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Create diverse forms of abundance with our communities through advanced ideas FFG Fukuoka Financial Group Financial Highlights First Quarter of FY2026 August 7 , 2026
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1 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group Executive Summary Consolidated core business profit was ¥39.5 billion (+¥5.8 billion year-on-year). This represents steady progress of 26.0% against the annual projection of ¥152.0 billion. ≫ Core gross business profit increased by ¥8.4 billion year on year, driven by an increase in domestic net interest income and solid investment trust fee income. ≫ Overhead expenses increased by ¥2.6 billion year on year due to higher base salaries and system-related costs. However, expenses are being appropriately controlled by carefully assessing the return on investment for each project. Consolidated net income was ¥28.7 billion (+¥5.9 billion year-on-year). This represents strong progress of 28.7% against the annual projection of ¥100.0 billion. ≫ Gains (losses) on securities declined by ¥1.5 billion year on year, reflecting losses on the sale of fixed-rate bonds and gains on the sale of strategic shareholdings. ≫ Credit cost recorded recoveries of ¥0.8 billion, mainly due to credit rating upgrades of large borrowers and recoveries, improving by ¥3.4 billion year on year. Average loan and deposit balances maintained an upward trend, while unrealized gains (losses) on securities (after considering hedges) increased by ¥57.1 billion year on year. ≫ The Average loan balance* increased by ¥546.2 billion year-on-year (+3.4% annualized), and the average balance of deposits*, etc. increased by ¥324.2 billion (+1.5% annualized). Both loans and deposits are maintaining an upward trend. ≫ Unrealized gains (losses) on securities (after considering hedges) improved to +¥159.9 billion, primarily due to an increase in unrealized gains from investment trusts and stocks following the rise in stock prices. Financial Results for First Quarter of FY2026 [Consolidated Results] *Figures are on a banks total basis, and the average loan balance excludes loans to Government, etc.
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2 Financial Highlights for the First Quarter of FY2026 Contents Fukuoka Financial Group 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. FFG consolidated Consolidated financial results of Fukuoka Financial Group Banks total Simple sum of the non-consolidated figures of the Bank of Fukuoka, the Kumamoto Bank, the Juhachi-Shinwa Bank and the Fukuoka Chuo Bank (Note) Group total Banks total + FFG Securities Related to Minna Bank Total of Minna Bank and Zerobank Design Factory (ZDF) Net income Net income for the period (interim, quarter) for non-consolidated and banks combined Consolidated net income Net income for the period (interim, quarter) attributable to owners of the parent Loans to Government, etc. Total of loans to Government and Bank of Fukuoka loans to FFG 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. Profit & Loss ... P3–11 — Profit & Loss Summary ... P3 — Top Line (Consolidated Core Business Profit) ... P4 — Bottom Line (Consolidated Net Income) ... P5 — Core Business Profit (banks total) ... P6 — Net Interest Income (banks total) ... P7 — Interest Rates on Domestic Loans ... P8 — Consolidated Non-interest Income (excluding gains (losses) on bonds) ... P9 — Consolidated Expenses ... P10 — Consolidated Credit Cost ... P11 Assets and Liabilities, etc. ... P12–17 — Loans ... P12 — Deposits, etc. (including CDs) ... P13 — Asset Management Products ... P14 — Securities ... P15 — Strategic Shareholdings ... P16 — NPLs Disclosed under the FRL, Reserve for Possible Loan Losses ... P17 Minna Bank ... P18
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3 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group FFG consolidated (Unit: ￥bil.) YoY chg. Progress Core gross business profit (*) 84.6 +8.4 76.2 Overhead expenses (-) 45.1 +2.6 42.5 Core business profit 39.5 +5.8 33.7 152.0 26.0% 0.5 +0.5 -0.1 Credit cost (-) -0.8 -3.4 2.6 17.4 - Gains (losses) on securities -0.1 -1.5 1.4 8.0 - Gains (losses) on bonds -3.1 -2.8 -0.4 Gains (losses) on stocks 3.0 +1.2 1.8 Ordinary profit 41.5 +8.9 32.6 149.5 27.8% Extraordinary income (loss) 0.1 +0.1 -0 Consolidated net income 28.7 +5.9 22.8 100.0 28.7% Banks total (Unit: ￥ bil.) YoY chg. Progress Core gross business profit (*) 78.6 +13.0 65.6 Net interest income 69.5 +10.9 58.6 64.7 +10.0 54.6 4.8 +0.9 4.0 9.1 +2.1 7.0 Overhead expenses (-) 34.2 +1.5 32.7 Core business profit 44.4 +11.6 32.8 172.0 25.8% Ordinary profit 48.2 +15.3 32.9 174.8 27.6% Net income 35.0 +10.6 24.4 125.6 27.9% Credit cost (-) -2.4 -3.7 1.3 11.0 - Non-interest income (excluding bond-related income) Domestic International 2025/1Q 2025/1Q2026/1Q 2026/1Q FY2026 projected* FY2026 projected* Of which: Gains (losses) on investment trust redemptions ⚫ Core business profit: ¥39.5billion (YoY chg. +¥5.8 billion) 【Progress against annual projection of ￥152.0 billion is 26.0%: Steady progress】 — Core gross business profit increased by ¥8.4 billion year on year, driven by an increase in net interest income (domestic), among other factors. — Overhead expenses increased by ¥2.6 billion year on year, mainly due to higher base salaries and increased system-related costs. ⚫ Credit cost: ¥0.8 billion recovery (YoY chg. -¥3.4 billion) — Credit cost decreased by ¥3.4 billion year on year, mainly due to credit rating upgrades of large borrowers and recoveries. ⚫ Gains (losses) on securities: -¥0.1 billion (YoY chg. -¥1.5 billion) — Gains (losses) on securities decreased by ¥1.5 billion year on year, reflecting losses on the sale of fixed-rate bonds and gains on the sale of strategic shareholdings. ⚫ Consolidated net income: ¥28.7 billion (YoY chg. +¥5.9 billion) 【Progress against annual projection of ￥100.0 billion is 28.7%: Strong progress】 Profit & Loss Summary Profit & Loss 1 (*) Core gross business profit = Gross business profit - Gains (losses) on bonds 2 4 (Unit: ¥ bil.) 2026/1Q YoY chg. 2025/1Q Net income (banks total) 35.0 +10.6 24.4 FFG non-consolidated -5.3 -0.9 -4.4 Related to Minna Bank -1.7 -3.8 2.0 Subsidiary income 1.2 +0.1 1.1 Other consolidation adjustments -0.4 -0.1 -0.3 Consolidated net income 28.7 +5.9 22.8 (2) Consolidation difference in bottom line (1) Financial highlights (FFG consolidated) [FFG non-consolidated: -¥0.9 billion] – An increase in overhead expenses due to base salary increases and system-related costs, etc. [Related to Minna Bank: -¥3.8 billion] – The absence of revenue from external system sales recorded in the previous [Other consolidation adjustments: -¥0.1 billion] – Difference between consolidated and non- consolidated results for derivatives transactions and other factors 4 1 2 3 See P4, 6 See P11 See P5 Year-on-year change factors 3 4 *Figures as disclosed in the financial results summary dated May 13, 2026, and the investor meeting materials May 21, 2026. See P5
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4 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group Domestic net interest income +10.0 0 201.2 225.0 263.2 58.5 69.9 49.4 54.4 61.2 17.7 14.7 -150.2 -160.3 -172.7 -42.5 -45.1 100.4 119.1 151.7 33.7 39.5 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Top Line (Consolidated Core Business Profit) Breakdown of year-on-year changes (FFG consolidated)Core business profit (FFG consolidated) (Unit: ¥ bil.) (Unit: ¥ bil.) [Non-interest income] Excluding gains (losses) on bonds [Overhead expenses] Excluding non- recurring expenses Total Non-interest income Net interest income +¥5.8 billion Overhead expenses Profit & Loss Interest on deposits and loans Securities, other fund transactions International net interest income Other net interest income (subsidiaries, consolidation adjustment, etc.) Other non-interest income (subsidiaries, consolidation adjustment, etc.) Investment trusts & insurance Consolidated expenses YoY chg. +¥5.8 billion 2025/1Q 2026/1Q Banks total Net interest income +10.9 Corporate-related fees Consolidated net interest income +11.4 Consolidated non- interest income -3.0 +4.6 +5.4 +0.9 +0.5 -2.6 +1.6 -4.8 +0.2 See P6 33.7 39.5
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5 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 22.8 28.7 Bonds ▲2.8 Stocks +1.2 Bottom Line (Consolidated Net Income) Core business profit Gains (losses) on securities Credit cost Other operating/extraordinary profit (loss) 2025/1Q 62.1 93.9 109.7 24.4 35.0 -22.5 -21.8 -24.3 -1.6 -6.3 21.5 61.2 72.1 85.4 22.8 28.7 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Gain on bargain purchase (Fukuoka Chuo Bank business integration) Banks total Subsidiaries, etc. +¥5.9 billion Profit & Loss YoY chg. +¥5.9 billion 2026/1Q +1.4 Tax expenses (Consolidated basis) Breakdown of year-on-year changes Consolidated net income (Unit: ¥ bil.) (Unit: ¥ bil.) Total +5.8 -1.5 +3.4 -3.2
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6 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 32.8 44.4 Core Business Profit (banks total) [Non-interest income] Excluding gains (losses) on bonds [Overhead expenses] Excluding non-recurring expenses 202.7 225.5 262.3 58.6 69.5 30.2 33.6 33.3 7.0 9.1 -115.0 -123.1 -130.7 -32.7 -34.2 118.0 136.0 164.9 32.8 44.4 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Interest on loans and discounts Interest on deposits, etc. Securities Other fund transactions Non-interest income International net interest income Overhead expenses +3.8 -6.4 +1.6 +0.9 YoY chg. +¥11.6 billion 2025/1Q 2026/1Q Total Non-interest income Net interest income +¥11.6 billion Overhead expenses 1 Interest rate factors: +9.5, Volume factors: +1.6 2 Current account deposits at the Bank of Japan: +4.7 Loans to Government, etc.: +4.7 Short-term fund procurement, etc.: -7.7 3 Investment trusts: +1.4 (Sales commissions: +0.8, Trust fees, etc.: +0.7), Insurance: +0.1 Corporate-related fees +0.2 4 Personnel expenses: -0.3, Non-personnel expenses: -0.6, Taxes: -0.5 -1.5 Profit & Loss Breakdown of year-on-year changes (banks total) Core business profit (banks total) (Unit: ¥ bil.) (Unit: ¥ bil.) +2.1 1 2 3 4 *1 Excluding interest on loans to Government, etc. *2 Call money, payables under securities lending transactions, payables under repurchase agreements Domestic interest on deposits and loans*1 +4.6 Domestic net interest income +10.0 Net interest income +10.9 （¥ trillion） Balance Current account deposits at the Bank of Japan 6.1 Loans to Government, etc. 3.6 Market procurement*2 6.0 Bank of Japan market operation 2.9 [Reference] Consolidated balance as of Jun. 30, 2026 +11.0
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7 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group Net Interest Income (banks total) Domestic interest on deposits and loans (banks total) Net interest income (banks total) (Unit: ¥ bil.) (Unit: ¥ bil.) ⚫ Net interest income increased by ¥10.9 billion year on year. Domestically, it increased by ¥10.0 billion, mainly driven by higher interest on deposits and loans and interest and dividends on securities following interest rate rises. Internationally, it increased by ¥0.9 billion, mainly supported by lower funding costs. Domestic deposits and loans: Excluding loans to Government, etc. Interest on loans and discounts: Excluding loans to Government, etc. 146.2 150.4 161.5 38.6 43.3 26.4 40.4 65.1 11.2 15.0 19.4 19.8 19.0 4.8 6.4 10.8 14.9 16.7 4.0 4.8 202.7 225.5 262.3 58.6 69.5 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Domestic fund transactions, etc. International division Total Domestic securities Domestic deposits and loans Domestic +10.0 146.6 163.1 204.9 47.8 58.9 -0.4 -12.8 ▲ 43.5 -9.2 -15.6 146.2 150.4 161.5 38.6 43.3 FY2023 FY2024 FY2025 2025/1Q 2026/1Q +¥4.6 billion Interest on deposits and loans Interest on loans and discounts Interest on deposits, etc. Profit & Loss International +0.9 +¥10.9 billion 0.5 6.7 24.6 4.5 9.3 (Reference) Loans to Government, etc. under domestic fund transactions, etc. (+4.7) Domestic interest on securities (banks total) (Unit: ¥ bil.) 14.1 18.1 25.5 5.8 8.2 5.2 6.9 24.4 1.8 2.9 7.1 15.4 15.3 3.6 3.8 26.4 40.4 65.1 11.2 15.0 FY2023 FY2024 FY2025 2025/1Q 2026/1Q +¥3.8 billionTotal Bonds, etc. Investment trusts Others
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8 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group Interest Rates on Domestic Loans Domestic deposit loan gross margin (banks total) Interest rates on domestic loans (banks total) (Unit: %) (Unit: %) ⚫ Yield on loans increased across all segments. Overall domestic yield rose to 1.50%, up 25 bp year on year. This absorbed the increase in yield on deposits, etc. (+11 bp year on year), with the deposit-loan gross margin rising to 1.22%, up 14 bp year on year. 0.99 1.08 1.32 1.25 1.50 0.82 0.92 1.19 1.12 1.39 0.41 0.56 0.84 0.78 1.10 1.00 1.11 1.35 1.31 1.551.53 1.56 1.79 1.66 1.87 0.33 0.39 0.54 0.48 0.75 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Yield on loans: Excluding loans to Government, etc. Deposit loan gross margin Yield on loans Yield on deposits, etc. Yield on loans: Excluding loans to Government, etc. Overall domestic +25 bp Profit & Loss 0.99 1.08 1.32 1.25 1.50 0.00 0.05 0.20 0.17 0.28 0.99 1.03 1.12 1.08 1.22 FY2023 FY2024 FY2025 2025/1Q 2026/1Q +25 bp +14 bp +11 bp SMEs Overall domestic Retail Large-sized enterprises Public Overall domestic (Including loans to Government, etc.)
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9 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group -0.1 0.1 2.6 0.2 1.0 11.8 11.3 17.8 8.2 3.0 24.0 25.4 25.3 6.0 5.8 10.9 12.6 11.7 2.3 2.5 16.3 19.0 20.0 4.3 5.8 -8.5 -8.6 -10.6 -1.9 -1.9 -4.9 -5.5 -5.7 -1.4 -1.5 49.4 54.4 61.2 17.7 14.7 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Consolidated Non-interest Income (excluding gains (losses) on bonds) Breakdown of corporate-related fees (banks total) Non-interest income (FFG consolidated) (Unit: ¥ bil.) (Unit: ¥ bil.) Breakdown of investment trusts & insurance fees (banks total) (Unit: ¥ bil.) ⚫ Consolidated non-interest income decreased by ¥3.0 billion year on year, mainly due to the absence of revenue from external system sales related to Minna Bank recorded in the previous year. Investment trust-related income increased by ¥1.4 billion year on year, with both sales commissions and trust fees rising. Other services Investment trusts & insurance Corporate- related fees Group credit life insurance premiums Loan guarantee fees Foreign exchange, derivatives Subsidiaries, etc. Total -¥3.0 billion FY2023 FY2024 FY2025 2025/1Q 2026/1Q Total 10.9 12.6 11.7 2.3 2.5 Syndicated loans, structured finance 6.3 6.9 6.3 1.1 1.2 Consulting, business matching 0.5 1.0 0.9 0.1 0.1 M&A 0.6 1.0 0.3 0 0 Other (Corporate settlement fees, etc.) 3.5 3.8 4.1 1.1 1.1 FFG Succession Co., Ltd.* (M&A advisory services) 0.3 0.5 1.2 0.2 0 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Total 16.3 19.0 20.0 4.3 5.8 Sales commissions on investment trusts 5.7 6.9 6.2 1.1 1.9 Investment trust fees 5.1 6.8 8.1 1.7 2.4 Insurance fees 5.4 5.4 5.7 1.4 1.6 * Recorded revenue from external system sales related to Minna Bank +0.8 +0.7 YoY chg. Profit & Loss Reference * Wholly owned subsidiary of FFG, established on April 1, 2022 (figures in table represent M&A fees) YoY chg. +0.2 +1.4 * *
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10 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 42.5 45.1-0 Consolidated Expenses Overhead expenses (-) (FFG consolidated) (Unit: ¥ bil., %) ⚫ Consolidated overhead expenses increased by ¥2.6 billion year on year, mainly due to higher personnel expenses, including base salary increases, and system-related costs, including large-scale system projects and growth investments in DX.The consolidated core OHR improved by -2.5% year on year to 53.3%, driven by an increase in core gross business profit. [Excluding non-recurring expenses] 54.2 57.4 61.9 15.7 16.0 50.6 54.6 56.4 14.2 14.9 10.2 11.1 12.4 2.9 3.4 35.2 37.2 42.0 9.8 10.9 150.2 160.3 172.7 42.5 45.1 59.9% 57.4% 53.2% 55.8% 53.3% 65.6% 61.5% 74.0% 56.1% 55.4% FY2023 FY2024 FY2025 2025/1Q 2026/1Q Total Subsidiaries, etc. Core OHR OHR Profit & Loss +¥2.6 billion Breakdown of year-on-year changes (Unit: ¥ bil.) 2025/1Q 2026/1Q 4 banks + FFG non-consolidated +2.3 Subsidi- aries, etc. +0.3 Growth investment (DX-related) Related to Minna Bank, Other subsidiaries, etc. Taxes -2.5% +0.6 +0.3+0.5 OHR (%) = Overhead expenses (excluding non- recurring expenses) ÷ Gross business profit Core OHR (%) = Overhead expenses (excluding non- recurring expenses) ÷ Core gross business profit Personnel expenses Taxes Non-personnel expenses 1 Impact of increase in base pay, etc.: +0.3 2 Related to Minna Bank: +0.2 (increases in personnel/system development costs), etc. Large-scale systems +0.7 Personnel expenses +0.5 (+0.3) 1 2 Banks total +1.5 Non-personnel expenses +1.3 system-related costs Other non-personnel expenses YoY chg. +¥2.6 billion Subsidiaries, etc. +1.1 Figures in parentheses indicate a banks total basis.
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11 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 4.1 1.4 0.2 0.3 0.1 0.0 -3.1 -4.1 -2.41.3 Consolidated Credit Cost ⚫ Consolidated credit cost recorded recoveries of ¥0.8 billion, mainly due to credit rating upgrades of large borrowers and recoveries, improving by ¥3.4 billion year on year. ⚫ Banks total decreased by ¥3.7 billion year on year due to rating changes and recoveries, etc. 15.8 0.1 12.4 1.3 -2.4 8.4 6.0 5.8 1.3 1.6 24.2 6.1 18.2 2.6 -0.8 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Total Banks total Subsidiaries, etc. Profit & Loss (Unit: ¥ bil.) -¥3.4 billion Credit cost (-) (FFG consolidated) (Unit: ¥ bil.) Change by cause of cost (banks total) New bankruptcies Collateral decline Rating change Total YoY chg. -¥3.7 billion 2026/1Q Banks total -3.7 Subsidiaries, etc. +0.3 Fukugin Guarantee +0.3 YoY chg. Recovery, etc. 2025/1Q
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12 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group Loans Assets and Liabilities, etc. Average balance (banks total) Balance at end of period (banks total) (Unit: ¥ bil.) (Unit: ¥ bil.) ⚫ On a banks total basis, the balance at the end of the period was ¥16.6284 trillion, and the average balance was 16.4711 trillion. ⚫ The balance at the end of the period increased by ¥134.9 billion from the end of March 2026 (+3.8% annualized), while the average balance increased by ¥546.2 billion year on year (+3.4% annualized). 4,029.3 4,160.7 4,284.3 4,242.7 4,368.3 7,089.0 7,244.8 7,412.2 7,358.7 7,496.6 1,988.6 2,117.1 2,262.5 2,183.5 2,398.6 1,597.1 1,561.0 1,541.8 1,531.3 1,508.2 653.4 669.0 654.8 608.4 699.3 15,357.6 15,752.7 16,155.7 15,924.9 16,471.1 +4.2% +2.6% +2.6% +2.2％ ＋3.4％ FY2023 FY2024 FY2025 2025/1Q 2026/1Q International Public Large-sized enterprises SMEs Retail Total +¥137.9 billion +¥125.6 billion 4,125.6 4,238.3 4,362.9 4,261.7 4,390.3 7,204.4 7,364.5 7,546.4 7,354.8 7,510.3 2,060.9 2,204.6 2,364.7 2,223.1 2,469.6 1,603.0 1,536.8 1,507.1 1,558.6 1,529.0 670.3 612.4 712.1 625.0 729.0 15,664.4 15,956.7 16,493.5 16,023.5 16,628.4 +4.7% +1.9% +3.4% +2.1% +3.8% Mar. 2024 Mar. 2025 Mar. 2026 June. 2025 June. 2026 Annual rate Total Public Large-sized enterprises SMEs Retail ｰ¥36.1 billion +¥27.4 billion +¥134.9 billion International 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) Annual rate +¥546.2 billion *2 Annual rate by segment (Retail +3.0%, SMEs +2.3%, Large-sized enterprises +9.8%, Public -1.5%, International 14.9%)*1 Annual rate by segment (Retail +3.0%, SMEs +2.1%, Large-sized enterprises +11.1%, Public -1.9%, International +16.6%) *1 *2
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13 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group Deposits, etc. (including CDs) Average balance (banks total) Balance at end of period (banks total) (Unit: ¥ bil.) (Unit: ¥ bil.) 14,253.8 14,330.2 14,460.7 14,510.0 14,623.1 5,296.1 5,264.4 5,430.2 5,622.8 5,807.6 1,532.3 1,608.9 1,464.1 979.1 1,003.6 341.9 322.4 323.6 756.6 782.6 317.5 350.7 254.0 205.2 209.8 21,741.8 21,876.9 21,932.9 22,073.8 22,426.9 +3.5% +0.6% +0.3% +0.2% +1.6% Mar. 2024 Mar. 2025 Mar. 2026 Jun. 2025 Jun. 2026 Annual rate Total Retail +¥494.0 billion +¥377.4 billion +¥162.4 billion 14,025.7 14,356.6 14,472.0 14,356.0 14,477.0 5,356.5 5,453.0 5,484.9 5,566.9 5,745.8 999.2 1,069.3 954.6 1,049.2 1,106.5 674.3 610.7 638.5 566.4 571.3 307.6 280.0 296.8 247.5 209.7 21,363.5 21,769.8 21,847.0 21,786.3 22,110.5 +3.1% +1.9% +0.4% +0.3% +1.5% FY2023 FY2024 FY2025 2025/1Q 2026/1Q International CDs Public Corporate Retail Total Annual rate +¥324.2 billion +¥121.0 billion +¥178.9 billion Assets and Liabilities, etc. ⚫ On a banks total basis, the balance at the end of the period was ¥22.4269 trillion, and the average balance was ¥22.1105 trillion. ⚫ The balance at the end of the period increased by ¥494.0 billion from the end of March 2026 (+1.6% annualized), while the average balance increased by ¥324.2 billion year on year (+1.5% annualized). International CDs Public Corporate *2 Annual rate by segment (Retail +0.8%, Corporate +3.2%, Public +5.5%, CDs+0.9%, International -15.3%)*1 Annual rate by segment (Retail +0.8%, Corporate +3.3%, Public +2.5%, CDs+3.4%, International +2.2%) *1 *2
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14 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 351.6 433.2 441.7 76.0 132.7 162.3 162.1 181.1 48.5 47.9 9.6 21.1 37.5 7.6 17.7 52.7 56.1 64.7 11.0 18.3 576.4 672.7 725.0 143.3 216.8 FY2023 FY2024 FY2025 2025/1Q 2026/1Q Asset Management Products Asset management product sales (Group total) (Unit: ¥ bil.) (Unit: ¥ bil.) Balance of assets under management for individual customers (Group total) (Unit: ¥ bil.) ⚫ Sales of investment products increased by ¥73.5 billion year on year, mainly driven by strong sales of investment trusts. ⚫ The balance of assets under management for individual customers continued to grow steadily, up ¥358.8 billion from the end of March 2026. Foreign currency deposits & government bonds Insurance Investment trusts 984.3 1,115.7 1,415.1 1,215.0 1,671.5 1,327.6 1,352.0 1,491.2 1,387.1 1,519.6 48.9 55.1 82.8 61.5 99.2 431.4 430.7 536.9 453.2 594.6 2,792.4 2,953.6 3,526.2 3,117.0 3,885.0 Mar. 2024 Mar. 2025 Mar. 2026 Jun. 2025 Jun. 2026 FFG Securities*2 Foreign currency deposits & government bonds Insurance Investment trusts Total Assets and Liabilities, etc. +¥73.5 billion +¥358.8 billion FFG Securities*1 Total *2 Total balance of investment trusts, stocks and bonds for individual customers*1 Total sales of investment trusts and bonds
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15 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 1.82 1.66 1.53 1.82 1.77 2.20 2.11 2.16 2.16 2.16 Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 2,666.4 2,660.6 2,540.4 1,935.1 1,857.1 2,086.9 2,222.7 2,361.8 2,384.9 2,541.4 352.4 403.3 422.9 425.3 474.5 159.6 197.3 219.4 316.7 413.2 229.1 253.8 279.2 260.8 292.5 5,494.6 5,737.9 5,824.0 5,323.0 5,578.9 Jun. 2025 Sep. 2025 Dec. 2025 Mar.2026 Jun. 2026 Securities Unrealized gains (losses) (FFG consolidated)Balance at end of period (FFG consolidated) (Unit: ¥ bil.) (Unit: ¥ bil.) Bond duration, 10 BPV (banks total)* (Unit: Years, ¥ bil.) ⚫ Unrealized gains (losses) on securities (after considering hedges) improved to +¥159.9 billion, primarily driven by an increase in the value of stocks and investment trusts following the rise in stock prices. ⚫ For domestic bonds, FFG is proceeding with investments cautiously while keeping a close eye on interest rate trends, and duration remains at around two years. Foreign bonds, etc. Corporate bonds Local government bonds Domestic bonds Stocks Total Assets and Liabilities, etc. ● Domestic bonds ● Foreign bonds Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 Total (before hedges) -91.8 -59.6 -69.4 -35.0 -12.1 o/w Domestic bonds -218.3 -246.2 -303.1 -192.3 -217.2 o/w Foreign bonds -29.8 -23.8 -24.3 -33.3 -35.6 Total (after hedges) -0.3 +64.8 +114.2 +102.7 +159.9 o/w Domestic bonds -149.2 -144.1 -147.1 -83.4 -77.7 o/w Foreign bonds -7.4 -1.3 +3.2 -4.4 -3.0 -3.2 -3.2 -3.4 -3.6 -3.8 -6.1 -5.7 -5.2 -5.2 -5.0 Foreign bonds Domestic bonds ■10 BPV (when interest rates are rising) * After considering hedges; including marketable securities held to maturity o/w foreign bonds 1,341.9 o/w investment trusts 570.7 o/w foreign bonds 1,417.9 o/w investment trusts 614.5 o/w foreign bonds 1,485.1 o/w investment trusts 665.3 o/w foreign bonds 1,544.0 o/w investment trusts 637.5 o/w foreign bonds 1,623.0 o/w investment trusts 695.3
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16 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 159.8 159.7 153.6 174.4 198.7 78.7 68.7 68.9 63.5 63.2 20.6% 17.0% 16.5% 16.2% 17.7% Mar. 2019 Mar. 2022 Mar. 2025 Mar. 2026 Jun. 2026 Mar. 2028 Market value Acquisition cost (book value) Ratio to consolidated net assets (market value basis) Number of Holdings （327） -0.9 Sales, etc. Stock price change ＋25.2 Less than 15% Strategic Shareholdings Assets and Liabilities, etc. ⚫ The consolidated net assets ratio rose to 17.7% as of the end of June 2026 (+1.5% from the end of March 2026), reflecting rising stock prices. ⚫ FFG will continue to steadily reduce strategic shareholdings toward achieving its target while keeping a close eye on stock price trends. Reduction target Reduce the balance of strategic shareholdings (market value) to less than 15% of consolidated net assets by the end of March 2028 * 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 Mar. 2024 Mar. 2025 Mar. 2026 Jun. 2026 Actual Actual Actual Actual Change from Mar. 2026 Number of holdings 6 6 3 2 -1 Acquisitio n cost (¥ bil.) 6.3 6.2 3.3 2.1 -1.2 Market value (¥ bil.) 17.9 17.3 10.7 10.2 -0.5 (¥ bil.) [Strategic shareholdings] * ◼ Status of equity holdings reclassified from policy investments to pure investments — One holding was sold in the current fiscal year, leaving two remaining holdings (Reference) （313） （286） （277） （271） Factors behind the increase in balance (market value) Sales, etc. ¥0.9 billion (total market value as of March 31, 2026） Stock price change ¥25.2 billion
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17 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group 51.5 53.8 53.1 51.5 51.1 143.0 142.4 142.8 138.3 136.0 126.4 121.8 120.3 118.7 116.3 320.8 318.0 316.2 308.5 303.4 1.98% 1.96% 1.91% 1.85% 1.81% 1.63% 1.60% 1.56% 1.51% 1.48% Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 NPLs Disclosed under the FRL, Reserve for Possible Loan Losses ⚫ The disclosed NPL ratio remains below 2%, and the quality of the loan portfolio remains stable at a high level. ⚫ The level of reserve for possible loan losses as a percentage of all loans (reserve ratio) has remained high at around 1.2%. Reserve ratio = Reserve for possible loan losses ÷ Balance of total credit (FRL basis) Disclosed NPL ratio (Including loans to Government, etc.) Doubtful Bankrupt and quasi-bankrupt Substandard Disclosed NPL ratio (Excluding loans to Government, etc.) Total -¥5.0 billion Reserve Reserve ratio (Excluding loans to Government, etc.) Reserve ratio (Including loans to Government, etc.) Assets and Liabilities, etc. Reserve and reserve ratio (FFG consolidated)Balance and ratio of disclosed NPLs under the FRL (FFG consolidated) (Unit: ¥ bil.) (Unit: ¥ bil.) 193.9 192.3 192.8 199.0 196.7 1.2% 1.2% 1.2% 1.2% 1.2% 1.0% 1.0% 1.0% 1.0% 1.0% Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 -0.04% Excluding loans to Government, etc. Excluding loans to Government, etc.
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18 Financial Highlights for the First Quarter of FY2026 Fukuoka Financial Group YoY chg. Net income -8.4 -3.3 -5.1 Credit cost (-) 1.4 +0.3 1.1 FY2026 projection FY2025 results YoY chg. 0.7 -5.3 6.1 Net interest income 1.1 +0.3 0.8 Interest on loans and discounts 1.1 +0.4 0.8 -0.3 -5.7 5.3 Overhead expenses (-) 3.0 +0.2 2.8 Core business profit -2.3 -5.5 3.3 Ordinary profit -2.5 -5.5 2.9 Net income -1.7 -3.8 2.0 Credit cost (-) 0.3 -0.0 0.3 2026/1Q 2025/1Q Gross business profit Non-interest income (excl. gains (losses) on bonds) 1,320 1,380 1,470 1,610 1,740 Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 2.3 2.3 2.3 2.3 2.3 25.4 27.3 30.3 33.3 37.2 27.7 29.7 32.6 35.7 39.5 Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 Minna Bank Minna Bank ⚫ The number of accounts exceeded 1.7 million. Although deposits decreased from the end of March 2026 due to the conclusion of campaigns, among other factors, they increased by ¥11.3 billion year on year. ⚫ Loans increased by ¥3.8 billion from the end of March 2026 to ¥39.5 billion. The disclosed NPL ratio decreased by -0.27% from the end of March 2026 to 3.65%. Number of accounts Balance of loans and cover (Unit: ¥ bil.) (Unit: Thousand) Balance of deposits (excluding special deposits) NPLs Disclosed under the FRL Profit & loss summary (related to Minna Bank*) (Unit: ¥ bil.) (*) Total of Minna Bank and Zerobank Design Factory (after eliminating internal transactions between the two). Number of accounts 19.5 18.6 27.0 31.0 28.0 13.6 13.7 15.2 15.6 16.433.1 32.3 42.2 46.6 44.4 Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 Savings Ordinary Total (Unit: ¥ bil.) (Unit: ¥ bil., %) +11.3billion 1.23 0.22 1.36 1.39 1.43 1.41 1.45 4.85 4.65 4.33 3.92 3.65 Jun. 2025 Sep. 2025 Dec. 2025 Mar. 2026 Jun. 2026 Doubtful Bankrupt and quasi- bankrupt NPL ratio (Unit: ¥ bil., %) Total disclosed NPLs Loan Cover Total +¥3.8 billion 28 (Unit: ¥ bil.) -0.27% 28 2026/1Q results * (Reference) FY2026 earnings projection Target indicators, etc. FY2026 projected Number of accounts 2,300,000 Balance of loans ¥51 billion -2.2billion 28
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⚫This document has been prepared solely for the purpose of providing information and does not constitute a solicitation for the purchase or sale of any specific securities. ⚫All or part of the matters contained in this document may be amended or changed without notice. ⚫Regarding statements about future earnings contained in this document, it should be noted that actual results could vary with respect to forecasts or targets as a consequence of changes in the business environment or other factors. ⚫Please note that this document may not be transcribed or reproduced, or transmitted to a third party, in whole or in part, without the consent of the Company. Last update: August 7, 2026 Fukuoka Financial Group Create diverse forms of abundance with our communities through advanced ideas