Fukuoka FG (FFG)
On this page
- Wiki route
- TL;DR
- 0. Latest earnings summary (FY2025 / 2026 年 3 月 results, 2026-05-13 disclosure)
- 1. Company overview
- Major subsidiaries / holdings
- Merger background / predecessors
- Key timeline
- 2. Business-segment map
- Bank 3 行-combined KPIs (FY2025 / as of 2025-12 , on a Q3 -release basis)
- Digital strategy (Minna no Ginko at the core)
- Base-consolidation strategy
- Position in regional-bank consolidation
- 4. Regulation / policy
- Related
- Sources
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)
| Indicator | FY2025 (2026-03 ) | YoY | FY2024 (2025-03 ) |
|---|---|---|---|
| Ordinary income | 6,211 億円 | +36.3% | 4,557 億円 |
| Ordinary profit | 1,206 億円 | +16.4% | 1,036 億円 |
| Net income attributable to owners of the parent | 854 億円 | +18.4% | 721 億円 |
| Total assets | 33.56 兆円 | +4.0% | 32.26 兆円 |
| Deposit balance (incl. NCDs) | 21 兆 8,856 億円 | +648 億円 | — |
| Loan balance | 20 兆 3,068 億円 | +1 兆 3,365 億円 (+7.0%) | — |
| Net assets | 1 兆 767 億円 | +15.8% | — |
| Capital ratio (simple) | 3.2% | +0.4pt | 3.1% |
| ROE | 6.9% | — | 6.9% |
| Annual dividend | 180 円 (interim 85 + year-end 95) | +45 円 | 135 円 |
| Consolidated employees | n/a | — | 7,928 名 |
| Market capitalization | approx. 1.26 兆円 | — | — |
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%) ── [[regional-banks/fukuoka-bank]] / Kyushu's largest regional bank · base core
│ └── Centered on Fukuoka Prefecture, big-city retail + mid-tier-corporate main bank
├── [[regional-banks/kumamoto-bank|熊本銀行]] (100%) ── former Kumamoto Family Bank (former Higo Family Bank)
│ └── Kumamoto Prefecture base
├── Eighteenth Shinwa Bank (100%) ── [[regional-banks/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
| Year/Month | Event |
|---|---|
| 2007-04-02 | FFG established (joint holding-company-ization of Fukuoka Bank + Kumamoto Family Bank) |
| 2007-10 | Kumamoto Family Bank → renamed [[regional-banks/kumamoto-bank |
| 2007-10 | Made Shinwa Bank a wholly owned FFG subsidiary (entry into Nagasaki Prefecture) |
| 2018-12 | Decision on Eighteenth Bank management integration (delayed 3 years for antimonopoly compliance, FTC review) |
| 2020-10-01 | Eighteenth Bank + Shinwa Bank → Eighteenth Shinwa Bank (Nagasaki-Prefecture base consolidation completed) |
| 2021-05-28 | Minna no Ginko opened (Japan’s first fully cloud-native, smartphone-complete digital bank) |
| 2025-05 | Minna no Ginko surpassed 130 万 accounts (4 th anniversary of opening) |
| 2025-12 | Minna no Ginko BaaS partners surpassed 30 社 |
| 2026-03 | FY2025 full-year net income 854 億円 · ordinary income 6,211 億円 (record high) |
2. Business-segment map
| Segment | Main operator | Characteristics |
|---|---|---|
| Base core (Fukuoka) | [[regional-banks/fukuoka-bank | 福岡銀行]] |
| Base (Kumamoto) | [[regional-banks/kumamoto-bank | 熊本銀行]] |
| Base (Nagasaki) | [[regional-banks/18-shinwa-bank | 十八親和銀行]] |
| Digital nationwide | Minna no Ginko | Japan’s first fully cloud-native · provides BaaS |
| Securities | FFG Securities | Group securities |
| Regional fintech | iBank Marketing | Operates the Wallet+ app (regional-bank-originated fintech) |
Bank 3 行-combined KPIs (FY2025 / as of 2025-12 , on a Q3 -release basis)
| Indicator | Value | vs. prior period-end |
|---|---|---|
| Bank-combined deposit balance | 21 兆 4,906 億円 | −638 億円 |
| Bank-combined loan balance | 20 兆 1,768 億円 | +1 兆 1,062 億円 |
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)
[!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.