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三十三銀行 (San ju San Bank)

Confidence: Likely Updated 2026-05-26 Review by 2026-11-20 Sources 6 Machine-translated Original (JA)
#JapanFG#banking#regional-bank#chubu#mie#operating-company
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Wiki route

This entry sits under the regional-banks INDEX as the bank-license operating-company anchor for the San ju San Financial Group holding-company route. Read it against the Hyakugo Bank in-prefecture rival and the The Juroku Bank / Aichi Bank Chubu peer banks, and against the regional-bank consolidation pattern for the broader system / regulatory boundary.

TL;DR

San ju San Bank, Ltd. is a first-regional bank headquartered in Yokkaichi City, Mie Prefecture, and is the 100% subsidiary / single bank operating subsidiary of San ju San Financial Group (TSE PRIME 7322). It was launched through the 2021-05-01 merger of the former Mie Bank + the former Daisan Bank, and the company name “San ju San (Thirty-three)” is a double meaning taking the “san (three)” from both banks: “san (mie / Mie) + san (third / Daisan)” (English name: San ju San = 33). The No.1 share within the prefecture is held by Hyakugo Bank, and while this bank ranks 2位 following the consolidation of the two banks, it leverages its unique position on the Kansai-leaning boundary of the Chukyo economic zone (the Nagoya area).

1. License / group boundary

ItemNotes
Legal name株式会社三十三銀行
English nameSan ju San Bank, Ltd.
License routeBanking Act regional bank; FSA bank license list
Group boundarysan-jusan-fg 100% subsidiary core operating bank
Headquarters三重県四日市市西新地 7-8
Branch network三重県北部 (四日市・桑名・津・松阪・伊勢) + 名古屋・大阪・東京
Wiki roleMie regional-bank operating-company anchor

2. Holding tree

[[regional-banks/san-jusan-fg|三十三 FG]] (holding company, TSE PRIME 7322, established 2018-04 )
  └── San ju San Bank, Ltd. (100%, launched through merger 2021-05 )
        ├── Operating base within Mie Prefecture
        │     ├── Yokkaichi head office + northern prefecture (former Mie Bank base)
        │     ├── Matsusaka / Ise (former Daisan Bank base)
        │     └── Tsu / Kuwana / Suzuka
        ├── Nagoya-area branches (spillover into the Chukyo economic zone)
        ├── Osaka / Tokyo representative offices
        └── Group subsidiaries
              ├── San ju San Lease
              ├── San ju San Card Service
              ├── San ju San DC Card
              └── San ju San Computer Service

Former Daisan Bank lineage

  • 1895: 112th National Bank established (the origin of the former Daisan Bank)
  • 1912: converted to an ordinary bank → Matsusaka Bank established
  • In the postwar reorganization, it became a regional financial institution based in the south (Matsusaka / Ise) as Daisan Bank
  • 1973 joined the Second Association of Regional Banks → converted from a mutual bank to an ordinary bank (1989)

Former Mie Bank lineage

  • 1928: Mie Bank established (merger of the former Yokkaichi Bank + Kuwana Bank, etc., based in the northern industrial zone)
  • A transaction base with companies related to the Yokkaichi industrial complex
  • Historically held a competitive relationship with the Chukyo economic zone (the Aichi Prefecture regional-bank camp)

Management-integration process

  • 2018-04-02: Mie Bank + Daisan Bank → San ju San Financial Group established (joint share transfer, making both banks 100% subsidiaries)
  • 2021-05-01: merger of the two banks → San ju San Bank launched (completion of becoming a single bank operating subsidiary)
  • 2024: medium-term management plan formulated (branch-network optimization, DX investment, Nagoya-area expansion)

4. KPI table (FY2025.3)

ItemValue (as of 2025年3月)
Deposits, etc., balance (FG consolidated, including negotiable certificates of deposit)3 兆 9,331 億円 (vs. prior fiscal year-end +453 億円)
Loan balance (FG consolidated)3 兆 143 億円 (vs. prior fiscal year-end +854 億円)
Total assets (FG consolidated)4 兆 5,108 億円
Main operating areaMie Prefecture (entire) + Nagoya area / Osaka / Tokyo
Employees (FG consolidated)approx. 2,400 people
In-prefecture shareNo.2 (No.1 is [[regional-banks/hyakugo-bank
FG listing code[[regional-banks/san-jusan-fg

Note: The above is on a San ju San Financial Group FY2025.3 consolidated basis (2025-05-09 financial results summary / integrated report 2025). San ju San Bank is the core subsidiary of this FG, with the “banking” segment accounting for the majority. For precise standalone figures, refer to the FG’s securities report.

5. Business segment map

SegmentCharacteristics
In-prefecture corporateMie Prefecture SMEs / local industries (fisheries, tourism, industry)
Chukyo-area corporateLending spillover into the Nagoya-area (Aichi Prefecture) economy
IndividualsPersonal deposits / mortgages / asset management within Mie Prefecture
Tourism-relatedIse Jingu pilgrims + related inns / retail
IndustryYokkaichi industrial complex (petrochemicals / electronic components) related
FisheriesFisheries / marine-product processing of Ise Bay / the Kumano Sea

Geographic position

  • Mie Prefecture base + Kansai-leaning boundary of the Chukyo economic zone: a duality of Nagoya-area (Chukyo) economic spillover and cultural proximity to the Kansai region
  • Boundary regional-bank position: between Chukyo (the Aichi Prefecture regional-bank camp) vs. Kansai (the Kinki camp)
  • In-prefecture No.2: a scale second to Hyakugo Bank, but it aims to catch up in scale through the consolidation of the two banks (2018-2021)

In-prefecture competition

  • Hyakugo Bank (8368): in-prefecture No.1, Tsu head office, the entire Mie Prefecture + Chukyo-area expansion
  • Aichi Bank (aichi-fg camp): centered on Aichi Prefecture, spillover competition into Kuwana / northern Mie
  • The Juroku Bank (juroku-fg camp): Gifu head office, cross-border Gifu competition in Kuwana / northern Mie
  • Ogaki Kyoritsu Bank: Gifu Seino, competition in the Kuwana area

Consolidation effects (2018→2021)

  • Overlapping-branch-network reorganization: progress in consolidating and abolishing overlapping branches (Tsu / Matsusaka / Ise) of Mie Bank + Daisan Bank
  • System integration: unification onto the former Mie Bank base
  • Scale expansion: narrowing the scale gap with Hyakugo by securing deposits at the 4 兆円 level

7. Regulation / policy

  • Supervisor: Financial Services Agency (FSA) / Banking Act Article 4 license
  • Industry group: member of Zenchugin Kyo
  • Holding-company regulation: Banking Act Article 52 -17 (holding company = san-jusan-fg)
  • Recent policy topics:
    • 2024~ BOJ rate hikes → improvement in domestic lending margins
    • 2024~ expectations for regional-bank realignment (a future-consolidation scenario with the in-prefecture No.1 Hyakugo Bank is officially denied)
    • Promotion of business-feasibility-assessment lending for SMEs
    • Mie Prefecture regional revitalization + tourism-recovery lending

Sources

[!info] Verification status confidence: likely (operating-company anchor created 2026-05-24). FG page = san-jusan-fg covers strategy and group integration, while this page covers the bank-license entity boundary and the in-prefecture competitive landscape. The deposit / loan KPIs have been updated on a San ju San Financial Group FY2025.3 consolidated basis (2025-05-09 financial results summary). For precise standalone figures, refer to the FG’s securities report.