Evolving the business model

「We will also incorporate technological innovations such as AI and enhance the functions of digital channels such as the "banking app" and "BIZSHIP." By combining the functions of physical branches and digital channels, and the strengths of people and digital technology, we will provide customers with optimal solutions.」

「I. Transforming the existing business We will make thorough use of digital technologies and AI to gain a deep understanding of customers through communication via digital channels such as apps and through our branches, and provide solutions, including products and services, that support individual customers' life plans and business customers' businesses.」

「We will further expand the functions of the banking app for individuals, the business portal "BIZSHIP" and SFA (sales force automation), all released in fiscal 2023, while also working to improve the digital literacy of all employees. In parallel, centered on Fukuoka Bank, we will review our sales structure. Specifically, we will expand sales coverage and implement an "area-unit system" in Fukuoka Prefecture under which multiple branches are operated as a single unit.」

「"Transforming the existing business model" is at the core of FFG's growth strategy and is an initiative that integrates digitalization, business reform and sales reform from end to end.」

「"Business Reform 2nd" will build digital channels such as a banking app for individuals and a WEB portal for businesses, expanding points of contact with customers while enabling all banking transactions to be conducted remotely, thereby improving customer convenience and operational productivity. "Sales Reform" will provide advanced financial services anytime and anywhere with a high level of attention to detail through enhanced communication with customers via digital channels, the use of data and improved skills among sales personnel.」

「We will accelerate the structural reforms pursued to date, invest the resources freed up in growth areas and other fields, and advance the business model through the use of digital technologies, while also developing a sales platform to support further expansion of our business domains.」

「Under "advancement of the business model," we will identify customers' true issues and needs through dialogue, and establish a customer-oriented solutions sales model that earns genuine recognition from customers by providing highly specialized, high-quality financial services to both corporate and individual customers.」

「In fiscal 2019, we will pursue various strategies and initiatives based on the five basic strategies of structural reform, namely "business process restructuring," "advancement of the business model" and "promotion of digital transformation," together with "maximizing human capital" and "strengthening the Group's collective capabilities" to support them, in line with the plan's basic policy of "realizing a virtuous cycle between contributing to regional economic development and enhancing FFG's corporate value."」

「In fiscal 2019, we will pursue various strategies and initiatives based on the five basic strategies of structural reform, namely "business process restructuring," "advancement of the business model" and "promotion of digital transformation," together with "maximizing human capital" and "strengthening the Group's collective capabilities" to support them, in line with the plan's basic policy of "realizing a virtuous cycle between contributing to regional economic development and enhancing FFG's corporate value."」

「We will pursue various strategies and initiatives based on five basic strategies: structural reform through the “reengineering of business processes,” “advancing the sophistication of the business model,” and “promoting digital transformation,” supported by “maximizing human resources” and “strengthening the collective strength of the group.”」

「In fiscal 2018, we will pursue various initiatives for “evolution” based on the four basic strategies defined in this plan: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」

「In fiscal 2018, we will pursue various initiatives for “evolution” based on the four basic strategies defined in this plan: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」

「We will develop comprehensive banking services for all corporate and individual customers more professionally throughout our home region of Kyushu, providing products and services based on customers’ explicit and latent needs through the optimal channels at the optimal times.」

「We will pursue various strategies and initiatives based on four basic strategies: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」

「We will pursue various strategies and initiatives based on four basic strategies: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」

「We will pursue various strategies and initiatives based on four basic strategies: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」

「We will develop comprehensive banking services for all corporate and individual customers more professionally throughout our home region of Kyushu, providing products and services based on customers’ explicit and latent needs through the optimal channels at the optimal times. We will establish FFG’s unique comprehensive banking business model, develop initiatives for assessing customers’ business potential through comprehensive banking services, capture all of our customers’ needs, and expand our sales platform and strengthen our earning power.」

「We will pursue various strategies and initiatives based on four basic strategies: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」

「We will pursue various strategies and initiatives based on four basic strategies: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」

「Our group launched the Fifth Medium-Term Management Plan, “The Best Regional Bank: Our Goal,” this fiscal year. With the aim of establishing a robust management foundation and business model capable of withstanding future changes in the operating environment, we will pursue various strategies and initiatives based on four basic strategies: “evolving the business model,” “strengthening human resources,” “leveraging the collective strength of the group,” and “building a strong brand.”」