福岡経済ニュース：福岡銀行と西日本シティ銀行、固定金利を引き上げ
2025年10月16日 6:00
※この記事は有料会員限定です。
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福岡銀行と西日本シティ銀行は、10月の住宅ローンの固定金利（10年、最優遇）を前月から0.1％引き上げました。
目安となる長期金利の動きを受けた対応となっています。
詳細な住宅ローン金利表については、西日本新聞meの有料会員限定コンテンツでご覧いただけます。
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【ご案内】
クリップ機能は有料会員の方のみご利用いただけます。7日間の無料トライアルも実施中です。
1日37円で読み放題、年払いならさらにお得にご利用いただけます。
西日本新聞meについての詳細は公式サイトをご確認ください。
https://www.nishinippon.co.jp/item/1411812/
MANILA, Philippines —
Electricity transmission rates are set to experience a slight decrease in the upcoming October electricity billing cycle, the National Grid Corp. of the Philippines (NGCP) announced.
During a media briefing held on Wednesday, Julian Ryan Datingaling, head of NGCP’s revenue management department, revealed that the overall transmission rates for the September 2025 billing period have dropped by 1.23 percent.
This reduction brings the transmission rate down to ₱1.3998 per kilowatt, providing some relief to consumers in their electricity expenses.
The NGCP continues to monitor and manage transmission costs to ensure efficient and reliable power delivery across the country.
https://business.inquirer.net/552699/power-transmission-rates-dip-in-october-billing
MANILA, Philippines – The deepening probe into anomalous flood control projects could hurt the asset quality of Philippine banks, Fitch Ratings warned.
Delays in public works may squeeze the cash flows of contractors, undermining their ability to repay loans.
Tamma Febrian, director of the financial institutions team at Fitch, noted that banks with higher exposure to these contractors could face increased risks.
https://business.inquirer.net/552578/fitch-infra-graft-probe-may-hurt-ph-banks-loan-quality
（最終更新 18:40）
米金融大手ゴールドマン・サックスの国内グループ会社に勤めていたフランス国籍の男性が、正当な理由なく解雇されたとして未払い賃金などを求めた訴訟の判決で、東京地裁は10月14日、解雇無効と認め、約760万円の支払いを命じました。
詳細は有料会員限定の記事となっております。記事の続きをご覧いただくには、7日間無料トライアル（1日37円）または年払いプランをご利用ください。
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経済：百貨店、訪日客減少で苦戦 大手2社決算、円高が影響
2025年10月14日 19:32（最終更新 19:33）
百貨店大手2社の2025年8月中間連結決算が14日に出そろった。J・フロントリテイリングは減益となり、一方の高島屋は固定資産の売却により増益を確保したものの、国内百貨店事業は依然として苦戦が続いている。
前年に比べて為替相場が円高に振れたことが影響し、訪日外国人客の減少が売上に響いている状況だ。
（この記事は有料会員限定です。残り259文字）
7日間無料トライアル、1日37円で読み放題。年払いならさらにお得です。
MANILA, Philippines – A solid cushion of foreign reserves and an anticipated easing action by the US Federal Reserve (Fed) this month could give the Bangko Sentral ng Pilipinas (BSP) room to front-load further rate cuts. This move aims to support growth without putting too much pressure on the peso.
In a note to clients, BMI Research, a unit…
https://business.inquirer.net/552414/more-bsp-rate-cuts-likely-ahead-says-fitch-unit
MANILA, Philippines – The Securities and Exchange Commission (SEC) has issued a warning to the public regarding a newly established business that is allegedly posing as a farm goods service provider.
The company has been soliciting investments from the public without the proper registration, which raises concerns about the legitimacy of their operations.
In addition, the SEC cautioned the public to be wary of individuals who introduce themselves as representatives of stock brokers.
This advisory was posted recently to help protect investors from potential scams and fraudulent activities.
https://business.inquirer.net/552416/sec-warns-public-vs-firm-posing-as-agri-goods-trader
In a major reform aimed at enhancing the ease of living for over 70 million account holders, the Employees’ Provident Fund Organisation (EPFO) has approved liberalised partial withdrawal rules. According to PTI reports, these changes now allow up to 100 per cent withdrawal of the eligible provident fund balance.
During the recent meeting of the Central Board of Trustees (CBT), chaired by Union Minister Mansukh Mandaviya, a key decision was made to simplify the existing 13 complex withdrawal rules into just three clear categories: Essential Needs (such as illness, education, and marriage), Housing Needs, and Special Circumstances.
### Key Highlights of the New Withdrawal Rules
– **Full Withdrawal Allowed:** Members can now withdraw 100 per cent of both employee and employer contributions.
– **Increased Withdrawal Limits:** Education withdrawals can be made up to 10 times the earlier limit, and marriage withdrawals up to 5 times, up from a previously combined limit of 3.
– **Reduced Service Requirement:** The minimum service period to qualify for partial withdrawals has been reduced to 12 months.
– **Special Circumstances Simplified:** Under this category, members no longer need to specify reasons for withdrawal, significantly reducing claim rejections.
– **Minimum Balance Requirement:** A minimum balance of 25 per cent of the fund must be retained to ensure long-term retirement savings.
– **Documentation-free Process:** The EPFO aims for 100 per cent auto-settlement of claims with minimal paperwork.
### Revised Final Settlement Rules
The CBT also revised the final settlement rules to expedite withdrawals:
– The waiting period for full EPF withdrawal has been reduced to 12 months from the earlier 2 months.
– For final pension withdrawal, the waiting period has been extended to 36 months.
### Vishwas Scheme for Penalty Cases
To ease litigation related to delayed contributions, EPFO has introduced the ‘Vishwas Scheme’ for pending penalty cases under Section 14B. The scheme offers a flat 1 per cent monthly penalty, with lower rates for shorter defaults. It covers both pending and ongoing litigations and will remain operational for six months, with a possible extension of another six months.
### Doorstep Digital Life Certificate Services
In collaboration with India Post Payments Bank (IPPB), the board approved a Memorandum of Understanding (MoU) to provide doorstep Digital Life Certificate (DLC) services to EPS 1995 pensioners free of charge. This initiative aims to assist elderly pensioners, especially in rural areas, in continuing to receive their pensions smoothly.
### EPFO 3.0 Digital Revamp
As part of the EPFO 3.0 digital transformation, a new member-centric digital framework was approved. This framework integrates core banking solutions, cloud-native technology, and an API-first architecture to offer several benefits: faster and automated claims processing, payroll-linked contributions, and self-service options in multiple languages.
### New Fund Managers for EPFO Debt Portfolio
Four fund managers have been selected to manage EPFO’s debt investment portfolio for a five-year term. This move is geared towards ensuring safe and effective investment of retirement savings.
### Conclusion
Minister Mansukh Mandaviya also launched several digital initiatives designed to make EPFO more efficient and user-friendly. These reforms mark a significant step towards simplifying the provident fund experience and empowering members with greater control over their retirement savings.
*(With PTI inputs)*
https://www.mid-day.com/news/india-news/article/epfo-simplifies-13-complex-claim-rules-allows-100-per-cent-partial-withdrawal-check-complete-details-here-23598521
**Indian Government May Amend Companies Act to Boost Local Auditors**
*By Mudit Dube | Oct 13, 2025, 02:41 PM*
The Ministry of Corporate Affairs (MCA) is considering significant amendments to the Companies Act aimed at strengthening the position of domestic audit firms. This initiative is part of a broader effort to help Indian auditors compete more effectively with global giants such as Deloitte, PwC, EY, and KPMG. The proposed changes are expected to be introduced through the Companies Act Amendment Bill.
**Relaxing Partner Composition Norms**
One of the key proposals under consideration is the relaxation of partner composition norms for audit firms. Currently, Section 141(1) of the Companies Act mandates that a majority of partners practicing in India within an audit firm must be chartered accountants. The amendment seeks to modify this requirement to offer greater flexibility and encourage the growth of local firms.
**Tender Reforms to Increase Domestic Participation**
Apart from legislative changes, the government is also evaluating reforms in tender norms related to government audits. At present, large-value government audit contracts are predominantly won by international audit firms. To boost opportunities for Indian firms, the government plans to make participation of domestic auditors mandatory in government tenders and adjust eligibility criteria to widen the bidder base.
**Role of ICAI and Regulatory Alignment**
The Institute of Chartered Accountants of India (ICAI) has been engaged to help align regulatory frameworks with global best practices. As part of this collaboration, ICAI is finalizing a digital platform to facilitate mergers among CA firms, aiming to strengthen the domestic audit sector. These regulatory enhancements are expected to roll out in the coming months alongside the legislative changes.
**Proposed Amendments to Conflict-of-Interest Provisions**
In addition to partner composition reforms, amendments to Section 144 of the Companies Act are also being considered. Section 144 governs conflict-of-interest provisions, and the proposed changes intend to ensure the regulatory environment evolves in line with new business models in auditing and advisory services.
**Towards a Level Playing Field**
Collectively, these proposed amendments and policy initiatives are designed to create a more level playing field for Indian audit firms by enhancing their capacity to compete against international counterparts. The government’s focus on strengthening domestic capabilities signals a strategic move to nurture local talent and increase indigenous participation in the critical audit segment.
*Stay tuned for updates as the Companies Act Amendment Bill progresses through the legislative process.*
https://www.newsbytesapp.com/news/business/indian-government-may-tweak-companies-act-to-boost-local-auditors/story
**BOBCARD Offers Big Discounts on Domestic and International Flights This Festive Season**
*By Dwaipayan Roy | October 12, 2025, 05:21 PM*
Bank of Baroda’s credit card division, BOBCARD, is bringing exciting discounts on both domestic and international flight bookings through various popular travel platforms. These offers are valid from October 7 to December 31, 2025, just in time for the festive season and year-end vacations when air travel demand surges.
### Discount Details by Travel Platform
**MakeMyTrip & Goibibo**
MakeMyTrip cardholders can enjoy a 12% discount (up to ₹1,600) on domestic flights booked for over ₹7,000. For international flights exceeding ₹30,000, a 10% discount is available, capped at ₹7,000. These offers are valid only on Tuesdays and Fridays. Promo codes to avail these discounts are:
– Domestic flights: `MMTBOBEMI`
– International flights: `MMTBOBINTEMI`
Goibibo users get similar offers with the following codes:
– Domestic flights: `GOBOBEMI`
– International flights: `GOBOBINTEMI`
**Tata Neu Flights & Yatra**
Tata Neu Flights customers can avail a 10% discount (up to ₹1,000) on domestic bookings over ₹5,000. For international flights booked above ₹15,000, the discount also stands at 10%, with a maximum limit of ₹2,000. Use code `BOBDOM` for domestic and `BOBINT` for international flights.
Yatra offers a 12% discount (up to ₹1,600) on domestic flights booking over ₹7,000, and 10% off international flights (up to ₹7,000) for bookings above ₹30,000.
**EaseMyTrip & Paytm Flights**
EaseMyTrip presents two discount options:
– A 13% discount (up to ₹1,500) on domestic flights for bookings above ₹6,000, and 10% off (up to ₹5,000) on international flights over ₹20,000.
– A 12% discount (up to ₹1,600) on domestic flights for bookings above ₹7,000, and 10% off (up to ₹7,000) for international flights exceeding ₹30,000.
Paytm Flights customers can avail similar discounts with promo codes `FLYBOB` for domestic and `INTLFLYBOB` for international flights.
**Ixigo**
Ixigo cardholders can enjoy a 12% discount (up to ₹1,600) on domestic flights booked for over ₹7,000, and a 10% discount (up to ₹7,000) on international flights with a minimum booking value of ₹30,000. Use codes `IXIBOBEMI` for domestic and `IXIBOBEMIN` for international flights.
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With BOBCARD’s attractive flight discounts across multiple platforms, now is a great time to plan your festive and holiday travels. Don’t miss out on these limited period offers ending December 31, 2025!
https://www.newsbytesapp.com/news/business/big-discounts-on-flights-using-bobcard-this-festive-season/story
