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Juroku FG

Confidence: Likely Updated 2026-06-24 Review by 2026-12-24 Sources 4 Machine-translated Original (JA)
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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

Juroku FG is a regional-bank financial group based in Gifu Prefecture. Juroku FG Annual Report 2024 explains that, after more than 140 years of history, Juroku Financial Group was established in 2021-10, shifted to a holding-company structure, and repositioned its business model toward a comprehensive regional financial-services group.^[source:juroku-ar-2024] Its core subsidiary bank is Juroku Bank, established in 1877 as the Sixteenth National Bank, and Juroku Bank is also confirmed in the FSA bank-license workbook.^[source:juroku-ar-2024][source:fsa-ginkou-2026] The former Gifu Bank relationship is confirmed by an FSA public notice dated 2012-09-10, which approved the merger with Juroku Bank and set the planned merger date as 2012-09-18.^[source:fsa-juroku-gifu-merger-2012]

1. Company overview

Legal name: 株式会社十六フィナンシャルグループ English name: Juroku Financial Group, Inc. Securities code: TSE PRIME 7380 Established: 2021-10-01 (transitioned to a holding-company structure through Juroku Bank’s sole share transfer) Head office: Gifu City, Gifu Prefecture Main subsidiary: Juroku Bank (core subsidiary bank)

Major subsidiaries / affiliates

Juroku FG (holding company, TSE PRIME 7380)
  ├── Juroku Bank (100%) ── core subsidiary bank, established 1877, Gifu Prefecture No.1 regional bank
  │     ├── In-prefecture operating base (Gifu, Ogaki, Tajimi, Takayama, and the wider prefecture)
  │     └── Expansion into western Aichi Prefecture (Ichinomiya and the northern edge of the Nagoya area)
  ├── Juroku Credit Guarantee ── personal-loan guarantees
  ├── Juroku Lease ── equipment leasing

Annual Report 2024 describes Juroku FG as a group of 12 companies, including Juroku FG and the core company The Juroku Bank.^[source:juroku-ar-2024] Annual Report 2023 overview also shows that both Juroku FG and Juroku Bank hold JCR long-term issuer ratings of A+, so the holding company and the core bank should be read as distinct entities.^[source:juroku-ar-2023]

Former Juroku Bank lineage

  • 1877-10: Sixteenth National Bank established in Gifu, the 16th numbered bank under the Meiji-era National Bank Act.
  • 1896: Incorporated during the transition from national banks to ordinary banks.
  • 1898: Renamed Juroku Bank in connection with the conversion to an ordinary bank.
  • 1949: Listed on the Tokyo Stock Exchange during the postwar regional-bank listing wave.

Holding-company conversion

  • 2021-10-01: Juroku FG established. Juroku Bank shifted to a holding-company structure and stated a business-model transition toward a comprehensive regional financial-services group.^[source:juroku-ar-2024]
  • 2024: Medium-term management plan formulated; details should be checked against official Juroku FG IR.

Adjacent relationships

  • Relationship with the former Gifu Bank: on 2012-09-10, the FSA approved the merger of Juroku Bank and Gifu Bank under Banking Act Article 30, Paragraph 1. The post-merger trade name was to be Juroku Bank, the head office address was 8-26 Kandamachi, Gifu City, and the planned merger date was 2012-09-18.^[source:fsa-juroku-gifu-merger-2012]

3. Business segment map

SegmentCharacteristics
In-prefecture corporateSMEs and local industries in Gifu Prefecture, including textiles, ceramics, woodworking, and auto parts.
Chukyo-area corporateLending expansion into western Aichi Prefecture, including Ichinomiya / Bisai and the northern edge of the Nagoya area.
IndividualsPersonal deposits, mortgages, and asset management in Gifu Prefecture.
Tourism-relatedLending to tourism operators around Takayama, Gero Onsen, Shirakawa-go, and related areas.
ManufacturingAuto parts and electronic components on the northern edge of the Chukyo automotive-industry zone.
Credit guaranteesPart of a comprehensive financial-services model centered on Juroku Bank, grouping guarantees, leasing, consulting, and adjacent functions.^[source:juroku-ar-2024]
LeasingSME equipment-investment finance through Juroku Lease and related group companies.^[source:juroku-ar-2024]

Geographic positioning

  • Across Gifu Prefecture: branch network in major cities such as Gifu, Ogaki, Tajimi, and Takayama.
  • Western Aichi expansion: operating base expansion into Ichinomiya, Bisai, and the northern edge of the Nagoya area.
  • Northern edge of the Chukyo economy: positioned on the periphery of the Nagoya-centered Chukyo economic zone, competing and dividing territory with Aichi regional-bank players, including mufg‘s former Tokai Bank lineage plus Nagoya Bank and Aichi Bank.

Competition in the Chukyo economic zone

  • Competition in western Aichi Prefecture with Nagoya Bank / Aichi Bank and related players such as aichi-bank.

Industrial base

  • Manufacturing: auto parts suppliers around the Chukyo automotive-industry zone, electronic components, textiles, and ceramics such as Mino ware.
  • Tourism: Takayama old town, Gero Onsen, Shirakawa-go World Heritage area, Nagara River cormorant fishing, and related tourism.
  • Woodworking: local industries such as Hida furniture.

Unverified topics

  • Semiconductor-related demand, western Aichi expansion, and in-prefecture share trends remain important follow-up topics. This version limits itself to facts directly confirmed in Juroku FG public IR or public-agency materials, and does not assert spillover effects from specific companies or factory projects.

5. Regulation / Policy

  • Supervisors: Financial Services Agency (FSA) plus the Tokai Local Finance Bureau.
  • Holding-company regulation: Banking Act Article 52-17.
  • Core-bank license: Juroku Bank is confirmed in the FSA workbook.^[source:fsa-ginkou-2026]
  • Recent policy points:
    • BOJ policy-rate normalization from 2024, which can improve regional-bank margins.
    • Regional-bank restructuring pressure under regional revitalization and population decline.
    • The direction of wide-area regional-bank alliances within the Chukyo economic zone.
    • DX investment and shared core-banking-system renewal among regional banks.

7. Open questions

  • How will the in-prefecture share balance with Ogaki Kyoritsu Bank evolve over the medium to long term?
  • How effective is the operating-base expansion into western Aichi Prefecture, including Ichinomiya / Bisai?
  • How much semiconductor-related demand in the Chukyo area will flow through to Gifu manufacturers?
  • What direction will wide-area alliances through Chubu regional-bank networks take?
  • What options will the next medium-term plan present for digital strategy and core-system sharing?
  • What non-bank subsidiary expansion scenario follows the 2021 holding-company conversion?
  • ogaki-kyoritsu-bank (Ogaki Kyoritsu Bank, one of Gifu Prefecture’s two major regional-bank groups)
  • san-jusan-fg (Sanjusan FG, an adjacent Mie regional bank on the Kansai-leaning side of the Chukyo economy)
  • mufg (former Tokai Bank lineage and megabank of the Chukyo economy)
  • shizuoka-fg (Shizuoka FG, a wide-area regional bank on the eastern edge of the Chukyo economy)
  • hokuhoku-fg (Hokuriku economic zone, geographically close to northern Gifu)

Sources

[!info] Verification status confidence: likely (2026-06-24). The holding-company conversion, Juroku Bank core structure, and Gifu Bank merger approval are confirmed from official IR / FSA materials. Market share, semiconductor spillover, and branch-expansion effects remain unverified topics.