Overview
Banks

The Yamanashi Chuo Bank,Ltd.

The Yamanashi Chuo Bank is a regional bank headquartered in Yamanashi Prefecture, Japan, offering core banking services including deposit-taking, lending, foreign exchange, securities brokerage, and insurance sales through its branch network. The Bank operates as the central financial institution of the region, actively supporting local economic development and community prosperity. Its group companies provide complementary financial services including credit guarantees, leasing, credit card processing, management consulting, venture capital, and investment advisory services.

Market Cap
¥185B
US$1.18B
EV
¥—B
Stock¥1,208▼-3.21%
US$1 = ¥156.80 (2026-10-23)
ROE
4.8%
* LTM NI / end-of-period equity
PBR
0.8
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+67.7%pt
10012
Oct 24, 25 – Oct 23, 26StockTOPIX
1Feb 3, 26Philippine wealthy tourism business expansion
2Apr 1, 26M&A consulting business expansion
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Performance & Balance
Revenue 5Y (¥B)
46.3US$295M'22/360.6US$386M'23/356.5US$360M'24/360.5US$386M'25/386.1US$549M'26/3
Net Income 5Y (¥B)
4.24US$27.0M'22/35.06US$32.3M'23/35.66US$36.1M'24/37.67US$48.9M'25/39.99US$63.7M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
895US$5.71B'22/3896US$5.72B'23/3695US$4.43B'24/3554US$3.54B'25/3282US$1.80B'26/3
Shareholders
Top 10 hold 34.6%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
12.18%
2
The Yamanashi Chuo Bank,Ltd. Employee Stock Ownership Association
4.24%
3
Custody Bank of Japan, Ltd. (Trust Account)
3.14%
4
Meiji Yasuda Life Insurance Company (Standing Proxy: Custody Bank of Japan, Ltd.)
3.10%
5
BBH FOR BBHTSIL NEUBERGER BERMAN INVESTMENT FUNDS PLC-NEUBERGER BERMAN JAPAN EQUITY ENGAGEMENT FUND (Standing Proxy: MUFG Bank, Ltd.)
2.30%
6
Teikyo University (School Corporation)
2.01%
7
GOLDMAN SACHS INTERNATIONAL (Standing Proxy: Goldman Sachs Japan Co., Ltd.)
2.01%
8
GOVERNMENT OF NORWAY (Standing Proxy: Citibank, N.A., Tokyo Branch)
1.98%
9
Fukoku Mutual Life Insurance Company (Standing Proxy: Custody Bank of Japan, Ltd.)
1.92%
10
Nomura Trust and Banking Co., Ltd. (Trust Account for The Yamanashi Chuo Bank,Ltd. Employee Stock Ownership Association)
1.72%
Management
14 officers
Mitsuyoshi SEKI
Representative Director, Chairman
Apr 1977 Joined the Bank Jun 1998 Chief Investigator, Sales Development Group, Sales Planning Division, Sales Headquarters Jun 1999 Manager, Mejirodai Branch Nov 2001 Deputy General Manager, Planning Section, Business Planning Dept. Oct 2002 Deputy General Manager and Manager, Planning Section, Business Planning Dept. Aug 2004 Deputy General Manager, Business Planning Dept. Jun 2005 General Manager, Sales Planning Division, Sales Headquarters Jul 2005 Executive Officer, General Manager, Sales Planning Division, Sales Headquarters Jun 2007 Director, General Manager, Risk Management Division Mar 2008 Director, General Manager, Human Resources Dept. Jun 2009 Managing Director, General Manager, Business Planning Dept. Jun 2011 Senior Managing Director Jun 2015 Representative Director, Senior Managing Director Jun 2017 Representative Director, President; in charge of Audit Jun 2023 Outside Corporate Auditor, Fujikyu Co., Ltd. Jun 2023 Representative Director, Chairman (current) Dec 2023 Representative Director, President, Yamanashi Mirai Investment Co., Ltd. (current)
1953-09-19
Yoshiaki KOYA
Representative Director, President
Apr 1986 Joined the Bank Dec 2006 Chief Investigator, Planning Section, Business Planning Dept. Jun 2007 Manager, Sales Promotion Planning Section, Sales Planning Division Oct 2010 Deputy General Manager and Manager, Sales Promotion Planning Section, Sales Planning Division Jun 2011 Deputy General Manager and Manager, Sales Strategy Section, Sales Planning Division Jun 2014 Deputy General Manager, Sales Planning Division Jun 2015 General Manager, Sales Planning Division Jul 2015 Executive Officer, General Manager, Sales Planning Division Jun 2017 Executive Officer, General Manager, Mitsugawa Branch Jun 2019 Executive Officer, General Manager, Tokyo Branch Jun 2019 Director, General Manager, Tokyo Branch Jun 2020 Managing Director, General Manager, Tokyo Branch Jun 2021 Representative Director, Senior Managing Director; in charge of Human Resources and Management Administration Jun 2022 Representative Director, Senior Managing Director; in charge of Human Resources and Management Administration Jun 2023 Representative Director, President; in charge of Audit Jun 2025 Representative Director, President; in charge of Audit Division (current)
1963-12-19
Koichiro KATO
Representative Director, Senior Managing Director
Apr 1989 Joined the Bank May 2011 Chief Investigator, Corporate Support Section, Credit Examination Dept. Jan 2014 Secretary Office Manager Jun 2019 Manager, Minami Branch and Manager, Sumiyoshi Branch Jun 2021 General Manager, Human Resources Dept. Jul 2021 Executive Officer, General Manager, Human Resources Dept. Jun 2022 Executive Officer, General Manager, Human Resources Division Jun 2023 Executive Officer, General Manager, Tokyo Regional Headquarters No. 2 Jun 2023 Managing Executive Officer, General Manager, Tokyo Regional Headquarters No. 2 Jun 2024 Managing Director; in charge of General Affairs, Management Administration, and Market & International Affairs Jun 2025 Managing Director; in charge of General Affairs and Sales Division Jun 2026 Representative Director, Senior Managing Director; in charge of Business Planning, Human Resources, and Regional Headquarters (current)
1965-10-01
Tetsuya NAITO
Managing Director
Apr 1988 Joined the Bank Jul 2009 Manager, Credit Examination Planning Section, Credit Examination Dept. Nov 2012 Manager, Prefectural Office Branch Jan 2014 Senior Deputy Manager, Yoshida Branch Jun 2015 Deputy General Manager and Manager, Loan Section, Head Office Sales Dept. May 2018 Deputy General Manager, Key Account Section Manager and Loan Section Manager, Head Office Sales Dept. Jun 2018 Manager, Minami Branch and Manager, Sumiyoshi Branch Jun 2019 General Manager, Business Planning Dept. Jul 2019 Executive Officer, General Manager, Business Planning Dept. Jun 2021 Managing Executive Officer, Manager, Tokyo Branch Jun 2022 Managing Executive Officer, General Manager, Tokyo Regional Headquarters No. 1 and Manager, Tokyo Branch Jun 2023 Managing Director; in charge of Regional Headquarters, Sales Management, Consulting Sales, Tokyo Promotion, and Regional Revitalization Promotion Jun 2024 Managing Director; in charge of Sales Management, Consulting Sales, Tokyo Promotion, and Regional Revitalization Promotion; General Manager, Tokyo Regional Headquarters No. 1 Jun 2025 Managing Director; in charge of Market & International Division and General Manager, Tokyo Strategy Headquarters (current)
1964-12-16
Shigeki DAINAGA
Managing Director
Apr 1990 Joined the Bank Jul 2012 Chief Investigator, Sales Strategy Section, Sales Planning Division Jun 2014 Manager, Sales Strategy Section, Sales Planning Division Jul 2016 Deputy General Manager and Manager, Sales Strategy Section, Sales Planning Division Jun 2019 General Manager, Sales Planning Division Jun 2021 General Manager, Systems Division Jun 2022 Executive Officer, General Manager, Systems Division Jun 2024 Executive Officer, General Manager, Business Planning Dept. Jun 2025 Managing Executive Officer, General Manager, Business Planning Dept. Jun 2026 Managing Director; in charge of Management Administration, Credit Examination, General Affairs, and Systems Divisions (current)
1967-11-30
Yoshiju NAGAISHI
Managing Director
Apr 1990 Joined the Bank May 2011 Chief Investigator, Credit Examination Planning Section, Credit Examination Dept. Jun 2014 Manager, Credit Examination Planning Section, Credit Examination Dept. Jun 2016 Manager, Mejirodai Branch Jun 2018 Manager, Shiozawa Branch Jun 2020 General Manager, General Affairs Management Division Jun 2022 General Manager, General Affairs Dept. Jun 2023 General Manager, Central Regional Headquarters Jun 2023 Executive Officer, General Manager, Central Regional Headquarters Jun 2025 Managing Executive Officer, General Manager, Audit Dept. Jun 2026 Managing Director; in charge of General Affairs and Sales Divisions (current)
1967-10-27
Riyo KANO
Outside Director
Apr 1993 Registered as Attorney-at-Law (Member, Dai-Ichi Tokyo Bar Association); joined Tanabe Sogo Law Office (current) Apr 2014 Member, Bidding Monitoring Committee, Japan Racing Association (current) Aug 2014 Member, Disability Policy Committee, Cabinet Office Jun 2015 Director of the Bank (current) Feb 2017 Member, Relief Review Committee, Ministry of Health, Labour and Welfare (current) Jun 2019 Outside Director, KDDI Corporation Apr 2021 Member, Information Utilization Review Committee, Center for Cancer Genomics and Advanced Therapeutics, National Cancer Center (current) Dec 2023 Member, AMED Data Utilization Review Committee, Japan Agency for Medical Research and Development (current) Apr 2025 Member, Employment Environment and Equal Opportunity Subcommittee, Labour Policy Council, Ministry of Health, Labour and Welfare (current) Jun 2025 Outside Director, NS United Kaiun Kaisha, Ltd. (current)
1966-05-11
Miki ICHIKAWA
Director
Apr 1984 Joined Yamanashi Prefectural Government Apr 2014 Manager, Civic Life and Gender Equality Section, Planning and Citizens Affairs Dept. Apr 2016 Manager, Forest Environment General Affairs Section, Forest Environment Dept. Apr 2017 Deputy Director, Tourism Dept. Apr 2018 Director General, Energy Bureau (concurrently Director General, Enterprise Bureau) Jun 2020 Director of the Bank (current) May 2022 Auditor, Osada Furusato Foundation (current) Jul 2022 Member, Operating Committee, Yamanashi Prefectural Museum (current) Apr 2023 Member, Personal Information Protection Review Board, Yamanashi Prefecture (current)
1959-09-29
Norihiko TANAKA
Full-time Corporate Auditor
Apr 1985 Joined the Bank Dec 2004 Chief Investigator, Review Planning Group, Credit Examination Dept. Jun 2007 Manager, Credit Examination Planning Section, Credit Examination Dept. Aug 2008 Deputy General Manager, Credit Examination Dept. Apr 2010 Deputy General Manager, Credit Examination Dept. Nov 2012 Deputy General Manager and Manager, Credit Examination Planning Section, Credit Examination Dept. Jun 2014 Deputy General Manager, Credit Examination Dept. Jun 2015 General Manager, Systems Division Jul 2015 Executive Officer, General Manager, Systems Division Jun 2017 Director, General Manager, Systems Division Jun 2019 Managing Director; in charge of Credit Examination, Clerical Administration, Systems, and Centralized Operations Jun 2020 Managing Director; in charge of Business Planning, General Affairs, and Market & International Affairs Jun 2024 Full-time Corporate Auditor (current)
1962-10-30
Hideki IIJIMA
Full-time Corporate Auditor
Apr 1990 Joined the Bank Jun 2014 General Manager, Tokyo Office Jun 2019 General Manager, Systems Division Jun 2021 General Manager, Business Planning Dept. Jun 2022 Executive Officer, General Manager, Business Planning Dept. Jun 2024 Managing Executive Officer, General Manager, Tokyo Regional Headquarters No. 2 Jun 2025 Managing Executive Officer, General Manager, Head Office Regional Headquarters; General Manager, Head Office Sales Dept. Area; Manager, Kofu Station Front Branch Jun 2026 Full-time Corporate Auditor (current)
1967-03-28
Minako MIZUTANI
Corporate Auditor
Apr 1995 Joined Tax Accountant Masanori Otsubo Office Jun 1998 Joined Ishiwatari, Nishimura & Nakane Joint Office (now Moore Shisei Tax Corporation) Oct 1998 Registered as Certified Tax Accountant (current) Sep 2011 Joined Tokyo Kyodo Accounting Office Apr 2013 Joined Seishin Tax Corporation (now Moore Shisei Tax Corporation) Sep 2016 Member (Partner), Moore Shisei Tax Corporation Jun 2020 Corporate Auditor of the Bank (current) Sep 2023 Representative Member (Partner), Moore Shisei Tax Corporation (current) Jul 2024 Corporate Auditor, AIN Holdings Inc. (current)
1969-09-24
Michio MASUKAWA
Director
Apr 1977 Joined the Bank of Japan Nov 1999 Manager, Kofu Branch, Bank of Japan Aug 2006 Senior Economist, Financial Institutions Dept., Bank of Japan May 2008 Director General, Public Affairs Dept., Bank of Japan Apr 2009 Auditor, Bank of Japan Jun 2013 Representative Director, Credit & Risk Development Association May 2014 Outside Director, DCM Holdings Co., Ltd. Jun 2014 Chairman of the Board of Representative Directors, Credit & Risk Development Association Feb 2015 Outside Director, Kanaya Hotel Co., Ltd. Jun 2015 Director of the Bank (current) Jun 2023 Adviser, Credit & Risk Development Association
1952-09-16
Yoshiyuki NAGAHARA
Corporate Auditor
Apr 1974 Joined The Mitsui Bank, Limited (now Sumitomo Mitsui Banking Corporation) Jun 1997 Manager, Kamata Branch, The Sakura Bank, Limited (now Sumitomo Mitsui Banking Corporation) Nov 1998 Manager, Shinbashi-Higashi Branch, Sumitomo Mitsui Banking Corporation Apr 2000 General Manager, Business Promotion Dept. and Business Promotion Division I, Commercial Banking Division Apr 2001 General Manager, Consumer Sales Dept., Sumitomo Mitsui Banking Corporation Oct 2001 General Manager, Nihonbashi-Higashi Corporate Sales Division I Jul 2002 General Manager, Nihonbashi-Higashi Corporate Sales Dept. Jun 2003 Executive Officer, Deputy Chief Officer, Individual Banking Division Jun 2005 Standing Corporate Auditor, Sumitomo Mitsui Banking Corporation Jun 2006 Chairman, Sumitomo Mitsui Asset Management Company, Limited (now Sumitomo Mitsui DS Asset Management Company, Limited) Jan 2013 Senior Adviser, Muromachi Tatemono Co., Ltd. Apr 2013 Chairman, National Pension Fund Association Jun 2020 Corporate Auditor of the Bank (current)
1952-03-27
Sachiko YAMAKI
Corporate Auditor
Oct 2002 Joined Tokyo District Public Prosecutors Office Apr 2003 Saitama District Public Prosecutors Office Apr 2006 Registered as Attorney-at-Law; joined Yamaki Law Office (current) Apr 2016 Part-time Auditor, Yamanashi University Jun 2017 Director (Audit and Supervisory Committee Member), Enomoto Co., Ltd. (current) Jun 2019 Part-time Auditor, Liveez Foundation (current) Oct 2019 Family Court Mediation Commissioner, Kofu Family Court (current) Dec 2019 Part-time Auditor, University Alliance Yamanashi Apr 2022 Member, Management Council, Yamanashi Prefectural University (current) Jun 2023 Member, Yamanashi Child Support Committee (current) Apr 2024 Part-time Auditor, Yamashita Gakuen (current) Apr 2024 Vice President, Yamanashi Bar Association Jun 2024 Corporate Auditor of the Bank (current)
1978-11-16
Large Shareholding Reports
Neuberger Berman Japan Ltd.
2025-12-01
6.80%→8.05%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-08-03
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-15
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-09
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-12-01
Large Shareholding Report
EDINET
2025-11-19
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-04
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-20
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-07
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-19
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-05
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
2023-11-17
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-27
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-10
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-18
Quarterly Securities Report
EDINET
2022-08-10
Quarterly Securities Report
EDINET
2022-06-24
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
EDINET
2021-11-19
Quarterly Securities Report
EDINET
2021-08-10
Quarterly Securities Report
EDINET
2021-06-25
Annual Securities Report
EDINET
2021-02-10
Quarterly Securities Report
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