Investor Presentaiton

Market Share of Subsidiary Banks Share of loans 35% 30% Fukuoka Prefecture 50% Bank of Fukuoka 31.7% 45% 40% Kumamoto Prefecture 40% Higo bank 35% 30% To be your Bank of choice Nagasaki Prefecture 18 bank 33.6% 25% 35% Nishi-nippon City Bank 25% Shinwa bank 30% 20% Savings Unions Mega & Major 25% Savings Unions Kumamoto bank 22.5% 20% 15% 20% 15% 10% Savings Unions Share of deposit & CDs 15% 10% Mega & Major 5% 10% Mega & Major 5% 0% 0% 0% Mar.98 Mar.02 Mar.06 Mar.10 Mar. 14 Mar.98 Mar.02 Mar.06 Mar. 10 Mar. 14 Mar.98 Mar.02 Mar.06 Mar.10 Mar. 14 5% 35% 40% 40% Postal Savings 35% 35% Postal Savings Higo bank 18 bank 30% 25% Shinwa bank 24.6% Postal Savings 30% 25% Bank of Fukuoka 25.7% 30% 25% 20% Nishi-nippon City Bank 20% Savings Unions 20% 15% Savings Unions Savings Unions 15% 10% Kumamoto bank 15% 12.4% Mega & Major 10% 10% Mega & Major 5% 5% Mega & Major 0% 0% 0% Mar.98 Mar.02 Mar.06. Mar.10 Mar. 14 Mar.98 Mar.02 Mar.06 Mar. 10 Mar.98 Mar.01 Mar.04 Mar.07 Mar.10 Mar. 13 Mar.14 5% FFG Fukuoka Financial Group Source: Monthly Kinyu Journal (Including some estimates) 24 24

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