Overview
Banks

THE BANK OF SAGA LTD.

The Saga Bank is a regional financial institution headquartered in Saga City, Saga Prefecture, Japan, providing a full range of banking services including deposits, lending, domestic and foreign exchange, securities investment, trust services, and insurance products through its head office and 74 branches with 28 sub-branches. The Bank operates through six consolidated subsidiaries covering leasing (Sagin Lease), credit guarantee (Sagin Credit Guarantee), digital services (Sagin Digital Partners), venture capital, business services, and regional trading company functions. Listed on the Tokyo Stock Exchange Prime Market, the Bank serves as the core financial institution for the Saga region and surrounding areas including Fukuoka.

Market Cap
¥103B
US$654M
EV
¥—B
Stock¥6,070▼-0.98%
US$1 = ¥156.80 (2026-10-23)
ROE
7.8%
* LTM NI / end-of-period equity
PBR
0.8
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+71.4%pt
1001
Oct 24, 25 – Oct 23, 26StockTOPIX
1Aug 5, 26Q1 FY2027/03 earnings announced
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Performance & Balance
Revenue 5Y (¥B)
43.9US$280M'22/347.7US$304M'23/353.0US$338M'24/355.2US$352M'25/371.8US$458M'26/3
Net Income 5Y (¥B)
4.08US$26.0M'22/35.49US$35.0M'23/36.22US$39.7M'24/37.50US$47.8M'25/38.59US$54.8M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
300US$1.91B'22/366.4US$423M'23/3200US$1.28B'24/3270US$1.72B'25/3278US$1.77B'26/3
Shareholders
Top 10 hold 30.3%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
8.28%
2
THE BANK OF SAGA LTD. Stock Ownership Association
3.74%
3
The Juhachi-Shinwa Bank, Ltd.
3.09%
4
Meiji Yasuda Life Insurance Company
2.88%
5
Custody Bank of Japan, Ltd. (Trust Account)
2.64%
6
The Higo Bank, Ltd.
2.05%
7
Nomura Securities Co., Ltd.
1.98%
8
Masanobu NODA
1.95%
9
Kei TAKAHASHI
1.93%
10
The Bank of Fukuoka, Ltd.
1.81%
Management
17 officers
Hideaki SAKAI
Representative Director, President
Apr 1981 Joined the Bank Jun 2002 Manager, Futsukaichi Branch and Manager, Tofuro Branch Nov 2002 Manager, Futsukaichi Branch following branch consolidation Apr 2004 Deputy General Manager, General Planning Department Jun 2007 Manager, Takeo Branch Jun 2009 General Manager, General Planning Department Jun 2011 Director, General Manager, General Planning Department Apr 2014 Managing Director Apr 2018 Representative Director, concurrently President (current)
1958-09-05
Yoichiro KUCHIISHI
Representative Director, Senior Managing Director, General Manager, Sales Management Division
Apr 1985 Joined the Bank Jun 2011 Manager, Sawara-Nishi Branch Apr 2013 Area Manager, Mugino Area and Manager, Mugino Branch Apr 2015 Area Manager, Futsukaichi Area and Manager, Futsukaichi Branch Apr 2017 Manager, Sasebo Branch Apr 2019 Area Manager, Tosu Area, Manager, Tosu Branch and Manager, Tosu Station-Front Branch Oct 2019 Area Manager, Tosu Area, Manager, Tosu Branch, Manager, Tosu Station-Front Branch and Head, Tosu Branch Asahi Sub-Branch Apr 2020 General Manager, Sales Management Department, Sales Management Division Apr 2021 Executive Officer, General Manager, Sales Management Department, Sales Management Division Apr 2022 Executive Officer, Deputy General Manager, Sales Management Division and General Manager, Sales Management Department Jun 2022 Director, Deputy General Manager, Sales Management Division and General Manager, Sales Management Department Apr 2023 Director, Head of Saga South Block, General Manager, Head Office Sales Department and Manager, Kurefu-machi Branch Apr 2025 Director Jun 2025 Managing Director (current) Jun 2026 Senior Managing Director, concurrently Representative Director and General Manager, Sales Management Division (scheduled)
1966-10-12
Hideki NAKASHIMA
Managing Director, General Manager, Operations Management Division
Apr 1991 Joined the Bank Apr 2016 Manager, Taiwa-machi Branch May 2018 Manager, Hakata Branch Apr 2021 General Manager, General Planning Department and Manager, Profit Management Office Apr 2022 Executive Officer, General Manager, General Planning Department Apr 2024 Executive Officer, Head of Fukuoka Central Block, Manager, Fukuoka Branch, Manager, Watanabe-dori Branch and Manager, Tenjin Branch Jun 2024 Director, Head of Fukuoka Central Block, Manager, Fukuoka Branch, Manager, Watanabe-dori Branch and Manager, Tenjin Branch Apr 2026 Director (current) Jun 2026 Managing Director, General Manager, Operations Management Division (scheduled)
1969-02-06
Ken ARATSU
Managing Director
Apr 1994 Joined the Bank Apr 2018 Deputy General Manager, Productivity Planning Department Apr 2019 Deputy General Manager, General Planning Department and Deputy Manager, Profit Management Office Apr 2020 Manager, Kurume Branch, Manager, Tsufuku Sub-Branch and Manager, Mizuma Sub-Branch Apr 2022 Manager, Tokyo Branch and Manager, Tokyo Office, General Planning Department Apr 2024 General Manager, General Planning Department Jun 2025 Director, General Manager, General Planning Department Apr 2026 Director (current) Jun 2026 Managing Director (scheduled)
1970-08-18
Kazuya SHIRAHAMA
Managing Director
Apr 1994 Joined the Bank Apr 2019 Manager, Katae Branch Oct 2020 Manager, Meinohama Branch Apr 2022 Block Promotion Officer, Sales Management Department, Sales Management Division Apr 2023 General Manager, Human Resources Department Apr 2025 General Manager, Sales Management Department, Sales Management Division Jun 2025 Director, General Manager, Sales Management Department, Sales Management Division Apr 2026 Director (current) Jun 2026 Managing Director (scheduled)
1971-06-24
Koji KANEGAE
Director, General Manager, Sales Management Department, Sales Management Division
Apr 1991 Joined the Bank Apr 2017 Manager, Wadada Branch and Head, Wadada Branch Hamasaki Sub-Branch, Karatsu Area Apr 2019 Manager, Yoga-machi Branch Nov 2019 Manager, Yoga-machi Branch, Manager, Kase-machi Branch and Head, Yoga-machi Branch Kubota Sub-Branch Apr 2021 Head, Imari-Sasebo Block and Manager, Imari Branch Apr 2022 Executive Officer, Head of Fukuoka Central Block, Manager, Fukuoka Branch, Manager, Watanabe-dori Branch and Manager, Tenjin Branch Jun 2023 Director, Head of Fukuoka Central Block, Manager, Fukuoka Branch, Manager, Watanabe-dori Branch and Manager, Tenjin Branch Apr 2024 Director, Head of Karatsu Block, Manager, Karatsu Branch and Manager, Karatsu Station-Front Branch Apr 2026 Director, General Manager, Sales Management Department, Sales Management Division (current)
1969-03-21
Sadaki SAKAI
Director, Head of Saga South Block, General Manager, Head Office Sales Department, Manager, Kurefu-machi Branch
Apr 1990 Joined the Bank Apr 2013 Manager, Morodomi Branch Apr 2015 Area Manager, Mugino Area and Manager, Mugino Branch Apr 2016 Manager, Hakata Branch May 2018 Manager, Kokura Branch Apr 2021 Head, Takeo-Kashima Block, Area Manager, Takeo Area, Manager, Takeo Branch and Manager, Takeo-Nishi Branch Apr 2022 Executive Officer, Head of Takeo-Kashima Block, Manager, Takeo Branch and Manager, Takeo-Nishi Branch Apr 2023 Executive Officer, General Manager, Sales Management Department, Sales Management Division Jun 2024 Director, Deputy General Manager, Sales Management Division and General Manager, Sales Management Department Apr 2025 Director, Head of Saga South Block, General Manager, Head Office Sales Department and Manager, Kurefu-machi Branch (current)
1967-09-02
Makimi MAKI
Director, General Manager, Operations Management Department, Operations Management Division
Apr 1986 Joined the Bank Apr 2019 Chief Research Officer, General Planning Department Apr 2021 Chief Research Officer, Operations Management Support Department, Operations Management Division (in charge of Digital BPR) Apr 2023 Chief Research Officer, Operations Concentration Support Department, Operations Management Division, Head of Administrative Center and Chief Research Officer, Operations Management Support Department Apr 2024 General Manager, Operations Concentration Support Department, Operations Management Division Apr 2026 General Manager, Operations Management Department, Operations Management Division (current) Jun 2026 Director, General Manager, Operations Management Department, Operations Management Division (scheduled)
1967-06-18
Teruyuki KUMAMOTO
Director, Head of Karatsu Block, Manager, Karatsu Branch, Manager, Karatsu Station-Front Branch
Apr 1990 Joined the Bank Apr 2018 Manager, Nakagawa Branch, Kasuga Area Apr 2019 Manager, Nakagawa Branch following abolition of area system Apr 2020 Block Promotion Officer, Sales Management Department, Sales Management Division Apr 2022 Manager, Kashima Branch and Head, Hama Sub-Branch Apr 2024 General Manager, Regional Support Department, Sales Management Division Apr 2025 Head, Fukuoka West Block and Manager, Nishi-Shinmachi Branch Apr 2026 Head of Karatsu Block, Manager, Karatsu Branch and Manager, Karatsu Station-Front Branch (current) Jun 2026 Director, Head of Karatsu Block, Manager, Karatsu Branch and Manager, Karatsu Station-Front Branch (scheduled)
1972-03-26
Yasufumi KUSATSU
Director, Head of Fukuoka Central Block, Manager, Fukuoka Branch, Manager, Watanabe-dori Branch, Manager, Tenjin Branch
Apr 1994 Joined the Bank Apr 2020 Manager, Maebaru Branch, Manager, Kafuri Sub-Branch and Manager, Nijo Sub-Branch Apr 2022 Manager, Hakata-Ekihigashi Branch Apr 2025 General Manager, Regional Support Department, Sales Management Division Apr 2026 Head of Fukuoka Central Block, Manager, Fukuoka Branch, Manager, Watanabe-dori Branch and Manager, Tenjin Branch (current) Jun 2026 Director, Head of Fukuoka Central Block, Manager, Fukuoka Branch, Manager, Watanabe-dori Branch and Manager, Tenjin Branch (scheduled)
1971-04-27
Keishi KONO
Director
Apr 1980 Joined the Bank of Japan May 1999 Director-General, Prices Statistics Division, Research and Statistics Department Feb 2001 Director-General, Economic Statistics Division, Research and Statistics Department Nov 2002 Deputy Manager, Nagoya Branch Mar 2004 Manager, Matsue Branch Jul 2006 Senior Adviser, Financial Markets Department Nov 2007 Manager, Fukuoka Branch May 2009 Director-General, Information Services Department Apr 2010 Retired from the Bank of Japan May 2010 Standing Adviser, Chugai Pharmaceutical Co., Ltd. Oct 2010 Executive Officer, Deputy Unit Head, Life Cycle Management and Marketing Unit Nov 2010 Executive Officer, Head of Life Cycle Management Department II, Life Cycle Management and Marketing Unit Apr 2012 Executive Officer, Deputy Head of Sales Division Jan 2013 Executive Officer, Head of IT Division Oct 2015 Executive Officer, in charge of Global Health Policy, Head of IT Division Jan 2017 Executive Officer, in charge of External Relations and Research, Global Health Policy Apr 2017 Senior Executive Officer, in charge of External Relations and Research, Global Health Policy Apr 2021 Part-time Adviser (retired Mar 2023) Jun 2021 Outside Director, Sanki Engineering Co., Ltd. (current) Jun 2023 Director of the Bank (current)
1957-09-18
Koichiro MIYOSHI
Director, Audit and Supervisory Committee Member
Apr 1991 Joined the Bank Apr 2018 Manager, Mitomo Branch Apr 2020 Manager, Yahata Branch Apr 2021 General Manager, Examination and Risk Management Department Apr 2022 Executive Officer, General Manager, Examination and Risk Management Department Apr 2024 Executive Officer Jun 2024 Director, Audit and Supervisory Committee Member (current)
1968-10-09
Kentaro TOMIYOSHI
Director
Apr 1972 Joined The Saga Shimbun Apr 1989 Chief, Arita Bureau Apr 1994 General Manager, News Department, Editorial Bureau, and Editorial Writer Apr 1998 Deputy General Manager, Editorial Bureau, Head of News Center, and Editorial Writer Oct 1998 Chief, Karatsu Branch Office Apr 2002 Deputy Chief Editorial Writer, Editorial Writers' Committee Apr 2003 Chief Editorial Writer, Editorial Writers' Committee Apr 2009 Executive Officer, Chief Editorial Writer, Editorial Writers' Committee Apr 2011 Director and Executive Officer, Editor-in-Chief Jun 2014 Managing Director, Editor-in-Chief Apr 2015 Managing Director, Chief Editorial Supervisor Jun 2016 Senior Managing Director, Chief Editorial Supervisor Apr 2018 Senior Managing Director, Chief Editorial Supervisor, Chief Editorial Writer, Editorial Writers' Committee Apr 2019 Part-time Director, Honorary Chief Editorial Writer Apr 2019 President, Saga Seiwa Gakuen School Corporation (current) Jun 2019 Director of the Bank (current)
1949-12-22
Takumi IKEDA
Director, Audit and Supervisory Committee Member
Apr 1968 Joined Saga Prefectural Government Apr 2006 Director-General, Regional Development Bureau Jun 2008 Managing Director, Saga Terminal Building Co., Ltd. Jun 2008 Director, ANA Air Service Saga Co., Ltd. Jun 2009 President, Saga Terminal Building Co., Ltd. Jul 2011 Representative Audit Commissioner, Saga Prefecture Sep 2018 Auditor (part-time), Saga Prefecture Industrial Promotion Foundation Jun 2019 Auditor of the Bank Oct 2019 Auditor (part-time), General Incorporated Foundation for Quantum Medical Promotion (current) Jun 2022 Director, Audit and Supervisory Committee Member of the Bank (current)
1949-11-28
Emi FUKUDA
Director, Audit and Supervisory Committee Member
Apr 1999 Judicial Training Oct 2000 Registered as attorney-at-law (Fukuoka Bar Association), Miura Kunitoshi Law Office Apr 2006 Re-registered (Saga Bar Association), Wakakusu Law Office Jan 2011 Suzukaze Law Office (current) Jun 2024 Director, Audit and Supervisory Committee Member of the Bank (current)
1973-10-13
Koji TAMURA
Director, Audit and Supervisory Committee Member
Oct 1990 Joined Century Audit Corporation (now EY ShinNihon LLC) Mar 1994 Registered as Certified Public Accountant Apr 1996 Tamura CPA Office Mar 2010 Registered as Certified Tax Accountant Jan 2015 Representative, Tamura CPA Office (current) Jun 2025 Director, Audit and Supervisory Committee Member of the Bank (current)
1965-11-21
Shinya AKIYOSHI
Director, Audit and Supervisory Committee Member
Apr 1979 Joined Kitakyushu Finance Bureau Jul 2007 Head, Financial Management Division No. 2, Nagasaki Finance Office, Fukuoka Finance Branch Jul 2008 Head, Budget Division No. 2, Financial Management Department, Kyushu Finance Bureau Jul 2010 Public Relations Adviser, Fukuoka Finance Branch Jul 2011 Head, Inspection Division, Financial Management Department Jul 2014 Head, Budget Division, Financial Management Department Jul 2015 Supervisor, Financial Instruments Exchanges Jul 2016 Securities and Exchange Surveillance Officer (retired Jul 2018) Nov 2018 Joined Okawa Shinkin Bank Jun 2020 Full-time Auditor (retired Jun 2025) Jun 2026 Scheduled to become Director, Audit and Supervisory Committee Member of the Bank
1960-07-18
Large Shareholding Reports
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3.12%→3.15%
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2026-06-22
3.12%
Nomura Asset Management Co., Ltd.
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Nomura Asset Management Co., Ltd.
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2.89%
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-10-23
Forecast Revision
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
2026-06-23
Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2026-06-22
Large Shareholding Report
EDINET
2026-06-03
Large Shareholding Report
EDINET
2026-05-12
Large Shareholding Report
EDINET
2026-04-07
Large Shareholding Report
EDINET
2026-03-23
Large Shareholding Report
TDnet
2026-02-09
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-26
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-08-04
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-26
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-07
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-26
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-05
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-27
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-13
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-28
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-04
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINETAmended
2023-07-11
Amended Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-06-29
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-13
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-22
Quarterly Securities Report
EDINET
2022-08-05
Quarterly Securities Report
EDINET
2022-06-29
Annual Securities Report
EDINET
2022-02-14
Quarterly Securities Report
EDINET
2021-11-26
Quarterly Securities Report
EDINET
2021-08-06
Quarterly Securities Report
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