North Pacific Bank, Ltd.
5.75
EUR
-0.10
(-1.71%)
North Pacific Bank, Ltd.
FRA:2PT
(Frankfurt Stock Exchange)
Recent
price
5.75
P/E
ratio
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div
yld
- -
ROIC.AI
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in mil. unless spec.- Similar Companies
- Business
- North Pacific Bank, Ltd. (8524.T) operates as a regional bank primarily providing banking and leasing products and services to individuals, corporations, small and medium-sized enterprises, local public entities, and government institutions in Japan, with a focus on Hokkaido. The bank offers deposits including savings accounts, fixed-term deposits, and negotiable certificates of deposit; loans such as housing loans with terms up to 50 years, automobile loans, education loans, renovation loans, card loans, and corporate loans for capital investments including redevelopment and green transformation projects; foreign exchange services; investment trusts and asset management support including fund wraps; insurance products; credit card services encompassing Hokuyo-JCB Card, debit cards, and large-scale corporate cards; ATM services with expanded mutual free usage tie-ups and passbook-less options; trust business services; securities brokerage through subsidiary North Pacific Securities Co., Ltd.; consulting, M&A advisory, and business growth support via Hokkaido Kyoso Partners Co., Ltd.; and leasing through Sapporo Hokuyo Lease Co., Ltd. North Pacific Bank maintains 171 branches primarily in Hokkaido, Sapporo headquarters at 7 Odori Nishi 3-chome, Chuo-ku, and operates smartphone app services for real-time account management and QR code payments; founded August 20, 1917, as Hokuyo Sogo Bank, Ltd., with a name change to North Pacific Bank in 1989, it reports deposits of 11,187.1 billion yen, loans of 7,919.2 billion yen, and total assets of 13,407.0 billion yen as of March 31, 2025. Recent developments include strengthened corporate lending to large and medium-sized enterprises in Hokkaido through syndicated loans and projects contributing to regional economic growth, achieving cumulative environment-related investments and loans of 500 billion yen ahead of the FY2030 schedule and raising sustainable finance targets to 2.0 trillion yen by FY2030 incorporating social issue solutions like semiconductor and new industry support, introduction of RAF operations for risk-adjusted performance management using RORA metrics to optimize risk-taking in areas like residential mortgages and SME lending, new personnel system starting July 2025 increasing personnel expenses by about 2 billion yen annually, expansion of card business with Hokuyo-JCB Card launch driving consumer agreements to 54,514 and corporate to 1,486 by FY2026 plan, quarterly dividend implementation from June 30, 2025 record date raising FY2025 dividend to 19 yen per share from 10 yen with total return ratio target of 50% and payout ratio of 40% or higher, policy shareholding reductions achieving 91% progress toward 5 billion yen book value cut by end-FY2026 with further plans including Hokkaido-headquartered firms, branch restructuring consolidating to about 125 branches by FY2025 with integrated corporate functions and Shinkin bank joint counters, ATM optimizations including post office installations and efficiency via relocated low-usage machines, yen bond portfolio growth to 2,540 billion yen balance targeting 9.1 billion yen income, consolidated core gross profit rise to 1,004 billion yen for FY2025 with profit attributable to owners at 20.6 billion yen up year-over-year, and FY2026 profit plan of 23.8 billion yen driven by net interest income growth to 89.4 billion yen amid policy rate assumptions.