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

Overview of Capital Adequacy Ratio

At the end of the third quarter of the fiscal year ending March 2026 (end of December 2025), the consolidated capital adequacy ratio was 8.08%, up 0.03 points from 8.05% at the previous quarter-end. The amount of consolidated capital was 138.4 billion yen, increasing by 2.8 billion yen; risk assets amounted to 1,711.5 billion yen, up 27.6 billion yen. The capital adequacy ratio for Fukui Bank alone was 8.32%, decreasing by 0.01 points from the previous quarter, but the capital amount increased by 2.5 billion yen to 122.9 billion yen. Meanwhile, Fukui Hoku Bank’s standalone capital adequacy ratio rose to 5.54%, an increase of 0.16 points from the previous quarter.

Impact on Investors and Future Outlook

The stable trend in the capital adequacy ratio indicates maintenance of financial soundness, with capital enhancement confirmed due to an increase in risk assets. Although a slight decline in ratio was observed for Fukui Bank alone, the capital base overall remains solid. The company is expected to continue focusing on capital adequacy ratio management and strengthen compliance with financial regulations and risk management going forward.