Financial Results for the Six Months (First Half) of FY2025 ending March 2026

November 7, 2025

Financial Results for the Six Months (First Half) 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 Filing date of Financial Statements: November 25, 2025 (scheduled)

Payment date of cash dividends: December 5, 2025 (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 for the First Six Months (from April 1, 2025 to September 30, 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 中間純利益
      Six months ended	¥Million	%	¥Million	%	¥Million	%
      September 30, 2025	211,370	21.7	64,395	18.5	44,222	17.0
      September 30, 2024	173,634	13.5	54,334	8.6	37,772	8.5

      Note: Comprehensive Income: Period ended September 30, 2025: ¥101,853million [ - %] Period ended September 30, 2024: ¥2,219 million [(96.2%)]

      	Profit per Share 1株当たり中間純利益	Profit per Share (Diluted) 潜在株式調整後１ 株当たり 中間純利益
      Six months ended	¥	¥
      September 30, 2025	62.50	-
      September 30, 2024	52.79	-

   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
   	¥Million	¥Million	%
   September 30, 2025	20,943,626	1,231,679	5.8
   March 31, 2025	21,631,292	1,145,190	5.2

   (Reference) Capital assets Period ended September 30, 2025: ¥1,231,679million 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 Ending March 31, 2026	¥ — —	¥ 18.00 24.00	¥ —	¥ 22.00	¥ 40.00
   Ending March 31,2026 (Forecast)			—	24.00	48.00

   Note: Revisions of released cash dividends projections: None

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)

   	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
   Fiscal year Ending March 31, 2026	¥Million 124,300	% 15.6	¥Million 85,000	% 14.4	¥ 120.68

   (Note) Revision of earnings forecast compared to most recent announcement: None

   The Bank is acquiring its own shares based on a resolution at the Board of Directors’ Meeting held on September 29, 2025. The impact of the acquisition is included in “Profit per share” stated above.

   *Notes

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

   3. Number of Issued Shares (Common Stock)

1. Financial Highlights (from April 1, 2025 to September 30, 2025)

   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 中間純利益
      Six months ended Ended September 30, 2025 Ended September 30, 2024	¥Million 194,531 160,293	% 21.3 15.6	¥Million 64,223 55,067	% 16.6 9.7	¥Million 45,463 39,811	% 14.1 9.2

      	Profit per Share １株当たり中間純利 益
      Six months ended	¥
      Ended September 30, 2025	64.26
      Ended September 30, 2024	55.64

   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
   First half	¥Million	¥Million	%
   Ended September 30, 2025	20,851,776	1,137,820	5.4
   Fiscal year 2024	21,530,580	1,052,821	4.8

   (Reference) Capital assets Period ended September 30, 2025: ¥1,137,820 million FY2024: ¥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 FY2025 (from April 1, 2025 to March 31, 2026)

(%: 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 September 29, 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 the audit procedures, which are based on the Financial Instruments and Exchange Law. The audit procedures are not finished at the time of release of these financial statements.

Explanation for proper use of projections and other notes

1. Chiba Bank falls under the category of “Specified Business Corporation” under Article 18-2 of the Cabinet Office Ordinance Concerning Disclosure of Public Companies; accordingly, it has prepared its interim consolidated financial statements and interim non-consolidated financial statements for the six months ended September 30, 2025.

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

Table of contents

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. Consolidated Interim Financial Statements and Main Notes 5

   1. Consolidated Interim Balance Sheet 5

   2. Consolidated Interim Statements of Income and Comprehensive Income 7

   3. Consolidated Interim Statement of Changes in Net Assets 9

   4. Note regarding Consolidated Interim Financial Statements 11

      (Note regarding Changes in Shareholders’ Equity) 11

      (Note regarding Changes the Going Concern Assumption) 11

      (Note regarding Subsequent Events) 11

      (Note regarding Additional Information) 11

3. Non consolidated Interim Financial Statements 14

   1. Non consolidated Interim Balance Sheet 14

   2. Non consolidated Interim Statements of Income 16

   3. Non cosolidated Interim Statement of Changes in Net Assets 17

1. Summary of the Consolidated Business Results

   1. Summary of the Consolidated Business Results

      Looking back at the Japanese economy during six 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 remained in the high 0.40% level through the period. Secondary yield of long-term government bonds fell from around 1.50% to the lower 1.10%, but gradually moved up, rose to the mid 1.60% toward the end of the period. The Nikkei Stock Average tempurary rose from around 36,000-yen to the record high in the high 45,000-yen, and remained around 45,000-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 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”.

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

      Ordinary income was 211,370 million yen, an increase of 37,736 million yen compared to the previous year, mainly due to an increase in interest income. Ordinary expenses were 146,974 million yen, an increase of 27,675 million yen compared to the previous year, mainly due to an increase in interest expenses.

      As a result, ordinary profit was 64,395 million yen, an increase of 10,061 million yen, while profit attributable to owners of parent was 44,222 million yen, an increase of 6,449 million yen compared to the previous year.

   2. Summary of the Consolidated Financial Condition

      Total assets as of September 30, 2025 were 20,943.6 billion yen, a decrease of 687.6 billion yen compared to March 31, 2025. Figures for the Bank’s major accounts were as follows.

      The balance of deposits as of September 30, 2025 was 16,289.1 billion yen, an increase of 37.2 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 September 30, 2025 was 13,754.2 billion yen, an increase of

      571.0 billion yen compared to March 31, 2025. The balance of held of securities was 3,273.2 billion yen, an increase of

      94.2 billion yen compared to March 31, 2025.

   3. Explanation of the Consolidated Earnings Forecast

   There are no changes to the FY2025 Earnings Forecast released on May 8, 2025.

   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. Consolidated Interim Financial Statements and Notes

   1. Consolidated Interim Balance Sheet

      Item 科目

      (Japanese)

      Assets: （資産の部 ）

      As of March 31, 2025

      (¥ Million) As of

      September 30, 2025

      Cash and due from banks	現	金	預		け		金	4,245,781	2,825,691
      Call loans and bills bought	コールローン及び買入手形							448,130	464,088
      Receivables under securities borrowing transactions	債券貸借取引支払保証金							1,379	21,848
      Monetary claims bought	買	入	金		銭	債	権	23,156	22,743
      Trading assets	特	定	取		引	資	産	16,496	18,308
      Money held in trust	金	銭		の		信	託	6,900	6,900
      Securities	有		価		証		券	3,178,969	3,273,268
      Loans and bills discounted	貸			出			金	13,183,185	13,754,252
      Foreign exchanges	外		国		為		替	5,571	6,412
      Other assets	そ	の		他		資	産	338,967	361,247
      Tangible fixed assets	有	形	固		定	資	産	125,295	126,910
      Intangible fixed assets	無	形	固		定	資	産	23,927	26,428
      Net defined benefit asset	退	職 給	付 に 係			る 資	産	37,407	38,798
      Deferred tax assets	繰	延	税		金	資	産	2,946	2,391
      Customers' liabilities for acceptances and guarantees	支	払	承		諾	見	返	24,854	26,905
      Allowance for loan losses	貸	倒		引		当	金	(31,675)	(32,570)
      Total assets	資	産	の		部	合	計	21,631,292	20,943,626
      Liabilities: Deposits	預	（負債の部 ）					金	16,251,921	16,289,122
      Negotiable certificates of deposit	譲	渡 性 預					金	463,414	491,651
      Call money and bills sold コールマネー及び売渡手形 1,415,022 483,178
      Payable under repurchase agreements	売	現	先		勘		定	50,565	42,825
      Payables under securities lending transactions 債券貸借取引受入担保金 214,190 201,166
      Trading liabilities	特	定	取		引 負		債	9,435	19,372
      Borrowed money	借			用			金	1,637,445	1,702,371
      Foreign exchanges	外		国		為		替	845	1,225
      Bonds payable	社						債	44,831	44,647
      Borrowed money from trust account	信	託		勘	定		借	16,892	17,706
      Other liabilities	そ	の		他	負		債	314,202	324,077
      Net defined benefit liability	退	職 給	付	に	係 る		負 債	605	580
      Provision for directors' retirement benefits	役	員 退	職	慰	労 引		当 金	232	170
      Provision for reimbursement of deposits	睡眠預金払戻損 失引当金							421	314
      Provision for loyalty point programs	ポ イ ン ト 引 当 金							693	807
      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 55,194 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	26,905
      Total liabilities	負	債	の	部	合	計	20,486,102	19,711,947

      Item 科目

      (Japanese)

      Net assets: （純資産の部）

      As of March. 31, 2025

      (¥ Million) As of

      September 30, 2025

      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	866,333
      Treasury shares	自		己		株		式	(75,104)	(74,989)
      Total shareholders' equity	株	主	資		本	合	計	1,029,997	1,058,629
      Valuation difference on available-for-sale securities	その他有価証券 評価差額金							80,195	124,288
      Deferred gains or losses on hedges	繰 延 ヘ ッ ジ 損 益							17,650	31,218
      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	7,722
      Total accumulated other comprehensive income	その他の包括利益累計額合計							115,193	173,049
      Total net assets	純 資 産 の 部 合 計							1,145,190	1,231,679
      Total liabilities and net assets	負債及び純資産の部合計							21,631,292	20,943,626

   2. Consolidated Interim Statement of Income and Comprehensive Income

      Consolidated Interim Statement of Income

      Item 科目

      (Japanese)

      For the six months ended September 30,

      2024

      (¥ Million)

      For the six months ended September 30,

      2025

      Ordinary income	経	常		収			益	173,634	211,370
      Interest income	資	金 運		用		収	益	113,684	145,908
      Interest on loans and discounts	( う ち 貸 出 金					利 息 )		71,016	91,537
      Interest and dividends on securities	( うち有価証券利息					配当金)		29,905	38,305
      Trust fees	信		託		報		酬	40	44
      Fees and commissions income	役	務	取	引	等	収	益	32,562	32,851
      Trading income	特	定	取		引	収	益	520	342
      Other ordinary income	そ	の	他	業	務	収	益	2,841	2,636
      Other income	そ	の	他	経	常	収	益	23,984	29,586
      Ordinary expenses	経		常		費		用	119,299	146,974
      Interest expenses	資	金	調		達	費	用	39,163	53,849
      Interest on deposits	(	う ち 預		金 利 息			)	13,092	24,689
      Fees and commissions payments	役	務	取	引	等	費	用	10,931	12,088
      Trading expenses	特	定	取		引	費	用	12	62
      Other ordinary expenses	そ	の	他	業	務	費	用	2,106	10,506
      General and administrative expenses	営		業		経		費	47,605	51,742
      Other expenses	そ	の	他	経	常	費	用	19,480	18,726
      Ordinary profit	経		常		利		益	54,334	64,395
      Extraordinary income	特		別		利		益	0	1
      Gain on disposal of non-current assets	固	定	資	産	処	分	益	0	1
      Extraordinary losses	特		別		損		失	76	1,637
      Loss on disposal of non-current assets	固	定	資	産	処	分	損	76	143
      Impairment loss	減		損		損		失	-	1,494

      中 間 純 利 益

      Net income pre-tax adjustment 税 金 等 調 整 前

      及 び 事 業 税

      Income taxes-current 法 人 税 、 住 民 税

      54,258 62,759

      15,299 19,014

      Income taxes-deferred 法 人 税 等 調 整 額 1,186 (477)

      Total income taxes	法	人 税	等 合	計	16,485	18,537
      Net income	中	間 純	利	益	37,772	44,222
      親 会 社 株 主 に 帰 属 す る

      Profit attributable to owners of parent

      中 間 純 利 益 37,772 44,222

      Consolidated Interim Statement of Comprehensive Income

      (¥ Million)

      科目 For the six months For the six months Item (Japanese) ended September 30, ended September 30, 2024 2025
      Net income	中 間 純 利			益	37,772	44,222
      Other comprehensive income	そ の 他 の 包 括 利			益	(35,553)	57,631
      Valuation difference on available-for-sale securities	その他有価証券評価差額			金	(21,548)	43,927
      Deferred gains or losses on hedges	繰 延 ヘ ッ ジ 損			益	(13,876)	13,567
      Remeasurements of defined benefit plans, net of tax	退 職 給 付 に 係 る 調 整			額	(80)	(29)
      Share of other comprehensive income of entities 持分法適用 会社に 対する (47) 166 accounted for using equity method 持 分 相 当 額
      Comprehensive income	中	間 包	括 利	益	2,219	101,853
      (Breakdown)	（	内	訳	）
      Comprehensive income attributable to owners of parent 親会社株主に係る中間包括利益 2,219 101,853

   3. Consolidated Interim Statement of Changes in Net Assets

      For the six months ended September 30, 2024

      (¥ Million)

      	(Japanese)	Shareholders' equity
      		株主資本
      		Capital stock	Capital surplus	Retained earnings	Treasury shares	Total sharehold-ers' equity
      		資本金	資本 剰余金	利益 剰余金	自己株式	株主資本 合計
      Balance at the beginning of current period	当 期 首 残 高	145,069	122,185	796,209	(72,800)	990,662
      Changes of items during period	当 中 間 期 変 動 額
      Dividends from surplus	剰 余 金 の 配 当			(12,162)		(12,162)
      Profit attributable to owners of parent	親会社株主に帰属する 中 間 純 利 益			37,772		37,772
      Purchase of treasury shares	自 己 株 式 の 取 得				(1)	(1)
      Disposal of treasury shares	自 己 株 式 の 処 分		45		48	93
      Net changes of items other than shareholders' equity	株主資本以外の項目の 当中間期変動額（ 純額）
      Total changes of items during period	当中間期変動額合計	-	45	25,610	47	25,703
      Balance at the end of current period	当 中 間 期 末 残 高	145,069	122,230	821,819	(72,753)	1,016,365

      	(Japanese)	Accumulated other comprehensive income					Total net assets
      		その他の包括利益累計 額
      		Valuation difference on available-for-sale securities	Deferred gains or losses on hedges	Revaluation reserve for land	Remeasurements of defined benefit plans	Total accumulated other comprehensive income
      		その他有価証券評価差額金	繰延ヘッ ジ損益	土地再評 価差額金	退職給付に係る調整累計額	その他の包括利益累計額 合計	純資 産合計
      Balance at the beginning of current period	当 期 首 残 高	159,893	16,279	9,929	4,738	190,840	1,181,503
      Changes of items during the period	当 中 間 期 変 動 額
      Dividends from surplus	剰 余 金 の 配 当						(12,162)
      Profit attributable to owners of parent	親会社株主に帰属する 中 間 純 利 益						37,772
      Purchase of treasury shares	自 己 株 式 の 取 得						(1)
      Disposal of treasury shares	自 己 株 式 の 処 分						93
      Net changes of items other than shareholders' equity	株主資本以外の項目の 当中間期変動額（ 純額）	(21,596)	(13,876)	-	(80)	(35,553)	(35,553)
      Total changes of items during the period	当中間期変動額合計	(21,596)	(13,876)	-	(80)	(35,553)	(9,850)
      Balance at the end of current period	当 中 間 期 末 残 高	138,296	2,403	9,929	4,657	155,286	1,171,652

      For the six months ended September 30, 2025

      (¥ Million)

      	(Japanese)	Shareholders' equity
      		株主資本
      		Capital stock	Capital surplus	Retained earnings	Treasury shares	Total sharehold- ers' equity
      		資本金	資本 剰余金	利益 剰余金	自己株式	株主資本 合計
      Balance at the beginning of current period	当 期 首 残 高	145,069	122,134	837,898	(75,104)	1,029,997
      Changes of items during period	当 中 間 期 変 動 額
      Dividends from surplus	剰 余 金 の 配 当			(15,562)		(15,562)
      Profit attributable to owners of parent	親会社株主に帰属する中 間 純 利 益			44,222		44,222
      Purchase of treasury shares	自 己 株 式 の 取 得				(1)	(1)
      Disposal of treasury shares	自 己 株 式 の 処 分		83		115	199
      Reversal of revaluation reserve for land	土地再評価差額金の取崩			(225)		(225)
      Net changes of items other than shareholders' equity	株主資本以外の項目の 当中間期変動額（純額）
      Total changes of items during period	当中間期変動額合計	-	83	28,434	114	28,632
      Balance at the end of current period	当 中 間 期 末 残 高	145,069	122,217	866,333	(74,989)	1,058,629

      	(Japanese)	Accumulated other comprehensive income					Total net assets
      		その他の包括利益累計 額
      		Valuation difference on available-for-sale securities	Deferred gains or losses on hedges	Revaluation reserve for land	Remeasurements of defined benefit plans	Total accumulated other comprehensive income
      		その他有価証券評価差額金	繰延ヘッ ジ損益	土地再評 価差額金	退職給付に係る調整累計額	その他の包括利益累計額 合計	純資 産合計
      Balance at the beginning of current period	当 期 首 残 高	80,195	17,650	9,594	7,752	115,193	1,145,190
      Changes of items during the period	当 中 間 期 変 動 額
      Dividends from surplus	剰 余 金 の 配 当						(15,562)
      Profit attributable to owners of parent	親会社株主に帰属する 中 間 純 利 益						44,222
      Purchase of treasury shares	自 己 株 式 の 取 得						(1)
      Disposal of treasury shares	自 己 株 式 の 処 分						199
      Reversal of revaluation reserve for land	土地再評価差額金の取崩						(225)
      Net changes of items other than shareholders' equity	株主資本以外の項目の 当中間期変動額（ 純額）	44,093	13,567	225	(29)	57,856	57,856
      Total changes of items during the period	当中間期変動額合計	44,093	13,567	225	(29)	57,856	86,488
      Balance at the end of current period	当 中 間 期 末 残 高	124,288	31,218	9,819	7,722	173,049	1,231,679

   4. Note regarding Consolidated Interim Financial Statements (Note regarding Changes in Shareholders’ Equity)

      Not applicable.

      (Note regarding Changes the Going Concern Assumption)

      Not applicable.

      (Note regarding Subsequent Events)

      Not applicable.

      (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	￥145.0 billion	￥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.

3. Non-consolidated Interim Financial Statements

1. Non-consolidated Interim Balance Sheet

   Item 科目

   (Japanese)

   Assets: （資産の部 ）

   As of March 31, 2025

   (¥ Million)

   As of September 30, 2025

   Cash and due from banks	現	金 預				け	金	4,236,671	2,817,414
   Call loans	コ	ー ル			ロ	ー	ン	448,130	464,088
   Receivables under securities borrowing transactions 債券貸借取引支払保証金 1,379 21,848
   Monetary claims bought	買	入	金		銭	債	権	18,032	17,990
   Trading assets	特	定	取		引	資	産	15,414	17,314
   Securities	有		価		証		券	3,162,013	3,252,052
   Loans and bills discounted	貸			出			金	13,233,344	13,818,063
   Foreign exchange	外		国		為		替	5,571	6,412
   Other assets	そ	の		他		資	産	252,791	272,809
   Tangible fixed assets	有	形	固		定	資	産	118,680	120,301
   Intangible fixed assets	無	形	固		定	資	産	15,498	18,275
   Prepaid pension cost	前	払	年		金	費	用	26,107	27,542
   Customers’ liabilities for acceptances and guarantees	支	払	承		諾	見	返	22,454	24,342
   Allowance for loan losses	貸	倒		引		当	金	(25,510)	(26,679)
   Total assets	資	産	の		部	合	計	21,530,580	20,851,776
   Liabilities: Deposits	預	（負債の部 ）					金	16,268,796	16,309,661
   Negotiable certificates of deposit	譲	渡 性 預					金	523,114	550,001
   Call money	コ	ー ル マ ネ					ー	1,415,022	483,178
   Payables under repurchase agreements	売	現 先 勘					定	50,565	42,825
   Payables under securities lending transactions 債券貸借取引受入担保金 214,190 201,166
   Trading liabilities	特	定	取		引	負	債	9,435	19,372
   Borrowed money	借			用			金	1,619,707	1,695,933
   Foreign exchanges	外		国		為		替	845	1,225
   Bonds payable	社						債	44,831	44,647
   Borrowed money from trust account	信	託		勘		定	借	16,892	17,706
   Other liabilities	そ	の		他		負	債	258,863	266,471
   Income taxes payable	未	払	法		人	税	等	15,835	16,498
   Asset retirement obligations	資	産	除		去	債	務	4	-
   Other	そ	の	他		の	負	債	243,023	249,973
   Provision for reimbursement of deposits	睡眠預金払戻損 失引当金							421	314
   Provision for loyalty point programs	ポ イ ン ト 引 当 金							649	770

   Deferred tax liabilities 繰 延 税 金 負 債 21,279 45,731 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	22,454	24,342
   Total liabilities	負	債	の	部	合	計	20,477,758	19,713,956

   							(¥ Million)
   Item 科目					As of March 31,		As of September 30,
   (Japanese)					2025		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
   Legal capital surplus	資	本	準	備	金	122,134	122,134
   Other capital surplus	そ	の 他	資 本	剰 余	金	-	83
   Retained earnings	利	益	剰	余	金	767,280	796,956
   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	746,026
   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	64,708
   Treasury shares	自	己 株			式	(75,104)	(74,989)
   Total shareholders’ equity	株	主 資 本 合			計	959,379	989,253
   Valuation difference on available-for-sale securities	その他有価証券評価差額金					66,197	107,528
   Deferred gains or losses on hedges	繰 延 ヘ ッ ジ 損 益					17,650	31,218
   Revaluation reserve for land	土 地 再 評 価 差 額 金					9,594	9,819
   Total valuation and translation adjustments	評 価 ・ 換 算 差 額 等 合 計					93,442	148,566
   Total net assets	純 資 産 の 部 合 計					1,052,821	1,137,820
   Total liabilities and net assets	負債及び純資産の部合計					21,530,580	20,851,776

2. Non-consolidated Interim Statement of Income

   Item

   科目

   (Japanese)

   For the six months ended September 30,

   2024

   (¥ Million)

   For the six months ended September 30,

   2025

   Ordinary income	経	常	収		益	160,293	194,531
   Interest income	資	金 運	用	収	益	118,022	149,395

   Interest on loans and discounts ( う ち 貸 出 金 利 息 ) 71,106 91,719 Interest and dividends on securities ( うち有価証券利息配当金) 34,193 41,658

   Trust fees	信		託		報		酬	40	44
   Fees and commissions income	役	務	取	引	等	収	益	28,499	28,654
   Trading income	特	定	取		引	収	益	519	338
   Other ordinary income	そ	の	他	業	務	収	益	2,820	2,614
   Other income	そ	の	他	経	常	収	益	10,391	13,484
   Ordinary expenses	経		常		費		用	105,226	130,307
   Interest expenses	資	金	調		達	費	用	39,134	53,872
   Interest on deposits	( う ち 預 金 利 息						)	13,094	24,694
   Fees and commissions payments	役 務 取 引 等 費						用	11,758	12,823
   Trading expenses	特	定	取		引	費	用	12	62
   Other ordinary expenses	そ	の	他	業	務	費	用	2,106	10,506
   General and administrative expenses	営		業		経		費	44,622	48,213
   Other expenses	そ	の	他	経	常	費	用	7,593	4,829
   Ordinary profit	経		常		利		益	55,067	64,223
   Extraordinary gains	特		別		利		益	0	1
   Extraordinary losses	特		別		損		失	76	1,580
   Net income pre-tax adjustment	税	引 前 中 間 純				利	益	54,991	62,644
   Income taxes-current	法人税、住民税及び事業税							14,093	17,821
   Income taxes-deferred	法 人 税 等 調 整 額							1,087	(640)
   Total income taxes	法	人 税			等 合		計	15,180	17,180
   Net income	中	間		純	利		益	39,811	45,463

3. Non-consolidated Interim Statement of Changes in Net Assets

For the six months ended September 30, 2024

(¥ Million)

For the six months ended September 30, 2025

(¥ Million)

Table of Contents

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 2025, ending March 31, 2026, 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 Equity11

   7. Outstanding Balance of Deposits and Loans12

      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 Loans13

   9. Status of Coverage on Disclosed Claims under the Financial Reconstruction Law and Risk-monitored Loans14

   10. Allowance for Loan Losses15

       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. Earnings Projections20

1. ‌Financial Highlights

   1. ‌Summary

      • As a result of our activities to achieve the purpose and vision, non-consolidated core net business income increased by ¥12.5 billion compared with the corresponding period of the previous fiscal year to ¥65.7 billion, while ordinary profit increased by ¥9.1 billion to ¥64.2 billion, and net income also increased by

        ¥5.6 billion to ¥45.4 billion.

        Consolidated ordinary profit increased by ¥10.0 billion compared with the corresponding period of the previous fiscal year to ¥64.3 billion, and profit attributable to owners of parent increased by ¥6.4 billion to

        ¥44.2 billion.

      • The average balance of loans increased by ¥667.2 billion from the previous fiscal year, and the average balance of deposits increased by ¥321.9 billion.

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

   (¥ Billion)

   					For the six			For the six
   								months ended
   					months ended
   		(Japanese)			September 30, 2025	(a-b)	(a-b)/b	September 30, 2024
   					(a)			(b)
   Net business income (before provisions to general allowance for loan losses)		業 務 純 益 （ 一般貸引繰入前）			55.6	3.3	6.4%	52.2
   	Core net business income	コ	ア 業 務 純	益	65.7	12.5	23.5%	53.2
   		Excluding gains (losses) on cancellation of investment trusts	除く投資信託解約損益		63.4	11.6	22.6%	51.7
   Net business income		業	務 純	益	54.7	3.9	7.7%	50.8
   Ordinary profit		経	常 利	益	64.2	9.1	16.6%	55.0
   Net income		中	間 純 利	益	45.4	5.6	14.1%	39.8

   Projection for the first half of FY2025 (released on May 2025)

   54.8

   57.1

   -

   -

   60.4

   42.4

   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

   3.0

   (2.6)

   5.6

   5.5

40.7

59.8

1. ‌Loans and Deposits (¥ Billion)

   		(Japanese)	As of			As of March 31, 2025 (b)	As of September 30, 2024 (c)
   			September 30, 2025 (a)	(a-b)	(a-c)
   Term-end balance末 残	Loans and bills discounted	貸 出 金	13,818.0	584.7	772.6	13,233.3	13,045.4
   	Deposits	預 金	16,309.6	40.8	479.8	16,268.7	15,829.8
   Average balance平 残	Loans and bills discounted	貸 出 金	13,523.3	499.8	667.2	13,023.4	12,856.0
   	Deposits	預 金	16,167.5	317.0	321.9	15,850.4	15,845.6

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

1. ‌Income and Expenses ＜Non-consolidated＞

   • Gross business profits increased by ¥6.8 billion to ¥103.7 billion compared with the corresponding period of the previous fiscal year. Net interest income increased by ¥16.6 billion mainly due to an increase in interest on loans and deposits.

   • Expenses increased by ¥3.5 billion compared with the corresponding period of the previous fiscal year to

     ¥48.1 billion, mainly due to an increase in personnel expenses from active investment in human resources and strategic investments.

   • Credit-related expenses decreased by ¥2.6 billion compared with the corresponding period of the previous fiscal year to ¥3.0 billion, mainly due to a decrease in new downgrades of non-performing loans and net provisions to general allowance for loan losses.

(¥ Billion)

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

Effective from the six months ended September 30, 2025, we have partially revised the calculation method for fees related to corporate solutions within fees and commissions. As a result, compared to the previous calculation method, fees related to corporate solutions increased by ¥0.1 billion for the six months ended September 30, 2024, and by ¥0.1 billion for the six months ended September 30, 2025.

(Reference)

Note: “Number of employees” includes employees temporarily transferred to other companies but excludes temporary staff and one-year contract employees.

注:従業員数には、出向者を含み、臨時雇員及び嘱託を含んでおりません。

1. ‌Management Indices

   	(Japanese)	For the six			FY2024 ended March 31, 2025 (b)	For the six months ended September 30, 2024 (c)
   		months ended September 30, 2025 (a)	(a-b)	(a-c)
   Overhead ratio (OHR) *1 ＜Non-consolidated＞	ＯＨＲ	42.46%	(4.10%)	(2.95%)	46.56%	45.41%
   Return on average total assets *2 (ROA)＜Non-consolidated＞	ＲＯＡ	0.42%	0.08%	0.05%	0.34%	0.36%
   Return on equity (ROE) *3 ＜Non-consolidated＞	ＲＯＥ	8.27%	1.34%	0.96%	6.93%	7.31%
   Return on equity (ROE) ＜Consolidated / based on *4 total shareholders’ equity＞	ＲＯＥ	8.44%	1.09%	0.93%	7.34%	7.50%

   *1 OHR

   ＜Non-consolidated＞

   *2 ROA

   ＜Non-consolidated＞

   *3 ROE

   ＜Non-consolidated＞

   *4 ROE

   ＜Consolidated＞

   = Expenses

   Net business income – Gains (Losses) related to bonds, etc. + Net provision to general allowance for loan losses + Expense

   = Net income for the current fiscal (interim) year Average total assets

   = Net income for the current fiscal (interim) year

   (Total net assets at beginning of fiscal year + Total net assets at end of fiscal (interim) year) / 2

   = Profit attributable to owners of parent for the current fiscal (interim) year

   (Total shareholders’ equity at beginning of fiscal year + Total shareholders’ equity at end of fiscal (interim) year) / 2

   (The lower figure indicates better efficiency.)

2. ‌Investment and Borrowing ‌

   • A positive approach towards meeting the financial needs of customers brought an increase in the balance of loans of ¥772.6 billion compared to September 30, 2024, to ¥13,818.0 billion. Corporate loans and housing loans increased by ¥391.6 billion and ¥143.1 billion respectively.

   • The balance of deposits increased by ¥479.8 billion compared to September 30, 2024, to ¥16,309.6 billion, due to an increase of personal deposits etc.

   1. ‌Loans and Deposits

      (¥ Billion)

      				(Japanese)	As of			As of March 31, 2025 (b)	As of September 30, 2024 (c)
      					September 30, 2025 (a)	(a-b)	(a-c)
      Loans and bills discounted (Term-end balance)				貸 出 金 （ 末 残 ）	13,818.0	584.7	772.6	13,233.3	13,045.4
      	Domestic operations			国 内 向 け 貸 出	13,322.0	565.2	688.4	12,756.8	12,633.6
      		Corporate loans		事 業 者 向 け 貸 出	8,332.1	272.1	391.6	8,060.0	7,940.5
      			Small and medium-	うち中小企業向 け貸出①	6,524.8	154.1	274.0	6,370.6	6,250.7
      			sized enterprises (i)
      		Consumer loans (ii)		消 費 者 ロ ー ン ②	4,436.4	98.0	158.6	4,338.3	4,277.7
      			Residential loans	う ち 住 宅 ロ ー ン	4,197.4	88.8	143.1	4,108.6	4,054.3
      		Public sector loans		公 共 向 け 貸 出	553.5	195.1	138.1	358.4	415.3
      		Small and medium-sized enterprises, etc. (i)+(ii)		うち中小企業向け貸出（①＋②）	10,961.2	252.2	432.7	10,709.0	10,528.5
      		[Ratio]		（中小企業等貸出比率）	[82.27%]	[(1.66%)]	[(1.05%)]	[83.94%]	[83.33%]
      	Overseas operations			海 外 向 け 貸 出	495.9	19.4	84.2	476.5	411.7
      Deposits (Term-end balance)				預 金 （ 末 残 ）	16,309.6	40.8	479.8	16,268.7	15,829.8
      	Domestic operations			国 内	15,769.7	24.3	349.6	15,745.4	15,420.1
      		Personal deposits		個 人	11,462.3	66.7	158.0	11,395.5	11,304.2
      		Corporate deposits		法 人	3,364.9	85.6	89.9	3,279.3	3,275.0
      		Public sector deposits		公 共	942.4	(128.0)	101.6	1,070.5	840.8
      	Overseas operations			海 外 店 等	539.9	16.5	130.1	523.3	409.7

      Loans and bills discounted (average balance)	貸 出 金 （ 平 残 ）	13,523.3	499.8	667.2	13,023.4	12,856.0
      Deposits (average balance)	預 金 （ 平 残 ）	16,167.5	317.0	321.9	15,850.4	15,845.6

      (Reference)

      New residential loans (¥ Billion)

      	(Japanese)	For the six			For the six months ended March 31, 2025 (b)	For the six months ended September 30, 2024 (c)
      		months ended September 30, 2025 (a)	(a-b)	(a-c)
      New residential loans	住宅ローン実行額	224.1	31.5	51.3	192.6	172.7

      Investment trusts and Personal annuities (¥ Billion)

      		As of			As of	As of
      	(Japanese)				March 31, 2025 (b)	September 30, 2024 (c)
      		September 30, 2025 (a)	(a-b)	(a-c)
      Balance of investment trusts	投 資 信 託 残 高	469.8	42.6	40.0	427.2	429.7

      (¥ Billion)

      		As of			As of	As of
      	(Japanese)				March 31, 2025 (b)	September 30, 2024 (c)
      		September 30, 2025 (a)	(a-b)	(a-c)
      Balance of personal annuities	個 人 年 金 保 険 等 残 高	952.7	30.9	54.8	921.7	897.8

   2. ‌Securities (Term-end balance)

   (¥ Billion)

   		(Japanese)	As of			As of March 31, 2025 (b)	As of September 30, 2024 (c)
   			September 30, 2025 (a)	(a-b)	(a-c)
   Securities		有 価 証 券	3,095.8	29.9	252.7	3,065.9	2,843.0
   	Government bonds	国 債	828.5	97.3	250.8	731.2	577.6
   	Stocks	株 式	119.3	(3.9)	26.2	123.2	93.0
   	Corporate bonds and others	社 債 他	1,254.7	(114.8)	(156.5)	1,369.5	1,411.2
   	Foreign currency securities	外 貨 建 有 価 証 券	893.3	51.2	132.2	842.0	761.1
   Average duration to maturity of yen bonds		円 貨 債 券 の 平 均 残 存 期 間	3.1 years	(0.3 years)	(0.8 years)	3.4 years	4.0 years

   Note : The above figures are acquisition costs except gains (losses) on valuation.

   注.評価損益を除いた取得原価で表示しております。

3. Assets Quality ＜Non-consolidated＞

   • Disclosed claims under the Financial Reconstruction Law and Risk-Monitored Loans decreased by ¥5.5billion from the previous fiscal year-end, to ¥116.0 billion, and non-performing loan ratio decreased by 0.07% to 0.83% from the the previous fiscal year-end.

   • The coverage ratio, including allowances, was at high level, 70.2% for total disclosed claims, 73.9% for doubtful claims, and 58.2% for substandard claims.

Disclosed Claims under the Financial Reconstruction Law and Risk-Monitored Loans (¥ Million)

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.

注.総与信残高：貸出金、外国為替、その他資産中の未収利息及び仮払金、 支払承諾、有価証券中の当行保証付私募社債。なお、当行保証付私募社債については時価で計上しております。

(Reference) Breakdown of coverage (¥ Million)

*1: Approximate data

*2: Allowance ratio: Ratio of allowance for possible loan losses to unsecured/non-guaranteed loans

*１.概算数値。

*２.引当率は、無担保・無保証部分に対する貸倒引当金の計上割合。

1. ‌Earnings Projections for Fiscal Year 2025, ending March 31, 2026, etc.

   (¥ Billion)

   	(Japanese)	FY 2025 ending March 31, 2026
   Ordinary profit	経 常 利 益	124.3
   Profit attributable to owners of parent	親会社株主に帰属する 当 期 純 利 益	85.0

   (¥ Billion)

   	(Japanese)					FY 2025 ending March 31, 2026
   Ordinary profit	経	常		利	益	121.6
   Net income	当	期	純	利	益	84.6

   	(Japanese)	FY 2025
   		For the six months ended September 30, 2025	ending March 31, 2026
   Dividends per share	１ 株 当 た り 配 当 金	¥24.00	¥48.00

   	(Japanese)	FY 2024
   		For the six months ended September 30, 2024	ended March 31, 2025
   Dividends per share	１ 株 当 た り 配 当 金	¥18.00	¥40.00

   (Referene)

1. ‌Financial Data

   1. ‌Income and Expenses

      ＜Non-consolidated＞ (¥ Million)

      				(Japanese)	For the six months		For the six months ended September 30, 2024 (b)
      					ended September 30, 2025 (a)	(a-b)
      Gross business profits				業 務 粗 利 益	103,782	6,890	96,892
      	Domestic gross business profits			国 内 業 務 粗 利 益	97,940	6,128	91,812
      		Net interest income		資 金 利 益	90,351	15,125	75,226
      		Net fees and commissions income		役 務 取 引 等 利 益	15,684	(951)	16,635
      		Net trading income		特 定 取 引 利 益	279	(155)	435
      		Net other ordinary income		そ の 他 業 務 利 益	(8,374)	(7,889)	(484)
      			Gains (losses) related to bonds	う ち 債 券 関 係 損 益	(8,679)	(8,476)	(203)
      	International gross business profits			国 際 業 務 粗 利 益	5,842	762	5,079
      		Net interest income		資 金 利 益	5,170	1,508	3,662
      		Net fees and commissions income		役 務 取 引 等 利 益	191	45	146
      		Net trading income		特 定 取 引 利 益	(3)	(75)	72
      		Net other ordinary income		そ の 他 業 務 利 益	483	(715)	1,198
      			Gains (losses) related to bonds	う ち 債 券 関 係 損 益	(1,476)	(689)	(787)
      General and administrative expenses (excluding non-recurrent expenses) (-)				経費（除く臨時処理分）(△)	48,152	3,500	44,652
      	Personnel expenses (-)			人 件 費 （ △ ）	23,048	2,281	20,767
      	Non-personnel expenses (-)			物 件 費 （ △ ）	21,342	912	20,429
      	Taxes (-)			税 金 （ △ ）	3,762	306	3,455
      Net business income (before provision to general allowance for loan losses)				業 務 純 益 （ 一 般 貸 引 繰 入 前 ）	55,629	3,389	52,239
      	Core net business income			コ ア 業 務 純 益	65,786	12,555	53,230
      		Excludinggains (losses) oncancellation of investment trusts		除く投資信託解約損益	63,410	11,695	51,714
      Netprovisions to(from) general allowanceforloanlosses (-)(i)				一般貸倒引当金純繰入額（△）	876	(538)	1,414
      Net business income				業 務 純 益	54,753	3,928	50,824
      Non-recurrent income and losses				臨 時 損 益	9,470	5,228	4,242
      	Disposal of non-performing loans (-) (ii)			不良債権処理額（ △ ）	2,131	(2,139)	4,270
      		Written-off of loans (-)		貸 出 金 償 却 （ △ ）	2,164	(1,248)	3,413
      		Netprovisions tospecific allowance for loanlosses (-)		個別貸倒引当金純繰入額（△）	578	(584)	1,163
      		Losses on sales of non-performing loans (-)		延滞債権等売却 損（△）	(252)	(303)	50
      		Provisiontoallowanceforspecificforeignborrowers/countries(-)		特定海外債権引当勘定繰入額(△)	-	-	-
      		Cost borne under joint responsibility system of credit guarantee corporations (-)		信用保証協会責任共有制度 負 担 金 （ △ ）	421	44	377
      		Reversal of allowance for loan losses		貸 倒 引 当 金 戻 入 益	-	-	-
      		Recoveries of written-off claims		償 却 債 権 取 立 益	780	46	733
      	Gains (losses) related to stocks, etc.			株 式 等 関 係 損 益	11,576	3,032	8,543
      	Other non-recurrent gains (losses)			そ の 他 臨 時 損 益	25	56	(30)
      Ordinary profit				経 常 利 益	64,223	9,156	55,067
      Extraordinary gains (losses)				特 別 損 益	(1,579)	(1,503)	(75)
      Net income pre-tax adjustment				税 引 前 中 間 純 利 益	62,644	7,653	54,991
      	Income taxes-current (-)			法人税、住民税及び事業税（△）	17,821	3,728	14,093
      	Income taxes-deferred (-)			法人税等調整額（ △ ）	(640)	(1,727)	1,087
      Total income taxes (-)				法 人 税 等 合 計 （ △ ）	17,180	2,000	15,180
      Net income				中 間 純 利 益	45,463	5,652	39,811

      Credit-related expenses (-) (i) + (ii)

      与 信 関 係 費 用 （ △ ）

      3,007

      (2,677)

      5,685

      ＜Consolidated＞

      (¥ Million)

      		(Japanese)			For the six months		For the six months ended September 30, 2024 (b)
      					ended September 30, 2025 (a)	(a-b)
      Consolidated net revenue		連	結 粗 利	益	105,278	7,842	97,435
      	Net interest income	資	金 利	益	92,059	17,537	74,521
      	Net fees and commissions income	役	務 取 引 等 利	益	20,807	(863)	21,671
      	Net trading income	特	定 取 引 利	益	280	(227)	507
      	Net other ordinary income	そ	の 他 業 務 利	益	(7,869)	(8,604)	734
      General and administrative expenses (-)		営	業 経 費 （ △	）	51,742	4,136	47,605
      Credit-related expenses (-)		(i)	与信関係費用①（△）		3,012	(2,686)	5,699
      	Written-off of loans (-)	貸	出 金 償 却 （ △	）	2,235	(1,224)	3,459
      	Net provisions to specific allowance for loan	個別貸倒引当金純繰入額(△)			89	(1,018)	1,107
      	losses (-)
      	Net provisions to general allowance for loan	一般貸倒引当金純繰入額(△)			1,333	(129)	1,462
      	losses (-)
      	Losses on sales of non-performing loans (-)	延滞債権等売却損（ △）			(252)	(303)	50
      	Provision to allowance for specific foreign borrowers /	特定海外債権引当勘定繰入額(△)			-	-	-
      	countries (-)
      	Cost borne under joint responsibility system	信用保証協会責 任共有制度			421	44	377
      	of credit guarantee corporations (-)	負 担 金 （ △ ）
      	Reversal of allowance for loan losses	貸	倒 引 当 金 戻 入	益	-	-	-
      	Recoveries of written off claims	償	却 債 権 取 立	益	813	54	758
      Gains (losses) related to stocks, etc.		株	式 等 関 係 損	益	11,995	2,851	9,144
      Equity in earnings of affiliates		持分法による 投資損益			209	119	90
      Others		そ	の	他	1,667	698	968
      Ordinary profit		経	常 利	益	64,395	10,061	54,334
      Extraordinary gains (losses)		特	別 損	益	(1,636)	(1,560)	(75)
      Net income pre-tax adjustment		税金等調整前中間純利益			62,759	8,500	54,258
      	Income taxes-current (-)	法人税､住民税及び事業税(△)			19,014	3,715	15,299
      	Income taxes-deferred (-)	法人税等調整額（ △ ）			(477)	(1,664)	1,186
      Total income taxes (-)		法	人 税 等 合 計 （ △	）	18,537	2,051	16,485
      Profit		中	間 純 利	益	44,222	6,449	37,772
      Profit attributable to owners of parent		親会社株主に帰属する 中 間 純 利 益			44,222	6,449	37,772

      Net business income (before provisions to general allowance for loan losses)	連 結 業 務 純 益 （ 一 般 貸 引 繰 入 前 ）	58,602	4,600	54,002
      Net business income	連 結 業 務 純 益	57,269	4,729	52,539

      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 transfer to (from) general allowance for loan losses - internal transactions

      (Number of consolidated companies) （連結対象会社数）

      Number of consolidated subsidiaries	連 結 子 会 社 数	9	1	8
      Number of affiliated companies applicable to the equity method	持 分 法 適 用 会 社 数	6	-	6

   2. ‌Net Business Income

      (¥ Million)

      	(Japanese)							For the six months		For the six months ended September 30, 2024 (b)
      								ended September 30, 2025 (a)	(a-b)
      (1) Net business income (before provision to general allowance for loan losses)	業 （	—	務 般 貸	引	純 繰 入	前	益 ）	55,629	3,389	52,239
      	Per head (in thousands of yen)	職員一人当たり( 千円)						14,030	507	13,523
      (2) Net business income	業	務		純		益		54,753	3,928	50,824
      	Per head (in thousands of yen)	職員一人当たり( 千円)						13,809	652	13,156

      Note: The average number of full-time employees (excluding transferred employees, temporary staff, and one-year contract employees) is used in the above calculation.

      注.職員数は、実働人員（出向人員、臨時雇員および嘱託を除く）の平均人員

   3. ‌Interest Rate Spread (Domestic Business)

      		(Japanese)							For the six months		For the six months ended September30, 2024 (b)
      									ended September 30, 2025 (a)	(a-b)
      (1) Average yield on interest earning assets (A)		資	金	運		用	利	回	1.12%	0.32%	0.79%
      	(i) Average yield on loans and bills discounted (B)	貸	出		金		利	回	1.18%	0.27%	0.91%
      	(ii)Average yield on securities	有	価	証		券	利	回	2.10%	0.34%	1.75%
      (2) Average yield on interest bearing liabilities (C)		資	金	調		達	原	価	0.68%	0.20%	0.48%
      	(i) Average yield on deposits and negotiable certificates of deposit (D)	預	金		等		利	回	0.17%	0.14%	0.02%
      	(ii) Expense ratio	経			費			率	0.56%	0.02%	0.53%
      (3)	Average interest rate spread (A) - (C)	総	資		金		利	鞘	0.44%	0.13%	0.31%
      	Difference between average yield on loans and deposits (B) - (D)	預	貸		金		利	差	1.01%	0.12%	0.89%

      Note: (1) and (2) are rounded down to the second decimal place, and (3) is the difference between (1) and (2).

   4. ‌Gains and Losses on Securities