Financial Digest for the Interim of FY2025

Fukuoka Financial Group,Inc.

Fukuoka Financial Group, Inc.

Financial Digest for the Interim of FY2025

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

November 10, 2025

Payment date of cash dividends: Filing date of Financial Statements:

December 10, 2025 (scheduled)

November 25, 2025 (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 September 30, 2025)

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

      	Ordinary Income		Ordinary Profit		Net Income attributable to owners of the parent
      	Million	%	Million	%	Million	%
      Interim of FY2025	258,782	15.1	62,814	12.9	43,574	11.2
      Interim of FY2024	224,887	15.6	55,633	25.1	39,180	29.4

      (Note) Comprehensive income

      Interim of FY2025: 102,364 million [－%]

      Interim of FY2024: (2,454) million [－%]

      	Net Income per Share	Net Income per Share (Diluted)
      Interim of FY2025	230.50	—
      Interim of FY2024	207.23	—

   2. Consolidated Financial Position

      	Total Assets	Total Net Assets	Own Capital Ratio
      	Million	Million	%
      September 30, 2025	33,212,213	1,018,165	3.0
      March 31, 2025	32,262,623	929,593	2.8

      (Reference) Own capital

      September 30, 2025: 1,017,734 million

      March 31, 2025: 929,183 million

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

2. Dividend Payment

   	Dividends declared per Share
   	First Quarter-end	Second Quarter-end	Third Quarter-end	Fiscal Year-end	Total
   FY2024 FY2025	— —	65.00 85.00	—	70.00	135.00
   FY2025 (projection)			—	85.00	170.00

   (Note) Revision of dividends projections from the latest announcement: None

3. Consolidated Earnings Projections for Fiscal year 2025, (Year ending March 31, 2026)

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

   	Ordinary Profit		Net Income attributable to owners of the parent		Net Income per Share
   FY2025	Million 117,000	% 12.9	Million 80,000	% 10.9	423.27

   (Note) Revision of earnings projections from the latest announcement: None

4. Consolidated Financial Statements

1. Consolidated Balance Sheets

   (millions of Yen)

   Item	科目 (Japanese)	As of Mar 31, 2025	As of Sep 30, 2025
   (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)	6,993,779 22,629 46,135 253 26,964 5,854,285 19,739,134 17,440 314,018 214,827 31,332 28,942 50,352 64,451 (192,336)
   Total assets	資産の部合計	32,262,623	33,212,213
   (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 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	21,067,334 634,780 2,513,300 1,650,330 1,725,405 4,099,174 6,857 56,000 347,445 805 4,228 362 30 36 23,503 64,451
   Total liabilities	負債の部合計	31,333,029	32,194,047
   (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)	124,799 143,978 711,226 (6,095)
   Total shareholders' equity	株主資本合計	944,074	973,908
   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	(37,585) 26,179 50,514 4,718
   Total accumulated other comprehensive income	その他の包括利益累計 額合計	(14,891)	43,826
   Non-controlling interests	非支配株主持分	410	430
   Total net assets	純資産の部合計	929,593	1,018,165
   Total liabilities and net assets	負債及び純資産の部合 計	32,262,623	33,212,213

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

   (millions of Yen)

   Item	科目 (Japanese)	6 months ended Sep 30, 2024	6 months ended Sep 30, 2025
   Ordinary income: Interest income Interest on loans and discounts Interest and dividends on securities Fees and commissions Trading income Other operating income Other income Ordinary expenses: Interest expenses Interest on deposits Fees and commissions payments Other operating expenses General and administrative expenses Other expenses	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）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	224,887 172,498 95,975 53,063 36,066 64 6,576 9,680 169,254 62,127 6,750 13,988 13,725 77,300 2,112	258,782 204,358 122,283 55,313 36,985 44 11,142 6,251 195,968 84,675 22,777 15,630 5,158 85,180 5,321
   Ordinary profit	経常利益	55,633	62,814
   Extraordinary income Gain on disposal of noncurrent assets Extraordinary loss Loss on disposal of noncurrent assets Impairment loss Loss on change in equity	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 持分変動損失	1,670 1,670 707 265 91 349	15 15 333 179 153 —
   Income before income taxes:	税金等調整前中間期純 利益	56,596	62,495
   Current Deferred	法人税、住民税及び事 業税 法人税等調整額	13,708 3,690	17,138 1,762
   Total income taxes	法人税等合計	17,398	18,901
   Net income	中間期純利益	39,198	43,594
   Net income attributable to non-controlling interests	非支配株主に帰属する中 間期純利益	17	20
   Net income attributable to owners of the parent	親会社株主に帰属する中 間期純利益	39,180	43,574

   Consolidated Statements of Comprehensive Income

   (millions of Yen)

   Item	科目 (Japanese)	6 months ended Sep 30, 2024	6 months ended Sep 30, 2025
   Net income Other comprehensive income Valuation difference on available-for-sale securities Deferred gains or losses on hedges Remeasurements of defined benefit plans Share of other comprehensive income of associates accounted for using equity method	中間純利益 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 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	39,198 (41,652) (19,461) (21,437) (761) 7	43,594 58,769 40,467 19,476 (1,195) 21
   Total comprehensive income	中間包括利益	(2,454)	102,364
   (Breakdown) Comprehensive income attributable to owners of the parent Comprehensive income attributable to non-controlling interests	（内訳） 親会社株主に係る中 間包括利益非支配株主に係る中間包括利益	(2,472) 17	102,344 20

3. Consolidated Statements of Changes in Net Assets

Interim of FY2024

(millions of Yen)

Interim of FY2025

(millions of Yen)

Fukuoka Financial Group,Inc.

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.

“Financial Highlights” will be posted on our website later as a reference material.

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1. Gain and loss

   Subsidiary banks’ total

   Core business profit Ordinary profit

   Net income

   ¥70.6 billion

   ¥69.6 billion

   ¥51.2 billion

   Consolidated

   Core business profit Ordinary profit

   Net income attributable to owners of the parent

   ¥66.6 billion

   ¥62.8 billion

   ¥43.6 billion

   Subsidiary banks' total

   FFG (consolidated)

   ( mil.)

   【projections*】 announced			6 months ended		6 months ended Sep 30, 2024	6 months ended		6 months ended Sep 30, 2024
   			Sep 30, 2025	Comparison		Sep 30, 2025	Comparison
   Gross business profit			130,823	14,721	116,102	147,251	21,817	125,434
   	Net interest income		119,625	8,147	111,478	119,868	9,429	110,439
   		Domestic	111,526	7,379	104,147	111,775	8,659	103,116
   		International	8,099	768	7,331	8,092	769	7,323
   	Net fees and commissions		14,526	(1,361)	15,887	21,354	(724)	22,078
   	Net trading income		13	5	8	44	(20)	64
   	Net other operating income		(3,341)	7,930	(11,271)	5,983	13,131	(7,148)
   		Gains (losses) on sales (redemptions) of bonds	(4,196)	7,045	(11,241)	(4,233)	7,394	(11,627)
   Overhead expenses (-)			64,391	3,577	60,814	84,921	6,555	78,366
   Business profit (before transfer to general reserve for possible loan losses)			66,431	11,143	55,288	62,329	15,261	47,068
   ① Transfer to general reserve for possible loan losses (-)			(2,510)	(2,510)	—	(1,834)	(1,834)	—
   Business profit			68,941	13,653	55,288	64,164	17,096	47,068
   Core business profit			【67,400】	70,628	4,099	66,529	66,562	7,866	58,696
   Core business profit (excluding gains (losses) on cancellation of investment trusts)			70,462	2,488	67,974	66,492	6,059	60,433
   Other operating profit (loss)			636	(11,117)	11,753	(1,349)	(9,914)	8,565
   	② Credit cost for disposal of non-performing loans (-)		4,326	6,918	(2,592)	6,697	6,399	298
   		Net transfer to specific reserve for possible loan losses (-)	3,957	3,957	—	6,234	6,234	—
   		Reversal of allowance for loan losses	—	(2,849)	2,849	—	(113)	113
   		Recoveries of written-off claims	1	(151)	152	1	(151)	152
   	Gains (losses) on stocks		5,237	(3,439)	8,676	5,177	(2,913)	8,090
   	Equity in earnings (losses) of affiliates		—	—	—	34	78	(44)
   	Others		(274)	(758)	484	135	(682)	817
   Ordinary profit			【65,900】	69,578	2,536	67,042	62,814	7,181	55,633
   Extraordinary profit (loss)			(304)	(1,616)	1,312	(318)	(1,281)	963
   Income (loss) before income taxes			69,273	919	68,354	62,495	5,899	56,596
   Total income taxes (-)			18,092	(291)	18,383	18,901	1,503	17,398
   Net income			【48,800】	51,181	1,211	49,970	43,594	4,396	39,198
   Net income attributable to non-controlling interests (-)						20	3	17
   Net income attributable to owners of the parent						【40,500】	43,574	4,394	39,180
   Total credit cost ①+② (-)			【5,500】	1,816	4,408	(2,592)	4,862	4,564	298

   Reference (¥ bil.)	Interim of FY2025	Interim of FY2024	Comparison
   Net income (Subsidiary banks' total)	51.2	50.0	1.2
   FFG non-consolidated	(9.5)	(7.4)	(2.0)
   Profit (loss) related to Minna Bank	(0.1)	(4.1)	4.0
   Profit (loss) of subsidiary companies	2.5	2.1	0.3
   Other consolidation adjustments	(0.5)	(1.4)	0.9
   FFG’s consolidated interim net profit	43.6	39.2	4.4

   *The projections announced in the Financial Digest that was released on May 12, 2025. They are the figures of subsidiary banks’ total, excluding that of net income attributable to owners of the parent.

   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.)

   【projections 】 announced			6 months ended		6 months ended Sep 30, 2024
   			Sep 30, 2025	Comparison
   Gross business profit			86,655	6,859	79,796
   	Net interest income		78,402	4,724	73,678
   		Domestic	71,561	4,794	66,767
   		International	6,841	(69)	6,910
   	Net fees and commissions		10,642	(882)	11,524
   	Net trading income		13	5	8
   	Net other operating income		(2,403)	3,011	(5,414)
   		Gains (losses) on sales (redemptions) of bonds	(3,308)	2,194	(5,502)
   Overhead expenses (-)			36,946	2,420	34,526
   Business profit (before transfer to general reserve for possible loan losses)			49,708	4,438	45,270
   ① Transfer to general reserve for possible loan losses (-)			—	—	—
   Business profit			49,708	4,438	45,270
   Core business profit 【52,900】			53,017	2,245	50,772
   Core business profit (excluding gains (losses) on cancellation of investment trusts)			53,367	1,338	52,029
   Other operating profit (loss)			3,960	(597)	4,557
   	② Credit cost for disposal of non-performing loans (-)		102	620	(518)
   		Net transfer to specific reserve for possible loan losses (-)	—	—	—
   		Reversal of allowance for loan losses	106	(489)	595
   		Recoveries of written-off claims	0	(130)	130
   	Gains (losses) on stocks		4,456	816	3,640
   	Others		(392)	(790)	398
   Ordinary profit 【53,400】			53,669	3,841	49,828
   Extraordinary profit (loss)			(207)	(951)	744
   Income (loss) before income taxes			53,461	2,889	50,572
   Total income taxes (-)			14,145	326	13,819
   Net income 【38,900】			39,316	2,563	36,753
   Total credit cost ①+② (-) 【2,900】			102	620	(518)

   The Kumamoto Bank (non-consolidated)

   ( mil.)

   【projections 】 announced			6 months ended		6 months ended Sep 30, 2024
   			Sep 30, 2025	Comparison
   Gross business profit			11,854	716	11,138
   	Net interest income		11,080	828	10,252
   		Domestic	11,071	827	10,244
   		International	9	1	8
   	Net fees and commissions		724	(129)	853
   	Net other operating income		49	17	32
   		Gains (losses) on sales (redemptions) of bonds	(0)	(5)	5
   Overhead expenses (-)			7,313	441	6,872
   Business profit (before transfer to general reserve for possible loan losses)			4,541	275	4,266
   ① Transfer to general reserve for possible loan losses (-)			(292)	(292)	—
   Business profit			4,834	568	4,266
   Core business profit 【4,200】			4,541	281	4,260
   Core business profit (excluding gains (losses) on cancellation of investment trusts)			4,541	281	4,260
   Other operating profit (loss)			(1,005)	(1,479)	474
   	② Credit cost for disposal of non-performing loans (-)		849	1,448	(599)
   		Net transfer to specific reserve for possible loan losses (-)	790	790	—
   		Reversal of allowance for loan losses	—	(616)	616
   		Recoveries of written-off claims	0	0	0
   	Gains (losses) on stocks		40	40	—
   	Others		(196)	(72)	(124)
   Ordinary profit 【3,300】			3,828	(913)	4,741
   Extraordinary profit (loss)			(1)	78	(79)
   Income (loss) before income taxes			3,826	(835)	4,661
   Total income taxes (-)			922	(330)	1,252
   Net income 【2,500】			2,904	(505)	3,409
   Total credit cost ①+② (-) 【800】			557	1,156	(599)

   The Juhachi-Shinwa Bank (non-consolidated)

   ( mil.)

   【projections 】 announced			6 months ended		6 months ended Sep 30, 2024
   			Sep 30, 2025	Comparison
   Gross business profit			28,826	7,526	21,300
   	Net interest income		26,735	2,941	23,794
   		Domestic	25,493	2,093	23,400
   		International	1,242	849	393
   	Net fees and commissions		3,070	(322)	3,392
   	Net other operating income		(979)	4,906	(5,885)
   		Gains (losses) on sales (redemptions) of bonds	(878)	4,863	(5,741)
   Overhead expenses (-)			17,018	599	16,419
   Business profit (before transfer to general reserve for possible loan losses)			11,807	6,926	4,881
   ① Transfer to general reserve for possible loan losses (-)			365	365	—
   Business profit			11,442	6,561	4,881
   Core business profit 【10,000】			12,685	2,062	10,623
   Core business profit (excluding gains (losses) on cancellation of investment trusts)			12,170	1,359	10,811
   Other operating profit (loss)			392	(7,031)	7,423
   	② Credit cost for disposal of non-performing loans (-)		577	2,853	(2,276)
   		Net transfer to specific reserve for possible loan losses (-)	489	489	—
   		Reversal of allowance for loan losses	—	(2,347)	2,347
   		Recoveries of written-off claims	—	(14)	14
   	Gains (losses) on stocks		739	(4,292)	5,031
   	Others		230	115	115
   Ordinary profit 【9,000】			11,834	(471)	12,305
   Extraordinary profit (loss)			(83)	(756)	673
   Income (loss) before income taxes			11,750	(1,229)	12,979
   Total income taxes (-)			2,879	(522)	3,401
   Net income 【7,000】			8,871	(706)	9,577
   Total credit cost ①+② (-) 【1,600】			942	3,218	(2,276)

   The Fukuoka Chuo Bank (non-consolidated)

   ( mil.)

   【projections 】 announced			6 months ended		6 months ended Sep 30, 2024
   			Sep 30, 2025	Comparison
   Gross business profit			3,487	(379)	3,866
   	Net interest income		3,407	(346)	3,753
   		Domestic	3,401	(333)	3,734
   		International	6	(12)	18
   	Net fees and commissions		88	(29)	117
   	Net other operating income		(8)	(5)	(3)
   		Gains (losses) on sales (redemptions) of bonds	(8)	(5)	(3)
   Overhead expenses (-)			3,113	117	2,996
   Business profit (before transfer to general reserve for possible loan losses)			374	(495)	869
   ① Transfer to general reserve for possible loan losses (-)			(41)	(666)	625
   Business profit			415	171	244
   Core business profit 【500】			382	(491)	873
   Core business profit (excluding gains (losses) on cancellation of investment trusts)			382	(491)	873
   Other operating profit (loss)			(170)	(94)	(76)
   	② Credit cost for disposal of non-performing loans (-)		254	79	175
   		Net transfer to specific reserve for possible loan losses (-)	241	157	84
   		Reversal of allowance for loan losses	—	—	—
   		Recoveries of written-off claims	1	(6)	7
   	Gains (losses) on stocks		—	(3)	3
   	Others		84	(10)	94
   Ordinary profit 【300】			245	78	167
   Extraordinary profit (loss)			(10)	17	(27)
   Income (loss) before income taxes			234	94	140
   Total income taxes (-)			145	235	(90)
   Net income 【500】			88	(143)	231
   Total credit cost ①+② (-) 【300】			213	(587)	800

2. Assets and liabilities

1. Loans Subsidiary banks' total

   ( mil.)

   								Mar 31, 2025	Sep 30, 2024
   				annual rate of growth	Sep 30, 2025	change from Mar 31, 2025	change from Sep 30, 2024
   Subsidiary banks' total	Total loans Excluding loans to FFG, the Japanese government and others			1.0% 2.6%	19,830,135 16,080,842	759,539 124,066	201,665 411,654	19,070,596 15,956,776	19,628,470 15,669,188
   		Personal segment		3.0%	4,292,603	54,246	124,085	4,238,357	4,168,518
   		Corporate segment		0.5%	15,537,531	705,294	77,581	14,832,237	15,459,950
   			General corporate	2.9%	10,385,040	93,557	292,473	10,291,483	10,092,567
   			Public sector	(4.0%)	5,152,488	611,736	(214,894)	4,540,752	5,367,382
   	Personal loans			3.0%	4,177,481	53,804	120,420	4,123,677	4,057,061
   		Housing loans		3.0%	3,747,070	48,652	109,807	3,698,418	3,637,263
   		Consumer loans		4.1%	380,193	8,121	14,953	372,072	365,240
   	Loans to small-and-medium-sized enterprises, etc.			2.6%	12,143,481	63,353	308,626	12,080,128	11,834,855
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	61.23%	(2.11%)	0.94%	63.34%	60.29%
   The Bank of Fukuoka (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			3.6% 2.7%	13,097,668 10,979,965	472,789 89,341	457,168 285,709	12,624,879 10,890,624	12,640,500 10,694,256
   		Personal segment		3.0%	2,674,791	34,876	78,323	2,639,915	2,596,468
   		Corporate segment		3.8%	10,422,877	437,914	378,845	9,984,963	10,044,032
   			General corporate	2.9%	7,484,463	61,807	211,897	7,422,656	7,272,566
   			Public sector	6.0%	2,938,413	376,106	166,947	2,562,307	2,771,466
   	Fukuoka Prefecture			2.3%	8,316,462	76,287	188,134	8,240,175	8,128,328
   	Personal loans			3.1%	2,614,093	34,980	77,756	2,579,113	2,536,337
   		Housing loans		3.1%	2,344,977	31,137	70,276	2,313,840	2,274,701
   		Consumer loans		4.0%	239,438	5,348	9,243	234,090	230,195
   	Loans to small-and-medium-sized enterprises, etc.			2.6%	8,154,655	23,221	203,572	8,131,434	7,951,083
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	62.26%	(2.14%)	(0.64%)	64.40%	62.90%
   The Kumamoto Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			(8.1%) 6.1%	2,188,141 1,573,893	65,367 38,057	(192,653) 90,118	2,122,774 1,535,836	2,380,794 1,483,775
   		Personal segment		5.7%	632,057	15,364	33,962	616,693	598,095
   		Corporate segment		(12.7%)	1,556,084	50,003	(226,614)	1,506,081	1,782,698
   			General corporate	6.4%	792,078	20,116	47,316	771,962	744,762
   			Public sector	(26.4%)	764,005	29,887	(273,931)	734,118	1,037,936
   	Kumamoto Prefecture			6.4%	1,473,017	34,948	88,453	1,438,069	1,384,564
   	Personal loans			5.6%	603,258	14,509	31,786	588,749	571,472
   		Housing loans		5.3%	561,095	12,527	28,428	548,568	532,667
   		Consumer loans		11.6%	37,317	2,021	3,864	35,296	33,453
   	Loans to small-and-medium-sized enterprises, etc.			5.8%	1,357,541	34,642	74,768	1,322,899	1,282,773
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	62.04%	(0.27%)	8.16%	62.31%	53.88%
   The Juhachi-Shinwa Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			(1.5%) 1.5%	4,127,121 3,139,532	230,613 5,734	(64,494) 44,936	3,896,508 3,133,798	4,191,615 3,094,596
   		Personal segment		1.4%	917,063	4,937	13,052	912,126	904,011
   		Corporate segment		(2.4%)	3,210,058	225,676	(77,546)	2,984,382	3,287,604
   			General corporate	2.4%	1,809,779	19,051	43,107	1,790,728	1,766,672
   			Public sector	(7.9%)	1,400,278	206,625	(120,653)	1,193,653	1,520,931
   	Nagasaki Prefecture			0.1%	2,227,460	(22,207)	2,480	2,249,667	2,224,980
   	Personal loans			1.5%	898,997	5,218	13,044	893,779	885,953
   		Housing loans		1.5%	799,314	5,466	12,080	793,848	787,234
   		Consumer loans		3.4%	87,303	1,085	2,863	86,218	84,440
   	Loans to small-and-medium-sized enterprises, etc.			1.7%	2,271,812	11,652	38,109	2,260,160	2,233,703
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	55.04%	(2.96%)	1.76%	58.00%	53.28%
   The Fukuoka Chuo Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			0.4% (2.3%)	417,205 387,452	(9,230) (9,066)	1,644 (9,109)	426,435 396,518	415,561 396,561
   		Personal segment		(1.8%)	68,692	(931)	(1,252)	69,623	69,944
   		Corporate segment		0.8%	348,512	(8,299)	2,896	356,811	345,616
   			General corporate	(3.2%)	298,720	(7,417)	(9,847)	306,137	308,567
   			Public sector	34.4%	49,792	(882)	12,743	50,674	37,049
   	Fukuoka Prefecture			(2.3%)	387,452	(9,066)	(9,109)	396,518	396,561
   	Personal loans			(3.4%)	61,133	(903)	(2,166)	62,036	63,299
   		Housing loans		(2.3%)	41,684	(478)	(977)	42,162	42,661
   		Consumer loans		(5.9%)	16,135	(333)	(1,017)	16,468	17,152
   	Loans to small-and-medium-sized enterprises, etc.			(2.1%)	359,473	(6,162)	(7,823)	365,635	367,296
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	86.16%	0.42%	(2.22%)	85.74%	88.38%

   The term-end balance of loans includes loans granted by the Bank of Fukuoka to FFG (¥103.1 billion at the end of Sep 2025,

   ¥109.9 billion at the end of March 2025, and ¥118.1 billion at the end of Sep 2024).

2. Deposits Subsidiary banks' total

   ( mil.)

   							Mar 31, 2025	Sep 30, 2024
   			annual rate of growth	Sep 30, 2025	change from Mar 31, 2025	change from Sep 30, 2024
   Subsidiary banks' total	Personal deposits		0.8%	14,421,907	73,969	118,934	14,347,938	14,302,973
   	Corporate deposits		(2.3%)	6,646,467	(559,995)	(154,613)	7,206,462	6,801,080
   	Total		(0.2%)	21,068,376	(486,027)	(35,678)	21,554,403	21,104,054
   		Demand	(0.9%)	15,940,351	(705,293)	(148,922)	16,645,644	16,089,273
   		Time	2.3%	5,128,022	219,264	113,242	4,908,758	5,014,780
   	CDs		13.8%	695,779	373,281	84,137	322,498	611,642
   	Deposits and CDs		0.2%	21,764,156	(112,746)	48,459	21,876,902	21,715,697
   The Bank of Fukuoka (non-consolidated)	Personal deposits		1.1%	9,089,652	45,158	94,687	9,044,494	8,994,965
   	Corporate deposits		(2.0%)	4,363,775	(484,371)	(90,859)	4,848,146	4,454,634
   	Total		0.0%	13,453,427	(439,214)	3,828	13,892,641	13,449,599
   		Demand	(0.9%)	10,320,167	(584,669)	(97,441)	10,904,836	10,417,608
   		Time	3.3%	3,133,259	145,454	101,268	2,987,805	3,031,991
   	CDs		21.8%	529,274	287,003	94,585	242,271	434,689
   	Deposits and CDs		0.7%	13,982,701	(152,211)	98,413	14,134,912	13,884,288
   	Fukuoka Prefecture		(0.2%)	12,473,201	(430,536)	(24,049)	12,903,737	12,497,250
   The Kumamoto Bank (non-consolidated)	Personal deposits		1.1%	1,230,036	9,664	12,928	1,220,372	1,217,108
   	Corporate deposits		1.9%	470,672	21,770	8,859	448,902	461,813
   	Total		1.3%	1,700,709	31,435	21,788	1,669,274	1,678,921
   		Demand	1.3%	1,233,737	5,585	16,266	1,228,152	1,217,471
   		Time	1.2%	466,972	25,851	5,523	441,121	461,449
   	CDs		5.2%	999	849	49	150	950
   	Deposits and CDs		1.3%	1,701,709	32,285	21,838	1,669,424	1,679,871
   	Kumamoto Prefecture		1.5%	1,618,496	33,907	23,530	1,584,589	1,594,966
   The Juhachi-Shinwa Bank (non-consolidated)	Personal deposits		0.2%	3,766,484	9,391	7,839	3,757,093	3,758,645
   	Corporate deposits		(4.1%)	1,643,089	(126,739)	(69,362)	1,769,828	1,712,451
   	Total		(1.1%)	5,409,573	(117,349)	(61,524)	5,526,922	5,471,097
   		Demand	(1.4%)	4,134,798	(151,208)	(59,360)	4,286,006	4,194,158
   		Time	(0.2%)	1,274,774	33,858	(2,165)	1,240,916	1,276,939
   	CDs		(9.7%)	148,768	68,691	(15,973)	80,077	164,741
   	Deposits and CDs		(1.4%)	5,558,341	(48,659)	(77,497)	5,607,000	5,635,838
   	Nagasaki Prefecture		(1.0%)	5,049,830	(119,814)	(51,260)	5,169,644	5,101,090
   The Fukuoka Chuo Bank (non-consolidated)	Personal deposits		1.0%	335,735	9,756	3,480	325,979	332,255
   	Corporate deposits		(1.9%)	168,931	29,345	(3,251)	139,586	172,182
   	Total		0.0%	504,667	39,101	230	465,566	504,437
   		Demand	(3.2%)	251,649	24,999	(8,387)	226,650	260,036
   		Time	3.5%	253,017	14,101	8,616	238,916	244,401
   	CDs		48.6%	16,738	16,738	5,476	—	11,262
   	Deposits and CDs		1.1%	521,405	55,839	5,705	465,566	515,700
   	Fukuoka Prefecture		0.0%	504,667	39,101	230	465,566	504,437

3. Asset management products

   Group’s total

   ( bil.)

   		Sales of asset management products
   		1st half of			2nd half of FY2024 (6 months)	1st half of FY2024 (6 months)
   		FY2025 (6 months)	change from 2nd half of FY2024	change from 1st half of FY2024
   Group's total	Investment trusts	180.0	(29.3)	(43.8)	209.3	223.8
   	Individual insurance	97.2	20.2	12.1	77.0	85.1
   	Foreign currency deposits	0.5	(0.5)	(1.0)	1.0	1.5
   	Government bonds	13.5	2.8	5.7	10.7	7.8
   	FFG Securities	29.1	0.6	1.5	28.5	27.6
   	Total	320.4	(6.3)	(25.6)	326.7	346.0
   The Bank of Fukuoka (non-consolidated)	Investment trusts	113.3	(16.0)	(22.2)	129.3	135.5
   	Individual insurance	55.1	15.6	10.5	39.5	44.6
   	Foreign currency deposits	0.3	(0.4)	(1.0)	0.7	1.3
   	Government bonds	10.3	2.7	4.6	7.6	5.7
   	Total	179.1	1.8	(8.2)	177.3	187.3
   The Kumamoto Bank (non-consolidated)	Investment trusts	21.7	(2.6)	(4.8)	24.3	26.5
   	Individual insurance	10.1	0.5	(1.1)	9.6	11.2
   	Foreign currency deposits	0.0	0.0	0.0	0.0	0.0
   	Government bonds	0.2	(0.1)	0.2	0.3	0.0
   	Total	32.1	(2.4)	(5.8)	34.5	37.9
   The Juhachi-Shinwa Bank (non-consolidated)	Investment trusts	42.5	(9.7)	(15.7)	52.2	58.2
   	Individual insurance	28.6	4.0	2.5	24.6	26.1
   	Foreign currency deposits	0.1	(0.1)	0.0	0.2	0.1
   	Government bonds	2.7	0.3	1.0	2.4	1.7
   	Total	74.1	(5.5)	(12.1)	79.6	86.2
   The Fukuoka Chuo Bank (non-consolidated)	Investment trusts	2.4	(1.0)	(1.0)	3.4	3.4
   	Individual insurance	3.2	0.2	0.0	3.0	3.2
   	Foreign currency deposits	—	—	—	—	—
   	Government bonds	0.2	0.1	0.1	0.1	0.1
   	Total	5.9	(0.7)	(0.9)	6.6	6.8

   Outstanding balance of assets under management for individual customers
   			Mar 31, 2025	Sep 30, 2024
   Sep 30, 2025	change from Mar 31, 2025	change from Sep 30, 2024
   1,308.5	192.8	236.1	1,115.7	1,072.4
   1,434.5	82.5	106.0	1,352.0	1,328.5
   17.7	0.3	0.9	17.4	16.8
   47.1	9.5	14.5	37.6	32.6
   485.7	55.0	59.0	430.7	426.7
   3,293.7	340.1	416.4	2,953.6	2,877.3
   816.9	125.0	153.2	691.9	663.7
   801.8	42.3	60.8	759.5	741.0
   13.3	0.0	0.5	13.3	12.8
   35.2	7.2	11.1	28.0	24.1
   1,667.4	174.7	225.6	1,492.7	1,441.8
   157.5	24.9	28.8	132.6	128.7
   165.3	6.3	10.3	159.0	155.0
   1.4	0.0	0.1	1.4	1.3
   0.7	0.1	0.1	0.6	0.6
   325.1	31.4	39.3	293.7	285.8
   318.1	41.0	52.0	277.1	266.1
   434.5	31.2	31.2	403.3	403.3
   2.9	0.2	0.3	2.7	2.6
   9.9	2.0	3.0	7.9	6.9
   765.6	74.5	86.6	691.1	679.0
   15.9	1.9	2.2	14.0	13.7
   32.7	2.6	3.7	30.1	29.0
   0.0	0.0	0.0	0.0	0.0
   1.1	0.1	0.3	1.0	0.8
   49.8	4.6	6.1	45.2	43.7

   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.)

   				Sep 30, 2025						Mar 31, 2025		Sep 30, 2024
   										Market value	Unrealized gain(loss)	Market value	Unrealized gain(loss)
   				Market value	change from Mar 31, 2025	change from Sep 30, 2024	Unrealized gain(loss)	change from Mar 31, 2025	change from Sep 30, 2024
   FFG (consolidated)	Total After hedges			5,737,981	297,206	496,694	(59,651) 64,856	58,078 84,225	(75,487) 12,545	5,440,775	(117,729) (19,369)	5,241,287	15,836 52,311
   		Stocks		253,806	31,230	38,910	151,806	33,142	25,414	222,576	118,664	214,896	126,392
   		Domestic bonds After hedges		3,261,411	98,912	185,200	(246,245) (144,185)	(23,148) 3,510	(121,365) (48,569)	3,162,499	(223,097) (147,695)	3,076,211	(124,880) (95,616)
   			National government bonds	2,660,693	613	112,248	(212,275)	(18,401)	(104,059)	2,660,080	(193,874)	2,548,445	(108,216)
   		Others		2,222,763	167,063	272,584	34,787	48,083	20,463	2,055,700	(13,296)	1,950,179	14,324
   			Foreign bonds After hedges	1,417,997	76,663	146,954	(23,835) (1,387)	4,012 3,502	(14,876) 362	1,341,334	(27,847) (4,889)	1,271,043	(8,959) (1,749)
   The Bank of Fukuoka (consolidated)	Total			3,659,219	213,263	316,061	(334)	40,135	(38,761)	3,445,956	(40,469)	3,343,158	38,427
   		Stocks		199,536	22,118	30,600	128,135	23,877	16,554	177,418	104,258	168,936	111,581
   		Domestic bonds		1,934,959	98,010	116,232	(144,736)	(10,746)	(67,188)	1,836,949	(133,990)	1,818,727	(77,548)
   			National government bonds	1,600,033	18,788	38,308	(125,674)	(7,763)	(57,054)	1,581,245	(117,911)	1,561,725	(68,620)
   		Others		1,524,722	93,133	169,228	16,267	27,004	11,873	1,431,589	(10,737)	1,355,494	4,394
   			Foreign bonds	1,068,952	56,831	113,635	(12,915)	3,392	(6,339)	1,012,121	(16,307)	955,317	(6,576)
   The Kumamoto Bank (non-consolidated)	Total			182,878	17,483	27,403	(14,975)	(716)	(7,378)	165,395	(14,259)	155,475	(7,597)
   		Stocks		2,019	292	114	1,081	307	129	1,727	774	1,905	952
   		Domestic bonds		159,722	11,940	19,528	(16,205)	(2,075)	(8,368)	147,782	(14,130)	140,194	(7,837)
   			National government bonds	135,286	878	8,161	(15,862)	(1,962)	(8,079)	134,408	(13,900)	127,125	(7,783)
   		Others		21,136	5,251	7,760	148	1,051	860	15,885	(903)	13,376	(712)
   			Foreign bonds	—	—	—	—	—	—	—	—	—	—
   The Juhachi-Shinwa Bank (non-consolidated)	Total			1,711,268	61,290	134,864	(22,432)	15,213	(30,321)	1,649,978	(37,645)	1,576,404	7,889
   		Stocks		45,251	7,449	7,494	29,855	7,490	8,017	37,802	22,365	37,757	21,838
   		Domestic bonds		1,014,911	(12,454)	32,861	(76,018)	(11,023)	(44,751)	1,027,365	(64,995)	982,050	(31,267)
   			National government bonds	801,991	(22,252)	47,213	(62,895)	(9,199)	(37,986)	824,243	(53,696)	754,778	(24,909)
   		Others		651,104	66,294	94,508	23,731	18,747	6,413	584,810	4,984	556,596	17,318
   			Foreign bonds	341,311	20,799	35,711	(10,519)	578	(8,462)	320,512	(11,097)	305,600	(2,057)
   The Fukuoka Chuo Bank (non-consolidated)	Total			177,142	4,979	18,148	2,607	2,375	(670)	172,163	232	158,994	3,277
   		Stocks		6,998	1,370	701	3,977	1,370	701	5,628	2,607	6,297	3,276
   		Domestic bonds		149,334	1,483	16,831	(2,745)	79	(2,215)	147,851	(2,824)	132,503	(530)
   			National government bonds	120,898	3,265	18,818	(2,035)	50	(1,796)	117,633	(2,085)	102,080	(239)
   		Others		20,809	2,126	617	1,375	926	844	18,683	449	20,192	531
   			Foreign bonds	4,796	(975)	(2,648)	(205)	25	(47)	5,771	(230)	7,444	(158)

   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.)

   					Mar 31, 2025	Sep 30, 2024
   		Sep 30, 2025 [preliminary]	change from Mar 31, 2025	change from Sep 30, 2024
   FFG (consolidated)	①Total capital ratio ➃／⑤	12.21%	(0.16%)	0.22%	12.37%	11.99%
   	②Core capital	1,009,173	27,416	34,330	981,757	974,843
   	③Deduction	41,474	1,926	(28,827)	39,548	70,301
   	➃Total capital ②-③	967,698	25,490	63,157	942,208	904,541
   	⑤Risk adjusted assets	7,919,082	308,250	376,975	7,610,832	7,542,107

   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). (This information is Japanese only.)
6. Average fund balance•Interest rate spread (Domestic division)

   Subsidiary banks' total

   ( mil.) (%)

   			Average fund balance
   			1st half of FY2025			1st half of FY2024 (6 months)
   			annual rate of growth	(6 months)	YoY change
   Subsidiary banks' total	(1) Interest earning assets		6.7%	26,311,835	1,661,998	24,649,837
   		Loans and bills discounted ①	2.3%	18,936,915	428,529	18,508,386
   		Securities	11.2%	4,184,522	421,438	3,763,084
   	(2) Interest bearing liabilities		2.0%	32,421,802	630,885	31,790,917
   		Deposits and CDs ②	0.3%	21,591,836	53,853	21,537,983
   		External liabilities	(15.3%)	7,676,961	(1,391,634)	9,068,595
   	(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		9.7%	17,501,556	1,550,161	15,951,395
   		Loans and bills discounted ①	9.1%	12,469,438	1,039,997	11,429,441
   		Securities	10.3%	2,512,744	234,016	2,278,728
   	(2) Interest bearing liabilities		8.3%	21,718,383	1,669,023	20,049,360
   		Deposits and CDs ②	0.9%	13,737,793	124,886	13,612,907
   		External liabilities	(3.3%)	5,538,987	(187,216)	5,726,203
   	(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		(9.1%)	2,358,378	(235,061)	2,593,439
   		Loans and bills discounted ①	(13.2%)	2,112,769	(320,162)	2,432,931
   		Securities	18.7%	188,590	29,653	158,937
   	(2) Interest bearing liabilities		(5.9%)	3,051,444	(192,934)	3,244,378
   		Deposits and CDs ②	0.3%	1,693,716	4,295	1,689,421
   		External liabilities	(15.2%)	1,229,132	(219,831)	1,448,963
   	(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		5.7%	5,858,946	316,369	5,542,577
   		Loans and bills discounted ①	(7.0%)	3,935,739	(295,480)	4,231,219
   		Securities	10.8%	1,315,189	127,930	1,187,259
   	(2) Interest bearing liabilities		(11.0%)	7,002,290	(864,860)	7,867,150
   		Deposits and CDs ②	(1.2%)	5,647,851	(67,334)	5,715,185
   		External liabilities	(52.5%)	889,259	(984,395)	1,873,654
   	(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		5.4%	592,954	30,529	562,425
   		Loans and bills discounted ①	1.0%	418,968	4,175	414,793
   		Securities	21.6%	167,998	29,839	138,159
   	(2) Interest bearing liabilities		3.1%	649,683	19,656	630,027
   		Deposits and CDs ②	(1.5%)	512,473	(7,996)	520,469
   		External liabilities	(1.0%)	19,582	(192)	19,774
   	(3) Difference between average yields on loans and deposits ①-②
   	(4) Average interest rate spread (1)-(2)

   Interest rate spread
   1st half of FY2025		1st half of FY2024 (6 months)
   (6 months)	YoY change
   1.21	0.28	0.93
   1.14	0.29	0.85
   1.10	0.05	1.05
   0.69	0.25	0.44
   0.18	0.16	0.02
   0.29	0.24	0.05
   0.96	0.13	0.83
   0.52	0.03	0.49
   1.19	0.28	0.91
   1.12	0.24	0.88
   1.08	(0.02)	1.10
   0.63	0.23	0.40
   0.18	0.16	0.02
   0.28	0.23	0.05
   0.94	0.08	0.86
   0.56	0.05	0.51
   1.34	0.45	0.89
   1.17	0.45	0.72
   0.90	0.10	0.80
   0.78	0.28	0.50
   0.19	0.17	0.02
   0.32	0.21	0.11
   0.98	0.28	0.70
   0.56	0.17	0.39
   1.21	0.27	0.94
   1.14	0.36	0.78
   1.19	0.21	0.98
   0.76	0.28	0.48
   0.17	0.15	0.02
   0.30	0.27	0.03
   0.97	0.21	0.76
   0.45	(0.01)	0.46
   1.44	0.07	1.37
   1.64	0.15	1.49
   0.75	(0.26)	1.01
   1.22	0.23	0.99
   0.21	0.17	0.04
   0.45	0.42	0.03
   1.43	(0.02)	1.45
   0.22	(0.16)	0.38

   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)*365/183} / Average balance of funding-related accounts

7. Non-performing loans FFG (consolidated)

   ( mil.)

   							Mar 31, 2025	Sep 30, 2024
   				Sep 30, 2025	change from Mar 31, 2025	change from Sep 30, 2024
   FFG (consolidated)			Bankrupt and Quasi-bankrupt	53,822	5,341	7,328	48,481	46,494
   			Doubtful	142,367	(2,050)	(12,417)	144,417	154,784
   			Substandard	121,819	5,115	17,758	116,704	104,061
   		NPLs under the FRL		①	318,009	8,406	12,669	309,603	305,340
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	1,885,572	19,216	17,543	1,866,356	1,868,029
   			Claims to normal borrowers	17,650,179	749,259	204,465	16,900,920	17,445,714
   		Normal claims		19,535,751	768,474	222,007	18,767,277	19,313,744
   	Total claims outstandings			②	19,853,761	776,881	234,677	19,076,880	19,619,084
   	Ratio of NPLs under the FRL to the total credits			①／②	1.60%	(0.02%)	0.05%	1.62%	1.55%
   The Bank of Fukuoka (non-consolidated)			Bankrupt and Quasi-bankrupt	31,226	3,221	3,384	28,005	27,842
   			Doubtful	71,609	(1,329)	(11,073)	72,938	82,682
   			Substandard	79,032	3,251	20,533	75,781	58,499
   		NPLs under the FRL		①	181,868	5,143	12,845	176,725	169,023
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	1,040,062	23,551	30,803	1,016,511	1,009,259
   			Claims to normal borrowers	11,946,384	450,698	425,322	11,495,686	11,521,062
   		Normal claims		12,986,447	474,249	456,125	12,512,198	12,530,322
   	Total claims outstandings			②	13,168,315	479,391	468,969	12,688,924	12,699,346
   	Ratio of NPLs under the FRL to the total credits			①／②	1.38%	(0.01%)	0.05%	1.39%	1.33%
   The Kumamoto Bank (non-consolidated)			Bankrupt and Quasi-bankrupt	5,489	942	957	4,547	4,532
   			Doubtful	18,970	(246)	(1,271)	19,216	20,241
   			Substandard	9,542	310	85	9,232	9,457
   		NPLs under the FRL		①	34,003	1,008	(227)	32,995	34,230
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	283,438	2,740	14,293	280,698	269,145
   			Claims to normal borrowers	1,883,186	61,216	(207,703)	1,821,970	2,090,889
   		Normal claims		2,166,624	63,955	(193,410)	2,102,669	2,360,034
   	Total claims outstandings			②	2,200,628	64,964	(193,637)	2,135,664	2,394,265
   	Ratio of NPLs under the FRL to the total credits			①／②	1.54%	0.00%	0.12%	1.54%	1.42%
   The Juhachi-Shinwa Bank (non-consolidated)			Bankrupt and Quasi-bankrupt	9,049	639	1,617	8,410	7,432
   			Doubtful	34,460	(770)	(272)	35,230	34,732
   			Substandard	31,491	1,622	(2,545)	29,869	34,036
   		NPLs under the FRL		①	75,001	1,491	(1,200)	73,510	76,201
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	448,018	(2,920)	(18,164)	450,938	466,182
   			Claims to normal borrowers	3,629,298	233,696	(42,477)	3,395,602	3,671,775
   		Normal claims		4,077,316	230,775	(60,641)	3,846,541	4,137,957
   	Total claims outstandings			②	4,152,318	232,267	(61,841)	3,920,051	4,214,159
   	Ratio of NPLs under the FRL to the total credits			①／②	1.80%	(0.07%)	0.00%	1.87%	1.80%
   The Fukuoka Chuo Bank (non-consolidated)			Bankrupt and Quasi-bankrupt	2,310	406	713	1,904	1,597
   			Doubtful	17,091	375	238	16,716	16,853
   			Substandard	1,752	(70)	(316)	1,822	2,068
   		NPLs under the FRL		①	21,154	711	635	20,443	20,519
   			Claims to borrowers requiring caution, excluding claims to substandard borrowers	113,598	(4,204)	(9,373)	117,802	122,971
   			Claims to normal borrowers	284,074	(5,548)	10,694	289,622	273,380
   		Normal claims		397,673	(9,752)	1,322	407,425	396,351
   	Total claims outstandings			②	418,828	(9,040)	1,957	427,868	416,871
   	Ratio of NPLs under the FRL to the total credits			①／②	5.05%	0.28%	0.13%	4.77%	4.92%

8. Projections

FFG (consolidated)

( bil.)

Subsidiary banks' total

( bil.)

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