Overview
Banks

Suruga Bank Ltd.

Suruga Bank is a regional bank headquartered in Numazu, Shizuoka Prefecture, providing core banking services including deposits, lending, domestic exchange, and window sales of securities, investment trusts, and insurance. The Group operates through six consolidated subsidiaries offering complementary financial services such as consumer lending, leasing, credit card services, investment, and IT/back-office processing. The Bank has a capital and business alliance with Credit Saison Co., Ltd., reinforcing its retail financial services capabilities.

Market Cap
¥456B
US$2.90B
EV
¥—B
Stock¥2,680▼-1.43%
US$1 = ¥157.05 (2026-10-22)
ROE
13.1%
* LTM NI / end-of-period equity
PBR
1.4
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+55.5%pt
100
Oct 23, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
92.1US$586M'22/392.4US$588M'23/391.4US$582M'24/391.1US$580M'25/3110US$700M'26/3
Net Income 5Y (¥B)
7.96US$50.7M'22/310.6US$67.3M'23/315.4US$97.9M'24/320.2US$128M'25/334.7US$221M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
856US$5.45B'22/31,021US$6.50B'23/3965US$6.15B'24/3684US$4.36B'25/3431US$2.74B'26/3
Shareholders
Top 10 hold 52.4%
1
Credit Saison Co.,Ltd.
17.19%
2
The Master Trust Bank of Japan, Ltd. (Trust Account)
9.95%
3
Meiji Yasuda Life Insurance Company
4.29%
4
NORTHERN TRUST CO. (AVFC) RE NON TREATY CLIENTS ACCOUNT (Standing Proxy: The Hongkong and Shanghai Banking Corporation Limited, Tokyo Branch)
4.24%
5
INDUS SELECT MASTER FUND, LTD. (Standing Proxy: The Hongkong and Shanghai Banking Corporation Limited, Tokyo Branch)
3.43%
6
Suruga Scholarship Foundation (General Incorporated Foundation)
3.15%
7
STATE STREET BANK AND TRUST COMPANY 505103 (Standing Proxy: Mizuho Bank, Ltd.)
3.11%
8
Custody Bank of Japan, Ltd. (Trust Account)
2.98%
9
Sompo Japan Insurance Inc.
2.35%
10
INDUS JAPAN LONG ONLY MASTER FUND, LTD (Standing Proxy: The Hongkong and Shanghai Banking Corporation Limited, Tokyo Branch)
1.67%
Management
11 officers
Tomoki TOYA
Representative Director, Senior Managing Executive Officer, General Manager, Community Bank Headquarters
Apr 1989: Joined the Company Apr 2006: Branch Manager, Hadano Branch Apr 2015: General Manager, Personal Finance Department, Customer Support Headquarters Jun 2016: General Manager, Casting Department, Management Planning Department Sep 2018: Executive Officer, General Manager, Human Resources Department Oct 2018: Executive Officer, General Manager, Sales Headquarters Apr 2019: Executive Officer, General Manager, Sales Headquarters; concurrently Head, Kanagawa Community Bank May 2020: Executive Officer, General Manager, Sales Headquarters Jun 2020: Director Jun 2023: Managing Executive Officer, Head of Community Bank Apr 2024: Representative Director, Senior Managing Executive Officer, General Manager, Community Bank Headquarters (current)
1966-03-11
Fujio SATO
Director, Managing Executive Officer, General Manager, General Planning Headquarters and CCO
Apr 1994: Joined the Company Apr 2007: Branch Manager, Shizuoka Minami Branch Oct 2009: Branch Manager, Fuji Takaoka Branch Apr 2018: General Manager, Compliance Office, Management Planning Department Sep 2018: Executive Officer, General Manager, Compliance Office, Management Planning Department Oct 2018: Executive Officer, General Manager, Compliance Division Jun 2022: Executive Officer, Deputy General Manager, General Planning Headquarters Apr 2023: Executive Officer, General Manager, General Planning Headquarters Jun 2023: Managing Executive Officer, General Manager, General Planning Headquarters Jun 2025: Director, Managing Executive Officer, General Manager, General Planning Headquarters Apr 2026: Director, Managing Executive Officer, General Manager, General Planning Headquarters and CCO (current)
1970-01-15
Tatsuya AKITA
Director, Audit and Supervisory Committee Member
Apr 1985: Joined the Company Apr 2005: General Manager, Integrated Risk Management Department, Management Planning Department Apr 2007: Branch Manager, Shimizu Branch Apr 2011: Executive Officer, General Manager, Management Administration Department Apr 2015: Managing Executive Officer, General Manager, Management Administration Department; in charge of Financial Markets Department Apr 2018: Senior Executive Officer, General Manager, Management Administration Department Oct 2018: Senior Executive Officer, General Manager, General Planning Headquarters Jun 2023: Director, Audit and Supervisory Committee Member (current)
1962-09-06
Kosuke KATO
Representative Director, President
Apr 1989: Joined Nippon Life Insurance Company Mar 1997: Joined Boston Consulting Group Jul 2003: Partner, Boston Consulting Group Jan 2010: Senior Partner & Managing Director, Boston Consulting Group Oct 2013: Executive Officer, American Family Life Assurance Company of Columbus (now Aflac Life Insurance Japan Ltd.) Jan 2016: Managing Executive Officer, American Family Life Assurance Company of Columbus Aug 2018: Representative Director, President, Sony Life Aegon Life Insurance Co., Ltd. (now Sony Life Insurance Co., Ltd.) Jun 2020: Representative Director, Executive Vice President, the Company Jun 2023: Representative Director, President, the Company (current) Jul 2023: Director, Credit Saison Co., Ltd. (current)
1966-03-15
Naoki TAKAHASHI
Director
Apr 1974: Joined Fuji Bank, Ltd. (now Mizuho Bank, Ltd.) Apr 2003: Executive Officer, Senior General Manager, Osaka Corporate Division No. 2, Mizuho Corporate Bank (now Mizuho Bank, Ltd.) Apr 2004: Managing Executive Officer, in charge of sales, Mizuho Corporate Bank Apr 2005: Joined Credit Saison Co., Ltd. as Adviser Jun 2005: Managing Director, Credit Saison Co., Ltd. Mar 2007: General Manager, Strategy Headquarters, Credit Saison Mar 2010: Senior Managing Director, Credit Saison Mar 2011: Representative Director, Senior Managing Director, Credit Saison Mar 2012: General Manager, Credit Business Division, Credit Saison Mar 2016: Representative Director, Executive Vice President, Credit Saison Mar 2020: Representative Director, Executive Vice President and Executive Officer, CHO, Credit Saison (current) Jun 2023: Chairman and Director, Saison Asset Management Co., Ltd. (current) Jun 2023: Outside Director, Broadmind Co., Ltd. (current) Jul 2023: Outside Director, the Company Jun 2024: Director, the Company (current)
1950-08-05
Yoriyuki KUSAKI
Director
Apr 1980: Joined Daiwa Securities Co., Ltd. May 2004: Executive Officer, Daiwa SB Capital Markets Co., Ltd. Apr 2007: Managing Executive Officer, Daiwa SB Capital Markets Co., Ltd. Apr 2009: Senior Managing Director, Head of Sales, Daiwa Securities Co., Ltd. Apr 2012: Representative Director, Vice President, Head of Sales, Daiwa Securities Co., Ltd.; Executive Vice President, Daiwa Securities Group Inc. (in charge of retail division) Apr 2016: Representative Director, President, Daiwa Institute of Research Holdings Ltd., Daiwa Institute of Research Ltd., and Daiwa Institute of Research Business Innovation Ltd.; Executive Vice President, Daiwa Securities Group Inc. (in charge of think tank) Apr 2020: Adviser, Daiwa Institute of Research Holdings Ltd. (now Daiwa Institute of Research Ltd.) Jun 2020: Outside Director, the Company (current)
1958-03-31
Yukio YAMAMOTO
Director
Apr 1977: Joined Mitsui Life Insurance Co., Ltd. (now Taiju Life Insurance Company Limited) Apr 2004: Executive Officer, General Manager, General Affairs and Personnel Division, Mitsui Life Insurance Apr 2006: Managing Executive Officer, Mitsui Life Insurance Jun 2008: Director, Managing Executive Officer, Mitsui Life Insurance Jul 2008: Director, Japan Financial Planners Association (NPO) Apr 2009: Representative Director, President and Executive Officer, Mitsui Life Insurance Jun 2013: Special Adviser, Mitsui Life Insurance Jun 2014: Outside Director, Sanki Engineering Co., Ltd. Jul 2014: Managing Director, Japan Financial Planners Association (NPO) Apr 2015: Adviser, Mitsui Life Insurance Jul 2016: Senior Managing Director, Japan Financial Planners Association (NPO) Jun 2020: Outside Director, Chairman of the Board, Sanki Engineering Co., Ltd. Jun 2023: Outside Director, the Company (current)
1953-06-03
Masashi IWAKIGAWA
Director
Apr 1982: Joined Nikko Securities Co., Ltd. (now SMBC Nikko Securities Inc.) Dec 1998: General Manager, Business Planning Department, Nikko Securities Mar 2001: General Manager, Product Planning Department, Nikko Securities Mar 2002: Executive Officer, Co-head of Product Division, Nikko Securities Feb 2005: Managing Director, Nikko Securities Feb 2006: Senior Managing Director, Nikko Securities Feb 2007: Senior Managing Director, Nikko Cordial Securities Inc. (now SMBC Nikko Securities Inc.) Apr 2015: Representative Director, Vice President, SMBC Nikko Securities Inc. Mar 2018: Vice President, Executive Officer, SMBC Nikko Securities Inc. Jun 2019: Representative Director, Vice President, Executive Officer, SMBC Nikko Securities Inc. Mar 2020: Adviser, SMBC Nikko Securities Inc. Aug 2020: Executive Officer, Hulex Co., Ltd. Oct 2021: Adviser, Hulex Co., Ltd. (current) Apr 2022: Outside Director, Audit and Supervisory Committee Member, Proclea Holdings Inc. (current) Jun 2025: Outside Director, the Company (current)
1959-05-26
Yoichi NAMEKATA
Director, Audit and Supervisory Committee Member
Apr 1996: Registered as attorney Aug 1999: Joined Merrill Lynch Japan Securities Co., Ltd. (now BofA Securities Japan Co., Ltd.) May 2003: Joined Financial Services Agency Jan 2008: Joined Tokyo Aoyama Aoki Komatsu Law Office Aug 2009: Joined Breakmoore Law Office Aug 2013: Representative Attorney, Namekata International Law Office (current) Jun 2018: Outside Audit & Supervisory Board Member, the Company Mar 2019: Outside Audit & Supervisory Board Member, LINE Corporation (now A Holdings Corporation) Jun 2019: Outside Director, Audit and Supervisory Committee Member, the Company (current) Mar 2020: Outside Audit & Supervisory Board Member, LINE Pay Corporation Feb 2021: Outside Audit & Supervisory Board Member, LINE Corporation
1969-03-21
Motoko SUZUKI
Director, Audit and Supervisory Committee Member
Apr 1985: Joined Mizuguchi Accounting Office Jul 1990: Registered as Certified Tax Accountant, Japan Federation of Certified Tax Accountants' Associations Apr 1995: Established Motoko Suzuki Tax Accountant Office (current) Jun 2025: Outside Director, Audit and Supervisory Committee Member, the Company (current)
1960-04-12
Yukiko SAWA
Director, Audit and Supervisory Committee Member
Apr 1988: Joined Mitsubishi Bank, Ltd. (now MUFG Bank, Ltd.) Sep 1988: Information Development Department, Mitsubishi Bank Sep 1997: Associate/Vice President, Investment Banking Department, Merrill Lynch Japan Securities Co., Ltd. (now BofA Securities Japan Co., Ltd.) Jul 2002: Executive Director, Investment Banking Department, J.P. Morgan Securities Japan Co., Ltd. Mar 2012: Senior Manager, Corporate Strategy Department, Ajinomoto Co., Inc. Jul 2017: Executive Officer, Deputy General Manager, Corporate Strategy Department, Ajinomoto Co., Inc. Jun 2021: Director, CFO, KORTUC Co., Ltd. Apr 2024: Executive Officer, Deputy General Manager, Investment Advisory Department, Sumitomo Corporation Jun 2025: Outside Director, Shibaura Mechatronics Corporation (current) Jun 2025: Outside Director, Audit and Supervisory Committee Member, the Company (current)
1964-12-14
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Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-10
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-07-08
Large Shareholding Report
EDINET
2026-06-17
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-04-24
中期経営計画
TDnet
2026-02-12
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-21
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-08-22
Large Shareholding Report
TDnet
2025-08-07
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-24
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-06
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-22
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINETAmended
2024-08-09
Amended Securities Registration Statement
TDnet
2024-08-08
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-08-08
Securities Registration Statement
EDINET
2024-06-26
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-05-15
Large Shareholding Report
EDINET
2024-02-09
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2024-02-08
Large Shareholding Report
EDINET
2023-11-22
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-10-04
Large Shareholding Report
EDINET
2023-08-24
Large Shareholding Report
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-29
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINETAmended
2023-06-14
Amended Annual Securities Report
Period: Apr 2021 – Mar 2022
EDINET
2023-05-26
Large Shareholding Report
EDINET
2023-02-09
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-22
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
EDINET
2022-06-29
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
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