Question 1

What is Shikoku Bank?

Accepted Answer

Shikoku Bank is a regional bank headquartered in Kochi City, Kochi Prefecture, on the island of Shikoku, Japan. With consolidated total assets of approximately 3.3 trillion yen as of March 2024 and capital of 25 billion yen, it serves as one of Shikoku's leading regional financial institutions. The bank operates 104 offices, branches, and sub-branches across Shikoku, with additional offices in Tokyo and Osaka.

Shikoku Bank employs approximately 1,260 staff members and provides comprehensive commercial banking services to individual and corporate customers throughout the region.

Question 2

When was Shikoku Bank founded?

Accepted Answer

Shikoku Bank was originally established on October 17, 1878, as the 37th National Bank during Japan's Meiji era banking reforms. The bank's name changed to Kochi Bank in 1897, and to its current name, Shikoku Bank, in 1923.

Throughout its history spanning over 145 years, the bank has merged with more than 20 other banks while maintaining sound management practices. The bank celebrated its centennial in 1978 under its Shikoku Bank name, marking 100 years since its original establishment.

Question 3

Where is Shikoku Bank headquartered?

Accepted Answer

Shikoku Bank is headquartered in Kochi City, Kochi Prefecture, at 1-1-1 Minamiharimayacho, postal code 780-8605. The head office is located in Kochi, the capital and largest city of Kochi Prefecture on Shikoku island.

From its Kochi headquarters, the bank coordinates operations across its extensive network throughout Shikoku, as well as its key metropolitan offices in Tokyo and Osaka that facilitate broader business connections.

Question 4

Where does Shikoku Bank operate?

Accepted Answer

Shikoku Bank operates primarily throughout Shikoku island, with its main client base concentrated in Kochi Prefecture and surrounding areas of Shikoku. The bank maintains 104 offices, branches, and sub-branches across the island, providing comprehensive coverage of the region.

To facilitate connections with Japan's major business centers, the bank operates additional offices in Tokyo and Osaka. This geographic distribution allows Shikoku Bank to serve both local customers and businesses with broader national interests.

Question 5

What services does Shikoku Bank offer?

Accepted Answer

Shikoku Bank provides comprehensive commercial banking services including various deposit products (time deposits, property deposits, fixed-term deposits, foreign currency deposits), personal loans (free card loans, owner's free loans, education loans, automobile loans, renovation loans, purpose loans), and business financing. The bank offers loan plaza services and loan simulation tools.

Additional services include payment processing, ATM lottery services, inheritance-related services, foreign currency reserve accounts, internet banking, and convenience store ATM access. Investment products include investment trusts, foreign currency-denominated bonds, structured bonds, public bonds, and stocks.

For business customers, the bank provides business succession consulting, merger and acquisition brokerage support, business matching services, and SDGs management support. The bank also offers various card services including prepaid cards, credit cards, and cash cards.

Question 6

What makes Shikoku Bank unique?

Accepted Answer

Shikoku Bank maintains a distinctive and controversial corporate tradition: a blood-stamped pledge signed by 23 employees, including the president, vowing to commit seppuku if found guilty of financial irregularities, embezzlement, or fraudulent activities. This pledge, dating from the bank's predecessor institution since 1878, went viral internationally in November 2024.

The pledge reads: "Anyone employed by this bank who has stolen money or caused others to steal from the bank will pay for it with his or her property and then commit suicide." While this practice represents an extreme commitment to institutional integrity rooted in historical banking customs, it reflects the bank's emphasis on trustworthiness and ethical conduct.

Question 7

What type of financial institution is Shikoku Bank?

Accepted Answer

Shikoku Bank is a regional bank, a category of financial institution in Japan that focuses on serving specific geographic regions. Regional banks in Japan typically occupy an important middle tier between major city banks and smaller cooperative institutions.

As a regional bank, Shikoku Bank emphasizes relationship banking and community economic development within Shikoku island. The bank maintains deep local knowledge and long-standing relationships with regional businesses and residents, while having sufficient scale and resources to offer comprehensive commercial banking services. Regional banks like Shikoku Bank play a crucial role in supporting local and regional economic activity throughout Japan.

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About Shikoku Bank in Japan