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中京銀行 (Chukyo Bank, historical)

Confidence: Likely Updated 2026-05-26 Review by 2026-11-20 Sources 6 Machine-translated Original (JA)
#JapanFG#banking#second-regional-bank#chubu#aichi#historical
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This entry sits under the regional-banks INDEX as the historical predecessor anchor for current operating bank Aichi Bank under Aichi FG. Read it against the The Bank of Nagoya in-prefecture rival and San Jusan Bank / The Juroku Bank Chubu peers, and against regional-bank consolidation pattern for the broader system / regulatory boundary.

TL;DR

Chukyo Bank, Ltd. (株式会社中京銀行) was a second regional bank headquartered in Nagoya City, Aichi Prefecture, that merged with the former Aichi Bank in 2025-01-01 and was consolidated into Aichi Bank (operating boundary migration complete). Established through the 1953 年 consolidation of “第三相互無尽 + 第十七相互無尽,” it was a typical “mutual-bank-origin second regional bank” that went through the path of mutual savings bank → second regional bank ordinary-bank conversion. The former securities code TSE 8530 was delisted at the time of Aichi FG‘s establishment (2022-10), and this page is positioned not as the current legal entity but as a pre-merger historical anchor.

1. License / group boundary

ItemNotes
Legal name (historical)株式会社中京銀行
English nameThe Chukyo Bank, Ltd.
License routeBanking Act second regional bank; FSA bank license list (deregistered 2025-01-01)
Group boundaryaichi-fg 100% subsidiary until 2025-01-01
Current successor[[regional-banks/aichi-bank
Headquarters (historical)名古屋市中区栄 3-33-13
Wiki roleHistorical predecessor anchor; current operating boundary moved to aichi-bank

2. 統合・解散プロセス (holding-company tree)

Before 2022-10 : independent second regional bank (TSE PRIME 8530)
   ↓ joint share transfer
2022-10-03: establishment of [[regional-banks/aichi-fg|あいち FG]] (holding company・TSE PRIME 7389)
   ├── 株式会社愛知銀行 (former 8527, subsidiarized in 100%)
   └── 株式会社中京銀行 (former 8530, subsidiarized in 100%) ← this page
        ↓ subsidiary-bank integration
2025-01-01: Aichi Bank + Chukyo Bank → [[regional-banks/aichi-bank|あいち銀行]] merger
   ↓
[[regional-banks/aichi-fg|あいち FG]] (holding company・PRIME 7389)
  └── [[regional-banks/aichi-bank|あいち銀行]] (single bank operating subsidiary)

戦前・戦時源流

  • 1944: establishment of 名古屋無尽 (one of the oldest origins of the former Chukyo Bank)
  • After the war, it followed the ordinary-bank conversion route of 無尽会社 → 相互銀行 → 第二地方銀行

中京銀行 establishment (1953)

  • 1953: establishment of 中京相互銀行 (consolidation of former 第三相互無尽 + 第十七相互無尽)
  • Nagoya intra-city / small and micro base, typical of a mutual-bank-origin second regional bank
  • Member of the Second Association of Regional Banks (zenshin-kyo / 第二地銀協会)

普通銀行転換と上場

  • 1989: ordinary-bank conversion → renamed 株式会社中京銀行
  • 1990 年 era: established a main-bank position for small and micro enterprises within Nagoya City and Aichi Prefecture
  • 2000-2010 年 era: restructuring pressure due to the over-supply of regional banks within Aichi Prefecture (Aichi Bank + Chukyo Bank + The Bank of Nagoya)

経営統合と消滅

  • 2022-04-21: announcement of basic agreement on the management integration of Aichi Bank + Chukyo Bank
  • 2022-10-03: establishment of Aichi FG, both banks subsidiarized in 100%
  • 2025-01-01: Aichi Bank + Chukyo Bank merger → trade name Aichi Bank, Chukyo Bank dissolved and ceased to exist

4. KPI table (historical, 2024-03 final-settlement basis)

Source: あいち FG 有価証券報告書「中京銀行 単体情報」(2024-03-31 / 2023 年 year).

項目概況
預金残高 (単体, 2024-03 末)1 兆 9,642 億円 (1,964,221 百万円)
貸出金残高 (単体, 2024-03 末)1 兆 5,617 億円 (1,561,741 百万円)
総資産 (単体, 2024-03 末)2 兆 2,086 億円 (2,208,592 百万円)
従業員 (単体, 2023 年度)800 名 (外、平均臨時従業員 362 名)
営業店舗数 (合併直前)約 86 店規模 (2021-03 末 87 店ベース、主に愛知県内; 出張所除く)
旧上場コード東証 PRIME 8530 (2022-09-29 上場廃止)

5. 業務線 (pre-merger)

セグメント特徴
名古屋市内法人small and micro enterprises・small-scale commerce and industry main bank
愛知県内個人deposits・housing loans (flexible screening retaining the mutual-bank character)
トヨタサプライチェーンparticipation in lending to the 中京 economic zone (second- and third-tier suppliers)
不動産Nagoya-area real estate-related lending

Integration synergies through aichi-fg

  • Branch consolidation of overlaps (adjacent branches within Nagoya City and Aichi Prefecture)
  • Core system integration (understood to be consolidated toward the former Aichi Bank system)
  • Reorganization of the sales network and improvement of the cost structure
  • Consolidation of mid-tier-enterprise main-bank transactions (single-window via aichi-bank)

残存課題

  • Residual restructuring pressure from the intra-prefecture regional-bank over-supply problem (nagoya-bank continuing independently)

7. 規制・政策

  • License status: deregistered 2025-01-01 (merger into aichi-bank)
  • 業界団体 (historical): member of the Second Association of Regional Banks (lost eligibility upon merger; the current aichi-bank continues membership in the Second Association of Regional Banks)
  • 主管 (historical): 金融庁 (FSA) / Banking Act Article 4 license
  • 直近政策論点 (immediately before merger):
    • restructuring pressure from the intra-prefecture regional-bank over-supply problem
    • 2023〜 expectations of margin improvement from BOJ rate hikes were consolidated after the aichi-bank merger

Sources

[!info] Verification status confidence: likely (historical predecessor anchor created 2026-05-24). The current operating boundary has been migrated to Aichi Bank (2025-01-01); this page handles, as a disambiguation anchor, the history, KPI, and merger process of the pre-merger independent second regional bank. The final financial KPIs are confirmed in aichi-fg 有価証券報告書「中京銀行 単体情報」(2024-03-31) (deposits 1 兆 9,642 億円 / loans 1 兆 5,617 億円 / employees 800 名).