Hyakujushi Bank (百十四銀行)
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This entry sits under regional-banks INDEX. Read it against Iyo Bank for peer / contrast context and banking index for the broader system / regulatory boundary.
TL;DR
An independent regional bank based in Kagawa Prefecture. Founded in Takamatsu as the 1878-12-23 114th National Bank, its name derives from the former national-bank number “114”. As a standalone bank that has not formed a holding company, it is listed on the TSE PRIME (8386) and serves as Kagawa Prefecture’s designated financial institution, the largest bank within the prefecture. Within the prefecture it forms a two-strong structure with The Kagawa Bank under tomony-hd, and across the broader Shikoku region it competes with iyogin-hd / Iyo Bank (Ehime), The Awa Bank (Tokushima), and Shikoku Bank (Kochi) as one of Shikoku’s 4 major regional banks. Through its 2015 年 associate-member participation in the TSUBASA Alliance, it takes part in the Chiba Bank-affiliated broad, loose cooperation network.
1. Company overview
Legal name: The Hyakujushi Bank, Ltd. English name: The Hyakujushi Bank, Ltd. Securities code: TSE PRIME 8386 Founded: 1878-12-23 (114th National Bank established, Takamatsu) Incorporation: 1898 (reorganized into Hyakujushi Bank) Head office: 5-1 Kamei-cho, Takamatsu City, Kagawa Prefecture Business type: Standalone bank (no holding company)
Major subsidiaries and affiliates
- Hyakujushi Lease (leasing)
- Hyakujushi Business Service (back-office outsourcing)
- Hyakujushi Computer Service (systems)
- Hyakujushi Card (credit)
- Hyakujushi Credit Guarantee
- 114 Innovation Fund line (regional VC)
History (excerpt)
| Year/Month | Event |
|---|---|
| 1878-12-23 | 114th National Bank established (Takamatsu, under the National Bank Ordinance) |
| 1898 | Incorporated, converted to a private bank |
| 1932 | Renamed Hyakujushi Bank |
| 1949 | Listed on the Tokyo Stock Exchange |
| 1990 年s | Rebuilding of the Takamatsu head-office building and branch reorganization |
| 2015 | Associate-member participation in the TSUBASA Alliance (broad cooperation network led by Chiba Bank) |
| 2020〜2024 | COVID-19 response support lending, strengthened hands-on support for SMEs |
| 2024〜 | New medium-term management plan (2024〜) launched |
2. Business segment map
| Segment | Content | Characteristics |
|---|---|---|
| Corporate lending | SMEs / manufacturing / agriculture / tourism within the prefecture | Largest share within Kagawa Prefecture |
| Individual deposits | Retail within Kagawa Prefecture | Top deposit volume within the prefecture |
| Mortgages | Within the prefecture + surrounding Shikoku / Kansai | Flagship product within the prefecture |
| Tourism / regional-industry finance | Udon industry / Shodoshima / Naoshima art | Specialized in tourist-destination finance |
| Public funds | Designated financial institution for Kagawa Prefecture / Takamatsu City | Dominant position in public funds within the prefecture |
| Out-of-area expansion | Osaka / Kobe / Okayama / Tokyo branches | Serving Kagawa natives and Shikoku-affiliated companies |
| TSUBASA cooperation | Common settlement / systems with the Chiba Bank affiliation | Cost reduction / joint FinTech procurement |
Base and competitive structure
- Within-prefecture competition: a two-strong structure with The Kagawa Bank under tomony-hd. Kagawa Bank is a second-tier regional bank under the Tokushima-affiliated Tomony HD, and competes fiercely in mortgages and personal finance
- Shikoku-wide competition: one of Shikoku’s 4 major regional banks
- iyogin-hd / Iyo Bank (based in Ehime, the largest in Shikoku)
- tomony-hd (Tokushima Taisho Bank + The Kagawa Bank, Shikoku + Osaka)
- Shikoku Bank (based in Kochi)
- Hyakujushi Bank (based in Kagawa)
Industry characteristics
A lending portfolio reflecting the characteristics of the Kagawa Prefecture economy:
- Tourism: udon-pilgrimage tourism, Shodoshima olives and soy sauce, lodging and dining related to the Setouchi Triennale such as Naoshima
- Manufacturing: shipbuilding (Sakaide / Tadotsu), frozen and processed foods, chemicals / textiles
- Agriculture: olives, wheat for Sanuki-udon ingredients, fruit trees
- Logistics: wide-area logistics across Chugoku-Shikoku utilizing the Great Seto Bridge and the Honshu-Shikoku Bridges
TSUBASA Alliance participation
- Participates as an 2015 年 associate member
Standalone-management strategy
- As an independent player within the prefecture, it has not taken the step of forming a holding company or merging with other banks
- Meanwhile, other Shikoku regional banks have progressed with reorganization, such as iyogin-hd (2022 holding-company formation) and tomony-hd (2010 integration)
4. Supervision and policy
- Supervisor: FSA / Local Finance Bureau
- Regional-bank classification: First-tier regional bank (member of the Regional Banks Association of Japan)
- Recent policy points:
- 2024〜 BOJ policy-rate normalization → improvement in domestic deposit-lending interest margins
- Late 2020 年s regional-bank reorganization pressure (merger special-measures law / public-fund utilization framework)
- 2025〜 expanding needs for SME hands-on support, business succession, and M&A intermediation
- 2025〜 response to regional decarbonization and tourism-industry digitalization
Related
- tomony-hd · kagawa-bank · iyogin-hd · iyo-bank · awa-bank · shikoku-bank — Shikoku regional banks
- chiba-bank — TSUBASA Alliance lead bank
- mufg · smfg · mizuho-fg — Megabanks (coexisting within the prefecture)
Sources
- Wikipedia: The Hyakujushi Bank, Ltd. (https://ja.wikipedia.org/wiki/百十四銀行, extracted 2026-05-19)
- Hyakujushi Bank official corporate site (company overview / history)
- TSUBASA Alliance member-bank public information
[!info] Verification status