (テイクオフ)
• Wallet+ (ウォレットプラス)
• HaLuCa (ハルカ)

Products and services

• Hachijuni Nagano Internet Banking (Personal) Personal internet banking platform enabling customers to view account balances and transaction history, transfer funds, pay utility bills, manage time deposits, apply for loans, and access foreign exchange services online. Replaced Hachijuni Bank and Nagano Bank individual internet banking services following the 2026 merger.
• Net EB Corporate Internet Banking Corporate-focused internet banking platform providing multi-user account management, bulk transfers, payroll processing, corporate densai (electronic receivables) management, foreign exchange services, expense reimbursement, and fund concentration sweeping, with multi-branch, multi-user role-based access and audit trails.
• Hachijuni Nagano Bank App Mobile banking application for smartphones offering account balance inquiry, transaction history, fund transfers, biometric authentication and easy log-on functionality. Supports iOS and Android and retains up to 5 years of transaction history.
• Wallet+ Money Management App
• IC Quick Card (Hachijuni Nagano IC Quick Card)
• 82Debit
• HaLuCa Credit Card
• Hachijuni Nagano Web Inquiry Service
• Hachijuni Nagano Densai (Electronic Bill Service)
• Hachijuni Nagano Electronic Contract Service
• Hachijuni Nagano Foreign Exchange Net Service
• Hachijuni Nagano Business Net Loan Portal
• Startup Support Fund Takeoff
• Hachijuni Nagano Big Advance (SME Management Platform)
• Hachijuni Nagano Regional Revitalization / SDGs Private Placement Bond
• Bizikan Card
• Passbookless Account e-Rivure
• Hachijuni Nagano Pay-easy Account Transfer / WEB Direct Debit Service
• Hachijuni Nagano Net Anshin School (Internet Banking Security School)
• Housing Loan
• Mycar Loan (Auto Loan)
• Education Loan / Education Card Loan

Quantifiable outcome

• Up to 30 million yen in startup financing with up to 1% interest rate discount
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature1 record

Partnerships

Five partnerships are on record, tiered support and core.

• IBMsupportTechnology or IntegrationPartnership with IBM to provide Rapport antivirus software free of charge for corporate internet banking users, designed to prevent financial crimes including phishing and fraudulent transactions.
• 八十二スタッフサービス (Hachijuni Staff Service)coreOthersGroup company providing comprehensive human resources services as part of the Hachijuni Group.
• MoneyforwardsupportTechnology or IntegrationAPI integration partnership allowing Moneyforward services to access Hachijuni Nagano Bank account information for personal finance management and corporate accounting software.
• 八十二信用保証 (Hachijuni Credit Guarantee)coreOthersGroup company providing credit guarantee services for various loan products including free loans, car loans, and educational loans.
• Readyfor (FANTo! 信州応援CF)supportGTM or Marketing PartnerCrowdfunding platform partnership for regional support, linking to Readyfor platform for Shinshu (Nagano) regional projects and businesses.

Scale indicators1 record

Recent moves8 records

Expansion highlights6 records

Direct peers

• Toho Bank: Fukushima Prefecture regional bank of similar size and business profile to Hachijuni Nagano Bank. Comparable traditional regional banking model with deposits, lending, and digital services, serving a similarly-sized regional economy.
• Juroku Bank: Aichi/Gifu/Mie-focused regional bank with similar size tier and traditional retail/SME banking model. Comparable in product scope (deposits, mortgage loans, corporate lending, investment products) and regional consolidation strategy, making it a directly comparable Japanese regional peer.
• Chiba Bank: Major Japanese regional bank serving Chiba Prefecture with comprehensive retail and corporate banking products. Comparable size tier and similar business mix including housing loans, SME lending, and digital services. A direct regional banking peer of Hachijuni Nagano Bank.
• Concordia Financial Group (Bank of Yokohama): Parent of Bank of Yokohama, one of Japan's largest regional banking groups with a similar retail/SME focus across Kanagawa Prefecture. Comparable to Hachijuni Nagano Bank in scale tier, product breadth (deposits, loans, investment products), and post-merger consolidation strategy, making it a directly comparable Japanese regional peer.
• Shizuoka Bank: One of Japan's largest and most profitable regional banks, headquartered in Shizuoka Prefecture. Operates a similar full-service regional banking model (retail, corporate, investment products, regional development finance) and has executed megabank-style syndicated deals. Directly comparable in scale and product scope.
• Hokkoku Bank: Ishikawa Prefecture-headquartered regional bank serving the Hokuriku region adjacent to Nagano. Similar size tier and business mix including traditional deposits/lending, regional development focus, and digital channels. Geographic neighbor with directly comparable business model.
• Hokuetsu Bank: Niigata Prefecture regional bank serving the Hokuriku/Koshinetsu region bordering Nagano. Comparable in scale, business model (regional retail/SME banking), and product breadth. Direct regional peer with overlapping service geography.

Emerging players

• Seven Bank: Japanese digital/ATM-focused bank operated by Seven & i Holdings with the country's largest ATM network. Competes with Hachijuni Nagano Bank on ATM accessibility and digital banking convenience, including through the partner ATM relationship already in place.
• SBI Sumishin Net Bank: Leading Japanese internet-only bank offering retail deposits, mortgages, and investment products via digital channels. Competes with Hachijuni Nagano Bank for digitally-engaged customers in Nagano Prefecture without physical branches, representing an emerging digital threat to the regional franchise.

Broad incumbents

• Mizuho Bank: One of Japan's three megabanks and a confirmed partner of Hachijuni Nagano Bank via the Mizuho-arranged 100B yen Subaru syndicated facility. Serves the same corporate and retail customers but at much larger scale and with national/international reach, making it a broader incumbent competitor and counterparty.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/82bank_info
• YouTubeyoutube.com/channel/UCZGqG2e-5t6x6e
• Facebookfacebook.com/82bank
• Instagraminstagram.com/82bank_official

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Hachijuni Nagano Bank