The Shiga Bank (株式会社滋賀銀行)

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

TL;DR

A standalone bank based in Shiga Prefecture (one of the regional banks that have not converted to a holding company). It was established through the consolidation of 1933-10-01 Hachijusan Bank + Omi Bank, with roots in the **64th National Bank (Hikone) of 1879 **. Abbreviation “Shigagin.” Its revenue core is No.1 share within Shiga Prefecture + expansion into the Kansai / Tokai boundary area toward northern Kyoto Prefecture / northern-Osaka Hokusetsu / the Nagoya area + environmental finance around Lake Biwa + ESG / sustainability leadership. As a pioneer regional bank in adopting the UN Principles for Responsible Banking (UN PRB) (2019, the first regional bank), it has established a position as an ESG leader. It is a member of the TSUBASA Alliance led by chiba-bank, participating in system sharing / overseas support. It is in regional contact with the adjacent Kansai regional banks kyoto-fg / resona-hd (including Kansai Mirai Bank) / ikeda-senshu-hd / nanto-bank.

1. Company overview

Legal name: 株式会社滋賀銀行 English name: The Shiga Bank, Ltd. Securities code: TSE PRIME 8366 (migrated from the former TSE First Section in 2022-04 ) Established: 1933-10-01 (consolidation of Hachijusan Bank + Omi Bank) Head office: Hamamachi 1-38 , Otsu City, Shiga Prefecture Business type: standalone bank (the point that it has not converted to a holding company contrasts with the Kansai-regional-bank FG-conversion trend of nearby Kyoto Financial Group・Ikeda Senshu Holdings, etc.)

Main financials (the 138th term / FY2024, as of 2025-03-31)

Indicator	Value (consolidated / non-consolidated)
Total assets	7兆5,282億円 (consolidated) / 7兆5,052億円 (non-consolidated)
Deposit balance	5兆8,125億円
Loan balance	4兆5,633億円
Number of employees	2,171 名 (consolidated) / 1,873 名 (non-consolidated)
Number of branches	133 locations (head office / branches / sub-branches / agencies)

Source: Shiga Bank’s 138th-term securities report (via Wikipedia “滋賀銀行,” as of 2025-03-31).

Main subsidiaries / holdings

Shiga Bank (standalone bank, listed 8366)
  ├── Shigagin Lease ── group finance subsidiary (leasing business)
  ├── Shigagin Credit Guarantee ── credit guarantees for mortgages, etc.
  ├── Shigagin JCB ── JCB-affiliated credit cards
  ├── Shigagin Economic and Cultural Center ── think tank / regional-economy research
  ├── Shigagin Business Service ── back-office agency / peripheral operations

Merger history / predecessors

1879 64th National Bank established (Hikone, under the Meiji-era National Bank Act, established in 第 64 号) — Shiga Bank’s oldest origin (Shigagin’s origin, Hikone)
In the prewar period, regional banks such as Hachijusan Bank (Otsu), Omi Bank, and the 64th-Bank lineage coexisted within Shiga Prefecture
1933-10-01 Shiga Bank established: established through the consolidation of Hachijusan Bank + Omi Bank amid the wartime “one bank per prefecture” policy (a pioneer case of wartime consolidation alongside Nanto Bank 1934-06-01)
After the war, listed for a long time as the core bank within Shiga Prefecture, maintaining and expanding its share within Shiga Prefecture
2015 Joined the TSUBASA Alliance (led by Chiba Bank) ★ — system sharing / overseas-support cooperation
2019 Adopted the UN Principles for Responsible Banking (UN PRB) ★ — the first regional bank to adopt them, establishing a position as an ESG leader
2022-04 TSE market-segment review → TSE PRIME 8366 (migrated from the former TSE First Section)

Key chronology (excerpt)

Year/Month	Event
1879	64th National Bank established (Hikone, under the Meiji-era National Bank Act) — Shigagin’s origin
1933-10-01	Shiga Bank established (consolidation of Hachijusan Bank + Omi Bank)
Postwar	Listed on the TSE, established the No.1 regional-bank position within Shiga Prefecture
1990〜2000 年s	Expansion of the operating area into northern Kyoto Prefecture / northern-Osaka Hokusetsu / the Nagoya area, pioneer of Lake Biwa environmental-conservation lending
2015	Joined the TSUBASA Alliance (led by chiba-bank, the 11 行 structure) ★ — system sharing / overseas support
2019	Adopted the UN Principles for Responsible Banking (UN PRB) ★ — the first regional bank, established a position as an ESG leader
2022-04	TSE market-segment review → TSE PRIME 8366 (migrated from the former TSE First Section)

2. Business-segment map

Segment	Main entity	Characteristics
Base core	Shiga Bank itself	Shiga Prefecture base No.1, dominant in-prefecture share
In-prefecture retail	Shiga Bank	Shiga Prefecture population approx. 140 万, strong personal deposits
Manufacturing lending	Shiga Bank	Shiga Prefecture is an inland manufacturing cluster (auto parts, electrical machinery, materials), main bank for mid-tier manufacturers
Kansai / Tokai boundary expansion	Shiga Bank	All of Shiga Prefecture + northern Kyoto Prefecture + northern-Osaka Hokusetsu + the Nagoya area = a regional-bank position at the 4 -prefecture boundary of Kansai / Tokai
Group finance	Shigagin Lease / Credit Guarantee / JCB / Economic and Cultural Center	complementary functions around the bank itself
Out-of-prefecture corporate	Shiga Bank (out-of-prefecture bases in Kyoto, Osaka, Nagoya, Tokyo, etc.)	following up out-of-prefecture transactions of Shiga-headquartered firms
Digital	Shigagin app / TSUBASA system sharing	as a standalone bank, gaining scale advantages via TSUBASA
ESG	Shiga Bank UN PRB	the first regional bank to adopt UN PRB (2019), a pioneer of ESG disclosure / climate-related financial disclosure (TCFD)

ESG leadership strategy ★

Adopting the UN Principles for Responsible Banking (UN PRB) (2019, the first regional bank): establishing a regional-bank leadership position in ESG disclosure / sustainability-target setting / climate-related financial disclosure (TCFD)
The ESG-leader position could become a differentiating factor in regional-bank reorganization / alliance negotiations

TSUBASA Alliance participation strategy ★

**Joined 2015 ** (the 11 行 alliance led by Chiba Bank): an alternative model for gaining scale advantages while avoiding regional-bank holding-company conversion.

Member bank	Base
[[regional-banks/chiba-bank	千葉銀行]]
Hokuyo Bank	Hokkaido
Musashino Bank	Saitama Prefecture
Shiga Bank	Shiga Prefecture ★
Daishi Hokuetsu Bank	Niigata Prefecture
Chugoku Bank	Okayama Prefecture
Iyo Bank	Ehime Prefecture
Toho Bank	Fukushima Prefecture
Hokkoku Bank	Ishikawa Prefecture
[[regional-banks/kyoto-fg	京都銀行]]
Gunma Bank	Gunma Prefecture

Strategic significance of TSUBASA:

System sharing: cutting IT costs by sharing core / peripheral systems (a standalone regional bank lacks scale)
Overseas support: mutually using member banks’ Singapore / overseas bases, so Shiga Bank need not expand overseas bases on its own
Business cooperation: securing freedom for cross-industry expansion through trust / securities / leasing business cooperation
Relationship with the adjacent-prefecture member Kyoto Financial Group: cooperation within the TSUBASA alliance, with the two-sidedness of competition in the Shiga / Kyoto boundary area

In-prefecture base strategy

Shiga Prefecture = an inland manufacturing power: a cluster of mid-tier manufacturers in auto parts, electrical machinery, and materials, holding the main-bank position for these firms
The particularity around Lake Biwa: Lake Biwa is the water source for 1400 万 people in Keihanshin, making it material for outward messaging as a theme for environmental-conservation lending / ESG finance
Northern Kyoto Prefecture / northern-Osaka Hokusetsu / the Nagoya area: because volume is limited within Shiga Prefecture alone, strengthening expansion into eastern / northern Kyoto City + Takatsuki / Ibaraki in Osaka Prefecture + the Nagoya area (via Maibara)
Dominant in-prefecture share, but Shiga Prefecture has the two-sidedness of becoming a Keihanshin bedroom community (the south — Otsu, Kusatsu, Ritto) and population decline in the north of the prefecture (Hikone, Nagahama, Maibara)

Competitive structure at the Kansai / Tokai boundary

The particularity of the Kansai / Tokai boundary area: Shiga Prefecture borders Kyoto Prefecture to the west, Mie Prefecture to the south (over Suzuka), Gifu Prefecture to the east, Fukui Prefecture to the north, and Kyoto Prefecture’s Tango to the northwest, located at a 4 -prefecture boundary. It has the geographic particularity of sitting between the Keihanshin economic zone and the Tokai economic zone (Nagoya)
Competition with megabanks (mufg / smfg / mizuho-fg): large-enterprise deals in the Keihanshin / Nagoya urban areas have a structure of flowing out to megabanks, and Shiga Bank counters with its main-bank position for mid-tier / SME manufacturers within Shiga Prefecture + adjacent prefectures
Competition with the Kansai regional-bank group:
- Kyoto Financial Group (Bank of Kyoto): all of Kyoto Prefecture + southern Shiga Prefecture + northern Osaka Prefecture, with the two-sidedness of being a TSUBASA ally and an adjacent-prefecture competitor
- Resona HD (former Daiwa Bank + Asahi Bank, including Kansai Mirai Bank): the largest regional-bank group in Kansai, indirectly competing in Osaka Prefecture / Kyoto Prefecture
- Ikeda Senshu Holdings: indirectly competing in the northern-Osaka Hokusetsu area
- Nanto Bank: based in Nara Prefecture, with prefectural-border contact to the east (the Todaiji / Kasagi area)
Competition with the Tokai regional-bank group:
- Ogaki Kyoritsu Bank: western Gifu Prefecture, with prefectural-border contact via Maibara
- Juroku FG: Gifu Prefecture, indirectly competing in the Sekigahara area
- Mie Bank / San ju San Financial Group: Mie Prefecture, indirectly competing over Suzuka

Strategic significance of being a standalone bank

The point that it has not converted to a holding company contrasts with the Kansai-regional-bank FG-conversion trend of nearby Kyoto Financial Group (2009 sole FG conversion) and Ikeda Senshu Holdings (2009 consolidation) (Shiga Bank continues as a standalone listed bank with an audit-and-supervisory-board structure)
Advantages of a standalone bank: (1) simpler governance, (2) concentration of management resources in the bank itself, (3) no additional cost of holding-company conversion
A distinctive model of gaining scale / ESG differentiation while remaining a standalone bank, via TSUBASA membership + UN PRB adoption

Position in regional-bank reorganization

Maintaining an independent path as Shiga Prefecture’s standalone regional-bank leader (keeping distance from megabank tie-ups / the SBI 4 megabank concept)
Reinforcing the strategy of remaining standalone with the two pillars of TSUBASA + UN PRB
The ESG-leader position could contribute to bargaining power in the event of reorganization

4. Regulation / policy

Supervision: Financial Services Agency (FSA) + Kinki Local Finance Bureau
Banking regulation: Banking Act (as a standalone bank, it is not subject to bank-holding-company regulation)
Participation in international frameworks: adoption of the UN Principles for Responsible Banking (UN PRB) (2019, the first regional bank), climate-related financial disclosure in line with TCFD recommendations
Recent policy points:
- 2024〜 BoJ policy-rate normalization → regional-bank margin improvement (the benefit is relatively larger than for megabanks)
- 2025〜 acceleration of regional-bank reorganization (population decline + digital-investment burden) → judgments on cooperation / reorganization with the Kansai regional-bank group
- The judgment of whether to remain a standalone bank or shift to holding-company conversion (FG conversion)
- Sophistication of ESG / sustainability disclosure (trends in international initiatives such as GFANZ / NZBA)
- The institutional positioning of Lake Biwa environmental-conservation lending (cooperation with the Ministry of the Environment / Shiga Prefecture)

mufg · smfg · mizuho-fg (megabanks 3 行, competing on large-enterprise deals in Keihanshin / Nagoya)
resona-hd · kyoto-fg · ikeda-senshu-hd · nanto-bank (Kansai regional-bank group)
chiba-bank (TSUBASA Alliance lead bank)
ogaki-kyoritsu-bank · juroku-fg · san-jusan-fg (Tokai regional-bank group, prefectural-border competition)
hachijuni-bank (standalone-regional-bank comparison) · mebuki-fg · concordia-fg · fukuoka-fg (comparison with earlier examples of regional-bank FG conversion)
minna-bank-baas-model (regional-bank digital-strategy comparison)

Sources

Wikipedia: 滋賀銀行 (https://ja.wikipedia.org/wiki/滋賀銀行, extracted 2026-05-19 / FY2024 figures confirmed 2026-05-29)
Shiga Bank’s 138th-term securities report (FY2024, as of 2025-03-31 — total assets, deposits, loans, employees, number of branches)
Shiga Bank official history / IR disclosure materials (2025)
TSUBASA Alliance official information

[!info] Verification status confidence: likely (v1.1 public-information-based verification 2026-05-19, ambiguous re-check 2026-05-29). The history (1933-10-01 establishment, Hachijusan + Omi consolidation, the 64th National Bank 1879 Hikone origin), listing segment (TSE PRIME 8366), standalone-bank structure, head-office location (Hamamachi 1-38, Otsu City), TSUBASA Alliance membership (2015), and UN PRB adoption (2019, the first regional bank) are confirmed from public information. The FY2024 (138th term, 2025-03-31) earnings figures (total assets 7.53 兆円, deposits 5.81 兆円, loans 4.56 兆円, employees 2,171 名 consolidated, branches 133) are recorded on a securities-report basis. The point that it “has not converted to a holding company” is confirmed via Wikipedia (a standalone listed bank with an audit-and-supervisory-board structure), organized in parallel with other standalone regional banks (Chiba Bank・Nanto Bank・Hachijuni Bank, etc.). The ownership ratios of subsidiaries, the specific target values of the 2024 medium-term management plan, the precise locations of overseas representative offices, and the actual scale of ESG finance / Lake Biwa environmental-conservation lending are not recorded in this version — direct confirmation against Shiga Bank’s official IR is required. The Kansai / Tokai boundary (Shiga + northern Kyoto Prefecture + northern-Osaka Hokusetsu + the Nagoya area) strategy, and the distinctive model of reinforcing standalone maintenance with the two pillars of TSUBASA + UN PRB, are the strategic core.