The Akita Bank

What The Akita Bank does

The Akita Bank (株式会社秋田銀行, TYO:8343) is a publicly listed Japanese regional bank founded in 1941 and headquartered in Akita City, Akita Prefecture. It serves two principal customer segments: individual retail customers (deposits, housing and consumer loans, credit/debit cards, insurance, investment trusts, internet and mobile banking) and corporate/SME customers in Akita Prefecture and surrounding Tohoku/Hokkaido regions (business loans, syndicated lending, treasury and cash management, M&A and succession advisory, factoring, collection services, and corporate credit cards). Distribution is hybrid: an extensive branch and ATM network across Akita, Hokkaido, Aomori, Iwate, Miyagi, Fukushima, Niigata, and Tokyo, augmented by digital channels including the Akigin App, Akigin Komachi internet-only branch, Akigin Business Portal (corporate portal co-developed with Emerada), and FB services delivered over NTT Data's VALUX authentication platform. Core wholly owned operating subsidiaries comprise Akita Grand Lease (leasing/FB software distribution), Akita JCB Card, and Akita International Card.

Revenue is generated through traditional banking interest income (loans and deposits), transaction-based fees (transfers, ATMs, Pay-easy, forex), recurring account-based fees (credit card annual fees ¥1,375-¥55,000; VALUX FB monthly fees ¥2,000-¥3,000; collection service fees ¥3,300/month plus ¥110-¥165 per transaction), and fee income from newer product adjacencies (digital signage advertising). The bank's go-to-market is sales-led, anchored in branch-based relationship banking complemented by digital self-service. Reported FY2026 figures show revenue of ¥335.5B and net income of ¥48.5B, up sharply from FY2024 (¥256.6B revenue, ¥30.0B net income), reflecting strong recent operating leverage. Strategic posture is centered on regional economic revitalization, SME digital transformation support (DX seminars, Business Portal, freee accounting, OLTA cloud factoring), and policy-aligned ESG initiatives recognized by the Cabinet Office and METI in 2026.

Name

The Akita Bank

Legal name

Akita Bank Co., Ltd. (株式会社秋田銀行)

Website

https://akita-bank.co.jp

Company type

Public

Founded year

1941

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

The Akita Bank (株式会社秋田銀行, TYO:8343) is a publicly listed Japanese regional bank headquartered in Akita City, serving retail and SME/corporate customers across Akita Prefecture and Tohoku/Hokkaido through branches, the Akigin App, internet banking, and corporate services including loans, FB, and treasury products.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (52211)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Agricultural & Rural Development Banks (FSABAKAE), Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Regional banking services
• Corporate lending
• Consumer deposits
• Internet banking
• Leasing services

Headquarters

HQ city

Akita-shi

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 interest income from loans (housing loans, personal loans, business loans) and deposits.
2. Fee and Commission Income: Transaction fees, ATM fees, transfer fees, account management fees, foreign exchange fees, and various service charges.
3. Collection Services: Collection service fees from corporate clients using the accounts receivable collection service.
4. Credit Card Business: Annual fees and transaction fees from corporate credit cards (JCB and VISA platinum, gold, and regular cards).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

The Akita Bank is a regional Japanese commercial bank headquartered in Akita City, Akita Prefecture, providing retail and corporate banking products including deposits, loans, foreign currency services, and electronic banking. It also offers credit cards, leasing, and management support services through subsidiaries such as Akita Grand Lease, Akita JCB Card, and Akita International Card.

Product overview

The Akita Bank operates as a regional financial institution offering a comprehensive banking platform with multiple integrated service modules. The core offering includes personal banking services (deposits, loans, cards, internet banking) and corporate banking services (loans, business support, treasury management). Key digital products include the あきぎんアプリ mobile app for personal banking, あきぎんこまち支店 internet-only branch for remote customers, FBサービス（VALUX） for corporate banking transactions, 法人カード corporate credit cards, 電子交付サービス electronic document delivery, 代金回収サービス accounts receivable collection, and the newly launched Akigin Business Portal for corporate fund and invoice management. The bank also provides specialized services like 経営支援総合サービス「Biscocom」 management support, あきた未来塾 business development training, and various loan products including 住宅ローン mortgages, マイカーローン auto loans, 教育ローン education loans, and business loans such as あきぎんBizサポート and あきぎん速決ビジネスローン.

Differentiator

Problem solved

Functional benefit

Brands

• あきぎんアプリ (Akigin App): Mobile banking application for balance inquiries, transfers, investment trusts, and purpose-based savings
• あきぎんこまち支店 (Akigin Komachi Branch)
• Akigin Business Portal (ビジンポータル)
• VALUX (Anser-SPC, Anser-HT)

Products and services

• Akigin App Mobile banking application for individual customers to access banking services on smartphones
• Akigin Komachi Internet Branch Internet-only banking service targeted primarily at individual retail customers, including those outside the Akita region
• Akigin Business Portal Web-based portal for corporate and SME customers to manage business banking operations
• FB Service (VALUX) Corporate banking service using VALUX authentication for secure corporate transactions
• OnlyOne Credit Card Credit card product offered to retail customers through Akita JCB Card subsidiary
• OnlyOne Debit JCB Card JCB-branded debit card product for retail customers
• Corporate Cards Corporate credit cards for business expense management
• Smart Next Loans Consumer and small business loan products offered through the bank's lending platform
• Akita Grand Lease Services Leasing services provided through subsidiary Akita Grand Lease
• Biscocom Management Support Service Business matching and management support platform for SME customers

Quantifiable outcome

• Provides free Akigin Business Portal service for corporate internet banking users including fund management, payment operations, invoice issuance, and electronic bookkeeping.

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Emerada Co., Ltd.coreTechnology or Integration · 23 March 2026Emerada Co., Ltd. partnered with Akita Bank to develop and launch the corporate portal service 'Akigin Business Portal' in April 2026. Emerada participated from conceptualization through system architecture, development, and service promotion. The service provides fund management, payment operations, invoice issuance, and electronic bookkeeping functions free for corporate banking users.
• Ineto AgaveminorStrategic or Co-development Partner · 27 February 2026Craft sake brewery receiving syndicated loan financing from Akita Bank for brewing equipment enhancement, representing regional industry support and development partnership.
• NTT Data CorporationcoreTechnology or IntegrationNTT Data provides the VALUX terminal authentication service used for the bank's FB (Financial Business) services including Anser-SPC, Zenkoku file transmission, and Anser-HT. VALUX enables multi-bank transactions from a single interface with enhanced security.
• Akita Grand Lease Co., Ltd.minorChannel Partner/ Reseller/ DistributorAkita Grand Lease sells VALUX-compatible software (EB Next2 DX) for the bank's FB services and handles leasing business operations.
• Mitsubishi UFJ Factor Co., Ltd.minorChannel Partner/ Reseller/ DistributorMitsubishi UFJ Factor partners with Akita Bank to provide collection services for corporate clients, enabling accounts receivable collection from multiple financial institutions.
• Akita JCB Card Co., Ltd.coreChannel Partner/ Reseller/ DistributorJoint venture handling JCB corporate credit card services for Akita Bank, offering platinum, gold, and regular corporate cards.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Tohoku Bank: Independent regional bank serving the same Tohoku region as Akita Bank. Competes for SME deposits and loans in adjacent prefectures with comparable deposit/loan product mix and digital transformation profile.
• Shonai Bank: Independent regional bank in Yamagata Prefecture competing in the same Tohoku economic zone as Akita Bank. Offers a similar SME-centered product set including business matching, M&A support, and digital banking services.
• Yamagata Bank: Tohoku regional bank serving Yamagata Prefecture with full retail and SME banking services. Closely comparable in scale, customer segmentation, and reliance on regional economic vitality to Akita Bank.
• Aomori Bank: Regional bank headquartered in Aomori Prefecture, the neighboring Tohoku prefecture. Operates under the same state-chartered commercial banking framework with the same long-standing SME and retail banking franchise model as Akita Bank.
• Hokuto Bank: Regional bank also operating primarily in Akita Prefecture (now a subsidiary of Concordia Financial Group). Direct same-territory competitor with near-identical customer base of retail customers and SMEs in Akita.
• Kirayaka Bank: Regional bank in Yamagata with a similar customer profile and SME focus. Competes in the Tohoku adjacent regions and offers comparable digital retail and corporate banking services to Akita Bank.
• Hokkaido Bank: Major regional bank operating in Hokkaido, where Akita Bank also maintains branches. Directly comparable in scale and product mix, and competes head-to-head for the same Tohoku/Hokkaido SME customers.
• Iwate Bank: Regional bank headquartered in Iwate Prefecture, directly neighboring Akita. Shares the Tohoku-area competitive set with overlapping corporate banking products, regional revitalization initiatives, and digital banking roadmap.

Broad incumbents

• Concordia Financial Group: Banking holding company headquartered in Tokyo controlling Hokuto Bank — Akita Bank's primary in-territory rival. Demonstrates the consolidation playbook relevant to independent Japanese regional banks including Akita.
• Sumitomo Mitsui Banking Corporation (SMBC): Mega-bank incumbent that competes with Akita Bank for larger regional corporate clients and increasingly for retail customers through digital channels. Relevant benchmark for the scale and capability gap Akita Bank faces.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/akitabank.official

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments6 records

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

Frequently asked questions about The Akita Bank