The Yamanashi Chuo Bank

Name

The Yamanashi Chuo Bank

Legal name

株式会社山梨中央銀行

Website

https://yamanashibank.co.jp

Company type

Private

Founded year

1941

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

The Yamanashi Chuo Bank is a Tokyo Stock Exchange-listed regional commercial bank (TYO:8360) headquartered in Kofu, Japan, providing retail, SME, and corporate banking, lending, investment, and consulting services primarily across Yamanashi Prefecture, extended through the Mt. Fuji & Alps Alliance with Shizuoka and Hachijuni Banks.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI), Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Regional commercial banking
• Retail deposit services
• Corporate lending
• Investment advisory
• Syndicated loan services

Headquarters

HQ city

Kofu

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. Interest Income: Traditional banking revenue from interest spreads on loans (housing loans, personal loans, business loans) and deposits.
2. Fee-based Income: Transaction fees, service fees, investment product sales, insurance commissions, and foreign exchange services.
3. Investment Banking Services: M&A advisory, IPO support, venture capital support, business succession consulting.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

The Yamanashi Chuo Bank is a regional commercial bank headquartered in Kofu, Yamanashi Prefecture, providing retail deposits, housing and personal loans, NISA/investment trusts, insurance and pension planning for individuals, alongside business loans, syndicated lending, foreign exchange, M&A/IPO advisory, ICT consulting and electronic transaction services for SMEs and corporates. Its offering spans an in-person branch network, internet and mobile banking platforms, the white-labeled MiRuCO₂ decarbonization platform for SMEs, and an alliance-based syndicated loan distribution channel through the Mt. Fuji & Alps Alliance with Shizuoka Bank and Hachijuni Bank.

Product overview

The Yamanashi Chuo Bank operates as a regional financial institution offering a comprehensive suite of banking products and services for both individual and corporate customers. The core product portfolio centers on its digital banking platforms (山梨中銀アプリ, Wallet＋, 山梨中銀Bizダイレクト) which provide mobile and internet banking functionality. For personal banking, the bank offers deposit products including the app-exclusive time deposit 'ぷりてい', NISA investment accounts, and various loan products including housing loans and the regional migration support loan. For corporate banking, key products include the 山梨中銀Bizダイレクト platform with integrated services (山梨中銀外為Web for foreign exchange, 山梨中銀でんさいサービス for commercial papers, and electronic transaction services), specialized loans (創業支援ローン ファインスタート, TKC連携ローン 甲斐の三銃士, SDGs応援ローン, 農業応援ローン 甲斐の実り), and business consulting services including M&A advisory. The bank has also recently launched 'やまなしGX Assist MiRuCO₂' for greenhouse gas emission tracking. Additional services include loyalty programs (山梨ちゅうぎんトクトク俱楽部), community engagement platforms (ふじのーと web media), and matchmaking services. The bank participates in the Fuji-Alps Alliance with Shizuoka Bank and Hachijuni Bank for syndicated lending.

Differentiator

Problem solved

Functional benefit

Products and services

• Yamanashi Chuo Bank App (山梨中銀アプリ) Mobile banking application enabling online account opening, transactions, transfers, and procedures for retail customers.
• Wallet+ (Wallet Plus, ウォレットプラス) Smartphone wallet application offering purpose-based savings, friend/family referral bonuses, and integrated banking services for retail customers.
• Digital Passbook with CRECO (山梨中銀アプリ通帳 with CRECO) Digital passbook application integrated with the CRECO loyalty point system, allowing users to view transaction history and earn loyalty points.
• My Debit Yamanashi Chuo Visa Debit (My Debit 山梨中銀Visaデビット) Visa debit card linked directly to the user's bank account for immediate transaction processing.
• JiMOCA Credit Card (ジモカ) Credit card integrated with cash card functionality, branded as a local Yamanashi-area revitalization card accepted at local merchants.
• Yamanashi Chuo Biz Direct (山梨中銀Bizダイレクト) Corporate internet banking platform providing account management, transfers, foreign exchange, electronic transaction services, and cash management solutions for business customers.
• Yamanashi Chuo Gaitame Web (山梨中銀外為Web) Online foreign exchange service for international business transactions, foreign currency deposits, and trade finance.
• Yamanashi Chuo Densai Service (山梨中銀でんさいサービス) Electronic commercial paper service for corporate clients to manage and trade commercial papers digitally.
• Yamanashi Chuo Electronic Contract Service (山梨中銀電子契約サービス) Electronic contract service enabling digital contract execution and management for corporate clients.
• QR Code Slip Creation Service (QRコード付伝票作成サービス) QR code slip creation service for efficient payment processing and reconciliation for corporate customers.
• Housing Loan (住宅ローン) Mortgage loan product for retail customers purchasing residential property.
• Migration Support Loan (移住応援ローン, Fuji/Alps Alliance) Loan product supporting individuals relocating to the Yamanashi region under the Mt. Fuji & Alps Alliance initiative.
• SDGs Support Loan (SDGs応援ローン) Sustainability-linked loan product supporting SDGs-aligned business activities and initiatives for corporate clients.
• SDGs Private Placement Bond (SDGs私募債) Private placement bond product with an optional donation component supporting SDGs initiatives for corporate issuers.
• Quick Loan "Special Account" (クイックローン『特別口』) Quick overdraft loan product for immediate working-capital financing needs of corporate clients.
• Startup Support Loan "Fine Start" (創業支援ローン『ファインスタート』) Startup support loan product designed for new business formation and initial operations.
• TKC Integrated Loan "Kai no Sanjūshi" (TKC連携ローン『甲斐の三銃士』) SME loan product integrated with the TKC accounting system for seamless financial management of small and medium enterprises.
• Agricultural Support Loan "Kai no Minor" (農業応援ローン『甲斐の実り』) Agricultural support loan product for farming business development and agricultural operations in Yamanashi Prefecture.
• Equity Loan (資本性ローン) Equity-type loan product providing capital strengthening for business growth, treated as capital for credit-rating purposes.
• Regional Vitality Enhancement Fund (地域活力強化ファンド) Regional vitality enhancement fund providing investment and financing support for local economic development in Yamanashi.
• Syndicate Loan (シンジケートローン) Syndicated loan service for large-scale corporate financing, including wide-area collaborative loans arranged with alliance partners.
• Yamanashi GX Assist MiRuCO₂ (やまなしGX Assist MiRuCO₂) White-labeled greenhouse-gas emission calculation and visualization platform based on Zeroboard technology, supporting SME decarbonization management and supply-chain emissions disclosure.
• M&A Support (M&A支援) M&A advisory and support services for business succession and consolidation, registered under the national M&A support registration system.
• IPO Support (株式公開支援) IPO advisory and support services for corporate clients preparing to list on public markets.
• Business Succession Support (事業承継支援) Business succession advisory and consulting services for SME owners and families transferring ownership.
• Venture Support (ベンチャー支援) Venture support and financing services for startup and growth-stage companies, including debt financing for products such as ArtSticker.
• ICT Consulting (ICTコンサルティング) IT and DX consulting services helping corporate clients with digital transformation and technology adoption.
• Will Trust (遺言信託) Trust service enabling retail customers to execute wills and manage inheritance planning through the bank.
• Annual Gift Trust (山梨ちゅうぎん暦年贈与型信託) Annual gift-type trust product supporting tax-efficient intergenerational asset transfer for retail customers.
• Inheritance Administration Service (遺産整理業務) Inheritance administration service for heirs managing estate settlement after a decedent's passing.
• iDeCo Individual Defined Contribution Pension (個人型確定拠出年金 iDeCo) Individual-type defined-contribution pension plan (iDeCo) for retail customers' retirement preparation.
• Insurance Products (保険) Life and general insurance products distributed through the bank's branches and consultation channels.
• Matchmaking Service (結婚相談所) Matchmaking service provided as part of regional community support initiatives to address demographic challenges in Yamanashi Prefecture.
• Medical and Nursing Care Support (医療・介護サポート) Specialized consulting and support services for medical and nursing-care businesses, including financing and management advisory.
• App-Exclusive Time Deposit "Puritei" (アプリ限定定期預金「ぷりてぃ」) App-exclusive time deposit product with bonus interest rates based on Tokutoku Club membership tier, distributed through the bank's mobile app.

Quantifiable outcome

• Launch of decarbonization support service (Yamanashi GX Assist MiRuCO₂) for local SMEs starting April 2026

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

AI capability3 records

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• Zeroboard Inc.coreOEM/ Whitelabel/ Licensing Partner · 24 March 2026Partnership to provide Zeroboard's greenhouse gas emission calculation and visualization platform as white-labeled 'Yamanashi GX Assist MiRuCO₂' service starting April 1, 2026. Targets local SMEs for decarbonization management support.
• Xpotential Inc.coreTechnology or Integration · 9 March 2026Collaboration on digital transformation in regional banking sales. Presented at DBX2026 Digital Banking Exhibition on next-generation inside sales project using AI to assetize and depersonalize employee skills.
• Shizuoka Bank Co., Ltd.coreStrategic or Co-development Partner · 1 January 2025Strategic partnership through the 'Mt. Fuji & Alps Alliance' established via comprehensive business partnership in 2025. Participated together with Hachijuni Bank in syndicated loan arrangement for Astena Holdings, with Shizuoka Bank serving as arranger.
• Hachijuni BankcoreStrategic or Co-development Partner · 1 January 2025Part of the 'Mt. Fuji & Alps Alliance' with Shizuoka Bank and Yamanashi Chuo Bank. Collaborative network for regional financial services and syndicated financing.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Resona Holdings: Major banking group including Resona Bank, a frequent co-lender with Yamanashi Chuo Bank. Operates broader retail/SME banking franchise with deeper capital markets reach.
• Concordia Financial Group: Holding company of Yokohama Bank and Higashi-Nippon Bank. Mid-to-large regional banking group with comparable SME and retail banking product breadth across multiple prefectures.
• Chiba Bank: Larger regional bank serving a metropolitan-area prefecture; offers a benchmark for how regional banks scale SME and digital banking offerings beyond their home market.
• Mitsubishi UFJ Financial Group (MUFG): Largest Japanese megabank; anchor investor in the K2 Pictures film fund alongside Yamanashi Chuo Bank. Represents the dominant competitor and large-deal counterparty the regional bank must work alongside.
• Fukuoka Financial Group: One of Japan's largest regional banking groups, with strong SME, retail, and securities operations. Useful comparable for digital transformation and consolidated regional-bank strategy.

Emerging players

• SBI Sumishin Net Bank: Digital-native bank increasingly targeting SME and retail customers. Represents the neobank competitive threat Yamanashi Chuo Bank must defend against through digital and alliance-led offerings.

Direct peers

• Hachijuni Bank: Third member of the Mt. Fuji & Alps Alliance; Nagano-based regional commercial bank with similar SME-focused, multi-product platform and comparable customer segments.
• Hokuriku Bank: Recent syndicate co-lender on The Chain Museum financing. Regional commercial bank with parallel product lineup (housing, SME, investment banking) serving Hokuriku region.
• Shizuoka Bank: Co-member of the Mt. Fuji & Alps Alliance and lead arranger on shared syndicated loans. Comparable regional commercial bank model serving a neighboring prefecture with similar SME/retail mix.
• Kyoto Financial Group (Bank of Kyoto): Prefectural commercial bank with similar SME/retail focus and growing investment banking capabilities. Comparable in scale and listed status.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xtiktok.com/@toaru.chihounoginkoin
• YouTubeyoutube.com/@yamanashibank_youtube
• Instagraminstagram.com/from_mt_fuji_to_s2
• TikToktiktok.com/@toaru.chihounoginkoin

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

Investments18 records

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

Frequently asked questions about The Yamanashi Chuo Bank