第一条この法律は、銀行の業務の公共性にかんがみ、信用を維持し、預金者等の保護を確保するとともに金融の円滑を図るため、銀行の業務の健全かつ適切な運営を期し、もつて国民経済の健全な発展に資することを目的とする。

Article 1(1)The purpose of this Act is to preserve the credibility of a bank's services in view of their public nature; to achieve the sound and appropriate management of a bank's services in order to ensure protection for depositors and facilitate the smooth functioning of financial services; and to thereby contribute to the sound development of the national economy.

２この法律の運用に当たつては、銀行の業務の運営についての自主的な努力を尊重するよう配慮しなければならない。

(2)In implementing this Act, due consideration must be given to respect the bank's voluntary efforts to manage its own services.

第二条この法律において「銀行」とは、第四条第一項の内閣総理大臣の免許を受けて銀行業を営む者をいう。

Article 2(1)The term "bank" as used in this Act means a person engaging in banking by obtaining a license referred to in Article 4, paragraph (1) granted by the Prime Minister.

２この法律において「銀行業」とは、次に掲げる行為のいずれかを行う営業をいう。

(2)The term "banking" as used in this Act means the business of performing any of the following actions:

３この法律において「定期積金」とは、期限を定めて一定金額の給付を行うことを約して、定期に又は一定の期間内において数回にわたり受け入れる金銭をいう。

(3)The term "installment savings" as used in this Act means money that is accepted on multiple occasions at regular intervals or within a fixed period of time, with the promise that a fixed amount of money will be paid on a designated date.

４この法律において「定期積金等」とは、定期積金のほか、一定の期間を定め、その中途又は満了の時において一定の金額の給付を行うことを約して、当該期間内において受け入れる掛金をいう。

(4)The term "installment savings, etc." as used in this Act means, in addition to installment savings, money paid in in installments, and accepted within a fixed period of time, with the promise that a fixed amount of money will be paid at or before the end of that period.

５この法律において「預金者等」とは、預金者及び定期積金の積金者（前項に規定する掛金の掛金者を含む。）をいう。

(5)The term "depositor, etc." as used in this Act means a depositor or a person that puts money into installment savings (including a person that pays in money in installments as prescribed in the preceding paragraph).

６この法律において「総株主等の議決権」とは、総株主又は総出資者の議決権（株式会社にあつては、株主総会において決議をすることができる事項の全部につき議決権を行使することができない株式についての議決権を除き、会社法（平成十七年法律第八十六号）第八百七十九条第三項（特別清算事件の管轄）の規定により議決権を有するものとみなされる株式についての議決権を含む。以下同じ。）をいう。

(6)The term "total shareholder or investor voting rights" as used in this Act means voting rights of all shareholders or voting rights of all equity investors (for a stock company, excluding voting rights in respect of shares that the holder may not exercise voting rights with regard to all of the matters that can be resolved at a shareholders meeting, but including voting rights in respect of shares whose holders are deemed to have voting rights pursuant to the provisions of Article 879, paragraph (3) (Jurisdiction over a Special Liquidation Case) of the Companies Act (Act No. 86 of 2005); the same applies hereinafter).

７この法律において「株式等」とは、株式又は持分をいう。

(7)The term "shares or equity" as used in this Act means shares or equity interest.

８この法律において「子会社」とは、会社がその総株主等の議決権の百分の五十を超える議決権を保有する他の会社をいう。この場合において、会社及びその一若しくは二以上の子会社又は当該会社の一若しくは二以上の子会社がその総株主等の議決権の百分の五十を超える議決権を保有する他の会社は、当該会社の子会社とみなす。

(8)The term "subsidiary company" as used in this Act means the second company for which the first company holds voting rights accounting for over fifty percent of the total shareholder or investor voting rights. In such a case, the second company for which the first company and one or more of its subsidiary companies hold voting rights accounting for over fifty percent of the total shareholder or investor voting rights, or for which one or more of the first company's subsidiary companies hold voting rights accounting for over fifty percent of the total shareholder or investor voting rights, is deemed to be the subsidiary company of the first company.

９この法律において「主要株主基準値」とは、総株主の議決権の百分の二十（会社の財務及び営業の方針の決定に対して重要な影響を与えることが推測される事実が存在するものとして内閣府令で定める要件に該当する者が当該会社の議決権の保有者である場合にあつては、百分の十五）をいう。

(9)The term "major shareholder threshold" as used in this Act means twenty percent (or fifteen percent, if a person satisfying the requirement specified by Cabinet Office Order as one with regard to which a fact exists that is presumed to have a material influence on decisions about the company's financial and business policies, holds the voting rights in the company) of the total shareholder voting rights.

１０この法律において「銀行主要株主」とは、銀行の主要株主基準値以上の数の議決権の保有者（他人（仮設人を含む。）の名義をもつて保有する者を含む。以下同じ。）であつて、第五十二条の九第一項の認可を受けて設立され、又は同項若しくは同条第二項ただし書の認可を受けているものをいう。

(10)The term a "bank's major shareholder" as used in this Act means a person that holds a number of voting rights in a bank which is equal to or greater than the major shareholder threshold (including a person that holds those voting rights in the name of another person (or under a pseudonym); the same applies hereinafter), and is incorporated under the authorization referred to in Article 52-9, paragraph (1), or that obtains the authorization referred to in that paragraph or the proviso to paragraph (2) of that Article.

１１第八項又は前項の場合において、会社又は議決権の保有者が保有する議決権には、金銭又は有価証券の信託に係る信託財産として所有する株式等に係る議決権（委託者又は受益者が行使し、又はその行使について当該会社若しくは当該議決権の保有者に指図を行うことができるものに限る。）その他内閣府令で定める議決権を含まないものとし、信託財産である株式等に係る議決権で、当該会社又は当該議決権の保有者が委託者若しくは受益者として行使し、又はその行使について指図を行うことができるもの（内閣府令で定める議決権を除く。）及び社債、株式等の振替に関する法律（平成十三年法律第七十五号）第百四十七条第一項又は第百四十八条第一項の規定により発行者に対抗することができない株式に係る議決権を含むものとする。

(11)In the case referred to in paragraph (8) or the preceding paragraph, the voting rights held by the company or the person that holds those voting rights are not to include the voting rights from shares or equity that the company or person holds as trust property in a monetary or security trust (limited to those that the settlor or beneficiary may exercise or those whose exercise the settlor or beneficiary may give instructions to the company or the person that holds them) or the voting rights specified by Cabinet Office Order, but are to include voting rights from shares or equity that constitute trust property which the company or the person that holds those voting rights may exercise as the settlor or beneficiary, or whose exercise the company or person may give instructions as the settlor or beneficiary (excluding those specified by Cabinet Office Order), and voting rights from shares which may not be asserted against the issuer pursuant to the provisions of Article 147, paragraph (1) or Article 148, paragraph (1) of the Act on Book-Entry Transfer of Corporate Bonds and Shares (Act No. 75 of 2001).

１２この法律において「持株会社」とは、子会社（国内の会社に限る。）の株式等の取得価額（最終の貸借対照表において別に付した価額があるときは、その価額）の合計額の総資産の額（内閣府令で定める方法による資産の合計金額をいう。）から内閣府令で定める資産の額（内閣府令で定めるところにより算出した額をいう。）を除いた額に対する割合が百分の五十を超える会社をいう。

(12)The term "holding company" as used in this Act means a company whose percentage of the total amount of the acquisition cost (or any other value if such value is listed in the latest balance sheet) of shares or equity in subsidiary companies (limited to domestic companies) to the amount calculated by deducting the amount of assets specified by Cabinet Office Order (meaning the amount calculated pursuant to the provisions of Cabinet Office Order) from the amount of total assets (meaning the total amount of assets calculated by a method specified by Cabinet Office Order) exceeds fifty percent.

１３この法律において「銀行持株会社」とは、銀行を子会社とする持株会社であつて、第五十二条の十七第一項の認可を受けて設立され、又は同項若しくは同条第三項ただし書の認可を受けているものをいう。

(13)The term "bank holding company" as used in this Act means a holding company that has a bank as its subsidiary company, and that is incorporated under the authorization referred to in Article 52-17, paragraph (1) or has obtained the authorization referred to in that paragraph (1) or the proviso to paragraph (3) of that Article.

１４この法律において「銀行代理業」とは、銀行のために次に掲げる行為のいずれかを行う営業をいう。

(14)The term "bank agency services" as used in this Act means the business of performing any of the following actions on behalf of a bank:

１５この法律において「銀行代理業者」とは、第五十二条の三十六第一項の内閣総理大臣の許可を受けて銀行代理業を営む者をいう。

(15)The term "bank agent" as used in this Act means a person that performs bank agency services under the license of the Prime Minister as referred to in Article 52-36, paragraph (1).

１６この法律において「所属銀行」とは、銀行代理業者が行う第十四項各号に掲げる行為により、同項各号に規定する契約において同項各号の預金若しくは定期積金等の受入れ、資金の貸付け若しくは手形の割引又は為替取引を行う銀行をいう。

(16)The term "principal bank" as used in this Act means a bank that accepts deposits or installment savings, etc., lends funds, discounts negotiable instruments, or deals in funds transfer transactions as referred to in the items of paragraph (14) under a contract provided for in each item of that paragraph, based on the action set forth in the items of that paragraph which a bank agent performs.

１７この法律において「電子決済等取扱業」とは、次に掲げる行為を行う営業をいい、「電子決済等関連預金媒介業務」とは、第二号に掲げる行為をいう。

(17)The term "electronic payment handling services" as used in this Act means the business of performing the following actions, and the term "electronic payment-related deposit intermediary services" as used in this Act means the action set forth in item (ii):

１８この法律において「電子決済等取扱業者」とは、第五十二条の六十の三の登録を受けて電子決済等取扱業を営む者をいう。

(18)The term "electronic payment handling service provider" as used in this Act means a person that performs electronic payment handling services by obtaining the registration referred to in Article 52-60-3.

１９この法律において「外国電子決済等取扱業者」とは、この法律に相当する外国の法令の規定により当該外国において第五十二条の六十の三の登録と同種類の登録（当該登録に類するその他の行政処分を含む。）を受けて電子決済等取扱業を営む者又は当該外国の法令に準拠してこれに相当する業務を営む者をいう。

(19)The term "foreign electronic payment handling service provider" as used in this Act means a person that performs electronic payment handling services under the same type of registration as the registration referred to in Article 52-60-3 obtained in a foreign country pursuant to the provisions of foreign laws and regulations that are equivalent to this Act (including other administrative dispositions similar to the registration) or a person that performs services equivalent to those services in accordance with laws and regulations of the foreign country.

２０この法律において「認定電子決済等取扱事業者協会」とは、第五十二条の六十の二十五の規定による認定を受けた一般社団法人をいう。

(20)The term "certified association of electronic payment handling service providers" as used in this Act means a general incorporated association that has been granted the certification under the provisions of Article 52-60-25.

２１この法律において「電子決済等代行業」とは、次に掲げる行為（第一号に規定する預金者による特定の者に対する定期的な支払を目的として行う同号に掲げる行為その他の利用者の保護に欠けるおそれが少ないと認められるものとして内閣府令で定める行為を除く。）のいずれかを行う営業をいう。

(21)The term "electronic payment services" as used in this Act means the business of performing any of the following actions (excluding the actions set forth in item (i) that are performed in order to enable a depositor prescribed in that item to make periodic payments to a specific person and any other actions specified by Cabinet Office Order as those that are found to have little likelihood of resulting in insufficient user protection):

２２この法律において「電子決済等代行業者」とは、第五十二条の六十一の二の登録を受けて電子決済等代行業を営む者をいう。

(22)The term "electronic payment service provider" as used in this Act means a person engaging in electronic payment services by obtaining the registration referred to in Article 52-61-2.

２３この法律において「認定電子決済等代行事業者協会」とは、第五十二条の六十一の十九の規定による認定を受けた一般社団法人をいう。

(23)The term "certified association of electronic payment service providers" as used in this Act means a general incorporated association that has been granted the certification under the provisions of Article 52-61-19.

２４この法律において「指定紛争解決機関」とは、第五十二条の六十二第一項の規定による指定を受けた者をいう。

(24)The term "designated dispute resolution organization" as used in this Act means a person that has obtained the designation under Article 52-62, paragraph (1).

２５この法律において「銀行業務」とは、銀行が第十条及び第十一条の規定により営む業務並びに担保付社債信託法（明治三十八年法律第五十二号）その他の法律により営む業務並びに当該銀行のために銀行代理業を営む者が営む銀行代理業をいう。

(25)The term "banking services" as used in this Act means services that a bank performs pursuant to the provisions of Article 10 and Article 11, services that a bank performs pursuant to the provisions of the Secured Bond Trust Act (Act No. 52 of 1905) and other laws, and bank agency services that a person engaged in bank agency services performs on behalf of that bank.

２６この法律において「電子決済等取扱業務」とは、電子決済等取扱業者が営む第十七項各号に掲げる行為に係る業務をいう。

(26)The term "electronic payment handling business" as used in this Act means the business involving the actions set forth in the items of paragraph (17) that are performed by an electronic payment handling service provider.

２７この法律において「銀行業務等」とは、銀行業務又は電子決済等取扱業務をいう。

(27)The term "banking services, etc." as used in this Act means banking services or electronic payment handling business.

２８この法律において「苦情処理手続」とは、銀行業務等関連苦情（銀行業務等に関する苦情をいう。第五十二条の六十七、第五十二条の六十八及び第五十二条の七十二において同じ。）を処理する手続をいう。

(28)The term "complaint processing procedures" as used in this Act means procedures for processing a complaint related to banking services, etc. (meaning a complaint about banking services, etc.; the same applies in Article 52-67, Article 52-68, and Article 52-72).

２９この法律において「紛争解決手続」とは、銀行業務等関連紛争（銀行業務等に関する紛争で当事者が和解をすることができるものをいう。第五十二条の六十七、第五十二条の六十八及び第五十二条の七十三から第五十二条の七十五までにおいて同じ。）について訴訟手続によらずに解決を図る手続をいう。

(29)The term "dispute resolution procedures" as used in this Act means procedures that attempt to resolve a dispute related to banking services, etc. (meaning a dispute about banking services, etc. which can be settled between the parties; the same applies in Article 52-67, Article 52-68, and Articles 52-73 through 52-75) without recourse to court proceedings.

３０この法律において「紛争解決等業務」とは、苦情処理手続及び紛争解決手続に係る業務並びにこれに付随する業務をいう。

(30)The term "dispute resolution services" as used in this Act means services involved in complaint processing procedures and dispute resolution procedures, as well as services incidental to the services.

３１この法律において「紛争解決等業務の種別」とは、紛争解決等業務に係る銀行業務及び電子決済等取扱業務の種別をいう。

(31)The term "categories of dispute resolution services" as used in this Act means categories of banking services and electronic payment handling business which are related to dispute resolution services

３２この法律において「手続実施基本契約」とは、紛争解決等業務の実施に関し指定紛争解決機関と銀行業関係業者（銀行又は電子決済等取扱業者をいう。以下同じ。）との間で締結される契約をいう。

(32)The term "basic contract for the implementation of dispute resolution procedures" as used in this Act means a contract concluded between a designated dispute resolution organization and a banking service provider (meaning a bank or electronic payment handling service provider; the same applies hereinafter) with regard to the implementation of dispute resolution services.

第三条預金又は定期積金等の受入れ（前条第二項第一号に掲げる行為に該当するものを除く。）を行う営業は、銀行業とみなして、この法律を適用する。

Article 3The business of accepting deposits or installment savings, etc. (other than that which falls under the category of an action set forth in paragraph (2), item (i) of the preceding Article) is deemed to be banking, and this Act apply.

第三条の二次の各号に掲げる者は、それぞれ当該各号に定める数の銀行の議決権の保有者とみなして、第七章の三第一節及び第二節、第八章並びに第九章の規定を適用する。

Article 3-2(1)A person set forth in one of the following items is deemed to be a holder of voting rights in a bank, in the number specified in the relevant item, and the provisions of Chapter VII-3, Sections 1 and 2, Chapter VIII and Chapter IX apply:

２第二条第十一項の規定は、前項各号の場合において同項各号に掲げる者が保有するものとみなされる議決権及び議決権の保有者が保有する議決権について準用する。

(2)The provisions of Article 2, paragraph (11) apply mutatis mutandis to voting rights that the person set forth in the items of the preceding paragraph is deemed to hold and to the voting rights that the holder of the voting rights holds, in the case referred to in one of the items of that paragraph.

第四条銀行業は、内閣総理大臣の免許を受けた者でなければ、営むことができない。

Article 4(1)A person may not engage in banking unless licensed by the Prime Minister to do so.

２内閣総理大臣は、銀行業の免許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。

(2)When an application is filed for a banking license, the Prime Minister must examine whether the following criteria are met:

３外国の法令に準拠して外国において銀行業を営む者（その者と政令で定める特殊の関係のある者を含むものとし、銀行等を除く。以下この項において「外国銀行等」という。）をその株主の全部又は一部とする者が銀行業の免許を申請した場合において、当該外国銀行等が当該免許を申請した者の総株主の議決権に内閣府令で定める率を乗じて得た数を超える議決権を適法に保有しているときは、内閣総理大臣は、前項各号に掲げる基準のほか、当該外国銀行等の主たる営業所が所在する国において、銀行に対し、この法律による取扱いと実質的に同等な取扱いが行われると認められるかどうかの審査をしなければならない。ただし、当該審査が国際約束の誠実な履行を妨げることとなる場合その他の政令で定める場合は、この限りでない。

(3)If a person that has persons engaged in banking in a foreign country in accordance with foreign laws and regulations (including a person that has a unique relationship specified by Cabinet Order with the person, but excluding a bank, etc.; hereinafter such a person is referred to as a "foreign bank, etc." in this paragraph) as all or some of their shareholders files a banking license application, and the foreign bank, etc. lawfully holds voting rights in the person filing the banking license application which exceed the number arrived at by multiplying the total shareholder voting rights in that person shareholders by the percentage specified by Cabinet Office Order, in addition to the criteria set forth in each item of the preceding paragraph, the Prime Minister must examine whether banks are found to be treated in substantially the same manner as under this Act in the country where the principal business office of the foreign bank, etc. is located;provided, however, that this does not apply to the case in which the examination would interfere with the faithful fulfillment of an international agreement or in other cases specified by Cabinet Order.

４内閣総理大臣は、前二項の規定による審査の基準に照らし公益上必要があると認めるときは、その必要の限度において、第一項の免許に条件を付し、及びこれを変更することができる。

(4)If the Prime Minister finds it to be necessary in the public interest in light of the examination criteria under the preceding two paragraphs, the Prime Minister may attach conditions to the license referred to in paragraph (1) or change those conditions, to the extent necessary.

５第三項の「銀行等」とは、銀行、長期信用銀行（長期信用銀行法（昭和二十七年法律第百八十七号）第二条（定義）に規定する長期信用銀行をいう。以下同じ。）その他内閣府令で定める金融機関をいう。

(5)The term "bank, etc." as used in paragraph (3) means a bank, a long-term credit bank (meaning a long-term credit bank as defined in Article 2 (Definitions) of the Long-Term Credit Bank Act (Act No. 187 of 1952); the same applies hereinafter), or a financial institution specified by Cabinet Office Order.

第四条の二銀行は、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。

Article 4-2A bank must be a stock company that has in place the following organs:

第五条銀行の資本金の額は、政令で定める額以上でなければならない。

Article 5(1)The stated capital of a bank must be equal to or more than the amount specified by Cabinet Order.

２前項の政令で定める額は、十億円を下回つてはならない。

(2)The amount specified by Cabinet Order that is referred to in the preceding paragraph must not be less than one billion yen.

３銀行は、その資本金の額を減少しようとするときは、内閣総理大臣の認可を受けなければならない。

(3)A bank must obtain the authorization by the Prime Minister if it seeks to reduce the amount of its stated capital.

第六条銀行は、その商号中に銀行という文字を使用しなければならない。

Article 6(1)A bank must use the characters "銀行" (with a pronunciation of "ginkou" and literally meaning a "bank") in its trade name.

２銀行でない者は、その名称又は商号中に銀行であることを示す文字を使用してはならない。

(2)A person that is not a bank must not use the characters that indicate them to be a bank in their name or trade name.

３銀行は、その商号を変更しようとするときは、内閣総理大臣の認可を受けなければならない。

(3)A bank must obtain the authorization by the Prime Minister if it seeks to change its trade name.

第七条銀行の常務に従事する取締役（指名委員会等設置会社にあつては、執行役）は、内閣総理大臣の認可を受けた場合を除くほか、他の会社の常務に従事してはならない。

Article 7(1)A director (or, an executive officer, if the bank is a company with nominating committee, etc.) who is engaged in the day-to-day operations of a bank must not engage in the day-to-day operations of any other company without the authorization by the Prime Minister.

２内閣総理大臣は、前項の認可の申請があつたときは、当該申請に係る事項が当該銀行の業務の健全かつ適切な運営を妨げるおそれがないと認める場合でなければ、これを認可してはならない。

(2)When an application is filed for the authorization referred to in the preceding paragraph, the Prime Minister must not grant the authorization unless the Prime Minister finds that the particulars given in the application are unlikely to interfere with the sound and appropriate management of the bank's services.

第七条の二次の各号に掲げる者は、当該各号に定め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なければならない。

Article 7-2(1)A person set forth in one of the following items must have the knowledge and experience specified in the relevant item, and must have sufficient social credibility:

２次に掲げる者は、銀行の取締役、執行役又は監査役となることができない。

(2)The following persons may not become the director, executive officer, or company auditor of a bank:

３銀行の取締役、執行役又は監査役に対する会社法第三百三十一条第一項第三号（取締役の資格等）（同法第三百三十五条第一項（監査役の資格等）及び第四百二条第四項（執行役の選任等）において準用する場合を含む。）の規定の適用については、同号中「この法律」とあるのは、「銀行法、この法律」とする。

(3)In applying the provisions of Article 331, paragraph (1), item (iii) of the Companies Act (Qualifications of Directors) (including as applied mutatis mutandis pursuant to Article 335, paragraph (1) (Qualifications of Company Auditors) and Article 402, paragraph (4) (Election of Executive Officers) of that Act) to the director, executive officer, or company auditor of a bank, the term "this Act" in that item is deemed to be replaced with "the Banking Act, this Act".

４会社法第三百三十一条第二項ただし書（取締役の資格等）（同法第三百三十五条第一項（監査役の資格等）において準用する場合を含む。）、第三百三十二条第二項（取締役の任期）（同法第三百三十四条第一項（会計参与の任期）において準用する場合を含む。）、第三百三十六条第二項（監査役の任期）及び第四百二条第五項ただし書（執行役の選任等）の規定は、銀行については、適用しない。

(4)The provisions of the proviso to Article 331, paragraph (2) (Qualifications of Directors) of the Companies Act (including as applied mutatis mutandis pursuant to Article 335, paragraph (1) (Qualifications of Company Auditors)), Article 332, paragraph (2) (Directors' Terms of Office) (including as applied mutatis mutandis pursuant to Article 334, paragraph (1) (Accounting Advisors' Terms of Office)), Article 336, paragraph (2) (Company Auditors' Terms of Office) and the proviso to Article 402, paragraph (5) (Election of Executive Officers) of that Act do not apply to a bank.

第八条銀行は、日本において支店その他の営業所の設置、位置の変更（本店の位置の変更を含む。）、種類の変更又は廃止をしようとするときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、内閣総理大臣に届け出なければならない。

Article 8(1)Except in cases specified by Cabinet Office Order, a bank must file a notification with the Prime Minister pursuant to the provisions of Cabinet Office Order if the bank seeks to establish a branch office or other business office in Japan, change its location (including a change in the location of its head office), change its type, or close it.

２銀行は、外国において支店その他の営業所の設置、種類の変更又は廃止をしようとするときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、内閣総理大臣の認可を受けなければならない。

(2)Except in cases specified by Cabinet Office Order, a bank must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order if the bank seeks to establish a branch office or other business office in a foreign country, change its type, or close it.

３銀行は、第二条第十四項各号に掲げる行為を外国において委託する旨の契約を締結しようとするとき、又は当該契約を終了しようとするときは、内閣府令で定めるところにより、内閣総理大臣の認可を受けなければならない。

(3)A bank must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order if the bank seeks to conclude or terminate a contract under which it entrusts a person with an action set forth in one of the items of Article 2, paragraph (14) in a foreign country.

４前項の規定は、銀行が当該銀行の子会社である外国の法令に準拠して外国において銀行業を営む者その他の内閣府令で定める者との間で同項の契約を締結しようとするとき、又は当該契約を終了しようとするときは、適用しない。この場合において、当該銀行は、内閣府令で定めるところにより、あらかじめ、内閣総理大臣に届け出なければならない。

(4)The provisions of the preceding paragraph do not apply when a bank seeks to conclude or terminate a contract referred to in that paragraph with a subsidiary company of that bank that constitutes a person engaged in banking in a foreign country in accordance with foreign laws and regulations, or with any other person specified by Cabinet Office Order. In such cases, the bank must file a notification with the Prime Minister in advance, pursuant to the provisions of Cabinet Office Order.

第九条銀行は、自己の名義をもつて、他人に銀行業を営ませてはならない。

Article 9A bank must not allow another person to engage in banking using its name.

第十条銀行は、次に掲げる業務を営むことができる。

Article 10(1)A bank may perform the following services:

２銀行は、前項各号に掲げる業務のほか、次に掲げる業務その他の銀行業に付随する業務を営むことができる。

(2)In addition to the services set forth in the items of the preceding paragraph, a bank may perform the following services and any other services incidental to banking:

３前項第二号、第五号の三及び第十六号並びに第六項の「短期社債等」とは、次に掲げるものをいう。

(3)The term "short-term bonds, etc." as used in item (ii), item (v)-3, and item (xvi) of the preceding paragraph and paragraph (6) means the following bonds:

４第二項第二号又は第十二号の「有価証券関連デリバティブ取引」又は「書面取次ぎ行為」とは、それぞれ金融商品取引法（昭和二十三年法律第二十五号）第二十八条第八項第六号（通則）に規定する有価証券関連デリバティブ取引又は同法第三十三条第二項（金融機関の有価証券関連業の禁止等）に規定する書面取次ぎ行為をいう。

(4)The terms "transaction of securities-related derivatives" and "brokerage with written orders" as used in paragraph (2), item (ii) or (xii) mean the transaction of securities-related derivatives as defined in Article 28, paragraph (8), item (vi) (General Rules) of the Financial Instruments and Exchange Act (Act No. 25 of 1948) and the brokerage with written orders provided for in Article 33, paragraph (2) (Prohibition on Engagement in Securities-Related Services by Financial Institutions) of that Act.

５第二項第四号の「政府保証債」とは、政府が元本の償還及び利息の支払について保証している社債その他の債券をいう。

(5)The term "government-guaranteed bonds" as used in paragraph (2), item (iv) means corporate bonds and other bond certificates for which the government guarantees redemption of the principal and payment of interest.

６第二項第五号に掲げる業務には同号に規定する証書をもつて表示される金銭債権のうち有価証券に該当するものについて、同項第五号の三に掲げる業務には短期社債等について、金融商品取引法第二条第八項第一号から第六号まで及び第八号から第十号まで（定義）に掲げる行為を行う業務を含むものとする。

(6)The services set forth in paragraph (2), item (v) include the services of performing the actions set forth in Article 2, paragraph (8), items (i) through (vi) and items (viii) through (x) (Definitions) of the Financial Instruments and Exchange Act for monetary claims that are indicated in the form of certificates prescribed in paragraph 2, item (v) and fall under the category of securities, and the services set forth in paragraph (2), item (v)-3 include the services of performing those actions for short-term bonds, etc.

７第二項第五号の二の「特定目的会社」、「資産流動化計画」、「特定社債」又は「特定短期社債」とは、それぞれ資産の流動化に関する法律第二条第三項、第四項、第七項又は第八項に規定する特定目的会社、資産流動化計画、特定社債又は特定短期社債をいう。

(7)The terms "special purpose company," "asset securitization plan," "specified bonds," and "specified short-term bonds" as used in paragraph (2), item (v)-2 mean, a special purpose company, asset securitization plan, specified bond, or specified short-term bond as defined in Article 2, paragraph (3), paragraph (4), paragraph (7), and paragraph (8), respectively, of the Act on Securitization of Assets, respectively.

８第二項第六号の「有価証券の私募の取扱い」とは、有価証券の私募（金融商品取引法第二条第三項に規定する有価証券の私募をいう。）の取扱いをいう。

(8)The term "handling of private placements of securities" as used in paragraph (2), item (vi) means handling of the private placement of securities (meaning a private placement of securities as defined in Article 2, paragraph (3) as provided for in of the Financial Instruments and Exchange Act).

９第二項第十号の二の「振替業」とは、社債、株式等の振替に関する法律第二条第四項（定義）の口座管理機関として行う振替業をいう。

(9)The term "book-entry transfer business" as used in paragraph (2), item (x)-2 means the book-entry transfer business that a person performs as an account management institution referred to in Article 2, paragraph (4) (Definitions) of the Act on Book-Entry Transfer of Corporate Bonds and Shares.

１０第二項第十二号若しくは第十三号の「デリバティブ取引」又は同項第十六号若しくは第十七号の「有価証券関連店頭デリバティブ取引」とは、それぞれ金融商品取引法第二条第二十項に規定するデリバティブ取引又は同法第二十八条第八項第四号に掲げる行為をいう。

(10)The term "derivatives transactions" as used in paragraph (2), items (xii) and (xiii) and the term "securities-related over-the-counter derivatives transactions" as used in paragraph (2), items (xvi) and (xvii) mean the derivatives transactions as defined in Article 2, paragraph (20) of the Financial Instruments and Exchange Act and the action set forth in Article 28, paragraph (8), item (iv) of that Act.

第十一条銀行は、前条の規定により営む業務のほか、同条第一項各号に掲げる業務の遂行を妨げない限度において、次に掲げる業務を行うことができる。

Article 11In addition to the services a bank performs pursuant to the provisions of the preceding Article, a bank may perform the following services, to the extent that this does not interfere with the performance of the services set forth in the items of paragraph (1) of that Article:

第十二条銀行は、前二条の規定により営む業務及び担保付社債信託法その他の法律により営む業務のほか、他の業務を営むことができない。

Article 12A bank may not perform services other than those it conducts pursuant to the provisions of the preceding two Articles and those it conducts pursuant to the provisions of the Secured Bond Trust Act or other laws.

第十二条の二銀行は、預金又は定期積金等（以下この項において「預金等」という。）の受入れ（第十三条の四に規定する特定預金等の受入れを除く。）に関し、預金者等の保護に資するため、内閣府令で定めるところにより、預金等に係る契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない。

Article 12-2(1)In order to contribute to the protection of depositors, etc. with regard to the acceptance of deposits or installment savings, etc. (hereinafter referred to as "deposits, etc." in this paragraph) (other than the acceptance of specified deposits, etc. as prescribed in Article 13-4), a bank must provide information on the content of contract for deposits, etc. and other information that is to serve as a reference to depositors, etc., pursuant to the provisions of Cabinet Office Order.

２前項及び第十三条の四並びに他の法律に定めるもののほか、銀行は、内閣府令で定めるところにより、その業務に係る重要な事項の顧客への説明、その業務に関して取得した顧客に関する情報の適正な取扱い、その業務を第三者に委託する場合における当該業務の的確な遂行その他の健全かつ適切な運営を確保するための措置を講じなければならない。

(2)Beyond what is provided for in the preceding paragraph, Article 13-4, and other laws, a bank must explain the material matters of its services to customers, appropriately handle customer information it acquires in the course of its services, take measures to ensure precise execution of its services in entrusting them to a third party, and take other measures to ensure sound and appropriate management of its services, pursuant to the provisions of Cabinet Office Order.

３前項の規定（銀行がその業務を第三者に委託する場合における当該業務の的確な遂行を確保するための措置に関する部分に限る。）は、次に掲げる場合には、適用しない。

(3)The provisions of the preceding paragraph (limited to the parts concerning measures to be taken by a bank to ensure appropriate execution of its services in entrusting them to a third party) do not apply to the following cases:

第十二条の三銀行は、次の各号に掲げる場合の区分に応じ、当該各号に定める措置を講じなければならない。

Article 12-3(1)A bank must take the measures specified in the following items in accordance with the category of cases set forth in each of those items:

２銀行は、前項の規定により手続実施基本契約を締結する措置を講じた場合には、当該手続実施基本契約の相手方である指定銀行業務紛争解決機関の商号又は名称を公表しなければならない。

(2)If a bank takes measures to conclude a basic contract for the implementation of dispute resolution procedures pursuant to the provisions of the preceding paragraph, it must publicize the trade name or name of the designated dispute resolution organization for banking services that is the other party to the basic contract for the implementation of dispute resolution procedures.

３第一項の規定は、次の各号に掲げる場合の区分に応じ、当該各号に定める期間においては、適用しない。

(3)The provisions of paragraph (1) do not apply to the period specified in the following items in accordance with the category of cases set forth in each of those items:

第十二条の四銀行は、持分会社の無限責任社員又は業務を執行する社員となることができない。

Article 12-4A bank may not become a member with unlimited liability of a membership company or a member in charge of executing the business of a membership company.

第十三条銀行の同一人（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。

Article 13(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.

２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。

(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.

３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。

(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:

４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。

(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.

５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。

(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.

６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。

(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).

第十三条の二銀行は、その特定関係者（当該銀行の子会社、当該銀行の銀行主要株主、当該銀行を子会社とする銀行持株会社、当該銀行持株会社の子会社（当該銀行を除く。）、当該銀行を所属銀行とする銀行代理業者その他の当該銀行と政令で定める特殊の関係のある者をいう。以下この条及び次条において同じ。）又はその特定関係者の顧客との間で、次に掲げる取引又は行為をしてはならない。ただし、当該取引若しくは行為をすることにつき内閣府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、又は当該銀行を子会社とする銀行持株会社（他の銀行又は銀行持株会社の子会社でないものに限る。）の子会社（当該銀行以外の銀行に限る。）との間で当該取引若しくは行為を行う場合において、当該銀行の経営の健全性を損なうおそれがないことその他の内閣府令で定める要件を満たすものとして内閣総理大臣の承認を受けたときは、この限りでない。

Article 13-2A bank must not conduct the following transactions or actions with its specified related party (meaning a subsidiary company of the bank, the bank's major shareholder, a bank holding company that has the bank as its subsidiary company, a subsidiary company of the bank holding company (excluding the bank), or a bank agent that has the bank as its principal bank, and other persons that have a unique relationship specified by Cabinet Order with the bank; hereinafter the same applies in this Article and the following Article) or with the customer of its specified related party;provided, however, that this does not apply if there is a compelling reason specified by Cabinet Office Order for the bank to conduct the transaction or the action and the bank has obtained the approval of the Prime Minister, or if the bank conducts the transaction or the action with a subsidiary company of the bank holding company (limited to one that is not a subsidiary company of any other bank or bank holding company) that has the bank in question as its subsidiary company (limited to a bank other than that bank), and this has been approved by the Prime Minister as being unlikely to damage the sound management of the bank or as satisfying other requirements specified by Cabinet Office Order:

第十三条の三銀行は、その業務に関し、次に掲げる行為（第十三条の四に規定する特定預金等契約の締結の業務に関しては、第四号に掲げる行為を除く。）をしてはならない。

Article 13-3A bank must not engage in any of the following actions in connection with its services (for services involved in entering into a contract for specified deposit, etc. prescribed in Article 13-4, excluding the action set forth in item (iv)):

第十三条の三の二銀行は、当該銀行、当該銀行を所属銀行とする銀行代理業者又は当該銀行の親金融機関等若しくは子金融機関等が行う取引に伴い、当該銀行、当該銀行を所属銀行とする銀行代理業者又は当該銀行の子金融機関等が行う業務（銀行業、銀行代理業その他の内閣府令で定める業務に限る。）に係る顧客の利益が不当に害されることのないよう、内閣府令で定めるところにより、当該業務に関する情報を適正に管理し、かつ、当該業務の実施状況を適切に監視するための体制の整備その他必要な措置を講じなければならない。

Article 13-3-2(1)A bank must properly manage information about the services and establish a system for properly supervising the implementation status of the services and take other necessary measures pursuant to the provisions of Cabinet Office Order, in order to ensure that the interests of the customers in relation to the services are not unjustly impaired regarding services (limited to the banking, bank agency services, and other services specified by Cabinet Office Order) provided by a bank, a bank agent that has the bank as its principal bank, or the subsidiary financial institution of the bank in connection with transactions conducted by the bank, the bank agent that has the bank as its principal bank, or the parent financial institution etc., or the subsidiary financial institution, etc. of the bank.

２前項の「親金融機関等」とは、銀行の総株主の議決権の過半数を保有している者その他の当該銀行と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者（金融商品取引法第二条第九項（定義）に規定する金融商品取引業者をいう。以下同じ。）、保険会社（保険業法第二条第二項（定義）に規定する保険会社をいう。以下同じ。）その他政令で定める金融業を行う者をいう。

(2)The term "parent financial institution, etc." as used in the preceding paragraph means a bank, financial instruments business operator (meaning a financial instruments business operator as defined in Article 2, paragraph (9) (Definitions) of the Financial Instruments and Exchange Act; the same applies hereinafter), insurance company (meaning an insurance company as defined in Article 2, paragraph (2) (Definitions) of the Insurance Business Act; the same applies hereinafter), or other persons engaged in financial services specified by Cabinet Order, which Cabinet Order prescribes as holding the majority of the total shareholder voting rights in the relevant bank or as other persons that have a close relationship with that bank.

３第一項の「子金融機関等」とは、銀行が総株主等の議決権の過半数を保有している者その他の当該銀行と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者、保険会社その他政令で定める金融業を行う者をいう。

(3)The term "subsidiary financial institution, etc." as used in paragraph (1) means a bank, financial instruments business operator, insurance company, or other persons engaged in financial services specified by Cabinet Order, in which Cabinet Order prescribes that the relevant bank holds the majority of the total shareholder or investor voting rights or which Cabinet Order prescribes as other persons that have a close relationship with that bank.

第十三条の四金融商品取引法第三章第一節第五款（第三十四条の二第六項から第八項まで（特定投資家が特定投資家以外の顧客とみなされる場合）並びに第三十四条の三第五項及び第六項（特定投資家以外の顧客である法人が特定投資家とみなされる場合）を除く。）（特定投資家）、同章第二節第一款（第三十五条から第三十六条の四まで（第一種金融商品取引業又は投資運用業を行う者の業務の範囲、第二種金融商品取引業又は投資助言・代理業のみを行う者の兼業の範囲、業務管理体制の整備、顧客に対する誠実義務、標識の掲示、名義貸しの禁止、社債の管理の禁止等）、第三十七条第一項第二号（広告等の規制）、第三十七条の二（取引態様の事前明示義務）、第三十七条の三第一項第二号及び第六号並びに第三項（契約締結前の書面の交付）、第三十七条の五（保証金の受領に係る書面の交付）、第三十七条の七（指定紛争解決機関との契約締結義務等）、第三十八条第一号、第二号、第七号及び第八号並びに第三十八条の二（禁止行為）、第三十九条第三項ただし書、第四項、第六項及び第七項（損失補填等の禁止）並びに第四十条の二から第四十条の七まで（最良執行方針等、分別管理が確保されていない場合の売買等の禁止、金銭の流用が行われている場合の募集等の禁止、特定投資家向け有価証券の売買等の制限、特定投資家向け有価証券に関する告知義務、のみ行為の禁止、店頭デリバティブ取引に関する電子情報処理組織の使用義務等）を除く。）（通則）及び第四十五条（第三号及び第四号を除く。）（雑則）の規定は、銀行が行う特定預金等契約（特定預金等（金利、通貨の価格、同法第二条第十四項に規定する金融商品市場における相場その他の指標に係る変動によりその元本について損失が生ずるおそれがある預金又は定期積金等として内閣府令で定めるものをいう。）の受入れを内容とする契約をいう。以下同じ。）の締結について準用する。この場合において、これらの規定中「金融商品取引契約」とあるのは「特定預金等契約」と、「金融商品取引業」とあるのは「特定預金等契約の締結の業務」と、これらの規定（同法第三十四条の規定を除く。）中「金融商品取引行為」とあるのは「特定預金等契約の締結」と、同法第三十四条中「顧客を相手方とし、又は顧客のために金融商品取引行為（第二条第八項各号に掲げる行為をいう。以下同じ。）を行うことを内容とする契約」とあるのは「銀行法第十三条の四に規定する特定預金等契約」と、同法第三十七条の三第一項中「交付しなければならない」とあるのは「交付するほか、預金者等（銀行法第二条第五項に規定する預金者等をいう。以下この項において同じ。）の保護に資するため、内閣府令で定めるところにより、当該特定預金等契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない」と、同法第三十九条第一項第一号中「有価証券の売買その他の取引（買戻価格があらかじめ定められている買戻条件付売買その他の政令で定める取引を除く。）又はデリバティブ取引（以下この条において「有価証券売買取引等」という。）」とあるのは「特定預金等契約の締結」と、「有価証券又はデリバティブ取引（以下この条において「有価証券等」という。）」とあるのは「特定預金等契約」と、「顧客（信託会社等（信託会社又は金融機関の信託業務の兼営等に関する法律第一条第一項の認可を受けた金融機関をいう。以下同じ。）が、信託契約に基づいて信託をする者の計算において、有価証券の売買又はデリバティブ取引を行う場合にあつては、当該信託をする者を含む。以下この条において同じ。）」とあるのは「顧客」と、「補足するため」とあるのは「補足するため、当該特定預金等契約によらないで」と、同項第二号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため」とあるのは「追加するため、当該特定預金等契約によらないで」と、同項第三号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため、」とあるのは「追加するため、当該特定預金等契約によらないで」と、同条第二項中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、同条第三項中「原因となるものとして内閣府令で定めるもの」とあるのは「原因となるもの」と、同法第四十五条第二号中「第三十七条の二から第三十七条の六まで、第四十条の二第四項及び第四十三条の四」とあるのは「第三十七条の三（第一項の書面の交付に係る部分に限り、同項第二号及び第六号並びに第三項を除く。）、第三十七条の四及び第三十七条の六」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

Article 13-4The provisions of Chapter III, Section 1, Subsection 5 of the Financial Instruments and Exchange Act (excluding Article 34-2, paragraphs (6) through (8) (Cases in Which a Professional Investor Is Deemed to Be a Customer Other Than a Professional Investor) and Article 34-3, paragraphs (5) and (6) (When a Customer Other than a Professional Investor Is a Corporation and That Corporation Is Deemed to Be a Professional Investor)) (Professional Investors); Section 2, Subsection 1 of that Chapter (excluding Articles 35 through 36-4 (Scope of Services for Persons Engaged in Type-I Financial Instruments Business or Investment Management Business; Scope of Concurrent Business by Persons Only Engage in Type-II Financial Instruments Business or Investment Advisory and Agency Business; Establishment of an Operational Control System; Duty of Sincerity to Customers, Posting Signs, Prohibition on Lending One's Name, and Prohibition on Corporate Bond Management), Article 37, paragraph (1), item (ii) (Regulation of Advertising); Article 37-2 (Obligation to Clarify the Conditions of Transactions in Advance); Article 37-3, paragraph (1), items (ii) and (vi) and paragraph (3) (Delivery of Documents Prior to the Conclusion of a Contract); Article 37-5 (Delivery of Documents in Connection with the Receipt of a Security Deposit); Article 37-7 (Obligation to Conclude a Contract with a Designated Dispute Resolution Organization); Article 38, items (i), (ii), (vii) and (viii), Article 38-2 (Prohibited Actions); the proviso to Article 39, paragraph (3), and paragraphs (4), (6) and (7) of that Article (Prohibition on Compensation of Loss); Articles 40-2 through 40-7 (excluding Best Execution Policy; Prohibition of Purchase and Sale If Separate Management Is Not Ensured; Prohibition of Public Offering If Money Has Been Diverted; Restrictions on the Purchase and Sale of Securities for Professional Investors, Obligation to Notify in Connection with Securities for Professional Investors, Prohibition of Trading Against Self, Obligation to Use an Electronic Data Processing System for Over-the-Counter Transactions of Derivatives)) (General Rules); and provisions of Article 45 (excluding items (iii) and (iv)) (Miscellaneous Provisions) of the Financial Instruments and Exchange Act apply mutatis mutandis to a bank's conclusion of a contract for specified deposit, etc. (meaning a contract for the acceptance of specified deposits, etc. (meaning those that are specified by Cabinet Office Order as deposits or installment savings, etc. that carry the risk of a loss of the principal due to fluctuations in the money rate, value of currencies, quotations on a financial instruments market as defined in Article 2, paragraph (14) of that Act, or any other index); the same applies hereinafter). In such a case, the term "financial instruments transaction contract" in these provisions is deemed to be replaced with "contract for specified deposit, etc."; the term "financial instruments business" in these provisions is deemed to be replaced with "services involved in entering into a contract for specified deposit, etc."; the phrase "act that constitutes a financial instruments transaction" in these provisions (excluding the provisions of Article 34 of that Act) is deemed to be replaced with "conclusion of a contract for specified deposit, etc."; the phrase "contract for the financial instruments business operator, etc. to perform an act that constitutes a financial instruments transaction (meaning an act set forth in the items of Article 2, paragraph (8); the same applies hereinafter) with the customer as the other party or on behalf of the customer" in Article 34 of that Act is deemed to be replaced with "contract for specified deposit, etc. prescribed in Article 13-4 of the Banking Act"; the term "must be delivered" in Article 37-3, paragraph (1) of that Act is deemed to be replaced with "in addition to the delivery, in order to contribute to the protection of depositors, etc. (meaning depositors, etc. as defined in Article 2, paragraph (5) of the Banking Act; hereinafter the same applies in this paragraph), must provide the customer with information on the content of the contract for specified deposit, etc. and other information that is to serve as a reference to the depositors, etc. pursuant to the provisions of Cabinet Office Order"; the phrase in Article 39, paragraph (1), item (i) of that Act, "a purchase and sale or other transaction of securities (excluding a purchase and sale with a repurchase requirement and a predetermined repurchase price, and other transactions specified by Cabinet Order) or a derivatives transaction (hereinafter referred to as a "purchase and sale or other transaction of securities, etc." in this Article)" is deemed to be replaced with "the entry into a contract for specified deposit, etc.", the phrase "securities or derivatives transaction (hereinafter referred to as 'securities, etc.' in this Article)" is deemed to be replaced with "contract for specified deposit, etc.", the phrase "customer (if a trust company, etc. (meaning a trust company or a financial institution that has obtained the authorization referred to in Article 1, paragraph (1) of the Act on Engagement in Trust Business Activities by Financial Institutions; the same applies hereinafter) conducts the purchase and sale of securities or a derivatives transaction on the account of a person that establishes a trust based on a trust contract, this includes the person that establishes the trust; hereinafter the same applies in this Article)" is deemed to be replaced with "customer", and the phrase "to supplement its profits" is deemed to be replaced with "to supplement its profits, other than as under the contract for specified deposit, etc."; in Article 39, paragraph (1), item (ii) of that Act, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the phrase "in order to add to the profit" is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., other than as under the specified deposit, etc. contract"; in item (iii) of that paragraph, the term "purchase and sale or other transactions of securities, etc." is deemed to be replaced with "the entry into a contract for specified deposit, etc.", in paragraph (2) of that Article, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc."; in paragraph (2) of that Article, the phrase "which is specified by Cabinet Office Order as a potential cause of" is deemed to be replaced with "which is a potential cause of"; in Article 45, item (ii) of that Act the phrase "Articles 37-2 through 37-6; Article 40-2, paragraph (4); and Article 43-4" is deemed to be replaced with "Article 37-3 (limited to the part related to delivery of a document set forth in paragraph (1) and excluding items (ii) and (vi) of that paragraph and paragraph (3)); Article 37-4; and Article 37-6"; and any other necessary technical replacement of terms is specified by Cabinet Order.

第十四条銀行の取締役又は執行役が当該銀行から受ける信用の供与については、その条件が、当該銀行の信用の供与の通常の条件に照らして、当該銀行に不利益を与えるものであつてはならない。

Article 14(1)A bank must not grant credit to the director or executive officer of the bank under terms and conditions that are disadvantageous to the bank in light of the normal terms and conditions under which the bank grants credit.

２銀行の取締役又は執行役が当該銀行から信用の供与を受ける場合における会社法第三百六十五条第一項（競業及び取締役会設置会社との取引等の制限）の規定により読み替えて適用する同法第三百五十六条第一項（競業及び利益相反取引の制限）の規定及び同法第四百十九条第二項（執行役の監査委員に対する報告義務等）において準用する同法第三百五十六条第一項の規定による取締役会の承認に対する同法第三百六十九条第一項（取締役会の決議）の規定の適用については、同項中「その過半数（これを上回る割合を定款で定めた場合にあっては、その割合以上）」とあるのは、「その三分の二（これを上回る割合を定款で定めた場合にあっては、その割合）以上に当たる多数」とする。

(2)In applying the provisions of Article 369, paragraph (1) (Resolution of Board of Directors Meetings) of the Companies Act to the approval by the board of directors under Article 356, paragraph (1) (Restrictions on Competition and Conflicting Interest Transactions) of that Act as applied following the deemed replacement of the terms pursuant to Article 365, paragraph (1) (Restrictions on Competition and Transactions with Companies with Board of Directors) of that Act and to the approval by the board of directors under Article 356, paragraph (1) of that Act as applied mutates mutandis pursuant to Article 419, paragraph (2) (Executive Officer's Duty to Report to Audit Committee Members) of that Act when a bank director or executive officer is granted credit by that bank, the term "the majority (when a higher percentage is specified in the articles of incorporation, percentage higher than that percentage)" in that paragraph is deemed to be replaced with "at least a two-thirds majority (when a higher percentage is specified in the articles of incorporation, that percentage)".

第十四条の二内閣総理大臣は、銀行の業務の健全な運営に資するため、銀行がその経営の健全性を判断するための基準として次に掲げる基準その他の基準を定めることができる。

Article 14-2In order to contribute to the sound management of a bank's services, the Prime Minister may establish the following criteria and other criteria as the criteria for a bank to use in determining the soundness of its management:

第十五条銀行の休日は、日曜日その他政令で定める日に限る。

Article 15(1)A bank's non-business days are limited to Sundays and other days specified by Cabinet Order.

２銀行の営業時間は、金融取引の状況等を勘案して内閣府令で定める。

(2)A bank's business hours are specified by Cabinet Office Order in consideration of the status of financial transactions, etc.

第十六条銀行は、内閣府令で定める場合を除き、天災その他のやむを得ない理由によりその営業所において臨時にその業務の全部又は一部を休止するときは、直ちにその旨を、理由を付して内閣総理大臣に届け出るとともに、公告し、かつ、内閣府令で定めるところにより、当該営業所の店頭に掲示しなければならない。銀行が臨時にその業務の全部又は一部を休止した営業所においてその業務の全部又は一部を再開するときも、同様とする。

Article 16(1)Except in cases specified by Cabinet Office Order, if a bank temporarily suspends all or part of services at its business office due to a natural disaster or any other compelling reasons, it must immediately file a notification with the Prime Minister of that fact with the reasons attached, as well as issue public notice of that fact and post the fact at that business office, pursuant to the provisions of Cabinet Office Order. The same applies if a bank resumes all or part of its services at a business office where it has temporarily suspended all or part of its services.

２前項の規定にかかわらず、銀行の無人の営業所において臨時にその業務の全部又は一部を休止する場合その他の内閣府令で定める場合については、同項の規定による公告は、することを要しない。

(2)Notwithstanding the provisions of the preceding paragraph, the public notice pursuant to the provisions of that paragraph is not required if a bank temporarily suspends all or part of its services at an unmanned business office, and in any other case specified by Cabinet Office Order.

３第一項の規定にかかわらず、銀行の無人の営業所において臨時にその業務の一部を休止する場合その他の内閣府令で定める場合については、同項の規定による店頭の掲示は、することを要しない。

(3)Notwithstanding the provisions of paragraph (1), the posting at the business office pursuant to the provisions of that paragraph is not required if a bank temporarily suspends part of its services at an unmanned business office or in any other case specified by Cabinet Office Order.

第十六条の二銀行は、次に掲げる会社（以下この条及び次条第一項において「子会社対象会社」という。）以外の会社を子会社としてはならない。

Article 16-2(1)A bank must not have a company other than the following companies (hereinafter referred to as a "company eligible to be a subsidiary company" in this Article and paragraph (1) of the following Article) as its subsidiary company:

２前項において、次の各号に掲げる用語の意義は、当該各号に定めるところによる。

(2)The meaning of the terms set forth in the following items as used in the preceding paragraph are as prescribed respectively in those items:

３第一項の規定は、子会社対象会社以外の国内の会社が、銀行又はその子会社の担保権の実行による株式等の取得、銀行又はその子会社による同項第十二号から第十四号までに掲げる会社の株式等の取得その他の内閣府令で定める事由により当該銀行の子会社となる場合には、適用しない。ただし、当該銀行は、その子会社となつた会社が当該事由（当該銀行又はその子会社による同項第十二号から第十四号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。）の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。

(3)The provisions of paragraph (1) do not apply if a domestic company other than a company eligible to be a subsidiary company becomes a subsidiary company of a bank through the acquisition of shares or equity by the bank or its subsidiary company due to the enforcement of a security right, through the acquisition of shares or equity in a company set forth in items (xii) through (xiv) of that paragraph by the bank or its subsidiary company, or due to other grounds specified by Cabinet Office Order;provided, however, that the bank must take measures that is required to be taken so that the company that has become its subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding the grounds of acquisition of shares or equity in a company set forth in items (xii) through (xiv) of that paragraph by the bank or its subsidiary company or any other grounds specified by Cabinet Office Order) arose.

４銀行は、第一項第一号から第十一号まで又は第十五号から第十七号までに掲げる会社（従属業務（第二項第一号に規定する従属業務をいう。）又は銀行業に付随し、若しくは関連する業務として内閣府令で定めるものを専ら営む会社を除く。以下この条、第十六条の四第四項第一号、第五十三条第一項第三号及び第六十五条第六号において「子会社対象銀行等」という。）を子会社としようとするとき（第一項第十五号に掲げる会社（内閣府令で定める会社を除く。）にあつては、当該銀行又はその子会社が、合算してその基準議決権数を超える議決権を取得し、又は保有しようとするとき）は、第三十条第一項から第三項まで又は金融機関の合併及び転換に関する法律（昭和四十三年法律第八十六号）第五条第一項（認可）の規定により合併、会社分割又は事業の譲受けの認可を受ける場合を除き、あらかじめ、内閣総理大臣の認可を受けなければならない。

(4)Unless a bank obtains authorization for a merger, company split, or business acquisition pursuant to the provisions of Article 30, paragraphs (1) through (3) of this Act or Article 5, paragraph (1) (Authorization) of the Act on Financial Institutions' Merger and Conversion (Act No. 86 of 1968), the bank must obtain the authorization by the Prime Minister in advance, when seeking to make a company set forth in paragraph (1), items (i) through (xi) or items (xv) through (xvii) (other than a company that exclusively engages in dependent services (meaning dependent services as defined in paragraph (2), item (i)) or services specified by Cabinet Office Order as being incidental or related exclusively to banking; such a company is referred to as a "bank, etc. eligible to be a subsidiary company" in this Article and Article 16-4, paragraph (4), item (i), Article 53, paragraph (1), item (iii), and Article 65, item (vi)) its subsidiary company (or, in the case of a company set forth in paragraph (1), item (xv) (excluding a company specified by Cabinet Office Order), when the bank or its subsidiary company seeks to acquire or hold voting rights in that company that exceed the maximum threshold for voting rights when the voting rights are combined).

５前項の規定は、子会社対象銀行等が、銀行又はその子会社の担保権の実行による株式等の取得その他の内閣府令で定める事由により当該銀行の子会社（第一項第十五号に掲げる会社（前項に規定する内閣府令で定める会社を除く。）にあつては、当該銀行又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項において同じ。）となる場合には、適用しない。ただし、当該銀行は、その子会社となつた子会社対象銀行等を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象銀行等が当該事由の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。

(5)The provisions of the preceding paragraph do not apply if a bank, etc. eligible to be a subsidiary company becomes the subsidiary company of a bank (for a company set forth in paragraph (1), item (xv) (excluding a company specified by Cabinet Office Order that is prescribed in the preceding paragraph), the company in which the bank or its subsidiary companies hold a number of voting rights that exceed the maximum threshold for voting rights when the voting rights are combined; hereinafter the same applies in this paragraph) through a bank's or its subsidiary company's acquisition of shares or equity due to the enforcement of a security right or any other grounds specified by Cabinet Office Order;provided, however, that unless the bank obtains the authorization by the Prime Minister to continue to have as its subsidiary company the bank, etc. eligible to be a subsidiary company that has become its subsidiary company, the bank must take the measures that is required to be taken so that the bank, etc. eligible to be a subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds arose.

６銀行は、次の各号のいずれかに該当する場合には、第一項の規定にかかわらず、子会社対象会社以外の外国の会社が子会社となつた日から十年を経過する日までの間、当該子会社対象会社以外の外国の会社を子会社とすることができる。

(6)Notwithstanding the provisions of paragraph (1), if a bank falls under any of the following items, the bank may have a foreign company not eligible to be a subsidiary company as its subsidiary company until the last day of the ten-year period that begins on the date on which the foreign company not eligible to be a subsidiary company has become its subsidiary company,:

７第四項の規定は、銀行が、外国特定金融関連業務会社（当該銀行が子会社対象銀行等又は他の外国特定金融関連業務会社を子会社としようとする場合における当該子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としているものを除く。）を子会社としようとするときについて準用する。

(7)The provisions of paragraph (4) apply mutatis mutandis if a bank seeks to make a foreign specified finance-related services company (if the bank seeks to make a bank, etc. eligible to be a subsidiary company or another foreign specified finance-related services company its subsidiary company, excluding a company that the bank, etc. eligible to be a subsidiary company or the other foreign specified finance-related services company actually has as its subsidiary company) its subsidiary company.

８銀行は、第六項各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、第六項の期間を超えて当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。

(8)Notwithstanding the provisions of paragraph (1), in a case falling under any of the items of paragraph (6), if a bank obtains the approval of the Prime Minister, the bank may continue to have a foreign company not eligible to be subsidiary company subject to the approval as its subsidiary company beyond the period referred to in paragraph (6).

９内閣総理大臣は、次の各号のいずれかに該当する場合には、前項の承認をするものとする。

(9)The Prime Minister is to give the approval referred to in the preceding paragraph in the case falling under any of the following items:

１０内閣総理大臣は、銀行につき次の各号のいずれかに該当する場合には、当該銀行の申請により、一年を限り、第六項の期間又はこの項の規定により延長された期間を延長することができる。

(10)If a bank falls under any of the following items, the Prime Minister may extend the period referred to in paragraph (6) or the period extended pursuant to the provisions of this paragraph, for a period not exceeding one year, upon application by the bank:

１１銀行は、現に子会社としている子会社対象外国会社又は外国特定金融関連業務会社が、子会社対象会社以外の外国の会社（外国特定金融関連業務会社を除く。以下この項において同じ。）をその子会社としようとする場合において、内閣総理大臣の認可を受けたときは、第一項の規定にかかわらず、当該認可に係る子会社対象会社以外の外国の会社を子会社とすることができる。

(11)Notwithstanding the provisions of paragraph (1), if a foreign company eligible to be a subsidiary company or a foreign specified finance-related services company which a bank actually has as its subsidiary company seeks to make a foreign company not eligible to be a subsidiary company (excluding a foreign specified finance-related services company; hereinafter the same applies in this paragraph) its subsidiary company, and the bank obtains the authorization by the Prime Minister, the bank may make the foreign company not eligible to be a subsidiary company subject to the authorization its subsidiary company.

１２第一項、第六項、第七項及び前項の規定は、子会社対象会社以外の外国の会社が、銀行又はその子会社の担保権の実行による株式等の取得、銀行又はその子会社による第一項第十二号から第十四号までに掲げる会社の株式等の取得その他内閣府令で定める事由により当該銀行の子会社となる場合には、適用しない。ただし、当該銀行は、その子会社となつた子会社対象会社以外の外国の会社（当該銀行の子会社となつた子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としている外国特定金融関連業務会社を除く。）を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象会社以外の外国の会社が当該事由（当該銀行又はその子会社による同項第十二号から第十四号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。）の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。

(12)The provisions of paragraph (1), paragraph (6), paragraph (7) and the preceding paragraph do not apply if a foreign company not eligible to be a subsidiary company becomes a subsidiary company of a bank through a bank's or its subsidiary company's acquisition of shares or equity due to the enforcement of a security right, through a bank's or its subsidiary company's acquisition of shares or equity in a company set forth in paragraph (1), items (xii) through (xiv), or due to any other grounds specified by Cabinet Office Order;provided, however, that unless the bank obtains the authorization by the Prime Minister to continue to have as its subsidiary company the foreign company not eligible to be a subsidiary company that has become its subsidiary company (excluding the bank, etc. eligible to be a subsidiary company that has become the bank's subsidiary company or a foreign specified finance-related services company which another foreign specified finance-related services company actually has as its subsidiary company), the bank must take measures that is required to be taken so that the foreign company not eligible to be a subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding a bank's or its subsidiary company's acquisition of shares or equity in a company set forth in items (xii) through (xiv) of that paragraph or any other grounds specified by Cabinet Office Order) arose.

１３第四項の規定は、銀行が、現に子会社としている第一項各号に掲げる会社を当該各号のうち他の号に掲げる会社（子会社対象銀行等に限る。）に該当する子会社としようとするとき及び現に子会社としている同項第十五号に掲げる会社（その業務により当該銀行又は当該同号に掲げる会社の業務に係る顧客の利益が不当に害される著しいおそれがあると認められないことその他の要件を満たす会社として内閣府令で定める会社に限る。）を同号に掲げる会社（当該内閣府令で定める会社を除く。）に該当する子会社としようとするときについて準用する。

(13)The provisions of paragraph (4) apply mutatis mutandis if the bank seeks to make a company set forth in one of the items of paragraph (1) which it actually has as its subsidiary company a subsidiary company that falls under a company set forth in other items of that paragraph (limited to a bank, etc. eligible to be a subsidiary company), or if the bank seeks to make a company set forth in item (xv) of that paragraph (limited to a company specified by Cabinet Office Order as one whose services are found not to have a serious risk of unjustly impairing the interests of the customers in relation to the services of the bank or the company set forth in item (xv) of that paragraph and as one that satisfies other requirements) which it actually has as a subsidiary company its subsidiary company that falls under a company referred to in that item (excluding the company specified by Cabinet Office Order).

１４銀行は、次の各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。

(14)Notwithstanding the provisions of paragraph (1), in the case falling under any of the following items, if a bank obtains the approval of the Prime Minister, the bank may continue to have the foreign company not eligible to be subsidiary company subject to the approval as its subsidiary company:

１５第九項の規定は、前項の承認について準用する。

(15)The provisions of paragraph (9) apply mutatis mutandis to the approval referred to in the preceding paragraph.

１６銀行は、当該銀行又はその子会社が合算してその基準議決権数を超える議決権を保有している子会社対象会社（当該銀行の子会社及び第一項第十五号に掲げる会社（内閣府令で定める会社を除く。以下この項において同じ。）を除く。）について、同号に掲げる会社となつたことその他内閣府令で定める事実を知つたときは、引き続きその基準議決権数を超える議決権を保有することについて内閣総理大臣の認可を受けた場合を除き、これを知つた日から一年を経過する日までに当該同号に掲げる会社が当該銀行又はその子会社が合算してその基準議決権数を超える議決権を保有する会社でなくなるよう、所要の措置を講じなければならない。

(16)If a bank comes to know that a company eligible to be a subsidiary company in which the bank or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined (other than a subsidiary company of that bank or a company set forth in paragraph (1), item (xv) (excluding a company specified by Cabinet Office Order; hereinafter the same applies in this paragraph)) has become a company set forth in that item and any other facts specified by Cabinet Office Order, the bank must take the measures required to be taken so that the company set forth in that item will no longer be a company in which the bank or its subsidiary companies hold a number of voting rights which exceeds the maximum threshold for voting rights held by the last day of the one-year period that begins on the date on which the bank has come to know that fact when the voting rights are combined, unless the bank obtains the authorization by the Prime Minister to continue to hold voting rights exceeding the maximum threshold for voting rights.

第十六条の三銀行（子会社対象会社又は外国特定金融関連業務会社を子会社としているものであつて、他の銀行又は銀行持株会社の子会社でないものに限る。）は、当該銀行の属する銀行グループ（銀行及びその子会社の集団をいう。次項において同じ。）の経営管理を行わなければならない。

Article 16-3(1)A bank (limited to one that has a company eligible to be a subsidiary company or a foreign specified finance-related services company as its subsidiary company and that is not a subsidiary company of any other bank or bank holding company) must perform business management of the bank group (meaning a group consisting of that bank and its subsidiary companies; the same applies in the following paragraph) to which it belongs.

２前項の「経営管理」とは、次に掲げるものをいう。

(2)The term "business management" as used in the preceding paragraph means the following actions:

第十六条の四銀行又はその子会社は、国内の会社（第十六条の二第一項第一号から第六号まで、第十一号、第十三号、第十五号及び第十六号に掲げる会社（同項第十三に掲げる会社にあつては、特別事業再生会社を除く。）、特例持株会社（当該銀行が子会社としているものに限る。）並びに特例対象会社を除く。次項から第六項までにおいて同じ。）の議決権については、合算して、その基準議決権数（国内の会社の総株主等の議決権に百分の五を乗じて得た議決権の数をいう。以下この条及び第六十五条第六号において同じ。）を超える議決権を取得し、又は保有してはならない。

Article 16-4(1)It is prohibited for a bank or its subsidiary company to acquire or hold voting rights in a domestic company (other than a company set forth in Article 16-2, paragraph (1), items (i) through (vi), item (xi), item (xiii), item (xv), and item (xvi) (for the company set forth in item (xiii) of that paragraph, excluding a company under special business revitalization process), a special holding company (limited to one which the bank has as its subsidiary company) and a company subject to special provisions; hereinafter the same applies in the following paragraph through paragraph (6)) that cause their voting rights to exceed the maximum threshold for voting rights when the voting rights are combined (meaning the number of voting rights that accounts for five percent of the total shareholder or investor voting rights in the domestic company; the same applies in this Article and Article 65, item (vi)).

２前項の規定は、銀行又はその子会社が、担保権の実行による株式等の取得その他の内閣府令で定める事由により、国内の会社の議決権をその基準議決権数を超えて取得し、又は保有することとなる場合には、適用しない。ただし、当該銀行又はその子会社は、合算してその基準議決権数を超えて取得し、又は保有することとなつた部分の議決権については、当該銀行があらかじめ内閣総理大臣の承認を受けた場合を除き、その取得し、又は保有することとなつた日から一年を超えてこれを保有してはならない。

(2)The provisions of the preceding paragraph do not apply if a bank or its subsidiary companies come to acquire or hold voting rights in a domestic company in excess of the maximum threshold for voting rights through their acquisition of shares or equity due to the enforcement of a security right or any other cause specified by Cabinet Office Order;provided, however, that unless the bank obtains the approval of the Prime Minister in advance, it is prohibited for the bank or its subsidiary companies to continue to hold the part of the voting rights that they have come to acquire or hold in excess of the maximum threshold for voting rights when the voting rights are combined, after one year has passed since the day on which they came to acquire or hold those voting rights.

３前項ただし書の場合において、内閣総理大臣がする同項の承認の対象には、銀行又はその子会社が国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて取得し、又は保有することとなつた議決権のうち当該百分の五十を超える部分の議決権は含まれないものとし、内閣総理大臣が当該承認をするときは、銀行又はその子会社が合算してその基準議決権数を超えて取得し、又は保有することとなつた議決権のうちその基準議決権数を超える部分の議決権を速やかに処分することを条件としなければならない。

(3)In the case referred to in the proviso to the preceding paragraph, a part of voting rights in a domestic company that a bank or its subsidiary companies have come to acquire or hold more than fifty percent of the total shareholder or investor voting rights in that company when the voting rights are combined is to be treated as not being subject to the approval referred to in the preceding paragraph that the Prime Minister gives; and if the Prime Minister gives the approval referred to in the preceding paragraph, this must be made on condition that the bank or its subsidiary companies promptly dispose the part of the voting rights that they have come to acquire or hold that exceed the maximum threshold for voting rights when combined.

４銀行又はその子会社は、次の各号に掲げる場合には、第一項の規定にかかわらず、当該各号に定める日に保有することとなる国内の会社の議決権がその基準議決権数を超える場合であつても、同日以後、当該議決権をその基準議決権数を超えて保有することができる。ただし、内閣総理大臣は、銀行又はその子会社が、次の各号に掲げる場合に国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて保有することとなるときは、当該各号に規定する認可（第四号に該当する場合には、免許。次項において同じ。）をしてはならない。

(4)Notwithstanding the provisions of paragraph (1), in the case set forth in one of the following items, even if the voting rights in a domestic company that a bank or its subsidiary companies are to hold on the day prescribed in the relevant item exceed the maximum threshold for voting rights, the bank or its subsidiary companies may hold those voting rights in excess of the maximum threshold for voting rights, from that day forward;provided, however, that the Prime Minister must not grant the authorization provided for in the following items (or the license, in the case falling under item (vi); the same applies in the following paragraph) if, in the case set forth in those items, the bank or its subsidiary companies come to hold more than fifty percent of the total shareholder or investor voting rights in a domestic company when the voting rights are combined:

５内閣総理大臣は、前項各号に規定する認可をするときは、当該各号に定める日に銀行又はその子会社が合算してその基準議決権数を超えて保有することとなる国内の会社の議決権のうちその基準議決権数を超える部分の議決権を、同日から五年を経過する日までに内閣総理大臣が定める基準に従つて処分することを条件としなければならない。

(5)When granting the authorization provided for in the items of the preceding paragraph, the Prime Minister must grant the authorization on condition that the bank or its subsidiary company dispose of the part of the voting rights in the domestic company that it is to hold on the day specified in the relevant item which exceeds the maximum threshold for voting rights when the voting rights are combined, in accordance with the criteria specified by the Prime Minister, by the last day of the five-year period that begins on that day.

６銀行又はその子会社が、国内の会社の議決権を合算してその基準議決権数を超えて保有することとなつた場合には、その超える部分の議決権は、当該銀行が取得し、又は保有するものとみなす。

(6)If a bank or its subsidiary companies come to hold a number of voting rights in a domestic company that exceeds the maximum threshold for voting rights when the voting rights are combined, the bank is deemed to be the one that has acquired or that holds the part of the voting rights that is in excess.

７前各項の場合において、第十六条の二第一項第十二号に掲げる会社、特別事業再生会社又は同項第十四号に掲げる会社の議決権の取得又は保有については、特定子会社は、銀行の子会社に該当しないものとみなす。

(7)In the case referred to in one of the preceding paragraphs, a specified subsidiary company is deemed not to fall under the subsidiary company of a bank with respect to the acquisition or holding of voting rights in a company set forth in Article 16-2, paragraph (1), item (xii), a company under special business revitalization process, or a company set forth in item (xiv) of that paragraph.

８第一項の「特例対象会社」とは、地域の活性化に資すると認められる事業活動を行う会社として内閣府令で定める会社（第十六条の二第一項第十四号に掲げる会社に該当しないものであつて、当該銀行又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。）及び同条第一項第十二号から第十四号までに掲げる会社（当該銀行の子会社であるものに限る。）と内閣府令で定める特殊の関係のある会社をいう。

(8)The term "company subject to special provisions" as used in paragraph (1) means a company specified by Cabinet Office Order as a company engaged in business activities that is found to contribute to regional development (only when the company that does not fall under the company set forth in Article 16-2, paragraph (1), item (xiv) and the number of voting rights in that company that are held by the bank or its subsidiary companies other than specified subsidiary companies does not exceed the maximum threshold for voting rights when the voting rights are combined) and a company that has a unique relationship specified by Cabinet Office Order with the company set forth in paragraph (1), items (xii) through (xiv) of that Article (limited to a company that is a subsidiary company of the bank).

９第二条第十一項の規定は、前各項の場合において銀行又はその子会社が取得し、又は保有する議決権について準用する。

(9)The provisions of Article 2, paragraph (11) apply mutatis mutandis to voting rights that a bank or its subsidiary company acquires or holds in the case referred to in the preceding paragraphs.

第十七条銀行の事業年度は、四月一日から翌年三月三十一日までとする。

Article 17The business year of a bank is from April 1 to March 31 of the following year.

第十八条銀行は、剰余金の配当をする場合には、会社法第四百四十五条第四項（資本金の額及び準備金の額）の規定にかかわらず、内閣府令で定めるところにより、当該剰余金の配当により減少する剰余金の額に五分の一を乗じて得た額を資本準備金又は利益準備金として計上しなければならない。

Article 18Notwithstanding the provisions of Article 445, paragraph (4) (Amount of Stated Capital and Amount of Reserves) of the Companies Act, if a bank pays the dividend of surplus, it must allocate an amount arrived at when the amount of surplus to be reduced as a result of the payment of those dividends of surplus is multiplied by one-fifth as the capital reserves or retained earnings reserves, pursuant to the provisions of Cabinet Office Order.

第十九条銀行は、事業年度ごとに、業務及び財産の状況を記載した当該事業年度の中間事業年度（当該事業年度の四月一日から九月三十日までの期間をいう。以下同じ。）に係る中間業務報告書及び当該事業年度に係る業務報告書を作成し、内閣総理大臣に提出しなければならない。

Article 19(1)Each business year, a bank must prepare an interim business report for the interim period of the business year (meaning the period from April 1 to September 30 of the business year; the same applies hereinafter) that is a part of the relevant business year which states the status of business and property, and a business report for the entire business year, and submit those reports to the Prime Minister.

２銀行が子会社等を有する場合には、当該銀行は、事業年度ごとに、前項の報告書のほか、当該銀行及び当該子会社等の業務及び財産の状況を連結して記載した当該事業年度の中間事業年度に係る中間業務報告書及び当該事業年度に係る業務報告書を作成し、内閣総理大臣に提出しなければならない。

(2)If a bank has a subsidiary company, etc., each business year, in addition to the reports referred to in the preceding paragraph, the bank must prepare an interim business report for the interim period of the business year that is a part of the relevant business year which states the status of business and property of that bank and its subsidiary companies, etc. on a consolidated basis, and a business report for the entire business year which states the status of business and property on a consolidated basis, and submit those reports to the Prime Minister.

３前二項の報告書の記載事項、提出期日その他これらの報告書に関し必要な事項は、内閣府令で定める。

(3)The particulars to be stated in the reports referred to in the preceding two paragraphs, the due dates for submission, and other necessary particulars concerning those reports is specified by Cabinet Office Order.

第二十条銀行は、事業年度ごとに、内閣府令で定めるところにより、当該事業年度の中間事業年度に係る貸借対照表及び損益計算書（以下この条において「中間貸借対照表等」という。）並びに当該事業年度に係る貸借対照表及び損益計算書（以下この条において「貸借対照表等」という。）を作成しなければならない。

Article 20(1)Each business year, a bank must prepare a balance sheet and a profit and loss statement for the interim period of the business year that is a part of the relevant business year (hereinafter referred to as an "interim balance sheet, etc." in this Article) and a balance sheet and a profit and loss statement for the entire business year (hereinafter referred to as a "balance sheet, etc." in this Article), pursuant to the provisions of Cabinet Office Order.

２銀行が子会社等を有する場合には、当該銀行は、事業年度ごとに、中間貸借対照表等及び貸借対照表等のほか、内閣府令で定めるところにより、当該銀行及び当該子会社等につき連結して記載した当該事業年度の中間事業年度に係る貸借対照表及び損益計算書（以下この条において「中間連結貸借対照表等」という。）並びに当該事業年度に係る貸借対照表及び損益計算書（以下この条において「連結貸借対照表等」という。）を作成しなければならない。

(2)If a bank has a subsidiary company, etc., each business year, in addition to an interim balance sheet, etc. and a balance sheet, etc., the bank must prepare a balance sheet and a profit and loss statement for the interim period of the business year that is a part of the relevant business year in which entries for the bank and its subsidiary companies, etc. are made on a consolidated basis (hereinafter referred to as an "interim consolidated balance sheet, etc." in this Article), and prepare a balance sheet and a profit and loss statement for the entire business year in which it entries for the bank and its subsidiary companies, etc. are made on a consolidated basis (hereinafter referred to as a "consolidated balance sheet, etc." in this Article), pursuant to the provisions of Cabinet Office Order.

３中間貸借対照表等、貸借対照表等、中間連結貸借対照表等及び連結貸借対照表等は、電磁的記録（電子的方式、磁気的方式その他人の知覚によつては認識することができない方式で作られる記録であつて、電子計算機による情報処理の用に供されるものとして内閣府令で定めるものをいう。以下同じ。）をもつて作成することができる。

(3)An interim balance sheet, etc., a balance sheet, etc., an interim consolidated balance sheet, etc., or a consolidated balance sheet, etc. may be prepared as an electronic or magnetic record (meaning a record prepared in an electronic form, magnetic form, or any other form that cannot be perceived by the human senses, which is specified by Cabinet Office Order as being used for information processing by computers; the same applies hereinafter).

４銀行は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間貸借対照表等及び中間連結貸借対照表等を、その事業年度経過後三月以内に貸借対照表等及び連結貸借対照表等を公告しなければならない。ただし、やむを得ない理由により当該三月以内にこれらの書類の公告をすることができない場合には、内閣総理大臣の承認を受けて、当該公告を延期することができる。

(4)Pursuant to the provisions of Cabinet Office Order, a bank must issue public notice of its interim balance sheet, etc. and its interim consolidated balance sheet, etc. within three months after the end of the relevant interim period of the business year, and of its balance sheet, etc. and its consolidated balance sheet, etc. within three months after the end of the relevant business year;provided, however, that if it is not possible for a bank to issue public notice of these documents within that three-month period due to compelling reasons, it may postpone the issuance of the public notice, with the approval of the Prime Minister.

５前項の規定にかかわらず、その公告方法（会社法第二条第三十三号（定義）に規定する公告方法をいう。以下同じ。）が第五十七条第一号に掲げる方法である銀行は、内閣府令で定めるところにより、中間貸借対照表等、貸借対照表等、中間連結対照表等及び連結貸借対照表等の要旨を公告することで足りる。この場合においては、同項ただし書の規定を準用する。

(5)Notwithstanding the provisions of the preceding paragraph, it is sufficient for a bank that uses the means of public notice (meaning a means of public notices prescribed in Article 2, item (xxxiii) (Definitions) of the Companies Act; the same applies hereinafter) set forth in Article 57, item (i), to issue public notice of the overview of the interim balance sheet, etc.; the balance sheet, etc.; the interim consolidated balance sheet, etc.; and the consolidated balance sheet, etc. pursuant to the provisions of Cabinet Office Order. In such a case, the provisions of the proviso to the preceding paragraph apply mutatis mutandis.

６前項に規定する銀行は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間貸借対照表等及び中間連結貸借対照表等の内容である情報を、その事業年度経過後三月以内に貸借対照表等及び連結貸借対照表等の内容である情報を、五年間継続して電磁的方法（電子情報処理組織を使用する方法その他の情報通信の技術を利用する方法であつて内閣府令で定めるものをいう。以下同じ。）により不特定多数の者が提供を受けることができる状態に置く措置をとることができる。この場合においては、第四項の規定による公告をしたものとみなす。

(6)Pursuant to the provisions of Cabinet Office Order, a bank that is prescribed in the preceding paragraph may take a measure that uses electronic or magnetic means (meaning a means of using an electronic data processing system or using other information and communications technology that is specified by Cabinet Office Order; the same applies hereinafter) to make the information contained in the interim balance sheet, etc. and the interim consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the relevant interim period of the business year and the information contained in the balance sheet, etc. and the consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the relevant business year, for a continuous period of five years. In such cases, the bank is deemed to have issued the public notice under the provisions of paragraph (4).

７金融商品取引法第二十四条第一項（有価証券報告書の提出）の規定により有価証券報告書を内閣総理大臣に提出しなければならない銀行については、前各項の規定は、適用しない。

(7)The provisions of the preceding paragraphs do not apply to a bank that must submit an annual securities report to the Prime Minister pursuant to the provisions of Article 24, paragraph (1) (Submission of Annual Securities Reports) of the Financial Instruments and Exchange Act.

第二十一条銀行は、事業年度ごとに、業務及び財産の状況に関する事項として内閣府令で定めるものを記載した当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類を作成し、当該銀行の営業所（無人の営業所その他の内閣府令で定める営業所を除く。次項及び第四項において同じ。）に備え置き、公衆の縦覧に供しなければならない。前条第一項の規定により作成した書類についても、同様とする。

Article 21(1)Each business year, a bank must prepare explanatory documents for the interim period of the business year that is a part of the relevant business year which states the particulars specified by Cabinet Office Order as pertinent to the status of its business and property, prepare explanatory documents for the entire business year which states those particulars, keep those documents at its business offices (other than unmanned business offices and other offices specified by Cabinet Office Order; the same applies in the following paragraph and paragraph (4)), and make them available for public inspection. The same applies to the documents prepared pursuant to the provisions of paragraph (1) of the preceding Article.

２銀行が子会社等を有する場合には、当該銀行は、事業年度ごとに、当該銀行及び当該子会社等の業務及び財産の状況に関する事項として内閣府令で定めるものを当該銀行及び当該子会社等につき連結して記載した当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類を作成し、前項前段の規定により作成した書類とともに当該銀行の営業所に備え置き、公衆の縦覧に供しなければならない。前条第一項及び第二項の規定により作成した書類についても、同様とする。

(2)If a bank has a subsidiary company, etc., each business year, the bank must prepare explanatory documents for the interim period of the business year that is a part of the relevant business year which states the particulars specified by Cabinet Office Order as pertinent to the status of business and property of the bank and its subsidiary companies, etc., on a consolidated basis, prepare explanatory documents for the entire business year which states those particulars on a consolidated basis, keep those documents at its business offices together with the documents prepared pursuant to the provisions of the first sentence of the preceding paragraph, and make them available for public inspection. The same applies to the documents prepared pursuant to the provisions of paragraphs (1) and (2) of the preceding Article.

３第一項前段又は前項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類は、電磁的記録をもつて作成することができる。

(3)The explanatory documents for the interim period of the business year and those for the entire business year which are prescribed in the first sentence of paragraph (1) or the first sentence of the preceding paragraph may be prepared as electronic or magnetic records.

４第一項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類が電磁的記録をもつて作成されているときは、銀行の営業所において、当該電磁的記録に記録された情報を電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置として内閣府令で定めるものをとることができる。この場合においては、同項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類を、同項の規定により備え置き、公衆の縦覧に供したものとみなす。

(4)If the explanatory documents for the interim period of the business year and those for the entire business year which are prescribed in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph are prepared as electronic or magnetic records, the bank may take a measure that is specified by Cabinet Office Order as a measure that uses electronic or magnetic means to make the information recorded in an electronic or magnetic record available to many and unspecified persons, at its business offices. In such a case, the bank is deemed to have kept the explanatory documents for the interim period of the business year and those for the entire business year which are provided for in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph and made them available for public inspection, pursuant to the provisions of that paragraph.

５前項の規定は、第二項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類について準用する。

(5)The provisions of the preceding paragraph apply mutatis mutandis to the explanatory documents for the interim period of the business year and those for the entire business year that are prescribed in the first sentence of paragraph (2) and to the documents prescribed in the second sentence of that paragraph.

６前各項に定めるもののほか、第一項又は第二項の書類を公衆の縦覧に供する期間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。

(6)Beyond what is provided for in the provisions of the preceding paragraphs, Cabinet Order prescribes the necessary particulars for the application of those provisions, such as the period of time during which the documents referred to in paragraph (1) or (2) are made available for public inspection.

７銀行は、前各項に規定する事項のほか、預金者その他の顧客が当該銀行及びその子会社等の業務及び財産の状況を知るために参考となるべき事項の開示に努めなければならない。

(7)A bank must endeavor to disclose information that is to serve as a reference for the depositors or other customers to learn the status of business and property of the bank and its subsidiary companies, etc., in addition to the particulars prescribed in the preceding paragraphs.

第二十二条銀行が会社法第四百三十五条第二項（計算書類等の作成及び保存）の規定により作成する事業報告及び附属明細書の記載事項又は記録事項は、内閣府令で定める。

Article 22The particulars to be stated or recorded in the business reports and annexed detailed statements which a bank prepares pursuant to the provisions of Article 435, paragraph (2) (Preparation and Retention of Financial Statements) of the Companies Act, are specified by Cabinet Office Order.

第二十三条会社法第四百三十三条（会計帳簿の閲覧等の請求）の規定は、銀行の会計帳簿及びこれに関する資料については、適用しない。

Article 23The provisions of Article 433 (Request to Inspect Account Books) of the Companies Act do not apply to the accounting books of a bank or materials related to them.

第二十四条内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、銀行（当該銀行を所属銀行とする銀行代理業者を含む。）に対し、その業務又は財産の状況に関し報告又は資料の提出を求めることができる。

Article 24(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister may ask a bank (including a bank agent that has the bank as its principal bank) to make a report or submit materials on the status of its business or property.

２内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該銀行の子法人等（子会社その他銀行がその経営を支配している法人として内閣府令で定めるものをいう。次項、次条第二項及び第五項並びに第四十七条第二項において同じ。）又は当該銀行から業務の委託を受けた者（その者から委託（二以上の段階にわたる委託を含む。）を受けた者を含み、前項の銀行代理業者を除く。次項並びに次条第二項及び第五項において同じ。）に対し、当該銀行の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。

(2)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister, to the extent necessary, may ask the subsidiary corporation, etc. of the bank (meaning a subsidiary company, or a corporation that is specified by Cabinet Office Order as one whose management is controlled by a bank; the same applies in the following paragraph, paragraphs (2) and (5) of the following Article and Article 47, paragraph (2)) or a person that a bank has entrusted with its services (including a person further entrusted by that entrusted person (including entrustment at two or more degrees of separation from the original entrustment) and excluding a bank agent referred to in the preceding paragraph; the same applies in the following paragraph and paragraphs (2) and (5) of the following Article) to make a report or submit materials that is to serve as a reference on the status of business or property of the bank.

３銀行の子法人等又は当該銀行から業務の委託を受けた者は、正当な理由があるときは、前項の規定による報告又は資料の提出を拒むことができる。

(3)The subsidiary corporation, etc. of a bank or a person that a bank has entrusted with its services may refuse to make a report or submit materials pursuant to the provisions of the preceding paragraph if it has legitimate grounds for doing so.

第二十五条内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該職員に銀行（当該銀行を所属銀行とする銀行代理業者を含む。）の営業所その他の施設に立ち入らせ、その業務若しくは財産の状況に関し質問させ、又は帳簿書類その他の物件を検査させることができる。

Article 25(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister may have relevant officials enter the business office or other facilities of a bank (including a bank agent that has the bank as its principal bank), have those officials ask questions about the status of its business or property, and have them inspect its books, documents, and any other articles.

２内閣総理大臣は、前項の規定による立入り、質問又は検査を行う場合において特に必要があると認めるときは、その必要の限度において、当該職員に銀行の子法人等若しくは当該銀行から業務の委託を受けた者の施設に立ち入らせ、銀行に対する質問若しくは検査に必要な事項に関し質問させ、又は帳簿書類その他の物件を検査させることができる。

(2)If an entry into facilities is to be made, and questioning or inspection is to be conducted pursuant to the provisions of the preceding paragraph and the Prime Minister finds it to be particularly necessary, the Prime Minister may, to the extent necessary, have relevant officials enter the facilities of a subsidiary corporation, etc. of the bank or the facilities of the person that the bank has entrusted with its services, have those officials ask questions about any particulars that are required to be asked in relation to the questioning or inspection of the bank, and have them inspect its books, documents, and any other articles.

３前二項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。

(3)In the cases referred to in the preceding two paragraphs, the relevant officials must carry an identification card, and must present it if a person concerned requests them to do so.

４第一項及び第二項の規定による権限は、犯罪捜査のために認められたものと解してはならない。

(4)The authority under paragraph (1) and paragraph (2) must not be construed as being granted for criminal investigation purposes.

５前条第三項の規定は、第二項の規定による銀行の子法人等又は当該銀行から業務の委託を受けた者に対する質問及び検査について準用する。

(5)The provisions of paragraph (3) of the preceding Article apply mutatis mutandis to the questioning and inspection under the provisions of paragraph (2) of the subsidiary corporation, etc. of a bank or of the person that a bank has entrusted with its services.

第二十六条内閣総理大臣は、銀行の業務若しくは財産又は銀行及びその子会社等の財産の状況に照らして、当該銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該銀行に対し、措置を講ずべき事項及び期限を示して、当該銀行の経営の健全性を確保するための改善計画の提出を求め、若しくは提出された改善計画の変更を命じ、又はその必要の限度において、期限を付して当該銀行の業務の全部若しくは一部の停止を命じ、若しくは当該銀行の財産の供託その他監督上必要な措置を命ずることができる。

Article 26(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services in light of the status of business or property of a bank or the status of property of a bank and its subsidiary companies, etc., the Prime Minister may indicate to the bank the particulars for which the bank is required to take measures and the due date for taking them, ask the bank to submit an improvement plan for ensuring sound bank management, or order the bank to change the improvement plan that has been submitted, or may order the bank to suspend all or part of its services by setting a deadline, order the bank to deposit its assets, or order other measures that are necessary for supervision, to the extent necessary.

２前項の規定による命令（改善計画の提出を求めることを含む。）であつて、銀行又は銀行及びその子会社等の自己資本の充実の状況によつて必要があると認めるときにするものは、内閣府令・財務省令で定める銀行又は銀行及びその子会社等の自己資本の充実の状況に係る区分に応じ、それぞれ内閣府令・財務省令で定めるものでなければならない。

(2)The order under the provisions of the preceding paragraph (including requesting a bank to submit an improvement plan) that is issued when it is found to be necessary in light of the adequacy of equity capital of a bank or that of a bank and its subsidiary companies, etc., must be an order specified by Cabinet Office Order or Ministry of Finance Order in accordance with the category of adequacy of equity capital of a bank or a bank and its subsidiary companies, etc. specified by Cabinet Office Order or Ministry of Finance Order.

第二十七条内閣総理大臣は、銀行が法令、定款若しくは法令に基づく内閣総理大臣の処分に違反したとき又は公益を害する行為をしたときは、当該銀行に対し、その業務の全部若しくは一部の停止若しくは取締役、執行役、会計参与、監査役若しくは会計監査人の解任を命じ、又は第四条第一項の免許を取り消すことができる。

Article 27If a bank violates laws and regulations, its articles of incorporation, or a disposition by the Prime Minister based on laws and regulations, or commits an act that harms the public interest, the Prime Minister may order the bank to suspend all or part of its services or to dismiss its director, executive officer, accounting advisor, company auditor, or accounting auditor, or may revoke the license referred to in Article 4, paragraph (1).

第二十八条内閣総理大臣は、前二条の規定により、銀行に対し、その業務の全部又は一部の停止を命じた場合において、その整理の状況に照らして必要があると認めるときは、第四条第一項の免許を取り消すことができる。

Article 28If the Prime Minister orders a bank to suspend all or part of its services pursuant to the provisions of the preceding two Articles, and finds it to be necessary in light of the circumstances of the suspension of the services, the Prime Minister may revoke the license referred to in Article 4, paragraph (1).

第二十九条内閣総理大臣は、預金者等の保護その他公益のため必要があると認めるときは、その必要の限度において、政令で定めるところにより、銀行に対し、その資産のうち政令で定めるものを国内において保有することを命ずることができる。

Article 29If the Prime Minister finds it to be necessary for protecting depositors, etc. or for public interest, the Prime Minister, to the extent necessary, may order a bank to retain the part of its assets specified by Cabinet Order in Japan, pursuant to the provisions of Cabinet Order.

第三十条銀行を全部又は一部の当事者とする合併（当該合併後存続する会社又は当該合併により設立される会社が銀行であるものに限るものとし、金融機関の合併及び転換に関する法律第三条（合併）の規定による合併に該当するものを除く。以下この章において「合併」という。）は、内閣総理大臣の認可を受けなければ、その効力を生じない。

Article 30(1)A merger in which banks are all or some of the parties (limited to one in which the surviving company or the company incorporated in the merger is a bank, and excluding a merger that falls under the merger pursuant to the provisions of Article 3 (Mergers) of the Act on Financial Institutions' Merger and Conversion; hereinafter referred to as a "merger" in this Chapter) does not become effective without the authorization by the Prime Minister.

２銀行を当事者とする会社分割は、政令で定めるものを除き、内閣総理大臣の認可を受けなければ、その効力を生じない。

(2)Except as specified by Cabinet Order, a company split to which a bank is a party does not become effective without the authorization by the Prime Minister.

３銀行を当事者とする事業の全部又は一部の譲渡又は譲受けは、政令で定めるものを除き、内閣総理大臣の認可を受けなければ、その効力を生じない。

(3)Except as specified by Cabinet Order, a business transfer or acquisition to which a bank is a party and which involves all or part of a business does not become effective without the authorization by the Prime Minister.

４銀行が信用金庫、信用協同組合又は労働金庫（これらの法人をもつて組織する連合会を含む。以下この章において「信用金庫等」という。）から事業の全部又は一部を譲り受ける場合においては、当該信用金庫等を会社とみなして、私的独占の禁止及び公正取引の確保に関する法律（昭和二十二年法律第五十四号）第十六条（事業の譲受け等の制限）及び同条に係る同法の規定を適用する。

(4)If a bank acquires all or part of the business of a Shinkin bank, credit cooperative, or labor bank (including a federation consisting of those corporations; hereinafter referred to as a "Shinkin bank, etc." in this Chapter), the Shinkin bank, etc. is deemed to be a company and the provisions of Article 16 (Restriction on Business Acquisitions) of the Act on Prohibition of Private Monopolization and Maintenance of Fair Trade (Act No. 54 of 1947) and other related provisions of that Act apply.

第三十一条内閣総理大臣は、前条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。

Article 31When an application is filed for the authorization referred to in the preceding Article, the Prime Minister must examine whether the following criteria are met:

第三十二条第三十条第一項の認可を受けて合併により設立される銀行業を営む会社は、当該設立の時に、第四条第一項の内閣総理大臣の免許を受けたものとみなす。

Article 32A company engaged in banking which is incorporated as a result of merger by obtaining the authorization referred to in Article 30, paragraph (1) is deemed to have obtained the license referred to in Article 4, paragraph (1) granted by the Prime Minister at the time of its incorporation.

第三十三条銀行が合併の決議をした場合においては、預金者等その他政令で定める債権者に対する会社法第七百八十九条第二項、第七百九十九条第二項又は第八百十条第二項（債権者の異議）の規定による催告は、することを要しない。

Article 33If a bank passes a resolution for a merger, the bank is not required to make the demand under the provisions of Article 789, paragraph (2), Article 799, paragraph (2), or Article 810, paragraph (2) (Objection by the Creditors) of the Companies Act to depositors, etc. or other creditors specified by Cabinet Order.

第三十三条の二銀行が会社分割の決議をした場合においては、預金者等その他政令で定める債権者に対する会社法第七百八十九条第二項、第七百九十九条第二項又は第八百十条第二項（債権者の異議）の規定による催告は、することを要しない。

Article 33-2(1)If a bank passes a resolution for a company split, the bank is not required to make the demand under the provisions of Article 789, paragraph (2), Article 799, paragraph (2), or Article 810, paragraph (2) (Objection by the Creditors) of the Companies Act to depositors, etc. or other creditors specified by Cabinet Order.

２会社法第七百五十九条第二項及び第三項（株式会社に権利義務を承継させる吸収分割の効力の発生等）、第七百六十一条第二項及び第三項（持分会社に権利義務を承継させる吸収分割の効力の発生等）、第七百六十四条第二項及び第三項（株式会社を設立する新設分割の効力の発生等）並びに第七百六十六条第二項及び第三項（持分会社を設立する新設分割の効力の発生等）の規定は、前項の規定により催告をすることを要しないものとされる預金者等その他政令で定める債権者には、適用しない。

(2)The provisions of Article 759, paragraph (2) and paragraph (3) (Effectuation of an Absorption-Type Company Split Which Causes the Succession of Rights and Obligations by a Stock Company), Article 761, paragraph (2) and paragraph (3) (Effectuation of an Absorption-Type Company Split Which Causes the Succession of Rights and Obligations by a Membership Company), Article 764, paragraph (2) and paragraph (3) (Effectuation of an Incorporation-type Company Split by Which a Stock Company Is Established), and Article 766, paragraph (2) and paragraph (3) (Effectuation of an Incorporation-type Company Split by Which a Membership Company is Established) of the Companies Act do not apply to depositors, etc. or to the creditors specified by Cabinet Order to which the demand for objection is not required to be made pursuant to the provisions of the preceding paragraph.

第三十四条銀行を当事者とする事業の全部の譲渡又は譲受けについて株主総会の決議（会社法第四百六十八条（事業譲渡等の承認を要しない場合）の規定により同法第四百六十七条第一項（事業譲渡等の承認等）の決議によらずに事業の全部の譲受けを行う場合には、取締役会の決議又は執行役の決定）がされたときは、当該銀行は、当該決議又は決定の日から二週間以内に、当該決議又は決定の要旨及び当該事業の全部の譲渡又は譲受けに異議のある債権者は一定の期間内に異議を述べるべき旨を官報に公告し、かつ、預金者等その他政令で定める債権者以外の知れている債権者には、各別にこれを催告しなければならない。

Article 34(1)If a resolution at a shareholders meeting is passed for a business transfer or acquisition to which a bank is party which involves all of a business (or a board of directors' resolution or a decision of the executive officers, if the bank's acquisition of all of the business is to be made without the resolution referred to in Article 467, paragraph (1) (Approval for the Assignment of Business) of the Companies Act pursuant to the provisions of Article 468 (Cases where Approval for the Assignment of Business Is Not Required) of that Act), within two weeks after the day of the resolution or decision, the bank must issue public notice in the Official Gazette that gives an overview of the resolution or the decision and indicate that a creditor who has an objection to the transfer or acquisition of all of the business is required to state the objection within a fixed period of time, and must issue a demand separately to each known creditor other than a depositor, etc. or a creditor specified by Cabinet Order.

２前項の期間は、一月を下つてはならない。

(2)The period referred to in the preceding paragraph must not be less than one month.

３第一項の規定にかかわらず、銀行が、同項の規定による公告を、官報のほか、第五十七条の規定による定款の定めに従い、同条各号に掲げる公告方法によりするときは、同項の各別の催告は、することを要しない。

(3)Notwithstanding the provisions of paragraph (1), if, in addition to issuing public notice referred to in that paragraph in the Official Gazette, a bank issues public notice using a means of public notice set forth in the items of Article 57 in accordance with the provisions of the articles of incorporation pursuant to the provisions of that Article, the bank is not required to issue the separate demands referred to in paragraph (1).

４債権者が第一項の期間内に異議を述べなかつたときは、当該債権者は、当該事業の全部の譲渡又は譲受けについて承認したものとみなす。

(4)If a creditor does not state an objection within the period referred to in paragraph (1), it is deemed that the creditor has accepted the transfer or acquisition of all of the business.

５債権者が第一項の期間内に異議を述べたときは、当該銀行は、弁済し、又は相当の担保を提供し、若しくは当該債権者に弁済を受けさせることを目的として信託会社若しくは信託業務を営む他の金融機関に相当の財産を信託しなければならない。ただし、当該事業の全部の譲渡又は譲受けをしても当該債権者を害するおそれがないときは、この限りでない。

(5)If a creditor states an objection within the period referred to in paragraph (1), the bank must make payment or provide suitable collateral to the creditor, or must deposit suitable property with a trust company or other financial institutions engaging in trust business for the purpose of ensuring that the creditor will receive payment;provided, however, that this does not apply if the transfer or acquisition of all of the business is unlikely to harm the creditor.

第三十五条銀行を当事者とする事業の一部の譲渡又は譲受けについて株主総会若しくは取締役会の決議又は執行役の決定がされたときは、当該銀行は、当該決議又は決定の日から二週間以内に、当該決議又は決定の要旨及び当該事業の一部の譲渡又は譲受けに異議のある債権者は一定の期間内に異議を述べるべき旨を官報に公告することができる。ただし、預金者等その他政令で定める債権者以外の知れている債権者には、各別にこれを催告しなければならない。

Article 35(1)If a resolution at a shareholders meeting or of board of directors has been passed, or a decision of the executive officers has been made for the transfer or acquisition of part of the business to which a bank is party, within two weeks after the day of the resolution or decision, the bank may issue public notice in the Official Gazette that gives an overview of the resolution or the decision and indicate that a creditor who has an objection to the transfer or acquisition of part of the business is required to state the objection within a fixed period of time;provided, however, that the bank must issue a demand separately to each known creditor other than a depositor, etc. or a creditor specified by Cabinet Order.

２前項の期間は、一月を下つてはならない。

(2)The period referred to in the preceding paragraph must not be less than one month.

３前条第三項から第五項までの規定は、第一項の規定によりされた公告及び催告に係る債権者の異議について準用する。

(3)The provisions of paragraphs (3) through (5) of the preceding Article apply mutatis mutandis to the objection by a creditor that is subject to public notice or demand issued pursuant to the provisions of paragraph (1).

第三十六条銀行は、会社分割により事業の全部若しくは一部を承継させ、又は事業の全部若しくは一部を譲渡したときは、遅滞なくその旨を公告しなければならない。

Article 36(1)If a bank has all or part of its business succeeded to in a company split or transfers all or part of its business, the bank must issue public notice of this without delay.

２その公告方法が第五十七条第一号に掲げる方法である銀行が前項の規定による公告をしたときは、当該公告をした銀行の債務者に対して民法第四百六十七条（債権の譲渡の対抗要件）の規定による確定日付のある証書による通知があつたものとみなす。この場合においては、当該公告の日付をもつて確定日付とする。

(2)If a bank whose means of public notice is the means set forth in Article 57, item (i) issues public notice pursuant to the preceding paragraph, notice is deemed to have been given to the creditors of the bank issuing that public notice, through an instrument bearing a fixed date pursuant to the provisions of Article 467 (Requirement of Perfection upon Assignment of Claim) of the Civil Code. In such a case, the date of the public notice is deemed to be the fixed date.

第三十七条次に掲げる事項は、内閣総理大臣の認可を受けなければ、その効力を生じない。

Article 37(1)The following particulars do not become effective without the authorization by the Prime Minister:

２内閣総理大臣は、前項の認可の申請があつたときは、次に掲げる基準のいずれかに適合するかどうかを審査しなければならない。

(2)When an application is filed for the authorization referred to in the preceding paragraph, the Prime Minister must examine whether any of the following criteria is met:

３内閣総理大臣は、第二十六条第一項又は第二十七条の規定による業務の全部又は一部の停止の命令をした銀行から第一項の認可の申請があつた場合においては、当該銀行に対し、同項の認可をしてはならない。これらの命令をすること又は同条の規定により第四条第一項の免許を取り消すことが必要であると認める銀行から第一項の認可の申請があつた場合も、同様とする。

(3)If an application for the authorization referred to in paragraph (1) is filed by a bank that the Prime Minister has ordered to suspend all or part of its services pursuant to the provisions of Article 26, paragraph (1) or Article 27, the Prime Minister must not grant the bank the authorization referred to in paragraph (1). The same applies if an application for the authorization referred to in paragraph (1) is filed by a bank to which the Prime Minister finds it necessary to issue the order or revoke the license under Article 4, paragraph (1) pursuant to the provisions of Article 27.

第三十八条銀行は、前条第一項の認可を受けたときは、内閣府令で定めるところにより、直ちに、その旨及び当該認可を受けた事項の内容を公告するとともに、当該銀行を所属銀行とする銀行代理業者に通知し、かつ、一月を下らない期間、すべての営業所の公衆の目につきやすい場所に掲示しなければならない。

Article 38Upon obtaining the authorization referred to in paragraph (1) of the preceding Article, a bank must immediately issue public notice of this and the content of the particulars which has obtained the authorization, as well as notify bank agents that have that bank as their principal bank to that effect and post a notice to that effect in a place easily seen by the public at all of its business offices for a period of not less than one month, pursuant to the provisions of Cabinet Office Order.

第三十九条銀行は、会社法第四百七十一条第一号及び第二号（解散の事由）の規定にかかわらず、同条第一号又は第二号に掲げる事由によつては、解散しない。

Article 39Notwithstanding the provisions of Article 471, items (i) and (ii) (Grounds for Dissolution) of the Companies Act, a bank is not dissolved due to the grounds set forth in items (i) and (ii) of that Article.

第四十条銀行は、第二十七条又は第二十八条の規定により第四条第一項の内閣総理大臣の免許を取り消されたときは、解散する。

Article 40A bank is dissolved if the license referred to in Article 4, paragraph (1) granted by the Prime Minister has been revoked pursuant to the provisions of Article 27 or Article 28.

第四十一条銀行が次の各号のいずれかに該当するときは、第四条第一項の内閣総理大臣の免許は、効力を失う。

Article 41If a bank falls under one of the following items, the license referred to in Article 4, paragraph (1) granted by the Prime Minister ceases to be effective:

第四十二条銀行が第二十七条若しくは第二十八条の規定により第四条第一項の内閣総理大臣の免許を取り消された場合又は前条の規定により当該免許が効力を失つた場合においては、当該銀行であつた会社は、第三十六条、第三十八条及び第四十六条第一項の規定の適用については、なお銀行とみなす。

Article 42If a bank has become subject to a revocation of the license referred to in Article 4, paragraph (1) granted by the Prime Minister pursuant to the provisions of Article 27 or Article 28, or if that license ceases to be effective pursuant to the provisions of the preceding Article, the company that was formerly that bank is deemed to remain a bank as concerns the application of the provisions of Article 36, Article 38, and Article 46, paragraph (1).

第四十三条銀行が第四十一条第一号の規定に該当して第四条第一項の内閣総理大臣の免許が効力を失つた場合において、当該銀行であつた会社に従前の預金又は定期積金等の債務が残存するときは、政令で定める場合を除き、内閣総理大臣は、当該会社が当該債務を完済する日又は当該免許が効力を失つた日以後十年を経過する日のいずれか早い日まで、当該会社に対し、当該債務の総額を限度として財産の供託を命じ、又は預金者等の保護を図るため当該債務の処理若しくは資産の管理若しくは運用に関し必要な命令をすることができる。

Article 43(1)If a bank falls under the provisions of Article 41, item (i) and the license referred to in Article 4, paragraph (1) granted by the Prime Minister ceases to be effective, and the company that was formerly that bank has outstanding obligations such as deposits or installment savings, etc., unless it is specified by Cabinet Order, the Prime Minister may order the company to deposit its assets limited to the total amount of its obligations, or may issue orders necessary for protecting the depositors, etc. with respect to the processing of their obligations, or the management or investment of their assets, before the day on which the company completes the payment of those obligations or the last day of the ten-year period after that license ceases to be effective, whichever comes first.

２前項の規定は、銀行等以外の会社が合併又は会社分割により銀行の預金又は定期積金等の債務を承継した場合について準用する。

(2)The provisions of the preceding paragraph apply mutatis mutandis when a company other than a bank, etc. succeeds to the outstanding obligations of a bank such as deposits or installment savings, etc., through a merger or company split.

３第二十四条第一項並びに第二十五条第一項、第三項及び第四項の規定は、前二項の規定の適用を受ける会社について準用する。

(3)The provisions of Article 24, paragraph (1) and Article 25, paragraphs (1), (3), and (4) apply mutatis mutandis to a company to which the provisions of the preceding two paragraphs are applicable.

第四十四条銀行が第四条第一項の内閣総理大臣の免許の取消しにより解散した場合には、裁判所は、利害関係人若しくは内閣総理大臣の請求により又は職権をもつて、清算人を選任する。当該清算人の解任についても、同様とする。

Article 44(1)If a bank is dissolved due to the revocation of the license referred to in Article 4, paragraph (1) granted by the Prime Minister, the court appoints a liquidator at the request of an interested party or the Prime Minister, or by its authority. The same applies to the dismissal of the liquidator.

２前項の場合を除くほか、裁判所は、利害関係人若しくは内閣総理大臣の請求により又は職権をもつて、清算人を解任することができる。この場合においては、裁判所は、清算人を選任することができる。

(2)Excluding the case referred to in the preceding paragraph, the court may dismiss a liquidator at the request of an interested party or the Prime Minister, or by its authority. In such a case, the court may appoint a new liquidator.

３次に掲げる者は、清算をする銀行（次項並びに次条第三項、第五項、第七項及び第八項において「清算銀行」という。）の清算人となることができない。

(3)The following persons may not be appointed as the liquidator of a bank to be liquidated (referred to as "bank in liquidation" in the following paragraph and paragraph (3), paragraph (5), paragraph (7), and paragraph (8) of the following Article).

４清算銀行の清算人に対する会社法第四百七十八条第八項（清算人の就任）において準用する同法第三百三十一条第一項第三号（取締役の資格等）の規定の適用については、同号中「この法律」とあるのは、「銀行法、この法律」とする。

(4)In applying the provisions of Article 331, paragraph (1), item (iii) (Qualifications of Directors) of the Companies Act as applied mutatis mutandis pursuant to Article 478, paragraph (8) (Assumption of the Role of Liquidator) of that Act to the liquidator of a bank in liquidation, the term "this Act" in that item is deemed to be replaced with "the Banking Act, this Act".

第四十五条銀行の清算は、裁判所の監督に属する。

Article 45(1)The liquidation of a bank is subject to court supervision.

２銀行の清算の監督は、銀行の本店の所在地を管轄する地方裁判所の管轄に属する。

(2)The supervision of a bank's liquidation falls under the jurisdiction of the district court with jurisdiction over the locality of the bank's head office.

３裁判所は、清算銀行の清算事務及び財産の状況を検査するとともに、当該清算銀行に対し、財産の供託を命じ、その他清算の監督に必要な命令をすることができる。この場合においては、当該検査をさせるため、特別検査人を選任することができる。

(3)The court may inspect the progress of the liquidation process and the status of property of the bank in liquidation, as well as order the bank in liquidation to deposit its property and issue other orders that are necessary for supervising the liquidation. In such a case, the court may appoint a special inspector to conduct the inspection.

４会社法第八百七十一条本文（理由の付記）、第八百七十二条（第一号に係る部分に限る。）（即時抗告）、第八百七十五条（非訟事件手続法の規定の適用除外）及び第八百七十六条（最高裁判所規則）の規定は前項前段の規定による命令について、同法第八百七十四条（第二号に係る部分に限る。）（不服申立ての制限）、第八百七十五条及び第八百七十六条の規定は同項後段の規定による特別検査人の選任について、それぞれ準用する。

(4)The provisions of the main clause of Article 871 (Appending of the Reason), Article 872 (limited to the part related to item (i)) (Immediate Appeal), Article 875 (Exclusion from Application of the Non-Contentious Case Procedures Act), and Article 876 (Rules of the Supreme Court) of the Companies Act apply mutatis mutandis to the order pursuant to the provisions of the first sentence of the preceding paragraph, and the provisions of Article 874 (limited to the part related to item (ii)) (Restriction on Appeals), Article 875, and Article 876 of the Companies Act apply mutatis mutandis to the appointment of a special inspector pursuant to the provisions of the second sentence of the preceding paragraph.

５裁判所は、第三項後段の規定により特別検査人を選任した場合には、清算銀行が当該特別検査人に対して支払う報酬の額を定めることができる。

(5)When the court appoints a special inspector pursuant to the second sentence of paragraph (3), it may determine the amount of remuneration that the bank in liquidation pays to the special inspector.

６会社法第八百七十条第一項（第一号に係る部分に限る。）（陳述の聴取）、第八百七十二条（第四号に係る部分に限る。）（即時抗告）、第八百七十五条（非訟事件手続法の規定の適用除外）及び第八百七十六条（最高裁判所規則）の規定は、前項の報酬の額の決定について準用する。

(6)The provisions of Article 870, paragraph (1) (limited to the part related to item (i)) (Hearing of Statements), Article 872 (limited to the part related to item (iv)) (Immediate Appeal), Article 875 (Exclusion from Application of the Non-Contentious Case Procedures Act), and Article 876 (Rules of the Supreme Court) of the Companies Act apply mutatis mutandis to the determination of the amount of remuneration referred to in the preceding paragraph.

７清算銀行の清算人は、その就任の日から二週間以内に、次に掲げる事項を裁判所に届け出なければならない。

(7)The liquidator of a bank in liquidation must notify the court of the following particulars within two weeks from the day of assuming the position:

８清算銀行の清算人は、会社法第四百九十二条第三項（財産目録等の作成等）の規定により同項に規定する財産目録等について株主総会の承認を受けた場合には、遅滞なく、当該財産目録等（当該財産目録等が電磁的記録をもつて作成されている場合にあつては、当該電磁的記録に記録された事項を記載した書面）を裁判所に提出しなければならない。

(8)Upon obtaining the approval at the shareholders meeting pursuant to Article 492, paragraph (3) (Preparation of Inventory of Property) of the Companies Act for the inventory of property provided for in that paragraph, the liquidator of the bank in liquidation must submit the inventory of property (if the inventory of property is prepared as an electronic or magnetic record, a document stating the particulars recorded in the electronic or magnetic record) to the court without delay.

第四十六条裁判所は、銀行の清算手続、破産手続、再生手続、更生手続又は承認援助手続において、内閣総理大臣に対し、意見を求め、又は検査若しくは調査を依頼することができる。

Article 46(1)In the liquidation proceedings, bankruptcy proceedings, rehabilitation proceedings, reorganization proceedings, or recognition and assistance proceedings for a bank, the court may ask for the opinion of the Prime Minister, or may request the Prime Minister to conduct an inspection or investigation.

２内閣総理大臣は、前項に規定する手続において、必要があると認めるときは、裁判所に対し、意見を述べることができる。

(2)In the proceedings referred to in the preceding paragraph, if the Prime Minister finds it to be necessary, the Prime Minister may state an opinion to the court.

３第二十五条第一項、第三項及び第四項の規定は、第一項の規定により内閣総理大臣が裁判所から検査又は調査の依頼を受けた場合について準用する。

(3)The provisions of Article 25, paragraphs (1), (3), and (4) apply mutatis mutandis when the Prime Minister is requested by the court to conduct an inspection or investigation pursuant to the provisions of paragraph (1).

第四十七条外国銀行が日本において銀行業を営もうとするときは、当該外国銀行は、内閣府令で定めるところにより、当該外国銀行の日本における銀行業の本拠となる一の支店（以下この章において「主たる外国銀行支店」という。）を定めて、第四条第一項の内閣総理大臣の免許を受けなければならない。

Article 47(1)A foreign bank must establish a single branch office that serves as the base of operations of the foreign bank's banking in Japan (hereinafter referred to as the "main foreign bank branch office" in this Chapter) and obtain the license referred to in Article 4, paragraph (1) to be granted by the Prime Minister under Article 4, paragraph (1) pursuant to the provisions of Cabinet Office Order, if the foreign bank seeks to engage in banking in Japan.

２前項の規定により外国銀行が第四条第一項の内閣総理大臣の免許を受けたときは、その主たる外国銀行支店及び当該外国銀行の日本における他の支店その他の営業所（以下この章において「従たる外国銀行支店」という。）（以下この章において「外国銀行支店」と総称する。）を一の銀行とみなし、当該外国銀行の日本における代表者を当該一の銀行とみなされた外国銀行支店の取締役とみなして、この法律の規定を適用する。ただし、第四条の二、第五条、第六条、第七条の二第四項、第八条、第十二条の二第三項、第十三条第二項及び第四項、第十四条第二項、第二章の二、第十七条、第十八条、第十九条第二項、第二十条第二項、第二十一条第二項、第二十二条、第二十三条、第二十四条第二項及び第三項（これらの規定中子法人等に係る部分に限る。）、第二十五条第二項及び第五項（これらの規定中子法人等に係る部分に限る。）、第三十条第一項及び第二項、第三十二条から第三十三条の二まで、第三十六条（会社分割に係る部分に限る。）、第三十七条第一項第二号及び第三号、第三十九条、第四十条、第四十一条第二号（会社分割に係る部分に限る。）及び第三号、第四十三条、第四十四条、第七章の三、第五十三条第一項（第一号、第五号及び第八号を除く。）、第二項、第三項及び第七項、第五十五条第二項及び第三項、第五十六条第五号から第九号まで、第五十七条並びに第五十七条の二第二項の規定を除く。

(2)Once a foreign bank obtains the license referred to in Article 4, paragraph (1) granted by the Prime Minister pursuant to the provisions of the preceding paragraph, the main foreign bank branch office, other branch offices and business offices of that foreign bank in Japan (hereinafter referred to as a "secondary foreign bank branch office" in this Chapter) (hereinafter collectively referred to as "foreign bank branch office" in this Chapter) are deemed to be a single bank, the foreign bank's representative in Japan is deemed to be the director of the foreign bank branch office that is deemed to be a single bank, and the provisions of this Act apply;provided, however, that the provisions of Article 4-2, Article 5, Article 6, Article 7-2, paragraph (4), Article 8, Article 12-2, paragraph (3), Article 13, paragraphs (2) and (4), Article 14, paragraph (2), Chapter II-2, Article 17, Article 18, Article 19, paragraph (2), Article 20, paragraph (2), Article 21, paragraph (2), Article 22, Article 23, Article 24, paragraphs (2) and (3) (limited to the parts of these provisions related to subsidiary corporation, etc.), Article 25, paragraphs (2) and (5) (limited to the parts of these provisions related to subsidiary corporation, etc.), Article 30, paragraphs (1) and (2), Articles 32 through 33-2, Article 36 (limited to the part related to company splits), Article 37, paragraph (1), items (ii) and (iii), Article 39, Article 40, Article 41, item (ii) (limited to the part related to company splits) and item (iii), Article 43, Article 44, Chapter VII-3, Article 53, paragraph (1) (excluding items (i), (v), and (viii)), and paragraphs (2), (3), and (7); Article 55, paragraphs (2) and (3), Article 56, items (v) through (ix), Article 57, and Article 57-2, paragraph (2), are excluded from the application.

３前項の場合において、第十条第二項（第八号の二に係る部分に限る。）及び次章の規定並びにこれらの規定に係る第九章及び第十章の規定の適用については、外国銀行支店に係る外国銀行の主たる営業所及びその外国における支店その他の営業所（以下この項において「外国銀行外国営業所」と総称する。）は、一の外国銀行とみなし、当該外国銀行支店が行う当該外国銀行支店に係る外国銀行の外国銀行外国営業所とその顧客の取引の仲介（外国銀行の業務の代理又は媒介に相当するものとして内閣府令で定めるものに限る。）は、当該一の外国銀行の業務の媒介とみなし、当該取引の仲介に係る外国銀行外国営業所は、当該外国銀行支店が当該一の外国銀行の業務の媒介の委託を受ける旨の契約の相手方とみなす。

(3)In the cases referred to in the preceding paragraph, in applying the provisions of Article 10, paragraph (2) (limited to the part related to item (viii)-2) and the provisions of the following Chapter, and the provisions of Chapters IX and X related to those provisions, the main business office of the foreign bank with which a foreign bank branch office is affiliated, and its branch offices and other business offices in the foreign country (hereinafter collectively referred to as a "business office in the home country of a foreign bank") are deemed to be a single foreign bank; the foreign bank branch office's intermediation of transactions between the business offices in the home country of the foreign bank with which the foreign bank branch office is affiliated and its customer (limited to acting as the intermediary or agent specified by Cabinet Office Order as equivalent to acting as the intermediary or agent for the services of a foreign bank) is deemed to be intermediation of the services of the single foreign bank; and the business offices in the home country which are involved in the foreign bank branch office's intermediation of the transactions are deemed to be the other party to a contract indicating that the foreign bank branch office is entrusted with acting as an intermediary for the services of that single foreign bank.

４外国銀行に対する第四条第一項の内閣総理大臣の免許に係る特例、外国銀行支店に対しこの法律の規定を適用する場合における技術的読替えその他外国銀行支店に対するこの法律の規定の適用に関し必要な事項は、政令で定める。

(4)The special provisions for a foreign bank on the license referred to in Article 4, paragraph (1) granted by the Prime Minister, the technical replacement of terms when the provisions of this Act are applied to a foreign bank branch office, and any other particulars necessary in applying the provisions of this Act to a foreign bank branch office, are specified by Cabinet Order.

第四十七条の二外国銀行支店は、常時、政令で定めるところにより、十億円を下回らない範囲内において政令で定める額以上の資本金に対応する資産を国内において保有していなければならない。

Article 47-2Pursuant to the provisions of Cabinet Order, a foreign bank branch office must retain the assets corresponding to its stated capital in Japan at all times, for the amount exceeding the amount specified by Cabinet Order within the scope of not less than one billion yen.

第四十七条の三外国銀行支店は、従たる外国銀行支店の設置、種類の変更又は廃止をしようとするときは、内閣府令で定める場合を除き、内閣府令で定めるところにより、内閣総理大臣の認可を受けなければならない。

Article 47-3Except in cases specified by Cabinet Office Order, a foreign bank branch office must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order when it seeks to establish a secondary foreign bank branch office, change the type of the branch office, or close the branch office.

第四十七条の四外国銀行支店の事業年度は、四月一日から翌年三月三十一日までの期間又は当該外国銀行支店に係る外国銀行の事業年度の期間と同一の期間（当該期間が一年であるものであつて、当該期間の開始の日が各月の初日であるものに限る。）とする。ただし、事業年度の開始の日を変更する場合における変更前の最後の事業年度については、変更後の最初の事業年度の開始の日の前日までとする。

Article 47-4The business year of a foreign bank branch office is from April 1 to March 31 of the following year, or is the same period as that of the business year of the foreign bank with which the foreign bank branch office is affiliated (limited to a business year with a period of one year, which commences on the first day of a month);provided, however, that in changing the first day of the business year, the last business year before the change runs up until the day before the first day of the first business year after the change.

第四十八条内閣総理大臣は、外国銀行支店の業務の健全かつ適切な運営を確保するため必要があると認めるときは、外国銀行支店（当該外国銀行支店を所属銀行とする銀行代理業者を含む。）に対し、外国銀行支店に係る外国銀行（当該外国銀行と政令で定める特殊の関係のある者を含む。）の業務又は財産の状況に関する報告又は資料の提出を求めることができる。

Article 48When the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of the services of a foreign bank branch office, the Prime Minister may request a foreign bank branch office (including a bank agent that has that foreign bank branch office as its principal bank) to make a report or submit materials on the status of business or property of the foreign bank with which the foreign bank branch office is affiliated (including a person that has a unique relationship specified by Cabinet Order with that foreign bank).

第四十九条外国銀行支店は、当該外国銀行支店に係る外国銀行が次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。

Article 49(1)If the foreign bank with which a foreign bank branch office is affiliated falls under one of the following items, the branch office must file a notification to that effect with the Prime Minister, pursuant to the provisions of Cabinet Office Order:

２外国銀行支店は、次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。

(2)If a foreign bank branch office falls under one of the following items, it must file a notification to that effect with the Prime Minister, pursuant to the provisions of Cabinet Office Order:

第四十九条の二外国銀行支店は、公告方法として、次に掲げる方法のいずれかを定めなければならない。

Article 49-2(1)A foreign bank branch must establish one of the following means as its means of public notice:

２会社法第九百四十条第三項（電子公告の公告期間等）、第九百四十一条（電子公告調査）、第九百四十六条（調査の義務等）、第九百四十七条（電子公告調査を行うことができない場合）、第九百五十一条第二項（財務諸表等の備置き及び閲覧等）、第九百五十三条（改善命令）及び第九百五十五条（調査記録簿等の記載等）の規定は、外国銀行支店が電子公告によりこの法律又は他の法律の規定による公告（会社法の規定による公告を除く。）をする場合について準用する。この場合において、同法第九百四十条第三項中「前二項」とあるのは「銀行法第四十七条第二項の規定により外国銀行支店を一の銀行とみなして適用する同法第五十七条の二第一項」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

(2)The provisions of Article 940, paragraph (3) (Public Notice Period of Electronic Public Notice), Article 941 (Electronic Public Notice Investigation), Article 946 (Obligation of Investigation), Article 947 (Cases Where an Electronic Public Notice Investigation is Unable to be Carried Out), Article 951, paragraph (2) (Keeping and Inspection of Financial Statements), Article 953 (Order for Improvement), and Article 955 (Statements in an Investigation Record Book) of the Companies Act apply mutatis mutandis when a foreign bank branch office issues public notice pursuant to the provisions of this Act or any other laws (other than a public notice pursuant to the provisions of the Companies Act) by an electronic public notice. In such a case, the term "preceding two paragraphs" in Article 940, paragraph (3) of that Act is deemed to be replaced with "Article 57-2, paragraph (1) of the Banking Act as applied when the foreign bank branch office is deemed to be a single bank pursuant to the provisions of Article 47, paragraph (2) of that Act", and any other necessary technical replacement of terms is specified by Cabinet Order.

第五十条第四十九条第一項第三号から第六号までのいずれかに該当して同項の規定による届出（同項第三号に係る届出にあつては当該合併後当該外国銀行支店に係る外国銀行が消滅することとなる合併、当該外国銀行支店に係る事業の全部を承継させることとなる会社分割及び事業の全部の譲渡に係る届出に限るものとし、同項第四号に係る届出にあつては銀行業の一部の廃止に係る届出を除く。）があつたときは、当該届出をした外国銀行支店に係る外国銀行に対する第四条第一項の内閣総理大臣の免許は、効力を失う。

Article 50When a foreign bank branch office files a notification under Article 49, paragraph (1) due to the fact that it falls under one of the cases of Article 49, paragraph (1), items (iii) through (vi) (for a notification under item (iii) of that paragraph, limited to a notification concerning a merger that results in the foreign bank with which the foreign bank branch office is affiliated disappearing, a company split that results in all of the business of the foreign bank branch office being succeeded to, or the transfer of all business, and for a notification under item (iv) of that paragraph, excluding a notification concerning partial discontinuation of banking), the license referred to in Article 4, paragraph (1) granted by the Prime Minister for the foreign bank with which the foreign bank branch office that files the notification is affiliated ceases to be effective.

第五十一条外国銀行支店は、次の各号のいずれかに該当するときは、日本にある財産の全部について清算をしなければならない。

Article 51(1)If a foreign bank branch office falls under one of the following items, it must liquidate all of its property in Japan:

２前項の規定により外国銀行支店が清算をする場合には、裁判所は、利害関係人若しくは内閣総理大臣の請求により又は職権をもつて、清算人を選任する。当該清算人の解任についても、同様とする。

(2)If a foreign bank branch office is liquidated pursuant to the provisions of the preceding paragraph, the court appoints a liquidator at the request of an interested party or the Prime Minister, or by its authority. The same applies to the dismissal of that liquidator.

３会社法第四百七十六条（清算株式会社の能力）、第二編第九章第一節第二款（清算株式会社の機関）、第四百九十二条（財産目録等の作成等）、同節第四款（債務の弁済等）、第五百八条（帳簿資料の保存）、同章第二節（第五百十条、第五百十一条及び第五百十四条を除く。）（特別清算）、第七編第三章第一節（総則）及び第三節（特別清算の手続に関する特則）並びに第九百三十八条第一項から第五項まで（特別清算に関する裁判による登記の嘱託）の規定は、その性質上許されないものを除き、第一項の規定による日本にある外国銀行支店の財産についての清算について準用する。

(3)The provisions of Article 476 (Capacity of Liquidating Stock Companies), Part II, Chapter IX, Section 1, Subsection 2 (Structures for Liquidating Stock Companies), Article 492 (Preparation of Inventory of Property), Subsection 4 of that Section (Performance of Obligations), Article 508 (Retention of Accounting Materials), Section 2 of that Chapter (excluding Article 510, Article 511, and Article 514) (Special Liquidations), Part VII, Chapter III, Section 1 (General Provisions) and Section 3 (Special Provisions on the Procedures of Special Liquidation), and Article 938, paragraphs (1) through (5) (Commissioning of Registration by a Juridical Decision Concerning Special Liquidation) of the Companies Act apply mutatis mutandis to the liquidation of the property of a foreign bank branch office in Japan pursuant to the provisions of paragraph (1), other than property to which those provisions cannot be applied due to its nature.

４第四条第一項の免許を受けた外国銀行については、会社法第八百二十条（日本に住所を有する日本における代表者の退任）の規定は、適用しない。

(4)The provisions of Article 820 (Resignation of Representatives in Japan Whose Addresses are in Japan) of the Companies Act do not apply to a foreign bank that has obtained the license referred to in Article 4, paragraph (1).

５外国銀行支店に対する会社法第八百二十二条第一項（日本にある外国会社の財産についての清算）の規定の適用については、同項中「利害関係人」とあるのは、「利害関係人若しくは内閣総理大臣」とする。

(5)In applying the provisions of Article 822, paragraph (1) (Liquidation of a Foreign Company's Assets in Japan) of the Companies Act to a foreign bank branch office, the term "interested persons" in that paragraph is deemed to be replaced with "an interested person or the Prime Minister".

第五十二条外国銀行（外国銀行が外国銀行支店を設けている場合は、当該外国銀行支店。以下この条において同じ。）は、次に掲げる業務を行うため、日本において駐在員事務所その他の施設を設置しようとする場合（他の目的により設置している事務所その他の施設において当該業務を行おうとする場合を含む。）には、あらかじめ、当該業務の内容、当該業務を行う施設の所在地その他内閣府令で定める事項を内閣総理大臣に届け出なければならない。

Article 52(1)When seeking to establish a representative office or other facilities in Japan in order to engage in the following business (including when seeking to engage in the business at an office or other facilities already established for another purpose), a foreign bank (or, if the foreign bank has established a foreign bank branch office, that foreign bank branch office; hereinafter the same applies in this Article) must file a notification with the Prime Minister with respect to the details of the services, the location of the facility where it will engage in the services, and other particulars specified by Cabinet Office Order, in advance:

２内閣総理大臣は、公益上必要があると認めるときは、外国銀行に対し、前項の施設において行う同項各号に掲げる業務に関し報告又は資料の提出を求めることができる。

(2)If the Prime Minister finds it to be necessary in the public interest, the Prime Minister may ask a foreign bank to make a report or submit materials on the business set forth in the items of the preceding paragraph which will be performed at a facility referred to in that paragraph.

３外国銀行は、その設置した第一項の施設を廃止したとき、当該施設において行う同項各号に掲げる業務を廃止したときその他同項の規定により届け出た事項を変更したときは、遅滞なくその旨を内閣総理大臣に届け出なければならない。

(3)If a foreign bank closes a facility referred to in paragraph (1) which it has established, if it discontinues a business set forth in the items of that paragraph which is performed at that facility, or if it changes any other particulars for which it has filed a notification pursuant to the provisions of that paragraph, the foreign bank must file a notification with the Prime Minister to that effect, without delay.

第五十二条の二銀行は、第十条第二項第八号の二に掲げる業務（次条第二号から第四号までを除き、以下「外国銀行代理業務」という。）を営もうとするときは、当該外国銀行代理業務の委託を受ける旨の契約の相手方である外国銀行（次条第二号から第四号までを除き、以下「所属外国銀行」という。）ごとに、内閣府令で定めるところにより、あらかじめ、内閣総理大臣の認可を受けなければならない。

Article 52-2(1)When seeking to perform services set forth in Article 10, paragraph (2), item (viii)-2 (hereinafter referred to as "foreign bank agency services", except in items (ii) through (iv) of the following Article), a bank must obtain the authorization by the Prime Minister pursuant to the provisions of Cabinet Office Order in advance, for each foreign bank that is the other party to a contract providing that the bank is being entrusted with the foreign bank agency services (the foreign bank is hereinafter referred to as "principal foreign bank", except in items (ii) through (iv) of the following Article).

２前項の規定にかかわらず、銀行は、外国銀行グループ（外国銀行及びその子会社である外国銀行その他の内閣府令で定める者の集団をいう。）ごとに、認可を受けて当該外国銀行グループに属する外国銀行を所属外国銀行とする外国銀行代理業務を営むことができる。

(2)Notwithstanding the provisions of the preceding paragraph, for each foreign bank group (meaning a group consisting of a foreign bank and the foreign bank's subsidiary companies that are foreign banks or of any other persons specified by Cabinet Office Order), a bank may perform foreign bank agency services that has a foreign bank that belongs to that foreign bank group as the principal foreign bank, by obtaining an authorization.

３第一項の規定は、銀行が当該銀行の子会社である外国銀行その他の内閣府令で定める外国銀行を所属外国銀行として外国銀行代理業務を営もうとするときは、適用しない。この場合において、当該銀行は、当該外国銀行代理業務に係る所属外国銀行ごとに、内閣府令で定めるところにより、あらかじめ、内閣総理大臣に届け出なければならない。

(3)The provisions of paragraph (1) do not apply if a bank seeks to perform foreign bank agency services by having its subsidiary company which is a foreign bank or any other foreign bank specified by Cabinet Office Order as its principal foreign bank. In such a case, the bank must file a notification with the Prime Minister, pursuant to the provisions of Cabinet Office Order in advance, for each principal foreign bank that is involved in the relevant foreign bank agency services.

第五十二条の二の二次の各号に掲げる場合には、当該各号に定める業務（第十条第一項第一号又は第三号に掲げる業務に限る。）については、第四条第一項及び第四十七条第一項の規定は、適用しない。

Article 52-2-2The provisions of Article 4, paragraph (1) and Article 47, paragraph (1) do not apply to the cases set forth in any of the following items (limited to services set forth in Article 10, paragraph (1), item (i) or (iii)):

第五十二条の二の三銀行が、第五十二条の二第一項若しくは第二項の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務を営んでいる場合には、当該外国銀行代理業務に係る所属外国銀行が業としてする預り金（出資の受入れ、預り金及び金利等の取締りに関する法律（昭和二十九年法律第百九十五号）第二条第二項（預り金の禁止）に規定する預り金をいう。）であつて当該外国銀行代理業務に係るものについては、同法第二条第一項の規定は、適用しない。

Article 52-2-3If a bank performs foreign bank agency services by obtaining the authorization referred to in Article 52-2, paragraph (1) or (2) or by filing the notification under the provisions of paragraph (3) of that Article, the provisions of Article 2, paragraph (1) (Prohibition on Deposits) of the Act Regulating the Receipt of Contributions, the Receipt of Deposits, and Interest Rates (Act No. 195 of 1954) do not apply to a deposit (meaning a deposit as defined in Article 2, paragraph (2) of that Act) that is made on a regular basis by the principal foreign bank that is involved in the foreign bank agency services which is related to the foreign bank agency services.

第五十二条の二の四銀行が、第五十二条の二第一項若しくは第二項の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務を営んでいる場合には、当該外国銀行代理業務に係る所属外国銀行が業として行う貸付け（貸金業法（昭和五十八年法律第三十二号）第二条第一項（定義）に規定する貸付けをいう。）であつて当該外国銀行代理業務に係るものについては、同法第二条第一項に規定する貸金業に該当しないものとみなす。

Article 52-2-4If a bank performs foreign bank agency services by obtaining the authorization referred to in Article 52-2, paragraph (1) or (2) or by filing the notification under the provisions of paragraph (3) of that Article, a loan (meaning a loan as defined in Article 2, paragraph (1) (Definitions) of the Money Lending Business Act (Act No. 32 of 1983)) related to the foreign bank agency services which is made on a regular basis by the principal foreign bank that is involved in the foreign bank agency services is deemed not to fall under the money lending business as defined in Article 2, paragraph (1) of that Act.

第五十二条の二の五金融商品取引法第三章第一節第五款（第三十四条の二第六項から第八項まで（特定投資家が特定投資家以外の顧客とみなされる場合）並びに第三十四条の三第五項及び第六項（特定投資家以外の顧客である法人が特定投資家とみなされる場合）を除く。）（特定投資家）、同章第二節第一款（第三十五条から第三十六条の四まで（第一種金融商品取引業又は投資運用業を行う者の業務の範囲、第二種金融商品取引業又は投資助言・代理業のみを行う者の兼業の範囲、業務管理体制の整備、顧客に対する誠実義務、標識の掲示、名義貸しの禁止、社債の管理の禁止等）、第三十七条第一項第二号（広告等の規制）、第三十七条の二（取引態様の事前明示義務）、第三十七条の三第一項第二号及び第六号並びに第三項（契約締結前の書面の交付）、第三十七条の五から第三十七条の七まで（保証金の受領に係る書面の交付、書面等による解除、指定紛争解決機関との契約締結義務等）、第三十八条第一号、第二号、第七号及び第八号並びに第三十八条の二（禁止行為）、第三十九条第三項ただし書、第四項、第六項及び第七項（損失補填等の禁止）並びに第四十条の二から第四十条の七まで（最良執行方針等、分別管理が確保されていない場合の売買等の禁止、金銭の流用が行われている場合の募集等の禁止、特定投資家向け有価証券の売買等の制限、特定投資家向け有価証券に関する告知義務、のみ行為の禁止、店頭デリバティブ取引に関する電子情報処理組織の使用義務等）を除く。）（通則）及び第四十五条（第三号及び第四号を除く。）（雑則）の規定は、外国銀行代理銀行（第五十二条の二第一項若しくは第二項の認可を受け、又は同条第三項の規定による届出をして外国銀行代理業務を営んでいる銀行をいう。以下同じ。）が行う外国銀行代理業務に係る特定預金等契約の締結の代理又は媒介について準用する。この場合において、これらの規定中「金融商品取引契約」とあるのは「特定預金等契約」と、「金融商品取引業」とあるのは「特定預金等契約の締結の代理又は媒介の業務」と、「締結の勧誘又は締結」とあるのは「締結の勧誘又は締結の代理若しくは媒介」と、これらの規定（同法第三十四条（特定投資家への告知義務）の規定を除く。）中「金融商品取引行為」とあるのは「特定預金等契約の締結」と、同法第三十四条中「顧客を相手方とし、又は顧客のために金融商品取引行為（第二条第八項各号に掲げる行為をいう。以下同じ。）を行うことを内容とする契約」とあるのは「銀行法第十三条の四に規定する特定預金等契約」と、「を過去に当該特定投資家との間で締結」とあるのは「の締結の代理又は媒介を過去に当該特定投資家との間で」と、「を締結する」とあるのは「の締結の代理又は媒介をする」と、同法第三十四条の二第五項第二号中「締結する」とあるのは「締結の代理又は媒介をする」と、同法第三十四条の三第二項第四号イ中「と対象契約」とあるのは「による代理若しくは媒介により対象契約」と、同条第四項第二号中「締結する」とあるのは「締結の代理又は媒介をする」と、同法第三十七条の三第一項中「を締結しようとするとき」とあるのは「の締結の代理又は媒介を行うとき」と、「交付しなければならない」とあるのは「交付するほか、預金者等（銀行法第二条第五項に規定する預金者等をいう。以下この項において同じ。）の保護に資するため、内閣府令で定めるところにより、当該特定預金等契約の内容その他預金者等に参考となるべき情報の提供を行わなければならない」と、同項第一号中「金融商品取引業者等」とあるのは「外国銀行代理銀行（銀行法第五十二条の二の五に規定する外国銀行代理銀行をいう。）の所属外国銀行（同法第五十二条の二第一項に規定する所属外国銀行をいう。）」と、同法第三十九条第一項第一号中「有価証券の売買その他の取引（買戻価格があらかじめ定められている買戻条件付売買その他の政令で定める取引を除く。）又はデリバティブ取引（以下この条において「有価証券売買取引等」という。）」とあるのは「特定預金等契約の締結」と、「有価証券又はデリバティブ取引（以下この条において「有価証券等」という。）」とあるのは「特定預金等契約」と、「顧客（信託会社等（信託会社又は金融機関の信託業務の兼営等に関する法律第一条第一項の認可を受けた金融機関をいう。以下同じ。）が、信託契約に基づいて信託をする者の計算において、有価証券の売買又はデリバティブ取引を行う場合にあつては、当該信託をする者を含む。以下この条において同じ。）」とあるのは「顧客」と、「補足するため」とあるのは「補足するため、当該特定預金等契約によらないで」と、同項第二号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため」とあるのは「追加するため、当該特定預金等契約によらないで」と、同項第三号中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、「有価証券等」とあるのは「特定預金等契約」と、「追加するため、」とあるのは「追加するため、当該特定預金等契約によらないで」と、同条第二項中「有価証券売買取引等」とあるのは「特定預金等契約の締結」と、同条第三項中「原因となるものとして内閣府令で定めるもの」とあるのは「原因となるもの」と、同法第四十五条第二号中「第三十七条の二から第三十七条の六まで、第四十条の二第四項及び第四十三条の四」とあるのは「第三十七条の三（第一項の書面の交付に係る部分に限り、同項第二号及び第六号並びに第三項を除く。）及び第三十七条の四」と、「締結した」とあるのは「締結の代理若しくは媒介をした」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

Article 52-2-5The provisions of Chapter III, Section 1, Subsection 5 (excluding Article 34-2, paragraphs (6) through (8) (Cases in Which a Professional Investor Is Deemed to Be a Customer Other Than a Professional Investor) and Article 34-3, paragraph (5) and paragraph (6) (When a Customer Other than a Professional Investor Is a Corporation and That Corporation Is Deemed to Be a Professional Investor)) (Professional Investors), Section 2, Subsection 1 of that Chapter (excluding Articles 35 through 36-4 (Scope of Services for Persons Engaged in Type-I Financial Instruments Business or Investment Management Business; Scope of Concurrent Business by Persons Only Engage in Type-II Financial Instruments Business or Investment Advisory and Agency Business; Establishment of an Operational Control System; Duty of Sincerity to Customers; Posting Signs; Prohibition on Name Lending; Prohibition on Corporate Bond Management), Article 37, paragraph (1), item (ii) (Regulation of Advertising), Article 37-2 (Obligation to Clarify the Conditions of Transactions in Advance), Article 37-3, paragraph (1), items (ii) and (vi) and paragraph (3) (Delivery of Documents Prior to the Conclusion of a Contract), Articles 37-5 through 37-7 (Delivery of Documents in Connection with the Receipt of a Security Deposit; Written Cancellation; Obligation to Conclude a Contract with a Designated Dispute Resolution Organization), Article 38, item (i), item (ii), item (vii) and item (viii), and Article 38-2 (Prohibited Actions), the proviso to Article 39, paragraph (3), and paragraph (4), paragraph (6) and paragraph (7) of that Article (Prohibition on Compensation of Loss), and Articles 40-2 through 40-7 (Best Execution Policy; Prohibition of Purchase and Sale If Separate Management Is Not Ensured; Prohibition of Public Offering If Money Has Been Diverted; Restrictions on the Purchase and Sale of Securities for Professional Investors; Obligation to Notify in Connection with Securities for Professional Investors; Prohibition of Trading Against Self; Obligation to Use an Electronic Data Processing System for Over-the-Counter Transactions of Derivatives) (General Rules), and Article 45 (excluding items (iii) and (iv)) (Miscellaneous Provisions) of the Financial Instruments and Exchange Act apply mutatis mutandis to actions as an agent or intermediary for a person's entry into a contract for specified deposit, etc. in connection with foreign bank agency services that a foreign bank's agent bank (meaning a bank that performs foreign bank agency services by obtaining the authorization referred to in Article 52-2, paragraph (1) or (2) or by filing a notification under the provisions of paragraph (3) of that Article; the same applies hereinafter) performs. In such a case, in these provisions, the term "financial instruments transaction contract" is deemed to be replaced with "contract for specified deposit, etc."; the term "financial instruments business" is deemed to be replaced with "services as an agent or intermediary in a person's entry into a contract for specified deposit, etc."; the term "in soliciting... to conclude... or in concluding" is deemed to be replaced with "performs actions as the agent or intermediary in a person's entry into"; the term "act that constitutes a financial instruments transaction" in these provisions (excluding Article 34 of that Act) is deemed to be replaced with "conclusion of a contract for specified deposit, etc."; in Article 34 (Obligation to Notify Professional Investors) of that Act, the term "contract for the financial instruments business operator, etc. to perform an act that constitutes a financial instruments transaction (meaning an act set forth in the items of Article 2, paragraph (8); the same applies hereinafter) with the customer as the other party or on behalf of the customer" is deemed to be replaced with "contract for specified deposit, etc. prescribed in Article 13-4 of the Banking Act", the term "and has in the past concluded a financial instruments transaction contract with that professional investor" is deemed to be replaced with "and has in the past acted as agent or intermediary in a person's conclusion of a contract for specified deposit, etc. with that professional investor", and the term "concluding" is deemed to be replaced with "acting as agent or intermediary in a person's entry into"; in Article 34-2, paragraph (5), item (ii) of that Act, the term "concludes" is deemed to be replaced with "acts as agent or intermediary in a person's entry into"; the term "subject contract with" in Article 34-3, paragraph (2), item (iv), (a) of that Act is deemed to be replaced with "a subject contract through acting as an agent or intermediary for"; the term "concludes" in Article 34-3, paragraph (4), item (ii) is deemed to be replaced with "acts as an agent or intermediary for a person's conclusion of"; in Article 37-3, paragraph (1) of that Act, the term "seeks to conclude" is deemed to be replaced with "acts as agent or intermediary for a person's conclusion of" and the term "it must deliver a document stating the following particulars to the customer in advance" is deemed to be replaced with "in addition to delivering a document stating the following particulars to the customer in advance, it must provide information about the contents of contracts for specified deposit, etc. and other information that is to serve as a reference to the depositors, etc., pursuant to the provisions of Cabinet Office Order, in order to contribute to the protection of depositors, etc. (meaning the depositors, etc. as defined in Article 2, paragraph (5) of the Banking Act; hereinafter the same applies in this paragraph)"; in Article 37-3, paragraph (1), item (i) of that Act, the term "the financial instruments business operator, etc." is deemed to be replaced with "the principal foreign bank (meaning a principal foreign bank as defined in Article 52-2, paragraph (1) of the Banking Act) with which the foreign bank's agent bank (meaning the foreign bank's agent bank as defined in Article 52-2-5 of that Act) is affiliated"; in Article 39, paragraph (1), item (i) of that Act, the term "a purchase and sale or other transaction of securities (excluding a purchase and sale with a repurchase requirement and a predetermined repurchase price, and other transactions specified by Cabinet Order) or a derivatives transaction (hereinafter referred to as a "purchase and sale or other transactions of securities, etc." in this Article)" is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities or derivatives transaction (hereinafter referred to as 'securities, etc.' in this Article)" is deemed to be replaced with "contract for specified deposit, etc.", the term "customer (if a trust company, etc. (meaning a trust company or a financial institution that has obtained the authorization referred to in Article 1, paragraph (1) of the Act on Engagement in Trust Business Activities by Financial Institutions; the same applies hereinafter) conducts the purchase and sale of securities or a derivatives transaction on the account of a person that establishes a trust based on a trust contract, this includes the person that establishes the trust; hereinafter the same applies in this Article)" is deemed to be replaced with "customer", and the term "to supplement its profits" is deemed to be replaced with "to supplement its profits, other than as under the contract for specified deposit, etc. "; in Article 39, paragraph (1), item (ii) of that Act, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the term "in order to add to the profit that the customer has accrued in connection with those securities, etc." is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., other than as under the contract for specified deposit, etc."; in item (iii) of that paragraph, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc.", the term "securities, etc." is deemed to be replaced with "contract for specified deposit, etc." and the term "in order to add to the profit that the customer has accrued in connection with those securities, etc." is deemed to be replaced with "in order to add to the profit that the customer has accrued in connection with those securities, etc., other than as under the contract for specified deposit, etc."; in paragraph (2) of that Article, the term "a purchase and sale or other transaction of securities, etc." is deemed to be replaced with "the conclusion of a contract for specified deposit, etc."; in paragraph (3) of that Article, the term "which is specified by Cabinet Office Order as a potential cause of" is deemed to be replaced with "which is a potential cause of"; in Article 45, item (ii) of that Act, the phrase "Articles 37-2 through 37-6; Article 40-2, paragraph (4); and Article 43-4" is deemed to be replaced with "Article 37-3 (limited to the part that involves the delivery of documents under paragraph (1); excluding the provisions of paragraph (1), item (ii) and item (vi) and paragraph (3)) and Article 37-4" and the term "concluded" is deemed to be replaced with "acted as agent or intermediary for a person's entry into"; and any other necessary technical replacement of terms is specified by Cabinet Order.

第五十二条の二の六外国銀行代理銀行は、内閣府令で定めるところにより、その所属外国銀行及びその所属外国銀行を子会社とする持株会社で外国の法令に準拠して設立された会社（以下この項において「外国銀行持株会社」という。）がその事業年度ごとに作成した書面であつて、当該所属外国銀行又は当該外国銀行持株会社の業務及び財産の状況に関する事項を記載したもの（第二十一条第一項及び第二項並びに第五十二条の二十九第一項に規定する事業年度に係る説明書類又はこれに類するものであつて、日本語又は英語により記載したものに限る。）を、当該所属外国銀行のために外国銀行代理業務を営む国内のすべての営業所（無人の営業所を除く。次項において同じ。）に備え置き、公衆の縦覧に供しなければならない。

Article 52-2-6(1)Pursuant to the provisions of Cabinet Office Order, a foreign bank's agent bank must keep the documents that its principal foreign bank and a company incorporated under foreign laws and regulations as the holding company that has the principal foreign bank as its subsidiary company (hereinafter referred to as a "foreign bank holding company" in this paragraph) prepares each business year that states the particulars of the status of business and property of the principal foreign bank and foreign bank holding company (limited to the explanatory documents for the business year prescribed in Article 21, paragraphs (1) and (2) and Article 52-29, paragraph (1) and documents similar to them which are written in Japanese or English) at all business offices in Japan where the foreign bank's agent bank performs foreign bank agency services for that principal foreign bank (excluding unmanned business offices; the same applies in the following paragraph), and must make them available for public inspection.

２前項に規定する書面が電磁的記録をもつて作成されているときは、外国銀行代理業務を営むすべての営業所において、当該書面の内容である情報を電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置として内閣府令で定めるものをとることができる。この場合においては、同項に規定する書面を、同項の規定により備え置き、公衆の縦覧に供したものとみなす。

(2)If the documents provided for in the preceding paragraph have been prepared as electronic or magnetic records, the foreign bank's agent bank may take a measure that is specified by Cabinet Office Order as a measure that uses electronic or magnetic means to make the information contained in those documents available to many and unspecified persons at all of the business offices where the foreign bank's agent bank provides foreign bank agency services. In such a case, the foreign bank's agent bank is deemed to have kept the documents provided for in the preceding paragraph and made them available for public inspection pursuant to the provisions of that paragraph.

第五十二条の二の七外国銀行代理銀行は、内閣府令で定めるところにより、その所属外国銀行の業務又は財産の状況に関する事項の顧客への説明その他の当該外国銀行代理銀行が営む外国銀行代理業務の健全かつ適切な運営を確保するための措置を講じなければならない。

Article 52-2-7Pursuant to the provisions of Cabinet Office Order, a foreign bank's agent bank must explain to customers the particulars of the status of business and property of its principal foreign bank, and take other measures for ensuring the sound and appropriate management of the foreign bank agency services performed by that foreign bank's agent bank.

第五十二条の二の八内閣総理大臣は、外国銀行代理業務の健全かつ適切な運営を確保するため必要があると認めるときは、外国銀行代理銀行に対し、その所属外国銀行（当該所属外国銀行と政令で定める特殊の関係のある者を含む。）の業務又は財産の状況に関する報告又は資料の提出を求めることができる。

Article 52-2-8If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of foreign bank agency services, the Prime Minister may request a foreign bank's agent bank to make a report or submit materials on the status of business or property of its principal foreign bank (including a person that has a unique relationship specified by Cabinet Order with the principal foreign bank).

第五十二条の二の九外国銀行代理銀行は、その所属外国銀行（外国銀行代理銀行（外国銀行支店に限る。）が営む外国銀行代理業務に係る所属外国銀行（当該外国銀行支店に係る外国銀行に限る。）を除く。）が次の各号のいずれかに該当するときは、内閣府令で定めるところにより、その旨を内閣総理大臣に届け出なければならない。

Article 52-2-9(1)When the principal foreign bank of a foreign bank's agent bank (excluding a principal foreign bank (limited to the foreign bank with which the foreign bank branch is affiliated) related to the foreign bank agency services that the foreign bank's agency bank performs (limited to the services performed by that foreign bank branch)) falls under one of the following items, the foreign bank's agent bank must file a notification to that effect with the Prime Minister pursuant to the provisions of Cabinet Office Order:

２外国銀行代理銀行は、前項（第二号から第六号までに係る部分に限る。）の規定による届出をしたときは、内閣府令で定めるところにより、その届出をした内容を公告するとともに、一月を下らない期間、当該届出に係る所属外国銀行に係る外国銀行代理業務を営む当該外国銀行代理銀行のすべての営業所の公衆の目につきやすい場所に掲示しなければならない。

(2)When a foreign bank's agent bank files a notification under the provisions of the preceding paragraph (limited to the part related to items (ii) through (vi)) it must issue public notice of the content of that notification, as well as post a notice to that effect in a place easily seen by the public at all of the business offices of the foreign bank's agent bank where it performs foreign bank agency services for the principal foreign bank to which the notification pertains for a period of not less than one month, pursuant to the provisions of Cabinet Office Order.

第五十二条の二の十第五十二条の四十、第五十二条の四十一、第五十二条の四十三から第五十二条の四十五（第四号を除く。）まで、第五十二条の四十九及び第五十二条の五十第一項の規定は、銀行代理業者に係るものにあつては外国銀行代理銀行について、所属銀行に係るものにあつては所属外国銀行について、銀行代理業に係るものにあつては外国銀行代理業務について、それぞれ準用する。この場合において、第五十二条の四十五第五号中「所属銀行の業務」とあるのは、「外国銀行代理業務」と読み替えるものとするほか、必要な技術的読替えは、政令で定める。

Article 52-2-10The provisions of Article 52-40, Article 52-41, Articles 52-43 through 52-45 (excluding item (iv)), Article 52-49 and Article 52-50, paragraph (1), apply mutatis mutandis to a foreign bank's agent bank for provisions related to a bank agent, to a principal foreign bank for provisions related to a principal bank, and to a foreign bank agency services for provisions related to foreign bank agency services. In such cases, the term "services of the principal bank" in Article 52-45, item (v) is deemed to be replaced with "foreign bank agency services," and any other necessary technical replacement of terms is specified by Cabinet Order.

第五十二条の二の十一一の銀行の総株主の議決権の百分の五を超える議決権又は一の銀行持株会社の総株主の議決権の百分の五を超える議決権の保有者（国、地方公共団体その他これらに準ずるものとして政令で定める法人（第五十二条の九において「国等」という。）を除く。以下この章及び第九章において「銀行議決権大量保有者」という。）は、内閣府令で定めるところにより、銀行議決権大量保有者となつた日から五日（日曜日その他政令で定める休日の日数は、算入しない。次条第一項において同じ。）以内（保有する議決権の数に増加がない場合その他の内閣府令で定める場合にあつては、内閣府令で定める日以内）に、次に掲げる事項を記載した届出書（以下この章において「銀行議決権保有届出書」という。）を内閣総理大臣に提出しなければならない。

Article 52-2-11(1)A person that holds voting rights that exceed five percent of the total shareholder voting rights in a single bank or voting rights that exceed five percent of the total shareholder voting rights in a single bank holding company (excluding national or local government or a corporation specified by Cabinet Order as equivalent to the national or local government (referred to as the "national government, etc." in Article 52-9); hereinafter referred to as a "major holder of voting rights in a bank" in this Chapter and Chapter IX) must submit a notification that states the following particulars (hereinafter referred to as a "notification on holding of voting rights in a bank" in this Chapter) to the Prime Minister, within five days (Sundays and other non-business days specified by Cabinet Order are not included; the same applies in paragraph (1) of the following Article) from the day on which the person has become the major holder of voting rights in the bank (or within the number of days specified by Cabinet Office Order, if the number of voting rights held by the person has not increased or in other case specified by Cabinet Office Order), pursuant to the provisions of Cabinet Office Order:

２第二条第十一項の規定は、前項の場合において銀行議決権大量保有者が保有する議決権について準用する。

(2)The provisions of Article 2, paragraph (11) apply mutatis mutandis to the voting rights held by the major holder of voting rights in a bank in the case referred to in the preceding paragraph.

第五十二条の三銀行議決権大量保有者は、一の銀行の総株主の議決権の百分の五を超える議決権又は一の銀行持株会社の総株主の議決権の百分の五を超える議決権の保有者となつた日の後に、前条第一項各号に掲げる事項の変更があつた場合（議決権保有割合の変更の場合にあつては、百分の一以上増加し又は減少した場合に限る。）には、内閣府令で定めるところにより、その日から五日以内（保有する議決権の数に増加がない場合その他の内閣府令で定める場合にあつては、内閣府令で定める日以内）に、当該変更に係る報告書（以下この条及び次条において「変更報告書」という。）を内閣総理大臣に提出しなければならない。ただし、議決権保有割合が百分の一以上減少したことによる変更報告書で当該変更報告書に記載された議決権保有割合が百分の五以下であるものを既に提出している場合その他の内閣府令で定める場合については、この限りでない。

Article 52-3(1)If there is a change in a particular set forth in one of the items of paragraph (1) of the preceding Article (for a change in the percentage of voting rights held, limited to when the percentage increases or decreases by at least one percent) after the day on which a person becomes a holder of voting rights that exceeds five percent of the total shareholder voting rights in a single bank or of voting rights that exceeds five percent of the total shareholder voting rights in a single bank holding company, the major holder of voting rights in the bank must submit a written report of that change (hereinafter referred to as a "written report of changes" in this Article and the following Article) to the Prime Minister within five days from the day on which the change occurs (or within the number of days specified by Cabinet Office Order, if the number of voting rights that the person holds has not increased or in other cases specified by Cabinet Office Order), pursuant to the provisions of Cabinet Office Order;provided, however, that this does not apply if the person has already submitted a written report of changes based on a decrease of one percent or more in the percentage of voting rights held, and the percentage of voting rights held which is stated in that written report of changes is five percent or less, or to other cases specified by Cabinet Office Order.

２議決権保有割合が減少したことにより変更報告書を提出する者は、短期間に大量の議決権を譲渡したものとして政令で定める基準に該当する場合においては、内閣府令で定めるところにより、譲渡の相手方及び対価に関する事項についても当該変更報告書に記載しなければならない。

(2)In the case that meets the criteria specified by Cabinet Order as a case in which a large number of voting rights have been transferred within a short time span, a person submitting a written report of changes based on a decrease in the percentage of voting rights held must also state the particulars of the party to which they have transferred the voting rights and the consideration received in that written report of changes, pursuant to the provisions of Cabinet Office Order.

３銀行議決権保有届出書又は変更報告書（以下この節において「提出書類」という。）を提出する日の前日までに、新たに変更報告書を提出しなければならない事由が生じた場合には、当該変更報告書は、第一項本文の規定にかかわらず、提出されていない当該提出書類の提出と同時に内閣総理大臣に提出しなければならない。

(3)Notwithstanding the provisions of the main clause of paragraph (1), if, by the day before the day on which a person is to submit a notification on holding of voting rights in a bank or a written report of changes (hereinafter referred to as a "document for submission" in this Section), grounds that require the person to submit a new written report of changes arise, the person must submit the new written report of changes to the Prime Minister at the same time as it submits the document for submission that has not been submitted.

４提出書類を提出した者は、当該提出書類に記載された内容が事実と相違し、又は記載すべき事項若しくは誤解を生じさせないために必要な事実の記載が不十分であり、若しくは欠けていると認めるときは、訂正報告書を内閣総理大臣に提出しなければならない。

(4)If a person that has submitted a document for submission finds that the content stated in that document differs from facts, or that the document insufficiently states or lacks a particular required to be stated or a statement of a fact necessary for avoiding misunderstanding, the person must submit an amended written report to the Prime Minister.

５第二条第十一項の規定は、第一項及び第二項の場合において銀行議決権大量保有者が保有する議決権について準用する。

(5)The provisions of Article 2, paragraph (11) apply mutatis mutandis to the voting rights held by a major holder of voting rights in a bank for a case referred to in paragraph (1) or paragraph (2).

第五十二条の四銀行、金融商品取引業者（有価証券関連業を営む者に限る。）、信託会社（信託業法第三条又は第五十三条第一項の免許を受けたものに限る。）その他の内閣府令で定める者のうち基準日を内閣総理大臣に届け出た者が保有する議決権で当該議決権に係る株式の発行者である銀行又は銀行持株会社の営業活動を支配することを保有の目的としないもの（議決権保有割合が内閣府令で定める数を超えた場合及び保有の態様その他の事情を勘案して内閣府令で定める場合を除く。以下この条において「特例対象議決権」という。）に係る銀行議決権保有届出書は、第五十二条の二の十一第一項の規定にかかわらず、議決権保有割合が初めて百分の五を超える数となつた基準日における当該議決権の保有状況に関する事項であつて、内閣府令で定めるものを記載したものを、内閣府令で定めるところにより、当該基準日の属する月の翌月十五日までに、内閣総理大臣に提出しなければならない。

Article 52-4(1)Notwithstanding the provisions of Article 52-2-11, paragraph (1), a bank, financial instruments business operator (limited to one engaged in securities-related services), trust company (limited to one that has obtained the license referred to in Article 3 or Article 53, paragraph (1) of the Trust Business Act), or other persons specified by Cabinet Office Order that have filed a notification of the base date with the Prime Minister and that holds voting rights in respect of shares issued by a bank or bank holding company but does not hold them for the purpose of controlling the business of the bank or bank holding company that issued those shares (excluding the case in which the percentage of voting rights held exceeds the number specified by Cabinet Office Order and the case specified by Cabinet Office Order in consideration of the manner in which the voting rights are held and other circumstances; hereinafter referred to as "voting rights subject to special provisions" in this Article) must submit a notification on holding of voting rights in a bank concerning those shares to the Prime Minister, by the 15th of the month following the month in which the base date falls and pursuant to the provisions of Cabinet Office Order, in which it states the particulars specified by Cabinet Office Order as relevant to the holding status of those voting rights on the base date on which its percentage of voting rights held exceeded five percent for the first time.

２特例対象議決権に係る変更報告書（当該議決権が特例対象議決権以外の議決権になる場合の変更に係るものを除く。）は、次の各号に掲げる場合の区分に応じ当該各号に定める日までに、内閣府令で定めるところにより、内閣総理大臣に提出しなければならない。

(2)A written report of changes for the voting rights subject to special provisions (excluding a report for a change in which the voting rights become those other than voting rights subject to special provisions) must be submitted to the Prime Minister by the day specified in the following items in accordance with the category of cases set forth in each item, pursuant to the provisions of Cabinet Office Order:

３前二項の基準日とは、第一項に規定する内閣府令で定める者が内閣府令で定めるところにより内閣総理大臣に届出をした三月ごとの月の末日をいう。

(3)The base date referred to in the preceding two paragraphs means the last day of every third month, after the day on which the person specified by Cabinet Office Order that is prescribed in paragraph (1) files a notification with the Prime Minister pursuant to the provisions of Cabinet Office Order.

４第二条第十一項の規定は、第一項及び第二項の場合において銀行議決権大量保有者が保有する特例対象議決権について準用する。

(4)The provisions of Article 2, paragraph (11) apply mutatis mutandis to the voting rights subject to special provisions held by a major holder of voting rights in a bank in the case referred to in paragraph (1) or paragraph (2).

第五十二条の五内閣総理大臣は、第五十二条の二の十一第一項、第五十二条の三第一項若しくは第三項又は前条第一項若しくは第二項の規定により提出書類の提出を受けた場合において、当該提出書類に形式上の不備があり、又は当該提出書類に記載すべき事項のうち重要なものの記載が不十分であると認めるときは、当該提出書類の提出をした者に対し、訂正報告書の提出を命ずることができる。この場合においては、行政手続法（平成五年法律第八十八号）第十三条第一項（不利益処分をしようとする場合の手続）の規定による意見陳述のための手続の区分にかかわらず、聴聞を行わなければならない。

Article 52-5If a document for submission is submitted pursuant to the provisions of Article 52-2-11, paragraph (1), Article 52-3, paragraph (1) or (3), or paragraph (1) or (2) of the preceding Article, and the Prime Minister finds that there is a formal deficiency in the document or finds the document insufficiently states a material particular that is required to be stated, the Prime Minister may order the person submitting the document to submit an amended written report. In such a case, the Prime Minister must conduct a hearing irrespective of the category of procedures for stating opinions under the provisions of Article 13, paragraph (1) (Procedures Prerequisite for Adverse Dispositions) of the Administrative Procedure Act (Act No. 88 of 1993).

第五十二条の六内閣総理大臣は、提出書類のうちに重要な事項について虚偽の記載があり、又は記載すべき事項のうち重要なもの若しくは誤解を生じさせないために必要な重要な事実の記載が欠けていることを発見したときは、いつでも、当該提出書類の提出をした者に対し、訂正報告書の提出を命ずることができる。この場合においては、行政手続法第十三条第一項（不利益処分をしようとする場合の手続）の規定による意見陳述のための手続の区分にかかわらず、聴聞を行わなければならない。

Article 52-6If the Prime Minister discovers that a document for submission contains a false statement about a material particular, lacks a statement on a material particular that is required to be stated or on an important fact that is necessary for avoiding misunderstanding, the Prime Minister, at any time, may order the person that submitted the document to submit an amended report. In such a case, the Prime Minister must conduct a hearing irrespective of the category of procedures for stating opinions under the provisions of Article 13, paragraph (1) (Procedures Prerequisite for Adverse Dispositions) of the Administrative Procedure Act.

第五十二条の七内閣総理大臣は、提出書類のうちに重要な事項について虚偽の記載があり、又は記載すべき事項のうち重要なもの若しくは誤解を生じさせないために必要な重要な事実の記載が欠けている疑いがあると認めるときは、当該提出書類を提出した銀行議決権大量保有者に対し、当該提出書類に記載すべき事項又は誤解を生じさせないために必要な事実に関し参考となるべき報告又は資料の提出を求めることができる。

Article 52-7If the Prime Minister suspects that a document for submission contains a false statement about a material particular, lacks a statement on a material particular that is required to be stated or on an important fact that is necessary for avoiding misunderstanding, the Prime Minister may ask the major holder of voting rights in the bank that submitted the document to make a report or submit materials that are to serve as a reference for a particular that is required to be stated in the document or for a fact necessary for avoiding misunderstanding.

第五十二条の八内閣総理大臣は、提出書類のうちに重要な事項について虚偽の記載があり、又は記載すべき事項のうち重要なもの若しくは誤解を生じさせないために必要な重要な事実の記載が欠けている疑いがあると認めるときは、当該職員に当該提出書類を提出した銀行議決権大量保有者の事務所その他の施設に立ち入らせ、当該提出書類に記載すべき事項若しくは誤解を生じさせないために必要な事実に関し質問させ、又は当該銀行議決権大量保有者の帳簿書類その他の物件を検査させることができる。

Article 52-8(1)If the Prime suspects that a document contains a false statement about a material particular, lacks a statement on a material particular that is required to be stated or on an important fact that is necessary for avoiding misunderstanding, the Prime Minister may have relevant officials enter the office or other facilities of the major holder of voting rights in the bank that submitted the document, and have those officials ask questions about a particular that is required to be stated in that document or about a fact that is necessary for avoiding misunderstanding, or have them inspect books, documents, and any other articles of the major holder of voting rights in the bank.

２前項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。

(2)In the case referred to in the preceding paragraph, the relevant officials must carry an identification card, and must present it if a person concerned requests them to do so.

３第一項の規定による権限は、犯罪捜査のために認められたものと解してはならない。

(3)The authority under paragraph (1) must not be construed as being granted for criminal investigation purposes.

第五十二条の九次に掲げる取引若しくは行為により一の銀行の主要株主基準値以上の数の議決権の保有者になろうとする者又は銀行の主要株主基準値以上の数の議決権の保有者である会社その他の法人の設立をしようとする者（国等並びに第五十二条の十七第一項に規定する持株会社になろうとする会社、同項に規定する者及び銀行を子会社としようとする銀行持株会社を除く。）は、あらかじめ、内閣総理大臣の認可を受けなければならない。

Article 52-9(1)A person that seeks to become the holder of a number of voting rights in a single bank which is equal to or greater than the major shareholder threshold, or to incorporate a company or other corporations that is the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold (other than the national government, etc., a company that seeks to become a holding company prescribed in Article 52-17, paragraph (1), a person prescribed in that paragraph, and a bank holding company that seeks to make a bank its subsidiary company) through one of the following transactions or actions, must obtain the authorization by the Prime Minister in advance:

２前項各号に掲げる取引又は行為以外の事由により一の銀行の主要株主基準値以上の数の議決権の保有者になつた者（国等並びに銀行持株会社及び第五十二条の十七第二項に規定する特定持株会社を除く。以下この条及び第六十五条において「特定主要株主」という。）は、当該事由の生じた日の属する当該銀行の事業年度の終了の日から一年を経過する日（以下この項及び第四項において「猶予期限日」という。）までに銀行の主要株主基準値以上の数の議決権の保有者でなくなるよう、所要の措置を講じなければならない。ただし、当該特定主要株主が、猶予期限日後も引き続き銀行の主要株主基準値以上の数の議決権の保有者であることについて内閣総理大臣の認可を受けた場合は、この限りでない。

(2)A person that has become the holder of a number of voting rights in a single bank which is equal to or greater than the major shareholder threshold due to grounds other than a transaction or action set forth in the items of the preceding paragraph (other than the national government, etc., a bank holding company, or a specified holding company prescribed in Article 52-17, paragraph (2); hereinafter referred to as a "specified major shareholder" in this Article and Article 65) must take the measures required to be taken so that they will no longer be the holder of a number of voting rights in the bank which is equal to or greater than the major shareholder threshold by the last day of the one-year period that begins on the final day of the business year of the bank that includes the date on which the grounds arose (hereinafter referred to as the "last day of the grace period" in this paragraph and paragraph (4));provided, however, that this does not apply if the specified major shareholder obtains the authorization by the Prime Minister to continue to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold even after the last day of the grace period.

３特定主要株主は、前項の規定による措置により銀行の主要株主基準値以上の数の議決権の保有者でなくなつたときは、遅滞なく、その旨を内閣総理大臣に届け出なければならない。当該措置によることなく銀行の主要株主基準値以上の数の議決権の保有者でなくなつたときも、同様とする。

(3)When a specified major shareholder ceases to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold through taking the measure under the provisions of the preceding paragraph, the shareholder must file a notification to that effect with the Prime Minster, without delay. The same applies if a specified major shareholder ceases to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold without taking that measure.

４内閣総理大臣は、第一項の認可を受けずに同項各号に掲げる取引若しくは行為により銀行の主要株主基準値以上の数の議決権の保有者になつた者若しくは銀行の主要株主基準値以上の数の議決権の保有者として設立された会社その他の法人又は第二項ただし書の認可を受けることなく猶予期限日後も銀行の主要株主基準値以上の数の議決権の保有者である者に対し、当該銀行の主要株主基準値以上の数の議決権の保有者でなくなるよう、所要の措置を講ずることを命ずることができる。

(4)The Prime Minister may order a person that becomes the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold through a transaction or action set forth in one of the items of paragraph (1) without the authorization referred to in that paragraph, a company or other corporation that is incorporated as the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold without the authorization referred to in that paragraph, or a person that remains to be the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold even after the last day of the grace period without obtaining the authorization referred to in the proviso to paragraph (2), to take the measures required to be taken so that they will no longer be the holder of a number of voting rights in the bank which is equal to or greater than the major shareholder threshold.

第五十二条の十内閣総理大臣は、前条第一項又は第二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。

Article 52-10When an application is filed for the authorization referred to in paragraph (1) or the proviso to paragraph (2) of the preceding Article, the Prime Minister must examine whether the following criteria are met:

第五十二条の十一内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該銀行の主要株主基準値以上の数の議決権の保有者である銀行主要株主に対し、当該銀行の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。

Article 52-11If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister, to the extent necessary, may ask a bank's major shareholder that holds a number of voting rights in that bank which is equal to or greater than the major shareholder threshold to make a report or submit materials that are to serve as a reference for the status of business or property of the bank.

第五十二条の十二内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該職員に当該銀行の主要株主基準値以上の数の議決権の保有者である銀行主要株主の事務所その他の施設に立ち入らせ、当該銀行若しくは当該銀行主要株主の業務若しくは財産の状況に関し質問させ、又は当該銀行主要株主の帳簿書類その他の物件を検査させることができる。

Article 52-12(1)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister, to the extent necessary, may have relevant officials enter the office or other facilities of a bank's major shareholder that holds a number of voting rights in that bank which is equal to or greater than the major shareholder threshold, have those officials ask questions about the status of business or property of the bank or the bank's major shareholder, and have them inspect the books, documents, and any other articles of the bank's major shareholder.

２前項の場合において、当該職員は、その身分を示す証明書を携帯し、関係人の請求があつたときは、これを提示しなければならない。

(2)In the case referred to in the preceding paragraph, the relevant officials must carry an identification card, and must present it if a person concerned requests them to do so.

３第一項の規定による権限は、犯罪捜査のために認められたものと解してはならない。

(3)The authority under paragraph (1) must not be construed as being granted for criminal investigation purposes.

第五十二条の十三内閣総理大臣は、銀行主要株主が第五十二条の十各号に掲げる基準（当該銀行主要株主に係る第五十二条の九第一項又は第二項ただし書の認可に第五十四条第一項の規定に基づく条件が付されている場合にあつては、当該条件を含む。）に適合しなくなつたときは、当該銀行主要株主に対し、措置を講ずべき期限を示して、当該基準に適合させるために必要な措置をとるべき旨の命令をすることができる。

Article 52-13If a bank's major shareholder no longer satisfies the criterion set forth in any of the items of Article 52-10 (if conditions based on the provisions of Article 54, paragraph (1) are attached to the authorization referred to in Article 52-9, paragraph (1) or the proviso to Article 52-9, paragraph (2) concerning the bank's major shareholder, including those conditions), the Prime Minister may order the bank's major shareholder to take measures necessary to satisfy that criterion, by indicating a due date for taking those measures.

第五十二条の十四内閣総理大臣は、銀行主要株主（銀行の総株主の議決権の百分の五十を超える議決権の保有者に限る。以下この条において同じ。）の業務又は財産の状況（銀行主要株主が会社その他の法人である場合にあつては、当該銀行主要株主の子会社その他の当該銀行主要株主と内閣府令で定める特殊の関係のある会社の財産の状況を含む。）に照らして、当該銀行の業務の健全かつ適切な運営を確保するため特に必要があると認めるときは、その必要の限度において、当該銀行主要株主に対し、措置を講ずべき事項及び期限を示して、当該銀行の経営の健全性を確保するための改善計画の提出を求め、若しくは提出された改善計画の変更を命じ、又はその必要の限度において監督上必要な措置を命ずることができる。

Article 52-14(1)If the Prime Minister finds it to be particularly necessary for ensuring the sound and appropriate management of a bank's services in light of the status of business or property of the bank's major shareholder (limited to a person that holds more than fifty percent of the total shareholder voting rights in the bank; hereinafter the same applies in this Article) (if the bank's major shareholder is a company or other corporations, this includes the status of property of the subsidiary company of the bank's major shareholder or other companies that has a unique relationship specified by Cabinet Office Order with the bank's major shareholder), the Prime Minister, to the extent necessary, may indicate the measures that is required to be taken and the due date for taking them to the bank's major shareholder and request the shareholder to submit an improvement plan for ensuring soundness in bank management or order the shareholder to change the improvement plan that has been submitted, or may order measures that are necessary for supervision to be taken, to the extent necessary.

２内閣総理大臣は、銀行主要株主に対し前項の規定による命令をした場合において、当該命令に係る措置の実施の状況に照らして必要があると認めるときは、当該銀行主要株主がその総株主の議決権の百分の五十を超える議決権の保有者である銀行に対し、その業務の健全かつ適切な運営を確保するために必要な措置を命ずることができる。

(2)If the Prime Minister issues an order under the preceding paragraph to a bank's major shareholder and finds it to be necessary in light of the implementation status of the measures under that order, the Prime Minister may order the bank in which the bank's major shareholder holds more than fifty percent of the total shareholder voting rights to take the necessary measures for ensuring the sound and appropriate management of the bank's services.

第五十二条の十五内閣総理大臣は、銀行主要株主が法令若しくは法令に基づく内閣総理大臣の処分に違反したとき又は公益を害する行為をしたときは、当該銀行主要株主に対し監督上必要な措置を命じ、又は当該銀行主要株主の第五十二条の九第一項若しくは第二項ただし書の認可を取り消すことができる。この場合において、同条第一項の認可のうち設立に係るものは、当該認可を受けて設立された会社その他の法人である銀行主要株主に対して与えられているものとみなす。

Article 52-15(1)If a bank's major shareholder violates laws and regulations or a disposition by the Prime Minister based on laws and regulations, or commits an act that harms the public interest, the Prime Minister may order the bank's major shareholder to take measures that are necessary for supervision, or may revoke the authorization referred to in Article 52-9, paragraph (1) or the proviso to Article 52-9, paragraph (2) granted to the bank's major shareholder. In such a case, the authorization for incorporation referred to in paragraph (1) of that Article is deemed to have been granted to the bank's major shareholder that is a company or other corporations that have been incorporated by obtaining the authorization.

２銀行主要株主は、前項の規定により第五十二条の九第一項又は第二項ただし書の認可を取り消されたときは、内閣総理大臣が指定する期間内に銀行の主要株主基準値以上の数の議決権の保有者でなくなるよう、所要の措置を講じなければならない。

(2)If the authorization referred to in Article 52-9, paragraph (1) or in the proviso to Article 52-9, paragraph (2) is revoked pursuant to the provisions of the preceding paragraph, a bank's major shareholder must take measures that is required to be taken so that the shareholder will no longer be the holder of a number of voting rights in the bank which is equal to or greater than the major shareholder threshold, within the period designated by the Prime Minister.

第五十二条の十六銀行の主要株主基準値以上の数の議決権の保有者であつて外国人又は外国法人であるもの（以下この条において「外国銀行主要株主」という。）に対しこの法律を適用する場合における特例及び技術的読替えその他外国銀行主要株主に対するこの法律の規定の適用に関し必要な事項は、政令で定める。

Article 52-16The special provisions and technical replacements of terms for applying this Act to the holder of a number of voting rights in a bank which is equal to or greater than the major shareholder threshold when the holder is a foreign national or foreign corporation (hereinafter referred to as a "bank's foreign major shareholder" in this Article), and other necessary matters for the application of the provisions of this Act to a bank's foreign major shareholder are specified by Cabinet Order.

第五十二条の十七次に掲げる取引若しくは行為により銀行を子会社とする持株会社になろうとする会社又は銀行を子会社とする持株会社の設立をしようとする者は、あらかじめ、内閣総理大臣の認可を受けなければならない。

Article 52-17(1)A company that seeks to become a holding company that has a bank as a subsidiary company or to incorporate such a holding company through any of the following transactions or actions, must obtain the authorization by the Prime Minister in advance:

２前項各号に掲げる取引又は行為以外の事由により銀行を子会社とする持株会社になつた会社（以下「特定持株会社」という。）は、当該事由の生じた日の属する事業年度経過後三月以内に、当該会社が銀行を子会社とする持株会社になつた旨その他の内閣府令で定める事項を内閣総理大臣に届け出なければならない。

(2)A company that has become a holding company that has a bank as a subsidiary company due to grounds other than a transaction or action set forth in any of the items of the preceding paragraph (hereinafter referred to as "specified holding company") must file a notification with the Prime Minister indicating that it has become a holding company that has a bank as a subsidiary company and other particulars specified by Cabinet Office Order, within three months after the end of the business year that includes the day on which the grounds arose.

３特定持株会社は、前項の事由の生じた日の属する事業年度の終了の日から一年を経過する日（以下この項及び第五項において「猶予期限日」という。）までに銀行を子会社とする持株会社でなくなるよう、所要の措置を講じなければならない。ただし、当該特定持株会社が、猶予期限日後も引き続き銀行を子会社とする持株会社であることについて内閣総理大臣の認可を受けた場合は、この限りでない。

(3)A specified holding company must take the measures that are required to be taken so that it will no longer be a holding company that has a bank as its subsidiary company by the last day of the one-year period that begins on the final day of the business year that includes the day on which the grounds referred to in the preceding paragraph arose (hereinafter referred to as the "last day of the grace period" in this paragraph and paragraph (5));provided, however, that this does not apply if the specified holding company obtains the authorization by the Prime Minister to continue to be a holding company that has a bank as its subsidiary company even after the last day of the grace period.

４特定持株会社は、前項の規定による措置により銀行を子会社とする持株会社でなくなつたときは、遅滞なく、その旨を内閣総理大臣に届け出なければならない。当該措置によることなく銀行を子会社とする持株会社でなくなつたときも、同様とする。

(4)When a specified holding company ceases to be a holding company that has a bank as its subsidiary company through a measure taken under the provisions of the preceding paragraph, it must file a notification to that effect with the Prime Minster, without delay. The same applies if a specified holding company ceases to be a holding company that has a bank as its subsidiary company without taking the measure.

５内閣総理大臣は、第一項の認可を受けずに同項各号に掲げる取引若しくは行為により銀行を子会社とする持株会社になつた会社若しくは銀行を子会社とする持株会社として設立された会社又は第三項ただし書の認可を受けることなく猶予期限日後も銀行を子会社とする持株会社である会社に対し、銀行を子会社とする持株会社でなくなるよう、所要の措置を講ずることを命ずることができる。

(5)The Prime Minister may order a company that has become a holding company which has a bank as its subsidiary company or a company that is incorporated as a holding company which has a bank as its subsidiary company through a transaction or action set forth in the items of paragraph (1) without obtaining the authorization referred to in that paragraph, or a company that remains to be a holding company which has a bank as its subsidiary company even after the last day of the grace period without obtaining the authorization referred to in the proviso to paragraph (3), to take the measures that is required to be taken so that it will no longer be a holding company that has a bank as its subsidiary company.

第五十二条の十八内閣総理大臣は、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。

Article 52-18(1)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:

２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。

(2)A bank holding company (excluding one established under foreign laws and regulations) must be a stock company that has the following organs:

第五十二条の十九銀行持株会社の常務に従事する取締役（指名委員会等設置会社にあつては、執行役）は、内閣総理大臣の認可を受けた場合を除くほか、他の会社の常務に従事してはならない。

Article 52-19(1)Unless a director (or executive officer, if a bank is a company with nominating committee, etc.) that is engaged in the day-to-day business operations of a bank holding company obtains the authorization by the Prime Minister to do so, it is prohibited for the director to engage in the day-to-day business operations of other companies.

２内閣総理大臣は、前項の認可の申請があつたときは、当該申請に係る事項が当該銀行持株会社の子会社である銀行の業務の健全かつ適切な運営を妨げるおそれがあると認める場合を除き、これを認可しなければならない。

(2)When an application is filed for the authorization referred to in the preceding paragraph, the Prime Minister must grant the authorization unless the Prime Minister finds that the particulars given in the application are likely to interfere with the sound and appropriate management of services at a bank that is the subsidiary company of the bank holding company.

３次に掲げる者は、銀行持株会社の取締役、執行役又は監査役となることができない。

(3)The following persons may not become the director, executive officer, or company auditor of a bank holding company.

４会社法第三百三十一条第二項ただし書（取締役の資格等）（同法第三百三十五条第一項（監査役の資格等）において準用する場合を含む。）、第三百三十二条第二項（取締役の任期）（同法第三百三十四条第一項（会計参与の任期）において準用する場合を含む。）、第三百三十六条第二項（監査役の任期）及び第四百二条第五項ただし書（執行役の選任等）の規定は、銀行持株会社については、適用しない。

(4)The provisions of the proviso to Article 331, paragraph (2) of the Companies Act (Qualifications of Directors) (including as applied mutatis mutandis pursuant to Article 335, paragraph (1) (Qualifications of Company Auditors) of that Act), Article 332, paragraph (2) (Directors' Terms of Office) of that Act (including as applied mutatis mutandis pursuant to Article 334, paragraph (1) (Accounting Advisors' Terms of Office) of that Act), Article 336, paragraph (2) (Company Auditors' Terms of Office) of that Act, and the proviso to Article 402, paragraph (5) (Election of Executive Officers) of that Act do not apply to a bank holding company.

５銀行持株会社は、持分会社の無限責任社員又は業務を執行する社員となることができない。

(5)A bank holding company may not become the member with unlimited liability of a membership company or a member in charge of executing the business of a membership company.

第五十二条の二十第五十二条の十六の規定は、銀行を子会社とする持株会社であつて外国の法令に準拠して設立されたものについて準用する。

Article 52-20The provisions of Article 52-16 apply mutatis mutandis to a holding company incorporated under foreign laws and regulations which has a bank as its subsidiary company.

第五十二条の二十一銀行持株会社（他の銀行又は銀行持株会社の子会社でないものに限る。）は、当該銀行持株会社の属する銀行持株会社グループの経営管理を行わなければならない。

Article 52-21(1)A bank holding company (limited to one that is not a subsidiary company of other banks or bank holding companies) must perform business management of a bank holding company group to which it belongs.

２銀行持株会社は、当該銀行持株会社の属する銀行持株会社グループの経営管理（当該銀行持株会社及びその子会社に係るものに限る。次条第一項において同じ。）及びこれに附帯する業務のほか、他の業務を営むことができない。

(2)A bank holding company may not perform services other than the business management of the bank holding company group to which it belongs (limited to services related to the bank holding company and its subsidiary company; the same applies in paragraph (1) of the following Article) and services incidental to business management.

３銀行持株会社は、その業務を営むに当たつては、その子会社である銀行の業務の健全かつ適切な運営の確保に努めなければならない。

(3)In performing its services, a bank holding company must endeavor to ensure the sound and appropriate management of services at any bank that is its subsidiary company.

４第一項及び第二項の「経営管理」とは、次に掲げるものをいう。

(4)The term "business management" as used in paragraphs (1) and (2) means the following actions:

第五十二条の二十一の二銀行持株会社（当該銀行持株会社の属する銀行持株会社グループの経営管理を行うものに限る。次項において同じ。）は、前条第二項の規定にかかわらず、当該銀行持株会社の銀行持株会社グループに属する二以上の会社（銀行を含む場合に限る。）に共通する業務であつて、当該業務を当該銀行持株会社において行うことが当該銀行持株会社グループの業務の一体的かつ効率的な運営に資するものとして内閣府令で定めるものを、当該二以上の会社に代わつて行うことができる。

Article 52-21-2(1)Notwithstanding the provisions of paragraph (2) of the preceding Article, a bank holding company (limited to one that performs business management of the bank holding company group to which the bank holding company belongs; the same applies in the following paragraph) may perform services on behalf of two or more companies which are common to those companies that belong to the bank holding company group of the bank holding company (limited to cases in which they include a bank) and which are specified by Cabinet Office Order as services that, if performed by the bank holding company, contribute to the uniform and efficient management of the bank holding company group's services.

２銀行持株会社は、前項に規定する内閣府令で定める業務を行おうとするときは、あらかじめ、内閣総理大臣の認可を受けなければならない。ただし、内閣府令で定める軽易な業務については、この限りでない。

(2)When seeking to perform the services specified by Cabinet Office Order in the preceding paragraph, a bank holding company must obtain the authorization by the Prime Minister;provided, however, that this does not apply to minor services specified by Cabinet Office Order.

第五十二条の二十一の三銀行持株会社は、その子会社である銀行、当該銀行持株会社の子会社である銀行を所属銀行とする銀行代理業者又は当該銀行持株会社の親金融機関等若しくは子金融機関等が行う取引に伴い、当該銀行持株会社の子会社である銀行、当該銀行持株会社の子会社である銀行を所属銀行とする銀行代理業者又は当該銀行持株会社の子金融機関等が行う業務（銀行業、銀行代理業その他の内閣府令で定める業務に限る。）に係る顧客の利益が不当に害されることのないよう、内閣府令で定めるところにより、当該業務に関する情報を適正に管理し、かつ、当該業務の実施状況を適切に監視するための体制の整備その他必要な措置を講じなければならない。

Article 52-21-3(1)A bank holding company, pursuant to Cabinet Office Order, must appropriately manage information on the services performed by a bank that is the subsidiary company of the bank holding company, a bank agent that has a bank which is the subsidiary company of the bank holding company as its principal bank, or the bank holding company's parent financial institution, etc. or subsidiary financial institution, etc. (services limited to the banking, bank agency services, and other services specified by Cabinet Office Order); and must develop a system for appropriately supervising the implementation status of those services and take any other necessary measures, involved in the transactions conducted by a bank that is the subsidiary company of the bank holding company, a bank agent that has a bank which is the subsidiary company of the bank holding company as its principal bank, or the bank holding company's subsidiary financial institution, etc., so that the interests of the customers connected with those services are not unjustly impaired.

２前項の「親金融機関等」とは、銀行持株会社の総株主の議決権の過半数を保有している者その他の当該銀行持株会社と密接な関係を有する者として政令で定める者のうち、銀行、金融商品取引業者、保険会社その他政令で定める金融業を行う者をいう。

(2)The term "parent financial institution, etc." as used in the preceding paragraph means a bank, financial instruments business operator, insurance company, or other persons engaged in financial services that are specified by Cabinet Order, which Cabinet Order prescribes as persons holding the majority of the total shareholder voting rights in the bank holding company or as having a close relationship with the bank holding company.

３第一項の「子金融機関等」とは、銀行持株会社が総株主等の議決権の過半数を保有している者その他の当該銀行持株会社と密接な関係を有する者として政令で定める者のうち、銀行（当該銀行持株会社の子会社である銀行を除く。）、金融商品取引業者、保険会社その他政令で定める金融業を行う者をいう。

(3)The term "subsidiary financial institution, etc." as used in paragraph (1) means a bank (other than a bank that is the subsidiary company of the bank holding company), financial instruments business operator, insurance company, or other persons engaged in financial services that are specified by Cabinet Order, which Cabinet Order prescribes as persons holding the majority of the total shareholder or investor voting rights or as having a close relationship with the bank holding company.

第五十二条の二十二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。

Article 52-22(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.

２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。

(2)The provisions of the preceding paragraph do not apply to the following grant of credit and making of contribution:

３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。

(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.

４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。

(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.

５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。

(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.

第五十二条の二十三銀行持株会社は、銀行及び次に掲げる会社（以下この条及び次条第二項において「子会社対象会社」という。）以外の会社を子会社としてはならない。

Article 52-23(1)A bank holding company must not have a company other than a bank or a company that falls under one of the following items (hereinafter referred to as a "company eligible to be a subsidiary company" in this Article and paragraph (2) of the following Article) as its subsidiary company:

２前項の規定は、子会社対象会社以外の国内の会社が、銀行持株会社又はその子会社の担保権の実行による株式等の取得、銀行持株会社又はその子会社による同項第十一号から第十三号までに掲げる会社の株式等の取得その他の内閣府令で定める事由により当該銀行持株会社の子会社となる場合には、適用しない。ただし、当該銀行持株会社は、その子会社となつた会社が当該事由（当該銀行持株会社又はその子会社による同項第十一号から第十三号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。）の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。

(2)The provisions of the preceding paragraph do not apply if a domestic company other than a company eligible to be a subsidiary company becomes the subsidiary company of a bank holding company through acquisition of shares or equity due to enforcement of a security right by a bank holding company or its subsidiary company, through acquisition of shares or equity in a company set forth in items (xi) through (xiii) of that paragraph by a bank holding company or its subsidiary company, or due to any other grounds specified by Cabinet Office Order;provided, however, that the bank holding company must take measures that are required to be taken so that the company that has become its subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding a bank holding company's or its subsidiary company's acquisition of shares or equity in a company set forth in items (xi) through (xiii) of that paragraph or any other cause specified by Cabinet Office Order) arose.

３銀行持株会社は、銀行又は第一項第一号から第十号まで若しくは第十四号から第十六号までに掲げる会社（同項第十号イに掲げる業務又は銀行業に付随し、若しくは関連する業務として内閣府令で定めるものを専ら営む会社を除く。以下この条、第五十二条の二十四第四項第四号、第五十三条第三項第四号及び第六十五条第十七号において「子会社対象銀行等」という。）を子会社としようとするとき（第一項第十四号に掲げる会社（内閣府令で定める会社を除く。）にあつては、当該銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を取得し、又は保有しようとするとき）は、第五十二条の三十五第一項から第三項までの規定により合併、会社分割又は事業の譲受けの認可を受ける場合を除き、あらかじめ、内閣総理大臣の認可を受けなければならない。

(3)Unless a bank holding company obtains authorization for a merger, company split, or business acquisition pursuant to the provisions of Article 52-35, paragraphs (1) through (3), it must obtain the authorization by the Prime Minister in advance, when the bank holding company seeks to make a bank or a company set forth in paragraph (1), items (i) through (x) or items (xiv) through (xvi) (excluding a company that exclusively engages in the services set forth in item (x), sub-item (a) of that paragraph or the services specified by Cabinet Office Order as incidental or related to banking; hereinafter referred to as a "bank, etc. eligible to be a subsidiary company" in this Article, Article 52-24, paragraph (4), item (iv), Article 53, paragraph (3), item (iv), and Article 65, item (xvii)) its subsidiary company (for a company set forth in paragraph (1), item (xiv) (excluding a company specified by Cabinet Office Order), when the bank holding company or its subsidiary company seeks to acquire or hold voting rights in that company that cause the number of voting rights to exceed the maximum threshold for voting rights when the voting rights are combined).

４前項の規定は、子会社対象銀行等が、銀行持株会社又はその子会社の担保権の実行による株式等の取得その他の内閣府令で定める事由により当該銀行持株会社の子会社（第一項第十四号に掲げる会社（前項に規定する内閣府令で定める会社を除く。）にあつては、当該銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項において同じ。）となる場合には、適用しない。ただし、当該銀行持株会社は、その子会社となつた子会社対象銀行等を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象銀行等が当該事由の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。

(4)The provisions of the preceding paragraph do not apply if a bank, etc. eligible to be a subsidiary company becomes the subsidiary company of a bank holding company (for a company set forth in paragraph (1), item (xiv) (excluding a company specified by Cabinet Office Order prescribed in the preceding paragraph), the company in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights combined; hereinafter the same applies in this paragraph) through the acquisition of shares or equity due to the enforcement of a security right by the bank holding company or its subsidiary company or due to other grounds specified by Cabinet Office Order;provided, however, that unless the bank holding company obtains the authorization by the Prime Minister to continue to have the bank, etc. eligible to be a subsidiary company that has become its subsidiary company as its subsidiary company, the bank holding company must take the measures that is required to be taken so that the bank, etc. eligible to be a subsidiary company will no longer be its subsidiary company by the last day of the one-year period that begins on the date on which the ground arose.

５銀行持株会社は、次の各号のいずれかに該当する場合には、第一項の規定にかかわらず、子会社対象会社以外の外国の会社が子会社となつた日から十年を経過する日までの間、当該子会社対象会社以外の外国の会社を子会社とすることができる。

(5)Notwithstanding the provisions of paragraph (1), a bank holding company may have a foreign company not eligible to be a subsidiary company as its subsidiary company until the last day of the ten-year period that begins on the date on which the foreign company not eligible to be a subsidiary company became its subsidiary company if the bank holding company falls under any of the following items:

６第三項の規定は、銀行持株会社が、外国特定金融関連業務会社（当該銀行持株会社が子会社対象銀行等又は他の外国特定金融関連業務会社を子会社としようとする場合における当該子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としているものを除く。）を子会社としようとするときについて準用する。

(6)The provisions of paragraph (3) apply mutatis mutandis if a bank holding company seeks to make a foreign specified finance-related services company (excluding one that a bank, etc. eligible to be a subsidiary company or another foreign specified financial service company actually has as its subsidiary company if the bank holding company seeks to make the bank, etc. eligible to be a subsidiary company or the other foreign specified finance-related services company its subsidiary company) its subsidiary company.

７銀行持株会社は、第五項各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、第五項の期間を超えて当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。

(7)Notwithstanding the provisions of paragraph (1), in the case falling under any of the items of paragraph (5), if a bank holding company obtains the approval of the Prime Minister, the bank holding company may continue to have a foreign company not eligible to be subsidiary company subject to the approval as its subsidiary company beyond the period referred to in paragraph (5).

８内閣総理大臣は、次の各号のいずれかに該当する場合には、前項の承認をするものとする。

(8)If the case falls under any of the following items, the Prime Minister is to give the approval referred to in the preceding paragraph:

９内閣総理大臣は、銀行持株会社につき次の各号のいずれかに該当する場合には、当該銀行持株会社の申請により、一年を限り、第五項の期間又はこの項の規定により延長された期間を延長することができる。

(9)If a bank holding company falls under any of the following items, the Prime Minister may extend the period referred to in paragraph (5) or the period extended pursuant to the provisions of this paragraph, for up to one year, upon application by the bank holding company:

１０銀行持株会社は、現に子会社としている子会社対象外国会社又は外国特定金融関連業務会社が、子会社対象会社以外の外国の会社（外国特定金融関連業務会社を除く。以下この項において同じ。）をその子会社としようとする場合において、内閣総理大臣の認可を受けたときは、第一項の規定にかかわらず、当該認可に係る子会社対象会社以外の外国の会社を子会社とすることができる。

(10)Notwithstanding the provisions of paragraph (1), if a foreign company eligible to be a subsidiary company or a foreign specified finance-related services company which a bank holding company actually has as its subsidiary company seeks to make a foreign company not eligible to be a subsidiary company (excluding a foreign specified finance-related services company; hereinafter the same applies in this paragraph) its subsidiary company, and the bank holding company obtains the authorization by the Prime Minister, the bank holding company may make the foreign company not eligible to be a subsidiary company subject to the authorization its subsidiary company.

１１第一項、第五項、第六項及び前項の規定は、子会社対象会社以外の外国の会社が、銀行持株会社又はその子会社の担保権の実行による株式等の取得、銀行持株会社又はその子会社による第一項第十一号から第十三号までに掲げる会社の株式等の取得その他内閣府令で定める事由により当該銀行持株会社の子会社となる場合には、適用しない。ただし、当該銀行持株会社は、その子会社となつた子会社対象会社以外の外国の会社（当該銀行持株会社の子会社となつた子会社対象銀行等又は他の外国特定金融関連業務会社が現に子会社としている外国特定金融関連業務会社を除く。）を引き続き子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該子会社対象会社以外の外国の会社が当該事由（当該銀行持株会社又はその子会社による同項第十一号から第十三号までに掲げる会社の株式等の取得その他内閣府令で定める事由を除く。）の生じた日から一年を経過する日までに子会社でなくなるよう、所要の措置を講じなければならない。

(11)The provisions of paragraph (1), paragraph (5), paragraph (6) and the preceding paragraph do not apply if a foreign company not eligible to be a subsidiary company becomes the subsidiary company of a bank holding company through the acquisition of shares or equity due to the enforcement of a security right, by a bank holding company or its subsidiary company, through the acquisition of shares or equity in a company set forth in paragraph (1), items (xi) through (xiii) by a bank holding company or its subsidiary company, or due to any other grounds specified by Cabinet Office Order;provided, however, that unless the bank holding company obtains the authorization by the Prime Minister to continue to have as its subsidiary company the foreign company not eligible to be a subsidiary company that has become its subsidiary company (excluding the bank, etc. eligible to be a subsidiary company that has become the bank holding company's subsidiary company or a foreign specified finance-related services company which another foreign specified financial service company actually has as its subsidiary company), the bank holding company must take the measures that is required to be taken so that the foreign company not eligible to be a subsidiary company will be no longer its subsidiary company by the last day of the one-year period that begins on the date on which the grounds (excluding the acquisition of shares or equity in a company set forth in items (xi) through (xiii) of that paragraph by a bank holding company or its subsidiary company or any other grounds specified by Cabinet Office Order) arose.

１２第三項の規定は、銀行持株会社が、現に子会社としている第一項各号に掲げる会社を当該各号のうち他の号に掲げる会社（子会社対象銀行等に限る。）に該当する子会社としようとするとき及び現に子会社としている同項第十四号に掲げる会社（その業務により当該銀行持株会社又は当該同号に掲げる会社の業務に係る顧客の利益が不当に害される著しいおそれがあると認められないことその他の要件を満たす会社として内閣府令で定める会社に限る。）を同号に掲げる会社（当該内閣府令で定める会社を除く。）に該当する子会社としようとするときについて準用する。

(12)The provisions of paragraph (3) apply mutatis mutandis if the bank holding company seeks to make a company set forth in one of the items of paragraph (1) which it actually has as its subsidiary company into a subsidiary company that falls under the company set forth in any other item of that paragraph (limited to a bank, etc. eligible to be a subsidiary company), or if the bank holding company seeks to make a company set forth in item (xiv) of that paragraph (limited to a company specified by Cabinet Office Order that there is no serious risk that the interests of the customers related to the services of the bank holding company or the company set forth in item (xiv) of that paragraph would be unjustly impaired by its services or that it satisfies other requirements) which it actually has as its subsidiary company into a subsidiary company that falls under the company set forth in that item (excluding the company specified by Cabinet Office Order).

１３銀行持株会社は、次の各号のいずれかに該当する場合において、内閣総理大臣の承認を受けたときは、第一項の規定にかかわらず、当該承認に係る子会社対象会社以外の外国の会社を引き続き子会社とすることができる。

(13)Notwithstanding the provisions of paragraph (1), in the case falling under any of the following items, if a bank holding company obtains the approval of the Prime Minister, the bank holding company may continue to have a foreign company not eligible to be a subsidiary company subject to the approval as its subsidiary company:

１４第八項の規定は、前項の承認について準用する。

(14)The provisions of paragraph (8) apply mutatis mutandis to the approval referred to in the preceding paragraph.

１５銀行持株会社は、当該銀行持株会社又はその子会社が合算してその基準議決権数を超える議決権を保有している子会社対象会社（当該銀行持株会社の子会社及び第一項第十四号に掲げる会社（内閣府令で定める会社を除く。以下この項において同じ。）を除く。）について、同号に掲げる会社となつたことその他内閣府令で定める事実を知つたときは、引き続きその基準議決権数を超える議決権を保有することについて内閣総理大臣の認可を受けた場合を除き、これを知つた日から一年を経過する日までに当該同号に掲げる会社が当該銀行持株会社又はその子会社が合算してその基準議決権数を超える議決権を保有する会社でなくなるよう、所要の措置を講じなければならない。

(15)If a bank holding company comes to know that a company eligible to be a subsidiary company (other than a subsidiary company of that bank holding company or a company set forth in paragraph (1), item (xiv) (excluding a company specified by Cabinet Office Order; hereinafter the same applies in this paragraph)) in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined has become a company set forth in that item, or comes to know any other fact specified by Cabinet Office Order, the bank holding company must take the measures that needs to be taken so that the company set forth in that item will no longer be a company in which the bank holding company and its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined by the last day of the one-year period that begins on the date on which the bank holding company has come to know of that fact, unless it obtains the authorization by the Prime Minister to continue to hold voting rights exceeding the maximum threshold for voting rights.

第五十二条の二十三の二銀行持株会社は、前条第一項の規定にかかわらず、次に掲げる会社を子会社（当該銀行持株会社の子会社である銀行の子会社を除く。以下「持株特定子会社」という。）とすることができる。

Article 52-23-2(1)Notwithstanding the provisions of paragraph (1) of the preceding Article, a bank holding company may have the following companies as its subsidiary company (excluding the subsidiary company of a bank which is the subsidiary company of the bank holding company; hereinafter referred to as a "specified bank holding company subsidiary"):

２前項各号の「特例子会社対象業務」とは、子会社対象会社（前条第一項第十一号から第十四号までに掲げる会社を除く。）が営むことができる業務（従属業務を除く。以下この項において「特定業務」という。）以外の業務であつて、第十条第二項第十四号に規定する金融等デリバティブ取引に係る同号に規定する商品の売買その他の特定業務に準ずるものとして内閣府令で定めるものをいう。

(2)The term "services of a special subsidiary company" as used in the items of the preceding paragraph means services which are other than those which a company eligible to be a subsidiary company (excluding a company set forth in paragraph (1), items (xi) through (xiv) of the preceding Article) may engage in (excluding dependent services; hereinafter referred to as "specified services" in this paragraph), and which are specified by Cabinet Office Order as equivalent to services concerning purchase and sale of commodities prescribed in Article 10, paragraph (2), item (xiv) related to financial derivative transactions prescribed in that item and other specified services.

３銀行持株会社は、第一項の規定により同項各号に掲げる会社を持株特定子会社としようとするときは、あらかじめ、当該持株特定子会社が営もうとする特例子会社対象業務（前項に規定する特例子会社対象業務をいう。以下この条及び第六十五条第十七号において同じ。）を定めて、内閣総理大臣の認可を受けなければならない。

(3)A bank holding company must determine the services of the special subsidiary company (meaning the services of a special subsidiary company prescribed in the preceding paragraph; hereinafter the same applies in this Article and Article 65, item (xvii)) which the specified bank holding company subsidiary seeks to engage in and obtain the authorization by the Prime Minister in advance, when seeking to make a company set forth in the items of paragraph (1) its specified bank holding company subsidiary pursuant to the provisions of that paragraph.

４前項の規定は、第一項各号に掲げる会社が、前条第四項に規定する内閣府令で定める事由により銀行持株会社の持株特定子会社となる場合には、適用しない。ただし、当該銀行持株会社は、その持株特定子会社となつた会社を引き続き持株特定子会社とすることについて内閣総理大臣の認可を受けた場合を除き、当該会社が当該事由の生じた日から一年を経過する日までに持株特定子会社でなくなるよう、所要の措置を講じなければならない。

(4)The provisions of the preceding paragraph do not apply if a company set forth in the items of paragraph (1) becomes a specified bank holding company subsidiary of a bank holding company due to the grounds specified by Cabinet Office Order that are prescribed in paragraph (4) of the preceding Article;provided, however, that unless the bank holding company obtains the authorization by the Prime Minister to continue to have the company which has become its specified bank holding company subsidiary as its specified bank holding company subsidiary, the bank holding company must take the measures required to be taken so that the company will no longer be its specified bank holding company subsidiary by the last day of the one-year period that begins on the date on which the grounds arose.

５第三項の規定は、銀行持株会社が、その持株特定子会社としている第一項各号に掲げる会社を第三項（この項において準用する場合を含む。）又は前項ただし書の認可に係る特例子会社対象業務以外の特例子会社対象業務を営む持株特定子会社としようとするときについて準用する。

(5)The provisions of paragraph (3) apply mutatis mutandis if a bank holding company seeks to make a company set forth in the items of paragraph (1) which it has as a specified bank holding company subsidiary a specified bank holding company subsidiary that engages in the services of a special subsidiary company other than the services of a special subsidiary company to which the authorization referred to in paragraph (3) (including as applied mutatis mutandis pursuant to this paragraph) or the proviso to the preceding paragraph concerns.

６認定銀行持株会社（次項の認定を受けた銀行持株会社をいう。第八項及び第九項並びに第五十二条の三十四の二第一項において同じ。）は、前条第一項、第三項及び第四項の規定にかかわらず、特例銀行業高度化等業務（同条第一項第十四号に掲げる会社が営むことができる業務のうち内閣府令で定めるものをいう。以下この条、第五十二条の三十四の二第二項及び第六十五条第十七号において同じ。）を専ら営む会社を持株特定子会社とすることができる。

(6)Notwithstanding the provisions of paragraphs (1), (3) and (4) of the preceding Article, a certified bank holding company (meaning a bank holding company that has been granted the certification referred to in the following paragraph; the same applies in paragraph (8), paragraph (9), and Article 52-34-2, paragraph (1)) may make a company that is exclusively engaged in advanced special banking services (meaning the services in which a company set forth in paragraph (1), item (xiv) of the preceding Article may engage and which are specified by Cabinet Office Order; hereinafter the same applies in this Article, Article 52-34-2, paragraph (2) and Article 65, item (xvii)) its specified bank holding company subsidiary.

７内閣総理大臣は、銀行持株会社の申請により、当該銀行持株会社が当該銀行持株会社並びに当該銀行持株会社の子会社である銀行及び特例銀行業高度化等業務を専ら営む持株特定子会社の業務の健全かつ適切な運営を確保するために必要と認められる基準として内閣府令で定めるものに適合することについて、認定を行う。

(7)Upon application of a bank holding company, the Prime Minister certifies that the bank holding company satisfies the criteria specified by Cabinet Office Order as criteria that are found to be necessary for ensuring the sound and appropriate management of services of the bank holding company and a bank that is the subsidiary company of the bank holding company, and a specified bank holding company subsidiary that is exclusively engaged in special advanced banking services.

８認定銀行持株会社は、第六項の規定により特例銀行業高度化等業務を専ら営む会社を持株特定子会社としようとするとき（特例銀行業高度化等業務を専ら営む会社のうち内閣府令で定める会社にあつては、当該認定銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を取得し、又は保有しようとするとき）は、あらかじめ、その会社が営もうとする特例銀行業高度化等業務を定めて、内閣総理大臣に届け出なければならない。

(8)If a certified bank holding company seeks to make a company that is exclusively engaged in special advanced banking services its specified bank holding company subsidiary pursuant to the provisions of paragraph (6) (for a company that is exclusively engaged in special advanced banking services which is specified by Cabinet Office Order, if the certified bank holding company or its subsidiary company seeks to acquire or hold voting rights in that company that cause the number of voting rights to exceed the maximum threshold for voting rights when the voting rights are combined), the certified bank holding company must specify the special advanced banking services that the company seeks to engage in in advance and notify the Prime Minister of the services.

９前項の規定は、特例銀行業高度化等業務を専ら営む会社が、前条第四項に規定する内閣府令で定める事由により認定銀行持株会社の持株特定子会社（前項に規定する内閣府令で定める会社にあつては、銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項及び次項において同じ。）となる場合には、適用しない。ただし、当該認定銀行持株会社は、その持株特定子会社となつた会社を引き続き持株特定子会社とすることについて内閣総理大臣に届出をした場合を除き、当該会社が当該事由の生じた日から一年を経過する日までに持株特定子会社でなくなるよう、所要の措置を講じなければならない。

(9)The provisions of the preceding paragraph do not apply if a company that is exclusively engaged in special advanced banking services becomes a certified bank holding company's specified bank holding company subsidiary (for a company specified by Cabinet Office Order that is prescribed in the preceding paragraph, the company in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined; hereinafter the same applies in this paragraph and the following paragraph) due to the grounds specified by Cabinet Office Order that are prescribed in paragraph (4) of the preceding Article;provided, however, that unless the certified bank holding company notifies the Prime Minister that it will continue to have the company which has become its specified bank holding company subsidiary as its specified bank holding company subsidiary, the certified bank holding company must take the measures required to be taken so that the company will no longer be its specified bank holding company subsidiary by the last day of the one-year period that begins on the date on which the grounds arose.

１０銀行持株会社は、第一項又は第六項の規定により特例子会社対象会社（第一項各号に掲げる会社又は特例銀行業高度化等業務を専ら営む会社をいう。以下同じ。）を持株特定子会社としている場合には、当該持株特定子会社が営む業務の内容その他の事情を勘案し、当該銀行持株会社の子会社である銀行の業務の健全かつ適切な運営を確保するために必要と認められる要件として内閣府令で定めるものを満たすために必要な措置を講じなければならない。

(10)When a bank holding company has made a company eligible to be a special subsidiary company (meaning the company set forth in the items of paragraph (1) or a company that is exclusively engaged in special advanced banking services; the same applies hereinafter) a specified bank holding company subsidiary pursuant to the provisions of paragraph (1) or (6), the bank holding company must take the measures required to be taken in order to satisfy the requirements specified by Cabinet Office Order as those that are found to be necessary for ensuring the sound and appropriate management of services at a bank that is the subsidiary company of the bank holding company, by taking into account the contents of the services in which that specified bank holding company subsidiary engages and other circumstances.

１１前項の規定は、第四項本文及び第九項本文に規定する場合（第四項ただし書の規定により内閣総理大臣の認可を受けて持株特定子会社となつた特例子会社対象会社を引き続き持株特定子会社とする場合及び第九項ただし書の規定による届出をして持株特定子会社（第八項に規定する内閣府令で定める会社にあつては、当該銀行持株会社又はその子会社が、合算してその基準議決権数を超える議決権を保有する会社。以下この項及び第五十二条の三十四の二第二項において同じ。）となつた特例子会社対象会社を引き続き持株特定子会社とする場合を除く。）には、適用しない。

(11)The provisions of the preceding paragraph do not apply to the cases prescribed in the main clause of paragraph (4) and the main clause of paragraph (9) (excluding the case in which the bank holding company continues to have as its specified bank holding company subsidiary the company eligible to be a special subsidiary company that has become its specified bank holding company subsidiary with the authorization by the Prime Minister pursuant to the proviso to paragraph (4), and the case in which the bank holding company continues to have as its specified bank holding company subsidiary the company eligible to be a special subsidiary company that has become its specified bank holding company subsidiary (in case of a company specified by Cabinet Office Order as prescribed in paragraph (8), the company in which the bank holding company or its subsidiary companies hold a number of voting rights that exceeds the maximum threshold for voting rights when the voting rights are combined; hereinafter the same applies in this paragraph and Article 52-23-2, paragraph (2)) by filing a notification under the provisions of the proviso to paragraph (9)).

第五十二条の二十四銀行持株会社又はその子会社は、国内の会社（銀行、第五十二条の二十三第一項第一号から第五号まで、第十号、第十二号、第十四号及び第十五号に掲げる会社（同項第十二号に掲げる会社にあつては、特別事業再生会社を除く。）、特例持株会社（当該銀行持株会社が子会社としているものに限る。）並びに特例子会社対象会社並びに特例対象会社を除く。次項から第六項までにおいて同じ。）の議決権については、合算して、その基準議決権数（国内の会社の総株主等の議決権に百分の十五を乗じて得た議決権の数をいう。以下この条及び第六十五条第十七号において同じ。）を超える議決権を取得し、又は保有してはならない。

Article 52-24(1)It is prohibited for a bank holding company or its subsidiary company to acquire or hold voting rights in a domestic company (excluding a bank, a company set forth in any of Article 52-23, paragraph (1), items (i) through (v), item (x), item (xii), item (xiv) and item (xv) (in the case of the company set forth in item (xii) of that paragraph, excluding a company under special business revitalization process), a special holding company (limited to one which the bank holding company has as its subsidiary company), a company eligible to be a special subsidiary company, or a company subject to special provisions; hereinafter the same applies in the following paragraph through paragraph (6)) that cause the number of voting rights held by the bank holding company or its subsidiary companies to exceed the maximum threshold for voting rights when combined (meaning the number of voting rights that is arrived at when the total shareholder or investor voting rights in the domestic company is multiplied by fifteen percent; the same applies hereinafter in this Article and Article 65, item (xvii)).

２前項の規定は、銀行持株会社又はその子会社が、担保権の実行による株式等の取得その他の内閣府令で定める事由により、国内の会社の議決権をその基準議決権数を超えて取得し、又は保有することとなる場合には、適用しない。ただし、当該銀行持株会社又はその子会社は、合算してその基準議決権数を超えて取得し、又は保有することとなつた部分の議決権については、当該銀行持株会社があらかじめ内閣総理大臣の承認を受けた場合を除き、その取得し、又は保有することとなつた日から一年を超えてこれを保有してはならない。

(2)The provisions of the preceding paragraph do not apply if a bank holding company or its subsidiary companies come to acquire or hold voting rights in a domestic company that exceed the maximum threshold for voting rights held through the acquisition of shares or equity due to the enforcement of a security right by the bank holding company or its subsidiary companies, or other grounds specified by Cabinet Office Order;provided, however, that unless the bank holding company obtains the approval of the Prime Minister in advance, the bank holding company or its subsidiary companies are prohibited from holding the part of the number of voting rights that they have come to acquire or hold in excess of the maximum threshold for voting rights when the voting rights are combined, after one year has passed since the day on which they came to acquire or hold those voting rights.

３前項ただし書の場合において、内閣総理大臣がする同項の承認の対象には、銀行持株会社又はその子会社が国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて取得し、又は保有することとなつた議決権のうち当該百分の五十を超える部分の議決権は含まれないものとし、内閣総理大臣が当該承認をするときは、銀行持株会社又はその子会社が合算してその基準議決権数を超えて取得し、又は保有することとなつた議決権のうちその基準議決権数を超える部分の議決権を速やかに処分することを条件としなければならない。

(3)In the case referred to in the proviso to the preceding paragraph, it is prohibited for the part of the number of voting rights in a domestic company that a bank holding company or its subsidiary companies have come to acquire or hold which exceeds fifty percent of the total shareholder or investor voting rights in that company when the voting rights are combined, to be made subject to the approval referred to in that paragraph that the Prime Minister gives; and if the Prime Minister gives the approval referred to in the preceding paragraph, this must be given on condition that the bank holding company or its subsidiary companies promptly dispose of the part of the voting rights they have come to acquire or hold in excess of the maximum threshold for voting rights.

４銀行持株会社又はその子会社は、次の各号に掲げる場合には、第一項の規定にかかわらず、当該各号に定める日に保有し、又は保有することとなる国内の会社の議決権がその基準議決権数を超える場合であつても、同日以後、当該議決権をその基準議決権数を超えて保有することができる。ただし、内閣総理大臣は、銀行持株会社又はその子会社が、次の各号に掲げる場合に国内の会社の議決権を合算してその総株主等の議決権の百分の五十を超えて保有し、又は保有することとなるときは、当該各号に規定する認可をしてはならない。

(4)Notwithstanding the provisions of paragraph (1), in the case prescribed in any of the following items, even if the voting rights in a domestic company that a bank holding company or its subsidiary companies have held as of the day specified in the relevant item or come to hold on that day exceed the maximum threshold for voting rights, the bank holding company or its subsidiary companies may hold those voting rights in excess of the maximum threshold for voting rights, from that day forward;provided, however, that the Prime Minister must not grant the authorization provided for in the following items when, in the case set forth each of those items, the bank holding company and its subsidiary companies have held or come to hold a number of voting rights in a domestic company that exceeds fifty percent of the total shareholder or investor voting rights in that company when the voting rights are combined:

５内閣総理大臣は、前項各号に規定する認可をするときは、当該各号に定める日に銀行持株会社又はその子会社が合算してその基準議決権数を超えて保有し、又は保有することとなる国内の会社の議決権のうちその基準議決権数を超える部分の議決権を、同日から五年を経過する日までに内閣総理大臣が定める基準に従つて処分することを条件としなければならない。

(5)When giving the authorization provided for in the items of the preceding paragraph, the Prime Minister must give this on condition that the bank holding company or its subsidiary companies dispose of the part of the voting rights in the domestic company that it has held on the day specified in the each of those items or will come to hold on that day that will cause the number of voting rights to exceed the maximum threshold for voting rights when the voting rights are combined, in accordance with the criteria set by the Prime Minister, by the last day of the five-year period that begins on that day.

６銀行持株会社又はその子会社が、国内の会社の議決権を合算してその基準議決権数を超えて保有することとなつた場合には、その超える部分の議決権は、当該銀行持株会社が取得し、又は保有するものとみなす。

(6)If a bank holding company or its subsidiary companies come to hold a number of voting rights in a domestic company that exceeds the maximum threshold for voting rights when the voting rights are combined, the bank holding company is deemed to be the one that has acquired or holds the part of the voting rights that is in excess.

７前各項の場合において、第五十二条の二十三第一項第十一号に掲げる会社、特別事業再生会社又は同項第十三号に掲げる会社の議決権の取得又は保有については、特定子会社は、銀行持株会社の子会社に該当しないものとみなす。

(7)In the case referred to in any of the preceding paragraphs, a specified subsidiary company is deemed not to be the subsidiary company of a bank holding company concerning the acquisition or holding of voting rights in a company set forth in Article 52-23, paragraph (1), item (xi), a company under special business revitalization process, or a company set forth in item (xiii) of that paragraph.

８第一項の「特例対象会社」とは、地域の活性化に資すると認められる事業活動を行う会社として内閣府令で定める会社（第五十二条の二十三第一項第十三号に掲げる会社に該当しないものであつて、当該銀行持株会社又はその特定子会社以外の子会社が、合算してその基準議決権数を超える議決権を保有していないものに限る。）及び同条第一項第十一号から第十三号までに掲げる会社（銀行持株会社の子会社であるものに限る。）と内閣府令で定める特殊の関係のある会社をいう。

(8)The term "company subject to special provisions" as used in paragraph (1) means a company specified by Cabinet Office Order as a company engaged in business activities that are found to contribute to regional development (limited to the case in which the company does not fall under a company set forth in Article 52-23, paragraph (1), item (xiii) and the number of voting rights in the company that are held by the bank holding company or those of its subsidiary companies that are not specified subsidiary companies does not exceed the maximum threshold for voting rights when the voting rights are combined) and a company that has a unique relationship specified by Cabinet Office Order with the company set forth in paragraph (1), items (xi) through (xiii) of that Article (limited to a company that is a subsidiary company of the bank holding company).

９第二条第十一項の規定は、前各項の場合において銀行持株会社又はその子会社が取得し、又は保有する議決権について準用する。

(9)The provisions of Article 2, paragraph (11) apply mutatis mutandis to voting rights that a bank holding company or its subsidiary company acquires or holds in the case referred to in the preceding paragraphs.

第五十二条の二十五内閣総理大臣は、銀行の業務の健全な運営に資するため、銀行持株会社が銀行持株会社及びその子会社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会社（以下この節において「子会社等」という。）の保有する資産等に照らし当該銀行持株会社及びその子会社等の自己資本の充実の状況が適当であるかどうかその他銀行持株会社及びその子会社等の経営の健全性を判断するための基準であつて、銀行の経営の健全性の判断のために参考となるべきものを定めることができる。

Article 52-25In order to contribute to the sound management of a bank's services, the Prime Minister may establish the criteria for a bank holding company to use in order to determine whether the adequacy of equity capital of the bank holding company and its subsidiary company is appropriate in light of the assets owned by the bank holding company and its subsidiary companies, and companies that have a unique relationship specified by Cabinet Office Order with the bank holding company (hereinafter referred to as "subsidiary company, etc." in this Section) and serve as a reference for determining the soundness of bank management.

第五十二条の二十六銀行持株会社の事業年度は、四月一日から翌年三月三十一日までとする。

Article 52-26The business year of a bank holding company is from April 1 to March 31 of the following year.

第五十二条の二十七銀行持株会社は、事業年度ごとに、当該銀行持株会社及びその子会社等の業務及び財産の状況を連結して記載した当該事業年度の中間事業年度に係る中間業務報告書及び当該事業年度に係る業務報告書を作成し、内閣総理大臣に提出しなければならない。

Article 52-27(1)Each business year, a bank holding company must prepare an interim business report for the interim period of the business year that is a part of the relevant business year and a business report for the entire business year which state the status of business and property of the bank holding company and its subsidiary companies, etc. on a consolidated basis, and submit those reports to the Prime Minister.

２中間業務報告書及び業務報告書の記載事項、提出期日その他これらの報告書に関し必要な事項は、内閣府令で定める。

(2)The particulars to be stated in the interim business report and the business report, the due dates for submission, and any other necessary particulars concerning those reports are specified by Cabinet Office Order.

第五十二条の二十八銀行持株会社は、事業年度ごとに、内閣府令で定めるところにより、当該銀行持株会社及びその子会社等につき連結して記載した当該事業年度の中間事業年度に係る貸借対照表及び損益計算書（以下この条において「中間連結貸借対照表等」という。）並びに当該事業年度に係る貸借対照表及び損益計算書（以下この条において「連結貸借対照表等」という。）を作成しなければならない。

Article 52-28(1)Each business year, a bank holding company must prepare a balance sheet and a profit and loss statement for the interim period of the business year which entries are made for the bank holding company and its subsidiary companies, etc. on a consolidated basis (hereinafter referred to as an "interim consolidated balance sheet, etc." in this Article), and prepare a balance sheet and a profit and loss statement for the entire business year (hereinafter referred to as a "consolidated balance sheet, etc." in this Article), pursuant to the provisions of Cabinet Office Order.

２中間連結貸借対照表等及び連結貸借対照表等は、電磁的記録をもつて作成することができる。

(2)Interim consolidated balance sheet, etc. and consolidated balance sheet, etc. may be prepared as electronic or magnetic records.

３銀行持株会社は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間連結貸借対照表等を、その事業年度経過後三月以内に連結貸借対照表等を公告しなければならない。ただし、やむを得ない理由により当該三月以内にこれらの書類の公告をすることができない場合には、内閣総理大臣の承認を受けて、当該公告を延期することができる。

(3)A bank holding company must issue public notice of its interim consolidated balance sheet, etc. within three months after the end of the interim period of the business year, and of its consolidated balance sheet, etc. within three months after the end of the business year, pursuant to the provisions of Cabinet Office Order;provided, however, that if it is not possible for a bank holding company to issue public notice of these documents within the three-month period due to compelling reasons, the bank holding company may postpone the issue of public notice, with the approval of the Prime Minister.

４前項の規定にかかわらず、その公告方法が第五十七条第一号に掲げる方法である銀行持株会社は、内閣府令で定めるところにより、中間連結貸借対照表等及び連結貸借対照表等の要旨を公告することで足りる。この場合においては、同項ただし書の規定を準用する。

(4)Notwithstanding the provisions of the preceding paragraph, it is sufficient for a bank holding company that uses the means of public notice set forth in Article 57, item (i) to issue public notice that gives an overview of the interim consolidated balance sheet, etc. and consolidated balance sheet, etc., pursuant to the provisions of Cabinet Office Order. In such a case, the provisions of the proviso to the preceding paragraph apply mutatis mutandis.

５前項に規定する銀行持株会社は、内閣府令で定めるところにより、その中間事業年度経過後三月以内に中間連結貸借対照表等を、その事業年度経過後三月以内に連結貸借対照表等の内容である情報を、五年間継続して電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置をとることができる。この場合においては、第三項の規定による公告をしたものとみなす。

(5)Pursuant to the provisions of Cabinet Office Order, a bank holding company prescribed in the preceding paragraph may take a measure that uses electronic or magnetic means to make the interim consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the interim period of the business year, and to make the information contained in the consolidated balance sheet, etc. available to many and unspecified persons within three months after the end of the business year, for a continuous period of five years. In such a case, the bank is deemed to have issued the public notice under the provisions of paragraph (3).

６金融商品取引法第二十四条第一項（有価証券報告書の提出）の規定により有価証券報告書を内閣総理大臣に提出しなければならない銀行持株会社については、前各項の規定は、適用しない。

(6)The provisions of the preceding paragraphs do not apply to a bank holding company that is required to submit an annual securities report to the Prime Minister pursuant to the provisions of Article 24, paragraph (1) (Submission of Annual Securities Reports) of the Financial Instruments and Exchange Act.

第五十二条の二十九銀行持株会社は、事業年度ごとに、当該銀行持株会社及びその子会社等の業務及び財産の状況に関する事項として内閣府令で定めるものを当該銀行持株会社及び当該子会社等につき連結して記載した当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類を作成し、当該銀行持株会社の子会社である銀行の営業所（無人の営業所その他の内閣府令で定める営業所を除く。第三項において同じ。）に備え置き、公衆の縦覧に供しなければならない。前条第一項の規定により作成した書類についても、同様とする。

Article 52-29(1)Each business year, a bank holding company must prepare explanatory documents for the interim period of the business year that is a part of the business year, which state the particulars specified by Cabinet Office Order as relevant to the status of business and property of the bank holding company and its subsidiary companies, etc. on a consolidated basis, prepare explanatory documents for the entire business year which state these particulars on a consolidated basis, keep those documents at the business offices (excluding unmanned business offices and other offices specified by Cabinet Office Order; the same applies in paragraph (3)) of the banks which are subsidiary companies of the bank holding company, and make those documents available for public inspection. The same applies to the documents prepared pursuant to the provisions of paragraph (1) of the preceding Article.

２前項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類は、電磁的記録をもつて作成することができる。

(2)Explanatory documents for the interim period of the business year and those for the entire business year provided in the first sentence of the preceding paragraph may be prepared as electronic or magnetic records.

３第一項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類が電磁的記録をもつて作成されているときは、銀行持株会社の子会社である銀行の営業所において、当該電磁的記録に記録された情報を電磁的方法により不特定多数の者が提供を受けることができる状態に置く措置として内閣府令で定めるものをとることができる。この場合においては、同項前段に規定する中間事業年度に係る説明書類及び事業年度に係る説明書類又は同項後段に規定する書類を同項の規定により備え置き、公衆の縦覧に供したものとみなす。

(3)If the explanatory documents for the interim period of the business year and those for the entire business year which are provided for in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph have been prepared as electronic or magnetic records, the bank holding company may take a measure that is specified by Cabinet Office Order as a measure that uses electronic or magnetic means to make the information recorded in an electronic or magnetic record available to many and unspecified persons at the business offices of the banks that are subsidiary companies of the bank holding company. In such a case, the bank holding company is deemed to have kept the explanatory documents for the interim period of the business year and those for the entire business year which are provided for in the first sentence of paragraph (1) or the documents provided for in the second sentence of that paragraph and have made them available for public inspection pursuant to the provisions of that paragraph.

４前三項に定めるもののほか、第一項前段の当該事業年度の中間事業年度に係る説明書類及び当該事業年度に係る説明書類又は同項後段の書類を公衆の縦覧に供する期間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。

(4)Beyond what is provided for in the preceding three paragraphs, Cabinet Order prescribes the period of time during which explanatory documents for the interim period of the business year that is a part of the business year and those for the entire business year which are referred to in the first sentence of paragraph (1) and the documents referred to in the second sentence of that paragraph are made available for public inspection and the particulars necessary for the application of those provisions.

５銀行持株会社は、前各項に規定する事項のほか、当該銀行持株会社の子会社である銀行の預金者その他の顧客が当該銀行持株会社及びその子会社等の業務及び財産の状況を知るために参考となるべき事項の開示に努めなければならない。

(5)In addition to what is provided for in the preceding paragraphs, a bank holding company must endeavor to disclose information which is to serve as a reference for the depositors and other customers of the banks that are its subsidiary companies to learn the status of business and property of the bank holding company and its subsidiary companies, etc.

第五十二条の三十銀行持株会社が会社法第四百三十五条第二項（計算書類等の作成及び保存）の規定により作成する銀行持株会社の事業報告及び附属明細書の記載事項又は記録事項は、内閣府令で定める。

Article 52-30The particulars to be stated or recorded in business reports and annexed detailed statements which a bank holding company prepares pursuant to the provisions of Article 435, paragraph (2) (Preparation and Retention of Financial Statements) of the Companies Act are specified by Cabinet Office Order.

第五十二条の三十一内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該銀行を子会社とする銀行持株会社に対し、当該銀行の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。

Article 52-31(1)If the Prime Minister finds it to be necessary for ensuring the sound and appropriate management of a bank's services, the Prime Minister may request the bank holding company that has a bank as its subsidiary company to report or submit materials that are to serve as a reference for the status of business and property of that bank.

２内閣総理大臣は、第二十四条第一項の規定により銀行に対して報告又は資料の提出を求め、及び前項の規定により当該銀行を子会社とする銀行持株会社に対して報告又は資料の提出を求める場合において、特に必要があると認めるときは、その必要の限度において、当該銀行持株会社の子法人等（子会社その他銀行持株会社がその経営を支配している法人として内閣府令で定めるものをいい、当該銀行を除く。次項並びに次条第二項及び第五項において同じ。）又は当該銀行持株会社から業務の委託を受けた者（その者から委託（二以上の段階にわたる委託を含む。）を受けた者を含む。次項並びに次条第二項及び第五項において同じ。）に対し、当該銀行又は当該銀行持株会社の業務又は財産の状況に関し参考となるべき報告又は資料の提出を求めることができる。

(2)If the Prime Minister requests a bank to make a report or submit materials pursuant to the provisions of Article 24, paragraph (1) or requests the bank holding company that has the bank as its subsidiary company to make a report or submit materials pursuant to the provisions of the preceding paragraph, and finds it to be particularly necessary, the Prime Minister may, to the extent necessary, ask the subsidiary corporation, etc. of that bank holding company (meaning a subsidiary company or a corporation specified by Cabinet Office Order as a corporation whose management is controlled by that bank holding company, and excluding the bank in question; the same applies in the following paragraph and paragraphs (2) and (5) of the following Article) or the person that a bank holding company has entrusted with its services (including a person further entrusted by that entrusted person (including entrustment at two or more degrees of separation from the original entrustment); the same applies in the following paragraph, and paragraphs (2) and (5) of the following Article) to make a report or submit materials that are to serve as a reference for the status of business or property of that bank or bank holding company.

３銀行持株会社の子法人等又は当該銀行持株会社から業務の委託を受けた者は、正当な理由があるときは、前項の規定による報告又は資料の提出を拒むことができる。

(3)The subsidiary corporation, etc. of a bank holding company or the person that a bank holding company has entrusted with its services may refuse to make a report or submit materials pursuant to the provisions of the preceding paragraph if it has legitimate grounds for doing so.

第五十二条の三十二内閣総理大臣は、銀行の業務の健全かつ適切な運営を確保するため必要があると認めるときは、当該職員に当該銀行を子会社とする銀行持株会社の事務所その他の施設に立ち入らせ、当該銀行若しくは当該銀行持株会社の業務若しくは財産の状況に関し質問させ、又は当該銀行持株会社の帳簿書類その他の物件を検査させることができる。