Chiba Bank, Ltd.TSE: 8331

Financial Highlights for FY2025 ended March 2026

May 15, 2026 at 7:05 AM UTC · Issued by Chiba Bank, Ltd.

The Chiba Bank website [IR Library]

Financial Highlights for FY2025 ended March 2026

May 15, 2026

Table of Contents

FY2025 Financial Results

Summary of Financial Results

Summary of Financial Results (Consolidated)

Net Interest Income

Average Balance / Yield of Loans and Bills Discounted

Balance of Loans / Deposits at Term-end Securities ①②

8-9

Purpose To create a local community better suited to bringing each person's hope to life Vision

The 16th

Net Fees and Commissions ①②③ Credit-related Expenses / FRA Claims General & Administrative Expenses

10-12

An Engagement Bank Group that works closely with the community

Mid-term Plan

Engagement

Capital Adequacy Ratio / ROE / Shareholder

Return 15

Earnings Forecast 16

DX 17

(Reference) Main measures implemented

in 2H of FY2025 18

Bank Group

~ Phase 2 ~

Plan period

April, 2026 ~ March, 2029

‌Summary of Financial Results

Policy interest rate 0.75％

FY2026

Net interest income YoY＋41.2 billion yen

Non-consolidated

(Billion yen)

FY2024

FY2025

Change

Plan

Balance of loans at term-end YoY＋6.9％

Gross business profit Net interest income

Net fees and commissions Net Trading income

Net other ordinary income Gains/losses related to bonds

G&A expenses (-)

Net business income

(before provisions to general allowance for loan losses)

Core business income

Excl. gains/losses on the cancelation of investment trusts

Net provisions to general allowance for loan losses (-)

186.5

156.7

30.8

1.1

-2.1

-6.7

89.7

96.7

103.4

100.8

2.0

216.2 29.6

198.0 41.2

32.2 1.4

0.5 -0.5

-14.6 -12.4

-19.9 -13.2

97.6 7.8

118.6 21.8

138.5 35.1

129.8 28.9

1.7 -0.3

247.0

226.9

34.0

1.3

-15.2

-18.0

107.3

139.7

157.7

139.7

2.0

Domestic operations yield of loans and bills discounted YoY＋0.27％

Net Fees and Commissions YoY＋1.4 billion yen (record high for 6 consecutive fiscal years ）
Corporate solutions-related revenue YoY +1.1 billion yen
G&A expenses YoY +7.8 billion yen (same level as planned)
Credit-related expenses YoY -0.6 billion yen (79% of projection)
Net income reached record highs for 4 consecutive fiscal years on non-consolidated and consolidated basis
Full year plan for record highs in both non-consolidated and consolidated net income

Net business income

Non-recurring gains/losses

Disposal of non-performing loans (-)

Reversal of loan loss reserves

94.6

10.3

8.1

116.8

17.6

7.8

22.1

7.3

-0.3

137.7

12.7

10.5

Breakdown of Profit Attributable to Owners of Parent

(non-consolidated + difference between consolidated and non-consolidated results)

Gains/losses related to stocks, etc.

Ordinary profit

18.1

105.0

27.0

134.5

8.8

29.5

22.5

150.4

(Billion yen)

Net interest income

+41.2

Net trading income / Net other ordinary income

-12.9

G&A

Extraordinary gains/losses

-0.6

-2.8

-2.2

-0.3

Net fees and

expenses Credit-related

Dif. between

Credit-related expenses (-)

10.2

9.5

-0.6

Net income

74.2

92.3

18.1

105.8

commissions

12.5

+1.4

-7.8

expenses

+0.6

consolidated and non-consolidated

Interest on domestic loans and deposits ＋20.4 Interest and dividends on domestic securities +14.1

94.0

FY2026

Plan

154.3

107.0

+1.6

Consolidated (Billion yen)	FY2024	FY2025
Consolidated (Billion yen)	FY2024	FY2025	Change
Ordinary profit	107.5	138.8	31.3
Profit attributable to owners of parent	74.2	94.0	19.8

Consolidated net business income

(before provisions to general allowance for loan losses)

104.7

128.9

24.2

148.9

(Ref.)

74.2

Other

-4.4

Gains/losses related to stocks, etc.+8.8 Corporate income taxes(-) -9.1

FY2024 FY2025 3

‌Summary of Financial Results (Consolidated)

Consolidated (Billion yen)			FY2024
Consolidated (Billion yen)			FY2024	FY2025	Change
	Consolidated net revenue		192.2	223.2	31.0
		Net interest income	152.6	194.7	42.1
		Net fees and commissions	40.6	42.5	1.8
		Net trading income	1.1	0.5	-0.5
		Net other ordinary income	-2.1	-14.5	-12.4
	G&A expenses (-)		96.7	104.8	8.1
	Credit-related expenses (-)		10.8	9.7	-1.0
		Net provisions to general allowance for loan losses (-)	2.2	2.1	-0.0
		Disposal of non-performing loans (-)	8.5	7.5	-0.9
	Gains/losses related to stocks, etc.		19.6	27.6	7.9
	Gains/losses on equity-method investments		0.4	0.6	0.1
	Other		2.7	1.9	-0.7
	Ordinary profit		107.5	138.8	31.3
	Extraordinary gains/losses		-0.6	-2.7	-2.0
	Net income pre-tax adjustment		106.8	136.1	29.2
	Total corporate income taxes (-)		32.5	42.0	9.4
	Net income		74.2	94.0	19.8
	Profit attributable to non-controlling interests		-	-	-
	Profit attributable to owners of parent		74.2	94.0	19.8
(Ref.)
	Consolidated net business income (before provisions to general allowance for loan losses)		104.7	128.9	24.2

Subsidiaries

*Showing profit/loss after reclassification for consolidated financial statements

[Consolidated subsidiaries]				(Billion yen)
Company name	Investment ratio (including indirect)	Profit items (after deduction of inter-subsidiary dividends)	FY2024	FY2025
Company name	Investment ratio (including indirect)		FY2024		Change
Chibagin Securities Co., Ltd.	100%	Ordinary profit	-0.0	0.1	0.1
Chibagin Securities Co., Ltd.	100%	Net income	-0.0	-0.0	0.0
Chibagin Leasing Co., Ltd.	100%	Ordinary profit	0.7	1.1	0.3
Chibagin Leasing Co., Ltd.	100%	Net income	0.5	0.7	0.2
Chibagin Guarantee Co., Ltd.	100%	Ordinary profit	5.7	5.7	0.0
Chibagin Guarantee Co., Ltd.	100%	Net income	3.8	3.8	0.0
Chibagin Card Co., Ltd.	100%	Ordinary profit	0.3	0.1	-0.2
Chibagin Card Co., Ltd.	100%	Net income	0.2	0.0	-0.1
Total of 5 other companies*	100%	Ordinary profit	0.3	0.6	0.2
Total of 5 other companies*	100%	Net income	0.2	0.6	0.4
Total of 9 companies		Ordinary profit	7.2	7.8	0.5
Total of 9 companies		Net income	4.8	5.2	0.4
*In December 2024, acquisition of EDGE Technology as a wholly owned subsidiary [Equity method subsidiaries]
Total of 6 companies		Net income according to equity method	0.4	0.6	0.1

		Dividends to parent company (-)	4.6	3.7	-0.9
		Dif. between consolidated and non-consolidated*	0.0	1.7	1.6
*After adjusting for unrealized gains, etc.

‌Net Interest Income

(Billion yen)					FY2024	FY2025
							Change
Net interest income					156.7	198.0	41.2
	Domestic				149.8	186.1	36.3
		Interest on loans and deposits			110.4	130.8	20.4
			Loans and bills discounted		120.3	162.2	41.9
			Deposits incl. NCDs (-)		9.8	31.3	21.5
		Interest and dividends on securities			32.4	46.5	14.1
			Bonds		7.7	12.2	4.5
			Stock dividends		12.1	12.2	0.0
			Investment funds		2.8	3.9	1.0
			Investment trusts		9.5	18.0	8.4
				Gains on cancellations	2.1	7.2	5.0
		Other (market operations, etc.)			6.9	8.7	1.7
	Overseas				6.9	11.8	4.9
		Loans and bills discounted			30.3	31.8	1.5
		Foreign securities			33.3	39.9	6.6
			Foreign securities		30.6	36.0	5.4
			Foreign currency funds		1.7	1.9	0.1
			Investment trusts		0.8	1.9	1.0
				Gains on cancelations	0.4	1.5	1.0
		Other (funding, market operations, etc.)			-56.7	-60.0	-3.2

	Net interest income (excluding gains on the cancellation of investment trusts)				154.1	189.2	35.0
	Gains on the cancellation of investment trusts				2.6	8.7	6.1

(Billion yen)

Net interest income

198.0

156.7

11.8

【Year-on-year】

Overseas

+71.2％

〔Total〕+26.3％

140.3

131.8

8.8 4.4

6.9

136.6

39.4

55.2

8.1

25.1

98.5

31.2

100.2

28.0

104.2

Domestic interest and dividends on securities, other

+40.3％

110.4

130.8

Domestic interest on loans and deposits

+18.4%

FY2021 FY2022 FY2023 FY2024 FY2025

Loans yield factors

Factors behind change in domestic interest on loans and deposits (year-on-year)

(Billion yen)

+4.1 +4.1

+1.3

+3.9

+1.7

+3.9

+11.4

+6.2

+4.3

+33.6

+20.4

Total

Loans volume factors

Deposit+0.1 Deposit+0.2 Deposit+0.0

-2.9 -2.6 Yield +0.0

-21.5

+8.3

Deposit factors

-9.5

FY2021 FY2022 FY2023 FY2024 FY2025

‌Average Balance / Yield of Loans and Bills Discounted

Domestic Operations

Overseas Operations

Average balance / yield of loans and bills discounted

* ① "Yield on loans and bills discounted" and ②" Yield on deposits" (which includes NCDs) are rounded down to the second decimal place. "Difference between average yield on loans and deposits" is the difference between ① and ②.

Average balance / yield of loans and bills discounted

(Billion yen)

0.89% 0.87% 0.87%

0.96%

1.23%

1.04%

【Year-on-year】

Average yield on loans and bills discounted

3.20%

5.31%

5.14% 4.63%

【Year-on-year】

Average yield on loans and bills discounted

0.89%

0.87%

0.87% 0.90%

12,434.2 13,108.0

+0.27%

Difference

between average yield

1.06%

-0.51%

Difference between

11,048.2 11,529.1 11,986.3

FY2021 FY2022 FY2023 FY2024 FY2025

Excluding Ministry of Finance loans

on loans and deposits*

Average balance of loans and bills discounted

+5.4％

+0.14%

0.97% 1.06% 0.56% 0.59% 0.89%

(Billion yen)

average yield

on loans and deposits*

+0.30%

Avg. balance	10,844.0	11,276.1	11,782.2	12,244.1	12,822.8
Yield	0.91%	0.89%	0.88%	0.97%	1.25%

Domestic Operations

Quarterly Trend in Yield on Loans and Deposits

Yield on loans

406.2

422.7

Average balance of loans and bills discounted

+16.9％

510.1

589.1

688.7

0.89%

0.96％

0.92% 0.97% 1.07%

1.15%

1.21% 1.24% 1.33%

1.09％

0.24%

Difference between yield on loans and

FY2021 FY2022 FY2023 FY2024 FY2025

0.01% 0.03%

0.08% 0.11%

0.17% 0.18% 0.19%

deposits

USD 1

JPY122.39

JPY133.53

JPY151.41

JPY149.52

JPY159.88

Yield on deposits

【Reference】Exchange rate（Telegraphic Transfer Middle Rate at the end of month）

FY2024 1Q

FY2024 2Q

FY2024 3Q

FY2024 4Q

FY2025 1Q

FY2025 2Q

FY2025 3Q

FY2025 4Q

incl. NCDs

‌Balance of Loans / Deposits at Term-end

(Billion yen)

Balance of loans at term-end

13,233.3

14,147.7

590.9

12,768.0

358.6

【As compared to March 31, 2025】

Overseas operations

+24.0％

Public sector

+0.0％

Other consumer loans

+8.1％

〔Total〕+6.9％

Balance of domestic loans at term-end (by region)

【As compared to March 31, 2025】

13,556.7

〔Total〕+6.2％

11,836.7

12,756.8

Outside Chiba Pref.

+11.2％

(Billion yen)

12,345.8

265.4

470.9

189.9

3,834.3

316.9

11,691.3

423.1

199.6

3,917.7

422.1

12,153.6

370.8 215.3

4,026.0

476.5

358.4 229.7

Residential loans

+5.8％

4,108.6

248.3

4,347.8

3,775.1

581.0

7,069.7

3,984.2

590.6

7,261.8

4,302.6

599.3

7,443.7

4,602.9

604.2

7,549.6

11,425.9

5,120.6

616.8

7,819.2

Of which, corporate loans

＋10.4％

Chiba Pref. (regional revitalization areas)

+2.0％

Of which, corporate loans

+2.6％

Chiba Pref. (growth areas)

+3.5％

Of which, corporate loans

6,370.6

6,748.5

3/2022 3/2023 3/2024 3/2025 3/2026

Balance of deposits at term-end

15,951.6

16,268.7

16,851.4

(Billion yen)

15,424.4

SMEs

+5.9％

548.4

＋3.8％

Overseas operations, JOM accounts

+4.7％

〔

【As compared to March 31, 2025】 Total〕+3.5％

5,426.3

5,753.7

6,098.0

266.5

982.0

332.7

Public sector

+19.2％

14,787.6

1,117.7

404.2 523.3

1,161.7 1,070.5

1,276.7

Large/mid-sized corporations

+9.7％

3,003.7 3,055.5

3,174.8 3,279.3 3,442.7

1,504.2

1,542.4

1,635.6

1,689.3

1,853.3

10,535.3

Corporate

+4.9％

10,918.3 11,210.7 11,395.5 11,583.6

Retail

+1.6％

3/2022 3/2023 3/2024 3/2025 3/2026

3/2022 3/2023 3/2024 3/2025 3/2026 7

‌Securities ①

(Billion yen)			FY2024
(Billion yen)			FY2024	FY2025	Change
Interest income on securities			65.7	86.4	20.7
	Bonds		38.4	48.3	9.9
		Domestic	7.7	12.2	4.5
		Overseas	30.6	36.0	5.4
	Stocks		12.1	12.2	0.0
	Investment trusts, etc.		15.1	25.8	10.7
		Gains/losses from investment trust cancellations	2.6	8.7	6.1

Balance*1 / Average remaining maturity*2 of securities Gains/losses on securities

*1 Excluding unrealized gains/losses

*2 After hedging via asset swaps

5.2

4.1 4.3

2.7

3.4 3.1

【As compared to March 31, 2025】 Average remaining maturity of

(Years)

(Billion yen)

2.0 2.0 1.9 2.1

3,345.1

3,065.9

2,673.2

1,013.9

2,452.3

731.2

yen bonds

-0.2 years

Average remaining

〔Tmoatatul〕r+it5y.9o％f foreign bonds

Gains/loses related to bonds (Government bonds, etc.)		-6.7	-19.9	-13.2
	Gains on sales	0.9	0.7	-0.1
	Losses on sales (-)	6.7	19.2	12.5
	Redemptions (-)	0.9	1.4	0.5

+0.1 years

〔Total〕+9.1％

165.8

366.7

561.9

540.1

105.0

282.7

2,315.1

310.8

546.3

553.2

101.0

425.7

269.2

525.9

549.7

97.6

267.2

473.3

628.8

123.2

220.1

416.7

602.7

116.3

Government

bonds

+38.6％

Municipal

bonds

-17.6%

Corporate bonds, etc.

-11.9％

Investment trusts, etc.

-4.1％

Stocks

-5.5％

Foreign currency securities

+15.8%

(Billion yen)

Gains/losses related to stocks, etc.		18.1	27.0	8.8
	Gains on sales	19.6	28.0	8.3
	Losses on sales (-)	1.5	0.5	-0.9
	Redemptions (-)	0.0	0.4	0.4

10 BPV

Yen bonds

-0.1

【As compared to March 31, 2025】

575.4

658.1

804.9

842.0

975.2

5.2 4.2 4.7 4.5 4.3

3/2022 3/2023 3/2024 3/2025 3/2026

8.6

9.3

3.0

1.4

Held-to-maturity securities

1.3

1.0

1.1 1.2 1.6

3/2022 3/2023 3/2024 3/2025 3/2026

Foreign bonds

+0.3

Securities ②

Unrealized gains/losses on other securities

Ratio of cross-shareholdings to consolidated net assets (excl. shares of affiliated companies)

300

250

200

150

100

*Including overseas CDs (Billion yen)

23.8

26.4

101.9

148.1

203.5

239.5

52.6

9.2

265.7

【As compared to March 31, 2025】

*Cross-shareholdings are shown on a non-consolidated basis

Other

＋43.3

20.89% 18.84% 16.09%

Total

＋28.9

(Billion yen)

125.0

Stocks

+71.0

221.2

15.61%

17.83%

224.2

【As compared to March 31, 2025】

Ratio of cross-shareholdings to consolidated net assets (Market value)

-83.5

-24.3

↑Gains

50 144.4 150.3

96.0

194.6

199.9

190.1 178.8

+2.22%

↓Losses

0 Yen -8.3

Yen -11.4

66.8

-50

-100

-150

-25.4

-167.9

Book value (billion yen)

95.9

82.1

56.6

89.2

87.3

Market value (billion yen)

232.5

211.1

201.6

199.7

244.7

Ratio of cross-shareholdings to consolidated net assets

(Market value)

21.95％

19.90％

17.06％

17.45％

19.46％

-200

-14.5 -30.0

-6.8

-27.5

Market value

+45.4

-32.3

84.6 70.9 45.1 68.4

Book value

-1.6

Yen bonds

-84.4

3/2022 3/2023 3/2024 3/2025 3/2026

Foreign bonds

-1.0

Including affiliated companies

3/2022 3/2023 3/2024 3/2025 3/2026

To below 15% by the end

of March 2029

After taking into account unrealized gains/losses on deferred hedge swaps

【As compared to

300

250

200

115.7

150

(Billion yen)

155.5

26.4

23.8

228.7

9.2

52.6

March 31, 2025】

Other

+43.3

219.3

Stat stoc	us of pure investment k held
	3/2024	3/2025	3/2026	As compared to 3/2024
Market value (billion yen)	135.6	118.1	137.3	101％
Book value (billion yen)	41.0	33.7	29.0	70％
Number of stocks held	42	23	21	50%

Cross-shareholdings/number of stocks held

Unlisted stock

100

↑Gains

144.4

Total

+84.8

150.3

239.5

134.5

194.6

265.7

268 248

Listed stock

221 213 195

↓Losses

0 Yen -5.1 -14.0

117

100

121

126

122

147

121

120

Yen bonds

-30.5

Stocks

+71.0

-24.1

-50

-100

-150

Foreign -10.2 -13.7 -10.5

Other -6.8

-58.9

-10.5

-89.5

-9.5

Foreign bonds

+0.9

3/2022 3/2023 3/2024 3/2025 3/2026

*From FY2025, Figures excluding shares of affiliated companies

To halve by the end of March 2029 compared with the end of March 2024

Achievement at 50% or less

3/2022 3/2023 3/2024 3/2025 3/2026

(retroactive change)

‌Net Fees and Commissions ①


	(Billion yen)		FY2024	FY2025
	(Billion yen)		FY2024		Change
	Net fees and commissions		30.8	32.2	1.4
		Fees and commissions received	56.8	60.3	3.4
		Fees and commissions payments (-)	26.0	28.0	2.0
<>		in breakdown>
	Investment trusts and personal annuities		4.9	4.5	-0.4
		Investment trusts (trust fees)	1.9	1.9	0.0
		Investment trusts (sales fees)	0.9	0.7	-0.1
		Annuities and whole-life insurance	1.0	1.0	-0.0
		Level-premium life insurance	0.9	0.6	-0.3
		Financial instrument intermediary	-	-	-
	Corporate solutions		18.2	19.3	1.1
		Finance	14.5	15.3	0.7
		Advisory contracts	0.5	0.8	0.2
		M&A	0.9	0.7	-0.1
		Management succession	0.5	0.4	-0.0
		Business-matching	1.4	1.6	0.2
		Advertising business	0.2	0.2	0.0
	Consumer loans		0.9	1.4	0.5
	Trust/inheritance-related business		1.5	1.6	0.0
	Cashless operations		3.9	3.9	0.0
	Payment and settlement transactions		13.1	14.0	0.9
	Guarantee charges and group insurance costs (-)		14.6	15.2	0.6

(Billion yen)

Net fees and commissions

28.6

30.0

30.8

32.2

1.3

【Year-on-year】

〔Total〕+1.4

27.5

3.4 2.4

1.4

1.3 1.6

1.9 1.2

1.5

3.9

2.8

3.9

Other

+0.0

Cashless

+0.0

Trusts,

inheritance

+0.0

Consumer loans

+0.5

Corporate solutions

+1.1

Financial product sales

-0.4

1.6

1.4

0.9

13.2

7.1

0.9

1.4

15.7

6.3

0.9

16.7

5.9

0.9

1.5

18.2

4.9

19.3

4.5

FY2021 FY2022 FY2023 FY2024 FY2025

Corporate solutions-related revenue

16.7

18.2

19.3

(Billion yen)

15.7

Advertising business

+0.0

Business matching

+0.2

Management succession

-0.0

M&A

-0.1

0.2

【Year-on-year】

〔Total〕+1.1

13.2

1.3

0.3

0.6

0.4

10.4

1.5

0.4

0.7

0.5

Advisory

+0.2

12.4

1.6

0.4

0.2

0.5

13.8

0.2

1.4

0.5

0.9

0.5

14.5

1.6

0.40.7

0.8

15.3

*From FY2025, advertising business is included in corporate solutions-related revenue (retroactive change)

FY2021 FY2022 FY2023 FY2024 FY2025

Finance

+0.7

Net Fees and Commissions ②

-Financial Products / Trust and inheritance-related business-

Fees and commissions from financial products

【Year-on-year】

Trust and inheritance-related business

（Billion yen）

44%

49%

61% 61% 63%

Recurring

revenue rate

+2%

〔Total〕 -0.4

Fees and commissions from

Trust and inheritance-related business

Partners

（Billion yen）

Chiba Bank

Future income from held testaments

Partners

Chiba Bank

7.1

2.0

1.1

1.4

0.6

5.9

6.3

Other 0.1

0.8

1.9

1.2

0.3 0.1

1.7

4.9

1.8

0.7

1.3

1.9

0.7

1.0

1.9

0.9

1.0

0.00.9

0.00.6

Other 0.1

1.48

Fin. instrument intermediary

±0.0

Level-premium insurance

-0.3

Annuities, whole-life insurance

-0.0

Investment trusts

（sale）

-0.1

Investment trusts (trust fees)

+0.0

0.37

1.11

1.57

0.41

1.16

1.54

0.42

1.12

0.44

1.18

3.92

0.73

3.19

1.62

4.21

0.86

3.34

4.76

1.04

3.71

4.95

1.17

3.78

1.7

4.5

FY2021 FY2022 FY2023 FY2024 FY2025

Financial product balances (Group total)

* From FY2025, fund wrap assets under management handled by group companies are recorded

under "Group companies", while those handled by Chiba Bank are recorded under "Investment trusts etc."

2,632.5

(retroactive change)

2,100.3

2,116.4

2,324.7

2,358.4

(Billion yen)

【As compared to March 31, 2025】

Group companies

+22.4％

〔Total〕+13.2％

FY2022 FY2023 FY2024 FY2025

Total assets uncovered through inheritance operations

766.1

18.8

782.9

25.8

848.6

14.6

933.1

15.6

1,039.5

（Billion yen）

3/2023 3/2024 3/2025 3/2026

Where to transfer funds for inheritance services applications

Deposit with the Bank

Before Inheritance

Deposits at other banks are also processed

(Results for the second half of FY2025)

376.2

94.4

844.7

428.4

111.2

921.7

495.2

143.1

939.8

891.2

97.4

867.6

14.7

Personal annuities etc.

342.6

424.2

Investment trusts

etc.

+15.5%

+1.9%

935.4

Foreign currency

deposits

+0.7％

856.9

781.4

1.4x deposits deposited

with the Bank

94.1

Public bonds

+28.7%

705.1

After Inheritance

Compared to cases where no inheritance-

3/2022 3/2023 3/2024 3/2025 3/2026

3/2023 3/2024 3/2025 3/2026

related services are applied for, 2.3 times* the amount is deposited into the bank accounts.

* Comparison with the deposit retention of approximately 60%

‌Net Fees and Commissions ③ -Cashless Operations-

Group profits and transaction volume of cashless operations

（Billion yen）

(Million locations)

Number of group franchise locations

851.3

954.2

【Year-on-year】

Transaction volume

(

Franchise locations

+3.2%

【As compared to March 31, 2025】

509.8

631.1

746.3

cumulative

total)

+102.9

0.042

0.047

0.049

0.052

0.054

3/2022 3/2023 3/2024 3/2025 3/2026

4.4

Number of group cardholders

5.0

5.1

5.3

5.4

(Million customers)

Profits

+0.0

0.73

0.83

0.92

1.00

1.06

【As compared to March 31, 2025】

Cardholders

+6.7%

FY2021 FY2022 FY2023 FY2024 FY2025

*Profit of group company are calculated based on the same criteria as the banks (Fees and commissions received)

*From FY2025, cashless-related profits includes guarantee fees received by Chibagin Card Co., Ltd from Chiba Bank (retroactive change）

3/2022 3/2023 3/2024 3/2025 3/2026

‌Credit-related Expenses / FRA Claims

Credit-related expenses New non-performing loans

11.2

Credit-related expenses (-)

(Billion yen)

FY2024

10.2

FY2025

9.5

Change

-0.6

(Billion yen)

Net provisions to general allowance for loan losses (-)

Disposal of non-performing loans (-)

Write-offs/net provisions to specific allowance, etc. (-)

Net provisions to specific allowance for loan losses (-)

New downgrades (-)

Existing non-performing loans (-) Collections, etc.

Recoveries of written-off claims

2.0

8.1

9.8

-0.2

11.2

0.2

1.6

1.7

7.8

9.7

2.6

10.7

0.2

1.2

1.9

-0.3

-0.0

2.9

-0.5

-0.0

-0.4

0.2

4.5

2.0

4.4

2.4

6.5

6.8

5.9

2.7

8.6

5.8

5.4

7.2

3.4

10.7

【Year-on-year】

〔Total〕 -0.5

+1.4

-1.9

FY2021 FY2022 FY2023 FY2024 FY2025

Net credit cost ratio (-)

7bp

6bp

-0bp

(Billion yen)

Net credit costs(－)transition

【Year-on-year】

Disclosed claims under the Financial Reconstruction Act / non-performing loan ratio

【As compared to

9.5

10.2

〔Total〕-0.6

7.1

5.8

0.96% 0.93% 0.92% 0.91% 0.84%

113.2

114.9

118.5

120.4

121.5

0.3

Write-offs / Net provision to specific allowance, etc. (-)

-0.0

(Billion yen)

March 31, 2025】

Non-performing loan ratio

Bankrupt and effectively bankrupt claims

-2.8

Doubtful claims

+0.0

Need-attention claims

+1.7

-0.06%

7.3

↑Losses

1.5

↓Gains

-1.7

7.6

-3.4

-2.3

6.1

-0.2

-1.5

2.0

9.7

1.7

-1.6

9.8

-1.9

17.1

Recoveries of written-off claims

-0.2

Net provisions to

general allowance for loan losses (-)

-0.3

54.9

Ratio (-)

-0bp

41.1

18.2

52.7

43.9

19.1

49.8

49.4

19.9

43.6

58.0

17.0

43.6

6bp

0bp

4bp

7bp

6bp

59.7

〔Total〕 -1.0

FY2021 FY2022 FY2023 FY2024 FY2025

3/2022 3/2023 3/2024 3/2025 3/2026

General & Administrative Expenses

G&A expenses / OHR Non-consolidated G&A expenses

Non-consolidated

Personnel expenses	41.6	45.9	4.2
Non-personnel expenses	41.2	43.8	2.5
Taxes	6.8	7.8	0.9

G&A expenses

(Billion yen)

FY2024

89.7

FY2025

97.6

Change

89.7

7.8

(Billion yen)

84.5

6.3

82.5

6.2

85.1

6.3

OHR

46.56%

41.58%

-4.98%

6.8

7.8

【Year-on-year】

97.6

〔Total〕+8.7％

Taxes

+13.8％

Consolidated

OHR

46.47%

41.50%

-4.97%

* OHR: Expenses / (net business income - bond-related gains/losses, etc. + net provisions to general allowance for loan losses + expenses）

OHR

38.2

36.8

Non-personnel expenses

+6.2％

38.3

41.2

43.8

52.02%

50.90%

49.30%

47.73%

48.76%

47.37%

46.56%

46.47%

Personnel expenses

+10.3％

41.58%

41.50%

【Year-on-year】

Non-consolidated OHR

-4.98%

Consolidated OHR

-4.97%

39.9

39.3

40.4

41.6

45.9

FY2021 FY2022 FY2023 FY2024 FY2025

‌Capital Adequacy Ratio / ROE / Shareholder Return

Consolidated capital adequacy ratio /

risk-weighted asset total

Shareholder return

*Preliminary figures

(Billion yen)

16.24% 15.04%

16.20%

15.02%

【As compared to March 31, 2025】

Shareholder

FY2024：Dividend ratio of approximately 40%

Dividend ratio 40% or more / flexible share buybacks

12.11% 11.63%

11.94% 11.54%

8,455.9

8,698.6

6,912.9

7,149.2

7,538.9

1,112.9 1,159.6

7,342.9

15.04% 15.02% Capital adequacy ratio

Start of application of Basel III finalization

（March 31,2024)

-0.02%

CET1 ratio

-0.02%

7,149.2

return policy

Total risk-weighted

assets +8.83％

Floor adjustments

Risk-weighted assets before floor adjustments

54.0% 48.6%

(Billion yen)

7,780.8

29.9%

7,780.8

41.7%

50.3% 52.9% 51.7%

28.4

70.7%

36.5

6,912.9

Shareholder return ratio (consolidated)

Dividend total

3/2022 3/2023 3/2024 3/2025 3/2026

Share buybacks

(%)		3/2025	3/2026		Finalization completed
Total capital adequacy ratio		15.04	15.02	Rough calculation of balance sheet as	12.80
CET1 ratio		15.04	15.02	of 3/2026 on a Basel III	12.80
	Excluding unrealized gains/losses on securities	13.92	13.70	finalization basis.	11.68

12.2 13.3

14.9 9.9

17.7

14.8

4.9

20.3 23.0

9.9 9.9 9.9

29.9

FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025

ROE

*Presented on a "total shareholders' equity" basis, a B/S calculation unaffected

32.6% 33.9%

36.9% 38.3% 38.8%

41.3%

by changes in unrealized gains/losses

7.34%

8.93%

7.83%

Consolidated ROE*

+1.58%

(Net Assets

24.5%

(yen)

28.1%

29.9%

2H dividend

28* 32

Dividend ratio (consolidated)

5.97%

6.38% 6.40%

basis)

1H dividend

+1.44%

20 24

15*

5.19%

5.68%

5.56%

6.38%

8 10

8 8 9

FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 FY2026

(estimate)

FY2021 FY2022 FY2023 FY2024 FY2025

+1 +2 +2

+4 +4

+12

*includes commemorative dividend of 2 yen 15

‌Earnings Forecast

Non-consolidated

	(Billion yen)		(Plan)	Change
Gross business profit		216.2	247.0	30.7
Net interest income		198.0	226.9	28.9
Net fees and commissions		32.2	34.0	1.7
Net Trading income		0.5	1.3	0.7
Net other ordinary income		-14.6	-15.2	-0.6

FY2025

Policy interest rate 0.75％

FY2026

Breakdown of Profit Attributable to Owners of Parent

(non-consolidated + difference between consolidated and non-consolidated results)

Gains/losses related to bonds

-19.9

-18.0 1.9

(Billion yen)

Net interest income

+28.9

Net trading income / Net other ordinary income

Personal expenses(-) +1.6

Non-personal expenses (-) +7.0

+0.0

Corporate income taxes(-) +4.9

Net fees and

commissions

+1.7

G&A expenses (-)

Net business income

(before provisions to general allowance for loan

Core business income

Excl. gains/losses on the cancelation of investment trusts

Net provisions to general allowance for loan losses (-)

Net business income

Non-recurring gains/losses

Disposal of non-performing loans (-)

Reversal of loan loss reserves

Gains/losses related to stocks, etc.

Ordinary profit Extraordinary gains/losses Net income

97.6

118.6

138.5

129.8

1.7

116.8

17.6

7.8

-27.0

134.5

-2.8

92.3

107.3

139.7

157.7

139.7

2.0

137.7

12.7

10.5

-22.5

150.4

-0.3

105.8

9.6

21.0

19.1

9.8

0.2

20.8

-4.9

2.6

-4.5

15.8

2.5

13.4

94.0

G&A expenses

Interest on domestic loans and deposits ＋20.2

-9.6

Credit-related expenses

-2.9 Other

-4.6

Dif. between consolidated and non-consolidated

-0.5

107.0

Credit-related expenses (-)

9.5

12.5

2.9

Consolidated net business income

(before provisions to general allowance for loan

Consolidated (Billion yen)	FY2025	FY2026
Consolidated (Billion yen)	FY2025	(Plan)	Change
Ordinary profit	138.8	154.3	15.4
Profit attributable to owners of parent	94.0	107.0	12.9

(Ref.)

FY2025 FY2026

(results) (plan)

19.9

148.9

128.9

‌DX

Number of app registrations / penetration rate

Status of utilization / evaluation

App penetration rate*

33.8%

41.4%

50.4%

66.6%

2,000

Evaluation of
App store Google play
25.5%
17.8%
application store ★4.6/5
★4.4/5
(Thou.)
738

972 1,208

1,466

Number of app

registrations

（as of March 31, 2026）

Changes in transactions (monthly comparison)

514

3/2022 3/2023 3/2024 3/2025 3/2026 3/2029

Number of remittance

transfers

Opening of ordinary

savings account*

Tax and public

finance collection

40.1%

* Number of Chibagin app registrations ÷ number of individual active customers

(plan)

＋6.4％

52.3%

Number of portal registrations / borrower penetration rate

Corporate portal borrower penetration rate*1

74.4% 79.3% 83.0%

＋26.7％

25.6%

3/2023 3/2026

＋32.8％

7.3%

3/2023 3/2026

4.0%

10.4%

3/2023 3/2026

27.1%

(Thou.)

52.9% 65.6%

April 2023 Release

46.1

58.2

Card loan contract

Opening of NISA account

80.0

Number of corporate portal registrations*2

Opening of investment trust account

46.3%

43.5%

58.1%

April 2023

Release

17.4

34.8

66.0

3/2022 3/'2023 3/2024 3/2025 3/2026 3/2029

3/2023 3/2026

*1 Number of borrowers registered to the corporate portal ÷ number of corporate borrowers

*2 Going forward, this result will now exclude accounts that have no history of logging in

(plan)

* Only open ordinary savings accounts is web accounts opening

Ratio of monthly active users 82.0％

Number of users who launched the app at least once a month / Number of registered users of the app at the end of the month

（as of March 2026）

(Reference) Main measures implemented in 2H of FY2025

FY2025 3Q（Oct. 2025 to Dec. 2025） From FY2025 4Q（from Jan. 2026）

Basic Policies	Creating the optimal customer experience	App Added "Family Account Inquiry", "Public Funds Receiving Account Registration", "Switch to Digital Passbook", and "Life Plan Simulation" function（Oct.） App Added "Goal-Based Savings Account" function（Dec.）	App Cumulative number of registered accounts exceeded 1.40 million (Jan.) Branch Opening Akasaka Corporation Sales Office (scheduled for Jun.) Retail/ Newly established Remote Strategy Division（Apr.） Corporate
	Enhancing the quality of existing business	Retail Lowering the eligible age for the "Web Account Opening Service"（Oct.） r Regional n Conclusion of comprehensive partnership agreements with evitalizatio Matsudo City and Kimitsu City（Nov.）	Retail Enhancement of the asset-building proposal Tool "Okane no Basket" (life plan simulation and insurance proposals)（Jan.） Corporate Newly established Corporate Advisory Division（Apr.)
	Providing new value	Alliance Tsukuba Bank's adoption of the TSUBASA FinTech Common Platform and the launch of system development for the renewal of its smartphone application（Dec.）	Cashless Addition of new designs to the "TSUBASA Chibagin Visa Debit Card" (three design series, 10 variations: Chiba Jets, Kashiwa Reysol, Sumikko Gurashi) (Mar.) Retail Expansion of the housing concierge service business（Apr.）

Value Creation Bases	DX	Achieved KPI targets for DX human resource development under the mid-term plan (Specialist, Core, and Base Personnel)（Dec.）	Company-wide implementation of Microsoft 365 across the Group（Jan.） Construction of AI model development environment (Feb.)
	GX	The selection as "A List" with the highest rating in the CDP Climate Change Survey for the second consecutive year（Dec.）	Publication of the "Sustainability Report 2025"（Jan.） Selected as a "Decarbonization Leading Area" through a joint proposal with Choshi City（Feb.） Developing an agrivoltaic solar power generator using film-type perovskite solar cells in paddy fields（Mar.）
	Alliances	The 10th anniversary of the launch of the "TSUBASA Alliance"（Oct.） Commencement of consideration for the "TSUBASA Joint Administrative Center Concept" (Nov.)	Basic agreement regarding the coalition of core systems with Gunma Bank （Jan.） The 10th anniversary of the launch of "Chiba-Musashino Alliance" and formulation of the phase 3（Mar.） Decision to establish "TSUBASA Joint Administrative Center Co., Ltd."（May.）
	WX	Introduction of "Welvio Biz," a support service for balancing work and nursing care（Oct.）	Chibagin Career Service Co., Ltd. obtained the "Excellent Employment Placement Service Provider" Certification（Apr.）
	Group Governance	Newly established Investor Relations Office（Nov.）	Establishment of common regulation across the Group（Apr.）

‌Inquiries related to this presentation should be addressed to:

The Chiba Bank, Ltd.

Corporate Planning Division

Investor Relations Office

Tel: 043-301-8459

E-Mail: ir@chibabank.co.jp

This material was prepared only for the purpose of providing information and does not solicit the purchase or sale of any specific securities.

All or part of the matters described in this material may be revised or changed without prior notice. This materials contains forward-looking statements. These statements are not

represented as providing a guarantee of the Bank's future performance, and actual results may be subject to risks and uncertainties. Please note that future performance may differ due to change in business environment, etc.