ORIX Bank · FinWiki

Wiki route

This entry sits under trust-banks INDEX (its domain route). Read it against Mitsubishi UFJ Trust and Banking (MUTB) for the contrast with a full-service megabank-group trust bank — ORIX Bank is a different animal — and against the FSA plus banking for the supervisory / system boundary. Its current parent is ORIX.

TL;DR

ORIX Bank Corporation (オリックス銀行) is a banking entity listed on the FSA’s bank license list, but rather than a trust-dedicated firm / trust bank like the megabank-group ones, it is a specialty bank closer to an “ordinary bank” that also conducts trust business (a trust-concurrent financial institution). Originating from Yamaichi Securities’ trust subsidiary, it joined the ORIX group as of 1998 年. It holds no ATMs and is internet-centric, specializing in investment-property loans, online time deposits (e-Direct deposits), and card loans. As of 2026-04-27 it has been announced that ORIX will transfer all shares to Daiwa Next Bank under Daiwa Sg, and an ownership transition watch is needed.

1. License / group boundary

Item	Notes
Legal name	オリックス銀行株式会社 / ORIX Bank Corporation
License route	Bank license under the Banking Act (ordinary bank) + concurrent trust business under the Concurrent Operation Act. Note that it is not a trust-dedicated “trust bank”
Business shape	A specialty / internet-type bank centered on investment-property loans, online time deposits, and card loans
Current parent	[[leasing-firms/orix-corp
Announced acquirer	[[securities-firms/daiwa-sg
Watch item	Share-transfer completion date, merger policy, changes to the bank name / group designation

2. Operating model

ORIX Bank is not a comprehensive megabank type but holds a specialty bank model focused on its areas of strength:

Asset formation / management: investment-property loans, internet-only time deposits (e-Direct deposits), card loans.
Concurrent trust operation: it handles trust products as a concurrent business, but its core business is on the deposit / lending side, and it differs in character from a megabank-group full-service trust bank.
Low-infrastructure operation: it holds no ATM network and is internet-centric to keep costs down.

Supervision is conducted by Financial Services Agency (FSA) on both the banking and trust sides.

3. Why this page matters

An anchor that dispels the dual misconception of “ORIX’s banking subsidiary” and “in the trust-bank category but in reality a trust-concurrent ordinary bank.”
With the subsidiarization announced by Daiwa Next Bank in 2026 年, it became a target of realignment across securities group × bank license × property loans × trust functionality. The focal point shifts from the comprehensive finance of ORIX to the bank / wealth strategy of Daiwa Sg.
Future consolidation, name changes, and regulatory approvals are tracked on this page. For post-megabank positioning, see post-megabank positioning.

Sources

FSA: bank license list (ginkou.xlsx).
ORIX Bank: company overview.
ORIX: Notice regarding the change (share transfer) of consolidated subsidiary ORIX Bank (2026-04-27).
Daiwa Securities Group / Daiwa Next Bank: Regarding the subsidiarization of ORIX Bank Corporation (2026-04-27).

[!info] Verification status confidence: likely. The framework of the Concurrent Operation Act / Trust Business Act and the business type of “ordinary bank + concurrent trust, not trust-dedicated” are public facts based on public information and the official company overview. The 2026-04-27 share transfer / subsidiarization (acquisition amount, via Daiwa Next Bank, future merger plan) is based on disclosed IR, but the transfer-completion date and the final bank name / group designation are awaiting regulatory approval and are not yet fixed.