The Keiyo Bank
The Keiyo Bank is a Japanese regional commercial bank headquartered in Chiba Prefecture, serving individuals and SMEs through 70+ branches, digital banking platforms, and a full suite of lending, deposit, and investment products.
- Company typePrivate
- Founded1943
- HeadquartersChiba, Japan
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What The Keiyo Bank does
The Keiyo Bank (株式会社京葉銀行) is a regional commercial bank headquartered in Chiba Prefecture, Japan, founded in 1943 and listed on the Tokyo Stock Exchange (tyo:8544). It serves individuals and businesses primarily in Chiba Prefecture with secondary presence in Tokyo, operating 70+ branches and consulting plazas that offer evening and weekend services. The bank's product portfolio spans the full retail and SME banking spectrum: deposits (including lottery-attached time deposits and the Alpha Green Time Deposit), lending products (housing loans with up to 50-year terms, auto, education, reform, and reverse mortgage loans), investment products (funds, NISA, fund wrap, robo-advisory via FUND Navi), insurance, foreign exchange and international remittance in 16 currencies, credit cards (Keiyo VISA), and safe deposit boxes with biometric and PIN access.
The bank's technology stack centers on a digital banking infrastructure that includes the Keiyo Bank App (smartphone-native with biometric authentication), the Alpha Business Direct corporate banking platform with API connectivity for enterprise system integration, and risk-based authentication ('Doko demo Sign-in') for internet banking. Payment integrations span Bank Pay, Pay-easy, J-Debit, LINE, au PAY, and Web Account Transfer connecting to 70+ collecting institutions. The bank also operates or partners with Seven Bank ATMs for 24/7 service at convenience stores.
Revenue is generated primarily through traditional banking channels: interest income from the loan portfolio (housing, auto, education, business), fee-based income from transactions, FX, and investment product sales, and commissions from investment trust and insurance distribution. The bank has pursued ESG differentiation through SDG-themed private placement bonds (donation-type, sports-type, carbon offset-type), the Alpha Green Time Deposit, and a carbon offset partnership with C.R.E. and the Chiba Prefecture Forest Association. Customer segments split between individual retail (housing, asset management, retirement planning) and SMEs (financing, succession, business matching), with a secondary focus on larger corporate banking. The pricing model is subscription/recurring for loan products and transaction-fee for service-based revenue.
The Keiyo Bank firmographics
Firmographics- Name
- The Keiyo Bank
- Legal name
- 株式会社京葉銀行
- Website
- https://keiyobank.co.jp
- Company type
- Private
- Founded year
- 1943
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- The Keiyo Bank is a Japanese regional commercial bank headquartered in Chiba Prefecture, serving individuals and SMEs through 70+ branches, digital banking platforms, and a full suite of lending, deposit, and investment products.
- Ownership category
- akta.pro rank
The Keiyo Bank industry classification
Industry- Product category
- Regional Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Commercial Banking (52211)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022), Functions Related To Depository Banking, Nec (6099), Finance Services (6199)
- akta.pro primary industry
- Consumer & Retail (CPG, Food, Apparel) (FSABACAM)
- akta.pro secondary industry
- Real Estate (Commercial Property, REITs) (FSABACAH)
Keywords
Where The Keiyo Bank is headquartered
LocationHeadquarters
- HQ city
- Chiba
- HQ country
- Japan
- HQ region
- Asia
Offices3 records
Markets served
The Keiyo Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from interest earned on loans including housing loans, car loans, education loans, business loans, and other lending products. The bank offers various loan products to individuals and corporations.
- Fee-based Income: Transaction fees from account services, wire transfers, foreign exchange services, investment products (funds, insurance), and internet banking services.
- Investment Product Sales: Revenue from sales of investment trusts, NISA accounts, fund wrap services, insurance products, and foreign currency deposits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Home loans with tiered interest rates based on loan term and borrower profile |
| One time/ perpetual license | Annual | Time deposits with varying interest rates based on deposit term and amount |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels7 records
The Keiyo Bank product offering
Product offeringCore offering
The Keiyo Bank is a regional commercial bank providing deposit accounts, lending products (housing, auto, education, business, and reform loans), investment services (mutual funds, NISA, fund wrap, insurance, robo-advisory via FUND Navi), credit cards (Keiyo VISA), and foreign exchange services. Corporate offerings include business financing, syndicated loans, business matching, succession planning, and corporate internet banking (Alpha Business Direct) with API connectivity. The bank distributes these services through 70+ branches, consulting plazas, ATMs, internet banking, and the Keiyo Bank mobile app across Chiba prefecture and Tokyo.
Product overview
The Keiyo Bank operates as a regional financial institution serving Chiba Prefecture and Tokyo through a comprehensive banking platform consisting of physical branches, digital channels, and specialized financial products. The core offering includes the 京葉銀行アプリ mobile app for smartphone banking, インターネットバンキング internet banking platform, and アルファビジネスダイレクト corporate banking system. The bank's product portfolio encompasses lending products (housing, auto, education, reform loans), deposit products (time deposits including the SDGs-focused アルファグリーン定期預金), investment services (mutual funds, NISA, robo-advisory via FUND Navi), credit cards (京葉銀VISA card), and corporate financing solutions (SDGs私募債 private placement bonds, sustainable finance products). The bank differentiates through ESG-focused products including carbon offset private bonds, sports SDG bonds, and environmental deposits, while offering digital-first services like the robot advisor and comprehensive mobile banking app with spending analytics.
Differentiator
Problem solved
Functional benefit
Products and services
- Keiyo Bank App (京葉銀行アプリ)
- Internet Banking (アルファダイレクトバンキング)
- FUND Navi Robot Advisor
- Housing Loan (住宅ローン)
- My Car Loan (マイカーローン)
- Education Loan (教育ローン)
- Will/Trust Services (遺言・生前信託)
- Keiyo VISA Card / First Plus Card (京葉銀VISAカード/京葉銀ファーストプラスカード)
- Keiyo Bank SDG Private Placement Bonds (京葉銀行SDGs私募債)
- Alpha Green Time Deposit (アルファグリーン定期預金)
- Alpha Business Direct (アルファビジネスダイレクト)
- Alpha Bank Business Club (αBANKビジネスクラブ)
- Safe Deposit Box Service (貸金庫サービス)
- Foreign Remittance Service (外国送金サービス)
Companies that use The Keiyo Bank
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
The Keiyo Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature3 records
The Keiyo Bank partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- C.R.E.coreCarbon offset private bond issuance partnership. C.R.E. issued a 500 million JPY carbon offset private bond with Keiyo Bank, where 0.2% of the issuance amount is allocated toward environmental conservation efforts in Chiba Prefecture.
- Chiba UniversitycoreOngoing industry-academia collaboration (Eco Project) since fiscal year 2017 to contribute to UN Sustainable Development Goals. The project engages students in various environmental contribution initiatives including SDG awareness workshops at elementary schools, second-hand clothing markets, diversity training, and elderly interaction programs. Received multiple awards including Grand Prize and Silver-Level Award at sustainability conferences in 2025.
- SBI SecuritiesminorJoint marketing campaign for investment services. The partnership combines Keiyo Bank's local customer base and trust with SBI Securities's competitive commission rates for securities services. Campaign emphasizes '京葉银行的安心便利' (Keiyo Bank's reliable convenience) combined with SBI Securities's industry-low fees.
- SBI Holdings / SBIグループminorPartnership for securities services distribution, allowing Keiyo Bank customers to access SBI Securities investment products and services through the bank's distribution channels.
- Chiba Prefecture Forest Association (千葉県森林組合)coreForestry partnership for the bank's carbon offset private bond program. The association receives donations (0.1% of bond issuance) for forest maintenance activities in Chiba Prefecture, supporting environmental sustainability goals.
- Tr Travelex Japan (トラベレックスジャパン)minorReferral partnership for foreign currency services. Keiyo Bank acts as intermediary for Travelex Japan's currency exchange and foreign currency delivery services, providing these services to bank customers.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
The Keiyo Bank competitors and assessment
Company assessmentDirect peers
- Ashikaga Bank (Mebuki Financial Group): Tochigi-based regional bank now part of Mebuki Financial Group, providing retail and SME banking services. Comparable as a Japanese regional bank of similar scale with similar regulatory and competitive dynamics.
- The 77 Bank: Miyagi-based regional Japanese bank serving the Tohoku region with similar retail and SME banking offerings. Comparable as a peer regional bank of similar scale navigating Japan's low-rate environment.
- The Chiba Bank: The largest regional bank in Chiba Prefecture, offering a full suite of retail, SME, and corporate banking products across an extensive branch network. Directly comparable to Keiyo in geography, customer base, and product mix, with greater scale.
- The Juroku Bank: Gifu-based regional bank offering retail and SME banking with strong digital initiatives. Comparable as a mid-size Japanese regional bank pursuing digital transformation and ESG products.
- The Musashino Bank: Saitama-based regional bank with retail, SME, and corporate banking products. Comparable as a peer regional Japanese bank of similar scale serving an adjacent Kanto prefecture with similar product portfolio.
- The Yokohama Bank (Concordia Financial Group): Major Kanto-region regional bank offering retail, SME, and corporate banking with strong Tokyo metropolitan presence. Directly comparable as a Japanese regional bank with overlapping target market in the greater Tokyo area.
Emerging players
- Rakuten Bank: Online-first Japanese bank offering retail deposits, mortgages, and securities services within the Rakuten ecosystem. Comparable as a digital competitor targeting Keiyo's deposit and remittance customer base.
- SBI Sumishin Net Bank: Digital-first Japanese bank offering retail deposits, mortgages, and investment products with low-cost operating model. Comparable as a competitive threat and emerging alternative to traditional regional banks like Keiyo.
- Seven Bank: ATM-focused Japanese bank providing 24-hour banking services through convenience store locations. Comparable as both a competitor (basic account services) and a critical ATM partner for Keiyo's deposit account infrastructure.
Broad incumbents
- Mitsubishi UFJ Financial Group (MUFG): Largest Japanese mega-bank offering full retail, corporate, and investment banking services nationally and globally. Comparable as an incumbent competitor across all product lines, particularly for large corporate and investment products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
The Keiyo Bank social profiles
Digital presenceThe Keiyo Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Keiyo Bank leadership team
Management profileNumber of profiles
The Keiyo Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Keiyo Bank M&A and investment
M&A and investmentM&A
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about The Keiyo Bank
What does The Keiyo Bank do?
The Keiyo Bank is a regional commercial bank providing deposit accounts, lending products (housing, auto, education, business, and reform loans), investment services (mutual funds, NISA, fund wrap, insurance, robo-advisory via FUND Navi), credit cards (Keiyo VISA), and foreign exchange services. Corporate offerings include business financing, syndicated loans, business matching, succession planning, and corporate internet banking (Alpha Business Direct) with API connectivity. The bank distributes these services through 70+ branches, consulting plazas, ATMs, internet banking, and the Keiyo Bank mobile app across Chiba prefecture and Tokyo.
Is The Keiyo Bank a public or private company?
The Keiyo Bank is a private company. It is classified as public and is currently operating.
When was The Keiyo Bank founded?
The Keiyo Bank was founded in 1943. It employs 1,001 to 5,000 people.
Where is The Keiyo Bank based?
The Keiyo Bank is headquartered in Chiba, Japan, in the Asia region.
How does The Keiyo Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fee-based Income and investment Product Sales.
Who are The Keiyo Bank's main competitors?
Direct peers on record are Ashikaga Bank (Mebuki Financial Group), The 77 Bank, The Chiba Bank, The Juroku Bank, The Musashino Bank and The Yokohama Bank (Concordia Financial Group). Emerging players are Rakuten Bank, SBI Sumishin Net Bank and Seven Bank. Mitsubishi UFJ Financial Group (MUFG) is listed as a broad incumbent.
Does The Keiyo Bank have an API?
Yes. Keiyo Bank offers API connectivity services for its corporate banking platform Alpha Business Direct, including API Connection Authentication Service (API連携認証サービス) for enterprise clients to integrate with the bank's financial services. Developer documentation is at www.keiyobank.co.jp/business/eb_service/ib/api.
What industry is The Keiyo Bank in?
The Keiyo Bank's product category is Regional Banking. Its primary akta.pro industry code is FSABACAM, Consumer & Retail (CPG, Food, Apparel), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 522110 and its SIC code is 6021.