Name and
BackgroundFull name of the bank: The San-in Godo Bank, Ltd
Founded: San-in Godo Bank was founded in 1941. It was formed by the merger of the former San'in Bank and Matsue Bank, with the aim of integrating regional financial forces to better support local economic development.
Headquarters location: 150 Higashi-Asahi Town, Matsue City, Shimane Prefecture
, JapanShareholder Background: San-in Godo Bank is a public company, and its shares are traded on the Tokyo Stock Exchange in Japan (stock code: 8381). Its shareholder structure is fragmented, consisting mainly of institutional investors and individual investors. As a local commercial bank, it is not a state-owned bank and does not have a single private enterprise holding.
service
areaSan-in Godo Bank's service area is mainly concentrated in the San'in region of Japan, especially Shimane and Tottori prefectures.
Coverage area: San-in Godo Bank mainly serves the San'in region of Japan (including Shimane Prefecture and Tottori Prefecture), and its business scope radiates to Hiroshima Prefecture, Okayama Prefecture, Yamaguchi Prefecture, Hyogo Prefecture, Osaka Prefecture, Tokyo Prefecture and other surrounding and major cities. Its core business market is in Japan.
Number of offline outlets: San-in Godo Bank has an extensive network of offline outlets, mainly located in and around the San'in area. Up to now, it has more than 140 branches in Japan, including head offices, branches, sub-branches, etc., which reflects its strong offline service capabilities as a regional bank.
ATM distribution: As a bank based on traditional retail banks, San-in Godo Bank has a large number of ATMs in various branches, convenience stores, shopping malls, etc., which are convenient for customers to conduct daily financial transactions such as deposits and withdrawals, transfers, and inquiries. Its ATM network covers its main service areas, providing customers with convenient self-service.
services and
productsSan-in Godo Bank provides a comprehensive variety of financial services and products to meet the diverse needs of individuals, enterprises and local public organizations, with a special focus on deep integration with the local economy.
For individual customers:
deposit services: Provide a variety of deposit products such as ordinary deposits, time deposits, savings deposits, and lump sum deposits to meet the different liquidity and income needs of customers.
Loan services: including personal housing loans, car loans, education loans, decoration loans, consumer loans, etc., to provide financial support for customers' house purchase, car purchase, children's education and daily life.
Investment and wealth management: Provide a variety of investment products such as investment trusts, foreign exchange deposits, Japanese government bonds, etc., and are equipped with professional financial consultants to help customers with asset allocation and wealth appreciation.
Insurance services: Acting as an agent for the sale of various types of life insurance (such as endowment insurance, medical insurance) and property insurance and other products to provide customers with risk protection.
Payment and settlement: Provide bank cards (debit cards, credit cards), electronic payment services, automatic transfers, bill settlement, etc., to facilitate customers to carry out daily payment and fund management.
Pension Services: Provision of personal pension accounts (iDeCo) and related advisory services.
For corporate customers:
corporate deposits: Provide current deposits, time deposits and other corporate deposit products to meet the needs of corporate capital management.
Enterprise loans: including short-term working capital loans, medium and long-term equipment investment loans, real estate development loans, project financing, etc., to support the production and operation of enterprises, expand investment and innovate development.
Trade Finance: Provide international trade settlement and financing services such as letters of credit, collections, and letters of guarantee, and support the international business transactions of enterprises.
Cash Management: Provide services such as account management, fund collection, payroll issuance, bill settlement, etc., to help enterprises optimize cash flow management and improve the efficiency of capital use.
Investment banking services: including M&A advisory, equity financing, bond issuance and other services to support corporate capital operation and strategic transformation.
Foreign exchange services: Provide foreign exchange exchange, foreign exchange hedging and other services to meet the exchange and risk management needs of enterprises' international business.
Small and Micro Enterprise Finance: Provide customized financing and consulting services for local small and medium-sized enterprises, agricultural enterprises and start-ups, including entrepreneurial support, business improvement loans, etc., and actively support local economic development.
Business succession consulting: Provide professional succession plan consulting services for succession issues faced by family enterprises.
Regulation &
ComplianceSan-in Godo Bank, as a financial institution in Japan, is subject to strict financial regulation.
Regulated: San-in Godo Bank is primarily regulated by the Financial Services Agency (FSA) of Japan. The Financial Services Agency of Japan is the highest regulatory body of Japan's financial system, responsible for the supervision of banking, securities, insurance and other industries, and ensuring the stability, order, and transparency of the financial market. In addition, the Bank of Japan (central bank) also supervises macroprudential and day-to-day operations.
Deposit Insurance Scheme: Yes. San-in Godo Bank is a member of the Deposit Insurance Corporation of Japan (DICJ). Under Japan's deposit insurance system, the deposits of individuals and businesses are protected within a certain limit, and depositors are paid even if the bank has operational problems, which greatly enhances the confidence of depositors and the stability of the banking system.
Recent Compliance Record: San-in Godo Bank is committed to complying with all applicable laws, regulations, industry norms, and regulatory requirements. As a publicly traded company and a highly regulated bank, it regularly submits reports to regulators and undergoes routine inspections. In public information, San-in Godo Bank maintains a good compliance record and no material violations have been publicly disclosed.
Digital Service
ExperienceSan-in Godo Bank actively promotes digital transformation and is committed to improving customers' online service experience to adapt to the trend of modern financial services.
App & Online Banking:
User Ratings: San-in Godo Bank's mobile banking app and online banking services are usually available on app stores such as the App Store and Google Play in JapanGood or upper-middle level user ratings. Users generally believe that its interface design is simple, the operation process is smooth, and the functions are relatively complete, which can meet most of the daily banking service needs.
Core features: Banking apps and online banking usually provide the following core functions:
face recognition/fingerprint recognition: support biometric login to improve security and convenience.
Real-time fund transfer: Provide 24/7 real-time fund transfer service to facilitate customers to make instant fund transfers.
Bill management: Provide functions such as account balance inquiry, transaction details inquiry, electronic bill download, income and expenditure analysis, etc.
Investment tool integration: Some apps and online banking may integrate investment and wealth management functions to facilitate customers to buy, sell and manage investment products online.
Online Loan Application: Support online application, submission of materials and progress inquiry for some personal loan products.
Branch appointment: Provide the convenience of online appointment and offline branch service to reduce customer waiting time.
Open an account online: Some services may allow you to open a deposit account online.
Technological innovation: San-in Godo Bank keeps an open mind in terms of technological innovation, actively exploring and applying new technologies:
AI customer service: Banks may be exploring or have partially introduced AI customer service systems to provide 24-hour online consultation services through chatbots and other means to answer customers' frequently asked questions and improve response efficiency.
Robo-advisors: Banks may launch or co-develop robo-advisory services that use algorithms and data analytics to provide clients with personalized investment advice and asset allocation solutions.
Open banking API support: As an industry development trend, San-in Godo Bank may also gradually open up its API interfaces and cooperate with third-party fintech companies to provide more innovative services, such as supporting third-party payment applications and personal financial management tools, to build a financial ecosystem.
RPA (Robotic Process Automation): Apply RPA technology to optimize internal operational processes, improve efficiency, and reduce costs.
customer
serviceSan-in Godo Bank provides multi-channel customer service to ensure customers have easy access to help and support, reflecting its customer-centric philosophy.
telephone service: There is a dedicated customer service hotline to provide services such as manual consultation, business handling, question answering and complaint handling.
E-mail service: Customers can send e-mail to the e-mail address provided on the bank's official website to inquire or give feedback.
Live chat: Some online platforms or apps may offer an online chat function to facilitate instant communication and inquiries from customers.
Offline outlets: Provide face-to-face consultation, business processing, financial planning and loan application services at each branch, especially for customers who need complex consultation or face-to-face communication.
Social media: Banks may post information through official social media platforms and provide some customer support.
security
measuresSan-in Godo Bank attaches great importance to the security of customers' funds and information, and has taken multiple strict measures to protect customers' financial security and privacy.
data encryption: Advanced SSL/TLS encryption technology is used to protect customer data during network transmission and ensure that information is not stolen or tampered with.
Multi-factor authentication: Multi-factor authentication (such as passwords, SMS verification codes, transaction passwords, biometrics, etc.) is used in logins, transactions, and sensitive operations to significantly improve account security.
Risk Monitoring System: Establish and continuously upgrade an advanced risk monitoring system to monitor abnormal trading behaviors and suspicious activities in real time, and detect and block fraud and unauthorized access in a timely manner.
Information security management system: In accordance with ISO 27001 and other international information security management standards, we have established a sound information security management system to standardize data processing, storage and access processes.
Internal Control and Audit: Establish a strict internal control system and regular internal audits to standardize employee operations and prevent internal risks and fraud.
Disaster recovery system: Establish a complete disaster recovery system and data backup mechanism to ensure that in the event of emergencies (such as natural disasters and system failures), the core business can be quickly restored and continue to operate, and the safety of customer assets is guaranteed.
Customer Security Education: Regularly educate customers about financial security through websites, emails, apps, and other channels to remind customers to guard against telecom fraud, phishing, and personal information leakage.
Featured Services and DifferentiationSan-in
Godo Bank As a local bank deeply rooted in the San'in region of Japan, its characteristics and differentiation are mainly reflected in the following aspects:
Deeply engaged in the economy of the San'in area: San-in Godo Bank is the largest local bank in the San'in area, with deep and extensive ties with local agriculture, fishing, tourism, small and medium-sized enterprises, and residential communities. It is an important force in promoting the economic development of the San'in area.
Community Banking Concept: Adhering to a strong community banking philosophy, we actively participate in local public welfare undertakings, cultural activities and economic revitalization projects, and enhance the brand's recognition and loyalty in the local area through close cooperation with local governments, chambers of commerce and residents.
Cross-county integration advantages: The merger of banks in Shimane and Tottori prefectures gives it a broader coverage and stronger resource integration capabilities in the San'in area, allowing it to provide more comprehensive services to customers in the region.
Addressing Regional Demographic Challenges: In view of the challenges of aging and declining populations in Japan, San-in Godo Bank is actively exploring ways to support local generation, attraction, and retention of talent through financial services to promote the vitality of the regional economy.
Supporting Specialty Industries: We provide specialized financial products and consulting services for industries unique to the San'in region (such as fishery, hot spring tourism, traditional crafts, etc.) to help them develop sustainably.
Equal emphasis on tradition and innovation: While maintaining the advantages of traditional community banking services, San-in Godo Bank is also actively exploring digital transformation and technological innovation to meet the needs of customers in the new era and improve service efficiency and customer experience.
