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Kyoto Shinkin Bank

Confidence: Likely Updated 2026-06-03 Review by 2026-12-03 Sources 4 Machine-translated Original (JA)
#JapanFG#shinkin#cooperative-banking#kyoto#kansai#operating-company
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Wiki route

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 (Kyoshin, brand name “Community Bank Kyoshin”) is a major shinkin bank headquartered in Shimogyo-ku, Kyoto City, Kyoto Prefecture, whose main operating base is Kyoto Prefecture and adjacent areas. Founded in 1923 年, it is, among Kyoto’s regional financial institutions, the next in scale after Bank of Kyoto and Kyoto Chuo Shinkin Bank, but older than both in history. It is a cooperative financial institution centered on SME lending in Kyoto, regional community finance, housing loans, and individual deposits.

1. License / group boundary

ItemNotes
Legal nameKyoto Shinkin Bank
Establishment1923 年 (founded as a credit cooperative, later reorganized into a shinkin bank)
Brand nameCommunity Bank Kyoshin (established 2023 年)
License routeShinkin Bank Act / FSA shinkin license list
Group boundaryMember of [[cooperative-banks/shinkin-central
Home marketKyoto Prefecture + adjacent areas (branch network exceeding 90 locations)
Wiki roleKyoto/Kansai major shinkin operating-company anchor page
Supervisory bureauKinki Local Finance Bureau

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.

Sources