FinWiki
日EN中

The Kochi Bank

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

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Shikoku 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 Kochi Bank, Ltd. (株式会社高知銀行) is a second regional bank headquartered in Kochi City, Kochi 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 Kochi Prefecture, treated as a separate-legal-entity peer of the first regional bank Shikoku Bank. The substance of its business is the standard second-regional-bank model: deposit-taking within the prefecture and lending to SMEs and individuals.

1. License / group boundary

ItemNotes
Legal name株式会社高知銀行 / The Kochi 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 operating company (independent second regional bank)
Home marketKochi / Kochi City (head office in Kochi Prefecture)
Wiki roleKochi second-regional-bank operating-company page

2. Operating model

The Kochi Bank is a second regional bank that, centered on Kochi Prefecture, handles retail deposits, SME finance, local relationship banking, and regional customer support. Within Kochi Prefecture it has a first / second-regional-bank peer boundary with the first regional bank Shikoku Bank. In the wider Shikoku area it is compared with Iyo Bank, Ehime Bank, and The Awa Bank.

3. Regulatory & system positioning

  • Supervision: Under the Banking Act, the FSA (FSA) and the Shikoku Local Finance Bureau supervise. Soundness is disciplined through capital-adequacy-ratio regulation (domestic standard) and the like.
  • Industry body: A second regional bank belonging to the Second Association of Regional Banks (Daini Chigin Kyo). It participates in the Zengin System (the nationwide bank funds-transfer settlement network) and, as an industry body, is connected 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 Shikoku, see regional-bank consolidation pattern.

4. Why this page matters

  • Closes the FSA exact-name operating-company gap for the Kochi Bank.
  • Separates Kochi second-regional-bank coverage from Shikoku Bank.
  • Provides a bank-level anchor for Shikoku regional-bank comparison.

Sources

  • FSA (金融庁): bank license list (ginkou.xlsx), second regional banks.
  • The Kochi Bank official company profile (会社概要).