DOCSLIB.ORG

The Hokuriku Bank, Ltd

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
The Hokuriku Bank, Ltd Case study The Hokuriku Bank, Ltd. Case study The Hokuriku Bank, Ltd. »Although we moved 10 years ago to store data on shared servers rather than PCs, there was still much room for improved efficiency and enhanced security. We were determined to streamline operations in all branches and to help the environment.« Mr. Y, Director, Administration Department, The Hokuriku Bank, Ltd. The customer Hokuriku Bank offers a broad range of banking and other financial services and operates an extensive network of 188 branches and agencies. The Hokuriku region is on the west coast of Japan’s main island of Honshu and the thriving city of Toyama lies between the sea and the spectacular Tateyama mountain range. Hokuriku Bank feels a deep responsibility to further promote the many local initiatives aimed at protecting this unique environment. The bank has already installed solar power-generation panels on the roof if its head office, switched to hybrid vehicles in its sales fleet and has replaced the lighting in all branches with efficient LED globes. However, management knew that there was an opportunity to make an even bigger impact in energy conservation with an ICT system overhaul. The customer Country: Japan The challenge Industry: Financial Services Following internal reviews, Hokuriku Bank discovered that the Founded: 1943 computing power of its servers and PCs was not appropriately Employees: 2,791 (at end Sept. 2010) distributed among the branches. Some had considerable surplus Website: http://www.hokugin.co.jp/ capacity while others struggled during times of peak load. The bank was also conscious of growing electricity use and the need to cut The challenge energy consumption wherever possible. A new energy conservation law As one of Japan’s leading regional banks, and a key player in the in Japan mandated annual reductions in energy usage of 1%, with a local community, Hokuriku Bank faced multiple challenges when 5% reduction over 5 years. As a responsible corporate citizen and a replacing its aging internal ICT systems. There was a need for better leader in the local community, Hokuriku Bank wanted to make a much management of computing resources, the replacement of hardware larger contribution than this minimal target. It also wanted to help and a significant upgrade of applications used by staff. Among the boost regional development by implementing new internal systems major aims of the system overhaul were boosting efficiency, and improving efficiency for staff and customers alike. trimming costs and enhancing customer service levels.The bank also wanted to make a positive contribution to the environment. The solution The solution that Fujitsu implemented for the bank involved the The solution removal of individual servers from all branches. This saved a massive Fujitsu’s solution for Hokuriku Bank replaced the many servers amount of energy, space and inefficient maintenance effort. PRIMERGY located in each branch with centralized blade servers and storage blade servers and ETERNUS storage systems were installed in a secure systems housed in an efficient data center. Virtual PC environments data center and managed centrally. Staff and managers in the various are now created centrally and made available to the branch staff offices and branches now use their PCs and laptops to access and save who require them. These employees have a range of enhanced the required information via their virtual PC environments – which are applications to choose from and can easily access the data required also managed centrally. At the same time, the outdated applications for their specific job. Security has also been strengthened thanks to used by the bank were replaced with the latest versions of more authentication via a unified ID management server. efficient office tools, thereby enhancing productivity. Page 1 of 2 www.fujitsu.com/global/casestudies/ Case study The Hokuriku Bank, Ltd. The benefit Products and services ■ Annual CO2 emissions were cut by 119 tons, or 40%, thanks to a ■ PRIMERGY BX620 Blade Servers range of factors involved in the streamlined ICT system now in ■ ETERNUS Storage Systems place throughout the bank. ■ Fujitsu Green ICT desktop and laptop computers ■ Data backups are handled online using the storage system rather ■ VMware View Client than locally using Magneto-Optical (MO) disks, thereby saving ■ Pmaid ID Master (system authentication solution) materials, time and the cost of transporting materials. ■ Staff in the branches and sales offices have efficient new applications to use as well as desktop equipment chosen from Fujitsu’s environmentally friendly Green ICT range. The benefit Conclusion Hokuriku Bank was able to demonstrate an enormous 40% reduction By building a solution that spanned the bank’s entire scope of in its annual CO2 emissions, which is encouraging from both a financial operations, Fujitsu was able to maximize the effectiveness in many viewpoint and an environmentally responsible stance. The majority of ways. Eliminating such an enormous number of physical servers from this saving is derived from a much smaller space requirement for ICT all the branches freed up much wasted space, greatly cut power equipment, with all servers now consolidated efficiently in the data consumption and saved a lot of inefficient maintenance work. Just as center. There were also sizeable contributions from reduced office importantly, business operations could run more smoothly because space requirements and a decline in energy consumption by the ICT there were no longer crippling load imbalances across the various and networking equipment. servers in the bank’s network. Centralizing the infrastructure and systems administration tasks in a professionally managed data centre One relatively minor benefit with far-reaching implications is the way generated significant operational benefits and environmental that data backups are now handled in the branches and offices. Direct improvements. backups to the ETERNUS storage systems via the network have the following advantages compared with MO disk media: “Our main aims were obviously to enhance efficiency and reduce costs. ■ No need to purchase and consume the MO disks However, we could not miss this excellent opportunity to significantly ■ No need to transport the MO disks initially and again later to a data trim our environmental burden. While implementing a seamless center or off-site archive internal system throughout the bank, we achieved tremendous results ■ Reduction in office space required to conduct backups as well as less in the area of sustainability.” equipment installation and media storage space Mr. W, Manager, Design and Build Team, Business Operations Dept. ■ Lower power consumption due to more efficient equipment. Following Japan’s devastating triple disaster in March 2011 Staff productivity and job satisfaction rose after the introduction of the (earthquake, tsunami, nuclear meltdown), all organizations have a new suite of applications at the bank. Workers in all branches and clear and heightened social responsibility to reduce their power offices can now access a standardized set of tools for tasks such as consumption wherever and whenever possible. Hokuriku Bank will word processing, spreadsheets, email, information sharing and continue to find ways to improve its systems, thereby making publishing. Virtual PC environments – containing all necessary operations more efficient and environmentally sustainable. operating system files and application paths – are managed centrally and distributed to each employee’s computer remotely, thereby saving time and money. Furthermore, Fujitsu’s renowned range of Green ICT equipment contributes to environmentally sustainable operations at all stages of the product lifecycle. Contact © Copyright 2012 Fujitsu Limited, Fujitsu and the Fujitsu logo are trademarks or Fujitsu Limited registered trademarks of Fujitsu Limited in Japan and other countries. Other company, Global Marketing Unit product and service names may be trademarks or registered trademarks of their Address: Shiodome City Center, respective owners. Technical data subject to modification and delivery subject to 5-2, Higashi-Shimbashi 1-Chome, Minato-ku, Tokyo availability. Any liability that the data and illustrations are complete, actual or correct 105-7123, Japan is excluded. Designations may be trademarks and/or copyrights of the respective Website: www.fujitsu.com manufacturer, the use of which by third parties for their own purposes may infringe 2012-2-3WW-EN the rights of such owner. Page 2 of 2 www.fujitsu.com/global/casestudies/.
Load more

Recommended publications
  • Banking Corporation Tax (BCT)
    CITY OF NEW YORK DEPARTMENT OF FINANCE 1998 - BANKING CORPORATIONS STOCK ALLOCATION BELOW 100 PERCENT REPORT Abacus Federal Saving Bk 98.02 Bank of Yokohama Ltd 1.86 Allied Irish Banks Plc 2.64 Bank Audi (U.S.A.)& Subs 87.1 Apple Bank for Savings 49.83 Bank Austria Amer Inc. C/Affi 63.21 Arab American Bank 75.68 Bank Austria AG/Z-Landerbank BK 3.93 Arab Bank Plc NYB 5.42 Bank Brussels Lambert 9.54 Arab Bk Corp 17.56 Bank Bumiputra Malaysia Berhad 3.45 Asahi Bank Ltd 3.41 Bank Julius Baer & Co Ltd. 8.59 Ashikaga The 1.49 Bank Leumi Le Israel 9.71 Aslk-Cger Bank N.V. 0.23 Bank Leumi Le Israel Corp & Subs 94.15 Astoria Financial Corporation 20.18 Bank Polska Kasa Opieki S.A. 3.02 Atlantic Bank of NY & Sub 98.45 Bank Saderat Iran 0.1 Aubrey G. Lanston 85.2 Bankamerica Corp & Sub 1.3 Banbogota Inc. and Subs 94.62 Bankers Trust NY Corp 37.27 Banca Commerciale Ital 2.76 BanQue Paribas 0.78 Banca Della Svizzare Ita 3.79 Bayerische Hypotheker 2.16 Banca Monte Dei Paschi Di Sienna 2.37 Bayerische Landesbank 10.27 Banca Nazionale Del Lavoro 2.34 Bayerische Vereisbank AG 3.4 Banca Popolare Di Milano 3.98 Berliner Handels-UND 19.1 Banco de Chile 1.17 Bessemer Group Inc. & Subs 15.32 Banco Atlantico S.A. 5.78 Boston Safe Deposit & Trust Co 3.24 Banco Bandeirates S.A. 0.06 Brooklyn Bancorp.
    [Show full text]
  • Besta Besta: Banking
    What is BeSTA? BeSTA is a standard banking application developed by NTT DATA. NTT DATA will meet a wide variety of needs from financial institutions in Japan through the utilization of BeSTA, which is developing each day. BeSTA: Banking application engine for STandard Architecture Vendor free Maintain competition Neutral application for unspecified hardware vendors principles Because of its high degree of flexibility, systems of other companies can Reduce procurement BeSTA be connected. cost Multiple banks Reduce development Multiple banks can use a single piece of software. cost Plenty of functions that respond to a large number of user requirements Shrink maintenance have already been installed. cost Advanced functions Save development Flexibility: Operational functions can be set and changed flexibly by setting efforts parameters. Enable efficient Expandability: The AP structure formed by the components allows the expansion system to be easily expanded in the future. No need for reconstructuring Promising future: Continuing updates by NTT DATA ensures long- term utilization. Copyright © 2017 NTT DATA Corporation 1 Expanding BeSTA network More than 50 banks are currently using or planning to use BeSTA, the core banking software developed by NTT DATA, and the network is the largest of its kind in Japan. Regional Bank Integrated ＳＴＥＬＬＡ ＣＵＢＥ Service Center (15 banks) (9 banks) Aomori Bank Senshu Ikeda Bank Tohoku Bank Kanagawa Bank AKITA BANK TOTTORI BANK Tokyo Tomin Bank Nagano Bank Bank of Iwate San-in Godo Bank TOYAMA BANK Sendai Bank Ashikaga Bank Shikoku Bank Tajima Bank Kirayaka Bank Chiba Kogyo Bank Oita Bank FUKUHO BANK NISHI-NIPPON Hokuetsu Bank CITY BANK Fukui Bank Aichi Bank ＭＥＪＡＲ (5 banks) Bank of Kyoto Hokkaido Bank HOKURIKU BANK Bank of Yokohama 77 Bank ＢｅＳＴＡｃｌｏｕｄ (10 banks) Higashi-Nippon Bank FIDEA Holdings Hokuto Bank SHONAI BANK NEXTBASE (13 banks) Aozora Bank * BeSTA package provided from Hitachi, Ltd.
    [Show full text]
  • Regional Banks in Japan 2008
    Regional Banks in Japan 2008 We, the 64 regional banks in Japan, have for a long time enjoyed the patronage of the people of our regions as banks that move in step with the community. Hokkaido The Hokkaido Bank The regional banks as financial institutions that have the trust of their customers, will continue to contribute to the activation of regional societies through meeting various financial needs in the regions, by enhancing financial functions such as relationship- based banking. Aomori The Aomori Bank THE MICHINOKU BANK Akita Iwate THE AKITA BANK The Bank of Iwate The Hokuto Bank THE TOHOKU BANK Yamagata THE SHONAI BANK The Yamagata Bank Miyagi The 77 Bank Niigata The Daishi Bank Fukushima The Hokuetsu Bank The Toho Bank Ishikawa Toyama The Hokkoku Bank The Hokuriku Bank THE TOYAMA BANK Tochigi Gunma The Ashikaga Bank Tottori Fukui Nagano The Gunma Bank Ibaraki The Hachijuni Bank The Joyo Bank Shimane THE TOTTORI BANK The Fukui Bank Gifu The San-in Godo Bank Kyoto Saitama The Kanto Tsukuba Bank The Ogaki Kyoritsu Bank The Musashino Bank Hyogo The Bank of Kyoto The Juroku Bank Okayama The Tajima Bank Tokyo Shiga Hiroshima The Chugoku Bank The Tokyo Tomin Bank Fukuoka Yamaguchi The Hiroshima Bank Osaka THE SHIGA BANK Chiba THE BANK OF FUKUOKA The Yamaguchi Bank The Kinki Osaka Bank Aichi The Chikuho Bank The Senshu Bank The Chiba Bank THE NISHI-NIPPON CITY BANK Kagawa The Bank of Ikeda The Chiba Kogyo Bank Saga Ehime The Hyakujushi Bank Mie THE BANK OF SAGA Oita The Iyo Bank The Mie Bank Tokushima Nara THE OITA BANK The Hyakugo Bank
    [Show full text]
  • 【Major Bank】都市銀行 【Local Bank】地方銀行 【Second Regional
    【Major bank】都市銀行 Mizuho Bank / Sumitomo Mitsui Banking Corporation / Saitama Resona Bank Mitsubishi UFJ Bank / Resona Bank (5 in total) 【Local bank】地方銀行 Hokkaido Bank / Yamanashi Central Bank /Saningodo Bank Aomori Bank / Hachijuni Bank / Chugoku Bank Michinoku Bank / Hokuriku Bank /Hiroshima Bank Akita Bank / Toyama Bank / Yamaguchi Bank Hokuto Bank / Hokkoku Bank/ Awa Bank Shonai Bank / Fukui Bank/ Hyakujuyon Bank Yamagata Bank / Shizuoka Bank / Iyo Bank Iwate Bank / Suruga Bank/ Shikoku Bank Tohoku Bank / Shimizu Bank / Fukuoka Bank ShichijushichiBank / Ogaki Kyoritsu Bank / Chikuho Bank Toho Bank / Juroku Bank / Saga Bank Gunma Bank Mie Bank Juhachi Bank Ashikaga Bank / Hyakugo Bank / Shinwa Bank Joyo Bank / Shiga Bank Higo Bank Tsukuba Bank Kyoto Bank Oita Bank Musashino Bank / Kansai Mirai Bank / Miyazaki Bank Chiba Bank / IkedaSenshu Bank / Kagoshima Bank Chiba Kogyo Bank / Nanto Bank /Ryukyu Bank Yokohama Bank / Kiyo Bank / Okinawa Bank Daiyon Bank / Tajima Bank / Nishinihon City Bank HuKuetsu Bank / Tottori bank / Kitakyushu Bank (63 in total) 【Second Regional Bank Member Bank】第二地銀協加盟銀行 Hokuyo Bank Daiko Bank Shimane Bank Kirayaka Bank Nagano Bank Tomato Bank Kitanihon Bank Toyama Daiichi Bank Momiji Bank Sendai Bank Shizuokachuo Bank Saikyo Bank Fukushima Bank Aichi Bank Tokushima Bank Daito Bank Nagoya Bank Kagawa Bank Towa Bank Chukyo Bank Ehime Bank Tochigi Bank Daisan Bank Kochi Bank Tokyo Star Bank Taisho Bank Kumamoto Bank Kanagawa Bank Minato Bank (29 in total) 【Trust bank-Shintaku Ginko】信託銀行 Mitsubishi UFJ Trust Bank
    [Show full text]
  • Hokuhoku Tokai Tokyo Securities Co., Ltd.”
    Press Release 6-2, NIHONBASHI 3-CHOME, CHUO-KU, TOKYO 103-0027 JAPAN (Securities Code 8616) January 4, 2017 Re: The notice of the business commencement of “Hokuhoku Tokai Tokyo Securities Co., Ltd.” As per the notice dated October 21, 2016, Hokuhoku Tokai Tokyo Securities Co., Ltd. (“Hokuhoku TT Securities”) starts its operation today on January 4, 2017. Hokuhoku TT Securities was founded in the form of joint investment by the Company and Hokuhoku Financial Group, Inc. (the “Hokuhoku FG”) of which Representative Director is Mr. Eishin Ihori. The new company, Hokuhoku TT Securities, is led by Mr. Takashi Nakano, President and Representative Hokuhoku TT Securities is the first joint venture entity in Hokuriku-Hokkaido region that the Company operates together with regional bank and it starts providing its service today by taking over a part of the business operation of our wholly-owned subsidiary, Tokai Tokyo Securities Co., Ltd., and the operation to be transferred include those of Toyama, Sapporo and Kanazawa Branches. Hokuhoku TT Securities will deploy in its home market of Hokuriku-Hokkaido a new business model made possible by combining the essence of banking and stock brokerage businesses, and it offers diverse and highly specialized services that meet exactly the wide spectrum of customer needs, with an aim to become the number one securities firm based in the home market in terms of the customer confidence. The Company as a group will assist Hokuhoku TT Securities with the business development process by providing resources that are essential to run securities company such as products and services, operational functions, information and personnel training.
    [Show full text]
  • COMPANY PROFILE 2020（English）
    COMPANY PROFILE www.nachi.com Catalog produced in October 2020 No.1100E-11 2020 Message from the representatives Contents Leading in manufacturing innovations through Message from the representatives 1 technologies at the highest global standards, with its core business in robotics Corporate Philosophy 2 Corporate Mission Outline The Nachi-Fujikoshi Group's slogan, "Challenging growth in business Genealogy of Business Operations 4 to fulfill aspirations as a manufacturing company," embodies our long-term vision. We contribute to the expansion in the world of manufacturing by capitalizing on our abilities. As a comprehensive Contributing to the Process 6 machinery manufacturer, we have the multifaceted operations and of Manufacturing technologies to provide various solutions to customers in fields such as automotive, industrial machinery, energy, and infrastructure. Multifaceted Automobiles 8 Solutions We formulate our medium-term slogan, "Leading in manufacturing innovations through technologies at the highest global standards, Energy 10 with its core business in robotics”, in expectation of long-term shifts in Infrastructure market demand. We reinforce constitution of sales, service, production, procurement and development. Industrial Machines 11 Electrics Electronics In the future, we aim to achieve both strong corporate growth and to provide value to our stakeholders including not only our shareholders Plants and Offices in Japan 12 and customers, but also our business partners, employees, and the local societies where we conduct our
    [Show full text]
  • About the 77 Bank, Ltd. Trust and Growth by Overcoming Many Difficulties While Pursuing Sound Management
    Since its foundation in 1878, based on our management philosophy of dedication to serve The Trajectory of the local community for the prosperity of the local community, throughout the four generations of Meiji, Taisho, Showa, and Heisei, The 77 Bank, Ltd. has developed steadily About The 77 Bank, Ltd. Trust and Growth by overcoming many difficulties while pursuing sound management. In this generation of Reiwa, we will continue to walk together with the region. 2017.4 1878.12 1972.10 1999.3 Started business of 77 Securities Co., Ltd. Started operations as Shares listed Abolished the New York Branch and The 77th National Bank (Second Section of the London Representative Office 2017.6 Tokyo Stock Exchange Transitioned to a Company with an and the Sapporo Securities Audit & Supervisory Committee Exchange) 1985.10 1999.8 2018.4 1974.11 Opened the London Merged The 77 Card Co., Ltd. and Start of the Medium-term Management Plan Established 77 Representative Office “For The Customer & For The Future” Head Office at the time of our foundation 77 Credit Services Co., Ltd., with The 77th Card Co., Ltd. in 1878 (former Hinoya site) Lease Co., Ltd. as the surviving company —Best Consulting Bank Project— Current Head Office 1893.5 1932.1 1990.11 1977.9 Upgrade the New York Established Miyagi Savings The current The 77 Bank, Ltd. was established through Head Office relocated Representative Office Bank the merger of The 77 Bank, 2018.7 to a new building at to the New York Branch （Renamed Gojo Bank in Tohoku Jitsugyo Bank, and Gojo Bank Established 77 Research and Sendai Chuo 3-chome 1921） Consulting Co., Ltd.
    [Show full text]
  • Banking Corporation Allocation Report
    Banking Corporation Allocation Percentage Report Apple Bank for Savings 56.30 Arab Bank Plc NYB 5.16 Arab Bk Corp 17.56 Asahi Bank Ltd 3.13 Ashikaga The 2.37 Aslk-Cger Bank, N. V. 0.23 Astoria Financial Corporation 20.86 Atlantic Bank of NY & Sub 99.80 Aubrey G. Lanston 84.29 Banbogota, Inc. and Subs 95.21 Banca Commerciale Ital 2.29 Banca Della Svizzare Ita 4.43 Banca Monte Dei Paschi Di Sienna 1.28 Banca Nazionale Del Lavoro 2.27 Banca Nazionale Dell Agric 1.87 Banca Popolare Di Milano 3.70 Banca Serfin, SA 0.14 Banco Atlantico, S.A. 4.50 Banco Bandeirates, S.A. 0.06 Banco Bilbao Vizcaya 1.93 Banco Bradesco, S.A. 0.45 Banco Central Hispano USA 72.41 Banco Consolidado C.A. 1.55 Banco De Bogota NYA 0.89 Banco De Chile 2.79 Banco De Credito Del Peru 0.41 Banco De Credito Nacional, SA 0.36 Banco De Galicia Y BA 0.38 Banco De La Nacion Argentina 2.29 Banco De La Provincia De B.A. 0.89 Banco De Venezuela Inter'l 9.75 Banco Di Napoli 4.35 Banco Do Brasil, SA 0.64 Banco Do Est 0.01 Banco Economics SA 0.05 Banco Espirito Santo E Comm 3.06 Banco Industrial De Venezuela 1.15 Banco Itau S.A. 0.13 Banco Mercantil 0.01 Banco Mercantil De Sao Paulo SA 0.19 Banco Nacional De Mexico, SA 1.48 Banco Nacional, S. A. 0.11 Banco Portugues Do Atlantico 1.83 Banco Real SA Contr Dep 1.12 Banco Rio De La Plata SA 2.17 Banco Santander International 3.59 Banco Totta & Acores 1.92 BancoDeLaRepublicaOrieDel Agency 3.63 Bangkok Bank Ltd 0.15 Bangkok Metro BK, Ltd.
    [Show full text]
  • Press Release
    Press Release 6-2, NIHONBASHI 3-CHOME, CHUO-KU, TOKYO 103-0027 JAPAN March 22, 2016 Re: The Review underway on the Plan to Establish a Securities Company under Joint Investment with Hokuhoku Financial Group, Inc. We, Tokai Tokyo Financial Group, Inc. (hereinafter “the Company”), are pleased to announce that we agreed basically with Hokuhoku Financial Group, Inc. (headed by Mr. Eishin Ihori, President, and referred to as “Hokuhoku FG” hereinafter) to establish a securities company in the form of joint investment. 1. The objective: We set forth “Alliance & Platform for Expanding Business Foundation” as one of the five basic strategies that supports our management plan, “Ambitious 5” and we are actually engaged in the efforts of business foundation expansion by establishing JV companies with newly identified alliance partners on the basis of our experience and expertise we have gained over the years from the “Platform” operation. The “Platform” provides all-inclusive turnkey operating infrastructure to run securities brokerage business for regional banks and small-to-midsized securities companies. Hokuhoku FG, on the other hand, keeps striving after the goal of raising its corporate value while undertaking the mission to activate regional economy where they operate. The Hokuhoku FG was created by the integration of the two banks, Hokuriku Bank and Hokkaido Bank in September 2004. They run business in Hokuriku (a geographic area facing central to northern part of Japan Sea, comprised of 4 prefectures, including Toyama, Ishikawa, Fukui and Niigata) and Hokkaido areas as their primary territory embracing the motto, “To be the financial group with wide regional coverage that people and communities can count on”.
    [Show full text]
  • [ Asset Securitization Products ] JCR Assigned J-1+ to Hokuriku Bank A
    21-S-0025 May 31, 2021 Japan Credit Rating Agency, Ltd. (JCR) announces the following credit rating. <Asset Securitization Products> Hokuriku Bank A Corporation Bills & Electronically Recorded Receivables ABL 21-05 <Assignment> ABL: J-1+ Rationale A Corporation securitizes its bills and electronically recorded receivables from the customers. There are no concerns about capabilities of parties to the structure to carry out their administrative duties and their continuity. Risk with respect to principal repayment has been reduced to a level consistent with J- 1+ rating through senior-subordinated structure and legal measures. Riho Saiki, Yusuke Koguchi Rating <Assignment> Instrument Name: Hokuriku Bank A Corporation Bills & Electronically Recorded Receivables ABL 21-05 ABL Execution Amount: JPY 3,206,637,587 Subordination Ratio: 14.99% Final Maturity Date: September 3, 2021 Coupon Type: Fixed Rating: J-1+ <Information on Outline of Issue> ABL Execution Date: May 31, 2021 Repayment Method: Scheduled Repayment Credit Enhancement & Liquidity Facility: Senior-subordinated structure Subordination Ratio: 14.99% (Subordination Amount / Balance of Receivables) Disclosure Requirements for Securitization Transaction Ratings with respect to Basel II have been met. <Information on Structure and Stakeholders> Originator: A metal product manufacturer in Toyama Prefecture (large scale) ABL Borrower: Neo-frontier Funding Corporation (Toyama Branch) Arranger: The Hokuriku Bank, Ltd. <Information on Underlying Assets> Outline of Underlying Assets: Yen-denominated bills and electronically recorded receivables accepted by the Originator for the settlement of its valid domestic commercial transactions. Rating Assignment Date: May 31, 2021 The assumptions for the credit ratings and the definitions of the rating symbols are published as "Types of Credit Ratings and Definitions of Rating Symbols" (January 6, 2014) in Information about JCR Ratings on JCR's website (https://www.jcr.co.jp/en/).
    [Show full text]
  • Hokkoku Bank / 8363
    Hokkoku Bank / 8363 COVERAGE INITIATED ON: 2020.09.29 LAST UPDATE: 2020.09.29 Shared Research Inc. has produced this report by request from the company discussed in the report. The aim is to provide an “owner’s manual” to investors. We at Shared Research Inc. make every effort to provide an accurate, objective, and neutral analysis. In order to highlight any biases, we clearly attribute our data and findings. We will always present opinions from company management as such. Our views are ours where stated. We do not try to convince or influence, only inform. We appreciate your suggestions and feedback. Write to us at [email protected] or find us on Bloomberg. Research Coverage Report by Shared Research Inc. Hokkoku Bank / 8363 RCoverage LAST UPDATE: 2020.09.29 Research Coverage Report by Shared Research Inc. | https://sharedresearch.jp INDEX How to read a Shared Research report: This report begins with the trends and outlook section, which discusses the company’s most recent earnings. First-time readers should start at the business section later in the report. Executive summary ----------------------------------------------------------------------------------------------------------------------------------- 3 Key financial data ------------------------------------------------------------------------------------------------------------------------------------- 5 Banking business earnings structure and glossary ------------------------------------------------------------------------------------------ 6 Recent updates ----------------------------------------------------------------------------------------------------------------------------------------
    [Show full text]
  • Applying Financial Expertise to Design the Future Development Bank of Japan
    Annual Report & CSR Report http://www.dbj.jp/en Development Bank of Japan Inc. 9-1, Otemachi 1-chome, Chiyoda-ku, Tokyo 100-0004, Japan Applying Financial Expertise to Design the Future Development Bank of Japan Annual Report & CSR Report Printed in Japan This report is printed on paper certified by the Forest Stewardship Council (FSC) as being made from sustainably managed forests. The report is printed with soy ink using a waterless printing method. All the electricity used in printing this report was supplied by green resources (wind power). Profile (As of September 1, 2009) Established: October 1, 2008 (The Japan Development Bank (1951) and the Hokkaido-Tohoku Development Finance Public Corporation (1956) were merged to form the Development Bank of Japan in 1999.) President: Minoru Murofushi Number of employees: 1,064 (as of March 31, 2009) Capital: ¥1,103,232 million (100% owned by the Japanese government) (as of September 24, 2009) Address: 9-1, Otemachi 1-chome, Chiyoda-ku, Tokyo 100-0004, Japan URL: http://www.dbj.jp/en Number of offi ces: Branch offi ces, 10; representative offi ces, 8; overseas representative offi ces, 2; and overseas subsidiary, 1 Total assets: ¥14,017.4 billion (as of March 31, 2009) Loans: ¥12,026.6 billion (as of March 31, 2009) Capital adequacy ratio: 18.70% (as of March 31, 2009) Issuer ratings: Aa2 (Moody’s Investors Service, Inc.), AA– (Standard & Poor’s Corp.), AA (Rating and Investment Information, Inc.), AAA (Japan Credit Rating Agency, Ltd.) Note: Total assets, loans and the capital adequacy ratio are calculated on a non-consolidated basis.
    [Show full text]