8393.T
8393.T
JP3908000007
MIYAZAKI BANK
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Company Profile

The Miyazaki Bank, Ltd., together with its subsidiaries, offers various banking products and services primarily in Japan. It operates through Banking Business and Leasing Business segments. The company offers account opening, and regular and fixed term deposits; deposits, including current, ordinary, notice deposits, time, installment savings, tax reserve, and non-resident yen deposits; card loan, consolidation loan, mortgage, free loan, reverse mortgage, and loan simulation apps and online banking; pet, online medical, death, life, and property insurance; and invests in government bonds, local government bonds, corporate bonds, stocks, and other securities. It also engages in the domestic exchange business activities, which include handling remittance exchanges, current account transfers, and collections; foreign exchange business activities, including various operations related to exports, imports, foreign remittances, and other foreign exchange; agency business; pension plans; cashless service; and M&A brokerage businesses. In addition, it is involved in the corporate online banking service, densai service, web slip creation service, change notification form creation service, collection service, pay-easy account transfer acceptance service, sales proceeds atm collection service, cashless payment service, night safe service, internet account transfer acceptance service, quick pc service, miyagin electronic delivery service, and warranty application service. Further, it engages in provision of leasing, credit guarantee, credit card, and other related services; funding; and provides management consulting services. The company was incorporated in 1932 and is headquartered in Miyazaki, Japan.

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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

7/7 Very High
5Y Volatility
32.6% p.a.
Max Drawdown (5Y)
-29.1%
Sharpe Ratio (5Y)
1.28
Size Class
Mega Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Exemplary balance sheet strength: Very solid ratio of equity to debt.
Strong cyclicality: The business model is sensitive to economic downturns.
Elevated Short-Term Volatility: 3Y volatility (38.1%) is noticeably higher than the 5Y average (32.6%).
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (32.6% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -58.2% in the extended horizon.
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