The Kagawa Bank

Wiki route

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

TL;DR

The Kagawa Bank, Ltd. (株式会社香川銀行) is a second regional bank headquartered in Takamatsu, Kagawa Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is the Kagawa operating bank under Tomony Holdings (Tomony HD), and is treated as a second-regional-bank peer that is a separate legal entity from Hyakujushi Bank, the first regional bank of Kagawa Prefecture. The substance of its business is the standard second-regional-bank model of taking deposits within the prefecture and lending to SMEs and individuals.

1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, kagawabank.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

2. Operating model

The Kagawa Bank is a second regional bank responsible for retail deposits, SME finance, personal loans, local relationship banking, and Tomony group cross-selling, centered on Kagawa Prefecture. The Tomony Holdings (Tomony HD) page covers group-level governance and the two-bank structure with Tokushima Taisho Bank, while this page covers the bank-license entity. Across the wider Shikoku region it has a peer boundary with Iyo Bank and The Awa Bank.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Shikoku Local Finance Bureau. Its soundness is disciplined by capital adequacy regulation (domestic standard) and the like.
• Industry body: A second regional bank belonging to the Second Association of Regional Banks (第二地銀協). 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 and consolidation pressure in Shikoku, see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name operating-company gap for 香川銀行.
• Separates Kagawa second-regional-bank coverage from Hyakujushi Bank.
• Provides a bank-level anchor for Tomony Holdings (Tomony HD) two-bank structure.

Related

• regional-banks INDEX
• tomony-hd
• hyakujushi-bank
• tokushima-taisho-bank
• awa-bank
• 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 Kagawa Bank official company profile (会社概要).