Financial Results for the Three Months of FY2025 ending March 2026

August 4, 2025

Financial Results for the Three 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 day of cash dividend: -

Trading Accounts: Established

Supplementary Materials: Attached

IR Meeting: Not scheduled

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

1. Financial Highlights for the First Three Months (from April 1, 2025 to June 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四半期純利益
      Three months ended	¥Million	%	¥Million	%	¥Million	%
      June 30, 2025	102,755	16.7	31,070	8.1	21,783	8.7
      June 30, 2024	88,018	16.0	28,729	10.7	20,032	8.8

      Note: Comprehensive Income: Period ended June 30, 2025: ¥46,091million [ -% ]; Period ended June 30, 2024: △¥6,689 million [-%]

      	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
      Three months ended	¥	¥
      June 30, 2025	30.79	-
      June 30, 2024	28.00	-

   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	%
      June 30, 2025	22,249,418	1,175,718	5.2
      March 31, 2025	21,631,292	1,145,190	5.2

      (Reference) Capital Assets Period ended June 30, 2025: ¥1,175,718 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 Ending March 31, 2026	¥ - -	¥ 18.00	¥ -	¥ 22.00	¥ 40.00
   Ending March 31, 2026 (Forecast)		24.00	-	24.00	48.00

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

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

• Notes

  1. Material changes in consolidated subsidiaries during the first three 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:

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

     ② Other changes in accounting principles: None

     ③ Changes in accounting estimates: None

     ④ Restatement: None

  4. Number of Issued Shares (Common Stock)

     ① Number of issued shares (including treasury shares):

     June 30, 2025 805,521,087 shares March 31, 2025 805,521,087 shares

     ② Number of treasury shares:

     June 30, 2025 98,133,644 shares March 31, 2025 98,132,960 shares

     ③ Average number of issued shares:

     For the first three months of FY2025 707,387,536 shares

     For the first three months of FY2024 715,427,352 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 5

   1. Quarterly Consolidated Balance Sheet 5

   2. Quarterly Consolidated Statements of Income and Comprehensive Income 7

   3. Note regarding Quarterly Consolidated Financial Statements 9

(Note regarding Segment Information) 9

(Note regarding Changes in Shareholders' Equity) 9

(Note regarding Changes the Going Concern Assumption) 9

(Note regarding Quartetly Consolidated Statements of Cash Flows) 9

(Note regarding Subsequent Events) 9

1. Summary of the Consolidated Business Results

   1. Summary of the Consolidated Business Results

      Looking back at the Japanese economy during the first three 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 0.40% level through the period. Secondary yield of long-term government bonds gradually fell from the high 1.40% to the lower 1.10%, but hovered around 1.40% toward the end of the period. The Nikkei Stock Average temporarily fell from the high 35,000-yen's to the lower 31,000-yen's, but later recovered to over 40,000-yen level 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 three months of FY2025 were as follows.

      Ordinary income was 102,755 million yen, an increase of 14,736 million yen compared to the previous year, mainly due to an increase in interest income. Ordinary expenses were 71,685 million yen, an increase of 12,395 million yen compared to the previous year, mainly due to an increase in interest expenses.

      As a result, ordinary profit was 31,070 million yen, an increase of 2,340 million yen, while profit attributable to owners of parent was 21,783 million yen, an increase of 1,751 million yen compared to the previous year.

   2. Summary of the Consolidated Financial Conditions

      Total assets as of June 30, 2025 were 22,249.4 billion yen, an increase of 618.1 billion yen compared to March 31, 2025. Figures for the Bank's major accounts were as follows.

      The balance of deposits as of June 30, 2025 was 16,288.0 billion yen, an increase of 36.1 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 June 30, 2025 was 13,491.3 billion yen, an increase of 308.2 billion yen compared to March 31, 2025. The balance of held of securities was 3,231.7 billion yen, an increase of 52.7 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. Quarterly Consolidated Financial Statements and Main Notes

(1) Quarterly Consolidated Balance Sheet

Item 科目

(Japanese)

As of March 31, 2025

(¥ Million) As of

June 30, 2025

Call money and bills sold コールマネー及び売渡手形 1,415,022 1,923,977 Payables under repurchase agreements 売 現 先 勘 定 50,565 45,467 Payables under securities lending transactions 債券貸借取引受入担保金 214,190 222,368