Shizuoka Financial Group

Basic Information

Stock Code
5831
Industry
Banking
Category Detail
Banks
Prefecture
Shizuoka Prefecture
Establishment Year
October 2022
Listing Year
October 2022
Official Website
https://www.shizuoka-fg.co.jp/
TSE Information
TSE Information
Yahoo! Finance
Yahoo! Finance
Other Companies
IyoGin Holdings, Kyoto Financial Group, Mebuki Financial Group, Concordia, Hirogin Holdings, Chiba Bank, Gunma Bank, Nanatsu Shichi Bank, Fukuoka FG, Hachijuni Bank

Overview

Shizuoka Financial Group is a regional bank financial holding company established in 2022 with Shizuoka Bank as its core, offering community-focused banking services and diversified financial services including securities and leasing.

Current Situation

Shizuoka Financial Group was established in October 2022 and has multiple subsidiaries centered around Shizuoka Bank. The latest financial information is not publicly detailed, but as a regional bank, it focuses on community-based banking operations and also provides securities and leasing services. Aiming to revitalize the local economy, it strengthens lending to regional companies and service collaborations. As a newly established holding company, innovation investments are modest, but it actively engages in environmental conservation activities such as supporting forest carbon credit creation. In the future, it plans to strengthen its management base and diversify revenue through expanded alliances with partner banks. It seeks to balance contributions to the local community and sustainable growth, aiming for stable performance and trust by 2030. Recent initiatives include holding generative AI seminars, emphasizing human resource development.

Trivia

Interesting Facts

  • New regional bank holding company established in 2022
  • Shizuoka Bank is the main subsidiary and core of regional finance
  • Selected as a Nikkei 225 constituent stock
  • Actively involved in regional forest conservation financially
  • Early hosting of generative AI seminars for young business owners
  • Launched three-bank collaboration through business tie-up with Nagoya Bank
  • Capital of 90 billion yen, upper mid-tier among regional bank groups
  • Strict operations as a bank holding company under the Banking Act
  • Owns diverse subsidiaries including leasing, securities, and cards
  • Head office located in Aoi Ward, Shizuoka City

Hidden Connections

  • Deep ties with Monex Group through physical dividend stock acquisition
  • No cross-shareholdings with partner banks at establishment, emphasizing independence
  • Environmental contributions through regional collaboration in Susono City's forest conservation agreement
  • Deep connections with local economy through SME support
  • Deploys securities services centered on Shizuoka TM Securities

Future Outlook

Growth Drivers

  • Deepening of community-focused financial services
  • Revenue diversification through diversified financial subsidiaries
  • Expansion of green finance addressing environmental and social issues
  • Enhanced competitiveness through regional bank alliances
  • Promotion of digital and AI technology utilization
  • Increasing financial needs for SMEs
  • Strengthened response to regional economic revitalization measures
  • Advanced customer services and improved convenience

Strategic Goals

  • Establishment as the top brand for community-rooted financial services
  • Aggressive expansion of green finance-related lending
  • Fostering regional AI talent and digital promotion
  • Strengthening inter-regional bank collaborations and synergy creation
  • Promoting sustainable management and social contributions

Business Segments

SME Financial Support

Overview
Comprehensive financial services centered on SMEs supporting the regional economy.
Competitiveness
Community network and personalized response capabilities
Customers
  • Local SMEs
  • Startup companies
  • Local manufacturing
  • Restaurant operators
  • Wholesalers
  • Service providers
  • Agricultural corporations
  • Construction companies
  • Medical corporations
  • Educational institutions
Products
  • Working capital financing
  • Equipment financing
  • Guaranteed financing
  • Management consulting
  • Cash flow support
  • Corporate cards
  • Leasing contracts
  • M&A advisory
  • Insurance products
  • Credit guarantees

Securities and Investment Services

Overview
Diverse investment services provided through Shizuoka TM Securities.
Competitiveness
One-stop services linked with regional banking
Customers
  • Individual investors
  • SME owners
  • Asset management companies
  • Foundations and public interest corporations
  • Local governments
Products
  • Stock trading
  • Investment trusts
  • Bond sales
  • Asset management services
  • Retirement benefit management
  • Inheritance planning
  • Investment information provision

Leasing and Rental Services

Overview
Leasing services supporting equipment investments across various industries.
Competitiveness
Flexible response through community focus
Customers
  • Manufacturing
  • Construction
  • Retail
  • Transportation
  • Medical institutions
  • Local governments
  • Educational institutions
  • Event planning companies
Products
  • Equipment leasing
  • Vehicle leasing
  • IT equipment rental
  • Equipment investment support
  • Leasing contract management

Credit Guarantee and Asset Management

Overview
Support for reducing credit risk and asset management.
Competitiveness
Credit risk management considering regional characteristics
Customers
  • SMEs
  • Sole proprietors
  • Asset management corporations
  • Local financial institutions
Products
  • Credit guarantee financing
  • Asset management services
  • Receivables management
  • Risk assessment services

Environmental and Community Contribution Finance

Overview
Finance services supporting environmental load reduction and regional development.
Competitiveness
Promotion of environmental investments rooted in the community
Customers
  • Local governments
  • Regional companies
  • NPOs
  • Environmental organizations
Products
  • Green loans
  • Forest conservation funds
  • Renewable energy investments
  • Regional revitalization funds

Competitive Advantage

Strengths

  • Strong community customer network
  • Capability to deploy diversified financial services
  • Active engagement in environmental conservation
  • Stable financial base with 90 billion yen in capital
  • Group synergies from diverse subsidiaries
  • Unique support system linked with local industries
  • Focus on financial technology and human resource development
  • Reliability of Tokyo Stock Exchange Prime listing
  • Management's deep local understanding and extensive experience
  • Brand strength as a regional bank

Competitive Advantages

  • Overwhelming regional recognition and influence in Shizuoka Prefecture
  • Revenue diversification through ownership of diverse financial subsidiaries like securities and leasing
  • Addressing regional environmental issues through green finance promotion
  • Enhanced competitiveness via support for alliances among regional financial institutions
  • High customer service quality and community-focused management
  • Large capital base providing strong financial credibility
  • High morale and flexibility despite being a new group
  • Responsive support system for regional economic challenges
  • PR effects and brand strengthening through community collaborations
  • Active introduction of IT and fintech technologies

Threats

  • Risk of shrinking local customer base due to population decline
  • Pressure on net interest margins from low-interest environment
  • Intensifying competition among regional banks
  • Impact of strengthened financial regulations
  • Increased loan loss risk during economic downturns
  • Risk of customer loss from delays in digitalization
  • Regional economic stagnation due to natural disasters
  • Risk of increasing credit guarantee liabilities
  • Uncertainty in green finance investments
  • Competition with major city banks

Innovations

2023: Advancing Carbon Credit Business through Forest Conservation

Overview
Contributing to creating regional environmental value through forest conservation agreements with Susono City and others.
Impact
Strengthened collaboration with local companies and improved environmental image

2023: Enhancing Human Resource Development through Generative AI Seminars

Overview
Held AI utilization seminars for young business owners to foster digital talent.
Impact
Support for regional companies' DX promotion and management efficiency improvements

2022: Strengthening Business Collaboration through Three-Bank Alliance Launch

Overview
Built cooperative framework with Nagoya Bank and others to enhance case handling capabilities.
Impact
Synergy creation and sales base expansion

Sustainability

  • Conclusion of regional forest conservation agreements
  • Support for carbon credit creation
  • Development of environmentally friendly green loan products
  • Strengthening of community-focused CSR activities
  • Preparation and publication of environmental reports