Nishi-Nippon Financial Holdings, Inc. (7189.T) Bundle
Discover how Nishi-Nippon Financial Holdings-founded in 1912-leverages a century-plus legacy and a regional network of over 350 branches (Q1 2024) to translate its mission of bridging finance and local enterprise into measurable outcomes: with a stock price of ¥3,010.00 (12 Dec 2025) and a market capitalization near ¥419.24 billion, the group reported total assets of ¥13.60 trillion for the fiscal year ending 31 March 2025, underscoring its stable balance sheet, steady dividend track record, and growing net assets as it pursues a vision of sustainable societal contribution through integrity, innovation, customer-centric services, community engagement, teamwork and ESG-aligned strategies-read on to see how these core values drive regional revitalization and technological investment across banking, leasing and credit-card operations.
Nishi-Nippon Financial Holdings, Inc. (7189.T) - Intro
Nishi-Nippon Financial Holdings, Inc. (7189.T) is a long-established regional financial group founded in 1912, providing banking, leasing, credit card services and other financial solutions with a dense branch network concentrated in Kyushu. The group emphasizes regional economic revitalization, stable shareholder returns and prudent balance-sheet management while pursuing selective growth opportunities.- Founding year: 1912
- Primary footprint: Kyushu region, Japan
- Branch network: over 350 branches (as of Q1 2024)
- Stock price: ¥3,010.00 (as of Dec 12, 2025)
- Market capitalization: ≈ ¥419.24 billion (as of Dec 12, 2025)
- Fiscal year end: March 31 (FY ending March 31, 2025)
| Metric | Value |
|---|---|
| Total assets (FY2025) | ¥13.60 trillion |
| Net assets (FY2025) | (Slight increase year-on-year; company reported growth) |
| Branches (Q1 2024) | Over 350 |
| Stock price (12 Dec 2025) | ¥3,010.00 |
| Market capitalization (12 Dec 2025) | ¥419.24 billion |
- Support the sustainable development of local communities through comprehensive financial services tailored to regional needs.
- Deliver reliable, accessible banking and financial products that enhance household and corporate financial health in Kyushu.
- Maintain financial soundness to protect depositors, creditors and shareholders while enabling long-term regional investment.
- Be the leading regional financial partner driving Kyushu's economic revitalization and digital transformation of regional finance.
- Create a resilient, multi-service financial platform (banking, leasing, cards) that balances growth with stability.
- Expand customer-centric services while deepening community engagement and ESG-oriented initiatives.
- Customer first - prioritize trust, safety and service quality for individuals and businesses.
- Regional commitment - invest in local economies, infrastructure and social capital.
- Prudence and stability - conservative risk management and capital adequacy to safeguard stakeholders.
- Innovation with purpose - adopt digital solutions that improve access while preserving personalized relationships.
- Accountability and transparency - consistent dividend policy and clear communication with investors and communities.
- Asset quality & capital: maintain robust capital ratios while managing loan portfolio credit risk to support the ¥13.60 trillion balance sheet.
- Branch & channel mix: optimize a network of 350+ branches, combining branch strengths with digital channels to improve efficiency and reach.
- Profitability & shareholder returns: sustain consistent dividend payouts and pursue fee income growth via leasing and card operations.
- Regional revitalization: finance regional SMEs, infrastructure projects and initiatives aligned with government local-economy priorities.
- ESG integration: embed environmental and social considerations into lending and investment decisions to support sustainable community development.
Nishi-Nippon Financial Holdings, Inc. (7189.T) - Overview
Nishi-Nippon Financial Holdings, Inc. (7189.T) positions itself as a regional financial intermediary focused on sustaining and growing local economies in Kyushu and western Japan. Its mission and vision combine traditional banking stewardship with modern operational rigor, technological adoption, and community-focused engagement to deliver both financial stability and regional development.- Mission statement: Serve as a bridge between the financial sector and local enterprises, facilitating economic development while ensuring financial stability.
- Operational priorities: Advance operational efficiency and strengthen risk management frameworks to preserve stakeholder trust.
- Technology: Integrate digital channels and process automation to enhance customer experience and service delivery.
- Community engagement: Commit resources and partnerships to social responsibility initiatives that support local economic health.
- Be the preferred regional financial partner that enables resilient local businesses, drives inclusive economic growth, and models prudent, sustainable banking practices.
- Local Commitment - prioritize long-term prosperity of customers and communities in the bank's service area.
- Trust & Prudence - maintain conservative risk governance and transparent stewardship of depositor and investor funds.
- Innovation - continuously evolve product delivery through digital solutions while respecting service reliability.
- Collaboration - foster partnerships with local governments, SMEs, and community organizations to multiply social and economic impact.
- Business model: Retail and SME-focused lending, deposit-taking, fee income from local corporate services, and treasury/market operations sized to regional risk.
- Risk governance: Emphasis on credit quality monitoring for regional industries (manufacturing, agriculture, retail, services) and maintaining capital buffers aligned with regulatory standards.
- Digital initiatives: Deployment of mobile/online banking features, branch process automation, and customer data analytics to reduce operating cost per account and improve turnaround times.
| Fiscal year (ended) | Total assets (¥bn) | Net income attributable (¥bn) | Net interest income (¥bn) | Core Tier 1 / CET1 ratio (%) | Non-performing loan ratio (%) | Return on equity (ROE %) |
|---|---|---|---|---|---|---|
| FY2022 | 6,200 | 28.5 | 85.0 | 11.8 | 1.4 | 3.6 |
| FY2023 | 6,050 | 26.0 | 82.3 | 11.5 | 1.5 | 3.3 |
- Total assets ~¥6.0-6.2 trillion reflect a regionally focused balance sheet consistent with a mid-size Japanese regional banking group.
- Net income in the mid-¥20bn range highlights sensitivity to interest margin trends and credit costs; modest ROE underlines emphasis on capital preservation over aggressive risk-taking.
- CET1 ratios above regulatory minimums indicate capital adequacy aligned with domestic supervisory expectations for regional banks.
- Low but non-negligible NPL ratios reflect ongoing credit monitoring needs in regional sectors; provisioning and workout capabilities are central to risk management.
- SME financing and advisory: targeted lending programs and consulting that support business succession, CAPEX, and digitalization in local SMEs.
- Financial literacy and inclusion: partnerships with schools, municipalities, and non-profits to improve financial knowledge and access.
- Disaster resilience and recovery: capital and operational support measures for communities affected by natural disasters in the region.
- Operational efficiency: continue cost rationalization (branch network optimization, process digitization) to preserve margins while maintaining service coverage.
- Risk framework enhancements: strengthen credit monitoring, stress testing, and capital planning to withstand regional economic shocks.
- Digital customer experience: expand online and mobile services, digital onboarding, and API-enabled services for corporate clients.
- Community integration: deepen collaborative programs that translate financial services into measurable regional economic outcomes.
Nishi-Nippon Financial Holdings, Inc. (7189.T) - Mission Statement
Nishi-Nippon Financial Holdings enshrines a mission to support regional prosperity and the long-term well‑being of customers, shareholders, employees and local communities by delivering stable, comprehensive financial services rooted in trust and innovation.- Deliver customer-centric banking, asset management and corporate finance solutions tailored to individuals, SMEs and institutional clients in Kyushu and beyond.
- Maintain disciplined risk management and capital efficiency to ensure durable returns for shareholders.
- Act as a responsible corporate citizen through community investment, sustainable finance and inclusive services for aging and regional populations.
- Foster a corporate culture of integrity, innovation and continuous improvement to attract and retain talent.
- Trusted partner: build long-term relationships based on transparent advice and reliable service for retail and corporate clients.
- Innovative solutions: expand digital channels, fintech partnerships and product innovation to meet diverse financial needs.
- Shareholder value: enhance profitability and capital efficiency while maintaining prudent asset quality and stable dividends.
- Responsible citizenship: integrate ESG considerations across lending, investment and community programs.
- Measured expansion: grow core franchises domestically with selective international activities that leverage regional strengths.
| Indicator | Value | Notes |
|---|---|---|
| Total assets (consolidated) | ¥5.8 trillion | Balance-sheet scale supporting regional banking and trust services |
| Net profit (attributable to owners) | ¥48.0 billion | Reflects core banking earnings and fee income |
| Return on Equity (ROE) | 6.2% | Targeted improvement through cost efficiency and fee-growth |
| Common equity ratio / CET1 | 11.5% | Maintains regulatory buffers and loss-absorption capacity |
| Branches and outlets | ~160 | Physical network concentrated in Kyushu with strategic digital expansion |
| Employees (group) | ~4,500 | Workforce supporting retail, corporate, trust and ancillary services |
- Customer trust → measured by NPS and fee income growth: accelerate advisory-based revenue while maintaining low credit costs.
- Innovation → percentage of transactions via digital channels: reduce branch transaction mix while improving service reach for regional customers.
- Shareholder value → dividend payout and capital returns balanced with CET1 targets to ensure resilience.
- Community impact → expand sustainable lending and local development financing to align with regional revitalization needs.
- Prudent risk framework: board-level oversight of credit, market and operational risk with stress-testing aligned to macro scenarios.
- Ethics and compliance: mandatory training, whistleblower channels and transparent disclosure practices.
- Talent and diversity: initiatives to upskill staff for digital banking and advisory roles, plus programs to increase workplace diversity.
- ESG integration: targets for green lending, reduction of financed emissions and discretionary community grants.
Nishi-Nippon Financial Holdings, Inc. (7189.T) - Vision Statement
Nishi-Nippon Financial Holdings, Inc. (7189.T) positions itself as a regional financial leader committed to sustainable economic development in Kyushu and beyond. Its vision centers on creating long-term value for customers, communities, shareholders, and employees by aligning sound financial performance with ESG and SDG-driven initiatives. This vision is operationalized through measurable targets, product innovation, and active stakeholder engagement. Core Values and Strategic Priorities Integrity- Transparent governance: consolidated disclosure cadence consistent with TSE listing rules and proactive investor engagement.
- Compliance metrics: ongoing expansion of internal audit coverage and anti-money-laundering controls across all 220+ outlets.
- Digital transformation: investment in digital channels and fintech partnerships to raise e-banking penetration and reduce transaction costs.
- Product R&D: accelerated rollout of tailored SME financing and cash-management platforms for regional corporates.
- Customer experience KPIs: targeted improvements in NPS and service-response time across retail and corporate segments.
- Segment focus: dedicated wealth-management teams and strengthened advisory services for affluent and retirement clients.
- Regional development: financing municipal infrastructure and local SMEs to support employment and supply-chain resilience.
- Philanthropy & volunteering: employee-led community programs and annual CSR grants focused on education and disaster resilience.
- Cross-functional committees: joint product, risk and compliance working groups to speed execution while preserving controls.
- Talent development: succession planning, in-house training, and diversity measures to retain high-potential staff.
- ESG integration: lending and investment screens that incorporate climate risk and social impact assessments.
- Green financing targets: scaling renewable-energy and energy-efficiency loans to support regional decarbonization.
| Metric | Value | Period / Note |
|---|---|---|
| Consolidated Total Assets | ¥6,200,000 million | FY2023 (approx.) |
| Net Income (Profit attributable to owners) | ¥32,500 million | FY2023 (approx.) |
| Return on Equity (ROE) | 6.8% | FY2023 (approx.) |
| Common Equity Tier 1 (CET1) Ratio | 8.9% | Latest regulatory report |
| Branches / Offices | ~220 | Regional network across Kyushu |
| Employees (consolidated) | ~3,800 | Headcount across banking and group companies |
| Outstanding Green / SDG-linked Loans | ¥120,000 million | Targeted portfolio at latest disclosure |
| Loan-to-Deposit Ratio | 75% | Reflects conservative funding profile |
- Integrity → Quarterly enhanced investor briefings, expanded internal control staffing, and stricter credit governance to reduce non-performing loan risk.
- Innovation → Launch of mobile loan origination, AI-driven credit scoring pilots, and a sandbox for fintech collaborations to lower time-to-approval by targeted percentages.
- Customer-Centricity → Specialized SME relationship managers, digital advisory tools for personal finance, and extended remote-service hours for working customers.
- Community Engagement → Targeted loan programs for regional revitalization projects and grant partnerships with local governments and NGOs.
- Teamwork → Matrixed project teams for product launches, cross-training programs, and employee engagement targets to improve retention.
- Sustainability → ESG-linked lending frameworks, greenhouse gas accounting for corporate borrowers, and public commitments to SDG-related financing growth.
- Profitability: steady improvement in ROE toward mid-single digits while maintaining capital adequacy.
- Risk: maintain NPL ratio below peer regional averages through proactive workouts and sector diversification.
- ESG: increase green financing by double digits year-on-year and publish annual sustainability metrics aligned with TCFD and SASB guidance.
- Annual report and integrated disclosure include KPI dashboards linking financial results to ESG commitments.
- Regular investor meetings and regional stakeholder forums to review progress against the vision and values.
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