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The Kagawa Bank

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

This entry sits under regional-banks INDEX (its domain route). Read it against Hyakujushi Bank for the same-prefecture peer / contrast (first vs second regional bank), and against the FSA plus banking for the supervisory / system boundary.

TL;DR

The Kagawa Bank, Ltd. (株式会社香川銀行) is a second regional bank headquartered in Takamatsu, Kagawa Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is the Kagawa operating bank under Tomony Holdings (Tomony HD), and is treated as a second-regional-bank peer that is a separate legal entity from Hyakujushi Bank, the first regional bank of Kagawa Prefecture. The substance of its business is the standard second-regional-bank model of taking deposits within the prefecture and lending to SMEs and individuals.

1. License / group boundary

ItemNotes
Legal name株式会社香川銀行 / The Kagawa Bank, Ltd.
License routeBank license under the Banking Act (second regional bank / 第二地銀); FSA bank license list
Group boundary[[regional-banks/tomony-hd
Home marketKagawa / Takamatsu（香川県本店）
Wiki roleKagawa second-regional-bank operating-company page

2. Operating model

The Kagawa Bank is a second regional bank responsible for retail deposits, SME finance, personal loans, local relationship banking, and Tomony group cross-selling, centered on Kagawa Prefecture. The Tomony Holdings (Tomony HD) page covers group-level governance and the two-bank structure with Tokushima Taisho Bank, while this page covers the bank-license entity. Across the wider Shikoku region it has a peer boundary with Iyo Bank and The Awa Bank.

3. Regulatory & system positioning

  • Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Shikoku Local Finance Bureau. Its soundness is disciplined by capital adequacy regulation (domestic standard) and the like.
  • Industry body: A second regional bank belonging to the Second Association of Regional Banks (第二地銀協). It participates in the nationwide bank funds-settlement network (Zengin System), and as an industry body it connects to 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 reorganization and consolidation pressure in Shikoku, see regional-bank consolidation pattern.

4. Why this page matters

  • Closes the FSA exact-name operating-company gap for 香川銀行.
  • Separates Kagawa second-regional-bank coverage from Hyakujushi Bank.
  • Provides a bank-level anchor for Tomony Holdings (Tomony HD) two-bank structure.

Sources

  • FSA (金融庁): 銀行免許一覧 (ginkou.xlsx), second regional banks.
  • The Kagawa Bank official company profile (会社概要).