Investor Presentaiton
To be your Bank of choice
Breakdown of Loans and Deposits & CDs By Interest Rate
Domestic Loans (As of Sep. 30, 2014)
Domestic Deposits (As of Sep. 30, 2014)
3 banks'
total
Bank of
Fukuoka
Kumamoto
Bank
Shinwa
3 banks'
total
Bank
Bank of
Fukuoka
Kumamoto Shinwa
Bank
Bank
Based on short-
8.0%
7.5%
10.5%
8.9%
Interest
46.2%
50.1%
36.1%
37.1%
term prime rate
Non-interest
10.3%
10.9%
5.7%
11.0%
Short-term
8.5%
9.9%
3.1%
5.2%
spread
Floating deposit
56.5%
60.9%
41.8%
48.1%
Short-term loan
16.5%
17.4%
13.5%
14.1%
Core deposit
29.4%
27.3%
42.4%
29.3%
Based on
flexible prime
25.9%
23.7%
42.4%
24.6%
Large
8.4%
6.4%
8.5%
16.3%
rate
deposit
Money
Time and
13.9%
15.9%
3.9%
10.9%
37.8%
33.8%
50.9%
45.6%
market loan
savings deposit
Long-term
Negotiable
39.8%
39.6%
46.3%
35.4%
5.7%
5.3%
7.3%
6.3%
fluctuation
deposit
fixed-rate
Time and saving
mortgage
9.7%
9.7%
7.0%
11.7%
deposit &
43.5%
39.1%
58.2%
51.9%
loan
Negotiable deposit
Long-term fixed
43.8%
43.0%
40.2%
50.5%
Total
100.0%
100.0%
100.0%
100.0%
Long-term loan
83.5%
82.6%
86.5%
85.9%
Total
100.0%
100.0%
100.0%
100.0%
FFG Fukuoka Financial Group
37
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