The Fukushima Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Daito Bank for the same-prefecture second-regional peer / contrast, and against the FSA plus banking for the supervisory / system boundary. The first-regional-bank anchor for Fukushima Prefecture is Toho Bank.

TL;DR

The Fukushima Bank, Ltd. (株式会社福島銀行) is a second regional bank headquartered in Fukushima Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. While Toho Bank is the first-regional-bank anchor for Fukushima Prefecture, the Fukushima Bank is the retail / SME / local reconstruction-finance anchor on the second-regional-bank side. It is often discussed in the context of its alliance with the SBI group (the regional-finance partnership of SBI Regional Bank Holdings). The substance of its business is the standard regional-bank model of taking deposits within the prefecture and lending to SMEs and individuals.

1. License / group boundary

2. Operating model

The Fukushima Bank is a second regional bank responsible for retail deposits, SME finance, mortgage / personal loans, and local business support within Fukushima Prefecture. Fukushima Prefecture carries a heavy context of post-earthquake / post-nuclear-accident reconstruction finance, business succession, and population decline, so its layered regional-finance structure should be viewed together with Toho Bank and The Daito Bank.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Tohoku Local Finance Bureau. Its soundness is disciplined by capital adequacy regulation (domestic standard) and the like.
• Industry body: A second regional bank in the Second Association of Regional Banks (第二地銀協) lineage. It participates in the nationwide bank funds-settlement network (Zengin System), and as an industry body it connects to the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).
• Consolidation context: For the general context of second-regional-bank reorganization, including SBI-line alliances, see regional-bank consolidation pattern.

4. Why this page matters

• B2.2 closes a licensed-bank exact-name gap in the Fukushima banking cluster.
• Separates the bank from parentless / alliance-only references in sbi-regional-bank-hd.
• Provides a peer for daito-bank and toho-bank.

Related

• regional-banks INDEX
• toho-bank
• daito-bank
• SBI Regional Bank Holdings
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): 銀行免許一覧 (ginkou.xlsx), second regional banks.
• The Fukushima Bank official company profile (会社概要), https://www.fukushimabank.co.jp/company/profile/.