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Overview

Banks

THE SHIGA BANK,LTD.

The Shiga Bank is a regional bank headquartered in Otsu, Shiga Prefecture, providing comprehensive banking services including deposits, lending, domestic and foreign exchange, and securities investment through 95 branches (94 domestic, 1 in Hong Kong) and 5 sub-branches. The Bank differentiates itself through consulting-driven relationship banking focused on local businesses and individuals, complemented by subsidiaries offering leasing, credit cards, loan guarantees, and GX/SX sustainability consulting. The Group also engages in renewable energy operations and venture investment through dedicated subsidiaries, reflecting a strategy of expanding beyond traditional banking.

Activists: Ariake Capital, Inc. 6.48%

Market Cap

¥570B

US$3.64B

¥—B

Stock¥2,481▼-3.58%

US$1 = ¥156.80 (2026-10-23)

ROE

3.8%

* LTM NI / end-of-period equity

PBR

0.9

Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+78.5%pt

Oct 23, 25 – Oct 23, 26StockTOPIX

1May 13, 26Ariake Capital, Inc. changed stake (5.31%→6.48%)

2Jul 29, 26Q1 FY2027/03 earnings announced

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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 36.8%

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

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

8.86%

ARIAKE MASTER FUNDDIRECTOR TAKANO SHIGERU (Standing Proxy: Tachibana Securities Co., Ltd.)

5.82%

Custody Bank of Japan, Ltd. (Trust Account)

4.82%

Nippon Life Insurance Company

3.50%

Meiji Yasuda Life Insurance Company

3.47%

STATE STREET BANK AND TRUST COMPANY 505103 (Standing Proxy: Mizuho Bank, Ltd.)

2.53%

THE SHIGA BANK,LTD. Employee Stock Ownership Association

2.19%

STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)

2.09%

Sompo Japan Insurance Inc.

1.83%

CEPLUX-THE INDEPENDENT UCITSPLATFORM 2 (Standing Proxy: Citibank, N.A., Tokyo Branch)

1.68%

Management

14 officers

Shinya KUBOTA

Representative Director, President

Apr 1986 Joined the Bank Jun 2015 General Manager, General Planning Department Jun 2017 Director, General Manager, General Planning Department Jun 2018 Managing Director Jun 2020 Senior Managing Director Jun 2023 Director, President (current)

1962-12-02

Katsumi HORIUCHI

Representative Director, Senior Managing Executive Officer

Apr 1987 Joined the Bank Jun 2014 General Manager, Management Administration Department Jun 2017 Executive Officer, General Manager, Sales Coordination Department Jun 2019 Director, General Manager, Kyoto Branch Jun 2021 Managing Director, General Manager, Markets and International Department Feb 2022 Managing Director Jun 2024 Senior Managing Director Jun 2025 Director, Senior Managing Executive Officer (current)

1964-08-06

Hidekazu TODA

Director, Managing Executive Officer (Representative Director scheduled)

Apr 1990 Joined the Bank Jun 2020 Executive Officer, General Manager, Operations Administration Department Jun 2021 Managing Executive Officer, General Manager, Operations Administration Department Jun 2023 Managing Director Jun 2025 Director, Managing Executive Officer (current) Jun 2026 Scheduled to assume office as Director, Senior Managing Executive Officer (Representative Director)

1968-02-22

Yoshinori ENDO

Director, Managing Executive Officer

Apr 1991 Joined the Bank Jun 2019 General Manager, General Affairs Department Jun 2020 Executive Officer, General Manager, General Affairs Department Jun 2021 Managing Executive Officer, General Manager, Kyoto Branch Jun 2023 Managing Director Jun 2025 Director, Managing Executive Officer (current)

1969-02-10

Nobuyuki TANAKA

Director, Managing Executive Officer

Apr 1990 Joined the Bank Jun 2019 Executive Officer, General Manager, Osaka Branch Jun 2020 Executive Officer, General Manager, Credit Examination Department Jun 2021 Managing Executive Officer, General Manager, Credit Examination Department Jun 2022 Managing Executive Officer, General Manager, Internal Audit Department Jun 2024 Managing Director Jun 2025 Director, Managing Executive Officer (current)

1967-12-14

Shigeaki HIRANUMA

Director, Executive Officer

Apr 1997 Joined the Bank Jun 2024 General Manager, General Planning Department Jun 2025 Senior Executive, General Planning Department and Senior Executive, Systems Department (current) Jun 2026 Scheduled to assume office as Director, Executive Officer

1974-03-08

Akio MUKU

Full-time Corporate Auditor

Apr 1988 Joined the Bank Jun 2015 General Manager, ICT Strategy Office, General Planning Department Oct 2020 Group Leader, Management Strategy Group, Sustainability Strategy Office, General Planning Department Dec 2022 Officer, Group Leader, Management Strategy Group, Sustainability Strategy Office, General Planning Department; concurrently Officer, Secretariat and Officer, Systems Department Jun 2025 Full-time Corporate Auditor (current)

1965-12-26

Kazuaki KATAOKA

Full-time Corporate Auditor

Apr 1991 Joined the Bank Jun 2021 Executive Officer, General Manager, General Affairs Department Feb 2022 Executive Officer, General Manager, Sales Coordination Department Jun 2023 Managing Executive Officer, General Manager, Kyoto Branch (current) Jun 2026 Scheduled to assume office as Full-time Corporate Auditor

1968-03-04

Minako TAKEUCHI

Non-Executive Director

Apr 1983 Joined NEC Corporation Dec 2002 Resigned from NEC Corporation Jan 2003 Joined Stanton Chase International K.K. Jun 2013 Resigned from Stanton Chase International K.K. Aug 2013 Representative Director, TM Future Co., Ltd. (current) Jun 2019 Outside Director of the Bank (current) Jun 2020 Outside Director, Nihon M&A Center Holdings, Inc. (formerly Nihon M&A Center Inc.) (current) Jun 2022 Outside Director, Mitsubishi Steel Mfg. Co., Ltd. (current)

1961-01-17

Rikiya HATTORI

Non-Executive Director

Apr 1978 Joined Sumitomo Trust & Banking Co., Ltd. (now Sumitomo Mitsui Trust Bank, Limited) Apr 2012 Director, Senior Managing Executive Officer, Sumitomo Mitsui Trust Bank, Limited Apr 2013 Deputy President, Executive Officer, Sumitomo Mitsui Trust Holdings, Inc.; Director, Deputy President, Sumitomo Mitsui Trust Bank, Limited Jun 2015 Director, Deputy President, Sumitomo Mitsui Trust Holdings, Inc. Apr 2017 Director, Sumitomo Mitsui Trust Holdings, Inc.; Deputy Chairman, Sumitomo Mitsui Trust Bank, Limited Jun 2017 Retired as Director, Sumitomo Mitsui Trust Holdings, Inc. Apr 2018 Executive Advisor, Sumitomo Mitsui Trust Bank, Limited; Chairman, Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. Jun 2018 Outside Corporate Auditor, Sumitomo Densetsu Co., Ltd. Mar 2020 Retired as Executive Advisor, Sumitomo Mitsui Trust Bank, Limited Jun 2020 Outside Director of the Bank (current) Feb 2021 Retired as Chairman, Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. Jun 2021 Full-time Corporate Auditor, Reiwa Accounting Holdings, Inc. Jun 2021 Retired as Outside Corporate Auditor, Sumitomo Densetsu Co., Ltd.; Outside Director, Sumitomo Densetsu Co., Ltd. (current) Jun 2025 Retired as Full-time Corporate Auditor, Reiwa Accounting Holdings, Inc.

1954-02-03

Takuichiro KAMADA

Non-Executive Director

Apr 1984 Joined the Bank of Japan Jul 2012 General Manager, Kyoto Branch, Bank of Japan Jun 2015 Retired from the Bank of Japan Jul 2015 Advisor, Policy Department, Japan Securities Dealers Association Jul 2017 Joint General Manager, Administration Division (Chief Information Officer and Chief Risk Officer), Japan Securities Dealers Association Jun 2021 Retired from Japan Securities Dealers Association Jun 2021 Outside Director of the Bank (current)

1960-04-20

Mikiyo NIIZEKI

Non-Executive Director

Apr 2006 Professor, Faculty of Economics, Doshisha University Apr 2010 Professor, Graduate School of Economics (Master's Program), Doshisha University Apr 2014 Professor, Graduate School of Economics (Doctoral Program), Doshisha University (current) Apr 2016 Dean, Faculty of Economics; Dean, Graduate School of Economics, Doshisha University Apr 2019 Director, Research Promotion Department, Research and Development Promotion Organization, Doshisha University Apr 2020 Vice President; Director, Education Support Organization, Doshisha University Apr 2023 Assistant to the President, Doshisha University Jun 2023 Outside Director, Osaka Gas Co., Ltd. (current) Jun 2026 Scheduled to assume office as Outside Director of the Bank

1968-04-06

Yasuhito MATSUI

Non-Executive Corporate Auditor

Apr 2000 Registered as attorney-at-law Apr 2000 Joined Karasuma Law Office Jan 2005 Registered as attorney in New York State Apr 2005 Left Karasuma Law Office May 2005 Joined Miyake Law Office May 2009 Partner, Miyake Law Office May 2012 Registered as patent attorney Jun 2017 Outside Corporate Auditor of the Bank (current) Jan 2019 Left Miyake Law Office Feb 2019 Partner, Nishikibashi Law Office (current)

1975-09-03

Kazukiyo ONISHI

Non-Executive Corporate Auditor

Apr 1980 Joined the Ministry of Finance Jul 2014 Director-General, Yokohama Customs, Ministry of Finance Jul 2015 Retired from the Ministry of Finance Oct 2015 Advisor, Aioi Nissay Dowa Insurance Co., Ltd. Jun 2016 Retired as Advisor, Aioi Nissay Dowa Insurance Co., Ltd. Jun 2016 Full-time Corporate Auditor, Takasago International Corporation Jun 2020 Retired as Full-time Corporate Auditor, Takasago International Corporation Jun 2020 Outside Corporate Auditor of the Bank (current)

1957-01-15

Large Shareholding Reports

Ariake Capital Co., Ltd.

2026-05-13

5.31%→6.48%

Wellington Management Company LLP

2025-10-07

5.72%→4.59%

Ariake Capital Co., Ltd.

2025-04-14

5.31%

Silchester International Investors LLP

2023-01-30

5.41%→4.38%

Silchester International Investors LLP

2023-01-05

6.44%→5.41%

Silchester International Investors LLP

2022-10-28

7.47%→6.44%

Silchester International Investors LLP

2022-08-03

8.51%→7.47%

Disclosures

No disclosures

Primary Source Filings

TDnet

2026-07-29

Q1 Earnings Flash

FY ending Mar 2027

THE SHIGA BANK,LTD.

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