中央労働金庫 (Chuo Rokin / Central Labour Bank)

Wiki route

This entry sits under cooperative-banks INDEX as the largest of the 13 rokin (labour bank) operating companies in Japan, providing the rokin-side operating-company anchor parallel to Kyoto Chuo Shinkin Bank (shinkin) and Osaka Shogin Credit Cooperative (shinkumi). Read it against Rokin Renraku for the cooperative-system central institution, rokin registry for the 13-rokin landscape, and cooperative banking domain for the broader regulatory boundary.

TL;DR

Chuo Rokin (中央ろうきん) is the Kanto-region 1 -metropolis 7 -prefecture wide-area labour bank that is the largest by total assets and deposits among the 13 rokin. Founded on the Labour Bank Act, its operating base covers the 1 metropolises and 7 prefectures of Tokyo, Kanagawa, Saitama, Chiba, Ibaraki, Tochigi, Gunma, and Yamanashi. Its members are labour unions, consumer co-ops, NPOs and other workers’ organizations + individual workers, and its core business is worker-welfare finance (home loans, education loans, housing funds, etc.). It is the largest member of Rokin Renraku + the representative of the 13 rokin nationwide (reflecting the population concentration + worker-household density of the Kanto area). With its distinctive “cooperative-organization type + worker-purpose-limited” model, it carries out a worker-welfare-segment specialization that is neither a bank (joint-stock type), a shinkin (for SMEs), nor a JA Bank (for farmers). ^•

1. License / organizational structure

Composition of the 13 labour banks ^•

Note: from 47 prefecture-by-prefecture rokin (47 行), through regional integration, to the current 13 行 structure ^•

Key chronology ^•

Main business lines ^•

ALM / fund flow ^•

Members (worker households + member labour unions, co-ops, NPOs)
  → deposits → Chuo Rokin
              → home loans, education loans, asset-formation savings, etc. for workers in the region
              → surplus-fund deposit → Rokin Renraku
                                  → institutional investment + system feedback
                                  → Chuo Rokin → dividends / service feedback to members

Scale (as of 2025-03 ) ^•

Note: Chuo Rokin does not disclose standalone “total assets” in its outline; it is a wide-area labour bank on a deposit basis of 6.9 兆円. For details, refer to the Chuo Rokin official outline / disclosure (https://chuo.rokin.com/aboutus/profile/). Note also that the standalone total assets of Rokinren (the central institution) are 8 兆 316 億円 (as of 2025-03 , central-institution statistics on a combined 13 -rokin basis).

Representativeness within the 13 rokin

• The largest member of Rokin Renraku, effectively leading the industry’s direction
• Committed to operating the system IT / R・ONE system, analogous to JASTEM (Rokinren shared infrastructure) ^•

Home-loan flagship model

• Chuo Rokin’s flagship product = home loans for workers
• Flat 35 + combined use of bank-type proprietary loans + special rates for workers
• A competitive structure with banks (megabanks / regional banks) + shinkin, but the preferential rates via member organizations provide differentiation

Digital strategy

• Rokin app: balance inquiry, transfers, home-loan balance management ^•
• R・ONE shared system: the 13 -rokin shared infrastructure via Rokinren ^•

4. KPI / soundness

Note: figures are from the Chuo Rokin official outline (as of 2025-03 ). Standalone total assets are not disclosed in the outline.

5. Supervision / regulation

• Jurisdiction: FSA / Kanto Local Finance Bureau (financial soundness) + Ministry of Health, Labour and Welfare (cooperative-organization supervision)
• Legal basis: Labour Bank Act (昭和 28 年 Act No. 第 227 号)
• Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution coverage (limit 1,000 万円 + interest)
• Recent policy issues:
  • Digital advancement of the Rokin app + R・ONE system
  • Home-loan rate strategy during the rate-normalization period
  • Development of new products for young workers amid declining birthrate and aging population
  • Strengthening of ESG investment / social finance (NPO group lending, etc.)

Related

• rokin-renraku — Rokinren (the higher central institution of this rokin)
• shinkin-central — Shinkin Central Bank (cooperative-organization finance comparison)
• zenshin-kumi — Zenshinkumiren (cooperative-organization finance comparison)
• norinchukin — Norinchukin Bank (cooperative-organization finance comparison)
• osaka-shogin-shinkumi — Osaka Shogin Shinkumi (shinkumi operating-company)
• kyoto-chuo-shinkin — Kyoto Chuo Shinkin (shinkin operating-company)
• osaka-shinkin — Osaka Shinkin (shinkin operating-company)
• yokohama-shinkin — Yokohama Shinkin (Kanto peer shinkin)
• yokohama-bank — Bank of Yokohama (Kanto regional-bank peer)
• dic — Deposit Insurance Corporation of Japan
• rokin-bank-registry-japan — labour-bank 13 -bank registry
• cooperative-banking-japan — cooperative-organization finance as a whole
• cooperative-banks INDEX

Sources

• 中央労働金庫 公式: https://chuo.rokin.com/
• 中央労働金庫 概要 (2025-03 末: 預金 6 兆 8,913 億円・貸出金 4 兆 7,609 億円・出資金 288 億円・自己資本比率 10.96%・店舗 130・団体会員 11,318・役職員 3,008 名): https://chuo.rokin.com/aboutus/profile/
• 労働金庫連合会 公式: https://www.rokinren.com/
• 労金連 主要経営指標の推移 (2025-03 末 13 労金合算/中央機関統計: 総資産 8 兆 316 億円): https://www.rokinren.com/keieishihyo-suii.html
• 金融庁 労働金庫免許一覧: https://www.fsa.go.jp/menkyo/menkyoj/rokin.xlsx
• 労働金庫法 (昭和 28 年法律第 227 号)
• 全国労働金庫協会 (全労済協会) 公開資料

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[!info] Confidence note confidence: likely. Based on the Chuo Rokin official outline (as of 2025-03 ) + Rokinren management indicators. Deposits 6.9 兆円, loans 4.8 兆円, branches 130, and capital adequacy ratio 10.96% are sourced from the official outline (confirmed figures). Standalone total assets are not quantified as they are not disclosed in the official outline; scale is described on a deposit basis. The 8 -rokin integration history ^• of 2001-04-01 is public information. This entry is positioned as the operating-company anchor of the largest of the 13 rokin, placed as a peer operating entry to Rokinren (cooperative-system central).