name and
backgroundFull name of the bank: The Bank of Kyoto , Ltd
Founded: Kyoto Bank was established on October 1, 1941. It was formed by the merger of a number of local banks in Kyoto Prefecture with the aim of consolidating financial resources to better serve the needs of local economic development and people's livelihood.
Headquarters Location: 577, Kamiyayacho, Karasuma-dori Matsubara, Shimogyo Ward, Kyoto City, Kyoto Prefecture
, JapanShareholder Background: Kyoto Bank is a public company, and its shares are traded on the Tokyo Stock Exchange in Japan (stock code: 8369). Its shareholder structure is fragmented, consisting mainly of institutional investors and individual investors. As a local commercial bank, it is not a state-owned bank and does not have a single private enterprise holding.
Scope of
servicesKyoto Bank's services are mainly concentrated in the Kansai region of Japan, especially in Kyoto Prefecture.
Coverage area: Kyoto Bank mainly serves the Kansai region of Japan, especially Kyoto Prefecture, and its business scope radiates to Osaka Prefecture, Shiga Prefecture, Nara Prefecture, Hyogo Prefecture, Aichi Prefecture (Nagoya) and parts of Tokyo. Its core business market is in Japan.
Number of offline outlets: Kyoto Bank has an extensive network of offline outlets, mainly located in Kyoto Prefecture and the surrounding Kansai region. Up to now, it has more than 150 branches in Japan, including head offices, branches, sub-branches, etc., which shows its strong offline service capabilities as a regional bank.
ATM distribution: As a bank based on traditional retail banks, Kyoto Bank has a large number of ATMs in various branches, convenience stores, shopping malls, etc., which are convenient for customers to conduct daily financial transactions such as deposits and withdrawals, transfers, and inquiries. Its ATM network covers its main service areas, providing customers with convenient self-service.
services and productsKyoto
Bank provides a comprehensive variety of financial services and products to meet the diverse needs of individuals, corporations and local public organizations, with a special focus on deep integration with the local economy.
For individual customers:
deposit services: Provide a variety of deposit products such as ordinary deposits, time deposits, savings deposits, etc., to meet the different liquidity and income needs of customers.
Loan services: including personal housing loans, car loans, education loans, decoration loans, consumer loans, etc., to provide financial support for customers' house purchase, car purchase, children's education and daily life.
Investment and wealth management: Provide a variety of investment products such as stocks, bonds, investment trusts, foreign exchange, NISA (Japan Personal Savings Account), and equipped with professional financial advisors to help customers with asset allocation and wealth appreciation.
Insurance services: Acting as an agent for the sale of various types of life insurance (such as endowment insurance, medical insurance) and property insurance and other products to provide customers with risk protection.
Payment and settlement: Provide bank cards (debit cards, credit cards), electronic payment services, automatic transfers, bill settlement, etc., to facilitate customers' daily payment and fund management.
Pension Services: Provision of personal pension accounts (iDeCo) and related advisory services.
For corporate customers:
corporate deposits: Provide current deposits, time deposits and other corporate deposit products to meet the needs of corporate capital management.
Enterprise loans: including short-term working capital loans, medium and long-term equipment investment loans, real estate development loans, project financing, etc., to support the production and operation of enterprises, expand investment and innovate development.
Trade Finance: Provide international trade settlement and financing services such as letters of credit, collections, and letters of guarantee, and support the international business transactions of enterprises.
Cash management: Provide account management, fund collection, capital pool services, payroll issuance, bill settlement and other services to help enterprises optimize cash flow management and improve the efficiency of capital use.
Investment banking services: including M&A advisory, equity financing, bond issuance and other services to support corporate capital operation and strategic transformation.
Foreign exchange services: Provide foreign exchange exchange, foreign exchange hedging and other services to meet the exchange and risk management needs of enterprises' international business.
Small and Micro Enterprise Finance: Provide customized financing and consulting services for local SMEs and start-ups, including start-up support, business improvement loans, etc., and actively support local economic development.
Business succession consulting: Provide professional succession plan consulting services for succession issues faced by family enterprises.
Regulation &
ComplianceKyoto Bank, as a financial institution in Japan, is subject to strict financial regulation.
Regulated: Kyoto Bank is primarily regulated by the Financial Services Agency (FSA) of Japan. The Financial Services Agency of Japan is the highest regulatory body of Japan's financial system, responsible for the supervision of banking, securities, insurance and other industries, and ensuring the stability, order, and transparency of the financial market. In addition, the Bank of Japan (central bank) also supervises macroprudential and day-to-day operations.
Deposit Insurance Scheme: Yes. Kyoto Bank is a member of the Deposit Insurance Corporation of Japan (DICJ). Under Japan's deposit insurance system, deposits of individuals and businesses are protected within a certain limit, and depositors are paid even if there is a problem with the bank's operation, which greatly enhances the confidence of depositors and the stability of the banking system.
Recent Compliance Record: Kyoto Bank is committed to complying with all applicable laws and regulations, industry norms, and regulatory requirements. As a publicly traded company and a highly regulated bank, it regularly submits reports to regulators and undergoes routine inspections. In public information, Bank of Kyoto maintains a good compliance record and has not publicly disclosed any material violations.
Digital Service
ExperienceKyoto Bank actively promotes digital transformation and is committed to improving customers' online service experience to adapt to the trend of modern financial services.
App & Online Banking:
- User
Ratings: Kyoto Bank's mobile banking app and online banking services generally have good or upper-to-mid user ratings on app stores such as the App Store and Google Play in Japan 。 Users generally believe that its interface design is simple, the operation process is smooth, and the functions are relatively complete, which can meet most of the daily banking service needs.
Core features: Banking apps and online banking usually provide the following core functions:
face recognition/fingerprint recognition: support biometric login to improve security and convenience.
Real-time fund transfer: Provide 24/7 real-time fund transfer service to facilitate customers to make instant fund transfers.
Bill management: Provide functions such as account balance inquiry, transaction details inquiry, electronic bill download, income and expenditure analysis, etc.
Investment tool integration: Some apps and online banking may integrate investment and wealth management functions to facilitate customers to buy, sell and manage investment products such as stocks and funds online.
Online Loan Application: Support online application, submission of materials and progress inquiry for some personal loan products.
Branch appointment: Provide the convenience of online appointment and offline branch service to reduce customer waiting time.
Open an account online: Some services may allow you to open a deposit account online.
Technological innovation: Kyoto Bank maintains an open attitude in technological innovation, actively exploring and applying new technologies:
AI customer service: Banks may be exploring or have partially introduced AI customer service systems to provide 24-hour online consultation services through chatbots and other means to answer customers' frequently asked questions and improve response efficiency.
Robo-advisors: Banks may launch or co-develop robo-advisory services that use algorithms and data analytics to provide clients with personalized investment advice and asset allocation solutions.
Open banking API support: As an industry development trend, Kyoto Bank may also gradually open up its API interfaces and cooperate with third-party fintech companies to provide more innovative services, such as supporting third-party payment applications and personal financial management tools, to build a financial ecosystem.
RPA (Robotic Process Automation): Apply RPA technology to optimize internal operational processes, improve efficiency, and reduce costs.
customer
serviceKyoto Bank provides multi-channel customer service to ensure that customers have easy access to help and support, reflecting its customer-centric philosophy.
telephone service: There is a dedicated customer service hotline to provide services such as manual consultation, business handling, question answering and complaint handling.
E-mail service: Customers can send e-mail to the e-mail address provided on the bank's official website to inquire or give feedback.
Live chat: Some online platforms or apps may offer an online chat function to facilitate instant communication and inquiries from customers.
Offline outlets: Provide face-to-face consultation, business processing, financial planning and loan application services at each branch, especially for customers who need complex consultation or face-to-face communication.
Social media: Banks may post information through official social media platforms and provide some customer support.
security
measuresKyoto Bank attaches great importance to the security of customers' funds and information, and takes multiple strict measures to protect customers' financial security and privacy.
data encryption: Advanced SSL/TLS encryption technology is used to protect customer data during network transmission and ensure that information is not stolen or tampered with.
Multi-factor authentication: Multi-factor authentication (such as passwords, SMS verification codes, transaction passwords, biometrics, etc.) is used in logins, transactions, and sensitive operations to significantly improve account security.
Risk Monitoring System: Establish and continuously upgrade an advanced risk monitoring system to monitor abnormal trading behaviors and suspicious activities in real time, and detect and block fraud and unauthorized access in a timely manner.
Information security management system: In accordance with ISO 27001 and other international information security management standards, we have established a sound information security management system to standardize data processing, storage and access processes.
Internal Control and Audit: Establish a strict internal control system and regular internal audits to standardize employee operations and prevent internal risks and fraud.
Disaster recovery system: Establish a complete disaster recovery system and data backup mechanism to ensure that in the event of emergencies (such as natural disasters and system failures), the core business can be quickly restored and continue to operate, and the safety of customer assets is guaranteed.
Customer Security Education: Regularly educate customers about financial security through websites, emails, apps, and other channels to remind customers to guard against telecom fraud, phishing, and personal information leakage.
Featured Services and DifferentiationKyoto
Bank As a local bank deeply rooted in Kyoto, its characteristics and differentiation are mainly reflected in the following aspects:
deep integration of regional cultures: Kyoto Bank is closely connected to the historical and cultural city of Kyoto. Its business development not only serves the residents and businesses of Kyoto, but also actively supports Kyoto's unique traditional industries (such as kimono, handicrafts, and tourism) and emerging industries, deeply integrating the development of the bank with local culture and historical inheritance.
Community Banking Concept: Adhering to a strong community banking concept, actively participating in local public welfare undertakings, cultural activities and economic revitalization projects, establishing deep ties with the local community, and enhancing the recognition and loyalty of the brand in the hearts of local residents.
Tourism Industry Support: Given Kyoto's status as an international tourist destination, Kyoto Bank may have expertise in serving tourism-related industries such as hotels, restaurants, souvenir shops, and customized financial products.
Business Succession and Innovation Support: For many long-established family businesses and emerging start-ups in the Kyoto area, Kyoto Bank may provide professional business succession consulting and innovation and entrepreneurship support services to help enterprises transform and upgrade or smoothly inherit.
Industry-University-Research Cooperation: Kyoto is home to many well-known universities and research institutes, and Kyoto Bank may actively cooperate with local universities and research institutions to promote the integration of industry, academia and research in the region and support the transformation of scientific and technological innovation achievements.
Environmental and Social Responsibility (ESG) Practices: As a responsible bank, Kyoto Bank may actively promote ESG concepts, such as supporting the financing of environmental protection projects and focusing on community development, to enhance its social image and sustainability capabilities.
