Nishi-Nippon City Bank

Wiki route

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

TL;DR

The Nishi-Nippon City Bank, Ltd. (NCB; 株式会社西日本シティ銀行) is a regional bank (first-tier regional bank / 第一地銀) headquartered in Fukuoka City, Fukuoka Prefecture, holding a banking licence under the Banking Act and listed on the FSA bank-licence list. It is the core operating bank of Nishi Nippon Fhd (NNFH) and, within Fukuoka Prefecture, is treated as a major regional-bank operating-company anchor alongside The Bank of Fukuoka (Fukuoka FG (FFG)). Its business consists of deposit-taking in the Fukuoka metropolitan area and northern Kyushu and lending to SMEs, corporates, and individuals.

1. License / group boundary

Item	Notes
Legal name	株式会社西日本シティ銀行 / The Nishi-Nippon City Bank, Ltd.
License route	Banking licence under the Banking Act (regional bank / first-tier regional bank); FSA bank license list
Group boundary	[[regional-banks/nishi-nippon-fhd
Home market	Fukuoka / Fukuoka City (HQ in Fukuoka Prefecture)
Wiki role	Fukuoka regional-bank operating-company page

2. Operating model

The Nishi-Nippon City Bank is a first-tier regional bank handling retail deposits, SME finance, urban-area corporate transactions, and Asian business support, centred on the Fukuoka metropolitan area and northern Kyushu. The NNFH page covers holding-company strategy and group portfolio (including The Nagasaki Bank, etc.), while this page covers the bank-licence entity. Within Fukuoka Prefecture it holds a peer boundary with The Bank of Fukuoka, The Kitakyushu Bank, and Chikuho Bank.

3. Regulatory & system positioning

Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kyushu Local Finance Bureau. Soundness is disciplined through capital-adequacy ratio regulation (domestic standard), etc.
Industry body: A first-tier regional bank belonging to the Regional Banks Association of Japan (Chiginkyo). It participates in the Zengin System (the nationwide bank fund-settlement network) and, as an industry body, connects to the Zenginkyo framework.
Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
Consolidation context: For the general context of regional-bank reorganisation in Fukuoka / Kyushu (the moves of NNFH / Fukuoka FG (FFG)), see regional-bank consolidation pattern.

4. Why this page matters

Closes the FSA exact-name operating-company gap for the Nishi-Nippon City Bank.
Separates the bank licence from NNFH holding-company coverage.
Provides a peer anchor for The Bank of Fukuoka, Chikuho Bank, and The Kitakyushu Bank.

Sources

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