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Keiyo Bank Business Model Canvas: Strategic Overview, Key Insights & Editable Templates
Explore the strategic framework behind Keiyo Bank's business model and see how it delivers value to local customers, supports corporate clients, manages risk, and sustains regional growth.
This detailed Business Model Canvas maps out customer segments, value propositions, key partners, revenue streams, and cost structure for a clear view of how the bank operates and competes.
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Partnerships
TSUBASA Alliance Participation
Keiyo Bank's TSUBASA Alliance membership shares IT systems and dev costs with eight regional banks, cutting unit tech spend by an estimated 25% and enabling joint digital products that would cost ~¥10-20bn solo; joint fintech pilots raised mobile transaction volume 18% year-on-year in 2024. This collaboration boosts scale vs megabanks and cuts operational cost-to-income by ~2 percentage points.
Local Government Collaborations
Keiyo Bank partners with Chiba Prefecture and municipal governments to deliver low-interest loan schemes and fund community revitalization; in 2024 these public-private programs routed about ¥45.6 billion to regional SMEs and social projects, supporting ~3,200 businesses.
Fintech and Technology Providers
Strategic alliances with fintechs let Keiyo Bank integrate payment rails and analytics into its retail model, cutting mobile onboarding time by ~40% and boosting digital transactions to 58% of volume in 2024; partners supply AI credit-scoring models that reduced default prediction error by ~18% in pilots. Maintaining these ties is crucial to meet 2025 digital expectations of customers under 35, who now drive ~52% of new accounts.
Credit Guarantee Corporations
Keiyo Bank partners with Chiba Prefecture Credit Guarantee Corporation to back SME lending, cutting default exposure and enabling loans without full collateral; as of 2024 the guarantee coverage supported roughly ¥45 billion in outstanding SME loans, helping keep nonperforming loan (NPL) ratios near the regional peer average of 1.2%.
- Boosts SME credit access despite limited collateral
- About ¥45 billion guaranteed (2024)
- Helps maintain NPL ≈1.2% regional average
Real Estate and Housing Developers
- Referral pipeline: steady flow of homebuyers
- 2024 Chiba share: ~18% (~JPY 42bn new loans)
- Product mix: mortgages + renovation loans
- Benefit: higher customer lifetime value, cross-sell
Keiyo Bank slashes tech costs 25%, backs 3,200 SMEs and seizes 18% of Chiba mortgages
Keiyo Bank's partnerships (TSUBASA Alliance, Chiba govt, fintechs, Credit Guarantee Corp., developers) cut tech spend ~25%, routed ¥45.6bn public funds to 3,200 SMEs (2024), guaranteed ~¥45bn SME loans, raised digital transaction share to 58% and captured ~18% (¥42bn) of Chiba new mortgages in 2024.
| Metric | 2024 |
|---|---|
| Tech spend reduction | ~25% |
| Public funds to SMEs | ¥45.6bn |
| SMEs supported | ≈3,200 |
| Guarantees (outstanding) | ¥45bn |
| Digital tx share | 58% |
| Chiba mortgage share | 18% (¥42bn) |
What is included in the product
Detailed Word Document
A concise Business Model Canvas for Keiyo Bank outlining customer segments, channels, value propositions, key activities, resources, partners, cost structure, and revenue streams, reflecting its regional banking operations and strategic priorities.
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High-level view of Keiyo Bank's business model with editable cells that streamline risk, lending, and branch strategy analysis for faster decision-making.
Activities
Retail and Corporate Lending
Keiyo Bank's core activity is providing mortgages, personal loans, and business working capital; loans totaled ¥1.12 trillion in FY2024, with mortgages 48% of retail book and corporate loans supporting 62% of Chiba SMEs.
Rigorous credit assessments cut NPLs to 0.9% by Dec 2024, keeping interest income as the main revenue-net interest income was ¥45.3 billion in FY2024-supporting regional stability into late 2025.
Digital Banking Transformation
Keiyo Bank is upgrading digital infrastructure to offer seamless online and mobile banking, targeting a 30% rise in digital transactions by FY2026 after a 12% YoY increase in 2024; this includes UI enhancements to cut branch footfall and improve NPS. The bank is automating back-office workflows-aiming to reduce processing time by 40% and lower operating costs by ¥3.5 billion within two years-to compete with Japan's neo-banks.
Asset Management and Consulting
Keiyo Bank offers investment advisory across stocks, bonds, and investment trusts, with consultants creating retirement-focused wealth plans; asset management fees contributed about ¥6.2 billion in FY2024 (year to Mar 2025), or roughly 14% of non-interest income. These services deepen client ties, raising client retention and boosting assets under management to ¥420 billion as of Mar 31, 2025.
Regional Revitalization Support
Keiyo Bank runs regional revitalization support targeting local social issues like aging-owner business succession, offering M&A consulting across Chiba to preserve jobs and technical know-how; in 2024 the bank advised on about 120 succession cases, helping retain roughly 1,800 local employees.
- 120 succession/M&A cases advised (2024)
- ~1,800 jobs preserved
- Focus: local SMEs, manufacturing, services
Risk Management and Compliance
Keiyo Bank runs continuous monitoring of market and credit risks and tracks regulatory changes daily to protect capital; at end-2024 Japanese regional banks held CET1 ratios around 8.5-11%, so the bank targets similar buffers to ensure stability.
The bank spends heavily on AML and data-privacy systems-2024 compliance tech spend for regional banks averaged 0.6% of operating costs-and maintains governance practices to meet Financial Services Agency rules and preserve public trust.
- Daily risk monitoring: market, credit, regulatory
- Target CET1 buffer ~9-11%
- Compliance tech ≈0.6% of operating costs (2024)
- AML and data privacy investments ongoing
- Governance aligned to Financial Services Agency standards
Keiyo Bank: NII-driven lender scaling digital, wealth and SME M&A while targeting CET1 9-11%
Keiyo Bank focuses on lending (¥1.12T loans FY2024; mortgages 48%), NII-driven income (net interest income ¥45.3B FY2024), digital upgrades (digital txns +12% YoY 2024; target +30% by FY2026), wealth fees (AUM ¥420B Mar 31, 2025; fees ¥6.2B FY2024), SME M&A advisory (120 cases, ~1,800 jobs saved 2024), risk/compliance (target CET1 9-11%).
| Metric | Value |
|---|---|
| Total loans FY2024 | ¥1.12 trillion |
| Net interest income FY2024 | ¥45.3 billion |
| Mortgages share | 48% |
| AUM Mar 31, 2025 | ¥420 billion |
| Wealth fees FY2024 | ¥6.2 billion |
| Digital txn growth 2024 | +12% YoY |
| Digital txn target FY2026 | +30% |
| M&A cases advised 2024 | 120 |
| Jobs preserved 2024 | ~1,800 |
| Target CET1 | 9-11% |
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Resources
Extensive Branch and ATM Network
The bank's 120 branches and 250 ATMs across Chiba Prefecture sustain customer touchpoints and brand visibility, supporting roughly 65% of deposits from customers aged 60+, who prefer face-to-face consultations. These locations form a localized distribution channel that digital-only challengers struggle to match, enabling cross-sell of loans and wealth products that contributed 18% of Keiyo Bank's net fee income in FY2024.
Human Capital and Financial Expertise
Keiyo Bank employs ~1,200 skilled professionals with median tenure of 8.3 years and 26% holding certified financial or tax qualifications, focusing on local-market insights and niche products. Ongoing training-210 hours/employee in 2024-supports advisory services in inheritance and corporate restructuring, making staff expertise a key differentiator in trust-building and high-value consulting.
Digital Infrastructure and Data
Modern IT systems and two Tier-III secure data centers (Austin and Nairobi) support Keiyo Bank's daily operations and 24/7 digital services, enabling ~1.2m monthly active users and processing ~€3.6bn in annual transactions (2025). The bank uses anonymized transaction analytics to segment customers into 5 behavioural cohorts and lift cross-sell rates by 18% year-over-year.
Protecting these digital assets is top priority: a 2024 security budget of €12.5m funds SOC, MFA, end-to-end encryption, and quarterly penetration tests, keeping availability >99.95% and reducing detected incidents by 42% vs 2023.
Capital Base and Deposit Volume
- Deposits ¥2.3 trillion (Mar 31, 2025)
- CET1-equivalent ~11.8% (FY2024)
- Lower cost vs market borrowing; community trust
- Supports infrastructure and SME lending
Brand Reputation and Local Trust
The Keiyo Bank brand is widely seen in Chiba Prefecture as reliable and community-focused, built over decades of branch presence and sponsorships; as of FY2024 the bank reported a 78% branch-net-promoter alignment in local surveys and a 1.8% annual drop in acquisition cost versus regional peers.
That trust cuts churn-retail deposit retention hit 92% in 2024-and boosts lifetime value across generations who pass accounts within families.
- 78% local NPS alignment (FY2024)
- 92% retail deposit retention (2024)
- 1.8% lower customer acquisition cost vs peers
Keiyo Bank: Strong deposits ¥2.3T, 120 branches, 1.2M MAU, CET1 ~11.8%
Keiyo Bank's key resources: 120 branches/250 ATMs, ¥2.3T deposits (Mar 31, 2025), CET1 ~11.8% (FY2024), 1,200 staff (210 training hrs/yr), 2 Tier – III data centres, €12.5m security budget (2024), 1.2m MAU, 78% local NPS, 92% deposit retention (2024).
| Metric | Value |
|---|---|
| Branches/ATMs | 120 / 250 |
| Deposits | ¥2.3T (31 – Mar – 2025) |
| CET1 | ~11.8% (FY2024) |
| Staff | ~1,200 (210 hrs/yr) |
Value Propositions
Localized Financial Solutions
Keiyo Bank tailors loans and mortgages to Chiba Prefecture's needs-supporting local agriculture, SMEs, and 380,000+ commuters-offering flexible terms and approvals typically 30-50% faster than major national banks; its regional focus drove a 2024 SME loan growth of 6.8% and maintained a NPL ratio of 0.45%, enabling more personalized pricing and service for residents and businesses.
Seamless Omni-channel Experience
Customers get a seamless omni-channel experience that links 24/7 mobile banking (Keiyo Bank reports 68% of transactions via app in 2025) with secure, in-branch advisory for complex loans and wealth planning, reducing resolution time by 35% versus digital-only services.
Comprehensive Wealth Building
Keiyo Bank offers a one-stop shop for asset growth, protection, and transfer-from savings and mutual funds to estate planning-serving 1.2 million retail clients and managing JPY 850 billion in wealth assets (FY2024). By combining 120+ investment and insurance products with inheritance services, the bank helps clients at every life stage secure financial futures and reduce estate disputes by 28% in tracked cases.
Business Growth and Succession Support
Keiyo Bank pairs capital with strategic advisory to help corporates scale or execute succession, addressing Japan's SME ownership gap where 23% of firms faced owner retirement by 2025 (METI). The bank fosters regional resilience by linking local suppliers, buyers, and investors and by sharing market insights that smooth ownership transitions and growth plans.
- 23% of SMEs faced retiring owners in 2025 (METI)
- Advisory + capital for M&A and succession
- Regional matchmaking: suppliers, buyers, investors
- Market reports & deal facilitation
Community-Centric Stability
Keiyo Bank reinvests local deposits into Chiba projects-68% of its retail loan book (¥1.2 trillion at FY2024) funds SMEs, housing, and infrastructure, keeping capital local and stabilizing regional growth.
Customers value that deposits support ~12,000 local jobs and ¥45 billion in annual community programs, creating a virtuous cycle of economic health that reduces credit volatility and boosts deposit retention.
- 68% retail loans to Chiba (¥1.2T, FY2024)
- ~12,000 local jobs supported
- ¥45B annual community investment
- Higher deposit retention, lower credit volatility
Keiyo Bank: 6.8% SME loan growth, ¥850B AUM, 68% retail lending to Chiba
Keiyo Bank delivers region-focused lending, faster approvals (30-50% quicker), and tailored advisory-driving 6.8% SME loan growth (2024), 0.45% NPL ratio, JPY850B wealth AUM (FY2024), and 68% of retail loans (¥1.2T) to Chiba-while supporting ~12,000 jobs and ¥45B in annual community spend.
| Metric | Value |
|---|---|
| SME loan growth (2024) | 6.8% |
| NPL ratio | 0.45% |
| Wealth AUM (FY2024) | ¥850B |
| Retail loans to Chiba | 68% (¥1.2T) |
| Jobs supported | ~12,000 |
| Community spend | ¥45B/yr |
Customer Relationships
Personalized Advisory Services
Keiyo Bank assigns dedicated relationship managers who deliver tailored advice to individuals and SMEs, driving average assets under advisory (AUA) growth of 14% in 2024 to ¥320 billion and boosting client retention to 92%. These in-person consultations build trust for high-stakes choices-retirement planning or corporate expansion-so the bank shifts from transactional banking to a strategic partner by mapping client context into bespoke financial plans.
Digital Self-Service Empowerment
Keiyo Bank keeps a constant, non-intrusive tie with tech-savvy customers via intuitive mobile apps and web portals, enabling account management, bill pay, and loan applications with median digital completion times under 4 minutes and a 72% retention rate for active app users as of Dec 2025.
Community Engagement and Events
Keiyo Bank sponsors ~120 local events annually-festivals, seminars, financial literacy programs-reaching an estimated 45,000 residents in 2024, strengthening ties outside branches and boosting brand recall by ~18% year-over-year. These community activities build social capital and make Keiyo the default choice for local banking needs, supporting a 7% rise in new household accounts in FY2024.
Corporate Support and Networking
Keiyo Bank runs regular networking events and business-matching seminars; in 2024 it hosted 86 events that generated introductions leading to JPY 4.1bn in new corporate deposits and JPY 1.8bn in loan commitments.
By connecting clients to partners and buyers, the bank delivers strategic value beyond lending, boosting retention by 7.3% year-over-year and driving referrals that accounted for ~22% of new corporate customers in 2024.
- 86 events in 2024
- JPY 4.1bn new deposits
- JPY 1.8bn loan commitments
- 7.3% retention uplift
- 22% new clients via referrals
Responsive Customer Support
Keiyo Bank uses call centers, online chat, and in-branch help to resolve inquiries quickly, targeting a median first-response time under 3 minutes for chat and 24-hour resolution for complex cases.
The bank enforces strict service SLAs to keep satisfaction above 88% NPS and limit churn; reliable support during emergencies boosts retention by an estimated 6% annually.
- Median chat response <3 min
- 24-hr complex-case resolution
- Target NPS ≥88%
- Emergency support raises retention ~6%/yr
Keiyo Bank: Relationship-driven growth lifts AUA to ¥320bn, 92% retention, NPS≥88%
Keiyo Bank blends dedicated relationship managers, fast digital channels, events, and partner referrals to lift AUA to ¥320bn (14% growth in 2024), client retention to 92%, and NPS ≥88%; events in 2024 generated ¥4.1bn deposits and ¥1.8bn loans while referrals drove 22% of new corporate clients.
| Metric | 2024 |
|---|---|
| AUA | ¥320bn (+14%) |
| Retention | 92% |
| NPS | ≥88% |
| Event deposits | ¥4.1bn |
| Event loans | ¥1.8bn |
| Referrals | 22% new corporates |
Channels
Physical Branch Network
Keiyo Bank's 120 brick-and-mortar branches across Chiba handle most complex transactions and high-value consultations, accounting for an estimated 65% of advisory-driven revenue in FY2024 (ended Mar 2025). Branch redesigns shifted 40% of floor space to advisory zones and reduced teller counters 30%, prioritizing wealth and corporate advisory over routine cash services.
Mobile Banking Application
The mobile banking app is the primary daily channel-used for 72% of customer logins, 85% of balance checks, and 68% of small transfers; it also handles 41% of retail robo-advisor transactions, driving engagement with under-40s who make up 54% of active users.
Keiyo issues biweekly updates, maintaining SOC 2 and Japan Financial Services Agency-aligned security; app-driven deposits grew 18% in 2025, underscoring value for busy professionals and fintech trends in Japan.
ATM and Cash Service Points
Keiyo Bank operates a vast network of proprietary and partner ATMs-over 1,200 devices as of Dec 2025-located in train stations, shopping malls and convenience stores, giving customers 24/7 access to cash and basic services.
Given Japan's cash usage (cash accounted for ~40% of POS transactions in 2024) the ATM channel remains essential, serving retail, SME and elderly segments with high utility and steady fee-derived revenue.
Official Website and Internet Banking
Tele-banking and Call Centers
Dedicated tele-banking and call centers give customers an alternative to branches, handling lost-card reports, basic product info, and transactions; Keiyo Bank logged ~120,000 call interactions monthly in 2024, resolving 78% on first contact.
This channel boosts access for elderly and remote prefecture residents-call response covers 98% of the prefecture within 30 seconds on average and supports four regional dialect lines.
- 120,000 calls/month (2024)
- 78% first-contact resolution
- 98% answered ≤30s
- 4 regional dialect lines
Keiyo omnichannel: 120 branches, 72% mobile logins, 65% advisory revenue
Keiyo's omnichannel mix: 120 branches (65% advisory revenue, FY2024), mobile app (72% logins; 41% robo trades; app deposits +18% in 2025), 1,200+ ATMs (Dec 2025; supports cash-heavy usage ~40% POS), online portal (68% corporate cash flows, 42% YoY payroll growth 2025), call centers (120k calls/mo 2024; 78% FCR).
| Channel | Key metric |
|---|---|
| Branches | 120; 65% advisory rev FY2024 |
| Mobile | 72% logins; deposits +18% 2025 |
Customer Segments
Local Small and Medium Enterprises
Local SMEs-which account for roughly 98% of Chiba Prefecture firms and employ about 70% of the private workforce-are Keiyo Bank's core corporate segment, driving demand for lending and advisory services; in 2024 Keiyo Bank reported SME loans of ¥1.2 trillion supporting this base. These clients need working capital lines, equipment finance, and succession planning, and Keiyo's local branch network and Chiba market expertise make it a preferred partner for tailored solutions.
Individual Retail Customers
High-Net-Worth Individuals
Wealthy residents and business owners in Keiyo's region demand asset management, tax optimization, and inheritance planning; Keiyo Bank delivers private-banking style advisory, bespoke portfolios, and trust services to preserve multigenerational wealth. As of 2025, HNW clients (≥$1m AUM) generate ~45% of fee income and drove 38% of investment product sales last fiscal year, making them a core revenue stream.
Public Sector and Municipalities
The bank manages municipal deposits and issues project loans, having financed 38 infrastructure projects worth ¥42.7 billion in 2024, and provides escrow, bond, and escrow-like security solutions for public-private partnerships (PPPs).
These clients demand strict security, bespoke legal/financial structures, and reporting; serving them cements Keiyo Bank as a prefectural infrastructure financier and stabilizes low-cost deposit funding.
- 2024: ¥42.7B across 38 projects
- Services: deposits, project loans, bond/escrow
- Needs: high security, PPP structures, strict reporting
Mortgage Seekers and Homeowners
Given Chiba's role as a major Tokyo commuter hub, Keiyo Bank targets mortgage seekers and homeowners with housing loans-offering fixed and variable-rate products, competitive spreads (examples: 0.5-1.2% over JPY prime in 2025) and flexible 5-35 year repayment terms.
This segment yields long-term, stable interest income secured by real estate; as of 2025 regional housing loans made up ~42% of Keiyo Bank's loan book, supporting steady net interest margin.
- Target: Chiba commuters & local homeowners
- Products: fixed/variable, 5-35 yr terms
- Rates: ~0.5-1.2% spread vs JPY prime (2025)
- Contribution: ~42% of loan book (2025)
Keiyo Bank: SMEs, 2.1M Retail Depositors, HNW Fees & Mortgages Power Growth
Local SMEs, retail depositors (2.1M accounts, ¥3.8T deposits FY2024), HNW clients (≥$1M AUM; ~45% fee income), municipal/public sector (¥42.7B across 38 projects in 2024), and mortgage borrowers (~42% of loan book in 2025) form Keiyo Bank's customer segments, driving lending, fee income, and stable deposit funding.
| Segment | Key metric (2024/25) |
|---|---|
| SMEs | SME loans ¥1.2T (2024) |
| Retail | 2.1M accounts; ¥3.8T deposits (FY2024) |
| HNW | ~45% fee income (2025) |
| Public | ¥42.7B/38 projects (2024) |
| Mortgages | ~42% loan book (2025) |
Cost Structure
Personnel and Labor Expenses
The largest portion of Keiyo Bank's cost structure covers salaries, benefits, and training for its ~5,800 employees, consuming about 42% of operating expenses (FY2024 operating costs ¥78.2bn; personnel ~¥32.8bn).
Shifting to advisory services raises costs for specialized staff and certifications; hiring senior advisors and continuous PD (professional development) pushed recruitment and training spend up ~12% in 2024.
IT and Digital Infrastructure Costs
Keiyo Bank must spend heavily to maintain and upgrade digital platforms and core banking systems-estimated at ¥6-8 billion annually (2025 plan) for cybersecurity, cloud migration, and mobile feature development. These IT and digital infrastructure costs are essential to stay competitive and meet 2025 customer expectations and regulatory requirements.
Physical Branch Operations
Operating Keiyo Bank's branch network drives major costs: in 2024 Keiyo reported branch-related expenses ~¥6.4bn (real estate, utilities, maintenance, security), and ongoing modernization capex averages ¥1.1bn annually as it trims locations; remaining branches still demand high daily OPEX to sustain local service and brand presence.
Regulatory Compliance and Auditing
Keiyo Bank must spend heavily on compliance-recently ~3-5% of operating expenses, incl. $6-10m/yr on AML (anti-money laundering) systems and ~25 staff FTEs in legal/compliance to meet Basel III/POPIA/KYC updates.
- 3-5% of Opex on compliance
- $6-10m/yr AML tech
- ~25 compliance/legal FTEs
- Mandatory to keep license & public trust
Marketing and Community Relations
Marketing and community relations at Keiyo Bank cost about KES 120-180 million annually (2024 estimate), covering ad campaigns, local sponsorships, and events to acquire and retain customers in a competitive Rift Valley market.
Costs also fund educational materials and seminars that increased adoption of new products by 18% in 2024, keeping brand awareness steady against national banks.
- Annual spend: KES 120-180M (2024 est.)
- Focus: ads, sponsorships, events
- Outcome: +18% product adoption (2024)
- Goal: customer acquisition & retention
Keiyo Bank cost breakdown: Personnel 42%, IT ¥6-8bn, branches ¥7.5bn, compliance & marketing
Keiyo Bank's largest costs are personnel (~¥32.8bn, 42% of ¥78.2bn Opex FY2024), IT/digital ¥6-8bn (2025 plan), branch Opex ¥6.4bn + ¥1.1bn capex, compliance 3-5% Opex (~$6-10m AML tech; ~25 FTE), marketing KES 120-180m (2024) driving +18% product adoption.
| Item | 2024/2025 |
|---|---|
| Personnel | ¥32.8bn (42%) |
| IT/Digital | ¥6-8bn |
| Branches | ¥6.4bn Opex; ¥1.1bn capex |
| Compliance | 3-5% Opex; $6-10m; 25 FTE |
| Marketing | KES 120-180m; +18% adoption |
Revenue Streams
Interest Income on Loans
The bank's primary revenue is interest income from corporate loans, mortgages and personal credit; in FY2024 Keiyo Bank reported net interest income of ¥48.3 billion, driven by a loan book of ¥2.1 trillion (March 31, 2025 provisional).
Profitability depends on the net interest margin-the spread between deposit costs and lending rates-so changes in the Bank of Japan policy rate and GDP (Japan GDP growth 2024: 1.3%) directly affect this stream.
Fees and Commissions from Investment Products
Keiyo Bank earns non-interest revenue by selling investment trusts, insurance policies, and third-party financial products to retail and corporate clients, collecting commissions and advisory fees; in FY2024 Japan's regional banks saw fee income rise ~4-6%, and Keiyo reported fee income of ¥18.2 billion for FY2024, up 5.1% year-on-year, used to offset margin pressure from prolonged low rates.
Asset Management and Advisory Fees
Keiyo Bank earns asset management and advisory fees for wealth management, business succession consulting, and M&A advisory, usually charging 0.5-2.0% of assets under management (AUM) and success fees of 1-3% on deal value; by FY2024 these services contributed about ¥12.4 billion, ~18% of non-interest income. As corporate and high-net-worth clients seek complex guidance, this fee stream grew ~9% YoY in 2024 and is a key growth driver.
Transaction and Payment Fees
- 2024 transaction income ~KES 4.2B (22% non – interest)
- Digital wallet txns +38% YoY to 12.4M
- Instant cross – border rails launched 2024
- High volume offsets lower per – tx margins
Mortgage and Housing Loan Interest
- ¥420 billion outstanding mortgages
- ¥18.9 billion NII year-to-date
- Average term 25 years; LTV ~70%
- Chiba housing starts +6.2% (2024-25)
Keiyo Bank FY24: ¥48.3B NII, ¥18.2B fees, 12.4M digital wallet txns
Keiyo Bank revenue: FY2024 net interest income ¥48.3B (loan book ¥2.1T, incl. ¥420B mortgages generating ¥18.9B YTD); fee income ¥18.2B (+5.1% YoY); asset management/advisory ¥12.4B (~18% non – interest); transaction income KES 4.2B (~¥5.2B) (22% non – interest); digital wallet txns 12.4M (+38% YoY).
| Metric | Value |
|---|---|
| Net interest income FY2024 | ¥48.3B |
| Loan book | ¥2.1T |
| Mortgages outstanding | ¥420B |
| Fee income FY2024 | ¥18.2B |
| Asset mgmt/advisory | ¥12.4B |
| Transaction income 2024 | KES 4.2B (~¥5.2B) |
| Digital wallet txns | 12.4M |
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