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The Bank of Kyoto, Ltd.

Business Summary

The Bank of Kyoto, Ltd. engages in the provision of financial services. It operates through the Banking Business and Others segments. The Banking Business segment includes deposits and loans services, trading securities, securities investment, and domestic and foreign exchange services. The Others segment includes credit guarantee, lease, and credit card businesses. The company was founded on October 1, 1941 and is headquartered in Kyoto, Japan.

Financial Highlights

Mar 2023 JPYUSD
Gross Profit----
Operating income38,190M281.80M
Income before tax37,776M278.75M
Net income27,213M200.80M
Diluted EPS362.512.67
Dividends Per Share1401.03
Total Assets11,037.61B82,933.43M
Total liabilities10,045.02B75,475.39M
Total equity989,630M7,435.79M
Operating cash flow32,262M238.06M
Currency in JPYCurrency in USD

Historical Data

 Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Revenue 129,772M 110,703M 107,021M 126,847M 123,378M
Gross Profit -- -- -- -- --
Operating income 44,765M 29,043M 25,133M 30,081M 38,190M
Income before tax 44,940M 28,686M 23,043M 28,440M 37,776M
Net income 31,681M 20,384M 16,860M 20,622M 27,213M
EBITDA -- -- -- -- --
Diluted EPS 418.78 269.40 222.78 272.55 362.51
Dividends Per Share 100 60 60 100 140
Total Assets 9,665.12B 10,078.46B 12,273.90B 12,210.96B 11,037.61B
Total liabilities 8,814.18B 9,243.47B 11,105.75B 11,120.82B 10,045.02B
Total equity 848,719M 832,738M 1,165.72B 1,087.81B 989,630M
Operating cash flow 14,276M 12,532M 46,764M 7,357M 32,262M
 Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Revenue 1,170.22M 1,018.18M 1,009.08M 1,128.80M 910.42M
Gross Profit -- -- -- -- --
Operating income 403.67M 267.12M 236.97M 267.68M 281.80M
Income before tax 405.24M 263.83M 217.26M 253.08M 278.75M
Net income 285.68M 187.48M 158.97M 183.51M 200.80M
EBITDA -- -- -- -- --
Diluted EPS 3.77 2.47 2.10 2.42 2.67
Dividends Per Share 0.90 0.55 0.56 0.88 1.03
Total Assets 87,321.02M 93,357.99M 111,076.09M 100,605.29M 82,933.43M
Total liabilities 79,633.09M 85,623.36M 100,504.57M 91,623.65M 75,475.39M
Total equity 7,667.87M 7,713.75M 10,549.58M 8,962.38M 7,435.79M
Operating cash flow 128.73M 115.26M 440.93M 65.46M 238.06M

Valuation Measures

Mar 2023
Operating margin30.95%
Profit margin22.05%


  • President & Director: Mikiya Yasui
  • Executive Officer: Hiroshi Okuno
  • Senior Managing Director & GM-Sales: Masaya Anami
  • General Manager: Etsuji Motomasa
  • Auditor: Yoshihiko Hamagishi


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  • Meiji Yasuda Life Insurance Co. (3.2%)
  • The Vanguard Group, Inc. (3.1%)
  • Nomura Asset Management Co., Ltd. (2.7%)
  • Kyocera Corp. (2.1%)
  • Omron Pension Fund (2.0%)
  • The Bank of Kyoto, Ltd. (1.9%)
  • Sumitomo Life Insurance Co. (1.7%)

Contact Details

  • Website:
  • Address: 700 Yakushimae-cho, Karasuma-dori, Matsubara-Agaru, Kyoto, 600-8652, Japan
  • Phone: +81.75.361.2211

Related Companies

  • Kyogin Securities Co., Ltd.
  • Kyogin Card Service Co. Ltd.
  • Kyoto Credit Service Co. Ltd.
  • Karasuma Shoji Co. Ltd.
  • Bank of Kyoto Restricted Stock Compensation Plan
  • Kyoto Research Institute, Inc.
  • Kyoto Shinyo Hosho Service KK
  • Kyogin Lease & Capital Co. Ltd. /Private Equity/
  • Bank of Kyoto Ltd. /Dalian/
  • Bank of Kyoto Ltd. (Shanghai)
  • Bank of Kyoto Ltd. (Bangkok)
  • Kyoto Guaranty Service Co. Ltd.
  • Kyogin Lease & Capital Co. Ltd.
  • Bank of Kyoto Employee Stock Ownership Plan


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