Regarding the Capital Adequacy Ratio at the End of the Third Quarter of the Fiscal Year Ending March 2026

Overview of Capital Adequacy Ratio

Fukuoka Financial Group, Inc.'s capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 (end of December 2025) stood at 12.28%, reflecting an increase of 0.07% compared to the end of September 2025. Capital amounted to 991.9 billion yen, risk assets to 8,074.3 billion yen, and the total required capital was 645.9 billion yen. Major group banks posted the following capital adequacy ratios: Fukuoka Bank at 11.31% (consolidated), Kumamoto Bank at 11.10% (non-consolidated), Juhachi-Shinwa Bank at 11.22% (non-consolidated), Fukuoka Chuo Bank at 12.15% (non-consolidated), and Minna no Bank at 30.18% (non-consolidated).

Trends in Capital Adequacy Ratios and Credit Risk Assessments of Each Bank

Fukuoka Bank's capital adequacy ratio increased by 0.28%, maintaining a solid trend, whereas Kumamoto Bank and Juhachi-Shinwa Bank saw decreases of 0.10% and 0.09%, respectively. Fukuoka Chuo Bank showed a significant increase of 3.20%, while Minna no Bank decreased by 6.29%. Credit risk evaluations are conducted using advanced internal rating methods, foundational internal rating methods, and standardized approaches as applicable to each bank. These figures are key indicators of financial soundness and warrant continued monitoring by investors.