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Overview

Banks

The Miyazaki Bank,Ltd.

The Miyazaki Bank is a regional bank headquartered in Miyazaki Prefecture, Japan, providing core banking services including deposit-taking, lending, domestic and foreign exchange through its head office and 70 branch locations. The Bank's group encompasses leasing (Miyagin Lease), credit guarantee (Miyagin Guarantee), credit card services (Miyagin Card), venture capital and management consulting (Miyagin Venture Capital), and business services (Miyagin Business Services). As a full-service regional financial institution listed on the Tokyo Stock Exchange Prime Market, the Bank serves as a key financial intermediary for individuals and businesses across the Miyazaki region and southern Kyushu.

Market Cap

¥194B

US$1.24B

¥—B

Stock¥2,311▼-1.91%

US$1 = ¥156.80 (2026-10-23)

ROE

6.5%

* LTM NI / end-of-period equity

PBR

0.8

Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+130.7%pt

Oct 24, 25 – Oct 23, 26StockTOPIX

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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 29.8%

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

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

8.71%

Meiji Yasuda Life Insurance Company

3.21%

The Bank of Fukuoka, Ltd.

2.72%

Nippon Life Insurance Company

2.63%

Custody Bank of Japan, Ltd. (Trust Account)

2.44%

The Miyazaki Bank,Ltd. Employee Stock Ownership Association

2.40%

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

1.98%

The Bank of Kagoshima, Ltd.

1.98%

QR Fund Investment Limited Partnership

1.86%

The Higo Bank, Ltd.

1.85%

Management

12 officers

Koji SUGITA

Representative Director, President

Apr 1981 Joined The Miyazaki Bank, Ltd. Apr 2011 General Manager, Sales Management Division Jun 2012 Director, General Manager of Corporate Planning Department and General Manager of Profit Management Office Jun 2014 Director, General Manager of Head Office Sales Department and Branch Manager, Ehira Branch Jun 2015 Managing Director Jun 2019 Managing Director (Executive Officer) Apr 2020 Managing Director, General Manager of Risk Management Division (Executive Officer) Jun 2020 Representative Director, President (current)

1958-10-22

Yoshihisa NISHIKAWA

Representative Director, Senior Managing Director (Executive Officer)

Apr 1987 Joined The Miyazaki Bank, Ltd. Jun 2015 Branch Manager, Fukuoka Branch Apr 2017 General Manager, Human Resources Department Jun 2018 Director, General Manager of Human Resources Department Apr 2019 Director, General Manager of Internal Audit Department Jun 2019 Senior Executive Officer, General Manager of Internal Audit Department Jun 2020 Senior Executive Officer, General Manager of Kagoshima Sales Department Jun 2022 Managing Director, General Manager of Sales Management Division (Executive Officer) Jun 2023 Managing Director (Executive Officer) Jun 2026 Senior Managing Director (Executive Officer) (current)

1965-02-13

Tomoki WATANABE

Managing Director (Executive Officer)

Apr 1990 Joined The Miyazaki Bank, Ltd. Apr 2012 Branch Manager, Sumiyoshi Branch Jun 2014 Branch Manager, Tokyo Branch and Head of Tokyo Office, Corporate Planning Department Apr 2016 Deputy General Manager, Corporate Planning Department and General Manager of Public Relations Office Apr 2017 General Manager, General Affairs Division Apr 2021 General Manager, Corporate Planning Department Jun 2022 Executive Officer, General Manager of Corporate Planning Department Jun 2023 Managing Director, General Manager of Corporate Planning Department (Executive Officer) Jul 2024 Managing Director (Executive Officer) (current)

1967-06-17

Setsuya KOTOYORI

Director (Executive Officer)

Apr 1992 Joined Sakura Bank, Ltd. (now Sumitomo Mitsui Banking Corporation) Apr 2022 General Manager, Markets Division (seconded from Sumitomo Mitsui Banking Corporation) Jun 2023 Executive Officer, General Manager of Markets Division Jun 2025 Director, General Manager of Markets Division (Executive Officer) (current)

1969-05-20

Masato NAGATOMO

Director (Executive Officer)

Apr 1992 Joined The Miyazaki Bank, Ltd. Jun 2015 Branch Manager, Akae Branch Apr 2017 Branch Manager, Kokubu Branch Apr 2020 Branch Manager, Sadowara Branch and Head of Nishi-Sadowara Sub-branch Jun 2022 Branch Manager, Tachibanadori Branch Jun 2023 General Manager, Nobeoka Sales Department Jun 2025 Director, General Manager of Sales Management Division and General Manager of Business Solutions Department (Executive Officer) Apr 2026 Director, General Manager of Sales Management Division (Executive Officer) (current)

1969-04-14

Hideki YOKOYAMA

Director (Executive Officer)

Apr 1991 Joined The Miyazaki Bank, Ltd. Jan 2016 Branch Manager, Daikumachi Branch Apr 2018 Branch Manager, Kagoshima Minami Branch Apr 2021 Deputy General Manager, Head Office Sales Department and Deputy Branch Manager, Ehira Branch Apr 2022 General Manager, General Affairs Division Jul 2024 General Manager, Corporate Planning Department Jun 2025 Executive Officer, General Manager of Corporate Planning Department Jun 2026 Director, General Manager of Corporate Planning Department (Executive Officer) (current)

1968-02-13

Koichi YUKAWA

Director (Executive Officer)

Apr 1992 Joined The Miyazaki Bank, Ltd. Apr 2018 Branch Manager, Higashi-Miyazaki Branch and Branch Manager, Showamachi Branch Jun 2020 Branch Manager, Tokyo Branch, Branch Manager, Osaka Branch and Head of Tokyo Office, Corporate Planning Department Apr 2022 Deputy General Manager, Corporate Planning Department and General Manager of Public Relations Office Jun 2024 General Manager, Human Resources Department Apr 2026 Executive Officer, General Manager of Human Resources Department Jun 2026 Director, General Manager of Human Resources Department (Executive Officer) (current)

1969-09-16

Katsunori KAWACHI