- Business
- Kyushu Financial Group, Inc. is a regional financial holding company based in Kumamoto, Japan, founded in 2015 through the merger of Higo Bank, Ltd. and Kagoshima Bank, Ltd. It operates primarily in the banking sector through its subsidiaries, offering a comprehensive range of financial products and services including deposit accounts, lending, securities investment, domestic and foreign exchange transactions, credit card services, trust business, and financial instruments transactions. Additionally, the group engages in regional value co-creation businesses such as digital transformation (DX) solutions and e-commerce platforms.
The company operates through two main business segments: Banking and Leasing, serving individual customers, corporations, and public entities primarily in the Kyushu region. Its core subsidiaries include Higo Bank, Kagoshima Bank, and Kyushu FG Securities, among others, collectively forming a network of 23 companies. Kyushu Financial Group also provides over-the-counter sales of government and public bonds, securities investment trusts, insurance products, and trust services.
Recent major changes include strategic expansion through partnerships and investments in fintech innovation, with a significant ¥3 billion investment planned for 2024 to enhance digital banking capabilities and integrate AI analytics for improved service delivery. The group is actively pursuing its 4th Medium-Term Management Plan (2024–2027), focusing on accelerating initiatives to provide regional value, expanding business areas such as GX (green transformation) in the livestock industry, and strengthening core financial services. It has also heightened efforts in environmental, social, and governance (ESG) initiatives, aiming to foster sustainable regional development. Key operational changes include integrating subsidiaries to improve synergy, expanding project collaboration with regional banks, establishing new subsidiaries for regional business support, and launching digital services like the e-commerce mall "YOKA MALL" and DX solution businesses.
Kyushu Financial Group is listed on the Tokyo Stock Exchange (Prime Market) and Fukuoka Stock Exchange (Main Board) and continues to emphasize regional economic growth, customer-oriented solutions, and sustainable community development through innovative financial services and strategic partnerships. The company is led by Chairman Akihisa Koriyama and President Yoshihisa Kasahara and manages operations mainly across the Kyushu region in Japan.