Daishi Hokuetsu Bank Company Profile

Daishi Hokuetsu Bank is a Japanese regional bank that operates in the Hokuriku region. It was established in 1944.

The bank has a long history of serving the local community, and its name "Daishi Hokuetsu" roughly translates to "Great Benefit Hokuriku". This reflects the bank's commitment to providing financial services that benefit the people of the region.

Daishi Hokuetsu Bank has a network of over 60 branches and ATMs across the Hokuriku region. This extensive network allows the bank to provide convenient access to its services for customers.

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To find your Daishi Hokuetsu Bank SWIFT code, you can check your bank statement, log into your online banking account, or contact the bank directly.

The SWIFT code is essential for routing funds to the correct bank and branch, ensuring a secure and efficient transfer process.

You can find your Daishi Hokuetsu Bank SWIFT code on the official bank website under banking information or help sections.

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Daishi Hokuetsu Bank SWIFT code is crucial for international transfers, and you can find it by checking your bank statement, online banking account, or contacting the bank directly.

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The Daishi Hokuetsu Financial Group, Inc. reported significant sales in the banking sector, with a peak of 149 billion yen in 2024.

Their sales by activity show a steady growth in the banking sector, with 126 billion yen in 2020 and 149 billion yen in 2024.

The company's leasing business, however, has remained relatively stable, with sales ranging from 20.5 billion to 21.57 billion yen between 2020 and 2024.

Here's a breakdown of the company's sales by activity for the fiscal period of March:

The company's geographical breakdown of sales also shows that Japan remains the primary market for the company, with sales ranging from 123 billion to 136 billion yen between 2022 and 2024.

Daishi Hokuetsu Bank's problem loan ratio has deteriorated significantly to 2.23% as of December 2023, from just 1.5% three years ago.

This indicates that the bank's borrowers are more susceptible to economic stress, making it harder for them to pay back loans.

Rising domestic interest rates, inflation, and pay rises will weaken borrowers' debt payment capabilities, especially small and medium-sized enterprises.

This could result in a further deterioration in loan quality, posing a risk to the bank's asset quality.

The bank's loan growth outside of its home-market, Niigata Prefecture, has increased unseasoned risks, with loans outside of the prefecture growing by 13.5% in the fiscal year ended March 2023.

The bank's capital and profitability are also susceptible to rising domestic interest rates.

Despite these challenges, the bank's profitability is expected to improve gradually, thanks to synergies from past mergers and alliances with other regional banks.

The bank is expected to maintain its current capitalisation, with a TCE/risk-weighted assets (RWA) ratio of 9.7% as of December 2023.

Daishi Hokuetsu's liquidity is strong, supported by its high deposit share of around 43% in its home-market, Niigata Prefecture, as of the end of March 2023, and its low loan-to-deposit ratio of 63% as of the end of December 2023.

Daishi Hokuetsu Bank has been around since 1872, making it one of the oldest banks in Japan. It was established by the Daishi Hokuetsu Bank Foundation.

The bank has a strong presence in the Hokuriku region, with a network of over 140 branches and 150 ATMs.

As we dive into the company data, let's take a closer look at sales by activity. The Daishi Hokuetsu Financial Group, Inc. has reported significant fluctuations in their sales across different business activities.

Their banking business has seen a notable increase in sales, from 126 billion yen in 2020 to 149 billion yen in 2024.

Leasing business, on the other hand, has been relatively stable, with sales ranging from 20.5 billion yen to 21.57 billion yen over the past five years.

The company's others category has experienced a slight decrease in sales, from 15.63 billion yen in 2020 to 15.62 billion yen in 2023, before increasing to 18.99 billion yen in 2024.

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Securities business has seen a moderate increase in sales, from 4.17 billion yen in 2020 to 5.22 billion yen in 2024.

Here's a breakdown of the company's sales by activity over the past five years:

The unallocated adjustment has seen a significant decrease in sales, from -19.04 billion yen in 2020 to -11.9 billion yen in 2024.

Daishi Hokuetsu Financial Group, Inc. has several major shareholders, including Meiji Yasuda Life Insurance Co. and DAISHI HOKUETSU FINANCIAL GROUP, INC. itself.

Meiji Yasuda Life Insurance Co. is the largest shareholder with 3.535% of the company's equities, valued at approximately 63 million yen.

DAISHI HOKUETSU FINANCIAL GROUP, INC. is also a significant shareholder with 2.899% of the company's equities, valued at around 52 million yen.

The company's employee stock ownership plan also holds a substantial amount of shares, with 2.753% of the company's equities valued at approximately 49 million yen.

Here's a breakdown of the top shareholders:

These shareholders play a significant role in the company's decision-making process, and their interests should be taken into account when evaluating the company's performance.

Daishi Hokuetsu Financial Group, Inc. is a Japan-based holding company that operates as a bank, offering a range of financial services. The company's main business is banking, with a focus on deposit and lending services.

The headquarters of Daishi Bank is located in Niigata-shi, Japan, and the company has a significant presence in the country, with over 3,580 employees. Daishi Hokuetsu Financial Group, Inc. was incorporated in 2018.

Here are some key facts about Daishi Hokuetsu Financial Group, Inc.:

The board composition of Daishi Hokuetsu Bank is made up of experienced professionals who bring a wealth of knowledge and expertise to the table.

Fujio Namiki serves as the Chairman of the Board, a position he has held since 2021.

The Board of Directors consists of six members, including Satoshi Hasegawa, Kazuyoshi Hirokawa, Takuya Watanabe, Makoto Takahashi, Michiro Eguri, and Ken Shibata.

These directors have been serving on the board since 2018, with some members joining as recently as 2020.

Here's a brief overview of the directors:

Daishi Hokuetsu Financial Group, Inc. is a Japan-based holding company that operates a bank and engages in various financial services. It was incorporated in 2018.

The company's main business is banking, with a strong focus on deposit and lending services. Daishi Bank, the group's flagship bank, conducts securities investment, domestic exchange, foreign exchange, and window sales business of public bonds, investment trusts, and insurance.

The group has a significant presence in Japan, with a large number of employees (around 3.58k) working across its various subsidiaries. Its headquarters is located in Niigata-shi, Japan, with a clear address: 7-1071-1, Higashibori Maedori, Niigata-shi, 951-8066, Japan.

Here's a quick rundown of the company's financials:

You can also get in touch with the company through its phone number (+81 252247111) or visit its website at https://www.dhfg.co.jp/.