Message

I would first like to express my sincere appreciation for your continued patronage.

Fukuoka Financial Group, Inc. (FFG) was established in April 2007 through a joint stock transfer by Bank of Fukuoka and Kumamoto Family Bank, and it added Shinwa Bank in October 2007. It is a “regional financial group for wide-area development,” and it has as subsidiaries three banks based in Kyushu.

After formulating the “First Mid-Term Management Plan” to coincide with the establishment of FFG, the Group used the opportunity of Shinwa Bank becoming a wholly-owned subsidiary of the Group to make a new start with our “Second Mid-Term Management Plan.” That period was a “run-up phase” to a “rapid growth phase,” and during it we built a management system called three-brands/single-platform, and also proceeded with management infrastructure preparations, such as consolidating the business and systems of the three banks. In addition, Kumamoto Family Bank and Shinwa Bank have been reborn as rock-solid banks, due to efforts such as striving to improve their balance sheets, disengaging from problems with non-performing loans, and remarkably improving both banks’ self-owned capital ratios.

The “Third Mid-Term Management Plan,” which began in April 2010, will dramatically improve productivity by thoroughly utilizing the management infrastructure built thus far, and make a transition to an “acceleration phase” that moves active development of business ahead at cruising speed.

Because the foundation of the “Third Mid-Term Management Plan” is rigorous pursuit of our brand slogan “To be your bank of choice,” we named this mid-term plan the “ABC Plan ~ Always Best for the Customer ~.”

We have set four fundamental principles of “strengthening relations with our customers,” “dramatically improving productivity,” “spreading the FFG culture,” and “accumulating stable earning assets.” In particular, under the principle of “strengthening relations with our customers,” by placing importance on communication with our customers and by “knowing our customers” even better, we are building relationships of mutual trust and making sincere efforts to become “your bank of choice.”

As a financial group that links people with other people and regions with other regions, our Group will bring about sustained growth in corporate value, as a regional financial group that provides value creation to all of the shareholders, business partners, customers, and regional communities that are our stakeholders.

We look forward to your continued support and patronage.

Fukuoka Financial Group, Inc.
Chairman of the Board and President
Masaaki Tani