Fuji Shinkin Bank

Name

Fuji Shinkin Bank

Legal name

富士信用金庫 (Fuji Shinkin Bank)

Website

https://fuji-shinkin.jp

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

251–500 employees

Short description

Fuji Shinkin Bank is a regional cooperative bank (信用金庫) founded in 1953, headquartered in Fuji City, Shizuoka Prefecture, serving individual retail customers and SMEs across eastern Shizuoka with deposits, loans, internet banking, and business advisory services.

Ownership category

akta.pro rank

Headquarters

HQ city

Fuji

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Primary revenue source from interest rate spreads on loans (housing loans, consumer loans, business loans) and other credit products
2. Deposit Taking: Accepts deposits from individuals and businesses including savings accounts, time deposits, and foreign currency deposits
3. Fee and Commission Income: Transaction fees from ATM usage, wire transfers, account management services, internet banking subscriptions, and foreign exchange transactions
4. Investment Products Distribution: Distribution of investment trusts (投信), national bonds (国債), and insurance products with associated distribution fees

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Fuji Shinkin Bank is a regional cooperative bank (shinkin bank) headquartered in Fuji City, Shizuoka Prefecture, providing retail and commercial banking services including deposit accounts (savings, time deposits, installment savings, foreign currency deposits), personal and corporate lending (housing loans, consumer loans, business financing), investment products (investment trusts, Japanese government bonds), insurance distribution, and digital banking services. The bank also offers business support services such as M&A advisory, HR matching, subsidy consulting, and a greenhouse gas emission calculation tool (しずおかGXサポート).

Product overview

Fuji Shinkin Bank is a regional credit union (信用金庫) headquartered in Fuji City, Shizuoka Prefecture, serving individuals and SMEs in the eastern Shizuoka region. Its product portfolio is organized around four core pillars: (1) Personal deposit products — comprehensive savings accounts, time deposits (定期預金), installment savings (定期積金), foreign currency deposits, investment trusts, and Japanese government bonds; (2) Personal lending — housing mortgages (我家応援隊, 変動金利型), unsecured loans, renovation loans, auto loans, education loans, and WEB完結 online-only loans (consumer loans, auto loans, credit lines); (3) Corporate banking — business loans, startup/entrepreneurship financing, TKC support loans, M&A/succession advisory, and capital markets products (私募債, ABL); (4) Digital banking services — corporate internet banking (WEB-FB), retail internet banking (ダイレクトバンキング), ANSER automated notifications, electronic securities (でんさいネット), foreign exchange, night safe deposits, and API-linked accounting software connectivity. The bank also offers specialized support services including HR matching (有料職業紹介), subsidy consulting, IT/energy efficiency advisory, and carbon accounting tools (しずおかGXサポート).

Differentiator

Problem solved

Functional benefit

Brands

• ANSERサービス: Automated transaction notification and account inquiry service via telephone or facsimile for corporate customers.
• しんきん通帳アプリ
• WEB-FB
• ダイレクトバンキング
• しずおかGXサポート

Products and services

• Time Deposits (定期預金) Time deposit products including super定期 (1 month to 5 years), floating-rate deposits (3-year), large-denomination deposits (10 million JPY+), preferential rates for pension recipients and retirees, and the Fuji Shinkin Inheritance Fixed Deposit with +0.250% premium for inherited funds.
• Installment Savings (定期積金) Installment savings products including Super定期積金 (6 months to 5 years), custom-named plans, Hohoemi Plan for pension recipients with +0.10% premium, and Hug Kumi (child-rearing bonus of +0.20% to +0.30% for parents of children under 18).
• Foreign Currency Deposits (外貨預金) US dollar demand deposits (TTS/TTB rate applied) and US dollar time deposits with terms of 1/3/6/12 months and auto-renewal options. Subject to exchange rate risk and not covered by deposit insurance.
• Comprehensive Savings Account (総合口座・各種預金) Comprehensive savings account package combining ordinary deposits, time deposits, and overdraft facilities in a single passbook for individual and corporate customers.
• Investment Trusts (投資信託) Distribution of investment trust products including equity funds (Shinkin Index Fund 225, S&P500 Index Fund, Tawara No Low Load series), bond funds (Shinkin G7 Foreign Bond Index Fund), balanced funds (Shinkin 3-Asset Fund), REIT funds (Shinkin J-REIT Open), and global equity funds. NISA accounts available.
• Japanese Government Bonds (国債) Retail bonds with 3/5/10-year maturities (固定3/固定5/変動10) and medium/long-term coupon-bearing bonds (中期/長期利付国債) for institutional and retail investors.
• Housing Loans (住宅ローン) Housing loan products including Waga-ya Outai (fixed-rate selectable, up to 200 million JPY, up to 50 years, guaranteed by Shinkin Guarantee Fund, Zenkoku Hosho, or Credit Saison), variable-rate housing loans, unsecured housing loans (up to 20 million JPY, up to 25 years), and Reform Plan renovation loans (up to 10 million JPY).
• Consumer Loans (消費者ローン) Consumer lending suite including car life plan auto loans (2.4% fixed), education plan education loans (2.02% variable), general purpose loans (5.45%), quick approval loans (9.8%/14.25%), free loan Fuji (5.0-14.0%), Kyassuru 300 credit line (9.8-14.5%), and various online-only loan products.
• WEB完結ローン (Online Loans) Fully online loan products including Free Loan All Mighty WEB完結 (up to 5 million JPY), card-name loans WEB完結 (100,000-1 million JPY), Car Life Plan WEB完結, Kyassuru 300 WEB完結, and Shokumoku Free Loan WEB完結. Applications submitted entirely online with identity verification via app-based document upload.
• Fuji Shinkin Reverse Mortgage Loan "Smile Life" (ふじしんリバースモーゲージローン) Reverse mortgage loan product for borrowers aged 50-80. Uses home as collateral. Monthly payments are interest-only; principal repaid upon death via home sale. Loan amount 3-50 million JPY. Guaranteed by Financial Do (株式会社フィナンシャルドゥ).
• Corporate Lending (法人向け融資) Business lending suite including general financing, regulated financing, unsecured business loans, TKC support loans, business support loans, enterprise revitalization support loans (5 million JPY max), startup/new business support loans, disaster prevention funding, unsecured loans, apartment loans (up to 200 million JPY, 30-year term), Eco-Assist eco-friendly equipment loans, agriculture business funding, Fuji Brand support funding, and capital markets funding.
• Fuji Shinkin Sustainability Link Loan (ふじしんサステナビリティ・リンク・ローン) Sustainability-linked loan product for environmentally conscious businesses. Loan terms are linked to borrower's achievement of ESG/sustainability KPIs.
• Corporate Internet Banking WEB-FB Corporate internet banking platform for businesses enabling data transfer services (bulk transfers, salary/bonus disbursements, direct debits), account inquiries, electronic tax certificate acceptance, electronic certificate authentication, and one-time password security. Monthly base fee 2,200 JPY (tax included).
• Direct Banking (ダイレクトバンキング) Retail internet banking platform for individual customers featuring balance and transaction inquiries, fund transfers (same-day specified transfer up to 5 million JPY with one-time password), time deposit management, Pay-easy tax/utility payments, and API linkage with accounting software. One-time password via smartphone app required for transfers over 200,000 JPY/day.
• ANSER Service (ANSERサービス) Automated transaction notification and account inquiry service for corporate customers. Delivers voice (telephone) or fax notifications for incoming transfers, collections, and auto-debits, and allows account balance/transaction inquiries via computer or dedicated terminal. Available 08:45-19:00 on weekdays, 09:00-17:00 on weekends/holidays.
• Electronic Recordable Claims Service デンサイネット (でんさいネットサービス) Electronic commercial paper/records platform allowing businesses to issue and manage electronic claims digitally. Access via the bank's dedicated portal at shinkin-ib.jp.
• Human Resources Matching Support (有料職業紹介) Human resources matching service for corporate clients. Since obtaining a paid employment agency license in February 2024, the bank connects SMEs with full-time employees, part-time/gig workers, and professional advisors.
• Subsidy/Grant Consulting Service (補助金・助成金サポート) Subsidy application consulting service helping businesses apply for government grants including manufacturing/commercial/service productivity improvement subsidies (65.3% approval rate, 32 cases) and business restructuring subsidies (52.3% approval rate, 46 cases) as of March 2024. Provides end-to-end support from application drafting to post-approval reporting.
• Business Succession & M&A Support (事業承継・M&Aサポート) Business succession and M&A advisory services including succession planning consultations, advisor referrals, and financing support. Monthly free consultation sessions at headquarters. Partners with Japan M&A Center, Meinan M&A, MJS M&A Partners, and Japan M&A Solutions.
• IT Modernization & Energy Efficiency Support (IT化・省エネサポート) IT modernization and energy efficiency consulting for businesses including IT introduction subsidy and energy-saving subsidy support, system vendor introductions (Miroku Information Services, Ricoh Japan, Lancers), and energy/regional partnership program participation for preferential subsidy access.
• Shizuoka GX Support (しずおかGXサポート) Greenhouse gas (GHG) emissions calculation and carbon-neutral planning tool built on Microsoft Excel targeting SMEs in Shizuoka pursuing decarbonization. Features include multi-site data aggregation, automated emissions calculation, graphing for disclosure, and goal-setting. GHG Protocol compliant. Monthly subscription: 1,100 JPY/month for first ID, 2,200 JPY/month per additional ID (up to 5 IDs).
• Night Safe Deposit Service (夜間金庫) After-hours cash deposit service for corporate customers available at nine branches (本店, 吉原支店, 富士支行, 駅南支行, 厚原支行, 富士見台支行, 富士宮東支行, 八幡町支行, 須津支行).
• International Wire Transfer (外国送金) International wire transfer service for cross-border payments for individual and corporate customers.
• Pension Receipt Service (年金受取)

Quantifiable outcome

• 65.3% approval rate for manufacturing subsidies, 52.3% for business restructuring subsidies
• +1 more outcomes

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

AI capability3 records

Feature5 records

Partnerships

17 partnerships are on record, tiered core and minor.

• Shinkin Guarantee Fund ((一社)しんきん保証基金)coreStrategic or Co-development PartnerGuarantee partner for consumer loans and business loans. Provides credit guarantee services enabling the bank to offer unsecured loans to individual and business customers under the bank's lending criteria.
• Shinkin Guarantee (信金ギャランティ)coreStrategic or Co-development PartnerGuarantee company for specific loan products including the ふじしんきゃっする300 credit card loan, providing credit guarantee services.
• Credit Saison (株式会社クレディセゾン)coreStrategic or Co-development PartnerPartner for housing loan guarantees, offering mortgage products with credit guarantee coverage enabling the bank to provide extended loan terms up to 50 years and amounts up to 200 million yen.
• Financial Do (株式会社フィナンシャルドゥ)minorStrategic or Co-development PartnerGuarantee company for reverse mortgage product (スマイルライフ), providing property-secured lending for senior customers.
• Japan M&A Center (株式会社日本M&Aセンター)minorChannel Partner/ Reseller/ DistributorExternal M&A advisory partner providing matching services for business succession and acquisition transactions.
• Meinan M&A (名南M&A株式会社)minorChannel Partner/ Reseller/ DistributorRegional M&A advisory partner specializing in serving local enterprises in the Chubu region.
• MJS M&A Partners (株式会社MJS M&Aパートナーズ)minorChannel Partner/ Reseller/ DistributorM&A advisory partner connected to accounting system provider MJS.
• Japan M&A Solutions (ジャパンM&Aソリューション株式会社)minorChannel Partner/ Reseller/ DistributorM&A advisory partner providing business succession support services.
• F&M (株式会社エフアンドエム)minorImplementation/ SI/ Consulting PartnerSubsidy consulting partner specializing in government subsidy application support for business clients.
• Lightup (株式会社ライトアップ)minorImplementation/ SI/ Consulting PartnerSubsidy consulting partner offering support for government grant applications.
• Yamada & Partners Tax Accounting (税理士法人山田アンドパートナーズ)minorImplementation/ SI/ Consulting PartnerTax and accounting advisory partner providing professional consulting services for subsidy applications.
• TOMA Tax Accounting (TOMA税理士法人)minorImplementation/ SI/ Consulting PartnerTax accounting firm partner providing expert support for subsidy application processes.
• Cocopei (株式会社ココペリ経営サポート)minorImplementation/ SI/ Consulting PartnerManagement consulting partner offering business support services.
• Persol Holdings (パーソルホールディングス)minorChannel Partner/ Reseller/ DistributorHR services partner for talent placement and recruitment support services.
• JAC Recruitment (株式会社ジェイエイシーリクルートメント)minorChannel Partner/ Reseller/ DistributorExecutive and professional recruitment services partner.
• Mirai Works (株式会社みらいワークス)minorChannel Partner/ Reseller/ DistributorFreelance and contract workforce services partner.
• Heartful (株式会社サーキュレーション)minorChannel Partner/ Reseller/ DistributorPart-time job platform and HR services partner.

Scale indicators4 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Japan Post Bank (Yucho): Nationwide deposit-taking institution with the largest physical network in Japan, listed as one of Fuji Shinkin's ATM partners. Competes for retail deposits across the bank's service area but offers a much narrower lending product set.
• Mizuho Financial Group: One of Japan's mega-banks, providing nationwide commercial and retail banking that overlaps with Fuji Shinkin's full spectrum of services. Serves as the incumbent benchmark for product breadth, digital scale, and corporate-banking capabilities against which the bank's regional niche is measured.

Direct peers

• Mishima Shinkin Bank: Neighboring shinkin bank operating in eastern Shizuoka (Mishima/Atami area), directly competing with Fuji Shinkin for regional deposit and lending customers under the same cooperative banking framework.
• Numazu Shinkin Bank: Shinkin bank whose territory overlaps Fuji Shinkin's Numazu City service area. Directly comparable as a peer cooperative bank (信用金庫) under the same Shinkin Bank Act framework, competing for identical retail and SME customers.
• Suruga Bank: Shizuoka-based regional bank competing with Fuji Shinkin across retail deposits, mortgage lending, and consumer loans in eastern Shizuoka. Same regulatory environment (regional bank under FSA) and similar target segments (individuals and SMEs).
• Hamamatsu Iwata Shinkin Bank: Major Shizuoka Prefecture shinkin bank of comparable scale, providing a useful benchmark for cooperative-bank operations within the same regional ecosystem. Both compete for similar SME and retail customers under the Shinkin Bank Act.
• Shizuoka Shinkin Bank: Larger shinkin bank headquartered in Shizuoka City, overlapping with Fuji Shinkin's Shizuoka City branch footprint. Comparable cooperative institution serving the same regulatory and customer base.
• Shizuoka Financial Group (Shizuoka Bank): Largest commercial bank headquartered in Shizuoka Prefecture, directly competing with Fuji Shinkin for retail deposits, SME loans, and government bond/investment trust distribution across the same Fuji-Numazu-Shizuoka City corridor. Comparability is high given overlapping geographic footprint and customer segments, though at much larger scale.
• Shimizu Bank: Regional bank headquartered in Shizuoka Prefecture competing with Fuji Shinkin for SME and retail banking customers. Comparable in size and product mix (deposits, loans, investment products), serving adjacent sub-markets within the same prefecture.

Emerging players

• Seven Bank: ATM-focused bank partnered with Fuji Shinkin for ATM access. Represents the digital-native, branch-light end of the Japanese banking spectrum, illustrating the cost-structure Fuji Shinkin must defend against as customer behavior shifts online.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

Compliance12 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Fuji Shinkin Bank