Investor Presentaiton

Capital Adequacy Ratio To be your Bank of choice Capital adequacy ratio (FFG consolidated) Breakdown of the capital (FFG consolidated) (\bil.) (\ bil. %) Items Sep.14 Basel II Basel III Fundamental items 759.0 800 700 Capital adequacy ratio Capital stock (Common stock) 577.5 Reserves 14.7 600 12.26 Transitional measure 10.84 10.98 Preferred stock (Bond type) 9.4 Preferred securities Former 25.0 Capital Subordinated debt 92.5 10.28 Revaluation reserve for land 33.6 9.84 500 High-9% Others 6.3 Tier II Adjusting items -117.7 8.36 400 Tier I ratio 6.92 300 6.70 Goodwill -111.7 Fully adopted Deferred tax assets (-4.5) 6.30 6.48 Assets related to retirement benefits X(-13.4) Mid-6% A Core Capital 641.3 200 Risk Asset 6,511.3 Excluded due to transitional measure 100 0 Tier I Mar.11 Mar.12 Domestic Standard Mar.13 Credit risk measurement: Foundation IRB * Operational risk measurement: Standardized approach FFG Fukuoka Financial Group Core Capital Mar. 14 Sep.14 Mar.15 Plan 【Reference】 Basel International Standard (Sep.14) Common Equity Tier1 ratio X Preliminary calculation as fully adopted 8.6% 45 55

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