Howa Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against The Oita Bank for the same-prefecture first/second-regional peer / contrast, and against the FSA plus banking for the supervisory / system boundary. License-type context lives in financial licenses.

TL;DR

The Howa Bank, Ltd. (株式会社豊和銀行) is a second regional bank headquartered in Oita City, Oita 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 Oita Prefecture, and a local peer of the first regional bank The Oita Bank as a separate legal entity. Its business consists of the standard regional-bank model of 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, howabank.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

Howa Bank is a second regional bank that handles retail deposits, SME finance, consumer banking, and local relationship banking within Oita Prefecture. The The Oita Bank page covers the first-regional-bank incumbent, while this page covers the second-regional-bank license boundary. Oita Prefecture has a layered structure in which a first regional bank (Oita Bank) and a second regional bank (Howa Bank) coexist.

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 regulation (domestic standard) and the like.
• Industry body: A second regional bank in the Second Association of Regional Banks (第二地銀協) lineage. It participates in the Zengin System (the nationwide bank funds-transfer network) and, as an industry body, falls under the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).
• Consolidation context: For the general context of second-regional-bank rationalization / consolidation in Kyushu, see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name page for Howa Bank.
• Completes the Oita first / second regional-bank peer pair, indexed via regional-banks INDEX.
• Provides a Kyushu second-regional-bank anchor for shared-system and consolidation analysis.

Related

• regional-banks INDEX
• oita-bank
• fukuoka-fg
• nishi-nippon-fhd
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): bank license list (ginkou.xlsx), second regional banks.
• The Howa Bank official company-information page (会社案内), https://www.howabank.co.jp/aboutus/.