Hyakugo Bank
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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
An independent regional bank based in Mie Prefecture. Founded in Tsu as the 1878-12-12 105th National Bank, its corporate name derives from its former national-bank number “105” (read “Hyakugo”). As a single bank that has not converted to a holding company, it is listed on TSE PRIME (8368) and serves as the designated financial institution of Mie Prefecture, the prefecture’s largest bank. It maintains the No. 1 position in in-prefecture deposit and loan volume, forming a two-strong structure within the prefecture with san-jusan-fg (Sanjusan Bank). Its base is in northern and central Mie Prefecture (Tsu, Yokkaichi, Matsusaka), with its 3 pillars being Yokkaichi industrial-complex-related lending + Ise Shrine tourism finance + access to the Chukyo economic zone.
1. Company overview
Formal name: The Hyakugo Bank, Ltd. English name: The Hyakugo Bank, Ltd. Securities code: TSE PRIME 8368 Founded: 1878-12-12 (105th National Bank established, Tsu) Conversion to joint-stock company: 1898 (reorganized into Hyakugo Bank, converted to a private bank) Head office: 21-27 Iwata, Tsu City, Mie Prefecture Business type: Single bank (has not converted to a holding company)
Major subsidiaries / affiliates
- Hyakugo Lease (leasing)
- Hyakugo Card (credit)
- Hyakugo Computer Service (systems)
- Hyakugo Business Service (clerical outsourcing)
- Hyakugo Credit Guarantee
- Hyakugo Research Institute (think tank, regional economic research)
- Hyakugo Management Service (real-estate management)
History (excerpt)
| Year/Month | Event |
|---|---|
| 1878-12-12 | 105th National Bank established (Tsu, under the National Bank Ordinance) |
| 1898 | Converted to a joint-stock company, converted to a private bank |
| 1928 | Renamed Hyakugo Bank (to the current corporate name) |
| 1949 | Listed on the Tokyo Stock Exchange |
| 1990 年s〜2000 年s | Expansion of the in-prefecture branch network in Mie / strengthening of expansion into the Nagoya area |
| 2010 年s | Expansion of regional ATM partnerships / convenience-store ATM linkage |
| 2022 | Migration to the TSE PRIME market (market-segment review) |
| 2024 | New medium-term management plan launched |
2. Business segment map
| Segment | Content | Characteristics |
|---|---|---|
| Corporate lending | SMEs within Mie Prefecture / Yokkaichi industrial-complex-related | Largest in-prefecture share |
| Individual deposits | Retail within Mie Prefecture | No. 1 in-prefecture deposit volume |
| Mortgages | Within Mie Prefecture + Chukyo area (Nagoya / Aichi) | Flagship in-prefecture product |
| Tourism finance | Inns / retail related to Ise Shrine, Toba, and Shima tourism | Specialized in tourist-destination finance |
| Industrial finance | Yokkaichi industrial complex (petrochemicals / electric power) | Lending to heavy industry |
| Public funds | Designated financial institution of Mie Prefecture / Tsu City | Monopolistic in-prefecture public-fund position |
| Out-of-area expansion | Nagoya / Osaka / Tokyo branches | Chukyo-area connection is the main axis |
| Agriculture and fisheries finance | Fisheries / pearl farming in Ise Bay and the Kumano Sea | Local-industry finance |
Base / competitive structure
- In-prefecture competition: A two-strong structure with san-jusan-fg (Sanjusan Bank). Sanjusan Bank was formed by the 2018-04 business integration of Mie Bank + Daisan Bank, and with the 2021-05 merger completion, consolidated the former Mie Bank based in Yokkaichi + the former Daisan Bank based in Matsusaka into the in-prefecture No. 2 行
Industry characteristics
A lending portfolio reflecting the characteristics of the Mie Prefecture economy:
- Yokkaichi industrial complex: a large-scale industrial zone of petrochemicals / electric power / oil refining. Handles dealings with related companies such as Mitsubishi Chemical, Cosmo Oil, and Chubu Electric Power
- Ise Shrine tourism: inns / dining / retail in the Ise, Toba, and Shima areas, for tourists making the Ise pilgrimage
- Agriculture and fisheries: pearl farming in Ise Bay (Toba / Shima), Kumano Sea fisheries, Matsusaka beef, Ise tea, nori
- Logistics: Chubu-area logistics via the Port of Nagoya / Port of Yokkaichi, along the Ise Bay Coastal Expressway
- Manufacturing: auto parts (Chukyo-area suppliers), semiconductors (related to the Toshiba Memory / Kioxia Yokkaichi plant)
Strategy of independent management
- As an independent within Mie Prefecture, it has not taken the step of holding-company conversion or business integration with other banks
- Meanwhile, within Mie Prefecture san-jusan-fg is proceeding with restructuring via 2018 integration and 2021 merger, and in neighboring prefectures, the former Tokai-system megabank mufg + the Nagoya-area regional-bank camp are moving actively
Out-of-area strategy
- Nagoya branch: a Chukyo-area base for Mie-origin people / Mie-system companies. A strategic stronghold for access to the Chukyo economic zone
- Osaka / Tokyo branches: windows for companies expanding into Kansai / the metropolitan area
4. Supervision and policy
- Supervisor: Financial Services Agency (FSA) / Tokai Local Finance Bureau
- Regional-bank classification: First-tier regional bank (member of the Regional Banks Association of Japan)
- Recent policy topics:
- 2024〜 BOJ policy-rate normalization → improvement of domestic deposit-loan interest margins
- Late 2020 年s regional-bank restructuring pressure (merger special-measures law / public-fund utilization framework)
- 2025〜 expanding needs for SME hands-on support / business succession / M&A intermediation
- 2025〜 Yokkaichi industrial-complex decarbonization transition / hydrogen and ammonia fuel-conversion lending
- 2025〜 tourism-industry DX (inbound recovery / cashless) response
Related
- san-jusan-fg — the No. 2 regional bank within Mie Prefecture (the counterpart in the in-prefecture two-strong structure)
- mufg — a megabank based on the former Tokai Bank (coexisting in the Nagoya area / Mie area)
- smfg · mizuho-fg — megabanks (coexisting within the prefecture)
- hyakujushi-bank — an independent single regional bank of the same national-bank-number lineage (114 / Kagawa). A similar case of number-derived naming
Sources
- Wikipedia: The Hyakugo Bank, Ltd. (https://ja.wikipedia.org/wiki/百五銀行, 2026-05-19 extraction)
- Hyakugo Bank official corporate site (company overview / history)
- Regional Banks Association of Japan member-bank public information
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