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Investor Presentaiton

Corporate History To be your Bank of choice Main Event 2007 Apr. Establishment of FFG 2008 2009 2010 2011 Oct. Integration of Shinwa Bank management Sep. Collapse of Lehman Brothers Jan. Integration of Kumamoto Family Bank IT system Feb. Demerger Jan. Integration of Shinwa Bank IT system Mar. Great East Japan Earthquake Oct. Establishment of NY Rep. Office Dec. Establishment of SGP Rep. Office Stage Basic Concept / Theme New Growth Strategy Run-up Phase (Adjustment) Broad-Area based Preparation for growth Preparation of management infrastructure Acceleration Phase (Cruising Speed) Improvement of B/S Switch to a growth trend Thorough utilization of management infrastructure An expansion of business scale 2012 Mar. Establishment of BKK Rep. Office 2013 2014 2015 Apr. Integration of local securities company as subsidiary Apr. Kumamoto Family Bank changed its trade name to Kumamoto Bank Significant Growth We are Here Phase (High Speed) Switch to a stable earnings structure Structural reforms A significant expansion of business base FFG Fukuoka Financial Group 21 21
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