SHIZUOKA BANK (EUROPE)

SHIZUOKA BANK (EUROPE) is the European arm of The Shizuoka Bank, Ltd., positioned as a wholesale lender serving Japanese-affiliated and local corporates operating across European markets. Its product set centers on corporate lending (bilateral and syndicated facilities), trade finance (letters of credit, collections, guarantees), cash and deposit services for businesses, cross-border remittances, and foreign exchange and basic interest rate risk management; it does not offer retail banking, cards, or consumer mortgages. Delivery is relationship-manager led with a lean physical footprint and standard corporate e-banking for payments and reporting, and onboarding focuses on established corporate clients subject to full KYC/AML checks. Pricing is relationship-driven with lending spreads referenced to interbank benchmarks and fees applied to trade instruments and payments; minimum balance or activity requirements can apply. The balance sheet is modest relative to universal banks, with funding anchored in corporate deposits and parental support, a conservative risk appetite, and exposures concentrated in trade-linked and manufacturing sectors tied to Japanese supply chains in Europe. The entity operates under an EU regulatory framework for credit institutions, publishes audited financial statements and Pillar 3 disclosures, and benefits from the parent’s investment‑grade credit profile; cross-border service provision and any UK access are structured under the relevant local authorizations. Eligible deposits are covered by the host-country deposit guarantee scheme up to the statutory cap, while many large corporate balances fall outside protection. The bank is fit for corporates needing euro/yen liquidity, FX execution, and documentary trade services, but offers a narrower product shelf than universal banks and does not target consumers or early‑stage startups; service availability aligns with European business hours and there is no 24/7 support.