Financial Highlights in May, 2026

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Fukuoka Financial Group

Financial Highlights

May 13, 2026

Financial Results for FY2025 [Consolidated Results]

Consolidated core business profit reached ¥151.7 billion (+¥32.6 billion year-on-year), landing ¥23.3 billion above the annual

≫ Core gross business profit increased by ¥45.1 billion year-on-year, driven by an increase in domestic net interest, as well as recording revenue from external system sales related to Minna Bank.

≫ Overhead expenses increased by ¥12.4 billion year-on-year primarily due to an increase in base pay and DX-related growth investments; however, they are being appropriately controlled while carefully assessing the return on investment for each initiative.

Consolidated net income reached ¥85.4 billion (+¥13.3 billion year-on-year), landing ¥5.4 billion above the annual projection*1

≫ Gains (losses) on securities decreased by ¥3.3 billion year on year, as gains on the sale of strategic shareholdings were recorded, while portfolio rebalancing was implemented to aim to improve earnings in the following fiscal years.

≫ Credit cost was a net provision of ¥18.2 billion. As provisions were recorded to prepare for concerns over the situation in the Middle East, credit cost increased by ¥12.1 billion year-on-year.

Average loan and deposit balances maintained an upward trend, and unrealized gains (losses) on securities (after considering hedges)

≫ Average loan balance*2 increased by ¥403.0 billion year-on-year (annual rate of +2.6%), and the average balance of deposits*2, etc. increased by ¥77.2 billion (annual rate of +0.4%). Both loan and deposit volumes expanded.

≫ Unrealized gains (losses) on securities (after considering hedges) improved to +¥102.7 billion overall, primarily due to an increase in unrealized gains from investment trusts and stocks following the rise in stock prices.

Annual Earnings and Dividend Projection for FY2026

The projection of consolidated net income is ¥100.0 billion, and the projected DPS is ¥210.

≫ The profit target under the 8th Medium-Term Management Plan announced in May 2025 (consolidated net income of ¥100.0 billion in FY2027) is expected to

be achieved one year ahead of schedule.

≫ Based on the shareholder return policy (target dividend payout ratio of around 40%), the projected annual dividend per share is set at ¥210 (¥105 interim and ¥105 year-end).

*1 Figures as disclosed in the financial results summary dated November 10, 2025, and the investor meeting materials dated November 26, 2025 *2 Figures are on a banks total basis, and the average loan balance excludes loans to Government, etc. 1

Definitions of terms and figures used in this document

In cases where definitions are different from those listed below, details are stated on each page.

Note: About the figures of the Fukuoka Chuo Bank

• Business integration between the Company and the Fukuoka Chuo Bank took effect on October 1, 2023.

• Regarding the Fukuoka Chuo Bank, profit (loss) figures since the second half of FY2023 (six months) and balance figures since the business integration have been consolidated and combined after making necessary adjustments. Figures before the end of September 2023 do not include figures for the Fukuoka Chuo Bank.

  2

  Profit & Loss Summary

  Profit & Loss

  (Unit: bil.)

  Chg. from

  projected

  FY2025

  projected*

  Net interest income

  Domestic International

  Non-interest income (excluding bond-related income)

  Overhead expense

  262.3

  245.6

  16.7

  +36.8

  +34.9

  +1.9

  225.5

  210.6

  14.9

  33.3

  -0.3

  33.6

  (-)

  130.7

  +7.6

  123.1

  +5.4

  80.0

FFG consolidated

+12.6

FY2024

(Unit: ¥ bil.) YoY chg.

Core gross business profit (*)

Overhead expense

Core business profit

324.4

(-) 172.7

1 151.7

+45.1

+12.4

+32.6

279.3

160.3

119.1

o/w Gains (losses) on cancellation

of investment trusts

9.6

FY2025

-3.1

Credit cost

Gains (losses) on securities Gains (losses) on bonds Gains (losses) on stocks

Ordinary profit

Extraordinary income (loss)

Consolidated net income

(-) 2

3

4

18.2

-13.1

-91.2

78.1

120.6

-0.9

85.4

+12.1

-3.3

-72.3

+69.0

+17.0

-1.0

+13.3

6.1

-9.8

-18.9

9.1

103.6

0.1

72.1

⚫1

• Core gross business profit increased by ¥32.6 billion, driven by a robust increase in domestic net interest income, following the rise in interest rates, and the recording of revenue from external system sales related to Minna Bank.

  See P11

• Overhead expenses increased by ¥12.4 billion year-on-year, primarily due to base pay increases and growth investments related to DX.

  ⚫2

  
  
  

  Credit cost: ¥18.2 billion provision (YoY chg. +¥12.1 billion)

  See P5

• Increased by ¥12.1 billion, as provisions were recorded to prepare for concerns over the situation in the Middle East.

  3

  
  
  

  Gains (losses) on securities: -¥13.1 billion (YoY chg. -¥3.3 billion)

  See P5

• Gains (losses) on securities decreased by ¥3.3 billion year on year, as gains on the sale of strategic shareholdings were recorded, while portfolio rebalancing was implemented to aim to improve earnings in the following fiscal years (with no impact from rebalancing when combined with gains (losses) on cancellations of investment trusts).

  ⚫4

  
  
  

  Banks total
  (Unit: ¥ bil.)	FY2025	YoY chg.	FY2024
  Core gross business profit (*)	295.7 +36.6		259.1

  Consolidated net income: ¥85.4 billion (YoY chg. +¥13.3 billion, chg. from projected +¥5.4 billion)

  (Unit: bil.)

• Although credit cost increased, consolidated net income increased by ¥13.3 billion year on year, mainly due to an increase in core business profit.

(Unit: ¥ bil.)

FFG non-consolidated -19.4 -3.6 -15.9

Year-on-year change factors

Net income (banks total) 109.7 +15.8 93.9

[FFG non-consolidated: -¥3.6 billion]

- Overhead expenses increased, such as base pay and system-related costs

Profit & Loss

YoY chg. +¥32.6 billion

Consolidated net interest income +38.3

Consolidated non-interest income +6.8

Consolidated expenses

Other non-interest income

(subsidiaries, consolidation adjustment, etc.)

Corporate-related fees

Investment trusts & insurance

Other net interest income

(subsidiaries, consolidation adjustment, etc.)

International net interest income

Securities, other fund

transactions

Interest on deposits and loans

FY2021 FY2022 FY2023 FY2024 FY2025

FY2024 FY2025

-142.9

201.2

184.1

181.2

225.0

49.4

-12.4

50.0

-140.6

-150.2

-160.3

-172.7

263.2

61.2

-0.9

119.1

See P6

+11.1

151.7

+1.0

+1.5

+1.9

+34.9

+23.9

+6.7*

nterest incom

Domestic net

i e

54.4

Banks total

Net interest income +36.8

Core business profit (FFG consolidated)

[Non-interest income] Excluding gains (losses) on bonds

[Overhead expenses] Excluding non-recurring expenses

(Unit: ¥ bil.)

+¥32.6 billion

151.7

119.1

86.3

47.9

93.4

100.4

Profit & Loss

61.2

+¥13.3 billion

85.4

72.1

+32.6

YoY chg. +¥13.3 billion

-3.3

85.4

54.1

68.8

31.2

50.7

62.1

93.9

72.1

-12.1

(Consolidated basis)

Bonds -72.3

Other operating/extraordinary

profit (loss)

Credit cost

Gains (losses) on securities

Core business profit

Stocks +69.0

-1.2

-2.7

Tax expenses

-14.7

-19.5

-22.5

-21.8

-24.3

FY2021 FY2022 FY2023 FY2024 FY2025

FY2024

FY2025

5

Consolidated net income

(Unit: ¥ bil.)

Breakdown of year-on-year changes

(Unit: ¥ bil.)

Profit & Loss

[Non-interest income] Excluding gains (losses) on bonds [Overhead expenses] Excluding non-recurring expenses

+¥28.9 billion

164.9

33.3

136.0

YoY chg. +¥28.9 billion

Net interest income +36.8

Domestic net interest income

+34.9

+41.8

Domestic interest on deposits and loans*1 +11.1

97.5 105.9

118.0

30.2

33.6

136.0

+24.7

-0.9

+1.9

-0.3

-7.6

164.9

Overhead expenses

Securities

28.1

28.7

-30.7

184.8

186.4

202.7

262.3

225.5

1 2 3 4

-115.4

-109.3

-115.0

-123.1

FY2024 FY2025

Interest rate factors: +36.8, Volume factors: +5.0

Current account deposits at the Bank of Japan: +19.3 Loans to Government, etc.: +17.9

Short-term fund procurement, etc.: -38.1

1

2

Non-interest

income

International net interest income

Other fund transactions

Interest on deposits, etc.

Interest on loans and discounts

[Reference] Consolidated balance as of Mar. 31, 2026

Investment trusts: +0.6 (Sales commissions: -0.7, Trust fees, etc.: +1.3), Insurance: +0.3, Group credit life insurance premiums: -2.0 (decrease in dividends)

Personnel expenses: -4.5, Non-personnel expenses: -1.8,

-130.7

FY2021 FY2022 FY2023 FY2024 FY2025

Taxes: -1.3

6

*1 Excluding interest on loans to Government, etc.

*2 Call money, payables under securities lending transactions, payables under repurchase agreements

Core business profit (banks total)

(Unit: ¥ bil.)

Breakdown of year-on-year changes (banks total)

(Unit: ¥ bil.)

Profit & Loss

• Net interest income increased by ¥36.8 billion year-on-year. Domestically, the increase was ¥34.9 billion, mainly due to the increase in interest on deposits and loans and interest and dividends on securities reflecting higher interest rates. Internationally, the increase was ¥1.9 billion, driven mainly by a decrease in funding costs.

  Net interest income (banks total)

  (Unit: ¥ bil.)

  Domestic interest on deposits and loans (banks total)

  (Unit: ¥ bil.)

  204.9

FY2023

FY2024

FY2025

24.4

15.3

(Unit: ¥ bil.)

Domestic interest on securities (banks total)

4.9

6.0

15.0

15.4

6.9

18.1

FY2022

139.8

138.9

161.5

FY2021

150.4

139.2

140.1

146.6

163.1

-0.3

-0.3

-0.4

-12.8

-43.5

146.2

FY2022

FY2023

FY2024

FY2025

65.1

40.4

25.8

22.7

5.2

3.7

13.7

26.4

7.1

5.2

14.1

FY2021

Domestic deposits and loans: Excluding loans to Government, etc.

+¥36.8

billion

Interest on loans and discounts: Excluding loans to Government, etc.

+¥11.1 billion

Domestic

+34.9

262.3

225.5

International

+1.9

202.7

184.8

186.4

(Reference) Loans to Government, etc. under domestic fund transactions, etc.

FY2021 FY2022 FY2023 FY2024

FY2025

(+17.9)

65.1

16.7

19.0

15.2

5.0

25.8

138.9

14.0

9.9

22.7

139.8

10.8

19.4

26.4

146.2

14.9

19.8

40.4

150.4

Profit & Loss

• Yield on loans increased across all segments. Overall domestic yield is 1.32%, an increase of 24 bp year-on-year. This absorbed the increase in yield on deposits, etc. (+15 bp year-on-year), with the deposit loan gross margin at 1.12%, an increase of 9 bp year-on-year.

Yield on loans: Excluding loans to Government, etc.

1.79

Yield on loans: Excluding loans to Government, etc.

+24 bp

1.32

1.60

1.55

1.53

1.56

1.08

SMEs

1.03

1.02

1.02 1.00 0.99

1.11

1.02

1.00

0.99

Overall domestic

1.08

0.84

+9 bp

1.00

Overall domestic

(Including loans to Government, etc.)

0.86

0.84

0.82

0.92

0.56

0.54

+15 bp

0.42

0.41

0.41

0.20

0.00 0.00 0.00

0.05

FY2025

FY2021 FY2022 FY2023 FY2024 FY2025

0.31

FY2022

0.32

FY2021

Overall

domestic

1.32 +24 bp

1.19

1.35

Interest rates on domestic loans (banks total)

(Unit: %)

Domestic deposit loan gross margin (banks total)

(Unit: %)

0.39

FY2024

0.33

FY2023

Profit & Loss

• Consolidated non-interest income increased by ¥6.8 billion year-on-year, driven primarily by the recording of revenue from external system sales (related to Minna Bank).

• Investment trust-related income increased by ¥0.6 billion year on year, as an increase in trust fees driven by the buildup of balances more than offset a decline in sales commissions.

Non-interest income (FFG consolidated)

(Unit: ¥ bil.)

+¥6.8 billion

61.2

54.4

47.9

50.0

49.4

20.0

19.0

12.8

13.5

16.3

11.7

9.1

9.1

10.9

12.6

25.3

23.5

23.5

24.0

25.4

12.0

3.2

-7.9

-4.7

11.9

17.8 *

4.6

-7.8

-4.6

11.8

-0.1

-8.5

-4.9

11.3

0.1

-8.6

-5.5

2.6

-10.6

-5.7

FY2021

FY2022

FY2023

FY2024

FY2025

Loan guarantee fees

Group credit life insurance premiums

Foreign exchange, derivatives

Subsidiaries,

etc.

YoY chg.

+0.6

-0.7

+1.3

Referenc

* Recorded revenue from external system sales related to Minna Bank

* Wholly owned subsidiary of FFG, established on April 1, 2022 (figures in table represent M&A fees) 9

Profit & Loss

• Consolidated expenses increased by ¥12.4 billion, driven primarily by personnel expenses (such as an increase in base pay) and system-related costs (such as DX-related growth investments and large-scale systems).

• Consolidated core OHR improved by 4.1% year-on-year to 53.2% due to an increase in core gross business profit.

  Overhead expenses (-) (FFG consolidated)

  (Unit: ¥ bil., %)

  Breakdown of year-on-year changes

  (Unit: ¥ bil.)

  [Excluding non-recurring expenses]

  Figures in parentheses indicate a

  OHR (%) = Overhead expenses (excluding non-recurring expenses) ÷ Gross business profit Core OHR (%) = Overhead expenses (excluding non-recurring expenses) ÷ Core gross business profit
  OHR	61.5% 74.0%

  banks total basis.

  YoY chg. +¥12.4 billion

  
  
  

  64.6%

  72.6%

  65.6%

  4 banks + FFG non-consolidated

  +11.1

  Subsidiaries, etc.

  62.3% 60.1% 59.9%

  Core OHR

57.4% 53.2%

Non-personnel

+1.3

+1.3

31.3

9.5

47.2

52.7

27.5

10.1

50.4

55.0

142.9 140.6

35.2

10.2

50.6

54.2

150.2

-4.1%

+¥12.4 billion

172.7

12.4

56.4

42.0

37.2

11.1

54.6

57.4

160.3

Related to Minna Bank,

Other subsidiaries, etc.

Taxes

Other non-personnel

expenses

Large-scale systems

Growth investment

(DX-related)

Personnel expenses

Subsidiaries, etc.

+4.8

FY2021 FY2022 FY2023

61.9

FY2024 FY2025

Banks total

+7.6

+5.1

(+4.5)

expenses +4.7 (+1.8)

+1.0

(+1.3)

+1.3

172.7

+2.2

+1.4

160.3

1

2

FY2024 FY2025

Profit & Loss

• Consolidated credit cost amounted to ¥18.2 billion (＋¥12.1 billion year-on-year), reflecting the recording of provisions to prepare for concerns over the situation in the Middle East.

• At the banks total level, provisions due to new bankruptcies, collateral declines, and rating changes increased by ¥4.2 billion year-on-year.

  Credit cost (-) (FFG consolidated)

  (Unit: ¥ bil.)

  -14.2

  -6.0

  (o/w provisions related to the situation in the Middle East, etc.

  9.7)

  12.4

FY2025

New bankruptcies

6.1

5.8

FY2025

FY2022

FY2021

6.0

0.1

8.4

FY2024

5.8

+¥12.1 billion

18.2

FY2023

FY2024

0.6

1.3

Banks total

Subsidiaries, etc. -0.1

Fukugin Guarantee +0.1

Fukuoka Servicing +0.1

Minna Bank -0.4

YoY chg. +¥12.3 billion

1.1

2.1

2.6

3.1

1.6

12.4

15.2

24.2

Assets and Liabilities, etc.

• On a banks total basis, the balance at end of period was ¥16,493.5 billion, and the average balance was ¥16,155.7 billion.

• Balance at end of period increased by ¥536.8 billion from March 2025 (annual rate +3.4%), and average balance increased by ¥4,030 billion year-on-year (annual rate +2.6%).

  Balance at end of period (banks total)

  (Unit: ¥ bil.)

  Average balance (banks total)

  (Unit: ¥ bil.)

  Annual

  rate

Excluding loans to Government (public) and Bank of Fukuoka loans to FFG (large-sized enterprises) Excluding loans to Government (public) and Bank of Fukuoka loans to FFG (large-sized enterprises)

+0.7%

+2.9% +4.7%

+1.9%

+3.4%*1

+3.7%

+4.2%

+2.6% +2.6% *2

+1.5%

+¥536.8 billion

15,956.7 16,493.5

Excluding Fukuoka Chuo Bank [+1.3%]

+¥403.0 billion

16,155.7

14,534.6

15,664.4

670.3

1,603.0

2,060.9

7,204.4

4,125.6

14,960.5

712.1

1,507.1

2,364.7

International

612.4

1,536.8

2,204.6

+¥181.9

billion

7,364.5 7,546.4

14,515.5 14,732.3

15,357.6

15,752.7

Public

International

654.8

1,541.8

2,262.5

669.0

1,561.0

2,117.1

+¥167.4

billion

7,244.8 7,412.2

669.3

1,638.2

1,859.0

6,504.4

3,863.6

602.5

1,587.8

1,923.3

6,887.3

3,959.4

+¥124.6

billion

4,238.3 4,362.9

+¥123.6

784.3

1,688.9

1,866.8

6,391.3

3,783.9

689.6

1,637.6

1,888.0

6,612.2

3,904.6

653.4

1,597.1

1,988.6

7,089.0

4,029.3

billion

4,160.7 4,284.3

Mar. 2022 Mar. 2023 Mar. 2024

Mar. 2025 Mar. 2026

FY2021 FY2022 FY2023

FY2024 FY2025

• On a banks total basis, the balance at end of period was ¥21,932.9billion, and the average balance was ¥21,847.0 billion.

• Balance at end of period increased by ¥56.0 billion from March 2025 (annual rate +0.3%), and average balance increased by ¥77.2 billion

  (annual rate +0.4%) year-on-year.

  Balance at end of period (banks total)

  (Unit: ¥ bil.)

  Average balance (banks total)

  (Unit: ¥ bil.)

  +5.0%

  +2.2%

  +3.5%

  
  
  

  Annual

  rate

+0.6%

+0.3%*1

+1.9%

+0.4%*2

+6.4%

+3.6%

+3.1%

+¥56.0 billion

Excluding Fukuoka Chuo Bank [+0.7%]

283.3

+¥77.2 billion

20,562.4 21,008.5

287.4 221.7

21,741.8

317.5

341.9

21,876.9 21,932.9

350.7 254.0

322.4 323.6

19,999.0 20,724.6

21,363.5

307.6

674.3

21,769.8 21,847.0

280.0 296.8

610.7 638.5

444.2

1,219.2

5,284.3

470.3

1,341.3

5,322.4

1,532.3

5,296.1

1,608.9 1,464.1

+¥165.8

billion

5,264.4 5,430.2

275.4

664.8

856.7

5,085.3

618.7

1,056.9

5,180.3

999.2

5,356.5

1,069.3 954.6

+¥31.9

billion

5,453.0 5,484.9

13,327.2

13,652.5

14,253.8

+¥130.5

billion

14,330.2 14,460.7

13,116.6

13,585.2

14,025.7

+¥115.4

billion

14,356.6 14,472.0

Mar. 2022 Mar. 2023 Mar. 2024

Mar. 2025 Mar. 2026

FY2021 FY2022 FY2023

FY2024 FY2025

• Sales of investment trusts have somewhat slowed compared with the strong performance up to the previous fiscal year, while insurance sales increased steadily, mainly driven by yen-

  denominated products.

  +¥52.3 billion

  725.0

  672.7

  576.4

  458.3

  439.8

  FY2021

  FY2022

  FY2023

  FY2024

  FY2025

  58.2

  8.6

  129.0

  243.8

  73.3

  5.2

  71.4

  308.2

  52.7

  9.6

  162.3

  351.6

  56.1

  21.1

  162.1

  433.2

  64.7

  37.5

  181.1

  441.7

  Investment trusts

• The balance of assets under management for individual customers continued to grow steadily, up ¥572.6 billion from March 2025.

  Asset management product sales (Group total)

  (Unit: ¥ bil.)

  Balance of assets under management for individual customers

  (Group total)

  (Unit: ¥ bil.)

  +¥572.6 billion

  3,526.2

  2,792.4

  2,953.6

  2,301.2

  2,362.0

  Mar. 2022

  Mar. 2023

  Mar. 2024

  Mar. 2025

  Mar. 2026

  Foreign currency deposits & government bonds

  FFG Securities*2

  366.8

  67.6

  1,215.3

  651.3

  369.8

  55.0

  1,202.4

  734.6

  431.4

  48.9

  1,327.6

  984.3

  430.7

  55.1

  1,352.0

  1,115.7

  536.9

  82.8

  1,491.2

  1,415.1

  Investment trusts

• Unrealized gains (losses) (after considering hedges) were positive at ¥102.7 billion, primarily due to a rebalancing of the securities portfolio and an increase in unrealized gains on investment trusts and stocks, driven by factors such as rising stock prices.

  Balance at end of period (FFG consolidated)

  (Unit: ¥ bil.)

  4,888.5

  258.8

  147.4

  388.1

  5,241.2

  214.8

  151.8

  375.9

  5,440.7

  222.5

  147.2

  355.2

  253.8

  197.3

  403.3

  5,323.0

  1,920.9

  o/w foreign bonds 1,265.7

  o/w investment trusts 499.1

  1,950.1

  o/w foreign bonds 1,271.0 o/w investment trusts 523.5

  2,055.7

  o/w foreign bonds 1,341.3 o/w investment trusts 550.3

  2,222.7

  o/w foreign bonds 1,417.9 o/w investment trusts 614.5

  o/w

  o/w in

  544.0

  637.5

  2,548.4

  2,660.0

  2,660.6

  2,173.1

  1,935.1

  2,384.9

  foreign bonds 1, vestment trusts

  260.8

  316.7

  425.3

  Domestic bonds

5,737.9

Bond duration, 10 BPV (banks total)*

(Unit: Years, ¥ bil.)

3.37 3.11

2.16

2.11

2.16

2.14

1.83

1.96

1.66

1.82

Mar. 2024 Sep. 2024 Mar. 2025 Sep. 2025 Mar. 2026

Mar. 2024 Sep. 2024 Mar. 2025 Sep. 2025 Mar. 2026

• • 10 BPV (when interest rates are rising)

    Rebalancing of the securities portfolio

    Assets and Liabilities, etc.

• FFG implemented a rebalancing of the securities portfolio by utilizing diversified investment unrealized gains, in addition to gains on the sale of strategic shareholdings, with a view to improving future profit and ROE.

Changes in the securities portfolio (banks total) ≪FY2025/3Q→FY2025/4Q≫

Dec. 31, 2025 FY2025 4Q (Jan.- Mar.) Mar. 31, 2026

(Unit: ¥ bil.)

1⚫ Losses on hedged long-term and super-long-term

Balance Unrealized

Domestic bonds

gains (losses)

Sales

balance

Gains (losses)

on sales

Puchase

balance

Balance Unrealized

gains (losses)

bonds were fully offset by the sale of strategic shareholdings and gains from diversified

3,486.1 -147.1

-1,033.6 -81.7

430.3

2,869.6 -83.5

investments

Hedged long-term and super-long-term bonds

690.2 -69.7 -690.1 -68.7

0.0

2 0.0 0.0

2⚫ Hedged long-term and super-long-term bonds were fully exited, reducing the balance to zero

Other effectively floating-rate bonds

Fixed-rate bonds

971.2 -5.3 0.0 0.0

1

1,824.7 -72.1 -343.5 -12.9

Stocks

Investment trusts

99.1

180.2

778.7

79.4

-4.5 31.4

-72.2 39.5

314.7 1,296.2 -7.1

3

115.6 1,573.4 -76.4

26.1

797.3

166.2

94.6

0.0

93.0

A portion of proceeds from bond sales was allocated to floating-rate and fixed-rate bond investments (fixed-rate bonds are being approached cautiously)

3⚫

4⚫

As a result, overall yields on domestic bonds improved

*Balances are based on acquisition cost; unrealized gains (losses) and gains (losses) on sales are after considering hedges.

Yields after considering hedges

Composition ratio of low-yield (0.5% or less) bonds

Maturities are before considering hedges, and balances are based on acquisition cost

Balance as of December 31, 2025

Balance as of March 31, 2026

o/w hedged bonds

1,500.0

1,000.0

500.0

Dec. 2025 Mar. 2026

0.0

ASW*

0-2 years 2-4 years 4-7 years 7-11 years 11+ years

Assets and Liabilities, etc.

• Since FY2025, a basic policy of "reducing the balance of strategic shareholdings related to listed shares" has been clarified.

• Ratio to consolidated net assets as of March 31, 2026 stood at 16.2% (down 0.3 percentage points year-on-year), as steady sales were executed despite soaring stock prices.

  Reduction target

Reduce the balance of strategic shareholdings (market value) to less than 15% of

consolidated net assets by the end of March 2028

[Strategic shareholdings] *

20.6%

Market value

時価

取得原価（ 簿価）

(Reference)

• Status of equity holdings reclassified from policy

investments to pure investments

Acquisition cost (book value)

連結純資産比率（ 時価ベース）

Ratio to consolidated net assets (market value basis)

174.4

(¥ bil.)

17.0%

Sales, etc.

Stock price

change

16.2%

Less than

15%

159.8 159.7 153.6

Number of shares (327)

-24.5 ＋45.4

(

(313) (286)

277)

63.5

2019/3末

Mar. 2019

Mar. 2022

Mar. 2025 Mar. 2026 Mar. 2028

2022/3末

2025/3末

2026/3末

2028/3末

17

* Scope: Bank of Fukuoka (based on Securities Report disclosures).

Ratio to consolidated net assets = Total market value of strategic shareholdings (listed and unlisted equities, and equities deemed to be held as stated in the Securities Report) ÷ Consolidated net assets

Assets and Liabilities, etc.

848.1

51.5

118.7

48.5

50.4

39.8

39.3

138.3

144.4

152.6

153.8

160.7

881.9

116.7

108.6

111.0

114.1

(Including loans to Government, etc.)

1.2%

(Unit: ¥ bil.)

Equity, capital adequacy ratio (FFG

consolidated)

-0.07%

2.15% 2.02% 1.97% 1.92% 1.85%

Reserve ratio = Reserve for possible loan losses ÷ Balance of total

credit (FRL basis)

AIRB: Advanced internal rating-based approach

12.37%

11.42%

1.4%

1.2%

1.3%

1.86% 1.71%

1.67% 1.62% 1.51%

-¥1.1 billion

10.67%

1.1%

1.0%

11.57% 11.58%

1.2%

1.1%

314.1 304.7 311.6 309.6 308.5

Mar. 2022 Mar. 2023 Mar. 2024 Mar. 2025 Mar. 2026

Mar. 2022 Mar. 2023 Mar. 2024 Mar. 2025 Mar. 2026

Mar. 2022 Mar. 2023 Mar. 2024 Mar. 2025 Mar. 2026

18

Minna Bank

• Number of accounts continues to exceeded 1.6 million. Deposits increased by ¥13.5 billion from March 2025 to ¥46.6 billion.

  Profit & loss summary (related to Minna Bank*)

  (Unit: ¥ bil.)

• Loans and cover increased by ¥10.5 billion from March 2025 to ¥35.7 billion. Disclosed NPL ratio decreased by 1.41% from March 2025 to 3.92%.

Balance of deposits (excluding special deposits)

(Unit: ¥ bil.)

FY2025 results

FY2025

FY2024

YoY chg.

Interest on loans and

discounts

Non-interest income (excl. gains (losses) on bonds)

3.5

+1.2

2.3

* 4.8

+5.1

-0.3

4,630

Mar. 2024 Sep. 2024 Mar. 2025 Sep. 2025 Mar. 2026

+¥13.5 billion

32.3

15.6

25.5

5.0

13.7

23.7

31.0

18.6

4,150

33.1

9.4

46.6

42.8

5.5

3,310

3,750

1,120

960

1,380

1,250

1,610

NPLs Disclosed under the FRL

(Unit: ¥ bil., %)

Number of downloads and accounts

(Unit: Thousand)

Mar. 2024 Sep. 2024 Mar. 2025 Sep. 2025 Mar. 2026

* Including revenue from external system sales

FY2026 earnings

projection

Net income

-5.1

-8.4

(Reference)

14.0

21.2

25.2

+¥10.5 billion

2.2

2.3

2.3

2.3

2.3

Cover

35.7

28

29.7

-1.41%

6.06

5.25

5.33

4.65

3.92

28

1.12

0.21

0.86

1.35 1.39 1.41

Mar. 2024 Sep. 2024 Mar. 2025 Sep. 2025 Mar. 2026

(*) Total of Minna Bank and Zerobank Design Factory (after eliminating internal transactions between the two).

Mar. 2024 Sep. 2024 Mar. 2025 Sep. 2025 Mar. 2026

19