The Mishima Shinkin Bank

What The Mishima Shinkin Bank does

The Mishima Shinkin Bank (三島信用金庫) is a member-owned cooperative credit union founded in July 1950 and headquartered in Mishima, Shizuoka Prefecture, Japan. Operating under the Shinkin Banking Act (信用金庫法) with FSA oversight, the bank serves individuals and small-to-medium enterprises across eastern Shizuoka Prefecture — the Mishima, Numazu, Izu Peninsula, and surrounding regions — through a network of 50+ branches, an extended-hours ATM footprint, and dedicated advisory facilities including the multi-floor Support Center Yume (サポートセンター夢) with Saturday operations.

The bank's product portfolio spans core retail banking (housing loans, car loans, education loans, unsecured personal loans, card loans, deposits, investment trusts, NISA, iDeCo, and insurance distribution), business banking (commercial loans, startup financing, business succession/M&A support, WEB-FB corporate banking, payroll services), and a layered digital stack including personal and corporate internet banking, a mobile app with paperless passbook functionality, densai net (electronic trade receivables), and the Sanshin Big Advance cloud platform connecting SME clients to 300+ large corporations and partner financial institutions. Payment acceptance is enabled through multi-QR integration (StarPayAplus) supporting nine domestic and international schemes including PayPay, LINE Pay, Alipay, and WeChat Pay.

Revenue is generated primarily through net interest income on the loan-deposit spread (the traditional credit union intermediation model), supplemented by transaction and account fees, investment product and insurance distribution commissions, and advisory fees tied to business support services. The bank operates two wholly-owned subsidiaries (Sanshin Heartfull Co., Ltd. and the SanShin Welfare Association), is a member of the Shinkin Central Bank network, and has been recognized as the first shinkin in Shizuoka Prefecture to achieve Platinum Kurumin and Eruboshi 3-star certifications simultaneously. Go-to-market blends physical relationship banking with structured SME advisory through branch staff, the Support Center Yume, and periodic events such as the Fujisan Business Fair and the Sanshin Dream Company Awards program.

Name

The Mishima Shinkin Bank

Legal name

三島信用金庫

Website

https://mishima-shinkin.co.jp

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

11–50 employees

Short description

Mishima Shinkin Bank (三島信用金庫) is a member-owned cooperative credit union founded in 1950, serving individuals and SMEs across eastern Shizuoka Prefecture through 50+ branches and digital banking channels, offering deposits, loans, investment products, and business support services.

Ownership category

akta.pro rank

Headquarters

HQ city

Hamamatsu

HQ country

Japan

HQ region

Asia

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income (Interest Rate Spread): Core revenue stream from the spread between interest rates charged on loans (housing loans, business loans, consumer loans) and interest paid on deposits. As a shinkin (credit union), the bank intermediates between depositors and borrowers in the local region.
2. Fee and Commission Income: Fees from account management, ATM transactions, wire transfers, electronic banking services, densai net (electronic trade receivables), investment product sales (mutual funds, NISA), insurance product placement, safe deposit boxes, and loan-related fees. Fee schedule is publicly posted on the website.
3. Investment Product Distribution: Revenue from selling investment trusts, NISA accounts, government bonds, and insurance products to retail customers, earning distribution commissions from product providers.
4. Business Support Services: Advisory and intermediary services for businesses including startup financing, business succession/M&A matchmaking (via Sanshin Big Advance platform), subsidy application support, and seminar/events — generating loan demand and fee income.

Pricing tiers

Go-to-market motion3 records

Distribution channels9 records

Marketing channels9 records

Core offering

The Mishima Shinkin Bank operates as a regional credit union providing deposit accounts, housing loans, car loans, education loans, personal loans, investment trusts, insurance, and pension products to individual customers, alongside business loans, electronic receivables, business matching, and advisory services for local SMEs. The bank serves its defined region in eastern Shizuoka Prefecture and the Izu Peninsula through 50+ physical branches, digital banking channels (internet banking, mobile app), and specialized advisory centers, generating revenue primarily through net interest spread and transaction-based fees.

Product overview

The Mishima Shinkin Bank operates as a regional credit union providing a comprehensive suite of financial products and services to individual and business customers in the Mishima and Izu Peninsula region. The core banking offerings include mortgage loans (さんしん住宅ローン), automobile loans (カーライフプラン), education loans (教育プラン), and personal unsecured loans (さんしんフリーローン「紡」, さんしんカードはがき「城堡」). Digital banking services are delivered through WEBバンキング for personal users and WEB-FB for business customers, supported by the official Sanshin mobile app which includes passbook app functionality. Wealth management services encompass investment trusts (投資信託) with NISA accounts and iDeCo pension plans. The bank also operates the Sanshin Big Advance platform for business matching and support, でんさいネット for electronic receivables, and offers various insurance products. Customer support is provided through the Support Center Dream offering consultations on loans, asset management, pensions, and tax matters.

Differentiator

Problem solved

Functional benefit

Brands

• さんしん相続手続きサポートサービス: Inheritance procedure support service partnering with legal professionals such as lawyers and tax accountants
• さんしんサポートセンター 夢

Products and services

• Sanshin Housing Loan (さんしん住宅ローン) Home mortgage loan product for purchasing, constructing, or renovating homes in the Mishima and Izu areas, offering long-term fixed and variable rate options with preferential partnerships with local municipalities.
• Car Life Plan (カーライフプラン) Automobile loan for new and used car purchases, motorcycle purchases, inspection fees, and related expenses, available as a WEB-complete fully online application process.
• Education Plan (教育プラン) Education loan for tuition and school-related expenses, available in WEB-complete fully online application format.
• Sanshin Free Loan Tsuburi (さんしんフリーローン「紡」) Unsecured personal loan with flexible usage for various personal financial needs.
• Sanshin Card Loan Castle (さんしん銀行カード「城」) Revolving credit card loan for flexible borrowing up to specified limits.
• Reverse Mortgage 60 (リバース60) Reverse mortgage product allowing senior homeowners to borrow against home equity for retirement funds.
• WEB Banking (Personal) (WEBバンキング) Online banking platform for personal customers to manage accounts, transfers, bill payments, and view transaction history.
• WEB-FB Business Banking (WEB-FB 事業者向け) Online banking service for business customers enabling bulk transfers, salary disbursements, and corporate account management.
• Mishima Shinkin Official App Sanshin (三島信用金庫公式アプリさんしん) Mobile banking app providing account access, balance checking, transaction history, paperless passbook function, and household accounting features for retail customers.
• densai net Electronic Receivables (でんさいネット) Electronic commercial paper and receivables management service for business transactions, providing digital documentation and transfer of trade receivables.
• Sanshin Big Advance Cloud-based business support platform offering financial institution collaboration, business matching with nationwide partners and major corporations, subsidy search, chat functionality, and employee welfare services for SME customers.
• Support Center Yume (サポートセンター夢) Comprehensive consultation center offering housing loans, asset management, pensions, business management, tax advisory, and startup support with Saturday availability.
• Investment Trust (投資信託) Mutual fund investment products for asset formation, including NISA tax-advantaged accounts and automatic investment accumulation plans.
• iDeCo Individual Defined Contribution Pension (個人型確定拠出年金 iDeCo) Individual-type defined contribution pension plan for retirement savings with tax advantages.
• Insurance Products (各種保険商品) Various insurance products including life, medical, and property insurance distributed through partnerships with insurance providers.
• StarPayAplus Multi-QR Payment Service Multi-QR code payment acceptance service integrating 9 domestic and international QR payment platforms (Origami Pay, LINE Pay, PayPay, au PAY, mercari Pay, d払い, Rakuten Pay, WeChat Pay, Alipay) for business merchant customers.
• Debit Card Service (デビットカードサービス) Debit card for direct payment from checking account with J-Debit functionality.
• IC Cash Card (キャッシュカード) IC-enabled cash card with enhanced security features including magnetic information regeneration service.
• Pay-easy Account Transfer Service (Pay-easy口座振替受付サービス) Account transfer reception service for utility bills, taxes, and other recurring payments.
• Deposit Products (Savings, Time Deposits, Installment Savings) Core deposit products including regular savings accounts, time deposits (including internet time deposits and special promotional time deposits), and installment savings for individual customers.
• Inheritance Procedure Support Service (さんしん相続あんしんサポートサービス) Inheritance procedure support service partnering with legal professionals such as lawyers and tax accountants to assist customers with inheritance procedures.

Quantifiable outcome

• 813 employees across 50+ branches in eastern Shizuoka Prefecture as of 2018
• +5 more outcomes

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered supporting, core and minor.

• Shimizu Town / Shimizu Town Commerce Association / Mitsui Sumitomo Marine Fire Insurance (清水町・清水町商工会・三井住友海上火災保険)supportingStrategic or Co-development Partner · 1 December 2024Quadripartite partnership agreement for the Shimizu Town SDGs Declaration system, committing the four parties (Shimizu Town, Shimizu Town Chamber of Commerce, Mitsui Sumitomo Marine Fire Insurance, and the bank) to coordinated SDGs activities and regional development initiatives.
• APLUS (株式会社アプラス)coreTechnology or Integration · 6 January 2020Partnership to offer the StarPayAplus multi-QR payment service, enabling business customers to accept multiple QR payment standards (Origami Pay, LINE Pay, PayPay, au PAY, mercari Pay, d払い, 楽天Pay, WeChat Pay, Alipay) through a single app/terminal. This expanded the payment acceptance capability beyond the Origami-only offering.
• Shizuoka East 4 Shinkin Banks Joint SDGs Declaration (静岡県東部4信金『共同SDGs宣言』)coreStrategic or Co-development Partner · 27 November 2019Joint SDGs Declaration announced November 2019 by four shinkin banks in eastern Shizuoka Prefecture. The four banks committed to coordinated action across environmental, social, and economic domains using the SDGs framework, with the goal of regional revitalization through the combined reach and resources of the four institutions.
• PRTIMES (株式会社PRTIMES)supportingGTM or Marketing Partner · 21 October 2019Business partnership with PRTIMES (Tokyo, listed on TSE First Section: 3922) to provide press release distribution services to the bank's business customers through the Sanshin Big Advance platform. Eligible businesses receive up to 3 free press releases over 6 months. This supports SME clients' PR and marketing efforts as part of the bank's broader business support services.
• Sanshin Big Advance Platform (さんしん Big Advance)coreTechnology or Integration · 18 July 2019Cloud-based financial institution linkage platform connecting the bank's SME clients with partner financial institutions' customers and 300+ large corporations for B2B matchmaking. Includes subsidy search, chat, and employee benefit services. Deployed as the bank's primary SME business support and customer retention platform, with the goal of accelerating main business support and creating cross-institutional referral networks.
• Fiduciary Duty Initiative (フィデューシャリー・デューティー)supportingStrategic or Co-development Partner · 5 November 2018The bank formulated its Customer-Oriented Business Management (フィデューシャリー・デューティー) Practice Policy in November 2017, committing to customer-first service principles in investment product distribution. The bank's practices were subsequently disclosed and reviewed, representing alignment with industry-wide fiduciary standards.
• Origami (株式会社Origami)coreTechnology or Integration · 10 August 2018Partnership for mobile QR code payment acceptance enabling the bank's business customers to accept Origami Pay and Alipay (for inbound tourism). The deal included a merchant acquisition agent agreement, with the goal of expanding cashless payment acceptance across the Izu Peninsula — driven by anticipated growth in inbound tourism (Izu Peninsula Geopark world designation in April 2018, 2020 Olympics cycling events). Later, Origami was acquired by the Mercari Group (January 2020).
• Hakone Shirasagi Kaido Tourism Promotion Council (箱根八里街道観光推進協議会)minorGTM or Marketing Partner · 12 July 2017Partnership agreement for promoting tourism along the historic Hakone Shirasagi Kaido route, supporting regional tourism activation and cross-regional economic benefits in the Izu Peninsula.
• Legal Support for Adult Guardianship (公益社団法人成年後見センター・リーガルサポート)supportingStrategic or Co-development Partner · 6 July 2017Agreement with the Japan Federation of Bar Associations' Adult Guardianship Center (Legal Support) to provide adult guardianship system referral services at bank branches, assisting customers who may need guardianship-related financial services.
• Sagami Shinkin Bank (さがみ信用金庫)supportingStrategic or Co-development Partner · 12 January 2017Memorandum of understanding for regional activation cooperation signed January 2017, focused on joint initiatives to promote economic activity in the region served by both shinkin banks.
• Shizuoka Tourism Activation Fund / Shizuoka Tourism Solutions Inc. (株式会社しずおか観光ソリューションズ)supportingStrategic or Co-development Partner · 16 May 2016Establishment of a tourism activation company (Shizuoka Tourism Solutions Inc.) in May 2016 to support tourism-related business development in Shizuoka Prefecture, with the bank as a founding/partner entity.

Scale indicators4 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Sagami Shinkin Bank: Kanagawa-based shinkin bank with overlapping eastern Shizuoka / Izu service territory. Confirmed strategic partner — signed a regional activation MOU with Mishima Shinkin in January 2017 and co-participant in the Shizuoka East 4 Shinkin Joint SDGs Declaration. Operates under identical shinkin cooperative regulatory framework with comparable retail/SME focus.
• Numazu Shinkin Bank: Shizuoka Prefecture shinkin bank headquartered in Numazu — directly adjacent to Mishima Shinkin's core market. Co-participant in the Shizuoka East 4 Shinkin Joint SDGs Declaration, indicating overlapping service territory and identical member-owned shinkin model targeting retail and SME customers.
• Shizuoka Shinkin Bank: Shizuoka Prefecture's flagship shinkin bank serving central Shizuoka City and surrounding areas. Same regulatory framework (Shinkin Bank Act) and similar cooperative model with retail and SME lending. Competes for the same household and SME deposits within the broader Shizuoka prefecture.
• Shimizu Shinkin Bank: Shizuoka Prefecture shinkin bank serving the Shimizu area — directly referenced as Mishima Shinkin operates a branch within Shimizu's territory. Identical member-owned cooperative model, same regulatory framework, and overlapping SME/retail deposit and lending competition.
• Yaizu Shinkin Bank: Shizuoka Prefecture shinkin bank serving the Yaizu region — same cooperative framework and member-owned model. Competes for Shizuoka-prefecture SME and retail customers with a comparable product suite of deposits, loans, and digital banking services.
• Shimada Shinkin Bank: Shizuoka Prefecture shinkin bank serving the Shimada area. Identical cooperative banking model under the Shinkin Bank Act, with overlapping regional SME and retail deposit competition in the broader Shizuoka market.

Broad incumbents

• Suruga Bank: Regional commercial bank headquartered in Numazu serving eastern Shizuoka — directly overlapping Mishima Shinkin's Izu Peninsula territory. Operates as a chartered commercial bank (not cooperative) with broader product set including wealth management, but competes head-to-head for the same local SME and retail deposits.
• Shizuoka Bank: Largest regional commercial bank in Shizuoka Prefecture with full-service retail, corporate, and treasury capabilities. While not a direct shinkin peer, it competes for the same eastern-Shizuoka SME and retail customers with a broader product portfolio and significantly larger balance sheet.

Emerging players

• SBI Sumishin Net Bank: Digital-first Japanese bank partially owned by Sumitomo Mitsui Trust and the shinkin network (Shinkin Central Bank-affiliated). Targets the same retail deposit and loan market as regional shinkin banks but with a much lower cost-to-serve via its branchless model, representing a structural digital competitor to traditional shinkins like Mishima.
• Rakuten Bank: Online-focused Japanese commercial bank with aggressive retail deposit and consumer loan pricing. Does not directly operate a shinkin franchise but competes for the same retail deposit base that regional shinkin banks like Mishima rely on, increasingly via mobile-first offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mishima_shinkin
• YouTubeyoutube.com/channel/UC1234567890
• Facebookfacebook.com/mishimashinkin
• LinkedInlinkedin.com/company/mishima-shinkin
• Instagraminstagram.com/mishima_shinkin/?hl=ja

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about The Mishima Shinkin Bank