---
title: "香川銀行"
aliases: ["Kagawa Bank", "The Kagawa Bank", "株式会社香川銀行"]
domain: regional-banks
created: 2026-05-21
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-12-05
confidence: likely
tags: [JapanFG, banking, second-regional-bank, shikoku, kagawa, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/menkyoj/ginkou.xlsx"
  - "https://www.kagawabank.co.jp/about/gaiyou.html"
---

# 香川銀行

## Wiki route

This entry sits under [[regional-banks/INDEX|regional-banks INDEX]] (its domain route). Read it against [[regional-banks/hyakujushi-bank|百十四銀行]] for the same-prefecture peer / contrast (first vs second regional bank), and against [[financial-regulators/fsa|the FSA]] plus [[banking/INDEX|banking]] for the supervisory / system boundary.

## TL;DR

株式会社香川銀行 (The Kagawa Bank) は、銀行法上の銀行免許を持ち金融庁の銀行免許一覧に掲載される香川県高松市本店の第二地方銀行。[[regional-banks/tomony-hd|トモニホールディングス]] 傘下の Kagawa operating bank であり、香川県第一地銀の [[regional-banks/hyakujushi-bank|百十四銀行]] とは別法人の second-regional-bank peer として扱う。事業の中身は県内の預金受入と中小企業・個人向け貸出という第二地銀の標準モデル。

## 1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, kagawabank.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^[source:fsa.go.jp; kagawabank.co.jp]

| Item | Notes |
|---|---|
| Legal name | 株式会社香川銀行 / The Kagawa Bank, Ltd. |
| License route | 銀行法上の銀行免許 (second regional bank / 第二地銀); FSA bank license list |
| Group boundary | [[regional-banks/tomony-hd|トモニHD]] operating bank |
| Home market | Kagawa / Takamatsu（香川県本店） |
| Wiki role | Kagawa second-regional-bank operating-company page |

## 2. Operating model

香川銀行は、香川県を中心に retail deposits, SME finance, 個人ローン, local relationship banking, and Tomony group cross-selling を担う第二地方銀行。[[regional-banks/tomony-hd|トモニHD]] page は group-level governance と [[regional-banks/tokushima-taisho-bank|徳島大正銀行]] との two-bank structure を扱い、本ページは bank-license entity を扱う。四国広域では [[regional-banks/iyo-bank|伊予銀行]]、[[regional-banks/awa-bank|阿波銀行]] と peer boundary を持つ。

## 3. Regulatory & system positioning

- **Supervision**: 銀行法のもとで金融庁 ([[financial-regulators/fsa|FSA]]) と四国財務局が監督。自己資本比率規制（国内基準）等で健全性が規律される。
- **Industry body**: 第二地方銀行協会（第二地銀協）に属する第二地方銀行。全国銀行資金決済ネットワーク（全銀システム）に参加し、業界団体としては [[financial-regulators/zenginkyo|全国銀行協会（全銀協）]] の枠組みに連なる。
- **Depositor protection**: 預金は預金保険機構（DIC）の付保対象。
- **Consolidation context**: 四国の第二地銀再編・統合圧力の一般文脈は [[banking/regional-bank-consolidation-pattern|regional-bank consolidation pattern]] を参照。

## 4. Why this page matters

- Closes the FSA exact-name operating-company gap for 香川銀行.
- Separates Kagawa second-regional-bank coverage from [[regional-banks/hyakujushi-bank|百十四銀行]].
- Provides a bank-level anchor for [[regional-banks/tomony-hd|トモニHD]] two-bank structure.

## Related

- [[regional-banks/INDEX|regional-banks INDEX]]
- [[regional-banks/tomony-hd]]
- [[regional-banks/hyakujushi-bank]]
- [[regional-banks/tokushima-taisho-bank]]
- [[regional-banks/awa-bank]]
- [[financial-regulators/fsa|FSA]]
- [[banking/regional-bank-consolidation-pattern]]
- [[banking/INDEX]]
- [[INDEX|FinWiki index]]

## Sources

- FSA (金融庁): 銀行免許一覧 (`ginkou.xlsx`), second regional banks.
- The Kagawa Bank official company profile (会社概要).