San-in Godo Bank (山陰合同銀行)

Wiki route

This entry sits under regional-banks INDEX. Read it against Tottori Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

The only listed major regional bank in the San-in region (Shimane Prefecture + Tottori Prefecture). Founded through the 1941-07-01 wartime consolidation (Matsue Bank + Yonago Bank, etc., 7 行). Abbreviated “Gogin.” Its head office is located in Matsue, Shimane Prefecture. It is listed on TSE PRIME as a standalone bank (securities code 8381) without forming a holding company. With a share of over 4 〜 5 0% in both San-in prefectures, it has business branches outside the region in Hiroshima, Okayama, Hyogo, and Osaka. With a structure that holds within 1 行 a regional economy of tourism (Izumo Taisha, Tottori Sand Dunes) + agriculture/fisheries + manufacturing (including Shimane nuclear plant-related), its competitors are Tottori Bank and Shimane Bank (local mid-tier), and outside the region chugin-okayama / hirogin-hd / yamaguchi-fg. ^•

1. Company overview

Legal name: The San-in Godo Bank, Ltd. ^• English name: The San-in Godo Bank, Ltd. Securities code: TSE PRIME 8381 (listed 1949 , an early-listing group even among postwar regional banks) ^• Established: 1941-07-01 (founded through wartime regional-bank consolidation) ^• Head office: 10 Uomachi, Matsue, Shimane Prefecture Brand abbreviation: Gogin Holding-company conversion: Not implemented (maintains a standalone-bank structure) ^•

Merger history / predecessors

• 1922-04-01 Matsue Bank established
• 1925 Yonago Bank established
• 1941-07-01 Through the wartime regional-bank consolidation policy (one-bank-per-prefecture principle), “San-in Godo Bank” was founded via the 7 行 consolidation of Matsue Bank + Yonago Bank + the Matsue branch of Daisan Bank, etc.
• 1949 Listed on the Tokyo Stock Exchange (an early-listing group after the postwar reopening)
• During the postwar recovery period, its core was finance for agriculture + fisheries + mining (near Iwami Ginzan) in both San-in prefectures

Key chronology (excerpt) ^•

The following table is scoped to public primary sources (the public registry and issuer materials cited in the sources inventory). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

2. Business segment map

The following table is scoped to public primary sources (the public registry and issuer materials cited in the sources inventory). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

Geographic strategy

• San-in regional oligopoly: Main-bank position with a share of over 40 〜 50% in both Shimane and Tottori prefectures
• Out-of-region expansion: Business branches in Hiroshima, Okayama, Kobe, and Osaka (bidirectional support for San-in companies’ out-of-region expansion + out-of-region companies’ entry into San-in)
• International: Asian representative offices in Shanghai, etc.; trade-finance services
• Tourism-resource dependence: Izumo Taisha (800 万 worshippers per year), Tottori Sand Dunes, Matsue Castle, Tamatsukuri Onsen, Kaike Onsen, and Oki Islands tourism are pillars of the regional economy

Competitive relationships

The following table is scoped to public primary sources (the public registry and issuer materials cited in the sources inventory). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

Partnership / acquisition strategy

• BlackRock asset-management partnership (2009) ★: Partnered with the largest U.S. firm to strengthen its investment-trust lineup; an early overseas-major-firm alliance case for a regional bank ^•
• Local-government / JA / JF cooperation structure: Forms a regional financial ecosystem with Shimane Prefecture, Tottori Prefecture + municipalities within both prefectures + agricultural cooperatives + fishery cooperatives

B2C branding

• “Gogin” nickname: In both San-in prefectures the bank name = Gogin has taken root; community-rooted type
• CSR / regional contribution: Sponsorship of regional events such as Izumo Taisha, Matsue Castle, and the Suigo Festival; scholarships; cultural-property protection

4. Regulation / policy

• Supervisor: Financial Services Agency (FSA) + Chugoku Local Finance Bureau (Hiroshima) + Bank of Japan Matsue Branch
• Deposit Insurance Corporation: Member
• Japanese Bankers Association: Full member
• Recent policy issues:
  • 2024 〜 BoJ policy-rate normalization → bonus to regional banks’ domestic deposit-loan interest margins
  • 2024 〜 Regional revitalization 2.0 (government policy) → request for regional banks to strengthen regional-core functions
  • Cost of maintaining branch networks in population-declining regions (Shimane and Tottori rank among the top nationwide in population-decline rate)
  • 2025 〜 Regional-bank reorganization pressure (FSA stance) vs maintaining a standalone path

Related

• chugin-okayama · hirogin-hd · yamaguchi-fg · mufg · smfg · mizuho-fg
• Chu-Shikoku regional-bank block / San-in regional economy / one-bank-per-prefecture principle (wartime consolidation)

Sources

• Wikipedia: San-in Godo Bank (https://ja.wikipedia.org/wiki/山陰合同銀行, 2026-05-19 extracted)
• San-in Godo Bank official site, history page
• Regional Banks Association of Japan member-bank data

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[!info] Verification status confidence: likely (based on Wikipedia + official history, 2026-05-19 extracted). The latest quantitative financials (total assets, net income, capital adequacy ratio, etc.) are not included in this article — to be confirmed in the most recent securities report (TSE PRIME 8381 /3 fiscal-period results). The subsidiary structure and international bases include inferred portions; the latest figures should reference official IR disclosure.