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The Saikyo Bank

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

This entry sits under regional-banks INDEX (its domain route). Read it against Momiji Bank for the adjacent YMFG-group peer / contrast, and against the FSA plus banking for the supervisory / system boundary.

TL;DR

The Saikyo Bank, Ltd. (株式会社西京銀行) is a second regional bank headquartered in Shunan City, Yamaguchi Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank-license list. It is the standalone second-regional-bank operating-company anchor for Yamaguchi Prefecture, treated as a separate-legal-entity peer of the Yamaguchi Bank / Momiji Bank / The Kitakyushu Bank under Yamaguchi FG (YMFG). The substance of its business is the standard second-regional-bank model: deposit-taking within the prefecture and lending to SMEs and individuals.

1. License / group boundary

ItemNotes
Legal name株式会社西京銀行 / The Saikyo Bank, Ltd.
License routeBank license under the Banking Act (second regional bank / 第二地銀); FSA bank license list
Group boundaryStandalone second regional bank (independent second regional bank, non-YMFG)
Home marketYamaguchi / Shunan (head office in Shunan City, Yamaguchi Prefecture)
Wiki roleYamaguchi second-regional-bank operating-company page

2. Operating model

The Saikyo Bank is a second regional bank that, centered on Yamaguchi Prefecture, handles retail deposits, SME finance, consumer loans, and local relationship banking. The YMFG page covers a multi-bank holding-company strategy (the 3-bank model), while this page covers the independent second-regional-bank license boundary. In the Chugoku region it has a peer boundary with Hiroshima Bank / Momiji Bank.

3. Regulatory & system positioning

  • Supervision: Under the Banking Act, the FSA (FSA) and the Chugoku Local Finance Bureau supervise. Soundness is disciplined through capital-adequacy-ratio regulation (domestic standard) and the like.
  • Industry body: A second regional bank belonging to the Second Association of Regional Banks (Daini Chigin Kyo). It participates in the Zengin System (the nationwide bank funds-transfer settlement network) and, as an industry body, is connected 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 YMFG’s multi-bank model and second-regional-bank realignment in the Chugoku region, see regional-bank consolidation pattern.

4. Why this page matters

  • Closes the FSA exact-name operating-company gap for the Saikyo Bank.
  • Adds the missing non-YMFG Yamaguchi bank anchor.
  • Provides a peer anchor for YMFG, Momiji Bank, and The Kitakyushu Bank.

Sources

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