# 銀行法 / Banking Act — 第五十二条の十八 (Article 52-18)

- 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: 第五十二条の十八 (Article 52-18) — address `art-52-18`
- Text in force since: 2026-08-12
- URL (the page that opens at this provision): https://japanlaw.org/ja/banking-act/art-52-18
- Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-52-18
- 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.

---

### 第五十二条の十八
<sup>art-52-18 · https://japanlaw.org/ja/banking-act/art-52-18 · https://japanlaw.org/l/356AC0000000059/art-52-18</sup>

    **第一項**  内閣総理大臣は、前条第一項又は第三項ただし書の認可の申請があつたときは、次に掲げる基準に適合するかどうかを審査しなければならない。
    <sup>art-52-18/par-1 · https://japanlaw.org/ja/banking-act/art-52-18/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-1</sup>
    When an application is filed for the authorization referred to in paragraph (1) or the proviso to paragraph (3) of the preceding Article, the Prime Minister must examine whether the following criteria are met:
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **一**  当該認可の申請をした会社又は当該認可を受けて設立される会社（以下この条において「申請者等」という。）及びその子会社（子会社となる会社を含む。次号において同じ。）の収支の見込みが良好であること。
      <sup>art-52-18/par-1/item-1 · https://japanlaw.org/ja/banking-act/art-52-18/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-1/item-1</sup>
      the company filing the application for the authorization or the company that is to be incorporated by obtaining the authorization (hereinafter referred to as the "applicant, etc." in this Article) and its subsidiary companies (including a company that is to become its subsidiary company; the same applies in the following item) have good prospects in terms of income and expenditures;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **二**  申請者等及びその子会社が保有する資産等に照らしこれらの者の自己資本の充実の状況が適当であること。
      <sup>art-52-18/par-1/item-2 · https://japanlaw.org/ja/banking-act/art-52-18/par-1/item-2 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-1/item-2</sup>
      the adequacy of equity capital of the applicant, etc. and its subsidiary companies are appropriate in light of the assets that they own; and
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **三**  申請者等が、その人的構成等に照らして、その子会社であり、又はその子会社となる銀行の経営管理を的確かつ公正に遂行することができる知識及び経験を有し、かつ、十分な社会的信用を有する者であること。
      <sup>art-52-18/par-1/item-3 · https://japanlaw.org/ja/banking-act/art-52-18/par-1/item-3 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-1/item-3</sup>
      in light of its personnel structure, the applicant, etc. has the knowledge and experience to carry out the business management of the subsidiary company or the bank that is to become its subsidiary company in an appropriate and fair manner, and has sufficient social credibility.
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

    **第二項**  銀行持株会社（外国の法令に準拠して設立されたものを除く。）は、株式会社であつて次に掲げる機関を置くものでなければならない。
    <sup>art-52-18/par-2 · https://japanlaw.org/ja/banking-act/art-52-18/par-2 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-2</sup>
    A bank holding company (excluding one established under foreign laws and regulations) must be a stock company that has the following organs:
    <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **一**  取締役会
      <sup>art-52-18/par-2/item-1 · https://japanlaw.org/ja/banking-act/art-52-18/par-2/item-1 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-2/item-1</sup>
      a board of directors;
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **二**  監査役会、監査等委員会又は指名委員会等
      <sup>art-52-18/par-2/item-2 · https://japanlaw.org/ja/banking-act/art-52-18/par-2/item-2 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-2/item-2</sup>
      a board of company auditors, an audit and supervisory committee, or a nominating committee, etc.; and
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

      **三**  会計監査人
      <sup>art-52-18/par-2/item-3 · https://japanlaw.org/ja/banking-act/art-52-18/par-2/item-3 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-2/item-3</sup>
      a financial auditor.
      <sup>Ministry of Justice translation — Japanese Law Translation Database System</sup>

---

## Cites
- art-52-18/par-1: 前条第一項 → 銀行法 第五十二条の十七第一項 (Article 52-17, paragraph (1)), art-52-17/par-1 — https://japanlaw.org/ja/banking-act/art-52-17/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-17/par-1
- art-52-18/par-1: 第三項 → 銀行法 第五十二条の十七第三項 (Article 52-17, paragraph (3)), art-52-17/par-3 — https://japanlaw.org/ja/banking-act/art-52-17/par-3 · https://japanlaw.org/l/356AC0000000059/art-52-17/par-3
- art-52-18/par-1/item-1: この条 → 銀行法 第五十二条の十八 (Article 52-18), art-52-18 — https://japanlaw.org/ja/banking-act/art-52-18 · https://japanlaw.org/l/356AC0000000059/art-52-18
- art-52-18/par-1/item-1: 次号 → 銀行法 第五十二条の十八第一項第二号 (Article 52-18, paragraph (1), item (ii)), art-52-18/par-1/item-2 — https://japanlaw.org/ja/banking-act/art-52-18/par-1/item-2 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-1/item-2

## Cited by

3 provisions cite this one. No official source publishes this direction.

- 銀行法 第四条の二第一項第二号（銀行の機関） — https://japanlaw.org/ja/banking-act/art-4-2/par-1/item-2 · https://japanlaw.org/l/356AC0000000059/art-4-2/par-1/item-2
- 銀行法 第五十二条の十八第一項第一号 — https://japanlaw.org/ja/banking-act/art-52-18/par-1/item-1 · https://japanlaw.org/l/356AC0000000059/art-52-18/par-1/item-1
- 銀行法 第五十二条の三十五第四項（銀行持株会社に係る合併、会社分割又は事業の譲渡若しくは譲受けの認可） — https://japanlaw.org/ja/banking-act/art-52-35/par-4 · https://japanlaw.org/l/356AC0000000059/art-52-35/par-4

---

## 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