The Bank of Saga

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Eighteenth Shinwa Bank, Ltd. for the adjacent-prefecture peer / contrast, and against the FSA plus banking for the supervisory / system boundary.

TL;DR

The Bank of Saga, Ltd. (株式会社佐賀銀行, “Sagin”) is a regional bank (first-tier regional bank) headquartered in Saga City, Saga Prefecture, that holds a bank license under the Banking Act and is listed on the FSA’s bank license list. It is the Saga prefecture first-regional-bank operating-company anchor, and it is treated as a standalone regional bank in northern Kyushu. Its business substance is in-prefecture deposit-taking and lending to SMEs, individuals, and local public entities.

1. License / group boundary

2. Operating model

The Bank of Saga is a first-tier regional bank that, centered on Saga Prefecture, handles retail deposits, SME finance, support for agriculture and local industries, and northern Kyushu relationship banking. It is organized as a standalone peer adjacent to the major bank groups of Fukuoka and Nagasaki Prefectures (Fukuoka FG (FFG) / NNFH), and it has a peer boundary with The Bank of Fukuoka, Eighteenth Shinwa Bank, Ltd., and Nishi-Nippon City Bank.

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 ratio regulation (domestic standard) and the like.
• Industry body: A first-tier regional bank belonging to the Regional Banks Association of Japan. It participates in the nationwide bank funds-settlement network (the Zengin System), and as an industry body it connects 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 northern Kyushu regional-bank reorganization and consolidation pressure, see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name operating-company gap for 佐賀銀行.
• Provides a Saga prefecture anchor for Kyushu regional-bank comparison.
• Adds a standalone peer against The Bank of Fukuoka, Eighteenth Shinwa Bank, Ltd., and Nishi-Nippon City Bank.

Related

• regional-banks INDEX
• fukuoka-bank
• 18-shinwa-bank
• nishi-nippon-city-bank
• oita-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

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