中央労働金庫 (Chuo Rokin / Central Labour Bank)

Wiki route

This entry sits under cooperative-banks INDEX as the operating-company anchor for the rokin (labour bank) system in the Kanto area, parallel to Kyoto Chuo Shinkin Bank (shinkin) and Osaka Commercial Bank Credit Union (shinkumi). Read it against Labor Bank Federation (Rokinren) for the cooperative-system central institution, rokin registry for the 13-rokin landscape, and cooperative banking domain for the broader regulatory boundary.

TL;DR

The Chuo Labor Bank (Chuo Rokin) is a wide-area labor bank that operates in 1 metropolis and 7 prefectures in the Kanto region. Based on the Labor Bank Act, the business base is Tokyo, Kanagawa, Saitama, Chiba, Ibaraki, Tochigi, Gunma, and Yamanashi. Its members are worker organizations such as labor unions, consumer cooperatives, and NPOs, and it handles deposits and loans for housing, education, automobiles, etc. for workers. The legal organizational form and membership base are different from Japan Bank, Shinkin Bank, and JA Bank.

1. License / organizational structure

Composition of the 13 labour banks ^•

Note: from 47 prefecture-by-prefecture rokin (47 行), through regional integration, to the current 13 行 structure ^•

Key chronology ^•

Main business lines ^•

ALM / fund flow ^•

Members (worker households + member labour unions, co-ops, NPOs)
  → deposits → Chuo Rokin
              → home loans, education loans, asset-formation savings, etc. for workers in the region
              → surplus-fund deposit → Rokin Renraku
                                  → institutional investment + system feedback
                                  → Chuo Rokin → dividends / service feedback to members

Scale (as of 2025-03 ) ^•

Note: Chuo Roukin does not disclose its non-consolidated “total assets” in summary. For details, see Chuo Roukin Official Overview See Disclosure.

Representativeness within the 13 rokin

• Labor Federation One of the 13 Labor Banks with the central organization
• Committed to operating the system IT / R・ONE system, analogous to JASTEM (Rokinren shared infrastructure) ^•

Home-loan flagship model

• Chuo Rokin’s flagship product = home loans for workers
• Flat 35 + combined use of bank-type proprietary loans + special rates for workers
• A competitive structure with banks (megabanks / regional banks) + shinkin, but the preferential rates via member organizations provide differentiation

Digital strategy

• Rokin app: balance inquiry, transfers, home-loan balance management ^•
• R・ONE shared system: the 13 -rokin shared infrastructure via Rokinren ^•

4. KPI / soundness

Sources: Chuo Labor Bank “Overview of the Safe”（2025-03-31 the current). Comparative rankings are not included because they are outside the scope of this document.

Note: figures are from the Chuo Rokin official outline (as of 2025-03 ). Standalone total assets are not disclosed in the outline.

5. Supervision / regulation

• Jurisdiction: FSA / Kanto Local Finance Bureau (financial soundness) + Ministry of Health, Labour and Welfare (cooperative-organization supervision)
• Legal basis: Labour Bank Act (昭和 28 年 Act No. 第 227 号)
• Deposit insurance: Deposit Insurance Corporation of Japan (DIC) general-financial-institution coverage (limit 1,000 万円 + interest)
• Recent policy issues:
  • Digital advancement of the Rokin app + R・ONE system
  • Home-loan rate strategy during the rate-normalization period
  • Development of new products for young workers amid declining birthrate and aging population
  • Strengthening of ESG investment / social finance (NPO group lending, etc.)

Related

• rokin-renraku — Rokinren (the higher central institution of this rokin)
• shinkin-central — Shinkin Central Bank (cooperative-organization finance comparison)
• zenshin-kumi — Zenshinkumiren (cooperative-organization finance comparison)
• norinchukin — Norinchukin Bank (cooperative-organization finance comparison)
• osaka-shogin-shinkumi — Osaka Shogin Shinkumi (shinkumi operating-company)
• kyoto-chuo-shinkin — Kyoto Chuo Shinkin (shinkin operating-company)
• osaka-shinkin — Osaka Shinkin (shinkin operating-company)
• yokohama-shinkin — Yokohama Shinkin (Kanto peer shinkin)
• yokohama-bank — Bank of Yokohama (Kanto regional-bank peer)
• dic — Deposit Insurance Corporation of Japan
• rokin-bank-registry-japan — labour-bank 13 -bank registry
• cooperative-banking-japan — cooperative-organization finance as a whole
• cooperative-banks INDEX

Sources

• 中央労働金庫 公式: https://chuo.rokin.com/
• 中央労働金庫 概要 (2025-03 末: 預金 6 兆 8,913 億円・貸出金 4 兆 7,609 億円・出資金 288 億円・自己資本比率 10.96%・店舗 130・団体会員 11,318・役職員 3,008 名): https://chuo.rokin.com/aboutus/profile/
• 労働金庫連合会 公式: https://www.rokinren.com/
• 労金連 主要経営指標の推移 (2025-03 末 13 労金合算/中央機関統計: 総資産 8 兆 316 億円): https://www.rokinren.com/keieishihyo-suii.html
• 金融庁 労働金庫免許一覧: https://www.fsa.go.jp/menkyo/menkyoj/rokin.xlsx
• 労働金庫法 (昭和 28 年法律第 227 号)
• 全国労働金庫協会 (全労済協会) 公開資料

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[!info] Confidence note confidence: likely. Based on the Chuo Rokin official outline (as of 2025-03 ) + Rokinren management indicators. Deposits 6.9 兆円, loans 4.8 兆円, branches 130, and capital adequacy ratio 10.96% are sourced from the official outline (confirmed figures). Standalone total assets are not quantified as they are not disclosed in the official outline; scale is described on a deposit basis. The 8 -rokin integration history ^• of 2001-04-01 is public information. This entry is positioned as the operating-company anchor of the largest of the 13 rokin, placed as a peer operating entry to Rokinren (cooperative-system central).