The Fukui Bank, Ltd. (8362) Stock Price

Market cap
¥85.8B
P/E ratio
14x
Fukui Bank Group provides comprehensive banking, lending, and financial services to businesses and individuals across the Fukui region through multiple subsidiaries.

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Business Overview

The Fukui Bank Group consists of Fukui Bank and its affiliated companies, providing comprehensive financial services centered on banking operations. Through its head office, branches, and business offices, Fukui Bank offers deposit services, lending services, domestic remittance services, foreign exchange services, and other diverse products and services as a financial partner to the region.

Fukuho Bank, a consolidated subsidiary of Fukui Bank, similarly provides deposit and lending services through its head office and branches, meeting the region's financial needs. Through these operations, the Fukui Bank Group as a whole delivers financial services that contribute to the local community.

Additionally, through subsidiaries such as Fukui Capital & Consulting and Fukui Credit Guarantee Service, the group provides consulting services, guarantee services, lease services, and credit card services. This structure enables the group to meet the diverse needs of both businesses and individuals.

The Fukui Bank Group conducts computer-related operations through Fukui Net and provides worker dispatch and employment placement services through Fukui Career Management. Fukui Hitomono Design handles the sales of local specialty products, while Fukui Digital plans and operates smartphone applications.

Furthermore, through Fukui Capital Partners, the group manages and operates investment partnerships, supporting regional revitalization and emerging enterprises. Through these initiatives, the Fukui Bank Group contributes to the development of the regional economy.

Management Policy

Fukui Bank's corporate philosophy centers on fostering regional industries and enabling residents to achieve prosperous lives. Based on this philosophy, the bank's management strategy is to realize "Triangle Balance"—balancing and enhancing employee satisfaction, customer satisfaction, and shareholder satisfaction equally. Through this approach, the bank aims to provide products and services closely aligned with regional needs.

Starting in April 2022, Fukui Bank launched "F Project Vision 2032," a 10-year long-term management plan and the first medium-term management plan. Under the first medium-term plan, the bank is executing 11 action plans based on five strategic pillars: wellbeing, consulting, usability, fundamentals, and functional capabilities.

In preparation for its planned merger with Hokuho Bank in May 2026, Fukui Bank extended the first medium-term management plan period through March 2026. Following the merger, the bank aims to evolve as a regional problem-solving business and realize a "regional value circulation model." This will contribute to revitalizing the regional economy.

Fukui Bank is building a solution network through collaboration with local government and related organizations to address structural regional challenges. The bank is tackling issues including increased visitor traffic, digital transformation promotion, and decarbonization. Additionally, the bank is advancing initiatives to realize employee wellbeing.

Fukui Bank positions the management integration with Hokuho Bank as a means to evolve into a regional problem-solving business. The bank aims to realize integration synergies early and expand the region's financial foundation. Through this, the bank seeks to strengthen its presence as a financial partner to the region and contribute to regional economic development.

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