Fukui Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Hokuriku Bank for the neighbouring-Hokuriku peer / contrast, and against the FSA plus banking for the supervisory / system boundary. License-type context lives in financial licenses.

TL;DR

The Fukui Bank, Ltd. (株式会社福井銀行) is a regional bank (first-tier regional bank) headquartered in Fukui City, Fukui Prefecture, holding a bank license under the Banking Act and listed on the FSA’s bank license list. As a regional bank on the Hokuriku / Chubu boundary, it has a standalone operating-company anchor in the wiki. Per official information, it has made the Fukuho Bank — also of Fukui Prefecture — a wholly owned subsidiary as of 2024-10-01, and a subsequent merger has been announced (merger agreement signed 2024-11-08, effective date scheduled for 2026-05-02). The substance of the business is the standard regional-bank model of taking in deposits within the prefecture and lending to SMEs, individuals, and local governments.

1. License / group boundary

2. Operating model

The Fukui Bank is a regional bank centered on Fukui Prefecture, handling retail deposits, SME finance, regional corporate relationships, Hokuriku manufacturing / services support, and local consulting. On the Hokuriku side it is compared with Hokuhoku FG and Hokkoku Fhd, but the Fukui Bank itself is not under an FG and is an independent first-tier regional bank. Through within-prefecture consolidation (subsidiarization and merger of Fukuho Bank), it is moving to consolidate the regional-bank share within Fukui Prefecture.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Hokuriku Local Finance Bureau. Soundness is disciplined by capital-adequacy regulation (domestic standard) and the like.
• Industry body: A first-tier regional bank belonging to the Regional Banks Association of Japan (Chiginkyo). It participates in the Zengin System (the nationwide bank funds-transfer network) and, as an industry body, falls under the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
• Consolidation context: For the general context of regional-bank realignment, including first-tier × second-tier regional-bank consolidation within Fukui Prefecture (Fukuho Bank), see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name page for the Fukui Bank.
• Completes the Chubu / Hokuriku-adjacent bank operating-company slice.
• Provides a bank-level anchor for local securities JV and Hokuriku regional-bank notes.

Related

• regional-banks INDEX
• hokuhoku-fg
• hokkoku-fhd
• daishi-hokuetsu-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): bank license list (ginkou.xlsx), regional banks.
• The Fukui Bank official company profile (会社概要), https://www.fukuibank.co.jp/aboutus/overview/profile/.
• The Fukui Bank merger disclosure page (福邦銀行との合併について), https://www.fukuibank.co.jp/merger/.