San ju San Financial Group

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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 regional bank FG rooted in Mie Prefecture. Established through the 2018-04-02 management integration of Mie Bank + Daisan Bank, with 2021-05-01 merger of the two banks → birth of San ju San Bank. The name “San ju San” (Thirty-three) is a double meaning taking the “san” (three) from both banks — “san (mie / Mie) + san (third / Daisan)” (English name: San ju San = 33). Located on the Kansai-leaning boundary of the Chukyo economic zone, competing with the in-prefecture No.1 hyakugo-bank (Hyakugo Bank). ^•

1. Company overview

Legal name: San ju San Financial Group, Inc. (株式会社三十三フィナンシャルグループ) English name: San ju San Financial Group, Inc. Securities code: TSE PRIME 7322 Established: 2018-04-02 (established as a joint holding company through the management integration of Mie Bank + Daisan Bank) Headquarters: Yokkaichi City, Mie Prefecture Main subsidiary: San ju San Bank (established through the 2021-05-01 merger of Mie Bank + Daisan Bank) ^•

Main subsidiaries・affiliates

San ju San FG (holding company・TSE PRIME 7322)
  ├── San ju San Bank (100%) ── core subsidiary bank, established through the 2021-05-01 merger
  │     ├── operating base within Mie Prefecture (Yokkaichi・Tsu・Matsusaka・Ise)
  │     └── lending toward the Nagoya area・Chukyo economic zone
  └── group companies (leasing・cards・consulting, etc.)

Former Daisan Bank lineage

• 1895: 112th National Bank established (origin of the former Daisan Bank)
• Became a regional financial institution as Daisan Bank through postwar reorganization
• Based in the southern part of Mie Prefecture (Matsusaka・Ise)

Former Mie Bank lineage

• 1928: Mie Bank established (integration of the former Yokkaichi Bank + Kuwana Bank, etc.)
• Based in the industrial belt of the northern part of Mie Prefecture (Yokkaichi・Kuwana)
• Transaction base with companies related to the Yokkaichi industrial complex

Integration

1. 2018-04-02Mie Bank + Daisan Bank → San ju San FG established (joint holding company method) ^•
2. 2021-05-01Mie Bank + Daisan Bank → San ju San Bank merger (subsidiary-bank integration completed)
3. 2024medium-term management plan formulated

3. Business segment map

Geographic position

• Mie Prefecture base: a unique position located on the Kansai-leaning boundary of the Chukyo economic zone
• Dual nature: economic-zone spillover from the Nagoya area (Chukyo) + cultural proximity to the Kansai region
• Boundary regional-bank position: the middle ground between Chukyo (Aichi Prefecture regional banks) vs Kansai (Kinki-affiliated)

Industrial base

• Tourism: Ise Grand Shrine (annual pilgrims ~1000 万 people) + Toba・Shima resorts
• Fisheries: local industries such as Ise lobster・pearl cultivation
• Industry: Yokkaichi industrial complex (petrochemicals・electronic components)

Integration effects

• Branch-network overlap consolidation: consolidation of overlapping branches of Mie Bank + Daisan Bank
• System integration: standardization of core systems・branch operating systems

5. Regulation・policy

• Supervisor: Financial Services Agency (FSA) + Tokai Local Finance Bureau
• Holding-company regulation: Banking Act Article 52 -17
• Recent policy issues:
  • 2024~ BoJ policy-rate normalization → regional-bank earnings-margin improvement bonus
  • regional-bank reorganization pressure under regional revitalization・population decline
  • strategic choice of the boundary position between the Chukyo zone vs the Kansai region

7. Open questions

• Is the in-prefecture share gap with Hyakugo Bank on a narrowing trend?
• What is the speed of lending expansion into the Nagoya area (Aichi Prefecture)?
• The direction of competition・cooperation with the Chukyo zone (juroku-fg / Ogaki Kyoritsu, etc.)?
• What is the digital strategy in the next medium-term plan (from 2024 onward)?
• The possibility of wide-area cooperation with Kansai-region regional banks?

Related

• hyakugo-bank (Hyakugo Bank, in-prefecture No.1 competitor in Mie)
• juroku-fg (Juroku FG, Chukyo-zone adjacent competitor)
• mufg (Chukyo-based megabank of the former Tokai Bank lineage)

Sources

• Wikipedia: 三十三フィナンシャルグループ (https://ja.wikipedia.org/wiki/三十三フィナンシャルグループ, extracted 2026-05-19)
• Wikipedia: 三十三銀行 (https://ja.wikipedia.org/wiki/三十三銀行, extracted 2026-05-19)

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[!info] 検証状況 confidence: likely (v1.0 based on Wikipedia public information, 2026-05-19). History・organizational structure confirmed via Wikipedia; specific financial figures not published. For the latest medium-term plan・financial results, refer to San ju San FG official IR.