FinWiki
日EN中

The Hokkoku Bank

Confidence: Likely Updated 2026-06-05 Review by 2026-12-05 Sources 2 Machine-translated Original (JA)
#JapanFG#banking#regional-bank#hokkoku-fhd#operating-company
On this page

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Hokuriku Bank for the same-region peer / contrast, and against the FSA plus banking for the supervisory / system boundary. Group context lives in the parent Hokkoku Fhd page.

TL;DR

The Hokkoku Bank, Ltd. (株式会社北國銀行) is a regional bank (first-tier regional bank) based in Ishikawa Prefecture that holds a bank license under the Banking Act and is listed on the FSA’s bank license list. It is the core operating bank of Hokkoku Fhd. Whereas the FHD handles the holding-company / digital-platform strategy, this page handles the licensed bank entity and the regional-lending surface. Its business foundation is the standard regional-bank model of deposit-taking in Ishikawa / Hokuriku and lending to SMEs, individuals, and local governments.

1. License / group boundary

ItemNotes
Legal name株式会社北國銀行 / The Hokkoku Bank, Ltd.
License routebank license under the Banking Act (regional bank / first-tier regional bank); FSA bank license list
Group boundary[[regional-banks/hokkoku-fhd
Home marketIshikawa / Hokuriku（石川県地盤）
Wiki roleHokkoku group’s bank operating-company page

2. Operating model

The Hokkoku Bank, while handling retail / SME / municipal finance in Ishikawa Prefecture and the Hokuriku region, has also become the implementation base for the digital / BaaS platform strategy of Hokkoku Fhd. In addition to a regional bank’s traditional deposit-and-lending business, it is known for its initiatives to provide IT / digital infrastructure externally. By separating the holding company from the bank operating company, it organizes matters so as not to conflate the platform strategy with the bank-license business.

3. Regulatory & system positioning

  • Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Hokuriku Local Finance Bureau. Soundness is disciplined by capital adequacy ratio regulation (domestic standard) and the like.
  • Industry body: A first-tier regional bank belonging to the Regional Banks Association of Japan. It participates in the nationwide bank funds-settlement network (the Zengin System), and as an industry body it connects to the framework of Zenginkyo.
  • Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
  • Consolidation context: For the general context of Hokuriku regional-bank reorganization and consolidation pressure, see regional-bank consolidation pattern.

4. Why this page matters

  • Moves 北國銀行 exact-name coverage out of parent-only coverage.
  • Important for Hokuriku regional-bank comparison.
  • Registry-backed B2.1 regional-bank operating-company page.

Sources

  • FSA (金融庁): bank license list (ginkou.xlsx), regional banks.
  • The Hokkoku Bank official company outline (会社概要), https://www.hokkokubank.co.jp/company/about/outline/index.html.