Hokkoku Financial Holdings, Inc. is a holding company that is primarily known for maintaining the Hokkoku Bank, which is based in Ishikawa Prefecture, as its core subsidiary. In addition to its banking services, the bank provides financial assistance including consulting, credit card, and leasing services.The bank raises short-term funds from personal deposits and invests them in long-term assets such as corporate loans and securities, generating interest income from the spread between long- and short-term interest rates.