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 Although Ibaraki Prefecture ranks only 24th in size among Japan's 47 prefectures, it ranks 4th in terms of usable area.

As a consequence of this, Joyo Bank has had to maintain a large but inefficient branch network.

During the 1980s and 1990s, the Joyo Bank opened up representative offices in major markets such as New York City (1987 – 2002), London (1982 – 2000), Hong Kong (1994 – 1999), and Shanghai (est.

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