au じぶん銀行 (au Jibun Bank)

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This entry sits under regional-banks INDEX. Read it against Sony Bank / ORIX Bank / Rakuten Bank for peer internet-bank context, au Financial Holdings for the current direct-shareholder boundary, and banking index for the broader system and regulatory boundary.

TL;DR

The official company profile identifies au Jibun Bank Corporation as a 100%-owned subsidiary of au Financial Holdings. It began as Jibun Bank, established in 2008-06 as a 50:50 joint investment by KDDI and MUFG Bank, then became a consolidated KDDI subsidiary and adopted its current name in 2020-02. After the 2026-03-30 third-party allotment, capital is JPY 119 billion; the official profile reports 650 employees as of 2026-04-01. The bank focuses on smartphone distribution, the au ecosystem, mortgages, card loans, foreign-currency deposits, FX, and investment trusts.

1. Corporation / shareholders

• Trade name: auじぶん銀行株式会社 (English: au Jibun Bank Corporation)
• Established: 2008 年 6 月 17 日 (former “Jibun Bank”)
• Operations began: 2008 年 7 月 17 日
• Trade-name change: 2020 年 2 月 renamed “au Jibun Bank” (accompanying its becoming a consolidated subsidiary of KDDI)
• Head office: Nihonbashi Dia Building 14F, 1-19-1 Nihonbashi, Chuo-ku, Tokyo 103-0027
• Capital: JPY 119 billion (after the 2026-03-30 allotment)
• Main shareholder: au Financial Holdings 100% (official profile as of 2026-07-01)
• Representative: President and Representative Director Kenji Tanaka
• Employees: 650 (as of 2026-04-01)

2. License / regulatory boundary

• Ordinary bank: ordinary bank license under the Banking Act (license from the Director-General of the Kanto Local Finance Bureau)
• Industry group membership:
  • Japanese Bankers Association
  • Not a member of the Regional Banks Association of Japan (internet bank category)
  • Member of the Deposit Insurance Corporation (deposit-insurance-eligible 1,000 万円 + interest)
• Registered financial institution: registered financial institution under the Director-General of the Kanto Local Finance Bureau, based on investment-trust sales and FX handling
• Funds-transfer business / electronic money: the au PAY linkage portion is handled by separate corporations such as the KDDI subsidiary KDDI Financial Service

3. Business segments

The following table is scoped to public primary sources (jibunbank.co.jp, fsa.go.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

4. Parent company / group relationships

• Current direct shareholder: au Financial Holdings 100%. The official company profile and the post-allotment shareholder table in the 2026-03-24 release agree.
• Historical joint investment: KDDI and MUFG Bank each held 50% at establishment in 2008; the bank became a KDDI consolidated subsidiary in 2020-02. Do not confuse that history with the current 100% shareholder disclosure.
• Background to the renaming from Jibun Bank to “au Jibun Bank”: the 2020 年 renaming was intended to unify the KDDI brand and integrate au economic-zone marketing
• Linkage with au kabu.com Securities: through financial-instruments intermediation and account linkage, it provides an integrated bank / securities account experience within the KDDI economic zone

5. Competition / industry position

The following table is scoped to public primary sources (jibunbank.co.jp, fsa.go.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

6. Strategy / recent developments

• Core of the au economic-zone strategy: KDDI’s cross-sell model within the economic zone of “au PAY × Ponta × au Jibun Bank × au kabu.com”
• Strengthening mortgages: using low interest rates as a weapon, it has entered the inter-internet-bank mortgage competition and is a major player in variable-rate mortgages
• APIs / open-API support: open-API connectivity under the revised Banking Act (linkage with fintech such as household-budgeting apps)
• Ownership-period distinction: the KDDI / MUFG joint investment is historical context; the current direct shareholder is recorded as au FH 100%
• New NISA support: in 2024-01 , it expanded its investment-trust lineup accompanying the start of the new NISA

7. Key KPIs (overview)

The following table is scoped to public primary sources (jibunbank.co.jp, fsa.go.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

For details, refer to the respective IR materials and securities reports of KDDI / MUFG and the bank disclosure magazine.

8. Risk / regulatory issues

• Bank governance of a telecom company’s consolidated subsidiary: an ongoing issue under the Banking Act, the Antimonopoly Act, and the separation of industry and finance (FSA’s view) regarding the model in which a telecom operator controls a bank
• Resilience to rising interest rates: ALM / margin management under a rising-interest-rate scenario after the phase of mortgage-balance expansion
• Cyber / system resilience: the risk that, being internet-only, a system failure directly spills over to customer touchpoints
• AML / FATF compliance: ongoing requirements for suspicious-transaction reporting and strengthened KYC
• In-bank use of personal information / telecom data: an issue under the Act on the Protection of Personal Information regarding the scope of in-bank use of KDDI telecom-contract data

Related

• au Financial Holdings — current 100% direct shareholder
• MUFG Bank — joint-investment bank at establishment
• Rakuten Bank — economic-zone-type internet bank peer
• Sony Bank — internet bank peer
• SBI Sumishin Net Bank → Docomo SMTB Net Bank — internet bank peer
• PayPay Bank (PayPay Bank) — telecom-affiliated internet bank peer
• ORIX Bank — independent internet bank peer
• regional-banks INDEX
• Banking domain index

Sources

• au Jibun Bank official company profile (JPY 119 billion capital, au FH 100%, 650 employees): https://www.jibunbank.co.jp/corporate/outline/
• au Jibun Bank official history: https://www.jibunbank.co.jp/corporate/history/
• au Jibun Bank, “Notice Regarding Third-Party Allotment” (2026-03-24; post-allotment capital JPY 119 billion / au FH 100%): https://www.jibunbank.co.jp/corporate/news/2026/pdf/news_20260324_01.pdf
• FSA, licensed / registered banks: https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx