basic bank information
HIGOBANK is a commercial bank that is privately owned, not a state-owned or joint venture bank. It is part of Kyushu Financial Group, Inc., a financial holding company listed on the Tokyo Stock Exchange (stock code: 7180). As a regional bank with market-oriented operations, Higo Bank has a significant presence in Kumamoto Prefecture and Kyushu in Japan, and its shareholder structure is dominated by institutional investors and the general public, reflecting its commercial characteristics.
name and background<
span style="font-family: sans-serif; The full name of "color: black" > HIGOBANK is The Higo Bank, Ltd., which was established in 1925 and has a history of nearly 100 years. Headquartered in Ryō-cho, Chuo-ku, Kumamoto City, Kumamoto Prefecture, Japan, it is located in the core economic area of Kumamoto Prefecture, making it convenient to serve local customers. As a subsidiary of Kyushu Financial Group, Higo Bank relies on the group's resources to focus on regional financial services. In terms of shareholder background, Kyushu Financial Group is its parent company, and the nature of its public listing makes its shareholding dispersed, mainly held by institutional investors and the public, and there is no state-owned or foreign background.
service scope
HIGOBANK's services mainly cover Kumamoto Prefecture and the Kyushu region, including the surrounding areas such as Fukuoka and Kagoshima, and are typical regional banks. With the support of Kyushu Financial Group, its service tentacles have also extended to other parts of Japan, such as Tokyo, but the core market is still concentrated in Kyushu. In terms of offline outlets, HIGOBANK has about 150 branches, mainly in Kumamoto Prefecture and other major cities and towns in Kyushu. In addition, its ATM network covers both urban and rural areas throughout the service area, providing customers with convenient deposits, withdrawals and transfer services, reflecting the offline advantages of traditional banks.
regulatory and compliance
HIGOBANK is regulated by the Financial Services Agency (FSA), which oversees the compliance and stability of the Japanese banking sector and ensures that it complies with relevant laws and regulations. At the same time, HIGOBANK joined the Deposit Insurance Corporation of Japan (DICJ) to provide protection for customer deposits with a maximum insurance amount of 10 million yen, which strengthened customers' trust in the bank. In terms of recent compliance records, no major breaches were found, indicating good performance in risk management and compliance.
financial health
HIGOBANK's financial position is generally sound, but some specific data has not been disclosed in public channels. The following is an analysis of the key metrics:
capital adequacy ratio: HIGOBANK, a subsidiary of Kyushu Financial Group The capital adequacy ratio is expected to meet the minimum requirements of the Financial Services Agency (FSA) (typically above 8%), but the exact figure is not disclosed.
NPL ratio: Specific data is not available, but as a large regional bank, its asset quality is expected to be relatively healthy, and the NPL ratio should be low.
Liquidity Coverage Ratio: The exact data is also not publicly available, but its liquidity position should be sufficient to cover day-to-day operations and potential risks in accordance with industry standards and regulatory requirements (100% or above).
Overall, HIGOBANK relies on the support of Kyushu Financial Group and a stable customer base in the regional market, and users can maintain confidence in its financial health.
services & products
HIGOBANK provides comprehensive financial services to meet the diverse needs of individuals and businesses:
personal banking business: including savings accounts, fixed deposits, credit cards, home loans, personal loans and investment trusts, etc., covering customers' daily financial and financing needs.
Corporate Banking: provides corporate loans, trade finance, cash management, payment services, etc., especially to support small and medium-sized enterprises and local economic development.
other services: covering foreign exchange trading, equipment leasing, financial consulting and guarantee services, providing customers with one-stop financial solutions.
these services are based on practicality and regional needs, reflecting Higo Bank's deep presence in the Kyushu market.
digital service experience
HIGOBANK actively embraces digital transformation and provides convenient online services:
core features: including account balance inquiry, real-time transfers, bill management, and may integrate investment tools or loan application functions. Some functions may support biometric authentication technologies such as face recognition and fingerprint login to improve the convenience and security of use.
> APP and online banking: HIGOBANK's mobile banking app supports iOS and Android systems, and customers can manage their accounts, transfer funds, pay bills and other operations through the app or online banking. Specific user ratings (e.g. App Store or Google Play) are not found, but as a large regional bank, the app's features are expected to be mature enough to meet mainstream demand.
customer service
HIGOBANK provides a variety of customer service channels to ensure that customer issues are resolved in a timely manner:
e-mail service: customers can submit questions through the contact page of the official website to receive personalized answers.
Live chat: Live online support may be available through the official website or mobile app, making it easy for customers to communicate instantly.
these channels cover both traditional and modern service methods, reflecting the importance that Higo Bank places on customer experience.
>Telephone service: The representative of the head office can call 096-325-2111 and customers can contact us for business inquiries or assistance.
security measures
HIGOBANK has taken a number of measures to protect customer information and funds:
multi-factor authentication: When customers log in to online banking or APP, they need to use a password combined with SMS verification code, fingerprint and other verification methods to ensure account security.
AI fraud detection: Artificial intelligence technology may be used to monitor anomalous transactions and prevent fraud risks in a timely manner.
these measures are in line with industry standards and provide customers with reliable security.
>Data encryption: All online transactions and data transmissions use advanced encryption technology to prevent information leakage.
Featured Services & Differentiation
The characteristics and differentiation of HIGOBANK are mainly reflected in the following aspects:
Regional services: Focusing on Kumamoto Prefecture and the Kyushu region, we provide financial solutions that are close to local needs and compete differently with major national banks.
Community support: Actively participate in local economic and community activities, such as supporting the development of small and medium-sized enterprises, sponsoring local projects, and strengthening ties with customers.
Digital innovation: Through the upgrade of mobile banking and online services, Higo Bank has maintained its technological leadership among regional banks and attracted younger customer groups.
these characteristics have enabled Higo Bank to establish a solid market position in the Kyushu region and become an important pillar of regional economic development.
Summary and suggestions<
span style="font-family: sans-serif; color: black"> HIGOBANK is a long-established regional commercial bank with a solid performance in terms of service reach, financial health, and digital experience, backed by the support of the Kyushu Financial Group and its strategy of deep cultivation in Kumamoto Prefecture. Its regional character, community connections and modern services are the main strengths. For users, HIGOBANK should be chosen to pay attention to its convenient offline branch and ATM network, as well as the practicality of online services. At the same time, users are advised to regularly monitor the bank's financial reports and regulatory developments to fully assess its long-term stability. Overall, HIGOBANK is a trusted financial partner in the Kyushu region.
