Investor Presentaiton

To be your Bank of choice Dividend Policy Adopting a performance-based dividend formula, a dividend table has been set based on a dividend payout ratio of about 30%. Annual dividend for FY2014 expected to be 12 yen. 573.7% Dividend Policy ►Adopt a performance-based dividend formula Since FY13, a table has been set based on a dividend payout ratio of about 30% [Table of target dividends] (Common stock, yen) Dividend payout ratio 31.6% 28.7% 28.8% 26.7% 27.0% 24.4% 24.5% 12 12 10 8 8 8 8 7 FFG consolidated net income Target dividend Dividend payout ratio Over 40 billion yen 13 yen Up to 28% 35-40 billion yen 12 yen 26-30% FY07 FY08 FY09 FY10 FY11 FY12 FY13 P:FY14 30-35 billion yen 11 yen 27-32% Stock indexes (Yen) 25-30 billion yen 10 yen 29-34% EPS FY07 FY08 FY09 FY10 FY13 P:FY14 1.22 25.30 32.82 29.94 32.62 37.01 41.82 41.60 FY11 FY12 20-25 billion yen 9 yen 31-39% BPS 586 588 645 15-20 billion yen 8 yen 34-46% ROE 0.3% 4.3% 5.3% 658 712 774 4.6% 4.7% 4.9% 5.2% 5.1% 798 Below 15 billion yen 7 yen At least 40% ROTE 0.4% 6.7% 7.9% 6.5% 6.5% 6.5% 6.6% 6.2% *ROTE: Return on Tangible Equity 18 FFG Fukuoka Financial Group

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