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The Kanagawa Bank

Confidence: Likely Updated 2026-06-05 Review by 2026-12-05 Sources 2 Machine-translated Original (JA)
#JapanFG#banking#second-regional-bank#kanto#kanagawa#operating-company
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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-prefecture peer / contrast (first vs second regional bank), and against the FSA plus banking for the supervisory / system boundary.

TL;DR

The Kanagawa Bank, Ltd. (株式会社神奈川銀行) is a second regional bank headquartered in Yokohama, Kanagawa Prefecture, that holds a banking license under the Banking Act and is listed on the FSA’s bank license list. In Kanagawa Prefecture, the first regional bank Bank of Yokohama is the large one, but the Kanagawa Bank is treated as a separate-entity licensed second-regional-bank operating company. The substance of its business is the community-rooted second-regional-bank model of taking deposits and lending to SMEs and individuals in Yokohama and within the prefecture.

1. License / group boundary

ItemNotes
Legal name株式会社神奈川銀行 / The Kanagawa Bank, Ltd.
License routeBanking license under the Banking Act (second regional bank / 第二地銀); FSA bank license list
Group boundaryIndependent second-regional bank (独立系第二地銀)
Home marketKanagawa / Yokohama (headquartered in Kanagawa Prefecture)
Wiki roleKanagawa second-regional-bank operating-company page

2. Operating model

The Kanagawa Bank is a second regional bank that, centered on Yokohama, handles local deposits, SME lending, personal loans, and community finance. On the in-prefecture market map, compared with the first regional bank Bank of Yokohama (under Yokohama Financial Group (formerly Concordia Financial Group)), it reads as a smaller, more community-rooted bank.

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 belonging to the Second Association of Regional Banks (第二地銀協). 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

  • Closes the FSA exact-name operating-company gap for the Kanagawa Bank.
  • Provides a peer for Bank of Yokohama without merging the second-regional bank into the parent FG story.
  • Useful for regional-bank consolidation and local-bank market-structure notes.

Sources

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