# 銀行法 / Banking Act — 第十三条 (Article 13) - Law: 銀行法 (Banking Act), 昭和五十六年法律第五十九号 - English title "Banking Act": Ministry of Justice translation - Kind: Act — the distinction between 法律 (Act), 政令 (Cabinet Order), 省令 (Ministerial Order) and 条例 (local ordinance) decides who may issue it and what it may say. - Provision: 第十三条 (Article 13)（同一人に対する信用の供与等） — address `art-13` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/ja/banking-act/art-13 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-13 - Every provision below carries its address and both URLs on the line under it. - Japanese text: e-Gov 法令検索, Digital Agency (デジタル庁). English: as marked on each line below. Only the Japanese as published by the government has legal effect; the text below is a copy of it. Every English rendering below is a translation and says which kind: the Ministry of Justice's translation, or this site's machine translation, whose model and date the Sources list names. They are never merged and never substituted for one another. --- ### 第十三条（同一人に対する信用の供与等） — (Granting Credit or Making Financial Contribution to a Single Person) caption: Ministry of Justice translation — Japanese Law Translation Database System art-13 · https://japanlaw.org/ja/banking-act/art-13 · https://japanlaw.org/l/356AC0000000059/art-13 **第一項** 銀行の同一人（当該同一人と政令で定める特殊の関係のある者を含む。以下この条において同じ。）に対する信用の供与等（信用の供与又は出資（信用の供与又は出資に相当するものを含む。）として政令で定めるものをいう。以下この条において同じ。）の額は、政令で定める区分ごとに、当該銀行の自己資本の額に政令で定める率を乗じて得た額（以下この条において「信用供与等限度額」という。）を超えてはならない。ただし、信用の供与等を受けている者が合併をし、共同新設分割（二以上の株式会社又は合同会社が共同してする新設分割をいう。第十六条の四第四項第四号及び第五十二条の二十二第一項において同じ。）若しくは吸収分割をし、又は事業を譲り受けたことにより銀行の同一人に対する信用の供与等の額が信用供与等限度額を超えることとなる場合その他政令で定めるやむを得ない理由がある場合において、内閣総理大臣の承認を受けたときは、この限りでない。 art-13/par-1 · https://japanlaw.org/ja/banking-act/art-13/par-1 · https://japanlaw.org/l/356AC0000000059/art-13/par-1 The amount of credit to be granted and financial contribution to be made (meaning granting of credit or making of financial contributions (including anything equivalent to grant of credit or the making of financial contribution) as specified by Cabinet Order; hereinafter the same applies in this Article) by a bank to one person (including any other person that has a unique relationship specified by Cabinet Order with that person; hereinafter the same applies in this Article) must not exceed the amount arrived at by multiplying the amount of the bank's equity capital by the percentage specified by Cabinet Order for each of the category specified by Cabinet Order (hereinafter the amount is referred to as the "maximum amount of credit and contribution" in this Article); provided, however, that this does not apply when the total amount of credit granted and financial contribution made by a bank to one person exceeds the maximum amount of credit and contribution as a result of a merger, joint incorporation-type split (meaning an incorporation-type split in which two or more stock companies or limited liability companies jointly implement; the same applies in Article 16-4, paragraph (4), item (iv) and Article 52-22, paragraph (1)), absorption-type split, or acquisition of business by the person to which the credit is granted and financial contribution is made, or due to compelling reasons as specified by Cabinet Order, with the approval by the Prime Minister. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 銀行が子会社（内閣府令で定める会社を除く。）その他の当該銀行と内閣府令で定める特殊の関係のある者（以下この条において「子会社等」という。）を有する場合には、当該銀行及び当該子会社等又は当該子会社等の同一人に対する信用の供与等の額は、政令で定める区分ごとに、合算して、当該銀行及び当該子会社等の自己資本の純合計額に政令で定める率を乗じて得た額（以下この条において「合算信用供与等限度額」という。）を超えてはならない。この場合においては、前項ただし書の規定を準用する。 art-13/par-2 · https://japanlaw.org/ja/banking-act/art-13/par-2 · https://japanlaw.org/l/356AC0000000059/art-13/par-2 If a bank has a subsidiary company (other than one specified by Cabinet Office Order) or other persons that has a unique relationship specified by Cabinet Office Order with the bank (hereinafter referred to as a "subsidiary company, etc." in this Article), the total amount of credit granted and financial contribution made to one person by the bank and its subsidiary company, etc. together or by its subsidiary company, etc. must not exceed the amount arrived at by multiplying the total net amount of the equity capital of the bank and its subsidiary company, etc. by the percentage specified by Cabinet Order for each of the category specified by Cabinet Order (hereinafter referred to as the "consolidated maximum amount of credit and contribution" in this Article). In such a case, the provisions of the proviso to the preceding paragraph apply mutatis mutandis. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 前二項の規定は、次に掲げる信用の供与等については、適用しない。 art-13/par-3 · https://japanlaw.org/ja/banking-act/art-13/par-3 · https://japanlaw.org/l/356AC0000000059/art-13/par-3 The provisions of the preceding two paragraphs do not apply to the granting of credit and making of financial contribution in the following cases: Ministry of Justice translation — Japanese Law Translation Database System **一** 国及び地方公共団体に対する信用の供与、政府が元本の返済及び利息の支払について保証している信用の供与その他これらに準ずるものとして政令で定める信用の供与等 art-13/par-3/item-1 · https://japanlaw.org/ja/banking-act/art-13/par-3/item-1 · https://japanlaw.org/l/356AC0000000059/art-13/par-3/item-1 the granting of credit to the State or a local public entity, the granting of credit for which redemption of the principal and payment of interest are guaranteed by the government, and granting of credit and making of financial contribution specified by Cabinet Order as being equivalent to these; and Ministry of Justice translation — Japanese Law Translation Database System **二** 信用の供与等を行う銀行又はその子会社等と実質的に同一と認められる者に対する信用の供与等その他の政令で定める信用の供与等 art-13/par-3/item-2 · https://japanlaw.org/ja/banking-act/art-13/par-3/item-2 · https://japanlaw.org/l/356AC0000000059/art-13/par-3/item-2 the granting of credit and making of financial contribution to a person that is found to be substantially the same as a bank that grants credit and makes financial contribution or its subsidiary company, etc., and any other granting of credit and making of financial contribution specified by Cabinet Order. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 第二項の場合において、銀行及びその子会社等又はその子会社等の同一人に対する信用の供与等の合計額が合算信用供与等限度額を超えることとなつたときは、その超える部分の信用の供与等の額は、当該銀行の信用の供与等の額とみなす。 art-13/par-4 · https://japanlaw.org/ja/banking-act/art-13/par-4 · https://japanlaw.org/l/356AC0000000059/art-13/par-4 In the case referred to in paragraph (2), if the total amount of credit that has been granted and financial contribution that has been made to one person by the bank and its subsidiary company, etc. together or by its subsidiary company, etc. exceeds the consolidated maximum amount of credit and contribution, the excess amount for which credit has been granted and financial contribution has been made is deemed to be an amount of credit that has been granted and financial contribution that has been made by that bank. Ministry of Justice translation — Japanese Law Translation Database System **第五項** いかなる名義をもつてするかを問わず、又はいかなる方法をもつてするかを問わず、銀行又はその子会社等が第一項本文又は第二項前段の規定の適用を免れる目的で信用の供与等を行つた場合であつて、名義人以外の者が実質的に当該信用の供与等を受けるときは、当該信用の供与等は、銀行又はその子会社等の実質的に当該信用の供与等を受ける者に対する信用の供与等として、これらの規定を適用する。 art-13/par-5 · https://japanlaw.org/ja/banking-act/art-13/par-5 · https://japanlaw.org/l/356AC0000000059/art-13/par-5 Irrespective of the name used or the means used, if a bank or its subsidiary company, etc. has granted credit and has made financial contribution for the purpose of evading the application of the provisions of the main clause of paragraph (1) or the first sentence of paragraph (2), and a person other than the named person is the one to which the credit is substantially granted or the financial contribution is substantially made, the granting of credit or the making of financial contribution is deemed to be the credit substantially granted or financial contribution substantially made to the person to which the credit is granted or financial contribution is made by the bank or its subsidiary company, etc., and the aforementioned provisions apply. Ministry of Justice translation — Japanese Law Translation Database System **第六項** 前各項に定めるもののほか、信用の供与等の額、第一項に規定する自己資本の額、信用供与等限度額、第二項に規定する自己資本の純合計額及び合算信用供与等限度額の計算方法その他第一項及び第二項の規定の適用に関し必要な事項は、内閣府令で定める。 art-13/par-6 · https://japanlaw.org/ja/banking-act/art-13/par-6 · https://japanlaw.org/l/356AC0000000059/art-13/par-6 Beyond what is provided for in the preceding paragraphs, Cabinet Order prescribes the amount of credit to be granted and financial contribution to be made, the amount of equity capital prescribed in paragraph (1), the maximum amount of credit and contribution, the total net amount of the equity capital prescribed in paragraph (2), the consolidated maximum amount of credit and contribution, and the particulars necessary for applying the provisions of paragraphs (1) and (2). Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-13/par-1: この条 → 銀行法 第十三条 (Article 13), art-13 — https://japanlaw.org/ja/banking-act/art-13 · https://japanlaw.org/l/356AC0000000059/art-13 - art-13/par-1: 第十六条の四第四項第四号 → 銀行法 第十六条の四第四項第四号 (Article 16-4, paragraph (4), item (iv)), art-16-4/par-4/item-4 — https://japanlaw.org/ja/banking-act/art-16-4/par-4/item-4 · https://japanlaw.org/l/356AC0000000059/art-16-4/par-4/item-4 - art-13/par-1: 第五十二条の二十二第一項 → 銀行法 第五十二条の二十二第一項 (Article 52-22, paragraph (1)), art-52-22/par-1 — https://japanlaw.org/ja/banking-act/art-52-22/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-1 - art-13/par-2: この条 → 銀行法 第十三条 (Article 13), art-13 — https://japanlaw.org/ja/banking-act/art-13 · https://japanlaw.org/l/356AC0000000059/art-13 - art-13/par-2: 前項 → 銀行法 第十三条第一項 (Article 13, paragraph (1)), art-13/par-1 — https://japanlaw.org/ja/banking-act/art-13/par-1 · https://japanlaw.org/l/356AC0000000059/art-13/par-1 - art-13/par-3: 前二項 → 銀行法 第十三条第一項 (Article 13, paragraph (1)), art-13/par-1 — https://japanlaw.org/ja/banking-act/art-13/par-1 · https://japanlaw.org/l/356AC0000000059/art-13/par-1 - art-13/par-3: 前二項 → 銀行法 第十三条第二項 (Article 13, paragraph (2)), art-13/par-2 — https://japanlaw.org/ja/banking-act/art-13/par-2 · https://japanlaw.org/l/356AC0000000059/art-13/par-2 - art-13/par-4: 第二項 → 銀行法 第十三条第二項 (Article 13, paragraph (2)), art-13/par-2 — https://japanlaw.org/ja/banking-act/art-13/par-2 · https://japanlaw.org/l/356AC0000000059/art-13/par-2 - art-13/par-5: 第一項 → 銀行法 第十三条第一項 (Article 13, paragraph (1)), art-13/par-1 — https://japanlaw.org/ja/banking-act/art-13/par-1 · https://japanlaw.org/l/356AC0000000059/art-13/par-1 - art-13/par-5: 第二項 → 銀行法 第十三条第二項 (Article 13, paragraph (2)), art-13/par-2 — https://japanlaw.org/ja/banking-act/art-13/par-2 · https://japanlaw.org/l/356AC0000000059/art-13/par-2 - art-13/par-6: 前各項 → 銀行法 第十三条第一項 (Article 13, paragraph (1)), art-13/par-1 — https://japanlaw.org/ja/banking-act/art-13/par-1 · https://japanlaw.org/l/356AC0000000059/art-13/par-1 - art-13/par-6: 前各項 → 銀行法 第十三条第二項 (Article 13, paragraph (2)), art-13/par-2 — https://japanlaw.org/ja/banking-act/art-13/par-2 · https://japanlaw.org/l/356AC0000000059/art-13/par-2 - art-13/par-6: 前各項 → 銀行法 第十三条第三項 (Article 13, paragraph (3)), art-13/par-3 — https://japanlaw.org/ja/banking-act/art-13/par-3 · https://japanlaw.org/l/356AC0000000059/art-13/par-3 - art-13/par-6: 前各項 → 銀行法 第十三条第四項 (Article 13, paragraph (4)), art-13/par-4 — https://japanlaw.org/ja/banking-act/art-13/par-4 · https://japanlaw.org/l/356AC0000000059/art-13/par-4 - art-13/par-6: 前各項 → 銀行法 第十三条第五項 (Article 13, paragraph (5)), art-13/par-5 — https://japanlaw.org/ja/banking-act/art-13/par-5 · https://japanlaw.org/l/356AC0000000059/art-13/par-5 ## Cited by 13 provisions cite this one. No official source publishes this direction. - 銀行法 第十三条第一項（同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-13/par-1 · https://japanlaw.org/l/356AC0000000059/art-13/par-1 - 銀行法 第十三条第二項（同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-13/par-2 · https://japanlaw.org/l/356AC0000000059/art-13/par-2 - 銀行法 第十三条第三項（同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-13/par-3 · https://japanlaw.org/l/356AC0000000059/art-13/par-3 - 銀行法 第十三条第四項（同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-13/par-4 · https://japanlaw.org/l/356AC0000000059/art-13/par-4 - 銀行法 第十三条第五項（同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-13/par-5 · https://japanlaw.org/l/356AC0000000059/art-13/par-5 - 銀行法 第十三条第六項（同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-13/par-6 · https://japanlaw.org/l/356AC0000000059/art-13/par-6 - 銀行法 第四十七条第二項（外国銀行の免許等） — https://japanlaw.org/ja/banking-act/art-47/par-2 · https://japanlaw.org/l/356AC0000000059/art-47/par-2 - 銀行法 附則第六条第一項（同一人に対する信用の供与に関する経過措置） — https://japanlaw.org/ja/banking-act/suppl-3561-59/art-6/par-1 · https://japanlaw.org/l/356AC0000000059/suppl-3561-59/art-6/par-1 - 銀行法 附則第六条第二項（同一人に対する信用の供与に関する経過措置） — https://japanlaw.org/ja/banking-act/suppl-3561-59/art-6/par-2 · https://japanlaw.org/l/356AC0000000059/suppl-3561-59/art-6/par-2 - 銀行法 附則第百二条第一項（銀行法等の一部改正に伴う経過措置） — https://japanlaw.org/ja/banking-act/suppl-4101-107/art-102/par-1 · https://japanlaw.org/l/356AC0000000059/suppl-4101-107/art-102/par-1 - 銀行法 附則第百二条第二項（銀行法等の一部改正に伴う経過措置） — https://japanlaw.org/ja/banking-act/suppl-4101-107/art-102/par-2 · https://japanlaw.org/l/356AC0000000059/suppl-4101-107/art-102/par-2 - 銀行法 附則第十三条第一項（銀行法等の一部改正に伴う経過措置） — https://japanlaw.org/ja/banking-act/suppl-4251-45/art-13/par-1 · https://japanlaw.org/l/356AC0000000059/suppl-4251-45/art-13/par-1 - 銀行法 附則第十三条第二項（銀行法等の一部改正に伴う経過措置） — https://japanlaw.org/ja/banking-act/suppl-4251-45/art-13/par-2 · https://japanlaw.org/l/356AC0000000059/suppl-4251-45/art-13/par-2 --- ## Sources - e-Gov 法令検索, Digital Agency (デジタル庁) — 銀行法 — the text in force from 2026-08-12 (https://laws.e-gov.go.jp/law/356AC0000000059/20260812_508AC0000000064), retrieved 2026-10-11 - Japanese Law Translation Database System, Ministry of Justice (法務省) — Banking Act — Ministry of Justice translation (https://www.japaneselawtranslation.go.jp/en/laws/view/4498/tb), retrieved 2026-10-11 - This site's parser, version 189 — 銀行法 — structure, counts, cross-references and defined terms, computed 2026-10-11