ORIX Bank

Wiki route

This entry sits under trust-banks INDEX (its domain route). Read it against Mitsubishi UFJ Trust and Banking (MUTB) for the contrast with a full-service megabank-group trust bank — ORIX Bank is a different animal — and against the FSA plus banking for the supervisory / system boundary. Its current parent is ORIX.

TL;DR

ORIX Bank Corporation (オリックス銀行) is a banking entity listed on the FSA’s bank license list, but rather than a trust-dedicated firm / trust bank like the megabank-group ones, it is a specialty bank closer to an “ordinary bank” that also conducts trust business (a trust-concurrent financial institution). Originating from Yamaichi Securities’ trust subsidiary, it joined the ORIX group as of 1998 年. It holds no ATMs and is internet-centric, specializing in investment-property loans, online time deposits (e-Direct deposits), and card loans. As of 2026-04-27 it has been announced that ORIX will transfer all shares to Daiwa Next Bank under Daiwa Sg, and an ownership transition watch is needed.

1. License / group boundary

2. Operating model

ORIX Bank is not a comprehensive megabank type but holds a specialty bank model focused on its areas of strength:

• Asset formation / management: investment-property loans, internet-only time deposits (e-Direct deposits), card loans.
• Concurrent trust operation: it handles trust products as a concurrent business, but its core business is on the deposit / lending side, and it differs in character from a megabank-group full-service trust bank.
• Low-infrastructure operation: it holds no ATM network and is internet-centric to keep costs down.

Supervision is conducted by Financial Services Agency (FSA) on both the banking and trust sides.

3. Why this page matters

• An anchor that dispels the dual misconception of “ORIX’s banking subsidiary” and “in the trust-bank category but in reality a trust-concurrent ordinary bank.”
• With the subsidiarization announced by Daiwa Next Bank in 2026 年, it became a target of realignment across securities group × bank license × property loans × trust functionality. The focal point shifts from the comprehensive finance of ORIX to the bank / wealth strategy of Daiwa Sg.
• Future consolidation, name changes, and regulatory approvals are tracked on this page. For post-megabank positioning, see post-megabank positioning.

Related

• trust-banks INDEX
• ORIX
• Daiwa Sg
• Daiwa Next Bank
• post-megabank positioning
• FSA
• FinWiki index

Sources

• FSA: bank license list (ginkou.xlsx).
• ORIX Bank: company overview.
• ORIX: Notice regarding the change (share transfer) of consolidated subsidiary ORIX Bank (2026-04-27).
• Daiwa Securities Group / Daiwa Next Bank: Regarding the subsidiarization of ORIX Bank Corporation (2026-04-27).

[!info] Verification status confidence: likely. The framework of the Concurrent Operation Act / Trust Business Act and the business type of “ordinary bank + concurrent trust, not trust-dedicated” are public facts based on public information and the official company overview. The 2026-04-27 share transfer / subsidiarization (acquisition amount, via Daiwa Next Bank, future merger plan) is based on disclosed IR, but the transfer-completion date and the final bank name / group designation are awaiting regulatory approval and are not yet fixed.