{
  "timeline": [
    {
      "date": "1877/9",
      "category": "会社設立",
      "region": "",
      "importance": 3,
      "event": "第十七国立銀行が創立",
      "detail": "福岡銀行の創業年として現在まで用いられている前身行。11月開業",
      "significance": "九州における近代銀行業の起点。福岡銀行のDNAの原点",
      "source": ""
    },
    {
      "date": "1878/11",
      "category": "会社設立",
      "region": "",
      "importance": 2,
      "event": "第九十六国立銀行が設立",
      "detail": "のちの筑邦銀行（農村銀行合併の中核）の発祥",
      "significance": "福岡県南部の農村金融を支えた前身行の出発点",
      "source": ""
    },
    {
      "date": "1896/3",
      "category": "組織再編",
      "region": "",
      "importance": 2,
      "event": "嘉穂銀行設立",
      "detail": "石炭王・麻生太吉ら炭鉱事業家が飯塚市など炭田地帯に設立",
      "significance": "筑豊炭田経済を支えた石炭資本系銀行として、後の福岡銀行の筑豊地盤を形成",
      "source": ""
    },
    {
      "date": "1941/2",
      "category": "組織再編",
      "region": "",
      "importance": 2,
      "event": "福岡貯蓄銀行誕生",
      "detail": "嘉穂貯蓄・筑豊貯蓄・三池貯蓄の3行が合併した県下唯一の貯蓄銀行",
      "significance": "戦時統制下の貯蓄銀行再編の一例。後の福岡銀行合併対象へ",
      "source": ""
    },
    {
      "date": "1941/9",
      "category": "組織再編",
      "region": "",
      "importance": 2,
      "event": "筑邦銀行新立合併",
      "detail": "福岡県南部18農村銀行が一挙に合併",
      "significance": "戦時1県1行主義の典型事例",
      "source": "",
      "amount": "18行合併"
    },
    {
      "date": "1945/3",
      "category": "会社設立",
      "region": "",
      "importance": 4,
      "event": "福岡銀行設立",
      "detail": "十七銀行・筑邦銀行・嘉穂銀行・福岡貯蓄銀行の4行新立合併。本店福岡市",
      "significance": "政府の1県1行主義により誕生。九州最大かつ全国地銀預金高第1位の有力行として発足",
      "source": "",
      "amount": "資本金2500万円、店舗131カ店"
    },
    {
      "date": "1948/11",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "東京支店開設",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "1949/6",
      "category": "株式上場",
      "region": "",
      "importance": 2,
      "event": "福岡証券取引所に株式上場",
      "detail": "",
      "significance": "地場証取への上場により資金調達基盤を整備",
      "source": ""
    },
    {
      "date": "1951/4",
      "category": "経営計画",
      "region": "",
      "importance": 1,
      "event": "外国為替業務取扱開始",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "1952",
      "category": "組織再編",
      "region": "",
      "importance": 2,
      "event": "増資により資本金5.5億円",
      "detail": "金融機関再建整備法下で9割切捨て後の増資",
      "significance": "戦後金融再建プロセスを経て財務基盤を再構築",
      "source": "",
      "amount": "資本金5億5000万円"
    },
    {
      "date": "1953/7",
      "category": "組織再編",
      "region": "",
      "importance": 3,
      "event": "従業員ストライキ",
      "detail": "銀行史上初とされる同行従業員による争議",
      "significance": "労使紛争激化と石炭産業斜陽化により地銀トップの座から下る転機",
      "source": ""
    },
    {
      "date": "1955/5",
      "category": "",
      "region": "",
      "importance": 3,
      "event": "蟻川五二郎が頭取就任",
      "detail": "日本銀行考査役から招聘。以後4代日銀OBがトップを占める",
      "significance": "労使問題解決と経営安定化を日銀OBに託す体制の始まり",
      "source": ""
    },
    {
      "date": "1957",
      "category": "経営計画",
      "region": "",
      "importance": 2,
      "event": "業績振興3カ年計画開始",
      "detail": "労使協調実現とあわせて推進",
      "significance": "戦後復興後の再成長に向けた計画経営の起点",
      "source": ""
    },
    {
      "date": "1964/4",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "県および福岡・北九州・久留米市等の指定金融機関となる",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "1967",
      "category": "経営計画",
      "region": "",
      "importance": 1,
      "event": "第3次長期計画開始",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "1971/1",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "久留米事務所開設",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "1971/8",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "北九州本部新設",
      "detail": "政令指定都市化に合わせた体制強化",
      "significance": "",
      "source": ""
    },
    {
      "date": "1975/8",
      "category": "設備投資",
      "region": "",
      "importance": 2,
      "event": "新本店ビル完成",
      "detail": "地上11階・地下4階",
      "significance": "悲願の新本店実現により業務効率を一段と高めた",
      "source": ""
    },
    {
      "date": "1977/6",
      "category": "設備投資",
      "region": "",
      "importance": 2,
      "event": "総合オンラインシステム稼働",
      "detail": "",
      "significance": "地銀における本格的オンライン化の節目",
      "source": ""
    },
    {
      "date": "1978/10",
      "category": "株式上場",
      "region": "",
      "importance": 3,
      "event": "東証・大証第2部に上場",
      "detail": "",
      "significance": "地場取引所から中央市場への進出",
      "source": ""
    },
    {
      "date": "1980/9",
      "category": "株式上場",
      "region": "",
      "importance": 2,
      "event": "東証・大証第1部に指定替え",
      "detail": "",
      "significance": "全国区の銀行としての地位確立",
      "source": ""
    },
    {
      "date": "1982/9",
      "category": "組織再編",
      "region": "欧州",
      "importance": 2,
      "event": "ロンドン駐在員事務所開設",
      "detail": "のちに支店昇格",
      "significance": "地銀として早期の欧州拠点化",
      "source": ""
    },
    {
      "date": "1985/5",
      "category": "組織再編",
      "region": "中国",
      "importance": 2,
      "event": "香港駐在員事務所開設",
      "detail": "1987年に支店昇格",
      "significance": "アジア戦略の起点となる最重要拠点",
      "source": ""
    },
    {
      "date": "1986/5",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "ニューヨーク駐在員事務所開設",
      "detail": "のちに支店昇格",
      "significance": "",
      "source": ""
    },
    {
      "date": "1990/11",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "フランクフルト駐在員事務所開設",
      "detail": "のち閉鎖",
      "significance": "",
      "source": ""
    },
    {
      "date": "1991/5",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "ソウル駐在員事務所開設",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "1993/8",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "バンコク駐在員事務所開設",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "1995",
      "category": "",
      "region": "",
      "importance": 2,
      "event": "プレミアム金利付き定期預金「OH！ホークス」発売",
      "detail": "ダイエーホークス優勝で金利0.5％上乗せ。創立50周年記念商品",
      "significance": "地域密着型マーケティングの成功事例として地元で大きな反響を呼んだ",
      "source": "",
      "amount": "金利上乗せ0.5％"
    },
    {
      "date": "1995/3",
      "category": "組織再編",
      "region": "中国",
      "importance": 1,
      "event": "上海駐在員事務所開設",
      "detail": "",
      "significance": "",
      "source": ""
    },
    {
      "date": "2006/5",
      "category": "業務提携",
      "region": "",
      "importance": 2,
      "event": "福岡銀行と熊本ファミリー銀行(以下、総称して、「両行」という。)は、業務・資本提携に関する「基本合意書」を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2006/9",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "両行は、「経営統合に関する基本合意書」を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2006/10",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "両行は、「共同株式移転契約」を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2006/12",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "両行の臨時株主総会及び熊本ファミリー銀行の各種種類株主総会において、両行が共同株式移転の方法により当社を設立し、両行がその完全子会社となることについて承認決議。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2007/3",
      "category": "組織再編",
      "region": "",
      "importance": 3,
      "event": "両行が共同して、金融庁より銀行持株会社の設立等に関わる認可を取得。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2007/4",
      "category": "企業買収",
      "region": "",
      "importance": 4,
      "event": "ふくおかフィナンシャルグループ設立",
      "detail": "福岡銀行・熊本ファミリー銀行・親和銀行による広域地銀再編で持株会社化。初代社長谷正明",
      "significance": "九州広域の地銀再編を主導し、地域金融再編モデルを提示",
      "source": "",
      "amount": "3行統合"
    },
    {
      "date": "2007/5",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "親和銀行を完全子会社とする経営統合を実施し、親和銀行の経営再建及び資本支援等の実施を内容とする「経営支援に係る基本合意書」を九州親和ホールディングス及び親和銀行と締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2007/7",
      "category": "事業売却",
      "region": "",
      "importance": 2,
      "event": "当社及び九州親和ホールディングス、親和銀行は、関係当局の認可等を前提として、当社が九州親和ホールディングスの保有する親和銀行及びしんわＤＣカードの株式の全部を、2007年10月１日以降において総額760億円で取得すること等を約した株式譲渡契約を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2007/9",
      "category": "企業買収",
      "region": "",
      "importance": 3,
      "event": "親和銀行が実施した第三者割当増資の引受けを行い、親和銀行を連結子会社化。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2007/10",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "九州親和ホールディングスが持つ親和銀行株式の買取を行い、親和銀行を完全連結子会社化。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2009/1",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "熊本ファミリー銀行が福岡銀行・広島銀行の共同利用型基幹システムへ参加。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2009/2",
      "category": "組織再編",
      "region": "",
      "importance": 1,
      "event": "熊本ファミリー銀行及び親和銀行が有する事業再生事業及び不良債権処理事業を吸収分割により福岡銀行に承継。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2010/1",
      "category": "組織再編",
      "region": "",
      "importance": 2,
      "event": "親和銀行が共同利用型基幹システムへ参加し、グループ３行のシステム統合が完了。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2013/4",
      "category": "",
      "region": "",
      "importance": 2,
      "event": "熊本ファミリー銀行が熊本銀行に商号変更。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2014/6",
      "category": "社長交代",
      "region": "",
      "importance": 2,
      "event": "柴戸隆成が社長就任",
      "detail": "",
      "significance": "第2代社長としてデジタル化・効率化路線へ",
      "source": ""
    },
    {
      "date": "2016/2",
      "category": "企業買収",
      "region": "",
      "importance": 3,
      "event": "十八銀行との間で、「経営統合に関する基本合意書」を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2017/3",
      "category": "",
      "region": "",
      "importance": 3,
      "event": "純損失▲543億円に転落",
      "detail": "経常利益▲344億円も計上",
      "significance": "日銀マイナス金利導入期の地銀収益急悪化を象徴する期",
      "source": "有価証券報告書",
      "amount": "純損失▲54,300百万円、経常損失▲34,441百万円"
    },
    {
      "date": "2018/10",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "十八銀行との間で、当社を株式交換完全親会社、十八銀行を株式交換完全子会社とする「株式交換契約書」を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2019/1",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "十八銀行の臨時株主総会において、株式交換契約について承認決議。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2019/4",
      "category": "企業買収",
      "region": "",
      "importance": 3,
      "event": "十八銀行との株式交換を行い、十八銀行を完全連結子会社化。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2019/8",
      "category": "",
      "region": "",
      "importance": 2,
      "event": "みんなの銀行設立準備会社を設立。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2020/5",
      "category": "組織再編",
      "region": "",
      "importance": 2,
      "event": "親和銀行及び十八銀行が合併契約を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2020/10",
      "category": "組織再編",
      "region": "",
      "importance": 3,
      "event": "親和銀行及び十八銀行が合併し、十八親和銀行が発足。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2020/12",
      "category": "",
      "region": "",
      "importance": 2,
      "event": "みんなの銀行設立準備会社がみんなの銀行に商号変更。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2021/1",
      "category": "組織再編",
      "region": "",
      "importance": 2,
      "event": "旧十八銀行のシステムを共同利用型基幹システムに移行し、システム統合が完了。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2021/5",
      "category": "組織再編",
      "region": "",
      "importance": 4,
      "event": "みんなの銀行開業",
      "detail": "日本初のデジタルネイティブバンク。BaaSモデルとアプリ完結型を標榜",
      "significance": "国内デジタル銀行の先行事例として業界に新モデルを提示",
      "source": "IR"
    },
    {
      "date": "2022/4",
      "category": "社長交代",
      "region": "",
      "importance": 2,
      "event": "五島久が社長就任",
      "detail": "第3代社長。バンキングアプリ導入・理念体系刷新を推進",
      "significance": "デジタル×地域×専門人財路線への転換",
      "source": ""
    },
    {
      "date": "2022/11",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "福岡中央銀行との間で、「経営統合に関する基本合意書」を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2023/3",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "福岡中央銀行との間で、当社を株式交換完全親会社、福岡中央銀行を株式交換完全子会社とする「株式交換契約書」を締結。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2023/6",
      "category": "企業買収",
      "region": "",
      "importance": 1,
      "event": "福岡中央銀行の定時株主総会及び種類株主総会において、株式交換契約について承認決議。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2023/10",
      "category": "企業買収",
      "region": "",
      "importance": 2,
      "event": "福岡中央銀行との株式交換を行い、福岡中央銀行を完全連結子会社化。",
      "detail": "",
      "significance": "",
      "source": "有価証券報告書"
    },
    {
      "date": "2025/9",
      "category": "経営計画",
      "region": "",
      "importance": 3,
      "event": "3年後純利益1,000億円目標を明示",
      "detail": "中計最終年度のシステム関連コスト約250億円・DX投資約100億円等を開示",
      "significance": "金利上昇局面を捉えたトップライン成長と投資拡大を明確化",
      "source": "IR",
      "amount": "純利益目標1,000億円"
    },
    {
      "date": "2026/1",
      "category": "企業買収",
      "region": "",
      "importance": 3,
      "event": "みんなの銀行とメルペイ社が提携",
      "detail": "2027年度440万口座目標のうち残り300万口座の3割を本提携で獲得する計画",
      "significance": "BaaS戦略の最大の試金石。休眠口座数千件アクティブ化の初期効果",
      "source": "IR",
      "amount": "会員獲得計画90万口座規模"
    }
  ]
}