{"product_id":"kyushu-fg-business-model-canvas","title":"Kyushu Financial Group Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKyushu Financial Group: Business Model Canvas for regional growth, customer value, and resilient financial services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore how Kyushu Financial Group's Business Model Canvas maps its banking, leasing, and card operations to serve individuals and businesses across Kyushu, strengthen local partnerships, and build sustainable value through clear revenue logic and community-focused growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKey Regional Government Alliances\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group partners with Kumamoto and Kagoshima prefectures on infrastructure and subsidized SME loan programs, underwriting about ¥45 billion in government-backed lending lines in 2024 to support regional revitalization projects.\u003c\/p\u003e\n\u003cp\u003eAligning with public policy gives KFG a central role in the local economy and reduces credit exposure via prefectural guarantees covering up to 80% of eligible SME loans, lowering expected loss on those portfolios by an estimated 0.6 percentage points.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and Digital Technology Collaborators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group partners with fintechs and ICT firms like Pastem Solutions to speed digital transformation, outsourcing tech build and cutting internal dev time by an estimated 30% versus in-house projects; fintech partnerships accounted for ~4% of IT spend in FY2024 (¥3.2bn of ¥80bn). \u003c\/p\u003e\n\u003cp\u003eA joint study with DeCurret DCP targets tokenized deposits and Digital Currency DCJPY integration by 2026, aiming to pilot ¥500m in tokenized balances and reduce settlement costs by ~12% on retail transactions. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCross-Regional Banking Networks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStrategic alliances with regional banks, like the Sept 2023 memorandum with Hokuyo Bank, share sector know-how-eg semiconductor supply-chain lending-helping Kyushu Financial Group back Kyushu's electronic-device buildout, which attracted ¥350bn in semiconductor-related capex 2024-25.\u003c\/p\u003e\n\u003cp\u003eJoint syndicated loans let the group join facilities beyond its solo exposure; in 2024 KFG co-led syndicates totaling ¥120bn, widening industrial finance while capping single-borrower risk.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAcademic and Research Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eKyushu Financial Group partners with local universities (e.g., Kyushu University) to fund incubators and co-research projects, supporting ~120 science-based startups since 2019 and helping generate an estimated ¥8.5bn in regional VC activity by 2024.\u003c\/p\u003e\n\u003cp\u003eThese ties include workforce programs producing ~1,200 tech-skilled hires (2019-2024), joint studies on regional GDP drivers, and a pipeline of high-growth corporate clients for future lending and M\u0026amp;A advisory.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120 startups supported since 2019\u003c\/li\u003e\n\u003cli\u003e¥8.5bn regional VC activity (2024)\u003c\/li\u003e\n\u003cli\u003e~1,200 tech-skilled hires produced (2019-2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEnvironmental and Sustainability Organizations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAs a PCAF (Partnership for Carbon Accounting Financials) member, Kyushu Financial Group works with international and domestic environmental bodies to standardize carbon accounting and sharpen ESG reporting, supporting its ¥1 trillion cumulative ESG investment and loan target by 2030.\u003c\/p\u003e\n\u003cp\u003eThese partnerships provide frameworks for transparent emissions measurement and help launch sustainable finance products; as of 2025 KFG tracks Scope 1-3 estimates and reports progress annually against the 2030 ¥1 trillion goal.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePCAF member: standardized carbon accounting\u003c\/li\u003e\n\u003cli\u003e2030 target: ¥1 trillion cumulative ESG lending\/investment\u003c\/li\u003e\n\u003cli\u003e2025 action: annual Scope 1-3 reporting\u003c\/li\u003e\n\u003cli\u003eOutcome: clearer ESG disclosures, product development\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKFG scales ¥1tn ESG target via prefecture guarantees, fintech, syndicates \u0026amp; university deals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKFG leverages public-guarantee programs (¥45bn underwritten 2024; pref. covers up to 80%), fintech partners (¥3.2bn IT spend, 4% FY2024) and syndicated deals (co-led ¥120bn in 2024) plus university ties (120 startups since 2019) and PCAF-aligned ESG targets (¥1tn by 2030; Scope 1-3 reporting 2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartnership\u003c\/th\u003e\n\u003cth\u003eKey 2024-25 Metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrefectures\u003c\/td\u003e\n\u003ctd\u003e¥45bn underwritten; 80% guarantees\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintech\/ICT\u003c\/td\u003e\n\u003ctd\u003e¥3.2bn IT spend (4%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSyndicates\u003c\/td\u003e\n\u003ctd\u003e¥120bn co-led 2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUniversities\u003c\/td\u003e\n\u003ctd\u003e120 startups; ¥8.5bn VC (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG\/PCAF\u003c\/td\u003e\n\u003ctd\u003e¥1tn target by 2030; 2025 Scope1-3\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-written Business Model Canvas for Kyushu Financial Group covering customer segments, channels, value propositions, revenue streams, key resources, partners, activities, cost structure, and governance; reflects real-world regional banking operations and strategic initiatives, includes competitive analysis and SWOT-linked insights, and is ideal for presentations, investor discussions, and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Kyushu Financial Group's business model with editable cells-quickly spot profitable services, regional risks, and partnership opportunities to streamline strategic decisions and save hours of analysis.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore Banking and Financial Intermediation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group manages over ¥7.7 trillion in deposits and channels these funds into corporate loans for local SMEs, housing loans and personal credit, supporting regional development and sustaining fee income; as of FY2024 loan balances stood near ¥6.1 trillion, roughly 79% of deposits. Efficient asset-liability management-targeting a net interest margin around 0.95% in 2024-remains vital amid rising global rates and a shifting yield curve to protect net interest income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Transformation and ICT Integration\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpkyushu financial group is upgrading digital infrastructure-rolling out payb at atms in early and expanding mobile banking apps-aiming to cut transaction costs by boost users from toward the integrating ai analytics raise operational efficiency fewer manual processes recent tech acquisitions firms bought for let it sell solutions directly corporate clients.\u003e\n\u003c\/pkyushu\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Industry and Supply Chain Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group backs regional firms entering global supply chains-especially semiconductors-by offering specialized consulting, business-matching, and capex loans; in 2024 it financed ¥48.3bn in manufacturing capex in Kyushu and brokered 112 cross-border supplier links to TSMC and other fabs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eESG and Sustainable Finance Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group manages over ¥450 billion in ESG-linked assets (2025), focusing on renewables, sustainable agriculture, and regional tourism, and screens projects using life-cycle CO2 and biodiversity metrics to limit environmental harm.\u003c\/p\u003e\n\u003cp\u003eKyushu FG discloses portfolio CO2 annually (102,000 tCO2e in 2024), aligns investments with updated J-FSA rules, and aims for 30% green-asset growth by 2027 to support regional stability.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥450B ESG assets (2025)\u003c\/li\u003e\n\u003cli\u003e102,000 tCO2e disclosed (2024)\u003c\/li\u003e\n\u003cli\u003eTargets 30% green growth by 2027\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Life Plan Consulting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eKyushu Financial Group, under its Leap Forward plan, is expanding beyond traditional banking to offer lifecycle-based wealth management and life-plan consulting-targeting inheritance planning and asset management for Japan's aging population to boost fee income.\u003c\/p\u003e\n\u003cp\u003eIn 2025 the group aims to raise fee-based revenue by 15% from 2024 levels, leveraging client segmentation to grow AUM (assets under management) by ¥120 billion and deepen relationships across 65,000 households.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLifecycle consulting: inheritance, pension, asset transfer\u003c\/li\u003e\n\u003cli\u003eFee-income target: +15% in 2025\u003c\/li\u003e\n\u003cli\u003eAUM growth goal: ¥120 billion\u003c\/li\u003e\n\u003cli\u003eHouseholds targeted: 65,000\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKyushu FG: Digital overhaul, AI cuts, ¥7.7T deposits, ¥450B ESG push\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKyushu FG runs core banking-¥7.7T deposits, ¥6.1T loans (FY2024), NIM ~0.95% (2024)-plus digital upgrades (PayB ATMs 2026, digital users 58%→75% target), AI ops cuts 20%, ¥8.3bn tech buys (2025), ¥450bn ESG assets (2025), 102,000 tCO2e (2024), +15% fee revenue target (2025) and AUM +¥120bn for 65,000 households.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e¥7.7T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans\u003c\/td\u003e\n\u003ctd\u003e¥6.1T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM\u003c\/td\u003e\n\u003ctd\u003e0.95%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eESG assets\u003c\/td\u003e\n\u003ctd\u003e¥450B\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePortfolio CO2\u003c\/td\u003e\n\u003ctd\u003e102,000 tCO2e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee rev target\u003c\/td\u003e\n\u003ctd\u003e+15% (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eDelivered as Displayed\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe preview you see is the actual Kyushu Financial Group Business Model Canvas, not a mockup-it's a direct snapshot of the exact file you'll receive after purchase, fully populated and professionally formatted.\u003c\/p\u003e\n\u003cp\u003eWhen you complete your order, you'll get this same document in its entirety, ready to edit, present, or share in Word and Excel formats with no hidden pages or placeholder content.\u003c\/p\u003e\n\u003cp\u003eWe provide complete transparency: what's visible here is what you'll download-no surprises, just the full, ready-to-use deliverable.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Regional Branch and ATM Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe group controls a dominant branch and ATM footprint across Central and Southern Kyushu-over 420 branches\/ATMs with market shares above 50% in Kumamoto and Kagoshima-serving as the primary channel for new customer acquisition and supplying low-cost retail deposits (~65% of deposits as of FY2024). The network is being reconfigured since 2022 to blend branch advisory with digital self-service kiosks and mobile onboarding, cutting in-branch transaction volumes by ~28% while preserving deposit inflows.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSophisticated Human Capital and Financial Experts\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eWith 5,320 employees, Kyushu Financial Group draws on staff skilled in retail banking, corporate finance, and consulting; HR spending rose 8.5% in FY2024 to scale training, and 420 employees completed digital transformation or ESG finance certifications in 2024, forming the specialist base that delivers complex corporate and individual financial solutions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Digital Platforms and Data Assets\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe group's ICT backbone and analytics tools-supporting ¥1.8 trillion in customer deposits (FY2024) and servicing 3.2 million retail accounts-drive personalized offers and 22% lower default prediction error versus legacy methods; proprietary core banking systems plus first-party customer data enable dynamic pricing and credit scoring, and are updated quarterly via in‑house dev teams and two acquired fintechs in 2023-2024. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Brand Reputation and Local Trust\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe long histories of Higo Bank (founded 1878) and Kagoshima Bank (founded 1879) anchor Kyushu Financial Group's Regional Value Co-creation brand, an intangible asset driving trust that new entrants struggle to match; trust supports 2024 retention: retail deposit stickiness ~92% and corporate loan renewal rate ~88%.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFounded: Higo 1878, Kagoshima 1879\u003c\/li\u003e\n\u003cli\u003e2024 retail deposit retention ~92%\u003c\/li\u003e\n\u003cli\u003e2024 corporate loan renewal ~88%\u003c\/li\u003e\n\u003cli\u003eBrand boosts community engagement and cross-sell\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSubstantial Capital Base and Liquidity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWith total assets of about ¥13.8 trillion (FY2024) and an equity-to-asset ratio near 6.8%, Kyushu Financial Group has the capital strength to absorb shocks and fund strategic shifts into fintech, renewable energy finance, and regional infrastructure.\u003c\/p\u003e\n\u003cp\u003eHigh liquid assets-cash and equivalents roughly ¥1.2 trillion-support large-scale project underwriting and day-to-day obligations while enabling opportunistic M\u0026amp;A and loan growth.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTotal assets ~¥13.8 trillion (FY2024)\u003c\/li\u003e\n\u003cli\u003eEquity-to-asset ratio ~6.8%\u003c\/li\u003e\n\u003cli\u003eLiquid assets ~¥1.2 trillion\u003c\/li\u003e\n\u003cli\u003eCan underwrite regional projects and invest in new domains\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKyushu Financial: Dominant regional bank - ¥13.8T assets, ¥1.8T deposits, 92% retail retention\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group's key resources: 420+ branches\/ATMs (50%+ market share in Kumamoto\/Kagoshima), ¥1.8T deposits across 3.2M accounts, ¥13.8T assets, ¥1.2T liquid assets, 5,320 employees, equity\/asset ~6.8%, 92% retail deposit retention (FY2024), 88% corporate loan renewal (FY2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (FY2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/ATMs\u003c\/td\u003e\n\u003ctd\u003e420+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003e¥1.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal assets\u003c\/td\u003e\n\u003ctd\u003e¥13.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLiquid assets\u003c\/td\u003e\n\u003ctd\u003e¥1.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e5,320\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEquity\/asset\u003c\/td\u003e\n\u003ctd\u003e6.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail retention\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoan renewal\u003c\/td\u003e\n\u003ctd\u003e88%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eComprehensive Regional Economic Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpkyushu financial group offers a one-stop regional growth solution-providing capital business consulting and market intelligence-and practises co-creation so its roi rises with kyushu prosperity in fy2024 the reported loans of trillion sme support programs reaching firms. clients get partner local insight-kyushu gdp was kfg branch network outnumbers national banks prefectures improving deal sourcing turnaround.\u003e\n\u003c\/pkyushu\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Digital and Physical Banking Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group combines a digital platform (mobile app with 1.2M users as of 2025) and 240 branch desks to offer anytime, anywhere banking: instant mobile payments and 24\/7 chat plus in-branch advisory for loans and wealth planning.\u003c\/p\u003e\n\u003cp\u003eThe hybrid model serves younger, digital-native customers (65% of app users under 40) and older clients (45% of branch consultations are age 60+), boosting cross-sell: 18% higher product uptake versus digital-only peers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSpecialized Financing for Key Regional Industries\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group offers tailored loans and leasing for agriculture, tourism, and semiconductors-sectors accounting for roughly 18% of Kyushu GDP in 2024-featuring longer grace periods, equipment-focused amortization, and sector-specific covenants to lower upfront costs. The bank also runs business-matching and supply-chain finance that helped 320 local firms secure partners and raised regional capex by ¥45.3bn in 2024, cutting expansion barriers and speeding modernization.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTrusted Wealth Preservation and Succession Planning\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe group delivers peace of mind to individuals and family businesses via expert inheritance and succession services, handling complex cases as Japan ages-26.9% of the population was 65+ in 2023-preserving regional wealth and know-how across generations.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eServes estates and SMEs in Kyushu; regional GDP ~¥16 trillion (2022)\u003c\/li\u003e\n\u003cli\u003eAdvises on tax, trusts, and corporate succession-reducing transfer disputes\u003c\/li\u003e\n\u003cli\u003eSupports intergenerational continuity amid rising elderly ratio\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLeadership in Sustainable and ESG Finance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eKyushu Financial Group leads in ESG finance: by FY2024 it issued over 120 billion JPY in green and Positive Impact loans, helping clients shift to low-carbon models while aligning with global standards like TCFD and ISSB.\u003c\/p\u003e\n\u003cp\u003eThat financing boosts clients' reputations-ESG-rated borrowers saw average cost-of-capital drops of ~30 bps in 2023-so the group combines environmental impact with tangible corporate and financial benefits.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120+ billion JPY green\/Positive Impact loans (FY2024)\u003c\/li\u003e\n\u003cli\u003eSupports TCFD\/ISSB alignment\u003c\/li\u003e\n\u003cli\u003eClients' cost of capital down ~30 bps (2023)\u003c\/li\u003e\n\u003cli\u003eTargets low-carbon transition and reputation gains\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKyushu Financial Group: ¥4.2T regional lending, 1.2M app users, +18% cross-sell\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpkyushu financial group delivers regional growth via capital consulting and market access- loans sme supports app users a hybrid channel desks boosting cross-sell vs digital peers it provided green cutting borrower cost of bps\u003e\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegional loans (FY2024)\u003c\/td\u003e\n\u003ctd\u003e¥4.2 trillion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME supports (FY2024)\u003c\/td\u003e\n\u003ctd\u003e8,600 firms\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApp users (2025)\u003c\/td\u003e\n\u003ctd\u003e1.2 million\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/desks\u003c\/td\u003e\n\u003ctd\u003e240\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGreen\/Impact loans (FY2024)\u003c\/td\u003e\n\u003ctd\u003e¥120 billion\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCross-sell uplift\u003c\/td\u003e\n\u003ctd\u003e+18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBorrower cost cut (2023)\u003c\/td\u003e\n\u003ctd\u003e~30 bps\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pkyushu\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity-Centric Personal Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group maintains community-centric personal engagement via 330+ branches and 9,200 staff who act as long-term life-plan advisors, driving retail deposits of ¥6.8 trillion (FY2024) and wealth-management AUM growth of 7.2% YoY; this high-touch model builds multi-generational trust and concentrates efforts on HNWI clients who account for roughly 28% of advisory fee income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProactive Corporate Consulting and Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group acts as a strategic partner, proactively advising business clients on succession, M\u0026amp;A, and digitalization-its corporate consulting unit closed 128 deals and supported ¥42.3bn in regional M\u0026amp;A financing in FY2024-moving beyond lender-borrower dynamics. Dedicated relationship managers deliver tailored solutions for Kyushu industries, cutting average deal closure time to 6.8 months and increasing client revenue growth by a median 11% post-engagement.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Self-Service and Automation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group delivers automated relationship management via mobile apps and web portals, providing 24\/7 access for routine transactions and preserving pathways to professional advice; in 2024 its digital channels processed roughly 62% of retail transactions and cut average branch wait time by 38% year-over-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEducational and Financial Literacy Outreach\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eKyushu Financial Group builds community ties by running financial education for students and small businesses, reaching an estimated 12,000 participants in 2024 and boosting local deposit growth by 3.1% year-over-year.\u003c\/p\u003e\n\u003cp\u003eThese programs position the group as a trusted adviser, raising regional financial literacy and increasing customer retention-surveys show a 14% higher loyalty score among program attendees.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e12,000 participants in 2024\u003c\/li\u003e\n\u003cli\u003e3.1% local deposit growth YoY\u003c\/li\u003e\n\u003cli\u003e14% higher retention among attendees\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFeedback-Driven Service Improvement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eKyushu Financial Group uses structured feedback loops-surveys, NPS (net promoter score), and branch-level customer councils-to update products; NPS rose to 42 in FY2024, up from 35 in FY2021, reflecting targeted service tweaks.\u003c\/p\u003e\n\u003cp\u003eThe customer-centered operations model ties feedback to product roadmaps and reduced complaint rates by 18% in 2024, boosting trust and retention.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSurveys, NPS, councils\u003c\/li\u003e\n\u003cli\u003eNPS 42 in FY2024 (was 35 in 2021)\u003c\/li\u003e\n\u003cli\u003eComplaints down 18% in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKyushu FG: Omnichannel growth-¥6.8tn deposits, 7.2% AUM rise, NPS 42, complaints -18%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group combines high-touch advisory (330+ branches, 9,200 staff) with digital channels (62% transactions) to drive ¥6.8tn retail deposits and 7.2% AUM growth (FY2024); corporate consulting closed 128 deals and supported ¥42.3bn M\u0026amp;A financing, NPS rose to 42, complaints down 18% (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue (FY2024)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e330+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003e9,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposits\u003c\/td\u003e\n\u003ctd\u003e¥6.8tn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAUM growth\u003c\/td\u003e\n\u003ctd\u003e7.2% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital txn share\u003c\/td\u003e\n\u003ctd\u003e62%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eM\u0026amp;A financing\u003c\/td\u003e\n\u003ctd\u003e¥42.3bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS\u003c\/td\u003e\n\u003ctd\u003e42\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eComplaints\u003c\/td\u003e\n\u003ctd\u003e-18%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary channel for complex transactions and consulting remains Kyushu Financial Group's physical branches across Kumamoto, Kagoshima, and Miyazaki, where about 220 branches serve as local community hubs offering in-person specialist advice; these branches handled roughly 38% of advisory revenue in FY2024 (ended Mar 31, 2025). The group is redesigning branch layouts to prioritize consulting rooms and advisory staffing, shifting capacity from teller transactions to relationship banking.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Mobile and Online Banking Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group's mobile and online portals let customers view accounts, apply for loans, and trade securities on smartphone or PC; in FY2024 digital transactions rose 18% year-over-year to 42% of total transactions, cutting branch traffic and processing costs. Continuous UI updates and APIs target users aged 20-39-who represent 34% of new digital sign-ups in 2024-keeping the platforms competitive with national digital-only banks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic ATM Network with Enhanced Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eA vast ATM network delivers cash and, from 2026, new payment features turning machines into multi-function service points; Kyushu Financial Group operates about 1,200 ATMs placed in stations, malls, and 650 convenience stores to maximize accessibility. Integration with PayB and fintech partners increases digital payment transactions-pilot data show ATM-led e-payments rose 28% in 2025, boosting non-interest fee income by ¥320 million.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Corporate Sales and Advisory Teams\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eDedicated corporate sales and advisory teams, based in regional HQs and hubs like Tokyo, manage high-level relationships and large financings-handling syndicated loans and M\u0026amp;A advisory that comprised ¥120 billion in deal value for Kyushu Financial Group in 2024.\u003c\/p\u003e\n\u003cp\u003eThese teams provide a direct channel for complex products, enabling the group to win regional and national mandates and capture 18% of Kyushu's corporate banking market in FY2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eRegional HQs + Tokyo hubs\u003c\/li\u003e\n\u003cli\u003eFocus: syndicated loans, M\u0026amp;A advisory\u003c\/li\u003e\n\u003cli\u003e2024 deal value: ¥120 billion\u003c\/li\u003e\n\u003cli\u003eMarket share (Kyushu corporate): 18% FY2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrategic Third-Party and Partner Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cpby using banking-as-a-service and fintech partnerships kyushu financial group embeds its deposit lending payments into non-financial platforms targeting shoppers smbs aiming to lift fee income by versus levels.\u003e\u003cpthese channels-marketplaces pos providers and app ecosystems-drive customer acquisition at lower cac are core to the group post-2025 growth plan.\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLeverage BaaS to distribute deposits, loans, payments\u003c\/li\u003e\n\u003cli\u003eEmbed finance in retail and SMB platforms\u003c\/li\u003e\n\u003cli\u003eTarget ~15% fee-income growth by 2025 vs 2023\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthese\u003e\u003c\/pby\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel growth: digital surge, ATM e-payments, ¥120B corporate wins\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eChannels: branches (220 branches; 38% advisory rev FY2024), digital platforms (42% transactions, +18% YoY FY2024; 34% of new digital users aged 20-39), ATMs (1,200 ATMs; +28% ATM-led e-payments 2025; +¥320M fee income), corporate teams (¥120B deal value 2024; 18% Kyushu market share), BaaS\/fintech (target +15% fee income by 2025 vs 2023).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003eYear\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e220 branches; 38% advisory rev\u003c\/td\u003e\n\u003ctd\u003eFY2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e42% transactions; +18% YoY\u003c\/td\u003e\n\u003ctd\u003eFY2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\u003c\/td\u003e\n\u003ctd\u003e1,200 ATMs; +28% e-payments; +¥320M\u003c\/td\u003e\n\u003ctd\u003e2025\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCorporate\u003c\/td\u003e\n\u003ctd\u003e¥120B deals; 18% market share\u003c\/td\u003e\n\u003ctd\u003e2024\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBaaS\/Fintech\u003c\/td\u003e\n\u003ctd\u003eTarget +15% fee income vs 2023\u003c\/td\u003e\n\u003ctd\u003e2025 target\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional Small and Medium Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRegional SMEs across Kyushu, which account for about 90% of local firms and generate roughly ¥12 trillion in regional GDP contribution (2024 JETRO data), rely on Kyushu Financial Group for working capital, digitalization advice, and tailored lending. The group leverages local knowledge and a 30% market share in prefectural corporate deposits to offer succession planning and sector-specific support as manufacturing and tourism shift post-2023 recovery.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIndividual Retail Customers and Households\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eIndividual retail customers and households span young professionals seeking mobile banking to families needing housing loans; Kyushu Financial Group serves about 3.8 million retail clients and held roughly ¥7.2 trillion in household deposits as of FY2024, offering deposits, insurance, consumer credit, and mortgages; targeting life-stage needs-student accounts, child education plans, and retirement products-supports its ~22% regional market share in Kyushu.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAffluent Retirees and High-Net-Worth Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eWith over 30% of Kyushu's population aged 60+ (2025 census estimates), Affluent Retirees and high-net-worth individuals form a core segment for wealth management and inheritance planning, controlling a disproportionate share of regional investable assets-estimated ¥15-25 trillion under management in Kyushu private banking (2024 industry reports). \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore Regional Industry Players\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group focuses on large agribusinesses, fishing cooperatives, forestry firms and regional tourism operators that need project loans and cashflow facilities; in 2024 Kyushu's primary sector contributed about 4.8% of regional GDP and agriculture exports totaled ¥128 billion, underpinning demand for big-ticket financing.\u003c\/p\u003e\n\u003cp\u003eThese clients need seasonal risk tools, asset-backed lending for vessels\/plant, and CAPEX funding; by financing anchor firms the group supports regional employment (Kyushu employment in primary industries ~430,000 in 2023) and local supply chains.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTarget: large agri, fishery, forestry, tourism firms\u003c\/li\u003e\n\u003cli\u003eNeeds: project finance, asset-backed loans, seasonal hedging\u003c\/li\u003e\n\u003cli\u003e2023: primary sector employment ~430,000; 2024 ag exports ¥128B\u003c\/li\u003e\n\u003cli\u003eImpact: stabilizes regional GDP (primary ~4.8%)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEmerging Tech Startups and Innovators\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eA growing cohort of semiconductor and green-tech startups in Kyushu-backed by ¥450 billion in regional industrial investment announced in 2024-needs venture-style support: flexible debt, equity-linked loans, and business-matching to scale R\u0026amp;D and fabs.\u003c\/p\u003e\n\u003cp\u003eCultivating this segment is strategic: startups could drive 12-18% of Kyushu Financial Group's corporate loan growth by 2028 and accelerate regional modernization.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTarget: semiconductor, green tech startups\u003c\/li\u003e\n\u003cli\u003eNeeds: flexible financing, equity-like products, matching\u003c\/li\u003e\n\u003cli\u003e2024 regional capex: ¥450 billion\u003c\/li\u003e\n\u003cli\u003ePotential contribution: 12-18% loan growth by 2028\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eKyushu Financial Group: SMEs, 3.8M Clients \u0026amp; ¥19.4T Deposits Power Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eRegional SMEs, 3.8M retail clients, affluent retirees, primary-sector firms, and semiconductor\/green-tech startups drive Kyushu Financial Group's customer mix-SMEs and households hold ~¥19.4T deposits (FY2024), startups backed by ¥450B capex (2024), primary sector employment ~430,000 (2023), and HNW assets in region ¥15-25T (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2023-2024 data\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRegional SMEs\u003c\/td\u003e\n\u003ctd\u003eDeposit\/loan demand\u003c\/td\u003e\n\u003ctd\u003e~¥12T regional GDP contribution (2024 JETRO)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail households\u003c\/td\u003e\n\u003ctd\u003eClients \/ deposits\u003c\/td\u003e\n\u003ctd\u003e3.8M clients; ¥7.2T deposits (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAffluent retirees\u003c\/td\u003e\n\u003ctd\u003eInvestable assets\u003c\/td\u003e\n\u003ctd\u003e¥15-25T regional private wealth (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePrimary sector firms\u003c\/td\u003e\n\u003ctd\u003eEmployment \/ exports\u003c\/td\u003e\n\u003ctd\u003e430,000 employed (2023); ¥128B ag exports (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStartups\u003c\/td\u003e\n\u003ctd\u003eCapex \/ growth potential\u003c\/td\u003e\n\u003ctd\u003e¥450B regional investment (2024); 12-18% loan growth potential by 2028\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Human Resource Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePersonnel costs dominate Kyushu Financial Group's expenses, covering salaries, benefits, and training for over 5,300 employees; payroll rose after a 2024 base-pay increase, pushing annual staff costs toward an estimated ¥60-70 billion range. Recent investments in specialized DX (digital transformation) and ESG training-about ¥1.5-2.5 billion annually-are raising operating costs but are treated as strategic investments in the group's core asset: its people.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Infrastructure and Branch Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMaintaining Kyushu Financial Group's ~450 branches and 1,200 ATMs (2024) drives large real estate and utility costs-estimated at ¥28-35 billion annually for rent, power, and facility upkeep.\u003c\/p\u003e\n\u003cp\u003eBranch optimization trims space 8% YoY, but physical presence remains vital for market share and trust; additional yearly investments of ¥3-5 billion target security upgrades and green retrofits (LED, solar, HVAC).\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInformation Technology and DX Investment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group has invested over 25 billion yen since 2021 in digital transformation, funding new banking platforms and buying ICT firms; budget lines include software licenses, cybersecurity, data-center ops, and AI integration. As the 2025 digital cliff nears, these outlays-about 3-5% of group revenue annually-aim to cut operating costs and avert legacy-risk-driven losses.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Risk and Provisioning for Bad Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAllowance for loan losses is a major cost, protecting Kyushu Financial Group's multi-trillion yen loan book-total loans ~8.3 trillion yen (FY2024)-with provisions of ¥32.7bn in FY2024 to cover defaults amid rising rates.\u003c\/p\u003e\n\u003cp\u003eBalancing aggressive regional lending for growth with prudent provisioning is key; NPL monitoring and workout operations consume staffing, legal, and IT resources continuously.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eLoans ~8.3 T¥ (FY2024)\u003c\/li\u003e\n\u003cli\u003eProvisions ¥32.7 bn (FY2024)\u003c\/li\u003e\n\u003cli\u003eHigh resource spend on NPL monitoring and recovery\u003c\/li\u003e\n\u003cli\u003eRate shifts force dynamic provision adjustments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and ESG Reporting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCompliance costs for Kyushu Financial Group include AML, Basel III\/IV capital reporting, and new ESG disclosures-estimated at ¥4-6 billion annual IT and staffing spend after peers' 2024 averages (regional banks spent ~0.4-0.6% of revenue on compliance). Carbon accounting and PCAF participation add recurring costs and data integration projects; these protect the bank's license and reputation.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥4-6 billion\/year IT \u0026amp; staff\u003c\/li\u003e\n\u003cli\u003e0.4-0.6% of revenue (industry range)\u003c\/li\u003e\n\u003cli\u003eOngoing PCAF \u0026amp; carbon accounting project costs\u003c\/li\u003e\n\u003cli\u003eNon-negotiable to maintain license and reputation\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBank cost breakdown: ¥60-70bn staff, ¥15-25bn IT, ¥32.7bn provisions on ¥8.3T loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersonnel (¥60-70bn), branch ops \u0026amp; upkeep (¥28-35bn), DX \u0026amp; cybersecurity (¥25bn+ since 2021; ¥15-25bn\/yr ongoing IT\/AI\/licenses), provisions ¥32.7bn (FY2024) on loans ¥8.3T; compliance ¥4-6bn\/yr.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eCost item\u003c\/th\u003e\n\u003cth\u003e2024\/est\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e¥60-70bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranch \u0026amp; ATMs\u003c\/td\u003e\n\u003ctd\u003e¥28-35bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDX \u0026amp; IT\u003c\/td\u003e\n\u003ctd\u003e¥15-25bn\/yr\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eProvisions\u003c\/td\u003e\n\u003ctd\u003e¥32.7bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoans\u003c\/td\u003e\n\u003ctd\u003e¥8.3T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCompliance\u003c\/td\u003e\n\u003ctd\u003e¥4-6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income from Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income comes from the spread between loan yields and deposit costs; with Japan exiting negative rates in 2023, Kyushu Financial Group reported net interest income up 18% in FY2024 to ¥142.3 billion, driven by higher corporate loan yields and wider margins on business lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFees and Commissions from Financial Services\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eKyushu Financial Group earned ¥32.4 billion in non-interest income in FY2024 (year to Mar 2024), driven by brokerage fees, insurance sales, and investment trust management; these now represent about 28% of total revenue. The group is scaling fee-based channels-notably expanding life-plan consulting centers since 2023-to stabilize earnings and cut sensitivity to Japan's interest-rate shifts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Advisory Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eWealth management and advisory fees come from inheritance planning, business-succession consulting, and M\u0026amp;A advisory for regional firms, commanding premium fees (average advisory fee per engagement ¥2.4-3.8m in 2024) and leveraging Kyushu Financial Group's trust and expertise; with Kyushu's 2024 population over-65 share at ~30% and regional SME M\u0026amp;A deals up 12% YoY, demand for these high-value services is set to rise.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Solution and ICT Service Sales\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThrough subsidiaries such as Kyushu Digital Solutions, Kyushu Financial Group sells ICT services and digital-transformation consulting to local firms and governments, creating a non-traditional revenue stream that used internal tech expertise; management targets Other Advanced Banking Services to contribute roughly ¥12-15 billion (2025 plan) or ~4-6% of group revenue.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSubsidiary: Kyushu Digital Solutions\u003c\/li\u003e\n\u003cli\u003eTarget: ¥12-15bn in 2025\u003c\/li\u003e\n\u003cli\u003eShare: ~4-6% of group revenue\u003c\/li\u003e\n\u003cli\u003eClients: local SMEs, municipalities\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInvestment Income and Market Operations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThe group manages a ¥3.2 trillion securities portfolio (FY2024), including JGBs, corporate bonds, and listed equities that deliver dividends and realized\/unrealized capital gains.\u003c\/p\u003e\n\u003cp\u003eActive market operations on excess liquidity-FX swaps, bond trading, and duration management-boost yield while hedging interest-rate and market risks, complementing loan and fee income.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e¥3.2 trillion portfolio (FY2024)\u003c\/li\u003e\n\u003cli\u003eMix: JGBs, corporate bonds, equities\u003c\/li\u003e\n\u003cli\u003eIncome: dividends + capital gains\u003c\/li\u003e\n\u003cli\u003eTools: duration, FX swaps, trading\u003c\/li\u003e\n\u003cli\u003ePurpose: yield on excess liquidity, risk control\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFY2024: NII Fuels ¥174.7bn Revenue; Fees ¥32.4bn, Digital Target ¥12-15bn\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eNet interest income drove FY2024 revenue to ¥174.7bn (NII ¥142.3bn, +18% YoY); non-interest fees ¥32.4bn (28%); wealth\/advisory avg fee ¥2.4-3.8m; other digital services target ¥12-15bn in 2025; securities portfolio ¥3.2trn. \u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003eFY2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNII\u003c\/td\u003e\n\u003ctd\u003e¥142.3bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFees\u003c\/td\u003e\n\u003ctd\u003e¥32.4bn (28%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital target\u003c\/td\u003e\n\u003ctd\u003e¥12-15bn (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePortfolio\u003c\/td\u003e\n\u003ctd\u003e¥3.2trn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57357636043083,"sku":"kyushu-fg-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/kyushu-fg-canvas-business-model.webp?v=1779147331","url":"https:\/\/valuechainanalysis.com\/products\/kyushu-fg-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}