Overview
Banks

Procrea Holdings,Inc.

Procrea Holdings is a regional financial holding company headquartered in Aomori Prefecture, Japan, operating primarily through its core banking subsidiary, Aomori Michinoku Bank (formed by the merger of Aomori Bank and Michinoku Bank on January 1, 2025). The group provides a comprehensive range of financial services including deposit-taking, lending, domestic and foreign exchange, and investment services through its banking network, complemented by leasing, credit card, credit guarantee, consulting, and debt collection businesses. The group focuses on serving the local economy of the Aomori region and surrounding areas, leveraging its integrated financial platform to support regional revitalization.

Market Cap
¥109B
US$695M
EV
¥—B
Stock¥3,850▼-1.79%
US$1 = ¥156.80 (2026-10-23)
ROE
2.4%
* LTM NI / end-of-period equity
PBR
0.6
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+105.7%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
85.4US$545M'23/376.8US$490M'24/384.7US$540M'25/395.3US$608M'26/3
Net Income 5Y (¥B)
49.0US$312M'23/32.82US$18.0M'24/31.23US$7.83M'25/33.78US$24.1M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
1,119US$7.13B'23/31,201US$7.66B'24/31,480US$9.44B'25/31,151US$7.34B'26/3
Shareholders
Top 10 hold 28.7%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
13.11%
2
Custody Bank of Japan, Ltd. (Trust Account)
3.75%
3
Stock Ownership Association
2.13%
4
Kei TAKAHASHI
1.81%
5
Meiji Yasuda Life Insurance Company
1.68%
6
Nippon Life Insurance Company
1.67%
7
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.32%
8
Sumitomo Life Insurance Company
1.18%
9
Jumonji Chicken Company Ltd.
1.11%
10
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
0.99%
Management
14 officers
Shin NARITA
Director, Chairman of the Board
Apr 1978 Joined Aomori Bank, Ltd. Jun 2007 General Manager, Corporate Banking Department, Aomori Bank Jun 2008 Executive Officer, General Manager, Credit Screening Department, Aomori Bank Jun 2010 Executive Officer, Hirosaki Branch Manager, Aomori Bank Apr 2011 Executive Officer, Hirosaki Regional Supervisor, Aomori Bank Jun 2011 Managing Director, Aomori Bank Jun 2014 Senior Managing Director, Aomori Bank Apr 2015 Director, President, Aomori Bank Apr 2022 Director, President, the Company (current) Jun 2023 Director, Chairman, Aomori Bank Jun 2026 Director, Chairman, the Company (scheduled)
1954-09-27
Keitaro ISHIKAWA
Representative Director, President
Apr 1984 Joined Aomori Bank, Ltd. Apr 2010 General Manager, Human Resources Department, Aomori Bank Apr 2011 General Manager, General Planning Department, Aomori Bank Jun 2013 General Manager, Head Office Sales Department, Aomori Bank Jun 2014 Executive Officer, General Manager, Head Office Sales Department, Aomori Bank Jun 2015 Executive Officer, General Manager, Sales Management Department, Aomori Bank Jun 2016 Director, General Manager, Regional Sales Headquarters (in charge of Hirosaki Region), Aomori Bank Jun 2018 Managing Executive Officer, General Manager, Hirosaki Regional Sales Headquarters, Aomori Bank Jun 2019 Director, Managing Executive Officer, Aomori Bank Jun 2021 Director, Senior Managing Executive Officer, Aomori Bank Apr 2022 Director, the Company Jun 2022 Deputy President, Aomori Bank Jun 2023 Director, President, Aomori Bank Jun 2023 Vice President, the Company (current) Jan 2025 Director, President, Aomori Michinoku Bank, Ltd. (current) Jun 2026 Representative Director, President, the Company (scheduled)
1961-04-26
Takayuki FUJISAWA
Representative Director, Vice President
Apr 1990 Joined Michinoku Bank, Ltd. Apr 2007 General Manager, Management Planning Department, Michinoku Bank Apr 2010 Furukawa Branch Manager, Michinoku Bank Apr 2012 General Manager, Human Resources Department, Michinoku Bank Apr 2015 Executive Officer, General Manager, Sales Headquarters and Sales Strategy Department, Michinoku Bank Jun 2016 Managing Executive Officer, General Manager, Sales Headquarters and Sales Strategy Department, Michinoku Bank Apr 2017 Senior Managing Executive Officer, General Manager, Sales Headquarters, Michinoku Bank Jun 2018 Director, President, Michinoku Bank Apr 2022 Vice President, the Company (current) Jan 2025 Director, Chairman, Aomori Michinoku Bank, Ltd. (current)
1966-08-26
Yo MORI
Director
Apr 1986 Joined Aomori Bank, Ltd. Jul 2009 Namidatedori Branch Manager, Aomori Bank Apr 2011 Misawa Branch Manager, Aomori Bank Jun 2013 General Manager, Human Resources Department, Aomori Bank Jun 2015 General Manager, Head Office Sales Department, Aomori Bank Jun 2017 Executive Officer, General Manager, Head Office Sales Department, Aomori Bank Jun 2019 Managing Executive Officer, General Manager, Aomori Regional Sales Headquarters, Aomori Bank Apr 2022 Director, the Company (current) Jun 2022 Senior Managing Executive Officer, General Manager, Aomori Regional Sales Headquarters, Aomori Bank Oct 2023 Director, Senior Managing Executive Officer, Aomori Bank Jan 2025 Director, Senior Managing Executive Officer, Aomori Michinoku Bank, Ltd. Jun 2025 Director, Senior Managing Executive Officer, General Manager, Sales Headquarters, Aomori Michinoku Bank (current) (scheduled retirement) Jun 2026 President, Aomori Sosei Partners Co., Ltd. (scheduled)
1963-12-06
Motoo SHIRATORI
Director
Apr 1989 Joined Aomori Bank, Ltd. Apr 2010 Ominato Branch Manager, Aomori Bank Oct 2012 Sendai Branch Manager, Aomori Bank Jun 2015 General Manager, Corporate Sales Department, Aomori Bank Jul 2017 Hirosaki Branch Manager, Aomori Bank Jun 2019 Executive Officer, General Manager, Head Office Sales Department, Aomori Bank Apr 2022 Director, the Company (current) Apr 2022 Managing Executive Officer, Aomori Bank Jun 2024 Senior Managing Executive Officer, Aomori Bank Jan 2025 Senior Managing Executive Officer, Aomori Michinoku Bank, Ltd. (current)
1967-01-01
Shinji SUDO
Director
Apr 1992 Joined Michinoku Bank, Ltd. Mar 2008 General Manager, Sales Management Department, Michinoku Bank Apr 2008 General Manager, Sales Development Department, Michinoku Bank Apr 2012 Furukawa Branch Manager, Michinoku Bank Apr 2015 General Manager, Management Planning Department, Michinoku Bank Apr 2017 Executive Officer, General Manager, Management Planning Department, Michinoku Bank Apr 2018 Managing Executive Officer, Michinoku Bank Apr 2019 Senior Managing Executive Officer, Michinoku Bank Apr 2022 Director, the Company (current) Jun 2022 Senior Managing Executive Officer, Michinoku Bank Jan 2025 Senior Managing Executive Officer, Aomori Michinoku Bank, Ltd. (current)
1969-07-30
Susumu KIDACHI
Director
Apr 1989 Joined Aomori Bank, Ltd. Jun 2012 Matsumori-machi Branch Manager, Aomori Bank Apr 2015 Towada Branch Manager, Aomori Bank Jun 2017 General Manager, General Planning Department, Aomori Bank Jun 2019 Executive Officer, General Manager, General Planning Department, Aomori Bank Apr 2022 General Manager, Management Planning Department, the Company Jun 2023 Managing Executive Officer, Aomori Bank Jan 2025 Managing Executive Officer, Aomori Michinoku Bank, Ltd. Jun 2025 Director, Managing Executive Officer, Aomori Michinoku Bank (current) Jun 2025 Director, the Company (current) Jun 2026 Senior Managing Director, Aomori Michinoku Bank, Ltd. (scheduled)
1967-01-02
Takuya FURUSATO
Director
Apr 1992 Joined Michinoku Bank, Ltd. Apr 2016 Konakano Branch Manager, Michinoku Bank Apr 2018 General Manager, Screening Department, Michinoku Bank Apr 2020 Executive Officer, General Manager, Screening Department, Michinoku Bank Apr 2021 Executive Officer, General Manager, Head Office Sales Department, Michinoku Bank Feb 2023 Executive Officer, General Manager, Aomori Central Sales Department, and Kokudo Branch Manager, Michinoku Bank Apr 2023 Executive Officer, General Manager, Hakodate Sales Department, Michinoku Bank Jun 2023 Executive Officer, General Manager, Hokkaido Regional Headquarters, and General Manager, Hakodate Sales Department, Michinoku Bank Jan 2025 Executive Officer, General Manager, Hakodate Regional Sales Headquarters, and General Manager, Hakodate Sales Department, Aomori Michinoku Bank, Ltd. (current) Jun 2026 Director, Managing Executive Officer, Aomori Michinoku Bank (scheduled) Jun 2026 Director, the Company (scheduled)
1969-04-07
Katsunori MIKUNIYA
Director (Outside)
Apr 1974 Joined Ministry of Finance Jul 1979 Director, Sanjo Tax Office Jun 1981 Director, Economic Affairs Division, Agriculture and Forestry Department, Aomori Prefectural Government Apr 1982 Director, Finance Division, General Affairs Department, Aomori Prefectural Government Jul 1997 Director, Corporate Finance Division, Securities Bureau, Ministry of Finance Jul 2002 Deputy Commissioner, General Planning Bureau, Financial Services Agency Jul 2004 Chief Deputy Commissioner, Financial Services Agency Aug 2005 Commissioner, General Planning Bureau, Financial Services Agency Jul 2008 Commissioner, Supervisory Bureau, Financial Services Agency Jul 2009 Commissioner, Financial Services Agency Oct 2011 Advisor, Nitori Holdings Co., Ltd. Apr 2012 Professor, Policy Vision Research Center, The University of Tokyo Mar 2015 Governor, Deposit Insurance Corporation of Japan Oct 2017 President, International Association of Deposit Insurers (IADI) Apr 2021 Advisor, Open House Group Co., Ltd. Apr 2022 Director (Outside), the Company (current) Jun 2023 Part-time Trustee, Tokyo Keizai University (current) Jun 2024 Counselor, Director, Shinkin Central Bank (current)
1951-04-25
Ken KATANO
Director (Outside)
Apr 1988 Joined Dai-Ichi Kangyo Bank, Ltd. (now Mizuho Bank, Ltd.) Apr 2016 General Manager, IT and Systems Division No. 1, Mizuho Bank Apr 2017 Co-General Manager, IT and Systems Division, Mizuho Financial Group, Inc. Apr 2019 Executive Officer, General Manager, IT and Systems Division No. 1, Mizuho Bank Apr 2020 Managing Executive Officer, Deputy Group Head, IT and Systems Group, Mizuho Financial Group, Inc. Apr 2020 Managing Executive Officer, Deputy Group Head, IT and Systems Group, Mizuho Bank Oct 2022 Audit & Supervisory Board Member, Mizuho Research & Technologies, Ltd. Apr 2024 Managing Executive Officer, Deputy Group Head, IT and Systems Group, Orient Corporation Apr 2026 Director, Deputy President, Executive Officer, Orico Product Finance Co., Ltd. (current) Jun 2026 Director (Outside), the Company (scheduled)
1963-04-30
Kazuhiro MORIYAMA
Director, Audit and Supervisory Committee Member
Apr 1990 Joined Aomori Bank, Ltd. Apr 2014 Kankodori Branch Manager, Aomori Bank Apr 2016 Legal & Compliance Office Manager and Deputy General Manager, Risk Management Department, Aomori Bank Jun 2017 General Manager, Markets and International Department, Aomori Bank Jun 2023 Executive Officer, General Manager, Markets and International Department, Aomori Bank Jun 2024 Director, Audit and Supervisory Committee Member, Aomori Bank Jan 2025 Director, Audit and Supervisory Committee Member, Aomori Michinoku Bank, Ltd. (current) Jun 2026 Director, Audit and Supervisory Committee Member, the Company (scheduled)
1968-03-19
Masashi IWAKIGAWA
Director, Audit and Supervisory Committee Member (Outside)
Apr 1982 Joined Nikko Securities Co., Ltd. Dec 1998 General Manager, Business Planning Department, Nikko Securities Mar 2001 General Manager, Product Planning Department, Nikko Securities Mar 2002 Executive Officer, Co-Head, 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 Advisor, SMBC Nikko Securities Inc. Aug 2020 Executive Officer, Hulex Co., Ltd. Oct 2021 Advisor, Hulex Co., Ltd. (current) Apr 2022 Director (Outside) Audit and Supervisory Committee Member, the Company (current) Jun 2025 Director (Outside), Suruga Bank Ltd. (current)
1959-05-26
Mie ISHIDA
Director, Audit and Supervisory Committee Member (Outside)
Sep 2008 Registered as attorney-at-law (Second Tokyo Bar Association) Sep 2008 Joined Ishida Law Office (current) Jun 2018 Director (Outside), Audit and Supervisory Committee Member, Aomori Bank, Ltd. Apr 2022 Director (Outside), Audit and Supervisory Committee Member, the Company (current) Feb 2026 Audit & Supervisory Board Member (Outside), Hokko Chemical Industry Co., Ltd. (current)
1975-04-25
Yoshiteru KAWADA
Director, Audit and Supervisory Committee Member (Outside)
Apr 1984 Joined Tohoku Nippo Co., Ltd. Apr 2001 Deputy General Manager, Political and Economic Affairs Department, Tohoku Nippo Apr 2006 General Manager, Tokyo Bureau Editorial Department, Tohoku Nippo Apr 2009 General Manager, Digital Editorial Department, Editorial Bureau, Tohoku Nippo Nov 2011 General Manager, Secretarial Department, General Affairs Bureau, Tohoku Nippo Nov 2016 Bureau Chief, Hirosaki Bureau, Tohoku Nippo Apr 2017 Member, Management Council, Hirosaki University (national university corporation) Nov 2018 Executive Officer, Editorial Bureau Chief, Tohoku Nippo Nov 2019 Representative Director, President, Tohoku Nippo Nov 2019 Director, Kyodo News (Board Member) Nov 2020 Director, Digital Bureau Chief, Tohoku Nippo Apr 2022 Part-time Lecturer, Aomori Public University (current) Jun 2025 Director (Outside), Audit and Supervisory Committee Member, the Company (current)
1959-10-07
Large Shareholding Reports
Nomura Asset Management Co., Ltd.
2026-10-22
3.09%→2.98%
Nomura Asset Management Co., Ltd.
2026-10-07
2.99%→3.09%
Nomura Asset Management Co., Ltd.
2026-07-07
2.98%→2.98%
Nomura Asset Management Co., Ltd.
2026-06-05
3.01%→2.98%
Nomura Asset Management Co., Ltd.
2026-05-12
3.01%
Nomura Asset Management Co., Ltd.
2025-08-19
2.57%→2.70%
Disclosures
No disclosures
Primary Source Filings
EDINET
2026-10-22
Large Shareholding Report
EDINET
2026-10-07
Large Shareholding Report
TDnet
2026-08-05
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-07-07
Large Shareholding Report
EDINET
2026-06-18
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-06-05
Large Shareholding Report
EDINET
2026-05-12
Large Shareholding Report
TDnet
2026-02-06
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-20
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-08-19
Large Shareholding Report
TDnet
2025-08-05
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-23
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-07
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-21
Semi-Annual Securities Report
Period: Apr 2024 – Sep 2024
TDnet
2024-08-08
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-25
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-09
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-22
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-28
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-10
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-25
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
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