地域銀⾏
令和5年3⽉現在
指標１．新
規融資に占め
る経営者保証
に依存しない
融資の割合
新旧両経営者
から保証徴求
旧経営者のみか
ら保証徴求
新経営者のみか
ら保証徴求
経営者からの保
証徴求なし
⑥/（⑥＋⑦＋
⑧＋⑨）
⑦/（⑥＋⑦＋
⑧＋⑨）
⑧/（⑥＋⑦＋
⑧＋⑨）
⑨/（⑥＋⑦＋
⑧＋⑨）
北海道銀⾏
59.8%
0.0%
71.6%
14.9%
13.4% https://www.hokkaidobank.co.jp/keieishahosyo/pdf/guideline.pdf
北洋銀⾏
47.1%
2.8%
10.3%
71.8%
15.1% https://www.hokuyobank.co.jp/announcement/pdf/20221115_073775.pdf
⻘森銀⾏
35.7%
1.4%
59.4%
31.6%
7.5%
https://www.a-bank.jp/contents/kojin/support/keieisyahosyou_gideline/pdf/202209_kpi.pdf
みちのく銀⾏
35.2%
0.0%
38.1%
54.8%
7.1% https://www.michinokubank.co.jp/about/company/pdf/kpi.pdf
岩⼿銀⾏
57.3%
0.0%
33.6%
54.1%
12.3% https://www.iwatebank.co.jp/assets/pdf/20230120_kpi.pdf
東北銀⾏
33.9%
0.0%
47.2%
46.1%
6.7% https://www.tohoku-bank.co.jp/guarantee/pdf/kinyutyukai_202209.pdf
北⽇本銀⾏
52.5%
0.0%
0.0%
76.5%
23.5% https://www.kitagin.co.jp/company/information/management_guideline/
七⼗七銀⾏
43.3%
3.1%
0.0%
75.0%
21.9% https://www.77bank.co.jp/pdf/soudan/guideline_jokyo_202209.pdf
仙台銀⾏
61.4%
0.0%
45.9%
40.5%
13.5% https://www.jimoto-hd.co.jp/ir/library/disclosure/pdf/2022/09/202209h_p014_019.pdf
秋⽥銀⾏
48.0%
0.0%
58.7%
37.4%
3.8% https://www.akita-bank.co.jp/keiei_hosyo_guideline/
北都銀⾏
33.8%
10.1%
39.9%
44.2%
5.8% https://www.hokutobank.co.jp/news/pdf/2022_guideline.pdf
荘内銀⾏
28.6%
8.5%
50.7%
36.6%
4.2% https://www.shonai.co.jp/information/fiduciary_duty/mg_guideline.pdf
山形銀⾏
39.8%
0.0%
0.0%
93.0%
7.0% https://www.yamagatabank.co.jp/company/csr/smooth/img/newsrelease20221223.pdf
きらやか銀⾏
33.6%
12.0%
36.0%
48.0%
4.0% https://www.jimoto-hd.co.jp/ir/library/disclosure/pdf/2022/09/202209h_p014_019.pdf
東邦銀⾏
37.2%
0.9%
38.4%
45.9%
14.8% https://www.tohobank.co.jp/pdf/kinyu_28.pdf
福島銀⾏
26.9%
0.0%
21.3%
66.0%
12.8% https://www.fukushimabank.co.jp/keieisyahosyou/pdf/KPI.pdf
大東銀⾏
28.3%
3.6%
57.8%
31.3%
7.2% https://www.daitobank.co.jp/investor/csr/pdf/R04-shihyo-1122.pdf
常陽銀⾏
46.8%
5.8%
61.0%
23.3%
9.9% https://www.joyobank.co.jp/relationship/pdf/kpi.pdf
筑波銀⾏
37.4%
0.0%
77.0%
20.7%
2.3% https://www.tsukubabank.co.jp/efforts/
⾜利銀⾏
38.8%
1.5%
68.4%
25.3%
4.8% https://www.ashikagabank.co.jp/policy/pdf/mg_guideline_202209.pdf
栃⽊銀⾏
38.8%
0.0%
20.8%
54.2%
25.0% https://www.tochigibank.co.jp/common/pdf/data07.pdf
群⾺銀⾏
36.9%
0.3%
49.9%
46.0%
3.9% https://www.gunmabank.co.jp/about/csr/chiiki/jyokyo/pdf/jyokyo43.pdf
東和銀⾏
45.5%
0.0%
0.0%
75.8%
24.2% https://www.towabank.co.jp/whatsnew/kpi.pdf
埼⽟りそな銀⾏
45.9%
1.3%
50.6%
41.3%
6.9% https://www.saitamaresona.co.jp/hojin/keieisya_hosyo/index.html
武蔵野銀⾏
45.4%
0.0%
35.4%
57.0%
7.6% https://www.musashinobank.co.jp/company/keiei_guide.html
千葉銀⾏
32.3%
0.4%
43.5%
50.9%
5.2% https://www.chibabank.co.jp/company/ir/library/disclosure/pdf/mid_disc/2022_cbf.pdf
千葉興業銀⾏
26.9%
0.0%
22.9%
64.6%
12.5% https://www.chibakogyo-bank.co.jp/ir/disc/pdf/2023intermit_01.pdf
京葉銀⾏
41.5%
3.3%
14.2%
80.8%
1.7% https://www.keiyobank.co.jp/policy/financial_facilitation/pdf/enkatsu9.pdf
きらぼし銀⾏
39.8%
3.0%
0.0%
84.2%
12.7% https://www.kiraboshibank.co.jp/file.jsp?id=6545
東⽇本銀⾏
47.1%
1.3%
18.8%
67.5%
12.5% https://www.higashi-nipponbank.co.jp/about/contribution6.html
東京スター銀⾏
92.9%
0.0%
100.0%
0.0%
0.0% https://www.tokyostarbank.co.jp/hojin/topics/pdf/230116.pdf
横浜銀⾏
41.5%
2.5%
67.1%
24.6%
5.8% https://www.boy.co.jp/boy/customer/keieisya-hosyou.html
神奈川銀⾏
15.6%
7.1%
0.0%
92.9%
0.0% https://www.kanagawabank.co.jp/pdf/keihosho_guideline.pdf
第四北越銀⾏
33.1%
4.3%
43.2%
45.4%
7.0% https://www.dhbk.co.jp/company/csr/pdf/keieishahoshou_202209.pdf
大光銀⾏
36.6%
7.2%
8.1%
75.7%
9.0% https://www.taikobank.jp/guidelines/
山梨中央銀⾏
35.4%
0.0%
26.4%
67.8%
5.7% https://www.yamanashibank.co.jp/assets/files/K20230130%202022.9.pdf
⼋⼗⼆銀⾏
40.2%
0.4%
43.3%
56.3%
0.0% https://www.82bank.co.jp/ir/library/disclosure/pdf/ki_pdf_2022_9genkyo.pdf
⻑野銀⾏
37.5%
0.0%
18.7%
65.6%
15.6% https://www.naganobank.co.jp/uploaded/attachment/8168.pdf
北陸銀⾏
36.8%
3.3%
9.0%
72.4%
15.3%
https://www.hokugin.co.jp/guideline/financial_transaction/data/keieisyahosyo_data01.pdf
富山銀⾏
26.3%
0.0%
50.9%
36.8%
12.3% https://www.toyamabank.co.jp/pages/kabunushi/kpi.pdf
富山第⼀銀⾏
39.5%
0.0%
4.8%
52.4%
42.9% https://www.first-bank.co.jp/info/detail?id=2282
北國銀⾏
86.9%
6.7%
0.0%
18.9%
74.4% https://www.hokkokubank.co.jp/company/fsm/pdf/20221114.pdf
福井銀⾏
42.2%
12.3%
30.9%
49.4%
7.4% https://www.fukuibank.co.jp/press/2023/tyukaikpi_202301.pdf
福邦銀⾏
30.5%
0.0%
14.7%
52.9%
32.4% https://www.fukuho.co.jp/web-box/upload/news_release/202209_KPI.pdf.pdf
大垣共⽴銀⾏
32.6%
0.9%
43.8%
50.3%
5.0% https://www.okb.co.jp/assets/pdf/investor/disclosure/2022/2022-half-siryo.pdf
⼗六銀⾏
35.6%
0.0%
65.2%
3.5%
31.3% https://www.juroku.co.jp/aboutus/kouken/files/kpi_2022.pdf
静岡銀⾏
38.0%
17.3%
40.7%
37.9%
4.1% www.shizuokabank.co.jp/pdf.php/5565/221216_kpi.pdf
スルガ銀⾏
35.6%
0.0%
37.5%
62.5%
0.0% https://www.surugabank.co.jp/surugabank/investors/relationship/pdf/status_2212.pdf
清⽔銀⾏
40.2%
0.0%
56.7%
32.1%
11.2% https://www.shimizubank.co.jp/aboutus/approach/pdf/kpi_2022_first.pdf
静岡中央銀⾏
21.9%
0.0%
21.7%
76.7%
1.7% https://www.shizuokachuo-bank.co.jp/pdf/chiiki-ks_plan_202301.pdf
愛知銀⾏
47.3%
1.2%
23.8%
61.0%
14.0% https://www.aichibank.co.jp/company/efforts/guide_line/
名古屋銀⾏
39.7%
0.0%
21.7%
67.1%
11.2% https://www.meigin.com/pdf/management/kpi.pdf
中京銀⾏
39.2%
0.0%
73.4%
24.9%
1.7% https://www.chukyo-bank.co.jp/cmn/download/management_guarantee_guideline.pdf
三⼗三銀⾏
28.7%
0.0%
2.9%
93.3%
3.8% https://www.33bank.co.jp/keieisha_hosyo.html
百五銀⾏
37.6%
0.0%
47.2%
48.5%
4.4% https://www.hyakugo.co.jp/ir/disclosure/pdf/2022-36.pdf
滋賀銀⾏
35.7%
7.6%
58.1%
16.1%
18.2% https://www.shigagin.com/pdf/about_keieisha-hosho_2022_1h.pdf
京都銀⾏
38.0%
0.8%
43.7%
50.6%
4.9% https://www.kyotobank.co.jp/investor/disc/pdf_2022dis_09/all.pdf
関⻄みらい銀⾏
35.9%
0.4%
57.4%
37.0%
5.3% https://www.kansaimiraibank.co.jp/hojin/keieisya_hosyo/
池⽥泉州銀⾏
45.1%
3.5%
6.9%
89.7%
0.0% https://www.senshuikeda-hd.co.jp/ir/e-koukoku/disclosure/202209/pdf/04.pdf
但⾺銀⾏
38.6%
0.0%
20.5%
65.9%
13.6% https://www.tajimabank.co.jp/about/disclosure/pdf/disclose/disclose22_n/05-07.pdf
みなと銀⾏
38.1%
1.8%
30.6%
59.9%
7.6% https://www.minatobk.co.jp/important/pdf/sme_financing_guideline.pdf#zoom=100
南都銀⾏
69.1%
8.9%
34.4%
52.2%
4.4% https://www.nantobank.co.jp/company/enkatsuka/pdf/guideline.pdf
紀陽銀⾏
25.3%
5.3%
52.5%
35.0%
7.2% https://www.kiyobank.co.jp/recommend/images/guideline/202211.pdf
⿃取銀⾏
35.6%
3.6%
54.5%
27.7%
14.3% https://www.tottoribank.co.jp/torigin/kpi/pdf/2023-01-16.pdf
山陰合同銀⾏
61.7%
0.8%
47.0%
36.9%
15.3% https://www.gogin.co.jp/common/g_keieishahosho.pdf
島根銀⾏
29.6%
0.0%
0.0%
91.7%
8.3%
https://www.shimagin.co.jp/wp-pe3atrj7db2s/wp-content/themes/shimagin/assets/pdf/toshi/disclosure/discloure/disclosure2022_h.pdf
中国銀⾏
42.7%
1.9%
57.4%
31.4%
9.3% https://www.chugin.co.jp/up_load_files/enkatsu/keieisya_hosyou.pdf
トマト銀⾏
31.0%
0.7%
6.4%
80.0%
12.9% https://www.tomatobank.co.jp/about/pdf/application_status.pdf
広島銀⾏
61.1%
2.3%
9.7%
26.2%
61.7% https://www.hirogin.co.jp/company/facilitation/pdf/guideline_katsuyo.pdf
もみじ銀⾏
34.1%
1.0%
71.0%
25.5%
2.5% https://www.momijibank.co.jp/corporate/news/pdf/kpi.pdf
山口銀⾏
48.1%
4.3%
66.7%
24.7%
4.3% https://www.yamaguchibank.co.jp/corporate/news/pdf/kpi.pdf
⻄京銀⾏
75.6%
0.0%
0.0%
12.5%
87.5% https://www.saikyobank.co.jp/aboutus/inc/pdf/disclosure/disc2022/2209/2209-02.pdf
阿波銀⾏
50.3%
2.9%
54.7%
29.9%
12.6% https://www.awabank.co.jp/about/keieisyahosyo/
徳島大正銀⾏
31.1%
6.8%
63.0%
25.3%
4.9% https://www.tokugin.co.jp/newsrelease/keiei/pdf/keiei_221202.pdf
百⼗四銀⾏
36.2%
6.7%
63.9%
21.8%
7.6% https://www.114bank.co.jp/ir/disclosure/pdf/2022_chukan/03.pdf
⾹川銀⾏
32.6%
2.6%
73.7%
21.1%
2.6% https://www.kagawabank.co.jp/news/kinkyu/keieihosyo_katsuyojokyo.pdf
伊予銀⾏
35.8%
0.6%
27.7%
59.5%
12.1% https://www.iyobank.co.jp/keieisyahosyou_guide.html
愛媛銀⾏
25.0%
6.1%
19.2%
49.5%
25.3%
https://www.himegin.co.jp/stockholder/library/file/disclosure/2023/intermediate_main.pdf
四国銀⾏
33.0%
5.9%
4.9%
69.6%
19.6% https://www.shikokubank.co.jp/profile/disclosure/assets/2022h05.pdf
⾼知銀⾏
29.0%
5.0%
35.5%
55.4%
4.1% https://www.kochi-bank.co.jp/pdf/results-guideline_20221202.pdf
福岡銀⾏
38.4%
0.0%
64.2%
26.7%
9.2% https://www.fukuoka-fg.com/investorimage/ir_pdf/202301_zaimu/all.pdf
筑邦銀⾏
24.9%
0.0%
0.0%
88.6%
11.4% https://www.chikugin.co.jp/about/keieisha_hoshou/
⻄⽇本シティ銀⾏
36.4%
1.4%
42.2%
45.6%
10.8%
https://www.nnfh.co.jp/assets/pdf/shareholder/ir/disclosure_chukandisclosure/disclo_202301c/all.pdf
北九州銀⾏
43.9%
0.0%
45.5%
48.5%
6.1% https://www.kitakyushubank.co.jp/corporate/news/pdf/kpi.pdf
福岡中央銀⾏
27.0%
0.0%
28.2%
71.8%
0.0% https://www.fukuokachuo-bank.co.jp/news/pdf/20230210.pdf
佐賀銀⾏
43.6%
1.2%
38.1%
44.1%
16.7% https://www.sagabank.co.jp/disclosure202209/pdf/12.pdf
佐賀共栄銀⾏
46.7%
0.0%
0.0%
80.8%
19.2%
https://www.kyogin.co.jp/uploads/files/about/ir/disclosure/2022_9/%E2%91%A2chiikimittyakugatakinnyuu.pdf
⼗⼋親和銀⾏
33.4%
0.0%
53.8%
40.8%
5.4% https://www.fukuoka-fg.com/investorimage/ir_pdf/202301_zaimu/all.pdf
⻑崎銀⾏
49.3%
0.0%
22.2%
66.7%
11.1%
https://www.nnfh.co.jp/assets/pdf/shareholder/ir/disclosure_chukandisclosure/disclo_202301c/all.pdf
肥後銀⾏
32.7%
0.0%
0.0%
95.4%
4.6% https://ssl4.eir-parts.net/doc/7180/ir_material6/200332/00.pdf
熊本銀⾏
28.9%
0.0%
63.8%
28.1%
8.1% https://www.fukuoka-fg.com/investorimage/ir_pdf/202301_zaimu/all.pdf
大分銀⾏
40.6%
0.0%
0.0%
96.5%
3.5% https://www.oitabank.co.jp/company/rinen/chiiki/pdf/sihyo.pdf
豊和銀⾏
24.3%
0.0%
5.0%
75.0%
20.0% https://www.howabank.co.jp/docs/aboutus/ir/kpi2022-09.pdf
宮崎銀⾏
40.8%
2.7%
0.0%
86.5%
10.8%
https://www.miyagin.co.jp/cms-hjeg2ccyg8jy/wp-content/uploads/2022/11/202204-09keieisyahosyou.pdf
宮崎太陽銀⾏
44.3%
0.0%
1.8%
80.7%
17.5%
https://www.taiyobank.co.jp/download/ckeditor?fileNm=20221110112133/20221110112555.pdf
⿅児島銀⾏
36.1%
0.0%
52.1%
30.8%
17.2% https://ssl4.eir-parts.net/doc/7180/ir_material8/200010/00.pdf
南⽇本銀⾏
35.4%
0.0%
47.6%
28.6%
23.8% https://nangin.jp/information/contents/RELEASE_20230215_keieihosyou_guideline.pdf
琉球銀⾏
45.6%
7.7%
0.0%
90.8%
1.5% https://www.ryugin.co.jp/common/uploads/2022t.pdf
沖縄銀⾏
34.2%
6.7%
5.7%
81.9%
5.7% https://www.okinawa-bank.co.jp/_files/00048385/keieisyahosyo_kpi.pdf
沖縄海邦銀⾏
51.6%
9.1%
2.3%
88.6%
0.0% https://www.kaiho-bank.co.jp/files/topics/2186.pdf
〜⾦融仲介の取組状況を客観的に評価できる指標群（KPI）〜
経営者保証に依存しない融資に関する取組状況
令和4年度上期（4⽉〜9⽉）
（注１）上記リストは各銀⾏において公表されている数値を記載したもの。
　　　　　　なお、指標2において事業承継実績がない場合は「－」、⼀部の類型に該当する実績がない場合は「0.0％」と表記。
（注２）銀⾏が公表を⾏ったウェブサイトアドレス（URL）は予告なく変更、削除されることがある。
銀⾏名
指標２．事業承継時における保証徴求割合（４類型）
銀⾏が公表を⾏ったウェブページアドレス（URL）
（①＋②＋
③＋④）/⑤
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