The Daito Bank

What The Daito Bank does

The Daito Bank (大東銀行) is a regional Japanese commercial bank founded in 1942 and headquartered in Koriyama/Fukushima Prefecture, listed on the Tokyo Stock Exchange under symbol 8563. The bank provides a comprehensive retail and corporate banking platform spanning deposit-taking (yen savings, time deposits, prize-linked deposits, government bonds, investment trusts), lending (housing, auto, education, renovation, unsecured personal, card loans, and SME business loans), insurance products, and individual defined contribution pensions (iDeCo). It also offers payment and collection services — Pay-easy (ペイジー) tax and bill payments, F-NET collection service for direct debits, Densai Net (でんさいネット) electronic commercial paper, Web口座振替, and mobile barcode payments — to both individuals and businesses.

The bank distributes its services through a hybrid channel architecture that combines a traditional physical branch and ATM network across Fukushima Prefecture with three digital channels: personal and corporate internet banking, the Daito Smartphone App (だいとうスマホアプリ), and the HarMONy Branch (ハーモニー支店), an internet-only branch without a physical storefront. Core technology is described as a standard banking core system; integrations span payment/billing rails, security software (CERT/NEATIS, DMARC email authentication on @ib.finemax.net and @finemax.net domains), and Zengin Kyokai-standard accounting data output.

Revenue mechanics combine net interest income from the loan book with transaction and account fees (business internet banking plans at ¥1,650 and ¥5,500 per month, transfer fees of ¥110-550), fee and commission income from fund and insurance sales, and deposit-funded balance sheet operations. Primary segments are individual retail customers (deposits, mortgages, consumer credit, insurance, pension) and corporate/SME customers (working capital loans, treasury services, electronic payment systems, business matching). GTM is relationship-led within the Tohoku region, increasingly supplemented by self-service digital acquisition via the smartphone app and HarMONy Branch.

Name

The Daito Bank

Legal name

株式会社大東銀行

Website

https://daitobank.co.jp

Company type

Private

Founded year

1942

Operating status

Operating

Headcount range

251–500 employees

Short description

The Daito Bank (大東銀行) is a regional Japanese commercial bank founded in 1942, headquartered in Fukushima Prefecture, and listed on the Tokyo Stock Exchange under symbol 8563. It serves individual retail and corporate/SME customers across the Tohoku region with deposits, loans, insurance, pensions, and digital payments via branches, ATMs, internet banking, a smartphone app, and an internet-only branch.

Ownership category

akta.pro rank

Headquarters

HQ city

Koriyama

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, Others

Revenue model

1. Interest Income: Primary revenue stream from interest earned on loans including mortgages, auto loans, education loans, and business loans.
2. Fee and Commission Income: Fees from account management, transfers, internet banking services, investment fund sales, insurance products, and other financial services.
3. Deposit Taking: Accepts deposits including yen deposits, time deposits, investment trusts, and national government bonds.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels1 record

Core offering

The Daito Bank is a regional Japanese bank that provides deposit accounts, lending products, investment trusts, insurance, pensions, and payment services to individual and corporate customers in Fukushima Prefecture and the broader Tohoku region. Its offering is delivered through physical branches, an ATM network, internet and mobile banking, and an internet-only "Harmony Branch," and includes business banking services such as corporate internet banking, electronic commercial paper (Densai Net), Pay-easy tax/bill payments, and F-NET direct-debit collections.

Product overview

The Daito Bank (大東銀行) operates as a regional Japanese financial institution offering a comprehensive banking platform with multiple service channels. The core banking infrastructure consists of personal and corporate internet banking platforms, the Daito smartphone app, and the Harmony Branch (internet-only branch). The deposit portfolio includes yen deposits, fixed deposits, investment trusts, government bonds, and special products like Mizumirai Premium and Yume Wakuwaku prize-linked deposits. Lending products encompass housing loans, automobile loans, education loans, reform loans, free loans, card loans, and business loans including the New Business Loan. Additional services include insurance products, iDeCo pension plans, inheritance services, credit/debit cards, safe deposit boxes, electronic commercial paper (Densai Net), and various payment services including Pay-easy, F-NET collection services, and web-based direct debit. The bank also provides business support tools including fund transfer services, payroll processing, and file transmission for accounting integration.

Differentiator

Problem solved

Functional benefit

Brands

• ハーモニー支店 (Harmony Branch): Internet-only branch (店舗や窓口を持たないインターネット上の支店) offering account opening and banking services through smartphone app, ATM, and internet banking.
• だいとうスマホアプリ (Daito Smartphone App)
• だいとうインターネット投資信託

Products and services

• Personal Internet Banking Online banking platform for individual customers enabling account management, fund transfers, bill payments, and investment transactions.
• Business Internet Banking (Daito Business Internet Banking) Comprehensive online banking service for corporate customers offering online transactions, file transfer for bulk transfers and payroll processing, and F-NET collection service access.
• Daito Smartphone App Mobile banking application for smartphones enabling account opening, balance inquiries, transfers, and account management.
• Harmony Branch (Internet-only Branch) Internet-only branch with no physical storefront where customers can open accounts and conduct banking through the smartphone app, ATM, and internet banking.
• Yen Deposits and Comprehensive Account Japanese yen savings accounts including regular deposits and comprehensive (sogo) accounts for personal banking customers.
• Fixed-term Deposits Fixed-term deposit products including standard time deposits, installment-type time deposits, and asset-formation savings products.
• Mizumirai Premium Time Deposit Premium time deposit product offering special interest rates targeted at personal savings customers.
• Yume Wakuwaku Prize-Linked Time Deposit Prize-linked time deposit product featuring lottery-style prize drawings for personal depositors.
• Investment Trusts Investment trust funds available for purchase by personal banking customers, distributed through branches and online.
• Internet Investment Trusts Online investment trust service for purchasing and managing investment trust funds through internet banking.
• Japanese Government Bonds Japanese government bonds (kokusai) available for purchase by individual investors through the bank.
• Housing Loans Housing loans for home purchases and refinancing offered to individual borrowers.
• Daito Auto Loan Auto loans for vehicle purchases by individual customers.
• Daito Education Loan Education loans for tuition and related education expenses for individual borrowers and their families.
• Daito Free Loan Unsecured personal loans usable for any purpose, offered to individual customers.
• Daito Reform Loan Home renovation loans for property improvements available to personal customers.
• Daito Card Loan Card-based revolving credit line offered to individual borrowers.
• VIDA Multi-purpose Loan for Housing Loan Customers Multi-purpose loan offered exclusively to existing housing loan customers of the bank.
• Daito New Business Loan and Daito New Business Loan Plus Business loans for small and medium enterprises including new business support, available in standard and Plus tiers.
• Life Insurance Products Life insurance and other insurance products offered to personal customers through the bank's distribution channel.
• iDeCo Individual-type Defined Contribution Pension Individual-type defined contribution pension plan (iDeCo) for retirement savings offered to personal customers.
• Inheritance-related Services Inheritance-related services including estate management and succession planning for personal customers.
• Credit Cards Credit card services issued to personal and business customers of the bank.
• Debit Cards Debit card services linked directly to customer deposit accounts for point-of-sale and online payments.
• Safe Deposit Box Service Safe deposit box services for valuables storage available to personal and business customers.
• Densai Net (全銀電子債権ネットワーク) Electronic Commercial Paper Electronic commercial paper network service that enables corporate customers to issue and manage digital debt instruments on the Zengin Densai Net platform.
• Pay-easy Account Transfer Service Online tax and bill payment service using the Pay-easy (ペイジー) system, available through personal internet banking.
• Web Direct Debit Application Service Web-based direct debit application service enabling customers to set up account transfer (kofuuri) for recurring payments online.
• F-NET Collection Service Business collection service that allows corporate customers to collect payments from their customers' bank accounts via direct debit into a designated account.
• Automatic Recurring Transfer Service Automatic recurring transfer service enabling scheduled inter-account and inter-bank transfers.
• Financial Product Intermediation Service Financial product intermediation service distributing third-party securities and investment products through the bank.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Fukushima Prefectural PoliceminorOthersDaito Bank collaborates with Fukushima Prefectural Police on financial crime prevention awareness, displaying police fraud prevention information on its website to protect customers from financial scams and fraud.
• National Tax Agency, Local Tax Affairs Bureau, Japan Pension Service, and Other Collection AgenciescoreOthersDaito Bank processes tax payments, social insurance premiums, and other government collections through its Pay-easy (PAYジー) service, serving as a collection channel for various public sector entities.

Recent moves6 records

Expansion highlights6 records

Direct peers

• Tohoku Bank: Regional Japanese commercial bank headquartered in Miyagi Prefecture serving the Tohoku region with personal and SME banking. Operates a similar product mix (deposits, loans, digital channels) and competes with The Daito Bank for retail and corporate customers in northeastern Honshu.
• Akita Bank: Regional Japanese commercial bank serving Akita Prefecture in Tohoku with personal and corporate banking services. Comparable in franchise focus, regulatory regime, and customer base to The Daito Bank's operations in Fukushima.
• Juroku Bank: Regional Japanese commercial bank serving the Chubu region with retail, corporate, and digital banking services. Comparable in business model, product breadth, and SME focus as a medium-sized listed regional bank, though outside Tohoku.
• Aomori Bank: Regional Japanese commercial bank serving Aomori Prefecture in Tohoku. Comparable in scale, geographic focus, and product offering to The Daito Bank, operating as a community-focused listed regional bank.
• Yamagata Bank: Regional Japanese commercial bank serving Yamagata Prefecture in the Tohoku region. Operates a similar full-service retail and SME banking model with internet banking and a comparable loan and deposit mix.
• Hyakugo Bank: Regional Japanese commercial bank serving the Tokai region with deposits, loans, and digital channels. Comparable in scale, listed status, and full-service regional banking profile to The Daito Bank.
• Kiryusha Bank: Regional Japanese bank headquartered in Yamagata Prefecture (Tohoku) providing retail and SME banking. Closely comparable in scale, regional orientation, and product breadth to The Daito Bank, with overlapping customer profiles in Tohoku.

Regional players

• Hokkoku Bank: Regional Japanese commercial bank serving the Hokuriku region (Ishikawa and Toyama Prefectures). Comparable in size, listed status, and full-service regional banking model to The Daito Bank, though geographically distinct.
• Hokuetsu Bank: Regional Japanese commercial bank serving Niigata Prefecture with personal and SME banking products. Comparable in business model and product mix but operates in a different Hokuriku-adjacent region from The Daito Bank's Tohoku focus.

Broad incumbents

• 77 Bank: The largest regional bank in Tohoku, headquartered in Miyagi Prefecture. Larger and broader than The Daito Bank but competes for the same regional customers and SMEs with overlapping retail and corporate products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Investments

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

Frequently asked questions about The Daito Bank