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Overview

Banks

The Keiyo Bank,Ltd.

The Keiyo Bank is a regional financial institution headquartered in Chiba City, primarily serving Chiba Prefecture, offering a full range of banking services including deposit-taking, lending, domestic and foreign exchange, securities investment, and bancassurance. The Bank also provides trust agency services, public bond sales, and investment trust distribution through its branch network. Its three consolidated subsidiaries extend the group's capabilities into credit card services, credit guarantee and collateral assessment, and M&A advisory, fund management, and consulting.

Market Cap

¥281B

US$1.79B

¥—B

Stock¥2,378▼-2.62%

US$1 = ¥156.80 (2026-10-23)

ROE

5.6%

* LTM NI / end-of-period equity

PBR

0.9

Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+66.2%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 34.7%

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

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

9.05%

The Chiba Bank,Ltd.

4.20%

Custody Bank of Japan, Ltd. (Trust Account)

3.54%

The Keiyo Bank,Ltd. Employee Stock Ownership Association

3.12%

Sumitomo Life Insurance Company

2.93%

MORGAN STANLEY & CO. LLC (Standing Proxy: Morgan Stanley MUFG Securities Co., Ltd.)

2.62%

Chiba Prefecture Citizens' Mutual Aid Cooperative

2.55%

Meiji Yasuda Life Insurance Company

2.44%

Jun NOMURA (Standing Proxy: Mita Securities Co., Ltd.)

2.17%

Sumitomo Realty & Development Co.,Ltd.

2.06%

Management

15 officers

Toshiyuki KUMAGAI

Director, Chairman

May 1981: Joined the Bank Jun 2008: General Manager, Corporate Planning Department Jun 2009: Director, General Manager, Corporate Planning Department Jun 2012: Managing Director, General Manager, Corporate Planning Department Jun 2014: Senior Managing Director Jun 2016: Director, President Jun 2025: Director, Chairman (current)

1957-11-25

Tsuyoshi FUJITA

Director, President (Representative Director)

May 1991: Joined the Bank Jun 2018: General Manager, Corporate Planning Department Jun 2020: Executive Officer, General Manager, Corporate Planning Department Jun 2022: Managing Executive Officer Jun 2024: Director, Senior Managing Executive Officer Jun 2025: Director, President (current)

1968-02-05

Kazuo FUJISAKI

Director, Senior Managing Executive Officer (Representative Director)

May 1986: Joined the Bank Jun 2015: General Manager, Corporate Planning Department Jun 2016: Executive Officer, General Manager, General Affairs Department Jun 2019: Managing Executive Officer Jun 2020: Director, Managing Executive Officer Jun 2025: Director, Senior Managing Executive Officer (current)

1963-07-21

Shiro YAMAZAKI

Director, Managing Executive Officer

May 1992: Joined the Bank Jun 2019: General Manager, Loan Department Jun 2021: Executive Officer, General Manager, Head Office Sales Department Jun 2023: Managing Executive Officer, General Manager, Sales Coordination Department Jun 2024: Director, Managing Executive Officer, General Manager, Sales Coordination Department Oct 2024: Director, Managing Executive Officer (current)

1968-11-17

Takao FUKAYAMA

Director, Managing Executive Officer

May 1993: Joined the Bank Jun 2020: General Manager, Kisarazu Branch Jun 2022: Executive Officer, General Manager, Corporate Planning Department Jun 2024: Managing Executive Officer, General Manager, Corporate Planning Department Jun 2025: Managing Executive Officer Jun 2026: Director, Managing Executive Officer (current)

1970-01-28

Akashi SASAGAWA

Director, Managing Executive Officer

May 1993: Joined the Bank Jun 2019: General Manager, Funds and Securities Department Jun 2022: Executive Officer, General Manager, Funds and Securities Department Jun 2024: Managing Executive Officer Jun 2026: Director, Managing Executive Officer (current)

1971-02-22

Kazuhiro HIEDA

Director, Full-time Audit and Supervisory Committee Member

May 1984: Joined the Bank Jun 2018: General Manager, Risk Management Department Jun 2020: Full-time Audit and Supervisory Board Member Jun 2026: Director, Full-time Audit and Supervisory Committee Member (current)

1961-02-27

Shinichi OIKE

Director, Full-time Audit and Supervisory Committee Member

May 1987: Joined the Bank Jun 2018: General Manager, Internal Audit Department Jun 2022: Full-time Audit and Supervisory Board Member Jun 2026: Director, Full-time Audit and Supervisory Committee Member (current)

1963-04-26

Kyoichiro KAMINISHI

Director

Apr 1980: Joined Oriental Land Co., Ltd. May 2001: Secretary, General Affairs Department, Oriental Land Co., Ltd. May 2003: General Manager, General Affairs Department, Oriental Land Co., Ltd. Jun 2003: Director, General Manager, General Affairs Department, Oriental Land Co., Ltd. May 2005: Director, Executive Officer, General Manager, General Affairs Department, Oriental Land Co., Ltd. Apr 2006: Director, Executive Officer, Oriental Land Co., Ltd. Apr 2008: Director, Executive Officer, General Manager, Business Strategy Headquarters, Oriental Land Co., Ltd. Apr 2009: Representative Director, President and COO, Executive Officer, Oriental Land Co., Ltd. Jun 2009: Audit and Supervisory Board Member, Keisei Electric Railway Co., Ltd. Apr 2013: Representative Director, President and COO, Executive Officer, General Manager, Business Strategy Headquarters and General Manager, Theme Park Headquarters, Oriental Land Co., Ltd. Oct 2013: Representative Director, President and COO, Executive Officer, General Manager, Business Strategy Headquarters, Oriental Land Co., Ltd. Apr 2014: Representative Director, President and COO, Executive Officer, Oriental Land Co., Ltd. Jun 2021: Special Advisor, Oriental Land Co., Ltd. (current) Jun 2021: Retired as Audit and Supervisory Board Member, Keisei Electric Railway Co., Ltd. Apr 2022: Director (Audit and Supervisory Committee Member), Mizuho Bank, Ltd. (current) Jun 2022: Director, Keiyo Bank (current)

1958-01-15

Norio SAEGUSA

Director

Apr 1971: Joined Keisei Electric Railway Co., Ltd. Jul 1999: General Manager attached to Personnel Department, Keisei Electric Railway Co., Ltd. Jun 2004: Director, General Manager, Transportation Department, Railway Headquarters, Keisei Electric Railway Co., Ltd. Jun 2005: Director, Deputy General Manager, Railway Headquarters and General Manager, Transportation Department, Keisei Electric Railway Co., Ltd. Jun 2006: Managing Director, General Manager, Railway Headquarters, Keisei Electric Railway Co., Ltd. Jun 2008: Representative Director, Senior Managing Director, General Manager, Railway Headquarters, Keisei Electric Railway Co., Ltd. Jun 2010: Representative Director, Executive Vice President, Keisei Electric Railway Co., Ltd. Jun 2011: Representative Director, President, Keisei Electric Railway Co., Ltd. Jun 2017: Representative Director, Chairman, Keisei Electric Railway Co., Ltd. Jun 2020: Audit and Supervisory Board Member, Oriental Land Co., Ltd. (current) Jun 2021: Senior Advisor, Keisei Electric Railway Co., Ltd. (current) Jun 2026: Director, Keiyo Bank (current)

1949-02-11

Tsuneo YAMAMOTO

Director

Mar 1978: Joined Hitachi, Ltd. Apr 2015: COO, System & Service Division, Information & Telecommunication Systems Company, Information & Telecommunication Systems Group, Hitachi, Ltd. Apr 2015: Chairman, Hitachi eBworx Sdn. Bhd. Apr 2015: Director, Hitachi Omron Terminal Solutions, Corp. (now Hitachi Channel Solutions Corp.) Apr 2016: CEO, Financial Services Business Unit and CEO, Public Business Unit, Hitachi, Ltd. Mar 2017: Retired as CEO, Public Business Unit, Hitachi, Ltd. Apr 2017: Executive Vice President, CEO, Financial Services Business Unit, Hitachi, Ltd. Apr 2017: Chairman, Hitachi Payment Services Pvt. Ltd. Mar 2019: Retired as Chairman, Hitachi eBworx Sdn. Bhd. Mar 2019: Retired as Director, Hitachi Omron Terminal Solutions, Corp. Mar 2019: Retired as Chairman, Hitachi Payment Services Pvt. Ltd. Mar 2021: Retired as Executive Vice President, CEO, Financial Services Business Unit, Hitachi, Ltd. Apr 2021: Representative Director, President, Hitachi Solutions, Ltd. Apr 2025: Senior Adviser, Hitachi Solutions, Ltd. Apr 2026: Honorary Senior Adviser, Hitachi Solutions, Ltd. (current) Jun 2026: Director, Keiyo Bank (current)

1959-08-27

Junichi IWAHARA

Director, Audit and Supervisory Committee Member

Sep 1969: Joined Miyasaka Certified Public Accountant Office Apr 1970: Joined Daiichi Audit Corporation (now EY ShinNihon LLC) Apr 1973: Registered as Certified Public Accountant Jan 1988: Representative Partner, Century Audit Corporation Jun 2011: Left ShinNihon LLC (now EY ShinNihon LLC) Jul 2011: Established Iwahara Certified Public Accountant Office (current) Jun 2020: Audit and Supervisory Board Member, Keiyo Bank Apr 2025: Member, Audit Committee, City of Nagareyama (current) Jun 2026: Director, Audit and Supervisory Committee Member, Keiyo Bank (current)

1946-09-20

Tomoko TOBE

Director, Audit and Supervisory Committee Member

Apr 1980: Joined Chiba Prefectural Government Apr 2013: Chief, Economic Policy Division, Commerce and Labor Department, Chiba Prefectural Government Apr 2014: Deputy Director-General, Commerce and Labor Department, Chiba Prefectural Government Apr 2015: General Manager, Public Safety and Wildlife Damage Control Department, Chiba Prefectural Government Apr 2016: Secretary-General, Labor Relations Commission, Chiba Prefectural Government Mar 2017: Retired from Chiba Prefectural Government Apr 2017: Secretary-General, Chiba Branch, Japanese Red Cross Society Mar 2020: Retired from Chiba Branch, Japanese Red Cross Society Jun 2020: Director, Keiyo Bank Jun 2026: Director, Audit and Supervisory Committee Member, Keiyo Bank (current)

1957-01-19

Mariko TAMURA

Director, Audit and Supervisory Committee Member

Mar 1987: Joined The Imperial Hotel, Ltd. Apr 2016: General Manager, Human Resource Development Department, The Imperial Hotel, Ltd. Apr 2018: General Manager, Internal Control Department, The Imperial Hotel, Ltd. Dec 2021: General Manager, Internal Audit Department, The Imperial Hotel, Ltd. Apr 2023: Executive Officer, General Manager, Internal Audit Department, The Imperial Hotel, Ltd. Jun 2024: Full-time Audit and Supervisory Board Member, The Imperial Hotel, Ltd. (current) Jun 2026: Director, Audit and Supervisory Committee Member, Keiyo Bank (current)

1965-02-18

Rumiko MUKOHATA

Director, Audit and Supervisory Committee Member

Oct 2005: Joined Yamasaki Sogo Law Office; registered as attorney Dec 2010: Left Yamasaki Sogo Law Office Jan 2011: Established Abe, Mukohata & Suzuki Law Office Nov 2018: Left Abe, Mukohata & Suzuki Law Office Dec 2018: Established Quon Linkage Law Office (current) Jun 2026: Director, Audit and Supervisory Committee Member, Keiyo Bank (current)

1978-08-03

Large Shareholding Reports

Wellington Management Company LLP

2026-01-20

4.55%→5.66%

Wellington Management Company LLP

2025-12-03

4.55%

Disclosures

No disclosures

Primary Source Filings

TDnet

2026-07-31

Q1 Earnings Flash

FY ending Mar 2027

The Keiyo Bank,Ltd.

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