Kumamoto Dai-Ichi Shinkinbank

What Kumamoto Dai-Ichi Shinkinbank does

Kumamoto Dai-Ichi Shinkinbank (熊本第一信用金庫, financial institution code 1952) is a member-owned regional credit union (信用金庫) licensed under Japan's Shinkin Bank Act and registered with the Kyushu Finance Bureau (Registration No. 14). Operating from its headquarters in Chuo-ku, Kumamoto City, it serves individual retail customers and SMEs primarily across Kumamoto Prefecture, including Kumamoto City, Yamaga City, and Kikuchi City, through a physical branch and ATM network supplemented by internet banking, mobile applications for account opening and digital passbooks, and an Open API infrastructure shared via the Shinkin Information System Center.

Its core product set spans deposit products (ordinary, savings, time, notice, tax-related, and the 'Tenshukan' Kumamoto Castle restoration-themed time deposit), a broad lending book (fixed and variable housing loans including reverse mortgages, auto, education, free, card and web card loans, business 'Honmaru', Shinkin Guarantee Fund-backed mortgages, and the co-branded Startup Support Loan with Japan Finance Corporation), investment trusts, life insurance, and the Japan Full Happ mutual aid system. Digital and ecosystem integrations include Bank Pay QR payments, Pay-easy bill payment, the Densai electronic receivables service (densai and densai light), and connective accounting software via Freee, Money Forward, Yayoi, TKC, and Miroku Webcash. The bank is actively building SME and startup support capabilities through formal partnerships with Japan Finance Corporation, the Kumamoto Credit Guarantee Association, Kumamoto Yorozu Support Base (METI), multiple Chambers of Commerce, XOSS POINT., and Glocal Cloud Funding.

Revenue is generated through net interest spread on deposits and loans, fee income from ATM usage, remittances, and account services, plus commissions from investment trust, insurance, and mutual aid agency sales. Distribution is hybrid: physical branches and ATMs for relationship and advisory work, plus self-service digital channels (internet/mobile banking, Open API) for account management, payments, and remote loan origination. Recent operational signals include branch consolidation (Yamaga-Kumami integration in September 2024) and product expansion (Positive Impact Finance, 'Penly' address change one-stop service, the Kumamoto City Urban Regeneration loan, and adoption of Business Casual dress code).

Name

Kumamoto Dai-Ichi Shinkinbank

Legal name

熊本第一信用金庫 (KUMAMOTO DAI-ICHI SHINKINBANK)

Website

https://daiichishinkin.co.jp

Company type

Private

Operating status

Operating

Short description

Kumamoto Dai-Ichi Shinkinbank is a member-owned regional credit union (信用金庫) headquartered in Kumamoto City, Japan, serving individual retail customers and SMEs across Kumamoto Prefecture with deposits, lending, payment, and startup support services through a branch, ATM, and digital banking network.

Ownership category

akta.pro rank

Headquarters

HQ city

Kumamoto-shi

HQ country

Japan

HQ region

Asia

Offices4 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 (預金業務): Accepts deposits from individuals and businesses including current accounts, savings accounts, time deposits, and investment trusts. Interest rate spreads between lending and deposit rates form a core revenue stream.
2. Lending / Loan Operations (融資業務): Provides housing loans, car loans, education loans, business loans, and other credit products to individuals and SMEs. Generates interest income as primary revenue source.
3. Investment Product Sales (，投信販売・保険販売): Sells investment trusts, insurance products, and mutual aid (共済) products as an agency, earning commissions.
4. Fee Income (手数料収入): Generates fees from ATM usage, remittances, account management, and various banking service charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Kumamoto Dai-Ichi Shinkinbank is a regional credit union (信用金庫) operating in Kumamoto Prefecture, Japan, providing deposit accounts, housing and personal loans, business and startup financing, investment trusts, insurance and mutual aid products, plus internet and mobile banking services through its branch and ATM network.

Product overview

Kumamoto Dai-Ichi Shinkinbank operates as a regional credit union offering a comprehensive financial services platform organized around digital banking, deposit products, and lending services. The core digital infrastructure includes internet banking (both personal and corporate), mobile applications for account opening and digital passbooks, Bank Pay QR payments, Pay-easy bill payment services, and an open API system for third-party financial software connectivity. The lending portfolio spans personal products (housing loans including fixed-rate and reverse mortgage options, automobile loans, education loans, revolving credit cards, and unsecured personal loans) and business products (startup financing, green finance, and working capital lines). The bank also provides investment trusts, insurance products, and the Shinkin Full Happ mutual aid system. All services are accessible through the bank's website at daiichishinkin.co.jp, with digital account opening and loan processing capabilities enabling fully remote transactions.

Differentiator

Problem solved

Functional benefit

Products and services

• Deposit Products Range of deposit products including current accounts, ordinary deposits, time deposits, savings deposits, notice deposits, and tax-related deposits for retail customers in Kumamoto Prefecture.

Quantifiable outcome

• Multiple Positive Impact Finance deals executed for sustainable management SMEs
• +1 more outcomes

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

Integration29 records

Feature5 records

Partnerships

16 partnerships are on record, tiered core and minor.

• 日本政策金融公庫 (Japan Finance Corporation)coreStrategic or Co-development PartnerPolicy-based financial institution providing startup and SME financing. The bank coordinates with JFC on joint loan products (協調融資) including '新規開業・スタートアップ支援資金' (up to JPY 72M). Supports joint business matching events and maintains a startup support agreement (創業支援). Also signed crisis response cooperation agreement (危機事象発生における業務連携に関する覚書) in January 2026.
• 熊本県信用保証協会 (Kumamoto Credit Guarantee Association)coreStrategic or Co-development PartnerPublic guarantee institution supporting SME financing. Offers credit guarantees for bank loans enabling businesses to access financing they would otherwise not qualify for. Provides 熊本県創業者支援資金 and other guaranteed loan products.
• 熊本県よろず支援拠点 (Kumamoto Yorozu Support Base)coreStrategic or Co-development PartnerGovernment-run business consulting service under METI. The bank hosts monthly consultation sessions (第2・4月曜日 at コスモス花畑ビル, 第3金曜日 at 山鹿来民支店) providing free expert business consulting for SMEs and startups.
• 熊本商工会議所 / 八代商工会議所 / 玉名商工会議所 / 山鹿商工会議所 (Kumamoto, Yatsushiro, Tamana, Yamaga Chambers of Commerce)coreStrategic or Co-development PartnerLocal chambers of commerce providing business support services including seminars (創業塾), business planning assistance, and professional management consulting. Partner in the bank's 5-step startup support program.
• 熊本県商工会連合会 (Kumamoto Federation of Commercial Associations)coreStrategic or Co-development PartnerFederation supporting rural small businesses. Provides management guidance, financial planning support, and subsidy consultations with continuous advisory support for entrepreneurs in non-city areas.
• XOSS POINT. (Startup Support Facility)coreStrategic or Co-development PartnerStartup support facility offering expert management consulting, startup support, and entrepreneur discovery and cultivation programs. Partner in the bank's startup ecosystem for one-stop management consultations.
• 株式会社グローカル・クラウドファンディング (Glocal Cloud Funding Corporation)minorStrategic or Co-development PartnerCrowdfunding platform operator providing equity-type and donation-type crowdfunding options for businesses. Part of the bank's alternative funding options for entrepreneurs and SMEs.
• freee株式会社 (Freee Corporation)coreTechnology or IntegrationCloud accounting software provider integrated with the bank's open API system, allowing users to automatically import bank transaction data into Freee's accounting software.
• 株式会社マネーフォワード (Money Forward Corporation)coreTechnology or IntegrationFinancial management platform (Money Forward ME, Money Forward Cloud Series) integrated with bank account data via open API, enabling automated financial tracking and bookkeeping.
• 弥生株式会社 (Yayoi Corporation)coreTechnology or IntegrationAccounting software provider (弥生会計, 弥生会計オンライン, やよいの青色申告オンライン, etc.) integrated with the bank's open API for accounting data synchronization.
• 株式会社ミロク情報サービス (Miroku Webcash International Corporation)coreTechnology or IntegrationEnterprise accounting and ERP solutions provider (ACELINK NX-CE, かんたんクラウド, iCompass NX) connected via open API for SME financial management integration.
• 株式会社NTTデータ / 三井住友カード / 三菱UFJニコス / KDDI等他 (NTT Data and major payment providers)coreTechnology or IntegrationMultiple electronic payment operators handling Pay-easy (ペイジー) information link payment services. Includes payment processors, factoring companies, and telecommunications providers enabling various electronic payment and settlement services.
• 株式会社九州しんきんカード (Kyushu Shinkin Card)minorChannel Partner/ Reseller/ DistributorCredit card company affiliated with the Shinkin bank system in Kyushu, providing co-branded and Shinkin-affiliated credit card services to bank customers.
• 日本フルハップ (Nihon Full Happ)minorChannel Partner/ Reseller/ DistributorMutual aid (共済) product provider for Shinkin banks. The bank began offering Full Happ mutual aid products from April 1, 2024, as part of expanded financial protection services for customers.
• 株式会社生活基盤プラットフォーム (Life Event Platform Corporation)minorChannel Partner/ Reseller/ DistributorProvides life event platform services linked from the bank's website, helping customers with major life decisions such as housing, childcare, and financial planning.
• 熊本学園大学 (Kumamoto Gakuen University)minorStrategic or Co-development PartnerThe bank conducts special lectures at Kumamoto Gakuen University as part of its community contribution and financial education initiatives.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Higo Bank (肥後銀行): Dominant regional bank in Kumamoto Prefecture, now part of Japan Post Bank group. Overlaps directly in retail deposits, housing loans, and SME lending, with a larger branch and ATM footprint in the same territory.
• Nagano Shinkin Bank (長野信用金庫): Regional Shinkin bank serving Nagano Prefecture with similar mix of retail deposits, SME lending, and community contribution programs. Comparable mid-sized cooperative financial institution with overlapping regulatory and product constraints.
• The Kumamoto Bank (熊本銀行): Regional bank subsidiary of Juhachi Shinwa Bank group serving Kumamoto Prefecture. Comparable in customer base (local SMEs and retail) and geographic focus, though structured as a second-tier regional bank rather than a cooperative Shinkin.
• Yokohama Shinkin Bank (横浜信用金庫): Large urban Shinkin bank serving Yokohama. Comparable as a same-system Shinkin bank with similar product taxonomy (deposits, loans, investment trusts, partnership referral ecosystem) but operating in a distinct metropolitan geography.
• Kyoto Shinkin Bank (京都信用金庫): Mid-sized regional Shinkin bank with similar branch-based retail/SME model, comparable digital app stack, and an active startup/SME support ecosystem. Closest analog in terms of product breadth and community-banking positioning.
• Kumamoto Shinkin Bank (熊本信用金庫): Another Shinkin bank operating in Kumamoto Prefecture, directly competing for the same retail and SME customers in overlapping branch geographies. Most directly comparable peer given identical business model, regulatory regime, and target market.

Broad incumbents

• SBI Sumishin Net Bank (SBI Sumishin Net Bank, Ltd.): Major digital bank competing for retail deposits and SME banking customers nationwide. Overlaps with Kumamoto Dai-Ichi on digital account opening, internet banking, and SME lending, but at a vastly larger scale and with a pure-digital cost base.
• Shinkin Central Bank (信金中央金庫): The central cooperative bank for all Shinkin banks in Japan, providing shared infrastructure (Open API, Shinkin Information System Center, ATM networks) and the integrated funding/liquidity backstop. Comparable as the umbrella institution for the same credit union system Kumamoto Dai-Ichi belongs to.

Regional players

• Japan Finance Corporation (日本政策金融公庫): Policy-based public financial institution co-financing SME and startup loans with Kumamoto Dai-Ichi via joint products (e.g., 協調融資 up to JPY 72M). Acts as a partner/backstop rather than direct competitor, but operates in identical SME/startup lending territory.

Others

• Money Forward (Money Forward, Inc.): Cloud accounting and personal finance platform integrated with the bank via Open API. Adjacent ecosystem enabler rather than competitor, but its growing suite of financial products (lending, payments) increasingly overlaps with traditional Shinkin offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/daiichishinkin
• Instagraminstagram.com/kumadaiichi

Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Kumamoto Dai-Ichi Shinkinbank