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Overhead Expenses FFG 68.0% 62.5% OHR Overhead 118.1 117.7 58.9% 57.8% 55.8% 55.6% 53.4% 113.8 Expenses 110.7 107.8 7,920 100.9 100.8 Employees Run-up Phase Acceleration Phase Bank of Fukuoka 6,390 FY07 FY08 FY09 FY10 FY11 FY12 FY13 * 3 banks non-consolidated total * OHR = overhead expenses / gross business profit FFG Fukuoka Financial Group To be your Bank of choice (\bil.) 61.3% 57.8% 53.8% 53.6% 51.0% 50.2% 48.5% 74.1 72.8 73.1 71.1 69.2 65.1 65.4 Kumamoto Bank Shinwa Bank 73.6% 68.6% 70.1% 68.7% 70.8% 69.0% 70.4% 17.9 17.4 16.9 16.0 15.6 14.8 14.3 91.9% 73.9% 71.6% 66.7% 65.0% 69.1% 63.4% 27.5 26.1 23.8 23.5 23.0 21.0 21.1 FY07 FY08 FY09 FY10 FY11 FY12 FY13 41

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