Kyoto Shinkin Bank

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This entry sits under cooperative-banks INDEX. Read it against Kyoto Chuo Shinkin Bank for peer / contrast context inside the Kyoto shinkin block (the two are the dual leading shinkin banks based in Kyoto) and against Japan shinkin bank registry for the broader system / regulatory boundary maintained by Shinkin Central.

TL;DR

Kyoto Shinkin Bank (brand name: Community Bank Kyoshin) is a credit union with its head office located in Shimogyo Ward, Kyoto City, Kyoto Prefecture, and its base in the official business district of Kyoto Prefecture and adjacent areas. Founded in 1923, a cooperative financial institution in Kyoto whose core businesses include loans for small and medium-sized businesses, local community finance, housing loans, and personal deposits.

1. License / group boundary

Sources: For official name, corporate number, location of head office, and presence on the license list, check the Financial Services Agency list, and information on founding, brand, business area, and stores on the official website of Kyoto Shinkin Bank. The previous version’s approximate number of stores on non-base date has been withdrawn. ^[Sources: https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx; https://www.kyoto-shinkin.co.jp/.]

2. Operating model

Kyoto Shinkin Bank’s core businesses are SME lending, working capital, equipment finance, housing loans, and individual deposits for SMEs in Kyoto City and Kyoto Prefecture (traditional industries, manufacturing, wholesale, retail, services, tourism-related SMEs, and sole proprietors). In Kyoto’s regional financial market, it runs in a three-way race alongside the joint-stock regional bank Bank of Kyoto (under Kyoto Financial Group) and Kyoto Chuo Shinkin Bank, the other major player on the cooperative-organization side. Espousing the “community bank” concept, it adopts a management model that puts community-rooted relationship banking and support for small and medium-sized businesses front and center.

3. Why this page matters

• Operating-company entry for a cooperative-organization-side key player in Kyoto regional finance (one of Kyoto’s two leading shinkin banks).
• Anchor for the Kyoto-market division of roles with Bank of Kyoto / Kyoto Chuo Shinkin Bank (joint-stock regional banks vs. the two leading cooperative-organization shinkin banks).
• A case of a relationship-banking-style shinkin management model under the “Community Bank Kyoshin” brand.

Related

• cooperative-banks INDEX
• Shinkin Central
• Kyoto Chuo Shinkin Bank
• Bank of Kyoto
• Kyoto Financial Group
• Osaka Shinkin Bank (other-prefecture Kansai city-anchor peer)
• Japan shinkin bank registry
• Cooperative banking in Japan
• banking index

Sources

• FSA: shinkin license list (latest snapshot per FSA registry): https://www.fsa.go.jp/menkyo/menkyoj/shinkin.xlsx
• Kyoto Shinkin Bank (Community Bank Kyoshin) official site: https://www.kyoto-shinkin.co.jp/
• Shinkin Central Bank cooperative system context: https://www.shinkin-central-bank.jp/