Shimizu Bank

Basic Information

Stock Code
8364
Industry
Banking
Category Detail
Banks
Prefecture
Shizuoka Prefecture
Establishment Year
July 1928
Listing Year
October 1983
Official Website
https://www.shimizubank.co.jp/
TSE Information
TSE Information
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Other Companies
IyoGin Holdings, Shizuoka Financial Group, Kyoto Financial Group, Mebuki Financial Group, Concordia Financial Group, Hirogin Holdings, Chiba Bank, Gunma Bank, Fukuoka Financial Group, Hachijuni Bank, Toyama Bank, Oita Bank, Tochigi Bank

Overview

Shimizu Bank is a regional bank founded in 1928, with strengths in supporting small and medium-sized enterprises mainly in central Shizuoka Prefecture, as a community-based financial institution.

Current Situation

Shimizu Bank has consolidated net assets of approximately 82.5 billion yen, total assets of approximately 1.5968 trillion yen, and outstanding loans of approximately 1.1567 trillion yen as of 2020. It operates branches across Shizuoka Prefecture as well as in Aichi and Tokyo, expanding its financial market share in central Shizuoka. It promotes relationship banking rooted in the community, focusing on cash flow support for corporate clients and asset management for individuals. It has strengthened its IT infrastructure and renewed its core banking system to the latest version in 2024. It also considers sustainability, promoting regional environmental conservation and social contribution activities. As financial products, it offers unique branded products such as community-based time deposits. Through consolidated subsidiaries, it advances diversification into credit guarantees, card services, leasing, and more. By partnering with SBI Securities, it has strengthened securities brokerage services, enhancing its competitiveness as a regional bank. Going forward, it will focus on SME support and regional revitalization as strategic pillars, working toward growth and stability.

Trivia

Interesting Facts

  • Bank passbook and card illustrations feature heavenly nymphs designed by Ryohhei Yanagihara
  • Expanded central prefecture share by acquiring operations of failed Chubu Bank
  • Sponsor of J.League Shimizu Espuls since its founding
  • Only Shizuoka regional bank without branches in Kanagawa
  • One of the postwar regional banks affiliated with the National Bankers Association
  • Early adopter of ISO9001:2000 certification among regional banks
  • Introduced area-based executive officer system for swift decision-making
  • Completed migration from PROBANK-R2 to STELLA CUBE
  • Actively participates in major local festivals to emphasize community ties
  • Financial institution code 0151, SWIFT code SMZGJPJT
  • Employee stock ownership participation rate ~4.3%, advancing employee ownership
  • Ongoing accounting lectures at Shizuoka University of Welfare
  • Strengthens regional ties through Shimizu Bank Youth Soccer Tournament
  • Regional特色 time deposits popular among financial products
  • Former employee Mitsunobu Kanaboshi enlightens banking industry through manga

Hidden Connections

  • Capital alliance with SBI Regional Bank Holdings strengthens management base
  • Local company Suzuyo is major shareholder with strong regional economic ties
  • Contributes to sports promotion through J.League club Shimizu Espuls
  • Utilizes latest IT technology with NTT Data's STELLA CUBE introduction
  • Early ISO9001 certification among regional banks, enhancing organizational strength
  • Advances financial service diversification through Shimizu Leasing & Card
  • Strong relationships with local governments as designated regional financial institution
  • Contributes to regional talent development through collaborative lectures with Shizuoka University of Welfare

Future Outlook

Growth Drivers

  • Ongoing expansion of SME lending demand
  • Building trust as designated financial institution for local governments
  • Operational efficiency from IT system renewal
  • Financial product diversification via SBI Securities partnership
  • Brand value enhancement through regional collaborations
  • Increasing demand for local revitalization financial services
  • Rising asset management orientation among local customers
  • Development of social issue-responsive financial products
  • Services tailored to aging regional population structure
  • Strengthened ESG対応
  • Regional brand enhancement through sports support
  • Promotion of digital channel utilization

Strategic Goals

  • Increase outstanding loans to 1.3 trillion yen
  • Achieve top 3 local SME share
  • Full rollout of digital banking services
  • ESG financial products sales ratio over 30%
  • Double annual regional contribution participants
  • Efficient branch reorganization and optimization
  • Deepen strategic alliance with SBI Group
  • Support regional economic digital transformation
  • Diverse talent recruitment and employee satisfaction improvement
  • Aim to be the region's top sustainable bank

Business Segments

SME Lending

Overview
Meets diverse funding needs of Shizuoka SMEs to support regional economic revitalization.
Competitiveness
Local knowledge-based screening and flexible lending
Customers
  • SMEs in Shizuoka Prefecture
  • Manufacturing
  • Wholesale
  • Retail
  • Construction
  • Services
  • Food and Beverage
  • Transportation
  • Real Estate
  • IT-Related Companies
Products
  • Working Capital Financing
  • Equipment Investment Financing
  • Policy Finance Utilization Support
  • Credit Guarantee Linked Financing
  • Business Loans
  • Seasonal Working Capital
  • Business Improvement Funds
  • Unsecured Financing
  • Accounts Receivable Collateral Financing
  • Leasing Finance
  • Startup Support Financing
  • Support for Women and Young Entrepreneurs

Corporate Asset Management

Overview
Provides asset management products and trust services for corporate customers to promote stable operations.
Competitiveness
Investment advice and products tailored to regional characteristics
Customers
  • SME Owners
  • Local Governments
  • Public Interest Corporations
  • Medical Corporations
  • School Corporations
  • Agricultural Cooperatives
  • Chambers of Commerce
  • Financial Institutions
  • Asset Management Companies
  • Real Estate Management Companies
Products
  • Time Deposits
  • Investment Trusts
  • Trust Services
  • Corporate Pension Trusts
  • Retirement Benefit Trusts
  • Asset Management Accounts
  • Securities Brokerage Services
  • Asset Management Consulting
  • Real Estate Finance

Regional Financial Infrastructure

Overview
Builds regional financial service infrastructure to improve convenience and contribute to economic revitalization.
Competitiveness
Services deployed with deep knowledge of local circumstances
Customers
  • Local Governments
  • Local Shops
  • Local Financial Institutions
  • Public Facilities
  • Chambers of Commerce
  • Local Business Associations
  • NPOs
  • Resident Organizations
Products
  • Settlement Services
  • ATM Installation
  • Cashless Payments
  • Internet Banking Platform
  • Regional Points Collaboration
  • Financial Education Support
  • Regional Event Support

Credit Guarantee Business

Overview
Promotes SME lending through credit guarantees to support regional economic stability.
Competitiveness
Rapid guarantee screening and flexible guarantee conditions
Customers
  • SMEs
  • Local Entrepreneurs
  • Startup Support Beneficiaries
  • Women Entrepreneurs
  • Venture Companies
  • Manufacturing
  • Retail
Products
  • Guaranteed Financing
  • Guarantee Debt Assumption
  • Guarantee Consulting
  • Credit Guarantee Limit Setting

Card Issuance and Management

Overview
Improves customer convenience and corporate operational efficiency through card services.
Competitiveness
Secure and multifunctional card solutions
Customers
  • Individual Customers
  • Corporate Customers
  • Partner Stores
  • SME Employees
Products
  • Credit Cards
  • IC Cash Cards
  • Employee ID Combo Cards
  • Partner Points Cards

Financial Product Brokerage

Overview
Meets asset formation needs by brokering a wide range of financial products.
Competitiveness
Diverse product offerings through SBI Securities partnership
Customers
  • Individual Investors
  • Corporate Customers
  • Investment Trust Buyers
  • Stock Traders
Products
  • Investment Trusts
  • Stock Trading Brokerage
  • Insurance Products
  • Asset Consulting

IT and Information Systems Provision

Overview
Enhances operational efficiency and customer services with the latest IT systems.
Competitiveness
Advanced IT upgrade from PROBANK-R2 to STELLA CUBE
Customers
  • Internal Operations
  • Other Financial Institution Partnerships
  • Client Companies
  • Customer Users
Products
  • Core Banking System
  • Branch Systems
  • Online Services
  • Security Management

Asset Management Consulting

Overview
Specialized services supporting comprehensive asset management for customers.
Competitiveness
Meticulous, community-based support
Customers
  • High-Net-Worth Individuals
  • SME Owners
  • Local Governments
  • Medical Corporations
Products
  • Asset Management
  • Inheritance Planning
  • Investment Advice
  • Pension Consulting

Regional Financial Education and Training

Overview
Contributes to improving financial literacy and regional revitalization.
Competitiveness
Proven collaboration lectures with Shizuoka University of Welfare
Customers
  • Local Residents
  • Students
  • Local Companies
  • Staff
Products
  • Financial Classrooms
  • Training Programs
  • Regional Events
  • Instructor Dispatch

Environment and Social Contribution Activity Support

Overview
Promotes activities contributing to regional sustainability.
Competitiveness
Deep understanding of community-based social contributions
Customers
  • Local Communities
  • Local Governments
  • Non-Profit Organizations
Products
  • Environmental Conservation Projects
  • Regional Event Support
  • Volunteer Activities
  • Social Contribution Donations

Securities Account Opening and Management Support

Overview
Enhances customer satisfaction through asset management support linked with SBI Securities.
Competitiveness
Convenience enhanced by technology partnerships
Customers
  • Individual Investors
  • Corporate Customers
Products
  • Securities Accounts
  • Trading Support
  • Investment Education

Competitive Advantage

Strengths

  • Overwhelming strength in regional SMEs
  • Long track record of community-based sales
  • Diversified financial services
  • Latest IT infrastructure upgrades
  • Strategic partnership with SBI Securities
  • Support system via numerous consolidated subsidiaries
  • Extensive branch network (78 branches)
  • Management stability and asset soundness
  • Brand power through regional sports support
  • High employee stock ownership participation rate
  • ISO9001 certification for quality management
  • Strong regional events and social contributions
  • Close relationship handling for corporates and individuals
  • Integration of investment trust sales and securities brokerage
  • High trust from business owners

Competitive Advantages

  • Prominent presence with ~7% loan share in central prefecture
  • Customer base expansion via acquisition of failed bank's operations
  • Stability as designated regional financial institution
  • Operational efficiency improved by adopting advanced core system
  • Meets customer needs with diverse products and services
  • Dedicated staff for corporate relations and personal asset management
  • Regional brand enhancement through Shimizu Espuls collaboration
  • Utilization of SBI Group information and resources
  • SME support linking financing and guarantees
  • Block-based sales system deeply cultivating local areas
  • One-stop service system via consolidated subsidiaries
  • Introduction of advanced customer service systems
  • Emphasis on social responsibility in regional environmental conservation
  • Flexible and swift decision-making structure
  • Close ties with local governments and businesses

Threats

  • Prolonged low-interest environment squeezing profits
  • Regional economic fluctuation risks
  • Customer base shrinkage due to population decline
  • Intense competition from other regional banks and financial institutions
  • Increasing entry of digital finance companies
  • Rising credit risk
  • Increased operating costs from stricter regulations
  • Economic impacts from natural disasters
  • Deepening cybersecurity risks
  • Foreign currency deposit impacts from exchange fluctuations
  • Shifting needs due to social structure changes
  • Challenges in talent acquisition and aging workforce

Innovations

2024: Migrated core banking system to STELLA CUBE

Overview
In May 2024, renewed core system from Fujitsu's PROBANK-R2 to the latest STELLA CUBE.
Impact
Successfully improved processing capacity and service stability

2023: Strengthened community-based IT infrastructure

Overview
Significantly renewed branch systems, shortening customer response times and improving convenience.
Impact
Operational efficiency up 30%, customer satisfaction increased

2022: Strengthened partnership with SBI Securities

Overview
Expanded securities brokerage services through Shimizu Leasing & Card to support customer asset management.
Impact
Asset management customers up 10% year-over-year

2021: Promoted regional environmental conservation activities

Overview
Regularly held regional cleanup activities and environmental events, contributing to brand image improvement.
Impact
Strengthened trust with local residents

2020: Launched corporate direct banking service

Overview
Started internet banking services for corporate customers to improve convenience.
Impact
Enabled 24/7 access for corporate customers

Sustainability

  • Regular environmental cleanup activities
  • Active participation and support in local festivals
  • Promotion of energy-saving branches
  • Sponsorship of regional sports teams
  • Internal resource and waste reduction campaigns
  • Ongoing donation activities to local communities
  • Development of sustainable financial products
  • Promotion of employee diversity
  • Strengthened industry-academia collaboration with local universities
  • Enhanced disaster support activities
  • Support for local medical and welfare activities
  • Transparent management and information disclosure