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%.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8354","jir_company_name":"Fukuoka Financial Group, Inc.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-02-10","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/8354-20260210-01.pdf","jir_short_summary":"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%.","jir_summary":"### Overview of Equity Capital Composition and Capital Adequacy Ratio\nFukuoka 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%.\n\n### Changes in Capital Adequacy Ratio and Risk Management\nThe 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.","jir_financial_highlights":"Consolidated Capital Adequacy Ratio: 12.28% (Increased from 12.21% as of the end of September 2025)\nFukuoka Bank Consolidated Capital Adequacy Ratio: 11.31% (Increased from 11.03% as of the end of September 2025)\nKumamoto Bank Standalone Capital Adequacy Ratio: 11.10% (Decreased from 11.20% as of the end of September 2025)\nJuhachi-Shinwa Bank Standalone Capital Adequacy Ratio: 11.22% (Decreased from 11.31% as of the end of September 2025)\nFukuoka Chuo Bank Standalone Capital Adequacy Ratio: 12.15% (Significantly increased from 8.95% as of the end of September 2025)\nMinna no Bank Standalone Capital Adequacy Ratio: 30.18% (Decreased from 36.47% as of the end of September 2025)","jir_category":"","jir_hashtags":"#FukuokaFinancialGroup, #financial_summary, #CapitalAdequacyRatio","jir_key_figures":"Consolidated Capital Adequacy Ratio: 12.28% (as of end December 2025)\nFukuoka Bank Consolidated Capital Adequacy Ratio: 11.31% (as of end December 2025)\nFukuoka Chuo Bank Standalone Capital Adequacy Ratio: 12.15% (as of end December 2025)","jir_meta_title":"Fukuoka Financial Group Announces 12.28% Capital Adequacy Ratio as of End of Q3 Fiscal Year Ending March 2026","jir_meta_description":"Fukuoka Financial Group, Inc. discloses equity capital composition as of the end of the third quarter of fiscal year ending March 2026. Consolidated capital adequacy ratio stands at 12.28%, with Fukuoka Bank consolidated at 11.31%, and Fukuoka Chuo Bank standalone at 12.15%.","jir_og_title":"Fukuoka Financial Group Announces Q3 2026 Capital Adequacy Ratios","jir_og_description":"Disclosure of capital adequacy ratios as of the end of the third quarter of fiscal year ending March 2026. Consolidated ratio at 12.28%, Fukuoka Bank consolidated at 11.31%, Fukuoka Chuo Bank standalone at 12.15%, among others.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":7596,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-27194","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n