What The Tajima Bank does

The Tajima Bank, Ltd. (但馬銀行) is a regional commercial bank founded in 1897 and headquartered in Toyooka City, Hyogo Prefecture, Japan. It is an unlisted private company operating under Financial Institution Code 0164 and registered with the Kinki Finance Bureau. The bank serves individual retail customers, small and medium enterprises, and senior/pension recipients primarily across the Kansai region — Hyogo, Osaka, and Kyoto prefectures — through a network of over 50 branches and sub-branches and an extensive ATM alliance spanning Seven Bank, Lawson, E-net, Aeon Bank, and Japan Post Bank.

The bank's product platform spans four pillars: deposits (general savings, time deposits, pension-linked deposits, retirement special-rate deposits), lending (home mortgages including Flat 35, reverse mortgages, secured free-use loans, startup and medical-practice loans, and senior-focused lending), investment products (mutual funds, automatic investment accumulation, foreign currency deposits in USD/EUR/AUD, and Nomura Securities intermediation), and insurance distribution (annuities, whole life, long-term care, disability, medical/cancer, education, iDeCo). Digital infrastructure consists of a full-service internet banking platform, a lightweight internet banking tier, a nationwide internet-only branch (MyNet Branch), biometric IC cards using finger vein authentication, Visa-branded debit cards, and an open API for electronic payment service providers integrated with Money Forward, Freee, and AnserDATAPORT.

The bank generates revenue from net interest income on loans and deposits, transaction and account fees, ATM fees for third-party usage, insurance and investment trust distribution commissions, foreign exchange fees, and securities intermediary commissions from Nomura Securities. The GTM motion is primarily direct-to-consumer through physical branches, supplemented by digital onboarding and ATM-driven cash access. Notable product rationalizations in 2025–2026 — discontinuation of PiTaPa cards and biometric transaction services on IC cash cards — alongside new investment trust and insurance handling indicate a deliberate shift from low-margin card services toward fee-based wealth and protection products.

Name

The Tajima Bank

Legal name

株式会社　但馬銀行 (The Tajima Bank, Ltd.)

Website

https://tajimabank.co.jp

Company type

Private

Founded year

1897

Operating status

Operating

Headcount range

11–50 employees

Short description

The Tajima Bank (但馬銀行) is a 127-year-old unlisted regional Japanese bank headquartered in Toyooka, Hyogo Prefecture, serving retail, SME, and senior customers across the Kansai region through 50+ branches with deposits, mortgages, loans, insurance, and investment trust products.

Ownership category

akta.pro rank

Headquarters

HQ city

Hyogo

HQ country

Japan

HQ region

Asia

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Traditional banking revenue from interest on loans including mortgages, personal loans, and business loans. Core revenue stream from lending activities.
2. Fee-based Income: Various service fees including ATM transaction fees, account management fees, insurance product distribution commissions, investment trust sales commissions, and foreign exchange services.
3. Financial Intermediation Services: Financial product intermediary business commissioned by Nomura Securities for securities account开设 and foreign bonds sales, generating commission income.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

The Tajima Bank is a regional Japanese bank offering deposit accounts (savings, time deposits, pension-linked deposits), mortgage and personal loans, business loans for SMEs and startups, investment trusts, foreign currency deposits, and a range of insurance products. It distributes these services through over 50 branches and an ATM network across Hyogo, Kyoto, and Osaka prefectures, complemented by internet banking and a biometric IC card system.

Product overview

The Tajima Bank is a regional financial institution headquartered in Toyooka, Hyogo Prefecture, offering a comprehensive suite of banking products and services. The bank operates primarily in Hyogo Prefecture with branches across the Kansai region including Kyoto, Osaka, and expanding into other prefectures. The core banking platform centers on savings and deposit products (普通預金, 貯蓄預金, 定期預金) complemented by a full range of lending products including home mortgages (住宅ローン, フラット35), personal loans, and specialized business loans (創業サポート, 開業医サポート, 経営革新). The investment and asset management arm provides mutual funds (投信自動積立), foreign currency deposits, and acts as financial product intermediary for Nomura Securities. Insurance offerings span life, medical, cancer, long-term care, disability, and education insurance through partnerships with major insurers. Digital banking services include full internet banking, light internet banking for basic accounts, a nationwide internet-only branch (マイネット支店), ATM networks with convenience store partnerships, biometric IC cards with finger vein authentication, and SMS notification services. The bank also provides business services including electronic bill services (でんさい), foreign exchange web services, and cloud accounting software integrations.

Differentiator

Problem solved

Functional benefit

Brands

• たんぎんバンクカードVisa (Tangin Bank Card Visa): IC-enabled debit card with Visa functionality offering convenience and security features.
• たんぎん年金俱楽部 (Tangin Pension Club)
• たんぎん住宅ローン (Tangin Housing Loan)
• セカンドライフ応援 (Second Life Support)
• たんぎん投信自動積立 (Tangin Automatic Investment Trust)
• たんぎん生体認証ICカード (Tangin Biometric IC Card)

Products and services

• Tangin Ordinary Savings Account (たんぎん普通預金・総合口座) Primary personal banking account combining deposits and transactions, serving as a comprehensive account for individuals.
• Savings Deposit (貯蓄預金) Deposit account designed for systematic accumulation of funds, offering tiered interest rates based on balance levels.
• Time Deposits and Installment Savings (定期預金・積立) Time deposits and systematic installment savings plans for individual customers seeking fixed-term investment products.
• Pension Time Deposit (年金定期) Time deposit product offering preferential interest rates for public pension recipients.
• Tangin Housing Loan (たんぎん住宅ローン) Home mortgage loan product for purchasing, building, or renovating residential properties, available in fixed and variable rate options.
• Tangin Flat 35 Fixed-Rate Housing Loan (たんぎん固定金利 住宅ローン フラット35) Government-backed fixed-rate mortgage product with terms up to 35 years for residential property financing.
• Reverse Mortgage Loan (リバースモーゲージローン) Reverse mortgage product allowing senior homeowners to access home equity while retaining residence in the property.
• Second Life Support Free Loan (セカンドライフ応援ローン) Unsecured personal loan product designed for pension recipients aged 60-75, with loan amounts from 100,000 to 1,000,000 yen and 7.8% annual variable interest rate.
• Tangin Startup Support Loan (たんぎん創業サポートローン) Loan product designed to support entrepreneurs establishing new businesses in the Kansai region.
• Tangin Medical Practice Startup Loan (たんぎん開業医サポートローン) Specialized loan product supporting physicians opening their own medical practices.
• Investment Trusts (投資信託) Investment trust products offered for asset accumulation, including various fund types for individual investors.
• Tangin Automatic Investment Trust Accumulation (たんぎん投信自動積立) Systematic monthly investment plan starting from 1,000 yen for automated investment trust accumulation.
• Foreign Currency Time Deposits (たんぎん外貨定期預金) Foreign currency time deposits available in USD, EUR, and AUD for currency diversification.
• Financial Product Intermediary Business (金融商品仲介業務) Financial product intermediary service acting as registered intermediary for Nomura Securities, enabling customers to access securities accounts, foreign bonds, and investment services through bank branch windows.
• Individual Annuity Insurance (個人年金保険) Individual annuity insurance product combining asset management, pension, and life insurance functions for retirement planning.
• Single-Premium Whole Life Insurance (一時払終身保険) Whole life insurance with single lump-sum premium payment providing lifetime coverage.
• Medical and Cancer Insurance (医療・がん保険) Insurance products providing benefits for hospitalizations and treatments due to illness, injury, or cancer diagnosis.
• Internet Banking Service (インターネットバンキングサービス) Full-service internet banking platform accessible via PC and smartphone, enabling balance inquiries, transfers, time deposit transactions, investment trust operations, mortgage prepayments, and address changes.
• Internet Banking Light Service (インターネットバンキングライトサービス) Basic internet banking service for account holders, providing balance inquiries, transaction history review, address changes, and internet banking enrollment.
• MyNet Branch - Internet-Only Branch (マイネット支店) Internet-only branch without physical counter, serving customers nationwide via internet banking and ATM access.
• Tangin Biometric IC Card (たんぎん生体認証ICカード) Biometric IC cash card using finger vein pattern authentication for enhanced security, supporting daily withdrawal limits up to 2 million yen for biometric transactions.
• Tangin Bank Card Visa (たんぎんバンクカードVisa) IC-enabled Visa-branded debit card with multiple tiers (Regular, Ladies, Gold) offering various annual fee structures and usage-based fee waivers.
• Will Trust Service (遺言信託) Trust service assisting customers with will preparation and execution for estate planning purposes.
• Inheritance Settlement Service (遺産整理) Estate settlement service handling complex probate procedures on behalf of heirs.
• Foreign Exchange Web Service (外為WEBサービス) Online foreign exchange service enabling business customers to conduct international trade transactions and currency exchanges.
• Densai Electronic Bill Service (でんさいサービス) Electronic bill service for business customers managing digital trade receivables.
• ATM Service (ATMサービス) Comprehensive ATM network including proprietary bank ATMs and partner ATMs at convenience stores (Seven Bank, Lawson, E-net) and Aeon Bank locations.
• Pension Club Life Support Pack (たんぎん年金倶楽部 ライフサポートパック) Life support package providing various services for public pension recipients who maintain accounts with the bank.
• E-money and Smartphone Payment Charging Service (電子マネー・スマホ決済サービス) Service enabling instant charging of various e-money and smartphone payment services directly from the customer's ordinary savings account.
• Business Insurance Products (事業者向け保険) Business insurance products including executive retirement plans, business continuity coverage, and employee welfare solutions from partners Tokyo Marine and Nippon Life.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature2 records

Partnerships

Eight partnerships are on record, tiered standard, core and minor.

• Money Forward Inc. (マネーフォワード社)standardTechnology or Integration · 18 May 2026Partnership for financial aggregation services allowing Money Forward users to connect their Tajimabank accounts for consolidated financial management. The partnership was temporarily suspended and later resumed in May 2026.
• Nomura Securities (野村證券株式会社)coreStrategic or Co-development PartnerTajima Bank conducts financial product intermediary business commissioned by Nomura Securities. The bank handles securities account opening and foreign bond sales at its branch windows, enabling customers to access Nomura Securities products through the bank's branch network.
• JACCS Co., Ltd. (株式会社ジャックス)coreChannel Partner/ Reseller/ DistributorJACCS provides guarantee services for the bank's Second Life Support Free Loan and Second Life Support Card Loan products, enabling the bank to offer unsecured loans to qualifying customers.
• Seven Bank, Ltd.standardChannel Partner/ Reseller/ DistributorPartnership for ATM network access allowing Tajimabank customers to use Seven Bank ATMs nationwide for cash withdrawals, deposits, and account inquiries.
• Aeon Bank, Ltd.standardChannel Partner/ Reseller/ DistributorATM network partnership enabling mutual customer access to banking services at Aeon Bank ATM locations across Japan.
• Japan Post Bank (ゆうちょ銀行)standardChannel Partner/ Reseller/ DistributorATM network partnership allowing Tajimabank customers to use Japan Post Bank ATMs for banking transactions.
• Kobelco Kobe Steelers (コベルコ神戸スティーラーズ)minorGTM or Marketing PartnerThe bank sponsors the professional rugby team Kobelco Kobe Steelers as part of its community engagement and regional brand promotion activities.
• Vissel Kobe (ヴィッセル神戸)minorGTM or Marketing PartnerThe bank sponsors the professional soccer team Vissel Kobe to support local sports and strengthen community ties.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Minato Bank, Ltd. Minato Bank is a regional bank headquartered in Kobe, Hyogo Prefecture — the same primary service area as Tajima Bank. Both serve the Kansai region with retail deposits, mortgages, and SME lending, competing head-to-head for the same household and SME customer base in Hyogo.
• Kansai Mirai Bank, Limited: Kansai Mirai Bank is a regional bank operating across the Kansai region with comparable retail banking, SME lending, and wealth management offerings. Like Tajima Bank, it competes for retail and small business customers in Osaka and surrounding prefectures, with similar product breadth.
• Bank of Kyoto, Ltd. Bank of Kyoto is a regional bank headquartered in Kyoto that overlaps directly with Tajima Bank's branch presence in Kyoto. Both offer regional deposits, mortgages, investment trusts, and SME support, competing for the same Kansai retail and corporate customers.
• San-in Godo Bank, Ltd. San-in Godo Bank is a regional bank serving the San-in area (Tottori and Shimane) adjacent to Tajima Bank's home territory in northern Hyogo. Both are mid-sized regional banks with similar deposit-based business models, branch-led distribution, and exposure to rural demographic decline.
• Tottori Bank, Ltd. Tottori Bank is a small regional bank headquartered in Tottori, immediately adjacent to Tajima Bank's service area. Both banks operate comparable retail and SME banking models in rural western Japan with similar demographic challenges.

Broad incumbents

• Resona Bank, Ltd. Resona is a major Japanese banking group (parent of Saitama Resona Bank and Kansai Mirai Bank, among others) with substantial Kansai regional presence. While much larger, Resona competes with Tajima Bank in retail deposits, mortgages, and SME banking across overlapping branch territories.
• Sumitomo Mitsui Banking Corporation: SMBC is one of Japan's three mega-banks with extensive Kansai operations serving consumers and SMEs. Tajima Bank competes with SMBC for higher-end retail customers, larger SMEs, and corporate banking relationships in the same geographic footprint.

Emerging players

• SBI Sumishin Net Bank, Ltd. SBI Sumishin Net Bank is a leading Japanese online/digital bank offering retail deposits, mortgages, and personal loans through a fully digital platform. It represents the digital-first competitive threat to traditional regional banks like Tajima Bank, especially in deposit and mortgage acquisition for younger and more mobile customers.
• Rakuten Bank, Ltd. Rakuten Bank is a major Japanese digital bank serving retail customers nationwide via mobile-first deposit accounts, securities, and lending. It competes for the same retail deposit and personal banking relationships that Tajima Bank cultivates through its physical branch network in Hyogo.

Regional players

• Hokkoku Bank, Ltd. Hokkoku Bank is a regional bank in Ishikawa Prefecture facing similar rural demographic headwinds and operating a comparable full-service retail + SME banking franchise. As a peer of similar scale and profile, it provides a useful benchmark for Tajima Bank's structural challenges and strategic options.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Tajima Bank