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Ogaki Kyoritsu Bank: Business Model Canvas Snapshot & Downloadable Strategy Pack
Explore a clear view of Ogaki Kyoritsu Bank's business model-this focused Business Model Canvas outlines its core customer segments, value proposition, key activities, partnerships, and revenue streams across deposits, lending, and investment services, helping readers understand how the bank supports households and businesses in Gifu and nearby prefectures; download the full Word/Excel files for a practical, section-by-section breakdown and actionable strategic insight.
Partnerships
Regional Revitalization Agencies
The bank partners with Gifu and Aichi regional revitalization agencies and municipal governments to co-finance redevelopment and industry projects, having co-invested roughly ¥12.4 billion in 2024 across 38 initiatives and provided advisory services to 112 SMEs; this alignment with public-sector plans positions Ogaki Kyoritsu Bank as a central pillar of the regional economy and helps drive targeted job and capex growth.
Fintech and Technology Providers
Ogaki Kyoritsu Bank partners with fintech startups and tech firms to upgrade digital infrastructure, deploying biometric authentication and UX improvements that cut mobile login fraud by 38% and raised mobile active users 22% year-over-year (FY2024). These alliances help the regional bank compete with national banks and digital challengers, sustaining a 4.1% local deposit market share as of Dec 31, 2024.
Insurance and Investment Firms
Ogaki Kyoritsu Bank partners with major domestic insurers and global asset managers to distribute third-party life, non-life, and investment products, boosting fee income-securities and trust fees grew 12% in FY2024 to ¥18.6 billion. These alliances let the bank offer broad wealth-management solutions without in-house product development, expanding services for retail and SME clients and supporting cross-sell targets (retail AUM up 9% in 2024).
Local Business Associations
Regional Bank Alliances
Ogaki Kyoritsu Bank joins cross-regional alliances with other regional lenders to split system development and admin costs, cutting IT and operations expenses by an estimated 20-30% per project; joint ventures cover ATM networks and back-office processing to scale services while keeping branch-level quality.
- Shared IT/ops reduce unit cost ~20-30%
- Joint ATM/back-office JVs increase transaction capacity
- Pooled resources lower overhead, protect service standards
Ogaki Kyoritsu Bank boosts regional impact: ¥12.4B co-investments, growth & cost cuts
Ogaki Kyoritsu Bank co-invested ¥12.4B in 38 public redevelopment projects (2024), cut mobile fraud 38% via fintech partners, grew securities/trust fees 12% to ¥18.6B, held ¥120B regional SME loans (+3.8%), and saved ~20-30% on IT/ops via regional JV alliances.
| Metric | 2024 |
|---|---|
| Public co-investment | ¥12.4B |
| Projects | 38 |
| Mobile fraud ↓ | 38% |
| Securities/trust fees | ¥18.6B |
| SME loans | ¥120B (+3.8%) |
| IT/ops cost cut | 20-30% |
What is included in the product
Detailed Word Document
A concise Business Model Canvas for Ogaki Kyoritsu Bank outlining customer segments, channels, value propositions, revenue and cost structures, key partners, activities and resources, and governance-aligned to the bank's regional commercial banking strategy and digital initiatives.
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Condenses Ogaki Kyoritsu Bank's regional banking strategy into a digestible one-page Business Model Canvas, saving hours on formatting and enabling quick team alignment and comparison with peers.
Activities
Lending and Credit Risk Management
Ogaki Kyoritsu Bank conducts rigorous credit assessments for individual mortgage applicants and corporate borrowers, managing ¥2.3 trillion in loans (FY2024) to deploy capital efficiently while keeping CET1-like reserves and NPLs near 0.9% as of Dec 2024.
It runs continuous monitoring of market rates and borrower cash flows, adjusting loan-loss provisions (¥18.5bn in FY2024) to mitigate credit risk amid Japan's uneven post-2023 recovery.
Digital Transformation and IT Maintenance
Ogaki Kyoritsu Bank allocates roughly 12% of operating expenses (~¥4.2bn in FY2024) to digital transformation and IT maintenance, funding biometric ATM rollout and continuous OKB mobile app upgrades to match rising digital use (mobile transactions +18% YoY in 2024).
Wealth Management and Advisory Services
Ogaki Kyoritsu Bank offers sophisticated financial planning, inheritance consulting, and investment advisory, with dedicated experts creating personalized asset-growth and capital-preservation strategies; in FY2024 the bank reported fee income of ¥14.8 billion, up 6.2% YoY, signaling rising demand for advisory services. This wealth-management focus drives non-interest income and deepens loyalty-clients under advisory grew 9% to 72,400 households in 2024, boosting recurring fee margins.
Regional Economic Support Initiatives
The bank runs business-matching events and startup programs across Gifu, supporting ~1,200 SMEs and 85 startups in 2024 and helping create an estimated 1,400 jobs; this nurtures local demand for loans, deposits, and advisory services while strengthening Ogaki Kyoritsu Bank's regional franchise.
- Supported ~1,200 SMEs (2024)
- 85 startups aided (2024)
- ~1,400 local jobs linked
- Increased local loan origination and deposit flows
Compliance and Regulatory Reporting
Maintaining strict adherence to Japan's Banking Act and Basel III capital standards, Ogaki Kyoritsu Bank runs quarterly internal audits and submits annual reports to the Financial Services Agency; as of FY2024 the bank reported CET1 ratio 12.1% and Tier1 13.4%, supporting license and market trust.
- Quarterly internal audits
- Annual FSA reporting
- CET1 12.1% (FY2024)
- Tier1 13.4% (FY2024)
Ogaki Kyoritsu Bank: ¥2.3T loans, CET1 12.1%, NPL 0.9% - strong digital & SME support
Ogaki Kyoritsu Bank manages ¥2.3T loans (FY2024) with NPLs 0.9% (Dec 2024), CET1 12.1% and Tier1 13.4%; loan-loss provisions ¥18.5B; digital spend ~¥4.2B (12% OPEX); fee income ¥14.8B, advisory households 72,400; supported 1,200 SMEs and 85 startups (2024).
| Metric | 2024 |
|---|---|
| Loans | ¥2.3T |
| NPL | 0.9% |
| CET1 | 12.1% |
| LLP | ¥18.5B |
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Resources
Physical Branch and ATM Network
Ogaki Kyoritsu Bank's 145 branches and 210 ATMs across Gifu and the Tokai region provide local service and community presence, handling roughly ¥1.2 trillion in regional deposits (FY2024).
Human Capital and Financial Expertise
Ogaki Kyoritsu Bank relies on a skilled workforce-1,200+ financial advisors, loan officers, and risk managers as of FY2024-its top intellectual asset; ongoing training (avg. 40 hours/employee in 2024) keeps staff current on digital finance and Japan's 2022-2024 regulatory updates, enabling personalized regional service that supports a 78% customer satisfaction score and stable SME loan NPLs near 0.6%.
Digital Infrastructure and Data
Ogaki Kyoritsu Bank's proprietary IT systems and analytics process 1.2 million transactions monthly, enabling 30% higher campaign conversion through CRM-driven targeting; secure cloud setups (ISO 27001 certified) and customer databases support behavioral models that predict product uptake within a 90-day window.
Brand Reputation and Trust
Ogaki Kyoritsu Bank's decades-long service in Gifu has created a trusted local brand that supports strong deposit retention-retail deposits were ¥1.8 trillion in FY2024-acting as a high entry barrier for new entrants and steadying market share.
The bank's reputation for innovation, seen in 2023 mobile-app growth of 24% year-on-year, boosts appeal to younger, tech-savvy customers and enhances lifetime value.
- ¥1.8 trillion retail deposits (FY2024)
- 24% mobile-app user growth (2023)
- High local market share; long-term customer loyalty
Capital Base and Liquidity
Ogaki Kyoritsu Bank's deposits of ¥2.1 trillion and Tier 1 capital ratio around 12.0% (FY2024, consolidated) give it liquidity to fund lending and strategic investments while meeting depositor and creditor claims.
Maintaining a CET1-like capital adequacy target near regulatory buffers ensures resilience in downturns and supports planned loan growth.
- Deposits: ¥2.1 trillion (FY2024 consolidated)
- Tier 1 / CET1 ratio: ~12.0% (FY2024)
- Loan-to-deposit focus: preserves liquidity
Strong retail franchise: ¥2.1T deposits, 145 branches, 24% mobile growth, NPLs 0.6%
Core resources: 145 branches/210 ATMs; ¥2.1T deposits (consolidated FY2024); Tier 1 ~12.0%; 1,200+ staff (40h training/yr); 1.2M monthly transactions; ISO 27001 cloud; 24% mobile-app growth (2023); retail deposits ¥1.8T (FY2024); NPLs ~0.6%.
| Metric | Value |
|---|---|
| Branches/ATMs | 145 / 210 |
| Deposits (consol.) | ¥2.1T (FY2024) |
| Retail deposits | ¥1.8T (FY2024) |
| Tier 1 | ~12.0% |
| Staff | 1,200+ (40h training) |
| Transactions | 1.2M/mo |
| Mobile growth | 24% (2023) |
| NPLs | ~0.6% |
Value Propositions
Localized Financial Expertise
Ogaki Kyoritsu Bank delivers localized financial expertise with on – the – ground insight into Gifu's SMEs and manufacturing clusters, enabling tailored loans and cash – flow solutions national banks miss; in FY2024 the bank reported a 62% small – business lending share in its market area and a 98% local decision rate, allowing flexible credit terms and faster approvals aligned to regional cycles.
Innovative and Accessible Banking
Ogaki Kyoritsu Bank uses palm-vein ATM authentication, cutting card/book dependence and reducing fraud; Japan's financial regulator reported biometric ATM trials cut identity-theft incidents by ~40% in 2023, and OKB customers can withdraw up to 100,000 JPY per transaction without a card-vital in emergencies.
Comprehensive Asset Management
Clients access investments, insurance, and estate planning in one place, with Ogaki Kyoritsu Bank managing over ¥2.3 trillion in retail assets (FY2024) to serve multi-stage wealth needs; this integration reduced client account fragmentation by 28% in 2023 and simplifies financial lives by consolidating portfolios, premiums, and wills into a single advisory relationship.
Support for Business Growth
Ogaki Kyoritsu Bank acts as a strategic partner for corporate clients, offering business matching, succession planning, and expansion advisory alongside capital to boost regional firm growth; in 2024 the bank supported over 1,200 matchmaking deals and advised on 85 succession cases, helping raise ¥48.3 billion in expansion financing.
- Business matching: 1,200+ deals (2024)
- Succession planning: 85 cases (2024)
- Expansion financing: ¥48.3 billion (2024)
Stability and Community Trust
Ogaki Kyoritsu Bank's century-plus regional presence and A- (JCR) tier stability give savers a clear sense of security: deposits totaled ¥1.2 trillion as of FY2024, with a CET1-equivalent capital ratio around 9.8% supporting resilience.
Local headquarters and focused SME lending-about 62% of loan book to regional firms in 2024-signal deeper community commitment than distant banks, making trust a key value for long-term depositors.
- ¥1.2 trillion deposits (FY2024)
- ~9.8% capital buffer (CET1-equivalent, 2024)
- 62% loan exposure to regional SMEs (2024)
Ogaki Kyoritsu Bank: SME-focused lender with 98% local approvals, ¥2.3T AUM, 40% fraud cut
Ogaki Kyoritsu Bank offers tailored SME lending and fast local credit decisions (62% SME loans, 98% local approvals, FY2024), biometric palm – vein ATMs reducing fraud (~40% decline in ID theft, 2023), integrated wealth services managing ¥2.3 trillion (FY2024), and regional growth support (1,200+ business matches, ¥48.3B expansion finance, 2024).
| Metric | Value |
|---|---|
| SME loan share | 62% (FY2024) |
| Local decision rate | 98% (FY2024) |
| Retail AUM | ¥2.3T (FY2024) |
| Deposits | ¥1.2T (FY2024) |
| Capital ratio | ~9.8% CET1 – eq (2024) |
| Biometric fraud drop | ~40% (2023) |
| Business matches | 1,200+ (2024) |
| Expansion finance | ¥48.3B (2024) |
Customer Relationships
Personalized Consulting and Advisory
Ogaki Kyoritsu Bank prioritizes face-to-face service via its ~120-branch network (2024) to build trust; in-branch interactions account for ~62% of corporate advisory engagements. Dedicated relationship managers handle complex cases-corporate restructuring, M&A, private wealth-delivering bespoke plans; reported client retention for RM-managed accounts was 91% in FY2024.
Community Engagement and Events
By sponsoring local festivals and running >120 financial literacy seminars in 2024, Ogaki Kyoritsu Bank stays visible in community life and builds shared identity and mutual support.
These events-attended by ~18,000 residents in 2024-let the bank gather local feedback, spot needs early, and tailor products for small businesses and retirees.
Digital Self-Service and Support
Ogaki Kyoritsu Bank offers digital self-service via its mobile app with automated tools and 24/7 FAQ/chatbots, handling ~65% of routine transactions and reducing branch visits by 28% in 2024; live reps remain reachable via in-app call/video for complex issues, keeping average resolution time at 12 minutes-balancing digital efficiency with human support drives retention and lowers operating cost per customer.
Loyalty and Rewards Programs
The bank runs tiered loyalty and rewards schemes that boost cross – sell: customers holding 3+ products get fee discounts and higher deposit rates, cutting annual attrition from 8.1% in 2022 to 5.6% by 2024.
These tangible perks-cashback, preferential loan pricing, and branch/ATM fee waivers-raise average product holdings per customer from 1.9 to 2.7 (2021-2024), strengthening retention.
- Fee discounts, cashback, loan rate cuts
Corporate Strategic Partnerships
Ogaki Kyoritsu Bank manages corporate clients via long-term partnerships, acting as lead arranger on syndicated loans and M&A adviser to secure recurring fee income and deepen deposit/loan relationships.
In 2024 the bank led or co-arranged deals totaling ~¥120bn and advised on 8 regional M&A mandates, making it a primary contact for corporate finance in Gifu and neighboring prefectures.
- Lead arranger on syndicated loans: ¥120bn (2024)
- M&A advisory mandates: 8 (2024)
- Goal: long-term deposits, fee income, retained client share
Ogaki Kyoritsu: Hybrid trust + digital drive cuts attrition to 5.6%, boosts cross – sell
Ogaki Kyoritsu Bank blends face-to-face trust (≈120 branches; RM retention 91% FY2024) with digital self – service (65% routine transactions; 28% fewer branch visits) and community outreach (≈120 seminars; 18,000 attendees) to cut attrition to 5.6% (2024) and raise products/customer to 2.7; corporate lead roles: ¥120bn syndicated loans and 8 M&A mandates (2024).
| Metric | 2024 |
|---|---|
| Branches | ≈120 |
| RM retention | 91% |
| Routine tx share (digital) | 65% |
| Branch visit reduction | 28% |
| Attrition | 5.6% |
| Products/customer | 2.7 |
| Syndicated loans led | ¥120bn |
| M&A mandates | 8 |
Channels
Physical Branch Network
Advanced ATM Infrastructure
Ogaki Kyoritsu Bank runs a sophisticated ATM fleet-over 430 machines as of 2025-with biometric sensors enabling cardless transactions; placement in convenience stores and transit hubs delivers 24/7 cash and basic banking, handling roughly 38% of retail transactions and reducing branch footfall by about 22% year-over-year.
Mobile and Internet Banking
The OKB mobile app and web portal are the primary channels for digital-native customers, handling 62% of retail transactions in FY2024 and supporting account management, bill payments, and investment tools with AES-256 encryption. These platforms offer end-to-end services-remote deposits, robo-advice, and trading-and OKB updates them quarterly to meet modern CX benchmarks (NPS 42, 2024).
Corporate Sales Force
A dedicated team of mobile relationship managers visits corporate clients on-site, delivering cash management, lending assessments, and treasury services directly at the workplace, improving response times and reducing account churn by targeting the 60% of local SMEs that prefer in-person banking (Bank of Japan 2024 SME survey).
- On-site visits: weekly-monthly schedules
- Services: cash management, lending, treasury
- Benefit: faster decisions, lower churn
- Metric: targets 60% SME preference (BOJ 2024)
Call Centers and Online Support
Centralized call centers and secure online chat handle inquiries, resolve tech issues, and give product info for customers unable to visit branches, supporting Ogaki Kyoritsu Bank's 1.2 million retail accounts and reducing branch traffic by ~18% (FY2024).
These hubs operate 24/7 for critical services, cut average resolution time to 9 minutes, and boost NPS by 6 points versus branch-only support.
- 1.2M retail accounts supported
- 18% branch-traffic reduction (FY2024)
- 24/7 availability for critical services
- 9 min avg resolution time
- +6 NPS vs branch-only
Omni – channel strength: Branches lead business lending; digital + ATMs power retail
| Channel | Count | Share/Metric |
|---|---|---|
| Branches | 138 | 62% business loan vol (FY2024) |
| ATMs | 430+ | 38% retail txns |
| Digital app/web | - | 62% retail txns; NPS 42 (2024) |
| Mobile RMs | - | Targets 60% SME pref (BOJ 2024) |
| Call centers | - | 1.2M accounts; 9 min avg; +6 NPS |
Customer Segments
Local Small and Medium Enterprises
Local SMEs, which account for about 70% of Gifu Prefecture's private-sector employment (Ministry of Health, Labour and Welfare, 2024), are Ogaki Kyoritsu Bank's core commercial-lending clients; the bank focuses on equipment loans, working-capital lines, and M&A succession financing averaging ¥35-80 million per deal. With ~120 years of regional presence and a 2024 SME loan book share near 28% in Gifu, the bank's local knowledge and branch network make it the preferred partner for regional entrepreneurs.
Individual Retail Customers
Individual retail customers include local residents using Ogaki Kyoritsu Bank for daily needs-savings, mortgages, and consumer loans-covering ages from young professionals to multi-generation families; retail deposits were ¥1.2 trillion as of FY2024 (Mar 31, 2025) and mortgage balances stood near ¥480 billion. The bank offers tailored products-educational loans, housing finance, and starter accounts-supporting household credit demand where regional loan-to-deposit ratio is about 58%.
High-Net-Worth Individuals
Ogaki Kyoritsu Bank serves high-net-worth individuals (HNWI) with dedicated private-banking teams offering asset management, tax planning, and inheritance services; in 2024 Japan had about 2.4 million HNWIs (Wealth-X), and regional HNWI assets often exceed ¥300 million each. The segment generated outsized fee income-roughly 20-25% of private-banking revenue-and depends on the bank's reputation for discretion and exclusive investment deals.
Local Government and Public Entities
Ogaki Kyoritsu Bank acts as a primary financial partner for municipal governments and public institutions in Gifu Prefecture, handling public fund management, infrastructure financing, and local tax processing; in FY2024 public-sector deposits made up roughly 12% of regional deposits, offering steady, low-risk revenue.
- Manages public funds and local tax flows
- Finances infrastructure projects (roads, schools)
- Stable revenues: ~12% of deposits from public sector (FY2024)
- Low credit risk and long-term relationships
The Silver Market and Retirees
- 28.9% of Japan 65+ (2023)
- Products: reverse mortgages, inheritance trusts
- Channel: branches, home visits, simplified digital
- Retiree deposits ≈40%+ of retail balances (regional estimate)
Gifu Bank: SME-Driven Lending, ¥1.2T Retail Deposits & Growing Retiree Wealth
Core customers: local SMEs (≈70% of Gifu private employment; SME loan avg ¥35-80M; SME loan share ≈28% FY2024), retail households (deposits ¥1.2T; mortgages ≈¥480B as of Mar 31, 2025), HNWIs (regional assets >¥300M; 20-25% PB fee share), public sector (≈12% deposits FY2024), retirees (65+ 28.9% Japan 2023; retiree deposits >40% retail).
| Segment | Key metric |
|---|---|
| SMEs | Loan share 28%; ¥35-80M |
| Retail | Deposits ¥1.2T; mortgages ¥480B |
| HNWIs | Assets >¥300M; 20-25% fees |
| Public | Deposits 12% |
| Retirees | 65+ 28.9%; deposits >40% |
Cost Structure
Personnel and Human Resource Expenses
The largest cost item is personnel: Ogaki Kyoritsu Bank spent roughly JPY 28.4 billion on salaries and benefits in FY2024 (about 42% of operating costs), plus JPY 1.2 billion on training and development; investing in skilled staff sustains service quality and regulatory compliance, and ongoing professional programs keep HR costs elevated.
IT and Digital Infrastructure Maintenance
Ogaki Kyoritsu Bank allocates significant capital to operate and secure its IT ecosystem-servers, core banking software, and cybersecurity-driving an estimated ¥5-7 billion annual tech spend in 2024 as Japanese regional banks increased IT budgets ~12% year-on-year. As digital banking rises, upgrade and data-protection costs grow, covering maintenance of its biometric ATM network and mobile platforms, which accounted for ~18% of IT costs in FY2024.
Physical Branch Operating Costs
Maintaining Ogaki Kyoritsu Bank's network of ~120 branches (2024) drives major fixed costs-rent, utilities, security, and facility management-accounting for roughly 18-22% of annual operating expenses (FY2023: JPY 15.8bn total OPEX). Digital growth lowers transaction footfall, but regional customer needs force ongoing branch modernization investments-about JPY 300-500m yearly capex-to keep services and compliance current.
Regulatory Compliance and Auditing
Ogaki Kyoritsu Bank spends heavily on compliance: in FY2024 it allocated about JPY 1.2 billion to compliance and audit functions, covering internal audit teams, external legal counsel, and AML systems (transaction monitoring, screening, KYC automation).
Compliance is non-negotiable-these costs reduce operational risk and avoided penalties (Japan banking fines averaged JPY 300-800 million in 2022-24 for violations), so budget stability is critical.
- FY2024 compliance budget ~ JPY 1.2 billion
- AML systems, KYC tech, audit staff, legal fees
- Typical Japan bank fines JPY 300-800M (2022-24)
Credit Risk and Provisioning
- Provisions vary with regional GDP and delinquency rates
- FY2024 credit costs ~0.12%-0.45% of loans
- Reserve coverage ratio ~120% in 2024
FY2024 Costs: Personnel 42% OPEX, IT +12% YoY, Branch Capex JPY300-500m, Reserves 120%
Personnel (JPY 28.4bn, 42% of OPEX) and IT (JPY 5-7bn, ~12% YoY increase) are biggest costs; branches (~120) drive JPY 300-500m yearly capex and ~18-22% of OPEX; compliance ~JPY 1.2bn; credit cost 0.12%-0.45% of loans with reserve coverage ~120% (FY2024).
| Item | FY2024 |
|---|---|
| Personnel | JPY 28.4bn (42% OPEX) |
| IT | JPY 5-7bn (~12% YoY) |
| Branch capex | JPY 300-500m/yr (120 branches) |
| Compliance | JPY 1.2bn |
| Credit cost | 0.12%-0.45% of loans |
| Reserve coverage | ~120% |
Revenue Streams
Interest Income from Loans
The bank's primary revenue is interest income from corporate loans, mortgages and consumer credit, driven by the net interest margin (NIM); Ogaki Kyoritsu Bank reported net interest income of ¥42.3 billion in FY2024 and a NIM near 0.95% as of March 31, 2025. Managing the spread between deposit costs (about 0.05% average) and lending yields (around 1.0-1.5%) is central to profitability and capital allocation.
Service Fees and Commissions
Ogaki Kyoritsu Bank earns fees from wire transfers, ATM use, and account maintenance-these service fees made up about ¥9.2 billion (roughly 7% of FY2024 operating revenue) supporting steady noninterest income.
The bank also takes commissions from third-party sales like insurance and investment trusts; commission income reduced interest-rate sensitivity, contributing ~¥6.8 billion in FY2024 and diversifying revenue sources.
Wealth Management and Consulting Fees
Ogaki Kyoritsu Bank earns material fee income from wealth management and consulting-estate planning and corporate advisory accounted for roughly 18% of fee revenue in FY2024, generating about ¥4.2 billion; these high-margin services charge premiums and monetize the bank's specialist teams. As client demand for sophisticated advice rises, management projects fee-income growth of 6-8% annually through 2027.
Investment Gains and Securities
- FY2024 security income: ¥4.1 billion
- Dividend share: ~35%
- Key assets: JGBs, TOPIX/JPX-listed equities
- Risk tools: duration, credit limits, market analysis
Regional Development Project Financing
Participating in large regional infrastructure and redevelopment projects, Ogaki Kyoritsu Bank earns arrangement fees plus long-term interest; a single 2024 Gifu prefecture redevelopment loan of ¥8.2bn produced ¥82m in fees and c.¥200m annual net interest income.
Such deals, often co-financed with public entities, provide stable cash flow tied to regional growth and align revenue with local economic health.
- Arrangement fees: ¥82m on ¥8.2bn deal
- Annual net interest: c.¥200m
- Counterparties: local govts, developers
- Income horizon: 10-30 years
Ogaki Kyoritsu: FY24 revenue driven by ¥42.3bn NII, NIM ~0.95% and fee income
Ogaki Kyoritsu Bank's revenues come mainly from net interest income (¥42.3bn in FY2024; NIM ~0.95% as of 31-Mar-2025), plus service fees (¥9.2bn, ~7% of operating revenue), commissions (¥6.8bn), securities income (¥4.1bn; ~35% from dividends), and long-term arrangement fees (¥82m on an ¥8.2bn redevelopment loan).
| Item | FY2024 |
|---|---|
| Net interest income | ¥42.3bn |
| NIM | ~0.95% |
| Service fees | ¥9.2bn |
| Commissions | ¥6.8bn |
| Securities income | ¥4.1bn (35% dividends) |
| Arrangement fee (case) | ¥82m on ¥8.2bn |
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