Chiba Bank, Ltd.TSE: 8331

Financial Highlights for the Nine Months of FY2025 ending March 2026

· Issued by Chiba Bank, Ltd.

The Chiba Bank website

[IR Library]

Financial Highlights for the Nine Months of FY2025 Ending March 2026 February 2, 2026

Table of Contents

Financial Results for the Nine Months of FY2025

Summary of Financial Results 3

Summary of Financial Results (Consolidated) 4

Net Interest Income 5

Average Balance / Yield of Loans and Bills Discounted 6

Balance of Loans / Deposits at Term-end 7

Purpose

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

Securities â‘ â‘¡

Net Fees and Commissions â‘ â‘¡â‘¢ Credit-related Expenses / FRA Claims General & Administrative Expenses

8-9

10-12

13

14

Vision

An Engagement Bank Group that works closely

The 15th

Mid-term Plan

Engagement

Capital Adequacy Ratio / ROE / Shareholder

Return ※ 15

Earnings Forecast 16

DX 17

Supplementary Materials

with the community

Bank Group

~ Phase 1 ~

Plan period

April, 2023 ~ March, 2026

Incorporating Interest Rate Hikesâ‘ â‘¡

Operation of Yen Bonds

New downgrades（credit） trends

19-20

21

22

※ The Capital Adequacy Ratio is currently being calculated

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 2



‌Summary of Financial Results

Non-consolidated

FY2024

FY2025

Policy interest

rate：0.75%

FY2025

  • Net interest income YoY＋27.8 billion yen

Balance of loans at term-end YoY＋6.3％

Domestic operations yield of loans and bills discounted YoY＋0.26％

G&A expenses (-) Net business income

(Billion yen)

1-3Q

Gross business profit

142.7

158.6

15.8

213.6

74.2%

Net interest income

117.2

145.1

27.8

192.5

Net fees and commissions

22.6

22.4

-0.1

31.2

Net Trading income

0.7

0.5

-0.1

0.8

Net other ordinary income

2.0

-9.5

-11.6

-10.9

Gains/losses related to bonds

-1.4

-13.7 -12.2

-15.0

66.9

75.7

1-3Q

72.8

85.7

Change

5.8

9.9

Plan*

97.2

116.3

Progress

75.4%

72.1%

70.5%

88.0%

91.4%

74.9%

73.6%

（Quarterly Comparison）

Domestic operations Difference between yield on loans and deposits YoY+0.16%

（Quarterly Comparison）

  • Net Fees and Commissions YoY -0.1 billion yen

    Corporate solutions-related revenue YoY -0.1 billion yen

  • Gains/losses related to bonds YoY -12.2billion yen

  • G&A expenses YoY +5.8 billion yen

    (before provisions to general allowance for loan losses)

    Core business income

    Excl. gains/losses on the cancelation of investment trusts

    77.2

    75.1

    99.4

    94.9

    22.1

    19.8

    131.3

    124.3

    75.7%

    32.7%

    76.3%

  • Credit-related expenses YoY -0.6 billion yen （50.2% progress）

  • Net income

91.9%

53.7% #DIV/0! 71.5%

Net provisions to general allowance for loan losses (-) 1.7 0.6 -1.0

2.0

Non-consolidated:Achieved record high for the third quarter for five consecutive terms

Net business income

Non-recurring gains/losses

Disposal of non-performing loans (-)

Reversal of loan loss reserves

Ordinary profit

79.6

97.5

17.8

127.9

76.2%

Extraordinary gains/losses

-0.3

-1.8

-1.4

-2.2

Net income

56.4

68.6

12.2

88.9

77.1%

Credit-related expenses (-)

6.6

6.0

-0.6

12.0

50.2%

Gains/losses related to stocks, etc.

74.0

5.6

4.9

-10.2

85.0

12.4

5.3

-17.8

11.0

6.8

0.3

-

7.5

114.3

13.5

10.0

-25.0

74.4%

Consolidated:Achieved record high for the third quarter for four consecutive terms

Breakdown of Profit Attributable to Owners of Parent

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

Gains/loses related to bonds (Government bonds, etc.) -12.2 etc.

(Billion yen) Net interest

income

Consolidated

(Billion yen)

FY2024 1-3Q

FY2025 1-3Q

Change

FY2025

Plan

Progress

54.5

+27.8

81.6%

Net fees and

commissions

-0.1

Interest on domestic loans and deposits ＋15.0 Interest and dividends on domestic securities +8.3 Interest on deposits with BOJ +4.9 etc.

Net trading income / Net other ordinary income

Credit-related

expenses

+0.6

G&A expenses

-5.8

Dif. between consolidated and non-consolidated

68.8

+2.0

Other

+1.5

Ordinary profit

Profit attributable to owners of parent (Ref.)

79.7

54.5

99.7 19.9

68.8 14.2

131.6 75.7%

90.0 76.4%

-11.8

Consolidated net business income

(before provisions to general allowance for loan losses)

80.8 92.5 11.7 125.2 73.9%

*Plan for FY2025 is revised from the figures disclosed on November 7, 2025 (disclosed on February 2, 2026)

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

FY2024 1-3Q

3

FY2025 1-3Q



‌Summary of Financial Results (Consolidated)

Consolidate

(Billion yen)

FY2024 1-3Q

FY2025

1-3Q

Change

Consolidated net revenue

146.0

162.9

16.8

Net interest income

113.1

141.9

28.8

Net fees and commissions

30.0

30.0

-0.0

Net trading income

0.7

0.5

-0.1

Net other ordinary income

2.1

-9.5

-11.7

G&A expenses (-)

71.7

78.4

6.6

Credit-related expenses (-)

7.2

6.2

-0.9

Net provisions to general allowance

for loan losses (-)

1.7

1.1

-0.6

Disposal of non-performing loans (-)

5.4

5.1

-0.3

Gains/losses related to stocks, etc.

10.8

18.3

7.4

Gains/losses on equity-method investments

0.1

0.3

0.1

Other

1.6

2.8

1.1

Ordinary profit

79.7

99.7

19.9

Extraordinary gains/losses

-0.3

-1.5

-1.2

Net income pre-tax adjustment

79.3

98.1

18.7

Total corporate income taxes (-)

24.8

29.3

4.4

Net income

54.5

68.8

14.2

Profit attributable to non-controlling interests

-

-

-

Profit attributable to owners of parent

54.5

68.8

14.2

(Ref.)

Consolidated net business income

(before provisions to general allowance for loan losses)

80.8

92.5

11.7

Subsidiaries

*Showing profit/loss after reclassification for consolidated financial statements

[Consolidated subsidiaries] (Billion yen)

Investment

Company name



Chibagin Securities Co., Ltd.

Chibagin Leasing Co., Ltd.





Chibagin Guarantee Co., Ltd.

Chibagin Card Co., Ltd.

Total of 5 other companies*

ratio (including indirect)

100%

100%

100%

100%

100%

Profit items

(after deduction of inter-subsidiary dividends)

Ordinary profit Net income Ordinary profit Net income Ordinary profit Net income Ordinary profit Net income Ordinary profit Net income

FY2024 1-3Q

-0.3

-0.3

0.4

0.3

4.3

2.8

0.2

0.1

0.2

0.1

FY2025 1-3Q

0.0

-0.1

0.9

0.6

4.3

2.8

0.2

0.1

0.4

0.5

Change

0.3

0.2

0.4

0.2

-0.0

-0.0

0.0

0.0

0.1

0.3

Total of 9 companies

Ordinary profit Net income

5.0

3.0

5.9

4.0

0.9

0.9

* 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

0.1

0.3

0.1

Dividends to

parent company (-)

4.6

3.7

-0.9

Dif. between consolidated

and non-consolidated*

-1.8

0.1

2.0

*After adjusting for unrealized gains, etc.

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 4



‌Net Interest Income

140.3

(Billion yen)

FY2024 1-3Q

FY2025

1-3Q

Change

Net interest income

117.2

145.1

27.8

Domestic

111.9

136.9

24.9

Interest on loans and deposits

81.4

96.4

15.0

Loans and bills discounted

87.0

118.2

31.2

Deposits incl. NCDs (-)

5.5

21.7

16.2

Interest and dividends on securities

25.5

33.9

8.3

Bonds

5.4

8.7

3.3

Stock dividends

11.7

11.7

-0.0

Investment funds

1.6

1.8

0.2

Investment trusts

6.7

11.5

4.8

Gains on cancellations

1.5

3.6

2.0

Other (market operations, etc.)

4.9

6.5

1.5

Overseas

5.2

8.2

2.9

Loans and bills discounted

23.9

23.6

-0.3

Foreign securities

25.6

29.2

3.5

Foreign securities

23.4

26.5

3.1

Foreign currency funds

1.3

1.4

0.0

Investment trusts

0.8

1.1

0.3

Gains on cancelations

0.5

0.9

0.3

Other (funding, market operations, etc.)

-44.3

-44.6

-0.3

Net interest income

(excluding gains on the cancellation of investment trusts)

115.1

140.6

25.4

Gains on the cancellation of investment trusts

2.1

4.5

2.3

(Billion yen)

131.8

8.1

8.8 4.4

Net interest income

156.7

136.6

6.9

117.2

39.4

8.2

【Year-on-year】

Overseas

+55.0ï¼…

145.1

〔Total〕+23.7％

25.1 31.2 28.0

98.5 100.2 104.2 110.4

5.2

81.4

Domestic interest and dividends on securities, other

+32.6ï¼…

30.5

96.4

40.4

Domestic interest on loans and deposits

+18.4%

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

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

(Billion yen)

+1.3

+1.7

+4.1 +4.1

+3.9

Yield +0.0 +11.4

+3.6

+5.7

+25.4

+6.2

Loans yield factors

+15.0

Total

+3.9 +4.3

Deposit+0.1Deposit+0.2Deposit+0.0

+3.2 +5.8

Loans volume factors

-2.9 -2.6

- 9.5

- 5.3

Deposit factors

- 16.2

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

FY2021 FY2022 FY2023 FY2024

FY2024 FY2025

1-3Q 1-3Q 5



‌Average Balance / Yield of Loans and Bills Discounted

Domestic Operations

Average balance / yield of loans and bills discounted

* â‘  "Yield on loans and bills discounted" and â‘¡" Yield on deposits" (which includes NCDs) are rounded down to the second decimal place. "Difference between average

Overseas Operations

Average balance / yield of loans and bills discounted

yield on loans and deposits" is the difference between â‘  and â‘¡.

0.89% 0.87% 0.87% 0.96% 0.93%

1.20%

1.02%

【Year-on-year】

Average yield

5.31% 5.14% 5.29%

4.69%

【Year-on-year】

Average yield

0.89% 0.87% 0.87% 0.90%

(Billion yen)

11,529.1

11,986.3 12,434.2

11,048.2

0.89%

12,377.7

13,021.0

on loans and bills discounted

+0.27%

Difference between average yield on loans and deposits*

+0.13%

3.20%

1.06%

0.97% 1.06%

0.56% 0.59%

0.55%

0.87%

on loans and bills discounted

-0.59%

Difference between average yield on loans and deposits*

+0.32%

Average balance of loans and bills discounted

+11.2ï¼…

Average balance of loans and bills discounted

+5.1ï¼…

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

Excluding Ministry of Finance loans

1-3Q 1-3Q

(Billion yen)

Avg. balance

10,844.0

11,276.1

11,782.2

12,244.1

Yield

0.91%

0.89%

0.88%

0.97%

12,197.5

12,724.5

0.94%

1.21%

Domestic Operations

Quarterly Trend in Yield on Loans and Deposits

1.15% 1.21% 1.24%

1.05ï¼…

0.92%

0.97% 1.07%

0.89ï¼…

0.89%

0.18% 0.19%

Yield on loans

Difference between yield

406.2

422.7

510.1

589.1

601.4

669.2

0.01% 0.03% 0.08%

0.11% 0.17%

on loans and

deposits

yield on

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

【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

deposits

USD 1

JPY122.39

JPY133.53

JPY151.41

JPY149.52

JPY158.18

JPY156.56

incl. NCDs

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 6



‌Balance of Loans / Deposits at Term-end

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

(Billion yen)

422.1

476.5

11,691.3

12,153.6

12,768.0

13,233.3

358.4

495.8

380.5

521.5

13,226.6

545.7

243.8

【As compared to

14,067.0

December 31, 2024】

Overseas operations

+5.1ï¼…

Public sector

+43.4ï¼…

Other consumer loans

+7.5ï¼…

〔Total〕+6.3％

(Billion yen)

11,425.9

11,836.7

12,345.8

12,756.8

3,984.2 4,302.6 4,602.9

12,730.7

4,599.7

13,545.5

5,184.2

【As compared to

December 31, 2024】

〔Total〕+6.3％

Outside

Chiba Pref.

+12.7ï¼…

265.4

470.9

189.9

316.9

423.1

199.6

370.8

215.3

229.7

226.6

4,275.0

3,775.1

581.0 590.6

599.3 604.2

601.9 615.0

7,746.1

Of which, corporate loans

Chiba Pref. (regional revitalization areas)

+2.1ï¼…

＋8.2％

3,917.7

4,026.0

4,108.6

4,074.8

7,069.7 7,261.8 7,443.7 7,549.6

7,529.1

Of which, corporate loans

Residential loans

+4.9ï¼…

+2.5ï¼…

3,834.3

3/2022 3/2023 3/2024 3/2025 12/2024 12/2025

Overseas operations, JOM accounts

+11.0ï¼…

Balance of deposits at term-end

Of which, corporate loans

Chiba Pref. (growth areas)

+2.8ï¼…

＋3.0％

【As compared to

5,426.3

〔

5,753.7 6,098.0

6,370.6

6,307.5 6,644.5

(Billion yen)

14,787.6 15,424.4

332.7

266.5 1,117.7

982.0

15,951.6 16,268.7

404.2 523.3

1,161.7 1,070.5

15,984.5 16,335.4

747.4

725.6

476.4 529.2

December 31, 2024】 Total〕+2.1％

1,520.9

Public sector

-2.9ï¼…

SMEs

+5.3ï¼…

3,003.7 3,055.5 3,174.8

3,279.3

3,239.7

3,385.4

1,504.2 1,542.4 1,635.6 1,689.3

Corporate

+4.4ï¼…

1,741.2 1,836.3

10,535.3 10,918.3 11,210.7 11,395.5

1 11,695.0

Large/mid-sized corporations

+5.4ï¼…

3/2022 3/2023 3/2024 3/2025 12/2024 12/2025

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

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

12/2024 12/2025

Retail

+1.5ï¼…

7



‌Securities ①

(Billion yen)

FY2024 1-3Q

FY2025

1-3Q

Change

Interest income on securities

51.2

63.1

11.9

Bonds

28.8

35.3

6.4

Domestic

5.4

8.7

3.3

Overseas

23.4

26.5

3.1

Stocks

11.7

11.7

-0.0

Investment trusts, etc.

10.5

16.0

5.5

Gains/losses from investment trust cancellations

2.1

4.5

2.3

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

*1 Excluding unrealized gains/losses

*2 After hedging via asset swaps

【As compared to March 31, 2025】

5.2

2.7

4.1

4.3

3.4

3.1

Average remaining maturity of

(Years)

(Billion yen)

2.0 2.0 1.9 2.0

3,065.9

3,205.4

2,452.3

2,673.2

731.2 874.2

yen bonds

-0.3 years

Average

remaining

〔Tmoatatul〕r+it5y.9o％f foreign bonds

Gains/loses related to bonds (Government

bonds, etc.)

-1.4

-13.7

-12.2

Gains on sales

0.7

0.5

-0.2

Losses on sales (-)

1.5

12.8

11.2

Redemptions (-)

0.7

1.4

0.6

+0.0 years

〔Total〕+4.5％

165.8

366.7

561.9

540.1

105.0

575.4

282.7

2,315.1

310.8

546.3

553.2

101.0

658.1

425.7

269.2

525.9

549.7

97.6

804.9

267.2

473.3

628.8

123.2

842.0

215.2

432.4

606.2

117.1

960.2

(Billion yen)

Government bonds

+19.5ï¼…

Municipal

bonds

-19.4%

Corporate bonds, etc.

-8.6ï¼…

Investment trusts, etc.

-3.5ï¼…

Stocks

-4.9ï¼…

Foreign currency securities

+14.0%

5.2

4.2

Gains/losses related to stocks, etc.

10.2

17.8

7.5

Gains on sales

11.2

18.5

7.3

Losses on sales (-)

0.9

0.2

-0.7

Redemptions (-)

0.0

0.4

0.4

10 BPV

4.7 4.5

4.0

【As compared to

Yen bonds

-0.4

March 31, 2025】

3/2022 3/2023 3/2024 3/2025 12/2025

Held-to-maturity securities

8.6

9.3

3.0

1.4

-

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

1.3 1.0 1.1 1.2 1.5

Foreign bonds

+0.3

3/2022 3/2023 3/2024 3/2025 12/2025

8



Securities â‘¡

Unrealized gains/losses on other securities Ratio of cross-shareholdings to consolidated net assets

300

240

180

* Including overseas CDs (Billion yen)

148.1

23.8

203.5

Total

+64.1

96.0

9.2

64.7

160.1

【As compared to

March 31, 2025】

Other

+55.4

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

21.95% 19.90% 19.94%

17.06% 17.45%

(Billion yen)

【As compared to

March 31, 2025】

Ratio of cross-

shareholdings

120

26.4

101.9

239.5

256.6

to consolidated net assets

↑Gains

60

↓Losses

0

-60

-120

-180

144.4 150.3

Yen -8.3 -11.4

-14.5 -30.0

Other -6.8

-27.5

-32.3

194.6

-83.5

-24.3

-141.4

-19.7

Yen bonds

-57.8

232.5

211.1 201.6

199.7

Stocks

+61.9

247.7

(Market value)

+2.49%

Market value

+47.9

Book value

â–³1.4

Foreign bonds

+4.6

3/2022 3/2023 3/2024 3/2025 12/2025

95.9 82.1

56.6

89.4

88.0

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

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

12/2025

300

250

200

150

100

(Billion yen)

155.5

26.4

115.7

23.8

228.7

239.5

Stocks

+61.9

34.5

【As compared to

256.6

243.2

64.7

March 31, 2025】

Other

+55.4

Total

+108.7

Cross-shareholdings/number of stocks held

Unlisted stock

Listed stock



100

141

126

139

147

138

Status of pure investment stocks held

3/2025

12/2025

As compared to 3/2025

Market

value

(Billion yen)

118.1

126.0

+7.9

Book value

(Billion yen)

33.7

29.0

-4.6

Number of stocks held

23

21

-2

9

285 265

↑Gains

50 144.4

↓Losses

0 Yen -5.1

150.3

-14.0

241 234

230

-24.1

-50

141

-100

Foreign -10.2 -13.7

Other -6.8

-10.5

-58.9

9.2

1

194.6

-10.5

-73.3

91

139

93

Foreign bonds

+5.7

Yen bonds

-14.4

-4.7

3/2022 3/2023 3/2024 3/2025 12/2025

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

3/2022 3/2023 3/2024 3/2025 12/2025



‌Net Fees and Commissions ①

27.5

(Billion yen)

FY2024

1-3Q

FY2025

1-3Q

Change

Net fees and commissions

22.6

22.4

-0.1

Fees and commissions received

41.5

42.9

1.3

Fees and commissions payments (-)

18.9

20.4

1.5

<>

in breakdown>

Investment trusts and personal annuities

3.8

3.3

-0.4

Investment trusts (trust fees)

1.4

1.4

-0.0

Investment trusts (sales fees)

0.7

0.4

-0.2

Annuities and whole-life insurance

0.8

0.8

-0.0

Level-premium life insurance

0.7

0.5

-0.2

Financial instrument intermediary

-

-

-

Co

rporate solutions

12.6

12.4

-0.1

Syndicated loans

10.2

9.9

-0.2

Advisory contracts

0.3

0.5

0.1

M&A

0.5

0.4

-0.1

Management succession

0.3

0.2

-0.0

Business-matching

0.9

1.1

0.1

Advertising business

0.1

0.2

0.0

Consumer loans

0.6

0.9

0.3

Trust/inheritance-related business

1.0

1.0

0.0

Cashless operations

2.9

2.9

0.0

Payment and settlement transactions

9.8

10.6

0.7

Guarantee charges and group insurance costs (-)

10.4

10.9

0.5

(Billion yen)

Net fees and commissions

28.6

30.0

30.8

1.2

【Year-on-year】

〔Total〕-0.1



3.4

1.3

1.4

0.9

2.4 1.9

  1. 2.8

    1.4 1.5

    0.9 0.9

    3.9

    1.5

    0.9

    22.6

22.4

Other

-0.0

Cashless

+0.0

Trusts, inheritance

+0.0

Consumer loans

+0.3

Corporate solutions

-0.1

Financial product sales

-0.4

1.5 1.5

2.9 2.9

1.0 1.0



13.2 15.7 16.7 18.2

7.1

0.6 0.9

12.6 12.4

6.3 5.9 4.9

3.8 3.3

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

Corporate solutions-related revenue

18.2

(Billion yen)

【Year-on-year】

〔Total〕-0.1

13.2

1.3

0.3

15.7

1.5

0.4

0.7

0.5

16.7

1.6

0.4

0.2 0.5

0.2

1.40.5

0.9

0.5

12.6

12.4

Advertising business

+0.0

Business matching

+0.1

Management

succession

-0.0

M&A

-0.1

0.1 0.2

0.9 1.1

0.6

0.5 0.3 0.40.2

0.4

10.4

12.4

13.8

14.5

0.3 0.5

Advisory

+0.1

10.2 9.9

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

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

Finance

-0.2

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q 10



Net Fees and Commissions â‘¡ -Financial Products-

Fees and commissions from financial products Financial product balances (Group total)

（Billion yen）

44% 49%

7.1

6.3

0.8

1.9

1.2

2.0

1.1

1.4

0.6

Ot0he.r30.1

61% 61% 61% 63%

4.9

5.9

0.1

【Year-on-year】 Recurring revenue rate

+2%

〔Total〕 -0.4

(Billion yen)

2,116.4

761.8

21.0

Fin. instrument intermediary

±0

Level-premium insurance

-0.2

Annuities, whole-life insurance

-0.0

Investment trusts

（sale）

-0.2

Investment trusts (trust fees)

-0.0

25.8

741.6

24.7

18.8

910.0

23.7

15.6

94.1

2,324.7

823.7

26.1

14.6

111.2

2,358.4

977.1

29.9

14.6

127.6

【As compared to March 31, 2025】

2,100.3

2,601.2

〔Total〕+11.8％

1.8

0.7

1.3

1.9

0.9

1.0

  1. 0.9

3.8

3.3

1.4

0.7

0.8

0.7

0.5

0.8

1.4

0.4

97.4

867.6

342.6

94.4

844.7

375.9

891.2

423.4

921.7

427.2

955.4

Group companies

+18.6ï¼…

Fund wrap

+14.4%

Foreign currency

deposits

+0.0ï¼…

Public bonds

+14.8%

Personal annuities

+3.6%

Investment trusts

+16.1%

496.3

1.7

1.7

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

3/2022 3/2023 3/2024 3/2025 12/2025

(Billion yen)

300.6

22.0

116.3

Financial product sales (Group total)

135.9

147.9

175.7

192.4

206.8

6.0 1.0 5.2

【Year-on-year】

Fund wrap

-55.4ï¼…

Chibagin Securities

-2.7ï¼…

Personal annuities

-3.5ï¼…

Investment trusts

-11.3ï¼…

〔Total〕-8.0％

Investment trust sales by channel

Non-face-to-face 66%

* in terms of monetary amount

Non-face-to-face 34%

23.0

48.3 26.9 28.8

4.3

FY2023

FY2025

37.9

59.9

60.6

22.4

58.5

Face-to-Face 34%

124.4

66.2

83.2

77.3

1.9

1H 1-3Q

53.1

Face-to-Face 66%

86.1 64.4 81.0

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

*From 3Q of FY2024, sales of Chibagin Securities include sales of call centers, etc.

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 11



Net Fees and Commissions â‘¢ -Cashless Operations-

Group profits and transaction volume of cashless operations

（Billion yen）

(million locations)

Number of group franchise locations

509.8

631.1

746.3

851.3

1,000.4

636.0

704.1

【Year-on-year】

Transaction volume (cumulative total)

+68.0

0.042

0.047

0.049

0.051

0.051 0.053

【As compared to December 31, 2024】

Franchise locations

+3.9%

4.8

4.9

3/2022 3/2023 3/2024 3/2025 12/2024 12/2025

3.8

4.4

6.2

(million customers)

Number of group cardholders

Profits

+0.0

0.73

0.83

0.92

1.00

0.97

1.05

【As compared to

December 31, 2024】

Cardholders

+7.5%

3.7

3.7

FY2021 FY2022 FY2023 FY2024 FY2025 FY2024 FY2025

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

12/2024 12/2025

(plan)

1-3Q 1-3Q

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

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 12



‌Credit-related Expenses / FRA Claims

1.9

3.9

7.4

Credit-related expenses New non-performing loans

Credit-related expenses (-)

(Billion yen)

FY2024 1-3Q

6.6

FY2025 1-3Q

6.0

Change

-0.6

(Billion yen)

11.2

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 (-)

1.7

4.9

5.9

0.9

6.7

0.2

0.6

5.3

6.5

0.9

7.4

0.1

-1.0

0.3

0.5

-0.0

0.6

-0.1

6.5

4.5 4.4

8.6

2H

5.8

6.8

5.9

【Year-on-year】

〔Total〕 +0.6

3Q

2.8

2Q

2.6

1.2

6.7

Collections, etc.

Net credit cost ratio (-)

6bp

5bp

-1bp

Recoveries of written-off claims

1.0

1.0

1.0

1.1

0.0

0.1

2.0 2.4 2.7 1Q

5.4

1H

1.5

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

Net credit costs(－)transition

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

(Billion yen)

10.2

【Year-on-year】

〔Total〕-0.6

0.96% 0.93% 0.92% 0.91%

(Billion yen)

0.81%

【As compared to March 31, 2025】

Non-performing loan ratio

↑Losses

↓Gains

-1.7

6.1

-3.4

-2.3

-1.5 -1.6

6.0

5.9 6.5

1.7

2.0

1.5

7.3

9.8

7.6

-0.2

0.3

6.6

5.8

7.1

0.6

-1.0 -1.1

5bp

6bp

113.2

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

+0.5

Net provisions to general allowance for loan losses (-)

-1.0

Recoveries of written-off claims

+0.1

Ratio (-)

-1bp

17.1

54.9

41.1

114.9

18.2

52.7

43.9

118.5

19.1

49.8

49.4

121.5

19.9

43.6

58.0

-0.09%

115.8

18.4

40.0

57.3

Bankrupt and effectively bankrupt claims

-1.5

Doubtful claims

-3.6

Need-attention claims

-0.6

〔Total〕 -5.7

6bp

0bp

4bp

7bp

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

3/2022 3/2023 3/2024 3/2025 12/2025 13



‌General & Administrative Expenses

Non-consolidated

G&A expenses / OHR

FY2024 1-3Q

FY2025

Change

89.7

(Billion yen)

Non-consolidated G&A expenses

5.8

72.8

66.9

(Billion yen)

1-3Q

G&A expenses

Non-personnel expenses

OHR

46.54%

42.58%

-3.95%

Taxes

31.3

30.4

5.1

34.7

32.3

5.7

3.3

1.9

0.6

82.5

6.3

6.2

Personnel expenses

84.5

85.1

6.3

6.8

【Year-on-year】

34.7

32.3

5.7

72.8

〔Total〕+8.7％

66.9

Taxes

+11.8ï¼…

Consolidate

OHR

46.54%

42.67%

-3.87%

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

OHR

38.2

36.8

38.3

41.2

Non-personnel expenses

+6.2ï¼…

52.02%

50.90%

47.73% 49.30%

48.76%

47.37%

46.56%

46.47%

46.54%

46.54%

42.67%

42.58%

【Year-on-year】

Consolidated OHR

-3.87%

Non-consolidated OHR

-3.95%

39.9

39.3

40.4

41.6

31.3

30.4

5.1

Personnel expenses

+10.7ï¼…

FY2021 FY2022 FY2023 FY2024

FY2024 FY2025

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q 1-3Q 1-3Q

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 14



‌Capital Adequacy Ratio / ROE / Shareholder Return

ROE

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

by changes in unrealized gains/losses

47.9%

54.0%

48.6%

Shareholder return

Resolved cancellation of 30 mil. treasury shares

50.3% 52.9% 51.7% 57.2%

Shareholder return ratio

8.77%

Consolidated ROE*

41.7%

29.9%

23.0

20.3

28.4

36.5

(consolidated)

1

7.34% 7.22%

7.64%

(Billion yen)

9.9

11.7 12.2 13.3

13.9 14.9

17.7

14.8

4.9

9.9

9.9

9.9

Share buybacks

Dividend total

5.0

6.40%

6.38%

(TSE base)

FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025

(plan)

Dividend payments

5.97%

6.38%

6.17%

Shareholder

return policy

Dividend ratio approximately 40% / flexible share buyback

Resolved to increase the dividend +4 yen compared to the initial forecast

32.6% 33.9% 36.9% 38.3% 40.6%

52

5.19%

5.68% 5.56%

22.0% 24.5%

(yen)

28.1% 29.9%

40

24

28

2H dividend

24 28* 32

Dividend ratio (consolidated)

11

15 16 18 20

9

7.5

8 10

7.5 8 8

13 15*

13

11

17 22

15

18

1H dividend

FY2021 FY2022 FY2023 FY2024 FY2024 FY2025

1-3Q 1-3Q

FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025

(estimate)

※ The Capital Adequacy Ratio is currently being calculated

+1 +2 +2

+4

+4 +4 +8 +12

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

*includes commemorative dividend of 2 yen 15



‌Earnings Forecast

Policy interest rate:0.75%

Breakdown of Profit Attributable to Owners of Parent

Non-consolidated

(Billion yen)

FY2024

FY2025

Change from Nov. plan

1-3Q

results

Full year

plan

Change

Progress

Gross business profit

186.5

158.6

213.6

27.0

74.2%

4.5

Net interest income

156.7

145.1

192.5

35.7

9.9

Net fees and commissions

30.8

22.4

31.2

0.3

-

Net Trading income

1.1

0.5

0.8

-0.3

-

Net other ordinary income

-2.1

-9.5

-10.9

-8.7

-5.4

Gains/losses related to bonds

-6.7

-13.7

-15.0

-8.2

-6.0

G&A expenses (-)

89.7

72.8

97.2

7.4

74.9%

1.2

Net business income

(before provisions to general allowance for loan losses)

96.7

85.7

116.3

19.6

73.6%

3.3

Core business income

103.4

99.4

131.3

27.8

75.7%

9.3

Excl. gains/losses on the cancelation

of investment trusts

100.8

94.9

124.3

23.5

76.3%

4.9

Net provisions to general allowance for loan losses (-)

2.0 0.6

2.0

-0.0

-

Net business income

94.6

85.0

114.3

19.6

74.4%

3.3

Non-recurring gains/losses

10.3

12.4

13.5

3.2

3.0

-

Disposal of non-performing loans (-)

8.1

5.3

10.0

1.8

Reversal of loan loss reserves

-

-

-

-

-

Gains/losses related to stocks, etc.

18.1

17.8

25.0

6.8

4.2

Ordinary profit

105.0

97.5

127.9

22.9

76.2%

6.3

Extraordinary gains/losses

-0.6

-1.8

-2.2

-1.5

-0.4

Net income

74.2

68.6

88.9

14.6

77.1%

4.3

Credit-related expenses (-)

10.2

6.0

12.0

1.7

50.2%

-

Consolidated

(Billion yen)

FY2024

FY2025

Change from Nov. plan

1-3Q

results

Full year

plan

Change

Progress

Ordinary profit

107.5

99.7

131.6

24.1

75.7%

7.3

Profit attributable to owners of parent

74.2

68.8

90.0

15.7

76.4%

5.0

(Ref.)

Consolidated net business income

(before provisions to general allowance for loan losses)

104.7

92.5

125.2

20.5

73.9%

3.2

(difference between consolidated and non-consolidated results)

(Billion yen)

Net interest income

Net fees and commissions

+0.3⇒+0.3

Decrease in gains/losses related to bonds

75.4%

72.1%

70.5%

88.0%

91.4%

+25.8⇒+35.7

Net trading

income /

G&A expenses

-6.2⇒ -7.4

Dif. between consolidated and





Net other ordinary income

-3.6⇒ -9.0

Credit-related expenses

-1.7⇒ -1.7

non-consolidated

+0.4⇒+1.0 90.0

Upward swing in domestic net interest income

Other

-4.1⇒ -3.1

32.7%

91.9%

53.7% #DIV/0! 71.5%







74.2



81.6%





FY2024 FY2025

(results) (plan)

FY2024

Change from Nov. plan

(Billion yen)

FY2025

Plan*

Change

Net interest income

156.7

192.5

35.7

9.9

Domestic

149.8

182.8

33.0

8.2

Interest on loans and deposits

110.4

130.5

20.0 2.2

Interest and dividends on securities

32.4

42.0

9.6 5.4

Gains/losses on cancellations

2.1

5.1

3.0

3.5

Overseas

6.9

9.6

2.7

1.6

Gains/losses on cancellations

0.4

1.8

1.3

0.8

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 16



‌DX

Number of app registrations / penetration rate

  • Status of utilization / evaluation

App penetration rate*

33.8%

25.5%

41.4%

47.9% 50.0%

  • Evaluation of

App store Google play

972

application store ★4.6/5

★4.4/5

(Thou.)

738

1,208

1,386

1,500

Number of app registrations

（as of December 2025）

  • Changes in transactions (monthly comparison)

51.3%

3/2023 3/2024 3/2025 12/2025 3/2026

Number of remittance

transfers

Opening of ordinary

savings account*

tax and public

finance collection

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

(plan)

Number of portal registrations / borrower penetration rate

Achievement of the Mid-term Plan target

＋25.7％

37.5%

4.0%

7.3%

＋30.2％

＋7.6％

11.6%

Corporate portal borrower penetration rate*1

74.4% 79.3%

  • Number of portal registrations

  • borrower penetration rate

Plan

25.6%

3/2023 12/2025

3/2023 12/2025

3/2023 12/2025

52.9%

65.6%

(Mid-term Plan)

70%

Opening of investment

Card loan contract

Opening of NISA account

trust account

34.8

(Thou.)

60.0

44.8%

49.0%

April 2023

Release

April 2023 Release

April 2023 Release

Number of corporate portal registrations*2

64.0

46.1

58.2

3/2023 3/2024 3/2025 12/2025 3/2026

3/2023 12/2025

3/2023 12/2025

3/2023 12/2025

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

*2 Excluded accounts that have no history of logging in

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

(plan)

※ Only open ordinary savings accounts is web accounts opening

17

  • Ratio of monthly active users 78.5ï¼…

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 December 2025）

45.7%



Supplementary Materials

18

18 18



Incorporating Interest Rate Hikesâ‘ 

‌As policy interest rates rose, loan interest rates rose steadily. Increase in all loan interest rates regardless of interest rate sensitivity.

Improvement of yields on corporate loans and residential loans

â‘ Prime-linked loans (average interest rates on loans)

â‘¡Residential loans (average interest rates on loans)



Yen-denominated loans



ï¿¥13.4 tri. as of Dec. 2025



(Trillion yen)

Market-linked

3.1

➃

Fixed (corporate)

3.2

Short-term prime rate,

Short-term prime rate, etc. etc. (corporate) (residential etc.) 2.2

4.0

Fixed (residential, etc.) 0.4

â‘¡

â‘¢

â‘ 

Ministry of Finance loans 0.3

1.21%

1.17%

1.16%

Review of short-term prime rate

1.56%



Overall

Pass-through rate: 73.4%

Floating at any time Pass-through rate: 87.9%

1.46%

Floating full-slide Pass-through rate:72.4%

1.45%

[Structure of prime-linked corporate loans]

Floating at any time

0.3 trillion yen

Floating full-slide

＊Floating interest rate only

0.83%

Pass-through rate：

86.0ï¼…



（Reflecting the Short-term prime rate）

1.18%

â‘¢

1.85ï¼…

＋0.40％

2.25ï¼…

86%

Review of short-term prime rate

2.00% in 9/2024 (+0.15%)

2.25% in 3/2025 (+0.25%)

Timing of feedback to existing loans

Reflected from 12/2024

Reflected from 6/2025

1.9 trillion yen

Aug. 31, 2024 Dec. 2025

â‘¢Fixed interest rate loans





63.6bp 68.8bp 66.5bp

11/2024 12/2025

40.5bp

25.1bp

39.3bp

18.4bp 97.1%

Future review of short-term prime rate 73.4%

62.3bp 66.9bp 66.2bp

※For about 80% of the stock balance linked to 1M and 3MTIBOR

1M0.06%

➃Market-linked loans (average interest rates on loans)

1.38%

1.07%

0.87%

0.58%

Average interest rate on market-linked loans (balance)

３MTIBOR

3M0.10%



Market interest rate rise range

Contracted rate

rise range

Pass-through rate 99.5%

97.9% 97.1% 99.5%

１MTIBOR

2.50%（＋0.25％ ）

From Feb. 3rd

FY2023 FY2024 FY2024 FY2025 FY2025

2H 1H 2H

1H 3Q

19



4/2023 2/2024 12/2025

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

Incorporating Interest Rate Hikesâ‘¡

Estimate the effect of the BOJ's policy rate change on interest rates



interest rate

Market-linked

(Net interest income in yen currency, Feb. plan)

Effect of increase in profit on FY2025 earnings plan

20

12.6

9.4

3.2



Policy rate to be raised to 1.00% in July 2026.

（Assumed as the main scenario）

â‘¡ Simulation of 1.0% terminal rate

Current policy rate unchanged

（Policy rate 0.75% from December 2025）

â‘  Simulation with current interest rates

JPY investment and funding structure

ï¿¥19.9 tri. as of Dec. 2025

Marketability

1.6

3.3

12.4

2.6

Marketability

procurement, etc.

（Trillion yen）

Short-term prime rate, etc. (residential)

Short-term prime rate, etc. (corporate)

Ministry of Finance loans

Market-linked

interest rate

investment, etc.

5.1

Effect of increase in profit on FY2025 earnings plan (Net interest income in yen currency, Feb. plan)

3.1

0.3

4.0

2.2

Variable deposits

Next mid-term plan

28.7

6.1 6.3

0.8 0.8 0.8

16.9

22.9

13.9

12.8

11.8

4.7

25.4

16.9

Total

Marketability investment

(Yen bonds, etc.)

Prime

Fixed

Market-linked interest rate

6.2

32.6

9.1

（billion yen）

33.6

Total

Marketability investment

(Yen bonds, etc.)

Next mid-term plan

38.1 41.4

7.3 8.8

22.1

45.7

11.7

（Billion yen）

47.3

12.4

11.0

9.8

Fixed (residential)

0.4

3.2

Fixed deposits

Prime

Fixed

4.7

18.1

29.1

28.7

20.6

28.4 28.2

22.9 24.6

Fixed(corporate)

Investment

securities

1.3

Asset Funding

5.5

20.5

24.5

6.3 6.0

Bank of Japan's

16.9

9.4

9.8 13.7 13.9

1.6 2.0 2.0

Equity funding, etc.

13.9 13.6

2.0 2.0

BOJ current account

Changes in the structure of asset and funding

0.4

0.5

1.6

0.2

（Trillion yen）

Bank of Japan's

Deposit

current account

0.8

-14.7 -17.1 -18.0

0.8

-18.4 -18.6

current account

Deposit

-21.7

-31.1 -32.6

-33.4 -33.7

BOJ

operations

excess

reserve

＋1.1％

ROE effect

＋1.6％ ＋1.8％

＋2.1％

＋2.1％

ROE effect

＋1.4％ ＋2.4％ ＋2.6％

2.3

Balance of loans

and securities-

to-deposit, etc.

(shareholders' equity)

FY2026 FY2027 FY2028 FY2029 FY2030

(shareholders' equity) FY2026 FY2027 FY2028 FY2029 FY2030

  • Effects of increased volume are not included in the above

    estimates

  • 10-year JGB yield of 2.00%

  • TIBOR Level as of December 2025

  • Short-term prime rate （After February 2026）2.50%

  • Calculated on the assumption that the outstanding balance is unchanged from the portfolio at the end of December 2025

  • 60% pass-through rate of fixed-rate loans for corporate and 80% pass-through rate of prime loans

  • Deposit interest rates are assumed to be raised in view of a rise in market interest rates

  • Effects of increased volume are not included in the above estimates

  • 10-year JGB yield rises to 2.00%

  • TIBOR Level as of December 2025

  • Short-term prime rate

    (After February 2026) 2.50%

    (After September 2026) 2.75%

  • Portfolio assumptions and pass-through rate assumptions are the same as in simulationâ‘ 

Volume effects estimates not included in the graph above（Estimation） 3/2029 + ¥16Billion（Net interest income in yen currency）

＋3.0％

Call money, etc.

＋2.9％

Asset Funding

12/2025

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

‌Operation of Yen Bonds

To improve net interest income・capital efficiency, sold some low-yield bonds ・ non-divided investment trusts / Began to accumulate fixed bonds

Yen Bonds Portfolio

Strategic portfolio improvement

Yen bonds portfolio

* Average remaining maturity is the base after considering asset swaps.

(Years) Average

TheSale of yen-denominated bonds based on interest rate trends ※ Excluding RMBS

The sale of yen bonds with a remaining maturity of 4 years or

FY2025３Q total

（Billion yen）

4.1 4.3 3.4

(Billion yen)

3.1

Around

remaining maturity of yen bonds

Yield on

fixed bonds

more and a yield of 0.4% or less has been completed

Gains/losses

related to bonds

-１３.７

Yen bonds

-５.９

Non-divided investment trusts

-５.２

Improving portfolios quality to improve ROE

Continued selling non-divided investment trusts with

high RW and low profitability

Accumulate fixed bonds

Lower

0.2%

range

Mid-

0.2%

Floating bonds

range

Around 0.4%

1,400.0

1,054.2

1,141.5

380.0

0.6%

1,453.8

375.1

Began to accumulate government bonds from 3Q

（Full year plan：¥ 150.0 billion / 2 year・10 year）

The impact of Unrealized gains / losses is minor, continued holding

The sale of yen bonds below funding costs

（Deposit funding）has been completed

（ Focusing on Policy interest rate 1.0%, the

sale of yen bonds with a yield of 0.4% or less

has been completed）

【RMBS accounts for the majority】 The deterioration of unrealized gains

/ losses is limited due to the roll-

down effect

Image of yen bonds balances ・ Unrealized gains

/ losses（By redemption period*）

251.0 220.9

803.2 920.6 1,020.0

1,078.7

＊RMBS are shown based on the average remaining maturity of sevurities

Fixed bonds

Balance

Unrealized

gains/losses

on yen bonds

-14.0 -24.1 -58.9 -73.3

3/2023 3/2024 3/2025 12/2025

Unrealized gains / losses on yen bonds + Investment trusts, etc. improved

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

¥ -49.6 billion ¥ -8.6 billion

[improved by ¥＋41.0 billion]

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

～FY2028 FY2029～ FY2032

FY2033～

gains / losses

Unrealized

FY2035

  • Simulation of Policy interest rate to be raised 1.5%

* The deterioration of unrealized gains / losses on our RMBS holdings for the FY2028 is estimated to be

approximately ¥ 1.0 billion 21



‌New downgrades（credit） trends

While the amount of new downgrades increased in 3Q, it remained within our plan.

No Concerns regarding asset quality, continuing to enhance understanding of actual conditions of borrowers.

Two large-borrowers accounted for 60% of the total new downgrades amount

New downgrades trends

New downgrades amount

（Scale・Case number・amount）

Industry composition ratio （amount・３Q total）

FY2025

New downgrades plan ¥ 12.0 billion

Real estate leasing business

34

Per cases Million yen / cases

85

（cases）

40

58

59

61

103

103 97 98 86

5.8

5.9 5.4

38

３Q total

Progress 61 ï¼…

Case number

Manufacturing

4%

Transport and postal service

6%

Real estate trading

Other 2%

While the percentage of the loan portfolio is 34%,the percentage of new downgrades is less than 1%.

（Billion yen）

2.7

0.9

1.1

2.7

1.1

0.5

2.3

0.3

1.7

3.4

1.0

0.0

1.1

3.9

2.3

0.7 0.3

Â¥ 0.5 bil. or more

Â¥ 0.3 bil. or more

Â¥ 0.1 bil. or more

8%

Medical, and other services

10%

Wholesale, retail trade 55%

1.8

1.1

1.9

0.8 1.1 1.1 1.3 1.2

Less than ¥ 0.1 bil.

Construction

15%

0.5

2024/3 1H 2024/3 2H 2025/3 1H 2025/3 2H 2026/3 1H 2026/3 3Q

By region（amount）

Enhancing understanding of actual

conditions through data utilization

Chiba

27%

37%

Deposit/

withdrawal

Bank

AI Score

57%

58%

51%

Within Chiba

Prefecture

data

Collaboration with

other bank

accounts

Status Monitoring

43%

42%

73%

63%

49%

Outside Chiba Prefecture

Long-Term Financial Data

External Data

AI Rating

Predicted Bankruptcy

FY2021 FT2022 FY2023 FY2024 FY2025 3Q

total

Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved.

Value

22

Collaboration with other

bank accounts・Penetration

level

Borrowers outside

（Borrowers）

Chiba Prefecture・

Number of contract645

441

285

719

Identifying early signs of

conditions through cash

flow analysis

deteriorating business

9/2024 3/2025

9

12



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.

2026

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