The Hokuriku Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Hokkaido Bank for the sibling-FG peer / contrast (the other Hokuhoku banking wing), and against the FSA plus banking for the supervisory / system boundary. Group context lives in the parent Hokuhoku FG page.

TL;DR

The Hokuriku Bank, Ltd. (株式会社北陸銀行, Hokugin) is a regional bank (first regional bank) headquartered in Toyama Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank-license list. It is the core operating bank of Hokuhoku FG, and because it has a wide-area branch network across the 3 Hokuriku prefectures plus Hokkaido, the Tokyo metropolitan area, and Kinki, it is another banking pillar of the Hokuhoku group alongside The Hokkaido Bank. Its business is the standard regional-bank model: deposit-taking in its home territory and lending to SMEs, individuals, and local governments.

1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, hokugin.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

2. Operating model

The Hokuriku Bank is a regional bank that, centered on Toyama Prefecture, has expanded across the 3 Hokuriku prefectures of Ishikawa and Fukui, and further into Hokkaido, Tokyo, Osaka, and elsewhere. Its wide-area network crossing prefectural boundaries is its defining feature, and in Hokuhoku FG it forms a two-base model together with the Hokkaido Bank. The parent FG page covers the holding-company strategy and capital policy; this page keeps the actual bank license, branch network, and local lending surface separate.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, the FSA (FSA) and the Hokuriku Local Finance Bureau supervise. Soundness is disciplined through capital-adequacy-ratio regulation (domestic standard) and the like.
• Industry body: A first regional bank belonging to the Regional Banks Association of Japan (Chigin Kyo). It participates in the Zengin System (the nationwide bank funds-transfer settlement network) and, as an industry body, is connected 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 regional-bank consolidation in Hokuriku and wide-area, see regional-bank consolidation pattern.

4. Why this page matters

• Separates the regional-bank legal entity from hokuhoku-fg.
• Key comparison point against hokkoku-bank, toyama-bank, and toyama-first-bank.
• Registry-backed B2.1 regional-bank operating-company page; consolidation context lives at regional-bank-consolidation-pattern under banking index.

Related

• regional-banks INDEX
• hokuhoku-fg
• hokkaido-bank
• hokkoku-bank
• toyama-bank
• toyama-first-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): bank license list (ginkou.xlsx), regional banks.
• The Hokuriku Bank official company profile (会社概要), https://www.hokugin.co.jp/company/profile.html.