Disclosure Regarding the Composition of Equity Capital as of the End of the Third Quarter of Fiscal Year Ending March 2026

Overview of Equity Capital Composition and Capital Adequacy Ratio

Fukuoka Financial Group, Inc. disclosed the composition of its equity capital as of the end of the third quarter of the fiscal year ending March 2026 (end of December 2025) in accordance with Financial Services Agency Notification No. 7. On a consolidated basis, equity capital amounted to 1,038.28 billion yen and risk assets totaled 8,743.8383 billion yen, resulting in a consolidated capital adequacy ratio of 12.28%. By subsidiary, Fukuoka Bank consolidated equity capital was 703.728 billion yen with a capital adequacy ratio of 11.31%, Kumamoto Bank standalone had equity capital of 88.273 billion yen and a capital adequacy ratio of 11.10%, Juhachi-Shinwa Bank standalone had equity capital of 223.371 billion yen with a ratio of 11.22%, Fukuoka Chuo Bank standalone had equity capital of 35.288 billion yen with a ratio of 12.15%, and Minna no Bank standalone held equity capital of 9.028 billion yen with a ratio of 30.18%.

Changes in Capital Adequacy Ratio and Risk Management

The consolidated capital adequacy ratio rose by 0.07 points from 12.21% in the previous quarter, with Fukuoka Bank consolidated improving from 11.03% to 11.31%. In contrast, Kumamoto Bank standalone and Juhachi-Shinwa Bank standalone showed slight decreases. Fukuoka Chuo Bank standalone significantly improved from 8.95% to 12.15%, while Minna no Bank standalone decreased from 36.47% to 30.18%. Credit risk assets were calculated using advanced internal ratings-based approach, foundation internal ratings-based approach, and standardized approach, demonstrating appropriate risk management.