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じもとホールディングス (JIMOTO HD)

Confidence: Likely Updated 2026-05-26 Review by 2026-11-15 Sources 8 Machine-translated Original (JA)
#JapanFG#regional-bank#tohoku#second-tier#public-funds
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This entry sits under regional-banks INDEX. Read it with banking index for adjacent context and JapanFG index for the broader system boundary.

TL;DR

A Northern-Tohoku second-tier regional-bank FG based in Yamagata + Miyagi (Kirayaka Bank + Sendai Bank). Established through a 2012-10-01 post-Great-East-Japan-Earthquake business integration. The 2024-06-20 Resolution and Collection Corporation (RCC) acquired voting rights of 63.52%, effectively nationalising it, the repayment deadline of the 2024-09 public funds of 200 億円 was extended by 13 years (2024-09 → 2037-09) with FSA approval, and the 2024-04 top management was wholly overhauled. SBI Holdings (SBI Regional Bank HD) became the largest shareholder via a third-party allotment of 35 億円 in 2020-11 → the ranking was reshuffled by the RCC nationalisation.

1. Company overview

Formal name: Kabushiki Kaisha Jimoto Holdings English name: Jimoto Holdings, Inc. Securities code: TSE Standard (former 2 section) 7161 Established: 2012-10-01 (business integration via share transfer; originally planned for 2011 → postponed by 1 years due to the earthquake) Head office: Sendai Bank Building 9F, 1 -1 号 Ichibancho 2-chome, Aoba-ku, Sendai-shi, Miyagi-ken Business type: Bank holding company (second-tier regional bank FG)

Group structure

じもとホールディングス（持株会社・東証 STD 7161）
  ├── 株式会社きらやか銀行（100%）── 山形県地盤・第二地銀
  │     ├── 本店: 山形市
  │     ├── 店舗数: 約 79 店（2019-03 期）
  │     └── 総資産: 約 1.39 兆円（2019-03 期）
  └── 株式会社仙台銀行（100%）── 宮城県地盤・第二地銀
        ├── 本店: 仙台市青葉区一番町
        ├── 店舗数: 62 店（2015-03 期、全店宮城県内）
        └── 総資産: 約 1.14 兆円（2015-03 期）

Consolidated results (public basis)

ItemFigureSource point
Consolidated total assetsApprox. 2 兆 6,639 億円2021-03 term
Consolidated net profit/loss△31 億 76 百万円 (loss)2021-03 term
Consolidated net profit/loss (revised)△234 億円 (downward revision)2024-03 term

For the 2024-03 term, the full-year forecast was substantially revised downward from “17 億円 profit → 234 億円 loss”. Kirayaka Bank’s non-performing loans and securities losses were announced as the main causes.

Major shareholders (from 2024-06-20)

ShareholderVoting-rights ratio
Resolution and Collection Corporation (RCC)63.52% (acquired voting rights via conversion of preferred shares → common shares)
SBI Regional Bank Holdings(became largest shareholder via the 2020-11 third-party allotment of 35 億円・obtained 2021-03 bank-major-shareholder approval; ranking reshuffled by RCC nationalisation)

Chronology

DateEvent
1914-01-03Yamagata Shokusan Kabushiki Kaisha established (the registered starting point of the present Kirayaka Bank lineage)
1951-07-05Shinko Mujin Kabushiki Kaisha established (predecessor of Sendai Bank)
1952Shinko Mujin → Shinko Sogo Bank renamed
1989Shinko Sogo Bank → Sendai Bank converted to an ordinary bank
1989Shokusan Bank (→ 1992 to Kirayaka Bank) / affiliated credit union → into the Shiawase Bank lineage
2007-05-07Shokusan Bank + Yamagata Shiawase Bank merger → Kirayaka Bank established
2008-10-01Kirayaka Bank absorbed its parent Kirayaka HD, re-listed on the TSE 2 section
2009-09Kirayaka Bank public funds of 200 億円 injected (Act on Strengthening Financial Functions・3 sector-wide) ★
2011-03-11Great East Japan Earthquake → Sendai Bank’s head office and branch buildings damaged, temporary branches・BIB conversion ★
2012-10-01Jimoto HD established (Kirayaka + Sendai business integration, for post-earthquake recovery and expansion of the public-funds frame) ★
2011-09Sendai Bank public funds of 300 億円 injected (Act on Strengthening Financial Functions earthquake special provision, preferred-share payment completed 2011-09-30) ★
2012Kirayaka Bank public funds of 300 億円 injected (Act on Strengthening Financial Functions earthquake special provision)
2020-11SBI Regional Bank HD subscribed to the third-party-allotment capital increase of 35 億円 → became largest shareholder (one piece of the SBI 4 -regional-bank concept)
2023-09-01Kirayaka Bank public funds of 180 億円 additionally injected (Covid special provision・Act on Strengthening Financial Functions) ★
2023-11Jimoto HD became the first in the nation to introduce a common ATM service within the group (all 292 units replaced by 2024-03 )
2024-04-262024-03 term forecast revised downward from profit 17 億 → loss 234 億・wholesale overhaul of top management announced ★
2024-04Stated that repayment of the 200 億円 portion injected in 2009 in 9 would be “difficult”, and began consultations with the FSA
2024-06-20Resolution and Collection Corporation (RCC) acquired voting rights of 63.52% → effective nationalisation ★
2024-09Repayment deadline of public funds of 200 億円 extended by 13 years (2024-09 → 2037-09) formally approved by the FSA ★
During 2024Medium-term management plan (FY 2024〜2026 年, 3 years) commenced

Predecessor-bank details

Kirayaka Bank lineage (Yamagata)

  • Yamagata Shokusan Kabushiki Kaisha (established 1914-01-03) → 1915 Yamagata Shokusan Mujin → 1951 Shokusan Sogo Bank → 1989 Shokusan Bank (converted to an ordinary bank)
  • Yamagata Shiawase Bank (separate lineage)
  • 2007-05-07 Kirayaka Bank established via the merger of the two banks

Sendai Bank lineage (Miyagi)

  • 1951-07-05 Shinko Mujin → 1952 Shinko Sogo Bank → 1989 Sendai Bank (converted to an ordinary bank)

Management strategy

  • Yamagata + Miyagi dual base: a 2 -prefecture wide-area FG of Kirayaka (Yamagata) + Sendai (Miyagi)
  • Earthquake-recovery lending + SME support: the core of the establishment purpose
  • Medium-term management plan (FY 2024-2026 年): a 3 -year plan that targets the accumulation of profits as the source for public-funds repayment
  • SBI tie-up: since the SBI Regional Bank HD investment of 2020-11 , the Northern-Tohoku piece of the SBI 4 -regional-bank concept. Common ATM・system linkage.
  • Public-funds-reduction scenario: announced that, by accumulating Sendai Bank’s retained earnings of 188 億円 (2025-03 term, +9 億円 yoy), the 300 億円 public funds could be repaid by 2036-03

Competition and market position

CategoryCompetitorJimoto HD position
Miyagi-ken No.1 regional bank77 Bank (TSE PRIME 8341)Sendai Bank is the No.2 regional bank
Yamagata-ken No.1 regional bankYamagata Bank (TSE PRIME 8344)Kirayaka Bank is the No.2 regional bank
Northern-Tohoku second-tier regional-bank FGFidea HD (TSE PRIME 8713・Yamagata + Akita)Overlaps with fidea-hd in Yamagata・operating-base competition
Adjacent first-tier regional banksIwate Bank・Toho Bank (Fukushima)Periphery of the operating area
SBI 4 -regional-bank frameFukushima Bank・Shimane Bank・Chikuho BankOther regional-bank group of the SBI alliance

4. Regulation・policy

  • Supervisor: Financial Services Agency (FSA)
  • Act on Strengthening Financial Functions: the basis act for public-funds injection (Kirayaka 2009 200 億円・2012 300 億円・2023 180 億円 / Sendai 2011 300 億円)
  • Resolution and Collection Corporation (RCC): holds voting rights of 63.52% since 2024-06 → effectively under state management
  • Management-strengthening-plan implementation-status report: obligated to be submitted to the FSA every half-year (published 2024-12 / 2025-06 )
  • TSE market segment: Standard (former TSE 2 section)

Recent policy issues

  • The 13 -year repayment extension approved by the FSA in 2024-09 (deadline 2037-09 ) is effectively a rescheduling
  • Sendai Bank’s profit accumulation + Kirayaka Bank’s non-performing-loan disposal are the keys to the repayment source

5. Officers (public basis)

PositionNameAppointment
Representative Director and ChairmanHideki Nishizuka2024-04 management overhaul
Representative Director and PresidentToshio Sakazume2024-04 management overhaul

The 2024-04 wholesale overhaul of top management was an accountability-driven personnel change tied to the 234 億円 downward loss revision and the declaration of inability to repay public funds.

  • fidea-hd (Yamagata + Akita・Northern-Tohoku second-tier regional-bank competition + operating-area overlap)
  • sbi-hd (2020-11 third-party allotment 35 億円・SBI 4 -regional-bank concept)
  • mufg · smfg · mizuho-fg (megabanks)

Sources

[!info] Verification status confidence: likely (v1.1 public information only・Wikipedia + FSA public materials + RIETI + public reporting, re-verified 2026-05-29). The founding year of the predecessor bank is confirmed as establishment of Yamagata Shokusan Kabushiki Kaisha in 1914-01-03 in the Wikipedia Shokusan Bank article (the 1895 founding theory could not be confirmed in the sources and is isolated). The earthquake-special-provision public funds are confirmed by RIETI as Sendai Bank 2011-09 300 億円・Kirayaka Bank 2012 300 億円 (the old description of “2014 Kirayaka additional injection” had no source and is corrected). The RCC voting rights of 63.52% are the figure published as of 2024-06-20.