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Our Operating Area Geographically advantageous Shiga Prefecture; located in the center of Japan Biwa Lake Kyoto Branch Nagoya Branch Osaka Branch Tokyo Branch Shiga Prefecture Leading population growth rates in Japan Population exceeded 1.4 million in the year ended March 31, 2009 (Thousands) Prefecture Growth rate 1,500 1,400 1,400 1 Tokyo 0.63% 1,340 1,380 1,280 2 Aichi 0.59% 1,220 1,150 3 Shiga 0.43% 1,070 1,000 980 Population Estimates for 2008, Oct. 2007 to Sept. 2008, Ministry of Internal Affairs and Communications 500 0 1975 1980 1985 1990 1995 2000 2005 2008 2009 3 SHIGA BANK Annual Report 2010 High population of youth: advantageous for securing High educational level; advantageous for obtaining future labor force future high-grade human resources Ratio of youth among Number of students per Prefecture population Prefecture 100,000 population 1 Okinawa 18.40% 1 Kyoto 6,080 2 Shiga 15.20% 2 Tokyo 5,564 3 Aichi 14.70% 3 Shiga 2,648 Population Estimates for 2008, Oct. 2007 to Sept. 2008, Ministry of Internal Affairs and Population Estimates for 2008, Oct. 2007 to Sept. 2008, Ministry of Internal Affairs and Communications Communications Expanding deposits and savings underpinned by high growth market Deposits (including negotiable certificate of deposits) Loans and bills discounted (Average balances during the period) (Average balances during the period) Total deposits Total Loans and bills discounted (Billions of yen) Individual deposits (Billions of yen) Loans and bills discounted to consumers 4,000 3,000 3,839.0 36,84.6 3,723.0 2,613.0 2,669.8 2,502.5 3,000 2,921.3 2,000 2,733.5 2,830.5 2,000 1,000 1,000 853.8 871.2 871.0 0 0 2008 2009 2010 2008 2009 2010 Deposit balances (share in Shiga Prefecture) Balances of loans and bills discounted (share in Shiga Prefecture) (As of September 30, 2009) (As of September 30, 2009) Other regional banks Other regional banks City banks City banks 2.45% 6.41% 2.32% 2.98% Second-tier regional banks Second-tier 13.10% regional banks 18.60% Shinkin banks Shiga Bank Shiga Bank 14.10% 44.49% 44.09% Shinkin banks Credit associations 14.60% 2.43% Others Credit associations Others 21.11% 2.24% 11.08% (Excluding Japan Post Bank and Shoko Chukin Bank) (Excluding Japan Post Bank, Shoko Chukin Bank, and Japan Finance Corporation) SHIGA BANK Annual Report 2010 4.

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Chapter 1-1 About Shiga Prefecture
Chapter 1-1 About Shiga Prefecture Abstract Shiga Prefecture is located more or less in the middle of the Japanese Archi- pelago. Surrounded by mountains, Shiga Prefecture forms the Omi Basin with Lake Biwa, the largest lake in Japan, located at the center of its lowland. With a history spanning some 4 million years, Lake Biwa is the oldest lake in Japan and one of the ancient lakes in the world. Keywords: Shiga Prefecture, Lake Biwa, Omi Basin 1. Features of Shiga Prefecture Shiga Prefecture is located more or less in the middle of the Japanese Archipelago. Close to the city of Kyoto to the west, Shiga Prefecture is located 86 minutes by limited express train from Kansai Interna- tional Airport. The land mass of Shiga Prefecture is approximately 1% of the total area of Ja- pan. About 1.4 million people reside in this prefecture. Fig. 1-1-2 Topography of Shiga Prefecture rounding mountains. The Seta River and the artificial Biwako (Lake Biwa) Canal form the lake’s outlets. Calculations have shown that it takes approximately 19 years for all the water in the lake to be completely renewed. Lake Biwa is the oldest lake in Japan. The lake in its present form began to Fig. 1-1-1 Location of Shiga Prefecture form more than 1 million years ago, and (http://en.biwako-visitors.jp/) its total history including its predecessors Shiga Prefecture forms a basin known spans some 4 million years, making Lake as the Omi Basin with mountains over Biwa one of the oldest in the world.
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Vol.22 August 2001
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