株式会社京葉銀行

Wiki route

This entry sits under regional-banks INDEX. Read it against Jimoto HD for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

The No.2 regional bank in Chiba Prefecture (intra-prefecture share 2 位, with No.1 being chiba-bank). One of the “latest-arriving ordinary banks,” born from 1943 Chiba Goudou Mujin → 1951 Chiba Sogo Bank → 1989-04 ordinary-bank conversion・and TSE 2 Section listing in 9 of the same year. Abbreviated “Keiyo,” TSE PRIME 8544. Specializing in SMEs + personal loans・concentrated in the Keiyo area (Chiba City・Ichihara・Kisarazu・Funabashi・Matsudo), it maintains an independent path by not joining TSUBASA. A member of the Second Association of Regional Banks, it is in the upper group among second regional banks in both total assets and deposits.

1. 会社概要

正式名：株式会社京葉銀行 英名：The Keiyo Bank, Ltd. 証券コード：東証 PRIME 8544（1989-09 上場） 設立：1943-03（千葉合同無尽として） 普銀転換：1989-04-01（千葉相互銀行 → 京葉銀行へ商号変更・普通銀行転換） 本店：千葉県千葉市中央区富士見 1-11-11 第二地銀協：加盟（千葉県内では京葉銀行のみ） 統一金融機関コード：0522

概要数値（公開ベース・概数）

沿革（抜粋）

2. 事業セグメント・マップ

千葉県内市場構造

Chiba Prefecture is a special market with 3 行 coexistence: first regional banks 2 行 (Chiba Bank・Chiba Kogyo) + a second regional bank 1 行 (Keiyo). Keiyo Bank is inferior to Chiba Bank in scale, but holds a position that maintains its presence in the SME / personal segments.

独立路線 — TSUBASA 未参加

Keiyo Bank does not participate in the TSUBASA Alliance led by chiba-bank (a wide-area alliance of first regional banks such as Chiba・Daishi Hokuetsu・Chugoku・Iyo・Toho・Hokuyo・Musashino・Shiga・Ryukyu). This reflects:

• the structural reason of being a second regional bank in a directly competitive relationship with Chiba Bank within Chiba Prefecture
• its own position as a member of the Second Association of Regional Banks
• the relatively small merit of wide-area system pooling given its specialization in the intra-prefecture SME / personal segments.

Instead, it responds via the Second Association of Regional Banks’ joint back-office center・joint system use, or its own IT strategy.

中小企業 + 個人ローン特化

• 住宅ローン：千葉県内住宅ローン残高で千葉銀に次ぐシェア。京葉地区（千葉市・市原・木更津・船橋・松戸）の新興住宅地需要を取り込む
• カードローン：「QUICK パワー」シリーズ等、第二地銀としては積極的な無担保ローン展開
• 事業承継・M&A：京葉地区中小企業向けの世代交代支援
• 個人預金比率：個人預金の比率が法人預金より高め、リテール色が濃い

競合関係 map

4. 規制・政策

• 主管：金融庁（FSA）
• 業界団体：第二地方銀行協会
• 預金保険：預金保険機構 加盟
• 直近政策論点：
  • 2024〜 BOJ policy-rate normalization → improvement in domestic lending-rate margins (a bonus for regional banks overall)
  • 2025〜 population dynamics within Chiba Prefecture (Chiba City・Funabashi City have net inflows, Uchibo・Sotobo have outflows) → branch-restructuring pressure
  • encroachment from internet banks・distribution-affiliated banks (paypay-fg・Rakuten Bank・Sumishin SBI) in the personal-loan area → retail DX challenge

Related

• chiba-bank · chiba-kogyo-bank · mebuki-fg · concordia-fg
• mufg · smfg · mizuho-fg · paypay-fg

Sources

• Wikipedia: 株式会社京葉銀行（public information, extracted 2026-05-19）
• 京葉銀行 公式 IR ディスクロージャー誌（public, latest year）
• 全国銀行協会 加盟行リスト（第二地方銀行協会）

[!info] Verification status confidence: likely (public-information based, for structural understanding). The history・listing classification・Second Association of Regional Banks membership・intra-Chiba-Prefecture position can be confirmed from official sources. FY2024 consolidated figures are in approximate notation — confirmed values for net income・capital-adequacy ratio, etc. require reference to the official 有価証券報告書 (FSA EDINET)・Keiyo Bank’s official disclosure magazine. Figures are scheduled to be updated with the latest settlement at the next review.