Dai-ichi Kangyo Credit Cooperative

What Dai-ichi Kangyo Credit Cooperative does

Dai-ichi Kangyo Credit Cooperative (第一勧業信用組合) is a Japanese regional cooperative financial institution (\u4fe1\u7528\u7d44\u5408) headquartered in Shinjuku, Tokyo, operating 27 locations across Tokyo's 23 wards and parts of Chiba Prefecture (Ichikawa City and Urayasu City). The organization traces its origins to 1921 as an employee cooperative of Nippon Kangyo Bank, was reorganized as a regional credit union in 1965, took its current name in 1971 following a parent-bank merger, and has expanded its footprint through successive acquisitions of Teishin Credit Cooperative (1998) and Tomin Credit Union North Branch (2002). It serves a member base of 45,117 individuals and SMEs with deposits totaling ¥3,611 billion and loans outstanding of ¥2,942 billion.

The cooperative delivers a full-service community banking product set across deposit accounts, consumer and commercial loans, settlement services, insurance intermediation, and business consultation. Its technology platform comprises Internet Banking and Mobile Banking for individuals, a Web Station portal for corporate customers and individual business owners, and Pay-easy electronic payment intermediation through E-Context. Community engagement is reinforced through sub-brands and programs including Fureai Club, Kanshin Business Club, Kanshin Cultural Association, Kanshin TV, and Internet Radio. The 354-employee organization (excluding part-time and dispatch workers) runs on a relationship-banking model with physical branches supported by digital self-service channels.

Dai-ichi Kangyo Credit Cooperative generates revenue primarily through net interest spreads on its deposit and loan book, supplemented by transaction fees, account service fees, ATM fees, remittance fees, and insurance intermediation commissions. As a cooperative, it is owned by its members rather than external shareholders, operates under the Japanese credit union regulatory framework, and prioritizes member interests and community contribution over profit maximization. Distribution is overwhelmingly domestic and physical-channel-led, with no stated international expansion, no external fundraising history, and a stable, mature operating profile.

Name

Dai-ichi Kangyo Credit Cooperative

Legal name

第一勧業信用組合 (Dai-ichi Kangyo Credit Cooperative)

Website

https://daiichikanshin.com

Company type

Private

Founded year

1921

Operating status

Operating

Headcount range

1–10 employees

Short description

Dai-ichi Kangyo Credit Cooperative is a Japanese member-owned cooperative financial institution headquartered in Shinjuku, Tokyo, operating 27 branches serving 45,117 SME and individual members across Tokyo and parts of Chiba with deposits, loans, settlement, and insurance intermediation services.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro industry

PRIMARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAEAL

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

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Community credit union
• Retail banking services
• Small business lending
• Cooperative financial services
• Deposit and savings

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices27 records

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: As a credit union, the organization collects deposits from members and extends loans to SMEs and individuals. Interest rate spreads between lending and deposit rates form the core revenue stream.
2. Fee and commission income: Transaction fees, account service fees, ATM usage fees, remittance fees, and other financial service commissions.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Dai-ichi Kangyo Credit Cooperative is a regional credit union providing banking and financial services to SMEs and individual residents across Tokyo and parts of Chiba. Core offerings include deposit and savings products, consumer and business lending, settlement and payment services, insurance products, and business consultation/advisory services distributed through a 27-branch physical network alongside Internet Banking and Web Station digital channels.

Product overview

Dai-ichi Kangyo Credit Cooperative operates as a regional credit union (信用組合) providing banking and financial services through a combination of physical branch network (27 locations: 22 branches, 4 sub-branches, 1 corporate office) and digital channels. Its core offerings include Internet Banking for individuals and Web Station for corporate customers, supported by a full range of deposit/ savings products, loan products, settlement services, and insurance products. The cooperative also maintains community engagement programs (Fureai Club, Kanshin Business Club) and multimedia channels (Kanshin TV, Internet Radio). Electronic payment integration is provided through third-party intermediaries for Pay-easy services.

Differentiator

Problem solved

Functional benefit

Named customers2 records

Segments2 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

Feature4 records

Partnerships

Five partnerships are on record, tiered moderate, minor and core.

• Tokyo Credit Union Group (都内信用組合と合同)moderateStrategic or Co-development Partner · 1 January 2021In 2021, the organization participated in a joint 'SDGs宣言' (Sustainable Development Goals Declaration) together with other Tokyo-based credit unions, committing to sustainable development goals including regional economic development, financial inclusion, environmental protection, and diversity & inclusion.
• Koshin Service Co., Ltd. (恒信サービス株式会社)minorOthersA related company (関係会社) referenced in the organization's conflict of interest management policy (利益相反管理). Listed as a company within the scope of the credit union's conflict of interest management framework.
• All Japan Bankers Association / National Banks Personal Credit Information Center (全国銀行協会 / 全国銀行個人信用情報センター)coreOthersMember of the National Banks Personal Credit Information Center operated by the Japan Bankers Association (Zenginkyo). Shares and accesses credit information for lending decisions and fraud prevention.
• Japan Credit Information Center (株式会社日本信用情報機構, JICC)coreOthersCredit information agency providing personal credit data to support lending decisions and risk management.
• Credit Information Center Co., Ltd. (株式会社シー・アイ・シー, CIC)coreOthersCredit information agency (primarily serving installment credit and consumer finance companies) providing credit information for lending decisions.

Scale indicators7 records

Recent moves9 records

Expansion highlights5 records

Others

• Desjardins Group: North America's largest cooperative financial group. Comparable as a large-scale member-owned cooperative with retail banking, SME lending, and community services similar to Dai-ichi's cooperative offering.
• Vancity: Canada's largest community credit union, serving members in British Columbia with deposit, lending, and community services. Comparable as an international member-owned cooperative credit union model with similar community-banking positioning.

Broad incumbents

• Shinkin Central Bank (Shinkumi Federation): National apex cooperative for Japan's shinkumi (credit cooperative) system. Comparable as the regulatory and operational umbrella for cooperative banking institutions including Dai-ichi, providing shared services, credit information infrastructure, and policy coordination.
• Mitsubishi UFJ Financial Group (MUFG): Japan's largest banking group and dominant incumbent in the Tokyo market. Comparable as the principal competitive incumbent in deposit-taking and SME lending in Dai-ichi's core service area, though at vastly larger scale.
• Shoko Chukin Bank: Japan's policy-driven financial institution dedicated to SMEs. Comparable as an SME-focused lender serving small businesses in similar Japanese market segments, though at significantly larger scale and with different cooperative structure.
• Concordia Financial Group (横浜銀行): Major regional banking group centered on Yokohama Bank with operations across Kanto. Comparable as a Kanto-region deposit-taking and SME-serving institution, though at materially larger scale than Dai-ichi's cooperative model.

Emerging players

• SBI Sumishin Net Bank: Japan's leading digital-only bank affiliated with Sumitomo Mitsui Trust. Comparable as a competitor targeting similar retail and SME deposit/loan customers in Tokyo via digital channels, representing the structural threat to physical-branch cooperative banks.
• Rakuten Bank: Japan's largest online bank with a nationwide retail and SME deposit franchise. Comparable as a digital-first competitor pursuing the same retail/SME deposit and lending customers in the Tokyo metropolitan area.

Regional players

• Chiba Kogyo Bank: Regional commercial bank headquartered in Chiba Prefecture. Comparable as a regional deposit-taking and SME-lending institution with overlapping footprint in the Chiba portion of Dai-ichi's service area.

Direct peers

• Tokyo Credit Union Federation (東京都信用組合協会): Regional federation of Tokyo credit cooperatives; Dai-ichi is a member of the Tokyo Credit Union Group. Direct peer organization representing the same community of Tokyo-based credit cooperatives that compete and collaborate regionally.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/playlist?list=PLplLQ6eKWOj1f3s9pZ5dXY0dBZWveN6dN
• Facebookfacebook.com/daiichikanshin

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

Investments16 records

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

Frequently asked questions about Dai-ichi Kangyo Credit Cooperative