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Investor Presentaiton

Financial results for FY2013 Profit & Loss (3 banks' total) To be your Bank of choice Point1 Core Business Profit decreased in three accounting period, exceed the projection Net interest income decreased ¥2.5 billion due to a decline in return of interest, rate of diminution decreased from the previous period of ¥4.7 billion. Core business profit exceed the projection of ¥2.4 billion due to the refund of deposit insurance, profit distributions of fund, and decline in interest expense for subordinated loan Point2 Credit cost is on a low level Credit cost is on a low level while maintaining a conservative policy on reserve. Other operating loss is investment and expense for the future Prepare for Basel III, prepay a part of former raising capital (penalty amount ¥3.2 billion) ¥2.5 billion of system cost for renewal ATM and all that. Consolidated net income was a record high Consolidated net income stood at a record high in two consecutive years. In addition to above factors, extraordinary loss decreased as partial cancellation of retirement benefit trusts was recorded in the last accounting period. (\bil.) 3 banks non- consolidated total FY2013 YoY Chg. Bank of Fukuoka (non-consolidated) FY2013 YoY Chg. Kumamoto Bank Shinwa Bank (non-consolidated) (non-consolidated) FY2013 YoY Chg. FY2013 YoY Chg. Gross business profit 181.1 - 7.8 130.2 - 4.2 20.4 - 1.1 30.5 - 2.5 Net interest income 152.9 - 2.5 108.2 -0.0 18.6 -0.7 26.2 - 1.8 Domestic 147.2 - 3.3 102.4 - 1.0 18.6 - 0.6 26.2 - 1.7 International 5.7 + 0.8 5.8 +1.0 -0.1 -0.1 -0.0 -0.1 Non-interest income 28.2 - 5.3 22.0 - 4.1 1.8 -0.5 4.4 -0.7 Net fees and commissions 18.5 -0.5 Specified trade income 4.3 +0.9 Bond-related income 5.4 - 5.7 335 13.7 -0.5 1.4 +0.1 3.4 -0.0 3.3 + 0.6 0.4 + 0.2 0.6 +0.1 5.1 - 4.2 0.0 - 0.7 0.3 -0.8 Overhead expenses 100.8 -0.2 65.4 +0.2 14.3 - 0.5 21.1 +0.1 Actual Business Profit 80.3 - 7.7 64.9 - 4.4 6.0 -0.6 9.4 - 2.7 |Transfer to general reserve for 13.5 + 6.1 6.4 14.5 3.0 +1.8 4.1 + 4.6 possible loan losses Business profit 66.8 - 28.5 58.4 - 18.8 3.0 - 2.5 5.4 - 7.2 Core business profit Point3 74.9 - 1.9 59.8 -0.1 6.0 + 0.0 9.1 - 1.8 (except for market related profit [loss]) Other operating profit (loss) -0.2 +15.3 1.5 12.9 - 1.8 + 0.7 0.2 +1.7 Other operating profit(loss) - 5.5 - 4.5 - 3.8 - 4.5 - 1.8 -0.6 0.1 +0.6 Ordinary profit 66.6 - 13.2 59.9 - 5.9 1.2 - 1.8 5.5 - 5.5 Extraordinary profit (loss). -0.7 - 16.6 -0.4 +12.7 -0.1 +1.2 -0.2 +2.6 Income (loss) before income taxes 66.0 + 3.3 59.5 + 6.8 1.1 -0.6 5.3 - 2.9 Income taxes 15.9 - 2.0 19.1 - 0.5 - 3.9 +1.0 0.7 - 2.5 Net income 50.1 + 5.3 40.4 + 7.9 5.0 - 1.6 4.6 -0.4 Credit cost 8.2 +1.1 1.2 - 2.9 3.0 + 0.6 4.0 + 3.5 Point4 Profit & Loss (FFG consolidated) Gross business profit 193.1 -6.6 Actual business profit 71.9 - 7.6 Core business profit 65.9 - 2.1 Ordinary profit 57.0 - 11.8 Consolidated net income 36.2 + 4.1 FFG Fukuoka Financial Group adjustments Consolidation Net income (3 banks non-consolidated total) Amortization of goodwill 50.1 -9.2 Subsidiary income 0.7 FFG non-consolidated income,etc -6.2 Others 0.8 FFG consolidated net income 36.2 27
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