Overview
Banks

North Pacific Bank,Ltd.

North Pacific Bank (Hokuyо Bank) is the leading regional bank headquartered in Hokkaido, Japan, providing a comprehensive range of financial services including deposit-taking, lending, domestic and foreign exchange, and securities services through its head office and branch network. The Bank's group companies extend its offerings to include leasing (Sapporo Hokuyо Lease), credit cards and credit guarantees (Sapporo Hokuyо Card), securities brokerage (Hokuyо Securities), and consulting, HR placement, and M&A advisory services (Hokkaido Kyoso Partners). The Bank is committed to contributing to the revitalization of the regional economy of Hokkaido through diverse financial products and services.

Market Cap
¥413B
US$2.63B
EV
¥—B
Stock¥1,104▼-2.04%
US$1 = ¥156.80 (2026-10-23)
ROE
7.1%
* LTM NI / end-of-period equity
PBR
1.0
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+31.4%pt
10012
Oct 24, 25 – Oct 23, 26StockTOPIX
1Mar 9, 26Market-wide: Post-TOB adjustment
2Aug 5, 26Q1 FY2027/03 earnings announced
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Performance & Balance
Revenue 5Y (¥B)
124US$794M'22/3127US$808M'23/3133US$849M'24/3151US$961M'25/3236US$1.50B'26/3
Net Income 5Y (¥B)
11.8US$75.0M'22/39.65US$61.5M'23/312.8US$81.8M'24/320.6US$131M'25/325.6US$163M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
4,312US$27.5B'22/32,773US$17.7B'23/33,039US$19.4B'24/32,634US$16.8B1.71US$10.9M'25/32,264US$14.4B1.55US$9.87M'26/3
Shareholders
Top 10 hold 46.2%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
9.31%
2
Nippon Life Insurance Company
8.24%
3
Meiji Yasuda Life Insurance Company
8.24%
4
Hokkaido Electric Power Company,Incorporated
6.19%
5
Custody Bank of Japan, Ltd. (Trust Account)
4.42%
6
Taiju Life Insurance Company Limited
2.96%
7
BNYM AS AGT/CLTS NON TREATY JASDEC (Standing Proxy: MUFG Bank, Ltd.)
2.02%
8
North Pacific Bank,Ltd. Employee Stock Ownership Association
1.82%
9
The Dai-ichi Life Insurance Company, Limited
1.58%
10
STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
1.42%
Management
10 officers
Mitsuharu YASUDA
Director, Chairman of the Board
Apr 1983 Joined Hokuyo Mutual Bank, Ltd. (now the Bank) Apr 2004 Planning Section Manager, Management Planning Department, the Bank Apr 2005 Manager, Miyanosawa Branch Aug 2007 Investigation Officer, Personnel Department (seconded to Ishiya Confectionery Co., Ltd.) Apr 2009 Deputy General Manager, Loan Department No. 1 Jun 2011 Manager in charge, Loan Department No. 1; General Manager, Credit Planning Office Jun 2013 Executive Officer, General Manager, Loan Department No. 1 Jun 2014 Director, General Manager, Management Planning Department Jun 2016 Managing Director Apr 2018 Representative Director, President Jun 2021 Audit & Supervisory Board Member, Hokkaido Railway Company (current) Apr 2024 Director, Chairman of the Board, the Bank (current)
1959-10-05
Hirotsune TSUYAMA
Representative Director, President, CEO and CHRO
Apr 1991 Joined Hokkaido Takushoku Bank, Ltd. Nov 1998 Joined the Bank Oct 2012 Manager, Management Planning Department, the Bank Jun 2014 Manager, Shinkawa Chuo Branch Apr 2016 Manager, Planning Section, Management Planning Department Apr 2017 Deputy General Manager, Management Planning Department Apr 2018 Senior Manager in charge, Management Planning Department Apr 2019 Executive Officer, General Manager, Management Planning Department Apr 2020 Executive Officer, Deputy General Manager, Head Office Sales Department Jun 2021 Senior Executive Officer, General Manager, Obihiro Chuo Branch, concurrently General Manager, Obihiro Nishi Branch and Obihiro Minami Branch Jun 2023 Managing Director Apr 2024 Representative Director, President Jun 2024 Representative Director, President, CEO and CHRO (current)
1968-02-17
Hitoshi MASUDA
Representative Director, Deputy President and CBPO
Apr 1987 Joined Hokuyo Mutual Bank, Ltd. (now the Bank) Mar 2009 Manager, Naebo Branch Oct 2010 Investigation Officer, Personnel Department (seconded to Sapporo Hokuyo Holdings, Inc.) Jun 2011 Loan Section Manager, Retail Department Jun 2014 Deputy General Manager, Loan Promotion Department, and Manager, Consumer Finance Promotion Section Apr 2015 Manager, Toyohira Branch Apr 2017 Executive Officer, Manager, Tomakomai Chuo Branch Apr 2019 Senior Executive Officer, Manager, Obihiro Chuo Branch Jun 2020 Senior Executive Officer, Manager, Obihiro Chuo Branch and Obihiro Minami Branch Mar 2021 Senior Executive Officer, Manager, Obihiro Chuo, Obihiro Nishi and Obihiro Minami Branches Jun 2021 Managing Director, General Manager, Head Office Sales Department Jun 2022 Senior Managing Director, General Manager, Head Office Sales Department Jun 2024 Representative Director, Deputy President and CBPO (current) Mar 2025 Audit & Supervisory Board Member, Nakamichi Lease Co., Ltd. (current)
1964-10-30
Kazushi YONEDA
Senior Managing Director, CSO and CFO
Apr 1989 Joined Hokkaido Takushoku Bank, Ltd. Nov 1998 Joined the Bank Jun 2011 Manager, Management Planning Department, the Bank Oct 2012 Manager, Funds and Securities Department, Investment Section Apr 2017 Deputy General Manager, Market Sales Department Apr 2018 Manager in charge, Solutions Department Jul 2018 Manager in charge, Solutions Department, and Director, International Business Support Office Apr 2019 General Manager, Solutions Department Jun 2020 Executive Officer, General Manager, Solutions Department Jun 2021 Senior Executive Officer, General Manager, Solutions Department, and General Manager, Corporate Promotion Department Apr 2022 Senior Executive Officer, General Manager, Hakodate Chuo Branch and Suehirocho Branch Jun 2023 Director, General Manager, Branch Sales Support Department Jun 2024 Managing Director, CSO, CFO and CIO Jun 2025 Managing Director, CSO and CFO Jun 2026 Senior Managing Director, CSO and CFO (current)
1965-03-27
Akira YAMADA
Managing Director and CRO
Apr 1990 Joined Hokkaido Takushoku Bank, Ltd. Nov 1998 Joined the Bank Jun 2011 General Manager, Numanohata Branch Oct 2012 Examiner, Loan Department No. 1 Nov 2013 Manager, Business Improvement Support Office, Loan Department No. 1 Oct 2016 Deputy General Manager, Loan Department No. 1 Apr 2017 Manager in charge, Loan Department No. 1 Apr 2019 Executive Officer, Deputy General Manager, Head Office Sales Department Mar 2020 Executive Officer, Deputy General Manager, Head Office Sales Department, and General Manager, Corporate Sales Department Apr 2020 Senior Executive Officer, General Manager, Hakodate Chuo Branch and Suehirocho Branch Apr 2022 Senior Executive Officer, General Manager, Corporate Promotion Department and Solutions Department Jun 2022 Director, General Manager, Corporate Promotion Department and Solutions Department Jun 2024 Managing Director and CRO (current)
1966-07-02
Shiro KURIO
Director, Audit and Supervisory Committee Member (Full-time)
Apr 1986 Joined Hokuyo Mutual Bank, Ltd. (now the Bank) Oct 2008 Manager, Loan Department No. 1, the Bank Jun 2009 Manager, Corporate Department May 2010 Deputy General Manager, Kushiro Chuo Branch Oct 2012 General Manager, Shiroishi Hongo Branch Apr 2014 Manager, Sales Promotion Division Jun 2014 Deputy General Manager, Business Strategy Department, and Manager, Strategic Planning Section Apr 2015 Manager in charge, Loan Department No. 1 Apr 2016 General Manager, Loan Planning Department Apr 2017 Executive Officer, General Manager, Financial Marketing Department Apr 2019 Executive Officer, General Manager, Personnel Department Jun 2021 Senior Executive Officer, General Manager, Personnel Department Apr 2023 Senior Executive Officer, General Manager, Audit Department Jun 2025 Director, Audit and Supervisory Committee Member (current)
1963-04-05
Toshiaki KAMBE
Director
Apr 1988 Joined Hokkaido Takushoku Bank, Ltd. Dec 1997 Resigned Oct 2002 Registered as an attorney-at-law Oct 2006 Opened Kambe Law Office Jan 2009 Established Kambe Law Office, a Legal Professional Corporation Oct 2014 Renamed Kambe, Mangi & Fukuda Law Office, a Legal Professional Corporation; Senior Partner (current) Jun 2018 Outside Director, Nihon Grande Co., Ltd. (current) Jun 2023 Director, the Bank (current)
1964-01-09
Sakiyo TAHARA
Director, Audit and Supervisory Committee Member
Apr 1994 Joined the former Ministry of Labour Apr 1998 Women's Employment and Welfare Specialist, Hokkaido Labour Bureau, Ministry of Health, Labour and Welfare Apr 2006 Employment Supply Adjustment Instructor, Public Employment Security Department Apr 2008 Registered as a Certified Social Insurance and Labour Consultant; opened Kitaou Labour Law Office (current) Aug 2012 Member, City Planning Council, Kitahiroshima City Jun 2023 Director, the Bank Jun 2024 Director, Audit and Supervisory Committee Member (current)
1968-06-21
Ko HASHIMOTO
Director, Audit and Supervisory Committee Member
Apr 1992 Joined the Hokkaido Development Agency Apr 2019 Executive Officer, Deputy General Head, General Planning Headquarters, Hokkaido Railway Company (seconded) Jul 2020 General Manager, Construction Department, Hokkaido Development Bureau, Ministry of Land, Infrastructure, Transport and Tourism Jul 2021 Director-General, Hokkaido Development Bureau Jul 2022 Director-General, Hokkaido Bureau Dec 2024 Advisor, Hokkaido Development Technology Center, General Incorporated Association May 2025 Chairman, Hokkaido Development Technology Center (current) Jun 2026 Director, Audit and Supervisory Committee Member, the Bank (current)
1964-10-15
Shoko AOYAMA
Director, Audit and Supervisory Committee Member
Oct 2001 Joined Tohmatsu & Co., Sapporo Office (Deloitte Touche Tohmatsu LLC) Jul 2005 Registered as a Certified Public Accountant Nov 2010 Deloitte Tohmatsu Tax Co., Shizuoka Office Oct 2011 Head, Deloitte Tohmatsu Tax Co., Sapporo Office Jul 2013 Tohmatsu & Co., Sapporo Office (Deloitte Touche Tohmatsu LLC) Oct 2022 Opened Shoko Aoyama Certified Public Accountant Office (current) Jun 2026 Director, Audit and Supervisory Committee Member, the Bank (current)
1976-11-17
Large Shareholding Reports
Nippon Life Insurance Company
2025-12-08
7.76%→8.19%
Annual report (as of 2026-03-31): 8.24%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-05
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-15
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-10
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-12-08
Large Shareholding Report
EDINET
2025-11-14
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-05
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-19
Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINETAmended
2025-06-17
Amended Annual Securities Report
Period: Apr 2023 – Mar 2024
TDnet
2025-02-10
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-15
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-05
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-26
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINETAmended
2024-06-21
Amended Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2024-02-09
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-16
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-27
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-09
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-16
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
EDINET
2022-06-28
Annual Securities Report
EDINET
2022-02-09
Quarterly Securities Report
EDINETAmended
2021-11-29
Amended Annual Securities Report
EDINETAmended
2021-11-29
Amended Annual Securities Report
EDINET
2021-11-12
Quarterly Securities Report
EDINET
2021-08-12
Quarterly Securities Report
EDINET
2021-06-25
Annual Securities Report
EDINET
2021-02-09
Quarterly Securities Report
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