Regional Banks in Japan 2008 - WikiLeaks · 2014. 1. 14. · The number of regional banks The number of branches (including overseas branches) The number of ATMs The number of directors

The number of regional banks The number of branches (including overseas branches) The number of ATMs The number of directors and employees

64 7,456

35,669

127,587

（March 31,2008）

We, the 64 regional banks in Japan, have for a long time enjoyed

the patronage of the people of our regions as banks that move

in step with the community.

The regional banks as financial institutions that have the trust

of their customers, will continue to contribute to the activation

of regional societies through meeting various financial needs in

the regions, by enhancing financial functions such as relationship-

based banking.

Gifu The Ogaki Kyoritsu BankThe Juroku Bank

Kyoto The Bank of Kyoto

Shiga THE SHIGA BANK

Aichi Osaka The Kinki Osaka BankThe Senshu BankThe Bank of Ikeda

Wakayama The Kiyo Bank

Mie The Mie BankThe Hyakugo Bank Nara

The Nanto Bank

Tottori THE TOTTORI BANK Shimane

The San-in Godo Bank

Hiroshima The Hiroshima Bank Yamaguchi

The Yamaguchi Bank

Okayama The Chugoku Bank

Hyogo The Tajima Bank

Kagawa The Hyakujushi Bank

Tokushima The Awa Bank

Ehime The Iyo Bank

Kochi The Shikoku Bank

Kagoshima THE KAGOSHIMA BANK

Oita THE OITA BANK

Saga THE BANK OF SAGA

Kumamoto The Higo Bank

Miyazaki The Miyazaki Bank

Nagasaki The Eighteenth BankTHE SHINWA BANK

Okinawa Bank of The RyukyusThe Bank of Okinawa

Fukuoka THE BANK OF FUKUOKA

The Chikuho BankTHE NISHI-NIPPON CITY BANK

Ishikawa The Hokkoku Bank

Fukui The Fukui Bank

Shizuoka THE SHIZUOKA BANKSuruga BankTHE SHIMIZU BANK

Chiba The Chiba BankThe Chiba Kogyo Bank

Tokyo The Tokyo Tomin Bank

Saitama The Musashino Bank

Gunma The Gunma Bank

Tochigi The Ashikaga Bank

Nagano The Hachijuni Bank

Niigata The Daishi Bank

The Hokuetsu Bank Toyama The Hokuriku BankTHE TOYAMA BANK

Fukushima The Toho Bank

Miyagi The 77 Bank

Ibaraki The Joyo BankThe Kanto Tsukuba Bank

Yamagata THE SHONAI BANKThe Yamagata Bank

Iwate The Bank of IwateTHE TOHOKU BANK

Akita THE AKITA BANKThe Hokuto Bank

Aomori The Aomori BankTHE MICHINOKU BANK

Hokkaido The Hokkaido Bank

Kanagawa The Bank of Yokohama

Yamanashi The Yamanashi Chuo Bank

Regional Banks in Japan 2008

2

■ Japan’s Financial SystemThere are three types of financial institutions in Japan: the central bank (Bank of Japan),

private financial institutions, and public financial institutions. Private financial institutions can be divided into two main types, namely, institutions that accept deposits and others. In addition, institutions that accept deposits can be further broken down into banks, cooperative financial institutions, and the federations of cooperative financial institutions.

Regional banks are banks licensed under the Banking Law, as are city banks and member banks of the Second Association of Regional Banks (most of which were mutual banks and have been registered as banks since 1989), and play a main role as commercial banks in Japan. Whereas city banks offer banking services to relatively many large corporate customers, regional banks (and member banks of the Second Association of Regional banks) focus their business mainly on retail banking.

(See diagram: Breakdown of Financial Institutions in Japan)

■ Current Situation and Characteristics of Regional BanksCurrent Situation of Regional Banks

As of March 31, 2008, there are 64 regional banks. Headquarters for regional banks are located in major and mid-size cities throughout the country, around which they have built major business bases. The majority of their loan customers, more than 80 percent, are local small and medium-sized companies and consumers. As for deposits, individual deposits account for approximately 70 percent of all the deposits.Characteristics of Regional Banks□ Main Financial Institution in Their Regions

Regional banks have branch networks around their headquarters, and they function as the main financial service providers in the regions. Not only accepting deposits and financing, but also they are providing payment services to their customers through nationwide networks for ATMs and fund transfer. In addition, to meet the customers diversifying financial needs, they are offering securities services _ such as retail sales of government bonds and mutual funds _ and international services. They have also started to provide some insurance products and financial instruments intermediary services in line with recent progress of deregulation conducted by Japanese government.□ Regional Involvement

Regional banks are making every effort to keep credit opportunities available constantly in the regions, and they are involved in numerous local community projects including sending their staffs, as well as joining volunteer activities to contribute to the regional society. These behaviors are based on their management principles “Growing in step with the regional communities” .

In addition, they are contributing to financial stabilization of local public institutions, which include prefectural and municipal governments, by handling fiscal cash management as their designated financial institutions or through providing loans.□ Sound Management

As regional banks’ business bases are in the specific regions, their keys for success are to win reliance from their customers in the regions. So they have given high priority for sound management for a long time. Recently, they have been trying to make their risk management techniques more highly sophisticated. They have been trying to use alternative channel such as Internet and to update IT infrastructure from the viewpoint of increasing efficiency of the operations.

Regional Banks in JapanRegional Banks in Japan

3

Breakdown of Financial Institutions in Japan

CENTRAL BANK Bank of Japan

City banksRegional banksMember banks of the Second Association of Regional Banks (Tier II regional banks)Trust banksForeign banks in JapanJapan Post (Japan Post Bank)Other banks

Shinkin banksCredit cooperativesLabour banksAgricultural cooperativesFishery cooperatives

Shinkin Central Bank (the central financial institution for the Shinkin banks)The Shinkumi Federation Bank (the national federation of credit cooperatives)The Rokinren Bank (the national federation of Labour banks)The Norinchukin Bank (the central bank for the Japanese agricultural, forestry, and fishery cooperatives) Credit federations of agricultural cooperatives Credit federations of fishery cooperativesThe Shoko Chukin Bank (the central cooperative bank for commerce and industry)

BANKS

COOPERATIVEFINANCIALINSTITUTIONS

FEDERATIONS OF COOPERATIVEFINANCIALINSTITUTIONS

Securities companiesSecurities finance companiesInvestment trust management companiesInvestment advisory companies

Life insurance companiesNonlife insurance companiesJapan Post (Japan Post Insurance)Various mutual aid systems

Consumer credit companiesBusiness loan companiesLeasing companiesMortgage securities companiesMoney market dealers

SECURITIESRELATEDCOMPANIES

Development Bank of JapanJapan Bank for International CooperationNational Life Finance CorporationJapan Finance Corporation for Small and Medium EnterpriseAgriculture, Forestry and Fisheries Finance CorporationJapan Housing Finance AgencyJapan Finance Corporation for Municipal EnterprisesThe Okinawa Development Finance CorporationOther government affiliated financial bodies

INSURANCE

OTHERS

PRIVATE

FINANCIAL

INSTITUTIONS

PUBLIC

FINANCIAL

INSTITUTIONS

INSTITUTIONS

THAT ACCEPT

DEPOSITS

OTHER

PRIVATE

FINANCIAL

INSTITUTIONS

(June 30, 2008)

4

0 （％） 20 40 60 80 100 0 （％） 20 40 60 80 100

67.1

14.3

32.9

85.7

55.5

13.8 86.2

44.5

0 （％） 20 40 60 80 100

22.7 45.9 26.3

2.1

31.3 60.0

3.33.3 2.03.1

0 （％） 20 40 60 80 100

4

stnuocsid & snaoLstisopeD

City banks 31.4％

Tier II regional banks 6.5％

Domestically licensed banks excluding regional banks,

city banks and tier II regional banks 7.0％

Shinkin banks 13.1％

Financial institutions for agriculture,

forestry and fishery 10.6％ Regional banks 23.1％

City banks 33.2％


Domestically licensed banks excluding regional banks,

city banks and tier II regional banks 7.7％


Financial institutions for agriculture,

forestry and fishery 7.1％ Others 6.3％

Others 8.3％ Regional

banks 26.6％

Regional banks

13.9

Domestically licensed banks

excluding regional banks

Regional banks



Corporations 21.1 Individuals 72.5

Financial institutions' deposits 1.3 Large enterprisesPublic deposits 3.8 Others 1.3 Medium-sized enterprises 3.7 Local governments 7.7

Small-sized enterprises 45.1 Individuals 29.6

Regional banks



Regional banks



＄5,609 billion

C3,523 billion

＄8,735 billion

C5,486 billion

Proportions of Deposits and Loans by Area

Proportions of Deposits by Sector

Urban areasRegional Areas

DepositsUrban areasRegional Areas

Loans & discounts

Current Status of the Regional Banks

Notes : (1)The figures above exclude those of Japan Post Bank (it is bellow the same)(2)Deposits include CDs, bank debentures and installment savings.(3)￥99.37=US$1, the middle rate between offers and bids surveyed from interbank market participants etc as of 5:00 p.m. at the date by Tokyo inter-bank market participants (it is bellow the same)(4)￥158.21= C1, the bid rate reported by the FRB of New York as of noon at the date (New York time), arbitraged on the Tokyo inter-bank market central rate (it is bellow the same)

Source : Bank of Japan

(March 31, 2008)

(March 31, 2008)

(March 31, 2008)(March 31, 2008)

Sources :Note :

Regional Banks Association of Japan, Bank of JapanUrban areas comprise Saitama, Chiba, Tokyo, Kanagawa, Aichi, Kyoto, Osaka, Hyogo and Fukuoka Prefectures.Regional areas comprise the remaining 38 prefectures.

napaJ fo knaB ,napaJ fo noitaicossA sknaB lanoigeR: secruoSnapaJ fo knaB ,napaJ fo noitaicossA sknaB lanoigeR: secruoS

Shares of Deposits and Loans of Private Financial Institutions

Proportions of Loans by Sector

5

16 14 12 10 8 6 4 2 0

240

220

200

180

160

140

120

100

80

60

40

20

0

500

400

350

300

250

200

150

100

50

0

30

25

20

15

10

5

0

13

12

11

10

9

8

7

（％）

3/04 3/05 3/06 3/07 3/08

3/04 3/05 3/06 3/07 3/08

（％）

3/04 3/05 3/06 3/07 3/08

（％）（％）（％）

1

0.9

0.8

0.7

0.6

0.5

70

65

60

55

50

45

403/04 3/05 3/06 3/07 3/08（FY）

11.82

9.59

11.97

9.8610.24

10.8261.10

0.72

60.55

0.72

59.72

0.73

59.80

0.72

60.96

0.69

12.09

12.73

10.84

12.48

ROA（left scale）

OHR（right scale）

B

A

($billion)($billion)Amount of home mortgage loans（left scale）

Home mortgage loans / Total outstanding loans（right scale）

Investment trusts （left scale）

Public bonds （left scale）

（Public bonds＋Investment trusts）／ YEN Deposits（right scale）

Domestically licensed banks excluding

regional banks 24.8％


Others 8.1％ The Shinkumi Federation Bank, credit cooperatives, etc.2.9%

City banks 47.2％

Shinkin Central Bank, Shinkin banks 9.8％

Regional banks 53.8％

Regional banks 28.0％


Others 5.5％

Number of transactions

1,361 million cases

＄211 billion

C132 billion

(April 2007 thru March 2008)

Shares of Finance Provided forLocal Governments

Home Mortgage Loans Held by Regional BanksHome Mortgage Loans Held by Regional Banks

Capital Adequacy Ratios

Public Bonds and Investment Trusts Held inCustody by Regional Banks

ROA・OHR

Domestic Fund Transfers by Type of InstitutionDomestic Fund Transfers by Type of Institution

Source :Note:

Regional Banks Association of Japan¥99.37=US$1

Source :Notes :

Regional Banks Association of Japan(1)The figures above are those of individual customers.(2)¥99.37=US$1

(March 31, 2008)

Sources : Regional Banks Association of Japan, Bank of Japan Source : Japanese Bankers AssociationNote : “The Shinkumi Federation Bank, credit cooperatives, etc.” include the Rokinren

Bank, labour banks, the Norinchukin Bank, credit federations of agricultural cooperatives, credit federations of fishery cooperatives, agricultural cooperatives.

Source :Note :

Regional banks Association of JapanOHR=General and administrative expenses / Gross operating profits from core businessROA=Operating profits from core business / Total assets

Source :Notes :

Regional Banks Association of Japan(1)A = figure for internationally active regional banks, according to the Basel standards (on a consolidated basis) (2)B = figure for domestically active regional banks, according to domestic standards (on a non-consolidated basis)(3)A bank which had negative capital adequacy ratio is excluded.

Public Bonds and Investment Trusts Held inCustody by Regional Banks

6

The Hokkaido Bank

The Aomori Bank

THE MICHINOKU BANK

The Bank of Iwate

THE TOHOKU BANK

The 77 Bank

THE AKITA BANK

The Hokuto Bank

THE SHONAI BANK

The Yamagata Bank

The Toho Bank

The Joyo Bank

The Kanto Tsukuba Bank

The Ashikaga Bank

The Gunma Bank

The Musashino Bank

The Chiba Bank

The Chiba Kogyo Bank

The Tokyo Tomin Bank

The Bank of Yokohama

The Daishi Bank

The Hokuetsu Bank

The Yamanashi Chuo Bank

The Hachijuni Bank

The Hokuriku Bank

THE TOYAMA BANK

The Hokkoku Bank

The Fukui Bank

The Ogaki Kyoritsu Bank

The Juroku Bank

THE SHIZUOKA BANK

Suruga Bank

Sapporo

Aomori

Aomori

Morioka

Morioka

Sendai

Akita

Akita

Tsuruoka

Yamagata

Fukushima

Mito

Tsuchiura

Utsunomiya

Maebashi

Saitama

Chiba

Chiba

Tokyo

Yokohama

Niigata

Nagaoka

Kofu

Nagano

Toyama

Takaoka

Kanazawa

Fukui

Ogaki

Gifu

Shizuoka

Numazu

38,652

21,258

18,771

23,933

6,514

56,592

22,250

11,069

8,802

18,410

28,745

74,179

13,280

44,250

59,795

34,202

98,284

21,115

24,529

116,993

41,046

21,088

26,185

60,573

57,059

3,791

31,146

21,407

36,974

41,164

90,836

31,157

Name of Bank

Head Office

Telephone No.

URL

Total Assets

in US $ million

24,277

13,352

11,790

15,032

4,091

35,545

13,975

6,952

5,528

11,563

18,054

46,591

8,341

27,793

37,557

21,482

61,731

13,262

15,406

73,482

25,780

13,245

16,446

38,045

35,838

2,381

19,562

13,446

23,223

25,855

57,053

19,569

011-261-7111

017-777-1111

017-774-1111

019-623-1111

019-651-6161

022-267-1111

018-863-1212

018-833-4211

0235-22-5211

023-623-1221

024-523-3131

029-231-2151

029-821-8111

028-622-0111

027-252-1111

048-641-6111

043-245-1111

043-243-2111

03-3582-8251

045-225-1111

025-222-4111

0258-35-3111

055-233-2111

026-227-1182

076-423-7111

0766-21-3535

076-263-1111

0776-24-2030

0584-74-2111

058-265-2111

054-261-3131

055-962-0080

http：//www.hokkaidobank.co.jp/

http：//www.a-bank.jp/

http：//www.michinokubank.co.jp/

http：//www.iwatebank.co.jp/

http：//www.tohoku-bank.co.jp/

http：//www.77bank.co.jp/

http：//www.akita-bank.co.jp/

http：//www.hokutobank.co.jp/

http：//www.shonai.co.jp/

http：//www.yamagatabank.co.jp/

http：//www.tohobank.co.jp/

http：//www.joyobank.co.jp/

http：//www.kantotsukuba-bank.co.jp/

http：//www.ashikagabank.co.jp/

http：//www.gunmabank.co.jp/

http：//www.musashinobank.co.jp/

http：//www.chibabank.co.jp/

http：//www.chibakogyo-bank.co.jp/

http：//www.tominbank.co.jp/

http：//www.boy.co.jp/

http：//www.daishi-bank.co.jp/

http：//www.hokuetsubank.co.jp/

http：//www.yamanashibank.co.jp/


http：//www.hokugin.co.jp/

http：//www.toyamabank.co.jp/

http：//www.hokkokubank.co.jp/

http：//www.fukuibank.co.jp/

http：//www.okb.co.jp/

http：//www.juroku.co.jp/

http：//www.shizuokabank.co.jp/

http：//www.surugabank.co.jp/

Regional Banks Directory

Notes : (1) Figures are shown as at the end of March 2008.(2) Homepage addresses as of the end of June 2008.(3) ￥99.37=US $ 1, ￥158.21= C 1

in C million

7

THE SHIMIZU BANK

The Mie Bank

The Hyakugo Bank

THE SHIGA BANK

The Bank of Kyoto

The Kinki Osaka Bank

The Senshu Bank

The Bank of Ikeda

The Nanto Bank

The Kiyo Bank

The Tajima Bank

THE TOTTORI BANK

The San-in Godo Bank

The Chugoku Bank

The Hiroshima Bank

The Yamaguchi Bank

The Awa Bank

The Hyakujushi Bank

The Iyo Bank

The Shikoku Bank

THE BANK OF FUKUOKA

The Chikuho Bank

THE NISHI-NIPPON CITY BANK

THE BANK OF SAGA

The Eighteenth Bank

THE SHINWA BANK

The Higo Bank

THE OITA BANK

The Miyazaki Bank

THE KAGOSHIMA BANK

Bank of The Ryukyus

The Bank of Okinawa

Shizuoka

Yokkaichi

Tsu

Otsu

Kyoto

Osaka

Kishiwada

Ikeda

Nara

Wakayama

Toyooka

Tottori

Matsue

Okayama

Hiroshima

Shimonoseki

Tokushima

Takamatsu

Matsuyama

Kochi

Fukuoka

Kurume

Fukuoka

Saga

Nagasaki

Sasebo

Kumamoto

Oita

Miyazaki

Kagoshima

Naha

Naha

Name of Bank

Head Office

Telephone No.

054-353-5151

059-353-3111

059-227-2151

077-524-2141

075-361-2211

06-6945-2121

072-423-2131

072-751-3521

0742-22-1131

073-423-9111

0796-24-2111

0857-22-8181

0852-55-1000

086-223-3111

082-247-5151

0832-23-3411

088-623-3131

087-831-0114

089-941-1141

088-823-2111

092-723-2131

0942-32-5331

092-476-1111

0952-24-5111

095-824-1818

0956-24-5111

096-325-2111

097-534-1111

0985-27-3131

099-225-3111

098-866-1212

098-867-2141

http：//www.shimizubank.co.jp/

http：//www.miebank.co.jp/

http：//www.hyakugo.co.jp/

http：//www.shigagin.com

http：//www.kyotobank.co.jp/

http：//www.kinkiosakabank.co.jp/

http://www.senshubank.co.jp/

http：//www.ikedabank.co.jp/

http：//www.nantobank.co.jp/

http：//www.kiyobank.co.jp/

http：//www.tajimabank.co.jp/

http://www.tottoribank.co.jp/

http：//www.gogin.co.jp/

http：//www.chugin.co.jp/

http：//www.hirogin.co.jp/

http：//www.yamaguchibank.co.jp/

http：//www.awabank.co.jp/


http：//www.iyobank.co.jp/

http：//www.shikokubank.co.jp/

http：//www.fukuokabank.co.jp/

http：//www.chikugin.co.jp/

http：//www.ncbank.co.jp/

http：//www.sagabank.co.jp/


http：//www.shinwabank.co.jp/

http：//www.higobank.co.jp/

http：//www.oitabank.co.jp/

http：//www.miyagin.co.jp/

http：//www.kagin.co.jp/

http：//www.ryugin.co.jp/

http：//www.okinawa-bank.co.jp/

13,020

15,451

39,993

41,244

66,691

36,206

21,441

27,220

45,805

35,181

8,273

8,199

36,545

57,923

61,464

49,218

24,634

36,811

48,226

24,605

81,450

5,736

66,937

19,414

23,554

21,273

35,869

26,079

18,615

31,402

15,344

13,821

Total Assets

in US $ million

8,177

9,704

25,119

25,905

41,888

22,741

13,467

17,096

28,770

22,097

5,196

5,150

22,954

36,381

38,605

30,913

15,472

23,120

30,290

15,454

51,158

3,602

42,042

12,193

14,794

13,361

22,528

16,380

11,691

19,723

9,637

8,681

in C million

URL

The 64 regional banks carry out cooperative business operations for improving customer services. The banks are running the Credit Risk Information Total Service （CRITS）， to enable each bank to perform financial intermediary functions more sufficiently through enhanced credit risk management. The nationwide cash card service (ACS：All Chigin Card Service) allows customers to withdraw cash from their deposit accounts via the regional banks

, network of 35,669 ATMs (at the end of March 2008).

And the banks have set up corporations that operate the Bank Card system and the data transmission system of regional banks (CNS：Chigin Network Services). Bank Cards are multi-function cards issued by the regional banks that combine the features of cash cards and credit cards, while CNS is a firm banking system that links all the 64 regional banks.

The Regional Banks' Cooperations Improving Customer Services

The Regional Banks Association of Japan engages in activities that address various management issues common to all the regional banks, with the aim of fostering their sound development and thus contributing to the prosperity of regional economies. As the regional banks are expected to play a greater role to activate regional economies, the association intends to perform and improve the following functions: (1)providing information and assisting to establish their business strategies; (2)acting as the representative and the window of the industry; (3)promoting cooperative operations and development; (4)acting as a forum for the exchange of information among regional banks; (5)carrying out surveys and conducting research; and (6)providing educational services.

Activities of the Regional Banks Association of Japan

3-1-2 Uchikanda, Chiyoda-ku, Tokyo, JapanTelephone:Tokyo (03) 3252-5171

http://www.chiginkyo.or.jp/

Documents

Regional Banks in Japan 2008 - WikiLeaks · 2014. 1. 14. · The number of regional banks The number of branches (including overseas branches) The number of ATMs The number of directors