Investor Presentaiton

Deposits & CDs Growth FFG +1.7 trillion yen 10,242.9 10,218.5 (-0.2%) 10,299.9 (0.8%) 10,651.5 10,880.3 (2.1%) (3.4%) 11,271.1 (3.6%) * Run-up phase Average annual rate : 0.5% Acceleration phase Average annual rate : 3.0% 11,984.3 (6.3%) FY09 FY10 FY11 FY12 FY13 FY07 FY08 3 banks' total of Deposit & CD * Average loan balance * ( ):Annual rate FFG Fukuoka Financial Group Bank of Fukuoka Kumamoto Bank Shinwa Bank To be your Bank of choice (\bil.) 7,648 7,794 6,993 7,189 7,334 (2.8%) (2.0%) (4.3%) (1.9%) 8,073 (3.6%) 8,537 (5.8%) 1,257.1 1,169.5 (7.9%) 1,165.1 1,126.6 1,102.1 1,099.1 1,080.1 (-5.8%) (-2.0%) (1.8%) (2.5%) (3.4%) 2,080.9 2,189.7 (7.7%) 2,033.4 1,927.1 (-7.4%) 1,904.3 1,885.5 (-2.2%) (1.0%) 1,960.2 (2.9%) (3.7%) FY07 FY08 FY09 FY10 FY11 FY12 FY13 383 33

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