Investor Presentaiton

Targets & Strategies FFG's customer base Business corporations 210,000 Deposits only Large enterprises 160,000 Loans 50,000 Second-tier enterprises Individuals 5,400,000 Wealthy Wealthy 250,000 Housing loans 160,000 Owners Small and Business medium-sized Inheritance succession Semi-wealthy enterprises (SMEs) Micro enterprises, sole proprietors Target SMEs Owners Mass retail FFG Fukuoka Financial Group Mass retail To be your Bank of choice Consulting retail Proceed to expand and deepen business base, targeting all individual and corporate customers In particular, strengthen the core business of "owner consulting" for SME owners Also, incorporate the potential needs of customers by means of a new business model Priority initiatives Meet the needs of both corporate and individual customers, not just the lending needs Business succession, inheritance Business revitalization, M&A Stronger overseas business support Cultivate new customer needs New type of housing loans Wealth creation loans Small-lot loans collateralized real estate * GOALS Expansion of business base ➤ Expand areas/segments Revenue target ► Strengthen cross-selling + \2.0 billion* Revenue target +¥3.7 billion* Compared to 2012 Reform of earnings structure Break away from the interest rate competition ► Diversify revenue sources 12

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