Fujinomiya Shinkin Bank

What Fujinomiya Shinkin Bank does

Fujinomiya Shinkin Bank (富士宮信用金庫, commonly branded "Miyashin") is a member-owned cooperative financial institution (Shinkin Bank) founded in June 1933 and headquartered at 31-15 Motomiyo-machi, Fujinomiya City, Shizuoka Prefecture, Japan. Registered with the Tokai Finance Bureau (登金 No. 65, financial institution code 1507), the bank operates within a geographically restricted service area covering Fujinomiya City and Fuji City. It serves retail consumers and small-to-medium enterprises (SMEs) through a network of 19 branches and an ATM network with fee-free transactions. Digital channels include WEBバンキング (internet banking for individuals), WEB-FB (corporate internet banking), the Shinkin Passbook App, Pay-easy payment integrations, and web-completed loan application flows. As of March 2025, the bank reported 4,122億 yen in deposits and 1,703億 yen in outstanding loans, and employed 267 staff (146 male, 121 female, average age 37.7).

The bank's revenue model combines net interest income from its lending portfolio — covering housing mortgages (Oasis variable-rate product), auto loans (Car Life Plan), education loans, personal loans, card loans, business support loans (Miyashin Business Support), and agricultural financing (Agri Support) — with fee-based income from insurance commissions, investment trust sales, foreign exchange, and account services. Its go-to-market is relationship-led: dedicated consultation plazas (Customer Consultation Plaza, Miyashin Support Consultation Room) provide face-to-face advisory services, complemented by weekend and Thursday-evening consultation sessions, regional community events, and government partnership programs. Customer segments span individual retail (deposits, housing, consumer loans, pensions, insurance) and SME/agricultural borrowers (working capital, business succession, decarbonization support).

Strategic differentiation rests on community embeddedness and cooperative identity rather than scale or technology. The bank has pursued multi-party partnerships with Fujinomiya City, local chambers of commerce, and three neighboring Shinkin banks (Numazu, Mishima, Fuji) on joint SDG declarations and business matching trade fairs. It is also a participant in the Shizuoka GX Support decarbonization initiative via e-dash Corporation (a Mitsui & Co. subsidiary) and Shinkin Central Bank. As a cooperative under Shinkin Bank law, the institution has no public shareholders, no exchange listing, and is governed by members through a general meeting system.

Name

Fujinomiya Shinkin Bank

Legal name

富士宮信用金庫 (Fujinomiya Shinkin Bank)

Website

https://miyashin.co.jp

Company type

Private

Founded year

1933

Operating status

Operating

Headcount range

251–500 employees

Short description

Fujinomiya Shinkin Bank is a member-owned cooperative Shinkin Bank founded in 1933, serving retail customers and SMEs in Fujinomiya and Fuji cities, Japan, through 19 branches and digital banking channels, with a deposit base of 4,122億 yen as of March 2025.

Ownership category

akta.pro rank

Headquarters

HQ city

Fujinomiya

HQ country

Japan

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income (Loan Interest): Interest income from lending activities including housing loans, car loans, education loans, personal loans, agricultural loans, and business loans to SMEs.
2. Fee-Based Services: Transaction fees, account management fees, foreign exchange services, insurance product sales commissions, investment trust sales commissions, and other service fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Fujinomiya Shinkin Bank (Miyashin) is a member-owned cooperative financial institution (shinkin bank) founded in June 1933, operating 19 branches across Fujinomiya City and Fuji City in Shizuoka Prefecture, Japan. The bank offers deposit products (ordinary, time, savings, comprehensive, passbook accounts), mortgage and consumer loans (housing loan "Oasis," car loans, education loans, card loans, free loans), business and agricultural financing, internet and mobile banking, investment products (investment trusts, government bonds), insurance, and consultation/matchmaking services for individuals, SMEs, and the agricultural sector. With ¥412.2 billion in deposits and ¥170.3 billion in loans as of March 2025 and 267 employees, it operates as a community-focused regional cooperative bank.

Product overview

Fujinomiya Shinkin Bank is a regional credit union (信用金庫) providing comprehensive banking and financial services to the Fujinomiya and Fuji city regions in Shizuoka Prefecture, Japan. The bank operates a traditional branch-based banking model supplemented by digital channels. Its core deposit products include comprehensive accounts (総合口座), ordinary deposits (普通預金), time deposits (定期預金), installment savings (定期積金), and specialized accounts for tax payment preparation, adult guardianship support, and housing finance. Loan products span housing mortgages (変動金利型住宅ローン オアシス), auto financing (カーライフプラン), education loans (教育ローン), personal loans, card loans (みやしんきゃっする, ビッグ, クイックローン・ゴールド), business support loans (みやしんビジネス応援団), and agricultural financing (農業関連資金, アグリサポート). Digital services include WEBバンキング for individuals, WEB-FB for corporates, Pay-easy payment services, net account transfer services, and a passbook app. The bank provides face-to-face consulting through its みやしんサポート相談室 (みやサポ) for business customers and みやしんお客さま相談プラザ for individual customers, offering pension consultations, weekend financial salons, and Thursday evening consultation sessions. Investment products include investment trusts and government bonds, complemented by insurance offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Deposit Accounts (ordinary, time, savings, comprehensive, passbook)

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Fujinomiya City, Fujinomiya Chamber of Commerce, Shibakawa Chamber of Commerce, and 5 other entitiescoreStrategic or Co-development Partner · 3 February 2022Zero Carbon City Partnership Agreement signed on February 3, 2022 (Reiwa 4). 7-party agreement including Fujinomiya Shinkin Bank, Fujinomiya City, Fujinomiya Chamber of Commerce, Shibakawa Chamber of Commerce, and 3 other entities. Aims to promote local energy conservation, renewable energy adoption, and sustainable regional development.
• e-dash Corporation (e-dash株式会社)coreTechnology or IntegrationBusiness partnership through Shinkin Central Bank with e-dash Corporation, a 100% subsidiary of Mitsui & Co., Ltd. Provides low-cost CO2 emission measurement and visualization services for SME decarbonization support. Staff training sessions conducted.
• Fujinomiya City, Fujinomiya Chamber of Commerce, Shibakawa Chamber of CommercecoreStrategic or Co-development Partner4-party coordination agreement for regional industrial promotion. Fujinomiya Shinkin Bank provides financing and consultation support for local SME problem-solving, while the other parties contribute municipal and business association resources for regional economic development.
• Shizuoka Prefectureよろず支援拠点 (Shizuoka General Support Platform)minorStrategic or Co-development PartnerPartnership providing comprehensive SME consultation services including post-COVID business support, sales channel development, business restructuring, and subsidy application assistance.
• しずおか中小企業支援ネットワーク (Shizuoka SME Support Network)minorStrategic or Co-development PartnerParticipation in Shizuoka SME Support Network to enhance effectiveness of business support activities and provide comprehensive services to regional SMEs.
• 静岡県事業継承・引継ぎ支援センター (Shizuoka Business Succession Support Center)minorStrategic or Co-development PartnerCollaboration on business succession consulting for regional SMEs. Provides guidance and support for business owners navigating succession challenges.
• 静岡県産業振興財団 (Shizuoka Industrial Promotion Foundation)minorStrategic or Co-development PartnerExternal expert dispatch program through the Foundation for providing specialized expertise to SMEs. Supports business improvement and growth initiatives.
• 静岡県中小企業活性化協議会 (Shizuoka SME Revitalization Council)minorStrategic or Co-development PartnerRegular information exchange and collaboration on SME business improvement and revitalization support. External expert utilization for business support activities.
• Shizuoka Eastern 4 Shinkins Joint SDG Declaration PartnerscoreStrategic or Co-development PartnerJoint SDG Declaration signed November 27, 2019 (Reiwa 1) by 4 Shinkin banks: Fujinomiya, Numazu, Mishima, and Fuji. Joint commitment to sustainable regional development across environmental, social, and economic domains.
• 信金中央金庫 (Shinkin Central Bank)coreOthersCentral institution for Shinkin banks nationwide. Provides banking services, data network, and system infrastructure support to Shinkin banks including Fujinomiya Shinkin Bank.
• 全日本信用金庫協会 (National Association of Shinkin Banks)minorOthersIndustry association representing all Shinkin banks in Japan. Sets standards and provides collective representation for the Shinkin sector.
• 中部しんきんカード (Chubu Shinkin Card)minorChannel Partner/ Reseller/ DistributorCredit card services through Chubu Shinkin Card. Provides credit card issuance and services to Shinkin bank customers in the Chubu region.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• National Association of Shinkin Banks: 全国信用金庫協会 — the industry association representing all 254 Shinkin banks in Japan. Sets standards and provides collective representation for the Shinkin sector; relevant for policy and regulatory benchmarking.
• Shinkin Central Bank: 信用中央金庫 — the central cooperative institution for all Japanese Shinkin banks. Functions as the central bank for Shinkin sector: provides settlement, data network, and system infrastructure (including the WEB banking platform Fujinomiya uses). Not a competitor but a key infrastructure partner.

Broad incumbents

• Shizuoka Bank: 静岡銀行 — the dominant regional commercial bank in Shizuoka Prefecture with a much larger balance sheet and broader product suite. Incumbent competitor that overlaps with Fujinomiya Shinkin on SME and retail banking, but operates across the prefecture and beyond.
• Suruga Bank: スルガ銀行 — a regional commercial bank headquartered in Numazu, Shizuoka. Broader incumbent serving the same eastern Shizuoka corridor; offers retail and SME banking at greater scale but with different strategic priorities (including its past specialty in non-conforming housing loans).

Direct peers

• Yaizu Shinkin Bank: 焼津信用金庫 — a Shinkin bank operating in neighboring Shizuoka Prefecture. Direct peer with comparable deposit/lending franchise scale, product mix, and member-owned cooperative charter; useful comparison for community banking economics.
• Mishima Shinkin Bank: 三島信用金庫 — a Shinkin bank in eastern Shizuoka. Direct peer: partner in the Joint SDG Declaration (Nov 2019) and Shizuoka Eastern 4 Shinkins Business Matching trade fair. Same cooperative charter and community-focused SME lending model.
• Fuji Shinkin Bank: 富士信用金庫 — a Shinkin bank serving Fuji City in Shizuoka, directly adjacent to Fujinomiya's market. Direct peer: partner in the Joint SDG Declaration and Business Matching events. Most direct geographic and product overlap.
• Numazu Shinkin Bank: 沼津信用金庫 — a Shinkin bank operating in eastern Shizuoka Prefecture. Direct peer: co-signed the Joint SDG Declaration with Fujinomiya in November 2019 and participates in the same Shizuoka Eastern 4 Shinkins Business Matching events. Same business model, charter type, and regional footprint style.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Fujinomiya Shinkin Bank