Fukuoka Financial Group (8354) investor relations material

Executive summary

• Consolidated core business profit reached ¥101.1 billion, up ¥13.2 billion year-over-year, achieving 78.8% of the annual projection.

• Ordinary income rose 18.5% year-over-year to ¥401.9 billion for the nine months ended December 31, 2025, with ordinary profit up 15.7% to ¥99.97 billion and net income attributable to owners of the parent up 15.8% to ¥70.35 billion.

• Consolidated net income was ¥70.3 billion, up ¥9.6 billion year-over-year, representing 87.9% progress toward the annual projection.

• Comprehensive income swung from a loss of ¥17.85 billion to a gain of ¥152.3 billion year-over-year, reflecting improved market conditions and valuation gains.

• Core gross business profit rose by ¥22.6 billion, driven by higher domestic net interest and external system sales from Minna Bank.

Financial highlights

• Core gross business profit (consolidated) was ¥228.9 billion, up ¥22.6 billion year-over-year.

• Net income per share increased to ¥372.17 from ¥321.24 year-over-year.

• Total assets grew to ¥34.01 trillion from ¥32.26 trillion as of March 31, 2025.

• Overhead expenses increased by ¥9.5 billion, mainly due to higher base pay and DX-related investments.

• Net interest income increased to ¥194.3 billion, up ¥17.6 billion year-over-year.

Outlook and guidance

• Consolidated net income projection revised upward to ¥85.0 billion from ¥80.0 billion.

• Full-year FY2025 ordinary profit is projected at ¥124.0 billion, up 19.7% year-over-year, with net income attributable to owners of the parent forecast at ¥85.0 billion, up 17.8%.

• Year-end dividend per share forecast raised to ¥95 from ¥85, with annual DPS up to ¥180.

• Net income per share for the full year is projected at ¥449.72.

• Upward revision reflects strong core business profit and net interest income trends.