The Saikyo Bank

Wiki route

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

TL;DR

The Saikyo Bank, Ltd. (株式会社西京銀行) is a second regional bank headquartered in Shunan City, Yamaguchi Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank-license list. It is the standalone second-regional-bank operating-company anchor for Yamaguchi Prefecture, treated as a separate-legal-entity peer of the Yamaguchi Bank / Momiji Bank / The Kitakyushu Bank under Yamaguchi FG (YMFG). 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, saikyobank.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 Saikyo Bank is a second regional bank that, centered on Yamaguchi Prefecture, handles retail deposits, SME finance, consumer loans, and local relationship banking. The YMFG page covers a multi-bank holding-company strategy (the 3-bank model), while this page covers the independent second-regional-bank license boundary. In the Chugoku region it has a peer boundary with Hiroshima Bank / Momiji Bank.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, the FSA (FSA) and the Chugoku 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 YMFG’s multi-bank model and second-regional-bank realignment in the Chugoku region, see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name operating-company gap for the Saikyo Bank.
• Adds the missing non-YMFG Yamaguchi bank anchor.
• Provides a peer anchor for YMFG, Momiji Bank, and The Kitakyushu Bank.

Related

• regional-banks INDEX
• yamaguchi-fg
• momiji-bank
• kitakyushu-bank
• hiroshima-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

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