Japan · Financial institution
The Joyo Bank Limited
Legal name in the LEI record株式会社常陽銀行
The Joyo Bank, Ltd. (株式会社常陽銀行) is a Japanese joint-stock company (kabushiki kaisha). Its head office is in Mito, Ibaraki Prefecture. It is a wholly owned subsidiary of Mebuki Financial Group, Inc., which also owns the Ashikaga Bank. It is a regional bank serving Ibaraki and nearby prefectures, with representative offices in Shanghai, Singapore, New York and Hanoi. It was formed on 30 July 1935 through the merger of the Tokiwa Bank and the Goju Bank, and it came under Mebuki Financial Group through a share exchange on 1 October 2016.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- JOYOJPJTXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under JOYOJPJT directly.
- Swift GPI
- Live member
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 1981-03-09
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Mebuki Financial Group, Inc. (株式会社めぶきフィナンシャルグループ)
Institution type
Commercial bank
Trades as The Joyo Bank, Ltd.
- Ownership
- Mebuki Financial Group, Inc., a holding company listed on the Tokyo Stock Exchange, holds 100% of the bank.
- Direct parent
- Mebuki Financial Group, Inc. (株式会社めぶきフィナンシャルグループ) ↗, Japan 100%
- Major shareholder
- Mebuki Financial Group, Inc. 100%
- Head office
- 2-5-5 Minami-machi (南町2丁目5番5号), 310-0021 Mito, Japan
- Company register
- Corporate Number (法人番号) 1050001001231
Business lines
As of 31 March 2026 the bank reported 180 domestic offices, mainly in Ibaraki Prefecture, and four overseas representative offices. It offers deposit, lending, trust, investment-product and foreign-exchange services.
Online
- Websites & references
- joyobank.co.jp ↗
joyobank.co.jp/eng ↗ English-language corporate site
Wikipedia ↗ - Official social accounts
- None found
Sources · 14 pages consulted
- joyobank.co.jp/
- joyobank.co.jp/kabunushi/corporate/officer.html
- joyobank.co.jp/kabunushi/corporate/history.html
- joyobank.co.jp/eng/corporate.html
- joyobank.co.jp/personal/service/gaikoku_soukin.html
- pdf.irpocket.com/C8333/w4ok/kgJ9/rb7h.pdf
- pdf.irpocket.com/C8333/NvAy/pb8Z/jlUG.pdf
- xml.irpocket.com/C0060/2026/ashikaga339.pdf
- nikkei.com/article/DGXZTSJT71001_W6A310C2000000/
- nikkei.com/article/DGXZQOCC307XK0Q5A930C2000000/
- rocket-boys.co.jp/security-measures-lab/joyobank-netbanking-transfer-suspension/
- info.gbiz.go.jp/hojin/ichiran?hojinBango=1050001001231
- en.wikipedia.org/wiki/Joyo_Bank
- ja.wikipedia.org/wiki/%E5%B8%B8%E9%99%BD%E9%8A%80%E8%A1%8C
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Tetsuya Akino (秋野 哲也) Director and President (Representative Director) (取締役頭取（代表取締役）); also President of Mebuki Financial Group
- Chair
- Ritsuo Sasajima (笹島 律夫) Director and Chairman (取締役会長)
- Executive
- Toshihiko Ono (小野 利彦) Director, Senior Managing Executive Officer (取締役 専務執行役員), in charge of management strategy, corporate management and group companies
- Executive
- Ken Akiyama (秋山 謙) Director, Managing Executive Officer (取締役 常務執行役員), in charge of risk management; officer responsible for anti-money laundering
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Japan
- Financial Services Agency Prudential supervisorAML supervisorConductResolution
- Japan
- Bank of Japan Central bank
- Japan
- Ministry of Finance Foreign exchange
Recent events 4 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Incident
The bank suspended some internet-banking transfers to other banks after voice-phishing calls impersonated it. Retail transfers resumed on 16 July 2026.
rocket-boys.co.jp ↗ -
Leadership
Directors Koichi Komatsuzaki, Shinobu Takanawa and Yasuhiko Sugita left the board on 24 June 2026. Ken Akiyama, Ayumu Yokoyama and Masako Nagayama joined it.
nikkei.com ↗ -
Incident
The bank disclosed that a former credit-card employee raised his own credit limit and withdrew JPY 23.51 million between 2016 and 2024.
pdf.irpocket.com ↗ -
Incident
The bank disclosed that a list of 65 corporate clients, including internal ratings, was left with a third party at its Toride branch in 2020.
nikkei.com ↗ -
Incident
The bank disclosed that a former employee at its Sakai branch embezzled JPY 53.98 million in cash between 2022 and 2023.
pdf.irpocket.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- JOYOJPJTXXX
- How the BIC breaks down
- JOYOBank
- JPCountry · Japan
- JTLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300GJDYJNN6MDVX74
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Japan · East Asia & Pacific
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
- Direct parent
- Mebuki Financial Group, Inc. · Japan353800K1RXV3E3JAE812 ↗
The Mebuki Financial Group, Inc. group has 2 institutions in the directory, in 1 country: all hold a BIC.
Including The Ashikagabank LTD.
See the Mebuki Financial Group, Inc. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 5-5 MINAMI- MACHI 2- CHOME MITO - IBARAKI 310-0021 JAPAN
- Operational address
- 5-5 MINAMI- MACHI 2- CHOME MITO MITO 310-0021 JAPAN
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>JOYOJPJTXXX</BICFI>
<LEI>549300GJDYJNN6MDVX74</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>JOYOJPJTXXX</BICFI>
<LEI>549300GJDYJNN6MDVX74</LEI>
<Nm>THE JOYO BANK LIMITED</Nm>
<PstlAdr>
<TwnNm>MITO</TwnNm>
<Ctry>JP</Ctry>
<AdrLine>5-5 MINAMI- MACHI 2- CHOME MITO - IBARAKI 310-0021</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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