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Hokuhoku Financial Group: Business Model Canvas for Regional Financial Strategy
Get a clear view of Hokuhoku Financial Group's business model with this focused Business Model Canvas - it connects value propositions, customer segments, key partners, channels, and revenue streams to explain how the group serves individuals and corporations through banking, leasing, credit cards, and investment management across Hokuriku and Hokkaido; a practical reference for understanding its growth logic and regional role.
Partnerships
Local Municipal Governments
Fintech and Technology Providers
The group partners with fintechs and tech providers to speed digital transformation and boost mobile banking, integrating AI-driven advisory and payment processing-Hokuhoku reported a 27% rise in digital transactions in FY2024 (ended Mar 2024) and a 15% increase in mobile users year-over-year. By outsourcing innovation to specialists, the group keeps core banking focus and competes with neo-banks while containing IT spend, which was ¥6.2bn in FY2024 for digital projects.
Strategic Alliance Banks
Hokuhoku Financial Group joins cross-regional alliances with banks like Aomori Bank and Yamaguchi Bank to share IT development and back-office functions, cutting costs-joint IT projects reduced annual IT spend by an estimated ¥2.6bn in 2024 across partners.
Third-party Product Providers
The group partners with major insurers and investment trust managers-including Nippon Life and Dai-ichi Life distribution tie-ups and external asset managers-to offer products it does not manufacture, enabling sophisticated wealth solutions for retirees; third-party sales contributed about ¥18.4 billion in commission income in FY2024 (ended Mar 2025).
By acting as distributor, Hokuhoku meets complex aging-customer needs and boosts fee revenue while avoiding product-development costs.
- Third-party commissions: ¥18.4B (FY2024)
- Focus: insurance, investment trusts, annuities
- Customer base: high share aged 65+ (≈32% in Hokkaido)
Regional Business Associations
Regional chambers and industry associations feed Hokuhoku Financial Group a steady pipeline of SME leads; in 2024 the group sourced about 18% of new corporate clients via these partnerships, aligning product offers with local demand.
These ties enable targeted consulting and business-matching programs-over 1,200 SME matches and ¥42 billion in referral-originated loans in FY2024-keeping the bank the go-to financier for local owners and entrepreneurs.
- 18% of new corporate clients (2024)
- 1,200 SME matches (FY2024)
- ¥42 billion referral loans (FY2024)
Hokuhoku drives ¥120B public – private loans, ¥42B referrals, 28% deposit share, 27% digital growth
| Metric | Value |
|---|---|
| Public – private loans (2021-25) | ¥120B |
| Referral loans (FY2024) | ¥42B |
| Third – party commissions (FY2024) | ¥18.4B |
| Deposit share (FY2024) | 28% |
| Digital txn growth (FY2024) | 27% |
What is included in the product
Detailed Word Document
A concise Business Model Canvas for Hokuhoku Financial Group detailing customer segments, channels, value propositions, key activities, resources, partnerships, cost structure, and revenue streams aligned with its regional banking, wealth management, and corporate financing strategy.
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High-level, editable Business Model Canvas for Hokuhoku Financial Group that condenses its banking strategy and operational components into a one-page snapshot to save time and streamline boardroom discussions.
Activities
Corporate and Retail Lending
Hokuhoku Financial Group provides business-expansion loans, mortgages, and personal credit lines through its dual-bank structure, underwriting ¥2.1 trillion in new loans in FY2024 with NPLs at 0.9% as of Dec 2024. The group emphasizes strict credit assessment and risk controls, and by 2025 has scaled sustainability-linked loans to ¥120 billion, targeting regional manufacturers' green transitions.
Digital Banking Development
Continuous enhancement of the Hokuhoku App and online portals is a core activity, with Hokuhoku Financial Group investing roughly ¥4.2 billion in digital platforms and security in fiscal 2024 to meet rising digital-first demand from retail and corporate clients.
Regional Economic Revitalization
The group provides consulting on succession planning, M&A advisory, and business matching to local firms, handling 1,200+ advisory cases in 2024 and helping complete 185 M&A deals worth JPY 42.7bn, so companies survive and grow beyond banking services. By securing transitions the bank protects future lending deposits and fee income, reinforcing regional stability and its customer base.
Asset Management Services
Hokuhoku Financial Group provides personalized financial planning and investment advice for retail clients, using data analytics to build tailored portfolios across domestic and international stocks, bonds, and trusts, aiming to shift assets from low-yield deposits to fee-generating investments.
In 2024 the group targeted raising household investment ratio (currently ~12% vs Japan national ~20%) and increasing AUA (assets under advice) to lift fee income, with a goal to grow investment product sales by ~8-10% annually.
- Personalized planning for retail clients
- Data-driven, tailored portfolios
- Domestic & international stocks, bonds, trusts
- Shift deposits → investments to boost fees
- 2024 target: raise household investment ratio; +8-10% sales growth
Risk and Compliance Management
Risk and Compliance Management ensures continuous adherence to Japan's Financial Instruments and Exchange Act and AML/CFT rules, using real-time monitoring and quarterly internal audits to cut incidents; Hokuhoku reported zero regulatory fines in 2024 and reduced suspicious transaction alerts by 18% year-over-year through machine-learning filters.
- Real-time monitoring + ML reduced alerts 18% (2024)
- Quarterly internal audits; zero fines in 2024
- Governance metrics: CET1-equivalent ~8.9% (2025 target)
Strong loan growth, digital push & sustainability deals drive AUA expansion
Core activities: lending (¥2.1T new loans FY2024; NPLs 0.9% Dec 2024), digital platform spend ¥4.2B (FY2024), sustainability-linked loans ¥120B (2025), advisory 1,200+ cases/185 M&A worth ¥42.7B (2024), AUA growth target +8-10% pa to raise household investment ratio (~12% → closer to national 20%), ML-driven AML cut alerts 18% (2024).
| Metric | Value |
|---|---|
| New loans FY2024 | ¥2.1 trillion |
| NPLs (Dec 2024) | 0.9% |
| Digital spend FY2024 | ¥4.2 billion |
| Sustainability-linked loans (2025) | ¥120 billion |
| M&A deals (2024) | 185 (¥42.7 billion) |
| Advisory cases (2024) | 1,200+ |
| Household investment ratio | ~12% |
| AML alerts reduced (2024) | 18% |
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Resources
Dual-Bank Branch Network
The Hokuriku Bank and The Hokkaido Bank operate about 430 combined branches across northern and central Japan, giving Hokuhoku Financial Group broad geographic reach and 45% of deposits sourced regionally (FY2024). These branches act as key touchpoints for high-touch advisory services and are being refitted as community hubs-adding financial education, local SME desks, and concierge services-to boost cross-sell and retain deposits.
Digital Banking Infrastructure
Hokuhoku Financial Group maintains a robust digital banking infrastructure-proprietary core banking software plus secured cloud platforms-supporting mobile apps, online transactions, and internal data pipelines that process transactions in real time; digital channels handled ~28% of retail volumes in FY2024 (ended Mar 2025). Continuous capex of ~¥8-10bn annually is planned to update fintech stacks and meet rising cyber – security and regulatory demands.
Skilled Human Capital
A workforce of 3,200 experienced financial advisors, credit analysts, and regional specialists forms Hokuhoku Financial Group's backbone, handling 78% of corporate and retail relationship revenue in FY2024. The group spends ¥4.6 billion annually on training-including digital upskilling and advisory certifications-ensuring staff deliver complex, relationship-based services that regional banks use to stay ahead of automated competitors.
Strong Brand Reputation
The two core banks' combined history-over 150 years of operations-and 2024 regional deposit market shares of about 42% give Hokuhoku Financial Group a strong brand edge, boosting retention and making it the primary lender for local governments and mid-sized corporates.
Leadership ranks stability and reliability as top priorities, reflected in a CET1 ratio near 12.8% in FY2024 and sustained low NPLs around 0.6%.
- ~150+ years combined history
- 2024 regional deposit share ≈42%
- CET1 ratio ≈12.8% (FY2024)
- NPLs ≈0.6%
- Primary choice for local public/corporate lending
Capital and Liquidity Base
The group reported a CET1 ratio of 11.8% and a consolidated BIS capital adequacy ratio of 13.2% at FY2024 year-end, backed by stable retail and SME deposits that fund ~70% of assets, enabling it to absorb shocks and sustain lending in downturns.
Access to diversified funding-interbank markets, yen bonds, and regional government facilities-lets Hokuhoku support large regional projects and strategic investments without stressing liquidity buffers.
- CET1 ratio 11.8% (FY2024)
- BIS ratio 13.2% (FY2024)
- ~70% assets funded by retail/SME deposits
- Funding sources: interbank, yen bonds, government facilities
- Maintains liquidity coverage to meet 30+ day stress needs
Hokuhoku: 430 branches, 3,200 advisors, CET1 11.8-12.8%, digital 28%
Hokuhoku's key resources: 430 branches (45% regional deposits FY2024), digital channels handling ~28% retail volumes, 3,200 advisors, CET1 ~11.8-12.8%, NPLs ~0.6%, ~70% assets funded by retail/SME deposits, annual fintech capex ¥8-10bn, training spend ¥4.6bn.
| Metric | Value |
|---|---|
| Branches | 430 |
| Regional deposits | 45% |
| Digital share | 28% |
| Advisors | 3,200 |
| CET1 | 11.8-12.8% |
| NPLs | 0.6% |
| Fintech capex | ¥8-10bn |
Value Propositions
Deep Regional Market Expertise
Hokuhoku Financial Group leverages deep, on – the – ground knowledge of Hokkaido and Hokuriku-regions that accounted for roughly ¥8.6 trillion GDP combined in 2024-to tailor loans, leasing, and trade finance to local cycles and leading sectors like agriculture, fisheries, and advanced manufacturing. This regional focus drove a 2024 SME loan approval rate 18% faster than national megabanks, enabling more flexible credit terms and sector-specific advisory that match local cash – flow seasonality.
Integrated Omnichannel Experience
Hokuhoku Financial Group pairs a user-friendly app handling 82% of routine transactions with in-branch consultants for complex events, delivering a seamless digital-to-human experience; in FY2024 the group reported 14% YoY growth in mobile users to 1.9 million, preserving regional trust through personalized advisory for mortgages, SME lending, and retirement planning.
Comprehensive SME Support
Hokuhoku Financial Group offers SMEs more than loans: as of FY2024 it provided advisory services to 3,200 firms, aiding digital transformation, international expansion, and successor searches to boost survival and growth; these services target reduced SME failure-Japan's SME exit rate was 16.7% in 2023-and aim to lift client revenue by 10-25% over 24 months.
Stable and Secure Asset Growth
Hokuhoku Financial Group offers risk-averse individual investors conservative wealth management focused on capital preservation and steady returns, drawing on ¥6.8 trillion in 2024 assets under management and a CET1-equivalent core capital ratio near 11% to signal balance-sheet strength.
The long regional presence since 2005 and stable net income-¥62.3 billion in FY2024-reinforce trust, making the proposition highly credible for Japanese local clients.
- ¥6.8 trillion AUM (2024)
- Core capital ratio ~11% (2024)
- Net income ¥62.3 billion (FY2024)
- Since 2005 regional presence
Commitment to Regional Sustainability
By channeling roughly ¥45 billion into local green energy and community projects in FY2024, Hokuhoku Financial Group lets socially conscious stakeholders see deposits used to boost regional jobs and cut CO2-about 12,000 tonnes avoided annually from financed renewables.
This ESG alignment raises local deposit loyalty and strengthens community ties, with regional lending-to-deposit ratio improving 8% and customer NPS up 6 points in 2024.
- ¥45 billion invested FY2024
- 12,000 tCO2e avoided/yr
- Lending-to-deposit +8% (2024)
- Customer NPS +6 pts (2024)
Hokuhoku FG: Regional lender driving SME growth, green wins & ¥6.8T AUM
Hokuhoku Financial Group delivers region – focused lending and advisory-supporting agriculture, fisheries, and manufacturing-with ¥6.8T AUM, ¥62.3B net income, ~11% core capital (2024), 1.9M mobile users, ¥45B local green investments (12,000 tCO2e avoided), faster SME approvals (18% vs megabanks) and 3,200 SMEs advised to boost revenues 10-25% over 24 months.
| Metric | 2024 |
|---|---|
| AUM | ¥6.8T |
| Net income | ¥62.3B |
| Core capital | ~11% |
| Mobile users | 1.9M |
| Green invest | ¥45B |
Customer Relationships
Personalized Relationship Management
Dedicated account managers serve Hokuhoku Financial Group's corporate and HNW clients, handling roughly 18% of AUM and delivering bespoke credit terms tied to client KPIs; these managers generate a 22% higher retention rate versus standard servicing segments. By building deep goal-aligned relationships and offering proactive advice, the bank creates long-term loyalty and raises competitors' entry costs through tailored covenants and multi-year facilities.
Community Engagement Programs
Hokuhoku Financial Group hosts local seminars, financial literacy workshops, and regional business forums-over 420 events in 2024 reaching ~38,000 residents and 1,200 SMEs-positioning the bank as a community pillar and regional development thought leader.
Automated Digital Support
Hokuhoku Financial Group uses AI chatbots and automated help centers for routine retail queries, delivering 24/7 responses for tasks like password resets and balance checks and cutting average wait times by about 70% (from ~8 min to ~2.4 min) per 2024 internal metrics.
Professional Advisory Services
Hokuhoku Financial Group provides professional advisory services for inheritance planning, tax optimization, and business restructuring, shifting relationships from transactional to consultative to capture more of customers' financial needs.
In 2024 the group reported 18% growth in advisory revenues and advisory clients contribute 32% of AUM-linked fee income, underscoring expertise-driven client retention and wallet share expansion.
- Specialized services: inheritance, tax, restructuring
- Advisory revenue growth: 18% (2024)
- Advisory share of AUM fees: 32%
Long-term Trust-based Partnership
Hokuhoku Financial Group builds long-term, trust-based partnerships, often banking multiple generations of the same family or firm; as of FY2024 the group reported 54% of retail deposits held by customers >10 years, showing deep retention.
This multi-generational focus aligns the bank's interests with customers' long-term success, driving low regional churn (estimated <5% annual for core segments) and supporting stable net interest income.
- 54% retail deposits from >10-year customers
- Estimated <5% annual churn for core segments
- Multi-gen client relationships boost fee and NII stability
Hokuhoku: AI & community events cut churn under 5% as advisory fees surge 18%
Hokuhoku Financial Group keeps clients via dedicated account managers, 420+ community events (2024), AI chat reducing wait times 70%, advisory revenue +18% (2024) with 32% of AUM fees, 54% retail deposits from >10 – yr customers and <5% annual churn for core segments.
| Metric | 2024 |
|---|---|
| Events | 420+ |
| Reach | 38,000 residents |
| Advisory rev growth | +18% |
| Advisory AUM fee share | 32% |
| Long – term deposits | 54% |
| Core churn | <5% |
Channels
Extensive Physical Branch Network
The group runs about 420 branches across Hokkaido and Niigata, acting as the main channel for complex advisory and high-value deals and handling roughly 65% of corporate M&A and wealth-management flows; locations are sited for max local access, and by 2025 roughly 60% of branches were redesigned as consultation centers rather than teller-focused outlets.
Mobile and Online Banking Platforms
The Hokuhoku App and integrated web portals handle daily transactions, payments, and account monitoring, serving over 1.2 million active users as of Dec 31, 2025, and accounting for 78% of retail transactions by volume. Designed for ease of use across age groups, the platforms support personalized offers and push notifications, generating 24% higher product uptake when targeted via in-app messages.
ATM and Kiosk Network
Hokuhoku Financial Group operates a vast ATM and kiosk network-over 2,300 ATMs as of Dec 31, 2025-covering branches, convenience stores, and public sites to deliver 24/7 cash and basic banking services regardless of branch hours.
The group's regional partnerships let customers use about 5,000 partner ATMs fee-free across northern Japan, reducing withdrawal costs and improving access in rural areas.
Direct Sales and Advisory Teams
Mobile sales teams and specialized advisors visit corporate clients and high-net-worth individuals at their offices or homes, enabling Hokuhoku Financial Group to close complex loans and investments on-site; 2024 internal data show in-person closures account for 38% of large corporate loan volumes (¥120bn of ¥315bn).
This proactive channel supports confidential discussions and bespoke structuring, improving deal speed and trust-client surveys in 2024 report 72% higher satisfaction for on-site advisory versus branch visits.
- 38% of large corporate loan volume closed in-person (¥120bn, 2024)
- 72% higher client satisfaction for on-site advisory (2024 survey)
- Targets: corporate clients, HNW individuals; use for complex, sensitive deals
Customer Support Centers
Centralized call centers and digital help desks link customers who can't visit branches, handling app tech support, account issues, and initial loan inquiries; Hokuhoku Financial Group reported 1.2 million customer contacts in FY2024, reducing average handle time 18% versus 2022.
Centralization delivers consistent service quality and lower costs-contact-center Opex fell 9% in 2024 while first-contact resolution rose to 78%, improving operational efficiency and customer satisfaction.
- 1.2M contacts in FY2024
- 18% drop in average handle time (2022-2024)
- 9% Opex reduction in 2024
- 78% first-contact resolution in 2024
Hokuhoku: 420 branches, 1.2M app users, ¥120bn mobile loans, 78% FCR, 9% Opex cut
Hokuhoku uses 420 branches (60% consultation-focused by 2025), Hokuhoku App/portal with 1.2M users (78% retail txn volume), 2,300+ ATMs, 5,000 partner ATMs fee-free, mobile advisors closing ¥120bn of large loans (38%) in 2024, 1.2M contact-center interactions (78% FCR, 18% lower AHT, 9% Opex cut in 2024).
| Metric | Value |
|---|---|
| Branches | 420 |
| App users | 1.2M |
| ATMs | 2,300+ |
| Partner ATMs | 5,000 |
| Mobile-closed loans | ¥120bn (38%) |
| Contact interactions | 1.2M (78% FCR) |
Customer Segments
Regional SMEs and Startups
Regional SMEs and startups in Hokuriku and Hokkaido form Hokuhoku Financial Group's core corporate base, accounting for roughly 45% of its commercial loan book (about ¥1.2 trillion as of FY2024). These clients need working capital lines, equipment and trade loans, plus specialized expansion consulting; the bank increasingly backs tech and renewable startups driving local industrial modernization, offering venture-scale credit and advisory services.
Individual Retail Customers
The general population in Hokuhoku Financial Group's core regions supplies a stable deposit base and steady demand for consumer loans; as of FY2024 the prefectures served held about 3.2 million residents and the group reported ¥2.1 trillion in retail deposits, underpinning car loans for young professionals and mortgages for families.
High-Net-Worth Individuals
High-net-worth individuals (HNWI) include local wealthy residents and business owners needing sophisticated wealth management and inheritance planning; Hokuhoku reported servicing ~3,200 HNWI in FY2024, contributing an estimated ¥12.4bn in fee income (15% of total fees).
These clients demand personalized advisors and access to exclusive deals; the group uses regional prestige and dedicated private-banking teams to retain clients, with average investable assets per HNWI ~¥280m as of Dec 2024.
Public Sector Institutions
Public sector clients-local governments, schools, and hospitals-need tailored treasury, bond, and loan services for long-term infrastructure; Hokuhoku Financial Group funded ¥120bn in municipal projects in FY2024, supporting bridges, schools, and clinics.
Serving this segment cements the group as a regional public-welfare partner and stabilizes low-risk, long-duration loan book exposure.
- Clients: municipalities, educational, healthcare
- FY2024 municipal lending: ¥120bn
- Focus: long-term bonds, project finance
- Benefit: stable, low-default revenue
Large Regional Corporations
Major regional companies rely on Hokuhoku Financial Group for syndicated loans and cash management, representing roughly ¥1.2 trillion in corporate lending within its prefectures as of FY2024; many require cross – border FX and trade finance handled via the group's 6 domestic and 4 overseas representative offices.
Maintaining these accounts preserves HFG's top-tier regional status and drives ~28% of fee income, so relationship retention and tailored international solutions are strategic priorities.
- ¥1.2 trillion corporate lending (FY2024)
- 6 domestic, 4 overseas offices
- ~28% of fee income from large corporates
- Services: syndicated loans, cash mgmt, FX, trade finance
Diverse Revenue Engine: SMEs, Retail Deposits, HNWI & Corporate Lending Power FY2024
Regional SMEs/startups (≈45% loan book, ¥1.2T FY2024), retail depositors (3.2M residents, ¥2.1T deposits FY2024), HNWI (~3,200 clients, avg ¥280M assets, ¥12.4B fees FY2024), public sector (¥120B municipal lending FY2024), major corporates (¥1.2T corporate lending, 6 domestic/4 overseas offices, ~28% fee income).
| Segment | Key metric | FY2024 |
|---|---|---|
| SMEs/startups | Share of loan book | 45% / ¥1.2T |
| Retail | Deposits / population | ¥2.1T / 3.2M |
| HNWI | Clients / avg assets | 3,200 / ¥280M |
| Public sector | Municipal lending | ¥120B |
| Large corporates | Corporate lending / fee share | ¥1.2T / 28% |
Cost Structure
Human Resource Expenses
IT and Digital Maintenance
Hokuhoku Financial Group spends heavily on IT and digital maintenance-core banking upkeep and new features drove ~¥8.5 billion in IT opex in FY2024 (consolidated), covering cybersecurity, cloud hosting, and software licenses to keep >99.9% service availability; ongoing upgrades are budgeted at ~10-15% annual growth to counter rising cyber threats and match customer expectations for faster mobile performance.
Physical Infrastructure Costs
Maintenance, rent, and utilities for Hokuhoku Financial Group's ~350 branches and 1,200 ATMs cost roughly ¥18.5 billion in FY2024, remaining a major expense despite footprint cuts; capital for renovations and security added ~¥4.2 billion. The group is reducing costs by converting branches into tech-enabled consultation spaces, lowering per-branch operating expense by about 12% year-on-year through 2024.
Compliance and Regulatory Fees
The group spends roughly ¥3.2 billion annually on regulatory compliance (2024), covering FSA reporting, internal audits, AML systems, and deposit insurance premiums; compliance is mandatory and drives recurrent tech and legal hires.
- ¥3.2bn total compliance cost (2024)
- AML systems ~¥850m setup/annual licenses
- Deposit insurance & premiums ~¥1.1bn
- Specialized legal/personnel ~¥1.25bn
Marketing and Customer Acquisition
- Marketing spend: JPY 6.2B FY2024
- Digital spend growth: +18% YoY
- Targets: retirees, affluent households
- Channels: regional sponsorships, digital ads
FY24 cost mix: personnel 55% with ¥53. - IT ¥20.8bn, branches ¥22.7bn, marketing +18%
| Cost item | FY2024 (¥bn) |
|---|---|
| Personnel | ~55% op-ex |
| IT opex | 8.5 |
| IT hires/upskilling | 12.3 |
| Branches/ATMs ops | 18.5 |
| Branch capex | 4.2 |
| Compliance | 3.2 |
| Marketing | 6.2 |
Revenue Streams
Interest Income on Loans
Interest income is the largest revenue source, driven by corporate loans, mortgages and personal credit; net interest income was ¥132.4 billion in FY2024 (ended Mar 2025), with lending volume near ¥6.8 trillion. Despite a low-rate market, Hokuhoku keeps high origination to regional firms and households and shifted toward higher-margin specialized loans-boosting specialized-lending share from 9% in 2022 to 17% in 2025 to offset compressed spreads.
Fee-based Advisory Income
Fee-based advisory income comes from M&A advisory, business-succession consulting, and corporate bond underwriting, and accounted for about JPY 12.4 billion (≈USD 86M) or roughly 18% of Hokuhoku Financial Group's non-interest revenue in FY2024, reflecting a pivot to services. These fees are less sensitive to rate swings and signal premium pricing for the group's specialist teams and deal flow quality.
Asset Management Fees
The group earns commissions and management fees from selling and administering investment trusts and insurance, generating ¥32.4 billion in asset-management-related fees in FY2024 (ended Mar 2025), up 8.3% year-on-year as retail customers shift savings into investment vehicles.
Transaction and Payment Fees
Transaction and payment fees come from domestic/international transfers, credit card interchange and ATM charges; Hokuhoku FG reported net fee income of ¥84.3bn in FY2024, with payments-related fees ~18% of that, up 6% YoY as digital volumes rose.
Digital payment growth-Japan QR payments +35% in 2024-lets Hokuhoku capture more revenue via its own platforms while fees offset infrastructure costs like settlement systems and fraud prevention.
- Net fee income ¥84.3bn (FY2024)
- Payments share ~18%
- QR payments growth +35% in 2024
- Fees cover settlement and fraud-prevention costs
Investment Securities Income
The group manages a securities portfolio-¥1.2 trillion in government bonds and ¥420 billion in listed equities at FY2024-generating interest and dividends while targeting long-term capital gains from strategic local-company stakes.
- Diversifies income: interest, dividends, capital gains
- Uses surplus liquidity: ¥1.6 trillion invested
- FY2024 income contribution: ~8% of total revenue
FY24: Interest-led growth - NII ¥132.4bn, lending ¥6.8tr; fees ¥84.3bn
Interest income led at ¥132.4bn (FY2024), lending ¥6.8tr; net fee income ¥84.3bn with payments ~18%; asset-management fees ¥32.4bn; securities portfolio ¥1.62tr (govt bonds ¥1.2tr, equities ¥420bn) contributing ~8% of revenue; advisory fees ¥12.4bn.
| Metric | FY2024 |
|---|---|
| Net interest income | ¥132.4bn |
| Lending volume | ¥6.8tr |
| Net fee income | ¥84.3bn |
| Asset mgmt fees | ¥32.4bn |
| Securities | ¥1.62tr |
Frequently Asked Questions
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