Financial Digest for the Third Quarter of FY2025

Fukuoka Financial Group,Inc.

February 4, 2026

Fukuoka Financial Group, Inc.

Financial Digest for the Third Quarter 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

Payment date of cash dividends: －

Trading Accounts: Established

Supplementary Materials: Attached

IR Conference: Scheduled (for institutional investors, analysts)

(Notes) 1. Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None

2. Amounts less than one million yen are omitted.

1. Consolidated Financial Highlights (from April 1, 2025 to December 31, 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	%
      3Q FY2025	401,901	18.5	99,967	15.7	70,347	15.8
      3Q FY2024	339,166	14.6	86,393	45.3	60,735	(2.2)

      (Note) Comprehensive income 3Q FY2025: 152,304 million [－%] 3Q FY2024: (17,846) million [－%]

      	Net Income per Share	Net Income per Share (Diluted)
      3Q FY2025	372.17	—
      3Q FY2024	321.24	—

   2. Consolidated Financial Position

      	Total Assets	Total Net Assets	Own Capital Ratio
      	Million	Million	%
      December 31, 2025	34,006,509	1,052,010	3.0
      March 31, 2025	32,262,623	929,593	2.8

      (Reference) Own capital

      December 31, 2025: 1,051,588 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)				95.00	180.00

   (Note) 1. Revision of dividends projections from the latest announcement: Yes

   2. With regard to the dividend projection for the fiscal year ending March 31, 2026, please refer to “Notice of Revisions to Full-year Earnings Forecasts and Year-end Dividend Forecast (Dividend Increase)” released today.

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 124,000	% 19.7	Million 85,000	% 17.8	449.72

   (Note) Revision of earnings projections from the latest announcement: Yes

4. Consolidated Financial Statements

1. Consolidated Balance Sheets

   (millions of Yen)

   Item	科目 (Japanese)	As of Mar 31, 2025	As of Dec 31, 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)	7,223,369 12,837 48,954 245 27,574 5,945,034 20,095,537 12,983 450,159 214,993 34,962 32,723 39,075 60,919 (192,863)
   Total assets	資産の部合計	32,262,623	34,006,509
   (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	21,494,303 668,525 2,679,700 2,110,460 1,326,576 4,047,405 6,268 56,000 475,103 795 4,063 362 30 479 23,503 60,919
   Total liabilities	負債の部合計	31,333,029	32,954,499
   (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)	124,799 143,978 721,908 (6,099)
   Total shareholders' equity	株主資本合計	944,074	984,585
   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	(43,974) 54,296 50,514 6,166
   Total accumulated other comprehensive income	その他の包括利益累計 額合計	(14,891)	67,002
   Non-controlling interests	非支配株主持分	410	421
   Total net assets	純資産の部合計	929,593	1,052,010
   Total liabilities and net assets	負債及び純資産の部合 計	32,262,623	34,006,509

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

(millions of Yen)

Consolidated Statements of Comprehensive Income

(millions of Yen)

Fukuoka Financial Group,Inc.

February 4, 2026

-4-

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

   ¥109.6 billion

   ¥112.8 billion

   ¥83.9 billion

   Consolidated

   Core business profit Ordinary profit

   Net income attributable to owners of the parent

   ¥101.1 billion

   ¥100.0 billion

   ¥70.3 billion

   Subsidiary banks' total

   FFG (consolidated)

   ( mil.)

   			9 months		9 months ended Dec 31, 2024	9 months		9 months ended Dec 31, 2024
   			ended Dec 31, 2025	Comparison		ended Dec 31, 2025	Comparison
   Gross business profit			197,590	17,570	180,020	219,124	24,820	194,304
   	Net interest income		183,569	16,873	166,696	184,104	17,957	166,147
   		Domestic	171,462	15,587	155,875	172,008	16,671	155,337
   		International	12,107	1,286	10,821	12,096	1,286	10,810
   	Net fees and commissions		21,537	(3,089)	24,626	31,642	(2,357)	33,999
   	Net trading income		20	7	13	64	(62)	126
   	Net other operating income		(7,537)	3,778	(11,315)	3,312	9,281	(5,969)
   		Gains (losses) on sales (redemptions) of bonds	(9,279)	2,247	(11,526)	(9,743)	2,170	(11,913)
   Overhead expenses (-)			97,277	5,437	91,840	127,726	9,488	118,238
   Bus iness profit (before transfer to general reserve for possible loan losses)			100,313	12,134	88,179	91,398	15,332	76,066
   ① Transfer to general reserve for possible loan losses (-)			(2,014)	(2,014)	—	(1,300)	179	(1,479)
   Bus iness profit			102,327	14,148	88,179	92,698	15,153	77,545
   Core business profit			109,592	9,886	99,706	101,141	13,162	87,979
   Core business profit (excluding gains (losses) on cancellation of investment trusts)			107,223	5,819	101,404	98,885	8,719	90,166
   Other operating profit (loss)			10,457	(4,156)	14,613	7,269	(1,578)	8,847
   	② Credit cost for disposal of non-performing loans (-)		4,618	7,339	(2,721)	8,148	5,286	2,862
   		Net transfer to specific reserve for possible loan losses (-)	3,959	3,959	—	7,395	5,251	2,144
   		Reversal of allowance for loan losses	—	(3,282)	3,282	—	—	—
   		Recoveries of written-off claims	3	(149)	152	3	(149)	152
   	Gains (losses) on stocks		15,443	4,612	10,831	15,154	4,915	10,239
   	Equity in earnings (losses) of affiliates		—	—	—	36	96	(60)
   	Others		(367)	(1,426)	1,059	227	(1,304)	1,531
   Ordinary profit			112,784	9,991	102,793	99,967	13,574	86,393
   Extraordinary profit (loss)			(40)	(1,545)	1,505	(318)	(1,476)	1,158
   Income (loss) before income taxes			112,744	8,446	104,298	99,649	12,098	87,551
   Total income taxes (-)			28,810	852	27,958	29,290	2,486	26,804
   Net income			83,934	7,594	76,340	70,358	9,611	60,747
   Net income attributable to non-controlling interests (-)						11	(1)	12
   Net income attributable to owners of the parent						70,347	9,612	60,735
   Total credit cost ①+② (-)			2,604	5,325	(2,721)	6,847	5,464	1,383

   Reference (¥ bil.)	25/3Q	24/3Q	Comparison
   Net income (Subsidiary banks' total)	83.9	76.3	7.6
   FFG non-consolidated	(14.2)	(11.2)	(3.0)
   Profit (loss) related to Minna Bank	(1.9)	(6.1)	4.1
   Profit (loss) of subsidiary companies	3.8	3.4	0.4
   Other consolidation adjustments	(1.2)	(1.7)	0.5
   FFG’s consolidated net profit for the quarter	70.3	60.7	9.6

   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.)

1. Assets and liabilities

1. Loans Subsidiary banks' total

   ( mil.)

   								Mar 31, 2025	Dec 31, 2024
   				annual rate of growth	Dec 31, 2025	change from Mar 31, 2025	change from Dec 31, 2024
   Subsidiary banks' total	Total loans Excluding loans to FFG, the Japanese government and others			6.4% 2.6%	20,176,801 16,399,132	1,106,205 442,356	1,206,859 419,957	19,070,596 15,956,776	18,969,942 15,979,175
   		Personal segment		3.0%	4,328,706	90,349	126,511	4,238,357	4,202,195
   		Corporate segment		7.3%	15,848,093	1,015,856	1,080,350	14,832,237	14,767,743
   			General corporate	2.7%	10,609,720	318,237	276,463	10,291,483	10,333,257
   			Public sector	18.1%	5,238,371	697,619	803,886	4,540,752	4,434,485
   	Personal loans			3.0%	4,214,870	91,193	124,161	4,123,677	4,090,709
   		Housing loans		3.1%	3,782,440	84,022	112,107	3,698,418	3,670,333
   		Consumer loans		4.6%	383,027	10,955	16,888	372,072	366,139
   	Loans to small-and-medium-sized enterprises, etc.			2.5%	12,325,933	245,805	304,087	12,080,128	12,021,846
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	61.08%	(2.26%)	(2.29%)	63.34%	63.37%

   The Bank of Fukuoka (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			6.8% 2.6%	13,387,970 11,226,839	763,091 336,215	856,051 280,200	12,624,879 10,890,624	12,531,919 10,946,639
   		Personal segment		3.0%	2,695,191	55,276	78,846	2,639,915	2,616,345
   		Corporate segment		7.8%	10,692,778	707,815	777,205	9,984,963	9,915,573
   			General corporate	2.4%	7,650,129	227,473	178,283	7,422,656	7,471,846
   			Public sector	24.5%	3,042,649	480,342	598,922	2,562,307	2,443,727
   	Fukuoka Prefecture			2.7%	8,497,366	257,191	226,712	8,240,175	8,270,654
   	Personal loans			3.1%	2,635,289	56,176	79,227	2,579,113	2,556,062
   		Housing loans		3.1%	2,365,752	51,912	71,418	2,313,840	2,294,334
   		Consumer loans		4.4%	240,308	6,218	10,047	234,090	230,261
   	Loans to small-and-medium-sized enterprises, etc.			2.2%	8,273,890	142,456	180,496	8,131,434	8,093,394
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	61.80%	(2.60%)	(2.78%)	64.40%	64.58%

   The Kumamoto Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			4.3% 5.6%	2,266,988 1,606,598	144,214 70,762	92,841 85,679	2,122,774 1,535,836	2,174,147 1,520,919
   		Personal segment		5.6%	641,984	25,291	33,857	616,693	608,127
   		Corporate segment		3.8%	1,625,003	118,922	58,984	1,506,081	1,566,019
   			General corporate	6.5%	815,123	43,161	49,948	771,962	765,175
   			Public sector	1.1%	809,880	75,762	9,037	734,118	800,843
   	Kumamoto Prefecture			5.6%	1,502,286	64,217	80,063	1,438,069	1,422,223
   	Personal loans			5.4%	612,761	24,012	31,498	588,749	581,263
   		Housing loans		5.2%	569,639	21,071	28,047	548,568	541,592
   		Consumer loans		12.9%	38,567	3,271	4,396	35,296	34,171
   	Loans to small-and-medium-sized enterprises, etc.			6.0%	1,384,698	61,799	78,123	1,322,899	1,306,575
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	61.08%	(1.23%)	0.99%	62.31%	60.09%

   The Juhachi-Shinwa Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			7.0% 1.9%	4,105,465 3,173,497	208,957 39,699	269,971 60,289	3,896,508 3,133,798	3,835,494 3,113,208
   		Personal segment		1.7%	923,259	11,133	15,046	912,126	908,213
   		Corporate segment		8.7%	3,182,206	197,824	254,926	2,984,382	2,927,280
   			General corporate	3.1%	1,841,742	51,014	55,194	1,790,728	1,786,548
   			Public sector	17.5%	1,340,463	146,810	199,731	1,193,653	1,140,732
   	Nagasaki Prefecture			(0.1%)	2,236,830	(12,837)	(2,700)	2,249,667	2,239,530
   	Personal loans			1.7%	905,897	12,118	14,931	893,779	890,966
   		Housing loans		1.7%	805,582	11,734	13,364	793,848	792,218
   		Consumer loans		3.5%	87,966	1,748	2,996	86,218	84,970
   	Loans to small-and-medium-sized enterprises, etc.			2.3%	2,304,306	44,146	50,838	2,260,160	2,253,468
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	56.12%	(1.88%)	(2.63%)	58.00%	58.75%

   The Fukuoka Chuo Bank (non-consolidated)	Total loans Excluding loans to FFG, the Japanese government and others			(2.8%) (1.6%)	416,378 392,198	(10,057) (4,320)	(12,004) (6,211)	426,435 396,518	428,382 398,409
   		Personal segment		(1.8%)	68,272	(1,351)	(1,238)	69,623	69,510
   		Corporate segment		(3.0%)	348,106	(8,705)	(10,765)	356,811	358,871
   			General corporate	(2.2%)	302,726	(3,411)	(6,962)	306,137	309,688
   			Public sector	(7.7%)	45,379	(5,295)	(3,804)	50,674	49,183
   	Fukuoka Prefecture			(1.6%)	392,198	(4,320)	(6,211)	396,518	398,409
   	Personal loans			(2.4%)	60,923	(1,113)	(1,495)	62,036	62,418
   		Housing loans		(1.7%)	41,467	(695)	(722)	42,162	42,189
   		Consumer loans		(3.3%)	16,186	(282)	(551)	16,468	16,737
   	Loans to small-and-medium-sized enterprises, etc.			(1.5%)	363,039	(2,596)	(5,370)	365,635	368,409
   	Loans to small-and-medium-sized enterprises, etc. ratio			—	87.18%	1.44%	1.18%	85.74%	86.00%

   The term-end balance of loans includes loans granted by the Bank of Fukuoka to FFG (¥98.6 billion at the end of December 2025,

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

2. Deposits Subsidiary banks' total

   ( mil.)

   							Mar 31, 2025	Dec 31, 2024
   			annual rate of growth	Dec 31, 2025	change from Mar 31, 2025	change from Dec 31, 2024
   Subsidiary banks' total	Personal deposits		0.9%	14,707,967	360,029	138,089	14,347,938	14,569,878
   	Corporate deposits		(1.0%)	6,782,628	(423,834)	(68,346)	7,206,462	6,850,974
   		General corporate	2.2%	5,688,662	408,990	119,767	5,279,672	5,568,895
   		Public and financial sectors	(14.7%)	1,093,965	(832,823)	(188,113)	1,926,788	1,282,078
   	Total		0.3%	21,490,599	(63,804)	69,746	21,554,403	21,420,853
   		Demand	(0.5%)	16,235,732	(409,912)	(88,275)	16,645,644	16,324,007
   		Time	3.1%	5,254,866	346,108	158,021	4,908,758	5,096,845
   	CDs		11.7%	730,523	408,025	76,277	322,498	654,246
   	Deposits and CDs		0.7%	22,221,125	344,223	146,024	21,876,902	22,075,101
   The Bank of Fukuoka (non-consolidated)	Personal deposits		1.1%	9,290,514	246,020	102,045	9,044,494	9,188,469
   	Corporate deposits		(0.0%)	4,528,608	(319,538)	(1,495)	4,848,146	4,530,103
   		General corporate	3.0%	3,753,946	405,757	109,850	3,348,189	3,644,096
   		Public and financial sectors	(12.6%)	774,662	(725,295)	(111,344)	1,499,957	886,006
   	Total		0.7%	13,819,123	(73,518)	100,551	13,892,641	13,718,572
   		Demand	(0.0%)	10,586,681	(318,155)	(507)	10,904,836	10,587,188
   		Time	3.2%	3,232,442	244,637	101,058	2,987,805	3,131,384
   	CDs		7.5%	539,069	296,798	37,701	242,271	501,368
   	Deposits and CDs		1.0%	14,358,193	223,281	138,252	14,134,912	14,219,941
   	Fukuoka Prefecture		0.6%	12,755,907	(147,830)	74,934	12,903,737	12,680,973
   The Kumamoto Bank (non-consolidated)	Personal deposits		1.5%	1,253,837	33,465	18,668	1,220,372	1,235,169
   	Corporate deposits		(0.0%)	462,622	13,720	(153)	448,902	462,775
   		General corporate	0.5%	431,469	1,288	2,078	430,181	429,391
   		Public and financial sectors	(6.7%)	31,153	12,433	(2,231)	18,720	33,384
   	Total		1.1%	1,716,460	47,186	18,516	1,669,274	1,697,944
   		Demand	0.2%	1,242,323	14,171	2,910	1,228,152	1,239,413
   		Time	3.4%	474,136	33,015	15,605	441,121	458,531
   	CDs		66.5%	999	849	399	150	600
   	Deposits and CDs		1.1%	1,717,460	48,036	18,916	1,669,424	1,698,544
   	Kumamoto Prefecture		1.5%	1,635,558	50,969	23,955	1,584,589	1,611,603
   The Juhachi-Shinwa Bank (non-consolidated)	Personal deposits		0.3%	3,825,822	68,729	12,759	3,757,093	3,813,063
   	Corporate deposits		(3.8%)	1,618,626	(151,202)	(64,637)	1,769,828	1,683,263
   		General corporate	0.5%	1,357,467	(5,668)	6,212	1,363,135	1,351,255
   		Public and financial sectors	(21.3%)	261,159	(145,534)	(70,849)	406,693	332,008
   	Total		(0.9%)	5,444,449	(82,473)	(51,878)	5,526,922	5,496,327
   		Demand	(2.0%)	4,146,331	(139,675)	(86,500)	4,286,006	4,232,831
   		Time	2.7%	1,298,118	57,202	34,622	1,240,916	1,263,496
   	CDs		23.9%	174,717	94,640	33,701	80,077	141,016
   	Deposits and CDs		(0.3%)	5,619,167	12,167	(18,176)	5,607,000	5,637,343
   	Nagasaki Prefecture		(1.0%)	5,077,086	(92,558)	(49,483)	5,169,644	5,126,569
   The Fukuoka Chuo Bank (non-consolidated)	Personal deposits		1.4%	337,794	11,815	4,617	325,979	333,177
   	Corporate deposits		(1.2%)	172,772	33,186	(2,061)	139,586	174,833
   		General corporate	1.1%	145,780	7,613	1,627	138,167	144,153
   		Public and financial sectors	(12.0%)	26,991	25,573	(3,689)	1,418	30,680
   	Total		0.5%	510,567	45,001	2,557	465,566	508,010
   		Demand	(1.6%)	260,397	33,747	(4,178)	226,650	264,575
   		Time	2.8%	250,170	11,254	6,736	238,916	243,434
   	CDs		39.7%	15,738	15,738	4,476	—	11,262
   	Deposits and CDs		1.4%	526,305	60,739	7,032	465,566	519,273
   	Fukuoka Prefecture		0.5%	510,567	45,001	2,557	465,566	508,010

3. Asset management products

   Group’s total

   ( bil.)

   		Sales of asset management products
   				3Q FY2024 (9 months)
   		3Q FY2025 (9 months)	change from 3Q FY2024
   Group's total	Investment trusts	305.2	(9.5)	314.7
   	Individual insurance	136.9	12.6	124.3
   	Foreign currency deposits	0.6	(1.2)	1.8
   	Government bonds	20.5	7.9	12.6
   	FFG Securities	46.4	4.9	41.5
   	Total	509.8	14.6	495.2
   The Bank of Fukuoka (non-consolidated)	Investment trusts	191.7	(0.5)	192.2
   	Individual insurance	77.4	12.8	64.6
   	Foreign currency deposits	0.4	(1.2)	1.6
   	Government bonds	15.7	6.3	9.4
   	Total	285.3	17.4	267.9
   The Kumamoto Bank (non-consolidated)	Investment trusts	36.5	(0.6)	37.1
   	Individual insurance	15.3	(0.8)	16.1
   	Foreign currency deposits	0.0	(0.1)	0.1
   	Government bonds	0.3	0.0	0.3
   	Total	52.2	(1.5)	53.7
   The Juhachi-Shinwa Bank (non-consolidated)	Investment trusts	72.8	(7.5)	80.3
   	Individual insurance	39.7	0.6	39.1
   	Foreign currency deposits	0.1	0.0	0.1
   	Government bonds	4.1	1.5	2.6
   	Total	116.8	(5.4)	122.2
   The Fukuoka Chuo Bank (non-consolidated)	Investment trusts	4.0	(1.0)	5.0
   	Individual insurance	4.5	0.1	4.4
   	Foreign currency deposits	—	—	—
   	Government bonds	0.3	0.1	0.2
   	Total	8.9	(0.9)	9.8

   Outstanding balance of assets under management for individual customers
   			Mar 31, 2025	Dec 31, 2024
   Dec 31, 2025	change from Mar 31, 2025	change from Dec 31, 2024
   1,413.2	297.5	258.2	1,115.7	1,155.0
   1,469.3	117.3	95.4	1,352.0	1,373.9
   17.8	0.4	(0.4)	17.4	18.2
   52.3	14.7	17.7	37.6	34.6
   519.6	88.9	80.8	430.7	438.8
   3,472.4	518.8	451.7	2,953.6	3,020.7
   883.2	191.3	164.8	691.9	718.4
   822.0	62.5	57.6	759.5	764.4
   13.5	0.2	(0.4)	13.3	13.9
   40.2	12.2	14.3	28.0	25.9
   1,759.0	266.3	236.2	1,492.7	1,522.8
   168.8	36.2	30.4	132.6	138.4
   169.9	10.9	9.9	159.0	160.0
   1.3	(0.1)	(0.1)	1.4	1.4
   0.8	0.2	0.2	0.6	0.6
   341.0	47.3	40.5	293.7	300.5
   344.3	67.2	60.5	277.1	283.8
   444.7	41.4	24.6	403.3	420.1
   2.8	0.1	0.0	2.7	2.8
   11.2	3.3	4.1	7.9	7.1
   803.1	112.0	89.1	691.1	714.0
   16.7	2.7	2.6	14.0	14.1
   32.7	2.6	3.4	30.1	29.3
   0.0	0.0	0.0	0.0	0.0
   0.0	(1.0)	(0.9)	1.0	0.9
   49.5	4.3	5.1	45.2	44.4

   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.)

   				Dec 31, 2025				Mar 31, 2025
   								Market value	Unrealized gain(loss)
   				Market value	change from Mar 31, 2025	Unrealized gain(loss)	change from Mar 31, 2025
   FFG (consolidated)	Total After hedges			5,824,036	383,261	(69,479) 114,240	48,250 133,609	5,440,775	(117,729) (19,369)
   		Stocks		279,257	56,681	180,178	61,514	222,576	118,664
   		Domestic bonds After hedges		3,182,925	20,426	(303,154) (147,126)	(80,057) 569	3,162,499	(223,097) (147,695)
   			National government bonds	2,540,486	(119,594)	(256,084)	(62,210)	2,660,080	(193,874)
   		Others		2,361,853	306,153	53,495	66,791	2,055,700	(13,296)
   			Foreign bonds After hedges	1,485,112	143,778	(24,397) 3,295	3,450 8,184	1,341,334	(27,847) (4,889)
   The Bank of Fukuoka (consolidated)	Total			3,677,931	231,975	(3,510)	36,959	3,445,956	(40,469)
   		Stocks		216,954	39,536	148,206	43,948	177,418	104,258
   		Domestic bonds		1,850,150	13,201	(178,425)	(44,435)	1,836,949	(133,990)
   			National government bonds	1,498,416	(82,829)	(151,739)	(33,828)	1,581,245	(117,911)
   		Others		1,610,826	179,237	26,707	37,444	1,431,589	(10,737)
   			Foreign bonds	1,122,471	110,350	(12,052)	4,255	1,012,121	(16,307)
   The Kumamoto Bank (non-consolidated)	Total			197,315	31,920	(18,275)	(4,016)	165,395	(14,259)
   		Stocks		2,371	644	1,433	659	1,727	774
   		Domestic bonds		169,724	21,942	(20,240)	(6,110)	147,782	(14,130)
   			National government bonds	132,655	(1,753)	(19,424)	(5,524)	134,408	(13,900)
   		Others		25,219	9,334	531	1,434	15,885	(903)
   			Foreign bonds	—	—	—	—	—	—
   The Juhachi-Shinwa Bank (non-consolidated)	Total			1,752,836	102,858	(27,380)	10,265	1,649,978	(37,645)
   		Stocks		51,977	14,175	36,607	14,242	37,802	22,365
   		Domestic bonds		1,007,596	(19,769)	(94,520)	(29,525)	1,027,365	(64,995)
   			National government bonds	781,362	(42,881)	(76,491)	(22,795)	824,243	(53,696)
   		Others		693,263	108,453	30,532	25,548	584,810	4,984
   			Foreign bonds	355,136	34,624	(11,917)	(820)	320,512	(11,097)
   The Fukuoka Chuo Bank (non-consolidated)	Total			188,511	16,348	3,286	3,054	172,163	232
   		Stocks		7,954	2,326	4,932	2,325	5,628	2,607
   		Domestic bonds		153,082	5,231	(3,588)	(764)	147,851	(2,824)
   			National government bonds	125,679	8,046	(2,735)	(650)	117,633	(2,085)
   		Others		27,474	8,791	1,941	1,492	18,683	449
   			Foreign bonds	4,582	(1,189)	(218)	12	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. Non-performing loans

   FFG (consolidated)

   ( mil.)

   						Mar 31, 2025	Dec 31, 2024
   			Dec 31, 2025	change from Mar 31, 2025	change from Dec 31, 2024
   FFG (consolidated)	NPLs under the FRL	①	316,217	6,614	9,439	309,603	306,778
   		Bankrupt and Quasi-bankrupt	53,077	4,596	4,108	48,481	48,969
   		Doubtful	142,810	(1,607)	(3,446)	144,417	146,256
   		Substandard	120,328	3,624	8,776	116,704	111,552
   	Total claims outstandings	②	20,214,008	1,137,128	1,239,446	19,076,880	18,974,562
   	Ratio of NPLs under the FRL to the total credits	①／②	1.56%	(0.06%)	(0.05%)	1.62%	1.61%
   The Bank of Fukuoka (non-consolidated)	NPLs under the FRL	①	182,131	5,406	10,986	176,725	171,145
   		Bankrupt and Quasi-bankrupt	31,034	3,029	1,590	28,005	29,444
   		Doubtful	73,401	463	(597)	72,938	73,998
   		Substandard	77,695	1,914	9,993	75,781	67,702
   	Total claims outstandings	②	13,459,719	770,795	864,196	12,688,924	12,595,523
   	Ratio of NPLs under the FRL to the total credits	①／②	1.35%	(0.04%)	0.00%	1.39%	1.35%
   The Kumamoto Bank (non-consolidated)	NPLs under the FRL	①	33,648	653	(442)	32,995	34,090
   		Bankrupt and Quasi-bankrupt	5,363	816	796	4,547	4,567
   		Doubtful	18,308	(908)	(1,815)	19,216	20,123
   		Substandard	9,976	744	577	9,232	9,399
   	Total claims outstandings	②	2,280,597	144,933	93,206	2,135,664	2,187,391
   	Ratio of NPLs under the FRL to the total credits	①／②	1.47%	(0.07%)	(0.08%)	1.54%	1.55%
   The Juhachi-Shinwa Bank (non-consolidated)	NPLs under the FRL	①	73,774	264	(1,152)	73,510	74,926
   		Bankrupt and Quasi-bankrupt	8,712	302	886	8,410	7,826
   		Doubtful	34,052	(1,178)	(573)	35,230	34,625
   		Substandard	31,010	1,141	(1,464)	29,869	32,474
   	Total claims outstandings	②	4,132,211	212,160	271,635	3,920,051	3,860,576
   	Ratio of NPLs under the FRL to the total credits	①／②	1.78%	(0.09%)	(0.16%)	1.87%	1.94%
   The Fukuoka Chuo Bank (non-consolidated)	NPLs under the FRL	①	20,722	279	(63)	20,443	20,785
   		Bankrupt and Quasi-bankrupt	2,272	368	680	1,904	1,592
   		Doubtful	16,803	87	(414)	16,716	17,217
   		Substandard	1,646	(176)	(329)	1,822	1,975
   	Total claims outstandings	②	418,072	(9,796)	(11,696)	427,868	429,768
   	Ratio of NPLs under the FRL to the total credits	①／②	4.95%	0.18%	0.12%	4.77%	4.83%

   Figures of the Non-performing loans and Total claims outstandings include bank guaranteed private placement bonds.
6. Average fund balance•Interest rate spread (Domestic division)

Subsidiary banks' total

( mil.) (%)

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)*365/275} / Average balance of funding-related accounts