The Keiyo Bank

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.

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

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

• Retail banking services
• Housing loan products
• Investment advisory services
• Corporate banking services
• Foreign exchange services

Headquarters

HQ city

Chiba

HQ country

Japan

HQ region

Asia

Offices3 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. 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.
2. Fee-based Income: Transaction fees from account services, wire transfers, foreign exchange services, investment products (funds, insurance), and internet banking services.
3. Investment Product Sales: Revenue from sales of investment trusts, NISA accounts, fund wrap services, insurance products, and foreign currency deposits.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core 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)

Named customers2 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

Integration11 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• C.R.E.coreStrategic or Co-development Partner · 23 July 2026Carbon 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 UniversitycoreStrategic or Co-development Partner · 17 March 2025Ongoing 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 SecuritiesminorGTM or Marketing PartnerJoint 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minorGTM or Marketing PartnerPartnership 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)coreStrategic or Co-development PartnerForestry 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)minorChannel Partner/ Reseller/ DistributorReferral 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

Direct 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

• Xx.com/keiyobkofficial
• YouTubeyoutube.com/channel/UCwLgQqAsALXjrQp0gibzHng
• Facebookfacebook.com/keiyobank.official
• Instagraminstagram.com/keiyobk_official

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments4 records

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

Frequently asked questions about The Keiyo Bank