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() is a Japanese regional bank that is headquartered in Mito city, Ibaraki Prefecture. The bank is relatively large among Japanese regional lenders, and operates branches throughout the Kantō region. In addition to branches in Miyagi, Fukushima, Chiba, Saitama, Tokyo, and Osaka prefectures, the bank also operates a representative office in Shanghai. While the bank has many stakeholders, prominent shareholders include the Bank of Tokyo-Mitsubishi, along with several major Japanese insurance companies Ibaraki Prefecture is located to the northeast of Tokyo and has a total population of 3,976,000. Although the prefecture ranks only 24th in size among Japan's 47 prefectures, it ranks 4th in terms of usable area. It is therefore one of the leading producers of agricultural products and has a largely rural population. As a consequence of this, Joyo Bank has had to maintain a large but inefficient branch network. This feature has helped the bank by limiting competition from other banks, with the result that Joyo Bank has been able to command a 38% market share of deposits and 42% share of loans in Ibaraki. ==Profile== As of March 31, 2005 :Assets: Approximately 6.1 trillion yen (approximately US$56 billion) :Employees: 3,512 :Branches: 145 branches, 25 sub-branches, 1 overseas representative office :President: Kunio Onizawa :Member: Regional Banks Association of Japan 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Joyo Bank」の詳細全文を読む スポンサード リンク
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