01 Bank (01Bank)

Wiki route

This entry sits under regional-banks INDEX. Read it against UI Bank and Minna Bank Baas Model for peer / contrast context (the two preceding regional-bank digital banks), Ikeda Senshu Holdings for parent group context, and banking index for the broader system / regulatory boundary.

1. Legal entity / license boundary

The following table is scoped to public primary sources (fsa.go.jp, 01bank.co.jp, ja.wikipedia.org). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

3. Key chronology

The following table is scoped to public primary sources (fsa.go.jp, 01bank.co.jp, ja.wikipedia.org). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

4. Relationship with parent Ikeda Senshu HD

Ikeda Senshu Holdings is a Kansai regional-bank holding company (TSE Prime 8714) centered on Ikeda Senshu Bank (based in northern Osaka / Hokusetsu). 01 Bank is a digital bank for SMEs (corporations / sole proprietors) that opened on 2025-07-28 as the company’s 100% subsidiary, and serves as the execution vehicle for the digital-bank concept in the medium-term management plan “Vision ’25” that Ikeda Senshu HD set out in 2020 .

• Ikeda Senshu Bank (core / Kansai retail + corporate)
• 01 Bank (opened 2025-07-28; SME / corporate / sole-proprietor-focused digital bank; this page)

As a regional-bank-affiliated digital-bank opening, it is the 3 th case following Minna Bank Baas Model of Fukuoka FG (FFG) (2021-05) and UI Bank of Tokyo Kiraboshi FG (2022-01) (consistent in Nihon Keizai Shimbun and Nikkin reporting). Whereas Minna Bank was the pioneering retail-oriented full-GCP-cloud example, 01 Bank is a separate axis as a data-credit-focused SME bank that incorporates cloud accounting and SaaS data linkage into lending decisions. It is a competitor / comparison target with a different capital lineage from Minna Bank, not a sister bank.

5. Business model — data-driven SME finance

• Aims to utilize business data such as cloud services to reflect, in lending decisions, the actual state of business activity that is hard to see from a financial-statement-centric view ^•
• Positioned not as the existing channel of megabanks / regional banks, but as a new data-linked banking model for business operators
• Comparison targets: UI Bank, Minna Bank Baas Model, BaaS landscape

6. Peer comparison — lineage of regional-bank digital subsidiaries

The following table is scoped to public primary sources (fsa.go.jp, 01bank.co.jp, ja.wikipedia.org). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

FFG does not have an SME-focused 01 Bank in addition to retail (Minna Bank); 01 Bank is an independent 3 regional-bank digital bank in the Ikeda Senshu HD lineage. Hokkoku FHD takes the “BaaS wholesaling” route, Kiraboshi the “single digital bank (UI Bank)” route, and Ikeda Senshu HD the “SME / sole-proprietor-focused (01 Bank)” route — their paths diverge.

7. Supervision / regulation

• Supervisor: Financial Services Agency (FSA), Kinki Local Finance Bureau (per the head-office location in Suita City, Osaka Prefecture)
• Business type: ordinary bank under the Banking Act
• Deposit insurance: member of the Deposit Insurance Corporation (ordinary deposits protected up to 1,000万円)
• Data credit: triple constraint of the Personal Information Protection Act + the FIEA (use of credit information) + lending governance under the Banking Act

9. Open questions

• To what extent will the 2025年 / 2026年 fiscal-year account-count / loan-balance / ordinary-profit disclosures of 01 Bank be detailed in parent Ikeda Senshu HD’s consolidated IR? (Ikeda Senshu HD is reported to aim for “single-year profitability in 3 “)
• Will the default-rate track record of the data-credit model be disclosed? What is its advantage relative to industry benchmarks (SME-lending default rates of mega / regional banks)?
• Relative to the preceding Minna Bank (retail) / UI Bank (retail / small-and-mid corporate), will 01 Bank’s SME / sole-proprietor focus function as differentiation?
• What are the possibilities for competition / cooperation with Hokkoku FHD’s Tonari (BaaS) and other regional-bank digital subsidiaries?
• What is the concrete contractual structure of the partner data sources (freee / Money Forward, etc.)?

Related

• ikeda-senshu-hd — parent company (Ikeda Senshu Holdings, Kansai regional-bank holding company)
• minna-bank-baas-model — FFG’s digital bank (the 1 th regional-bank digital bank, comparison target)
• ui-bank — Kiraboshi FG digital bank (the 2 th case, comparison target)
• fukuoka-fg — Minna Bank’s parent FG (reference for the preceding regional-bank digital-bank case)
• hokkoku-fhd — Hokkoku FHD (CCI Group), reference for the BaaS route
• baas-japan-landscape — BaaS / digital-bank landscape
• INDEX

Sources

• FSA, “銀行免許一覧”, ginkou.xlsx.
• 01Bank, “01Bankについて（会社概要）”, https://01bank.co.jp/aboutus/index.html
• 01Bank, “事業方針ニュースリリース” (2025-07-24), https://01bank.co.jp/news/pdf/2025/0724.pdf
• Fukuoka Financial Group IR public materials
• Wikipedia: ふくおかフィナンシャルグループ (public information)
• Wikipedia: 01銀行 https://ja.wikipedia.org/wiki/01銀行 (confirmed 2026-05-30) — head office 9-1 Toyotsu-cho, Suita City, Osaka Prefecture; parent Ikeda Senshu Holdings 100%; license granted 2025-02-28; opened 2025-07-28
• PR TIMES: ０１銀行株式会社の開業、および事業方針について https://prtimes.jp/main/html/rd/p/000000001.000166817.html — “obtained a banking license on 2025年2月28日” “opened on 2025年7月28日”; major shareholder Ikeda Senshu Holdings, Inc. 100%; head office 9 -1 号 Toyotsu-cho, Suita City, Osaka Prefecture (EDGE Esaka 19 F)
• Nihon Keizai Shimbun “Ikeda Senshu HD to open a digital bank within the month, the 3 th among regional banks” https://www.nikkei.com/article/DGXZQOUF2270A0S5A720C2000000/ — under Ikeda Senshu HD, the 3 th case following Fukuoka FG and Tokyo Kiraboshi FG, opened 2025-07-28
• Nikkin ONLINE “FSA grants license to Ikeda Senshu HD’s ‘01Bank’” https://www.nikkinonline.com/article/254475 — license granted 2025-02-28; trade name of the preparatory company (established 2024-02 ) changed to “01銀行株式会社”

[!info] Parent company / lineage corrected (2026-05-30) The old version stated the parent company as Fukuoka FG (FFG) and described “an FFG 2 digital-bank structure alongside Minna Bank” and “opened 2024-02 “, but both are erroneous. Correctly, parent company = Ikeda Senshu Holdings, Inc. (100%), banking license granted 2025-02-28, opening 2025-07-28. 2024-02 is the establishment date of the opening-preparatory company (01Bank Establishment Preparatory Co., Ltd.). As a regional-bank-affiliated digital bank, it is the 3 th case following FFG Minna Bank (2021-05) and Tokyo Kiraboshi FG UI Bank (2022-01), and is a competitor with a different capital lineage from Minna Bank, not a sister bank (confirmed consistently in Wikipedia / PR TIMES / Nihon Keizai Shimbun / Nikkin). The frontmatter tags, head office, sections 4 / 6, chronology, and Related have all been corrected.

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[!info] Verification status