Fukuoka Financial Group (8354) investor relations material

Executive summary

• Consolidated core business profit for FY2025 was ¥151.7 billion, up ¥32.6 billion year-over-year and ¥23.3 billion above projection, driven by higher domestic net interest and Minna Bank system sales.

• Consolidated net income reached ¥85.4 billion, up ¥13.3 billion year-over-year and ¥5.4 billion above projection, despite increased credit costs.

• Ordinary income rose 36.3% year-over-year to ¥621.2 billion, with net income attributable to owners up 18.4% to ¥85.4 billion.

• Comprehensive income swung from a loss of ¥67.9 billion to a gain of ¥177.0 billion year-over-year.

• All subsidiary banks reported higher core business profit and net income compared to the previous year.

Financial highlights

• Core gross business profit increased by ¥45.1 billion year-over-year, mainly from domestic net interest and Minna Bank-related revenue.

• Ordinary profit increased 16.4% year-over-year to ¥120.6 billion.

• Net income per share was ¥451.99, up from ¥381.54 year-over-year.

• Total assets grew 4.0% to ¥33.56 trillion, and net assets rose 15.8% to ¥1.08 trillion.

• Dividend per share for FY2025 was ¥180, with a payout ratio of 39.8%.

Outlook and guidance

• FY2026 consolidated net income projected at ¥100.0 billion; annual dividend per share projected at ¥210.

• FY2026 guidance projects ordinary profit of ¥149.5 billion (+24.0% YoY) and net income attributable to owners of ¥100.0 billion (+17.1% YoY).

• Profit target under the 8th Medium-Term Management Plan (¥100.0 billion in FY2027) expected to be achieved one year early.

• Interim FY2026 projections: ordinary profit ¥72.0 billion, net income attributable to owners ¥48.0 billion.