Fukuoka Financial Group (8354) investor relations material

Group overview and market position

• Largest wide-area regional financial group in Japan, based in Kyushu, with total assets of ¥33.6 trillion, deposits of ¥21.9 trillion, and loans of ¥20.3 trillion as of August 2026.

• Operates multiple banks and subsidiaries, including digital-focused Minna Bank, with a strong presence in Fukuoka, Kumamoto, and Nagasaki.

• Holds the top market share in deposits and loans in Northern Kyushu, serving 6.6 million individuals and 280,000 corporate clients.

• Listed on the Tokyo Stock Exchange Prime Market with a market cap of approximately ¥1.5 trillion.

Strategic growth and regional opportunities

• Kyushu is a focal point for Japan's national growth strategy, with over ¥370 trillion in public and private investment across 17 sectors, 15 of which are clustered in Kyushu.

• Major industrial clusters include semiconductors, shipbuilding, GX (green transformation), aerospace, and data centers, with significant infrastructure development as a gateway to Asia.

• FFG leverages its extensive customer base and regional networks to connect companies, talent, and capital, supporting local business growth.

Business model and solution capabilities

• Provides diverse financial and non-financial solutions tailored to customer growth phases, including lending, M&A, equity investment, structured finance, and wealth management.

• Deepens primary banking relationships by addressing customer challenges, such as business revitalization, succession, and asset formation.

• Demonstrated growth in structured finance and investment trust assets, with a focus on supporting regional industrial revitalization.