Research Coverage

Hokkoku Bank

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Summary

Hokkoku Bank is a mid-tier regional bank with a lending share of 43.1% in Ishikawa Prefecture (loans outstanding in the prefecture totaled JPY4.2tn as of FY03/19). Hokkoku Bank is one of the 64 regional banks classified by the Financial Services Agency (FSA), among 191 Japanese banks licensed to operate in Japan under the Banking Act. The bank raises short-term funds through individual deposits and invests in long-term assets such as corporate loans and securities, earning the yield spread between long- and short-term interest rates in the form of interest income, its main source of profit.


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