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The Hokkoku Bank, Ltd,the regional bank is headquartered in Kanazawa (which translates to marsh of gold), a city noted for its production of gold leaf. The bank serves the Ishikawa, Fukui, and Toyama prefectures, which together are known as Hokuriku. It also has offices in Kyoto, Osaka, Nagoya, and Tokyo, as well as overseas operations in Shanghai. In addition to its traditional deposit banking offerings, Hokkoku bank subsidiaries are active in such areas as leasing and credit guarantee.

The Hokuetsu Bank, Ltd.,the regional bank's nearly 90 offices serve the individuals and businesses of the Niigata prefecture, which is rebounding from a flood and earthquake (in 2004) and a record snowfall (in 2005). The bank primarily operates within Niigata, but also has locations in Gunma, Saitama, and Tokyo. In addition to traditional banking services, Hokuetsu Bank and its subsidiaries are active in credit cards, credit guarantee, data processing, leasing, and economic research.

The Hyakugo Bank is a Japanese regional bank offering traditional banking services such as electronic, corporate, and consumer banking, as well as international and securities offerings. Hyakugo Bank serves its products through more than 100 branches and 26 sub-branches and also owns foreign offices in Singapore and Shanghai. Listed subsidiaries include Hyakugo Business Service Company, Hyakugo Staff Service Company, and Hyakugo Property Research Company. The bank goes all the way back to 1878, when it was established as The 105th National Chartered Bank.

The Iyo Bank targets customers concentrated in the four prefectures of Shikoku and the Nishi Seto region of Honshu in Japan. The regional bank offers the typical array of retail products, including deposits, leasing services, trusts and pension products, and mergers and acquisitions support services; it even launched its first securities brokerage business arm in March 2005. Its Corporate Consulting Division helps companies galvanize their operations and capital. Established in 1941, the bank owns and operates branch offices in Hong Kong, Shanghai, and New York.

Established in 1921, the Michinoku Bank is a regional bank offering financial services in the Aamori Prefecture in Japan. With about 120 branches and eight consolidated subsidiaries, Michinoku Bank offers traditional banking products, as well as real estate management and staffing supply services. With its "family bank" business approach, the company targets individual retail customers, as well as small-to-medium-sized businesses. It has key subsidiaries in Hong Kong and Shanghai. Michinoku Bank was also the first Japanese bank to open a subsidiary in Russia when it launched The Michinoku Bank (Moscow) Ltd. in 1999; it is now selling that operation to Mizuho Financial.

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