Shizuoka Bank
A major Japanese regional bank headquartered in Shizuoka Prefecture, serving households, businesses, and regional economic development.
Last updated August 22, 2026
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Overview
Shizuoka Bank is a Japanese regional banking institution headquartered in Shizuoka, Shizuoka Prefecture. It is one of the larger regional banks in Japan and has built its business around a substantial domestic branch network, particularly across the Tokai region between Tokyo and Osaka. The bank serves retail customers, small and medium-sized enterprises, larger companies, public-sector bodies, and other local institutions through conventional banking and related financial services. The institution was created on March 1, 1943, through the merger of Shizuoka Sanjyu-go Ginkō and Enshu Ginkō. Its formation brought together banking operations serving different parts of Shizuoka Prefecture during a period when Japan was consolidating financial institutions. The resulting bank developed a strong regional presence and became an important source of deposits, credit, payments, and business finance for Shizuoka and surrounding areas. Its core offerings include deposit accounts, lending, domestic and international payments, foreign exchange, investment trusts, insurance-related products, and other financial services. The bank's role extends beyond transaction banking: as a regional financial institution, it provides working capital, investment finance, and relationship-based support to companies and organizations operating in its main service area. Its branch network has historically exceeded 190 domestic locations, with the greatest concentration in the Tokai region. It has also maintained overseas offices in Los Angeles, New York, Brussels, Hong Kong, Shanghai, and Singapore, supporting customers with international business, trade, investment, and foreign-exchange needs. Shizuoka Bank has been publicly traded on the Tokyo Stock Exchange since October 1961. Its position in the Japanese banking sector is that of a regionally focused institution with a broad service portfolio and significant local scale rather than a nationwide megabank. The bank has also maintained business connections with Mitsubishi UFJ Financial Group through joint-venture subsidiaries involved in credit cards and securities brokerage. These relationships extend the range of services available to customers while preserving the bank's regional identity. The bank's history also includes an international operational episode connected with the September 11, 2001 attacks in the United States. Its New York branch was located in the World Trade Center at the time of the attacks; according to the cited reference material, none of the bank's employees were killed. In 2002, Fitch commented favorably on the bank's performance and strength indicators, describing them as superior to those of major Japanese banks at that time. Today, Shizuoka Bank is best understood as a regional financial-services brand anchored in Shizuoka Prefecture, with a combination of traditional commercial banking, retail finance, investment-related services, and cross-border support. Its competitive identity rests on regional relationships, a large local network, and the ability to connect Japanese customers and companies with broader domestic and international financial markets.
History
Shizuoka Bank was established on March 1, 1943, through the merger of Shizuoka Sanjyu-go Ginkō and Enshu Ginkō. The combination created a banking institution with roots in two important parts of Shizuoka Prefecture and provided the foundation for the bank's later role as one of Japan's major regional banks. After its formation, Shizuoka Bank developed a branch-based banking model centered on Shizuoka Prefecture and the wider Tokai region. Its principal activities have included taking deposits, extending credit to households and companies, processing payments, and supporting local commerce and industry. Over time, its domestic network expanded to more than 190 branches, with locations concentrated in the corridor between Tokyo and Osaka. This geographic footprint reflects the bank's regional focus while giving it access to one of Japan's most economically significant areas. The bank became a listed company on the Tokyo Stock Exchange in October 1961. Public-market status gave Shizuoka Bank a continuing presence in Japan's listed financial sector while its operating identity remained tied to regional banking. In addition to conventional banking, it expanded into related financial activities, including foreign exchange, investment trusts, insurance distribution, and services connected with securities and credit cards. Shizuoka Bank also established an international network. Overseas offices have included locations in Los Angeles, New York, Brussels, Hong Kong, Shanghai, and Singapore. These offices supported the international requirements of Japanese companies and other customers, including cross-border payments, trade finance, foreign exchange, and overseas business activity. The overseas presence complemented rather than replaced the bank's domestic regional franchise. The bank has maintained ties with Mitsubishi UFJ Financial Group through joint-venture subsidiaries involved in credit cards and stock brokerage. These arrangements linked Shizuoka Bank to wider financial capabilities while allowing it to continue operating as a regionally anchored bank. They also illustrate the way Japanese regional banks have used partnerships to provide services beyond traditional deposits and loans. A notable event in the bank's international history occurred during the September 11, 2001 attacks in the United States. Shizuoka Bank's New York branch was located in the World Trade Center at the time. The cited account reports that none of the bank's employees were killed. The event remains part of the institution's documented history because it directly affected one of its overseas operations. In 2002, Fitch gave Shizuoka Bank a strong assessment, saying that its overall performance and strength indicators were superior to those of major Japanese banks at that time. This evaluation reinforced the bank's reputation as a financially strong regional institution. Across its history, the bank's principal continuity has been its combination of local relationship banking, a broad domestic network, selected international operations, and an expanding range of financial products. It remains a Shizuoka-centered banking brand serving retail, corporate, and community customers.
- 2002
Fitch assessment
[1]Fitch praised the bank's overall performance and strength indicators relative to major Japanese banks.
- 2001
New York branch affected by September 11 attacks
[1]The bank's New York branch was located in the World Trade Center during the September 11 attacks; the cited reference reports no employee fatalities.
- 1961
Tokyo Stock Exchange listing
[1]Shizuoka Bank was listed on the Tokyo Stock Exchange in October 1961.
- 1943
Formation through merger
[1]Shizuoka Sanjyu-go Ginkō and Enshu Ginkō merged on March 1, 1943, forming Shizuoka Bank.
Products and positioning
A large regional bank combining relationship-based banking in Shizuoka and the Tokai region with broader domestic and international financial services.
Retail banking
Deposit accounts
Deposit-taking is a foundational part of Shizuoka Bank's regional banking model. The bank gathers household, business, and institutional deposits through its domestic branch network and uses that funding base to support lending and other financial activities. Specific account types and current terms are not detailed in the cited reference material.
Retail and commercial banking
Loans
Shizuoka Bank provides lending as part of its service to individuals, companies, and local organizations. Its regional position makes business and relationship-based finance an important element of the franchise, while retail lending supports household financial needs. The available reference material does not specify individual loan products, rates, or portfolio figures.
International banking
Foreign exchange and international banking
Foreign-exchange and international banking services support customers involved in overseas payments, trade, investment, and business operations. The bank's overseas offices in North America, Europe, and Asia provide an international complement to its domestic regional network. Detailed product specifications are not provided in the cited sources.
Investment products
Investment trusts
Investment trusts are among the investment-related products offered through the bank's broader financial-services platform. They extend the institution's role beyond deposits and lending by giving customers access to professionally managed investment products. The available material does not identify particular funds or distribution arrangements.
Insurance distribution
Insurance products
Insurance is part of Shizuoka Bank's comprehensive financial-services offering. Insurance-related distribution enables the bank to address protection and planning needs alongside everyday banking and investment services. Specific insurers, policy categories, and current availability are not stated in the cited reference material.
Recent events
- 2002
Fitch praises Shizuoka Bank's performance and strength indicators[1]
Other
Fitch publicly assessed Shizuoka Bank favorably, stating that its overall performance and strength indicators exceeded those of major Japanese banks at the time.
- 2001
Shizuoka Bank New York branch affected by September 11 attacks[1]
Other
The bank's New York branch was located in the World Trade Center when the September 11 attacks occurred. The cited reference states that none of the bank's employees were killed.
- 1961
Shizuoka Bank listed on the Tokyo Stock Exchange[1]
Other
The bank began trading on the Tokyo Stock Exchange in October 1961.
- 1943
Shizuoka Bank formed through the merger of two regional banks[1]
M&A
Shizuoka Sanjyu-go Ginkō and Enshu Ginkō merged on March 1, 1943, creating the institution that became Shizuoka Bank.
Sources4 sources
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