au Jibun Bank (auじぶん銀行)

Wiki route

This entry sits under banking index as the operating-profile companion to the entity anchor at Au Jibun Bank; this banking-domain page is the net-bank operating view of that same entity. Read it against Rakuten Bank for peer / contrast context and Cooperative banking in Japan for the broader system / regulatory boundary.

TL;DR

au Jibun Bank is the net bank of au Financial Holdings 100%. Established in 2008-06-17, with capital of 1,190 億円, it holds a smartphone-centric banking position connected to the KDDI / au financial sphere. As of 2026-04-01 its number of employees is 650 名, and its bank code is 0039.

Structure

• Company: auじぶん銀行株式会社 / au Jibun Bank Corporation.
• Shareholder: au Financial Holdings (au-FH) 100%.
• Regulatory identity: registered financial institution, Director-General of the Kanto Local Finance Bureau (registered financial institution) 第652号.
• Rating snapshot: as of 2026-03-05, an R&I issuer rating of AA and a JCR issuer rating of AA+ have been published.

Strategic read

au Jibun Bank is a representative example of a “telecom-carrier economic-sphere bank.” Rather than a standalone branch network, it is designed to bundle mortgages, deposits, and payments by linking the au / KDDI customer base, smartphone touchpoints, and the card, securities, insurance, and payment businesses within au FH.

Compared with Rakuten Bank and PayPay Bank (PayPay Bank), au Jibun Bank’s strength is the ease of connecting to the telecom carrier’s existing contracts, identity verification, and billing relationships. On the other hand, its character differs from high-frequency commerce / payment touchpoints such as Rakuten Ichiba or PayPay.

Related

• au-fh
• rakuten-bank
• paypay-bank
• sony-fg
• ssnb

Sources

• au Jibun Bank corporate profile and organizational chart, 2026-04-01 / 2026-03-05 stated figures.