Financial Results for FY2025 ended March 2026

May 15, 2026

Financial Results for Fiscal Year 2025, ended March 31, 2026

Stock Exchange Listing: Tokyo (code: 8331)

URL: https://www.chibabank.co.jp/

Representative: Tsutomu Yonemoto, President

Contact: Shinichi Ito, Managing Executive Officer, Corporate Planning Division

Date of General Meeting of Shareholders: June 26, 2026 (scheduled) Filing date of Financial Statements: June 19, 2026 (scheduled) Payment date of cash dividends: June 29, 2026 (scheduled) Trading Accounts: Established

Supplementary Materials: Attached

IR Meeting: Scheduled (for investors)

(Japanese yen amounts of less than 1 million have been rounded down to the first decimal place.)

1. Financial Highlights (from April 1, 2025 to March 31, 2026)

   1. Consolidated Business Results (%: Change compared to the corresponding period of the previous fiscal year)

      	Ordinary Income 経常収益		Ordinary Profit 経常利益		Profit Attributable to Owners of Parent 親会社株主に帰 属する 当期純利益
      Fiscal Year	¥Million	%	¥Million	%	¥Million	%
      Ended March 31, 2026	445,037	22.8	138,815	29.1	94,063	26.6
      Ended March 31, 2025	362,179	16.5	107,506	19.1	74,259	18.9

      Note: Comprehensive Income: Fiscal Year 2025: ¥159,460 million [ - %] Fiscal Year 2024 : (¥1,360 million) [ -%]

      	Profit per Share 1株当た り当期純利益	Profit per Share (Diluted) 潜在株式調整後 １株当たり当期純利益	Return on Equity 自己資 本当期純利益率	Ratio of Ordinary Profit to Total Assets総資産 経常利益率	Ratio of Ordinary Profit to Ordinary Income 経常収益 経常利益 率
      Fiscal Year	¥	¥	%	%	%
      Ended March 31, 2026	133.75	—	7.8	0.6	31.1
      Ended March 31, 2025	104.17	—	6.3	0.4	29.6

      Reference: Share of Profit (Loss) of Entities Accounted for Using Equity Method: Fiscal Year 2025: ¥623 million Fiscal Year 2024: ¥436 million

   2. Consolidated Financial Conditions

      	Total Assets 総資産	Net Assets 純資産	Capital Assets to Total Assets 自己資本比率	Net Assets per Share 1株当たり純資産
      Fiscal Year	¥Million	¥Million	%	¥
      Ended March 31, 2026	21,211,781	1,257,300	5.9	1,801.69
      Ended March 31, 2025	21,631,292	1,145,190	5.2	1,618.89

      (Reference) Capital Assets Fiscal Year 2025: ¥1,257,300 million Fiscal Year 2024: ¥1,145,190 million

      (Note) “Capital Assets to Total Assets” represents (“Net Assets”–“Share Award Rights”–“Subscription Rights to Shares”–“Non-controlling Interests”) / “Total Assets” at fiscal year-end. The “Capital Assets to Total Assets” stated above is different from the capital adequacy ratio as prescribed in the notice from the Financial Services Agency.

   3. Consolidated Cash Flows

      	Cash Flows from Operating Activities営業活動による キャッシュ・フロー	Cash Flows from Investing Activities投資活動による キャッシュ・フロー	Cash Flows from Financing Activities投資活動による キャッシュ・フロー	Cash and Cash Equivalents at End of Period 現金及び現金同等物期末残高
      Fiscal Year Ended March 31, 2026 Ended March 31, 2025	¥Million (1,318,746) 24,242	¥Million (211,097) (392,510)	¥Million (47,549) (65,046)	¥Million 2,654,890 4,232,103

2. Dividends

   	Annual Dividends 年間配当金					Total Cash Dividends (Total) 配当金 総額 （合計 ）	Payout Ratio (Consolidated)配当性向 （連結）	Ratio of Dividends to Net Assets (Consolidated)純資産配 当率 （連結）
   	1Q end	2Q end	3Q end	Fiscal Year-end	Total
   Fiscal Year Ended March 31, 2025 Ended March 31, 2026	¥ — —	¥ 18.00 24.00	¥ — —	¥ 22.00 28.00	¥ 40.00 52.00	¥Million 28,441 36,520	% 38.3 38.8	% 2.4 3.0
   Ending March 31, 2027 (Forecast)	—	32.00	—	32.00	64.00		41.3

3. Consolidated Earnings Forecasts for FY2026 (from April 1, 2026 to March 31, 2027)

   (%: Change compared to the corresponding period of the previous fiscal year)

   	Ordinary Profit 経常利益		Profit Attributable to Owners of Parent 親会社株主に帰属 する 当期純利益		Profit per Share １株当たり当期 純利益
   Six Months Ending September 30, 2026 Fiscal Year Ending March 31, 2027	¥Million 75,800 154,300	% 17.7 11.1	¥Million 53,000 107,000	% 19.8 13.7	¥ 76.49 154.71

   (Note) The Bank is acquiring its own shares based on a resolution at the Board of Directors’ Meeting held on March 25, 2026.

   The impact of the acquisition is included in “Profit per Share” stated above.

   *Notes

   1. Material changes in the scope of consolidation during the period: None

      .

   2. Changes in accounting principles, accounting estimates, or restatements:

      ① Changes in accounting principles accordance with changes in accounting standard, etc.: None

      ② Other changes in accounting principles: None

      ③ Changes in accounting estimates: None

      ④ Restatements: None

   3. Number of Issued Shares (Common Stock)

① Number of issued shares (including treasury shares):

March 31, 2026 775,521,087 shares March 31, 2025 805,521,087 shares

② Number of treasury shares:

March 31, 2026 77,676,494 shares March 31, 2025 98,132,960 shares

③ Average number of shares:

Fiscal Year 2025 703,267,872 shares Fiscal Year 2024 712,825,820 shares

1. Financial Highlights (from April 1, 2025 to March 31, 2026)

   1. Non-consolidated Business Results (%: Change compared to the corresponding period of the previous fiscal year)

      	Ordinary Income 経常収益		Ordinary Profit 経常利益		Net Income 当期純利益
      Fiscal Year	¥Million	%	¥Million	%	¥Million	%
      Ended March 31, 2026	407,149	23.9	134,548	28.1	92,342	24.3
      Ended March 31, 2025	328,347	18.2	105,025	22.0	74,231	22.5

      	Profit per Share １株当たり当期純利 益	Profit per Share (Diluted) 潜在株式調整後１株当たり当期純利益
      Fiscal Year	¥	¥
      Ended March 31, 2026	131.30	—
      Ended March 31, 2025	104.13	—

   2. Non-consolidated Financial Conditions

   	Total Assets 総資産	Net Assets 純資産	Capital Assets to Total Assets 自己資本比率	Net Assets per Share 1株当たり純資産
   Fiscal Year	¥Million	¥Million	%	¥
   Ended March 31, 2026	21,111,793	1,155,141	5.4	1,655.29
   Ended March 31, 2025	21,530,580	1,052,821	4.8	1,488.32

   (Reference) Capital Assets Fiscal Year 2025: ¥1,155,141 million Fiscal Year 2024: ¥1,052,821 million

   (Note) “Capital Assets to Total Assets” represents (“Net Assets”–“Share Award Rights”– “Subscription Rights to Shares”) / “Total Assets” at fiscal year-end. The “Capital Assets to Total Assets” stated above is different from the capital adequacy ratio as prescribed in the notice from the Financial Services Agency.

2. Non-consolidated Earnings Forecasts for FY2026 (from April 1, 2026 to March 31, 2027)

(%: Change compared to the corresponding period of the previous fiscal year)

(Note): The Bank is acquiring its own shares based on a resolution at the Board of Directors’ Meeting held on March 25, 2025. The impact of the acquisition is included in “Profit per share” stated above.

Statement relating to the status of the audit procedures

This report is not subject to audit procedures conducted by a certified public accountant or an audit firm.

Explanation for proper use of projections and other notes

The above projections are based on information, which is presently available and certain assumptions which are considered to be reasonable. Actual results may differ from those projections depending on various future factors.

For information related to the projections, please refer to “1. Summary of the Consolidated Business Results (4) Explanation of the Consolidated Earnings Forecast” on page 5.

1. Summary of the Consolidated Business Results 5

   1. Summary of the Consolidated Business Results5

   2. Summary of the Consolidated Financial Conditions5

   3. Summary of the Consolidated Cash Flow Statement5

   4. Explanation of the Consolidated Earnings Forecast5

2. Basic Approach to the Selection of Accounting Standards 5
3. Consolidated Financial Statements and Main Notes 6

   1. Consolidated Balance Sheet6

   2. Consolidated Statements of Income and Comprehensive Income8

   3. Consolidated Statement of Changes in Net Assets10

   4. Consolidated Statement of Cash Flow12

   5. Note regarding Consolidated Financial Statements14

      Note regarding Changes the Going Concern Assumption14

      Note regarding Segment Information14

      Note regarding Per Share Information14

      Business Integration, etc.15

      Note regarding Material Subsequent Events16

4. Non-consolidated Financial Statements 17

   1. Non-consolidated Balance Sheet17

   2. Non-consolidated Statement of Income20

   3. Non-consolidated Statement of Changes in Net Assets22

Supplementary Information

1. Summary of the Consolidated Business Results

   1. Summary of the Consolidated Business Results

      The Chiba Bank Group believes that its purpose as a corporate group is to provide not only functional value centered on financial services such as deposits, loans, and exchange, but also social value such as contributing to solving local issues. To share our thoughts with our customers, shareholders, employees, and all other stakeholders, to continue to be close to each person and company in the community, and to make the community “a place where our stakeholders’ hopes can come to life,” we have defined the Purpose as “to create a local community better suited to bringing each person’s hope to life”.

      For the Purpose, the Bank Group has set the Vision as “an Engagement Bank Group that works closely with the community” and aims to be “a Bank Group that seeks to keep growing together along with the entire region by providing value through deep connections with all of its stakeholders including customers, shareholders, and employees”.

      As a result of our activities based on the above basic management policies, financial results for FY2025 were as follows.

      Ordinary income was 445,037 million yen, an increase of 82,858 million yen compared to the previous year, mainly due to an increase in interest on loans and discounts and other interest income. Ordinary expenses were 306,222 million yen, an increase of 51,549 million yen compared to the previous year, mainly due to an increase in interest expenses.

      As a result, ordinary profit was 138,815 million yen, an increase of 31,308 million yen, while profit attributable to owners of parent was 94,063 million yen, an increase of 19,804 million yen compared to the previous year.

   2. Summary of the Consolidated Financial Conditions

      Total assets as of March 31, 2026 were 21,211.7 billion yen, a decrease of 419.5 billion yen compared to the previous fiscal year-end, while total net assets as of March 31, 2026 were 1,257.3 billion yen, an increase of 112.1 billion yen compared to the previous fiscal year-end.

      Figures for the Bank’s major accounts were as follows.

      The balance of deposits as of March 31, 2026 was 16,830.4 billion yen, an increase of 578.5 billion yen compared to March 31 2025, mainly due to increased retail deposits. This growth reflects our continued efforts to provide a full range of financial products and services as a means to encourage customers to make the Chiba Bank their main banking institution for salary, pension payments and other household needs.

      A positive approach towards meeting the financial needs of customers, both retail and corporate, brought an increase in the balance of loans of 899.1 billion yen from the previous fiscal year-end, to 14,082.3 billion yen, mainly focused on loans to SMEs. The balance of held of securities was 3,491.8 billion yen, an increase of 312.8 billion yen compared to March 31, 2025.

   3. Summary of the Consolidated Cash Flow Statement

      The status of consolidated cash flow for FY2025 was as follows.

      The cash flow from operating activities was a net outflow of 1,318.7 billion yen reflecting an decrease in call money, and cash flow from investing activities was a net outflow of 211.0 billion yen mainly due to the purchase of securities. Also, the cash flow from financing activities was a net outflow of 47.5 billion yen mainly due to dividend payments. This resulted in a decrease of 1,577.2 billion yen in the balance of cash and cash equivalents from the previous fiscal year-end, to 2,654.8 billion yen.

   4. Explanation of the Consolidated Earnings Forecast

      The consolidated ordinary profit and profit attributable to owners of parent for FY2026, ending March 31, 2027 are projected to be 154.3 billion yen and 107.0 billion yen respectively.

      The non-consolidated ordinary profit and net income for FY2026, ending March 31, 2027 are projected to be 150.4 billion yen and 105.8 billion yen respectively.

      Note: The above projections are based on information, which is presently available, and assumptions coming from the judgment, assessment, and recognition of facts at this moment. Actual results may differ from those projections depending on various future factors. If the earnings projects require any revisions, it will be promptly announced.

2. Basic Approach to the Selection of Accounting Standards

   The Chiba Bank group has adopted Japanese accounting standards. For adopting IFRS, we will take appropriate actions in consideration of the surround situations in Japan and abroad.

3. Consolidated Financial Statements and Main Notes

   1. Consolidated Balance Sheet

      Item 科目

      (Japanese)

      Assets: （資産の 部）

      As of March 31, 2025

      (¥ Million) As of

      March 31, 2026

      Cash and due from banks 現 金 預 け 金 4,245,781									2,680,390
      Call loans and bills bought	コールローン及び買入手形							448,130	306,014
      Receivables under securities borrowing transactions	債券貸借取引支払保証金							1,379	3,782
      Monetary claims bought	買	入	金		銭	債	権	23,156	21,019
      Trading assets	特	定	取		引	資	産	16,496	22,998
      Money held in trust	金	銭		の		信	託	6,900	5,900
      Securities	有		価		証		券	3,178,969	3,491,819
      Loans and bills discounted	貸			出			金	13,183,185	14,082,336
      Foreign exchanges	外		国		為		替	5,571	6,781
      Other assets	そ	の		他		資	産	338,967	396,141
      Tangible fixed assets	有	形	固		定	資	産	125,295	127,123
      Buildings, net	建						物	53,768	52,256
      Land	土						地	62,067	59,413
      Construction in progress	建	設	仮			勘	定	2,992	4,998
      Other tangible fixed assets	そ	の 他	有 形 固			定 資	産	6,467	10,454
      Intangible fixed assets 無		形	固		定	資	産	23,927	28,001
      Software ソ		フ	ト		ウ	ェ	ア	10,225	13,506
      Goodwill の				れ			ん	8,261	7,839

      Net defined benefit asset 退 職 給 付 に 係 る 資						産	37,407	49,139
      Deferred tax assets	繰	延	税	金	資	産	2,946	2,470
      Customers' liabilities for acceptances and guarantees	支	払	承	諾	見	返	24,854	23,361
      Allowance for loan losses 貸 倒 引 当 金							(31,675)	(35,498)
      Total assets 資 産 の 部 合 計							21,631,292	21,211,781
      Deposits 預 金 16,251,921 16,830,424
      Negotiable certificates of deposit	譲	渡	性		預	金	463,414	180,766

      Other intangible fixed assets そ の 他 の 無 形 固 定 資 産 5,441 6,655

      Liabilities: （負債の部）

      1,415,022	415,244
      50,565	63,045
      214,190	192,214

      Call money and bills sold コールマネー及び売渡手形

      Payable under repurchase agreements 売 現 先 勘 定

      Payables under securities lending transactions 債券貸借取引受入担保金

      Trading liabilities	特	定	取		引 負		債	9,435	19,347
      Borrowed money	借			用			金	1,637,445	1,694,463
      Foreign exchanges	外		国		為		替	845	882
      Bonds payable	社						債	44,831	47,955
      Borrowed money from trust account	信	託		勘	定		借	16,892	17,970
      Other liabilities	そ	の		他	負		債	314,202	397,378
      Net defined benefit liability	退	職 給	付	に	係 る	負	債	605	577
      Provision for directors' retirement benefits	役	員 退	職	慰	労 引	当	金	232	206

      Provision for reimbursement of deposits 睡眠預金払戻損失引当金 421					213
      Provision for loyalty point programs	ポ	イ ン ト 引 当	金	693	708
      Reserves under special laws	特	別 法 上 の 引 当	金	23	23
      Deferred tax liabilities 繰 延 税 金 負 債				29,815	59,277
      Deferred tax liabilities for land revaluation 再評価に係る繰延税金負債 10,688					10,420
      Acceptances and guarantees	支	払 承 諾 24,854 23,361
      Total liabilities	負	債 の 部 合 計 20,486,102 19,954,480

      Item 科目

      (Japanese)

      Net assets: （純資産 の部）

      As of March 31, 2025

      (¥ Million) As of

      March 31, 2026

      Capital stock	資			本			金	145,069	145,069
      Capital surplus	資	本		剰		余	金	122,134	122,134
      Retained earnings	利	益		剰		余	金	837,898	874,340
      Treasury shares	自		己		株		式	(75,104)	(64,921)
      Total shareholders' equity	株	主	資		本	合	計	1,029,997	1,076,621
      Valuation difference on available-for-sale securities	その他有価証券 評価差額金							80,195	102,209
      Deferred gains or losses on hedges	繰 延 ヘ ッ ジ 損 益							17,650	55,087
      Revaluation reserve for land	土 地 再 評 価 差 額 金							9,594	9,683
      Remeasurements of defined benefit plans	退職給付に係る 調整累計額							7,752	13,698
      Total accumulated other comprehensive income	その他の包括利益累計額合計							115,193	180,678
      Total net assets	純 資 産 の 部 合 計							1,145,190	1,257,300
      Total liabilities and net assets	負債及び純資産の部合計							21,631,292	21,211,781

   2. Consolidated Statement of Income and Comprehensive Income

Consolidated Statement of Income

Item 科目

(Japanese)

FY2024 ended March 31, 2025

(¥ Million)

FY2025 ended March 31, 2026

Other ordinary income Other income

Recoveries of written-off claims

金 調 達

Interest on deposits 預 金 利

Interest on negotiable certificates of deposit 譲 渡 性 預 金

Interest on call money and bills sold コールマネー利息及び売渡手形利 Interest on payables under repurchase agreements 売 現 先 利 息 Interest on payables under securities lending transactions 債 券 貸 借 取 引 支 払 利 息

金 利

利

Other interest expenses そ の 他 の 支 払 利

Net income pre-tax adjustment Income taxes-current

Profit attributable to owners of parent

親 会 社 株 主 に 帰 属 す る

当 期 純 利 益 74,259 94,063

Consolidated Statement of Comprehensive Income

(¥ Million)

（3）Consolidated Statement of Changes in Net Assets

FY2024 Ended March 31, 2025

(¥ Million)

FY2025 Ended March 31, 2026

(¥ Million)

1. Consolidated Statement of Cash Flow

   Item 科目

   (Japanese)

   Cash flows from operating activities 営業活動によるキャッシュ・フロー

   FY2024 ended March 31, 2025

   (¥ Million)

   FY2025 ended March 31, 2026

   Profit before income taxes and minority interests 税 金 等 調 整 前 当 期 純 利 益 106,825 136,111

   Depreciation	減	価		償		却	費	10,267	10,250
   Impairment loss	減		損		損		失	232	2,534
   Amortization of goodwill	の	れ ん 償 却 額						175	421
   Share of loss (profit) of entities accounted for using equity method	持 （	分 法 に よ る 投 資 損 益 △ は 益 ）						(436)	(623)
   Increase (decrease) in allowance for loan losses	貸	倒 引 当 金 の 増 減 （ △ ）						588	3,822

   Decrease (increase) in net defined benefit asset

   Increase (decrease) in net defined benefit liability

   退 職 給 付 に 係 る 資 産 の 増 減 額

   （ △ は 増 加 ） (8,699) (11,732)

   退 職 給 付 に 係 る 負 債 の 増 減 額

   （ △ は 減 少 ） (83) (28)

   Increase (decrease) in provision for directors' retirement benefits

   役 員 退 職 慰 労 引 当 金 の 増 減 額

   （ △ は 減 少 ）

   39 (26)

   Increase (decrease) in provision for reimbursement of deposits

   睡眠預金払戻損失引当金の増減（△） (215) (208)

   Increase (decrease) in provision for loyalty point programs	ポ （	イ ン △	ト 引 当 は		金 減	の 増 減 少	額 ）	(96)	14
   Gain on fund management	資	金	運		用	収	益	(238,880)	(305,457)
   Financing expenses	資	金	調		達	費	用	86,263	110,699
   Loss (gain) related to securities 有 価 証 券 関 係 損 益 （ △ ） (12,947) (7,650)
   Loss (gain) on money held in trust	金 （	銭 の △	信は	託 の運	運用	用 損益	益 ）	(54)	(18)
   Foreign exchange losses (gains)	為	替 差	損	益 （	△	は 益	）	36	(180)
   Loss (gain) on disposal of non-current assets	固 定 資 産 処 分 損 益 （ △ は 益 ）							449	169
   Net decrease (increase) in trading assets	特 定 取 引 資 産 の 純 増 （ △ ） 減							(4,243)	(6,502)
   Net increase (decrease) in trading liabilities	特 定 取 引 負 債 の 純 増 減 （ △ ）							3,159	9,912
   Net decrease (increase) in loans and bills discounted	貸 出 金 の 純 増 （ △ ） 減							(461,355)	(899,151)
   Net increase (decrease) in deposit	預 金 の 純 増 減 （ △ ）							324,154	578,502

   Net increase (decrease) in negotiable certificates of deposit

   Net increase (decrease) in borrowed money (excluding subordinated borrowings)

   Net decrease (increase) in deposit (excluding deposit paid to Bank of Japan)

   譲 渡 性 預 金 の 純 増 減 （ △ ）

   83,887	(282,647)
   114,185	57,017
   10,250	(11,821)
   (56,343)	144,252

   借用金（劣後特約付借入金を除く）の 純 増 減 （ △ ）預 け 金 ( 日 銀 預 け 金 を 除 く )の 純 増 （ △ ） 減

   Net decrease (increase) in call loans コールローン等の純増（ △ ） 減

   Net increase (decrease) in receivables under securities borrowing transactions

   債 券 貸 借 取 引 支 払 保 証 金の 純 増 （ △ ） 減

   571 (2,402)

   Net increase (decrease) in call money コールマネー等の純増減（ △ ） (78,275) (987,298)

   Net increase (decrease) in payables under securities lending transactions

   債 券 貸 借 取 引 受 入 担 保 金の 純 増 減 （ △ ）

   10,760 (21,976)

   Net decrease (increase) in foreign exchanges - assets 外国為替（ 資産） の純増（ △） 減 513 (1,209)

   Net increase (decrease) in foreign exchanges -liabilities

   外国為替（ 負債） の純増減（ △） (326) 36

   Net increase (decrease) in issuance and redemption of corporate bonds	普通社債発行及び償還による増減 （ △ ） (45,411) -
   Net increase (decrease) in borrowed money from 信 託 勘 定 借 の 純 増 減 （ △ ） 1,327 1,078 trust account
   Proceeds from fund management	資	金	運	用	に	よ	る	収	入	228,712	287,444
   Payments for finance	資	金	調	達	に	よ	る	支	出	(83,402)	(106,039)
   Other, net	そ				の				他	61,968	18,488
   Subtotal	小								計	53,596	(1,284,218)

   Income taxes paid 法 人 税 等 の 支 払 額 (29,354) (34,528)

   Net cash provided by (used in) operating activities 営業活動によるキャッシュ・フロー 24,242 (1,318,746)

   (¥ Million)

   Item								FY2024 ended March 31, 2025	FY2025 ended March 31, 2026
   Cash flows from investing activities	投資活動によるキャッシュ・フロー
   Purchase of securities	有 価 証 券 の 取 得 に よ る 支 出							(1,211,496)	(1,112,425)
   Proceeds from sales of securities	有 価 証 券 の 売 却 に よ る 収 入							592,999	684,081
   Proceeds from redemption of securities	有 価 証 券 の 償 還 に よ る 収 入							245,324	239,099
   Increase in money held in trust	金 銭 の 信 託 の 増 加 に よ る 支 出							(2,100)	(1,000)
   Decrease in money held in trust	金 銭 の 信 託 の 減 少 に よ る 収 入							6,085	2,000
   Purchase of tangible fixed assets	有形固定資産の取得による支出							(8,087)	(11,647)
   Sales of property, plant and equipment	有形固定資産の売却による収入							-	534
   Removal of tangible fixed assets	有形固定資産の除去による支出							(126)	(389)
   Purchase of intangible fixed assets	無形固定資産の取得による支出							(6,661)	(11,350)
   Acquisition of subsidiary shares involving changes in the scope of consolidation	連結の範囲の変更を伴 う子会社株式の取 得 に よ る 支 出							(8,448)	-
   Net cash provided by (used in) investing activities	投資活動によるキャッシュ・フロー							(392,510)	(211,097)
   Cash flows from financing activities	財務活動によるキャッシュ・フロー
   Redemption of subordinated bonds	劣後特約付社債の償還による支出							(30,000)	-
   Cash dividends paid	配	当	金	の	支	払	額	(25,041)	(32,543)
   Purchase of treasury shares	自 己 株 式 の 取 得 に よ る 支 出							(10,005)	(15,006)
   Proceeds from sales of treasury shares	自 己 株 式 の 売 却 に よ る 収 入							0	0
   Net cash provided by (used in) financing activities	財務活動によるキャッシュ・フロー							(65,046)	(47,549)

   Effect of exchange rate change on cash and cash equivalents

   Net increase (decrease) in cash and cash equivalents

   現金及び現金同等物に係る換算差額 (36) 180

   現 金 及 び 現 金 同 等 物 の 増 減 額

   （ △ は 減 少 ） (433,350) (1,577,213)

   Cash and cash equivalents at beginning of period	現金及び現金同等物の期首残高	4,665,454	4,232,103
   Cash and cash equivalents at end of period	現金及び現金同等物の期末残高	4,232,103	2,654,890

2. Note regarding Consolidated Financial Statements

   (Note regarding Changes the Going Concern Assumption)

   Not applicable.

   (Note regarding Segment Information)

   This information is omitted because the Chiba Bank Group operates in a single segment of the banking business.

   (Note regarding Per Share Information)

   	FY2025 ended March 31, 2026
   Total net assets per share	¥1,801.69
   Profit per share	¥133.75
   Diluted profit per share	-

   (Note 1) Basis for computing net assets per share

   (¥ Million)

   	As of March 31, 2026
   Total net assets	1,257,300
   Amounts to be deducted from total net assets	-
   Net assets attributable to common stock	1,257,300
   Number of common stock outstanding at the end of the fiscal period	697,844 thousand shares

   (Note 2) Basis for computing net profit per share and diluted profit per share

   (¥ Million)

   	FY2025 ended March 31, 2026
   Profit per share
   Profit attributable to owners of parent	94,063
   Amount that does not belong to common shareholders	-
   Profit attributable to common stock	94,063
   Average number of shares	703,267 thousand shares

   *No diluted net profit per share was recorded during the relevant fiscal period due to no diluted shares.

   (Business Integration, etc.)

   (Regarding the Management Consolidation Between The Chiba Bank, Ltd. and The Chiba Kogyo Bank, Ltd.) The Chiba Bank, Ltd. ( “Chiba Bank”) and The Chiba Kogyo Bank, Ltd. (President (CEO) and Managing Executive Officer: Hitoshi Umeda; “Chiba Kogyo Bank”) (Chiba Bank and Chiba Kogyo Bank are hereinafter collectively referred to as the “Banks”) have proceeded with discussions toward the management consolidation between the Banks (the “Management Consolidation”) based on the Memorandum of Understanding agreed upon between the Banks on September 29, 2025. At their respective boards of directors meetings held on March 25, 2026, the Banks resolved (i) to establish a company named “Chiba Financial Group, Inc.” (the “Joint Holding Company”) as the wholly owning parent company of the Banks through a joint share transfer (the “Share Transfer”) on April 1, 2027 (the “Effective Date”), subject to obtaining approval at the respective shareholders meetings of the Banks and authorizations and other permissions by relevant authorities and (ii) to approve the outline of the Joint Holding Company and the terms and other details of the Share Transfer, and the Banks entered into a certain

   management consolidation agreement as of the same day.

   1. Outline of business integration

      1. Name and business of the acquired company Name The Chiba Kogyo Bank, Ltd.

         Business Banking services

      2. Main reason

         The Banks, as regional financial institutions both headquartered in Chiba Prefecture, consider their value to lie in contributing to solving regional challenges and fostering the sustainable growth of the region. Chiba Bank has defined its purpose as “Create a local community better suited to bringing each person’s hope to life” and Chiba Kogyo Bank has defined its purpose as “Create a thousand happinesses by always being there for our customers and community. Today, and for every tomorrow.”, and the Banks have been working on various regional initiatives, either individually or occasionally in collaboration with each other.

         Chiba Prefecture is located in the Tokyo metropolitan area and offers excellent access to the city center and abundant employment opportunities. The urban development around Narita Airport has established it as an international business hub, while the expansion of transportation networks such as the Metropolitan Inter-City Expressway (Ken-O Expressway) has further enhanced the flow of people and goods. Furthermore, Chiba Prefecture boasts premier national rankings in terms of prefectural gross domestic product, commerce, industry, agriculture, and even fisheries. It is also actively leveraging its tourism resources, capitalizing on its rich natural environment and warm climate.

         On the other hand, customer values have become increasingly complex and diverse, their behavioral patterns have significantly changed, and social structure is undergoing major changes—including advances in digital technology, growing interest in sustainability, the impact of soaring raw material prices and worsening labor shortages. As a result, the needs of the regional community and the challenges that need to be addressed are becoming increasingly diverse and complex.

         Furthermore, the long-standing policy of monetary easing undergoes significant review and competition in the financial sector is expected to intensify with the arrival of a “world with positive interest rates.” Additionally, the pace of technological innovation, including generative AI, is accelerating, and companies from other industries are increasingly entering the financial sector to pursue business opportunities, resulting in a rapidly changing business environment.

         In light of these changes in the business environment, the Banks have deepened their shared understanding that further strengthening their management foundations is essential in order to continue providing stable and sophisticated financial services to the regional economy and their customers over the long term.

         The Banks determined that, in order to further contribute to the sustainable growth of their customers and the region and to help address the increasingly complex regional challenges, the Management Consolidation between the Banks, both of which have their respective regional bases in Chiba Prefecture, will contribute to the further development of Chiba Prefecture’s economy, the realization of the purposes of the Banks, and the enhancement of their corporate value. Accordingly, on March 25,2026, the Banks reached a definitive agreement on the implementation of the management consolidation through the establishment of the Joint Holding Company.

      3. Date

         April 1, 2027 (scheduled)

      4. Legal format

         Incorporation of the joint holding company through a share transfer

      5. Name of company after combination Chiba Financial Group, Inc.

      6. Percentage of voting rights acquired 100%

      7. Basis for determining the acquiring company

      Due to the acquisition criteria under accounting standards for business integration

   2. Share Transfer Ratio by Type of Share, Method of Calculation, and Number of Shares to be Delivered

1. Share Transfer Ratio by Type of Share

   ① For each share of common stock of Chiba Bank, one share of common stock of the Joint Holding Company

   ② For each share of common stock of Chiba Kogyo Bank, one share of common stock of the Joint Holding Company

   ③ For each share of the Chiba Kogyo Bank’s 2nd Series of Class 6 Preferred Stock, the number of shares of common stock of the Joint Holding Company obtained by multiplying the share transfer ratio calculated by the following formula:

   Share transfer ratio = 20,000 yen / Average stock price of Chiba Bank’s common stock

   ④ For each share of the Chiba Kogyo Bank’s 2nd Series of Class 7 Preferred Stock, the number of shares of common stock of the Joint Holding Company obtained by multiplying the share transfer ratio calculated by the following formula:

   Share transfer ratio = 500,000 yen / Average stock price of Chiba Bank’s common stock

2. Method of Calculation

   ① Common Stock

   Chiba Bank appointed Mitsubishi UFJ Morgan Stanley Securities Co., Ltd., and Chiba Kogyo Bank appointed Mizuho Securities Co., Ltd. ("Mizuho Securities") as their independent third-party appraisers. The Banks carefully negotiated and discussed, based on the calculation analysis by these third-party appraisers. As a result, the Banks resolved to determine and agreed on the share transfer ratio.

   ② 2nd Series of Class 6 Preferred Stock

   This was determined through careful negotiation and consultation between the Banks with advice from Mizuho Securities. Chiba Kogyo Bank has not obtained a valuation report from a third-party appraiser.

   ③ 2nd Series of Class 7 Preferred Stock

   This was determined through careful negotiation and consultation between the Banks with advice from Mizuho Securities. Chiba Kogyo Bank has not obtained a valuation report from a third-party appraiser.

3. Expected Number of Shares to be Delivered

① Common Stock

Common stock: 867,743,132 shares

The number of shares specified above is calculated based on the total number of issued common shares of Chiba Bank (805,521,087 shares as of December 31, 2025) and the total number of issued common shares of Chiba Kogyo Bank (62,222,045 shares as of December 31, 2025). However, prior to the Effective Date of the Share Transfer, the Banks may cancel the treasury shares which are currently held or may thereafter be newly acquired by them, within the range of such treasury shares that can be canceled in practice, and the number of new shares to be issued by the Joint Holding Company is subject to change. The number of new shares specified above does not include the number of shares of common stock of the Joint Holding Company to be issued to the shareholders of Chiba Kogyo Bank’s 2nd Series of Class 6 Preferred Stock and 2nd Series of Class 7 Preferred Stock.

② 2nd Series of Class 6 Preferred Stock

The Joint Holding Company shall allocate to shareholders of Chiba Kogyo Bank’s 2nd Series of Class 6 Preferred Stock the number of shares of its common stock obtained by multiplying the number of Chiba Kogyo Bank’s 2nd Series of Class 6 Preferred Stock owned by those shareholders, by the share transfer ratio mentioned above.

③ 2nd Series of Class 7 Preferred Stock

The Joint Holding Company shall allocate to shareholders of Chiba Kogyo Bank’s 2nd Series of Class 7 Preferred Stock the number of shares of its common stock obtained by multiplying the number of Chiba Kogyo Bank’s 2nd Series of Class 7 Preferred Stock owned by those shareholders, by the share transfer ratio mentioned above.

(Note regarding Material Subsequent Events)

Not applicable.

Non-consolidated Financial Statements

1. Non-consolidated Balance Sheet

   (¥ Million)

   Item		科目 (Japanese)					As of March 31, 2025	As of March 31, 2026
   Assets:		（資産の部 ）
   Cash and due from banks 現		金 預 け				金	4,236,671	2,674,547
   Cash 現						金	83,743	98,804
   Due from banks 預 け 金							4,152,927	2,575,743
   Call loans コ ー ル ロ ー ン							448,130	306,014
   Receivables under securities borrowing transactions 債券貸借取引支払保証金 1,379								3,782
   Monetary claims bought 買		入	金	銭	債	権	18,032	19,033
   Trading assets 特		定	取	引	資	産	15,414	22,027
   Trading account securities 商		品	有	価	証	券	4,588	4,037
   Derivatives of trading securities -assets 商品有価証券派生商品 -								1
   Trading-related financial derivatives 特		定	金 融	派 生	商	品	10,826	17,989
   Securities 有			価	証		券	3,162,013	3,470,156
   Government bonds 国						債	688,891	915,975
   Local government bonds	地	方				債	258,474	213,457
   Corporate bonds	社					債	407,642	324,018
   Stocks	株					式	317,899	382,138
   Other securities	そ	の 他 の 証				券	1,489,104	1,634,565
   Loans and bills discounted 貸		出		金			13,233,344	14,147,744
   Bills discounted	割		引	手		形	5,660	3,518
   Loans on bills	手		形	貸		付	173,250	87,253
   Loans on deeds	証		書	貸		付	12,028,665	12,908,096
   Overdrafts	当		座	貸		越	1,025,767	1,148,876
   Foreign exchange	外		国	為		替	5,571	6,781
   Due from foreign banks (our accounts)	外	国	他	店	預	け	4,186	5,622
   Foreign bills receivable	取	立	外	国	為	替	1,385	1,158
   Other assets そ の 他 資 産							252,791	301,368
   Prepaid expenses	前	払		費	用		839	735
   Accrued income	未	収		収	益		21,305	25,050
   Initial margins of futures markets	先 物 取 引 差 入 証 拠 金						7,230	8,228
   Variation margins of futures markets	先 物 取 引 差 金 勘 定						-	14
   Derivatives other than for trading - assets	金 融 派 生 商 品						121,308	187,338
   Cash collateral paid for financial instruments	金融商品等差入担保金						52,959	25,824
   Other そ		の		他		の	資	産	49,148	54,176
   Tangible fixed assets 有		形		固		定	資	産	118,680	120,352
   Buildings, net 建								物	51,204	49,798
   Land 土								地	59,077	56,444
   Construction in progress 建		設			仮		勘	定	2,992	4,998

   Other tangible fixed assets その他の有形固定資産						5,405	9,111
   Intangible fixed assets 無 形 固 定 資 産						15,498	20,053
   Software	ソ フ ト ウ エ ア					10,052	13,394
   Other intangible fixed assets	その他の無形固定資産					5,445	6,659
   Prepaid pension cost	前	払	年 金	費	用	26,107	29,171
   Customers’ liabilities for acceptances and guarantees	支	払	承 諾	見	返	22,454	20,627
   Allowance for loan losses 貸 倒 引 当 金						(25,510)	(29,867)
   Total assets 資 産 の 部 合 計						21,530,580	21,111,793

   (¥ Million)

   Item		科目 (Japanese)						As of March 31, 2025	As of March 31, 2026
   Liabilities Deposits	預	（負債の部 ）					金	16,268,796	16,851,456
   Current deposits	当	座 預					金	313,534	324,053
   Ordinary deposits	普	通 預					金	11,817,864	11,992,620
   Saving deposits	貯	蓄 預					金	310,042	302,363
   Deposits at notice	通	知 預					金	3,330	3,364
   Time deposits	定	期 預					金	3,427,353	3,905,108
   Other deposits	そ	の 他 の 預					金	396,671	323,945
   Negotiable certificates of deposit	譲	渡 性 預					金	523,114	242,316
   Call money	コ	ー ル マ ネ					ー	1,415,022	415,244
   Payables under repurchase agreement	売	現 先 勘					定	50,565	63,045
   Payables under securities lending transactions	債券貸借取引受入担保金							214,190	192,214
   Trading liabilities	特 定 取 引 負 債							9,435	19,347
   Sale of commodity bonds	売 付 商 品 債 券							1,380	3,733
   Derivatives of trading securities - assets	商品有価証券派生商品							3	-
   Securities and derivatives related to trading transactions	特定取引有価証券派生商品							-	15
   Trading-related financial derivatives	特	定	金	融 派	生	商	品	8,051	15,598
   Borrowed money	借			用			金	1,619,707	1,687,953
   Borrowings from other banks	借			入			金	1,619,707	1,687,953
   Foreign exchanges	外		国		為		替	845	882
   Due from foreign banks (their accounts)	外	国			他		店	借	16	-
   Foreign bills sold	売	渡		外		国	為	替	78	54
   Foreign bills payable	未	払		外		国	為	替	750	827
   Bonds payable	社							債	44,831	47,955
   Borrowed money from trust account	信	託			勘		定	借	16,892	17,970
   Other liabilities	そ	の			他		負	債	258,863	339,054
   Domestic exchange settlement account, credit	未	決		済		為	替	借	25	22
   Income taxes payable	未	払		法		人	税	等	15,835	23,468
   Accrued expenses	未	払			費		用	18,660	23,489
   Unearned revenue	前	受			収		益	3,454	4,187
   Variation margins of futures markets	先	物 取 引			差 金	勘	定	2	-
   Derivatives other than for trading - liabilities	金	融 派			生 商		品	112,289	168,888
   Cash collateral received for financial instruments	金融商品等受入担保金							59,122	64,938
   Asset retirement obligations	資 産 除 去 債 務							4	5
   Other	そ の 他 の 負 債							49,468	54,054
   Provision for reimbursement of deposits	睡眠預金払戻損失引当金							421	213
   Provision for loyalty point programs	ポ イ ン ト 引 当 金							649	674
   Deferred tax liabilities	繰 延 税 金 負 債							21,279	47,275
   Deferred tax liabilities for land revaluation	再評価に係る繰延税金負債							10,688	10,420
   Acceptances and guarantees	支 払 承 諾							22,454	20,627
   Total liabilities	負 債 の 部 合 計							20,477,758	19,956,651

   Item 科目

   (Japanese)

   Net assets: （純資産 の部）

   As of March 31, 2025

   (¥ Million)

   As of March 31, 2026

   Capital stock	資			本			金	145,069	145,069
   Capital surplus	資	本		剰		余	金	122,134	122,134
   Legal capital surplus	資	本		準		備	金	122,134	122,134
   Retained earnings	利	益		剰		余	金	767,280	802,000
   Legal retained earnings	利	益		準		備	金	50,930	50,930
   Other retained earnings	そ	の 他		利 益		剰 余	金	716,350	751,070
   Reserve for advanced depreciation of non-current assets	固	定 資 産 圧 縮 積 立					金	347	347
   General reserve	別	途 積 立					金	645,971	680,971
   Retained earnings brought forward	繰	越	利	益	剰	余	金	70,032	69,752
   Treasury shares	自		己		株		式	(75,104)	(64,921)
   Total shareholders’ equity	株	主	資		本	合	計	959,379	1,004,282
   Valuation difference on available-for-sale securities	その他有価証券 評価差額金							66,197	86,088
   Deferred gains or losses on hedges	繰 延 ヘ ッ ジ 損 益							17,650	55,087
   Revaluation reserve for land	土 地 再 評 価 差 額 金							9,594	9,683
   Total valuation and translation adjustments	評 価 ・ 換 算 差 額 等 合 計							93,442	150,859
   Total net assets	純 資 産 の 部 合 計							1,052,821	1,155,141
   Total liabilities and net assets	負債及び純資産の部合計							21,530,580	21,111,793

2. Non-consolidated Statement of Income

   Item 科目

   (Japanese)

   FY2024 ended March 31, 2025

   (¥ Million)

   FY2025 ended March 31, 2026

   Ordinary income	経		常	収		益	328,347	407,149
   Interest income	資	金	運	用	収	益	242,991	308,790
   Interest on loans and discounts	貸	出	金 利			息	150,631	194,141
   Interest and dividends on securities	有	価 証	券 利 息 配 当			金	65,742	86,484
   Interest on call loans	コ	ー ル ロ ー ン 利				息	8,626	7,740
   Interest on receivables under securities borrowing transactions	債	券 貸 借 取 引 受 入 利				息	29	85
   Interest on deposits with banks	預	け 金 利				息	12,269	16,281
   Other interest income	そ	の 他 の 受 入 利				息	5,690	4,056
   Trust fees	信	託 報				酬	84	81
   Fees and commissions income	役	務 取 引 等 収				益	56,786	60,226
   Fees and commissions on domestic and foreign exchanges	受	入 為 替 手 数				料	7,153	8,264
   Other fees and commissions	そ	の 他 の 役 務 収				益	49,632	51,962
   Trading income	特	定 取 引 収				益	1,159	631
   Gains on trading account securities transactions	収					益	292	148
   Income from trading-related financial derivatives transactions	特 定 金 融 派 生 商 品 収 益						866	482
   Other trading income	そ の 他 の 特 定 取 引 収 益						0	-
   Other ordinary income	そ	の 他 業 務 収				益	5,472	6,119
   Gains on foreign exchange transactions	外	国 為 替 売 買				益	4,070	3,891
   Gains on sales of bonds	国	債 等 債 券 売 却				益	938	750
   Income from trading-related financial derivatives transactions	金	融 派 生 商 品 収				益	463	1,477
   Other income	そ	の 他 経 常 収				益	21,854	31,301
   Recoveries of written off claims	償	却 債 権 取 立				益	1,665	1,930
   Gain on sales of stocks and other securities	株	式 等 売 却				益	19,637	28,033
   Gain on money held in trust	金	銭 の 信 託 運 用				益	48	-
   Other	そ	の 他 の 経 常 収				益	502	1,336

   Income taxes - current 法人税、住民税及び事業税 29,379					39,818
   Income taxes - deferred	法	人 税 等 調 整	額	763	(511)
   Total income taxes	法	人 税 等 合	計	30,143	39,307
   Net income 当 期 純 利 益				74,231	92,342

   (¥ Million)

   Item 科目 FY2024 ended FY2025 ended (Japanese) March 31, 2025 March 31, 2026
   Ordinary expenses	経	常	費			用	223,322	272,601
   Interest expenses	資	金 調	達 費			用	86,221	110,781
   Interest on deposits 預	金		利			息	32,178	52,227
   Interest on negotiable certificates of deposit	譲	渡 性 預 金 利				息	9,298	9,228
   Interest on call money	コ	ー ル マ ネ ー 利				息	4,302	4,791
   Interest on payables under repurchase agreements 売 現 先 利 息							2,543	2,264
   Interest on payables under securities lending transactions 債券貸借取引支払利息 11,466								8,588
   Interest on borrowings and rediscounts 借 用 金 利 息							2,513	3,111
   Interest on bonds 社 債 利 息							1,443	642
   Interest on interest swaps 金利スワップ支払利息 17,099								25,306
   Other interest expenses	そ	の 他 の 支 払 利				息	5,375	4,619
   Fees and commissions payments	役	務 取 引 等 費				用	26,057	28,078
   Fees and commissions on domestic and foreign exchanges	支	払 為 替 手 数				料	1,178	1,487
   Other fees and commissions	そ	の 他 の 役 務 費				用	24,878	26,590
   Trading expenses	特	定 取	引 費			用	20	35
   Expenses on securities and derivatives related to trading transactions 特定取引有価証券費用 20								35
   Other ordinary expenses そ	の 他 業 務 費					用	7,664	20,736
   Loss on sales of bonds 国	債 等 債 券 売 却					損	6,737	19,288
   Loss on devaluation of bonds 国	債	等	債	券	償	却	926	1,447
   General and administrative expenses 営		業		経		費	89,711	97,791
   Other expenses そ	の	他	経	常	費	用	13,646	15,177
   Provision of allowance for loan losses 貸 倒 引 当 金 繰 入 額							1,793	4,379
   Written-off of loans 貸 出 金 償 却							9,223	7,078
   Losses on sales of stocks and other securities 株 式 等 売 却						損	1,506	567
   Losses on devaluation of stocks and other securities 株 式 等 償						却	0	465
   Other そ	の	他 の 経 常			費	用	1,122	2,686
   Ordinary profit 経		常 利				益	105,025	134,548
   Extraordinary gains 特		別 利				益	4	4
   Gain on disposal of non-current assets 固	定	資 産 処			分	益	4	4
   Extraordinary losses 特		別 損				失	655	2,903
   Loss on disposal of non-current assets	固	定 資	産	処	分	損	450	371
   Impairment loss	減	損		損		失	204	2,531
   Net income pre-tax adjustment 税 引 前 当 期 純 利 益							104,375	131,649

3. Non-consolidated Statement of Changes in Net Assets

FY2024 Ended March 31, 2025

(¥ Million)

FY2025 Ended March 31, 2026

(¥ Million)

1. Financial Highlights 1

   1. Summary 1

      1. Summary of income 1

      2. Loans and Deposits 1

      3. Capital ratio (BIS guidelines) 1

   2. Income and Expenses 2

   3. Management Indices 3

   4. Investment and Borrowing 4

      1. Loans and Deposits 4

      2. Securities (Term-end balance) 5

   5. Assets Quality 6

   6. Earnings Projections for Fiscal Year, ending March 31, 2027, etc. 7

2. Financial Data 8

   1. Income and Expenses 8

   2. Net Business Income 10

   3. Interest Rate Spread (Domestic Business) 10

   4. Gains and Losses on Securities 10

   5. Capital Ratio (BIS Guidelines) 11

   6. Return on Equity 11

   7. Outstanding Balance of Deposits and Loans 12

      1. Outstanding balance 12

      2. Breakdown of domestic loans and bills discounted (Term-end balance) and ratio of loans to Small and medium-sized enterprises 12

      3. Consumer loans 12

   8. Disclosed Claims under the Financial Reconstruction Law and Risk-Monitored Loans 13

   9. Status of Coverage on Disclosed Claims under the Financial Reconstruction Law and

      Risk-monitored Loans 14

   10. Allowance for Loan Losses 15

       1. Charge-off/Allowance criteria 15

       2. Breakdown of allowance for loan losses 15

   11. Loan Breakdown by Industry16

       1. Loan breakdown by industry 16

       2. Breakdown of Risk-Monitored Loans by industry 16

   12. Loan Breakdown by Domicile of Borrower17

       1. Balance of loans to specific foreign countries 17

       2. Balance of loans to Asian countries 17

       3. Balance of loans to Latin American countries 17

       4. Balance of loans to Russia 17

   13. Gains and Losses on Valuation of Securities18

       1. Basis of securities valuation 18

       2. Gains and losses on valuation 18

   14. Others20

       1. Retirement benefit 20

       2. Tax effect 21

   15. Earnings Projections22

1. ‌ Financial Highlights 1.Summary‌

   • Non-consolidated core net business income increased by ¥35.1 billion compared with the previous fiscal year to ¥138.5 billion, while ordinary profit increased by ¥29.5 billion to ¥134.5 billion, and net income also increased by ¥18.1 billion to ¥92.3 billion.

     Consolidated ordinary profit increased by ¥31.3 billion compared with the previous fiscal year to ¥138.8 billion, and profit attributable to owners of parent increased by ¥19.8 billion to ¥94.0 billion.

   • The average balance of loans increased by ¥773.3 billion from the previous fiscal year, and the average balance of deposits increased by ¥339.7 billion.

1. ‌Summary of income ＜Non-consolidated / Consolidated＞

   (¥ Billion)

   		(Japanese)			FY2025 ended			FY2024 ended March 31, 2025 (b)
   					March 31, 2026 (a)	(a-b)	(a-b)/b
   Net business income (before provisions to general allowance for loan losses)		業 務 純 益 （一般貸引繰 入前）			118.6	21.8	22.5%	96.7
   	Core net business income	コ	ア 業 務 純	益	138.5	35.1	33.9%	103.4
   		Excluding gains (losses) on cancellation of investment trusts	除く投資信託 解約損益		129.8	28.9	28.7%	100.8
   Net business income		業	務 純	益	116.8	22.1	23.4%	94.6
   Ordinary profit		経	常 利	益	134.5	29.5	28.1%	105.0
   Net income		当	期 純 利	益	92.3	18.1	24.3%	74.2

   (Reference) Projection for FY2026

   -

   -

   -

   -

   127.9

   88.9

   Note: Core net business income = Net business income (before provisions to general allowance for loan losses) - gains (losses) related to bonds (government bonds, etc.)

   Credit-related expenses (-)

   与

   信

   関

   係

   費

   用

   9.5

   (0.6)

   10.2

   -

1. ‌Loans and Deposits (¥ Billion)

   		(Japanese)	As of			As of March 31, 2025 (b)
   			March 31, 2026 (a)	(a-b)	(a-b)/b
   Term-end balance末 残	Loans and bills discounted	貸 出 金	14,147.7	914.4	6.9%	13,233.3
   	Deposits	預 金	16,851.4	582.6	3.5%	16,268.7
   Average balance平 残	Loans and bills discounted	貸 出 金	13,796.8	773.3	5.9%	13,023.4
   	Deposits	預 金	16,190.2	339.7	2.1%	15,850.4

2. Capital ratio (BIS guidelines) ＜Non-consolidated / Consolidated＞

   		(Japanese)	As of		As of March 31, 2025 (b)
   			March 31, 2026 (a)	(a-b)
   Non-consolidated total capital ratio		単体総自己資 本比率	14.20%	0.05%	14.14%
   	Tier 1 capital ratio	単 体 T i e r 1 比 率	14.20%	0.05%	14.14%
   	Common equity Tier1 capital ratio	単 体 普 通 株 式 等 T i e r 1 比 率	14.20%	0.05%	14.14%
   Consolidated total capital ratio		連結総自己資 本比率	15.02%	(0.02%)	15.04%
   	Tier 1 capital ratio	連 結 T i e r 1 比 率	15.02%	(0.02%)	15.04%
   	Common equity Tier1 capital ratio	連 結 普 通 株 式 等 T i e r 1 比 率	15.02%	(0.02%)	15.04%

   1. ‌Income and Expenses ＜Non-consolidated＞

      • Gross business profits increased by ¥29.6 billion to ¥216.2 billion compared with the previous fiscal year. While net interest income increased by ¥41.2 billion mainly due to an increase in interest on loans and bills discounted, gains (losses) related to bonds decreased by ¥13.2 billion.

      • Expenses increased by ¥7.8 billion compared with the previous fiscal year to ¥97.6 billion, mainly due to an increase in personnel expenses from active investment in human resources and strategic investments.

      • Credit-related expenses decreased by ¥0.6 billion compared with the previous fiscal year to ¥9.5 billion, due to a decrease in written-off of loans.

(¥ Billion)