Overview
Banks

Kyoto Financial Group,Inc.

Kyoto Financial Group is a regional financial holding company centered on banking operations, providing a comprehensive range of financial services including leasing, credit card, and financial instruments trading businesses. The Group serves retail and corporate clients primarily in the Kyoto region and surrounding areas through its core banking subsidiary, Kyoto Bank. The Group leverages its deep regional relationships and diversified financial service offerings to support local economic development.

Market Cap
¥1,134B
US$7.22B
EV
¥—B
Stock¥4,018▼-2.31%
US$1 = ¥157.05 (2026-10-22)
ROE
7.5%
* LTM NI / end-of-period equity
PBR
0.8
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+5.9%pt
1001234
Oct 23, 25 – Oct 23, 26StockTOPIX
1Dec 1, 25Silchester International Investors LLP changed stake (7.44%→6.4%)
2Mar 5, 26Financial sector uptrend continues
3May 27, 26Silchester International Investors LLP changed stake (6.4%→5.37%)
4Jul 9, 26Silchester International Investors LLP changed stake (5.37%→4.36%)
AI Briefing
Kyoto Bank-anchored regional financial holding company spanning banking, leasing, credit card and securities across Kyoto/Kinki. FY26/3 revenue ¥367B, up sharply from ¥167B in FY25/3, reflecting strong top-line momentum. No tender offer in play; ¥1,159B market cap against ¥1,383B equity and net cash position underscores a conservatively capitalized regional franchise.
Performance & Balance
Revenue 5Y (¥B)
138US$877M'24/3167US$1.06B'25/3367US$2.33B'26/3
Net Income 5Y (¥B)
31.6US$201M'24/336.6US$233M'25/396.7US$616M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
930US$5.92B'24/31,322US$8.42B'25/3905US$5.76B'26/3
Shareholders
Top 10 hold 36.4%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
12.37%
2
Nippon Life Insurance Company
3.84%
3
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
3.54%
4
Meiji Yasuda Life Insurance Company
3.52%
5
Custody Bank of Japan, Ltd. (Trust Account)
3.12%
6
NORTHERN TRUST CO.(AVFC)RE SILCHESTER INTERNATIONALINVESTORS INTERNATIONAL VALUEEQUITY TRUST (Standing Proxy: The Hongkong and Shanghai Banking Corporation Limited, Tokyo Branch)
2.57%
7
KYOCERA CORPORATION
2.24%
8
Sumitomo Life Insurance Company
1.85%
9
Kyoto Financial Group,Inc. Employee Stock Ownership Association
1.79%
10
BNY GCM CLIENT ACCOUNT JPRD AC ISG (FE-AC; Standing Proxy: MUFG Bank, Ltd.)
1.55%
Management
12 officers
Nobuhiro DOI
Representative Director, President
Apr 1980 Joined The Kyoto Bank, Ltd. Jun 2006 Head of Human Resources Department Jun 2007 Director, Head of Human Resources Department Jun 2008 Managing Director Jun 2010 Managing Director, Head of Head Office Sales Department Jun 2012 Managing Director Jun 2015 Representative Director, President, The Kyoto Bank, Ltd. Jun 2023 Representative Director, Chairman, The Kyoto Bank, Ltd. Oct 2023 Representative Director, President, Kyoto Financial Group, Inc. (current)
1956-04-25
Hiroyuki HATA
Representative Director
Apr 1987 Joined The Kyoto Bank, Ltd. Jun 2010 Head of Human Resources Department Jun 2012 Branch Manager, Kujo Branch Jun 2015 Executive Officer, Head of Compliance Division and Head of Customer Service Office, Compliance Division Jun 2016 Executive Officer, Head of Risk Management Division Feb 2017 Executive Officer, Secretary General, Productivity Innovation Headquarters Jun 2018 Director, Secretary General, Productivity Innovation Headquarters Jun 2019 Managing Director Jun 2023 Senior Managing Director, The Kyoto Bank, Ltd. (current) Oct 2023 Representative Director, Kyoto Financial Group, Inc. (current)
1963-04-16
Mikiya YASUI
Director
Apr 1987 Joined The Kyoto Bank, Ltd. Apr 2011 Head of Secretariat Nov 2014 Head of Human Resources Department Jun 2015 Executive Officer, Head of Human Resources Department Jun 2017 Director Jun 2018 Managing Director, Head of Head Office Sales Department Jun 2021 Managing Director Jun 2023 Representative Director, President, The Kyoto Bank, Ltd. (current) Oct 2023 Director, Kyoto Financial Group, Inc. (current)
1965-02-08
Minako OKUNO
Director
Apr 1989 Joined The Kyoto Bank, Ltd. Jun 2013 Principal, The Kyoto Bank Financial Academy Jun 2018 Head of Public Sector and Regional Cooperation Department Jun 2019 Executive Officer, Head of Public Sector and Regional Cooperation Department Jun 2022 Director Oct 2023 Director, Kyoto Financial Group, Inc. (current) Jun 2024 Managing Director, The Kyoto Bank, Ltd. (current)
1966-02-23
Toshiro IWAHASHI
Director, Audit and Supervisory Committee Member
Apr 1986 Joined The Kyoto Bank, Ltd. Jun 2008 General Manager, General Planning Department Jun 2012 Branch Manager, Sanjo Branch Jun 2014 Director, Branch Manager, Sanjo Branch Jun 2015 Director, Head of Credit Examination Department Jun 2016 Managing Director, Head of Head Office Sales Department Jun 2018 Managing Director Jun 2022 Representative Director, Senior Managing Director Jun 2023 Special Advisor Oct 2023 Director, Audit and Supervisory Committee Member, Kyoto Financial Group, Inc. (current)
1961-12-12
Eiji UEKI
Director, Audit and Supervisory Committee Member
Apr 1981 Joined Nippon Telegraph and Telephone Public Corporation Jun 2009 Executive Officer, NTT DATA Corporation Jun 2013 Director, Executive Officer, NTT DATA Corporation Jun 2014 Director, Managing Executive Officer, NTT DATA Corporation Jun 2016 Representative Director, Managing Executive Officer, NTT DATA Corporation Jun 2017 Representative Director, Senior Executive Vice President, NTT DATA Corporation Jun 2018 Representative Director, President, NTT DATA System Technologies Corporation Jun 2021 Representative Director, President, NTT DATA Force Corporation Jun 2021 Director, The Kyoto Bank, Ltd. Apr 2022 Representative Director, President, NTT DATA Financial Technology Corporation Jun 2022 Director, NTT DATA Force Corporation Oct 2023 Director, Audit and Supervisory Committee Member, Kyoto Financial Group, Inc. (current) Jun 2024 Advisor, NTT DATA Financial Technology Corporation Jun 2024 Advisor, NTT DATA Force Corporation Sep 2024 Outside Audit & Supervisory Board Member, CIJ Co., Ltd. (current)
1958-06-18
Motoko TANAKA
Director, Audit and Supervisory Committee Member
Apr 1988 Appointed Public Prosecutor Jul 2015 Chief Public Prosecutor, Matsue District Public Prosecutors Office Sep 2016 Public Prosecutor, Supreme Public Prosecutors Office Jul 2017 Chief Public Prosecutor, Mito District Public Prosecutors Office Feb 2018 Chief Public Prosecutor, Kyoto District Public Prosecutors Office Jul 2019 Chief Public Prosecutor, Kobe District Public Prosecutors Office Nov 2020 Registered as Attorney-at-Law (Osaka Bar Association) Nov 2020 Of Counsel, Katayama & Hiraizumi Law Office (now Katayama, Hiraizumi & Kunugiza Law Office) (current) Jun 2021 Audit & Supervisory Board Member, The Kyoto Bank, Ltd. Jun 2023 Outside Director, Kansai Electric Power Co., Inc. Oct 2023 Director, Audit and Supervisory Committee Member, Kyoto Financial Group, Inc. (current)
1958-04-22
Shizue IZUMI
Director, Audit and Supervisory Committee Member
Jan 2005 Associate Professor, Department of Intelligent Information Systems, Faculty of Engineering, Oita University Apr 2017 Professor, Department of Data Science, Faculty of Data Science, Shiga University (current) Apr 2018 Visiting Researcher, Graduate School of Medicine, Kyoto University Apr 2018 Visiting Professor, Institute of Statistical Mathematics Apr 2018 Part-time Lecturer, Disaster Prevention Research Institute, Kyoto University Aug 2018 Data Analysis Advisor, Policy Coordination Department, Otsu City, Shiga (current) Apr 2019 Professor, Graduate School of Data Science, Shiga University (current) Sep 2019 Regional Judge, Cabinet Office Regional Revitalization Promotion Office, Regional Revitalization Policy Idea Contest 2019 Mar 2020 Outside Director, Sakata INX Corporation Jun 2024 Director, Audit and Supervisory Committee Member, Kyoto Financial Group, Inc. (current)
1964-03-18
Junya NARUSE
Director
Apr 1989 Joined Daiwa Securities Co. Ltd. Oct 2014 General Manager, Corporate Research Department Oct 2017 General Manager, Equity Research Department Apr 2020 Senior Adviser, Deputy in charge of Equity and Research, General Manager, Equity Research Department Oct 2020 Senior Adviser, Deputy in charge of Equity and Research Nov 2020 Member, Education Committee, Japan Securities Analysts Association Apr 2021 Senior Adviser, in charge of Equity and Research, Daiwa Securities Co. Ltd. Apr 2021 Member, Judging Committee, Japan IR Association Excellent Company Awards Apr 2023 Executive Officer, in charge of Equity and Research, Deputy in charge of Global Markets Strategy Planning, Daiwa Securities Co. Ltd. Apr 2024 Representative Director, President, Daiwa Investor Relations Co., Ltd. Sep 2024 Member, Judging Committee, Intellectual Property and Intangible Assets Governance Promotion Association Awards (current) Jun 2026 Director, Kyoto Financial Group, Inc. (current)
1966-01-16
Chiho OYABU
Director, Audit and Supervisory Committee Member
Apr 1994 Associate Professor, Faculty of Education, Gifu University Apr 2010 Professor, Faculty of Education, Gifu University (current) Apr 2019 Professor, Graduate School, Hyogo University of Teacher Education (current) Jun 2020 Director, The Kyoto Bank, Ltd. Apr 2021 Vice President, Gifu University, Tokai National Higher Education and Research System (current) Oct 2023 Director, Audit and Supervisory Committee Member, Kyoto Financial Group, Inc. (current)
1962-03-15
Hiroyuki NAKATSUKASA
Director, Audit and Supervisory Committee Member
Sep 1984 Registered as Certified Public Accountant Oct 1988 Registered as Certified Tax Accountant Nov 1989 Established Nakatsukasa Certified Public Accountant and Tax Accountant Office; Representative (current) Jun 2007 Chairman, Kinki Chapter, Japanese Institute of Certified Public Accountants Jul 2007 Vice President, Japanese Institute of Certified Public Accountants Jun 2009 Outside Audit & Supervisory Board Member, Osaka Securities Exchange Co., Ltd. Feb 2012 Outside Audit & Supervisory Board Member, Furusato Industries, Ltd. Jan 2013 Outside Director, Japan Exchange Group, Inc. Jun 2015 Outside Audit & Supervisory Board Member, Nippon Gosei Kagaku Kogyo Co., Ltd. Jun 2015 Outside Director, Furusato Industries, Ltd. Jun 2021 Audit & Supervisory Board Member, The Kyoto Bank, Ltd. Oct 2021 Outside Director, Furusato Marukah Holdings Co., Ltd. (now Unisol Holdings Co., Ltd.) (current) Oct 2023 Director, Audit and Supervisory Committee Member, Kyoto Financial Group, Inc. (current)
1957-12-21
Tamae AKAMATSU
Director, Audit and Supervisory Committee Member
Apr 1993 Lecturer, Oil Painting Program, Faculty of Fine Arts, Kyoto City University of Arts Apr 2004 Associate Professor, Kyoto City University of Arts Apr 2010 Professor, Kyoto City University of Arts Apr 2018 Dean, Faculty of Fine Arts, Kyoto City University of Arts Apr 2019 President, Kyoto City University of Arts (Public University Corporation) Apr 2020 Member, Management Council, Kyoto Institute of Technology (current) Apr 2022 Member, Steering Committee, International Research Center for Japanese Studies (current) Jun 2022 Outside Director, Nidec Corporation Jun 2023 Trustee, Daikin Industries Contemporary Art Foundation (current) Dec 2023 Member, Expert Advisory Board, Hyogo Prefectural Museum of Art (current) May 2024 Trustee, NISSHA Foundation (current) Apr 2025 Member, Steering Committee, National Museum of Art (current) Jun 2025 Trustee, Kobe College Corporation (current) Jun 2025 Trustee, Inamori Foundation (current) Jun 2025 Director, Audit and Supervisory Committee Member, Kyoto Financial Group, Inc. (current) Oct 2025 Deputy Director, International Research Institute for Advanced Studies (current)
1959-12-08
Large Shareholding Reports
Silchester International Investors LLP
2026-07-09
5.37%→4.36%
Silchester International Investors LLP
2026-05-27
6.40%→5.37%
Silchester International Investors LLP
2025-12-01
7.44%→6.40%
Silchester International Investors LLP
2025-08-04
8.50%→7.44%
Silchester International Investors LLP
2025-03-21
7.63%→8.50%
Silchester International Investors LLP
2025-01-20
6.59%→7.63%
Silchester International Investors LLP
2023-10-04
6.59%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-31
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-07-09
Large Shareholding Report
EDINET
2026-06-19
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-05-27
Large Shareholding Report
EDINET
2026-04-02
中期経営計画
TDnet
2026-01-30
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-12-01
Large Shareholding Report
EDINET
2025-11-28
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-08-04
Large Shareholding Report
TDnet
2025-07-31
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-25
Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINET
2025-03-21
Large Shareholding Report
TDnet
2025-02-07
Q3 Earnings Flash
FY ending Mar 2025
TDnet
2025-01-31
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2025-01-20
Large Shareholding Report
EDINET
2024-11-28
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-31
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-28
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-09
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-10-04
Large Shareholding Report
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