The Hachijuni Bank, Ltd. (株式会社八十二銀行)

Wiki route

This entry sits under regional-banks INDEX. Read it against Fukuoka FG (FFG) for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

The page for the old standalone bank based in Nagano Prefecture. Founded through the 1931-08-01 merger of the 19th Bank + the 63rd Bank; the bank name derives from 19 + 63 = 82. In 2023-06 it made Nagano Bank a wholly-owned subsidiary, and in the 2026 年 FSA bank-license list the current legal-name entity is listed as Hachijuni Nagano Bank. Henceforth this page serves as the historical / predecessor analysis of the old Hachijuni Bank, while the current operating-company boundary is held by hachijuni-nagano-bank.

1. Company overview

Old legal name: 株式会社八十二銀行 English name: The Hachijuni Bank, Ltd. Securities code: TSE PRIME 8359 Founded: 1931-08-01 (merger of the 19th Bank + the 63rd Bank) Head office: 178-8 Nakagosho-Okada, Nagano City, Nagano Prefecture (head-office building) Current boundary: The bank-license operating company after integration into Hachijuni Nagano Bank has transitioned.

Major subsidiaries / holdings

Hachijuni Bank (old standalone bank, listed 8359)
  ├── Nagano Bank (made a wholly-owned subsidiary 2023-06-01)
  └── hachijuni-nagano-bank ── current operating-company boundary
  ├── Hachijuni Securities ── intra-prefecture retail securities
  ├── Hachijuni Lease ── group finance subsidiary
  ├── Hachijuni Credit Guarantee ── credit guarantee for housing loans, etc.
  ├── Hachijuni Capital ── venture / M&A-related investment
  ├── Hachijuni Business Service / Hachijuni System Development, etc. ── systems / back-office subsidiaries

Merger background / predecessors

• 1877 The 63rd National Bank (under the Meiji-era National Bank Ordinance, established in 第 63 号)
• 1878 The 19th National Bank (same, established in 第 19 号)
• In the prewar period, the 19th Bank and the 63rd Bank coexisted within Nagano Prefecture, both developing as leading regional banks in the prefecture
• 1931-08-01 Hachijuni Bank founded: merger of the 19th Bank + the 63rd Bank; the bank name is named after the sum of the two predecessor banks’ numbers (19 + 63 = 82) — a representative case of naming derived from National Bank numbers
• Long listed as a postwar regional-bank core; 1949 TSE listing
• 2022-04 TSE market-segment review → TSE PRIME 8359 (migration from the old TSE First Section)
• 2023-06-01 Made Nagano Bank a wholly-owned subsidiary via share exchange: brought the prefecture’s second-tier regional bank, Nagano Bank (old Nagano Sogo Bank → 1989 converted to an ordinary bank), under its umbrella
• 2026 bank-license snapshot: In the FSA’s regional-bank list, the current legal name can be confirmed as Hachijuni Nagano Bank.

Key chronology (excerpt)

2. Business segment map

Intra-prefecture base strategy

• Nagano Prefecture = electronics-industry cluster: Within Nagano Prefecture are clustered leading mid-tier manufacturers such as Seiko Epson Corporation (Suwa HQ; printers / watches / semiconductors) and Minebea Mitsumi (an electronic-components major of the old Suwa Seikosha lineage). These main-bank positions are the revenue base
• Tourism lending: Karuizawa (luxury resort), Hakuba (skiing / inbound tourism), Suwa (hot springs / Lake Suwa), Ueda / Saku (history tourism), the area around Zenkoji, etc. — Nagano Prefecture is also a major tourism-industry prefecture, and tourism-hotel / resort lending is an important segment of the regional-bank portfolio
• Its intra-prefecture share is overwhelming, but Nagano Prefecture’s population decline and youth outflow are more pronounced than the national average, which is a medium-to-long-term structural issue. It deploys a business network across all of the prefecture’s 5〜6 zones: Nagano City, Matsumoto City, Suwa, Ueda, Saku, and Hokushin (Iiyama, etc.)

Relationship with intra-prefecture peers: a 3 -way standoff → toward a 1 -strong structure

• Conventional structure: a 3 -way standoff of Hachijuni Bank vs #長野銀行統合 vs the credit-union group (Nagano Shinkin Bank, Matsumoto Shinkin Bank, etc.)
• With the Nagano Bank integration (after the 2023-06 conversion to a wholly-owned subsidiary, transitioning to the current legal-name boundary of Hachijuni Nagano Bank), the 1 -strong structure of “old Hachijuni Bank + old Nagano Bank” was completed → the rivalry with the old second-tier regional bank was resolved
• Demarcation from the credit-union group: Credit unions center on small-and-micro enterprises and personal deposits, so the demarcation is relatively clear; Hachijuni Bank, as a regional bank, has established a main-bank position for mid-tier companies
• Competition with out-of-prefecture majors (megabanks, mufg / smfg / mizuho-fg): A structure in which large loans / global operations of leading intra-prefecture companies flow out to the megabanks; Hachijuni Bank counters with community-rooted services

Strategic significance of being a standalone bank

• The point of not having converted to a holding company contrasts with the standalone-regional-bank FG-conversion trend of Shizuoka FG (2022-10 standalone FG conversion), FFG, etc.
• Merits of a standalone bank: (1) simpler governance, (2) concentration of management resources in the bank main entity, (3) no additional cost of holding-company conversion

Position in regional-bank reorganization

• Maintaining an independent path as Nagano Prefecture’s standalone-regional-bank leader (keeping distance from partnerships with megabanks such as mufg and from the SBI 4 megabank concept)
• Regional-bank cooperation in the Hokushin’etsu region (Nagano, Niigata, Toyama, Ishikawa, Fukui) has formed other axes centered on Hokuhoku FG, Dai-shi Hokuetsu FG, etc., while Hachijuni Bank takes a Nagano-Prefecture-concentration path

4. Regulation / policy

• Supervisor: Financial Services Agency (FSA) + Kanto Local Finance Bureau
• Banking regulation: Banking Act (as a standalone bank, it is outside the scope of bank-holding-company regulation)
• Recent policy issues:
  • 2024〜 BoJ policy-rate normalization → regional-bank margin improvement (the benefit is relatively larger than for megabanks)
  • 2025〜 acceleration of regional-bank reorganization (population decline + digital-investment burden) → the next strategic phase after completing the Nagano Bank absorption
  • The decision of whether to remain a standalone bank or shift to holding-company conversion (FG conversion)
  • Response as main bank to the structural transformation of the prefecture’s electronics industry (Seiko Epson, etc.) (declining printer demand / shift to semiconductors)

Related

• mufg · smfg · mizuho-fg (megabanks 3 行)
• shizuoka-fg · fukuoka-fg · concordia-fg · mebuki-fg (comparison with standalone-regional-bank FG-conversion precedents)
• hokuhoku-fg · dai-shi-hokuetsu-fg (Hokushin’etsu-region regional-bank group)
• minna-bank-baas-model (regional-bank digital-strategy comparison)

Sources

• Wikipedia: Hachijuni Bank (https://ja.wikipedia.org/wiki/八十二銀行, 2026-05-19 extracted)
• Wikipedia: Nagano Bank (https://ja.wikipedia.org/wiki/長野銀行, 2026-05-19 extracted)

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[!info] Verification status confidence: likely (v1.1 public-source correction 2026-05-21). The history (1931-08-01 establishment, 19+63=82 derivation, 2023-06 Nagano Bank subsidiarization) is kept on the old Hachijuni Bank page, while the current legal-name boundary of the 2026 FSA bank-license snapshot was separated into Hachijuni Nagano Bank.