The Minami-Nippon Bank (南日本銀行)

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Kagoshima 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 Minami-Nippon Bank, Ltd. (株式会社南日本銀行) is a second regional bank headquartered in Kagoshima City, Kagoshima 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 of Kagoshima Prefecture, treated as a local peer that is a separate legal entity from the first regional bank Kagoshima Bank. The substance of its business is the standard second-regional-bank model of deposit-taking within the prefecture and lending to SMEs and individuals.

1. License / group boundary

Item	Notes
Legal name	株式会社南日本銀行 / The Minami-Nippon Bank, Ltd.
License route	Bank license under the Banking Act (second regional bank / 第二地銀); FSA bank license list
Group boundary	Standalone second regional bank（独立系第二地銀）
Home market	Kagoshima / Kagoshima City（鹿児島県本店）
Wiki role	Kagoshima second-regional-bank operating-company page

2. Operating model

The Minami-Nippon Bank is a second regional bank that handles retail deposits, SME finance, consumer banking, and local relationship banking within Kagoshima Prefecture. The first-regional-bank Kagoshima Bank page handles the Kyushu FG core-bank boundary, while this page handles the independent second-regional-bank license boundary. In southern Kyushu it is also compared with Miyazaki Bank.

3. Regulatory & system positioning

Supervision: Supervised by the FSA (FSA) and the Kyushu Local Finance Bureau under the Banking Act. 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. It participates in the nationwide bank fund-settlement network (Zengin System), and as for 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 Kyushu second-regional-bank realignment and consolidation pressure, see regional-bank consolidation pattern.

4. Why this page matters

Closes the FSA exact-name operating-company gap for the Minami-Nippon Bank.
Completes the Kagoshima first / second regional-bank peer pair.
Provides a peer anchor for Kyushu FG and local consolidation analysis.

Sources

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