Japan Post Bank (Yucho)

Key details

• Parent: branches via Japan Post network

Overview

Japan Post Bank (Yucho) is TYO: 7182 + Japan Post Holdings TYO: 6178 ~60% controlling + Japanese government via Japan Post Holdings residual ~36% holding + world's largest bank by deposits + Japan's largest commercial bank by branches via Japan Post network ~24,000+ branches + ~120M+ Japanese deposit accounts [1, jp-cro].

History

1875 — Japan Postal Savings System founded by Japanese government as Japanese postal savings program distinctive Japanese banking heritage.

Oct 1 2007 — Japan Post Bank Co Ltd Yucho Ginko corporate formation post-Japan Post privatisation by Prime Minister Junichiro Koizumi.

Nov 2015 — Japan Post Bank + Japan Post Holdings TYO IPO.

2014 — Yucho Bank mobile banking app launch.

Ownership & operator

Operating entity: Japan Post Bank Co Ltd Yucho Ginko (Japan's largest commercial bank by branches; TYO: 7182).

Major shareholders: Japan Post Holdings (TYO: 6178; Japanese government holds residual ~36% via Japan Post Holdings) ~60% controlling + Japanese retail + institutional + foreign investors free float.

Regulators: FSA Japan + BoJ.

Technical integration

Yucho Bank mobile app (iOS + Android; ~120M+ Japanese deposit accounts) + jp-bank.japanpost.jp online + Japan Post Bank branch network via Japan Post network ~24,000+ branches + Yucho ATM network ~30,000+ ATMs (Japan's largest ATM network) + Japan Post Bank Visa + Mastercard + JCB cards; JP Zengin (Japanese national payment system) + JP QR Payment Link (Japanese QR payment scheme).

Implementations & partners

Japan Post Holdings parent: [[japan-post-holdings]] (Japan Post Holdings; TYO: 6178; Japanese government holds residual ~36% controlling; Japan Post + Japan Post Bank + Japan Post Insurance parent).

Major Japanese banking + payments competitors: [[mufg-bank]] (MUFG Bank Mitsubishi UFJ Financial Group; TYO: 8306 + NYSE: MUFG; Japan's largest commercial bank by assets) + [[smbc-olive]] (SMBC Olive Sumitomo Mitsui Banking Corporation; TYO: 8316; Japan's #2 commercial bank by assets) + [[mizuho-bank]] (Mizuho Bank; TYO: 8411; Japan's #3 commercial bank by assets) + [[rakuten-bank]] (Rakuten Bank; TYO: 5838; Rakuten Japanese e-commerce digital bank subsidiary) + [[paypay]] (PayPay; SoftBank + Yahoo Japan Japanese super-app mobile wallet; ~65M+ Japanese users; Japan's largest mobile wallet by users) + [[line-pay]] (LINE Pay; LINE mobile wallet; Japanese operations) + [[d-barai]] (d払い d Barai NTT Docomo Japanese mobile wallet) + [[au-pay]] (au PAY KDDI Japanese mobile wallet) + [[suica]] (Suica JR East Japanese transit + retail prepaid card) + [[pasmo]] (Pasmo Tokyo Metropolitan Japanese transit + retail prepaid card).

Regulators: FSA Japan + BoJ.

Status

Active, TYO:7182 + Japan Post Holdings TYO:6178 ~60% controlling + Japanese government via Japan Post Holdings residual ~36% holding + world's largest bank by deposits + Japan's largest commercial bank by branches via Japan Post network ~24,000+ branches + ~120M+ Japanese deposit accounts [1, 2].

Sources

• 1 Yucho — official
• 2 Japan Post Bank — Wikipedia
• jp-cro In-corpus: reports/countries/JP-japan.md

Source

Biography extracted from japanpost-bank.md. See matrix.md for standards-support matrix if present.