ひろぎん HD (Hirogin Holdings)

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This entry sits under regional-banks INDEX. Read it against Fukuoka FG (FFG) for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

A Chugoku-region top-tier regional-bank holding group based in Hiroshima Prefecture. Converted to a holding-company structure via a sole share transfer of Hiroshima Bank in 2020-10-01. Its subsidiaries include Hiroshima Bank (the core, with a predecessor founded in 1878 ), Hirogin Securities, Hirogin Credit Guarantee, Hirogin Research Institute, and others. Its within-Hiroshima-Prefecture share is No.1 (top in the prefecture for both loans and deposits). Lending to Mazda and the local auto-parts supply chain is a strength. In the Chugoku region it forms a “Chugoku 4 行” configuration alongside chugin-fg (bank of china / Okayama), san-in-godo-bank (San-in Godo / Matsue), and yamaguchi-fg (Yamaguchi FG / Shimonoseki).

1. Company overview

Legal name: 株式会社ひろぎんホールディングス English name: Hirogin Holdings, Inc. Securities code: TSE PRIME 7337 Established: 2020-10-01 (holding-company conversion via sole share transfer of Hiroshima Bank) Head office: Kamiya-cho 1-3-8, Naka-ku, Hiroshima City (Hiroshima Bank head office) Governance design: Company with an Audit and Supervisory Committee

Main subsidiaries (consolidated)

ひろぎん HD（持株会社・上場 7337）
  ├── 広島銀行（100%）── コア事業・1950 設立（前身 芸備銀行 1945-）
  │     ├── 国内: 広島県内シェア No.1・山陽 / 山陰へ域外展開
  │     └── 海外駐在: 上海・香港・シンガポール・バンコク・NY 等
  ├── ひろぎん証券(100%)── 旧 広銀証券、リテール証券
  ├── ひろぎん信用保証(100%)── 個人ローン保証
  ├── ひろぎん地域経済研究所(100%)── 地域シンクタンク
  ├── ひろぎんリース(100%)
  ├── ひろぎんキャピタルパートナーズ(100%)── PE / ファンド運営
  ├── ひろぎん IT ソリューションズ(100%)── システム子会社
  ├── ひろぎん人材コンサルティング(100%)── 人材紹介
  └── ひろぎんビジネスサービス(100%)── BPO

History

2. Business-segment map

Home-base strategy

• Hiroshima Prefecture base: No.1 share in the prefecture (loans and deposits); core bank of the Chugoku-region economic zone
• Mazda / parts-supply-chain lending: Lending to Hiroshima’s key industry is the backbone. A transaction base of Mazda’s head office (Fuchu-cho, Hiroshima Prefecture) plus several hundred suppliers
• Out-of-area expansion: Expanding locations into the Sanyo area (Okayama / Yamaguchi) plus San-in (Shimane / Tottori). Aiming to cover all 5 prefectures of the Chugoku region
• Overseas: Shanghai, Hong Kong, Singapore, Bangkok, and elsewhere, following Mazda’s overseas supply chain

Chugoku-region competitive configuration

In particular, within Hiroshima Prefecture it competes directly with “Momiji Bank” under yamaguchi-fg. Yamaguchi FG has an integration history of 2006 Yamaguchi Bank + Momiji HD (split off from the old Hirogin Sogo Kinyu reorganization), and geographically it is the closest to Hiroshima Bank.

Strategic significance of the holding-company conversion

• **Establishment of Hirogin HD in 2020-10 **: Holding-company conversion via a sole share transfer (Hiroshima Bank only). Separating peripheral businesses such as securities, guarantee, and leasing from the bank entity → making them specialized subsidiaries → pursuing group synergy
• In the Chugoku region, it has completed holding-company conversion alongside 2022 yamaguchi-fg and 2024 chugin-fg
• Building a holding-company platform for out-of-area M&A and regional-bank-restructuring scenarios

Medium-term business plan (FY2024–FY2026 年)

• 3 pillars of regional-economy revitalization, SDGs, and DX
• Strengthening core-business support for corporates (business succession, M&A, IT-adoption support)
• Deepening group-wide cross-selling

4. Regulation / policy

• Supervisor: Financial Services Agency (FSA) + Chugoku Local Finance Bureau
• Holding-company regulation: Banking Act Article 52 -17 (bank holding company)
• Recent policy issues:
  • From 2024 onward, BoJ policy-rate normalization → improvement in the domestic loan-deposit margin
  • Mazda’s EV shift / North American tariff risk → credit risk on supply-chain lending
  • Regional-bank-restructuring pressure (the FSA’s promotion of regional-bank integration) → restructuring scenarios within the Chugoku region

Related

• chugin-fg · san-in-godo-bank · yamaguchi-fg — Chugoku region 4 行
• mufg · smfg · mizuho-fg — megabanks
• ndfg

Sources

• Wikipedia: ひろぎんホールディングス / 広島銀行（2026-05-19 抽出）
• ひろぎん HD 公式 IR / 有価証券報告書

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[!info] Verification status confidence: likely (v1.0 Wikipedia + official IR verification 2026-05-19). Specific figures (total assets, net profit, number of branches, etc.) are not recorded in this entry and are planned to be supplemented from the latest IR at the next update. A quantitative comparison of market share in the Chugoku-region competitive configuration remains to be added.