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February 2, 2026 The Chiba Bank website [IR Library] Financial Highlights for the Nine Months of FY2025 Ending March 2026
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2 2 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 2 Table of Contents Financial Results for the Nine Months of FY2025 Purpose To create a local community better suited to bringing each person’s hope to life Vision An Engagement Bank Group that works closely with the community The 15th Mid-term Plan Engagement Bank Group ~ Phase 1 ~ Plan period April, 2023 ~ March, 2026 Summary of Financial Results Summary of Financial Results (Consolidated) Net Interest Income Average Balance / Yield of Loans and Bills Discounted Balance of Loans / Deposits at Term-end Securities ①② Net Fees and Commissions ①②③ Credit-related Expenses / FRA Claims General & Administrative Expenses Capital Adequacy Ratio / ROE / Shareholder Return ※ Earnings Forecast DX Incorporating Interest Rate Hikes①② Operation of Yen Bonds New downgrades（credit） trends 3 4 5 6 7 8-9 10-12 13 14 15 16 17 19-20 21 22 ※ The Capital Adequacy Ratio is currently being calculated Supplementary Materials
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3 3 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 3 Summary of Financial Results (Billion yen) Change Progress Gross business profit 142.7 158.6 15.8 213.6 74.2% Net interest income 117.2 145.1 27.8 192.5 75.4% Net fees and commissions 22.6 22.4 -0.1 31.2 72.1% Net Trading income 0.7 0.5 -0.1 0.8 70.5% Net other ordinary income 2.0 -9.5 -11.6 -10.9 88.0% Gains/losses related to bonds -1.4 -13.7 -12.2 -15.0 91.4% G&A expenses (-) 66.9 72.8 5.8 97.2 74.9% 75.7 85.7 9.9 116.3 73.6% Core business income 77.2 99.4 22.1 131.3 75.7% 75.1 94.9 19.8 124.3 76.3% Net provisions to general allowance for loan losses (-) 1.7 0.6 -1.0 2.0 32.7% Net business income 74.0 85.0 11.0 114.3 74.4% Non-recurring gains/losses 5.6 12.4 6.8 13.5 91.9% Disposal of non-performing loans (-) 4.9 5.3 0.3 10.0 53.7% Reversal of loan loss reserves - - - - #DIV/0! Gains/losses related to stocks, etc. 10.2 17.8 7.5 25.0 71.5% Ordinary profit 79.6 97.5 17.8 127.9 76.2% Extraordinary gains/losses -0.3 -1.8 -1.4 -2.2 81.6% Net income 56.4 68.6 12.2 88.9 77.1% Credit-related expenses (-) 6.6 6.0 -0.6 12.0 50.2% (Billion yen) Change Progress Ordinary profit 79.7 99.7 19.9 131.6 75.7% Profit attributable to owners of parent 54.5 68.8 14.2 90.0 76.4% (Ref.) 80.8 92.5 11.7 125.2 73.9%Consolidated net business income (before provisions to general allowance for loan losses) Excl. gains/losses on the cancelation of investment trusts Net business income (before provisions to general allowance for loan losses) FY2025 Plan* FY2025 Plan FY2024 1-3Q FY2024 1-3Q FY2025 1-3Q FY2025 1-3QConsolidated Non-consolidated 54.5 68.8 Net interest income +27.8 Credit-related expenses +0.6 Other +1.5 Dif. between consolidated and non-consolidated +2.0 Net fees and commissions -0.1 Net trading income / Net other ordinary income -11.8 G&A expenses -5.8 FY2024 1-3Q FY2025 1-3Q (Billion yen) Breakdown of Profit Attributable to Owners of Parent (non-consolidated + difference between consolidated and non-consolidated results) *Plan for FY2025 is revised from the figures disclosed on November 7, 2025 (disclosed on February 2, 2026) Interest on domestic loans and deposits＋15.0 Interest and dividends on domestic securities+8.3 Interest on deposits with BOJ +4.9etc. ◆ Net interest income YoY＋27.8 billion yen Balance of loans at term-end YoY＋6.3％ Domestic operations yield of loans and bills discounted YoY＋0.26％ （Quarterly Comparison） Domestic operations Difference between yield on loans and deposits YoY+0.16% （Quarterly Comparison） ◆ Net Fees and Commissions YoY -0.1 billion yen Corporate solutions-related revenue YoY -0.1 billion yen ◆ Gains/losses related to bonds YoY -12.2billion yen ◆ G&A expenses YoY +5.8 billion yen ◆ Credit-related expenses YoY -0.6 billion yen （50.2% progress） ◆ Net income Non-consolidated:Achieved record high for the third quarter for five consecutive terms Consolidated:Achieved record high for the third quarter for four consecutive terms Policy interest rate：0.75% Gains/loses related to bonds (Government bonds, etc.)-12.2 etc.
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4 4 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 4 Summary of Financial Results (Consolidated) (Billion yen) Change Consolidated net revenue 146.0 162.9 16.8 Net interest income 113.1 141.9 28.8 Net fees and commissions 30.0 30.0 -0.0 Net trading income 0.7 0.5 -0.1 Net other ordinary income 2.1 -9.5 -11.7 G&A expenses (-) 71.7 78.4 6.6 Credit-related expenses (-) 7.2 6.2 -0.9 1.7 1.1 -0.6 Disposal of non-performing loans (-) 5.4 5.1 -0.3 Gains/losses related to stocks, etc. 10.8 18.3 7.4 Gains/losses on equity-method investments 0.1 0.3 0.1 Other 1.6 2.8 1.1 Ordinary profit 79.7 99.7 19.9 Extraordinary gains/losses -0.3 -1.5 -1.2 Net income pre-tax adjustment 79.3 98.1 18.7 Total corporate income taxes (-) 24.8 29.3 4.4 Net income 54.5 68.8 14.2 Profit attributable to non-controlling interests - - - Profit attributable to owners of parent 54.5 68.8 14.2 (Ref.) 80.8 92.5 11.7Consolidated net business income (before provisions to general allowance for loan losses) FY2024 1-3Q FY2025 1-3Q Net provisions to general allowance for loan losses (-) Consolidate [Consolidated subsidiaries] (Billion yen) Investment ratio Profit items (including indirect) (after deduction of inter- subsidiary dividends) Change Ordinary profit -0.3 0.0 0.3 Net income -0.3 -0.1 0.2 Ordinary profit 0.4 0.9 0.4 Net income 0.3 0.6 0.2 Ordinary profit 4.3 4.3 -0.0 Net income 2.8 2.8 -0.0 Ordinary profit 0.2 0.2 0.0 Net income 0.1 0.1 0.0 Ordinary profit 0.2 0.4 0.1 Net income 0.1 0.5 0.3 Ordinary profit 5.0 5.9 0.9 Net income 3.0 4.0 0.9 [Equity method subsidiaries] Net income according to equity method 0.1 0.3 0.1 Dividends to parent company (-) 4.6 3.7 -0.9 Dif. between consolidated and non-consolidated* -1.8 0.1 2.0 *After adjusting for unrealized gains, etc. Chibagin Card Co., Ltd. 100% Total of 6 companies Total of 5 other companies* 100% Total of 9 companies Chibagin Leasing Co., Ltd. 100% Chibagin Guarantee Co., Ltd. 100% FY2024 1-3Q FY2025 1-3QCompany name Chibagin Securities Co., Ltd. 100% *Showing profit/loss after reclassification for consolidated financial statements Subsidiaries * In December 2024, acquisition of EDGE Technology as a wholly owned subsidiary
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5 5 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Deposit+0.1Deposit+0.2Deposit+0.0 - 9.5 - 5.3 - 16.2 +4.1 +4.1 +3.9 +4.3 +3.2 +5.8 -2.9 -2.6 Yield +0.0 +11.4 +5.7 +25.4 +1.3 +1.7 +3.9 +6.2 +3.6 +15.0 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 Net Interest Income 98.5 100.2 104.2 110.4 81.4 96.4 25.1 31.2 28.0 39.4 30.5 40.4 8.1 8.8 4.4 6.9 5.2 8.2131.8 140.3 136.6 156.7 117.2 145.1 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) Domestic interest on loans and deposits +18.4% Overseas +55.0％ Domestic interest and dividends on securities, other +32.6％ 【Year-on-year】 〔Total〕+23.7％ Loans volume factors Total Loans yield factors (Billion yen) Change Net interest income 117.2 145.1 27.8 Domestic 111.9 136.9 24.9 Interest on loans and deposits 81.4 96.4 15.0 Loans and bills discounted 87.0 118.2 31.2 Deposits incl. NCDs (-) 5.5 21.7 16.2 Interest and dividends on securities 25.5 33.9 8.3 Bonds 5.4 8.7 3.3 Stock dividends 11.7 11.7 -0.0 Investment funds 1.6 1.8 0.2 Investment trusts 6.7 11.5 4.8 Gains on cancellations 1.5 3.6 2.0 Other (market operations, etc.) 4.9 6.5 1.5 Overseas 5.2 8.2 2.9 Loans and bills discounted 23.9 23.6 -0.3 Foreign securities 25.6 29.2 3.5 Foreign securities 23.4 26.5 3.1 Foreign currency funds 1.3 1.4 0.0 Investment trusts 0.8 1.1 0.3 Gains on cancelations 0.5 0.9 0.3 Other (funding, market operations, etc.) -44.3 -44.6 -0.3 115.1 140.6 25.4 Gains on the cancellation of investment trusts 2.1 4.5 2.3 FY2025 1-3Q FY2024 1-3Q Net interest income (excluding gains on the cancellation of investment trusts) Net interest income Factors behind change in domestic interest on loans and deposits (year-on-year) Deposit factors (Billion yen) 1-3Q 1-3Q 1-3Q 1-3Q
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6 6 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Average Balance / Yield of Loans and Bills Discounted 406.2 422.7 510.1 589.1 601.4 669.2 1.06% 3.20% 5.31% 5.14% 5.29% 4.69% 0.97% 1.06% 0.56% 0.59% 0.55% 0.87% FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) 11,048.2 11,529.1 11,986.3 12,434.2 12,377.7 13,021.0 0.89% 0.87% 0.87% 0.96% 0.93% 1.20% 0.89% 0.87% 0.87% 0.90% 0.89% 1.02% FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 Average balance of loans and bills discounted +5.1％ Average balance of loans and bills discounted +11.2％ 【Year-on-year】 Domestic Operations Average balance / yield of loans and bills discounted Overseas Operations Average balance / yield of loans and bills discounted Avg. balance 10,844.0 11,276.1 11,782.2 12,244.1 12,197.5 12,724.5 Yield 0.91% 0.89% 0.88% 0.97% 0.94% 1.21% Excluding Ministry of Finance loans (Billion yen) 【Year-on-year】 Average yield on loans and bills discounted -0.59% Difference between average yield on loans and deposits* +0.32% Average yield on loans and bills discounted +0.27% Difference between average yield on loans and deposits* +0.13% * ① ”Yield on loans and bills discounted” and ②” Yield on deposits” (which includes NCDs) are rounded down to the second decimal place. “Difference between average yield on loans and deposits” is the difference between ① and ②. 【Reference】Exchange rate（Telegraphic Transfer Middle Rate at the end of month） USD 1 JPY122.39 JPY133.53 JPY151.41 JPY149.52 JPY158.18 JPY156.56 1-3Q 1-3Q 1-3Q 1-3Q 0.01% 0.03% 0.08% 0.11% 0.17% 0.18% 0.19% 0.89% 0.92% 0.97% 1.07% 1.15% 1.21% 1.24% FY2024 1Q FY2024 2Q FY2024 3Q FY2024 4Q FY2025 1Q FY2025 2Q FY2025 3Q Domestic Operations Quarterly Trend in Yield on Loans and Deposits 1.05％ Difference between yield on loans and deposits Yield on loans yield on deposits incl. NCDs 0.89％
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7 7 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Balance of Loans / Deposits at Term-end 7,069.7 7,261.8 7,443.7 7,549.6 7,529.1 7,746.1 581.0 590.6 599.3 604.2 601.9 615.0 3,775.1 3,984.2 4,302.6 4,602.9 4,599.7 5,184.2 11,425.9 11,836.7 12,345.8 12,756.8 12,730.7 13,545.5 3/2022 3/2023 3/2024 3/2025 12/2024 12/2025 (Billion yen) 7 Large/mid- sized corporations +5.4％ SMEs +5.3％ Residential loans +4.9％ Other consumer loans +7.5％ Public sector +43.4％ Chiba Pref. (growth areas) +2.8％ Outside Chiba Pref. +12.7％ 1,504.2 1,542.4 1,635.6 1,689.3 1,741.2 1,836.3 5,426.3 5,753.7 6,098.0 6,370.6 6,307.5 6,644.5 3,834.3 3,917.7 4,026.0 4,108.6 4,074.8 4,275.0189.9 199.6 215.3 229.7 226.6 243.8 470.9 423.1 370.8 358.4 380.5 545.7 265.4 316.9 422.1 476.5 495.8 521.5 11,691.3 12,153.6 12,768.0 13,233.3 13,226.6 14,067.0 3/2022 3/2023 3/2024 3/2025 12/2024 12/2025 (Billion yen) Overseas operations +5.1％ Retail +1.5％ Public sector -2.9％ Overseas operations, JOM accounts +11.0％ 10,535.3 10,918.3 11,210.7 11,395.5 11,520.9 11,695.0 3,003.7 3,055.5 3,174.8 3,279.3 3,239.7 3,385.4 982.0 1,117.7 1,161.7 1,070.5 747.4 725.6 266.5 332.7 404.2 523.3 476.4 529.214,787.6 15,424.4 15,951.6 16,268.7 15,984.5 16,335.4 3/2022 3/2023 3/2024 3/2025 12/2024 12/2025 (Billion yen) Corporate +4.4％ Balance of deposits at term-end Balance of domestic loans at term-end (by region) Balance of loans at term-end Chiba Pref. (regional revitalization areas) +2.1％ Of which, corporate loans ＋8.2％ Of which, corporate loans +2.5％ Of which, corporate loans ＋3.0％ 【As compared to December 31, 2024】 〔Total〕+6.3％ 【As compared to December 31, 2024】 〔Total〕+6.3％ 【As compared to December 31, 2024】 〔Total〕+2.1％
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8 8 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 5.2 4.2 4.7 4.5 4.0 1.3 1.0 1.1 1.2 1.5 3/2022 3/2023 3/2024 3/2025 12/2025 (Billion yen) Securities ① 575.4 658.1 804.9 842.0 960.2 105.0 101.0 97.6 123.2 117.1540.1 553.2 549.7 628.8 606.2 561.9 546.3 525.9 473.3 432.4366.7 310.8 269.2 267.2 215.2165.8 282.7 425.7 731.2 874.2 2,315.1 2,452.3 2,673.2 3,065.9 3,205.4 5.2 4.1 4.3 3.4 3.1 2.7 2.0 2.0 1.9 2.0 3/2022 3/2023 3/2024 3/2025 12/2025 (Billion yen) (Years) Government bonds +19.5％ Stocks -4.9％ Foreign currency securities +14.0% Corporate bonds, etc. -8.6％ *1 Excluding unrealized gains/losses Investment trusts, etc. -3.5％ Municipal bonds -19.4% *2 After hedging via asset swaps 〔Total〕+5.9％ (Billion yen) Change Interest income on securities 51.2 63.1 11.9 Bonds 28.8 35.3 6.4 Domestic 5.4 8.7 3.3 Overseas 23.4 26.5 3.1 Stocks 11.7 11.7 -0.0 Investment trusts, etc. 10.5 16.0 5.5 Gains/losses from investment trust cancellations 2.1 4.5 2.3 -1.4 -13.7 -12.2 Gains on sales 0.7 0.5 -0.2 Losses on sales (-) 1.5 12.8 11.2 Redemptions (-) 0.7 1.4 0.6 Gains/losses related to stocks, etc. 10.2 17.8 7.5 Gains on sales 11.2 18.5 7.3 Losses on sales (-) 0.9 0.2 -0.7 Redemptions (-) 0.0 0.4 0.4 FY2024 1-3Q FY2025 1-3Q Gains/loses related to bonds (Government bonds, etc.) Gains/losses on securities Balance*1 / average remaining maturity*2 of securities 10 BPV Held-to-maturity securities Yen bonds -0.4 Foreign bonds +0.3 8.6 9.3 3.0 1.4 － Average remaining maturity of foreign bonds +0.0 years Average remaining maturity of yen bonds -0.3 years 【As compared to March 31, 2025】 【As compared to March 31, 2025】 〔Total〕+4.5％
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9 9 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. ■After taking into account unrealized gains/losses on deferred hedge swaps Securities ② 144.4 150.3 239.5 194.6 256.6 Yen -8.3 -11.4 -27.5 -83.5 -141.4 -14.5 -30.0 -32.3 -24.3 -19.7 26.4 Other -6.8 23.8 9.2 64.7 148.1 101.9 203.5 96.0 160.1 -180 -120 -60 0 60 120 180 240 300 3/2022 3/2023 3/2024 3/2025 12/2025 (Billion yen) ↑Gains ↓Losses * Including overseas CDs Unrealized gains/losses on other securities Yen bonds -57.8 Stocks +61.9 Other +55.4 Foreign bonds +4.6 144.4 150.3 239.5 194.6 256.6 Yen -5.1 -14.0 -24.1 -58.9 -73.3Foreign -10.2 -13.7 -10.5 -10.5 -4.7 26.4 Other -6.8 23.8 9.2 64.7 155.5 115.7 228.7 134.5 243.2 -100 -50 0 50 100 150 200 250 300 3/2022 3/2023 3/2024 3/2025 12/2025 (Billion yen) ↑Gains ↓Losses Ratio of cross-shareholdings to consolidated net assets 232.5 211.1 201.6 199.7 247.7 95.9 82.1 56.6 89.4 88.0 21.95% 19.90% 17.06% 17.45% 19.94% 3/2022 3/2023 3/2024 3/2025 12/2025 (Billion yen) Book value △1.4 Market value +47.9 Yen bonds -14.4 Stocks +61.9 Other +55.4 Foreign bonds +5.7 *Cross-shareholdings are shown on a non-consolidated basis Ratio of cross- shareholdings to consolidated net assets (Market value) +2.49% 【As compared to March 31, 2025】 【As compared to March 31, 2025】 【As compared to March 31, 2025】 Total +64.1 Total +108.7 Cross-shareholdings/number of stocks held 147 126 100 93 91 138 139 141 141 139 285 265 241 234 230 3/2022 3/2023 3/2024 3/2025 12/2025 Unlisted stock Listed stock Status of pure investment stocks held 3/2025 12/2025 As compared to 3/2025 Market value (Billion yen) 118.1 126.0 +7.9 Book value (Billion yen) 33.7 29.0 -4.6 Number of stocks held 23 21 -2
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10 10 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 7.1 6.3 5.9 4.9 3.8 3.3 13.2 15.7 16.7 18.2 12.6 12.4 0.9 0.9 0.9 0.9 0.6 0.9 1.4 1.4 1.5 1.5 1.0 1.0 1.3 1.6 2.8 3.9 2.9 2.9 3.4 2.4 1.9 1.2 1.5 1.5 27.5 28.6 30.0 30.8 22.6 22.4 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) Net Fees and Commissions ① Change Net fees and commissions 22.6 22.4 -0.1 Fees and commissions received 41.5 42.9 1.3 Fees and commissions payments (-) 18.9 20.4 1.5 <Main breakdown> Investment trusts and personal annuities 3.8 3.3 -0.4 Investment trusts (trust fees) 1.4 1.4 -0.0 Investment trusts (sales fees) 0.7 0.4 -0.2 Annuities and whole-life insurance 0.8 0.8 -0.0 Level-premium life insurance 0.7 0.5 -0.2 Financial instrument intermediary - - - Corporate solutions 12.6 12.4 -0.1 Syndicated loans 10.2 9.9 -0.2 Advisory contracts 0.3 0.5 0.1 M&A 0.5 0.4 -0.1 Management succession 0.3 0.2 -0.0 Business-matching 0.9 1.1 0.1 Advertising business 0.1 0.2 0.0 Consumer loans 0.6 0.9 0.3 Trust/inheritance-related business 1.0 1.0 0.0 Cashless operations 2.9 2.9 0.0 Payment and settlement transactions 9.8 10.6 0.7 Guarantee charges and group insurance costs (-) 10.4 10.9 0.5 (Billion yen) FY2025 1-3Q FY2024 1-3Q Net fees and commissions Corporate solutions-related revenue 1-3Q 1-3Q Cashless +0.0 Consumer loans +0.3 Other -0.0 【Year-on-year】 〔Total〕-0.1 Financial product sales -0.4 Corporate solutions -0.1 Trusts, inheritance +0.0 Advisory +0.1 Finance -0.2 M&A -0.1 Management succession -0.0 Business matching +0.1 【Year-on-year】 〔Total〕-0.1 Advertising business +0.0 10.4 12.4 13.8 14.5 10.2 9.9 0.4 0.5 0.5 0.5 0.3 0.5 0.6 0.7 0.2 0.9 0.5 0.4 0.3 0.4 0.4 0.5 0.3 0.2 1.3 1.5 1.6 1.4 0.9 1.1 0.2 0.1 0.2 13.2 15.7 16.7 18.2 12.6 12.4 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) 101-3Q 1-3Q *From FY2025, advertising business is included in corporate solutions -related revenue (retroactive change)
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11 11 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Net Fees and Commissions ② -Financial Products- Annuities, whole- life insurance -0.0 Investment trusts (trust fees) -0.0 Fin. instrument intermediary ±0 Level-premium insurance -0.2 〔Total〕 -0.4 342.6 375.9 423.4 427.2 496.3 867.6 844.7 891.2 921.7 955.4 97.4 94.4 94.1 111.2 127.6 25.8 18.8 15.6 14.6 14.6 21.0 24.7 23.7 26.1 29.9761.8 741.6 910.0 823.7 977.1 2,116.4 2,100.3 2,358.4 2,324.7 2,601.2 3/2022 3/2023 3/2024 3/2025 12/2025 (Billion yen) Foreign currency deposits +0.0％ Public bonds +14.8% Group companies +18.6％ 【As compared to March 31, 2025】 〔Total〕+11.8％ Personal annuities +3.6% Investment trusts +16.1% 1.7 1.7 1.8 1.9 1.4 1.4 2.0 0.8 0.7 0.9 0.7 0.4 1.1 1.9 1.3 1.0 0.8 0.8 1.4 1.2 1.7 0.9 0.7 0.5 0.6 0.3 0.1 7.1 6.3 5.9 4.9 3.8 3.3 44% 49% 61% 61% 61% 63% FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 Investment trusts -11.3％ 【Year-on-year】 〔Total〕-8.0％ Personal annuities -3.5％ Chibagin Securities -2.7％ 124.4 86.1 64.4 81.0 59.9 53.1 37.9 66.2 83.2 77.3 60.6 58.5 116.3 48.3 26.9 28.8 23.0 22.4 22.0 6.0 1.0 5.2 4.3 1.9 300.6 206.8 175.7 192.4 147.9 135.9 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) Fund wrap +14.4% Fund wrap -55.4％ Investment trust sales by channel Financial product sales (Group total) Financial product balances (Group total) Fees and commissions from financial products Investment trusts （sale） -0.2 Recurring revenue rate +2% （Billion yen） 【Year-on-year】 Other 0.1 Non-face- to-face 66% Face-to- Face 34% * in terms of monetary amount Non-face- to-face 34% Face-to- Face 66% FY2023 1H FY2025 1-3Q *From 3Q of FY2024, sales of Chibagin Securities include sales of call centers, etc. 1-3Q 1-3Q 1-3Q 1-3Q
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12 12 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Net Fees and Commissions ③ -Cashless Operations- 3.8 4.4 4.8 4.9 6.2 3.7 3.7 509.8 631.1 746.3 851.3 1,000.4 636.0 704.1 FY2021 FY2022 FY2023 FY2024 FY2025 FY2024 FY2025 0.042 0.047 0.049 0.051 0.051 0.053 3/2022 3/2023 3/2024 3/2025 12/2024 12/2025 (million locations) (plan) Number of group franchise locations Group profits and transaction volume of cashless operations Transaction volume (cumulative total) +68.0 （Billion yen） 0.73 0.83 0.92 1.00 0.97 1.05 3/2022 3/2023 3/2024 3/2025 12/2024 12/2025 (million customers) Number of group cardholders Profits +0.0 【Year-on-year】 *Profit of group company are calculated based on the same criteria as the banks (Fees and commissions received) Franchise locations +3.9% 【As compared to December 31, 2024】 Cardholders +7.5% 【As compared to December 31, 2024】 1-3Q 1-3Q
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13 13 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Credit-related Expenses / FRA Claims 13 41.1 43.9 49.4 58.0 57.3 54.9 52.7 49.8 43.6 40.0 17.1 18.2 19.1 19.9 18.4 113.2 114.9 118.5 121.5 115.8 0.96% 0.93% 0.92% 0.91% 0.81% 3/2022 3/2023 3/2024 3/2025 12/2025 (Billion yen) Bankrupt and effectively bankrupt claims -1.5 Doubtful claims -3.6 Need-attention claims -0.6 (Billion yen) Change Credit-related expenses (-) 6.6 6.0 -0.6 Net provisions to general allowance for loan losses (-) 1.7 0.6 -1.0 Disposal of non-performing loans (-) 4.9 5.3 0.3 5.9 6.5 0.5 Net provisions to specific allowance for loan losses (-) 0.9 0.9 -0.0 6.7 7.4 0.6 0.2 0.1 -0.1 1.0 1.0 0.0 Recoveries of written-off claims 1.0 1.1 0.1 Net credit cost ratio (-) 6bp 5bp -1bp Existing non-performing loans (-) Collections, etc. Write-offs/net provisions to specific allowance, etc. (-) FY2024 1-3Q FY2025 1-3Q New downgrades (-) 〔Total〕 -5.7 1.5 -2.3 -0.2 2.0 1.7 0.6 7.3 6.1 7.6 9.8 5.9 6.5 -1.7 -3.4 -1.5 -1.6 -1.0 -1.1 7.1 0.3 5.8 10.2 6.6 6.0 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) Write-offs / Net provision to specific allowance, etc. (-) +0.5 Net provisions to general allowance for loan losses (-) -1.0 【Year-on-year】 〔Total〕-0.6 Recoveries of written-off claims +0.1 ↑Losses ↓Gains 2.0 2.4 2.7 1H 5.4 2.8 1.5 4.5 4.4 5.9 2H 5.8 2.6 1.9 1.2 3.9 6.5 6.8 8.6 11.2 6.7 7.4 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) 【Year-on-year】 〔Total〕 +0.6 Disclosed claims under the Financial Reconstruction Act / non-performing loan ratio Credit-related expenses New non-performing loans Net credit costs(－)transition Ratio (-) -1bp Non-performing loan ratio -0.09% 【As compared to March 31, 2025】 6bp 0bp 4bp 7bp 6bp 5bp 1-3Q 1-3Q 1-3Q 1-3Q 1Q 2Q 3Q
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14 14 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 52.02% 47.73% 49.30% 46.56% 46.54% 42.58% 50.90% 47.37% 48.76% 46.47% 46.54% 42.67% FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 General & Administrative Expenses 39.9 39.3 40.4 41.6 31.3 34.7 38.2 36.8 38.3 41.2 30.4 32.3 6.3 6.2 6.3 6.8 5.1 5.7 84.5 82.5 85.1 89.7 66.9 72.8 FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 (Billion yen) Personnel expenses +10.7％ Taxes +11.8％ Non-personnel expenses +6.2％ 【Year-on-year】 【Year-on-year】 〔Total〕+8.7％ Non-consolidated G&A expenses (Billion yen) Change G&A expenses 66.9 72.8 5.8 Personnel expenses 31.3 34.7 3.3 Non-personnel expenses 30.4 32.3 1.9 Taxes 5.1 5.7 0.6 OHR 46.54% 42.58% -3.95% OHR 46.54% 42.67% -3.87% FY2024 1-3Q FY2025 1-3Q Non-consolidated Consolidate OHR G&A expenses / OHR Consolidated OHR -3.87% Non- consolidated OHR -3.95% ※ OHR: Expenses / (net business income – bond-related gains/losses, etc. + net provisions to general allowance for loan losses + expenses） 1-3Q 1-3Q 1-3Q 1-3Q
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15 15 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. +12 Capital Adequacy Ratio / ROE / Shareholder Return *includes commemorative dividend of 2 yen Dividend payments (estimate) 11.7 12.2 13.3 14.8 17.7 20.3 23.0 28.4 36.5 13.9 14.9 9.9 4.9 9.9 9.9 9.9 15.0 47.9% 54.0% 48.6% 29.9% 41.7% 50.3% 52.9% 51.7% 57.2% FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 (plan) (Billion yen) Shareholder return 7.5 8 8 9 11 13 15 18 24 7.5 8 10 11 13 15 17 22 28 15 16 18 20 24 28 32 40 5222.0% 24.5% 28.1% 29.9% 32.6% 33.9% 36.9% 38.3% 40.6% FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 +1 +2 +2 +4 +4 配当性向（連結） ROE 5.19% 5.68% 5.56% 6.38% 6.17% 7.64% 5.97% 6.38% 6.40% 7.34% 7.22% 8.77% FY2021 FY2022 FY2023 FY2024 FY2024 FY2025 *Presented on a ”total shareholders’ equity” basis, a B/S calculation unaffected by changes in unrealized gains/losses Share buybacks Dividend total 1H dividend * Shareholder return ratio (consolidated) Dividend ratio (consolidated) (TSE base) Consolidated ROE* (yen) 2H dividend +4 * +8 Dividend ratio approximately 40% / flexible share buyback Shareholder return policy 1-3Q 1-3Q ※ The Capital Adequacy Ratio is currently being calculated Resolved to increase the dividend +4 yen compared to the initial forecast Resolved cancellation of 30 mil. treasury shares
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16 16 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 16 Earnings Forecast 74.2 90.0 Net interest income Net fees and commissions Dif. between consolidated and non-consolidated Net trading income / Net other ordinary income G&A expenses Credit-related expenses Other FY2024 FY2025 (Billion yen) +25.8⇒+35.7 -1.7⇒ -1.7 -3.6⇒ -9.0 -6.2⇒ -7.4 -4.1⇒ -3.1 +0.4⇒+1.0 (results) (plan) +0.3⇒+0.3 Decrease in gains/losses related to bonds Breakdown of Profit Attributable to Owners of Parent (difference between consolidated and non-consolidated results) (Billion yen) Change Progress Gross business profit 186.5 158.6 213.6 27.0 74.2% 4.5 Net interest income 156.7 145.1 192.5 35.7 75.4% 9.9 Net fees and commissions 30.8 22.4 31.2 0.3 72.1% - Net Trading income 1.1 0.5 0.8 -0.3 70.5% - Net other ordinary income -2.1 -9.5 -10.9 -8.7 88.0% -5.4 Gains/losses related to bonds -6.7 -13.7 -15.0 -8.2 91.4% -6.0 G&A expenses (-) 89.7 72.8 97.2 7.4 74.9% 1.2 96.7 85.7 116.3 19.6 73.6% 3.3 Core business income 103.4 99.4 131.3 27.8 75.7% 9.3 100.8 94.9 124.3 23.5 76.3% 4.9 Net provisions to general allowance for loan losses (-) 2.0 0.6 2.0 -0.0 32.7% - Net business income 94.6 85.0 114.3 19.6 74.4% 3.3 Non-recurring gains/losses 10.3 12.4 13.5 3.2 91.9% 3.0 Disposal of non-performing loans (-) 8.1 5.3 10.0 1.8 53.7% - Reversal of loan loss reserves - - - - #DIV/0! - Gains/losses related to stocks, etc. 18.1 17.8 25.0 6.8 71.5% 4.2 Ordinary profit 105.0 97.5 127.9 22.9 76.2% 6.3 Extraordinary gains/losses -0.6 -1.8 -2.2 -1.5 81.6% -0.4 Net income 74.2 68.6 88.9 14.6 77.1% 4.3 Credit-related expenses (-) 10.2 6.0 12.0 1.7 50.2% - (Billion yen) Change Progress Ordinary profit 107.5 99.7 131.6 24.1 75.7% 7.3 Profit attributable to owners of parent 74.2 68.8 90.0 15.7 76.4% 5.0 (Ref.) 104.7 92.5 125.2 20.5 73.9% 3.2Consolidated net business income (before provisions to general allowance for loan losses) Net business income (before provisions to general allowance for loan losses) Excl. gains/losses on the cancelation of investment trusts FY2024 FY2024 1-3Q results Full year plan Change from Nov. plan 1-3Q results Full year plan Change from Nov. plan FY2025 FY2025Non-consolidated Consolidated Upward swing in domestic net interest income Policy interest rate:0.75% (Billion yen) Change Net interest income 156.7 192.5 35.7 9.9 Domestic 149.8 182.8 33.0 8.2 Interest on loans and deposits 110.4 130.5 20.0 2.2 Interest and dividends on securities 32.4 42.0 9.6 5.4 Gains/losses on cancellations 2.1 5.1 3.0 3.5 Overseas 6.9 9.6 2.7 1.6 Gains/losses on cancellations 0.4 1.8 1.3 0.80 FY2024 Change from Nov. plan FY2025 Plan*
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17 17 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. DX Number of portal registrations / borrower penetration rate Number of app registrations / penetration rate 738 972 1,208 1,386 1,500 25.5% 33.8% 41.4% 47.9% 50.0% 3/2023 3/2024 3/2025 12/2025 3/2026 (Thou.) Number of app registrations 34.8 46.1 58.2 64.0 60.0 52.9% 65.6% 74.4% 79.3% 3/2023 3/2024 3/2025 12/2025 3/2026 (Thou.) Number of corporate portal registrations*2 (plan) App penetration rate* (plan) Corporate portal borrower penetration rate*1 *1 Number of borrowers registered to the corporate portal ÷ number of corporate borrowers *2 Excluded accounts that have no history of logging in *Number of Chibagin app registrations ÷ number of individual active customers Plan (Mid-term Plan) 70% （as of December 2025） ■Ratio of monthly active users 78.5％ Number of users who launched the app at least once a month / Number of registered users of the app at the end of the month （as of December 2025） ■Evaluation of application store ★4.6/5 ■ Status of utilization / evaluation ■Changes in transactions (monthly comparison) ★4.4/5 App store Google play Number of remittance transfers Opening of ordinary savings account* tax and public finance collection Opening of investment trust account Opening of NISA account Card loan contract ※ Only open ordinary savings accounts is web accounts opening 25.6% 51.3% 3/2023 12/2025 ＋25.7％ 4.0% 11.6% 3/2023 12/2025 ＋7.6％ 7.3% 37.5% 3/2023 12/2025 ＋30.2％ 45.7% 3/2023 12/2025 44.8% 3/2023 12/2025 49.0% 3/2023 12/2025 April 2023 Release April 2023 Release April 2023 Release Achievement of the Mid-term Plan target ・ Number of portal registrations ・ borrower penetration rate
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18 1818 Supplementary Materials
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19 19Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 0.83% 1.18% 11/2024 12/2025 ③Fixed interest rate loans Incorporating Interest Rate Hikes① Improvement of yields on corporate loans and residential loans 73.4% 97.1% 97.9% 97.1% 99.5% 18.4bp 39.3bp 62.3bp 66.9bp 66.2bp 25.1bp 40.5bp 63.6bp 68.8bp 66.5bp FY2023 FY2024 FY2024 FY2025 FY2025 1.21% 1.56% 1.16% 1.45% 1.17% 1.46% Aug. 31, 2024 Dec. 2025 ＋0.40％ ①Prime-linked loans (average interest rates on loans) Floating full-slide Pass-through rate:72.4% Overall Pass-through rate: 73.4% Floating at any time Pass-through rate: 87.9% 86% 1.9 trillion yen 0.3 trillion yen Floating full-slide Floating at any time [Structure of prime-linked corporate loans] As policy interest rates rose, loan interest rates rose steadily. Increase in all loan interest rates regardless of interest rate sensitivity. Yen-denominated loans 4/2023 2/2024 12/2025 ④Market-linked loans (average interest rates on loans) ￥13.4 tri. as of Dec. 2025 2H 2H1H Market interest rate rise range Contracted rate rise range Pass-through rate 99.5% Average interest rate on market- linked loans (balance) ３MTIBOR １MTIBOR 1H ②Residential loans (average interest rates on loans) Pass-through rate： 86.0％ 2.00% in 9/2024 (+0.15%) 2.25% in 3/2025 (+0.25%) Reflected from 6/2025 Review of short-term prime rate Timing of feedback to existing loans ③ Market-linked 3.1 Ministry of Finance loans 0.3 Short-term prime rate, etc. (corporate) 2.2Short-term prime rate, etc. (residential etc.) 4.0 Fixed (corporate) 3.2 Fixed (residential, etc.) 0.4 (Trillion yen) ① ② ③ ④ 1.85％ 2.25％ Review of short-term prime rate 3Q Reflected from 12/2024 ＊Floating interest rate only （Reflecting the Short-term prime rate） 2.50%（＋0.25％ ） From Feb. 3rd Future review of short-term prime rate 1M0.06% 0.87% 3M0.10% 1.07% 0.58% 1.38% ※For about 80% of the stock balance linked to 1M and 3MTIBOR
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20 20Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Incorporating Interest Rate Hikes② Estimate the effect of the BOJ's policy rate change on interest rates ●Effects of increased volume are not included in the above estimates ●10-year JGB yield of 2.00% ●TIBOR Level as of December 2025 ●Short-term prime rate （After February 2026）2.50% ●Calculated on the assumption that the outstanding balance is unchanged from the portfolio at the end of December 2025 ●60% pass-through rate of fixed-rate loans for corporate and 80% pass-through rate of prime loans ●Deposit interest rates are assumed to be raised in view of a rise in market interest rates 0.8 0.8 0.8 0.8 0.8 5.5 6.1 6.3 6.3 6.0 9.4 16.9 20.5 22.9 24.5 12.6 13.9 12.8 11.8 11.0 3.2 4.7 6.2 9.1 9.8 -14.7 -17.1 -18.0 -18.4 -18.6 16.9 25.4 28.7 32.6 33.6 FY2026 FY2027 FY2028 FY2029 FY2030 Next mid-term plan （billion yen） ROE effect Current policy rate unchanged （Policy rate 0.75% from December 2025） ① Simulation with current interest rates Effect of increase in profit on FY2025 earnings plan (Net interest income in yen currency, Feb. plan) 1.6 2.0 2.0 2.0 2.09.8 13.7 13.9 13.9 13.6 9.4 16.9 20.6 22.9 24.618.1 29.1 28.7 28.4 28.2 4.7 7.3 8.8 11.7 12.4 -21.7 -31.1 -32.6 -33.4 -33.7 22.1 38.1 41.4 45.7 47.3 FY2026 FY2027 FY2028 FY2029 FY2030 Next mid-term plan （Billion yen） Policy rate to be raised to 1.00% in July 2026. （Assumed as the main scenario） ② Simulation of 1.0% terminal rate ROE effect JPY investment and funding structure BOJ current account Changes in the structure of asset and funding ￥19.9 tri. as of Dec. 2025 1.6 3.3 12.4 2.6 1.3 3.2 0.4 2.2 4.0 0.3 3.1 5.1 Asset Funding Marketability investment, etc. Market-linked interest rate Ministry of Finance loans Short-term prime rate, etc. (residential) Short-term prime rate, etc. (corporate) Fixed (residential) Fixed(corporate) Investment securities Marketability procurement, etc. Variable deposits Fixed deposits Equity funding, etc. Asset Funding 12/2025 excess reserve BOJ operations （Trillion yen） 2.3 0.2 0.4 0.5 1.6 Balance of loans and securities- to-deposit, etc. Call money, etc. （Trillion yen） Effect of increase in profit on FY2025 earnings plan (Net interest income in yen currency, Feb. plan) Prime Market-linked interest rate Fixed Deposit Total Marketability investment (Yen bonds, etc.) Prime Market-linked interest rate Fixed Deposit Total Marketability investment (Yen bonds, etc.) Bank of Japan’s current account (shareholders’ equity) (shareholders’ equity) ●Effects of increased volume are not included in the above estimates ●10-year JGB yield rises to 2.00% ●TIBOR Level as of December 2025 ●Short-term prime rate (After February 2026) 2.50% (After September 2026) 2.75% ●Portfolio assumptions and pass-through rate assumptions are the same as in simulation① ＋1.1％ ＋1.6％ ＋1.8％ ＋2.1％＋2.1％ ＋1.4％ ＋2.4％ ＋2.6％ ＋3.0％＋2.9％ Volume effects estimates not included in the graph above（Estimation） 3/2029 + ¥16Billion（Net interest income in yen currency） Bank of Japan’s current account
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21 21 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 803.2 920.6 1,020.0 1,078.7 251.0 220.9 380.0 375.11,054.2 1,141.5 1,400.0 1,453.8 4.1 4.3 3.4 3.1 3/2023 3/2024 3/2025 12/2025 (Billion yen) -14.0 -24.1 -58.9 -73.3 Operation of Yen Bonds Yen Bonds Portfolio To improve net interest income・capital efficiency, sold some low-yield bonds ・ non-divided investment trusts / Began to accumulate fixed bonds Yen bonds portfolio Lower 0.2% range Mid- 0.2% range Around 0.4% Around 0.6% Floating bonds Fixed bonds Unrealized gains/losses on yen bonds *After taking into account unrealized gains/losses on deferred hedge swaps Yield on fixed bonds (Years) Average remaining maturity of yen bonds * Average remaining maturity is the base after considering asset swaps. Unrealized gains / losses on yen bonds + Investment trusts, etc. improved ¥ -49.6 billion ¥ -8.6 billion [improved by ¥＋41.0 billion] Strategic portfolio improvement Gains/losses related to bonds -１３.７ Yen bonds -５.９ Non-divided investment trusts -５.２ FY2025３Q total Image of yen bonds balances ・ Unrealized gains / losses（By redemption period*） The impact of Unrealized gains / losses is minor, continued holding 【RMBS accounts for the majority】 The deterioration of unrealized gains / losses is limited due to the roll- down effect The sale of yen bonds below funding costs （Deposit funding）has been completed （ Focusing on Policy interest rate 1.0%, the sale of yen bonds with a yield of 0.4% or less has been completed） ■Simulation of Policy interest rate to be raised 1.5% → The deterioration of unrealized gains / losses on our RMBS holdings for the FY2028 is estimated to be approximately ¥ 1.0 billion ～FY2028 FY2029～ FY2032 FY2033～ FY2035 ＊RMBS are shown based on the average remaining maturity of sevurities The Sale of yen-denominated bonds based on interest rate trends ※ Excluding RMBS Accumulate fixed bonds Began to accumulate government bonds from 3Q （Full year plan：¥ 150.0 billion / 2 year・10 year） The sale of yen bonds with a remaining maturity of 4 years or more and a yield of 0.4% or less has been completed Continued selling non-divided investment trusts with high RW and low profitability Improving portfolios quality to improve ROE （Billion yen） Balance Unrealized gains / losses
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22 22 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. While the amount of new downgrades increased in 3Q, it remained within our plan. 43% 42% 73% 63% 49% 57% 58% 27% 37% 51% FY2021 FT2022 FY2023 FY2024 FY2025 3Q By region（amount） Within Chiba Prefecture Wholesale, retail trade 55% Construction 15% Medical, and other services 10% Real estate trading 8% Transport and postal service 6% Manufacturing 4% Other 2% Industry composition ratio （amount・３Q total） New downgrades trends Real estate leasing business While the percentage of the loan portfolio is 34%,the percentage of new downgrades is less than 1%. New downgrades amount （Scale・Case number・amount） 0.8 1.1 1.1 1.3 1.2 0.5 1.1 1.8 1.1 1.7 1.1 0.3 0.9 1.1 0.5 0.3 0.0 0.7 1.9 2.7 2.3 1.0 2.3 2.7 5.9 5.4 5.8 3.4 3.9 85 103 97 98 86 38 2024/3 1H 2024/3 2H 2025/3 1H 2025/3 2H 2026/3 1H 2026/3 3Q 34 61 58 59 40 103 ¥ 0.5 bil. or more ¥ 0.3 bil. or more ¥ 0.1 bil. or more Less than ¥ 0.1 bil. （cases） （Billion yen） Case number Per cases Million yen / cases Two large-borrowers accounted for 60% of the total new downgrades amount 285 441 645 719 FY2025 New downgrades plan ¥ 12.0 billion Enhancing understanding of actual conditions through data utilization Deposit/ withdrawal data Long-Term Financial Data External Data AI Rating AI Score Status Monitoring Predicted Bankruptcy Value Collaboration with other bank accounts Chiba Bank Identifying early signs of deteriorating business conditions through cash flow analysis Collaboration with other bank accounts・Penetrationlevel Borrowers outside Chiba Prefecture・ Number of contract （Borrowers） 9/2024 3/2025 9 12 ３Q total Progress 61 ％ Outside Chiba Prefecture New downgrades（credit） trends No Concerns regarding asset quality, continuing to enhance understanding of actual conditions of borrowers. total
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Inquiries related to this presentation should be addressed to: The Chiba Bank, Ltd. Corporate Planning Division Investor Relations Office Tel: 043-301-8459 E-Mail: ir@chibabank.co.jp This material was prepared only for the purpose of providing information and does not solicit the purchase or sale of any specific securities. All or part of the matters described in this material may be revised or changed without prior notice. This materials contains forward-looking statements. These statements are not represented as providing a guarantee of the Bank’s future performance, and actual results may be subject to risks and uncertainties. Please note that future performance may differ due to change in business environment, etc.