Question 1

What is Tanyo Shinkin Bank?

Accepted Answer

Tanyo Shinkin Bank is a cooperative regional financial institution headquartered in Kakogawa City, Hyogo Prefecture, Japan. Known locally as "Tanyo," the bank serves as a community-focused shinkin bank dedicated to supporting small and medium-sized businesses and local residents through cooperative banking principles.

The bank operates 34 branches and 71 off-site ATMs throughout its designated service area, which includes major cities such as Kakogawa, Himeji, Kobe, and other municipalities in Hyogo Prefecture. With a strong emphasis on being a "consultation center for everything," Tanyo Shinkin Bank positions itself as a comprehensive financial partner for its community.

Question 2

When was Tanyo Shinkin Bank founded?

Accepted Answer

Tanyo Shinkin Bank was founded on June 10, 1926, as the Ikuno Credit Union (有限責任生野信用組合). The institution changed its name to Tanyo Shinkin Bank in March 1952, reflecting its evolution and expanded role as a shinkin bank under the post-war financial system reforms.

With nearly 100 years of history, the bank has built deep roots in the communities it serves, establishing long-term relationships with multiple generations of customers and businesses throughout the region.

Question 3

Where is Tanyo Shinkin Bank headquartered?

Accepted Answer

Tanyo Shinkin Bank is headquartered at 772 Mizonokuchi, Kakogawa-cho, Kakogawa City, Hyogo Prefecture 675-0064, Japan. The head office is conveniently located approximately three minutes on foot from JR Kakogawa Station, ensuring accessibility for customers and community members.

Kakogawa City, situated in the southern part of Hyogo Prefecture, serves as an ideal base for the bank's operations, positioning it to serve the industrial and residential communities throughout the region.

Question 4

Where does Tanyo Shinkin Bank operate?

Accepted Answer

Tanyo Shinkin Bank operates throughout a defined service area in Hyogo Prefecture, including Kakogawa City, Takasago City, Himeji City (excluding former Ieshima Town), Tatsuno City, Kasai City, Miki City, Ono City, Nishiwaki City, Kato City, Akashi City, Kobe City (Nishi Ward and Tarumi Ward), Yabu City, Asago City, Kamikawa County, Kako County, and Ibo County.

The bank maintains 34 branches strategically positioned throughout this service territory, complemented by 71 off-site ATM locations (including three managed jointly with other institutions). This extensive network ensures members and customers have convenient access to banking services throughout the region.

Question 5

What services does Tanyo Shinkin Bank offer?

Accepted Answer

Tanyo Shinkin Bank provides comprehensive financial services based on the Credit Union Act, including deposit products, lending services, domestic and international fund transfers, agency services, insurance sales, registered financial institution services, and defined contribution pension services.

Deposit products include various savings accounts, time deposits, and investment products. Lending services encompass housing loans, business loans, working capital financing, and specialized loan products for small and medium-sized enterprises.

The bank offers insurance products, investment consulting, and estate planning services. Digital banking includes internet banking and mobile banking services. The bank maintains partnerships with other financial institutions through the Shinkin Central Bank system, providing access to nationwide ATM networks and enhanced service capabilities.

Tanyo Shinkin Bank emphasizes its role as a "consultation center" (よろず相談所), offering business support, management consultation, and financial planning services to help customers achieve their goals.

Question 6

What makes Tanyo Shinkin Bank unique?

Accepted Answer

Tanyo Shinkin Bank has successfully pursued expansion of both deposits and loans while maintaining a customer-first philosophy described as "purpose management" (パーパス経営). In fiscal 2024, the bank achieved impressive growth, recording net income of 1.493 billion yen, representing a 10.52% increase over the previous year.

The bank maintains strong financial stability with total deposits exceeding 1 trillion yen and a capital adequacy ratio of 15.12% as of fiscal 2024, well above regulatory requirements. The member base continues growing, reaching 32,775 members in fiscal 2024, with member contributions receiving a 3 yen per share dividend.

Tanyo Shinkin Bank has entered into a "Zero Carbon Partnership Agreement" with Kakogawa City, demonstrating commitment to environmental sustainability. The bank's philosophy of treating customers with "kindness and thoughtfulness" reflects its dedication to personalized service and community welfare.

Question 7

What type of financial institution is Tanyo Shinkin Bank?

Accepted Answer

Tanyo Shinkin Bank is a shinkin bank (信用金庫, shin-yō kinko), a type of Japanese cooperative regional financial institution established to serve small and medium-sized enterprises and local residents. Shinkin banks operate under the Credit Union Act and are distinguished from commercial banks by their cooperative organizational structure.

Membership is open to individuals who live, work, or have offices in the bank's service area, and to companies with fewer than 300 employees. While shinkin banks accept deposits from anyone, lending is principally restricted to members, with loans to a single borrower limited to 25% of the bank's capital.

Tanyo Shinkin Bank operates under the supervision of the Financial Services Agency and is supported by the Shinkin Central Bank. The cooperative structure ensures that locally raised funds are used exclusively for local economic development, embodying the principle of "co-existence and co-prosperity with local communities."

Tanyo Shinkin Bank

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About Tanyo Shinkin Bank in Japan