Hachijuni Bank

Basic Information

Stock Code
8359
Industry
Banking
Category Detail
Banks
Prefecture
Nagano Prefecture
Establishment Year
August 1931
Listing Year
October 1971
Official Website
https://www.82bank.co.jp/
TSE Information
TSE Information
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Other Companies
Iyo Bank Holdings, Shizuoka FG, Kyoto Financial Group, Mebuki Financial Group, Concordia Financial Group, Hiroshima Bank Holdings, Chiba Bank, Gunma Bank, 77 Bank, Fukuoka Financial Group, Yamanashi Bank

Overview

Hachijuni Bank, founded in 1931, primarily operates regional banking centered in Nagano Prefecture, having established a top position among regional banks through solid management and community-focused strategies.

Current Situation

Hachijuni Bank has recently expanded across Nagano Prefecture and beyond, boasting solid financial foundations with deposits of 6.7348 trillion yen and loans outstanding of 5.2691 trillion yen. It completed a management integration with Nagano Bank in June 2023 and plans a merger into Hachijuni Nagano Bank in January 2026 to strengthen regional financial competitiveness. It serves as the designated financial institution for 35 local municipalities, enjoying strong regional trust, and actively participates in business alliances with regional banks nationwide, promoting efficiency through shared systems. ATM alliances enhance convenience, including compatibility with emerging networks like Lawson Bank. Recently, it has focused on IT-driven business efficiency and management strengthening, participating in the Mt. Fuji-Alps Alliance to deepen ties with Shizuoka Bank and Yamanashi Central Bank. To support sustainable regional economies, it offers comprehensive financial services through affiliates in credit guarantees and leasing. In a competitive market, management integration for scale expansion and system sharing provide major strengths. It aims for stable growth by supporting regional economic development and expanding its customer base.

Trivia

Interesting Facts

  • Bank name derives from the sum of predecessor national bank numbers
  • Head office in Nagano City, 151 branches domestically and internationally
  • Subsidiary-ized Nagano Bank in June 2023 for large-scale integration
  • Overwhelming share among regional banks in Nagano Prefecture
  • Self-developed integrated online system since 1970s
  • Leads 'Judan-kai' system sharing among 6 regional banks
  • Nationwide-scale ATM network allied with major convenience stores
  • Provides numerous financial products focused on SDGs and regional revitalization
  • Deep capital and transaction ties with major city banks like Mizuho
  • Plans name change to Hachijuni Nagano Bank via merger with Nagano Bank
  • Japan IBM involved in operational support for information systems
  • Sales area centered on Nagano, extending to Niigata, Kanto, Tokai, Kansai, Hong Kong
  • Affiliates include cards, leasing, securities, systems development
  • President Masaki Matsushita upholds solid management policy
  • Maintains high ratings from S&P, JCR, etc.

Hidden Connections

  • Deep trust built through capital and lending ties with Mitsubishi Group
  • Strong transaction ties with Shin-Etsu Chemical via former Imperial Bank lineage
  • Japan Trustee Services Bank as major shareholder
  • Plays key role in regional bank restructuring via integration with Nagano Bank
  • Pioneer in regional bank system sharing, forming Judan-kai
  • Exploring overseas expansion with Hong Kong branch and SE Asia offices
  • Early participant in Lawson Bank's instant settlement for advanced rollout
  • Strengthens regional financial network via ATM alliances with multiple credit unions

Future Outlook

Growth Drivers

  • Support for regional economic recovery and population decline measures
  • Business scale and efficiency improvements from regional bank integration
  • Business efficiency via IT and digital tech introduction
  • Cashless promotion and deepened regional payments
  • Expansion of green finance demand responding to SDGs needs
  • New customer acquisition via broad alliances
  • Strengthened support for growth of local SMEs
  • International business expansion through overseas bases
  • Response to diversifying asset management needs
  • Strengthened community-focused credit services
  • System sharing and cost reduction effects
  • Increased digital channel usage by younger customers

Strategic Goals

  • Maintain status as region's largest financial services provider
  • Maximize synergies from management integration
  • Complete digital transformation
  • Lead sustainable regional development support financially
  • Expand green finance ratio to over 50%
  • Achieve full cashless and paperless at all branches
  • Leadership in domestic regional bank alliance network
  • Establish diversity promotion and talent development systems
  • Achieve over 90% customer satisfaction
  • Establish medium- to long-term ordinary income at 100B yen scale

Business Segments

SME Financing

Overview
Provides diverse financing products to meet SMEs' funding needs in the region, supporting growth.
Competitiveness
Community-focused credit analysis and rapid approval response
Customers
  • Local SMEs
  • Manufacturing
  • Services
  • Retail
  • Construction
Products
  • Working Capital Financing
  • Equipment Investment Loans
  • Short-term Loans
  • Real Estate Collateral Loans

Corporate Deposits and Cash Management

Overview
Supports corporate customers' cash safety management and operations comprehensively.
Competitiveness
Strong networks and trust with local companies
Customers
  • SMEs
  • Local Branches of Major Corporations
  • Medical Corporations
  • Educational Corporations
  • Municipal-related
Products
  • Fixed-term Deposits
  • Current Deposits
  • Cash Management Services
  • Remittance Services

Housing Development and Real Estate Services

Overview
Real estate-related financial services contributing to regional housing market activation.
Competitiveness
Expert advice and financial support attuned to local conditions
Customers
  • Real Estate Firms
  • Housing Manufacturers
  • Carpentry Shops
  • Construction Companies
Products
  • Real Estate Collateral Loans
  • Construction Financing
  • Sales Brokerage
  • Real Estate Valuation Services

Local Government and Public Project Support

Overview
Efficiently supports funding procurement and management for local public bodies.
Competitiveness
Long-term trust with local governments
Customers
  • Nagano Prefecture Municipalities
  • Cities and Towns
  • Public Facility Operators
Products
  • Public Bond Issuance Support
  • Fund Deposits
  • Cash Management Advice
  • Financing Support

Securities and Investment Services

Overview
Provides comprehensive securities services to support customer asset growth.
Competitiveness
Collaboration with regionally rooted securities subsidiaries
Customers
  • Individual Investors
  • Corporates
  • Family Offices
Products
  • Stock and Bond Trading
  • Investment Trust Sales
  • Asset Management Consulting
  • M&A Support

Guarantee and Credit Support

Overview
Guarantee services supporting improved creditworthiness and business stability.
Competitiveness
Rapid guarantee response via credit guarantee subsidiary
Customers
  • SMEs
  • Sole Proprietors
  • Local Government-related Businesses
Products
  • Credit Guarantees
  • Credit Investigations
  • Receivables Management
  • Debt Collection

Leasing and Equipment Investment Support

Overview
Offers a variety of leasing products to promote efficient equipment investment.
Competitiveness
Synergies with in-group leasing companies
Customers
  • Manufacturing
  • Retail
  • Services
  • Public Sector
Products
  • Auto Leasing
  • Equipment Leasing
  • Finance Leasing
  • Used Equipment Handling

Card and Cashless Payment Services

Overview
Deploys multifaceted payment services to promote regional consumption activation.
Competitiveness
Ties with partner convenience stores and in-group card companies
Customers
  • Consumers
  • Retail
  • Dining
  • Services
Products
  • Credit Cards
  • Debit Cards
  • Electronic Money
  • Payment Terminal Rentals

Overseas Bases and International Operations

Overview
Supports regional companies through international financial services including Asian markets.
Competitiveness
On-site support via representative offices in Shanghai, Singapore, Bangkok
Customers
  • Local Companies' Import/Export Firms
  • International Tourism
  • Overseas Expansion Companies
Products
  • Foreign Exchange Transactions
  • Trade Finance
  • Overseas Remittances
  • Local Staff Support

IT and System Solutions

Overview
Enhances business efficiency and security with IT services developed by systems subsidiary.
Competitiveness
Customization capabilities from in-house development
Customers
  • Regional Banks
  • Local Public Bodies
  • SMEs
Products
  • Online Banking
  • Business Efficiency Systems
  • Security Solutions

Education and Regional Revitalization Support

Overview
Deploys multifaceted support activities also contributing to regional society.
Competitiveness
Trust from long-term community-focused activities
Customers
  • Local Residents
  • Local Governments
  • Educational Institutions
Products
  • Financial Education Programs
  • Regional Event Support
  • Culture and Sports Support

Environmental Response and SDGs Support

Overview
Promotes financial support for sustainable regional creation.
Competitiveness
Proposal capabilities tailored to local environmental issues
Customers
  • Corporates
  • Municipalities
  • Regional Groups
Products
  • Environmental Investment Funds
  • Green Loans
  • Energy-saving Support Services

Competitive Advantage

Strengths

  • Overwhelming regional sales base in Nagano Prefecture
  • Solid management and stable finances
  • Scale expansion and efficiency from management integration
  • Strong provision of diverse financial products and services
  • In-house development and advanced operation of IT systems
  • Nationwide network through broad alliances
  • Trusted status as designated financial institution
  • Strong commitment to regional society
  • Convenience from diverse ATM alliances
  • Group synergies in securities, leasing, etc.
  • Active business alliances and system sharing
  • Development of broad corporate and individual customer base
  • Rich cashless payment services
  • Support system for international business expansion
  • Promotion of sustainability initiatives

Competitive Advantages

  • Exclusive sales network in Nagano and surrounding areas
  • Diverse product rollout tailored to regional financial needs
  • Competitiveness strengthened by management integration with Nagano Bank
  • Operational optimization via in-house online system development
  • Coordinated financing leveraging alliances with major regional banks
  • Community-focused credit investigations and rapid response
  • Comprehensive financial services across multiple areas
  • Strong trust with local public bodies
  • Operational expertise specialized in local company support
  • Cost reduction from joint system development
  • Continuous sales efficiency improvements via IT utilization
  • Establishment of secure and safe regional financial base
  • Human resource development and management stability
  • Service expansion via robust group subsidiaries
  • Sustainable contribution to regional society

Threats

  • Risk of customer base shrinkage from regional population decline
  • Profit pressure from prolonged low-interest environment
  • Intensified competition with major banks and online banks
  • Heightened competition with rivals amid regional bank restructuring
  • Increasing security risks like cyberattacks
  • Increased operational burden from stricter regulations
  • Impact of international financial risks like FX fluctuations
  • Competitiveness decline from delays in new tech adoption
  • Profit decline from ATM fee-free competition
  • Loan loss risks from regional economic fluctuations
  • Organizational risks from integration processes
  • Market entry by emerging fintech firms

Innovations

2024: Strengthening Mt. Fuji-Alps Alliance Business Partnership

Overview
Launched three-bank business alliance 'Mt. Fuji-Alps Alliance' with Shizuoka Bank and Yamanashi Central Bank to promote seamless regional economic support.
Impact
Increased joint projects achieve improved customer services and cost reductions

2023: Management Integration with Nagano Bank Completed

Overview
Through integration, Hachijuni Bank becomes full parent, Nagano Bank subsidiary, significantly strengthening regional financial base.
Impact
Revenue growth and cost optimization from expanded sales base

2022: Participation in Lawson Bank 'Instant Account Settlement Service'

Overview
Joined instant account settlement service, launching au PAY top-up function at Lawson ATMs.
Impact
Increased customer satisfaction from enhanced convenience

2021: Expanded Introduction of iPad-based Sales Support System

Overview
Fully deployed mobile support system using iPads to improve sales activity efficiency.
Impact
Sales efficiency up approx. 25%, faster customer response

2020: Implemented Advanced Cyber Security Enhancement Measures

Overview
Introduced latest cyberattack countermeasures to strengthen defenses.
Impact
Significantly reduced customer data leak risks

2024: Expansion of Online Integrated System Functions

Overview
Added and enhanced online banking functions to improve customer convenience.
Impact
30% increase in digital service users

2023: Expansion of Environmentally Considerate Financial Products

Overview
Expanded green loan lineup and promoted establishment of environmental investment funds.
Impact
Contributes to regional companies' environmental measures

2022: ATM Fee Structure Review and Improvement Measures

Overview
Reviewed regional fee systems for Lawson ATM usage to balance convenience and revenue.
Impact
Achieves both customer retention and revenue maintenance

2021: Expansion of Cashless Payment Services

Overview
Expanded alliances for electronic money and credit cards to diversify payment services.
Impact
Increased users lead to higher payment fees income

2020: Enhanced Cloud Compatibility for Information Processing Systems

Overview
Built safe and flexible operations using advanced cloud environments.
Impact
20% reduction in operating costs, stable operations

Sustainability

  • Regional environmental conservation support via green loans
  • SDGs implementation support programs for local companies
  • Active disaster recovery support activities for regional society
  • Development and promotion of environmentally considerate financial products
  • Promotion of energy-saving at sales bases
  • Contribution to paper resource reduction via cashless promotion
  • Promotion of diversity including women's empowerment
  • Contribution to sustainable regional economic development
  • Building secure information management systems
  • Active sales of sustainable investment trusts
  • Financial education through collaboration with regional educational institutions
  • Introduction of environmentally considerate business processes