San-in Godo Bank, Ltd. is a regional bank headquartered in Shimane Prefecture. It has accumulated the largest deposits (deposits and negotiable certificates of deposit) in the San-in region, at roughly JPY5.7tn. The bank primarily operates in Shimane and Tottori prefectures, where it has captured leading deposit and lending shares of 40–50% each. Despite having its main base of operations in the San-in prefectures, which are grappling with a severe population decline and aging, the bank has achieved higher profitability than other regional banks in Japan thanks to initiatives such as cross-prefectural lending and reductions in fixed costs.