Kyoto Shinkin Bank
in Japan 🇯🇵
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About Kyoto Shinkin Bank in Japan
Kyoto Shinkin Bank is a major regional cooperative financial institution headquartered in Kyoto, Japan. It is the third-largest financial institution in the Kyoto area by asset size, operating with approximately 3.2 trillion yen in total assets and serving over 127,000 members as of 2025.
The bank specializes in serving small and medium-sized enterprises (SMEs) and local residents across its operating regions. Known for its strong focus on manufacturing industry lending and relatively high loan-to-deposit ratio, Kyoto Shinkin Bank pioneered the "community bank" concept in Japan in 1971, becoming the first financial institution in the country to adopt this regional development-focused approach.
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