じもとホールディングス (JIMOTO HD)
ConfidenceLikelyUpdated2026-07-30Review by2026-11-15Sources8Machine-translatedOriginal (JA)
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This entry sits under regional-banks INDEX. Read it with banking index for adjacent context and JapanFG index for the broader system boundary.
TL;DR
A Northern-Tohoku second-tier regional-bank FG based in Yamagata + Miyagi (Kirayaka Bank + Sendai Bank). Established through a 2012-10-01 post-Great-East-Japan-Earthquake business integration. The 2024-06-20 Resolution and Collection Corporation (RCC) acquired voting rights of 63.52%, effectively nationalising it, the repayment deadline of the 2024-09 public funds of 200 億円 was extended by 13 years (2024-09 → 2037-09) with FSA approval, and the 2024-04 top management was wholly overhauled. SBI Holdings (SBI Regional Bank HD) became the largest shareholder via a third-party allotment of 35 億円 in 2020-11 → the ranking was reshuffled by the RCC nationalisation. •
1. Company overview
Formal name: Kabushiki Kaisha Jimoto Holdings • English name: Jimoto Holdings, Inc. Securities code: TSE Standard (former 2 section) 7161 • Established: 2012-10-01 (business integration via share transfer; originally planned for 2011 → postponed by 1 years due to the earthquake) • Head office: Sendai Bank Building 9F, 1 -1 号 Ichibancho 2-chome, Aoba-ku, Sendai-shi, Miyagi-ken • Business type: Bank holding company (second-tier regional bank FG)
Group structure
じもとホールディングス（持株会社・東証 STD 7161）
├── 株式会社きらやか銀行（100%）── 山形県地盤・第二地銀
│ ├── 本店: 山形市
│ ├── 店舗数: 約 79 店（2019-03 期）
│ └── 総資産: 約 1.39 兆円（2019-03 期）
└── 株式会社仙台銀行（100%）── 宮城県地盤・第二地銀
├── 本店: 仙台市青葉区一番町
├── 店舗数: 62 店（2015-03 期、全店宮城県内）
└── 総資産: 約 1.14 兆円（2015-03 期）Consolidated results (public basis) •
The following table is scoped to public primary sources (rieti.go.jp, sbigroup.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Item | Figure | Source point |
|---|---|---|
| Consolidated total assets | Approx. 2 兆 6,639 億円 | 2021-03 term |
| Consolidated net profit/loss | △31 億 76 百万円 (loss) | 2021-03 term |
| Consolidated net profit/loss (revised) | △234 億円 (downward revision) | 2024-03 term |
For the 2024-03 term, the full-year forecast was substantially revised downward from “17 億円 profit → 234 億円 loss”. Kirayaka Bank’s non-performing loans and securities losses were announced as the main causes. •
Major shareholders (from 2024-06-20) •
The following table is scoped to public primary sources (rieti.go.jp, sbigroup.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Shareholder | Voting-rights ratio |
|---|---|
| Resolution and Collection Corporation (RCC) | 63.52% (acquired voting rights via conversion of preferred shares → common shares) |
| SBI Regional Bank Holdings | (became largest shareholder via the 2020-11 third-party allotment of 35 億円・obtained 2021-03 bank-major-shareholder approval; ranking reshuffled by RCC nationalisation) |
Chronology •
The following table is scoped to public primary sources (rieti.go.jp, sbigroup.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Date | Event |
|---|---|
| 1914-01-03 | Yamagata Shokusan Kabushiki Kaisha established (the registered starting point of the present Kirayaka Bank lineage) |
| 1951-07-05 | Shinko Mujin Kabushiki Kaisha established (predecessor of Sendai Bank) |
| 1952 | Shinko Mujin → Shinko Sogo Bank renamed |
| 1989 | Shinko Sogo Bank → Sendai Bank converted to an ordinary bank |
| 1989 | Shokusan Bank (→ 1992 to Kirayaka Bank) / affiliated credit union → into the Shiawase Bank lineage |
| 2007-05-07 | Shokusan Bank + Yamagata Shiawase Bank merger → Kirayaka Bank established |
| 2008-10-01 | Kirayaka Bank absorbed its parent Kirayaka HD, re-listed on the TSE 2 section |
| 2009-09 | Kirayaka Bank public funds of 200 億円 injected (Act on Strengthening Financial Functions・3 sector-wide) ★ |
| 2011-03-11 | Great East Japan Earthquake → Sendai Bank’s head office and branch buildings damaged, temporary branches・BIB conversion ★ |
| 2012-10-01 | Jimoto HD established (Kirayaka + Sendai business integration, for post-earthquake recovery and expansion of the public-funds frame) ★ |
| 2011-09 | Sendai Bank public funds of 300 億円 injected (Act on Strengthening Financial Functions earthquake special provision, preferred-share payment completed 2011-09-30) ★ |
| 2012 | Kirayaka Bank public funds of 300 億円 injected (Act on Strengthening Financial Functions earthquake special provision) |
| 2020-11 | SBI Regional Bank HD subscribed to the third-party-allotment capital increase of 35 億円 → became largest shareholder (one piece of the SBI 4 -regional-bank concept) |
| 2023-09-01 | Kirayaka Bank public funds of 180 億円 additionally injected (Covid special provision・Act on Strengthening Financial Functions) ★ |
| 2023-11 | Jimoto HD became the first in the nation to introduce a common ATM service within the group (all 292 units replaced by 2024-03 ) |
| 2024-04-26 | 2024-03 term forecast revised downward from profit 17 億 → loss 234 億・wholesale overhaul of top management announced ★ |
| 2024-04 | Stated that repayment of the 200 億円 portion injected in 2009 in 9 would be “difficult”, and began consultations with the FSA |
| 2024-06-20 | Resolution and Collection Corporation (RCC) acquired voting rights of 63.52% → effective nationalisation ★ |
| 2024-09 | Repayment deadline of public funds of 200 億円 extended by 13 years (2024-09 → 2037-09) formally approved by the FSA ★ |
| During 2024 | Medium-term management plan (FY 2024〜2026 年, 3 years) commenced |
Predecessor-bank details
Kirayaka Bank lineage (Yamagata)
- Yamagata Shokusan Kabushiki Kaisha (established 1914-01-03) → 1915 Yamagata Shokusan Mujin → 1951 Shokusan Sogo Bank → 1989 Shokusan Bank (converted to an ordinary bank)
- Yamagata Shiawase Bank (separate lineage)
- 2007-05-07 Kirayaka Bank established via the merger of the two banks
Sendai Bank lineage (Miyagi)
- 1951-07-05 Shinko Mujin → 1952 Shinko Sogo Bank → 1989 Sendai Bank (converted to an ordinary bank)
Management strategy
- Yamagata + Miyagi dual base: a 2 -prefecture wide-area FG of Kirayaka (Yamagata) + Sendai (Miyagi)
- Earthquake-recovery lending + SME support: the core of the establishment purpose
- Medium-term management plan (FY 2024-2026 年): a 3 -year plan that targets the accumulation of profits as the source for public-funds repayment •
- SBI tie-up: since the SBI Regional Bank HD investment of 2020-11 , the Northern-Tohoku piece of the SBI 4 -regional-bank concept. Common ATM・system linkage.
- Public-funds-reduction scenario: announced that, by accumulating Sendai Bank’s retained earnings of 188 億円 (2025-03 term, +9 億円 yoy), the 300 億円 public funds could be repaid by 2036-03 •
Competition and market position
The following table is scoped to public primary sources (rieti.go.jp, sbigroup.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Category | Competitor | Jimoto HD position |
|---|---|---|
| Miyagi-ken No.1 regional bank | 77 Bank (TSE PRIME 8341) | Sendai Bank is the No.2 regional bank |
| Yamagata-ken No.1 regional bank | Yamagata Bank (TSE PRIME 8344) | Kirayaka Bank is the No.2 regional bank |
| Northern-Tohoku second-tier regional-bank FG | Fidea HD (TSE PRIME 8713・Yamagata + Akita) | Overlaps with fidea-hd in Yamagata・operating-base competition |
| Adjacent first-tier regional banks | Iwate Bank・Toho Bank (Fukushima) | Periphery of the operating area |
| SBI 4 -regional-bank frame | Fukushima Bank・Shimane Bank・Chikuho Bank | Other regional-bank group of the SBI alliance |
4. Regulation・policy
- Supervisor: Financial Services Agency (FSA)
- Act on Strengthening Financial Functions: the basis act for public-funds injection (Kirayaka 2009 200 億円・2012 300 億円・2023 180 億円 / Sendai 2011 300 億円) •
- Resolution and Collection Corporation (RCC): holds voting rights of 63.52% since 2024-06 → effectively under state management •
- Management-strengthening-plan implementation-status report: obligated to be submitted to the FSA every half-year (published 2024-12 / 2025-06 ) •
- TSE market segment: Standard (former TSE 2 section)
Recent policy issues
- The 13 -year repayment extension approved by the FSA in 2024-09 (deadline 2037-09 ) is effectively a rescheduling
- Sendai Bank’s profit accumulation + Kirayaka Bank’s non-performing-loan disposal are the keys to the repayment source
5. Officers (public basis) •
The following table is scoped to public primary sources (rieti.go.jp, sbigroup.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ↗
| Position | Name | Appointment |
|---|---|---|
| Representative Director and Chairman | Hideki Nishizuka | 2024-04 management overhaul |
| Representative Director and President | Toshio Sakazume | 2024-04 management overhaul |
The 2024-04 wholesale overhaul of top management was an accountability-driven personnel change tied to the 234 億円 downward loss revision and the declaration of inability to repay public funds.
Related
- fidea-hd (Yamagata + Akita・Northern-Tohoku second-tier regional-bank competition + operating-area overlap)
- sbi-hd (2020-11 third-party allotment 35 億円・SBI 4 -regional-bank concept)
- mufg · smfg · mizuho-fg (megabanks)
Sources
- Wikipedia: じもとホールディングス (https://ja.wikipedia.org/wiki/じもとホールディングス, extracted 2026-05-19)
- Wikipedia: きらやか銀行 (extracted 2026-05-19)
- Wikipedia: 仙台銀行 (extracted 2026-05-19)
- FSA “Management-strengthening-plan implementation-status report” 2024-12 (https://www.fsa.go.jp/status/keieikyoka/2025b/0328/03-1.pdf)
- FSA “Management-strengthening-plan implementation-status report” 2025-06 (https://www.fsa.go.jp/status/keieikyoka/2025b/0922/01-1.pdf)
- Nihon Keizai Shimbun・Jiji Press public reporting (2024-04 management overhaul / 2024-06 RCC nationalisation / 2024-09 13 -year extension approval)
- RIETI Research Institute of Economy, Trade and Industry “Looking back at the earthquake special provision of the Act on Strengthening Financial Functions” (confirmed Sendai Bank 2011-09 300 億円・Kirayaka Bank 2012 300 億円 earthquake-special-provision injection) https://www.rieti.go.jp/jp/columns/a01_0635.html
- SBI Holdings “Notice Regarding Acquisition of Bank Major Shareholder Approval for the Banks 2行 under Jimoto Holdings” (2021-03-18) https://www.sbigroup.co.jp/news/2021/0318_12370.html
- Wikipedia: 殖産銀行 (confirmed the establishment of Yamagata Shokusan Kabushiki Kaisha in 1914-01-03; the 1895 founding theory unconfirmed) https://ja.wikipedia.org/wiki/殖産銀行
- Wikipedia: 仙台銀行 (confirmed preferred-share payment completion in 2011-09-30) https://ja.wikipedia.org/wiki/仙台銀行
[!info] Verification status confidence: likely (v1.1 public information only・Wikipedia + FSA public materials + RIETI + public reporting, re-verified 2026-05-29). The founding year of the predecessor bank is confirmed as establishment of Yamagata Shokusan Kabushiki Kaisha in 1914-01-03 in the Wikipedia Shokusan Bank article (the 1895 founding theory could not be confirmed in the sources and is isolated). The earthquake-special-provision public funds are confirmed by RIETI as Sendai Bank 2011-09 300 億円・Kirayaka Bank 2012 300 億円 (the old description of “2014 Kirayaka additional injection” had no source and is corrected). The RCC voting rights of 63.52% are the figure published as of 2024-06-20.
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