Overview
Banks

The Hyakugo Bank,Ltd.

Hyakugo Bank is a regional bank headquartered in Tsu City, Mie Prefecture, operating a network of 110 branches primarily across Mie Prefecture and surrounding regions. The Bank provides a full range of banking services including deposit-taking, lending, domestic and foreign exchange, as well as investment trust and insurance sales, with active advisory in business succession and structured finance. Through 11 consolidated subsidiaries, the Group also offers leasing, securities brokerage, credit card, research and consulting, and IT services.

Market Cap
¥486B
US$3.10B
EV
¥—B
Stock¥2,014▼-3.59%
US$1 = ¥157.05 (2026-10-22)
ROE
5.9%
* LTM NI / end-of-period equity
PBR
0.9
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+93.5%pt
100123
Oct 23, 25 – Oct 23, 26StockTOPIX
1Jan 19, 26Ariake Capital, Inc. filed large shareholding report
2Feb 27, 26Earnings release, dividend increase
3May 13, 26Ariake Capital, Inc. changed stake (5.06%→5.94%)
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Generating insights…
Performance & Balance
Revenue 5Y (¥B)
98.7US$628M'22/3103US$655M'23/3119US$761M'24/3124US$793M'25/3162US$1.03B'26/3
Net Income 5Y (¥B)
13.4US$85.3M'22/314.5US$92.3M'23/314.3US$90.9M'24/318.0US$115M'25/326.8US$171M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
1,869US$11.9B'22/31,348US$8.59B'23/31,408US$8.97B'24/3663US$4.22B'25/3656US$4.17B'26/3
Shareholders
Top 10 hold 32.8%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
9.98%
2
GOLDMAN SACHS INTERNATIONAL (Standing Proxy: Goldman Sachs Japan Co., Ltd.)
5.05%
3
Meiji Yasuda Life Insurance Company
4.15%
4
Custody Bank of Japan, Ltd. (Trust Account)
3.57%
5
Nippon Life Insurance Company
3.45%
6
The Hyakugo Bank,Ltd. Employee Stock Ownership Association
1.92%
7
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.32%
8
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
1.20%
9
Sompo Japan Insurance Inc.
1.08%
10
STATE STREET BANK AND TRUST COMPANY 505103 (Standing Proxy: Mizuho Bank, Ltd.)
1.05%
Management
16 officers
Kei YAMASAKI
Director, Chairman of the Board
Apr 1984 Joined The Hyakugo Bank, Ltd. Jun 2013 General Manager, International Business Department Jun 2017 Director, General Manager, International Business Department Jun 2018 Executive Officer, General Manager, Chukei Regional Office Jun 2020 Director, Managing Executive Officer Jun 2022 Director, Senior Managing Executive Officer, General Manager, Secretariat Office Apr 2025 Director, Senior Managing Executive Officer, General Manager, Asset Management Division and Secretariat Office Jun 2025 Director, Chairman of the Board (current)
1962-03-02
Masakazu SUGIURA
Representative Director, President
Apr 1980 Joined The Hyakugo Bank, Ltd. Jun 2007 General Manager, Corporate Planning Department Jun 2009 Director, General Manager, Corporate Planning Department Apr 2010 Director, General Manager, Minami-Ise Regional Office Jun 2012 Director, General Manager, Securities and Funding Department Jun 2013 Managing Director, General Manager, Aichi Regional Office Jun 2014 Managing Director Jun 2015 Managing Director, General Manager, General Affairs Division and Secretariat Office Apr 2016 Managing Director, General Manager, Sales Division Jun 2017 Senior Managing Director, General Manager, Sales Division Jun 2018 Director, Senior Managing Executive Officer, General Manager, Sales Division Jun 2019 Director, Senior Managing Executive Officer, General Manager, Asset Management Division and Secretariat Office Jan 2020 Director, Senior Managing Executive Officer, General Manager, Secretariat Office Jun 2020 Director, Senior Managing Executive Officer, General Manager, Asset Management Division and Secretariat Office Jun 2021 Director, Senior Managing Executive Officer, General Manager, Secretariat Office Jun 2022 Director, President (current)
1957-01-31
Tetsuya KATO
Representative Director, Director, Senior Managing Executive Officer, General Manager, Asset Management Division and Secretariat Office
Apr 1988 Joined The Hyakugo Bank, Ltd. Jun 2018 General Manager, Ise Branch Jun 2020 Executive Officer, Deputy General Manager, Sales Division Jun 2021 Director, Managing Executive Officer, General Manager, General Affairs Division Apr 2022 Director, Managing Executive Officer Jun 2025 Director, Senior Managing Executive Officer, General Manager, Asset Management Division and Secretariat Office (current)
1965-09-29
Yasuhiro URATA
Representative Director, Director, Senior Managing Executive Officer
Apr 1991 Joined The Hyakugo Bank, Ltd. Jun 2019 General Manager, Corporate Planning Department Jun 2021 Executive Officer, General Manager, Corporate Planning Department Jun 2022 Executive Officer, General Manager, Securities and Funding Department Jun 2023 Director, Managing Executive Officer Jun 2025 Director, Senior Managing Executive Officer (current)
1968-10-12
Yasuhisa IGARASHI
Director, Managing Executive Officer
Apr 1992 Joined The Hyakugo Bank, Ltd. Jun 2021 General Manager, Human Resources Department Jun 2022 Executive Officer, General Manager, Human Resources Department Jun 2023 Executive Officer, General Manager, Chukei Regional Office and General Manager, Head Office Sales Department Jun 2024 Executive Officer, General Manager, Chukei Regional Office Jun 2025 Director, Managing Executive Officer (current)
1968-12-21
Koji KAWAKAMI
Director, Managing Executive Officer, General Manager, Sales Division
Apr 1992 Joined The Hyakugo Bank, Ltd. Jun 2020 General Manager, Ise Branch Sep 2021 General Manager, Ise Branch and General Manager, Shindo Branch Jun 2022 Executive Officer, General Manager, Kita-Ise Regional Office Jun 2024 Executive Officer, General Manager, Minami-Ise Regional Office Jun 2025 Director, Managing Executive Officer, General Manager, Sales Division (current)
1968-09-28
Hisashi KAWAKITA
Director
Apr 1969 Joined Toyota Motor Sales Co., Ltd. (now Toyota Motor Corporation) Jul 1978 Joined Mie Toyopet Co., Ltd. Jun 1980 Director, Mie Toyopet Co., Ltd. Jun 1981 Managing Director, Mie Toyopet Co., Ltd. Jun 1984 Representative Director, President, Mie Toyopet Co., Ltd. Jun 2007 Audit and Supervisory Board Member, The Hyakugo Bank, Ltd. Jun 2014 Representative Director, President, Chitose Co., Ltd. Jun 2015 Director, The Hyakugo Bank, Ltd. (current) Jun 2019 Representative Director, Chairman, Mie Toyopet Co., Ltd. (current) Feb 2023 Representative Director, President, Evergreen Holdings Co., Ltd. Jun 2025 Representative Director, Chairman, Evergreen Holdings Co., Ltd. (current)
1946-08-30
Keiko NISHIOKA
Director
May 1980 Secretary and interpreter, SEDCO INC. (now SCHLUMBERGER LTD.) and CHEVRON U.S.A. Japan offices Aug 1986 Started freelance conference and business negotiation interpreting Dec 1996 Joined Hikari Kikai Seisakusho Co., Ltd. May 2001 Representative Director, President, Hikari Kikai Seisakusho Co., Ltd. (current) Jun 2015 Outside Director, Imuraya Group Co., Ltd. Jan 2020 Visiting Professor, Nagoya Institute of Technology (current) Jun 2020 Director, The Hyakugo Bank, Ltd. (current) Apr 2021 Vice President and Trustee, Mie University (current)
1957-02-16
Hitoshi ANDO
Director
Apr 1981 Joined Yokkaichi Soko Co., Ltd. (now Nippon Trans-City Co., Ltd.) Jun 2013 Director, Nippon Trans-City Co., Ltd. Jun 2017 Managing Executive Officer, Nippon Trans-City Co., Ltd. Jun 2019 Representative Director, President, Executive Officer, Nippon Trans-City Co., Ltd. (current) Jun 2025 Director, The Hyakugo Bank, Ltd. (current)
1958-12-07
Takashi NAKAGAWA
Full-time Audit and Supervisory Board Member
Apr 1990 Joined The Hyakugo Bank, Ltd. Jun 2018 General Manager, Risk Management Division Jun 2020 Full-time Audit and Supervisory Board Member (current)
1965-04-04
Masato URADE
Full-time Audit and Supervisory Board Member
Apr 1990 Joined The Hyakugo Bank, Ltd. Jun 2019 General Manager, Yokkaichi Branch Apr 2020 General Manager, Yokkaichi Branch and General Manager, Yokkaichi-Ekimae Branch Jun 2021 Executive Officer, General Manager, Aichi Regional Office Jun 2023 Executive Officer, General Manager, Minami-Ise Regional Office Jun 2024 Full-time Audit and Supervisory Board Member (current)
1967-04-17
Shinji TSURUOKA
Audit and Supervisory Board Member
Apr 2000 Professor, Faculty of Engineering, Mie University (now National University Corporation Mie University) Apr 2005 General Manager, Practical Education Division, Common Education Center, Mie University Apr 2007 Assistant to the President, Mie University Apr 2009 Dean, Graduate School of Regional Innovation Studies, Mie University Apr 2015 Trustee and Vice President, Mie University Apr 2019 Vice President, Mie University Apr 2019 Professor, Graduate School of Engineering, Mie University Jun 2019 Audit and Supervisory Board Member, The Hyakugo Bank, Ltd. (current) Apr 2020 Specially Appointed Professor, Department of Medical Engineering and Medical Information Engineering, Faculty of Medical Engineering, Suzuka University of Medical Science Apr 2020 Advisor to the President, Mie University Apr 2021 Head of Department and Specially Appointed Professor, Department of Medical and Health Data Science, Faculty of Medical Engineering, Suzuka University of Medical Science (current) Apr 2026 Dean, Faculty of Medical Engineering, Suzuka University of Medical Science (current)
1954-11-10
Masahiro NAKAMURA
Audit and Supervisory Board Member
Apr 1983 Joined The Mitsubishi Bank, Ltd. (now MUFG Bank, Ltd.) Jun 2009 Executive Officer, General Manager, Planning Department, The Bank of Tokyo-Mitsubishi UFJ, Ltd. (now MUFG Bank, Ltd.) Jun 2009 Executive Officer, General Manager, Corporate Planning Department, Mitsubishi UFJ Financial Group, Inc. May 2011 Executive Officer, General Manager, Retail Planning Department, The Bank of Tokyo-Mitsubishi UFJ, Ltd. May 2011 Executive Officer, General Manager, Retail Planning Department, Mitsubishi UFJ Financial Group, Inc. May 2013 Managing Executive Officer, Deputy Head of Corporate Services, The Bank of Tokyo-Mitsubishi UFJ, Ltd. May 2013 Executive Officer, Deputy in charge of Administration and Systems Planning, Mitsubishi UFJ Financial Group, Inc. Jun 2015 Vice President and Representative Director, Mitsubishi UFJ Research & Consulting Co., Ltd. Jun 2016 Outside Audit and Supervisory Board Member, The Nanto Bank, Ltd. May 2020 Representative Director, President, Marunouchi Yorozu Co., Ltd. Jun 2025 Audit and Supervisory Board Member, The Hyakugo Bank, Ltd. (current) Jun 2025 Special Advisor, Marunouchi Yorozu Co., Ltd. (current) Jun 2026 Scheduled to assume office as Outside Director, Dai Nippon Toryo Co., Ltd.
1959-08-29
Keiko HIROTA
Director
Apr 1980 Joined Mie Prefectural Government Apr 2014 Director-General, Employment and Economy Department, Mie Prefectural Government Apr 2017 Superintendent of Education, Mie Prefectural Board of Education Apr 2020 Vice Governor, Mie Prefectural Government Jun 2024 Director, The Hyakugo Bank, Ltd. (current) Jun 2024 Outside Director, Imuraya Group Co., Ltd. (current)
1958-03-30
Toshiya WATANABE
Director
Apr 1993 Joined Meiji Life Insurance Company (now Meiji Yasuda Life Insurance Company) Apr 2020 General Manager, Planning Department, Meiji Yasuda Life Insurance Company Apr 2022 Executive Officer, General Manager, Planning Department, Meiji Yasuda Life Insurance Company Apr 2024 Managing Executive Officer, Meiji Yasuda Life Insurance Company Apr 2026 Managing Executive Officer, Meiji Yasuda Life Insurance Company (current) Jun 2026 Scheduled to assume office as Director, The Hyakugo Bank, Ltd.
1969-05-03
Ikuko KAWABATA
Audit and Supervisory Board Member
Apr 1998 Appointed Public Prosecutor Aug 2010 Registered as Attorney, Mie Bar Association Aug 2010 Representative Attorney, Kawabata Law Office (current) Jun 2019 Audit and Supervisory Board Member, The Hyakugo Bank, Ltd. (current)
1971-07-07
Large Shareholding Reports
Ariake Capital Co., Ltd.
2026-05-13
5.06%→5.94%
Ariake Capital Co., Ltd.
2026-01-19
5.06%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-31
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-19
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-05-13
Large Shareholding Report
EDINET
2026-05-12
中期経営計画
TDnet
2026-02-03
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2026-01-19
Large Shareholding Report
EDINET
2025-11-20
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-07-31
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-20
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-04
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-21
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-02
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-21
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-06
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-20
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-02
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-22
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-07
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-21
Quarterly Securities Report
EDINET
2022-08-02
Quarterly Securities Report
EDINET
2022-06-24
Annual Securities Report
EDINET
2022-02-04
Quarterly Securities Report
EDINET
2021-11-19
Quarterly Securities Report
EDINET
2021-08-04
Quarterly Securities Report
EDINET
2021-06-24
Annual Securities Report
EDINET
2021-02-04
Quarterly Securities Report
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