Momiji Bank · FinWiki

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Hiroshima 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

Momiji Bank, Ltd. (株式会社もみじ銀行) is a second-tier regional bank headquartered in Hiroshima City, Hiroshima Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is the Hiroshima-area operating bank under Yamaguchi FG (YMFG) and is treated as a second-regional-bank peer that is a separate legal entity from the first-tier regional bank Hiroshima Bank. Its business is the standard second-tier regional bank model of deposit-taking within the prefecture and lending to SMEs and individuals.

1. License / group boundary

Item	Notes
Legal name	株式会社もみじ銀行 / Momiji Bank, Ltd.
License route	bank license under the Banking Act (second regional bank / second-tier regional bank); FSA bank license list
Group boundary	[[regional-banks/yamaguchi-fg
Home market	Hiroshima / Hiroshima City（広島県本店）
Wiki role	Hiroshima second-regional-bank operating-company page

2. Operating model

Momiji Bank is a second-tier regional bank that, centered on Hiroshima Prefecture, handles retail deposits, SME finance, local relationship banking, and Setouchi-area business support. Within YMFG‘s 3-bank model (Yamaguchi Bank / Momiji Bank / The Kitakyushu Bank) it holds the Hiroshima brand / operating-company boundary. Within Hiroshima Prefecture it holds a peer boundary with the first-tier regional bank Hiroshima Bank (under Hirogin HD).

3. Regulatory & system positioning

Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Chugoku Local Finance Bureau. Soundness is disciplined by capital adequacy regulation (domestic standard) and the like.
Industry body: A second-tier regional bank belonging to the Second Association of Regional Banks (Daini Chiginkyo). It participates in the nationwide bank funds settlement network (the Zengin System), and as an industry body it belongs to the framework of Zenginkyo.
Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).
Consolidation context: For the general context of YMFG’s multi-bank model and regional-bank reorganization in the Chugoku region, see regional-bank consolidation pattern.

4. Why this page matters

Closes the FSA exact-name operating-company gap for Momiji Bank.
Separates Hiroshima second-regional-bank coverage from Hiroshima Bank and Hirogin HD.
Provides a bank-level anchor for YMFG multi-bank structure.

Sources

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