Investor Presentaiton

Projections for FY2014 Profit & Loss (3 banks' total) To be your Bank of choice 3 banks non- consolidated total Bank of Fukuoka (non-consolidated) Kumamoto Bank (non-consolidated) (\bil.) Shinwa Bank (non-consolidated) Profit & Loss (By bank) (\bil.) Bank of Fukuoka Core business profit P:FY14 YoY Chg. P:FY14 YoY Chg. P:FY14 YoY Chg. P:FY14 YoY Chg. ■Net income Gross business profit 172.2 - 9.0 122.6 - 7.6 20.2 -0.1 29.3 - 1.2 59.9 59.9 59.8 57.2 Net interest income 148.6 - 4.4 105.5 -2.7 18.3 -0.3 24.8 - 1.4 Domestic 141.6 - 5.6 98.6 - 3.8 18.2 - 0.4 24.7 40.4 -1.5 33.1 37.1 International 7.0 +1.2 6.9 + 1.1 0.0 + 0.1 0.0 + 0.0 20.2 Non-interest income 23.6 - 4.6 17.1 - 4.9 2.0 + 0.1 4.6 + 0.2 Net fees and commissions 19.9 +1.4 14.2 +0.4 1.6 + 0.2 4.1 + 0.7 Supecified trade income 3.5 -0.8 2.8 - 0.5 0.3 - 0.1 0.4 -0.3 FY11 FY12 FY13 P:FY14 Bond-related income 0.2 - 5.2 0.2 - 4.9 0.0 +0.0 0.0 -0.3 Overhead expenses 99.9 - 0.9 65.2 - 0.1 13.7 - 0.7 21.0 -0.1 Kumamoto Bank Core business profit Actual Business Profit 72.3 - 8.1 57.4 - 7.5 6.5 + 0.5 8.3 - 1.1 Net income Transfer to general reserve for 0.0 - 13.5 0.0 - 6.4 0.0 -3.0 0.0 - 4.1 possible loan losses 7.6 6.4 6.6 Business profit 72.3 + 5.4 57.4 - 1.0 6.5 + 3.5 8.3 + 3.0 6.0 6.0 6.5 5.0 Core business profit 72.0 - 2.9 57.2 - 2.6 6.5 + 0.5 8.3 - 0.8 Other operating profit (loss) - 2.7 - 2.5 - 1.5 - 2.9 - 1.2 + 0.6 -0.1 -0.2 1.6 Other operating profit(loss) 69.5 2.9 55.9 - 4.0 5.3 + 4.1 8.3 + 2.8 Ordinary profit - 2.6 - 1.9 - 1.7 - 1.3 -0.1 -0.0 -0.8 -0.6 FY11 FY12 FY13 P:FY14 Net income 50.0 - 0.1 37.1 - 3.3 7.6 + 2.6 5.3 + 0.7 Credit cost -0.8 -9.0 -0.6 -1.8 0.2 - 2.8 -0.4 - 4.4 Shinwa Bank * Refund of deposit insurance is included in Projections for FY2014 Core business profit Net income 16.7 Profit & Loss (FFG consolidated) Actual business profit 63.8 - 8.2 Core business profit 63.2 - 2.8 Ordinary profit 59.5 + 2.5 adjustments Consolidation Net income (3 banks non-consolidated total) Amortization of goodwill 11.0 5.0 FFG non-consolidated income Subsidiary income, etc. Consolidated net income 36.0 -0.2 FFG consolidated net income FFG Fukuoka Financial Group 50.0 9.1 -9.2 -6.3 1.4 36.0 FY11 FY12 FY13 P:FY14 28 9.1 8.3 4.6 5.3 88

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