Howa Bank
On this page
Wiki route
This entry sits under regional-banks INDEX (its domain route). Read it against The Oita Bank for the same-prefecture first/second-regional peer / contrast, and against the FSA plus banking for the supervisory / system boundary. License-type context lives in financial licenses.
TL;DR
The Howa Bank, Ltd. (株式会社豊和銀行) is a second regional bank headquartered in Oita City, Oita Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is the second-regional-bank operating-company anchor for Oita Prefecture, and a local peer of the first regional bank The Oita Bank as a separate legal entity. Its business consists of the standard regional-bank model of deposit-taking within the prefecture and lending to SMEs and individuals.
1. License / group boundary
| Item | Notes |
|---|---|
| Legal name | 株式会社豊和銀行 / The Howa Bank, Ltd. |
| License route | Bank license under the Banking Act (second regional bank / 第二地銀); FSA bank license list |
| Group boundary | Standalone second regional bank (independent, not under an FG) |
| Home market | Oita / Oita City (headquartered in Oita Prefecture) |
| Wiki role | Oita second-regional-bank operating-company page |
2. Operating model
Howa Bank is a second regional bank that handles retail deposits, SME finance, consumer banking, and local relationship banking within Oita Prefecture. The The Oita Bank page covers the first-regional-bank incumbent, while this page covers the second-regional-bank license boundary. Oita Prefecture has a layered structure in which a first regional bank (Oita Bank) and a second regional bank (Howa Bank) coexist.
3. Regulatory & system positioning
- Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Kyushu Local Finance Bureau. 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 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 (DIC).
- Consolidation context: For the general context of second-regional-bank rationalization / consolidation in Kyushu, see regional-bank consolidation pattern.
4. Why this page matters
- Closes the FSA exact-name page for Howa Bank.
- Completes the Oita first / second regional-bank peer pair, indexed via regional-banks INDEX.
- Provides a Kyushu second-regional-bank anchor for shared-system and consolidation analysis.
Related
- regional-banks INDEX
- oita-bank
- fukuoka-fg
- nishi-nippon-fhd
- FSA
- regional-bank-consolidation-pattern
- INDEX
- FinWiki index
Sources
- FSA (金融庁): bank license list (
ginkou.xlsx), second regional banks. - The Howa Bank official company-information page (会社案内),
https://www.howabank.co.jp/aboutus/.
Discovery
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