The Bank of Saga
On this page
Wiki route
This entry sits under regional-banks INDEX (its domain route). Read it against Eighteenth Shinwa Bank, Ltd. for the adjacent-prefecture peer / contrast, and against the FSA plus banking for the supervisory / system boundary.
TL;DR
The Bank of Saga, Ltd. (株式会社佐賀銀行, “Sagin”) is a regional bank (first-tier regional bank) headquartered in Saga City, Saga Prefecture, that holds a bank license under the Banking Act and is listed on the FSA’s bank license list. It is the Saga prefecture first-regional-bank operating-company anchor, and it is treated as a standalone regional bank in northern Kyushu. Its business substance is in-prefecture deposit-taking and lending to SMEs, individuals, and local public entities.
1. License / group boundary
| Item | Notes |
|---|---|
| Legal name | 株式会社佐賀銀行 / The Bank of Saga, Ltd. |
| License route | bank license under the Banking Act (regional bank / first-tier regional bank); FSA bank license list |
| Group boundary | Standalone regional-bank operating company（独立系第一地銀） |
| Home market | Saga / Saga City（佐賀県本店） |
| Wiki role | Saga regional-bank operating-company page |
2. Operating model
The Bank of Saga is a first-tier regional bank that, centered on Saga Prefecture, handles retail deposits, SME finance, support for agriculture and local industries, and northern Kyushu relationship banking. It is organized as a standalone peer adjacent to the major bank groups of Fukuoka and Nagasaki Prefectures (Fukuoka FG (FFG) / NNFH), and it has a peer boundary with The Bank of Fukuoka, Eighteenth Shinwa Bank, Ltd., and Nishi-Nippon City Bank.
3. Regulatory & system positioning
- Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kyushu Local Finance Bureau. Soundness is disciplined by capital adequacy ratio regulation (domestic standard) and the like.
- Industry body: A first-tier regional bank belonging to the Regional Banks Association of Japan. It participates in the nationwide bank funds-settlement network (the Zengin System), and as an industry body it connects 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 northern Kyushu regional-bank reorganization and consolidation pressure, see regional-bank consolidation pattern.
4. Why this page matters
- Closes the FSA exact-name operating-company gap for 佐賀銀行.
- Provides a Saga prefecture anchor for Kyushu regional-bank comparison.
- Adds a standalone peer against The Bank of Fukuoka, Eighteenth Shinwa Bank, Ltd., and Nishi-Nippon City Bank.
Related
- regional-banks INDEX
- fukuoka-bank
- 18-shinwa-bank
- nishi-nippon-city-bank
- oita-bank
- FSA
- regional-bank-consolidation-pattern
- INDEX
- FinWiki index
Sources
- FSA (金融庁): bank license list (
ginkou.xlsx), regional banks. - The Bank of Saga official company profile (会社概要).