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Message from the President

 We would like to extend our deepest sympathies to everyone who has been affected by COVID-19.

 Economic forecasts are extremely uncertain due to the spread of COVID-19. Now is the time we must demonstrate our leadership role as a regional financial institution more than ever. The Hokkoku Bank will celebrate its 77th anniversary this December. “Trust — a bridge to a fruitful regional future; ¬Enrich interaction and growth in the region¬” is the core pillar of our corporate philosophy. The Hokkoku Bank vouch to work and collaborate with society to enhance and enrich the lifestyle of the people. This is our philosophy and our “brand” that will guide our executives and employees, our decision-making and our engagement with our stakeholders. We will cascade this philosophy and brand to our successors and continue to endeavor for our society.

 We will continue to collaborate , with an open mind, with various parties to progressively adapt and enhance our business model as one of the key regional financial institutions. We will focus on appreciating the changes in society and customers’ needs to create innovation through communication and collaboration.

 In addition to contributing new values to the society and our customers, as a going concern, We will stand united to strive to develop as an institution. We sincerely thank you for your continued understanding and support as we progress forward.

November 2020