Fukuoka Financial Group, Inc. · TSE:8354
Fukuoka Financial — Investor Presentation (November 2025)
50 slides from Fukuoka Financial's investor presentation, Nov 26, 2025
Slide 1: Investor Meeting
Investor Meeting November 26, 2025 1
Slide 2: Executive Summary
Investor Meeting Fukuoka Financial Group Executive Summary Financial Results for First Half of FY2025 and Full-Year Earnings Projection Solid progress of 54.5% against the FY2025 full-year earnings projection (consolidated net income ¥80.0 billion) ‒ Consolidated core business profit reached ¥66.6 b
Slide 3: Contents
Fukuoka Financial Group Contents Executive Summary P2 Part I: FY2025 Financial Progress and Earnings Projection P4 Part II: Initiatives to Improve Corporate Value P10 Appendix P31 3
Slide 4: Part I: FY2025 Financial Progress and Earnings Projection
Part I FY2025 Financial Progress and Earnings Projection 4
Slide 5: Financial Results for First Half of FY2025: Consolidated Core Business Profit
Investor Meeting Fukuoka Financial Group Financial Results for First Half of FY2025: Consolidated Core Business Profit Consolidated core business profit increased by ¥7.9 billion year-on-year to ¥66.6 billion, marking solid progress of 53.5%. Increase/decrease factors in consolidated core business
Slide 6: First Half of FY2025: Drivers of Growth in Domestic Net Interest Income
Investor Meeting Fukuoka Financial Group Financial Results for First Half of FY2025: Drivers of Growth in Domestic Net Interest Income (banks total) Domestic net interest income increased, driven by improved loan yields and higher dividends. We also secured adequate investment capacity for future
Slide 7: Financial Results for First Half of FY2025: Consolidated Net Income
Investor Meeting Fukuoka Financial Group Financial Results for First Half of FY2025: Consolidated Net Income Consolidated net income increased by ¥4.4 billion year-on-year to ¥43.6 billion driven by growth in core business profit, marking solid progress of 54.5%. Increase/decrease factors in conso
Slide 8: First Half of FY2025: Securities and Credit Cost
Investor Meeting Fukuoka Financial Group Financial Results for First Half of FY2025: Securities and Credit Cost Securities (FFG consolidated) Credit cost (FFG consolidated) ‒ Recorded gains on sales of strategic shareholdings, etc. ‒ While credit cost remains low due to recoveries, etc., new (includ
Slide 9: FY2025 Earnings Projection, Shareholder Returns
Investor Meeting Fukuoka Financial Group FY2025 Earnings Projection, Shareholder Returns Projection for consolidated core business profit revised upward reflecting interim results. Initial plan for consolidated net income left unchanged at this stage to prepare for future risks. Earnings projectio
Slide 10: Part II: Initiatives to Improve Corporate Value
Part II Initiatives to Improve Corporate Value 10
Slide 11: Current Assessment for Improving Corporate Value
Investor Meeting Fukuoka Financial Group Current Assessment for Improving Corporate Value Aim to achieve a PBR of over 1.0 at an early stage by improving ROE and PER through executing the Long-Term Strategy and 8th MTMP as well as enhancing IR activities. FFG’s PBR/ROE matrix (past 10 years)* PBR
Slide 12: PBR Logic Tree
Investor Meeting Fukuoka Financial Group PBR Logic Tree 8th MTMP Today’s agenda Transform existing ‒ Growth in loan balance Improve ROE Enhanced earning businesses ‒ Semiconductor-related business Optimization of business Impact of rising interest (current Improve RORA power (Commercial banking prof
Slide 13: Growth of the Commercial Banking Division
Investor Meeting Fukuoka Financial Group Growth of the Commercial Banking Division Capture regional financing needs to build up the loan balance, while maintaining and increasing the number of main bank clients to acquire highly stable deposits. Core gross business profit of the commercial banking
Slide 14: Commercial Banking: Growth in Loan Balance
Investor Meeting Fukuoka Financial Group Commercial Banking: Growth in Loan Balance The balance of loans showed solid growth by capturing financing needs. Yields on new fixed-rate loans are also steadily increasing. Factors contributing to year-on-year change in loan balance at Interest rates on d
Slide 15: Commercial Banking: Semiconductor-related Business
Investor Meeting Fukuoka Financial Group Commercial Banking: Semiconductor-related Business Entire Group is actively engaged in Kyushu’s economic growth catalyzed by TSMC’s expansion into Kyushu. Loans in Kumamoto Prefecture are growing at a rate of more than 5%. Initiatives for realizing Silicon
Slide 16: Commercial Banking: Deposit Strategy (Corporate)
Investor Meeting Fukuoka Financial Group Commercial Banking: Deposit Strategy (Corporate) Maintained a deposit beta (pass-through rate) of under 40% relative to the policy interest rate, supported by inflows of settlement deposits from corporate main bank clients. Yield on deposits by segment (mon
Slide 17: Commercial Banking: Deposit Strategy (Retail)
Investor Meeting Fukuoka Financial Group Commercial Banking: Deposit Strategy (Retail) Maintained an upward trend in individual deposits. Launching a new mass retail strategy from January 2026 to expand individual deposits (to retain customers). Average balance of domestic deposits, etc. (Unit: ¥
Slide 18: Commercial Banking: Expansion of Investment Trust Business
Investor Meeting Fukuoka Financial Group Commercial Banking: Expansion of Investment Trust Business Recurring revenue expanded as investment trust balances grew following the success of the “Investment Trusts Palette” and “Installment Investment Trusts” strategies amidst the shift from savings to
Slide 19: Growth of the Investment Banking Division
Investor Meeting Fukuoka Financial Group Growth of the Investment Banking Division The investment banking division is a strength of FFG pioneered ahead of peers. Aim to expand earnings by leveraging FFG’s accumulated expertise and networks. Core gross business profit of the investment banking divi
Slide 20: Investment Banking: Structured Finance
Investor Meeting Fukuoka Financial Group Investment Banking: Structured Finance Enhancing distribution capabilities and focusing on large-scale transactions, while expanding initiatives in new areas such as GX-related fields. Structured finance [Establishment of distribution structure] [Balance] (
Slide 21: Investment Banking: M&A, Equity
Investor Meeting Fukuoka Financial Group Investment Banking: M&A, Equity M&A, business succession Equity business ‒ Consolidating resources, information, and functions into FFG Succession ‒ Focusing on creating opportunities for co-investment, structured finance ‒ Aiming to increase the number of cl
Slide 22: Growth of the Market Operation Division
Investor Meeting Fukuoka Financial Group Growth of the Market Operation Division By capturing the benefits of domestic and global growth through market operations, FFG aims to maximize earnings as a growth driver under the 8th MTMP. Core gross business profit of the market operation division Curre
Slide 23: Optimization of Business Portfolio
Investor Meeting Fukuoka Financial Group Optimization of Business Portfolio Under the 8th MTMP, FFG aims to raise the top line and improve ROE by deploying risk assets and resources into growth areas. Gross business profit of major divisions Direction of risk asset accumulation (Assumed policy int
Slide 24: Path to Profitability for Minna Bank
Investor Meeting Fukuoka Financial Group Path to Profitability for Minna Bank For details on the business strategy for Minna Bank, refer to the IR Day (Sep. 2025) presentation materials available on the FFG website. Several service launches with BaaS partners are scheduled in FY2025/2H onwards, dr
Slide 25: Expense Control
Investor Meeting Fukuoka Financial Group Expense Control Actively investing in growth areas for the future while controlling expenses to lower OHR and improve ROE. Outlook for consolidated expenses (Unit: ¥ bil.) Policy on cost discipline Rationalization of existing operations and sub- Core OHR
Slide 26: Target ROE Level and Impact of Rising Interest Rates
Investor Meeting Fukuoka Financial Group Target ROE Level and Impact of Rising Interest Rates In addition to growth in each business division, target ROE is projected to shift upward by Policy interest rate 0.75% approximately 1% if the policy interest rate rises to 0.75% (from Jan 2026). (from Ja
Slide 27: [Reference] Simulation of Rising Yen Interest Rates
Investor Meeting Fukuoka Financial Group [Reference] Simulation of Rising Yen Interest Rates Net interest income is expected to increase by ¥10 billion in FY2026 and by ¥15 billion in FY2027 compared to the MTMP, assuming a policy interest rate of 0.75% (from January 2026). Yen balance sheet (as o
Slide 28: Reduction of Strategic Shareholdings
Investor Meeting Fukuoka Financial Group Financial Highlights Reduction of Strategic Shareholdings (previously disclosed) The ratio of strategic shareholdings increased at the end of September 2025 due to higher stock prices. The pace of reduction will be accelerated from the second half onwards.
Slide 29: Capital Policy
Investor Meeting Fukuoka Financial Group Capital Policy Managing capital by balancing risk-taking/growth investment with shareholder returns, premised on financial soundness → Responding flexibly while monitoring the pace of capital buildup. Basic capital policy Capital allocation in the 8th MTMP
Slide 30: Strengthening Dialogue with Shareholders and Investors
Investor Meeting Fukuoka Financial Group Strengthening Dialogue with Shareholders and Investors Strengthen the IR framework to improve the quality and quantity of communication with shareholders and investors, and reflect that dialogue in management. Enhancement of information disclosure and commu
Slide 31: Appendix
Appendix (Reference) 31
Slide 32: FY2025: Overview of Interim Financial Results and Full-Year Earnings Projection
Investor Meeting Fukuoka Financial Group FY2025: Overview of Interim Financial Results and Full-Year Earnings Projection FY2025 full-year earnings FFG consolidated profit & loss FY2025/1H financial results projection Revised Interim financial highlights (Unit: ¥ bil.) Results YoY chg. Progress proje
Slide 33: Top Line (Consolidated Core Business Profit)
Investor Meeting Fukuoka Financial Group Top Line (Consolidated Core Business Profit) Profit & Loss Core business profit (FFG consolidated) (Unit: ¥ bil.) Breakdown of year-on-year changes (FFG consolidated) (Unit: ¥ bil.) [Non-interest income] Excluding gains (losses) on bonds [Overhead expenses] E
Slide 34: Bottom Line (Consolidated Net Income)
Investor Meeting Fukuoka Financial Group Bottom Line (Consolidated Net Income) Profit & Loss Consolidated net income (Unit: ¥ bil.) Breakdown of year-on-year changes (Unit: ¥ bil.) +¥7.9 billion YoY chg. +¥7.9 billion 80.0 72.1 61.2 21.5 Gain on bargain purchase (Fukuoka Chuo Bank business integrati
Slide 35: Core Business Profit (banks total)
Investor Meeting Fukuoka Financial Group Core Business Profit (banks total) Profit & Loss Core business profit (banks total) (Unit: ¥ bil.) Breakdown of year-on-year changes (banks total) (Unit: ¥ bil.) [Non-interest income] Excluding gains (losses) on bonds YoY chg. +¥7.1 billion [Overhead expenses
Slide 36: Net Interest Income (banks total)
Investor Meeting Fukuoka Financial Group Net Interest Income (banks total) Profit & Loss Net interest income (banks total) (Unit: ¥ bil.) Domestic interest on deposits and loans (banks total) (Unit: ¥ bil.) Domestic deposits and loans: Excluding loans to Government, etc. +¥17.9 billion Interest on l
Slide 37: Interest Rates on Domestic Loans
Investor Meeting Fukuoka Financial Group Interest Rates on Domestic Loans Profit & Loss Interest rates on domestic loans (banks total) (Unit: %) Domestic deposit loan gross margin (banks total) (Unit: %) Yield on loans: Excluding loans to Government, etc. 1.79 Yield on loans: Excluding loans to Gove
Slide 38: Consolidated Non-interest Income (excluding gains (losses) on bonds)
Investor Meeting Fukuoka Financial Group Consolidated Non-interest Income (excluding gains (losses) on bonds) Profit & Loss Non-interest income (FFG consolidated) * Excluding gains (losses) on bonds (Unit: ¥ bil.) Breakdown of investment trusts & insurance fees (banks total) (Unit: ¥ bil.) +¥3.2 bil
Slide 39: Consolidated Expenses, Consolidated Credit Cost
Investor Meeting Fukuoka Financial Group Consolidated Expenses, Consolidated Credit Cost Profit & Loss Overhead expenses (FFG consolidated) (Unit: ¥ bil., %) Credit cost (-) (FFG consolidated) (Unit: ¥ bil.) [Excluding non-recurring expenses] 72.6% OHR 65.6% 61.5% 24.2 Core OHR 58.1% 60.1% 59.9% 57.
Slide 40: Loans
Investor Meeting Fukuoka Financial Group Assets and Liabilities, Loans etc. Average balance by segment (banks total) (Unit: ¥ bil.) Average balance by bank (banks total) (Unit: ¥ bil.) Excluding loans to Government (public) and Bank of Fukuoka loans to FFG Figures in parentheses are Excluding loans
Slide 41: Deposits, etc. (including CDs)
Investor Meeting Fukuoka Financial Group Assets and Liabilities, Deposits, etc. (including CDs) etc. Average balance by segment (banks total) (Unit: ¥ bil.) Average balance by bank (banks total) (Unit: ¥ bil.) Figures in parentheses are annual rates Figures in parentheses are annual rates Annual rat
Slide 42: Breakdown of Loans and Deposits & CDs by Type
Investor Meeting Fukuoka Financial Group Breakdown of Loans and Deposits & CDs by Type Assets and Liabilities, etc. [Domestic] Balance of loans (portfolio by maturity / base rate) [Domestic] Balance of deposits, etc. (portfolio by liquidity / base rate) Breakdown (total = 100%) Breakdown (total = 10
Slide 43: Asset Management Products
Investor Meeting Fukuoka Financial Group Asset Management Products Assets and Liabilities, etc. Balance of assets under management for individual customers Asset management product sales (Group total) (Unit: ¥ bil.) (Group total) (Unit: ¥¥ bil.) (Unit: bil.) 672.7 3,293.7 630.3 56.1 2,953.6 485.7 57
Slide 44: Securities
Investor Meeting Fukuoka Financial Group Financial Highlights Assets and Liabilities, Securities (previously disclosed) etc. Balance at end of period (FFG consolidated) (Unit: ¥ bil.) Unrealized gains (losses) (FFG consolidated) (Unit: ¥ bil.) Sep. 2023 Mar. 2024 Sep. 2024 Mar. 2025 Sep. 2025 5,737.
Slide 45: NPLs Disclosed under the FRL, Reserve for Possible Loan Losses, Capital Adequacy
Investor Meeting Fukuoka Financial Group NPLs Disclosed under the FRL, Reserve for Possible Loan Losses, Financial Highlights Assets and Liabilities, Capital Adequacy (previously disclosed) etc. Balance and ratio of disclosed NPLs under the FRL Reserve and reserve ratio Equity, capital adequacy rati
Slide 46: Minna Bank
Investor Meeting Fukuoka Financial Group Financial Highlights Minna Bank (previously disclosed) Minna Bank Profit & loss summary Number of downloads and accounts (Unit: Thousand) Balance of deposits (excluding special deposits) (Unit: ¥ bil.) (related to Minna Bank*) (Unit: ¥ bil.) 4,150 Number of -
Slide 47: Sustainability Initiatives & FFG's Human Capital Investment
Investor Meeting Fukuoka Financial Group Sustainability Initiatives & FFG’s Human Capital Investment Having positioned responding to climate change as a key strategic management issue, FFG is united in its efforts to transition to a decarbonized society. Actively promoting DE&I for individuals t
Slide 48: Long-Term Strategy, 8th Medium-Term Management Plan
Investor Meeting Fukuoka Financial Group Long-Term Strategy, 8th Medium-Term Management Plan Long-Term Strategy (FY2025–FY2034) 8th Medium-Term Management Plan (FY2025–FY2027) The society we aim to create 8th MTMP Three years to build a growth foundation for the Economically, materially, and spiritu
Slide 49: Definitions of Terms and Figures Used in This Document
Investor Meeting Fukuoka Financial Group Definitions of Terms and Figures Used in This Document In cases where definitions are different from those listed below, details are stated on each page FFG consolidated Consolidated financial results of Fukuoka Financial Group Simple sum of the non-consolida
Slide 50: Fukuoka Financial Group
Fukuoka Financial Group This document has been prepared solely for the purpose of providing information and does not constitute a solicitation for the purchase or sale of any specific securities. All or part of the matters contained in this document may be amended or changed without notice. Re
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