The Rokinren Bank (労働金庫連合会)

Wiki route

This entry sits under cooperative-banks INDEX. Read it against Mitsubishi UFJ FG (MUFG) for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

The Rokinren Bank is the central financial institution for the “rokin” (labor bank) sector, with all 13 labor banks nationwide as its members. Established in 1955年, it has the Labor Bank Act as its governing law and handles the supply-and-demand adjustment of funds for member labor banks, the management of surplus funds, the centralized processing of domestic exchange and asset-formation savings, and the operation of the sector-unified online system. It is a central institution of cooperative-organization finance alongside National Federation of Credit Cooperatives (Zenshinkumiren) and Shinkin Central.

1. Company overview

According to the official profile, as of 2025-03-31 it had funds under management of 6兆2,093億円, a loan balance of 9,925億円, and a capital adequacy ratio of 15.83%. Its capital is 1,600億円, and the number of full-time officers and employees is 417.

2. Business segment map

According to the official explanation, the Rokinren absorbs 58% of member labor banks’ surplus funds as deposits, and 80% of the deposits and negotiable certificates of deposit that the Rokinren absorbs come from member labor banks.

3. Strategy / competition

• Central institution of cooperative-organization finance: The Rokinren is not a for-profit bank but the central institution of labor banks, which provide welfare finance for working people.
• Comparison with shinkin / shinkumi: shinkin-central supports credit unions (shinkin), zenshin-kumi supports credit cooperatives (shinkumi), and the Rokinren supports labor banks.
• System mutualization: In a phase of rising costs for regional financial institutions, shared systems and operations concentration become a source of competitiveness.
• Balancing policy orientation and market management: Because it supports welfare finance for working people while managing surplus funds in financial markets, it has both an ALM aspect and a social-mission aspect.

4. Regulation / policy

• A cooperative-organization financial institution based on the Labor Bank Act.
• Subject to disclosure, risk-management, and supervisory rules including the applied provisions of the Banking Act.
• Under the supervision of the FSA and the Local Finance Bureaus, AML/CFT, cybersecurity, and system-risk management are important.

Related

• zenshin-kumi · shinkin-central · norinchukin
• banking INDEX · FinWiki index
• rokin-bank-registry-japan — the registry index of the 13 labor banks

Sources

• The Rokinren Bank, “Rokinren Profile”: https://www.rokinren.com/about/profile.html
• The Rokinren Bank, “The Role of the Rokinren”: https://www.rokinren.com/about/our-roles.html
• The Rokinren Bank, “Guide to Operations”: https://www.rokinren.com/about/works.html
• FSA: Rokinren Bank / Labor Bank License List (2023-08-14): https://www.fsa.go.jp/menkyo/menkyoj/rokin.xlsx

[!info] 検証状況 confidence: likely. The name, governing law, establishment, number of members, and key KPIs are confirmed in the official profile. The original stub name rokin-renraku is unofficial but has been kept as an alias to preserve existing links.