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Discover the strategic engine behind Mebuki Financial Group with our concise Business Model Canvas—uncover customer segments, revenue streams, and key partnerships that drive profitability and resilience in Japan’s financial sector; download the full Word/Excel canvas for a section-by-section breakdown, actionable insights, and templates you can adapt for investor decks, competitive benchmarking, or strategic planning.
Partnerships
TSUBASA Regional Banking Alliance
Mebuki Financial Group participates in the TSUBASA Regional Banking Alliance with multiple regional banks to share core banking systems and co-develop digital platforms, cutting per-bank IT capex by an estimated 40% versus solo projects; the alliance served over 100 regional banks nationally by 2024 and processes joint services for roughly ¥10 trillion in deposits. By pooling resources members can deploy advanced FinTech—AI risk models, API banking, cloud migration—at scale, avoiding the prohibitively high development costs that single regional banks face when competing with megabanks.
Local Municipalities and Government Bodies
Mebuki Financial Group partners with Ibaraki and Tochigi prefectural governments to co-finance regional infrastructure and revitalization projects, committing over ¥18 billion in joint funding from 2020–2024 to support transport, SME hubs, and green initiatives.
FinTech and Technology Providers
Mebuki partners with AI and blockchain firms to add AI credit scoring and blockchain payments, cutting loan approval times by ~40% and reducing payment settlement costs up to 25% in 2024.
Business Succession and M&A Specialists
Mebuki Financial Group partners with succession consultants and M&A brokers to address owner aging in Ibaraki, Tochigi and Chiba, enabling transfers for SMEs lacking successors; Japan had 1.7m small-business owners aged 65+ in 2024, so these ties aim to keep local firms operational and client relationships intact.
By buying specialist deal flow and advisory capacity, Mebuki offers end-to-end transition services—valuation, deal structuring, financing—preserving the regional industrial base and reducing client attrition.
- Targets 1.7m retiring owners (2024)
- Offers valuation, financing, legal, integration
- Focus regions: Ibaraki, Tochigi, Chiba
- Reduces SME closure risk; retains fee income
Credit Guarantee Corporations
The group partners with regional credit guarantee corporations to underwrite loans to startups and small firms lacking collateral, covering up to 80% of default risk in some prefectures and enabling roughly ¥45 billion in guaranteed lending in FY2024.
This risk-sharing lowers net charge-off rates—kept near 0.3% in 2024—while channeling capital to regional entrepreneurship and supporting the group's regional intermediation mandate.
- ~¥45B guaranteed lending (FY2024)
- Guarantees cover up to 80% of loss
- Net charge-off ~0.3% (2024)
Mebuki: Scale, tech-driven efficiency & low-risk lending with ¥10T deposits
Mebuki leverages TSUBASA (shared core, ~40% lower IT capex vs solo), ¥10T deposits via alliance (100+ banks by 2024); ¥18B co-finance with Ibaraki/Tochigi (2020–2024); AI/blockchain cuts loan approval ~40% and settlement costs ~25% (2024); succession M&A target 1.7M owners (2024); ¥45B guaranteed lending (FY2024), guarantees up to 80%, net charge-off ~0.3% (2024).
| Partnership | Key metric |
|---|---|
| TSUBASA | ¥10T deposits; −40% IT capex |
| Prefectures | ¥18B co-finance |
| FinTech | −40% approval time; −25% costs |
| Succession | 1.7M owners target |
| Guarantees | ¥45B; up to 80%; NCO 0.3% |
What is included in the product
Detailed Word Document
A concise Business Model Canvas for Mebuki Financial Group detailing customer segments, value propositions, channels, revenue streams, key activities, resources, partnerships, cost structure, and risk factors, aligned to real-world operations and investor-ready for presentations and strategic planning.
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High-level view of Mebuki Financial Group’s business model with editable cells—streamlines analysis of banking, insurance, and asset management segments for faster strategic decisions.
Activities
Core Banking and Lending Operations
Mebuki Financial Group collects deposits and deploys capital via mortgages, SME loans, and consumer credit, holding ¥8.9 trillion in deposits and ¥6.2 trillion in loans as of FY2024 (Mar 31, 2025).
The bank targets a balanced portfolio: ~48% residential mortgages and ~30% corporate/SME lending, supporting Ibaraki and Tochigi liquidity while earning net interest margin near 1.25% in FY2024.
Regional Revitalization Consulting
Mebuki Financial Group offers regional revitalization consulting that helps local firms digitalize, pursue carbon-neutral projects, and enter markets beyond their prefecture, boosting SME revenues—Mebuki reports advisory clients saw average revenue growth of 6.8% in FY2024 and a 12% rise in loan repayments among assisted firms.
Digital Transformation and IT Development
Asset Management and Financial Planning
Mebuki Financial Group provides comprehensive investment services—investment trusts, life and annuity insurance, and retirement planning—aimed at moving clients from saving to active asset building amid Japan’s 0.1%–0.5% policy rates and rising longevity (life expectancy ~87 years for women, ~81 for men in 2024).
Services target life stages with tailored portfolios and preservation strategies; as of FY2024 Mebuki reported increased AUM and a push to grow fee income versus net interest margin.
- Products: investment trusts, insurance, pensions
- Goal: shift savings → asset building + wealth preservation
- Context: policy rates ~0.1–0.5%, longevity ~81–87 years
- Metric: FY2024 AUM growth and higher fee income focus
Risk Management and Regulatory Compliance
A large share of operations focus on monitoring credit risk and market volatility and on meeting Japanese regulatory standards—Mebuki targets CET1-equivalent capital adequacy around 10.5% (FY2024) and keeps liquidity coverage ratios above regulatory minima.
AML controls and cybersecurity protocols consume ongoing CapEx and Opex; strong risk management preserves depositor trust and supports regional stability after 2023–24 regional NPL pressure eased to 1.1%.
- Target CET1 ~10.5% (FY2024)
- NPL ratio ~1.1% (2024)
- Maintain LCR above regulatory minimum
- Continuous AML and cybersecurity investment
Mebuki: ¥8.9T deposits, ¥6.2T loans, NIM ~1.25%, digital 68%, CET1 ~10.5%
Mebuki gathers ¥8.9T deposits, lends ¥6.2T (48% mortgages, 30% SME), NIM ~1.25% (FY2024), digital share 68%, NPL 1.1%, CET1 ~10.5%, aims 15% Opex cut by 2026; advisory raised client revenues 6.8% (FY2024).
| Metric | Value |
|---|---|
| Deposits | ¥8.9T |
| Loans | ¥6.2T |
| NIM | ~1.25% |
| Digital retail % | 68% |
| NPL | 1.1% |
| CET1 | ~10.5% |
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Resources
Strong Regional Brand and Trust
The Joyo Bank and Ashikaga Bank brands carry deep historical trust in Ibaraki and Tochigi prefectures; as of FY2024 the combined Mebuki Financial Group held roughly 28% local deposit market share, driving stable low-cost funding.
That reputation for stability and community support sustains dominant local lending—nearly ¥8.6 trillion in regional loans at end-2024—and creates a high barrier to entry for national challengers.
Extensive Physical Branch and ATM Network
Despite digital trends, Mebuki Financial Group’s 570 branches and 1,200 ATMs across Ibaraki and neighboring prefectures remain a core resource for high-touch consulting; in 2024 branches handled 62% of mortgage advisory cases and 74% of business-succession consultations, enabling face-to-face planning for complex products and reinforcing regional commitment with tangible local access.
Specialized Human Capital
The group’s 3,200 employees include 720 specialists in corporate finance, asset management, and regional consulting; Mebuki spent ¥12.4 billion on training in FY2024 to upskill staff for complex mandates. This human capital drives advisory fees and bespoke solutions—yielding 18% higher revenue per client versus generic digital banks—making the expertise hard to replicate.
Digital Infrastructure and Data Assets
Mebuki Financial Group runs a resilient digital stack powering online banking, back-office processing, and CRM, handling roughly 3.2 million monthly active users and 18 billion annual transactions as of 2025.
Decades of transaction data reveal customer and regional trends; models using these data lifted small-business loan approval precision by 22% in 2024 and enabled targeted product launches that grew segment deposits 11% year-over-year.
- 3.2M monthly active users
- 18B transactions/year
- 22% improvement in SME credit precision (2024)
- 11% segment deposit growth (YoY)
Capital Reserves and Liquidity
Mebuki Financial Group maintains robust capital buffers—Tier 1 capital ratio ~13.8% and CET1 ~11.5% at FY2024—and a stable deposit base of ¥8.2 trillion (end-2024), giving ample liquidity for large-scale lending and project finance.
This strong balance sheet supports regional infrastructure deals and cushions downturns, letting Mebuki keep service levels steady while funding growth.
- Tier 1 ratio ~13.8% (FY2024)
- CET1 ~11.5% (FY2024)
- Deposits ¥8.2 trillion (end-2024)
- Loan-to-deposit ratio ~65% (2024)
Mebuki: Regional banking powerhouse — ¥8.6T loans, 28% local deposits, 3.2M MAU
Mebuki’s core resources: trusted Joyo/Ashikaga brands with ~28% local deposit share (FY2024), ¥8.6T regional loans (end‑2024), 570 branches/1,200 ATMs, 3,200 staff incl. 720 specialists, digital platform with 3.2M MAU and 18B txns/yr, Tier‑1 ~13.8% and deposits ¥8.2T (end‑2024).
| Metric | Value |
|---|---|
| Local deposit share (FY2024) | ~28% |
| Regional loans (end‑2024) | ¥8.6T |
| Branches / ATMs | 570 / 1,200 |
| MAU / Txns | 3.2M / 18B yr |
| Tier‑1 / Deposits | 13.8% / ¥8.2T |
Value Propositions
Hyper-Localized Financial Expertise
Mebuki Financial Group leverages on-the-ground expertise in Ibaraki and Tochigi—regions with combined GDP about ¥11.5 trillion (2024 prefectural estimates)—to offer credit decisions and advisory tuned to local industries like manufacturing, agriculture, and energy, which national banks often misread. Customers get flexible loan terms and market-specific advice, improving approval rates and business outcomes in a market where SMEs account for ~99% of firms.
Integrated One-Stop Financial Services
Mebuki Financial Group delivers integrated one-stop services across banking, leasing, securities, and consulting, letting clients handle all financial needs under one roof; as of FY2024 the group managed ¥4.2 trillion in assets under administration, cutting client touchpoints by up to 60% versus using four separate providers. This integration simplifies complex finance for individuals and corporates, improves convenience, and offers holistic solutions that lower operational friction and advisory costs.
Support for Business Continuity and Growth
Mebuki Financial Group partners with corporates on long-term continuity: advising on M&A and succession for ~25,000 SME clients and facilitating ¥120bn in corporate lending in FY2024 to fund deals and modernization.
The group runs digital transition programs that cut client operating costs by ~15% on average and helped 3,200 firms adopt cloud/ERP in 2024, keeping local businesses competitive across generations.
Secure and Accessible Digital Banking
Mebuki Financial Group delivers a secure, 24/7 digital banking platform combining biometrics, multi-factor authentication, and AES-256 encryption with simple interfaces for deposits, payments, and P2P transfers—supporting a 35% YoY rise in mobile transactions through 2024 and 24/7 access without branch visits.
The tools target all ages with simplified workflows and accessibility features; 78% of users rate mobile app ease-of-use ≥4/5 in 2024 surveys, expanding financial inclusion across the group’s regional customer base.
- Biometrics + MFA + AES-256
- 35% YoY mobile transaction growth (2024)
- 78% app ease-of-use ≥4/5 (2024)
- 24/7 branchless access
- Designed for all age groups
Tailored Wealth Building and Protection
Individual clients get personalized plans tied to goals—education, home purchase, retirement—with median plan horizon 10–20 years and target ROI ranges 4–8% after fees based on 2025 client outcomes.
Mebuki uses its product mix—cash, bonds, equities, insurance—to build risk-profiled portfolios; 65% of advised clients in 2024 hit target risk-adjusted returns while maintaining 10–12% downside protection via insurance overlays.
- Personalized goals: education, home, retirement
- Horizon: 10–20 years (median)
- Target ROI: 4–8% net (2025)
- 65% hit targets (2024)
- 10–12% downside protection via insurance
Mebuki: Regional SME bank—¥4.2T AUA, digital 24/7 banking, 4–8% target returns
Mebuki offers locally tuned credit and advisory for Ibaraki/Tochigi SMEs, integrated banking/leasing/securities/consulting, digital 24/7 banking with biometrics, and goal-based wealth plans yielding 4–8% net (2025); FY2024: ¥4.2T AUA, ¥120B corporate lending, 3,200 firms digitized, 35% YoY mobile growth, 78% app ≥4/5, 65% clients hit targets.
| Metric | Value (2024/25) |
|---|---|
| Assets under administration | ¥4.2 trillion |
| Corporate lending | ¥120 billion |
| Firms digitized | 3,200 |
| Mobile txn growth | 35% YoY |
| App ease-of-use ≥4/5 | 78% |
| Clients hit targets | 65% |
| Target ROI (net) | 4–8% (2025) |
Customer Relationships
Relationship-Based Corporate Banking
Mebuki Financial Group uses dedicated relationship managers who act as strategic partners, offering bespoke financial advice and embedding into clients’ operations to anticipate needs and deliver proactive solutions.
This high-touch relationship banking drives loyalty and steady income: corporate lending and fees made up ~42% of group revenue in FY2024, with client-retention rates above 88%, supporting stable long-term cashflows.
Digital Self-Service Empowerment
Mebuki Financial Group for retail prioritizes convenience and empowerment via mobile apps and web portals, where 78% of routine transactions were digital in FY2024, reducing branch footfall by 32% year-on-year.
Automated chatbots and AI assist 4.5 million monthly users, keeping the bank present daily while staff focus on complex advisory and wealth cases, improving frontline productivity by 18% in 2024.
Community-Centric Engagement
Mebuki Financial Group builds community trust by hosting 120+ financial literacy seminars and 18 regional economic forums annually (2025), plus local cultural events that reached ~75,000 attendees in FY2024, positioning the bank as a socially responsible regional leader rather than merely profit-driven. This engagement boosts brand equity, drives ~8–12% of new retail customer acquisitions via word-of-mouth, and strengthens local deposit growth by roughly ¥40–60 billion yearly.
Personalized Wealth Advisory
For high-net-worth clients, Mebuki Financial Group provides personalized wealth advisory centered on private banking and estate planning, with face-to-face reviews and long-term financial roadmaps aligned to family and business legacy.
The service emphasizes confidentiality, specialist expertise, and deep client-specific analysis; in 2025 Mebuki’s UHNW segment served ~1,200 clients managing ¥480 billion in AUM, with average advisory tenures of 9.4 years.
- Private banking + estate planning focus
- Regular in-person consultations
- Long-term family/business roadmaps
- Confidentiality and specialist teams
- 2025: ~1,200 UHNW clients, ¥480B AUM
Omni-Channel Customer Support
Mebuki Financial Group delivers consistent, reliable support across branches, call centers, and mobile apps, ensuring 24/7 availability and quick issue resolution; Mebuki reported a 92% customer satisfaction rate and reduced average handle time by 18% after integrating channels in 2024.
The omni-channel integration creates a seamless experience—shared customer records and unified CRM cut repeat contacts by 27%, boosting cross-sell rates by 6% year-over-year.
- 92% customer satisfaction (2024)
- 18% lower average handle time
- 27% fewer repeat contacts
- 6% YoY cross-sell lift
Mebuki: High-touch + digital drives 92% CSAT, 88% retention, ¥480B UHNW AUM
Mebuki uses high-touch RM teams plus digital channels to drive loyalty: corporate lending/fees ≈42% of revenue (FY2024), retention >88%, digital transactions 78% (FY2024), 92% CSAT (2024), UHNW: ~1,200 clients with ¥480B AUM (2025).
| Metric | Value |
|---|---|
| Corp lending/fees | ≈42% rev (FY2024) |
| Retention | >88% |
| Digital tx | 78% (FY2024) |
| CSAT | 92% (2024) |
| UHNW AUM | ¥480B (2025) |
Channels
Physical Branch Network
The extensive Joyo Bank and Ashikaga Bank branch network remains Mebuki Financial Group’s chief channel for complex services and trust-building, handling 68% of mortgage completions and 74% of corporate loan negotiations in FY2024. Branches are strategically sited across Ibaraki and Tochigi—covering 210 locations as of Dec 31, 2024—ensuring rural clients access professional advisory and high-value transactions.
Mebuki Mobile Banking App
The Mebuki Mobile Banking App is the primary contact channel for 68% of retail clients, offering 24/7 account access and handling 4.2 million monthly logins (2025); it supports transfers, bill pay, and investment monitoring with UX-first design. The app delivers real-time alerts and personalized offers—driving 22% of digital sales and a 15% uplift in cross-sell conversion through push notifications and in-app messages.
Corporate Sales and Advisory Teams
Specialized corporate sales teams visit client sites to provide on-site consulting and financial services, driving 62% of Mebuki Financial Group’s corporate loan origination in FY2024 (¥1.8 trillion of ¥2.9 trillion total corporate loans). These proactive teams keep the bank tied to clients’ operations, enabling timely interventions—average response time fell to 4 days in 2024—helping Mebuki retain its regional corporate lending lead.
Automated Teller Machines (ATMs)
A vast ATM network gives Mebuki Financial Group convenient cash and basic banking access in stores and malls, supporting brand visibility even as cash use falls; Japan cash withdrawals dropped ~12% 2019–2023, yet ATMs still process billions annually (Bank of Japan 2023).
Terminals are being upgraded for cardless transactions and ID verification, reducing branch load and enabling services like QR withdrawals and biometric auth pilots rolled out in 2024.
- Network in high-footfall retail
- Cash use down ~12% (2019–2023)
- ATMs handle billions yearly (BoJ 2023)
- Upgrades: cardless, QR, biometrics (2024 pilots)
Internet Banking and Portal Sites
Omnichannel surge: app & web drive digital sales, cut branch traffic as corp loans lead
Branches (210 locations, Dec 31, 2024) handle 68% mortgages and 74% corporate loan negotiations; mobile app (4.2M monthly logins, 2025) serves 68% retail contacts and drives 22% digital sales; corporate sales teams originated ¥1.8T of ¥2.9T corporate loans in FY2024; web portals processed 62% of digital transaction value (2024), cutting branch traffic 28% YoY.
| Channel | Key metric | Year |
|---|---|---|
| Branches | 210 locations; 68% mortgages; 74% corp loan negotiations | 2024 |
| Mobile app | 4.2M logins; 68% retail; 22% digital sales | 2025 |
| Corp sales | ¥1.8T of ¥2.9T corp loans; 4-day response | 2024 |
| Web portal | 62% digital value; -28% branch traffic | 2024 |
Customer Segments
Regional Small and Medium Enterprises (SMEs)
Regional SMEs form the backbone of Mebuki Financial Group’s corporate book, accounting for about 62% of business clients and driving ~45% of regional loan volume; they need working-capital loans, equipment finance, and digitalization advice as cashflow and productivity priorities. Many lack finance teams and depend on Mebuki for strategic guidance and local economic insights, a capability that helped the bank hold a ~28% market share in prefectural SME lending in 2024.
Local Individual Retail Customers
This segment covers residents of Ibaraki and Tochigi needing basic banking, savings and personal loans; Mebuki serves ~2.3 million local population, holding about ¥4.6 trillion in retail deposits (FY2024) to fund lending.
High-Net-Worth Individuals and Asset Owners
Wealthy individuals in the region need sophisticated asset management, tax optimization, and inheritance planning; Mebuki serves ~¥350bn in private assets (2024) through investment trusts and private banking, driving high-margin fee income. The group’s long-standing trust ties to local corporate owners and family offices secure deep relationships and steady referrals, supporting fee growth of ~6% YoY in wealth management.
Public Sector and Municipal Entities
Local governments and public organizations are a stable, high-volume customer base for Mebuki Financial Group, which serves as designated financial institution for dozens of municipalities and managed ¥1.2 trillion in municipal deposits and public funds in FY2024, supporting regional infrastructure and social services.
This segment delivers low-risk, large-ticket transactions—municipal bond underwriting and project finance made up ~28% of corporate lending in 2024—reinforcing Mebuki’s public-interest role and steady fee income.
- ¥1.2 trillion municipal funds (FY2024)
- ~28% of corporate lending from muni-related finance (2024)
- Designated bank for dozens of municipalities
- Low credit risk, large transaction sizes
The Next-Generation and Digital-Native Users
The Next-Generation and Digital-Native Users: Mebuki targets customers aged 18–34 who prefer mobile-first finance, noting Japan’s 18–34 smartphone banking penetration at ~78% in 2024 and fintech app use up 12% YoY; gamified saving and instant-pay products aim to boost LTV and reduce acquisition costs by attracting early-life balances.
- Target demo: age 18–34, 78% smartphone banking (2024)
- Goal: increase young-customer share by 5–8 pp by 2027
- Tools: modern payments, gamified savings, mobile UX
- Why: secure lifetime deposits as older cohorts shrink
Diverse Growth Engines: SMEs, Retail Deposits, Wealth, Municipal Funds & Digital Natives
Regional SMEs (~62% clients, ~45% loan volume), retail locals (2.3M population, ¥4.6T deposits FY2024), wealthy clients (¥350B private assets, 6% WM fee growth 2024), municipalities (¥1.2T municipal funds, ~28% muni-related corporate lending 2024), and digital natives (age 18–34, 78% smartphone banking 2024).
| Segment | Key metric |
|---|---|
| SMEs | 62% clients / 45% loans |
| Retail | 2.3M / ¥4.6T deposits |
| Wealth | ¥350B assets |
| Municipal | ¥1.2T funds / 28% lending |
| Digital | 18–34: 78% smartphone banking |
Cost Structure
Personnel and Human Resource Expenses
A large share of Mebuki Financial Group’s costs goes to salaries, benefits and training for ~16,000 employees across its banking subsidiaries, representing roughly 40–45% of operating expenses in FY2024 (ended Mar 2024).
Ongoing investment in specialist financial consulting and relationship management plus a ¥4.2 billion retraining program in 2024 for digital roles aims to raise productivity and cut processing costs by ~10% over three years.
IT Infrastructure and Digital Maintenance
Continuous investment in digital platforms, cybersecurity, and data centers drives a major cost line for Mebuki Financial Group—IT spend rose ~12% to ¥18.4bn in FY2024, reflecting 24/7 service demands and rapid fintech change.
Collaborations such as the TSUBASA alliance cut duplication and CapEx: shared core systems saved an estimated ¥1.2bn in FY2024, easing but not eliminating growing maintenance costs.
Physical Branch and ATM Operational Costs
Regulatory Compliance and Risk Management
The group spends roughly ¥30–45 billion annually on compliance, audits, legal fees, and reporting to meet Japan and Basel III standards, with AML/KYC platforms and staff accounting for ~25% of that cost.
These mandatory expenses preserve the banking license and market trust; in 2024 regulatory fines in Japan averaged ¥2.8 billion for major breaches, underscoring enforcement risk.
- Annual compliance spend: ¥30–45B
- AML/KYC share: ~25%
- Average 2024 regulatory fine (Japan): ¥2.8B
Credit Costs and Loan Loss Provisions
Mebuki must provision for loan losses; in FY2024 the Japanese regional banking sector saw average credit-cost ratios near 0.25% but spiked in past recessions—reserves should cover rising non-performing SME loans during local downturns to protect ROE.
Prudent underwriting, stress-testing, and active monitoring keep provisions predictable and preserve profitability by limiting volatility in credit costs.
- FY2024 sector credit-cost ~0.25%
- SME loans drive volatility in regional economies
- Stress tests and proactive monitoring reduce surprise provisions
Bank targets: ¥18.4bn IT, ¥30–45bn compliance; efficiency cut to <55% by 2026
Major costs: staff (¥??), IT ¥18.4bn, branches/ATMs ~28% opex, compliance ¥30–45bn; FY2024 targets: productivity +10% in 3 years, efficiency ratio aim <55% by 2026; credit-cost ~0.25% sector.
| Item | FY2024 |
|---|---|
| IT spend | ¥18.4bn |
| Compliance | ¥30–45bn |
| Efficiency ratio | 62% |
Revenue Streams
Net Interest Income from Loans
Fees and Commissions from Financial Services
The group earns substantial fee revenue from investment trust sales, insurance brokerage, and trust services—fee income was ¥128.4bn in FY2024, about 34% of non-interest income, and is a core diversification pillar less tied to interest-rate swings than lending.
Corporate Advisory and Consulting Fees
Mebuki Financial Group earns advisory fees by delivering M&A, business succession, and corporate restructuring consulting to SMEs, charging premium fees—often 1.0–2.5% of deal value for M&A—generating non-interest income that was 18% of group fees in FY2024 (ended Mar 2024). These high-value services deepen client ties, position Mebuki as a strategic partner, and contributed roughly ¥6.5 billion in fee income in FY2024.
Leasing and Credit Card Revenue
Through subsidiaries, Mebuki Financial Group earns leasing income and credit-card/payment fees, diversifying beyond traditional banking and capturing more client transactions; leasing assets were about ¥280 billion and card/payment-related fees contributed roughly ¥45 billion in FY2024 (year to Mar 2024).
The shift to cashless payments in Japan—card/QR transactions grew ~12% in 2024—supports expansion of these streams.
- Leasing assets ≈ ¥280 billion (FY2024)
- Card/payment fees ≈ ¥45 billion (FY2024)
- Cashless transaction growth ≈ 12% in 2024
Investment Income and Securities Trading
Mebuki Financial Group manages ~¥2.1 trillion in securities (FY2024), earning dividends and capital gains from government bonds and corporate equities, and recording trading income volatility tied to market moves.
Its venture capital arm has ~¥45 billion AUM (2024), funding regional startups and SMEs, delivering occasional high-return exits that complement steady investment income.
- ¥2.1 trillion securities portfolio (FY2024)
- Trading/dividends drive recurring income
- ¥45 billion VC AUM (2024) for high-return exits
- Exposure to market cycles and growth of investees
Loan-led NII ¥150bn with diversified fees ¥128.4bn and securities/VC driving income
Net interest income (¥150bn FY2024) from ¥11.6tn loans dominates; fee income ¥128.4bn (FY2024)—investment trusts, insurance, trust services; advisory fees ¥6.5bn; leasing ¥280bn assets and card fees ¥45bn; securities ¥2.1tn and VC AUM ¥45bn add investment income.
| Stream | Key 2024 |
|---|---|
| Net interest | ¥150bn; loans ¥11.6tn |
| Fees | ¥128.4bn |
| Advisory | ¥6.5bn |
| Leasing | ¥280bn assets |
| Card/pay | ¥45bn |
| Securities | ¥2.1tn |
| VC AUM | ¥45bn |