Fukuoka FG (FFG)

Wiki route

This entry sits under regional-banks INDEX. Read it against Chiba Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

One of Japan’s largest standalone regional-bank groups (a Kyushu 3 -prefecture base + nationwide digital expansion). It was formed through the joint holding-company-ization of 2007-04-02 The Bank of Fukuoka + Kumamoto Family Bank (now Kumamoto Bank). A 2 axis of base consolidation (Fukuoka / Kumamoto / Nagasaki) + nationwide digital expansion (Minna no Ginko BaaS). Minna no Ginko, opened in 2021-05 , is Japan’s first fully cloud-native, smartphone-complete digital bank, and is the core of the digital strategy for the parent FFG. It is one of the leaders in regional-bank consolidation (a hub on par with the SBI No.4 -megabank concept / Chiba, Yokohama, Concordia, etc.).

0. Latest earnings summary (FY2025 / 2026 年 3 月 results, 2026-05-13 disclosure)

The following table is scoped to public primary sources (the public registry and issuer materials cited in the sources inventory). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

Note: The capital ratio is on a simple-capital / total-assets basis. The consolidated capital ratio under Basel regulation (CET1) is a separate indicator; see the body of the earnings release or the securities report. The FY2025 full-year flash report broadly achieved the revised forecast of ordinary profit 1,240 億円 · net income 850 億円 (2026-02 disclosure).

1. Company overview

Legal name: Fukuoka Financial Group, Inc. English name: Fukuoka Financial Group, Inc. Securities code: TSE PRIME 8354 / FSE 8354 Established: 2007-04-02 (joint holding-company-ization of Fukuoka Bank + Kumamoto Family Bank) Headquarters: 2-13-1 Tenjin, Chuo-ku, Fukuoka City, Fukuoka Prefecture (within the Fukuoka Bank head-office building) Consolidated subsidiaries / affiliates: 27 社 + 1 社 (equity method) Consolidated employees: 7,928 名 (2025-03 , excluding 2,803 contract / temporary staff · 43 executive officers)

Major subsidiaries / holdings

FFG (holding company, listed 8354)
  ├── Fukuoka Bank (100%) ── fukuoka-bank / Kyushu's largest regional bank · base core
  │     └── Centered on Fukuoka Prefecture, big-city retail + mid-tier-corporate main bank
  ├── Kumamoto Bank (100%) ── former Kumamoto Family Bank (former Higo Family Bank)
  │     └── Kumamoto Prefecture base
  ├── Eighteenth Shinwa Bank (100%) ── 18-shinwa-bank / 2020-10-01 merger of the Eighteenth Bank + Shinwa Bank
  │     └── Nagasaki Prefecture base (overwhelming in-prefecture share)
  ├── Minna no Ginko (100%) ── Japan's first fully cloud-native digital bank (opened 2021-05-28)
  │     └── Provides BaaS functions to other companies (settlement API / account-opening API / partner-branch model)
  ├── FFG Securities (100%) ── group securities
  └── iBank Marketing (100%) ── operates the Wallet+ app (regional fintech)

Merger background / predecessors

• Former Fukuoka Bank: established 1945 , Kyushu’s largest regional bank (including legacy from the former Fuji Bank lineage · former Sanwa Bank lineage, etc.)
• Former Kumamoto Family Bank: its predecessor was the former Higo Family Bank (a regional bank), later renamed Kumamoto Bank
• Former Eighteenth Bank: founded 1877 , Nagasaki Prefecture base (former Eighteenth National Bank)
• Former Shinwa Bank: established 1939 , Nagasaki Prefecture base (including the former Sanwa Bank lineage)
• Former Kumamoto Bank (a second-tier regional bank): existed before FFG integration; must be distinguished from the current entity Kumamoto Bank after the Kumamoto Family rename

Integration background: regional banks faced depopulation / low-interest-rate margin pressure → a 2 axis of cross-prefecture wide-area alliances and nationwide digital expansion. The Eighteenth Bank + Shinwa Bank merger was delayed by 3 years due to antimonopoly compliance (FTC review because the in-Nagasaki-Prefecture share exceeded a majority).

Key timeline

The following table is scoped to public primary sources (the public registry and issuer materials cited in the sources inventory). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

2. Business-segment map

The following table is scoped to public primary sources (the public registry and issuer materials cited in the sources inventory). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

Bank 3 行-combined KPIs (FY2025 / as of 2025-12 , on a Q3 -release basis)

The following table is scoped to public primary sources (the public registry and issuer materials cited in the sources inventory). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^↗

In the full-year results (as of 2026-03 ), loans were 20 兆 3,068 億円 · deposits etc. 21 兆 8,856 億円. Loans expanded rapidly, centered on the corporate division (+7.0%).

Digital strategy (Minna no Ginko at the core)

• Minna no Ginko (opened 2021-05-28):
  • Japan’s first “cloud-native, smartphone-complete” digital bank
  • Full-cloud design via a Google Cloud + Accenture alliance
  • 2025-05: surpassed 130 万 accounts (4 th anniversary of opening). Centered on acquiring young users via SNS
  • As of 2025-03 : deposit balance 331 億円 · loan balance 228 億円 (YoY +90%)
  • BaaS partners surpassed 30 社 (as of 2025-12 ):
    • Partner-branch model only: 3 社
    • API-provision model only: 8 社
    • Both models used: 7 社
    • Basic agreement concluded (release in preparation): 12 社
  • Representative partner: Mercari Pay (2025-08 business alliance), etc.
  • Break-even target: initially FY2025 年 → postponed due to upfront investment + sluggish loan-balance growth, now FY2027 年 break-even is the new milestone
  • Planned for FY2026 年: expanded to allow account opening with 1 persons across up to 5 branches
• Leadership orientation as a “regional-bank-originated digital platform”: the ambition to provide core banking systems to other regional banks / other industries via BaaS
• iBank Marketing: regional fintech expansion with the Wallet+ app

Base-consolidation strategy

• A 2 axis of Kyushu 3 -prefecture (Fukuoka / Kumamoto / Nagasaki) base consolidation + nationwide digital expansion
• Through the Eighteenth Shinwa Bank integration (2020-10), overwhelming in-Nagasaki-Prefecture share → established the in-prefecture main-bank position
• Entry into Kumamoto Prefecture through Kumamoto Bank subsidiary-ization (2007~)

Position in regional-bank consolidation

• One of Japan’s largest standalone regional-bank groups (net income 854 億円 · total assets 33.56 兆円)
• A leader in regional-bank consolidation (a wide-area-alliance hub on par with the SBI No.4 -megabank concept / chiba-bank-fg / concordia-fg / mebuki-fg, etc.)
• Counters the megabanks (mufg / smfg / mizuho-fg) with regional-bank integration + BaaS

4. Regulation / policy

• Supervisor: FSA + Kyushu Local Finance Bureau
• Holding-company regulation: Banking Act Article 52 -17
• Eighteenth Bank integration antimonopoly review: 2016 application → 2018-12 integration decision (delayed 3 years). A typical case of FTC review in regional-bank integration
• Minna no Ginko regulation: Banking Act ordinary-bank license (full banking, full functionality different from net-dedicated banks)
• Recent policy points:
  • 2024~ BOJ policy-rate normalization → regional-bank margin improvement (greater benefit than megabanks). The FY2025 ordinary income +36.3% is a direct reflection of rising rates
  • 2025~ acceleration of regional-bank consolidation (depopulation + digital-investment burden)
  • Expansion of Minna no Ginko BaaS → system development for providing core banking to other regional banks

Related

• mufg · smfg · mizuho-fg
• chiba-bank-fg · concordia-fg · mebuki-fg · sbi-hd
• minna-bank-baas-model · mercari-bank-license-stack

Sources

• Fukuoka FG 2026 年 3 月 earnings release (2026-05-13 disclosure, PDF via Yahoo! Finance)
• Fukuoka FG 2026 年 3 月 Q3 earnings release (2026-02-03 disclosure, via BigGo Finance)
• Fukuoka FG 2025 年 3 月 earnings release (2025-05-12 disclosure, FSE PDF)
• Minna no Ginko IR Day materials (2025-09-08, fukuoka-fg.com)
• Minna no Ginko BaaS-partner 30 社-surpassing press release (2025-12-04, corporate.minna-no-ginko.com)
• Minna no Ginko 130 万-account-surpassing press release (2025-06-02, corporate.minna-no-ginko.com)
• Business Insider Japan: Minna no Ginko break-even roadmap (2025)
• Nihon Keizai Shimbun: Minna no Ginko in 5 , loan balance only 2 0% of the break-even benchmark (2026-03)
• irbank.net 8354 Fukuoka FG company information (as of 2026-05-15)
• Wikipedia: Fukuoka Financial Group / Minna no Ginko / Eighteenth Shinwa Bank (2026-05-19 extraction)

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[!info] Verification status confidence: confirmed (v1.1 official IR verification 2026-05-19). Main KPIs confirmed based on the FY2025 (2026-03 ) full-year results (2026-05-13 disclosure). History · subsidiary structure · Minna no Ginko KPIs (accounts 130 万 · BaaS 30 社 · 2025-03 deposits 331 億円 · break-even postponed to FY2027 年) are also confirmed from public materials. Remaining issues: specific BaaS-partner names (other than Mercari Pay), the CET1 capital ratio, and quantification of Eighteenth Shinwa integration synergies.