Overview
Banks

THE TAIKO BANK,LTD.

Daiko Bank is a regional bank headquartered in Niigata Prefecture, Japan, offering core banking services including deposit-taking, lending, securities investment, domestic and foreign exchange, and sales of government bonds, investment trusts, and insurance products. The Bank also provides M&A advisory and management consulting services through its subsidiary Daiko Capital & Consulting Co., Ltd., credit card and credit guarantee services through Taiko Card Co., Ltd., and leasing services through its equity-method affiliate Daiko Lease Co., Ltd. The Group serves retail and corporate clients primarily in the Niigata region, with a strategic capital and business alliance with SBI Holdings as a key competitive initiative.

Market Cap
¥26.5B
US$169M
EV
¥—B
Stock¥2,760▼-2.44%
US$1 = ¥156.80 (2026-10-23)
ROE
2.8%
* LTM NI / end-of-period equity
PBR
0.3
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+38.1%pt
10012345
Oct 24, 25 – Oct 23, 26StockTOPIX
1Jan 9, 26New Year trading rotation buying
2Feb 19, 26Earnings expectations driving gains
3Mar 2, 26Profit-taking adjustment
4Mar 5, 26Technical rebound from prior drop
5Jul 29, 26Q1 FY2027/03 earnings announced
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Performance & Balance
Revenue 5Y (¥B)
21.2US$135M'22/321.8US$139M'23/322.0US$140M'24/322.4US$143M'25/329.3US$187M'26/3
Net Income 5Y (¥B)
2.04US$13.0M'22/31.28US$8.16M'23/31.72US$10.9M'24/32.50US$15.9M'25/32.80US$17.9M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
238US$1.52B'22/3104US$666M'23/386.0US$548M'24/3127US$811M'25/3143US$915M'26/3
Shareholders
Top 10 hold 20.5%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
3.59%
2
OOMITSU CO.,LTD. Employee Stock Ownership Association
3.25%
3
SBI Regional Bank Holdings, Co., Ltd.
2.81%
4
The Daishi Hokuetsu Bank, Ltd.
2.35%
5
Takayuki SUZUKI
1.71%
6
THE TOWA BANK,LTD.
1.55%
7
THE DAITO BANK,LTD.
1.49%
8
SECOM JOSHINETSU CO.,LTD
1.32%
9
TOMATO BANK,LTD.
1.24%
10
Hachijuni Nagano Bank,Ltd.
1.19%
Management
12 officers
Shoichi KAWAI
Representative Director, President
Mar 1993 Joined Daiko Bank, Ltd. Jun 2011 Branch Manager, Okegawa Branch Feb 2013 Deputy General Manager, Credit Examination Department Jun 2014 General Manager, Credit Examination Department Jun 2017 Executive Officer, General Manager, Credit Examination Department Jun 2019 Director, Head of Kanto Regional Headquarters Jun 2021 Managing Director, Head of Sales Headquarters Jun 2023 Senior Managing Director, General Manager, Special Project Team for Cost Reduction and Business Reform Jun 2024 Director, President (current)
1961-08-31
Hiroyuki SUZUKI
Representative Director, Senior Managing Director
Apr 1984 Joined Daiko Mutual Bank Jul 2008 Manager, Sales Planning Group, Sales Management Department Jun 2011 Deputy General Manager, Sales Management Department Jun 2013 General Manager, General Planning Department Jun 2016 Branch Manager, Shibata Branch Jun 2018 Executive Officer, General Manager, Internal Audit Department Jun 2020 Executive Officer, General Manager, Human Resources Department Jan 2021 Executive Officer, General Manager, Human Resources Department; General Manager, Promotion of Women's Advancement Office; General Manager, Special Project Team for Cost Reduction Jun 2021 Director, General Manager, Human Resources Department; General Manager, Special Project Team for Cost Reduction Jan 2022 Director, General Manager, Human Resources Department; General Manager, Special Project Team for Cost Reduction and Business Reform Jun 2022 Managing Director, General Manager, Human Resources Department; General Manager, Special Project Team for Cost Reduction and Business Reform Jun 2023 Managing Director, General Manager, Human Resources Department; Head of Sales Headquarters Jun 2024 Senior Managing Director, General Manager, Human Resources Department; Head of Sales Headquarters Jun 2025 Senior Managing Director, Head of Sales Headquarters (current)
1962-03-02
Tetsuo KANAI
Senior Managing Director
Apr 1986 Joined Ministry of Finance Jul 2010 General Manager, General Affairs Department, Tokyo Regional Taxation Bureau Jul 2012 Executive Officer, Enterprise Turnaround Initiative Corporation of Japan (now Regional Economy Vitalization Corporation of Japan) Aug 2015 Superintendent General, Nagasaki Prefectural Police Headquarters Aug 2017 Director-General, Investigation and Inspection Department, National Tax Agency Jul 2018 Commissioner, Nagoya Regional Taxation Bureau Sep 2019 Executive Director, Nuclear Damage Compensation and Decommissioning Facilitation Corporation Oct 2021 President, National Tax College Nov 2023 Advisor to the Bank Jun 2024 Managing Director, General Manager, Special Project Team for Cost Reduction and Business Reform (current) Jun 2026 Senior Managing Director, General Manager, Special Project Team for Cost Reduction and Business Reform (scheduled)
1962-10-30
Minoru AIBA
Managing Director
Apr 1986 Joined Daiko Mutual Bank Jun 2009 Manager, Loan Planning Group, Loan Planning Department Jun 2011 Manager, Accounting Group, Management Accounting Department May 2013 Deputy General Manager, Management Accounting Department Jun 2014 General Manager, Management Accounting Department Jun 2019 Executive Officer, General Manager, Management Accounting Department Jun 2021 Executive Officer, General Manager, General Planning Department Jun 2022 Director Jun 2024 Director, General Manager, Risk Management Department Jun 2025 Managing Director (current)
1962-09-10
Hiroshi SEKIGUCHI
Director
May 2001 Joined Daiko Bank, Ltd. Jun 2010 Branch Manager, Nakazawa Branch Jun 2012 Branch Manager, Nakajo Branch Jun 2013 Branch Manager, Yasuda Branch Jun 2015 Branch Manager, Niigata Ekimae Branch Oct 2016 Branch Manager, Niigata Ekimae Branch; Branch Manager, Numatare Branch Jun 2017 Deputy General Manager, General Affairs Department Jun 2019 Department Manager attached to General Manager, Market and Financial Department Jun 2020 General Manager, Market and Financial Department Jun 2023 Executive Officer, General Manager, Market and Financial Department Jun 2024 Director, General Manager, Market and Financial Department (current)
1964-03-19
Tomoyasu YAMAGUCHI
Director, Audit and Supervisory Committee Member
Apr 1985 Joined Daiko Mutual Bank Jun 2007 Manager, Secretarial Office, Human Resources Department Jun 2010 Branch Manager, Kawato Branch Jun 2012 Branch Manager, Mitsuke Branch Jun 2013 General Manager, Financial Services Department Mar 2015 General Manager, Regional Industry Support Department Jun 2016 Branch Manager, Tokyo Branch; General Manager, Tokyo Office, General Planning Department Jun 2017 Executive Officer, General Manager, Human Resources Department; General Manager, Promotion of Women's Advancement Office Jun 2018 Executive Officer, General Manager, Human Resources Department Jun 2020 Executive Officer, General Manager, Internal Audit Department Jun 2021 Director, Audit and Supervisory Committee Member (current)
1961-07-28
Iwao HOSOGAI
Director, Audit and Supervisory Committee Member
Apr 1992 Registered with Daini Tokyo Bar Association Jun 1997 Registered with Niigata Bar Association Mar 1999 Head, Hosogai Law Office (current) Jun 2004 Audit & Supervisory Board Member, Harashin Co., Ltd. Jun 2010 Audit & Supervisory Board Member, Harashin Narusu Holdings Co., Ltd. (now Axial Retail Inc.) Jun 2014 Director, Daiko Bank, Ltd. Jun 2014 Director, Axial Retail Inc. Jun 2017 Director, Audit and Supervisory Committee Member, Daiko Bank, Ltd. (current) Feb 2023 Director, Chuetsu Country Club Co., Ltd. (current)
1958-07-04
Keiji SAKAI
Director, Audit and Supervisory Committee Member
Mar 1977 Registered as Certified Public Accountant Mar 1981 Registered as Certified Tax Accountant Mar 1985 Head, Sakai Accounting Office (current) Oct 1994 Partner, Tohmatsu & Co. (now Deloitte Touche Tohmatsu LLC) Jun 2007 Chairman, Niigata Prefectural Chapter, Tokyo Chapter, Japanese Institute of Certified Public Accountants Sep 2012 Audit & Supervisory Board Member, Ichisei Kamaboko Co., Ltd. Jul 2014 Non-Staff Auditor, Sakura no Machi Credit Cooperative (now Habataki Credit Cooperative) Sep 2015 Director, Audit and Supervisory Committee Member, Ichisei Kamaboko Co., Ltd. Jun 2019 Director, Audit and Supervisory Committee Member, Daiko Bank, Ltd. (current) Dec 2019 Non-Staff Auditor, Habataki Credit Cooperative
1948-05-28
Masahide TAKAHASHI
Director, Audit and Supervisory Committee Member
Jun 1980 Joined Niigata Nippo Co., Ltd. (Editorial Department) Apr 2008 Deputy Editor-in-Chief, Editorial Department; General Manager, News Department; General Manager, Photo and Image Department; Senior Editor Apr 2014 Executive Officer, Head of Advertising Business Headquarters, Marketing Division Mar 2016 Director, Head of Editing and Production Headquarters Mar 2018 Managing Director, Chairman of Management Planning Meeting, Head of Management Administration Headquarters Mar 2020 Senior Managing Director, Chairman of Management Planning Meeting, Head of Management Administration Headquarters Mar 2021 Representative Director, Senior Managing Director, Chairman of Management Planning Meeting Mar 2022 Advisor, Niigata Nippo Co., Ltd. (current) Mar 2022 Representative Director, Chairman, Niigata Nippo Service Net Co., Ltd. Apr 2022 Representative Director, Chairman, Niigata Nippo Media Net Co., Ltd. Jun 2023 Director, Audit and Supervisory Committee Member, Daiko Bank, Ltd. (current)
1957-02-23
Yumiko HONMA
Director, Audit and Supervisory Committee Member
Apr 1983 Joined Niigata Prefectural Government Apr 2011 Section Chief, Culture Promotion Division, Department of Citizens' Life and Environment Apr 2012 Section Chief, Consumer Administration Division, Department of Citizens' Life and Environment Apr 2014 Section Chief, Citizens' Life Division, Department of Citizens' Life and Environment Apr 2015 Deputy Director, Department of Citizens' Life and Environment Apr 2016 Secretary General, Prefectural Audit Committee Apr 2018 Director, Department of Citizens' Life and Environment Apr 2019 Director-General, Accounts Division, Prefectural Treasurer Mar 2021 Retired from Niigata Prefectural Government Apr 2021 Managing Director, Niigata Prefectural Federation of National Health Insurance Organizations May 2025 Director, Niigata Consumer Association, NPO (current) Jun 2025 Audit Director, Niigata Prefectural Women's Foundation (current) Jun 2025 Director, Audit and Supervisory Committee Member, Daiko Bank, Ltd. (current) Jun 2026 Director, Co-op Deli Niigata Consumers' Cooperative (current)
1960-04-11
Soichi MARUYAMA
Director
Apr 1989 Joined Daiko Mutual Bank Jun 2010 Manager, Human Resource Development Group, Human Resources Department Jun 2011 Manager, Sales Planning Group, Sales Management Department Apr 2014 Branch Manager, Higashi-Sanjo Branch Jun 2016 Branch Manager, Sanjo Branch Jun 2017 Branch Manager, Tsubame Branch Oct 2020 Branch Manager, Tokamachi Branch Jun 2022 General Manager, Internal Audit Department Jun 2024 Executive Officer, General Manager, Internal Audit Department Jun 2025 Executive Officer, General Manager, Human Resources Department (current) Jun 2026 Director, General Manager, Human Resources Department (scheduled)
1965-05-10
Tatsuya SAKAI
Director
Apr 1992 Joined Daiko Bank, Ltd. Jun 2012 Head, Sales Activity Support Office, Sales Management Department Jun 2014 Deputy General Manager, Sales Management Department Jun 2016 Branch Manager, Niitsu Branch; Branch Manager, Niitsu-Nishi Branch Jun 2018 General Manager, Operations Support Department Jun 2019 General Manager, Operations Support Department; Deputy Branch Manager, Echigo Ohanabi Branch Jun 2020 General Manager, Operations Support Department; Deputy Branch Manager, Echigo Ohanabi Branch; Group Manager (Acting), Operations Support Department Jun 2022 General Manager, IT and Operations Division Jun 2024 Executive Officer, General Manager, Sales Strategy Department; Branch Manager, Echigo Ohanabi Branch (current) Jun 2026 Director, Deputy Head of Sales Headquarters, General Manager, Sales Strategy Department, Branch Manager, Echigo Ohanabi Branch (scheduled)
1964-11-18
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
TDnet
2026-07-28
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-19
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-01-30
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-20
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2025-07-29
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-20
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-01-31
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-20
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-07-30
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
2023-11-20
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-10
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-23
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
2022-08-12
Quarterly Securities Report
EDINETAmended
2022-08-05
Amended Annual Securities Report
EDINET
2022-06-24
Annual Securities Report
EDINET
2022-02-10
Quarterly Securities Report
EDINET
2021-11-19
Quarterly Securities Report
EDINET
2021-08-11
Quarterly Securities Report
EDINET
2021-06-25
Annual Securities Report
EDINET
2021-02-10
Quarterly Securities Report
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