# 銀行法 / Banking Act — 第五十二条の二十二 (Article 52-22) - 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: 第五十二条の二十二 (Article 52-22)（銀行持株会社に係る同一人に対する信用の供与等） — address `art-52-22` - Text in force since: 2026-08-12 - URL (the page that opens at this provision): https://japanlaw.org/ja/banking-act/art-52-22 - Permanent URL (e-Gov law ID, never renamed): https://japanlaw.org/l/356AC0000000059/art-52-22 - 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. --- ### 第五十二条の二十二（銀行持株会社に係る同一人に対する信用の供与等） — (Granting Credit and Making Contribution to a Single Person that is Related to Bank Holding Companies) caption: Ministry of Justice translation — Japanese Law Translation Database System art-52-22 · https://japanlaw.org/ja/banking-act/art-52-22 · https://japanlaw.org/l/356AC0000000059/art-52-22 **第一項** 銀行持株会社又はその子会社等（当該銀行持株会社の子会社（内閣府令で定める会社を除く。）その他の当該銀行持株会社と内閣府令で定める特殊の関係のある者をいう。以下この条において同じ。）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、合算して、当該銀行持株会社及びその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「銀行持株会社に係る信用供与等限度額」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、共同新設分割若しくは吸収分割をし、又は営業を譲り受けたことにより銀行持株会社又はその子会社等の同一人に対する信用の供与等の額が合算して銀行持株会社に係る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-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 The total amount for which credit is granted and contribution is made (meaning the grant of credit and the making of a financial contribution (including anything equivalent to the grant of credit or making of a contribution) specified by Cabinet Order; hereinafter the same applies in this Article) by a bank holding company or its subsidiary company, etc. (meaning a subsidiary company of the bank holding company (excluding one specified by Cabinet Office Order) and other persons that have a unique relationship specified by Cabinet Office Order with the bank holding company; hereinafter the same applies in this Article) to that one person (including persons that have a unique relationship specified by Cabinet Order with that one person; hereinafter the same applies in this Article) must not exceed the amount arrived at by multiplying the total net amount of the equity capital of the bank holding company and its subsidiary companies by the percentage specified by Cabinet Order for each of the category specified by Cabinet Order (hereinafter the amount thus calculated is referred to as the "maximum amount of credit and contribution by a bank holding company" in this Article); provided, however, that this does not apply if the total amount for which credit is granted and contribution is made by a bank holding company and its subsidiary companies to that one person comes to exceed the maximum amount of credit and contribution by a bank holding company as a result of a merger, joint incorporation-type company split, absorption-type company split, or business acquisition by the person to which the credit is granted or the contribution is made, or due to other compelling reasons specified by Cabinet Order and the approval of the Prime Minister has been obtained. Ministry of Justice translation — Japanese Law Translation Database System **第二項** 前項の規定は、次に掲げる信用の供与等については、適用しない。 art-52-22/par-2 · https://japanlaw.org/ja/banking-act/art-52-22/par-2 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-2 The provisions of the preceding paragraph do not apply to the following grant of credit and making of contribution: 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-52-22/par-2/item-1 · https://japanlaw.org/ja/banking-act/art-52-22/par-2/item-1 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-2/item-1 the grant of credit to the State or a local public entity, the grant of credit for which redemption of the principal and payment of interest are guaranteed by the government, and any other extension of credit or making of a contribution specified by Cabinet Order as being equivalent to them; and Ministry of Justice translation — Japanese Law Translation Database System **二** 信用の供与等を行う銀行持株会社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-52-22/par-2/item-2 · https://japanlaw.org/ja/banking-act/art-52-22/par-2/item-2 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-2/item-2 the grant of credit or the making of a contribution and any other grant of credit or making of a contribution specified by Cabinet Order to a person that is found to be substantially the same as a bank holding company that grants credit or makes contribution or its subsidiary company, etc. Ministry of Justice translation — Japanese Law Translation Database System **第三項** 第一項の場合において、銀行持株会社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銀行持株会社に係る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、当該銀行持株会社の信用の供与等の額とみなす。 art-52-22/par-3 · https://japanlaw.org/ja/banking-act/art-52-22/par-3 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-3 In the case referred to in paragraph (1), if the total amount for which credit has been granted and contribution has been made to a single person by the bank holding company and its subsidiary companies, etc. exceeds the maximum amount of credit and contribution by a bank holding company, the excess amount of the credit that has been granted or the contribution that has been made is deemed to be the amount which the bank holding company has granted the credit or made the contribution. Ministry of Justice translation — Japanese Law Translation Database System **第四項** 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、銀行持株会社又はその子会社等が第一項本文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、銀行持株会社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、同項本文の規定を適用する。 art-52-22/par-4 · https://japanlaw.org/ja/banking-act/art-52-22/par-4 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-4 If a bank holding company or its subsidiary company, etc. has granted credit or made a contribution, irrespective of the name used or the means used, for the purpose of evading the application of the provisions of the main clause of paragraph (1), and a person other than the named person is the one to which the credit is substantially granted or the contribution is substantially made, that grant of credit or making of a contribution is deemed to be the grant of credit or making of a contribution to the person to which the credit is substantially granted or the contribution is substantially made by the bank holding company or its subsidiary company, etc., and the aforementioned provisions apply. Ministry of Justice translation — Japanese Law Translation Database System **第五項** 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純合計額及び銀行持株会社に係る信用供与等限度額の計算方法その他これらの規定の適用に関し必要な事項は、内閣府令で定める。 art-52-22/par-5 · https://japanlaw.org/ja/banking-act/art-52-22/par-5 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-5 Beyond what is provided for in the preceding paragraphs, Cabinet Order prescribes the amount of credit and contribution, the method of calculating the total net amount of equity capital specified in paragraph (1) and the maximum amount of credit granted and contribution made by the bank holding company, and other particulars necessary for applying those provisions. Ministry of Justice translation — Japanese Law Translation Database System --- ## Cites - art-52-22/par-1: この条 → 銀行法 第五十二条の二十二 (Article 52-22), art-52-22 — https://japanlaw.org/ja/banking-act/art-52-22 · https://japanlaw.org/l/356AC0000000059/art-52-22 - art-52-22/par-2: 前項 → 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-52-22/par-3: 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-52-22/par-4: 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-52-22/par-5: 前各項 → 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-52-22/par-5: 前各項 → 銀行法 第五十二条の二十二第二項 (Article 52-22, paragraph (2)), art-52-22/par-2 — https://japanlaw.org/ja/banking-act/art-52-22/par-2 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-2 - art-52-22/par-5: 前各項 → 銀行法 第五十二条の二十二第三項 (Article 52-22, paragraph (3)), art-52-22/par-3 — https://japanlaw.org/ja/banking-act/art-52-22/par-3 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-3 - art-52-22/par-5: 前各項 → 銀行法 第五十二条の二十二第四項 (Article 52-22, paragraph (4)), art-52-22/par-4 — https://japanlaw.org/ja/banking-act/art-52-22/par-4 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-4 ## Cited by 7 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 第五十二条の二十二第一項（銀行持株会社に係る同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-52-22/par-1 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-1 - 銀行法 第五十二条の二十二第二項（銀行持株会社に係る同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-52-22/par-2 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-2 - 銀行法 第五十二条の二十二第三項（銀行持株会社に係る同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-52-22/par-3 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-3 - 銀行法 第五十二条の二十二第四項（銀行持株会社に係る同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-52-22/par-4 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-4 - 銀行法 第五十二条の二十二第五項（銀行持株会社に係る同一人に対する信用の供与等） — https://japanlaw.org/ja/banking-act/art-52-22/par-5 · https://japanlaw.org/l/356AC0000000059/art-52-22/par-5 - 銀行法 附則第十三条第三項（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-3 · https://japanlaw.org/l/356AC0000000059/suppl-4251-45/art-13/par-3 --- ## 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