JA Bank Shizuoka

What JA Bank Shizuoka does

JA Bank Shizuoka is the regional brand under which Shizuoka Prefecture's agricultural cooperative banking services are delivered, operated by the Shizuoka Credit Federation of Agricultural Cooperatives (Shizuoka Shinren, 静岡県信連), established in August 1948. The federation coordinates 10 member JA cooperatives and operates 279 bank branches and 537 ATMs across the prefecture, with deposit balances of ¥5.5894 trillion and loan balances of ¥1.3637 trillion as of March 2026. Norinchukin Bank functions as the national-level central institution backing the JA Bank system; the Shizuoka Shinren sits beneath it in the cooperative hierarchy.

The product portfolio spans composite demand-deposit accounts, time and installment savings, residential mortgages, auto/education/free-purpose/card loans, and specialized agricultural finance including Agricultural Modernization Funds, Super S Funds, and JA Agri-Mighty Funds with interest subsidies and guarantee fee refunds. Digital access is delivered through JA Net Bank (personal and corporate), the JA Bank App (inquiry), and JA Bank App Plus (full transaction banking, launched August 2024). Card products include IC cash cards and JA Card credit cards. Investment distribution covers government bonds and nine categories of investment trusts including NISA-eligible funds. Will trust agency services are offered in partnership with Nokanchu Trust Bank.

Revenue mechanics are anchored in interest-rate spreads on ¥1.3637T of loan assets, complemented by ATM transaction fees (¥110–¥220 per convenience-store withdrawal for non-cardholders), credit card merchant fees, and front-end loads on investment trust and government bond sales. The GTM motion is sales-led via face-to-face service at 279 physical branches and member-relationship officers, augmented by digital self-service through JA Net Bank. Customer segments are bifurcated: farmers and certified agricultural operators (vertical primary) and JA members plus general local residents (horizontal primary), with agricultural corporations as a tertiary segment served through Agri-Business Investment partnerships.

Name

JA Bank Shizuoka

Legal name

静岡県信用農業協同組合連合会

Website

https://jabank-shizuoka.gr.jp

Company type

Private

Founded year

1948

Operating status

Operating

Short description

JA Bank Shizuoka is the regional Shizuoka Prefecture brand of Japan's agricultural cooperative banking system, operating 279 branches and 537 ATMs to deliver deposits, mortgages, agricultural finance, and digital banking to farmers, JA cooperative members, and local residents.

Ownership category

akta.pro rank

Product category

Agricultural Cooperative Banking

NAICS

Credit Unions (522130), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Retail banking services
• Agricultural financing
• Cooperative banking
• Deposit products
• Consumer lending

Headquarters

HQ city

Shizuoka

HQ country

Japan

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 信用事業 (Banking/Credit Services): Core banking operations including deposit taking (普通貯金, 定期貯金, 定期積金, etc.) and lending (住宅ローン, マイカーローン, 教育ローン, 农林業融资). Revenue generated through interest rate spreads on loans. JA Bank Shizuoka manages 5兆5,894億円 in deposits and 1兆3,637億円 in loans (March 2026).
2. ATM利用手数料収益: Fee income from ATM transactions when customers of other financial institutions use JA Bank ATMs. JA Bank Shizuoka offers free ATM transactions for its own cardholders but charges fees to external cardholders.
3. カードサービス収益 (Card Services): Revenue from JA Card (credit card) transactions including merchant fees, and from debit card services. JA Card offers 5% discount at JA direct sales stores, providing customer acquisition and transaction volume.
4. 投資運用サービス (Investment & Asset Management Services): Revenue from国债 (government bonds) and 投資信託 (investment trust) sales, including NISA accounts. JA Bank Shizuoka distributes various mutual fund products across domestic and international equity, bonds, and REITs.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

JA Bank Shizuoka is a regional cooperative banking network operated by the Shizuoka Credit Federation of Agricultural Cooperatives and 10 member JA organizations, providing deposit accounts, lending products (mortgage, auto, education, agricultural), credit cards, investment products, and digital banking services. The network operates 279 branches and 537 ATMs across Shizuoka Prefecture with nationwide access to ~10,300 JA ATMs, and uniquely specializes in agricultural financing including subsidized loans, guarantee fee support, and government-backed agricultural modernization funds.

Product overview

JA Bank Shizuoka is a regional agricultural cooperative banking network operated by the Shizuoka Credit Federation of Agricultural Cooperatives (静岡県信連) and 10 member JA branches across Shizuoka Prefecture. The product portfolio is organized around a core composite account (総合口座) supplemented by a full suite of deposit (savings, time deposits, installment savings, property-formation savings), lending (mortgage, auto, education, free-use, card, and specialized agricultural loans), and convenience services (payroll/pension auto-receipt, autopay, debit card). Digital access is provided through JA Net Bank (personal and corporate online banking), the JA Bank App (inquiry-only), the JA Bank App Plus (full transaction mobile banking launched August 2024), and the JA Bank Answer telephone banking service. Card products include IC cache cards and JA Cards (standalone or integrated with credit). Investment products include government bonds and investment trusts (9 categories, including NISA-eligible funds). A will trust agency partnership with Nokchu Trust Bank extends the offering into estate planning. The JA Bank Favorable Program provides ATM fee discounts based on customer tier. Agricultural borrowers have access to specialized farm loans with financial support (interest subsidies and guarantee fee refunds). The network spans 279 branches and ~537 ATMs across Shizuoka, with nationwide JA Bank coverage of ~10,800 ATMs.

Differentiator

Problem solved

Functional benefit

Brands

• JA Bank App (ＪＡバンクアプリ): Smartphone application for checking account balances and transaction history, available for download on app stores.
• JA Bank App Plus (ＪＡバンクアプリ プラス)
• JA Net Bank (ＪＡネットバンク)
• JA Card (ＪＡカード)
• JA Bank Answer Service (ＪＡバンク アンサーサービス)
• JA Premium Card Loan (ＪＡプレミアムキャベツ)
• JAmp (ジャンプ)
• JA Home Loan (ＪＡ住宅ローン)

Products and services

• Composite/General Account (総合口座) A bundled personal deposit account combining ordinary savings, time deposits, and automatic loan facilities (overdraft) in a single account, with salary/pension auto-receipt, autopay for utilities, and card access for individual consumers.

Quantifiable outcome

• Deposit base of 5兆5,894億円 and loan portfolio of 1兆3,637億円 across Shizuoka Prefecture (March 2026)
• +4 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability6 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered minor, major and core.

• 静岡県健康と経営の会 / 産業医minorOthers · 8 April 2026Shizuoka Shinren collaborates with the Shizuoka Agricultural Workers Health Insurance Association and industrial physicians for health management (健康経営) initiatives, supporting employee well-being and workplace environment improvement.
• 静岡県 (Shizuoka Prefecture Government)majorStrategic or Co-development Partner · 30 March 2026JA Bank Shizuoka (Shizuoka Shinren) signed a partnership agreement with Shizuoka Prefecture for legacy gift (遺贈) support, enabling JA Bank Shizuoka to support residents in planning legacy gifts to benefit Shizuoka Prefecture's public initiatives.
• 農林中央金庫 (Norinchukin Bank)coreStrategic or Co-development PartnerNorinchukin Bank is the national-level central organization for JA, JF (fisheries), and forest cooperative financial systems. It serves as the national headquarters of the JA Bank group, providing nationwide coordinated financial services, risk management support, and capital backing through the JA Bank system. JA Shinren Shizuoka is a member of this national network.
• 農中信託銀行 (Nokanchu Trust Bank)majorStrategic or Co-development PartnerNokanchu Trust Bank provides trust and estate planning services. JA Shinren Shizuoka acts as a trust agency (遺言信托代理店) for Nokanchu Trust Bank at multiple JA branches across Shizuoka, offering will trust agency services to members.
• JA三井リース (JA Mitsui Lease Corporation)minorChannel Partner/ Reseller/ DistributorJA group leasing company providing equipment leasing services to JA members and agricultural operators. Listed in JA Shizuoka group links.
• 株式会社サカイ引越センター (Sakai Moving Center)minorGTM or Marketing PartnerMoving company partnership offering JA mortgage customers basic moving fee discounts (excluding March 15 to April 15 period) as part of JA Bank Shizuoka housing campaign promotions.
• ALSOK株式会社 (ALSOK Corporation)minorGTM or Marketing PartnerHome security company partnership offering JA mortgage customers partial cash back when signing home security contracts, as part of JA Bank Shizuoka's mortgage campaign for new home buyers.
• 株式会社エスパルス / S-PULSE (Shimizu Esparrso)minorGTM or Marketing PartnerShimizu Esparrso soccer club partnership under 'S-PULSE SDGs ACTION' initiative, supporting the 'SUSTAINABLE GARDEN PROJECT' promoting environmentally friendly gardening using artificial soil 'Soratan' at IAI Stadium Nippondaira.
• 株式会社TOWINGminorStrategic or Co-development PartnerTOWING produces 'Soratan' (宙炭), a high-functionality biochar artificial soil used in the SUSTAINABLE GARDEN PROJECT with Shimizu Esparrso, helping fix CO2 in soil while improving water retention for agricultural applications.
• 清水エスパルス / ジュビロ磐田 / K-MIXminorGTM or Marketing PartnerShimizu Esparrso, Jubilo Iwata (soccer), and K-MIX (regional radio) are listed as sponsors in the Shizuoka Shinren link collection, providing regional brand visibility and community engagement.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Shoko Chukin Bank: Shoko Chukin Bank is a Japanese cooperative financial institution serving SMEs and member cooperatives, with a similar cooperative structure and SME/agricultural-adjacent lending focus as JA Bank, though focused on commercial rather than agricultural cooperatives.
• Resona Holdings: Resona Holdings is a Japanese regional banking group operating Saitama Resona Bank, Kansai Mirai Bank, and other regional banks nationwide, competing with JA Bank for retail deposits and mortgages across overlapping regional markets.
• Mitsubishi UFJ Financial Group: MUFG is Japan's largest megabank, competing with JA Bank Shizuoka for nationwide deposits, mortgages, and corporate banking services, while also providing the trust/credit guarantee infrastructure supporting JA Bank's loan products.
• Norinchukin Bank: Norinchukin Bank is the national-level central cooperative bank for the JA (agricultural), JF (fisheries), and forest cooperative systems, and the explicit parent/counterparty of Shizuoka Shinren, providing wholesale funding, risk management, and capital backing to the nationwide JA Bank network.

Emerging players

• Rakuten Bank: Rakuten Bank is a leading Japanese digital bank competing with JA Bank Shizuoka for retail deposits, mobile banking, and card services, particularly among younger and digitally-native customers in Shizuoka's urban areas.
• SBI Sumishin Net Bank: SBI Sumishin Net Bank is a Japanese digital bank with strong housing loan and investment trust offerings, competing with JA Bank Shizuoka's mortgage products and investment distribution (NISA accounts) for retail customers.

Direct peers

• Suruga Bank: Suruga Bank is a regional bank headquartered in Numazu (eastern Shizuoka Prefecture), competing directly with JA Bank Shizuoka in retail deposits, housing loans, and SME lending within the same prefecture.
• JA Bank (Nationwide JA network): Other prefectural JA Bank networks (e.g., JA Bank Kanagawa, JA Bank Hiroshima) operate under the same JA Bank system with identical product offerings, regulatory framework, and shared infrastructure, making them the most direct functional peers within the cooperative banking sector.
• Shizuoka Bank: Shizuoka Bank is the leading regional commercial bank in Shizuoka Prefecture, offering full banking services competing directly with JA Bank Shizuoka for retail and corporate deposits, mortgages, and SME loans across the same geographic market.

Others

• JA Mitsui Leasing: JA Mitsui Leasing is a JA group leasing company providing equipment leasing to JA members and agricultural operators, and is a partner/channel for JA Bank Shizuoka's agricultural finance customers requiring vehicle and equipment financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/jabankshizuoka

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 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 JA Bank Shizuoka