Resona Bank (りそな銀行)
ConfidenceLikelyUpdated2026-07-29Review by2026-10-27Sources3Machine-translatedOriginal (JA)
On this page
Wiki route
This entry sits under megabanks INDEX (its domain route). Read it against Saitama Resona Bank for peer / contrast (its separately licensed Saitama-market sibling), and against the FSA for the supervisory / regulatory boundary. The group / parent view lives on Resona HD.
TL;DR
Resona Bank, Limited (りそな銀行) is the core banking entity of Resona HD. It is a regional / trust-combining bank franchise distinct from the mega 3 行, and on the FSA bank license list it is listed as “Resona Bank, Limited” (株式会社りそな銀行) (city bank), with bank code 0010.
1. License / group boundary
| Item | Notes |
|---|---|
| Legal name | Resona Bank, Limited (株式会社りそな銀行) |
| English name | Resona Bank, Limited |
| License route | Bank license under the Banking Act (city bank); FSA bank license list |
| Bank code | 0010 |
| Parent boundary | Bank operating company under Resona HD |
| Distinctive point | A city-bank-type model that combines trust and pension-related functions in addition to commercial-banking functions |
Sources: ^[金融庁「銀行免許一覧」: https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx; りそな銀行「会社概要」: https://www.resonabank.co.jp/about/gaiyo/; りそなHD「グループ会社」: https://www.resona-gr.co.jp/holdings/about/group/.]
2. Operating model
- Centered on Osaka and Tokyo, it handles retail / SME / corporate banking and domestic settlement / foreign exchange, and is the largest banking entity in the Resona group.
- Through its trust-combining license, it handles trust and pension-related services within a single bank in addition to the commercial-banking license for deposits, loans, and settlement — in contrast to the mega 3 行 (which separate trust into a distinct legal entity).
- Within the group it is a core bank alongside the separately licensed Saitama Resona Bank. Its overseas investment-banking character is not strong, and it is weighted toward domestic retail / SME / trust-adjacent services.
3. Why standalone page matters
Analysis of Resona HD’s listed holding company alone makes it hard to track Resona Bank’s own bank license, branch network, trust-combining function, and division of roles with regional banks inside the group. Separating it as a banking operating company makes it possible to distinguish the Kansai / metropolitan-area retail franchise from the Resona group strategy. For the regional-bank consolidation curve, see Regional bank consolidation pattern.
Related
- megabanks INDEX
- resona-hd
- saitama-resona-bank
- regional-bank-consolidation-pattern
- post-megabank-positioning
- FinWiki index
Sources
- FSA, “銀行免許一覧”,
ginkou.xlsx(city bank; Resona Bank, Limited; bank code 0010). - Resona Bank, “会社概要”.
- Resona Holdings, “グループ会社”.
Discovery
Keep reading
Read next
- りそなホールディングス (Resona Holdings)Positioned as the "4 th megabank" following the 3 major megabanks (mufg / smfg / mizuho fg). As a commercial bank G with trust functions, it is Japan's first full-fledged "commercial bank +...
- SBI ホールディングス (SBI HD)One of Japan's largest internet comprehensive financial groups. Established 1999-07-08 (formerly SoftBank Investment; later became independent from the SoftBank Group affiliation and renamed...
- SBI Regional Bank HoldingsSBI HD had been making individual investments in regional banks since the late 2010 年, but after Yoshitaka Kitao (2020 ) proposed the "Third Megabank Concept 4 ", it converted the previously...
Links here
- Japan regional bank M&A consolidation family-tree matrixPost-1990 regional-bank consolidation in Japan has produced a layered map of bank holding companies, each combining one or more first-regional ("地銀") and/or second-regional ("第二地銀") predeces...
- Japan bancassurance distribution overlay matrixJapanese bancassurance (銀行窓販 / 窓販) was liberalised in three stages between 2001 and 2007 and now sits as the dominant channel for foreign-currency annuity, foreign-currency single-premium sa...
- Saitama Resona BankSaitama Resona Bank, Limited is a banking corporation under the りそな HD umbrella, headquartered in Urawa-ku, Saitama City, Saitama Prefecture, that runs the retail / SME franchise within Sait...
- Japan account-to-account payment routeJapan account-to-account payments sit between classic bank transfer, wallet balance, card acquiring, and code payment. The important control question is: is value moving directly from a depo...
- Japan bank API incident and fraud-control mapBank API risk in Japan is not only a cybersecurity issue. It is a control chain across bank authentication, customer consent, electronic payment agency registration, API contracts, unauthori...