Momiji Bank

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Hiroshima Bank for the same-prefecture peer / contrast (first vs second regional bank), and against the FSA plus banking for the supervisory / system boundary.

TL;DR

Momiji Bank, Ltd. (株式会社もみじ銀行) is a second-tier regional bank headquartered in Hiroshima City, Hiroshima Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is the Hiroshima-area operating bank under Yamaguchi FG (YMFG) and is treated as a second-regional-bank peer that is a separate legal entity from the first-tier regional bank Hiroshima Bank. Its business is the standard second-tier 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, momijibank.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

Momiji Bank is a second-tier regional bank that, centered on Hiroshima Prefecture, handles retail deposits, SME finance, local relationship banking, and Setouchi-area business support. Within YMFG’s 3-bank model (Yamaguchi Bank / Momiji Bank / The Kitakyushu Bank) it holds the Hiroshima brand / operating-company boundary. Within Hiroshima Prefecture it holds a peer boundary with the first-tier regional bank Hiroshima Bank (under Hirogin HD).

3. Regulatory & system positioning

• Supervision: Under the Banking Act, supervised by the FSA (FSA) and the Chugoku Local Finance Bureau. Soundness is disciplined by capital adequacy regulation (domestic standard) and the like.
• Industry body: A second-tier regional bank belonging to the Second Association of Regional Banks (Daini Chiginkyo). It participates in the nationwide bank funds settlement network (the Zengin System), and as an industry body it belongs to the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC).
• Consolidation context: For the general context of YMFG’s multi-bank model and regional-bank reorganization in the Chugoku region, see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name operating-company gap for Momiji Bank.
• Separates Hiroshima second-regional-bank coverage from Hiroshima Bank and Hirogin HD.
• Provides a bank-level anchor for YMFG multi-bank structure.

Related

• regional-banks INDEX
• yamaguchi-fg
• hiroshima-bank
• hirogin-hd
• kitakyushu-bank
• chugoku-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

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