FUKUOKA BANK

name and background

The Bank of Fukuoka, Ltd., which was established in 1973, but its history can be traced back to Fukuoka Mutual Bank, which was established in 1945. In 2007, Bank of Fukuoka merged with Kumamoto Bank and Kyushu Affinity Bank to form the Fukuoka Financial Group, further expanding its regional presence. Headquartered at 2-13-1 Tenjin, Chuo-ku, Fukuoka City, Fukuoka Prefecture, Japan, it is located in the economic center of Kyushu, which is convenient for its regional operations.

service scope

Bank of Fukuoka's services are mainly concentrated in the Kyushu region of Japan, including Fukuoka, Kumamoto, Nagasaki Prefecture, etc., and provide limited services through the Fukuoka Financial Group in other parts of Japan (such as Tokyo and Osaka) and international markets (such as Shanghai, China). As of 2023, it has about 150 branches, covering major cities and towns in Kyushu. The exact number of ATMs is not disclosed throughout Kyushu, but it covers a wide area, making it convenient for customers to withdraw and transfer money on a daily basis.

regulatory and compliance<

span style="font-family: sans-serif; color: black" > Bank of Fukuoka is regulated by the Financial Services Agency (FSA), the core regulator of Japan's financial industry, responsible for the development and enforcement of banking regulations. Banks participate in the Japan Deposit Insurance System (DICJ), which provides protection for customer deposits of up to 10 million yen. In terms of compliance records, no major violations were found, indicating that it has a robust risk management and compliance system.

financial health

• Capital adequacy ratio: As of March 2024, Fukuoka Financial Group's common equity tier 1 capital ratio (CET1) was approximately 12.5%, higher than the 8% required by Japanese regulators, indicating that it has a strong capital base and is able to respond to potential risks.

• non-performing loan ratio: data not found.

• liquidity coverage ratio: data not disclosed.

Fukuoka Bank's financial health is strong, and its capital adequacy and asset quality provide a solid foundation for its regional operations.

deposits and loans

• deposit products: including demand deposits, time deposits, foreign currency deposits, etc., suitable for individual and corporate customers, the interest rate is adjusted according to market conditions.

• loan products: We support the economic development of the Kyushu region by providing personal housing loans, car loans, consumer loans, as well as SME loans and business loans.

• other financial services, including credit cards, foreign exchange transactions, investment products (such as funds, insurance), to provide customers with a variety of choices.

digital service experience<

span style="font-family: sans-serif; color: black" > Bank of Fukuoka is actively promoting digital transformation and providing a mobile banking app (Fukuoka Bank App) and an online banking platform.

core functions: support account inquiry, real-time transfer, bill payment, investment management.

customer service<

security measures<

span style="font-family: sans-serif; color: black">Bank of Fukuoka uses industry-standard security technologies, including:

> Data encryption: Protects online transactions and customer information.

• multi-factor authentication: e.g. SMS verification code, biometrics (e.g., face recognition if possible).

• Fraud detection: Uses AI technology to monitor transactions and prevent fraud.

featured services and differentiations

• Regional focus: Bank of Fukuoka is deeply involved in the Kyushu region, understands the needs of local customers, and provides customized financial services.

• SME support: Supporting the development of small and medium-sized enterprises in the Kyushu region and promoting the local economy through flexible loan and financing products.

• Digital innovation: Invest in mobile banking and online services to provide a convenient financial experience and attract younger customers.

• International layout: Through the branches of the Fukuoka Financial Group in Shanghai and other places, we provide cross-border financial services and enhance our international competitiveness.

In short, Bank of Fukuoka is an important pillar of regional economic development by providing high-quality financial solutions to individuals and businesses in the Kyushu region by virtue of its regional strengths, solid financial position, and advanced digital services.