The Bank of Fukuoka

Wiki route

This entry sits under regional-banks INDEX (its domain route). Read it against Nishi-Nippon City Bank for the same-prefecture peer / contrast, and against the FSA plus banking for the supervisory / system boundary. Group context lives in the parent Fukuoka FG (FFG) page.

TL;DR

The Bank of Fukuoka, Ltd. (株式会社福岡銀行) is a regional bank (first-tier regional bank) headquartered in Fukuoka City, Fukuoka Prefecture, holding a bank license under the Banking Act and listed in the FSA’s bank license list. It is the core operating bank of Fukuoka FG (FFG) and is treated as one of Kyushu’s largest regional-bank operating-company anchors. Its business is the standard regional-bank business model of “deposit-taking across the prefecture and the wider Kyushu region + lending to SMEs, individuals, and local public bodies.”

1. License / group boundary

2. Operating model

The Bank of Fukuoka is a regional bank that, centered on Fukuoka Prefecture, handles retail deposits, SME finance, urban corporate banking, lending to local public bodies, and Kyushu-wide relationship banking. Because it is anchored in Fukuoka City, the largest metropolitan area in Kyushu, its weighting toward urban-style corporate / institutional business is high even among regional banks. The Fukuoka FG (FFG) page covers group strategy, capital policy, and digital-bank (Minna Bank) strategy, while this page covers the bank-license entity and the operating boundary of branches and regional lending.

3. Regulatory & system positioning

• Supervision: Under the Banking Act, supervised by the FSA (FSA) and the local Finance Bureau with jurisdiction over its location (the Kyushu Local Finance Bureau). Soundness is disciplined by capital adequacy regulation (domestic standard) and the like.
• Industry body: As a first-tier regional bank, it is positioned within the Regional Banks Association of Japan (Chiginkyo) lineage as a first-tier regional bank. On the payments-infrastructure side it participates in the nationwide bank funds settlement network (the Zengin System), and as an industry body it belongs to the framework of Zenginkyo.
• Depositor protection: Deposits are covered by the Deposit Insurance Corporation (DIC), and insured deposits are protected within the prescribed range.
• Consolidation context: For the general context of regional-bank reorganization and consolidation pressure in Kyushu, see regional-bank consolidation pattern.

4. Why this page matters

• Closes the FSA exact-name operating-company gap for the Bank of Fukuoka.
• Separates the bank license from fukuoka-fg holding-company strategy.
• Provides a peer anchor for nishi-nippon-city-bank, chikuho-bank, kitakyushu-bank, and 18-shinwa-bank.

Related

• regional-banks INDEX
• fukuoka-fg
• nishi-nippon-city-bank
• chikuho-bank
• kitakyushu-bank
• 18-shinwa-bank
• FSA
• regional-bank-consolidation-pattern
• INDEX
• FinWiki index

Sources

• FSA (金融庁): license / registration lists / bank license list (ginkou.xlsx), regional banks.
• The Bank of Fukuoka official company outline (会社概要), https://www.fukuokabank.co.jp/aboutus/outline/index.html.
• Fukuoka Financial Group (8354) is listed on the Tokyo Stock Exchange Prime Market (parent holding-company listing).