Ehime Bank

What Ehime Bank does

Ehime Bank (愛媛銀行) is a regional commercial bank headquartered in Matsuyama, Ehime Prefecture, Japan, founded in 1915 (with the corporate entity formed in 1943 through merger of five regional mutuals) and listed on the Tokyo Stock Exchange Prime Market under ticker 8541 since April 2022. The bank operates 111 stores (99 branches and 12 satellite offices) across Ehime Prefecture, employs 1,277 staff as of March 2026, and reports ¥2.7843 trillion in deposits and ¥2.0207 trillion in loans outstanding as of March 2026, with registered capital of ¥213.67 billion. It maintains an estimated ~80% share of deposits and loans within its home prefecture and serves individual retail customers, SMEs, and corporate clients, with a specialized ship-finance franchise that supports approximately one-third of Japanese ocean-going vessel owners based in Ehime through a dedicated ship-finance division and subsidiary (Nishiseto Marine Partners).

The bank's product and technology platform centers on two internet-banking systems—With You Net for individuals and Himegin Business Net for corporates—supported by the Himegin App as the primary mobile interface and complemented by sub-branded digital branches HandyBank (smartphone-only) and Shikoku Pilgrimage Branch (internet-only). Core offerings include deposits, housing and consumer loans, business lending, ship finance, investment trusts, NISA accounts, foreign-currency deposits, insurance, and pension trust services. Add-on modules include AI-driven Himegin Wrap / ROBO PRO AI Wrap, Himegin Cloud Factoring powered by OLTA, Trust Idiom biometric authentication, Himegin DX Support, e-Tax Data Reception, E-Net Collection, Bank Pay QR payments, and J-Debit. Distribution extends through bank-owned ATMs and alliance networks with Seven Bank, Lawson, E-net, JA Bank Ehime, Momiji Bank, and the 4 YOU NET regional alliance, plus securities-product intermediation via SBI Securities and Daiwa Securities.

The revenue model combines net interest income on the loan portfolio with transaction-based fees (ATM, transfers, FX, account services) and commission income from investment-trust and insurance distribution; pricing is publicly disclosed with tiered ATM fees, transfer fees differentiated by channel (counter, ATM, internet, app), FX fees on telegraphic transfers, and term deposit rates varying by amount and tenor. The customer base spans retail individuals, regional SMEs, large corporates, and shipping companies, served through a hybrid relationship-led and digital model. In July 2026, Ehime Bank and Iyogin Holdings signed a basic merger agreement (planned April 2027) that would create a ¥12.6 trillion-asset banking group retaining both brands and positioning the combined entity as Japan's third-largest ship-finance lender. The Ehime Bank Group includes wholly-owned subsidiaries in leasing, credit cards, software/IT services, ATM operations, ship-finance support, and sales/consulting.

Name

Ehime Bank

Legal name

株式会社愛媛銀行

Website

https://himegin.co.jp

Company type

Public

Founded year

1943

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Ehime Bank is a regional Japanese commercial bank headquartered in Matsuyama, serving retail customers, SMEs, and shipping companies across Ehime Prefecture via 111 branches, internet and mobile banking platforms, and specialized ship-finance operations, with a planned April 2027 merger into Iyogin Holdings.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

akta.pro secondary industry

Structured Trade & Export Credit (ECA-backed, Structured Solutions) (FSABAHAJ)

Keywords

• Regional banking services
• Ship finance lending
• Personal banking deposits
• Corporate banking solutions
• Investment trust products

Headquarters

HQ city

Matsuyama

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Primary revenue from interest earned on loan portfolio including housing loans, business loans, and ship finance. Deposits of 2.7843 trillion yen and loans of 2.0207 trillion yen as of March 2026.
2. Fee and Commission Income: Transaction fees including ATM fees, transfer fees, foreign exchange fees, account management fees, and securities brokerage commissions
3. Investment and Trust Services: Revenue from investment trusts, insurance sales, pension trust services, and securities brokerage through partnerships

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Ehime Bank is a regional commercial bank that accepts deposits and extends loans to retail and corporate customers across Shikoku, with a flagship specialization in ship finance for the maritime industry. It complements traditional banking with digital channels (With You Net, Himegin Business Net, Himegin App, HandyBank), investment trusts, insurance, card loans, factoring, and DX support services for small businesses.

Product overview

Ehime Bank operates as a regional commercial bank headquartered in Matsuyama, Ehime Prefecture, Japan, offering a comprehensive suite of banking products and services. The bank's digital banking platform is built around its core internet and mobile banking services — With You Net (personal) and Himegin Business Net (corporate) — supported by the Himegin App as the primary mobile interface. The product portfolio includes specialized sub-branded services: HandyBank (smartphone-only digital branch) and the Shikoku Pilgrimage Branch (internet-only deposit branch), alongside the Himegin Business Portal and Ehime Big Advance for corporate customers. Add-on modules enhance core banking with value-added services including AI-powered ROBO PRO AI Wrap (discretionary investment), Himegin Cloud Factoring powered by OLTA (invoice financing), Trust Idiom (identity verification), Himegin DX Support (business tool introduction), Himegin e-Tax Data Reception, E-Net Collection, and Bank Pay QR payments. The bank also provides traditional products including savings accounts, housing loans, card loans, insurance, investment trusts, NISA accounts, foreign currency deposits, and pension-related services. The Himegin Group includes subsidiaries in leasing, credit cards, software development, and ship finance.

Differentiator

Problem solved

Functional benefit

Brands

• HandyBank: Smartphone-based branch offering account opening and transfers with fee advantages.
• 四国八十八カ所支店
• ひめぎんアプリ
• With You Net
• Ehime Big Advance

Products and services

• Personal Banking (Deposits and Savings Accounts) Retail deposit and savings products (yen and foreign currency) for individual customers in Ehime Prefecture and the Shikoku region, served through the branch and digital channels.
• Housing Loans Mortgage and housing-related loan products for individuals purchasing or refinancing residential property.
• Card Loans Unsecured personal consumer loans accessed via the bank's card loan product for retail customers.
• Investment Trusts and NISA Investment trust products and NISA (Nippon Individual Savings Account) wrappers distributed to retail customers, available through branch advisors and securities partners.
• Insurance Products Personal insurance products distributed through the bank for individual customers, alongside investment and savings offerings.
• Corporate Banking Services Operating accounts, corporate loans, and treasury services for SMEs, mid-market firms, and public-sector entities in Shikoku.
• Ship Finance Specialized vessel and shipbuilding financing provided to Japanese shipping companies and maritime operators as the bank's signature niche lending franchise.
• With You Net (Personal Internet Banking) Personal internet banking service for retail customers to manage accounts, transfers, and transactions online.
• Himegin Business Net (Corporate Internet Banking) Corporate internet banking platform for business customers to execute transfers, payroll, and treasury operations online.
• Himegin App Mobile banking application for retail customers to access account information, transfers, and notifications from smartphones.
• HandyBank (Smartphone Virtual Branch) Smartphone-based virtual branch that allows customers to consult bank staff and conduct transactions remotely via video.
• Himegin Cloud Factoring (powered by OLTA) Cloud-based receivables financing service offered in partnership with OLTA to provide working capital to business customers.
• ROBO PRO AI Wrap AI-driven discretionary investment management wrap service for retail investors.
• Ehime Big Advance Business support platform for SMEs offering matchmaking, business card, and ancillary services bundled with banking.
• Himegin DX Support Digital transformation advisory and support services for corporate clients seeking to modernize operations.
• Himegin Business Portal Online portal for corporate customers to access business banking resources and services.
• Bank Pay (QR Payment) QR-code based payment service for retail customers leveraging the Bank Pay shared payment infrastructure.

Quantifiable outcome

• Approximately 80% market share in deposits and loans within Ehime Prefecture
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Iyogin Holdings (伊予銀行)coreStrategic or Co-development Partner · 25 July 2026Merger agreement signed to create combined banking group with ¥2.1 trillion in ship finance. Iyogin will become parent company through share exchange, with Ehime Bank becoming wholly owned subsidiary. Combined entity will have ¥12.6 trillion in assets and become Japan's third-largest ship finance lender.
• SBI Securities (SBI証券)coreChannel Partner/ Reseller/ DistributorFinancial product distribution partnership offering investment trusts, stocks, bonds, and NISA accounts through bank channels and online platform. Real-time deposit service enables instant fund transfers to SBI securities accounts.
• Daiwa Securities (大和証券)coreChannel Partner/ Reseller/ DistributorFinancial product intermediary services for investment trusts, Daiwa Fund Wrap services, stocks, and bonds. Selected branches offer face-to-face investment consulting.
• Seven BankcoreChannel Partner/ Reseller/ DistributorATM service partnership enabling account opening, information updates, and loan applications at Seven Bank ATMs nationwide, available 24/7.
• Japanese Agricultural Cooperatives Ehime (JAバンクえひめ)minorChannel Partner/ Reseller/ DistributorATM and cash deposit network partnership with JA Ehime, part of 4 YOU NET network
• Momiji Bank (もみじ銀行)minorChannel Partner/ Reseller/ DistributorATM alliance partnership for mutual ATM access without fees within Western Japan region
• Ehime PrefecturecoreStrategic or Co-development PartnerMultiple partnership agreements including carbon neutrality initiatives, SDGs promotion, forestry conservation, and regional development. Includes support for local ESG financing and decarbonization efforts.
• Shikoku Bank (百十四銀行)minorChannel Partner/ Reseller/ Distributor4 YOU NET ATM alliance network partnership for inter-regional ATM access across Shikoku region
• Tokushima Taisho Bank (阿波銀行)minorChannel Partner/ Reseller/ Distributor4 YOU NET ATM alliance network partnership for inter-regional ATM access across Shikoku region
• Kagawa Bank (香川銀行)minorChannel Partner/ Reseller/ Distributor4 YOU NET ATM alliance network partnership for inter-regional ATM access across Shikoku region

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Others

• Sumitomo Mitsui Trust Bank: Trust bank partner of Ehime Bank for inheritance and testamentary services. Comparable as a Japanese trust and banking institution offering overlapping pension trust, real estate, and asset management services.

Broad incumbents

• SBI Sumishin Net Bank: Japan's largest digital-only bank, a competitor for digital deposit and lending customers nationwide and a partner via Ehime Bank's SBI Securities distribution channel. Represents the digital-native model regional banks must compete against.
• Seven Bank: ATM-focused banking subsidiary of Seven & i Holdings with a nationwide convenience-store ATM network that Ehime Bank uses as a distribution partner. Comparable in offering 24/7 account-opening and loan application services at ATMs.
• MUFG Bank: Japan's largest mega-bank. Competes with Ehime Bank for large corporate clients in the Setouchi region and represents the large-incumbent benchmark for corporate banking, treasury, and trade finance capabilities.

Regional players

• Tokushima Taisho Bank: Regional bank headquartered in Tokushima Prefecture on Shikoku. A 4 YOU NET ATM alliance partner serving similar SME and retail customers in western Shikoku with comparable product mix.
• Kagawa Bank: Small regional bank based in Takamatsu, Kagawa Prefecture, also part of the 4 YOU NET ATM alliance. Comparable as a Shikoku-region deposit-taking institution with overlapping SME customer base.
• Momiji Bank: Regional commercial bank headquartered in Hiroshima, serving the western Japan Setouchi corridor that overlaps Ehime Bank's territory. Comparable in size, customer mix, and product suite, with an ATM alliance partnership.
• Japan Agricultural Cooperatives (JA Bank): Cooperative banking network with strong presence in Ehime Prefecture via JA Bank Ehime, a partner in the 4 YOU NET ATM alliance. Comparable as a regional deposit-taker focused on agricultural and SME customers in the same geography.

Direct peers

• Shikoku Bank: Regional commercial bank headquartered in Kagawa Prefecture serving the same Shikoku island. Direct competitor for SME and retail banking customers across the region and a partner in the 4 YOU NET ATM alliance with Ehime Bank.
• Iyogin Holdings: The parent banking group of Iyo Bank, a fellow Shikoku regional commercial bank. Directly comparable as Ehime Bank's announced merger partner (April 2027) with overlapping corporate banking, retail, and ship finance franchises in the broader Setouchi region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ehime Bank