Kyushu Financial Group’s Strengths
Based in our home region of Central and Southern Kyushu, we will fully leverage the group management resources and actively contribute to the realization of a sustainable local community.
Solid business foundation
We have a network of branches across Central and Southern Kyushu (Kumamoto, Kagoshima, and Miyazaki) with overwhelming market share of deposits and loans, establishing a robust operating base in our home region.
Our efforts to create a sustainable society and develop the local economy based on the SDGs
By leveraging our sound financial base and making a thorough commitment to our local community, we contribute to the sustainable development of our customers and communities.
Our pioneering initiatives for ESG financing
The Group works to “develop alongside the region” and contribute to “the realization of a vigorous local community” as stated in the Group Management Philosophy.
Based on the Guideline for Investments and Loans that we formulated in July 2019, we have set a cumulative ESG investment and loan target of \1 trillion (including \200.0 billion in the environment) from FY2021 to FY2030.
Through finance, we engage in initiatives related to comprehensive ESG financing. These initiatives include granting loans for the promotion of renewable energy as well as the local mainstay industries of agriculture and tourism, and supporting the industries of medical and welfare and projects intended to mitigate climate change and conserve biodiversity.
We will continue using the information resources and networks of the entire Group to support our customers’ SDG initiatives.
Addressing Climate Change
The Group regards environmental issues, including climate change, as important challenges. In order to actively promote the decarbonization of the local community, we have set Group targets for reducing CO2 emissions in April 2021. The goals include not only Scope 1 emissions, from the use of fuels such as gasoline and city gas, and Scope 2, from electricity purchases, but also part of Scope3, which is supply chain emissions.
In addition, in June 2022, to further refine our calculation of CO2 emissions, we joined the international initiative, Partnership for Carbon Accounting Financials (PCAF) as the first Japanese regional bank. We will accelerate our efforts to calculate and disclose our loan and investment portfolio-related CO2 emissions up to 2025.
The group’s overall strength - Active effort to solve problems facing the local communities and our customers -
The Group consists of 19 consolidated subsidiaries that serve customers in a variety of fields, starting from banking, securities, leasing, cards, and research. To fully leverage the advantages of the integration of top-tier banks in Kumamoto and Kagoshima, each bank autonomously practices on-the-ground, high-quality management for the local communities and shares the expertise it has accumulated, thereby engaging in active efforts to help resolve issues facing the communities and customers.
Initiatives in the fields of tourism, agriculture, forestry, and fisheries
Central and Southern Kyushu (Kumamoto, Kagoshima, and Miyazaki) where we are based boasts abundant tourism resources and thrives in agriculture, forestry, and fisheries.
To tap into these regional characteristics for industrial development, we have entered into the National Park Official Partnership with the Ministry of the Environment in order to launch initiatives to promote tourism. We have also established an agricultural corporation as part of our further efforts to promote primary producers’ diversification into processing and distribution (sixth sector industrialization).
Providing one-stop financial service in collaboration with banking, brokerage, and trust functions
The Group launched trust operations through its banks in April 2019—the first regional financial group in Kyushu to do so in order to address the growing inheritance and asset succession needs on the back of the aging society. Furthermore, we launched the Adult Guardianship Deposit Account in July 2020 and the Designated Agent Trust (Anshin Mimamori Shintaku) entrusting trust assets to an agent in case of dementia or future health concerns in June 2021.
Together with Kyushu FG Securities, through collaboration between banking, brokerage, and trust functions, we act as a one-stop service provider to meet customers’ needs for the financial lifecycle of “saving, increasing, and bequeathing” assets and for inheritance.