Capital Adequacy Ratio for the the Third Quarter of the Year Ending March 31, 2026

To whom it may concern:

Feb. 10, 2026

Company Name Fukuoka Financial Group, Inc. Representative Hisashi Goto, Director & President Head Office 8-3,Otemon 1 chome,Chuo-ku,Fukuoka (Code No.8354 TSE Prime Market,FSE)

Contact Toshiyuki Asano, General Manager, Corporate Planning Division

We hereby announce our capital adequancy ratio for the Third Quarter of the Year Ending March 31, 2026,as follows;

1. Fukuoka Financial Group, Inc.

   Consolidated (￥bil.)

   Credit risk : Advanced internal ratings-based approach			Sep. 30, 2025
   	Dec. 31, 2025	change from Sep. 30, 2025
   ①Total capital ratio ④/⑤	12.28%	0.07%	12.21%

   ②Core capital	1,038.2	29.1	1,009.1
   ③Deduction	46.3	4.9	41.4
   ④Total capital ②－③	991.9	24.3	967.6
   ⑤Risk adjusted assets	8,074.3	155.3	7,919.0

   ⑥Total required capital ⑤×8%

   645.9

   12.4

   633.5

2. Subsidiary banks

1. The Bank of Fukuoka, Ltd.

   Consolidated (￥bil.) Non-Consolidated

   Credit risk : Advanced internal ratings-based approach			Sep. 30, 2025
   	Dec. 31, 2025	change from Sep. 30, 2025
   ①Total capital ratio ④/⑤	11.31%	0.28%	11.03%

   Dec. 31, 2025

   11.16%

   ②Core capital	748.8	28.9	719.9
   ③Deduction	45.0	(5.8)	50.8
   ④Total capital ②－③	703.7	34.7	669.0
   ⑤Risk adjusted assets	6,221.9	158.0	6,063.9

   693.1

   38.0

   655.1

   5,864.9

   ⑥Total required capital ⑤×8%

   497.7

   12.6

   485.1

   469.1

1. The Kumamoto Bank, Ltd.

   Non-Consolidated (￥bil.)

   Credit risk : Foundation internal ratings-based approach			Sep. 30, 2025
   	Dec. 31, 2025	change from Sep. 30, 2025
   ①Total capital ratio ④/⑤	11.10%	(0.10%)	11.20%

   ②Core capital	92.9	1.9	91.0
   ③Deduction	4.7	0.5	4.2
   ④Total capital ②－③	88.2	1.4	86.8
   ⑤Risk adjusted assets	794.5	19.4	775.1

   ⑥Total required capital ⑤×8%

   63.5

   1.5

   62.0

2. The Juhachi-Shinwa Bank, Ltd.

   Non-Consolidated (￥bil.)

   Credit risk : Foundation internal ratings-based approach			Sep. 30, 2025
   	Dec. 31, 2025	change from Sep. 30, 2025
   ①Total capital ratio ④/⑤	11.22%	(0.09%)	11.31%

   ②Core capital	230.6	5.7	224.9
   ③Deduction	7.2	0.8	6.4
   ④Total capital ②－③	223.3	4.8	218.5
   ⑤Risk adjusted assets	1,990.2	59.2	1,931.0

   ⑥Total required capital ⑤×8%

   159.2

   4.8

   154.4

3. The Fukuoka Chuo Bank, Ltd.

   Non-Consolidated (￥bil.)

   Credit risk : Standardised approach			Sep. 30, 2025
   	Dec. 31, 2025	change from Sep. 30, 2025
   ①Total capital ratio ④/⑤	12.15%	3.20%	8.95%

   ②Core capital	37.4	10.8	26.6
   ③Deduction	2.1	0.0	2.1
   ④Total capital ②－③	35.2	10.7	24.5
   ⑤Risk adjusted assets	290.3	16.5	273.8

   ⑥Total required capital ⑤×4%

   11.6

   0.7

   10.9

4. Minna Bank, Ltd.

Non-Consolidated (￥bil.)

EOF