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Investor Presentaiton

Land Price Trends To be your Bank of choice Volatility of standard land prices in major cities in Fukuoka Pref. Volatility of standard land prices <Published Land Prices for 2014> Residential land Commercial land 2013 2014 2013 2014 (Unit: %) Residential land Commercial land Fukuoka City Kitakyushu City 0.7 1.8 2.3 3.4 - 1.6 - 1.2 - 2.5 - 1.8 2013 2014 Change 2013 2014 Change Japan - 1.8 - 1.2 0.6 -2.1 - 1.1 1.0 Volatility of standard land prices in major cities in Kumamoto Pref. 3 major metropolitan areas -0.1 0.5 0.6 0.6 1.7 1.1 Local areas - 2.5 - 1.8 0.7 - 3.1 - 2.2 0.9 Residential land Fukuoka - 1.4 -0.8 0.6 - 1.7 - 1.0 0.7 2013 2014 Kumamoto City -0.2 0.4 Commercial land 2014 2013 - 1.2 -0.3 Saga - 3.5 - 2.8 0.7 - 4.6 - 3.4 1.2 Nagasaki - 3.1 - 2.5 0.6 - 3.2 - 2.4 0.8 Kumamoto - 1.7 - 1.1 0.6 - 2.6 - 1.8 0.8 Volatility of standard land prices in major cities in Nagasaki Pref. Oita -2.4 - 1.7 0.7 - 3.3 - 2.5 0.8 Miyazaki - 1.6 - 1.3 0.3 - 3.2 - 2.8 0.4 Residential land Commercial land Kagoshima - 3.1 - 2.9 0.2 -4.2 - 3.8 0.4 2013 2014 2013 2014 Yamaguchi - 3.8 - 3.0 0.8 - 4.9 - 3.8 1.1 Nagasaki City - 2.7 - 2.0 - 0.9 0.2 Sasebo City - 3.0 - 2.1 - 3.8 - 2.8 FFG Fukuoka Financial Group Source: Ministry of Land, Infrastructure, Transport and Tourism 52 54
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