Financial Results for the Nine Months of FY2025 ending March 2026

February 2, 2026

Financial Results for the Nine Months of Fiscal Year 2025, ending 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, General Manager, Corporate Planning Division Payment date of cash dividends: -

Trading Accounts: Established

Supplementary Materials: Attached

IR Meeting: Not scheduled (for investors)

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

1. Financial Highlights for the First Nine Months (from April 1, 2025 to December 31, 2025)

   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四半期純利益
      Nine months ended	¥Million	%	¥Million	%	¥Million	%
      December 31, 2025	323,670	23.2	99,714	25.0	68,805	26.1
      December 31, 2024	262,602	13.2	79,722	9.8	54,533	8.7

      Note: Comprehensive Income: Period ended December 31, 2025: ¥144,812 million [ - % ] Period ended December 31, 2024: ¥12,783 million[ (86.6%) ]

      	Profit per Share 1株当たり四半期純利 益	Profit per Share (Diluted) 潜在株式調整後 1株当たり四半期純利益
      Nine months ended	¥	¥
      December 31, 2025	97.58	-
      December 31, 2024	76.31	-

   2. Consolidated Financial Condition

      	Total Assets 総資産	Net Assets 純資産	Capital Assets to Total Assets 自己資本比率
      	¥Million	¥Million	%
      December 31, 2025	20,749,231	1,242,656	5.9
      March 31, 2025	21,631,292	1,145,190	5.2

      (Reference) Capital Assets Period ended December 31,2025: ¥1,242,656 million; FY2024: ¥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.

2. Dividends

   	Annual Dividends 年間配当金
   	1Q end	2Q end	3Q end	Fiscal Year-end	Total
   Fiscal Year	¥	¥	¥	¥	¥
   Ended March 31, 2025	-	18.00	-	22.00	40.00
   Ending March 31, 2026	-	24.00	-
   Ending March 31, 2026 (Forecast)				28.00	52.00

   (Note) Revision of dividend forecast compared to most recent announcement: Yes

3. Consolidated Earnings Forecasts for FY2025 (from April 1, 2025 to March 31, 2026)

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

(Note) Revision of earnings forecast compared to most recent announcement: Yes

The Bank plans to cancel treasury shares based on a resolution at the Board of Directors held on February 2, 2026. The impact of the cancellation of treasury shares is included in "Profit per share" stated above.

• Notes

  1. Material changes in consolidated subsidiaries during the nine months (changes in specific subsidiaries related to changes in the scope of consolidation): None

  2. Accounting methods used specifically in the creation of quarterly financial statements: None

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

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

     â‘¡ Other changes in accounting principles: None

     â‘¢ Changes in accounting estimates: None

     â‘£ Restatement: None

  4. Number of Issued Shares (Common Stock)

     â‘  Number of issued shares (including treasury shares):

     December 31, 2025 805,521,087 shares March 31, 2025 805,521,087 shares

     â‘¡ Number of treasury shares:

     December 31, 2025 107,673,815 shares March 31, 2025 98,132,960 shares

     â‘¢ Average number of issued shares:

     For the nine months of FY2025 705,075,120 shares

     For the nine months of FY2024 714,615,890 shares

• Review of the accompanying quarterly consolidated financial statements by a certified public accountant or auditing firm : None
• Explanation for the proper use of the earnings forecast and other notes

For information related to the earnings forecast, please refer to "1. Summary of the Consolidated Business Results

(3) Explanation of the Consolidated Earnings Forecast " on page 4.

1. Summary of the Consolidated Business Results 4

   1. Summary of the Consolidated Business Results 4

   2. Summary of the Consolidated Financial Conditions 4

   3. Explanation of the Consolidated Earnings Forecast 4

2. Quarterly Consolidated Financial Statements and Main Notes 6

   1. Quarterly Consolidated Balance Sheet 6

   2. Quarterly Consolidated Statements of Income and Comprehensive Income 8

   3. Note regarding Quarterly Consolidated Financial Statements 10

(Note regarding Segment Information) 10

(Note regarding Changes in Shareholders' Equity) 10

(Note regarding Changes the Going Concern Assumption) 10

(Note regarding Quartetly Consolidated Statements of Cash Flows) 10

(Note regarding Subsequent Events) 10

(Note regarding Additional Information) 11

1. Summary of the Consolidated Business Results

   1. Summary of the Consolidated Business Results

      Looking back at the Japanese economy during the nine months of fiscal year 2025, despite the continued uncertainty due to factors such as continued price increases and U.S. trade policies, the economy has been recovering moderately due to improvements in employment and income conditions.

      Looking at financial conditions, the uncollateralized overnight call rate rapidly rose from the high 0.40% to exceed 0.72% due to the Bank of Japan's policy rate hike. Secondary yield of long-term government bonds fell from around 1.50% to the lower 1.10%, but gradually moved up, rose to exceed 2.00% at the end of the period. The Nikkei Stock Average temporarily rose from around 36,000-yen to the record high in the mid 52,000-yen's, and remained around 50,000-yen toward the end of the period.

      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 and every company in the community, and to make the community "a place where stakeholders' hope come true," 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 banking group that continues to grow together with the community by providing value backed by deep relationships with customers, shareholders, employees, and other stakeholders".

      Under such financial and economic environment and management policies, financial results for the nine months of FY2025 were as follows.

      Ordinary income was 323,670 million yen, an increase of 61,068 million yen compared to the previous year, mainly due to an increase in interest income. Ordinary expenses were 223,956 million yen, an increase of 41,076 million yen compared to the previous year, mainly due to an increase in interest expenses.

      As a result, ordinary profit was 99,714 million yen, an increase of 19,991 million yen, while profit attributable to owners of parent was 68,805 million yen, an increase of 14,271 million yen compared to the previous year.

   2. Summary of the Consolidated Financial Conditions

      Total assets as of December 31, 2025 were 20,749.2 billion yen, a decrease of 882.0 billion yen compared to March 31, 2025. Figures for the Bank's major accounts were as follows.

      The balance of deposits as of December 31, 2025 was 16,317.3 billion yen, an increase of 65.3 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 household needs. The Bank also continued to proactively respond to the funding needs of its customers. As a result, the balance of loans and bills discounted as of December 31, 2025 was 14,002.5 billion yen, an increase of 819.4 billion yen compared to March 31, 2025. The balance of held of securities was 3,387.1 billion yen, an increase of 208.1 billion yen compared to March 31, 2025.

   3. Explanation of the Consolidated Earnings Forecast

      â‘  Consolidated Earnings Forecast

      There are changes to the FY2025 Earnings Forecast released on November 7, 2025, as follows.

      	Consolidated Earnings Forecast 連結業績予想		Non-consolidated Earnings Forecast 個別業績予想
      	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	Ordinary Profit 経常利益	Net Income 当期純利益
      	¥Billion	¥Billion	¥Billion	¥Billion
      Previous Earnings Forecast	124.3	85.0	121.6	84.6
      Earnings Forecast	131.6	90.0	127.9	88.9
      Change	7.3	5.0	6.3	4.3

      (Reason for revision)

      The Bank has upwardly revised its earnings forecast, mainly because net interest income, including interest on loans and bills discounted, and gains related to stocks are expected to exceed the previous forecast. For more details, please refer to the "Announcement regarding the Revision of the Earnings Forecast and the Upward Revision of the Dividend Forecast for FY2025" released separately today.

      â‘¡ Upward Revision of the Cash Dividend Projection

      The Bank proposes to increase the year-end cash dividend for the fiscal year ending March 31, 2026, which was planned to be ¥24.00 per share, by ¥4.00 to ¥28.00 per share to show our appreciation for the ongoing assistance of our shareholders. For more details, please refer to the "Announcement regarding the Revision of the Earnings Forecast and the Upward Revision of the Dividend Forecast for FY2025" released separately today.

      Note: The aforementioned forecast is based on presently-available information and assumptions coming from the judgment, assessment, and recognition of facts at the current point in time. Actual results may differ materially from the forecast based on a wide range of potential factors. If the earnings forecast requires any revisions, they will be promptly announced.

2. Quarterly Consolidated Financial Statements and Main Notes

1. Quarterly Consolidated Balance Sheet

   			(Â¥ Million)
   Item	科目 (Japanese)	As of March 31, 2025	As of December 31, 2025
   Assets	（資産の部）
   Cash and due from banks	現 金 預 け 金	4,245,781	2,304,960
   Call loans and bills bought	コールローン及び買入手形	448,130	388,159
   Receivables under securities borrowing transactions	債券貸借取引支払保証金	1,379	20,148
   Monetary claims bought	買 入 金 銭 債 権	23,156	23,474
   Trading assets	特 定 取 引 資 産	16,496	33,818
   Money held in trust	金 銭 の 信 託	6,900	6,900
   Securities	有 価 証 券	3,178,969	3,387,135
   Loans and bills discounted	貸 出 金	13,183,185	14,002,595
   Foreign exchanges	外 国 為 替	5,571	6,293
   Other assets	そ の 他 資 産	338,967	384,676
   Tangible fixed assets	有 形 固 定 資 産	125,295	127,013
   Intangible fixed assets	無 形 固 定 資 産	23,927	27,975
   Net defined benefit asset	退 職 給 付 に 係 る 資 産	37,407	39,531
   Deferred tax assets	繰 延 税 金 資 産	2,946	2,435
   Customers' liabilities for acceptances and guarantees	支 払 承 諾 見 返	24,854	26,795
   Allowance for loan losses	貸 倒 引 当 金	(31,675)	(32,683)
   Total assets	資 産 の 部 合 計	21,631,292	20,749,231
   Liabilities	（負債の部）
   Deposits	預 金	16,251,921	16,317,301
   Negotiable certificates of deposit	譲 渡 性 預 金	463,414	458,362
   Call money and bills sold	コールマネー及び売渡手形	1,415,022	165,365
   Payables under repurchase agreements	売 現 先 勘 定	50,565	56,762
   Payables under securities lending transactions	債券貸借取引受入担保金	214,190	183,136
   Trading liabilities	特 定 取 引 負 債	9,435	28,379
   Borrowed money	借 用 金	1,637,445	1,703,043
   Foreign exchanges	外 国 為 替	845	823
   Bonds payable	社 債	44,831	46,954
   Borrowed money from trust account	信 託 勘 定 借	16,892	17,837
   Other liabilities	そ の 他 負 債	314,202	424,613
   Net defined benefit liability	退 職 給 付 に 係 る 負 債	605	585
   Provision for directors' retirement benefits	役 員 退 職 慰 労 引 当 金	232	188
   Provision for reimbursement of deposits	睡眠預金払戻損失引当金	421	263
   Provision for loyalty point programs	ポ イ ン ト 引 当 金	693	746
   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	64,786
   Deferred tax liabilities for land revaluation	再評価に係る繰延税金負債	10,688	10,606
   Acceptances and guarantees	支 払 承 諾	24,854	26,795
   Total liabilities	負 債 の 部 合 計	20,486,102	19,506,575

   			(Â¥ Million)
   Item	科目 (Japanese)	As of March 31, 2025	As of December 31, 2025
   Net assets	（純資産の部）
   Capital stock	資 本 金	145,069	145,069
   Capital surplus	資 本 剰 余 金	122,134	122,217
   Retained earnings	利 益 剰 余 金	837,898	873,935
   Treasury shares	自 己 株 式	(75,104)	(89,990)
   Total shareholders' equity	株 主 資 本 合 計	1,029,997	1,051,231
   Valuation difference on available-for-sale securities	その他有価証券評価差額金	80,195	126,531
   Deferred gains or losses on hedges	繰 延 ヘ ッ ジ 損 益	17,650	47,366
   Revaluation reserve for land	土 地 再 評 価 差 額 金	9,594	9,819
   Remeasurements of defined benefit plans	退職給付に係る 調整累計額	7,752	7,707
   Total accumulated other comprehensive income	その他の包括利益累計額合計	115,193	191,424
   Total net assets	純 資 産 の 部 合 計	1,145,190	1,242,656
   Total liabilities and net assets	負債及び純資産の部合計	21,631,292	20,749,231

2. Quarterly Consolidated Statements of Income and Comprehensive Income

   Quarterly Consolidated Statement of Income

   			(Â¥ Million)
   Item	科目 (Japanese)	For the nine months ended December 31, 2024	For the nine months ended December 31, 2025
   Ordinary income	経 常 収 益	262,602	323,670
   Interest income	資 金 運 用 収 益	176,844	223,974
   Interest on loans and discounts	（ う ち 貸 出 金 利 息 ）	110,834	141,624
   Interest and dividends on securities	（うち有価証券利息 配当金）	47,193	60,128
   Trust fees	信 託 報 酬	63	62
   Fees and commissions income	役 務 取 引 等 収 益	47,748	49,290
   Trading income	特 定 取 引 収 益	749	586
   Other ordinary income	そ の 他 業 務 収 益	4,420	4,674
   Other income	そ の 他 経 常 収 益	32,775	45,081
   Ordinary expenses	経 常 費 用	182,879	223,956
   Interest expenses	資 金 調 達 費 用	63,706	82,029
   Interest on deposits	（ う ち 預 金 利 息 ）	22,993	37,915
   Fees and commissions payments	役 務 取 引 等 費 用	17,730	19,318
   Trading expenses	特 定 取 引 費 用	21	24
   Other ordinary expenses	そ の 他 業 務 費 用	2,282	14,240
   General and administrative expenses	営 業 経 費	71,790	78,442
   Other expenses	そ の 他 経 常 費 用	27,348	29,900
   Ordinary profit	経 常 利 益	79,722	99,714
   Extraordinary income	特 別 利 益	2	396
   Gain on disposal of non-current assets	固 定 資 産 処 分 益	2	396
   Extraordinary losses	特 別 損 失	358	1,992
   Loss on disposal of non-current assets	固 定 資 産 処 分 損	243	404
   Impairment losses	減 損 損 失	115	1,587
   Profit before income taxes	税 金 等 調 整 前四 半 期 純 利 益	79,365	98,118
   Income taxes-current	法 人 税 、 住 民 税及 び 事 業 税	21,882	28,552
   Income taxes-deferred	法 人 税 等 調 整 額	2,950	760
   Total income taxes	法 人 税 等 合 計	24,832	29,313
   Net income	四 半 期 純 利 益	54,533	68,805
   Profit attributable to owners of parent	親 会 社 株 主 に 帰 属 す る四 半 期 純 利 益	54,533	68,805

   Quarterly Consolidated Statement of Comprehensive Income

   			(Â¥ Million)
   Item	科目 (Japanese)	For the nine months ended December 31, 2024	For the nine months ended December 31, 2025
   Net income	四 半 期 純 利 益	54,533	68,805
   Other comprehensive income	そ の 他 の 包 括 利 益	(41,749)	76,006
   Valuation difference on available-for-sale securities	その他有価証券評価差額金	(46,191)	46,193
   Deferred gains or losses on hedges	繰 延 ヘ ッ ジ 損 益	4,667	29,715
   Remeasurements of defined benefit plans, net of tax	退職 給付 に係 る調 整額	(120)	(44)
   Share of other comprehensive income of entities accounted for using equity method	持分法適用会社に対する持 分 相 当 額	(104)	142
   Comprehensive income	四 半 期 包 括 利 益	12,783	144,812
   (Breakdown)	（ 内 訳 ）
   Comprehensive income attributable to owners of parent	親 会 社 株 主 に 係 る四 半 期 包 括 利 益	12,783	144,812

3. Note regarding Quarterly Consolidated Financial Statements (Note regarding Segment Information)

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

   (Note regarding Changes in Shareholders' Equity)

   Not applicable.

   (Note regarding Changes the Going Concern Assumption)

   Not applicable.

   (Note regarding Quarterly Consolidated Statements of Cash Flows)

   Quarterly consolidated statements of cash flows have not been prepared for the nine months of fiscal year 2025. Depreciation and amortization expenses (including amortization expenses related to intangible fixed assets excluding goodwill) and amortization of goodwill for the nine months of fiscal year under review are as follows.

   							(Â¥ Million)
   Item	科目 (Japanese)					For the nine months ended December 31, 2024	For the nine months ended December 31, 2025
   Depreciation and amortization expenses	減	価	償	却	費	7,706	7,360
   Amortization of goodwill	の	れ ん	の	償 却	額	70	316

   (Note regarding Subsequent Events)

   At the Board of Director held on February 2, 2026, the Bank resolved to cancel treasury shares in accordance with the provisions of Article 178 of the Companies Act

   â‘  Type of shares to be cancelled Common stock

   â‘¡ Total number of shares to be cancelled 30,000,000 shares

   â‘¢ Scheduled cancellation date February 27, 2026

   (Note Regarding Additional Information)

   (Memorandum of Understanding regarding Management Consolidation Between The Chiba Bank, Ltd. and The Chiba Kogyo Bank, Ltd.)

   The Bank resolved, at the boards of directors held on September 29, 2025, to conclude a memorandum of understanding with The Chiba Kogyo Bank, Ltd. ( "Chiba Kogyo Bank") (Chiba Bank and Chiba Kogyo Bank are hereinafter collectively referred to as the "Banks") to proceed with discussions and deliberations toward implementing a management consolidation by establishing a holding company (the "Management Consolidation") , and the Banks entered into a memorandum of understanding.

   1. Philosophy and objectives of the Management Consolidation

      The aim of the Management Consolidation is for the Banks, both of which already possess customer bases in Chiba Prefecture and the Tokyo metropolitan area, to"step up"to a new banking group for the region.

      In the Management Consolidation, the Banks agree to respect each other's operational autonomy and self-reliance to the maximum extent, and to engage in discussions and deliberations aimed at "strengthening regional financial capabilities through two brands built on mutual trust and respect." The Banks will respect each other's approach and policy toward customers to the maximum extent in today's business environment, where customer needs and challenges to be addressed are diversifying and becoming more complex. At the same time, the Banks will enhance and diversify the solutions offered to customers while pursuing productivity and efficiency through the establishment of collaborative relationships that leverage the Banks' customer relationships and autonomy, mutual utilization of the Banks' respective strengths in products, services, and expertise, and by leveraging each other's management resources as their customer bases expand. Through these measures, the Banks will provide customers and the community with an enhanced customer experience and greater added value.

      In addition, amid intensifying competition in the financial sector to enhance service convenience driven by technological innovation in financial services and cross-industry expansion, the Banks believe it is essential to secure diverse personnel early on to enable value creation and handling of issues in specialized fields. Through collaboration between the Banks, sharing management resources, and fostering talent by sharing knowledge, experience, and expertise in accordance with mutual trust and respect, the Banks will not only secure professional personnel but also create new growth opportunities for employees and build a system where each employee can maximize their abilities and shine in their own way.

      Furthermore, as 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," and as strengthening resilience-including measures against financial crimes and cybersecurity-becomes increasingly vital to ensure that customers can use our services safely and securely, the Banks strongly recognize that their responsibility to provide financial infrastructure is now more significant than ever before and they consider it their social mission to contribute to the maintenance and development of a stable and sound regional financial system. By leveraging the complementary strengths and networks of the Banks within Chiba Prefecture and ensuring the stability of the regional economy through the continued operation and further strengthening of a sound regional financial system, the Banks will contribute to the sustainable development of regional communities.

      Regarding the management structure of the Banks following the Management Consolidation, the Banks will determine through future discussions based on the premise of respecting each other's operational autonomy and self-reliance to the maximum extent.

   2. Form of management consolidation

      1. Form

         The Banks will proceed with discussions and deliberations toward establishing a bank holding company (the "Holding Company") as the wholly-owning parent company of the Banks through a joint share transfer (the "Share Transfer") (i.e., making the Share Transfer effective), on or around April 1, 2027, subject to obtaining approval at the respective shareholders meetings of the Banks, and authorizations, approvals, certifications and/or permissions by relevant authorities required for the execution of the Management Consolidation. In addition, following the Management Consolidation, the Banks, which will become subsidiaries of the Holding Company, do not plan to conduct a merger, based on the judgment that conducting business development that leverages their respective strengths will lead to the realization of the objectives of the Management Consolidation.

      2. Policy regarding the listing of the Holding Company

      It is planned that the Holding Company will apply for a technical listing of its shares of common stock on the Prime Market of the Tokyo Stock Exchange. In addition, since the Banks will each become a wholly-owned subsidiary of the Holding Company through the Share Transfer, the shares of the Banks will be delisted from the Tokyo Stock Exchange prior to the effective date of the Share Transfer.

   3. Overview of the Holding Company

      It is planned that the name and the address of the head office of the Holding Company will be determined in a definitive agreement regarding the Management Consolidation (the "Definitive Agreement") upon future discussions between the Banks. The addresses of the head offices and the principal offices of Chiba Bank and Chiba Kogyo Bank, which will both become subsidiaries of the Holding Company, will remain unchanged. It is anticipated that the initial organizational structure of the Holding Company after the Management Consolidation will be that of a company with an audit and supervisory committee, and it is planned that the details of the organizational structure and officers will be determined in the Definitive Agreement upon discussions between the Banks.

   4. Share Transfer Ratio

      The share transfer ratio for the Share Transfer will be announced as soon as it is determined through discussions in good faith between the Banks, based on various factors including the results of the due diligence to be conducted in the future and the results of the calculation of the share transfer ratio by the third-party appraisers appointed respectively by the Banks.

   5. Establishment of a preparatory committee on management consolidation

      In order to facilitate the smooth progress of the Management Consolidation, the Banks will, promptly after entering into the Memorandum of Understanding, establish a preparatory committee on management consolidation and engage in focused discussions regarding the Management Consolidation.

   6. Upcoming schedule

      March, 2026 （plan）	Execution of the Definitive Agreement and drafting of a written share transfer plan
      December, 2026 （plan）	Holding of extraordinary general meetings of shareholders by the Banks
      April 1, 2027 （plan）	Establishment (effective date of the Share Transfer) of and listing date of the Holding Company

      （Note）The above upcoming schedule is the current plan and is subject to change depending on future discussions between the Banks and other factors. In addition, the execution of the Management Consolidation is subject to obtainment of the required authorizations, approvals, certifications and/or permissions by relevant authorities (including the filing of a Form F-4 registration statement with the

      U.S. Securities and Exchange Commission (the "SEC") and the coming into effect of the registration statement, and Banks plan to obtain the approval under the Act on Special Measures concerning Act on Prohibition of Private Monopolization and Maintenance of Fair Trade to Maintain Provision of Fundamental Services Pertaining to Regional Motor Carrier Services for Ride-Sharing by General Passengers and Banking Business), and if, pursuant to the status of obtaining such authorizations, approvals, certifications and/or permissions, any reason may be arose that delays the schedule of the Management Consolidation.

   7. Overview of the Banks (as of March 31, 2025)

      Name	Chiba bank	Chiba Kogyo bank
      Address	1-2 Chiba-minato, Chuo-ku, Chiba City, Chiba	1-2, Saiwaicho 2-chome, Mihama-ku, Chiba City, Chiba
      Representative's Title and Name	Tsutomu Yonemoto, President and Group Chief Executive Officer (CEO)	Hitoshi Umeda, President(CEO) and Managing Executive Officer
      Business	Ordinary banking services	Ordinary banking services
      Amount of stated capital	ï¿¥145.0 billion	ï¿¥62.1 billion
      Date of incorporation	March 31, 1943	January 18, 1952
      Number of issued shares	805,521,087 shares	62,222,045 shares of common stock 2,787,233 shares of preferred stock
      Fiscal year end	March 31	March 31
      Total Assets （Consolidated）	￥21,631.2 billion	￥3,246.8 billion
      Net Assets（Consolidated）	￥1,145.1 billion	￥174.7 billion
      Deposits （Non-consolidated）	￥16,268.7 billion	￥2,879.5 billion
      Loan balance （Non-consolidated）	￥13,233.3 billion	￥2,420.3 billion
      Number of Employees （Consolidated）	4,280 people	1,313 people
      Number of locations （including branch offices)	186 domestic offices, 4 overseas branches and 2 overseas representative offices	80 domestic branches and 2 Loan Plazas

   8. Others

In the event the Management Consolidation is carried out, shares of the Holding Company will be issued to the shareholders of the Banks. In accordance with the U.S. Securities Act of 1933, it is planned that the Banks will file a Form F-4 registration statement with the SEC regarding the Management Consolidation.

Financial Results for the Nine Months of Fiscal Year 2025, ending March 31, 2026

1. P/L Summary (Non-consolidated)

   • As a result of our activities to achieve the Purpose and Vision, core net business income was 99.4 billion yen, an increase of 22.1 billion yen compared to the previous year, while ordinary profit was 97.5 billion yen, an increase of 17.8 billion yen, and net income was 68.6 billion yen, an increase of 12.2 billion yen.

   • Net income saw steady progress representing 77.1% of the projection for the full year ending March 2026.

Non-consolidated (Â¥ Million)

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

1. P/L Summary (Consolidated)

   • Ordinary profit was 99.7 billion yen, an increase of 19.9 billion yen compared to the previous year, and profit attributable to owners of parent was 68.8 billion yen, an increase of by 14.2 billion yen.

   • Net income saw steady progress representing 76.4% of the projection for the full year ending March 2026.

Consolidated (Â¥ Million)

Note1: Consolidated net revenue = (Interest income - Interest expenses) + (Fees and commissions income - Fees and commissions payments)

+ (Trading income - Trading expenses) + (Other ordinary income - Other ordinary expenses)

Note2: Consolidated net business income = Non-consolidated net business income + subsidiaries' gross profits - subsidiaries' general and administrative expenses and net provisions to general allowance for loan losses - internal transactions

1. Loans and Deposits (Non-consolidated / Term-end Balance)

   • The balance of loans and bills discounted was 14,067.0 billion yen, an increase of 840.4 billion yen comapred to December 31, 2024, mainly due to an increase in corporate loans.

   • Deposit balances were 16,335.4 billion yen, an increase of 350.8 billion yen comapred to December 31, 2024, mainly due to an increase in retail deposits.

Note: Ratio = Small and medium-sized enterprises, etc. / Domestic loans and bills discounted

1. Interest Rate Spread (Domestic Business) (Non-consolidated)

   		(Japanese)	For the nine		For the nine months ended Dec. 31, 2024(b)		(Reference) FY2024
   			months ended Dec. 31, 2025 (a)	(a-b)
   (1)	Average yield on interest earning assets (A)	資 金 運 用 利 回	1.14%	0.34%	0.80%		0.83%
   	(i) Average yield on loans and bills discounted (B)	貸 出 金 利 回	1.20%	0.27%	0.93%		0.96%
   	(ii)Average yield on securities	有 価 証 券 利 回	2.05%	0.41%	1.64%		1.55%
   (2)	Average yield on interest bearing liabilities (C)	資 金 調 達 原 価	0.70%	0.20%	0.50%		0.52%
   	(i) Average yield on deposits and negotiable certificates of deposit (D)	預 金 等 利 回	0.18%	0.13%	0.04%		0.06%
   	(ii) Expense ratio	経 費 率	0.57%	0.03%	0.54%		0.54%
   (3)	Average interest rate spread (A) - (C)	総 資 金 利 鞘	0.44%	0.14%	0.30%		0.31%
   	Difference between average yield on loans and deposits (B) - (D)	預 貸 金 利 差	1.02%	0.13%	0.89%		0.90%

   Note: Figures in (1) and (2) are rounded down to second decimal places. (3) is calculated by taking the difference between (1) and (2).

2. Disclosed Claims under the Financial Reconstruction Law and Risk-Monitored Loans (Non-consolidated / Consolidated)

   ＜Non-consolidated＞ (¥ Million)

   		(Japanese)									Sep. 30, 2025 (b)
   									(a)	(a-b)
   Bankrupt and Substantially Bankrupt Claims		破こ	産れ	更 生 ら に	準	債 権 ず る	及債	び権	18,425	129	18,295
   Doubtful Claims		危		険		債		権	40,035	1	40,033
   Substandard Claims		要		管	理	債		権	57,356	(361)	57,717
   	Loans past due 3 months or more	三	月	以 上		延 滞	債	権	1,486	51	1,435
   	Restructured loans	貸	出	条 件		緩 和	債	権	55,869	(412)	56,282
   Total		合						計	115,816	(230)	116,047

   (Reference) Dec. 31, 2024

   18,213

   50,300

   54,648

   2,141

   52,506

   123,161

   Normal Claims

   æ­£

   常

   債

   権

   14,021,324

   249,355

   13,771,968

   Total Claims

   総

   与

   ä¿¡

   残

   高

   14,137,140

   249,124

   13,888,015

   Non-performing loan ratio

   不

   良

   債

   権

   比

   率

   0.81%

   (0.01%)

   0.83%

   13,178,211

   13,301,373

   0.92%

   Note: Total Claims include : loans, foreign exchange, accrued interest and suspense payments, customers' liabilities for acceptances and guarantees, and private offerings of bonds with Chiba Bank's guarantee in Securities. Private offerings of bonds with Chiba Bank's guarantee are recorded at market value.

   ＜Consolidated＞ (¥ Million)

   		(Japanese)									Sep. 30, 2025 (b)
   									(a)	(a-b)
   Bankrupt and Substantially Bankrupt Claims		破こ	産れ	更 生 ら に	準	債 権 ず る	及債	び権	17,182	(191)	17,373
   Doubtful Claims		危		険		債		権	40,150	(18)	40,169
   Substandard Claims		要		管	理	債		権	57,363	(361)	57,724
   	Loans past due 3 months or more	三	月	以 上		延 滞	債	権	1,486	51	1,435
   	Restructured loans	貸	出	条 件		緩 和	債	権	55,876	(412)	56,289
   Total		合						計	114,696	(571)	115,267

   (Reference) Dec. 31, 2024

   17,720

   50,444

   54,657

   2,141

   52,516

   122,822

   Normal Claims

   æ­£

   常

   債

   権

   13,960,577

   249,067

   13,711,510

   Total Claims

   総

   与

   ä¿¡

   残

   高

   14,075,273

   248,495

   13,826,777

   Non-performing loan ratio

   不

   良

   債

   権

   比

   率

   0.81%

   (0.01%)

   0.83%

   13,132,687

   13,255,510

   0.92%

   1. Gains (Losses) on Valuation and Unrealized Gains (Losses) of Securities with Market Value (Non-consolidated / Consolidated)

      Non-consolidated (Â¥ Billion)

      			(Japanese)	Dec. 31, 2025				Sep. 30, 2025
      				Market value	Gains (losses) on valuation / Unrealized gains (losses)			Market value	Gains (losses) on valuation / Unrealized gains (losses)
      						Gains	Losses			Gains	Losses
      Held-to-maturity bonds			満 期 保 有 目的	-	-	-	-	1.4	(0.0)	-	0.0
      Other securities			その他有価証券	3,275.8	160.1	346.9	186.8	3,162.6	156.1	313.0	156.8
      	Stocks		株 式	348.6	256.6	260.7	4.0	330.8	236.6	241.4	4.8
      	Bonds		債 券	1,346.6	(141.4)	0.0	141.4	1,342.5	(108.0)	0.0	108.0
      	Others		そ の 他	1,580.5	44.9	86.2	41.2	1,489.2	27.5	71.5	43.9
      		Foreign bonds	う ち 外 国 債 券	907.5	(19.7)	7.2	26.9	840.8	(18.9)	7.0	26.0

      Consolidated (Â¥ Billion)

      			(Japanese)	Dec. 31, 2025				Sep. 30, 2025
      				Market value	Gains (losses) on valuation / Unrealized gains (losses)			Market value	Gains (losses) on valuation / Unrealized gains (losses)
      						Gains	Losses			Gains	Losses
      Held-to-maturity bonds			満 期 保 有 目 的	-	-	-	-	1.4	(0.0)	-	0.0
      Other securities			その他有価証券	3,305.5	183.0	369.8	186.8	3,192.0	179.8	336.7	156.8
      	Stocks		株 式	371.9	278.2	282.3	4.0	355.1	259.2	264.0	4.8
      	Bonds		債 券	1,346.6	(141.4)	0.0	141.4	1,342.5	(108.0)	0.0	108.0
      	Others		そ の 他	1,586.8	46.2	87.5	41.2	1,494.3	28.6	72.6	43.9
      		Foreign bonds	う ち 外 国 債 券	907.5	(19.7)	7.2	26.9	840.8	(18.9)	7.0	26.0

      Note 1: "Gains/losses" on held-to-maturity bonds are calculated as the difference between the book value on the balance sheet (after applying the amortized cost method and after write-offs) and the market value. "Gains/losses" on other securities are calculated as the difference between the book value on the balance sheet (market value) and the acquisition cost.

      Note 2: The tables above include negotiable certificates of deposit in "Cash and due from banks" and beneficiary rights to the trust in "Monetary claims bought" in addition to "Securities".

      *Note: The Bank performs deferred hedging operations on its bond and foreign bond positions through derivative transactions a s a way to reduce market value fluctuation risk. The gains/losses on valuation of these operations are as follows.

      (Â¥ Billion)

      	(Japanese)			Dec. 31, 2025		Sep. 30, 2025 (b)
      				(a)	(a - b)
      Bonds	債		券	(141.4)	(33.4)	(108.0)
      Foreign Bonds	外	国 債	券	(19.7)	(0.7)	(18.9)
      Derivative transactions (deferred	デ	リ バ テ ィ ブ 取	引	83.0	24.6	58.4
      hedging)	（	繰 延 ヘ ッ ジ	）
      Total gains (losses) on valuation	評	価 損 益 合	計	(78.1)	(9.5)	(68.5)

   2. Gains (Losses) related to Securities (Non-consolidated)