Investor Presentaiton

Loans (By Bank) * Bank of Fukuoka Excluding loans to FFG Kumamoto Bank Excluding subordinated beneficial interests To be your Bank of choice Shinwa Bank * Excluding subordinated beneficial interests 6,759.5 1,370.7 6,029.9 6,107.1 6,549.5 6,348.5 918.6 974.4 1,276.0 885 954 842.9 884.2 1,195.9 845.7 1,139.5 1,133.7 222 979 84 865 933 216 74 Public 35 67 216 47 183 1,900 207 1,636 1,687 1,736 1,805 349 421 Retail 282 289 302 323 405 320 373 347 by customer segment Average loan balance Corporate 3,529 3,487 3,634 3,791 3,975 728 525 509 515 522 542 637 581 607 656 (\bil.) FY09 FY10 FY11 FY12 FY13 FY09 FY10 FY11 FY12 FY13 FY09 FY10 FY11 FY12 FY13 1,370.7 6,029.9 6,107.1 6,348.5 6,549.5 6,759.5 974.4 1,276.0 884.2 918.6 1,195.9 872 842.9 845.7 39 1,139.5 1,133.7 160 806 739 37 130 73 39 122 Honshu 710 704 353 63 330 318 87 40 39 127 112 298 299 92 97 57 107 100 103 98 45 51 121 112 106 & Other Kyushu Nagasaki Kumamoto 4,789 Average loan balance by region (\bil.) Fukuoka 931 898 875 760 768 807 844 752 821 773 4,891 5,088 5,224 5,351 43 39 39 37 38 216 197 196 207 207 FY09 FY10 FY11 FY12 FY13 FY09 FY10 FY11 FY12 FY13 FY09 FY10 FY11 FY12 FY13 FFG Fukuoka Financial Group 31

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