The Gunma Bank, Ltd. (群馬銀行)

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This entry sits under regional-banks INDEX. Read it against Chiba Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

A regional bank based in Gunma Prefecture (TSE PRIME 8334). **Established as Gunma Daido Bank in 1932-09 ** (merger of Daido Bank + Gunma Shoko Bank + Kuroiwa Bank) → **renamed Gunma Bank in 1955 **. A leading example of a Tokyo-metropolitan-area PRIME-listed regional bank that maintains a standalone-bank structure without converting to a holding company. Against the backdrop of the SUBARU Ota plant / Joshin-etsu Expressway economic zone, automotive-related supply-chain lending is an important customer base. 2015 Through participation in the TSUBASA Alliance, it shares systems and coordinates overseas support.

1. Company overview

Legal name: The Gunma Bank, Ltd. (株式会社群馬銀行) English name: The Gunma Bank, Ltd. Securities code: TSE PRIME 8334 (listed 1949 ; continued PRIME under the market-segment review) Established: 1932-09 (as Gunma Daido Bank) Current name: 1955 renamed Gunma Bank Head office: Motosoja-machi, Maebashi City, Gunma Prefecture Governance design: Company with an audit and supervisory committee ^[likely] Business category: Regional bank (member of the Regional Banks Association of Japan) / standalone bank (not converted to a holding company)

The point on not converting to a holding company

While mega-banks 3 行 and leading regional banks (such as mebuki-fg / concordia-fg / fukuoka-fg) move toward holding-company conversion, Gunma Bank maintains a standalone-bank structure. This is because:

As a region-focused, single-prefecture bank, the business-diversification benefit of holding-company conversion is small
Subsidiaries (leasing, cards, consulting) can be adequately managed as direct subsidiaries under the bank
There is no integration / management-integration counterpart (the only PRIME regional bank in the prefecture)

Major subsidiaries / affiliated businesses ^[likely]

Gunma Bank (standalone / listed 8334)
  ├── Gungin Lease ── leasing subsidiary
  ├── Gungin Card Service ── credit cards / loans
  ├── Gungin Securities ── bank-securities cooperation (regional-bank securities-subsidiary model)
  ├── Gungin Consulting ── corporate solutions
  ├── Gungin Business Service ── back-office outsourcing
  └── Gunma Bank (China / NY / Hong Kong, etc.) representative offices ── overseas support

Key chronology (excerpt)

Date	Event
1932-09	Gunma Daido Bank established (merger of Daido Bank + Gunma Shoko Bank + Kuroiwa Bank 3 行)
1949	Listed on the TSE (postwar reconstruction period)
1955	Renamed Gunma Bank (current name)
High-growth period	Expansion of the operating base in Gunma Prefecture and northern Saitama in the metropolitan area
1990s	Maintained independence even through the bubble collapse and regional-bank reorganization period
2015	Joined the TSUBASA Alliance (the wide-area regional-bank alliance led by Chiba Bank)
Late 2010s	Expanded overseas representative offices (China, Hong Kong, NY, etc.)
2022-04	TSE market-segment review → continued TSE PRIME 8334
2024	Medium-term management plan (specific period and name should be checked against published IR) ^[likely]

2. Business segment map

Segment	Characteristics
In-prefecture corporate	Automotive-related (SUBARU Ota plant group / parts suppliers) / manufacturing clusters
Metropolitan expansion	Operating expansion in northern Saitama (Kumagaya, Honjo, Fukaya) / northern Tokyo
Individual	Largest in-prefecture share, centered on mortgages / pension accounts
Bank-securities cooperation	Investment trusts / bonds / fund wraps via Gungin Securities
Leasing / cards	Gungin Lease / Gungin Card Service
Overseas support	Representative offices (China, NY, Hong Kong, etc.) → complemented via TSUBASA
Digital	TSUBASA shared infrastructure + own app

Operating-area geography

Base: All of Gunma Prefecture (Maebashi, Takasaki, Ota, Kiryu, Isesaki, Tatebayashi, etc.)
Expansion into adjacent prefectures: Saitama Prefecture (Kumagaya, Honjo, Fukaya, Kawagoe) / Tochigi Prefecture / northern Tokyo / Kanagawa / Chiba / Osaka / Nagoya
Characteristics: Logistics / manufacturing along the Joshin-etsu Expressway economic zone (Kan-etsu Expressway + Joshin-etsu Expressway) → automotive / parts / electronics supply-chain lending

Industrial-base characteristics

SUBARU (Fuji Heavy Industries) Ota plant: The flagship assembly plant in Ota City, Gunma → hundreds of parts suppliers clustered in the prefecture → the core customer group for Gunma Bank corporate lending
Joshin-etsu Expressway economic zone: Gunma / Nagano / Niigata logistics artery → warehouse / logistics / e-commerce-related corporate lending
Tourism: Hot-spring resorts such as Kusatsu and Ikaho, the Tomioka Silk Mill (World Heritage) → tourism-industry loans
Agriculture: Konjac, cabbage, sericulture (historical) → agricultural-corporation lending

TSUBASA Alliance participation

TSUBASA Alliance = the wide-area regional-bank cooperation framework led by Chiba Bank. Member banks: Chiba Bank, Daishi Hokuetsu Bank, Chugoku Bank, Iyo Bank, Toho Bank, Hokuyo Bank, Musashino Bank, Shiga Bank, Ryukyu Bank, Gunma Bank, etc. .

Benefits of Gunma Bank’s participation:

Core-system sharing (cost distribution)
Overseas support (use of member banks’ overseas bases → no need to hold its own)
Joint product / service development (investment trusts, fund wraps, cyber measures)
Personnel exchange / training

Competitive structure

Competitor	Characteristics
towa-bank Towa Bank	The No. 2 regional bank in Gunma Prefecture, head office in Maebashi City, standalone-bank structure, Gunma Bank’s largest in-prefecture competitor
Gunma Mirai Credit Cooperative	A credit cooperative (formed by the 2012-11 merger of Kamitsuke Credit Cooperative + Higashi-Gunma Credit Cooperative, head office in Takasaki City), small-lot / community-focused
mebuki-fg Ashikaga Bank	Based in Tochigi Prefecture but competes operationally in eastern Gunma / northern Saitama, Mebuki FG holding-company structure
Musashino Bank	Based in Saitama Prefecture, competes with Gunma Bank’s expansion into northern Saitama
Mega 3 行	Competes with mufg / smfg / mizuho-fg for large corporates / listed companies

4. Regulation / policy

Supervision: Financial Services Agency (FSA) / Kanto Local Finance Bureau
Industry: Member of the Regional Banks Association of Japan (Chigin-kyo); not a member of the Second Association of Regional Banks (a No. 1 regional bank)
Capital regulation: Basel III domestic-standard bank ^[likely]
Deposit insurance: Member of the Deposit Insurance Corporation
Recent policy issues:
- 2024〜 BOJ policy-rate normalization → improved domestic deposit-loan spreads → regional-bank earnings bonus
- Regional-bank reorganization pressure (FSA / public funds / recommendation of holding-company conversion) vs the decision to maintain a standalone bank
- Automotive-industry EV transition → risk of structural change in the parts supply chain (dependence on SUBARU-group borrowers)

towa-bank · mebuki-fg · mufg · smfg · mizuho-fg
TSUBASA Alliance: Chiba Bank / Daishi Hokuetsu Bank / Chugoku Bank / Iyo Bank / Toho Bank, etc.

Sources

Wikipedia: 株式会社群馬銀行（https://ja.wikipedia.org/wiki/群馬銀行, 2026-05-19 抽出）
群馬銀行公式 IR（中期経営計画・有価証券報告書）公開資料
TSUBASA アライアンス公式
全国地方銀行協会加盟行リスト
Wikipedia: ぐんまみらい信用組合（https://ja.wikipedia.org/wiki/ぐんまみらい信用組合, 2026-05-30 確認 — 県内競合の信用組合の正式名称・業態・合併沿革）

[!info] Verification status confidence: likely (v2.0 Wikipedia + published IR reference 2026-05-19). The establishment date (1932-09), renaming year (1955), listing (TSE PRIME 8334), and TSUBASA participation (2015) are based on public information. Specific medium-term-management-plan figures, subsidiary stakes, and the latest financial results should be checked against official IR. The SUBARU supply-chain lending concentration is inferred as a structural characteristic (no public disclosure).