Aichi FG (あいち FG)

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This entry sits under regional-banks INDEX. Read it against Hachijuni Nagano Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

A regional-bank financial group based in Aichi Prefecture (TSE PRIME 7389). Established through the 2022-10-03 management integration of Aichi Bank + Chukyo Bank, with the bank subsidiaries already merged into Aichi Bank. A regional-bank reorganization model based in the Chukyo economic zone (Nagoya / Toyota supply chain). Its within-prefecture competitor is nagoya-bank (no holding company, No.2 within the prefecture), and nearby are juroku-fg (Gifu) / san-jusan-fg (Mie) / ogaki-kyoritsu-bank (Gifu). ^•

1. Company overview

Legal name: Aichi Financial Group, Inc. ^• English name: Aichi Financial Group, Inc. Securities code: TSE PRIME 7389 (listed 2022-10-03) ^• Established: 2022-10-03 (management integration via joint share transfer) ^• Head office: Naka-ku, Nagoya City, Aichi Prefecture ^•

Major subsidiaries / group structure

Aichi FG (holding company, listed 7389)
  └── Aichi Bank (100%) ── operating bank after the integration of the former Aichi Bank + former Chukyo Bank
        └── within-prefecture branch network / mid-tier SME lending

Aichi Bank lineage

• 1910 Predecessor bank of Aichi Bank established (merger of the former Nagoya Bank, etc.; origin of the Nagoya-affiliated regional banks) ^•
• 1943 “Aichi Bank” established through wartime consolidation ^•
• Postwar, as a regional financial institution, focused on mid-tier SME lending within Aichi Prefecture

Chukyo Bank lineage

• 1953 Chukyo Bank established (integration of the former Dai-San Sogo Mujin + Dai-Jushichi Sogo Mujin → mutual bank → conversion to a second-tier regional ordinary bank) ^•
• Based in central Nagoya City / SMEs and micro-businesses; a typical mutual-bank-lineage second-tier regional bank

Management integration process

• 2022-10-03 Aichi FG established (joint share transfer, both banks 100% becoming subsidiaries, the new FG listing on TSE PRIME) ^•
• 2025-01-01 Aichi Bank + Chukyo Bank merger; the current operating bank is Aichi Bank.

Key chronology ^•

2. Business segment map

Chukyo economic-zone concentration strategy

• Aichi Prefecture base: the Nagoya economic zone = Japan’s No.3 economic zone (after Tokyo and Osaka), with population concentration and high-density manufacturing GDP
• Within-prefecture regional-bank reorganization model: 2 行 integration within the same prefecture → cutting overlapping branches, improving the cost structure, and strengthening lending capacity through scale effects

Merger synergies (2022-10 integration → 2025-01 bank merger)

• Integration of overlapping branches / headquarters functions → cost reduction
• Systems integration → IT-investment efficiency
• Optimization of staff placement → strengthened sales capability

Competitive landscape

Chukyo economic-zone regional-bank reorganization model

Aichi FG is a 3 -step integration model of integration within the same prefecture 2 行 → holding-company formation → bank merger.

• Stage 1 (2022-10): management integration via holding-company formation (maintaining both bank brands)
• Stage 2 (2025-01 planned): full unification in name and substance via bank merger

Reference cases of nearby regional banks:

• san-jusan-fg (2018 integration of Mie Bank + Dai-San Bank → 2021 San-ju-san Bank merger) = forerunner model for Aichi FG
• juroku-fg (2021 Juroku Bank holding-company formation)

4. Regulation / policy

• Supervisor: FSA + Tokai Local Finance Bureau (supervision of regional financial institutions)
• Holding-company regulation: Banking Act Article 52 -17
• Market segment: TSE PRIME (tradable-share market-capitalization 100 億円 criterion)
• Recent policy points:

Related

• juroku-fg · san-jusan-fg · ogaki-kyoritsu-bank (nearby Chubu regional banks)
• mufg · smfg · mizuho-fg (megabanks)
• shizuoka-fg / juroku-fg (same-period regional-bank FG comparison targets)

Sources

• Wikipedia: Aichi Financial Group (https://ja.wikipedia.org/wiki/あいちフィナンシャルグループ, extracted 2026-05-19)
• Wikipedia: Aichi Bank (https://ja.wikipedia.org/wiki/愛知銀行, extracted 2026-05-19)
• Wikipedia: Chukyo Bank (https://ja.wikipedia.org/wiki/中京銀行, extracted 2026-05-19)
• Aichi FG official IR (confirmed 2026-05-19)

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[!info] Verification status confidence: likely (v1.1 public-source correction 2026-05-21). Removed the forecast wording for the 2025-01-01 bank merger and separated the current operating-company boundary into Aichi Bank. Quantitative data such as financial figures and branch counts to be continuously confirmed against the latest disclosure / securities report.