Ogaki Kyoritsu Bank

Basic Information

Stock Code
8361
Industry
Banking
Category Detail
Banks
Prefecture
Gifu Prefecture
Establishment Year
March 1896
Listing Year
October 1971
Official Website
https://www.okb.co.jp/
TSE Information
TSE Information
Yahoo! Finance
Yahoo! Finance
Other Companies
Iyo Bank Holdings, Shizuoka Financial Group, Kyoto Financial Group, Mebuki Financial Group, Concordia Financial Group, Sanju-San FG, Hiroshima Bank Holdings, Juroku FG, Chiba Bank, Gunma Bank, Fukuoka Financial Group, Hachijuni Bank, Hyakugo Bank

Overview

Ogaki Kyoritsu Bank is a regional bank founded in 1896, centered in Gifu Prefecture with expansion outside the prefecture, supporting the local economy through unique services and a wide regional financial network.

Current Situation

Ogaki Kyoritsu Bank has deposits and loans totaling approximately 4 trillion yen and 3 trillion yen respectively, competing with Juroku Bank in Gifu Prefecture while expanding branches into Aichi, Mie, and Shiga Prefectures. It promotes customer convenience with 365-day ATM operations and the nation's first drive-thru branches. While advancing operational efficiency through new system implementations and Web-ATM rollout, it focuses on diversifying personal products such as women-only loans and child-rearing support loans. Since 2015, it has been designated as Gifu Prefecture's financial institution, successfully strengthening public fund handling. With proactive sales expansion and exceptional customer satisfaction, it has solidified its growth foundation and is expected to play a central role in regional finance going forward. In recent years, it has also fostered community engagement and business diversification through disaster-response mobile branches and ATM slot games.

Trivia

Interesting Facts

  • Ogaki Kyoritsu Bank is one of Japan's oldest regional banks, founded in 1896.
  • Introduced the nation's first drive-thru ATM among financial institutions.
  • Offers baseball support fixed deposit 'VIVA! Dragons' linked to interest rates.
  • ATM game service provides unusual gaming features for a financial institution.
  • High-profile change in prefecture-designated financial institution status drew major attention in local finance.
  • Active PR through women's employee unit 'OKB45'.
  • Multiple Every Day Plazas enable 365-day year-round branch operations.
  • Statue of former president from Tsuchiya family erected in front of headquarters, symbolizing local roots.
  • Palm vein ATM 'Pipit' is the first implementation among regional banks nationwide.
  • Utilizes former ski resort site near bank for forest conservation activities.

Hidden Connections

  • The influential local landowner Tsuchiya family has produced successive presidents, wielding strong local influence.
  • Exclusive sales of related financial products through contract with Chunichi Dragons.
  • From the former Yasuda Yasunobu-sha lineage of the Yasuda Zaibatsu, with deep historical ties in finance.
  • Focuses on regional women's support through women-only and child-rearing support loans.
  • Built fee-free ATM network in collaboration with diverse partner financial institutions.
  • As a National Regional Banks Association member, early mover in out-of-prefecture expansion in Tokai region.
  • Provides bank-named facilities for local cultural activities and sports support in headquarters area.
  • Formed long-term partnership with NTT Data through financial system refresh.

Future Outlook

Growth Drivers

  • Enhanced convenience and diversified services in regional finance
  • Operational efficiency and customer satisfaction improvements via IT and digital tech adoption
  • Expansion of designated financial institution operations through strong local government ties
  • Growth in dedicated financial products for women and child-rearing
  • Strengthened corporate customer base accompanying wide-area regional economic expansion
  • Customer base expansion using mobile branches and online services
  • Brand value enhancement through regional social contributions
  • Expansion of SME financial products and credit guarantee business
  • Development of international finance via regional tourism and export industry support
  • Trends in regional bank digitization and collaboration promotion

Strategic Goals

  • Complete digitalization of financial services to improve customer experience
  • Capture over 20% market share in women and child-rearing segments
  • Enrichment of sustainable financial products addressing environmental and social issues
  • Doubling the scale of funds supplied to regional economy
  • Sustainable maintenance and expansion of local government designated financial contracts
  • Achieve ¥30 billion in sales from new corporate businesses
  • Nationwide rollout of financial education and regional contribution activities
  • Enhanced disaster response capabilities to boost regional trust
  • Security enhancements via cutting-edge tech like AI and biometrics
  • Secure over 200 total branches through multi-regional expansion

Business Segments

Corporate Lending and Fundraising Support

Overview
Diverse corporate financial services supporting regional companies' funding needs and management challenges.
Competitiveness
Regionally rooted and reliable credit standards
Customers
  • Small and Medium Enterprises
  • Local Chamber of Commerce Members
  • Agricultural Businesses
  • Regional Ventures
  • Manufacturing
  • Services
  • Distribution
  • Construction
  • Real Estate
  • Local Governments
Products
  • Business Loans
  • Equipment Fund Loans
  • Working Capital Loans
  • Credit Guarantees
  • Financial Consulting
  • Leasing and Finance
  • Foreign Exchange Transactions
  • Cash Flow Support
  • Lending Support
  • Corporate Pension Consulting

Deposits and Asset Management Services

Overview
Variety of financial products for customers aiming for safe and efficient asset management.
Competitiveness
Product proposal capabilities tailored to customer needs
Customers
  • Individual Investors
  • SME Owners
  • Local Governments
  • Pension Funds
  • Educational Institutions
  • Medical Corporations
  • Agricultural Cooperatives
  • Industrial Associations
  • Asset Management Corporations
  • General Corporations
Products
  • Fixed Deposits
  • Investment Trusts
  • Annuity Insurance
  • Foreign Currency Deposits
  • Asset Management Advice
  • Government Bond Transactions
  • Asset Management Planning
  • Trust Services
  • Inheritance Support
  • Corporate Asset Management

International Finance and Foreign Exchange Transactions

Overview
Provides diverse foreign exchange-related products and services supporting international trade.
Competitiveness
Extensive overseas office network
Customers
  • Importers/Exporters
  • Local Manufacturers
  • Trading Companies
  • Overseas Trading Companies
  • Trade Offices
  • Overseas Staff
  • Multinational Corporations
  • Tourism-Related Businesses
  • International Logistics Companies
  • Small Exporters
Products
  • Foreign Exchange Services
  • Foreign Currency Exchange
  • Import/Export Letters of Credit
  • Overseas Remittances
  • FX Risk Hedging
  • Overseas Investment Support
  • International Consulting
  • Branch Office Support
  • Trade Finance
  • Overseas Transaction Settlements

Credit Guarantee and Guarantee Services

Overview
Deploys credit guarantee services to create a secure lending environment.
Competitiveness
Rapid regional guarantee response
Customers
  • Small and Medium Enterprises
  • Sole Proprietors
  • Local Governments
  • Credit Guarantee Associations
  • Financial Institutions
  • Chambers of Commerce
  • Agricultural Organizations
  • Construction Companies
  • Manufacturers
  • Service Providers
Products
  • Credit Guarantee Loans
  • Credit Guarantee Association Joint Guarantees
  • Lending Consulting
  • Debt Guarantees
  • Guarantee History Management
  • Guaranteed Leasing
  • Debt Restructuring Support
  • Guarantee Fee Management
  • Guarantee Consulting
  • Financial Guarantees

Systems and IT Solutions

Overview
Utilizes subsidiaries for building and managing information processing systems.
Competitiveness
Long-term partnerships
Customers
  • Local Governments
  • Small and Medium Enterprises
  • Financial Institutions
  • Chambers of Commerce
  • School Corporations
  • Hospitals
  • Distribution
  • Manufacturing
  • Services
  • Government Agencies
Products
  • BankVision System Implementation
  • Core Banking Open Platform
  • Web-ATM Development
  • Security Measures
  • System Operation Support
  • Customer Management Systems
  • Business Efficiency Software
  • Information System Reconstruction
  • Digital Transformation Support
  • IT Infrastructure Development

Leasing and Finance Operations

Overview
Provides leasing solutions supporting a wide range of equipment investments.
Competitiveness
Detailed support for regional companies
Customers
  • Manufacturing
  • Construction
  • Transportation
  • IT Companies
  • Medical Institutions
  • Educational Institutions
  • Hotels
  • Distribution
  • Agricultural Corporations
  • Services
Products
  • Equipment Leasing
  • Operating Leases
  • Finance Leases
  • Asset Management
  • Equipment Sales Support
  • Fundraising Support
  • Leasing Advisory
  • Lease Contract Management
  • Credit Sales
  • Asset Management

Guarantee-Related Operations

Overview
Reduces lending risks through diverse guarantee products.
Competitiveness
Fair and rapid review system
Customers
  • Home Buyers
  • SME Owners
  • Local Governments
  • Financial Institutions
  • Credit Guarantee Associations
Products
  • Loan Guarantees
  • Home Loan Insurance
  • Debt Guarantees
  • Credit Information Management
  • Risk Management

Regional Development and Local Government Support

Overview
Collaborative support with local governments aimed at regional economic revitalization.
Competitiveness
Trust as prefecture-designated financial institution
Customers
  • Local Governments
  • Regional Development Organizations
  • Chambers of Commerce
  • NPOs
  • Regional Agricultural Organizations
Products
  • Public Funds Handling
  • Regional Revitalization Funds
  • Infrastructure Development Loans
  • Regional Financial Coordination
  • Industry Support Programs

Investment Trusts and Asset Management

Overview
Comprehensive support for personal and corporate asset building and management.
Competitiveness
Detailed regional support
Customers
  • High-Net-Worth Individuals
  • SME Owners
  • Pension Funds
  • Medical Corporations
  • Educational Institutions
Products
  • Investment Trust Sales
  • Pension Management Support
  • Wealth Management Advice
  • Asset Succession Planning
  • Financial Planning

Card Payment Services

Overview
Provides diverse payment solutions rooted in the region.
Competitiveness
High reliability through JCB partnership
Customers
  • Individuals
  • SME Stores
  • Online Shops
  • Food and Beverage
  • Retail
Products
  • OKB Debit Card
  • Credit Card Issuance
  • Payment Processing
  • Points Program
  • Merchant Support

Women and Child-Rearing Support Loans

Overview
Deploys dedicated loans and support services for women and child-rearing generations.
Competitiveness
Regionally specialized detailed services
Customers
  • Women
  • Single Mothers
  • Child-Rearing Generations
Products
  • Women-Only Loan Bi-sket
  • Single Mother Support Loan Tetote
  • Child-Rearing Support Consulting

Online and Digital Banking

Overview
Full range of online financial services to enhance customer convenience.
Competitiveness
Early adoption of advanced technologies
Customers
  • Personal Customers
  • Small Corporations
  • Branch Users
  • Mobile Branch Users
Products
  • Web-ATM
  • Mobile Banking
  • Online Transfers
  • Account Management App
  • Cash Card Integration

Competitive Advantage

Strengths

  • Long history of regional closeness and trusted relationships
  • Numerous nationally first unique financial services
  • Diverse sales base through wide-area expansion
  • Public trust as designated financial institution
  • Utilization of innovative ATMs and digital technologies
  • Comprehensive lineup of personal products
  • Strong regional network and partners
  • Unique product development for women and child-rearing
  • Introduction of high-quality information processing systems
  • Regional contributions via diverse mobile branches

Competitive Advantages

  • High customer satisfaction and recognition in regional finance
  • Pioneering nation's first drive-thru ATM
  • Broad expansion outside Gifu Prefecture
  • First regional bank to achieve 365-day year-round operations
  • Supports both individuals and corporations with diverse products
  • Exclusive position in prefecture as designated institution
  • New products targeting women and child-rearing
  • Transition to advanced IT platforms
  • Expanded fee-free ATMs through diverse partnerships
  • Solid management policy leveraging regional closeness

Threats

  • Profit pressure from domestic low-interest environment
  • Risk of increased management costs with scale expansion
  • Impact of population decline in regional economy
  • Intense deposit and loan competition with rivals
  • Need for rapid response to technological changes
  • Potential business constraints from regulatory strengthening
  • Operational impact from sudden natural disasters
  • Concerns over credit risk and non-performing loans
  • Growing digital crime risks
  • Entry of emerging fintech companies

Innovations

2024: OKB Super Frontier Bus Operations Launched

Overview
Launched mobile branch service touring the Eastern Mikawa region to strengthen regional finance.
Impact
Achieved greater regional integration of financial services and improved customer convenience.

2023: BankVision System Implementation Completed via Refresh

Overview
Completed migration to core banking system from NTT Data (Windows-based).
Impact
Improved operational efficiency and service quality.

2022: Palm Vein Authentication ATM 'Pipit' Nationwide Rollout Expanded

Overview
Introduced cardless biometric ATMs at multiple branches to enhance convenience.
Impact
Enhanced security and increased user convenience.

2021: Women-Only Loan 'Bi-sket' Expanded

Overview
Launched new women-only loan product for beauty-related uses.
Impact
Expanded female customer base and acquired new customers.

2020: Web-ATM Nationwide First Operations Start

Overview
Rolled out Web-ATMs with screen customization based on user attributes.
Impact
Significantly improved user convenience and acquired new customers.

2020: OKB Debit (JCB) Service Launched

Overview
Began issuing region's first JCB-branded debit cards in partnership with JCB.
Impact
Increased cashless payment users and diversified revenue.

Sustainability

  • Support activities for regional disabled employment facilities
  • Environmental conservation through local forest development agreements
  • Active participation in regional culture and sports activities
  • Strengthened operations of disaster-time regional support mobile branches
  • Development and promotion of environmentally considerate financial products