Japan · Financial institution
The Towa Bank Limited
Legal name in the LEI record株式会社 東和銀行
The Towa Bank, Ltd. is a Japanese joint-stock company with its head office in Maebashi, Gunma Prefecture. It is classed as a second-tier regional bank. Its shares are listed on the Prime Market of the Tokyo Stock Exchange and no controlling shareholder is disclosed. It provides deposit, lending, investment and foreign exchange services to individuals and small and medium-sized companies. Its 91 branches are in Gunma, Saitama, Tokyo and Tochigi. The bank traces its origins to 1917. In February 1989 it converted from a mutual bank to an ordinary bank under its present name. It fully repaid public capital received in 2009 in May 2024.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- TOWAJPJTXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under TOWAJPJT directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 1993-03-01
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Ownership
Publicly listed
Ticker 8558
Institution type
Commercial bank
Trades as 東和銀行 (TOWA)
- Standing
- The bank is active. According to its foreign exchange page, it will stop accepting export letters of credit, import letters of credit and foreign-currency impact loans on 30 September 2027.
- Ownership
- The bank is listed on the Tokyo Stock Exchange Prime Market and no controlling shareholder is disclosed.
- Stock listing
- Tokyo Stock Exchange (Prime Market) 8558
- Head office
- 本町二丁目12番6号 (2-12-6 Honmachi), 371-8560 Maebashi, Japan
- Name in the local language
- 株式会社東和銀行
- Former name
- 大生相互銀行
Business lines
The bank lends mainly to small and medium-sized companies, according to its March 2026 results presentation, and also offers retail deposits, housing and consumer loans, investment trusts, insurance agency, trust agency and foreign exchange services.
Online
- Websites & references
- towabank.co.jp ↗
towabank-tonton.jp ↗ card loan product site
Wikipedia ↗ - Official social accounts
- None found
Sources · 12 pages consulted
- towabank.co.jp/whatstowa/yakuin.html
- towabank.co.jp/whatstowa/gaiyou.html
- towabank.co.jp/whatstowa/27pdf/tanshin0806.pdf
- towabank.co.jp/whatstowa/whatstowa-2.html
- towabank.co.jp/gaitame/gaikokukawase.html
- towabank.co.jp/whatstowa/president.html
- towabank.co.jp/whatstowa/20260512gaiyou.pdf
- towabank.co.jp/whatstowa/202603presen.pdf
- nikkei.com/article/DGXZQOCC0762A0X00C26A7000000/
- nikkei.com/article/DGXZQOCC2933Y0Z20C26A4000000/
- jiji.com/jc/article?k=2026070701023&g=eco
- ja.wikipedia.org/wiki/%E6%9D%B1%E5%92%8C%E9%8A%80%E8%A1%8C
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Isao Kitazume (北爪 功) 代表取締役頭取執行役員 (Representative Director, President and Executive Officer)
- Executive
- Susumu Okabe (岡部 晋) 代表取締役専務執行役員 (Representative Director, Senior Managing Executive Officer)
- Executive
- Shinichiro Suzuki (鈴木 信一郎) 取締役専務執行役員 (Director, Senior Managing Executive Officer)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- Japan
- Financial Services Agency (Kanto Local Finance Bureau) Prudential supervisorAML supervisorConductResolution
- Japan
- Bank of Japan Central bank
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Leadership
The bank cut the pay of its senior executives for three months from September 2026 over the credit loss on 全東信.
towabank.co.jp ↗ -
Incident
After payment processor 全東信 went bankrupt, the bank reported JPY 8 billion of loans at risk, of which JPY 5.886 billion was unsecured.
nikkei.com ↗ -
Leadership
Isao Kitazume became President on 25 June 2026, succeeding Hiroshi Ehara, who became advisory chairman.
nikkei.com ↗ -
Other
The bank reported a consolidated net loss of about JPY 24.5 billion for 2025/26 after losses on sales of bonds.
towabank.co.jp ↗ -
Other
The bank repaid the remaining JPY 15 billion of public capital injected in 2009 under the financial function strengthening law.
ja.wikipedia.org ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- TOWAJPJTXXX
- How the BIC breaks down
- TOWABank
- JPCountry · Japan
- JTLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 3538009WQM5M1AUS0I04
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Japan · East Asia & Pacific
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 12-6 HONMACHI 2- CHOME MAEBASHI MAEBASHI-SHI 371-8560 JAPAN
- Operational address
- 12-6 HONMACHI, 2- CHOME MAEBASHI GUNMA GUNMA GUNMA 371-8560 JAPAN
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>TOWAJPJTXXX</BICFI>
<LEI>3538009WQM5M1AUS0I04</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>TOWAJPJTXXX</BICFI>
<LEI>3538009WQM5M1AUS0I04</LEI>
<Nm>THE TOWA BANK LIMITED</Nm>
<PstlAdr>
<Ctry>JP</Ctry>
<AdrLine>12-6 HONMACHI 2- CHOME MAEBASHI MAEBASHI-SHI 371-8560</AdrLine>
</PstlAdr>
</FinInstnId>Swift’s two address fields do not agree on a town, so the full record gives the address as address lines only.
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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