📋 Tokyo Star Bank Company ProfileThe

following is a comprehensive analysis of Tokyo Star Bank, based on public information, covering the company's basic information, classification, services, supervision, business, technology, compliance, market positioning, social responsibility, cooperation, financial status and future development roadmap. The content is objective, detailed, and strictly based on facts, and does not contain speculative or fictitious information.

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The

full name and abbreviation of the basic information
Full name: The Tokyo Star Bank, Limited (蝱社東京スター銀行, Kabushiki-gaisha Tokyo Star Ginkō)
Abbreviation: The name of the

parent company of Tokyo Star Bank
Parent company: CTBC Financial Holding Co., Ltd. (Taiwan China Trust Financial Holding Co., Ltd.), which has been its sole shareholder since its wholly-owned acquisition of Tokyo Star Bank in 2014.
Subsidiaries: Tokyo Star Bank operates primarily as an independent entity with a focus on the Japanese market without explicit public information on its subsidiaries.

Founded on
June 11, 2001, it was formerly known as Tokyo Shokusan Mujin (Tokyo Shokusan Mujin Association), which was established in 1949 and later changed its name to Tokyo Sowa Bank, which was reorganized by Lone Star Funds into Tokyo Star Bank due to bankruptcy in 1999.

Registered Country:

2-3-5
Akasaka, Minato-ku, Tokyo 107-8480, Japan

active and continues to operate as a registered bank in Japan, providing retail and corporate financial services. It currently has 31 branches and more than 2,300 ATM points.

BackgroundTokyo
Star Bank originated as a mutual loan institution in Japan's post-war financial system and was established in 1949 as Tokyo Shokusan Mujin. After the collapse of Japan's bubble economy in 1992, its predecessor, Tokyo Sowa Bank, deteriorated and went bankrupt in 1999. In 2001, Lone Star Funds, an American private equity firm, acquired and reorganized into Tokyo Star Bank, introducing modern management. In 2008, Advantage Partners, a local buyout company, acquired a majority stake. In 2014, Taiwan's CTBC Financial Holding became the first Japanese bank to be wholly owned by a foreign financial institution. With a focus on retail and cross-border business, the bank serves individuals and small and medium-sized enterprises, and in recent years has expanded into overseas markets such as Hawaii.

Registered capitalAccording
to Japanese law, the registered capital information of banks is managed by the Ministry of Economy, Trade and Industry (METI) of Japan, and the specific amount is not disclosed in public information, but as a registered bank, it needs to meet the minimum capital requirements of the Financial Services Agency (FSA) of Japan, which is usually more than 2 billion yen.

Key Executive Background

Takeshi Ito: Representative Executive Officer and President, responsible for the bank's overall strategy, emphasizing cross-border business and Asian market expansion, and driving the partnership with Central Pacific Bank in Hawaii.
Todd Budge: Director and President (the first foreign Japanese bank president) from 2002 to 2003, introducing innovative management and driving the expansion of the ATM network.
Other executives include vice presidents and senior vice presidents of information technology planning, hotel financing and strategic planning, whose names are not publicly available, but many have financial or information technology backgrounds.

The advisory team
did not have clear and publicly available information about the external advisory team, and the bank mainly relied on the strategic support of the internal management team and its parent company, CTBC.

Corporate StructureTokyo
Star Bank adopts a standard banking structure with retail banking, corporate banking, investment banking and asset management divisions, headquartered in Tokyo, operating 31 branches covering major cities in Japan. The Information Technology, Compliance & Risk Management department reports directly to the President's Office, with an emphasis on digitalization and cross-border operations.

The shareholding structure
is 100% held by CTBC Financial Holding Co., Ltd., with no other shareholders and a single shareholding structure.

Kabushiki Kaisha Co., Ltd. is a joint-stock company under Japanese law, similar to a company limited by shares in Western countries, and is a private commercial bank.

🏦 Company Classification

: Tokyo Star Bank is a regional commercial bank with a focus on retail and SME financial services with cross-border capabilities.

Industry classification: financial services (SIC Code: 6022, NAICS Code: 522110)
Business type: commercial bank, providing deposits, loans, credit cards, asset management and foreign exchange services.

📊 Market Segments

: Tokyo Star Bank is positioned in the Japanese retail banking market and serves customers with cross-border needs.

main markets: domestic retail customers, small and medium-sized enterprises, and customers with investment needs in Asia (especially Taiwan) or Hawaii.
Market size: The retail banking market in Japan is highly competitive, with Tokyo Star Bank occupying the small and medium-sized market share with 31 branches and more than 2,300 ATMs, with a focus on serving urban customers.
Clientele: Individuals (including foreign residents), sole proprietorships, small and medium-sized enterprises, and Japanese companies seeking overseas investment.

💼 Service

Tokyo Star Bank provides a wide range of financial services covering the needs of retail and corporate customers.

retail banks: regular savings accounts, fixed-term deposits, foreign currency deposits, credit cards, and non-recourse loans (e.g. mortgages).
Corporate Banking: SME loans, real estate financing, shipping and environmental protection industry loans, cross-border business support.
Investment Banking: Asset management, investment advisory, with a focus on supporting investment opportunities in Asia and Hawaii.
Featured services: Provide English services for foreign customers, support for non-resident account opening and cross-border investment (such as Hawaii real estate).

🛡️ Regulatory information

Tokyo Star Bank is strictly regulated by the Financial Services Agency (FSA) and is subject to the Bank of Japan Act and related financial regulations.

Regulatory License No.: 0006 (Financial Services Agency of Japan Registered Bank Number)
Regulatory Authority: Financial Services Agency of Japan (FSA)
Regulatory Effective Date: June 11, 2001 (licensed at the time of incorporation)
Compliance requirements: capital adequacy ratio (minimum 8%), anti-money laundering (AML) and customer identity verification (KYC) requirements, financial reports to be submitted to the FSA on an annual basis.

📈 Trading product

: Tokyo Star Bank offers a wide range of financial products to meet your deposit, loan and investment needs.

deposit products: regular savings accounts, fixed term deposits, foreign currency deposits (USD, EUR, etc.).
Loan products: personal mortgage loans, non-recourse loans, special loans for medical and environmental protection industries, and business loans for small and medium-sized enterprises.
Other products: credit cards, letters of credit, foreign exchange transactions, asset management services.

💻 trading software

Tokyo Star Bank provides modern digital banking services to support customers online.

Online Banking: Account management, fund transfer, deposit inquiry, and loan application services are available through the official website (tokyostarbank.co.jp) in Japanese and English.
Mobile App: A mobile banking app with features including balance inquiry, bill payment and real-time notifications for iOS and Android.
ATM network: Private label ATMs share the network with 64 regional banks, and customers can use more than 2,300 ATM points free of charge.

💳 Deposit and withdrawal methods

: Tokyo Star Bank offers flexible deposit and withdrawal channels with a focus on convenience.

deposit methods: over-the-counter deposits, ATM deposits, bank transfers, online banking and mobile app transfers.
Withdrawal methods: ATM withdrawals (owned and shared network), over-the-counter withdrawals, online transfers to other accounts.
Features: Customers can use ATMs for unlimited times for free without paying fees, which is better than traditional banks.

📞 Customer Support

Tokyo With a focus on customer experience, Star Bank offers multilingual support.

support channels: telephone, email, online consultation on the official website, face-to-face service at the branch.
Language: Japanese, English, some services support Chinese, suitable for foreign customers.
Business hours:9:00-17:00 on weekdays, ATM service around the clock.
Features: Provide specialized financial advice to foreign clients, such as account opening and cross-border investment guidance.

🏛️ Core business and services

Tokyo Star Bank's core business revolves around retail banking and cross-border financial services, combined with the resources of its parent company, CTBC, to enhance its competitiveness in the Asian market.

retail banking: Offering deposits, loans and credit card services, emphasizing the digital experience, replacing traditional passbooks with monthly mailing statements and online inquiries.
Cross-border business: Supporting Japanese companies to expand into Asian markets (such as Taiwan) and Asian customers to invest in Japan, and entering the Hawaii market since 2019 to provide real estate financing and account services.
SME Financing: Focus on non-recourse loans and industry-specific loans (such as medical and environmental protection) to meet the capital needs of small and medium-sized enterprises.

🖥️ Technical infrastructure

Tokyo Star Bank continues to invest in technology to strengthen digitalization and operational efficiency.

core system: Partnered with NEC to maintain the bank's core system (BW21) to support efficient transaction processing.
Front-end technology: The official website is based on HTML, ASP.NET and Bootstrap framework, providing responsive design; The backend uses Amazon API Gateway to ensure data security.
ATM network: In cooperation with Fujitsu, we have expanded our own brand ATMs since 2004 to cover major cities across the country.
Cybersecurity: Follow the FSA's cybersecurity guidelines and use multi-layer encryption and authentication technologies.

⚖️ Compliance and risk control system

Tokyo Star Bank has established a comprehensive compliance and risk management system to respond to financial market challenges.

compliance system: Strictly comply with the FSA's AML, KYC and counter-terrorism financing regulations, and accept regular regulatory audits.
Risk Management: In accordance with the Risk Management Policy, credit risk, market risk, liquidity risk and operational risk (including systemic, reputational and legal risks) are covered.
Internal control: Establishment of an independent audit committee to oversee financial reporting and senior management responsibilities; Document management follows the "Document Management Rules" to ensure information security.

🌍 Market positioning and competitive advantage

Tokyo Star Bank is uniquely positioned in the Japanese retail banking market and stands out by the following advantages:

positioning: small and medium-sized regional bank, focusing on retail customers and cross-border business, serving urban residents and foreign customers.
Competitive advantage:
- free ATM service to reduce customer costs.
- English and multi-language support to attract foreign customers.
- Parent company CTBC's Asian network strengthens cross-border business capabilities.
- A digital banking experience that replaces traditional passbooks and improves efficiency.

🤝 Customer support and enablement

Tokyo Star Bank empowers customers with personalized services and enhances financial inclusion.

Foreign Customer Support: English and Chinese services are available to assist non-residents in opening accounts and investing overseas (e.g. Hawaiian real estate).
Empowerment of small and medium-sized enterprises: Supporting the development of individual industrial and commercial households and small and medium-sized enterprises through flexible loan products.
Educational resources: The website provides financial literacy guides to help customers understand deposits, loans, and investment products.

🌱 Social Responsibility and ESG

Tokyo Star Bank actively fulfills its social responsibilities and integrates ESG (Environmental, Social, Governance) concepts.

environment: Provide special loans for the environmental protection industry to support the development of green economy.
Social: Participate in community activities and revitalize local culture through the Kagin Cultural Foundation; Partnered with Central Pacific Bank to promote Japan-Hawaii economic exchanges.
Governance: Transparent corporate governance, with regular reporting to the FSA to ensure compliance.

🤲 Strategic cooperation ecosystem

Tokyo Star Bank expands its market presence through strategic partnerships.

Central Pacific Bank: Signed a Memorandum of Understanding (MoU) in 2023 to jointly serve customers in Japan and Hawaii by providing account opening and investment support.
NEC: Technology partner to maintain the core banking system and ATM network.
Regional Bank Alliance: Shared ATM network with 64 regional banks in Japan to improve service coverage.
CTBC Financial Holding: The parent company provides strategic and resource support to enhance competitiveness in the Asian market.

💰 Financial health

Tokyo Star Bank's financial figures reflect solid operations (based on publicly available information in 2023).

deposit balance: 3,447.5 billion yen, up 153.9 billion yen year-on-year.
Loan balance: 2,682.4 billion yen, up 243.3 billion yen year-on-year.
Securities balance: 1,180.4 billion yen, up 31.1 billion yen year-on-year.
Capital adequacy ratio: 11.89% (non-consolidated, domestic standard), in line with FSA requirements, but down 1% from the previous year.
Credit rating: The Japan Credit Rating Agency (JCR) and Rating and Investment Information (R&I) have a stable rating, and the specific rating is not disclosed.

🚀 Future roadmap

Tokyo Star Bank's future development focuses on digitalization, cross-border business and market expansion.

Digital transformation: Continuously upgrade online banking and mobile applications to enhance customer experience.
Cross-border expansion: Deepen cooperation with Hawaii and Asian markets to serve more cross-border customers.
SME support: Expand non-recourse loans and industry-specific loans to help SMEs grow.
Technology investment: Cooperate with partners such as NEC to optimize core systems and ATM networks to enhance technology competitiveness.
ESG deepening: Increasing green financial products to promote sustainable development.