Financial Digest for Fiscal Year 2025, ended March 31, 2026

Fukuoka Financial Group,Inc.

Fukuoka Financial Group, Inc.

Financial Digest for Fiscal Year 2025, ended March 31, 2026

Stock Exchange Listing: Tokyo, Fukuoka (code:8354)

URL: https://www.fukuoka-fg.com/

Representative: Hisashi Goto, Director & President

For Inquiry: Toshiyuki Asano, General Manager, Corporate Planning Division

May 13, 2026

Date of General Meeting of Shareholders: Payment date of cash dividends:

Filing date of Financial Statements:

June 26, 2026 (scheduled)

June 29, 2026 (scheduled)

June 19, 2026 (scheduled)

Trading Accounts: Established

Supplementary Materials: Attached

IR Conference: Scheduled (for institutional investors, analysts)

(Notes) 1. Financial statements are not subject to audit.

2. Amounts less than one million yen are omitted.

1. Consolidated Financial Highlights (from April 1, 2025 to March 31, 2026)

   1. Consolidated Operating Results (%:Changes from previous fiscal year)

      	Ordinary Income		Ordinary Profit		Net Income attributable to owners of the parent
      	Million	%	Million	%	Million	%
      FY2025	621,168	36.3	120,610	16.4	85,428	18.4
      FY2024	455,711	12.6	103,594	81.9	72,136	17.9

      (Note) Comprehensive income

      FY2025: 177,020 million [－%]

      FY2024: (67,926) million [－%]

      	Net Income per Share	Net Income per Share (Diluted)	Return on Equity	Ordinary Profit on Total Assets	Ordinary Profit on Ordinary Income
      			%	%	%
      FY2025	451.99	—	8.5	0.4	19.4
      FY2024	381.54	—	7.4	0.3	22.7

      (Reference) Equity in earnings of affiliates

      FY2025: 101 million

      FY2024: (2) million

   2. Consolidated Financial Position

      	Total Assets	Total Net Assets	Own Capital Ratio	Net Assets per Share
      	Million	Million	%
      FY2025	33,559,486	1,076,716	3.2	5,695.77
      FY2024	32,262,623	929,593	2.8	4,914.53

      (Reference) Own capital

      FY2025: 1,076,288 million

      FY2024: 929,183 million

      (Note) Own Capital Ratio = (Total net assets - Noncontrolling interests ) / Total assets * 100 This ratio is not based on the public notification of the capital adequacy ratio.

   3. Consolidated Cash Flows

      	Cash Flows from Operating Activities	Cash Flows from Investing Activities	Cash Flows from Financing Activities	Cash and Cash Equivalents, end of period
      	Million	Million	Million	Million
      FY2025	(235,421)	202,941	(29,879)	7,092,991
      FY2024	(503,904)	(762,826)	(23,129)	7,155,297

2. Dividend Payment

   	Dividends declared per Share					Total Dividends (Annual)	Dividends Payout Ratio (Cons olidated)	Dividends on Net Assets (Cons olidated)
   	First Quarter	Second Quarter	Third Quarter	Fourth Quarter	Fiscal Year
   FY2024 FY2025	— —	65.00 85.00	— —	70.00 95.00	135.00 180.00	Million 25,557 34,075	% 35.4 39.8	% 2.6 3.4
   FY2026 (projection)	—	105.00	—	105.00	210.00		39.7

3. Consolidated Earnings Projections for Fiscal year 2026, (Year ending March 31, 2027)

   (%:Changes from corresponding period of previous fiscal year)

   	Ordinary Profit		Net Income attributable to owners of the parent		Net Income per Share
   	Million	%	Million	%
   Interim of FY2026	72,000	14.6	48,000	10.2	254.01
   FY2026	149,500	24.0	100,000	17.1	529.20

4. Consolidated Financial Statements

1. Consolidated Balance Sheets

   (millions of Yen)

   Item	科目 (Japanese)	As of Mar 31, 2025	As of Mar 31, 2026
   (Assets) Cash and due from banks Call loans and bills bought Monetary claims bought Trading assets Money held in trust Securities Loans and bills discounted Foreign exchanges Other assets Tangible fixed assets Intangible fixed assets Net defined benefit assets Deferred tax assets Customers' liabilities for acceptances and guarantees Allowance for loan losses	資産の部 現金預け金 コールローン及び買 入手形買入金銭債権 特定取引 資産金銭の信託有価証券 貸出金外国為 替 その他資産 有形固定 資産無形固定資産 退職給付に係 る資産繰延税金資産 支払承諾見返 貸倒引当金	7,160,305 5,980 46,025 313 18,020 5,551,286 18,970,311 26,933 266,159 214,403 29,182 27,266 79,177 60,019 (192,762)	7,097,546 13,909 43,749 268 29,657 5,451,502 20,306,888 12,168 383,087 216,924 37,152 70,534 39,679 55,441 (199,025)
   Total assets	資産の部合計	32,262,623	33,559,486
   (Liabilities) Deposits Negotiable certificates of deposit Call money and bills sold Payables under repurchase agreements Payables under securities lending transactions Borrowed money Foreign exchanges Short-term bonds payable Other liabilities Net defined benefit liability Provision for losses from reimbursement of inactive accounts Provision for contingent liabilities losses Provision for share-based remuneration Reserves under the special laws Deferred tax liabilities Deferred tax liabilities for land revaluation Acceptances and guarantees	負債の部預金 譲渡性預金 コールマネー及び売渡手形売現先勘定 債券貸借取引 受入担保金借用金 外国為 替短期社債その他負債 退職給付に係る負債 睡眠預金払戻 損失引当金その他の偶発損失引当金株式給付引当金 特別法上の引 当金繰延税金負債 再評価に係る繰延税金 負債 支払承諾	21,558,244 262,498 2,256,200 1,272,836 1,495,995 3,997,834 1,697 56,000 342,219 835 4,566 — 487 30 36 23,526 60,019	21,625,175 260,430 3,287,500 1,490,711 1,196,281 4,046,508 882 56,000 434,381 778 3,927 130 605 39 503 23,471 55,441
   Total liabilities	負債の部合計	31,333,029	32,482,769
   (Net assets) Capital stock Capital surplus Retained earnings Treasury stock	純資産の部資本金 資本剰 余金利益剰余金 自己株式	124,799 143,978 680,851 (5,554)	124,799 143,978 737,059 (6,109)
   Total shareholders' equity	株主資本合計	944,074	999,728
   Valuation difference on available-for-sale securities Deferred gains or losses on hedges Revaluation reserve for land Remeasurements of defined benefit plans	その他有価証券 評価差額金繰延ヘッジ損益 土地再評価差額金 退職給付に係る調整累 計額	(78,074) 6,703 50,565 5,913	(20,907) 16,020 50,443 31,003
   Total accumulated other comprehensive income	その他の包括利益累計 額合計	(14,891)	76,560
   Non-controlling interests	非支配株主持分	410	428
   Total net assets	純資産の部合計	929,593	1,076,716
   Total liabilities and net assets	負債及び純資産の部合 計	32,262,623	33,559,486

2. Consolidated Statements of Income and Consolidated Statements of Comprehensive Income Consolidated Statements of Income

   (millions of Yen)

   Item	科目 (Japanese)	FY2024	FY2025
   Ordinary income:	経常収益 資金運用収益 （うち貸出金利息） （うち有価証券利 息配当金）信託報酬 役務取引 等収益特定取引収益その他業務収益その他経常収益 経常費用 資金調達用 （うち預金 利息）役務取引等用その他業務用 営業経 その他経常用	455,711	621,168
   Interest income		355,570	442,554
   Interest on loans and discounts		201,419	256,937
   Interest and dividends on securities		107,163	132,275
   Trust fees		0	0
   Fees and commissions		74,478	77,095
   Trading income		149	94
   Other operating income		11,669	20,441
   Other income		13,842	80,982
   Ordinary expenses:		352,117	500,557
   Interest expenses		130,798	179,733
   Interest on deposits		22,701	48,257
   Fees and commissions payments		28,616	32,481
   Other operating expenses		22,219	95,147
   General and administrative expenses		158,906	173,293
   Other expenses		11,576	19,901
   Ordinary profit	経常利益	103,594	120,610
   Extraordinary income	特別利益 固定資産 処分益特別損失 固定資産 処分損減損損失 金融商品取引責任準 備金繰入額 持分変動損失	1,979	145
   Gain on disposal of noncurrent assets		1,979	145
   Extraordinary loss		1,864	1,041
   Loss on disposal of noncurrent assets		841	790
   Impairment loss		672	242
   Transfer to reserve for financial products transaction liabilities		0	8
   Loss on change in equity		349	—
   Income before income taxes:	税金等調整前当期純利 益	103,709	119,714
   Current	法人税、住民税及び事 業税	28,354	37,212
   Deferred	法人税等調整額	3,110	(2,944)
   Total income taxes	法人税等合計	31,465	34,268
   Net income	当期純利益	72,244	85,446
   Net income attributable to non-controlling interests	非支配株主に帰属する当 期純利益	108	17
   Net income attributable to owners of the parent	親会社株主に帰属する当 期純利益	72,136	85,428

   Consolidated Statements of Comprehensive Income

   (millions of Yen)

   Item	科目 (Japanese)	FY2024	FY2025
   Net income Other comprehensive income Valuation difference on available-for-sale securities Deferred gains or losses on hedges Revaluation reserve for land Remeasurements of defined benefit plans Share of other comprehensive income of associates accounted for using equity method	当期純利益 その他の包括利益 その他有価証券評価差額金繰延ヘッジ損益 土地再評価差額金 退職給付に係る調整額 持分法適用会社に対する持分相当額	72,244 (140,170) (111,549) (13,913) (676) (14,037) 6	85,446 91,573 57,139 9,317 — 25,089 27
   Total comprehensive income	包括利益	(67,926)	177,020
   (Breakdown) Comprehensive income attributable to owners of the parent Comprehensive income attributable to non-controlling interests	（内訳） 親会社株主に係 る包括利益非支配株主に係る包括利益	(68,034) 108	177,002 17

3. Consolidated Statements of Changes in Net Assets

FY2024

(millions of Yen)

FY2025

(millions of Yen)

Fukuoka Financial Group,Inc.

May 13, 2026

-6-

Definitions of terms and figures used in this document

In cases where definitions are different from the following ones, details are stated on each page.

-6-

1. Gain and loss

   Subsidiary banks’ total

   Core business profit Ordinary profit

   Net income

   ¥164.9billion

   ¥146.3 billion

   ¥109.7 billion

   Consolidated

   Core business profit Ordinary profit

   Net income attributable to owners of the parent

   ¥151.7 billion

   ¥120.6 billion

   ¥85.4 billion

   Subsidiary banks' total

   FFG (consolidated)

   ( mil.)

   【projections*】 announced					FY2024			FY2024
   				Comparison			Comparison
   Gross business profit			209,075	(31,520)	240,595	233,244	(27,185)	260,429
   	Net interest income		262,331	36,822	225,509	263,241	38,275	224,966
   		Domestic	245,587	34,940	210,647	246,511	36,392	210,119
   		International	16,744	1,882	14,862	16,730	1,883	14,847
   	Net fees and commissions		30,860	(2,595)	33,455	44,614	(1,248)	45,862
   	Net trading income		34	17	17	94	(55)	149
   	Net other operating income		(84,150)	(65,764)	(18,386)	(74,706)	(64,157)	(10,549)
   		Gains (losses) on sales (redemptions) of bonds	(86,591)	(68,077)	(18,514)	(91,156)	(72,253)	(18,903)
   Overhead expenses (-)			130,736	7,630	123,106	172,692	12,424	160,268
   Bus iness profit (before transfer to general reserve for possible loan losses)			78,339	(39,149)	117,488	60,551	(39,609)	100,160
   ① Transfer to general reserve for possible loan losses (-)			6,346	6,346	—	7,516	6,943	573
   Bus iness profit			71,993	(45,495)	117,488	53,035	(46,552)	99,587
   Core business profit			【143,100】	164,931	28,928	136,003	151,707	32,643	119,064
   Core business profit (excluding gains (losses) on cancellation of investment trusts)			154,870	16,290	138,580	142,146	20,016	122,130
   Other operating profit (loss)			74,261	65,323	8,938	67,575	63,569	4,006
   	② Credit cost for disposal of non-performing loans (-)		6,065	5,936	129	10,719	5,190	5,529
   		Net transfer to specific reserve for possible loan losses (-)	5,267	5,267	—	9,825	5,146	4,679
   		Reversal of allowance for loan losses	—	(508)	508	—	—	—
   		Recoveries of written-off claims	79	(73)	152	79	(73)	152
   	Gains (losses) on stocks		80,921	71,276	9,645	78,101	68,957	9,144
   	Equity in earnings (losses) of affiliates		—	—	—	101	103	(2)
   	Others		(594)	(18)	(576)	92	(301)	393
   Ordinary profit			【136,200】	146,254	19,827	126,427	120,610	17,016	103,594
   Extraordinary profit (loss)			(820)	(1,065)	245	(895)	(1,010)	115
   Income (loss) before income taxes			145,434	18,762	126,672	119,714	16,005	103,709
   Total income taxes (-)			35,721	2,971	32,750	34,268	2,803	31,465
   Net income			【100,400】	109,713	15,791	93,922	85,446	13,202	72,244
   Net income attributable to non-controlling interests (-)						17	(91)	108
   Net income attributable to owners of the parent						【80,000】	85,428	13,292	72,136
   Total credit cost ①+② (-)			【11,000】	12,412	12,283	129	18,235	12,133	6,102

   *The projections announced in the Financial Digest that was released on November 10, 2025. They are the figures of subsidiary banks’ total, excluding that of net income attributable to owners of the parent.

   Reference (¥ bil.)	FY2025	FY2024	Comparison
   Net income (Subsidiary banks' total)	109.7	93.9	15.8
   FFG non-consolidated	(19.4)	(15.9)	(3.6)
   Profit (loss) related to Minna Bank	(5.1)	(8.8)	3.7
   Profit (loss) of subsidiary companies	5.5	4.8	0.7
   Other consolidation adjustments	(5.3)	(1.9)	(3.3)
   FFG’s consolidated net income	85.4	72.1	13.3

   1. “( )”denotes minus.

   2. Core business profit

   = Business profit + Transfer to general reserve for possible loan losses

   — Gains (losses) on sales (redemptions) of bonds

   The Bank of Fukuoka (non-consolidated)

( mil.)

( mil.)

( mil.)

( mil.)

FY2025

1. Assets and liabilities

1. Loans Subsidiary banks' total

   ( mil.)

   								Mar 31, 2025	Mar 31, 2024
   				annual rate of growth	Mar 31, 2026	change from Mar 31, 2025	change from Mar 31, 2024
   Subsidiary banks' total	Total loans Excluding loans to FFG, the Japanese government and others			6.9% 3.4%	20,383,759 16,493,526	1,313,163 536,750	1,693,617 829,096	19,070,596 15,956,776	18,690,142 15,664,430
   		Personal segment		2.9%	4,362,969	124,612	237,286	4,238,357	4,125,683
   		Corporate segment		8.0%	16,020,788	1,188,551	1,456,333	14,832,237	14,564,455
   			General corporate	4.2%	10,722,018	430,535	662,985	10,291,483	10,059,033
   			Public sector	16.7%	5,298,768	758,016	793,348	4,540,752	4,505,420
   	Personal loans			3.0%	4,247,397	123,720	235,764	4,123,677	4,011,633
   		Housing loans		3.0%	3,807,752	109,334	206,979	3,698,418	3,600,773
   		Consumer loans		5.3%	391,609	19,537	33,798	372,072	357,811
   	Loans to small-and-medium-sized enterprises, etc.			3.0%	12,447,256	367,128	615,061	12,080,128	11,832,195
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	61.06%	(2.28%)	(2.24%)	63.34%	63.30%

   The Bank of Fukuoka (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			7.6% 3.7%	13,586,440 11,288,412	961,561 397,788	1,792,648 589,519	12,624,879 10,890,624	11,793,792 10,698,893
   		Personal segment		3.1%	2,721,193	81,278	148,047	2,639,915	2,573,146
   		Corporate segment		8.8%	10,865,247	880,284	1,644,602	9,984,963	9,220,645
   			General corporate	4.4%	7,745,919	323,263	503,609	7,422,656	7,242,310
   			Public sector	21.7%	3,119,328	557,021	1,140,994	2,562,307	1,978,334
   	Fukuoka Prefecture			3.7%	8,542,350	302,175	362,822	8,240,175	8,179,528
   	Personal loans			3.2%	2,661,116	82,003	152,176	2,579,113	2,508,940
   		Housing loans		3.0%	2,384,236	70,396	132,038	2,313,840	2,252,198
   		Consumer loans		5.6%	247,204	13,114	22,564	234,090	224,640
   	Loans to small-and-medium-sized enterprises, etc.			3.0%	8,372,550	241,116	424,299	8,131,434	7,948,251
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	61.62%	(2.78%)	(5.77%)	64.40%	67.39%

   The Kumamoto Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			11.6% 5.5%	2,369,651 1,620,185	246,877 84,349	(26,376) 165,372	2,122,774 1,535,836	2,396,027 1,454,813
   		Personal segment		5.2%	648,488	31,795	66,036	616,693	582,452
   		Corporate segment		14.3%	1,721,163	215,082	(92,411)	1,506,081	1,813,574
   			General corporate	6.2%	819,939	47,977	86,320	771,962	733,619
   			Public sector	22.8%	901,223	167,105	(178,731)	734,118	1,079,954
   	Kumamoto Prefecture			5.5%	1,517,409	79,340	161,676	1,438,069	1,355,733
   	Personal loans			5.0%	618,007	29,258	61,332	588,749	556,675
   		Housing loans		4.9%	575,230	26,662	54,406	548,568	520,824
   		Consumer loans		12.2%	39,587	4,291	7,382	35,296	32,205
   	Loans to small-and-medium-sized enterprises, etc.			5.4%	1,393,767	70,868	135,314	1,322,899	1,258,453
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	58.81%	(3.50%)	6.29%	62.31%	52.52%

   The Juhachi-Shinwa Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			2.7% 2.0%	4,000,237 3,196,755	103,729 62,957	(82,234) 85,883	3,896,508 3,133,798	4,082,471 3,110,872
   		Personal segment		1.4%	924,914	12,788	25,865	912,126	899,049
   		Corporate segment		3.0%	3,075,322	90,940	(108,099)	2,984,382	3,183,421
   			General corporate	3.7%	1,857,813	67,085	84,536	1,790,728	1,773,277
   			Public sector	2.0%	1,217,509	23,856	(192,635)	1,193,653	1,410,144
   	Nagasaki Prefecture			(1.0%)	2,227,942	(21,725)	(45,712)	2,249,667	2,273,654
   	Personal loans			1.6%	907,763	13,984	26,448	893,779	881,315
   		Housing loans		1.7%	807,010	13,162	22,739	793,848	784,271
   		Consumer loans		2.8%	88,665	2,447	5,315	86,218	83,350
   	Loans to small-and-medium-sized enterprises, etc.			2.7%	2,321,813	61,653	65,953	2,260,160	2,255,860
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	58.04%	0.04%	2.79%	58.00%	55.25%

   The Fukuoka Chuo Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			0.2% (2.1%)	427,431 388,174	996 (8,344)	9,579 (11,678)	426,435 396,518	417,852 399,852
   		Personal segment		(1.8%)	68,374	(1,249)	(2,662)	69,623	71,036
   		Corporate segment		0.6%	359,056	2,245	12,241	356,811	346,815
   			General corporate	(2.5%)	298,347	(7,790)	(11,480)	306,137	309,827
   			Public sector	19.8%	60,708	10,034	23,720	50,674	36,988
   	Fukuoka Prefecture			(2.1%)	388,174	(8,344)	(11,678)	396,518	399,852
   	Personal loans			(2.5%)	60,511	(1,525)	(4,192)	62,036	64,703
   		Housing loans		(2.1%)	41,276	(886)	(2,204)	42,162	43,480
   		Consumer loans		(1.9%)	16,153	(315)	(1,463)	16,468	17,616
   	Loans to small-and-medium-sized enterprises, etc.			(1.8%)	359,126	(6,509)	(10,505)	365,635	369,631
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	84.01%	(1.73%)	(4.44%)	85.74%	88.45%

   The term-end balance of loans includes loans granted by the Bank of Fukuoka to FFG (¥98.6 billion at the end of March 2026,

   ¥109.9 billion at the end of March 2025, and ¥123.3 billion at the end of March 2024).

2. Deposits Subsidiary banks' total

   ( mil.)

   							Mar 31, 2025	Mar 31, 2024
   			annual rate of growth	Mar 31, 2026	change from Mar 31, 2025	change from Mar 31, 2024
   Subsidiary banks' total	Personal deposits		0.9%	14,479,022	131,084	207,458	14,347,938	14,271,564
   	Corporate deposits		(1.1%)	7,130,311	(76,151)	2,050	7,206,462	7,128,261
   		General corporate	3.7%	5,473,255	193,583	166,509	5,279,672	5,306,746
   		Public and financial sectors	(14.0%)	1,657,054	(269,734)	(164,459)	1,926,788	1,821,513
   	Total		0.3%	21,609,333	54,930	209,506	21,554,403	21,399,827
   		Demand	(0.2%)	16,619,385	(26,259)	178,057	16,645,644	16,441,328
   		Time	1.7%	4,989,947	81,189	31,450	4,908,758	4,958,497
   	CDs		0.4%	323,629	1,131	(18,354)	322,498	341,983
   	Deposits and CDs		0.3%	21,932,964	56,062	191,152	21,876,902	21,741,812
   The Bank of Fukuoka (non-consolidated)	Personal deposits		1.0%	9,132,337	87,843	179,794	9,044,494	8,952,543
   	Corporate deposits		(1.5%)	4,776,865	(71,281)	23,971	4,848,146	4,752,894
   		General corporate	4.5%	3,498,062	149,873	142,451	3,348,189	3,355,611
   		Public and financial sectors	(14.7%)	1,278,803	(221,154)	(118,479)	1,499,957	1,397,282
   	Total		0.1%	13,909,202	16,561	203,765	13,892,641	13,705,437
   		Demand	0.2%	10,924,745	19,909	186,357	10,904,836	10,738,388
   		Time	(0.1%)	2,984,457	(3,348)	17,409	2,987,805	2,967,048
   	CDs		(3.7%)	233,293	(8,978)	(22,693)	242,271	255,986
   	Deposits and CDs		0.1%	14,142,496	7,584	181,072	14,134,912	13,961,424
   	Fukuoka Prefecture		1.0%	13,039,151	135,414	276,101	12,903,737	12,763,050
   The Kumamoto Bank (non-consolidated)	Personal deposits		1.8%	1,242,680	22,308	21,987	1,220,372	1,220,693
   	Corporate deposits		2.2%	458,573	9,671	13,025	448,902	445,548
   		General corporate	2.0%	438,897	8,716	11,783	430,181	427,114
   		Public and financial sectors	5.1%	19,675	955	1,241	18,720	18,434
   	Total		1.9%	1,701,253	31,979	35,011	1,669,274	1,666,242
   		Demand	(0.2%)	1,226,177	(1,975)	16,922	1,228,152	1,209,255
   		Time	7.7%	475,075	33,954	18,088	441,121	456,987
   	CDs		233.3%	500	350	(940)	150	1,440
   	Deposits and CDs		1.9%	1,701,753	32,329	34,071	1,669,424	1,667,682
   	Kumamoto Prefecture		2.2%	1,619,733	35,144	40,370	1,584,589	1,579,363
   The Juhachi-Shinwa Bank (non-consolidated)	Personal deposits		0.4%	3,771,662	14,569	11,219	3,757,093	3,760,443
   	Corporate deposits		(1.0%)	1,751,379	(18,449)	(34,209)	1,769,828	1,785,588
   		General corporate	2.3%	1,394,296	31,161	13,004	1,363,135	1,381,292
   		Public and financial sectors	(12.2%)	357,083	(49,610)	(47,213)	406,693	404,296
   	Total		(0.1%)	5,523,041	(3,881)	(22,990)	5,526,922	5,546,031
   		Demand	(1.1%)	4,238,272	(47,734)	(23,978)	4,286,006	4,262,250
   		Time	3.5%	1,284,769	43,853	988	1,240,916	1,283,781
   	CDs		12.2%	89,836	9,759	5,409	80,077	84,427
   	Deposits and CDs		0.1%	5,612,878	5,878	(17,581)	5,607,000	5,630,459
   	Nagasaki Prefecture		(0.1%)	5,164,043	(5,601)	(12,747)	5,169,644	5,176,790
   The Fukuoka Chuo Bank (non-consolidated)	Personal deposits		2.0%	332,343	6,364	(5,542)	325,979	337,885
   	Corporate deposits		2.8%	143,494	3,908	(737)	139,586	144,231
   		General corporate	2.8%	142,000	3,833	(729)	138,167	142,729
   		Public and financial sectors	5.3%	1,493	75	(8)	1,418	1,501
   	Total		2.2%	475,837	10,271	(6,280)	465,566	482,117
   		Demand	1.6%	230,191	3,541	(1,244)	226,650	231,435
   		Time	2.8%	245,646	6,730	(5,035)	238,916	250,681
   	CDs		—	—	—	(130)	—	130
   	Deposits and CDs		2.2%	475,837	10,271	(6,410)	465,566	482,247
   	Fukuoka Prefecture		2.2%	475,837	10,271	(6,280)	465,566	482,117

3. Asset management products

   Group’s total

   ( bil.)

   		Sales of asset management products
   					FY2024	FY2023
   		FY2025	change from FY2024	change from FY2023
   Group's total	Investment trusts	441.7	8.5	90.1	433.2	351.6
   	Individual insurance	181.1	19.0	18.8	162.1	162.3
   	Foreign currency deposits	1.0	(1.6)	0.1	2.6	0.9
   	Government bonds	36.4	17.9	27.8	18.5	8.6
   	FFG Securities	64.7	8.6	12.0	56.1	52.7
   	Total	725.0	52.3	148.6	672.7	576.4

   Outstanding balance of assets under management for individual customers
   			Mar 31, 2025	Mar 31, 2024
   Mar 31, 2026	change from Mar 31, 2025	change from Mar 31, 2024
   1,415.1	299.4	430.8	1,115.7	984.3
   1,491.2	139.2	163.6	1,352.0	1,327.6
   18.0	0.6	0.5	17.4	17.5
   64.8	27.2	33.5	37.6	31.3
   536.9	106.2	105.5	430.7	431.4
   3,526.2	572.6	733.8	2,953.6	2,792.4

   The Bank of Fukuoka (non-consolidated)	Investment trusts	275.5	10.6	65.6	264.9	209.9
   	Individual insurance	103.5	19.4	17.8	84.1	85.7
   	Foreign currency deposits	0.7	(1.4)	0.0	2.1	0.7
   	Government bonds	27.9	14.5	21.1	13.4	6.8
   	Total	407.8	43.1	104.5	364.7	303.3

   883.4	191.5	272.9	691.9	610.5
   836.3	76.8	99.2	759.5	737.1
   13.7	0.4	0.5	13.3	13.2
   48.7	20.7	25.9	28.0	22.8
   1,782.2	289.5	398.5	1,492.7	1,383.7

   The Kumamoto Bank (non-consolidated)	Investment trusts	52.4	1.6	6.6	50.8	45.8
   	Individual insurance	20.0	(0.9)	3.0	20.9	17.0
   	Foreign currency deposits	0.0	(0.1)	0.0	0.1	0.0
   	Government bonds	0.5	0.1	0.3	0.4	0.2
   	Total	73.1	0.7	9.9	72.4	63.2

   168.3	35.7	48.3	132.6	120.0
   172.1	13.1	17.7	159.0	154.4
   1.3	(0.1)	0.0	1.4	1.3
   1.0	0.4	0.4	0.6	0.6
   342.8	49.1	66.4	293.7	276.4

   The Juhachi-Shinwa Bank (non-consolidated)	Investment trusts	107.6	(2.9)	14.6	110.5	93.0
   	Individual insurance	51.6	0.9	(4.0)	50.7	55.6
   	Foreign currency deposits	0.1	(0.2)	0.0	0.3	0.1
   	Government bonds	7.4	3.2	6.0	4.2	1.4
   	Total	166.8	1.0	16.6	165.8	150.2

   346.8	69.7	106.2	277.1	240.6
   449.9	46.6	43.0	403.3	406.9
   2.9	0.2	0.0	2.7	2.9
   13.6	5.7	6.5	7.9	7.1
   813.4	122.3	155.8	691.1	657.6

   The Fukuoka Chuo Bank (non-consolidated)	Investment trusts	6.0	(0.9)	0.4	6.9	5.6
   	Individual insurance	5.8	(0.4)	(0.7)	6.2	6.5
   	Foreign currency deposits	—	—	—	—	—
   	Government bonds	0.5	0.2	0.3	0.3	0.2
   	Total	12.5	(1.0)	0.1	13.5	12.4

   16.5	2.5	3.5	14.0	13.0
   32.7	2.6	3.5	30.1	29.2
   0.0	0.0	0.0	0.0	0.0
   1.3	0.3	0.6	1.0	0.7
   50.7	5.5	7.7	45.2	43.0

   1. The sales of investment trusts include those to corporate customers, but the others are the sales only to individuals.

   1. The sales of individual insurance don’t include level premium insurance besides prepaid contracts.

   2. Figures of FFG Securities' sales of asset management products are the total sales of investment trusts and bonds.

      Figures of FFG Securities' outstanding balance of assets under management for individual customers are the total balance of individual investment trusts, stocks and bonds.

4. Marketable securities

   FFG (consolidated)

   ( mil.)

   				Mar 31, 2026						Sep 30, 2025		Mar 31, 2025
   										Market value	Unrealized gain(loss)	Market value	Unrealized gain(loss)
   				Market value	change from Sep 30, 2025	change from Mar 31, 2025	Unrealized gain(loss)	change from Sep 30, 2025	change from Mar 31, 2025
   FFG (consolidated)	Total After hedges			5,323,015	(414,966)	(117,760)	(35,060) 102,783	24,591 37,927	82,669 122,152	5,737,981	(59,651) 64,856	5,440,775	(117,729) (19,369)
   		Stocks		260,835	7,029	38,259	166,248	14,442	47,584	253,806	151,806	222,576	118,664
   		Domestic bonds After hedges		2,677,215	(584,196)	(485,284)	(192,399) (83,491)	53,846 60,694	30,698 64,204	3,261,411	(246,245) (144,185)	3,162,499	(223,097) (147,695)
   			National government bonds	1,935,115	(725,578)	(724,965)	(134,773)	77,502	59,101	2,660,693	(212,275)	2,660,080	(193,874)
   		Others		2,384,963	162,200	329,263	(8,908)	(43,695)	4,388	2,222,763	34,787	2,055,700	(13,296)
   			Foreign bonds After hedges	1,544,017	126,020	202,683	(33,349) (4,415)	(9,514) (3,028)	(5,502) 474	1,417,997	(23,835) (1,387)	1,341,334	(27,847) (4,889)

   The Bank of Fukuoka (consolidated)	Total			3,353,892	(305,327)	(92,064)	4,633	4,967	45,102	3,659,219	(334)	3,445,956	(40,469)
   		Stocks		195,899	(3,637)	18,481	131,201	3,066	26,943	199,536	128,135	177,418	104,258
   		Domestic bonds		1,523,470	(411,489)	(313,479)	(119,798)	24,938	14,192	1,934,959	(144,736)	1,836,949	(133,990)
   			National government bonds	1,118,825	(481,208)	(462,420)	(88,432)	37,242	29,479	1,600,033	(125,674)	1,581,245	(117,911)
   		Others		1,634,521	109,799	202,932	(6,769)	(23,036)	3,968	1,524,722	16,267	1,431,589	(10,737)
   			Foreign bonds	1,173,660	104,708	161,539	(17,042)	(4,127)	(735)	1,068,952	(12,915)	1,012,121	(16,307)

   The Kumamoto Bank (non-consolidated)	Total			196,572	13,694	31,177	(7,715)	7,260	6,544	182,878	(14,975)	165,395	(14,259)
   		Stocks		2,495	476	768	1,558	477	784	2,019	1,081	1,727	774
   		Domestic bonds		166,746	7,024	18,964	(8,816)	7,389	5,314	159,722	(16,205)	147,782	(14,130)
   			National government bonds	112,881	(22,405)	(21,527)	(7,371)	8,491	6,529	135,286	(15,862)	134,408	(13,900)
   		Others		27,330	6,194	11,445	(457)	(605)	446	21,136	148	15,885	(903)
   			Foreign bonds	—	—	—	—	—	—	—	—	—	—

   The Juhachi-Shinwa Bank (non-consolidated)	Total			1,569,516	(141,752)	(80,462)	(18,151)	4,281	19,494	1,711,268	(22,432)	1,649,978	(37,645)
   		Stocks		53,355	8,104	15,553	38,104	8,249	15,739	45,251	29,855	37,802	22,365
   		Domestic bonds		831,984	(182,927)	(195,381)	(56,635)	19,383	8,360	1,014,911	(76,018)	1,027,365	(64,995)
   			National government bonds	575,209	(226,782)	(249,034)	(33,410)	29,485	20,286	801,991	(62,895)	824,243	(53,696)
   		Others		684,176	33,072	99,366	379	(23,352)	(4,605)	651,104	23,731	584,810	4,984
   			Foreign bonds	363,400	22,089	42,888	(15,971)	(5,452)	(4,874)	341,311	(10,519)	320,512	(11,097)

   The Fukuoka Chuo Bank (non-consolidated)	Total			198,163	21,021	26,000	2,939	332	2,707	177,142	2,607	172,163	232
   		Stocks		9,083	2,085	3,455	6,062	2,085	3,455	6,998	3,977	5,628	2,607
   		Domestic bonds		155,014	5,680	7,163	(4,264)	(1,519)	(1,440)	149,334	(2,745)	147,851	(2,824)
   			National government bonds	128,199	7,301	10,566	(3,323)	(1,288)	(1,238)	120,898	(2,035)	117,633	(2,085)
   		Others		34,064	13,255	15,381	1,141	(234)	692	20,809	1,375	18,683	449
   			Foreign bonds	4,062	(734)	(1,709)	(238)	(33)	(8)	4,796	(205)	5,771	(230)

   In regard to domestic and foreign bonds, the group adopts deferred hedge accounting for derivatives transactions including interest rate swaps to mitigate market price fluctuation risk.
5. Capital adequacy ratio

   ( mil.)

   					Sep 30, 2025	Mar 31, 2025
   		Mar 31, 2026 [preliminary]	change from Sep 30, 2025	change from Mar 31, 2025
   FFG (consolidated)	①Total capital ratio ➃／⑤	11.42%	(0.79%)	(0.95%)	12.21%	12.37%
   	②Core capital	1,059,886	50,713	78,129	1,009,173	981,757
   	③Deduction	73,739	32,265	34,191	41,474	39,548
   	➃Total capital ②-③	986,146	18,448	43,938	967,698	942,208
   	⑤Risk adjusted assets	8,630,245	711,163	1,019,413	7,919,082	7,610,832

   Capital adequacy on its structure based on Pillar 3, market discipline, is disclosed on our website (https://www.fukuoka-fg.com/investor/library/earnings.html).
6. Average fund balance•Interest rate spread (Domestic division)

   Subsidiary banks' total

   ( mil.) (%)

   			Average fund balance
   			FY2025			FY2024
   			annual rate of growth		YoY change
   Subsidiary banks' total	(1) Interest earning assets		7.2%	26,669,573	1,787,426	24,882,147
   		Loans and bills discounted ①	4.2%	19,207,771	774,688	18,433,083
   		Securities	4.6%	4,163,272	184,336	3,978,936
   	(2) Interest bearing liabilities		2.8%	32,617,039	899,680	31,717,359
   		Deposits and CDs ②	0.3%	21,550,146	60,412	21,489,734
   		External liabilities	(7.6%)	8,001,399	(657,104)	8,658,503
   	(3) Difference between average yields on loans and deposits ①-②
   	(4) Average interest rate spread (1)-(2)
   The Bank of Fukuoka (non-consolidated)	(1) Interest earning assets		9.1%	17,696,924	1,482,745	16,214,179
   		Loans and bills discounted ①	8.2%	12,607,052	950,117	11,656,935
   		Securities	3.7%	2,481,333	88,845	2,392,488
   	(2) Interest bearing liabilities		7.7%	21,929,090	1,566,568	20,362,522
   		Deposits and CDs ②	0.7%	13,732,370	98,300	13,634,070
   		External liabilities	3.7%	5,826,147	209,117	5,617,030
   	(3) Difference between average yields on loans and deposits ①-②
   	(4) Average interest rate spread (1)-(2)
   The Kumamoto Bank (non-consolidated)	(1) Interest earning assets		(4.5%)	2,410,103	(113,557)	2,523,660
   		Loans and bills discounted ①	(5.8%)	2,180,994	(133,339)	2,314,333
   		Securities	18.6%	198,661	31,102	167,559
   	(2) Interest bearing liabilities		(3.1%)	3,050,018	(95,972)	3,145,990
   		Deposits and CDs ②	0.7%	1,698,009	12,377	1,685,632
   		External liabilities	(10.4%)	1,225,440	(142,766)	1,368,206
   	(3) Difference between average yields on loans and deposits ①-②
   	(4) Average interest rate spread (1)-(2)
   The Juhachi-Shinwa Bank (non-consolidated)	(1) Interest earning assets		7.1%	5,963,786	395,568	5,568,218
   		Loans and bills discounted ①	(1.1%)	4,000,689	(42,896)	4,043,585
   		Securities	3.1%	1,308,887	39,547	1,269,340
   	(2) Interest bearing liabilities		(7.8%)	6,980,833	(592,387)	7,573,220
   		Deposits and CDs ②	(0.9%)	5,603,737	(49,364)	5,653,101
   		External liabilities	(43.8%)	929,967	(724,500)	1,654,467
   	(3) Difference between average yields on loans and deposits ①-②
   	(4) Average interest rate spread (1)-(2)
   The Fukuoka Chuo Bank (non-consolidated)	(1) Interest earning assets		3.9%	598,757	22,667	576,090
   		Loans and bills discounted ①	0.2%	419,035	807	418,228
   		Securities	16.6%	174,390	24,843	149,547
   	(2) Interest bearing liabilities		3.4%	657,096	21,470	635,626
   		Deposits and CDs ②	(0.2%)	516,029	(900)	516,929
   		External liabilities	5.6%	19,844	1,045	18,799
   	(3) Difference between average yields on loans and deposits ①-②
   	(4) Average interest rate spread (1)-(2)

   Interest rate spread
   FY2025		FY2024
   	YoY change
   1.33	0.34	0.99
   1.19	0.27	0.92
   1.56	0.55	1.01
   0.73	0.24	0.49
   0.20	0.15	0.05
   0.36	0.26	0.10
   0.99	0.12	0.87
   0.60	0.10	0.50
   1.33	0.35	0.98
   1.17	0.24	0.93
   1.68	0.60	1.08
   0.68	0.24	0.44
   0.19	0.14	0.05
   0.36	0.26	0.10
   0.98	0.10	0.88
   0.65	0.11	0.54
   1.38	0.41	0.97
   1.22	0.40	0.82
   1.01	0.26	0.75
   0.83	0.27	0.56
   0.21	0.15	0.06
   0.37	0.22	0.15
   1.01	0.25	0.76
   0.55	0.14	0.41
   1.30	0.32	0.98
   1.18	0.31	0.87
   1.51	0.57	0.94
   0.80	0.26	0.54
   0.19	0.14	0.05
   0.36	0.30	0.06
   0.99	0.17	0.82
   0.50	0.06	0.44
   1.49	0.14	1.35
   1.68	0.17	1.51
   0.80	(0.05)	0.85
   1.28	0.23	1.05
   0.26	0.19	0.07
   0.51	0.41	0.10
   1.42	(0.02)	1.44
   0.21	(0.09)	0.30

   Yield and spread on interest bearing liabilities show cost of funds which include overhead expenses. Cost of funds is calculated according to the following formula.

   Cost of funds = (Funding costs + Overhead expenses) / Average balance of funding-related accounts

7. Non-performing loans FFG (consolidated)

   ( mil.)

   							Sep 30, 2025	Mar 31, 2025
   				Mar 31, 2026	change from Sep 30, 2025	change from Mar 31, 2025
   FFG (consolidated)			Bankrupt and Quasi-bankrupt	51,536	(2,286)	3,055	53,822	48,481
   			Doubtful	138,267	(4,100)	(6,150)	142,367	144,417
   			Substandard	118,653	(3,166)	1,949	121,819	116,704
   		NPLs under the FRL		①	308,456	(9,553)	(1,147)	318,009	309,603
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	1,946,290	60,718	79,934	1,885,572	1,866,356
   			Claims to normal borrowers	18,161,299	511,120	1,260,379	17,650,179	16,900,920
   		Normal claims		20,107,590	571,839	1,340,313	19,535,751	18,767,277
   	Total claims outstandings			②	20,416,047	562,286	1,339,167	19,853,761	19,076,880
   	Ratio of NPLs under the FRL to the total credits			①／②	1.51%	(0.09%)	(0.11%)	1.60%	1.62%
   The Bank of Fukuoka (non-consolidated)			Bankrupt and Quasi-bankrupt	30,441	(785)	2,436	31,226	28,005
   			Doubtful	69,648	(1,961)	(3,290)	71,609	72,938
   			Substandard	77,726	(1,306)	1,945	79,032	75,781
   		NPLs under the FRL		①	177,815	(4,053)	1,090	181,868	176,725
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	1,085,103	45,041	68,592	1,040,062	1,016,511
   			Claims to normal borrowers	12,388,555	442,171	892,869	11,946,384	11,495,686
   		Normal claims		13,473,659	487,212	961,461	12,986,447	12,512,198
   	Total claims outstandings			②	13,651,475	483,160	962,551	13,168,315	12,688,924
   	Ratio of NPLs under the FRL to the total credits			①／②	1.30%	(0.08%)	(0.09%)	1.38%	1.39%
   The Kumamoto Bank (non-consolidated)			Bankrupt and Quasi-bankrupt	5,436	(53)	889	5,489	4,547
   			Doubtful	18,315	(655)	(901)	18,970	19,216
   			Substandard	12,839	3,297	3,607	9,542	9,232
   		NPLs under the FRL		①	36,590	2,587	3,595	34,003	32,995
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	300,282	16,844	19,584	283,438	280,698
   			Claims to normal borrowers	2,046,138	162,952	224,168	1,883,186	1,821,970
   		Normal claims		2,346,420	179,796	243,751	2,166,624	2,102,669
   	Total claims outstandings			②	2,383,011	182,383	247,347	2,200,628	2,135,664
   	Ratio of NPLs under the FRL to the total credits			①／②	1.53%	(0.01%)	(0.01%)	1.54%	1.54%
   The Juhachi-Shinwa Bank (non-consolidated)			Bankrupt and Quasi-bankrupt	7,866	(1,183)	(544)	9,049	8,410
   			Doubtful	34,756	296	(474)	34,460	35,230
   			Substandard	26,438	(5,053)	(3,431)	31,491	29,869
   		NPLs under the FRL		①	69,061	(5,940)	(4,449)	75,001	73,510
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	450,885	2,867	(53)	448,018	450,938
   			Claims to normal borrowers	3,504,887	(124,411)	109,285	3,629,298	3,395,602
   		Normal claims		3,955,773	(121,543)	109,232	4,077,316	3,846,541
   	Total claims outstandings			②	4,024,835	(127,483)	104,784	4,152,318	3,920,051
   	Ratio of NPLs under the FRL to the total credits			①／②	1.71%	(0.09%)	(0.16%)	1.80%	1.87%
   The Fukuoka Chuo Bank (non-consolidated)			Bankrupt and Quasi-bankrupt	2,236	(74)	332	2,310	1,904
   			Doubtful	15,333	(1,758)	(1,383)	17,091	16,716
   			Substandard	1,649	(103)	(173)	1,752	1,822
   		NPLs under the FRL		①	19,219	(1,935)	(1,224)	21,154	20,443
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	109,600	(3,998)	(8,202)	113,598	117,802
   			Claims to normal borrowers	300,231	16,157	10,609	284,074	289,622
   		Normal claims		409,831	12,158	2,406	397,673	407,425
   	Total claims outstandings			②	429,051	10,223	1,183	418,828	427,868
   	Ratio of NPLs under the FRL to the total credits			①／②	4.47%	(0.58%)	(0.30%)	5.05%	4.77%

8. Projections

FFG (consolidated)

( bil.)

Subsidiary banks' total

( bil.)

( bil.)

The projections above were determined based on available information at present, and therefore they may be subject to change.

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