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Howa Bank

Confidence: Likely Updated 2026-06-05 Review by 2026-12-05 Sources 2 Machine-translated Original (JA)
#JapanFG#banking#second-regional-bank#kyushu#oita#operating-company
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Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Oita Bank for the same-prefecture first/second-regional peer / contrast, and against the FSA plus banking for the supervisory / system boundary. License-type context lives in financial licenses.

TL;DR

The Howa Bank, Ltd. (株式会社豊和銀行) is a second regional bank headquartered in Oita City, Oita Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is the second-regional-bank operating-company anchor for Oita Prefecture, and a local peer of the first regional bank The Oita Bank as a separate legal entity. Its business consists of the standard regional-bank model of deposit-taking within the prefecture and lending to SMEs and individuals.

1. License / group boundary

ItemNotes
Legal name株式会社豊和銀行 / The Howa Bank, Ltd.
License routeBank license under the Banking Act (second regional bank / 第二地銀); FSA bank license list
Group boundaryStandalone second regional bank (independent, not under an FG)
Home marketOita / Oita City (headquartered in Oita Prefecture)
Wiki roleOita second-regional-bank operating-company page

2. Operating model

Howa Bank is a second regional bank that handles retail deposits, SME finance, consumer banking, and local relationship banking within Oita Prefecture. The The Oita Bank page covers the first-regional-bank incumbent, while this page covers the second-regional-bank license boundary. Oita Prefecture has a layered structure in which a first regional bank (Oita Bank) and a second regional bank (Howa Bank) coexist.

3. Regulatory & system positioning

  • Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kyushu Local Finance Bureau. Soundness is disciplined by capital-adequacy 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 System (the nationwide bank funds-transfer network) and, as an industry body, falls under the framework of Zenginkyo.
  • Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).
  • Consolidation context: For the general context of second-regional-bank rationalization / consolidation in Kyushu, see regional-bank consolidation pattern.

4. Why this page matters

  • Closes the FSA exact-name page for Howa Bank.
  • Completes the Oita first / second regional-bank peer pair, indexed via regional-banks INDEX.
  • Provides a Kyushu second-regional-bank anchor for shared-system and consolidation analysis.

Sources

  • FSA (金融庁): bank license list (ginkou.xlsx), second regional banks.
  • The Howa Bank official company-information page (会社案内), https://www.howabank.co.jp/aboutus/.