中央労働金庫 (Chuo Rokin / Central Labour Bank)
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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
| Item | Detail |
|---|---|
| Formal name | 中央労働金庫 |
| Common name | 中央ろうきん / 中央労金 |
| English name | Chuo Rokin Bank / Central Labour Bank |
| Financial-institution code | 2960 |
| Governing law | Labour Bank Act |
| Established | 2001 年 4 月 1 日 (by integration of 8 rokin across 1 metropolises and 7 prefectures) |
| Operating area | Tokyo, Kanagawa, Saitama, Chiba, Ibaraki, Tochigi, Gunma, Yamanashi (1 metropolises and 7 prefectures) |
| System | [[cooperative-banks/rokin-renraku |
| Supervisory authority | FSA / Kanto Local Finance Bureau + Ministry of Health, Labour and Welfare (cooperative-organization side) |
| Wiki role | largest of the 13 rokin, Kanto wide-area operating-company anchor |
Composition of the 13 labour banks
| Region | Rokin name | Operating area |
|---|---|---|
| Hokkaido | Hokkaido Labour Bank | Hokkaido |
| Tohoku | Tohoku Labour Bank | Aomori, Iwate, Miyagi, Akita, Yamagata, Fukushima |
| Kanto (this page) | Chuo Rokin | Tokyo, Kanagawa, Saitama, Chiba, Ibaraki, Tochigi, Gunma, Yamanashi |
| Niigata | Niigata Prefecture Labour Bank | Niigata |
| Nagano | Nagano Prefecture Labour Bank | Nagano |
| Shizuoka | Shizuoka Prefecture Labour Bank | Shizuoka |
| Hokuriku | Hokuriku Labour Bank | Toyama, Ishikawa, Fukui |
| Tokai | Tokai Labour Bank | Aichi, Gifu, Mie |
| Kinki | Kinki Labour Bank | Shiga, Kyoto, Osaka, Hyogo, Nara, Wakayama |
| Chugoku | Chugoku Labour Bank | Tottori, Shimane, Okayama, Hiroshima, Yamaguchi |
| Shikoku | Shikoku Labour Bank | Tokushima, Kagawa, Ehime, Kochi |
| Kyushu | Kyushu Labour Bank | Fukuoka, Saga, Nagasaki, Kumamoto, Oita, Miyazaki, Kagoshima |
| Okinawa | Okinawa Prefecture Labour Bank | Okinawa |
Note: from 47 prefecture-by-prefecture rokin (47 行), through regional integration, to the current 13 行 structure
Key chronology
| Year | Event |
|---|---|
| 1950 | Hyogo Prefecture Labour Bank established (the 第 1 号domestic rokin) |
| 1953 | Labour Bank Act enacted |
| 1955 | Rokinren ([[cooperative-banks/rokin-renraku |
| 1950〜60 s | 47 prefecture-by-prefecture rokin structure |
| 1990 年s | Discussion of operational efficiency / regional integration begins |
| 2001-04-01 | Chuo Rokin (中央ろうきん) established through integration of 8 rokin — Tokyo Rokin + Kanagawa Rokin + Saitama Rokin + Chiba Rokin + Ibaraki Rokin + Tochigi Rokin + Gunma Rokin + Yamanashi Rokin |
| 2000 年s | Nationwide regional integration proceeds; transition from the 47 to the 13 行 structure completed |
| 2010 年s | Rokin app / digitalization promotion |
| 2020〜 | Emergency lending / special measures for workers during the COVID pandemic |
| 2024〜 | System DX + strengthening of ESG investment / social finance |
Main business lines
| Business | Detail | Industry counterpart |
|---|---|---|
| Individual deposits | Liquidity / time deposits of worker households | Same type as banks / shinkin |
| Home loans | Home-acquisition funds for workers (flagship product) | Handles Flat 35 , etc. |
| Education loans | University admission / education costs | Flagship |
| Auto loans | Car-purchase funds | Flagship |
| Purpose-specific loans | Marriage, ceremonial occasions, medical | Worker-welfare-specialized |
| Asset-formation savings (財形) | Payroll-deduction type / housing asset-formation | Worker-exclusive product |
| Group transactions | Settlement accounts for labour unions, co-ops, NPOs | Member-organization-exclusive |
| JGB / 投信 over-the-counter sales | Via the system (via Rokinren) | Limited |
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 → [[cooperative-banks/rokin-renraku|労働金庫連合会]]
→ institutional investment + system feedback
→ Chuo Rokin → dividends / service feedback to membersScale (as of 2025-03 )
| Indicator | Value | Notes |
|---|---|---|
| Deposit balance | 6 兆 8,913 億円 | largest of the 13 rokin (Chuo Rokin outline, 2025-03 ) |
| Loans | 4 兆 7,609 億円 | centered on home loans (ibid.) |
| Capital contributions | 288 億円 | group members 11,318 members (ibid.) |
| Number of branches | 130 店 branches | 1 -metropolis 7 -prefecture wide area (ibid.) |
| Capital adequacy ratio | 10.96% | (ibid.) |
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
| Indicator | Value (as of 2025-03 ) | Comparison |
|---|---|---|
| Deposits | 6 兆 8,913 億円 | largest of the 13 rokin |
| Loans | 4 兆 7,609 億円 | centered on home loans |
| Capital contributions | 288 億円 | - |
| Capital adequacy ratio | 10.96% | on par with major shinkin + regional banks |
| Number of branches | 130 店 branches | 1 -metropolis 7 -prefecture wide area |
| Number of full-time officers and employees | 3,008 名 | - |
| Number of group members | 11,318 members | approximately 422 万 indirect constituents |
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
[!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).