The Kochi Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Shikoku 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 Kochi Bank, Ltd. (株式会社高知銀行) is a second regional bank headquartered in Kochi City, Kochi 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 Kochi Prefecture, treated as a separate-legal-entity peer of the first regional bank Shikoku Bank. The substance of its business is the standard second-regional-bank model: deposit-taking 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, kochi-bank.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 Kochi Bank is a second regional bank that, centered on Kochi Prefecture, handles retail deposits, SME finance, local relationship banking, and regional customer support. Within Kochi Prefecture it has a first / second-regional-bank peer boundary with the first regional bank Shikoku Bank. In the wider Shikoku area it is compared with Iyo Bank, Ehime Bank, and The Awa Bank.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, the FSA (FSA) and the Shikoku Local Finance Bureau supervise. Soundness is disciplined through capital-adequacy-ratio regulation (domestic standard) and the like.
• Industry body: A second regional bank belonging to the Second Association of Regional Banks (Daini Chigin Kyo). It participates in the Zengin System (the nationwide bank funds-transfer settlement network) and, as an industry body, is connected to the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation of Japan (DIC).
• Consolidation context: For the general context of second-regional-bank realignment and consolidation pressure in Shikoku, see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name operating-company gap for the Kochi Bank.
• Separates Kochi second-regional-bank coverage from Shikoku Bank.
• Provides a bank-level anchor for Shikoku regional-bank comparison.

Related

• regional-banks INDEX
• shikoku-bank
• awa-bank
• hyakujushi-bank
• iyo-bank
• ehime-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): bank license list (ginkou.xlsx), second regional banks.
• The Kochi Bank official company profile (会社概要).