Iyogin HD (Iyogin Holdings)

Wiki route

This entry sits under regional-banks INDEX. Read it against Iyo Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

One of Shikoku’s largest regional bank groups, based in Ehime Prefecture. It became a holding company through a sole share transfer by 2022-10-03 Iyo Bank, and is listed on TSE PRIME 5830 . Its core subsidiary, Iyo Bank, was established in 1878 年 as the “29th National Bank” (Matsuyama) and is one of the oldest banks in Shikoku, holding the No.1 share within Ehime Prefecture. It is characterized by lending to the shipping and shipbuilding cluster centered on Imabari Shipbuilding. Across Shikoku’s 4 prefectures it competes with tomony-hd (Tokushima / Kagawa), Hyakujushi Bank (Kagawa), and Shikoku Bank (Kochi).

1. Company profile

Legal name: Iyogin Holdings, Inc. (株式会社いよぎんホールディングス) English name: Iyogin Holdings, Inc. Securities code: TSE PRIME 5830 (listed 2022-10-03) Established: 2022-10-03 (sole share transfer by Iyo Bank) Head office: 1 Minamihoribata-cho, Matsuyama City, Ehime Prefecture Governance design: Company with an audit and supervisory committee

Main subsidiaries (public information)

Iyogin HD (holding company, listed 5830)
  ├── Iyo Bank, Ltd. (100%) ── [[regional-banks/iyo-bank]] / core subsidiary, No.1
   share in Ehime Prefecture
  ├── Iyogin Lease
  ├── Iyogin Business Service
  ├── Iyogin Computer Service
  ├── Iyogin DC Card
  ├── Iyogin Regional Economy Research Center (IRC)
  └── Iyogin Capital

2. History

Year/Month	Event
1878	29th National Bank (Matsuyama) established — under the National Bank Act, one of the oldest in Shikoku
1895	Reorganized into a private bank → “29th Bank”
1941	Renamed Iyo Bank through wartime consolidation (consolidation of regional banks in Ehime Prefecture)
1949	Listed on the Tokyo Stock Exchange
2022-10-03	Iyogin HD established (sole share transfer, making Iyo Bank a wholly owned subsidiary)
2024~	Medium-term management plan launched

3. Business segment map

Segment	Main operator	Characteristics
Commercial banking	[[regional-banks/iyo-bank	伊予銀行]]
Shipping / shipbuilding finance	[[regional-banks/iyo-bank	伊予銀行]] corporate division
Leasing	Iyogin Lease	Corporate capital-investment finance
Cards	Iyogin DC Card	Retail payments
Think tank	Iyogin Regional Economy Research Center (IRC)	Ehime / Shikoku economic research
Venture	Iyogin Capital	Regional venture investment
Digital	Iyogin Net / Iyogin App	Retail digital banking for individuals

Regional base

Ehime Prefecture base: population approx. 130 万, the largest of Shikoku’s 4 prefectures. Its customer base comprises local industries that form the core of the prefecture’s GDP, such as shipping, shipbuilding, agriculture (citrus), and paper manufacturing (Daio Paper).
Maritime cluster: Imabari City is one of the world’s leading concentrations of shipbuilding and shipping. Lending to the Imabari Shipbuilding Group and others is a distinctive part of Iyo Bank’s portfolio.
Shikoku-wide expansion: It also operates branches outside Ehime Prefecture, in Kagawa, Tokushima, Kochi, Osaka, Tokyo, and Hiroshima.

Digital strategy

Retail digitalization such as “Iyogin Card,” “Iyogin Net,” and “Iyogin App”
API banking for corporations and regional DX support

Competitive map (Shikoku’s 4 prefectures)

Prefecture	Main regional bank	Holding company
Ehime	**[[regional-banks/iyo-bank	伊予銀行]]** / [[regional-banks/ehime-bank
Tokushima	[[regional-banks/awa-bank	阿波銀行]] / [[regional-banks/tokushima-taisho-bank
Kagawa	[[regional-banks/hyakujushi-bank	百十四銀行]] / [[regional-banks/kagawa-bank
Kochi	[[regional-banks/shikoku-bank	四国銀行]] / [[regional-banks/kochi-bank

Shikoku regional-bank realignment is progressing in other prefectures (tomony-hd = Tomony Holdings is an alliance of Kagawa and Tokushima), but Iyo Bank chose an independent path by becoming a standalone HD.

5. Regulation / policy

Supervisor: Financial Services Agency (FSA) / Shikoku Local Finance Bureau
Holding-company regulation: Banking Act Article 52 -17
G-SIB etc.: Not applicable (regional bank)
Recent policy topics:
- 2024~ BOJ policy-rate normalization → bonus to domestic deposit-loan margins
- 2024~ regional-bank realignment / consolidation policy (FSA’s regional financial institution policy)

iyo-bank · ehime-bank · tomony-hd · awa-bank · hyakujushi-bank · shikoku-bank

Sources

Wikipedia: 株式会社いよぎんホールディングス (public information)
Wikipedia: 株式会社伊予銀行 (public information)
Iyogin HD official IR (https://www.iyogin-hd.co.jp/ public)
Iyo Bank official site (https://www.iyobank.co.jp/ public)

[!info] Verification status confidence: likely (based on public Wikipedia + official IR, organized 2026-05-19). Specific financial figures (total assets, net income, number of branches, etc.) should be checked against the latest securities report and integrated report. This note focuses on the framework of structure, strategy, and history; quantitative figures are intentionally omitted.