ちゅうぎん FG / Chugoku Bank historical group page
On this page
- Wiki route
- TL;DR
- 1. Company overview
- 2025-03 fiscal-year results (consolidated・ちゅうぎん FG)
- Main subsidiaries / holdings
- Merger history / predecessors
- Key chronology
- 2. Business-segment map
- Operating area
- Competitive relationships
- TSUBASA Alliance (formed 2015-10 , founding member)
- Medium-term management plan “Future Co-Creation Plan Stage III” (2023-04〜2027-03)
- B2C branding
- 4. Regulation / policy
- Representative directors
- Related
- Sources
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
A regional-bank-group page for the eastern Chugoku region, with its head office in Marunouchi, Okayama City, Okayama Prefecture. The current bank-license operating-company boundary has been separated to bank of china, and this page remains as the route for ちゅうぎん FG / historical strategy / Bank of China confusion-control. It was established through the merger of 1930-12-21 Daiichi Godo Bank + Sanyo Bank, with origins tracing back to the 86th National Bank (Takahashi) established in 1878 . In 2022-10-03 it newly established the holding company “ちゅうぎんフィナンシャルグループ” via share transfer, shifting from a sole bank listing (former 8382) to an FG listing (TSE PRIME 5832). 2025-03 fiscal-year consolidated net income was 274 億円 (YoY +28.2%, a record-high level). It is a founding member of the TSUBASA Alliance (Chiba Bank hub・10 行) and one of the 1 core banks of wide-area regional-bank cooperation.
1. Company overview
Legal name (holding company): 株式会社ちゅうぎんフィナンシャルグループ Legal name (bank): 株式会社中国銀行 English name: Chugin Financial Group, Inc. / The Chugoku Bank, Limited Securities code: TSE PRIME 5832 (FG, listed 2022-10-03) / former 8382 (Chugoku Bank, sole, listed on the TSE 1987-12-01〜delisted 2022-10-03 due to holding-company conversion) Established: 1930-12-21 (Chugoku Bank) / 2022-10-03 (holding company ちゅうぎん FG, share transfer) Head office: Marunouchi 1-15-20, Kita-ku, Okayama City, Okayama Prefecture (〒700-8628, the bank head office and the FG headquarters at the same location) Capital (FG): 160 億円 (as of 2022-10-03)
2025-03 fiscal-year results (consolidated・ちゅうぎん FG)
| Item | Amount | YoY |
|---|---|---|
| Consolidated ordinary income | 2,117 億 34 百万円 | +14.6% |
| Consolidated ordinary profit | 383 億 8 百万円 | +22.8% |
| Net income attributable to owners of the parent | 274 億 34 百万円 | +28.2% |
It grew from consolidated net income of 119 億円 at the time President Kato took office (2019-03 fiscal year), to 204 億円 at the time of ちゅうぎん FG’s establishment (2022-03 fiscal year), to 274 億円 in the 2025-03 fiscal year. The net-income KPI of the medium-term plan “Future Co-Creation Plan Stage III” (2023-04〜2027-03) was revised upward from the original 300 億円 target to 400 億円 or more.
Main subsidiaries / holdings
ちゅうぎん FG (holding company, listed 5832)
├── Chugoku Bank (100%) ── group parent body, regional-bank core
│ └── domestic branches 145・overseas 1 (Hong Kong) = 146 店 in total (2021-03 fiscal-year actual) ^[extracted]
├── Chugin Securities (100%) ── group securities, core of bank-securities cooperation
├── Chugin Capital (100%) ── venture investment / fund management
├── Chugin Lease (100%) ── leasing business
├── Chugin Card (100%) ── card business
├── Chugin Guarantee ── credit guarantees
├── CBS (Okayama City) ── system-related
└── Chugin Administration Center ── administrative consolidationMerger history / predecessors
- Former 86th National Bank (established 1878-12-09, Takahashi): one of the origins. Consolidated into Daiichi Godo Bank
- Former Kurashiki Bank and others 6 行: consolidated in 1919 to establish Daiichi Godo Bank
- Former Sakubi Bank + Tsuyama Bank: consolidated in 1924 to establish Sanyo Bank
- Chugoku Bank: born from the merger of Daiichi Godo Bank + Sanyo Bank in 1930-12-21
- ちゅうぎん FG: Chugoku Bank converted to a holding company via sole share transfer in 2022-10-03
Consolidation background: in the trend of regional-bank rationalization and consolidation in the early Showa era (the consolidation of in-prefecture banks heading toward the wartime-consolidation period), Daiichi Godo (the Kurashiki lineage 7 行) + Sanyo Bank (the Tsuyama lineage 2 行) merged on a wide-area basis within Okayama Prefecture. The name “Chugoku Bank” means “a bank of the Chugoku region,” which includes Okayama Prefecture, and is unrelated to the People’s Republic of China’s Bank of China (established 1912 ). Confusion is avoided via the English name and the abbreviation “ちゅうぎん.”
Key chronology
| Year/Month | Event |
|---|---|
| 1878-12-09 | 86th National Bank established (Takahashi) |
| 1919 | Daiichi Godo Bank established (consolidation of Kurashiki Bank and others 6 行) |
| 1924 | Sanyo Bank established (Sakubi Bank + Tsuyama Bank) |
| 1930-12-21 | Chugoku Bank established (merger of Daiichi Godo + Sanyo, head office in Okayama City) |
| 1985-10-01 | Listed on the Osaka / Hiroshima Stock Exchanges |
| 1987-12-01 | Listed on the TSE (former code 8382) |
| 1990-10-01 | Trade name changed to “中国銀行,” CI introduced (old character “國” → new character “国”) |
| 2012-10-01 | Opened the online branch “Hare-no-Kuni Branch” |
| 2015-10 | Participated as a founding member of the TSUBASA Alliance (Chiba Bank hub) |
| 2020-12 | Free ATM tie-up with Hiroshima Bank |
| 2022-09-05 | Lawson Bank instant-account settlement・PayPay / au PAY linkage begins |
| 2022-10-03 | Holding-company conversion (ちゅうぎん FG newly established・listed on TSE PRIME 5832 , Chugoku Bank delisted 8382 ) |
| 2023-04 | Medium-term management plan “Future Co-Creation Plan Stage III” begins (2023-04〜2027-03, a 4 -year plan) |
| 2024〜 | Net-income KPI original 300 億円 target → revised upward to 400 億円 or more |
2. Business-segment map
| Segment | Main entity | Characteristics |
|---|---|---|
| Banking core | Chugoku Bank | Okayama Prefecture base, number of branches 146 (domestic 145 + Hong Kong 1) |
| Securities | Chugin Securities | bank-securities cooperation, expanding contribution to group net income |
| Investment / funds | Chugin Capital | VC investment, equity investment in regional enterprises |
| Leasing | Chugin Lease | equipment leasing・auto leasing |
| Cards | Chugin Card | credit・regional payments |
| Credit guarantee | Chugin Guarantee | mortgage・business-loan guarantees |
| Administration / systems | CBS / Chugin Administration Center | administrative consolidation・system-related |
| Wide-area cooperation | TSUBASA Alliance | 10 wide-area regional-bank cooperation・FinTech / shared administration |
Operating area
- Base: across Okayama Prefecture (Okayama City, Kurashiki City, Tsuyama City, Niimi City, etc.)
- Adjacent prefectures: the Bingo region of Hiroshima Prefecture (Fukuyama, etc.), all of Kagawa Prefecture, western Hyogo Prefecture, Yonago City in Tottori Prefecture
- Out-of-area bases: Tokyo, Osaka, Kobe
- Overseas: Hong Kong (the only overseas base)
Competitive relationships
- Within the prefecture 2 位: Tomato Bank (a second regional bank from the former Sanyo Sogo Bank lineage, head office in Okayama City)
- Western Chugoku region: hirogin-hd (Hiroshima Bank), yamaguchi-fg (the Yamaguchi Bank / Momiji Bank / Kitakyushu Bank 3 行 structure)
- San’in: san-in-godo-bank (San-in Godo Bank, Yonago / Matsue base)
- Shikoku side: Hyakujushi Bank (Takamatsu, Kagawa Prefecture), Iyo Bank (iyogin-hd, a TSUBASA alliance member, so Kagawa is overlapping competition / cooperation)
TSUBASA Alliance (formed 2015-10 , founding member)
- Participants 10 行: Chiba Bank (hub) / Daishi Hokuetsu / Chugoku Bank / Iyo Bank / Toho Bank / Hokuyo Bank / Musashino Bank / Shiga Bank / Ryukyu Bank / Gunma Bank
- Cooperation areas: a FinTech common platform (TSUBASA FinTech Platform), a shared-administration-center concept, inheritance-related, international business, mutual commitment-line establishment, portfolio / carbon analysis
- The “TSUBASA FinTech Common Platform” is, as the foundation for embedded-finance services, also a utilization policy under the medium-term plan “Stage III”
- A representative model among sole regional-bank FGs that avoids merger pressure and takes scale advantages through wide-area cooperation — a “cooperate without merging” path
Medium-term management plan “Future Co-Creation Plan Stage III” (2023-04〜2027-03)
- Positioning: the first full-scale 4 -year plan after the holding-company conversion
- KPI: consolidated net income, original 300 億円 target → revised upward to 400 億円 or more (during 2024 )
- Strategic concept: “shift from banking business to a comprehensive service business centered on finance,” “more than doubling net income”
- Basic policy: 3 growth strategies (details in IR materials) + a virtuous-cycle business model with the regional community / customers
B2C branding
- Foregrounds the abbreviation “ちゅうぎん,” consistently seeking to avoid confusion with Bank of China
- A community-rooted brand linked with “Hare-no-Kuni Okayama” (Okayama Prefecture’s tourism catchphrase) — also adopted in the online branch name
- With the holding-company conversion, “ちゅうぎん” was formally adopted as the FG name (hiragana, emphasizing approachability)
4. Regulation / policy
- Supervision: Financial Services Agency (FSA) / Chugoku Local Finance Bureau
- Regional-bank regulation: Banking Act
- Recent policy points:
- 2024〜 BoJ policy-rate normalization → lending-margin improvement bonus for regional banks → a tailwind for the upward revision of the medium-term-plan KPI
- 2022-10〜 holding-company conversion accelerates bank-securities cooperation / group optimization
- 2023〜 the TSUBASA shared-administration-center concept → progress in administrative integration
Representative directors
| Position | Name | Background |
|---|---|---|
| FG President & Chugoku Bank President | Sadanori Kato (born 1957 年) | Graduate of Waseda University Faculty of Political Science and Economics, from Kurashiki City, became Chugoku Bank President in 2019 → became ちゅうぎん FG President in 2022-10 |
| FG Vice President | Ikuhide Harada | Holding-company Vice President |
Related
- mufg · smfg · mizuho-fg · resona-hd
- Chugoku-region regional banks: hirogin-hd · yamaguchi-fg · san-in-godo-bank
- TSUBASA alliance members: iyogin-hd (Iyo Bank) · Chiba Bank · Daishi Hokuetsu · Hokuyo Bank · Musashino Bank · Shiga Bank · Ryukyu Bank · Gunma Bank · Toho Bank
- In-prefecture competition: Tomato Bank (Okayama Prefecture’s second regional bank)
Sources
- Wikipedia: 中国銀行 (日本) (https://ja.wikipedia.org/wiki/中国銀行_(日本), extracted 2026-05-19)
- Wikipedia: ちゅうぎんフィナンシャルグループ (https://ja.wikipedia.org/wiki/ちゅうぎんフィナンシャルグループ, extracted 2026-05-19)
- Wikipedia: TSUBASA アライアンス (https://ja.wikipedia.org/wiki/TSUBASAアライアンス, extracted 2026-05-19)
- ちゅうぎん FG 2025-03 fiscal-year earnings report (released 2025-05-14)
- ちゅうぎん FG medium-term management plan “Future Co-Creation Plan Stage III” (2023-04〜2027-03)
- ちゅうぎん FG IR “Management Plan” page (official・2025-03 fiscal-year integrated report)
[!info] Verification status confidence: likely (v1.0 Wikipedia + official IR + earnings report verified 2026-05-19). The establishment date (1930-12-21) / holding-company-conversion date (2022-10-03) / securities codes (FG: 5832, former bank: 8382) / TSUBASA 10 行 composition / 2025-03 fiscal-year consolidated net income 274 億円, etc., are based on official sources. The upward revision of the medium-term-plan KPI (300 → 400 億円 or more) is based on the IR announcement; the specific disclosure timing should be re-confirmed. The latest values for total assets / capital-adequacy ratio should be confirmed against the FG IR Quarterly.