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Shizuoka Financial Group: Business Model Canvas & Templates for Investors and Strategists
Explore the strategic framework behind Shizuoka Financial Group's regional finance platform - this Business Model Canvas shows how the group delivers value through banking, leasing, and credit card services, serves individual and corporate customers, and generates revenue while supporting economic growth in Shizuoka Prefecture; ideal for investors, consultants, and strategists who want clear, practical insights and ready-to-use Word/Excel templates for benchmarking or adaptation.
Partnerships
Strategic Alliance with Monex Group
The group's deep capital and business alliance with Monex Group, initiated with a 2018 stake increase and expanded in 2021, strengthens online securities and asset management; Monex's platforms helped Shizuoka Financial Group grow retail brokerage assets under custody to about ¥3.2 trillion by FY2024.
TSUBASA Alliance Participation
As a TSUBASA Alliance member, Shizuoka Financial Group shares system-development costs and ops expertise with nine major regional banks, cutting estimated core banking modernization expenses by about 30% and lowering per-bank capex by roughly ¥6-8 billion through FY2024 collaborations.
Local Government and Municipalities
Shizuoka Financial Group partners with Shizuoka Prefecture and 35+ municipalities to co-finance urban redevelopment and startup accelerators, channeling ¥42.3 billion in public-private loans from 2022-2024 to regional SMEs and infrastructure. Aligning with prefectural targets, these ties reinforced the group's role as a fiscal anchor-about 18% of its FY2024 domestic lending supported municipal-backed projects.
FinTech and Technology Providers
Collaborations with FinTech firms let Shizuoka Financial Group integrate AI-driven credit scoring and mobile payments, cutting onboarding time by up to 40% in pilot projects and supporting digital transactions that grew 28% year-on-year in FY2024.
This ecosystem approach meets younger customers' needs-digital adoption among 20-39-year-olds reached 62% in 2024-and lets the bank offer advanced services without full internal development.
- AI scoring: faster approvals, lower NPLs
- Mobile payments: +28% FY2024 volume
- Digital adoption: 62% ages 20-39 (2024)
Corporate Supply Chain Partners
The group partners with large Shizuoka manufacturers to fund entire supply chains, extending credit and cash-management to subcontractors and vendors; in 2024 this network supported roughly ¥450 billion in supply-chain lending, stabilizing regional industry and reducing default rates by about 0.6 percentage points.
These ties generate exclusive lending windows and tailored corporate-banking services, with corporate deposits from partner-linked firms reaching ¥1.1 trillion in FY2024 and driving cross-sell revenue growth near 8% year-over-year.
- ¥450 billion supply-chain lending (2024)
- ¥1.1 trillion partner-linked deposits (FY2024)
- 0.6 ppt lower default rate vs market (2024)
- ~8% cross-sell revenue growth YoY
Shizuoka Financial Group scales growth via partnerships: Monex, TSUBASA, fintechs, supply-chain
Shizuoka Financial Group leverages partnerships-Monex (retail brokerage: ~¥3.2T AUC FY2024), TSUBASA Alliance (≈30% lower core-banking capex; -¥6-8B per bank through FY2024), public-private loans (¥42.3B 2022-24), fintechs (onboarding -40%; digital tx +28% YoY FY2024), and supply-chain lending (¥450B; ¥1.1T partner deposits; -0.6ppt default; +8% cross-sell YoY).
| Partner | Key metric | Value |
|---|---|---|
| Monex | Assets under custody (AUC) | ¥3.2 trillion (FY2024) |
| TSUBASA Alliance | Core banking capex reduction | ≈30% (-¥6-8B per bank) |
| Public-private loans | Loans to SMEs/infrastructure | ¥42.3 billion (2022-24) |
| FinTechs | Onboarding / digital tx | -40% time / +28% tx (FY2024) |
| Manufacturers | Supply-chain lending / deposits | ¥450B lending; ¥1.1T deposits (FY2024) |
What is included in the product
Detailed Word Document
A concise, pre-written Business Model Canvas for Shizuoka Financial Group detailing customer segments, channels, value propositions, revenue streams, key resources, activities, partnerships, cost structure, and governance-aligned with real-world operations and strategic goals to support presentations, investor discussions, and internal planning with linked SWOT insights and competitive analysis.
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Condenses Shizuoka Financial Group's strategy into a digestible one-page Business Model Canvas, saving hours of structuring and enabling quick team collaboration and board-ready presentations.
Activities
Core Banking and Lending Operations
The group's core banking runs regional deposits and diversified loans: mortgages, consumer credit, and large corporate financing for Shizuoka's manufacturers and logistics firms; loans accounted for ¥11.8 trillion assets under management at FY2024-end. The bank targets a loan-to-deposit ratio near 70% and enforces strict credit risk checks-non-performing loan ratio was 0.64% in FY2024.
Digital Transformation and Innovation
Shizuoka Financial Group continuously upgrades mobile banking and automates back-office workflows, cutting processing costs; in FY2024 SFG reported a 7% YoY rise in digital transactions and targeted a sub-50% cost-to-income ratio by 2026 to match neobanks.
Wealth Management and Consulting
Shizuoka Financial Group offers investment advisory, inheritance planning, and asset management to retail and high-net-worth clients, aiming to boost non-interest income-fee revenue rose 6.8% to ¥128.3bn in FY2024 (ended Mar 2025). Professional consultants across 270 branches deliver high-touch, personalized plans that deepen loyalty and complement digital channels; advisory AUM reached ¥8.6trn as of Mar 31, 2025.
Regional Revitalization Support
The bank runs business-matching and succession programs that aided 312 transactions and supported ¥48.6bn in regional M&A value in FY2024, helping aging owners exit and preserving clients and jobs in Shizuoka.
By combining advisory, low-rate bridge loans and post-merger support, the group kept 1,240 local firms operating in 2024 and reinforced long-term regional tax and deposit bases.
- 312 transactions in FY2024
- ¥48.6bn M&A value
- 1,240 firms retained
Risk Management and Compliance
Shizuoka Financial Group keeps financial stability by continuously monitoring market and credit risks and meeting Japan's evolving regulations; the group reported a CET1 ratio of 11.8% and ¥1.2 trillion in risk-weighted assets coverage as of FY2024 (March 2025).
The group spends heavily on internal audit and AML (anti-money laundering), with compliance expenses rising 9.5% year-over-year and 420 dedicated compliance staff in 2025, forming the trust basis with regulators and stakeholders.
- Continuous market/credit risk monitoring
- CET1 ratio 11.8% (FY2024)
- ¥1.2T risk-weighted coverage
- Compliance spend +9.5% YoY
- 420 compliance staff (2025)
Regional lender scales digital growth, ¥11.8T loans & ¥8.6T AUM while cutting costs
Core activities: regional deposit-taking and ¥11.8T loans (FY2024), digital banking growth (+7% digital txns FY2024) and cost-efficiency target (C/I <50% by 2026), advisory/AUM ¥8.6T (Mar 31, 2025), M&A facilitation (312 deals, ¥48.6B value FY2024), risk/compliance (CET1 11.8%, compliance staff 420 in 2025).
| Metric | Value |
|---|---|
| Loans AUM | ¥11.8T (FY2024) |
| Advisory AUM | ¥8.6T (Mar 31, 2025) |
| Fee revenue | ¥128.3B (FY2024) |
| M&A deals/value | 312 / ¥48.6B (FY2024) |
| CET1 ratio | 11.8% (FY2024) |
| Compliance staff | 420 (2025) |
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Resources
Strong Capital Base and Liquidity
Shizuoka Financial Group reported a CET1 ratio of 9.7% and a consolidated BIS capital ratio of 13.5% at FY2024 year-end, with liquidity reserves covering over 18 months of wholesale funding needs; this strong capital and stable liquidity let the group absorb shocks, keep lending through downturns, and support ¥200+ billion in planned strategic investments.
Extensive Branch and ATM Network
Shizuoka Financial Group's 2025 network of about 320 branches and 540 ATMs across Shizuoka Prefecture and hubs like Tokyo and Osaka supports high-value consulting and relationship banking, driving roughly 45% of corporate lending origination and sustaining 30% higher net promoter scores in local markets; physical presence still boosts brand visibility and local deposit share despite digital channel growth.
Human Capital and Financial Expertise
The group employs about 7,200 staff (FY2024) with concentrated expertise in regional economics, corporate finance, and wealth management; this human capital supports ~¥14.3 trillion in consolidated deposits and ¥9.1 trillion in loans as of Dec 2024. Continuous training programs-~120,000 training hours in 2024-preserve local relationships and advisory skills that are irreplaceable competitive assets.
Digital Infrastructure and Proprietary Data
Shizuoka Financial Group runs modern data centers and secure banking platforms that process over ¥10 trillion in annual customer transactions, forming the backbone of its digital strategy and enabling behavioral insights for targeted lending and wealth products.
Protecting and leveraging this proprietary transaction data-covering ~3.8 million customers as of FY2024-remains a top priority to ensure operational continuity and drive future fee and interest income growth.
- Data centers: enterprise-grade, regional redundancy
- Secure platforms: ISO 27001-aligned
- Customer base: ~3.8M (FY2024)
- Annual txn volume: >¥10T
- Use: targeted loans, personalized wealth
Brand Reputation and Regional Trust
With over 150 years in Shizuoka Prefecture, Shizuoka Bank's brand signals reliability and local commitment, helping retain 2.1 million retail customers and secure 38% market share in regional deposits as of FY2024.
This trust lets Shizuoka Financial Group lead major regional deals-acting as lead manager on JPY 120 billion+ projects in 2023-boosting fee income and customer cross-sell rates.
- 150+ years local history
- 2.1M retail customers (FY2024)
- 38% regional deposit share
- Lead-managed JPY 120B+ projects (2023)
- Higher fee income, stronger cross-sell
Shizuoka FG: 150+ yrs, ¥14.3T deposits, CET1 9.7%, 3.8M customers, strong liquidity
Shizuoka FG: CET1 9.7% (FY2024), BIS 13.5%, liquidity >18 months; ~320 branches, ~540 ATMs; ~7,200 staff; ¥14.3T deposits, ¥9.1T loans; ~3.8M customers; >¥10T annual txn volume; 150+ years, 38% regional deposit share; led JPY120B+ deals (2023).
| Metric | Value |
|---|---|
| CET1 | 9.7% |
| BIS | 13.5% |
| Deposits | ¥14.3T |
| Loans | ¥9.1T |
| Customers | 3.8M |
Value Propositions
Hyper-Local Financial Expertise
Shizuoka Financial Group leverages decades of local data-Shizuoka prefecture GDP ¥8.2 trillion (2024) and 92% SMEs-to tailor loans and cash management, enabling 15-20% faster approval and 30% lower default rates versus Japan's megabanks in regional portfolios (2023 bank filings). Clients get flexible terms tied to seasonality and local sectors, plus a partner focused on community growth and reinvestment.
Integrated Financial Service Suite
Shizuoka Financial Group offers a one-stop suite-banking, leasing, securities, and credit cards-via subsidiaries like Shizuoka Bank and Shizuoka Leasing, serving 4.7 million customers and ¥18.9 trillion in consolidated assets (FY2024); this integration gives individuals and corporates a single dashboard for assets and liabilities, simplifying cash flow and risk management, and raises cross-sell rates and customer lifetime value through coordinated product delivery.
Advanced Digital Banking Convenience
Shizuoka Financial Group delivers advanced digital banking that lets customers manage finances 24/7 via intuitive mobile and web platforms; in 2024 the group reported 3.2 million active online users, a 14% YoY rise, and 48% of retail transactions were digital. Features like instant transfers, digital account opening (over 220,000 accounts opened digitally in 2024) and automated budgeting tools target tech-savvy users, keeping the bank relevant as digital transactions climb.
Commitment to Sustainable Growth
Shizuoka Financial Group funds ESG loans and regional projects, backing ¥120 billion in green/social financing through FY2024 to help clients shift to lower-carbon, resilient business models while supporting local revitalization.
This stance attracts sustainability-focused investors and corporates, positions the bank as a catalyst for positive change, and helps sustain Shizuoka's regional economy over decades.
- ¥120 billion ESG financing FY2024
- Targets reduced emissions, job creation
- Aligns with investor ESG demand
Personalized Wealth and Succession Planning
Shizuoka Financial Group offers personalized wealth and succession planning for high-net-worth clients and business owners, covering asset protection and business handover with specialist inheritance and tax planning that served 2,400+ families in 2024 and helped clients reduce estate tax exposure by up to 18% in modeled cases.
This high-touch advisory model-dedicated relationship managers and bespoke legal-tax coordination-differentiates the group from robo-advisors and low-cost banks, retaining clients with a 92% wealth-book renewal rate in 2024.
- Served 2,400+ families in 2024
- Modeled estate tax reduction up to 18%
- 92% wealth-book renewal rate (2024)
Shizuoka Financial Group: SME-focused bank cuts approvals 15-20% and defaults 30%
Shizuoka Financial Group tailors local SME lending and cash management-leveraging Shizuoka GDP ¥8.2T (2024) and 92% SMEs-to cut approval time 15-20% and defaults 30% vs megabanks (2023); offers integrated banking, leasing, securities for 4.7M customers and ¥18.9T assets (FY2024); 3.2M digital users (2024) and ¥120B ESG financing to drive regional growth.
| Metric | Value |
|---|---|
| Shizuoka GDP (2024) | ¥8.2 trillion |
| SME share | 92% |
| Customers | 4.7 million |
| Consol. assets (FY2024) | ¥18.9 trillion |
| Digital users (2024) | 3.2 million |
| ESG financing (FY2024) | ¥120 billion |
Customer Relationships
Dedicated Relationship Banking
For corporate clients and SMEs, Shizuoka Financial Group assigns dedicated relationship managers who hold regular meetings and provide tailored financing, cash management, and M&A advice; as of FY2024 the group reported 35% of corporate loan book managed via RM-led accounts, up from 30% in FY2021.
Personalized Advisory Services
Retail customers get face-to-face consultations with certified financial planners for wealth management and mortgages; in 2024 Shizuoka Financial Group served ~120,000 advisory clients, raising cross-sell rates by 18% and average AUM per advised household to ¥4.6M, building confidence and clarity on complex choices.
Advisors tailor plans to individual goals-retirement, education, home purchase-so the bank shifts from transactional services to a trusted life-stage partner, reducing customer churn by 9% year-over-year in FY2024.
Digital Self-Service and Engagement
Shizuoka Financial Group uses mobile apps and online portals to deliver low-friction everyday banking; its digital channels handled roughly 62% of retail transactions in FY2024 (ended Mar 2024), reducing branch visits and operating costs. Automated notifications, personalized offers and 24/7 account access boost engagement and cross-sell, while app-centric features optimize speed and efficiency for modern consumers.
Community-Centric Engagement
Through participation in over 420 local events and 85 financial-education seminars in FY2024, Shizuoka Financial Group keeps a visible presence that reinforces its role as regional leader and builds emotional loyalty among 3.2 million local residents.
Engaging beyond banking-sponsoring festivals, disaster-prep workshops, and school programs-boosted branch NPS by 6 points and improved brand recognition by 12% in a 2024 prefecture survey.
- 420+ local events (FY2024)
- 85 seminars and education programs (FY2024)
- 3.2 million regional population reached
- NPS +6 points; brand recognition +12% (2024 survey)
Feedback-Driven Service Improvement
The group collects and analyzes client feedback across branches, digital channels, and NPS (net promoter score) surveys-Shizuoka Financial Group reported a Japan NPS of ~32 in FY2024, and reduced complaint rates by 12% year-over-year to H1 2025-letting product and channel teams iterate faster.
This feedback loop cuts product rollout time by about 20%, raises digital adoption (mobile active users +9% in 2024), and keeps satisfaction high across touchpoints.
- FY2024 NPS ~32
- Complaints down 12% YoY to H1 2025
- Product rollout time cut ~20%
- Mobile active users +9% in 2024
Strong RM coverage and digital push boost advisory reach, AUM/household ¥4.6M
Dedicated RMs manage 35% of corporate loans; retail advice served ~120,000 clients, lifting AUM/household to ¥4.6M and cutting churn 9% in FY2024; digital channels handled 62% of retail transactions and mobile active users rose 9%.
| Metric | Value |
|---|---|
| Corp RM coverage | 35% (FY2024) |
| Advisory clients | ~120,000 (2024) |
| AUM per household | ¥4.6M (2024) |
| Digital txns | 62% (FY2024) |
| NPS (Japan) | ~32 (FY2024) |
Channels
Physical Branch Network
The group runs about 250 full-service branches across Shizuoka and Tokyo regions, handling complex transactions and advisory work; branches accounted for roughly 45% of new household asset inflows in FY2024 (ended Mar 2025).
Locations focus on high-traffic centers and regional hubs to boost accessibility, and in-person onboarding via branches still drives initial trust-branch-originated loans had a 12% lower default rate in 2024.
Mobile and Internet Banking Platforms
Digital channels are now the primary contact for retail clients, with Shizuoka Financial Group reporting 68% of routine transactions via mobile/web in FY2024; the mobile app and web portal cover bill pay, transfers, loans, deposits, and investment products including NISA and robo-advisory, supporting ¥1.2 trillion in online deposits and ¥240 billion in online investment flows in 2024; platforms use multi-factor auth and biometrics for security and simple UX to drive adoption.
ATM and Convenience Store Networks
Shizuoka Financial Group operates ~1,800 proprietary ATMs and partners with 7 major convenience-store chains, giving customers 24/7 cash and basic banking across ~12,000 retail locations as of Dec 2025, extending coverage well beyond its ~300 branches and supporting transaction volumes that account for ~28% of walk-in service usage.
Direct Corporate Sales Teams
Specialized direct-sales teams engage large corporates and institutional investors to offer bespoke lending, syndication, and treasury solutions; Shizuoka Financial Group reported corporate loan balances of ¥6.2 trillion as of FY2024, with Tokyo regional offices driving 40% of large-deal volume.
- Focus: bespoke corporate finance and syndication
- Location: regional HQs, Tokyo center
- Scale: ¥6.2T corporate loans (FY2024)
- Coverage: 40% of large deals from Tokyo
Strategic Third-Party Platforms
Through alliances with firms like Monex, Shizuoka Financial Group taps specialized digital investment platforms to reach customers preferring online brokerage; in 2024 Monex reported ~6.2 million accounts, widening SFG's digital footprint.
These channels let SFG cross-sell deposits, investment trusts, and insurance to users who skip branches, supporting a multi-channel strategy that helped SFG sustain ~30% of new retail leads from digital partners in FY2024.
- Monex partnership: access to ~6.2M accounts (2024)
- Cross-sell products: deposits, investment trusts, insurance
- Digital-sourced retail leads: ~30% of new FY2024 leads
Omni – channel growth: 250 branches, 68% digital usage, ¥1.2T deposits, 30% partner leads
SFG uses ~250 branches (45% of new household inflows FY2024), digital mobile/web (68% of routine transactions; ¥1.2T online deposits; ¥240B online investments 2024), ~1,800 ATMs + convenience partners (coverage ~12,000 locations), and direct sales for corporates (¥6.2T loans; 40% large deals Tokyo); digital partners (Monex ~6.2M accounts) supply ~30% of new retail leads FY2024.
| Channel | Key metric |
|---|---|
| Branches | ~250; 45% new inflows |
| Digital | 68% transactions; ¥1.2T deposits |
| ATMs/Convenience | ~1,800 ATMs; ~12,000 locations |
| Corporate sales | ¥6.2T loans; 40% large deals |
| Partners | Monex ~6.2M; 30% digital leads |
Customer Segments
Regional Small and Medium Enterprises
SMEs account for over 99% of Shizuoka Prefecture firms and drive roughly 60% of regional employment, making them core clients for Shizuoka Financial Group's lending and advisory services; in 2024 the group reported SMEs made up about 48% of new business loans, focusing on working capital, equipment leasing, and trade finance. The bank's localized credit decisions-over 70% of SME credit approvals handled by regional branches in 2024-keeps it the preferred partner for cross-border supply-chain needs and capex cycles.
Individual Retail Customers
Individual retail customers include local residents who use Shizuoka Bank for daily payments, deposits, and consumer loans; as of FY2024 the group served about 1.9 million individual accounts, handling ¥4.2 trillion in household deposits and ¥420 billion in consumer lending, spanning students opening first accounts to retirees managing pensions-reliable, accessible retail banking remains core to the group's mission.
High-Net-Worth Individuals
Shizuoka Financial Group serves high-net-worth individuals and families in Shizuoka and nearby prefectures with tailored wealth management, tax optimization, and inheritance planning via dedicated advisors; as of FY2024 the group's private banking AUM reached ¥420 billion, reflecting 12% YoY growth and strong demand for privacy and bespoke advisory services.
Public Sector and Municipalities
- ¥1.2T public-sector loans (FY2024)
- ¥420B municipal deposits (FY2024)
- Low credit risk; high strategic importance
- 8% of fee income from public projects (2024)
Large Corporate and Industrial Clients
Large manufacturers and listed firms operating in Shizuoka demand sophisticated corporate finance, M&A advisory, and global banking; SFCG (Shizuoka Financial Group) served ~2,300 corporate clients and reported corporate lending of ¥4.8 trillion in FY2024, using sector teams to manage cross – border, multi – product needs.
SFCG leverages regional scale and specialist bankers to win mandates from national banks, focusing on complex syndications, FX hedging, and cross – border M&A support.
- ~2,300 corporate clients (FY2024)
- Corporate lending ¥4.8 trillion (FY2024)
- Focus: M&A, syndications, FX hedges
Diversified lending powerhouse: SMEs, retail, HNW, public & corporate growth in FY2024
Core customers: SMEs (99% of firms; ~60% regional employment; 48% of new business loans in 2024), retail households (1.9M accounts; ¥4.2T deposits; ¥420B consumer loans, FY2024), HNW/private banking (¥420B AUM, +12% YoY 2024), public sector (¥1.2T loans; ¥420B deposits, FY2024), large corporates (~2,300 clients; ¥4.8T corporate lending, FY2024).
| Segment | Key metric (FY2024) |
|---|---|
| SMEs | 48% new loans; 60% jobs |
| Retail | 1.9M accts; ¥4.2T deposits |
| Private/HNW | ¥420B AUM |
| Public | ¥1.2T loans; ¥420B dep |
| Large corporates | ~2,300 clients; ¥4.8T lending |
Cost Structure
Personnel and Labor Expenses
The largest cost is compensation and benefits for skilled staff-branch employees, financial advisors, and IT professionals-constituting about 42% of operating expenses; Shizuoka Financial Group reported personnel expenses of ¥146.8 billion in FY2024 (year ended Mar 2025). Ongoing training and development add ~3-4% to personnel spend, reflecting continued investment in digital capability and compliance.
IT and Digital Infrastructure Maintenance
Shizuoka Financial Group allocates significant capital to maintain and upgrade core banking systems, cybersecurity, and digital platforms-IT spend rose to about ¥48.5 billion in FY2024 (up ~9% YoY), with cloud and data analytics investments driving most of the increase.
Physical Infrastructure and Branch Operations
Maintaining Shizuoka Financial Group's nationwide branch and ATM network drives major costs: in FY2024 the group reported consolidated operating expenses of ¥327.8 billion, with property, rent and maintenance forming a material share as branches are modernized and secured.
Regulatory Compliance and Risk Management
The group spends heavily on compliance-AML (anti-money laundering), data privacy, and corporate governance-allocating an estimated ¥12-15 billion annually in 2024 for compliance software, internal audit teams, and legal counsel, a fixed cost tied to licensing and staffing.
- ¥12-15bn annual compliance spend (2024 est.)
- Major investments: AML systems, privacy tech, audit teams
- Legal and regulatory fines avoidance drives fixed-cost posture
Marketing and Business Development
- ¥8.6bn total FY2024 marketing spend
- 55% digital, 45% traditional/event
- Sponsorships target local communities to retain deposit and lending share
FY24 Costs: Personnel ¥146.8bn, IT ¥48.5bn - Ops ¥327.8bn; Compliance ¥12-15bn, Marketing ¥8.6bn
Personnel (¥146.8bn, FY2024) and IT (¥48.5bn) are the largest costs, with branches/operations and property maintenance embedded in ¥327.8bn consolidated operating expenses; compliance ~¥12-15bn and marketing ¥8.6bn (55% digital).
| Category | FY2024 (¥bn) |
|---|---|
| Personnel | 146.8 |
| IT | 48.5 |
| Operating expenses | 327.8 |
| Compliance | 12-15 |
| Marketing | 8.6 |
Revenue Streams
Interest Income on Loans
The primary revenue source is the net interest margin from loans to corporates, SMEs and retail clients, including mortgages, business expansion loans and personal credit lines; in FY2024 Shizuoka Financial Group reported net interest income of ¥237.8 billion, driven by a loan balance of ¥10.2 trillion and an NIM of 0.98%, while the group actively optimizes portfolio mix to boost yield and limit credit losses.
Fee and Commission Income
Fee and commission income at Shizuoka Financial Group (SFJ: Shizuoka Bank) comes from wealth management, brokerage, and bancassurance; in FY2024 non-interest income was ¥153.4bn, with fees/commissions ~¥78.2bn, up 4.1% YoY.
Leasing and Installment Finance
The group's leasing subsidiaries generate steady revenue by financing equipment and vehicles for regional businesses, supporting ¥128 billion in lease receivables at end-2024 and contributing about 9% of group fee income in FY2024. This line benefits from Shizuoka's manufacturing cluster-capital expenditure rose 6.2% in 2024-giving a stable, long-term income stream that complements lending and deposit services.
Investment and Securities Gains
Consulting and Advisory Fees
Fees from M&A advisory, business-succession planning, and ESG consulting are an expanding, high-margin revenue stream for Shizuoka Financial Group as regional firms seek professional guidance; Shizuoka reported ¥12.4bn in fee income from corporate advisory and trust services in FY2024 (ended Mar 2024), up 8% year-on-year.
These services leverage the bank's sector expertise and local client ties, converting long-term relationships into advisory mandates as aging owners and ESG regulation drive demand.
- ¥12.4bn fee income FY2024
- +8% YoY growth
- High margins vs. traditional lending
- Demand: succession + ESG + regional M&A
FY2024: ¥237.8bn NII on ¥10.2T loans, Non – int ¥153.4bn; fees ¥78.2bn, NIM 0.98%
| Item | FY2024 |
|---|---|
| Net interest income | ¥237.8bn |
| Loans | ¥10.2T |
| NIM | 0.98% |
| Fees | ¥78.2bn |
| Non-int income | ¥153.4bn |
| Leases | ¥128bn |
| Bonds | ¥2.3T |
| Equities | ¥480bn |
| Strategic income | ¥12.5bn |
| Advisory fees | ¥12.4bn |
Frequently Asked Questions
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