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The Oita Bank

Confidence: Likely Updated 2026-06-05 Review by 2026-12-05 Sources 2 Machine-translated Original (JA)
#JapanFG#banking#regional-bank#kyushu#oita#operating-company
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Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Howa 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 Oita Bank, Ltd. (株式会社大分銀行, Daigin) is a regional bank (first regional bank) headquartered in Oita City, Oita Prefecture, holding a bank license under the Banking Act and listed on the FSA’s bank license list. It is Oita Prefecture’s first-regional-bank operating-company anchor and is treated as a Kyushu standalone regional bank. Its business is deposit-taking within the prefecture and lending to SMEs, individuals, and local public bodies.

1. License / group boundary

ItemNotes
Legal name株式会社大分銀行 / The Oita Bank, Ltd.
License routeBank license under the Banking Act (regional bank / first regional bank); FSA bank license list
Group boundaryStandalone regional-bank operating company (independent first regional bank)
Home marketOita / Oita City (head office in Oita Prefecture)
Wiki roleOita regional-bank operating-company page

2. Operating model

The Oita Bank is a first regional bank that, centered on Oita Prefecture, handles retail deposits, SME finance, support for tourism and manufacturing, and local relationship banking. It has a first / second-regional-bank peer boundary with the in-prefecture second regional bank Howa Bank, and as a Kyushu standalone regional-bank peer is compared with The Bank of Saga, Miyazaki Bank, and The Bank of Fukuoka.

3. Regulatory & system positioning

  • Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kyushu Local Finance Bureau. Its soundness is disciplined by capital adequacy requirements (domestic standard) and similar rules.
  • Industry body: A first regional bank belonging to the Regional Banks Association of Japan. It participates in the Zengin System (the nationwide bank funds-transfer network), and as an industry body falls within the framework of Zenginkyo.
  • Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
  • Consolidation context: For the general context of regional-bank reorganization and consolidation pressure in Kyushu, see regional-bank consolidation pattern.

4. Why this page matters

  • Closes the FSA exact-name operating-company gap for the Oita Bank.
  • Provides an Oita prefecture anchor for Kyushu regional-bank comparison.
  • Pairs with the second-regional-bank page Howa Bank.

Sources

  • FSA (Financial Services Agency): bank license list (ginkou.xlsx), regional banks.
  • The Oita Bank official company profile (会社概要).