Hokkoku Financial Holdings,Inc.
7381・Prime Market・Banks
Business
CCI Group (formerly Hokkoku Financial Holdings) is a holding company established in October 2021 through a sole-share transfer by Hokkoku Bank. Across the group, including 13 consolidated subsidiaries, it operates banking services (deposits, lending, exchange, trust) as its core business, alongside Leasing Business, consumer finance credit guarantees, credit cards, receivables collection management, system development and operation, investment advisory, consulting and administrative outsourcing, and fund management. In October 2025, the company changed its trade name to CCI Group, and is actively expanding into new business areas beyond banking, such as sports and entertainment (establishment of CCI Entabase) and overseas business oversight (establishment of CCI Cross Border). Its main customers are small and medium-sized enterprises, individuals, and local governments in the Hokuriku region, and it is also promoting expansion into the Tokyo metropolitan area and overseas.
Business Model
The bank uses customer deposits (¥4,791,208 million as of end-March 2026) as its main funding source, deploying these funds into loans (¥3,017,344 million) and securities (¥1,883,131 million), with net interest income (¥50,743 million in FY2026 (ending March 2026)) as its primary revenue source. This is supplemented by fee and commission income (¥12,810 million) from consulting, investment advisory, cashless services and other operations, as well as gains/losses related to stocks, etc. (¥61,615 million), including gains on sales of policy-holding stocks. Over the medium term, the bank aims to diversify revenue along two axes: "Banking business revenue" and "New business revenue."
Company Strengths
Building on "BankVision on Azure" (launched in May 2021), a public cloud full banking system developed and operated in-house by Hokkoku Bank, the company has explicitly stated in its medium-term strategy its plan to offer the system to other financial institutions as the next-generation core banking system "BankWill". The company positions its digital/system business as one of the pillars of new business revenue, and its unique strength—unmatched by competing regional banks—lies in its ability to convert system assets cultivated through its Banking business into external sales revenue.
Hokkoku Bank's standalone business loan balance at period-end reached ¥1,558,183 million (+25.2% year on year), while consolidated loan balances rose sharply to ¥3,017,344 million (+16.1% year on year). Loans to local governments and public bodies also expanded, up 28.8% from the previous period-end, underpinned by the bank's long-standing customer relationships and sales network in the Hokuriku region, which serve as the foundation for capturing robust demand. Interest on loans reached ¥35,716 million (+34.9% year on year), directly contributing to earnings.
Fees and commissions income rose to ¥12,810 million (+15.3% year on year), continuing an upward trend. The balance of Hokkoku Omakase Navi (Robo-Advisor) grew to ¥30,123 million (+35.0% from the previous period-end), and personal assets under custody, including investment trusts, also expanded, with consulting and investment advisory income contributing to the boost in fee income. The deepening of asset management services leveraging the bank's long-standing customer base supports the diversification of fee income.
ENVALITH's Perspective
Performance Trend
Ordinary income remained largely flat, moving from ¥84,730 million in FY2022 (ending March 2022) to ¥89,576 million in FY2025 (ending March 2025), but expanded sharply in FY2026 (ending March 2026) to ¥167,102 million, up ¥77,526 million year on year. The main drivers were a surge in other ordinary income, which includes gains on sale of equities (from ¥14,834 million to ¥67,372 million), and, as an external factor, an increase in interest on loans (from ¥26,676 million to ¥35,716 million) reflecting rising interest rates. Profit attributable to owners of parent stood at ¥12,632 million (up 55.5% year on year), the highest level in the past five fiscal years. For FY2027 (ending March 2027), the company forecasts ordinary profit of ¥26,500 million (up 34.1% year on year) and net income of ¥17,000 million (up 34.5%), anticipating continued benefits from the interest rate environment and the effect of loan growth. Comprehensive income swung from ¥-26,959 million in the previous period to ¥39,807 million, and net unrealized gains (losses) on other securities improved from ¥-10,813 million to ¥5,368 million.
Growth Strategy
A two-pronged growth strategy combining expansion of banking business earnings and cultivation of new businesses (consulting, cashless, fund, sports, etc.)
The term-end balance of business loans at Hokkoku Bank on a standalone basis increased significantly to ¥1,558,183 million (up 25.2% from the previous term-end). Loans to local governments and other public entities also expanded to ¥553,038 million (up 28.8%), actively capturing capital expenditure and infrastructure demand in the Hokuriku region. In FY2027 (ending March 2027) as well, an increase in loan interest income is positioned as the main driver of ordinary profit growth.
In FY2026 (ending March 2026), Hokkoku Bank on a standalone basis recorded gains on sale of shares and other securities of ¥64,276 million, executing a large-scale sale of policy-held shares. The proceeds were reinvested in government bonds and other securities (balance of ¥892,185 million), aiming to increase interest income amid rising interest rates and improve capital efficiency. Net unrealized gains (losses) on other securities also improved from -¥11,037 million to ¥5,095 million.
Revenue from new businesses reached ¥13,599 million (up ¥1,593 million year on year). Consulting revenue steadily expanded to ¥2,572 million (up ¥250 million), and Cashless Business revenue to ¥1,627 million (up ¥21 million). The company is expanding its business domains, including the establishment of CCI Enta Base in January 2026, making Honey Bee Sports and Kanazawa Samurize subsidiaries, and the establishment of CCI Cross Border in April 2026 to oversee overseas business operations.
Assets under custody for individuals expanded broadly, with investment trust balances of ¥122,038 million (up 22.8% from the previous term-end), Hokkoku Omakase Navi (Robo-Advisor) balances of ¥30,123 million (up 35.0%), and public bonds of ¥44,853 million (up 57.3%). Fee and commission income on a consolidated basis increased to ¥12,810 million (up 15.3% year on year), reflecting progress in diversifying and stabilizing fee income.
Last updated: July 19, 2026