Higo Bank

Founding of Higo Bank

Founding of Higou Cooperative Bank (merger of Kumamoto, Aita, Ueki banks)

Higou Bank and name change

Acquisition of business from Ashikita Bank

Acquisition of business from Koguni, Iseri, Yatsushiro Kyodai banks

Chapter 1: Founding of Higo Cooperative Bank to End of War [1925 (Taisho 14) – 1945 (Showa 20)]

Chapter 2: Higou Bank during the post-war reconstruction era [1945 (Showa 20) – 1955 (Showa 30)]

Chapter 3: Higou Bank during the high-growth era [1955 (Showa 30) – 1975 (Showa 50)]

Approval for Foreign Exchange Business (Type B) Handling

Listed on the Fukuoka Stock Exchange

Foreign exchange online launch

Establishment of Higou General Lease Co., Ltd. (now Higino Lease Co., Ltd.)

Chapter 4: Higou Bank during the stable growth era [1975 (Showa 50) – 1985 (Showa 60)]

Start of online ordinary deposit transfer

Establishment of Higino Loan Center Co., Ltd. (now Higino Business Support Co., Ltd.)

Commencement of public bond window sales operations

Listed on the second section of both Tokyo and Osaka Stock Exchanges

Establishment of Higino Business Development Co., Ltd. (now Higino Business Education Co., Ltd.)

Chapter 5: Higou Bank during the financial liberalization and internationalization era [1985 (Showa 60) – 1995 (Heisei 7)]

Completion of the new administrative center

Listed on the first section of both Tokyo and Osaka Stock Exchanges

First Unsecured Convertible Bond Issue (Total Issue Amount 15 Billion Yen)

Establishment of Higino Computer Services Co., Ltd. (now Kyushu Digital Solutions Co., Ltd.)

Establishment of Higino World Card Co., Ltd. (now Higino Card Co., Ltd.)

Establishment of Higino JSCB Card Co., Ltd. (now Higino Card Co., Ltd.)

Introduction of VI (Visual Identity)

Commencement of trust services

Chapter 6: Higou Bank during the deflationary economy and financial transformation era [1995 (Heisei 7) – 2005 (Heisei 17)]

Establishment of Higino Venture Capital Co., Ltd. (now Higino Capital Co., Ltd.)

Start of mutual fund window sales

Commencement of internet banking services

Opening of Loan Plaza (now Higino Loan Plaza)

ATM partnership with Japan Post Savings

Start of retail sales of insurance products

Commencement of handling "Higo Bank Lottery Service"

Commencement of handling defined contribution pension management operations

Commencement of handling "Higo Bank Telephone Banking Service"

Business partnership with Seven Bank; convenience store ATM service launched

Opening of Shanghai Representative Office

Entry into securities brokerage business

Chapter 7: Higou Bank during the global financial crisis and long-term economic recovery period [2005 (Heisei 17) – 2015 (Heisei 27)]

Opening of Financial Plaza on the street

Opening of Higo Bank Business Loan Center (Higo Bank Business Loan Plaza)

Expansion of convenience store ATM service; service launched at Lawson, FamilyMart, and other ATMs

Commencement of handling internet mutual fund transactions

Launch of credit-integrated cash card "Harmonika"

Merger of Higo J.C.B. Card Co., Ltd. and Higo World Card Co., Ltd.; renamed to Higo Card Co., Ltd.

Additional acquisition of shares of Higo Lease Co., Ltd.; became a consolidated subsidiary

Launch of "Higo Business FX Web" service

Basic agreement on management integration through establishment of a holding company with Kagoshima Bank Co., Ltd.

Chapter 8: Higou Bank during the paradigm shift era [2015 (Heisei 27) – 2025 (Reiwa 7)]

Commencement of operations at the new headquarters building

Delisting of shares from the Tokyo Stock Exchange and Fukuoka Stock Exchange

Launch of smartphone app "Higo Bank App"

Investment in Kumamoto DMC Co., Ltd.

Installation of "Disaster Prevention Wells" at 10 stores within the prefecture

Start of trust product handling at the main bank

Opening of Fukuoka Branch Fukuoka Corporate Sales Office

Operation of the new core system

JR Kyushu FG Lease Co., Ltd. becomes a subsidiary

Awarded the Japan Management Quality Award

Start of sales for Global Cloud Funding Co., Ltd.

Transition to a company with an Audit Committee

Establishment of Kyushu Mirai Investments Co., Ltd.

Opening of Taipei Representative Office

Establishment of KS Energy Co., Ltd.

Opening of MiYoshi Smart Branch

Higou Bank celebrated its 100th anniversary on July 25, 2025.