Investor Presentaiton

To be your Bank of choice Net Income FY2013 (\bil.) 60.7 Before amortization of goodwill (¥9.2bil per year) 46.7 46.4 45.3 36.2 140 120 Comparison with major regional banks Core Business Profit FY2013 113.5 (\bil.) 70 60 50 100 50 50 74.9 65.6 80 62.8 40 40 60 30 34.7 40 20 20 20 0 Yokohama 100 EPS FY 2013 10 25.0 0 FFG Chiba Shizuoka Joyo Yokohama Shizuoka Chiba FFG Joyo (yen) ROE FY2013 10 (%) Left : ROE Right: ROTE 7.2 8 6.6 6.9 6.4 6.7 5.9 6.1 74.12 80 54.29 60 46.78 52.4 6 41.82 33.52 4 10 40 20 2 5.3 5.0 4.4 0 Joyo Yokohama Chiba Shizuoka Joyo FFG 0 Shizuoka Chiba Yokohama FFG FFG Fukuoka Financial Group Core business profit is 3 banks' total. Others are consolidated. 25 25

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