Shizuoka Yaizu Shinkin Bank

Name

Shizuoka Yaizu Shinkin Bank

Legal name

しずおか焼津信用金庫 (Shizuoka Yaizu Shinkin Bank)

Website

https://shizuokayaizu-shinkin.co.jp

Company type

Private

Founded year

1931

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Shizuoka

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

Revenue model

1. Deposit taking and lending: Core banking operations including accepting deposits (ordinary savings, time deposits) and providing loans (automobile loans, education loans, housing loans, business loans) to individuals and enterprises in the Shizuoka region.

Distribution channels2 records

Marketing channels3 records

Core offering

Shizuoka Yaizu Shinkin Bank is a cooperative financial institution (shinkin bank) serving Shizuoka Prefecture, Japan. It accepts deposits (ordinary savings, time deposits, foreign currency deposits) and provides loans (automobile, education, housing, card, free, and business loans) to individuals and SMEs. The bank also distributes investment trusts, national bonds, insurance products, trust/estate planning services, and defined contribution pensions through physical branches and digital channels (internet and mobile banking).

Product overview

Shizuoka Yaizu Shinkin Bank operates as a regional credit union (shinkin bank) serving Shizuoka Prefecture, offering a unified banking platform with multiple service channels including internet banking, mobile app, and physical branches. The core product portfolio centers on deposit products (ordinary savings, time deposits, foreign currency deposits), lending products (automobile, housing, education, and card loans), investment and wealth management services (investment trusts, national bonds, robo-advisor), insurance products, and corporate banking services. The bank provides digital banking through Personal Internet Banking, Corporate Internet Banking, and Shizunet Internet Branch, supplemented by Mobile App Banking. Additional services include trust services for estate planning, defined contribution pensions, loan simulation tools, safe deposit boxes, and international remittance. The bank also partners with Stayway for subsidy cloud services supporting SME growth investments.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Internet Banking Online banking platform for individual customers enabling account access, transfers, and transaction management via web browser.
• Corporate Internet Banking Web-based banking platform for business customers enabling corporate account management, transfers, and enterprise financial operations.
• Shizunet Internet Branch (しずしんインターネット支店) Internet-only branch offering simplified account opening and banking services exclusively online.
• Mobile App Banking (アプリバンキング) Smartphone banking application providing mobile access to account services, transfers, and banking transactions.
• Foreign Currency Deposit (外貨預金) Foreign currency savings products allowing customers to hold deposits in multiple foreign currencies including USD, EUR, and other major currencies.
• Investment Trust (投資信託) Investment trust products and services including mutual fund sales and investment trust internet services for wealth management.
• National Bonds (国債) Japanese government bond investment products for individual investors seeking fixed-income securities.
• Automobile Loan (自動車ローン) Vehicle financing loan product for purchasing new or used automobiles.
• Education Loan (教育ローン) Student loan product for financing educational expenses including tuition and school-related costs.
• Housing Loan (住宅ローン) Mortgage loan product for purchasing or building residential properties.
• Card Loan (カードローン) Revolving credit line accessible via card for flexible personal borrowing needs.
• Free Loan (フリーローン) Unsecured personal loan with no specified usage requirement.
• Insurance Products (保険商品) Life and non-life insurance products offered through the bank including coverage for health, life, and property protection.
• Trust Services (信託) Trust products and services including inheritance and estate planning trusts.
• Defined Contribution Pension (確定拠出年金) Individual DC pension plan management and investment services for retirement preparation.
• Foreign Remittance (外国送金) International wire transfer service for sending and receiving funds across borders.
• MoneyPlan Robo-Advisor (ロボアドバイザー) Robo-advisor service providing automated investment recommendations and portfolio management through a financial planning platform.
• Corporate Consulting Plaza (相談プラザ) Business consultation hub offering advisory services for corporate customers including startup support, M&A advisory, and management consulting.
• Safe Deposit Box (貸金庫) Secure storage service for valuables and important documents at bank branches.
• Subsidy Cloud Service (Stayway partnership) Subsidy database service providing access to over 9,000 types of national and regional subsidy information for supporting SME growth investments.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Five partnerships are on record, tiered core.

• Stayway Co., Ltd. (Stayway株式会社)coreTechnology or Integration · 18 March 2026Stayway provides its 'Subsidy Cloud' service to Shizuoka Yaizu Shinkin Bank, granting the bank access to a database covering over 9,000 types of national and regional subsidy information. The service streamlines the process from information gathering to application support for SMEs seeking growth investments through subsidy utilization.
• Shinkin Central Bank (信金中央金庫)coreChannel Partner/ Reseller/ DistributorShinkin Central Bank is the central organization for shinkin banks in Japan. Shizuoka Yaizu Shinkin Bank acts as a shinkin bank agent (信用金庫代理業) for Shinkin Central Bank, providing trust contract agency services (登録番号：東海財務局長（代信）第49号).
• Shoko Chukin Bank (商工組合中央金庫)coreChannel Partner/ Reseller/ DistributorShizuoka Yaizu Shinkin Bank provides agency services for Shoko Chukin Bank products as part of its financial services offering.
• Japan Finance Corporation (株式会社日本政策金融公庫)coreChannel Partner/ Reseller/ DistributorShizuoka Yaizu Shinkin Bank provides agency services for Japan Finance Corporation products, supporting SME financing needs.
• Japan Bank for International Settlements / Housing Finance Agency / SME AgencycoreChannel Partner/ Reseller/ DistributorShizuoka Yaizu Shinkin Bank acts as agent for 独立行政法人福祉医療機構 (Welfare Medical Service Agency), 独立行政法人住宅金融支援機構 (Housing Finance Agency), and 独立行政法人中小企業基盤整備機構 (SME Agency), providing comprehensive financial services to the regional community.

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Suruga Bank (スルガ銀行): Listed regional bank headquartered in Numazu, Shizuoka Prefecture, with retail and SME banking overlap. A broader incumbent offering a wider range of products including unsecured consumer lending, though operating under a corporate (rather than mutual) structure.
• Shizuoka Bank (しずおか銀行): The dominant listed regional commercial bank in Shizuoka Prefecture, with a much broader product set including investment banking, syndicated loans, and international operations. Overlaps directly on retail and SME banking but operates at significantly larger scale and as a listed entity rather than a cooperative.

Others

• Shoko Chukin Bank (商工組合中央金庫): Policy-oriented cooperative financial institution focused on SME finance, for which Shizuoka Yaizu provides agency services. Relevant as a systemic shinkin/SME-finance counterpart with overlapping SME lending mandate.
• Shinkin Central Bank (信金中央金庫): Central cooperative institution for Japan's shinkin banks, of which Shizuoka Yaizu is a member and for which it acts as an agency. Comparable as a shinkin-system participant and direct counterparty in correspondent banking, trust agency, and interbank funding operations.

Direct peers

• Hamamatsu Shinkin Bank (浜松信用金庫): Another mid-sized Shizuoka-prefecture shinkin bank offering a nearly identical product mix (deposits, consumer and SME loans, investment products, internet banking) to retail and SME customers. Closely comparable on mutual cooperative structure, regional footprint, and shinkin-bank service model.
• Shimada Shinkin Bank (島田信用金庫): Shinkin bank based in the Shida area of Shizuoka Prefecture, offering traditional cooperative banking services including deposits, loans, and internet banking. Highly comparable regional cooperative model with overlapping SME customer base.
• Mishima Shinkin Bank (三島信用金庫): Shinkin bank serving the eastern Shizuoka region with comparable personal and corporate banking offerings. Same mutual cooperative structure and member of the Shinkin Central Bank network, making product portfolio and governance directly comparable.
• Numazu Shinkin Bank (沼津信用金庫): Shinkin bank headquartered in eastern Shizuoka Prefecture offering deposit, lending, and wealth-management services to individuals and SMEs. Direct geographic and functional overlap with Shizuoka Yaizu, including shared Shinkin Central Bank membership and mutual cooperative status.

Emerging players

• Seven Bank (セブン銀行): ATM-centric retail bank leveraging the 7-Eleven convenience-store network. Provides adjacent retail-banking competition in deposit access, cash handling, and remittance, and represents an alternative digital-first model relevant to the bank's channel strategy.
• Rakuten Bank (楽天銀行): Japan's leading digital-only bank offering retail deposits, lending, and payments entirely online. Competes for the same retail and SME deposit base as Shizuoka Yaizu, particularly younger and internet-native customers, representing a digital competitive threat rather than a cooperative peer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/live/nk0ud2RGf1U?si=QKjP2WfhMMuLFdXB
• Instagraminstagram.com/shizuokayaizu_shinkin_bank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Shizuoka Yaizu Shinkin Bank