THE SHIGA BANK,LTD.
8366・Prime Market・Banks
Banking Business
Single business segment of a regional financial institution based in Shiga Prefecture
| Period | Current | Previous | Change |
|---|---|---|---|
| Ordinary income (consolidated, full year) | ¥159,056 million | ¥133,109 million | ↑ |
| Ordinary profit (consolidated, full year) | ¥29,031 million | ¥18,949 million | ↑ |
| Profit attributable to owners of parent (consolidated, full year) | ¥21,293 million | ¥18,720 million | ↑ |
| Loan balance (consolidated, fiscal year-end) | ¥4,588,660 million | ¥4,529,399 million | ↑ |
| Deposit balance (consolidated, fiscal year-end) | ¥5,950,294 million | ¥5,806,185 million | ↑ |
| Net interest income (non-consolidated, full year) | ¥75,488 million | ¥64,100 million | ↑ |
| Real net business profit before provision for general allowance for loan losses (non-consolidated) | ¥15,758 million | ¥13,691 million | ↑ |
| Core net business profit (non-consolidated) | ¥45,763 million | ¥33,932 million | ↑ |
| Credit cost (non-consolidated) | △¥164 million | ¥4,234 million | ↑ |
| Net assets (consolidated, fiscal year-end) | ¥509,025 million | ¥444,811 million | ↑ |
| Total assets (consolidated, fiscal year-end) | ¥7,669,084 million | ¥7,528,217 million | ↑ |
| Capital adequacy ratio (international standard, non-consolidated) | 12.90% | 13.34% | ↓ |
| Earnings per share (consolidated, adjusted for stock split) | ¥92.28 | ¥79.94 | ↑ |
| Net assets per share (consolidated, adjusted for stock split) | ¥2,214.32 | ¥1,930.52 | ↑ |
| Annual dividend per share (before stock split) | ¥140.00 | ¥90.00 | ↑ |
| Ratio of disclosed claims under the Financial Reconstruction Act (non-consolidated) | 1.53% | 1.77% | ↑ |
| Total interest margin (non-consolidated, all branches) | 0.36% | 0.25% | ↑ |
Business Details
The Bank's group consists of a single segment, the Banking Business. Its primary markets are Shiga Prefecture and Kyoto Prefecture, where it conducts banking operations including deposits, lending, domestic and foreign exchange, and securities investment. Consolidated subsidiaries handle related businesses such as leasing, credit cards, guarantees, energy, and capital partners, providing community-based financial services leveraging group-wide consulting capabilities. The Bank is currently advancing its 8th Medium-Term Management Plan under the purpose statement established in April 2024, "Making the region happy through Sanpo-yoshi (mutual benefit for all three parties)."
Recent Overview
Net interest income increased significantly due to rising interest rates, and ordinary profit rose sharply by 53% year on year
In FY2026 (ending March 2026), against the backdrop of the Bank of Japan's policy rate hikes, interest on loans increased ¥10,674 million year on year and interest and dividends on securities increased ¥4,317 million, expanding non-consolidated net interest income to ¥75,488 million (up ¥11,388 million year on year). Gains/losses related to equities, etc. also increased to ¥10,389 million (up ¥3,273 million year on year), and credit cost improved significantly to △¥164 million. Consolidated ordinary profit reached ¥29,031 million (up 53.2% year on year), and profit attributable to owners of parent reached ¥21,293 million (up 13.7% year on year). Comprehensive income recovered significantly to ¥70,627 million, from △¥38,097 million in the prior fiscal year. As a subsequent event, on April 17, 2026, the Bank entered into a capital and business alliance with Ikeda Senshu Holdings, Inc. (the "Ikeda Senshu-Shiga Alliance"). In addition, effective April 1, 2026, the Bank carried out a 5-for-1 stock split of its common stock.
Key Products
Growth Drivers
- Increase in interest on loans due to the Bank of Japan's policy rate hikes (non-consolidated: up ¥10,674 million year on year, with loan yield rising to 1.30%) and increase in interest on due from banks (up ¥2,182 million year on year)
- Steady increase in loan balance (consolidated fiscal year-end: ¥4,588,660 million, up ¥59,261 million from the prior fiscal year-end) and expansion of consumer loan balance (non-consolidated: ¥1,332,565 million, up ¥102,515 million from the prior fiscal year-end)
- Increase in gains/losses related to equities, etc. (non-consolidated: ¥10,389 million, up ¥3,273 million year on year) and significant improvement in credit cost (non-consolidated: △¥164 million, down ¥4,399 million year on year)
- Significant improvement in valuation gains/losses on other securities (non-consolidated: ¥145,612 million, up ¥46,478 million from the prior fiscal year-end), expanding net assets and capital
- Deepening of business collaboration in the corporate, individual, sustainability, and human resources/digital fields through the capital and business alliance with Ikeda Senshu Holdings (the "Ikeda Senshu-Shiga Alliance")
- Projected expansion of the interest margin toward FY2027 (ending March 2027), with loan yield expected to reach 1.59% (up 0.29 percentage points year on year) and deposit yield expected to reach 0.44% (up 0.20 percentage points year on year)
Risks
- Expansion of other business expenses due to increased losses on sales of government bonds and other securities (non-consolidated: ¥30,368 million, up ¥9,870 million year on year) and deterioration in gains/losses related to bonds, etc. (non-consolidated: △¥20,191 million)
- Rising funding costs due to increases in deposit interest rates (non-consolidated interest on deposits, etc.: ¥14,265 million, up ¥8,560 million year on year), and the risk of further cost increases amid future interest rate hikes
- Risk of regional economic stagnation due to population decline, low birthrate and aging population, and price increases, along with concerns over rising credit costs amid deteriorating corporate earnings
- Pressure on profitability from rising expenses, including personnel expenses (up ¥2,287 million year on year) and non-personnel expenses (up ¥1,342 million year on year) (non-consolidated total expenses: ¥48,406 million, up ¥3,867 million year on year)
- Decline in the capital adequacy ratio (international standard, non-consolidated) (12.90%, down 0.44 percentage points from the prior fiscal year-end) and constraints on capital management due to increased risk assets
- Impact on financial markets and risk to the securities portfolio from unstable international conditions, including heightened tensions in the Middle East, exchange rate fluctuations, and long-term interest rate volatility
Last updated: June 17, 2026