#CapitalAdequacyRatio

As of the end of December 2025, the consolidated capital adequacy ratio stood at 16.10%, the consolidated leverage ratio was 5.03%, and the external TLAC ratio on a risk asset basis was 27.23%.

From the end of March 2026, the method for calculating the capital adequacy ratio will change: the credit risk calculation approach will switch from the standardized approach to the foundation internal ratings-based approach, and the operational risk equivalent amount calculation method will change from an ILM specified value of 1 to a multiplier calculated from internal loss data.

From the end of March 2026, the calculation method of the capital adequacy ratio will be changed from the standardized approach to the foundation internal rating-based approach, with approval from the Financial Services Agency.

From the end of March 2026, the credit risk measurement method for calculating the capital adequacy ratio will be changed from the "Standardized Approach" to the "Basic Internal Ratings-Based Approach," with approval from the Financial Services Agency, and application will commence.

The consolidated domestic capital adequacy ratio for the third quarter of the fiscal year ending March 2026 was 10.47%, and the CET1 ratio was 9.1%.

The consolidated capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 was 12.61%, and the standalone ratio was 12.28%, representing decreases of 0.22% and 0.20% respectively from the previous quarter.

As of the end of December 2025, the consolidated capital adequacy ratio was 11.72%, and the non-consolidated ratio was 11.27%, representing a decrease of 0.29 points consolidated and 0.30 points non-consolidated from the previous quarter.

The consolidated capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 was 8.08% (an increase of 0.03 points from the previous quarter), Fukui Bank alone was 8.32% (a decrease of 0.01 points), and Fukui Hoku Bank alone was 5.54% (an increase of 0.16 points).

The consolidated total capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 was 14.43%, and the standalone ratio was 14.09%, increasing by 0.81 and 0.75 points respectively year-over-year.

As of the end of the third quarter of the fiscal year ending March 2026 (end of December 2025), the consolidated capital adequacy ratio was 11.96%, Kyoto Bank consolidated ratio was 11.41%, and Kyoto Bank on a non-consolidated basis was 11.10%, remaining flat or slightly increased compared to the end of September.

As of the end of the third quarter of the fiscal year ending March 2026, the consolidated capital adequacy ratio of Fukuoka Financial Group, Inc. was 12.28%. The consolidated ratio for Fukuoka Bank was 11.31%, Kumamoto Bank standalone 11.10%, Juhachi-Shinwa Bank standalone 11.22%, Fukuoka Chuo Bank standalone 12.15%, and Minna no Bank standalone 30.18%.

The consolidated capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 was 12.66% (an increase of 0.29% from the previous quarter).