Interim report
Page 1
Note : This document has been translated from the Japanese original for reference purposes only . In the event of any discrepancy between this translated document and the Japanese original , the original shall prevail . Consolidated Financial Results for the Three Months Ended June 30 , 2026 ( Under Japanese GAAP ) Company name : Kyushu Financial Group , Inc. August 7 , 2026 Listing : Tokyo Stock Exchange , Fukuoka Stock Exchange Securities code : 7180 URL : http://www.kyushu-fg.co.jp/ Representative : Yoshihisa Kasahara Inquiries : Yasuhiro Hamada Telephone : + 81-96-326-5588 Scheduled date to commence dividend payments : - Trading accounts : Yes President and Representative Director Senior Executive Officer , General Manager of Corporate Planning Division Preparation of supplementary material on financial results : Yes Holding of financial results briefing : None FASF ( Yen amounts are rounded down to millions , unless otherwise noted . ) 1. Consolidated financial results for the three months ended June 30 , 2026 ( from April 1 , 2026 to June 30 , 2026 ) ( 1 ) Consolidated operating results ( cumulative ) ( Percentages indicate year - on - year changes . ) Profit attributable to Three months ended June 30 , 2026 June 30 , 2025 Note : Comprehensive income Three months ended June 30 , 2026 June 30 , 2025 ( 2 ) Consolidated financial position As of June 30 , 2026 March 31 , 2026 Reference : Equity Ordinary income Ordinary profit owners of parent Millions of yen 85,187 % Millions of yen % Millions of yen % 32.8 18,216 64,132 11.6 19,123 ( 4.7 ) 42.5 12,537 ( 6.7 ) 13,448 44.7 For the three months ended June 30 , 2026 : For the three months ended June 30 , 2025 : ¥ 33,106 million [ ¥ 17,814 million 85.8 % ] - % ] Basic earnings per share Yen 29.60 31.08 Diluted earnings per share Yen Total assets Net assets Equity - to - asset ratio Millions of yen 13,753,773 13,525,584 Millions of yen 786,709 % 5.7 761,255 5.6 As of June 30 , 2026 : ¥ 786,427 million As of March 31 , 2026 : ¥ 760,964 million −1–
Page 2
―2― 2. Cash dividends Annual dividends per share First quarter-end Second quarter-end Third quarter-end Fiscal year-end Total Yen Yen Yen Yen Yen Fiscal year ended - 13.00 - 16.00 29.00 March 31, 2026 Fiscal year ending - March 31, 2027 Fiscal year ending March 31, 2027 (Forecast) 19.00 - 19.00 38.00 Note: Revisions to the forecast of cash dividends most recently announced: None 3. Consolidated financial result forecasts for the fiscal year ending March 31, 2027 (from April 1, 2026 to March 31, 2027) (Percentages indicate year-on-year changes.) Ordinary profit Profit attributable to owners of parent Basic earnings per share Millions of yen % Millions of yen % Yen Six months ending September 30, 2026 31,000 3.4 21,500 3.2 49.95 Full year 65,000 20.8 45,000 19.4 104.56 Note: Revisions to the financial result forecast most recently announced: None * Notes (1) Significant changes in the scope of consolidation during the period: None (2) Adoption of accounting treatment specific to the preparation of quarterly consolidated financial statements: Yes (3) Changes in accounting policies, changes in accounting estimates, and restatement (i) Changes in accounting policies due to revisions to accounting standards and other regulations: None (ii) Changes in accounting policies due to other reasons: None (iii) Changes in accounting estimates: None (iv) Restatement: None (4) Number of issued shares (common shares) (i) Total number of issued shares at the end of the period (including treasury shares) As of June 30, 2026 463,375,978 shares As of March 31, 2026 463,375,978 shares (ii) Number of treasury shares at the end of the period As of June 30, 2026 40,416,310 shares As of March 31, 2026 39,818,444 shares (iii) Average number of shares outstanding during the period (cumulative from the beginning of the fiscal year) Three months ended June 30, 2026 423,471,756 shares Three months ended June 30, 2025 432,645,696 shares * Review of the Japanese-language originals of the attached consolidated quarterly financial statements by certified public accountants or an audit firm: None * Proper use of earnings forecasts, and other special matters The performance forecasts and other forward-looking statements contained in this document are based on information currently available to the Group and certain assumptions that the Group believes to be reasonable, but are not intended to guarantee that they will be achieved. Actual performance may differ significantly due to a variety of factors.
Page 3
―3― Quarterly Consolidated Financial Statements and Primary Notes Quarterly Consolidated Balance Sheet (Millions of yen) As of March 31, 2026 As of June 30, 2026 Assets Cash and due from banks 1,554,567 1,450,006 Call loans and bills bought 66,000 174,000 Monetary claims bought 9,922 10,782 Trading account assets 11 22 Money held in trust 29,636 30,732 Securities 2,143,507 2,171,908 Loans and bills discounted 9,244,296 9,447,525 Foreign exchanges 21,736 16,414 Lease receivables and investments in leases 75,147 76,519 Other assets 244,270 243,311 Tangible fixed assets 111,860 111,549 Intangible fixed assets 21,068 21,968 Retirement benefit asset 37,353 37,849 Deferred tax assets 1,106 1,106 Customers' liabilities for acceptances and guarantees 37,212 35,151 Allowance for loan losses (72,112) (75,075) Total assets 13,525,584 13,753,773 Liabilities Deposits 10,570,854 10,621,391 Negotiable certificates of deposit 240,171 360,564 Securities sold under repurchase agreements 178,847 228,945 Cash collateral received for securities lent 263,523 337,253 Borrowed money 1,187,753 1,087,735 Foreign exchanges 413 275 Borrowed money from trust account 35,771 36,645 Other liabilities 231,264 231,497 Retirement benefit liability 2,268 2,301 Provision for share awards for directors (and other officers) 371 431 Provision for reimbursement of deposits 567 497 Provision for contingent loss 809 796 Reserves under special laws 0 0 Deferred tax liabilities 10,657 19,732 Deferred tax liabilities for land revaluation 3,843 3,843 Acceptances and guarantees 37,212 35,151 Total liabilities 12,764,328 12,967,064
Page 4
―4― (Millions of yen) As of March 31, 2026 As of June 30, 2026 Net assets Share capital 36,000 36,000 Capital surplus 200,791 200,791 Retained earnings 488,277 494,027 Treasury shares (23,759) (24,625) Total shareholders' equity 701,309 706,194 Valuation difference on available-for-sale securities (47,963) (27,348) Deferred gains or losses on hedges 90,866 91,228 Revaluation reserve for land 6,042 6,042 Remeasurements of defined benefit plans 10,709 10,310 Total accumulated other comprehensive income 59,655 80,233 Non-controlling interests 290 282 Total net assets 761,255 786,709 Total liabilities and net assets 13,525,584 13,753,773
Page 5
―5― Quarterly Consolidated Statements of Income and Comprehensive Income Quarterly Consolidated Statement of Income For the Three-Month Period (Millions of yen) For the three months ended June 30, 2025 For the three months ended June 30, 2026 Ordinary income 64,132 85,187 Interest income 37,658 45,680 Interest on loans and discounts 24,504 30,705 Interest and dividends on securities 9,713 11,650 Trust fees 60 45 Fees and commissions 7,274 7,810 Gain on trading account transactions 38 38 Other ordinary income 11,333 25,617 Other income 7,766 5,994 Ordinary expenses 45,008 66,970 Interest expenses 9,571 12,947 Interest on deposits 4,458 7,588 Fees and commissions payments 2,319 2,536 Other ordinary expenses 10,385 24,778 General and administrative expenses 20,952 22,641 Other expenses 1,779 4,065 Ordinary profit 19,123 18,216 Extraordinary income 1 4 Gain on disposal of non-current assets 1 4 Other 0 0 Extraordinary losses 29 43 Loss on disposal of non-current assets 29 43 Profit before income taxes 19,095 18,177 Income taxes - current 4,729 6,039 Income taxes - deferred 918 (390) Total income taxes 5,648 5,648 Profit 13,446 12,528 Loss attributable to non-controlling interests (1) (8) Profit attributable to owners of parent 13,448 12,537
Page 6
―6― Quarterly Consolidated Statement of Comprehensive Income For the Three-Month Period (Millions of yen) For the three months ended June 30, 2025 For the three months ended June 30, 2026 Profit 13,446 12,528 Other comprehensive income 4,367 20,577 Valuation difference on available-for-sale securities 2,342 20,614 Deferred gains or losses on hedges 2,236 362 Remeasurements of defined benefit plans, net of tax (210) (399) Comprehensive income 17,814 33,106 Comprehensive income attributable to Comprehensive income attributable to owners of parent 17,816 33,115 Comprehensive income attributable to non-controlling interests (1) (8)