Interim report
Page 1
Stock Exchange Listing : URL : Representative : For Inquiry : Payment date of cash dividends : Trading Accounts : Supplementary Materials : IR Conference : Fukuoka Financial Group , Inc. Financial Digest for the First Quarter of FY2026 Tokyo , Fukuoka ( code : 8354 ) https://www.fukuoka-fg.com/ Hisashi Goto , Director & President Toshiyuki Asano , General Manager , Corporate Planning Division Established Attached 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 . August 7 , 2026 Accounting Financial Acc Standards Foundation FASF MEMBERSHIP 1. Consolidated Financial Highlights ( from April 1 , 2026 to June 30 , 2026 ) ( 1 ) Consolidated Operating Results Ordinary Income Ordinary Profit ( % : Changes from corresponding period of previous fiscal year ) Net Income attributable to owners of the parent ¥ Million % ¥ Million % ¥ Million % 1Q FY2026 1Q FY2025 151,911 126,442 20.1 15.9 41,518 27.5 28,708 25.7 32,570 6.2 22,836 9.2 ( Note ) Comprehensive income 1Q FY2026 : \ 66,971 million [ 24.6 % ] 1Q FY2025 : ¥ 53,736 million [ - % ] Net Income per Net Income per Share Share ( Diluted ) 1Q FY2026 1Q FY2025 ( 2 ) Consolidated Financial Position June 30 , 2026 March 31 , 2026 151.92 120.78 ¥ Total Assets Total Net Assets Own Capital Ratio ¥ Million 33,101,981 33,559,486 ¥ Million 1,125,761 1,076,716 % 3.3 3.2 March 31 , 2026 : ¥ 1,076,288 million ( Reference ) Own capital June 30 , 2026 : ¥ 1,125,344 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 FY2025 FY2026 Dividends declared per Share First Quarter - end Second Quarter - end Third Quarter - end Fiscal Year - end Total FY2026 ( projection ) ( Note ) Revision of dividends projections from the latest announcement : 85.00 105.00 None 95.00 180.00 105.00 210.00 3. Consolidated Earnings Projections for Fiscal year 2026 , ( Year ending March 31 , 2027 ) ( % : Changes from corresponding period of previous fiscal year ) Net Income attributable to Ordinary Profit Net Income per Share owners of the parent ¥ Million % ¥ Million % Interim of FY2026 72,000 14.6 48,000 10.2 FY2026 149,500 24.0 100,000 17.1 254.01 529.20 ( Note ) Revision of earnings projections from the latest announcement : None
Page 2
Fukuoka Financial Group,Inc. (millions of Yen) As of As of Mar 31, 2026 Jun 30, 2026 (Assets) 資産の部 Cash and due from banks 現金預け金 7,097,546 6,354,736 Call loans and bills bought コールローン及び買入手形 13,909 16,888 Monetary claims bought 買入金銭債権 43,749 46,220 Trading assets 特定取引資産 268 250 Money held in trust 金銭の信託 29,657 31,864 Securities 有価証券 5,451,502 5,711,246 Loans and bills discounted 貸出金 20,306,888 20,292,173 Foreign exchanges 外国為替 12,168 13,643 Other assets その他資産 383,087 433,795 Tangible fixed assets 有形固定資産 216,924 217,145 Intangible fixed assets 無形固定資産 37,152 37,479 Net defined benefit assets 退職給付に係る資産 70,534 70,900 Deferred tax assets 繰延税金資産 39,679 20,313 Customers' liabilities for acceptances and guarantees 支払承諾見返 55,441 52,076 Allowance for loan losses 貸倒引当金 (199,025) (196,753) Total assets 資産の部合計 33,559,486 33,101,981 (Liabilities) 負債の部 Deposits 預金 21,625,175 21,652,671 Negotiable certificates of deposit 譲渡性預金 260,430 719,104 Call money and bills sold コールマネー及び売渡手形 3,287,500 3,391,000 Payables under repurchase agreements 売現先勘定 1,490,711 1,219,305 Payables under securities lending transactions 債券貸借取引受入担保金 1,196,281 1,414,768 Borrowed money 借用金 4,046,508 2,946,583 Foreign exchanges 外国為替 882 2,622 Short-term bonds payable 短期社債 56,000 56,000 Other liabilities その他負債 434,381 492,859 Net defined benefit liability 退職給付に係る負債 778 794 Provision for losses from reimbursement of inactive accounts 睡眠預金払戻損失引当金 3,927 3,651 Provision for contingent liabilities losses その他の偶発損失引当金 130 130 Provision for share-based remuneration 株式給付引当金 605 612 Reserves under the special laws 特別法上の引当金 39 39 Deferred tax liabilities 繰延税金負債 503 528 Deferred tax liabilities for land revaluation 再評価に係る繰延税金負債 23,471 23,471 Acceptances and guarantees 支払承諾 55,441 52,076 Total liabilities 負債の部合計 32,482,769 31,976,219 (Net assets) 純資産の部 Capital stock 資本金 124,799 124,799 Capital surplus 資本剰余金 143,978 143,978 Retained earnings 利益剰余金 737,059 747,783 Treasury stock 自己株式 (6,109) (6,051) Total shareholders' equity 株主資本合計 999,728 1,010,510 Valuation difference on available-for-sale securities その他有価証券評価差額金 (20,907) (5,584) Deferred gains or losses on hedges 繰延ヘッジ損益 16,020 39,802 Revaluation reserve for land 土地再評価差額金 50,443 50,443 Remeasurements of defined benefit plans 退職給付に係る調整累計額 31,003 30,172 Total accumulated other comprehensive income その他の包括利益累計額合計 76,560 114,833 Non-controlling interests 非支配株主持分 428 417 Total net assets 純資産の部合計 1,076,716 1,125,761 Total liabilities and net assets 負債及び純資産の部合計 33,559,486 33,101,981 科目 (Japanese)Item (1) Consolidated Balance Sheets 4.Consolidated Financial Statements -1-
Page 3
Fukuoka Financial Group,Inc. (millions of Yen) 科目 (Japanese) 3 months ended Jun 30, 2025 3 months ended Jun 30, 2026 Ordinary income: 経常収益 126,442 151,911 Interest income 資金運用収益 98,159 123,772 Interest on loans and discounts （うち貸出金利息） 58,734 75,007 Interest and dividends on securities （うち有価証券利息配当金） 26,453 32,967 Fees and commissions 役務取引等収益 17,390 19,584 Trading income 特定取引収益 17 29 Other operating income その他業務収益 8,543 3,483 Other income その他経常収益 2,332 5,042 Ordinary expenses: 経常費用 93,872 110,393 Interest expenses 資金調達費用 39,705 53,977 Interest on deposits （うち預金利息） 10,503 15,810 Fees and commissions payments 役務取引等費用 7,505 7,977 Other operating expenses その他業務費用 1,112 3,572 General and administrative expenses 営業経費 42,672 43,933 Other expenses その他経常費用 2,877 931 Ordinary profit 経常利益 32,570 41,518 Extraordinary income 特別利益 4 156 Gain on disposal of noncurrent assets 固定資産処分益 4 156 Extraordinary loss 特別損失 48 92 Loss on disposal of noncurrent assets 固定資産処分損 48 63 Impairment loss 減損損失 － 28 Income before income taxes: 税金等調整前四半期純利益 32,526 41,582 Current 法人税、住民税及び事業税 8,976 11,027 Deferred 法人税等調整額 719 1,857 Total income taxes 法人税等合計 9,695 12,885 Net income 四半期純利益 22,830 28,697 Net loss attributable to non-controlling interests (-) 非支配株主に帰属する四半期純損失 (6) (10) Net income attributable to owners of the parent 親会社株主に帰属する四半期純利益 22,836 28,708 Item -2- (2) Consolidated Statements of Income and Consolidated Statements of Comprehensive Income Consolidated Statements of Income
Page 4
Fukuoka Financial Group,Inc. -3- (millions of Yen) 科目 (Japanese) 3 months ended Jun 30, 2025 3 months ended Jun 30, 2026 Net income 四半期純利益 22,830 28,697 Other comprehensive income その他の包括利益 30,905 38,273 Valuation difference on available-for-sale securities その他有価証券評価差額金 17,873 15,311 Deferred gains or losses on hedges 繰延ヘッジ損益 13,625 23,781 Remeasurements of defined benefit plans 退職給付に係る調整額 (593) (830) Share of other comprehensive income of associates accounted for using equity method 持分法適用会社に対する持分相当額 1 11 Total comprehensive income 四半期包括利益 53,736 66,971 (Breakdown) （内訳） Comprehensive income attributable to owners of the parent 親会社株主に係る四半期包括利益 53,742 66,981 Comprehensive income attributable to non-controlling interests 非支配株主に係る四半期包括利益 (6) (10) Item Consolidated Statements of Comprehensive Income
Page 5
Fukuoka Financial Group,Inc. Contents Page １ Gain and loss ・・・・・・・・・・ 5～7 ２ Assets and liabilities (1) Loans ・・・・・・・・・・ 8 (2) Deposits ・・・・・・・・・・ 9 (3) Asset management products ・・・・・・・・・・ 10 (4) Marketable securities ・・・・・・・・・・ 11 (5) Non-performing loans ・・・・・・・・・・ 12 (6) Average fund balance・Interest rate spread (Domestic division) ・・・・・・・・・・ 13 “Financial Highlights” will be posted on our website later as a reference material. Capital adequacy ratio will be announced soon after the calculation is completed. In addition, Capital structure information will be posted on our website soon after the calculation is completed. -4- This report contains forward-looking statements and other forward-looking information relating to the company (the “forward-looking statements”). The forward-looking statements are not historical facts and include, reflect or are otherwise based upon, among other things, the company’s current estimations, projections, views, policies, business strategies, targets, expectations, assumptions and evaluations with respect to general economic conditions, the results of operations, the financial condition, the company’s management in general and other future events. Accordingly, they are inherently susceptible to uncertainties, risks and changes in circumstances and are not guarantees of future performance. Some forward-looking statements represent targets that the company’s management will strive to achieve through the successful implementation of the company’s business strategies. The company may not be successful in implementing its business strategy, and actual results may differ materially, for a wide range of possible reasons. -4- In cases where definitions are different from the following ones, details are stated on each page. FFG (consolidated) Consolidated financial results of Fukuoka Financial Group Subsidiary banks’ total Simple sum of non-consolidated figures of the Bank of Fukuoka, the Kumamoto Bank, the Juhachi-Shinwa Bank and the Fukuoka Chuo Bank Group’s total Subsidiary banks’ total + Figures of FFG Securities * The Fukuoka Chuo Bank’s non-consolidated figures are not included in figures before the end of September 2023. Definitions of terms and figures used in this document August 7, 2026 November 11, 2025 May 13, 2026
Page 6
Fukuoka Financial Group,Inc. -5- (\ mil.) Comparison Comparison Gross business profit 75,481 10,276 65,205 81,481 5,619 75,862 Net interest income 69,506 10,903 58,603 69,935 11,406 58,529 Domestic 64,664 10,040 54,624 65,093 10,540 54,553 International 4,841 862 3,979 4,841 866 3,975 Net fees and commissions 8,106 1,322 6,784 11,606 1,721 9,885 Net trading income 18 10 8 29 12 17 Net other operating income (2,150) (1,960) (190) (89) (7,520) 7,431 Gains (losses) on sales (redemptions) of bonds (3,144) (2,758) (386) (3,144) (2,758) (386) Overhead expenses (-) 34,199 1,450 32,749 45,142 2,597 42,545 Business profit (before transfer to general reserve for possible loan losses) 41,281 8,825 32,456 36,339 3,022 33,317 ① Transfer to general reserve for possible loan losses (-) － (110) 110 － (242) 242 Business profit 41,281 8,935 32,346 36,339 3,265 33,074 Core business profit 44,426 11,584 32,842 39,484 5,781 33,703 Core business profit (excluding gains (losses) on cancellation of investment trusts) 43,947 11,118 32,829 39,005 5,219 33,786 Other operating profit (loss) 6,951 6,365 586 5,179 5,682 (503) ② Credit cost for disposal of non-performing loans (-) (2,398) (3,603) 1,205 (787) (3,140) 2,353 Net transfer to specific reserve for possible loan losses (-) － (897) 897 － (2,044) 2,044 Reversal of allowance for loan losses 2,737 2,737 － 1,126 1,126 － Recoveries of written-off claims 0 0 0 0 0 0 Gains (losses) on stocks 3,284 1,435 1,849 3,007 1,210 1,797 Equity in earnings (losses) of affiliates － － － 42 50 (8) Others 1,268 1,325 (57) 1,342 1,282 60 Ordinary profit 48,233 15,301 32,932 41,518 8,948 32,570 Extraordinary profit (loss) 53 96 (43) 64 107 (43) Income (loss) before income taxes 48,287 15,399 32,888 41,582 9,056 32,526 Total income taxes (-) 13,276 4,830 8,446 12,885 3,190 9,695 Net income 35,011 10,569 24,442 28,697 5,867 22,830 (10) (4) (6) 28,708 5,872 22,836 Total credit cost ①+② (-) (2,398) (3,713) 1,315 (787) (3,383) 2,596 FFG (consolidated) Net income attributable to non-controlling interests (-) Net income attributable to owners of the parent 3 months ended Jun 30, 2026 3 months ended Jun 30, 2025 3 months ended Jun 30, 2026 3 months ended Jun 30, 2025 Subsidiary banks' total 1．Gain and loss <Notes> 1. “( )”denotes minus. 2. Core business profit = Business profit + Transfer to general reserve for possible loan losses － Gains (losses) on sales (redemptions) of bonds 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 【Business integration with the Fukuoka Chuo Bank】 We carried out a business integration with the Fukuoka Chuo Bank on October 1, 2023. Figures of FFG (consolidated) and subsidiary banks’ total for FY2023 (12 months) include figures of the Fukuoka Chuo Bank for the second half of the year (6 months). Core business profit Ordinary profit Net income ¥44.4 billion ¥48.2 billion ¥35.0 billion Reference (¥ bil.) FY2025 FY2024 Comparison Net income (Subsidiary banks' total) 109.7 93.9 15.8 FFG non-consolidated (19.4) (15.9) (3.6) Profit (loss) related to Minna Bank (5.1) (8.8) 3.7 Profit (loss) of subsidiary companies 5.5 4.8 0.7 Other consolidation adjustments (5.3) (1.9) (3.3) FFG’s consolidated net income 85.4 72.1 13.3 Reference (¥ bil.) 26/1Q 25/1Q Comparison Net income (Subsidiary banks' total) 35.0 24.4 10.6 FFG non-consolidated (5.3) (4.4) (0.9) Profit (loss) related to Minna Bank (1.8) 2.0 (3.8) Profit (loss) of subsidiary companies 1.2 1.1 0.1 Other consolidation adjustments (0.4) (0.3) (0.1) FFG’s consolidated net profit for the quarter 28.7 22.8 5.9 Core business profit Ordinary profit Net income attributable to owners of the parent ¥39.5 billion ¥41.5 billion ¥28.7 billion Subsidiary banks’ total Consolidated *The projections announced in the Financial Digest that was released on August 7, 2026. They are the figures of subsidiary banks’ total, excluding that of net income attributable to owners of the parent. 13.72 cm
Page 7
Fukuoka Financial Group,Inc. -6- (\ mil.) Comparison Gross business profit 6,474 736 5,738 Net interest income 6,142 761 5,381 Domestic 6,137 761 5,376 International 4 (1) 5 Net fees and commissions 287 (47) 334 Net other operating income 44 21 23 Gains (losses) on sales (redemptions) of bonds 10 10 0 Overhead expenses (-) 4,236 530 3,706 Business profit (before transfer to general reserve for possible loan losses) 2,238 206 2,032 ① Transfer to general reserve for possible loan losses (-) 134 625 △491 Business profit 2,103 (420) 2,523 Core business profit 2,227 195 2,032 Core business profit (excluding gains (losses) on cancellation of investment trusts) 2,227 195 2,032 Other operating profit (loss) (71) 547 (618) ② Credit cost for disposal of non-performing loans (-) 62 (474) 536 Net transfer to specific reserve for possible loan losses (-) 8 (484) 492 Reversal of allowance for loan losses － － － Recoveries of written-off claims 0 0 0 Gains (losses) on stocks 1 1 － Others (10) 72 (82) Ordinary profit 2,032 128 1,904 Extraordinary profit (loss) (0) 0 (0) Income (loss) before income taxes 2,032 128 1,904 Total income taxes (-) 507 22 485 Net income 1,524 106 1,418 197 152 45 The Kumamoto Bank (non-consolidated) Total credit cost ①+② (-) 3 months ended Jun 30, 2026 3 months ended Jun 30, 2025 (\ mil.) Comparison Gross business profit 49,848 6,484 43,364 Net interest income 45,930 7,295 38,635 Domestic 41,875 6,669 35,206 International 4,054 626 3,428 Net fees and commissions 5,935 964 4,971 Net trading income 18 10 8 Net other operating income (2,035) (1,785) (250) Gains (losses) on sales (redemptions) of bonds (2,953) (2,459) (494) Overhead expenses (-) 19,675 883 18,792 Business profit (before transfer to general reserve for possible loan losses) 30,173 5,602 24,571 ① Transfer to general reserve for possible loan losses (-) － (975) 975 Business profit 30,173 6,577 23,596 Core business profit 33,126 8,061 25,065 Core business profit (excluding gains (losses) on cancellation of investment trusts) 32,975 7,627 25,348 Other operating profit (loss) 5,367 4,594 773 ② Credit cost for disposal of non-performing loans (-) (2,071) (2,320) 249 Net transfer to specific reserve for possible loan losses (-) － (73) 73 Reversal of allowance for loan losses 2,226 2,226 － Recoveries of written-off claims 0 0 0 Gains (losses) on stocks 2,229 1,084 1,145 Others 1,066 1,187 (121) Ordinary profit 35,541 11,172 24,369 Extraordinary profit (loss) (72) (67) (5) Income (loss) before income taxes 35,468 11,105 24,363 Total income taxes (-) 10,005 3,554 6,451 Net income 25,462 7,550 17,912 (2,071) (3,295) 1,224Total credit cost ①+② (-) 3 months ended Jun 30, 2026 3 months ended Jun 30, 2025 The Bank of Fukuoka (non-consolidated)
Page 8
Fukuoka Financial Group,Inc. -7- (\ mil.) Comparison Gross business profit 1,622 (96) 1,718 Net interest income 1,805 118 1,687 Domestic 1,806 123 1,683 International (0) (4) 4 Net fees and commissions 22 (9) 31 Net other operating income (205) (205) 0 Gains (losses) on sales (redemptions) of bonds (205) (205) － Overhead expenses (-) 1,609 43 1,566 Business profit (before transfer to general reserve for possible loan losses) 12 (140) 152 ① Transfer to general reserve for possible loan losses (-) 46 57 (11) Business profit (33) (196) 163 Core business profit 218 66 152 Core business profit (excluding gains (losses) on cancellation of investment trusts) 218 66 152 Other operating profit (loss) 193 343 (150) ② Credit cost for disposal of non-performing loans (-) 17 (160) 177 Net transfer to specific reserve for possible loan losses (-) (22) (199) 177 Reversal of allowance for loan losses － － － Recoveries of written-off claims 0 0 0 Gains (losses) on stocks 207 207 － Others 3 (24) 27 Ordinary profit 159 146 13 Extraordinary profit (loss) (0) 0 (0) Income (loss) before income taxes 159 146 13 Total income taxes (-) 47 66 (19) Net income 112 80 32 63 (103) 166Total credit cost ①+② (-) The Fukuoka Chuo Bank (non-consolidated) 3 months ended Jun 30, 2026 3 months ended Jun 30, 2025 (\ mil.) Comparison Gross business profit 17,535 3,152 14,383 Net interest income 15,628 2,729 12,899 Domestic 14,844 2,486 12,358 International 783 243 540 Net fees and commissions 1,860 413 1,447 Net other operating income 45 9 36 Gains (losses) on sales (redemptions) of bonds 3 (104) 107 Overhead expenses (-) 8,678 (5) 8,683 Business profit (before transfer to general reserve for possible loan losses) 8,857 3,157 5,700 ① Transfer to general reserve for possible loan losses (-) － － － Business profit 8,857 3,157 5,700 Core business profit 8,853 3,261 5,592 Core business profit (excluding gains (losses) on cancellation of investment trusts) 8,526 3,229 5,297 Other operating profit (loss) 1,642 698 944 ② Credit cost for disposal of non-performing loans (-) (587) (467) (120) Net transfer to specific reserve for possible loan losses (-) － － － Reversal of allowance for loan losses 679 471 208 Recoveries of written-off claims － － － Gains (losses) on stocks 845 141 704 Others 209 90 119 Ordinary profit 10,499 3,855 6,644 Extraordinary profit (loss) 127 164 (37) Income (loss) before income taxes 10,627 4,021 6,606 Total income taxes (-) 2,714 1,185 1,529 Net income 7,912 2,835 5,077 (587) (467) (120) 3 months ended Jun 30, 2026 3 months ended Jun 30, 2025 The Juhachi-Shinwa Bank (non-consolidated) Total credit cost ①+② (-)
Page 9
Fukuoka Financial Group,Inc. -8- (\ mil.) change from change from Mar 31, 2026 Jun 30, 2025 Total loans 4.0% 20,356,975 (26,784) 777,080 20,383,759 19,579,895 3.8% 16,628,489 134,963 604,982 16,493,526 16,023,507 Personal segment 3.0% 4,390,306 27,337 128,546 4,362,969 4,261,760 Corporate segment 4.2% 15,966,667 (54,121) 648,534 16,020,788 15,318,133 General corporate 4.8% 10,797,184 75,166 494,017 10,722,018 10,303,167 Public sector 3.1% 5,169,482 (129,286) 154,517 5,298,768 5,014,965 Personal loans 3.2% 4,278,574 31,177 130,704 4,247,397 4,147,870 Housing loans 2.9% 3,828,347 20,595 107,570 3,807,752 3,720,777 Consumer loans 7.0% 401,883 10,274 26,290 391,609 375,593 3.2% 12,463,291 16,035 383,282 12,447,256 12,080,009 － 61.22% 0.16% (0.47%) 61.06% 61.69% Total loans 2.6% 13,489,048 (97,392) 343,589 13,586,440 13,145,459 4.4% 11,435,214 146,802 478,539 11,288,412 10,956,675 Personal segment 3.4% 2,742,586 21,393 89,118 2,721,193 2,653,468 Corporate segment 2.4% 10,746,461 (118,786) 254,471 10,865,247 10,491,990 General corporate 5.4% 7,852,835 106,916 405,006 7,745,919 7,447,829 Public sector (4.9%) 2,893,626 (225,702) (150,535) 3,119,328 3,044,161 Fukuoka Prefecture 3.9% 8,623,986 81,636 320,166 8,542,350 8,303,820 Personal loans 3.5% 2,684,345 23,229 91,011 2,661,116 2,593,334 Housing loans 3.2% 2,400,279 16,043 73,668 2,384,236 2,326,611 Consumer loans 7.5% 254,306 7,102 17,786 247,204 236,520 3.6% 8,422,714 50,164 293,321 8,372,550 8,129,393 － 62.44% 0.82% 0.60% 61.62% 61.84% Total loans 13.6% 2,273,619 (96,032) 272,096 2,369,651 2,001,523 5.4% 1,637,092 16,907 83,761 1,620,185 1,553,331 Personal segment 4.7% 654,466 5,978 29,237 648,488 625,229 Corporate segment 17.6% 1,619,152 (102,011) 242,859 1,721,163 1,376,293 General corporate 6.2% 822,733 2,794 48,219 819,939 774,514 Public sector 32.3% 796,419 (104,804) 194,640 901,223 601,779 Kumamoto Prefecture 5.7% 1,538,909 21,500 83,346 1,517,409 1,455,563 Personal loans 4.7% 624,915 6,908 28,280 618,007 596,635 Housing loans 4.4% 580,137 4,907 24,511 575,230 555,626 Consumer loans 15.3% 41,653 2,066 5,515 39,587 36,138 5.1% 1,401,997 8,230 68,468 1,393,767 1,333,529 － 61.66% 2.85% (4.96%) 58.81% 66.62% Total loans 3.5% 4,154,989 154,752 140,203 4,000,237 4,014,786 1.5% 3,171,553 (25,202) 46,426 3,196,755 3,125,127 Personal segment 1.2% 925,432 518 11,168 924,914 914,264 Corporate segment 4.2% 3,229,557 154,235 129,035 3,075,322 3,100,522 General corporate 2.5% 1,826,314 (31,499) 44,262 1,857,813 1,782,052 Public sector 6.4% 1,403,243 185,734 84,774 1,217,509 1,318,469 Nagasaki Prefecture (1.1%) 2,207,937 (20,005) (24,169) 2,227,942 2,232,106 Personal loans 1.5% 909,522 1,759 13,217 907,763 896,305 Housing loans 1.3% 807,038 28 10,528 807,010 796,510 Consumer loans 3.8% 89,979 1,314 3,276 88,665 86,703 1.1% 2,282,795 (39,018) 25,269 2,321,813 2,257,526 － 54.94% (3.10%) (1.29%) 58.04% 56.23% Total loans 5.1% 439,319 11,888 21,192 427,431 418,127 (1.0%) 384,630 (3,544) (3,744) 388,174 388,374 Personal segment (1.4%) 67,822 (552) (977) 68,374 68,799 Corporate segment 6.3% 371,497 12,441 22,169 359,056 349,328 General corporate (1.2%) 295,302 (3,045) (3,470) 298,347 298,772 Public sector 50.7% 76,194 15,486 25,638 60,708 50,556 Fukuoka Prefecture (1.0%) 384,630 (3,544) (3,744) 388,174 388,374 Personal loans (2.9%) 59,792 (719) (1,804) 60,511 61,596 Housing loans (2.7%) 40,893 (383) (1,137) 41,276 42,030 Consumer loans (1.8%) 15,945 (208) (287) 16,153 16,232 (1.1%) 355,785 (3,341) (3,776) 359,126 359,561 － 80.98% (3.03%) (5.01%) 84.01% 85.99% Mar 31, 2026 Jun 30, 2025 Subsidiary banks' total The Bank of Fukuoka (non-consolidated) The Kumamoto Bank (non-consolidated) annual rate of growth Excluding loans to FFG, the Japanese government and others Loans to small-and-medium-sized enterprises, etc. Loans to small-and-medium-sized enterprises, etc. ratio Excluding loans to FFG, the Japanese government and others Loans to small-and-medium-sized enterprises, etc. ratio The Juhachi-Shinwa Bank (non-consolidated) The Fukuoka Chuo Bank (non-consolidated) Jun 30, 2026 Loans to small-and-medium-sized enterprises, etc. ratio Loans to small-and-medium-sized enterprises, etc. Excluding loans to FFG, the Japanese government and others Loans to small-and-medium-sized enterprises, etc. ratio Loans to small-and-medium-sized enterprises, etc. Loans to small-and-medium-sized enterprises, etc. Excluding loans to FFG, the Japanese government and others Loans to small-and-medium-sized enterprises, etc. ratio Loans to small-and-medium-sized enterprises, etc. Excluding loans to FFG, the Japanese government and others <Note> The term-end balance of loans includes loans granted by the Bank of Fukuoka to FFG (¥88.1 billion at the end of June 2026, ¥98.6 billion at the end of March 2026, and ¥100.1 billion at the end of June 2025). 2．Assets and liabilities (1) Loans Subsidiary banks' total
Page 10
Fukuoka Financial Group,Inc. -9- (\ mil.) change from change from Mar 31, 2026 Jun 30, 2025 Personal deposits 0.8% 14,641,486 162,464 113,871 14,479,022 14,527,615 Corporate deposits 3.1% 7,002,856 (127,455) 213,196 7,130,311 6,789,660 General corporate 3.7% 5,869,626 396,371 211,870 5,473,255 5,657,756 Public and financial sectors 0.1% 1,133,228 (523,826) 1,325 1,657,054 1,131,903 Total 1.5% 21,644,346 35,013 327,068 21,609,333 21,317,278 Demand 1.2% 16,557,054 (62,331) 195,209 16,619,385 16,361,845 Time 2.7% 5,087,290 97,343 131,858 4,989,947 4,955,432 CDs 3.4% 782,603 458,974 25,987 323,629 756,616 Deposits and CDs 1.6% 22,426,951 493,987 353,056 21,932,964 22,073,895 Personal deposits 0.8% 9,236,023 103,686 76,720 9,132,337 9,159,303 Corporate deposits 4.7% 4,603,247 (173,618) 208,393 4,776,865 4,394,854 General corporate 4.3% 3,834,254 336,192 156,610 3,498,062 3,677,644 Public and financial sectors 7.2% 768,992 (509,811) 51,782 1,278,803 717,210 Total 2.1% 13,839,271 (69,931) 285,113 13,909,202 13,554,158 Demand 2.2% 10,809,529 (115,216) 229,048 10,924,745 10,580,481 Time 1.9% 3,029,741 45,284 56,064 2,984,457 2,973,677 CDs 1.5% 592,022 358,729 8,699 233,293 583,323 Deposits and CDs 2.1% 14,431,294 288,798 293,812 14,142,496 14,137,482 Fukuoka Prefecture 2.3% 12,998,666 (40,485) 290,192 13,039,151 12,708,474 Personal deposits 1.6% 1,254,240 11,560 19,862 1,242,680 1,234,378 Corporate deposits 4.1% 493,220 34,647 19,204 458,573 474,016 General corporate 3.7% 459,763 20,866 16,288 438,897 443,475 Public and financial sectors 9.5% 33,456 13,781 2,915 19,675 30,541 Total 2.3% 1,747,461 46,208 39,067 1,701,253 1,708,394 Demand 0.2% 1,248,530 22,353 2,409 1,226,177 1,246,121 Time 7.9% 498,931 23,856 36,658 475,075 462,273 CDs － 500 0 500 500 － Deposits and CDs 2.3% 1,747,961 46,208 39,567 1,701,753 1,708,394 Kumamoto Prefecture 2.6% 1,665,295 45,562 42,129 1,619,733 1,623,166 Personal deposits 0.3% 3,820,037 48,375 11,017 3,771,662 3,809,020 Corporate deposits (0.8%) 1,738,695 (12,684) (14,109) 1,751,379 1,752,804 General corporate 2.6% 1,431,958 37,662 35,951 1,394,296 1,396,007 Public and financial sectors (14.0%) 306,737 (50,346) (50,059) 357,083 356,796 Total (0.1%) 5,558,733 35,692 (3,092) 5,523,041 5,561,825 Demand (0.9%) 4,243,874 5,602 (38,582) 4,238,272 4,282,456 Time 2.8% 1,314,858 30,089 35,489 1,284,769 1,279,369 CDs 11.1% 175,032 85,196 17,477 89,836 157,555 Deposits and CDs 0.3% 5,733,765 120,887 14,385 5,612,878 5,719,380 Nagasaki Prefecture (0.2%) 5,187,311 23,268 (8,565) 5,164,043 5,195,876 Personal deposits 1.9% 331,186 (1,157) 6,272 332,343 324,914 Corporate deposits (0.2%) 167,694 24,200 (292) 143,494 167,986 General corporate 2.1% 143,651 1,651 3,021 142,000 140,630 Public and financial sectors (12.1%) 24,043 22,550 (3,313) 1,493 27,356 Total 1.2% 498,881 23,044 5,980 475,837 492,901 Demand 0.9% 255,121 24,930 2,334 230,191 252,787 Time 1.5% 243,760 (1,886) 3,647 245,646 240,113 CDs (4.4%) 15,049 15,049 (689) － 15,738 Deposits and CDs 1.0% 513,931 38,094 5,292 475,837 508,639 Fukuoka Prefecture 1.2% 498,881 23,044 5,980 475,837 492,901 The Bank of Fukuoka (non-consolidated) The Kumamoto Bank (non-consolidated) The Juhachi-Shinwa Bank (non-consolidated) annual rate of growth Jun 30, 2025Jun 30, 2026 Mar 31, 2026 The Fukuoka Chuo Bank (non-consolidated) Subsidiary banks' total (2) Deposits Subsidiary banks' total
Page 11
Fukuoka Financial Group,Inc. -10- (\ bil.) change from change from change from (3 months) 1Q FY2025 (3 months) Mar 31, 2026 Jun 30, 2025 Investment trusts 132.7 56.7 76.0 1,671.5 256.4 456.5 1,415.1 1,215.0 Individual insurance 47.9 (0.6) 48.5 1,519.6 28.4 132.5 1,491.2 1,387.1 Foreign currency deposits 0.3 0.0 0.3 18.1 0.1 0.7 18.0 17.4 Government bonds 17.4 10.2 7.2 81.0 16.2 36.9 64.8 44.1 FFG Securities 18.3 7.3 11.0 594.6 57.7 141.4 536.9 453.2 Total 216.8 73.5 143.3 3,885.0 358.8 768.0 3,526.2 3,117.0 Investment trusts 83.7 34.3 49.4 1,045.4 162.0 288.2 883.4 757.2 Individual insurance 30.0 2.0 28.0 856.0 19.7 82.7 836.3 773.3 Foreign currency deposits 0.2 0.0 0.2 13.8 0.1 0.7 13.7 13.1 Government bonds 13.4 8.1 5.3 61.2 12.5 28.6 48.7 32.6 Total 127.5 44.4 83.1 1,976.5 194.3 400.2 1,782.2 1,576.3 Investment trusts 14.7 6.4 8.3 199.4 31.1 54.3 168.3 145.1 Individual insurance 4.9 (0.5) 5.4 174.9 2.8 13.9 172.1 161.0 Foreign currency deposits 0.0 0.0 0.0 1.4 0.1 0.0 1.3 1.4 Government bonds 0.2 0.1 0.1 1.2 0.2 0.5 1.0 0.7 Total 19.9 6.0 13.9 376.9 34.1 68.6 342.8 308.3 Investment trusts 32.8 15.4 17.4 407.5 60.7 110.1 346.8 297.4 Individual insurance 11.9 (1.7) 13.6 455.6 5.7 34.2 449.9 421.4 Foreign currency deposits 0.0 0.0 0.0 2.8 (0.1) 0.0 2.9 2.8 Government bonds 3.2 1.6 1.6 16.7 3.1 7.0 13.6 9.7 Total 48.0 15.2 32.8 882.8 69.4 151.4 813.4 731.4 Investment trusts 1.4 0.6 0.8 19.1 2.6 4.0 16.5 15.1 Individual insurance 1.1 (0.2) 1.3 33.0 0.3 1.7 32.7 31.3 Foreign currency deposits － － － 0.0 0.0 0.0 0.0 0.0 Government bonds 0.4 0.3 0.1 1.7 0.4 0.7 1.3 1.0 Total 2.9 0.6 2.3 53.9 3.2 6.3 50.7 47.6 1Q FY2026 1Q FY2025 Jun 30, 2026 Sales of asset management products Outstanding balance of assets under management for individual customers Mar 31, 2026 Jun 30, 2025 The Bank of Fukuoka (non-consolidated) The Kumamoto Bank (non-consolidated) The Juhachi-Shinwa Bank (non-consolidated) The Fukuoka Chuo Bank (non-consolidated) Group's total Group’s total (3) Asset management products <Notes> 1. The sales of investment trusts include those to corporate customers, but the others are the sales only to individuals. 2. The sales of individual insurance don’t include level premium insurance besides prepaid contracts. 3. 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.
Page 12
Fukuoka Financial Group,Inc. -11- (\ mil.) change from change from Mar 31, 2026 Mar 31, 2026 Total 5,578,991 255,976 (12,161) 22,899 5,323,015 (35,060) After hedges 159,918 57,135 102,783 Stocks 292,586 31,751 199,981 33,733 260,835 166,248 Domestic bonds 2,744,965 67,750 (217,240) (24,841) 2,677,215 (192,399) After hedges (77,706) 5,785 (83,491) National government bonds 1,857,131 (77,984) (153,592) (18,819) 1,935,115 (134,773) Others 2,541,439 156,476 5,097 14,005 2,384,963 (8,908) Foreign bonds 1,623,028 79,011 (35,623) (2,274) 1,544,017 (33,349) After hedges (3,077) 1,338 (4,415) Total 3,506,405 152,513 23,871 19,238 3,353,892 4,633 Stocks 221,141 25,242 157,840 26,639 195,899 131,201 Domestic bonds 1,546,882 23,412 (135,610) (15,812) 1,523,470 (119,798) National government bonds 1,065,056 (53,769) (102,122) (13,690) 1,118,825 (88,432) Others 1,738,380 103,859 1,641 8,410 1,634,521 (6,769) Foreign bonds 1,241,355 67,695 (17,867) (825) 1,173,660 (17,042) Total 222,106 25,534 (9,169) (1,454) 196,572 (7,715) Stocks 2,682 187 1,744 186 2,495 1,558 Domestic bonds 189,967 23,221 (10,486) (1,670) 166,746 (8,816) National government bonds 111,289 (1,592) (8,289) (918) 112,881 (7,371) Others 29,456 2,126 (427) 30 27,330 (457) Foreign bonds － － － － － － Total 1,649,228 79,712 (13,433) 4,718 1,569,516 (18,151) Stocks 59,897 6,542 44,954 6,850 53,355 38,104 Domestic bonds 862,648 30,664 (64,142) (7,507) 831,984 (56,635) National government bonds 561,088 (14,121) (37,714) (4,304) 575,209 (33,410) Others 726,682 42,506 5,754 5,375 684,176 379 Foreign bonds 375,387 11,987 (17,449) (1,478) 363,400 (15,971) Total 196,412 (1,751) 2,925 (14) 198,163 2,939 Stocks 8,864 (219) 5,842 (220) 9,083 6,062 Domestic bonds 145,467 (9,547) (4,279) (15) 155,014 (4,264) National government bonds 119,697 (8,502) (3,361) (38) 128,199 (3,323) Others 42,080 8,016 1,362 221 34,064 1,141 Foreign bonds 3,379 (683) (222) 16 4,062 (238) FFG (consolidated) The Kumamoto Bank (non-consolidated) The Juhachi-Shinwa Bank (non-consolidated) The Fukuoka Chuo Bank (non-consolidated) Mar 31, 2026 Market value Unrealized gain(loss) Market value Unrealized gain(loss) Jun 30, 2026 The Bank of Fukuoka (consolidated) FFG (consolidated) (4) Marketable securities 1Q/3Q用 (Reference) The unrealized gain(loss) after hedges <Note> In regard to domestic and foreign bonds, the group adopts deferred hedge accounting for derivatives transactions including inter est rate swaps to mitigate market price fluctuation risk. (\ mil.) change from Mar 31, 2026 Domestic bonds (217,240) 24,841 (192,399) After hedges (77,706) (5,785) (83,491) Foreign bonds (35,623) 2,274 (33,349) After hedges (3,077) (1,338) (4,415) Jun 30, 2026 Mar 31, 2026 FFG (consolidated)
Page 13
Fukuoka Financial Group,Inc. -12- (\ mil.) change from change from Mar 31, 2026 Jun 30, 2025 NPLs under the FRL ① 303,447 (5,009) (17,388) 308,456 320,835 Bankrupt and Quasi-bankrupt 51,088 (448) (370) 51,536 51,458 Doubtful 136,020 (2,247) (6,970) 138,267 142,990 Substandard 116,338 (2,315) (10,049) 118,653 126,387 Total claims outstandings ② 20,398,570 (17,477) 795,298 20,416,047 19,603,272 ①／② 1.48% (0.03%) (0.15%) 1.51% 1.63% NPLs under the FRL ① 173,902 (3,913) (11,684) 177,815 185,586 Bankrupt and Quasi-bankrupt 28,939 (1,502) (938) 30,441 29,877 Doubtful 69,587 (61) (1,564) 69,648 71,151 Substandard 75,375 (2,351) (9,182) 77,726 84,557 Total claims outstandings ② 13,550,893 (100,582) 334,747 13,651,475 13,216,146 ①／② 1.28% (0.02%) (0.12%) 1.30% 1.40% NPLs under the FRL ① 36,112 (478) 3,045 36,590 33,067 Bankrupt and Quasi-bankrupt 5,797 361 543 5,436 5,254 Doubtful 17,676 (639) (1,339) 18,315 19,015 Substandard 12,638 (201) 3,841 12,839 8,797 Total claims outstandings ② 2,287,389 (95,622) 272,772 2,383,011 2,014,617 ①／② 1.57% 0.04% (0.07%) 1.53% 1.64% NPLs under the FRL ① 67,969 (1,092) (7,246) 69,061 75,215 Bankrupt and Quasi-bankrupt 8,269 403 (100) 7,866 8,369 Doubtful 33,680 (1,076) (2,000) 34,756 35,680 Substandard 26,019 (419) (5,146) 26,438 31,165 Total claims outstandings ② 4,179,192 154,357 141,186 4,024,835 4,038,006 ①／② 1.62% (0.09%) (0.24%) 1.71% 1.86% NPLs under the FRL ① 19,443 224 (1,482) 19,219 20,925 Bankrupt and Quasi-bankrupt 2,283 47 134 2,236 2,149 Doubtful 14,854 (479) (2,054) 15,333 16,908 Substandard 2,304 655 438 1,649 1,866 Total claims outstandings ② 441,120 12,069 21,512 429,051 419,608 ①／② 4.40% (0.07%) (0.58%) 4.47% 4.98% Mar 31, 2026 Jun 30, 2025 FFG (consolidated) The Bank of Fukuoka (non-consolidated) The Kumamoto Bank (non-consolidated) Jun 30, 2026 Ratio of NPLs under the FRL to the total credits Ratio of NPLs under the FRL to the total credits The Fukuoka Chuo Bank (non-consolidated) Ratio of NPLs under the FRL to the total credits The Juhachi-Shinwa Bank (non-consolidated) Ratio of NPLs under the FRL to the total credits Ratio of NPLs under the FRL to the total credits (5) Non-performing loans 1Q/3Q用 <Note> Figures of the Non-performing loans and Total claims outstandings include bank guaranteed private placement bonds. FFG (consolidated)
Page 14
Fukuoka Financial Group,Inc. -13- (\ mil.) (%) 1Q FY2026 1Q FY2025 1Q FY2026 1Q FY2025 annual rate of growth (3 months) YoY change (3 months) (3 months) YoY change (3 months) (1) Interest earning assets 3.9% 27,142,089 1,026,958 26,115,131 1.54 0.35 1.19 Loans and bills discounted ① 5.3% 19,621,936 982,653 18,639,283 1.39 0.27 1.12 Securities (8.5%) 3,802,409 (351,427) 4,153,836 1.57 0.50 1.07 (2) Interest bearing liabilities 2.8% 33,191,092 888,447 32,302,645 0.89 0.21 0.68 Deposits and CDs ② 1.7% 21,900,782 362,038 21,538,744 0.28 0.11 0.17 External liabilities 15.1% 8,868,128 1,162,331 7,705,797 0.54 0.26 0.28 1.11 0.16 0.95 0.65 0.14 0.51 (1) Interest earning assets 4.7% 18,141,430 808,030 17,333,400 1.52 0.35 1.17 Loans and bills discounted ① 4.7% 12,821,326 581,284 12,240,042 1.37 0.26 1.11 Securities (11.1%) 2,211,339 (276,804) 2,488,143 1.66 0.57 1.09 (2) Interest bearing liabilities 3.3% 22,261,909 711,893 21,550,016 0.83 0.20 0.63 Deposits and CDs ② 2.1% 13,975,376 294,105 13,681,271 0.28 0.11 0.17 External liabilities 17.6% 6,489,606 972,765 5,516,841 0.54 0.28 0.26 1.09 0.15 0.94 0.69 0.15 0.54 (1) Interest earning assets 8.1% 2,538,202 189,866 2,348,336 1.64 0.33 1.31 Loans and bills discounted ① 9.9% 2,306,943 208,606 2,098,337 1.38 0.25 1.13 Securities 20.6% 222,398 38,054 184,344 1.44 0.58 0.86 (2) Interest bearing liabilities 2.6% 3,178,392 79,989 3,098,403 1.07 0.30 0.77 Deposits and CDs ② 2.0% 1,725,016 33,505 1,691,511 0.30 0.12 0.18 External liabilities 4.5% 1,337,451 58,042 1,279,409 0.55 0.23 0.32 1.08 0.13 0.95 0.57 0.03 0.54 (1) Interest earning assets (0.0%) 5,838,290 (1,664) 5,839,954 1.55 0.37 1.18 Loans and bills discounted ① 4.8% 4,066,122 185,417 3,880,705 1.40 0.28 1.12 Securities (10.5%) 1,176,161 (137,982) 1,314,143 1.53 0.41 1.12 (2) Interest bearing liabilities 1.2% 7,092,104 82,551 7,009,553 0.93 0.16 0.77 Deposits and CDs ② 0.5% 5,687,211 28,778 5,658,433 0.27 0.11 0.16 External liabilities 14.8% 1,020,015 131,626 888,389 0.53 0.23 0.30 1.13 0.17 0.96 0.62 0.21 0.41 (1) Interest earning assets 5.2% 624,165 30,725 593,440 1.62 0.23 1.39 Loans and bills discounted ① 1.7% 427,544 7,346 420,198 1.81 0.21 1.60 Securities 15.1% 192,509 25,304 167,205 0.97 0.28 0.69 (2) Interest bearing liabilities 2.2% 658,685 14,013 644,672 1.42 0.21 1.21 Deposits and CDs ② 1.1% 513,177 5,649 507,528 0.34 0.17 0.17 External liabilities (0.5%) 21,054 (103) 21,157 0.71 0.29 0.42 1.47 0.04 1.43 0.20 0.02 0.18 The Fukuoka Chuo Bank (non-consolidated) (3) Difference between average yields on loans and deposits ①-② (4) Average interest rate spread (1)-(2) The Kumamoto Bank (non-consolidated) (3) Difference between average yields on loans and deposits ①-② (4) Average interest rate spread (1)-(2) The Juhachi-Shinwa Bank (non-consolidated) (3) Difference between average yields on loans and deposits ①-② (4) Average interest rate spread (1)-(2) Subsidiary banks' total (3) Difference between average yields on loans and deposits ①-② (4) Average interest rate spread (1)-(2) The Bank of Fukuoka (non-consolidated) (3) Difference between average yields on loans and deposits ①-② (4) Average interest rate spread (1)-(2) Average fund balance Interest rate spread (6) Average fund balance・Interest rate spread (Domestic division) Subsidiary banks' total <Note> 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)*365/91} / Average balance of funding-related accounts