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The Higashi-Nippon Bank

Confidence: Likely Updated 2026-06-05 Review by 2026-12-05 Sources 2 Machine-translated Original (JA)
#JapanFG#banking#second-regional-bank#concordia-fg#yokohama-fg#kanto
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Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Bank of Yokohama for the same-group peer / contrast (the FG’s other operating bank), and against the FSA plus banking for the supervisory / system boundary. Group context lives in the parent Yokohama Financial Group (formerly Concordia Financial Group) page.

TL;DR

The Higashi-Nippon Bank, Ltd. (株式会社東日本銀行) is a second regional bank headquartered in Tokyo that holds a banking license under the Banking Act and is listed on the FSA’s bank license list; it is an operating bank under Yokohama Financial Group (formerly Concordia Financial Group). Even after its business integration with the Bank of Yokohama, it remains as a separate-entity bank-license surface serving SMEs within Tokyo. The substance of its business is the standard regional-bank model of taking deposits and lending to SMEs and individuals.

1. License / group boundary

ItemNotes
Legal name株式会社東日本銀行 / The Higashi-Nippon Bank, Ltd.
License routeBanking license under the Banking Act (second regional bank / 第二地銀); FSA bank license list
Group boundary[[regional-banks/concordia-fg
Home marketTokyo / Greater Tokyo SME market (headquartered in Tokyo)
Wiki roleTokyo second-regional-bank operating-company page

2. Operating model

The Higashi-Nippon Bank is a second regional bank that handles SME lending, relationship banking, deposit, and local business support in central Tokyo and the Greater Tokyo area. While Bank of Yokohama handles Kanagawa’s retail / public-sector core, the Higashi-Nippon Bank has a role specialized in SMEs within Tokyo. The two banks are in a relationship of operating banks standing side by side under Concordia FG.

3. Regulatory & system positioning

  • Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kanto Local Finance Bureau. Its soundness is disciplined by capital adequacy ratio regulation (domestic standard) and the like.
  • Industry body: A second regional bank in the Second Association of Regional Banks (第二地銀協) lineage. It participates in the Zengin Data Telecommunication System (全銀システム) and, as an industry body, connects to the framework of Zenginkyo.
  • Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
  • Consolidation context: For the general context of second-regional-bank realignment and consolidation pressure in Kanto, see regional-bank consolidation pattern.

4. Why this page matters

  • Splits the Higashi-Nippon Bank legal entity from the parent concordia-fg.
  • Keeps a clean Tokyo second-regional-bank license surface distinct from the FG holding company.
  • Complements yokohama-bank and tokyo-star-bank in the Kanto operating-company map.

Sources

  • FSA (金融庁): 銀行免許一覧 (ginkou.xlsx), second regional banks.
  • The Higashi-Nippon Bank official company outline (会社概要), https://www.higashi-nipponbank.co.jp/about/company/outline.html.