Aichi Shinkin Bank

What Aichi Shinkin Bank does

Aichi Shinkin Bank (愛知信用金庫) is a cooperative financial institution (信用金庫) operating under Japan's Shinkin Bank Act, headquartered in Nagoya, Aichi Prefecture. Founded on January 16, 1951, the bank is owned by its 14,579 members — depositors and borrowers who hold shares (capital stock of ¥483M as of March 2026) — and is not publicly traded. As of end-of-March 2026, it operates 20 branches concentrated in Nagoya city (15 branches) and three surrounding municipalities (Toyoake, Nisshin, Ama), supported by 215 staff (140 male, 75 female). Member deposits total ¥2,940 billion and outstanding loans total ¥1,505 billion, with the institution operating under standard shinkin-bank regulatory and deposit insurance frameworks.

The bank's product portfolio centers on traditional retail and small-business banking: housing loans, car loans, education loans, free loans, card loans, and specialized products for seniors and families (Aishin Senior Life Loan, Childcare Support Plan); ordinary and time deposits including pension-preferential and children's savings products; insurance referral (life and non-life); iDeCo and individual government bonds; and credit cards issued through subsidiary Chubu Shinkin Card. Digital infrastructure consists of two smartphone apps — the Shinkin Banking App and a separate Account Opening App using My Number card verification — plus integrations with PayPay, Merpay, J-Coin Pay, Bank Pay, and J-Debit for cashless payments, and a LINE Official Account (@aichishinkin) for customer communications.

Revenue is generated primarily through the interest rate spread on the ¥1.5 trillion loan book versus ¥2.94 trillion in deposits, supplemented by transaction fees, loan processing fees, insurance referral commissions, and credit card interchange. The bank pursues a sales-led go-to-market anchored in physical branch consultation, supplemented by Sunday loan consultation centers, free pension advisory sessions, annual cultural lectures (文化講演会), and the Pension Friends Association (年金友の会). Recent strategic activity is limited to defensive digital modernization (apps, cashless integrations, LINE marketing) and a small minority venture investment in Nagoya-based medical device startup Illumi Medical (¥410M Series A, Jan-Feb 2026). No proprietary AI/ML capabilities, patents, or research output are indicated.

Name

Aichi Shinkin Bank

Legal name

Aichi Shinkin Bank (愛知信用金庫)

Website

https://aichishinkin.co.jp

Company type

Private

Founded year

1951

Operating status

Operating

Short description

Aichi Shinkin Bank is a member-owned cooperative credit union (信用金庫) founded in 1951, serving 14,579 retail and SME members across 20 branches in Nagoya and surrounding Aichi Prefecture municipalities with deposits, loans, insurance, and digital banking services.

Ownership category

akta.pro rank

Headquarters

HQ city

Nagoya

HQ country

Japan

HQ region

Asia

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest income from lending: As a credit union, Aichi Shinkin Bank primarily generates revenue from the interest rate spread between deposits and loans. The bank holds 1,505 billion yen in outstanding loans against 2,940 billion yen in deposits.
2. Fee and commission income: The bank earns fee income from various banking services including account management, loan processing, insurance product sales, investment product referrals, and cashless payment service integrations.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Aichi Shinkin Bank is a regional cooperative financial institution (shinkin bank) that accepts member deposits and extends a broad range of loans (housing, car, education, card, free, welfare and senior life loans) to individuals and small/medium enterprises across the Nagoya/Aichi region. It also distributes partner life and non-life insurance products, iDeCo and Japanese government bonds, and operates cashless payment integrations (PayPay, Merpay, J-Coin Pay, Bank Pay) and credit cards via its subsidiary Chubu Shinkin Card. The bank earns revenue primarily from the interest spread between deposits (¥2,940 billion) and loans (¥1,505 billion) supplemented by service fees.

Product overview

Aichi Shinkin Bank operates as a regional credit union (信用金庫) providing comprehensive financial services to individuals and businesses in the Aichi Prefecture area. The bank's product portfolio centers on core banking services including loan products (housing loans, car loans, education loans, free loans, card loans, welfare loans, and senior life loans), savings and deposit products (ordinary deposits, time deposits, comprehensive accounts, pension-preferential deposits, and childcare savings products), investment products (iDeCo and government bonds), and insurance products (life and non-life insurance through partner providers). The bank also offers digital banking services including smartphone apps for account opening and general banking, cashless payment integrations with PayPay, Merpay, J-Coin Pay, and Bank Pay, credit card services through Chubu Shinkin Card, customer consultation services for loans and pensions, and community engagement through cultural events and a pension members association. The institutional structure is organized around regional branch banking with digital and cashless service extensions.

Differentiator

Problem solved

Functional benefit

Products and services

• Housing Loans (住宅ローン) and Reform Loans (リフォームローン) Long-term loans for purchasing, building, or renovating homes, offered with fixed or variable interest rates. Targeted at individual home-buyers and existing homeowners in the Nagoya/Aichi service area.
• Car Loans (マイカーローン) Loans for automobile purchases, repairs, and related expenses. Targeted at individual consumers purchasing or maintaining vehicles.
• Education Loans (教育ローン / Aishin Education Plan) Loans for education expenses including tuition, entrance fees, and related costs for students. Targeted at parents of school-age and university students; amounts up to 10 million yen with WEB completion application available.
• Aishin Childcare Support Plan (あいちん子育て応援プラン) Loan product for childbirth and childcare expenses, targeting parents of children before elementary school entry. Part of the bank's family-support product line.
• Free Loans (フリーローン) — including Aishin Free Loan DASH and Accel Unsecured personal loans from 100,000 to 10 million yen with guarantor backing (Orient Corporation or NTT DoCoMo Finance) for various purposes including auto purchases, leisure, and business capital. WEB completion available on Accel variant.
• Card Loans (カードローン) — including Card Loan Wind Revolving credit lines for flexible borrowing needs. Card Loan Wind variant offers 100,000 to 5 million yen credit line at fixed rates of 3.5–14.5% with NTT DoCoMo Finance guarantee.
• Aishin General Personal Loan (あいちん一般個人ローン) General-purpose personal loan for various needs, ranging from 10,000 to 5 million yen. Targeted at individual borrowers in the bank's service area.
• Aishin Welfare Plan (あいちん福祉プラン) Loan for welfare-related expenses including nursing care equipment and facility entry deposits. Targeted at seniors and families needing care services.
• Aishin Senior Life Loan (あいちんシニアラ イフロン) Specialized loan product for pension recipients aged 60 and above, for cultural and comfortable living expenses up to 1 million yen.
• Regular Deposits (定期預金) Time deposits with various terms and interest rates, including super deposit products for individuals and corporations. Interest rates publicly posted at branches and on the website.
• Ordinary Deposits (普通預金) Flexible deposit accounts with on-demand withdrawal capability, suitable for daily transactions and salary/pension direct deposits. Protected under Japan's Deposit Insurance System.
• Comprehensive Account (総合口座) Combined account pairing ordinary deposits with time deposits, featuring automatic overdraft facility for flexible liquidity management.
• Aishin Pension Preferential Time Deposit (あいちん年金優遇定期預金) Preferential interest rate time deposit for pension recipients, offering additional interest rate on top of regular 1-year super deposit rates. Targeted at members who route their pension to Aichi Shinkin Bank.
• Childcare Support Hugukumi Time Deposit (子育て応援！はぐくみ定期積金) Time deposit product for children under 18 with extra interest rates, supporting childhood savings as part of the bank's family-oriented savings lineup.
• Fixed Compound Interest Deposit (定額複利預金) Long-term savings product with compound interest calculation, suitable for asset building over up to 5 years.
• Life Insurance Products (生命保険商品) Distribution of life insurance products from partner insurers, including whole life, endowment, annuity, medical, and cancer insurance. Sold through bank branches as insurance agency.
• Non-Life Insurance Products (損害保険商品) Distribution of non-life/damage insurance products including fire insurance linked to housing loans, travel insurance, and standard accident insurance, from partner non-life insurers.
• iDeCo (個人型確定拠出年金) Individual defined contribution pension plan (iDeCo) allowing participants to select and manage their own investment assets for retirement.
• Individual Government Bonds (個人向け国債) Government bonds for individual investors with 3-year, 5-year, and 10-year terms, offering stable fixed returns.
• Credit Cards via Chubu Shinkin Card (中部しんきんカード) Co-branded VISA and JCB credit cards (Gold and standard tiers) issued through subsidiary Chubu Shinkin Card Co., Ltd., available to account holders.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Scale indicators5 records

Recent moves3 records

Expansion highlights5 records

Regional players

• Suruga Bank: Regional Japanese bank serving Shizuoka Prefecture with a retail/SME-focused model. Operates a similar shinkin-style relationship banking approach in an adjacent geography, providing a useful structural and product-mix comparator.

Direct peers

• Ichinomiya Shinkin Bank: Shinkin bank headquartered in Ichinomiya, Aichi Prefecture. Operates under the same Shinkin Bank Act as a member-owned cooperative serving individuals and SMEs with the standard shinkin product set — a closely comparable regional peer.
• Gamagori Shinkin Bank: Aichi Prefecture-based shinkin bank serving the Gamagori and Mikawa region. Directly comparable cooperative financial institution with overlapping product suite (deposits, loans, pensions, insurance) and similar community-engagement model.
• Toyota Shinkin Bank: Shinkin bank headquartered in Toyota City, Aichi Prefecture. A direct regional peer offering identical shinkin products and services to individuals and SMEs in the Aichi market, with comparable size and member-owned cooperative structure.
• Okazaki Shinkin Bank: Aichi Prefecture-based shinkin bank serving Okazaki and surrounding areas. Directly comparable as another regional Japanese credit union offering the same deposit/loan/pension/insurance product mix to individual and SME members under the same Shinkin Bank Act framework.

Emerging players

• SBI Sumishin Net Bank: Digital-native Japanese bank offering high-yield deposits and low-rate mortgages entirely online. Represents the emerging competitive threat to traditional regional players like Aichi Shinkin, especially in retail deposits and mortgage origination.

Broad incumbents

• Aichi Bank: Regional commercial bank (second-tier) headquartered in Nagoya, Aichi Prefecture. Competitor for the same deposit and loan customers across Aichi, with a wider branch network and corporate banking capabilities — a clear incumbent peer.
• Juroku Bank: Major regional commercial bank serving Aichi and Gifu prefectures. Larger incumbent offering a broader portfolio (corporate banking, treasury, investment trusts) than Aichi Shinkin, but competing directly for the same Nagoya-area retail and SME customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

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

Investments2 records

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

Frequently asked questions about Aichi Shinkin Bank