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Overview

Banks

Okinawa Financial Group,Inc.

Okinawa Financial Group is a bank holding company headquartered in Okinawa, Japan, providing comprehensive financial services centered on banking through its core subsidiary, Bank of Okinawa. The Group offers a full range of services including deposit-taking, lending, domestic and foreign exchange, leasing, securities brokerage, credit card services, credit guarantees, and consulting. Its mission is to contribute to the sustainable development of the Okinawa regional economy through deep community engagement and locally focused financial solutions.

Market Cap

¥145B

US$922M

¥—B

Stock¥6,770▼-2.31%

US$1 = ¥156.80 (2026-10-23)

ROE

7.5%

* LTM NI / end-of-period equity

PBR

0.9

Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+56.9%pt

Oct 24, 25 – Oct 23, 26StockTOPIX

1Nov 11, 25Rise on strong interim earnings

2Mar 4, 26Profit-taking before earnings

3Mar 5, 26Strong earnings performance evaluation

AI Briefing

Generating insights…

Performance & Balance

Revenue 5Y (¥B)

Net Income 5Y (¥B)

Capital Structure

100%

EquityD/E 0.00xDebt

Liquidity vs Debt 5Y (¥B)▲ Net Cash

CashInv. Sec.Debt

Shareholders

Top 10 hold 34.8%

as of 2026-03-31 · Source: Annual Securities Report

The Master Trust Bank of Japan, Ltd. (Trust Account)

9.67%

Custody Bank of Japan, Ltd. (Trust Account)

4.41%

Okinawa Financial Group,Inc. Employee Stock Ownership Association

3.66%

Okinawa Land & Housing Co., Ltd.

3.24%

The Okinawa Electric Power Company,Incorporated

2.70%

Sumitomo Life Insurance Company

2.57%

Nippon Life Insurance Company

2.50%

STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)

2.18%

Master Trust Bank of Japan, Ltd. (Stock Grant ESOP Trust Account No. 80170)

2.03%

Nomura Trust and Banking Co., Ltd. (Trust Account 2052292)

1.86%

Management

7 officers

Masayasu YAMASHIRO

Representative Director, President

Apr 1982 Joined Okinawa Bank Jun 2010 General Manager, Credit Examination Department, Okinawa Bank Jun 2012 Executive Officer, General Manager, Sales Coordination Department, Okinawa Bank Jun 2013 Director, General Manager, General Planning Headquarters, Okinawa Bank Jun 2014 Managing Director, Okinawa Bank Jun 2018 Representative Director, President, Okinawa Bank Oct 2021 Representative Director, President, the Company Jun 2023 Representative Director, Chairman and President, Okinawa Bank Jun 2023 Representative Director, Chairman and President, the Company Apr 2024 Representative Director, President, Okinawa Bank (current) Apr 2024 Representative Director, President, the Company (current)

1959-09-23

Ken GANAHA

Representative Director, Senior Managing Director

Apr 1991 Joined Okinawa Bank Jun 2017 General Manager, Human Resources Department, Okinawa Bank Jun 2019 General Manager, Loan Coordination Department, Okinawa Bank Apr 2020 General Manager, Credit Examination Department, Okinawa Bank Jun 2020 Executive Officer, General Manager, Credit Examination Department, Okinawa Bank Jun 2023 Executive Officer, General Manager, General Planning Department, Okinawa Bank Apr 2024 Managing Director, Okinawa Bank Apr 2024 Managing Executive Officer, the Company (current) Apr 2026 Representative Director, Senior Managing Director, Okinawa Bank (current) Jun 2026 Representative Director, Senior Managing Director, the Company (scheduled to assume office)

1966-12-16

Yutaka SAKIMA

Director, Audit and Supervisory Committee Member

Apr 1988 Joined Okinawa Bank Apr 2009 Branch Manager, Nishizaki Branch, Okinawa Bank Jun 2016 General Manager, Internal Audit Department, Okinawa Bank Jun 2018 Executive Officer, General Manager, General Planning Department, Okinawa Bank Jun 2021 Managing Director, Okinawa Bank Oct 2021 Managing Executive Officer, the Company Apr 2024 Full-time Audit & Supervisory Board Member, Okinawa Bank (current) Jun 2024 Director, Audit and Supervisory Committee Member, the Company (current)

1963-10-31

Kenji SUGIMOTO

Director, Audit and Supervisory Committee Member

Apr 1983 Joined Japan Travel Bureau Foundation (now JTB Corp.) Apr 2004 Team Manager, Product Planning and Development Team, Product Planning Department, JTB World Vacations Inc. Apr 2014 Director, Kyoto Branch Manager, JTB World Vacations Inc. Apr 2016 Representative Director, President, JTB Okinawa Inc. Apr 2019 Representative Director, President and Executive Officer, JTB Okinawa Inc. Jun 2022 Director, Audit and Supervisory Committee Member, the Company (current) Jun 2023 Full-time Advisor, Okinawa Churashima Foundation Jun 2024 Managing Director, Okinawa Churashima Foundation (current) Sep 2024 Vice President, Director, Green Wind Co., Ltd. (current)

1960-12-14

Takako YAMASHIRO

Director

Jun 1986 Joined Hanwa Co., Ltd. Apr 1991 Joined Okinawa Prefectural Government Apr 2013 Director, Peace and Gender Equality Division, Culture and Environment Department, Okinawa Prefectural Government Apr 2014 Director, Disability Welfare Division, Welfare Department, Okinawa Prefectural Government Apr 2016 Director, Manufacturing Promotion Division, Commerce and Labor Department, Okinawa Prefectural Government Apr 2017 Chief Coordinator, Culture and Sports Division, Culture, Tourism and Sports Department, Okinawa Prefectural Government Apr 2020 Secretary General, Okinawa Prefectural Labor Relations Commission Apr 2022 Secretary General, Okinawa Prefectural Assembly Sep 2024 Auditor, University of the Ryukyus (current) Jun 2025 Director, the Company (current)

1963-04-21

Naoko MURAKAMI

Director, Audit and Supervisory Committee Member

Apr 1988 Joined Nishi-Nippon Bank, Ltd. Mar 1991 Joined Tohmatsu & Co. (Deloitte Touche Tohmatsu) Oct 2001 Registered as Attorney-at-law, Okinawa Bar Association Apr 2005 Established Kokoro Law Office Apr 2020 President, Okinawa Bar Association Jun 2020 Part-time Audit & Supervisory Board Member, Okinawa Bank Jun 2022 Director, the Company Apr 2023 Director, Okinawa Regional Office, Japan Legal Support Center (current) Jun 2025 Director, Audit and Supervisory Committee Member, the Company (current)

1965-03-10

Seiko NOZAKI

Director, Audit and Supervisory Committee Member

Oct 2002 Registered with Daini Tokyo Bar Association Oct 2002 Joined Mori Hamada & Matsumoto Aug 2006 Registered with Okinawa Bar Association Sep 2006 Joined Miyazaki Law Office (now Naha Sogo Law Office) Jan 2013 Established Umuyasu Law and Accounting Office (current) May 2015 Outside Director, San-A Co., Ltd. (current) Jun 2019 Outside Director, Okinawa Electric Power Company, Incorporated (current) Apr 2024 President, Okinawa Bar Association Jun 2025 Outside Audit & Supervisory Board Member, Shuri Soap Co., Ltd. (current) Jun 2025 Director, Audit and Supervisory Committee Member, the Company (current)

1974-02-25

Large Shareholding Reports