Since 2000 it has invested heavily, opening new branches in areas along the railway lines between Kyoto and Osaka in Osaka Prefecture in addition to neighboring Shiga and Nara prefectures, and it is actively competing with Shiga Bank and Nanto Bank as well as major city banks.
2000年以降、隣県の滋賀県や奈良県に加え、大阪府でも京阪間の鉄道沿線を中心に出店・融資攻勢を強め、大手銀行のほか、滋賀銀行、南都銀行などとしのぎを削っている。