# Hyakujushi Bank

Hyakujushi Bank is a Bank / Wealth / Trust based in Takamatsu, Japan.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Takamatsu, Japan
- **Region:** Asia
- **Address:** Takamatsu-shi, Kagawa, Japan
- **Founded:** 1878
- **Assets under management:** Undisclosed
- **Website:** 114bank.co.jp
- **LinkedIn:** https://www.linkedin.com/company/%ef%bc%88%e6%a0%aa%ef%bc%89%e7%99%be%e5%8d%81%e5%9b%9b%e9%8a%80%e8%a1%8c
- **Wikidata:** Q11580692

## Regulatory record

- **Reports private funds:** No

## About

Hyakujushi Bank was founded in 1878 as Japan’s 14th national bank and later transitioned into a regional bank serving Kagawa prefecture and the broader Shikoku region. It remains headquartered in Takamatsu and operates primarily as a deposit-taking and lending institution for local individuals and small-to-medium enterprises. The bank's asset base is largely deployed through traditional commercial banking — SME lending, housing loans, and public-sector finance tied to Kagawa and neighboring Ehime and Tokushima prefectures. On the investment side, it maintains a conservative portfolio concentrated in Japanese government bonds, corporate bonds, and investment trusts. The bank has historically sought higher yields through limited allocations to foreign securities and alternative assets, including real estate and private credit funds, though these remain a modest share of its total balance sheet relative to larger city banks. Hyakujushi Bank operates through a network of branches concentrated in the Seto Inland Sea region. Its total asset size has remained stable in recent years, though like many regional Japanese banks it faces structural headwinds from an aging population and prolonged low interest rates. In February 2023, the bank joined a growing list of regional lenders pursuing consolidation talks, exploring a business integration with Kagawa Prefecture-based Kiraboshi Bank, though no final agreement materialized by late 2023 (per Nikkei Asia, 2023). The bank also maintains a securities arm and has supported local government initiatives around the Setouchi Triennale art festival, blending regional sponsorship with its corporate brand. What structurally differentiates Hyakujushi Bank from peer regional lenders is its quirk of history: it was originally chartered as a national bank under the Meiji government's modernization drive, then found its permanent identity in Shikoku while other national banks scaled nationally or disappeared. This legacy gives it a formal corporate lineage older than most Japanese institutions, though its operational footprint remains resolutely local — a tension that shapes its conservative risk appetite and slow-moving diversification strategy.

## Sectors

- Private Credit
- Real Estate

## Questions

### What is Hyakujushi Bank's origin, and how has its corporate structure changed?

Hyakujushi Bank was originally chartered in 1878 as the 114th National Bank under Japan's Meiji-era banking reforms. It later converted into a private regional bank. Its name — literally 'one hundred forty' — reflects that original national-bank numbering, a practice abandoned by most Japanese financial institutions long ago. The bank retains this name despite having no connection to a broader national network.

### Does Hyakujushi Bank manage assets for external clients or function as a trust bank?

Hyakujushi Bank has a securities subsidiary that offers investment products to retail and corporate clients, but its primary function is commercial banking rather than asset management. It does operate trust-banking-adjacent services for local clients, though it is not classified primarily as a trust bank like Mitsubishi UFJ Trust or Sumitomo Trust.

### Which regions does Hyakujushi Bank serve, and where are its branches concentrated?

The bank's branch network is concentrated in Kagawa prefecture on the island of Shikoku, with additional offices in neighboring Ehime and Tokushima prefectures. It also maintains limited representation in Osaka and Tokyo for interbank and institutional purposes. The Seto Inland Sea region accounts for nearly all of its lending volume.

### Has Hyakujushi Bank participated in the regional bank consolidation wave in Japan?

Yes. In February 2023, Hyakujushi Bank entered business integration discussions with Kiraboshi Bank, another Kagawa-based institution, though no merger was completed by year-end. The talks reflect broader pressure on Japan's regional banks, which face shrinking domestic populations, ultra-low interest rates, and government encouragement to consolidate (per Nikkei Asia, 2023).

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Last updated: 2026-06-03T20:00:00.000Z

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