Daiwa Next Bank (大和ネクスト銀行)

Wiki route

This entry sits under regional-banks INDEX (its domain route — listed there in the digital / net / retail-platform banks group). Read it against Sony Bank for the net-bank peer / contrast, and against the FSA plus banking for the supervisory / system boundary. Parent group context lives in Daiwa Sg.

TL;DR

Daiwa Next Bank is the bank operating company of Daiwa Sg (net bank / other bank), holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is a deposit / foreign-currency / asset-formation support bank premised on linkage with Daiwa Securities accounts. On 2026-04-27 its parent (Daiwa Securities Group Inc.) announced that it had taken ORIX Bank as a wholly owned subsidiary for approximately 3,700 億円 and that it plans a future merger of the two banks, so its importance in the expansion of the securities group’s banking functions is increasing.

1. Corporate / license boundary

2. Business role

• As a net bank linked with Daiwa Securities accounts, it provides yen deposits, foreign-currency deposits, fund transfers, and asset-formation support.
• Because it connects with the nationwide network of Daiwa Securities branches and sales staff, it is a hybrid securities-bank model distinct from a fully online-only bank.
• If the subsidiarization and future merger of Orix Bank proceed, the expansion of the real-estate-loan and deposit base will become the focus (on a disclosed basis, the two banks combined aim for a substantial expansion of total-asset scale).
• It can be read as a “net bank originating from a business group” type, alongside the existing net bank Sony Bank.

3. Regulatory & system positioning

• Supervision: Supervised by the FSA (FSA) under the Banking Act. It is a net bank belonging not to the Regional Banks Association or the Second Association of Regional Banks but to the “other banks” category in the FSA classification. Its soundness is disciplined by capital-adequacy-ratio regulation and the like.
• Industry / system: It participates in the nationwide bank fund-settlement network (Zengin System), and as for an industry body it connects to the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).

4. Why a standalone page matters

The securities-company page of Daiwa Securities Group alone cannot track the bank license, deposit base, securities-account linkage, and Orix Bank integration. Daiwa Next Bank is a representative example for seeing “how far a securities group holds banking functions.”

Related

• regional-banks INDEX
• Sony Bank
• daiwa-sg
• orix-bank
• FSA
• post-megabank-positioning
• INDEX
• FinWiki index

Sources

• FSA (金融庁): bank license list (ginkou.xlsx), other banks.
• Daiwa Next Bank, company profile, https://www.bank-daiwa.co.jp/about/company/profile/.
• Daiwa Securities Group Inc. / Daiwa Next Bank, “On the subsidiarization of Orix Bank, Ltd.” (2026-04-27), https://www.bank-daiwa.co.jp/info/2026/pdf/0427_02.pdf.