Iyo BankLtd. is a bank operating mainly in the four prefectures of Shikoku and the seven prefectures surrounding the Seto Inland Sea in Japan. The bank's strategy emphasizes regional market penetration in the island nation. It offers mostly commercial banking services, but also leasing and other financial services. Most of the bank's income is net interest income derived from traditional spread lending. The bank's loan portfolio is diversified across several industries, most notably transportation and postal services, wholesale and retail, real estate and rental, and the service industry.