横浜銀リース (Yokohama Bank Leasing)

Wiki route

This entry sits under the leasing-firms INDEX as the FG-subsidiary leasing operating-company anchor for Yokohama Financial Group (formerly Concordia Financial Group). Read it against parent operating bank Bank of Yokohama and sibling subsidiary The Higashi-Nippon Bank. Peer comparison: Mebuki Lease (North Kanto regional-bank affiliated) and major lessor Mitsubishi Hc Capital / Mizuho Leasing / Tokyo Century. For broader system route see regional-bank consolidation pattern and banking index.

TL;DR

Yokohama Bank Leasing Co., Ltd. is a regional-bank-affiliated leasing company that is a consolidated subsidiary of Bank of Yokohama (now a subsidiary of Yokohama Financial Group (formerly Concordia Financial Group)), and provides equipment leasing, finance leasing, operating leasing, local-government leasing, medical leasing, etc., on a base of Kanagawa Prefecture / the metropolitan area. Among regional-bank-affiliated lessors it is of upper-tier scale, backed by the largest-class deposit customer base of a regional-bank FG in concordia-fg (former CFG, renamed 2025-10 ).

1. License / group boundary

Item	Notes
Legal name	株式会社横浜銀リース
English name	Yokohama Bank Leasing Co., Ltd. (Hamagin Lease)
Group boundary	yokohama-bank consolidated subsidiary → [[regional-banks/concordia-fg
Wiki role	Regional-bank FG leasing-subsidiary anchor (Kanagawa / metropolitan-area base)

2. Holding tree

[[regional-banks/concordia-fg|横浜フィナンシャルグループ (YFG, 旧 CFG)]] (holding company / TSE PRIME 7186)
  ├── [[regional-banks/yokohama-bank|横浜銀行]] (100%) ── Kanagawa Prefecture base / regional-bank No.1  class
  │     ├── Yokohama Bank Leasing (consolidated subsidiary, this page) ── upper-tier regional-bank-affiliated lessor
  │     ├── Hamagin Research Institute (think tank)
  │     └── Hamagin Finance (cards / credit guarantee)
  └── [[regional-banks/higashi-nippon-bank|東日本銀行]] (100%) ── Tokyo SME-focused / metropolitan-area regional bank

Establishment of Yokohama Bank Leasing

As a Bank of Yokohama-affiliated leasing company, its main business was equipment leasing for mid-sized companies within Kanagawa Prefecture
Backed by Yokohama Bank’s overwhelming in-prefecture No.1 share, its Kanagawa-prefecture share in the leasing business is also upper-tier
A typical postwar regional-bank-affiliated lessor: supporting SME capital investment in the form of equipment leasing rather than bank lending

CFG → YFG renaming (2025-10-01)

The parent holding company concordia-fg was established in 2016-04 by a joint share transfer of yokohama-bank + higashi-nippon-bank
2025-10-01: former Concordia FG → Yokohama Financial Group renaming
Yokohama Bank Leasing itself was unaffected by the renaming and continues to operate as a consolidated subsidiary of yokohama-bank

4. KPI table (qualitative — no standalone subsidiary financials disclosed)

Note: Yokohama Bank Leasing is an unlisted / consolidated subsidiary, and Yokohama Financial Group IR does not separately disclose its standalone total assets / lease-asset balance / operating revenue (confirmed on the FG IR site). The following is a qualitative organization based on the official site and does not record precise standalone financial figures.

Item	Overview
Main business area	Kanagawa Prefecture / metropolitan area (concordia-fg base)
Business domain	Equipment leasing, finance leasing, operating leasing, local-government leasing, medical leasing
Bank-lease coordination	yokohama-bank / higashi-nippon-bank customer referral + joint proposal
Main customer segment	Mid-sized companies within Kanagawa Prefecture + metropolitan-area SMEs + local governments
Parent company	yokohama-bank consolidated subsidiary (concordia-fg group)
Regional-bank-affiliated lessor ranking	One of the upper tier (alongside Hokkaido Lease / Chiba Kogyo Lease, etc.)

Note: The standalone financial KPIs of Yokohama Bank Leasing are not separately disclosed and can only be grasped through the group-consolidated disclosure of concordia-fg (Yokohama FG). For precise subsidiary-level figures, make a primary confirmation against the parent company’s securities report.

5. Business segment map

Segment	Characteristics
Finance leasing	Equipment leasing of machinery / vehicles / OA equipment / communication equipment (for small to mid-sized companies)
Operating leasing	Short-term leasing of used equipment / re-leasable equipment
Vendor leasing	Tie-up leasing with manufacturers / dealers (sales support)
Local-government leasing	Official-vehicle / equipment leasing for Kanagawa Prefecture / municipalities
Medical leasing	Medical-equipment leasing for hospitals / clinics (including university hospitals within Kanagawa Prefecture)
Industrial-equipment leasing	Manufacturing-equipment leasing in the Keihin industrial belt / bay area

Position within the FG

Core of bank-lease coordination: undertakes the leasing demand of mid-sized main-bank customers within Kanagawa Prefecture of yokohama-bank
Capital-investment support: complements bank lending + responds to off-balance-sheet processing needs
Coordination with in-prefecture local governments / public sector: local-government leasing deals for Kanagawa Prefecture / Yokohama City / Kawasaki City, etc.
Leasing expansion of the Yokohama Bank brand: consistency with the YFG “Yokohama” brand revival (2025-10)

Competitive landscape

Major lessors: Mitsubishi Hc Capital / SMFL / Mizuho Leasing / Fuyo General Lease / Tokyo Century / Ricoh Leasing - advantage in large / nationwide / complex deals
Regional-bank-affiliated lessors: Mebuki Lease (North Kanto) / Hokkaido Lease / Chiba Kogyo Lease, etc. - same-type model
Manufacturer-affiliated lessors: Toyota Finance / Nec Leasing - product-linked
In-prefecture competitors: Yokohama Bank-affiliated / shinkin leasing within Kanagawa Prefecture / major-lessor branches

Strengths and weaknesses

Strength: a mid-sized main-bank network with deposits over 15 兆円 (standalone) at yokohama-bank + metropolitan-area GDP scale + No.1 recognition within Kanagawa Prefecture

7. Regulation / policy

Supervising authority: FSA (the leasing business alone does not require a banking license; money-lending registration depends on the areas handled)
Regulatory points:
- Support for handling lease accounting standard changes (IFRS16 / Japanese standards)
- Use of leasing tax systems for SMEs (SME investment-promotion tax system)
- Decarbonization tax-system response for environmental leasing (renewable-energy equipment leasing)
- Anti-social-forces checks / anti-money-laundering measures (jointly conducted with the concordia-fg group, consistent with the internal-control strengthening after the 2018-08 Higashi-Nippon Bank business-improvement order)

concordia-fg · yokohama-bank · higashi-nippon-bank
mitsubishi-hc-capital · smfl · mizuho-lease · fuyo-lease · tokyo-century · ricoh-leasing · hokkaido-lease · mebuki-lease
ja-mitsui-leasing · nec-leasing · showa-leasing
regional-bank-consolidation-pattern · INDEX
leasing-firms INDEX

Sources

Yokohama Bank Leasing official site (https://www.hamagin-lease.co.jp/)
Yokohama Financial Group official IR (https://www.yokohamafg.co.jp/)
Yokohama Bank official site (https://www.boy.co.jp/)
Regional Banks Association of Japan (https://www.chiginkyo.or.jp/, coordinating-company information)
Wikipedia: Yokohama Bank Leasing / Yokohama Financial Group / Yokohama Bank (extracted 2026-05-24)

[!info] Verification status confidence: likely (FG leasing-subsidiary anchor created 2026-05-24). The concordia-fg page = holding-company strategy (including the 2025-10 YFG renaming) is handled there, and this page handles the leasing-subsidiary operating boundary. Because Yokohama Bank Leasing is an unlisted consolidated subsidiary, its standalone financial KPIs are not separately disclosed; precise figures require a primary confirmation against the parent concordia-fg securities report (it has been confirmed that Yokohama FG IR has no standalone disclosure).