Keiyo Bank

Basic Information

Stock Code
8544
Industry
Banking
Category Detail
Banks
Prefecture
Chiba Prefecture
Establishment Year
March 1943
Listing Year
April 1973
Official Website
https://www.keiyobank.co.jp/
TSE Information
TSE Information
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Other Companies
Iyogin Holdings, Shizuoka Financial Group, Kyoto Financial Group, Mebuki Financial Group, Concordia Financial Group, Hirogin Holdings, Chiba Bank, Gunma Bank, Chiba Kogyo, Fukuoka Financial Group, Hachijuni Bank, Ehime Bank

Overview

Keiyo Bank is a second-tier regional bank founded in 1943 and centered in Chiba Prefecture, with strengths in financial services for small and medium-sized enterprises (SMEs) and individuals as a community-focused bank.

Current Situation

Keiyo Bank's latest financial position shows consolidated net profit of 12.1 billion yen for the fiscal year ended March 2018, with deposits outstanding at 4.4215 trillion yen and loans outstanding at 3.4543 trillion yen, building a solid foundation. Its core SME lending and individual services have high regional closeness, serving as a source of competitive advantage. The bank focuses on developing IT talent and maintains standalone system operations, enabling prompt service responses. For regional revitalization, it emphasizes financial support and business matching, and has been certified as a Health Management Excellence Corporation for multiple years, prioritizing employee health management. Looking ahead, it plans to introduce a next-generation core banking system in January 2025 to improve operational efficiency and strengthen digital capabilities, while also focusing on uncovering funding needs from new customer segments. Through Ministry of Economy, Trade and Industry certification as a Health Management Excellence Corporation and regional contribution activities, it fulfills social responsibilities while maintaining stable growth.

Trivia

Interesting Facts

  • Originally founded in 1943 as a mutual loan company.
  • As the second regional bank after Chiba Bank, it has a massive presence in Chiba Prefecture.
  • The head office building in Chiba Minato eliminated counter services and is an ATM-only new format store.
  • Maintains rare standalone core banking system operations domestically.
  • Owns one of the nation's top soft baseball teams with 12 national championships.
  • Certified as Health Management Excellence Corporation for three consecutive years since 2022.
  • Since 2018, advancing in-house IT talent development to strengthen system maintenance.
  • Has multiple branches in Tokyo, also serving to connect local Chiba and Tokyo.
  • Achieved efficiency among regional financial institutions through shared administrative operations.
  • Strengthened overseas expansion support through partnership with H.I.S.

Hidden Connections

  • Strong ties with local Chiba Prefecture municipalities and companies, serving as a key partner in regional revitalization.
  • Capital and business alliances with multiple damage insurance and life insurance companies.
  • Rare example among regional banks of in-house IT talent development.
  • Plays a vital role supporting regional public services as a designated financial institution centered in Chiba Prefecture.
  • The strength of its corporate baseball team contributes to regional branding and employee morale.
  • The airborne store design of the Chiba Minato head office building is a unique format.
  • Utilizes expert dispatch through collaboration with Regional Economy Revitalization Corporation to support regional SMEs.
  • Successful standalone system operations differentiate it from other regional banks.

Future Outlook

Growth Drivers

  • Growth from increasing lending needs of regional SMEs
  • Operational efficiency gains from digital banking introduction
  • Enhanced individual products for aging society
  • Talent acquisition strengthened by Health Management Excellence certification
  • New business cultivation through expanded regional collaboration funds
  • Customer base expansion via non-face-to-face service enhancements
  • Regional revitalization promotion through cooperation with local governments
  • Competitive edge strengthening from next-generation IT system introduction
  • Cost reductions and service improvements through inter-regional bank collaboration
  • New revenue sources via overseas expansion support

Strategic Goals

  • Full operation and stable management of next-generation core banking system
  • Customer touchpoint diversification through digital shift
  • New business support via scaled-up regional economic revitalization funds
  • Continuous maintenance of Health Management Excellence certification
  • Achieve top-class customer satisfaction as a regional bank
  • Enhanced contribution to regional society and strengthened social trust
  • Business area expansion and response to diverse financial needs
  • Sustained technological innovation through young IT talent development
  • Achieve over 50% transaction ratio via non-face-to-face channels
  • Strengthened management considering environment, society, and governance (ESG)

Business Segments

SME Lending

Overview
Provides diverse lending products and financial support for regional SMEs.
Competitiveness
Meticulous customer support rooted in the region
Customers
  • Local SMEs
  • Manufacturing
  • Retail
  • Services
  • Construction
  • Food and Beverage
  • Logistics
  • Healthcare and Welfare
  • IT Companies
  • Agricultural Corporations
Products
  • Working Capital Loans
  • Equipment Funds Loans
  • Project Finance
  • Business Succession Support
  • Startup Support Loans
  • Real Estate Collateral Loans
  • Guaranteed Loans
  • Short-Term Loans
  • Long-Term Loans
  • Cash Flow Support

Personal Financial Services

Overview
Comprehensive support from fund management to daily life assistance for individual customers.
Competitiveness
High customer satisfaction and regional brand
Customers
  • General Individual Customers
  • Seniors
  • Younger Generation
  • Local Residents
  • Home Buyers
  • Education Fund Seekers
  • Asset Management Hopefuls
  • Pension Recipients
  • Self-Employed
  • Freelancers
Products
  • Home Loans
  • Card Loans
  • Asset Management Products
  • Insurance Products
  • Deposit Accounts
  • Pension Receipt Services
  • Education Fund Support
  • Installment Deposits
  • Trust Products
  • Smartphone Payment Integration

Corporate Business Services

Overview
Provides services tailored to diverse financial needs of companies and organizations.
Competitiveness
Broad business support and flexible responsiveness
Customers
  • Mid-Sized Companies
  • Large Company Subsidiaries
  • Municipalities
  • Financial Institutions
  • Chambers of Commerce
  • Business Cooperatives
  • Public Interest Corporations
  • Educational Corporations
  • Medical Corporations
  • Local Governments
Products
  • Settlement Services
  • Fund Management Services
  • Foreign Exchange Transactions
  • Guarantee Services
  • Corporate Pension Management
  • Investment Trust Sales
  • Business Fund Loans
  • Overseas Remittances
  • Subsidy Management
  • Factoring

Regional Revitalization Support

Overview
Implements multifaceted financial support to revitalize the regional economy.
Competitiveness
Strong local networks
Customers
  • Local Governments
  • Shopping Street Associations
  • Regional Business Groups
  • NPO Corporations
  • Agricultural Groups
  • Tourism Associations
  • Cultural Groups
  • Local Schools
  • Citizen Groups
  • Regional Revitalization Organizations
Products
  • Regional Revitalization Loans
  • Event Support
  • Regional Collaboration Funds
  • Management Consulting
  • Startup Support
  • Regional Brand Development
  • Tourism Promotion Support
  • Regional Talent Development
  • Public Works Funds
  • Disaster Recovery Funds

Fund Management and Investment Trusts

Overview
Provides diverse fund management products and operational support.
Competitiveness
Asset management advice tailored to regional customers
Customers
  • Individual Investors
  • Corporate Pension Operations
  • Local Governments
  • Asset Management Companies
  • Fund Managers
  • Consumer Cooperatives
  • Insurance Companies
  • Financial Product Intermediaries
  • Credit Unions
  • Foundations
Products
  • Investment Trust Sales
  • Government Bond Trusts
  • Equity Trusts
  • Real Estate Trusts
  • Pension Fund Operations
  • Asset Management Services
  • Seminars
  • Risk Diversification Products
  • ESG Investments
  • Financial Product Consulting

IT and System Integration

Overview
Promotes financial service improvements using the latest IT technologies.
Competitiveness
Strength in in-house system development and IT talent cultivation
Customers
  • SMEs
  • Financial Institutions
  • Corporate Groups
  • System Vendors
  • IT Service Companies
  • Government Agencies
  • Chambers of Commerce
  • Educational Institutions
  • Consulting Firms
  • Regional Organizations
Products
  • Core Banking System Integration
  • Online Banking Systems
  • Payment Platforms
  • API Integration Services
  • Security Management
  • Data Analysis Services
  • Financial IT Consulting
  • Digital Transformation Support
  • Mobile App Development
  • System Operation Support

Real Estate Related Services

Overview
Comprehensive financial services related to residential and commercial real estate.
Competitiveness
Deep knowledge of the local real estate market
Customers
  • Individual Customers
  • SMEs
  • Real Estate Companies
  • Construction Companies
  • Investors
  • Local Governments
  • Home Manufacturers
  • Urban Development Operators
  • Financial Institutions
  • Leasing Companies
Products
  • Home Loans
  • Real Estate Collateral Loans
  • Real Estate Investment Trusts
  • Land Utilization Support
  • Construction Fund Loans
  • Land Sale Intermediation
  • Asset Management Services
  • Leasing Finance
  • Real Estate Valuation
  • Real Estate Consulting

Insurance Agency Business

Overview
Handles diverse insurance products to support customer risk management.
Competitiveness
Local customer support and strong proposal capabilities
Customers
  • Individual Customers
  • Corporate Customers
  • SMEs
  • Large Companies
  • Municipalities
  • Group Associations
  • Educational Institutions
  • Medical Corporations
  • Farm Managers
  • Seniors
Products
  • Life Insurance
  • Damage Insurance
  • Medical Insurance
  • Auto Insurance
  • Fire Insurance
  • Corporate Liability Insurance
  • Pension Insurance
  • Group Insurance
  • Physician Liability Insurance
  • Nursing Care Insurance

Regional Financial Revitalization Fund

Overview
Operates funds to meet diverse regional economic needs.
Competitiveness
Flexible investment approach aligned with regional needs
Customers
  • Emerging Companies
  • Venture Companies
  • SMEs
  • Regional Revitalization Groups
  • Municipalities
  • Chambers of Commerce
  • University-Spun Ventures
  • Agriculture-Related Companies
  • Welfare-Related Corporations
  • Tourism-Related Businesses
Products
  • Fund Supply
  • Venture Capital
  • Business Restructuring Support
  • Equity Participation
  • Management Support Services
  • New Business Loans
  • Management Consulting
  • Technology Development Support
  • Matching Support
  • Subsidy Utilization Support

International Financial Services

Overview
Provides support for international transactions and diverse foreign currency services.
Competitiveness
Expertise supporting regional companies' overseas expansion
Customers
  • Import/Export Companies
  • Overseas Staff
  • Overseas Travelers
  • Multinational Companies
  • International NGOs
  • Government-Related Groups
  • Currency Traders
  • Trade Companies
  • Local Subsidiaries
  • Investors
Products
  • Foreign Exchange Transactions
  • Overseas Remittance Services
  • Foreign Currency Deposits
  • Export/Import Letters of Credit
  • Trade Credit Insurance
  • Currency Options
  • Overseas Investment Support
  • Local Currency Settlements
  • International Payment Agency
  • Risk Hedge Products

Education and Training Services

Overview
Implements diverse education and training programs for regional economic revitalization.
Competitiveness
Effective talent development support rooted locally
Customers
  • Local SMEs
  • Financial Institution Staff
  • Local Professionals
  • Educational Corporations
  • NPO Corporations
  • Municipalities
  • Entrepreneurs
  • Managers
  • Labor Unions
  • Regional Groups
Products
  • Financial Literacy Courses
  • Management Improvement Training
  • IT Skills Training
  • Management Courses
  • Startup Support Seminars
  • SDGs Training
  • Health Management Courses
  • Asset Building Courses
  • Regional Revitalization Seminars
  • Community Workshops

System Outsourcing

Overview
Provides high-quality IT operation services centered on the financial sector.
Competitiveness
Abundant track record specialized in the financial industry
Customers
  • Regional Banks
  • Credit Unions
  • SMEs
  • IT-Related Companies
  • Public Institutions
  • Educational Institutions
  • NPOs
  • Medical Corporations
  • Industrial Cooperatives
  • Financial Product Sales Companies
Products
  • Core Banking System Maintenance
  • Online Payment Management
  • Data Center Operations
  • Security Services
  • System Audits
  • IT Infrastructure Construction
  • Cloud Introduction Support
  • Backup Services
  • Operation Monitoring
  • Troubleshooting

Competitive Advantage

Strengths

  • Strong community-based customer base
  • Abundant lending expertise for SMEs
  • System operation capabilities through in-house IT talent development
  • Employee satisfaction from Health Management Excellence certification
  • Comprehensive corporate support framework
  • Wide lineup of financial products
  • Active business expansion in regional revitalization
  • High-convenience ATM network through multi-branch deployment
  • Strong partnerships with affiliates
  • Solid financial base and asset scale

Competitive Advantages

  • Meticulous customer service rooted in the local economy
  • Rapid IT responsiveness from standalone system operations
  • High market share as a second-tier regional bank centered in Chiba Prefecture
  • Financial services specialized for SMEs and individuals
  • One-stop service provision through diverse financial products
  • Social trust gained from Health Management Excellence certification, etc.
  • Strengthened business matching and regional revitalization support
  • Operation of flexible funds to uncover funding needs
  • Steady growth strategy in the region with a long-term management perspective
  • Enhanced online and non-face-to-face services

Threats

  • Risk of regional economic contraction due to population decline
  • Intense competition among regional banks
  • Prolonged financial regulations and low-interest environment
  • Increased system investment burden from digitalization push
  • Threat from new fintech entrants
  • Increased credit risk from economic downturns
  • Risk of local industries relocating overseas
  • Potential stagnation of economic activity from natural disasters
  • Burden of responding to diversifying customer financial needs
  • Impact of international situations on exchange rates and fund flows

Innovations

2024: Next-Generation Core Banking System Operation Plan

Overview
Plans to migrate from conventional mainframes to a next-generation open core banking system to enhance operational efficiency and digital capabilities.
Impact
Improved system stability and cost reductions through business automation

2023: Launch of new app to strengthen non-face-to-face transactions

Overview
Revamped smartphone app to improve convenience for account management and transfers, diversifying customer touchpoints.
Impact
Promotes higher customer satisfaction and increased transactions

2022: Opening of new store format with weekend and evening operations

Overview
Began deploying new store formats with extended hours to meet busy customer needs.
Impact
Increases customer usage opportunities and service expansion

2021: Establishment of in-house IT talent development system

Overview
Internally develops talent capable of handling advanced financial IT environments to strengthen system operation independence.
Impact
Enhanced system reliability and rapid incident response

2021: Conclusion of business matching support agreement

Overview
Collaborates with H.I.S. to support client overseas expansion and business matching for inbound tourists.
Impact
Promotes international expansion of regional SMEs

2020: Expert dispatch agreement with Regional Economy Revitalization Corporation

Overview
Began dispatching external experts to promote regional industry revitalization and solve management challenges.
Impact
Strengthens customer management capabilities and regional economic support

Sustainability

  • Continuous acquisition of Health Management Excellence certification
  • Disaster support activities in collaboration with local communities
  • Resource consumption reduction through operational efficiency
  • Promotion of work-life balance for employees
  • Support for sustainable development of regional industries
  • Paperless initiatives and accelerated digitalization
  • Environmentally considerate office operations
  • Workplace environment improvement based on diversity respect
  • Financial education and asset building support programs
  • Regular issuance of CSR reports