しずおか FG (Shizuoka FG)
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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
A standalone regional-bank holding company based in Shizuoka Prefecture (as a regional-bank single entity, one of the largest in the country). Launched when 2022-10-03 Shizuoka Bank became a holding company via a sole share transfer. No.1 base within Shizuoka Prefecture (overwhelming intra-prefecture share・a manufacturing-cluster area) + overseas advance into Mongolia, etc. + coexistence with intra-prefecture peers Suruga Bank・Shimizu Bank. A strategy to secure capital-efficiency improvement and M&A headroom through the holding-company-ization of a standalone regional bank.
1. 会社概要
正式名：株式会社しずおかフィナンシャルグループ 英名：Shizuoka Financial Group, Inc. 証券コード：東証 PRIME 5831 設立：2022-10-03（静岡銀行が単独株式移転で持株会社化） 本社：静岡県静岡市葵区呉服町 1-10（静岡銀行本店ビル内）
主要子会社・持分
しずおか FG（持株会社・上場 5831）
├── 静岡銀行（100%）── 静岡県地盤コア・県内シェア No.1
│ ├── 静岡県内営業ネットワーク（伊豆〜遠州、製造業集積地カバー）
│ ├── 東京・大阪・名古屋等の県外拠点
│ └── 海外駐在員事務所（ニューヨーク / ロサンゼルス / 上海 / シンガポール 等)
├── 静銀ティーエム証券 / グループ証券（旧 静銀証券系統）── 県内リテール証券
├── しずぎんリース / 静銀キャピタル / 静銀信用保証 等 ── グループ金融子会社群
├── 海外現地法人・関連会社（モンゴル MFG 銀行 等）── 旧ハイ・モンゴル銀行系の出資
└── システム・コンサル子会社（しずぎん経営コンサルティング 等)合併歴史・前身
- Former Shizuoka Sanjugo Bank (Meiji era, of the 第三十五国立銀行 lineage)
- Former Hamamatsu Bank (Enshu base)
- Former Shizuoka Nanajuyon Bank (of the 第七十四国立銀行 lineage)
- 1943 establishment of Shizuoka Bank: a wartime-consolidation merger of the prefecture’s major 3 行 (Shizuoka Sanjugo + Hamamatsu + Shizuoka Nanajuyon, etc.)
- Shizuoka Bank TSE First Section listing (a long-time listing as a postwar regional-bank core; the PRIME migration was the 2022-04 market-classification review)
- 2022-10-03 establishment of Shizuoka FG: Shizuoka Bank became a holding company via a sole share transfer (a typical case of standalone regional-bank holding-company-ization)
Integration background: through standalone regional-bank holding-company-ization, it aims for the 3 points of (1) improving capital efficiency by organizing group financial functions such as the subsidiarized securities・leasing・credit-guarantee businesses directly under the holding company, (2) securing headroom for M&A・new-business-format advances not confined to the bank proper, and (3) enhancing the agility of out-of-prefecture advances・overseas expansion. Unlike preceding examples such as FFG, this similar standalone FG-ization is characterized by being “not a merger but a sole share transfer.”
重要年表（抜粋）
| 年月 | 事象 |
|---|---|
| 1943 | 静岡銀行 設立（県内主要 3 行 合併） |
| 戦後 | 静岡銀行 東証一部上場（地銀コア） |
| 1980〜 | 県内シェア No.1 確立、製造業（自動車・楽器・食品）main bank 化 |
| 2000 年代 | モンゴル MFG 銀行（旧 ハイ・モンゴル銀行）等への海外出資・現地法人展開 |
| 2022-04 | 東証市場区分見直し → 東証 PRIME 5831（旧東証一部から移行） |
| 2022-10-03 | しずおか FG 設立（静岡銀行が単独株式移転で持株会社化） |
| 2024〜 | 中期経営計画（地銀単独 FG 化後の戦略フェーズ） |
2. 事業セグメント・マップ
| セグメント | 主要事業者 | 特徴 |
|---|---|---|
| 地盤コア | 静岡銀行 | 静岡県地盤 No.1、製造業 main bank |
| 県内リテール | 静岡銀行・グループ証券 | 静岡県人口 360 万、富裕層 / 個人預金厚い |
| 県外法人 | 静岡銀行東京・大阪・名古屋拠点 | 本社静岡企業の県外取引フォロー + 関東圏中堅企業 |
| グループ金融 | 静銀リース / 信用保証 / キャピタル 等 | 持株会社化で並列再配置 |
県内地盤戦略
- Shizuoka Prefecture = a manufacturing-cluster area: population of approximately 360 万 (around 10 位 nationally), with a cluster of strong mid-tier enterprises in automobiles (Suzuki・Yamaha Motor・Toyota-affiliated), musical instruments (Yamaha・Roland・Kawai Musical Instruments), food・tea, etc. The main-bank position for these is the earnings base
- Coexistence with intra-prefecture peers:
- Suruga Bank (Numazu head office in Shizuoka Prefecture, a second regional bank) ── a competitor in the eastern part of the prefecture, under management rehabilitation due to the past Kabocha no Basha investment problem
- Shimizu Bank ── competition・division with small and mid-tier regional banks within the prefecture
- Intra-prefecture share is overwhelming, but population decline and the outflow of younger generations are medium-to-long-term structural challenges
海外戦略
- Overseas representative offices in New York / Los Angeles / Shanghai / Singapore / Bangkok, etc. (a traditional global base network since the Shizuoka Bank era)
- Supporting the overseas advance of intra-prefecture manufacturers (automotive supply chains・OEM transactions) is the original motivation
持株会社化の戦略意義
- Capital-efficiency improvement: placing securities・leasing・credit-guarantee, etc. that had been stagnating within the bank proper in parallel directly under the holding company → flexibilization of resource allocation across the whole group
- Securing M&A headroom: acquiring a new business format within the bank proper faces large Banking Act constraints; via the holding company it is more flexible
- Digital / cross-industry linkage: establishing・investing in Fintech subsidiaries directly under the holding company is easier
- The significance of standalone FG-ization: the point of choosing “not a merger but a sole share transfer” aims at maintaining independence + simplifying governance
地銀再編における位置
- As a standalone regional-bank group, one of the largest in the country (a base on a par with FFG・Chiba Bank・Yokohama Financial Group (formerly Concordia Financial Group), etc.)
- An independent path that keeps its distance from the SBI 4 th-megabank concept (it has the strength of its base and a manufacturing main-bank position)
- Against megabanks (mufg / smfg / mizuho-fg), it competes with regional rootedness + manufacturing clustering
4. 規制・政策
- 主管：金融庁（FSA）+ 東海財務局
- 持株会社規制：銀行法 第 52 条の 17（銀行持株会社）
- 海外子会社規制：モンゴル中央銀行（Bank of Mongolia）等の現地監督
- 直近政策論点：
- 2024〜 BOJ policy-rate normalization → regional-bank margin improvement (relatively larger benefit than for megabanks)
- 2025〜 acceleration of regional-bank restructuring (population decline + digital-investment burden) → Shizuoka FG faces a judgment phase of whether to maintain independence or to ally with neighboring regional banks
- the pace of M&A・new-business-format advances after standalone FG-ization
Related
- mufg · smfg · mizuho-fg（megabanks 3 行）
- fukuoka-fg · suruga-bank · shimizu-bank · shizuoka-chuo-bank（regional banks・second-regional-bank group）
- minna-bank-baas-model（regional-bank digital-strategy comparison）
Sources
- Wikipedia: しずおかフィナンシャルグループ（https://ja.wikipedia.org/wiki/しずおかフィナンシャルグループ, extracted 2026-05-19）
- Wikipedia: 静岡銀行（https://ja.wikipedia.org/wiki/静岡銀行, extracted 2026-05-19）
[!info] Verification status confidence: likely (v1.0 Wikipedia-based verification 2026-05-19). The history (1943 establishment・2022-10-03 holding-company-ization)・listing classification (TSE PRIME 5831) are confirmed from public information. The details of the subsidiary structure (the investment ratio of Mongolia MFG Bank・the official corporate names of the group financial subsidiaries, etc.), settlement figures, and mid-term-plan targets are not included in this edition — direct confirmation of Shizuoka FG’s official IR / 有価証券報告書 required. The competitive trends with intra-prefecture peers (Suruga / Shimizu) and the positioning within regional-bank restructuring are items for continued observation.