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August 4, 2026 The Chiba Bank website [IR Library] Financial Highlights for the Three Months of FY2026 ending March 2027
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2 2 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 2 Table of Contents Financial Results for the Three Months of FY2026 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 16th Mid-term Plan Engagement Bank Group ~ Phase 2 ~ Plan period April, 2026 ~ March, 2029 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 DX Incorporating Interest Rate Hikes ①② Securities portfolio management 3 4 5 6 7 8-9 10-12 13 14 15 16 18-19 20 Supplementary Materials
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3 3 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Summary of Financial Results (Billion yen) Change Progress Gross business profit 53.1 66.6 13.4 247.0 26.9% Net interest income 48.8 85.5 36.7 226.9 37.7% Net fees and commissions 6.8 8.7 1.9 34.0 25.8% Net Trading income 0.0 0.0 0.0 1.3 5.7% Net other ordinary income -2.4 -27.8 -25.3 -15.2 182.4% Gains/losses related to bonds -3.1 -29.1 -25.9 -18.0 161.7% G&A expenses (-) 24.5 26.6 2.1 107.3 24.8% 28.6 39.9 11.3 139.7 28.5% Core business income 31.7 69.0 37.2 157.7 43.7% 30.9 41.8 10.9 139.7 29.9% Net provisions to general allowance for loan losses (-) 0.3 0.3 0.0 2.0 19.3% Net business income 28.2 39.5 11.3 137.7 28.7% Non-recurring gains/losses 4.9 4.1 -0.8 12.7 32.8% Disposal of non-performing loans (-) 0.4 0.7 0.3 10.5 7.6% Reversal of loan loss reserves - - - - #DIV/0! Gains/losses related to stocks, etc. 5.4 5.0 -0.4 22.5 22.3% Ordinary profit 33.2 43.7 10.5 150.4 29.0% Extraordinary gains/losses -0.0 -0.0 0.0 -0.3 11.6% Net income 24.5 32.3 7.8 105.8 30.6% Credit-related expenses (-) 0.8 1.1 0.3 12.5 9.4% (Billion yen) Change Progress Ordinary profit 31.0 41.8 10.7 154.3 27.0% Profit attributable to owners of parent 21.7 29.9 8.1 107.0 27.9% (Ref.) 28.3 39.9 11.6 148.9 26.8% FY2026 Plan FY2026 Plan FY2025 1Q FY2025 1Q FY2026 1Q FY2026 1Q 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) Consolidated Non-consolidated 21.7 29.9 Net interest income +36.7 Net fees and commissions +1.9 Dif. between consolidated and non-consolidated +0.2 Net trading income / Net other ordinary income -25.2 G&A expenses -2.1 Credit- related expenses -0.3 Other -3.1 FY2025 FY2026 (Billion yen) Breakdown of Profit Attributable to Owners of Parent (non-consolidated + difference between consolidated and non-consolidated results) Interest on domestic loans and deposits ＋5.7 Gains/losses on the cancelation of investment trusts+26.3 etc. ◆ Net interest income YoY＋36.7 billion yen Balance of loans at term-end YoY＋4.4％ Domestic operations yield of loans and bills discounted YoY＋0.26％ ◆ Net Fees and Commissions YoY＋1.9 billion yen Corporate solutions-related revenue YoY +0.1 billion yen ◆ G&A expenses YoY +2.1 billion yen (24.8% progress) ◆ Credit-related expenses YoY +0.3 billion yen (9.4% progress) ◆ Net income (the Three Months of FY2026) <Non-consolidated> Achieved a record high for the fifth consecutive first quarter <Consolidated> Achieved a record high, marking the sixth consecutive first quarter of net income growth Gains/losses related to bonds -25.9 etc. Policy interest rate assumption: 0.75％ 1Q 1Q (Reference: Effect of a policy rate hike to 1.0% — Simulation) ・FY2026 plan Net interest income ：+approx. ¥11.0bn (estimate) (excl. investment trust cancellation gains)
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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 52.2 65.9 13.7 Net interest income 45.4 82.1 36.7 Net fees and commissions 9.2 11.4 2.2 Net trading income 0.0 0.0 0.0 Net other ordinary income -2.4 -27.8 -25.3 G&A expenses (-) 26.3 27.9 1.5 Credit-related expenses (-) 1.3 1.6 0.3 0.6 0.6 -0.0 Disposal of non-performing loans (-) 0.6 1.0 0.3 Gains/losses related to stocks, etc. 5.5 5.0 -0.5 Gains/losses on equity-method investments 0.0 0.1 0.0 Other 0.8 0.3 -0.5 Ordinary profit 31.0 41.8 10.7 Extraordinary gains/losses -0.1 -0.0 0.0 Net income pre-tax adjustment 30.9 41.8 10.8 Total corporate income taxes (-) 9.1 11.8 2.7 Net income 21.7 29.9 8.1 Profit attributable to non-controlling interests - - - Profit attributable to owners of parent 21.7 29.9 8.1 (Ref.) 28.3 39.9 11.6Consolidated net business income (before provisions to general allowance for loan losses) FY2025 1Q FY2026 1Q Net provisions to general allowance for loan losses (-) Consolidated [Consolidated subsidiaries] (Billion yen) Investment ratio Profit items (including indirect) (after deduction of inter- subsidiary dividends) Change Ordinary profit -0.0 0.1 0.1 Net income -0.0 0.1 0.1 Ordinary profit 0.3 0.3 0.0 Net income 0.2 0.2 0.0 Ordinary profit 1.0 1.0 0.0 Net income 0.6 0.6 0.0 Ordinary profit 0.1 0.1 -0.0 Net income 0.1 0.0 -0.0 Ordinary profit 0.1 0.1 -0.0 Net income 0.0 0.1 0.0 Ordinary profit 1.6 1.8 0.2 Net income 1.0 1.2 0.2 [Equity method subsidiaries] Net income according to equity method 0.0 0.1 0.0 Dividends to parent company (-) 3.7 3.7 0.0 Dif. between consolidated and non-consolidated* -2.7 -2.4 0.2 *After adjusting for unrealized gains, etc. FY2025 1Q FY2026 1QCompany name Chibagin Securities Co., Ltd. 100% Chibagin Leasing Co., Ltd. 100% Chibagin Guarantee Co., Ltd. 100% Chibagin Card Co., Ltd. 100% Total of 6 companies Total of 5 other companies 100% Total of 9 companies *Showing profit/loss after reclassification for consolidated financial statements Subsidiaries
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5 5 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. +4.1 +3.9 +4.3 +8.3 +1.3 +2.2 -2.6 Yield +0.0 +11.4 +33.6 +7.9 +8.2 Deposit+0.2 Deposit+0.0 -9.5 -21.5 -6.0 -4.7 +1.7 +3.9 +6.2 +20.4 +3.2 +5.7 FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 Net Interest Income 100.2 104.2 110.4 130.8 29.8 35.6 31.2 28.0 39.4 55.2 16.0 40.8 8.8 4.4 6.9 11.8 2.9 9.0 140.3 136.6 156.7 198.0 48.8 85.5 FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 (Billion yen) Domestic interest on loans and deposits +19.1% Overseas +212.9％ Domestic interest and dividends on securities, other +155.0％ 【Year-on-year】 〔Total〕+75.2％ Loans volume factors Total Loans yield factors (Billion yen) Change Net interest income 48.8 85.5 36.7 Domestic 45.9 76.5 30.5 Interest on loans and deposits 29.8 35.6 5.7 Loans and bills discounted 36.6 47.1 10.4 Deposits incl. NCDs (-) 6.7 11.5 4.7 Interest and dividends on securities 13.4 37.7 24.3 Bonds 2.7 4.0 1.3 Stock dividends 7.9 7.9 0.0 Investment funds 0.0 0.0 -0.0 Investment trusts 2.7 25.7 22.9 Gains on cancellations 0.6 22.6 21.9 Other (market operations, etc.) 2.5 3.1 0.5 Overseas 2.9 9.0 6.1 Loans and bills discounted 7.2 8.5 1.3 Foreign securities 9.3 16.0 6.6 Foreign securities 8.0 9.8 1.8 Foreign currency funds 1.0 1.5 0.5 Investment trusts 0.2 4.6 4.3 Gains on cancelations 0.1 4.5 4.3 Other (funding, market operations, etc.) -13.7 -15.5 -1.8 47.9 58.3 10.4 Gains on the cancellation of investment trusts 0.8 27.2 26.3 FY2026 1Q FY2025 1Q 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) Excluding gains/losses on the cancelation 47.9 58.3 1Q1Q 【Year-on-year】 +21.6％ 1Q1Q
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6 6 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 0.17% 0.18% 0.19% 0.24% 0.28% 1.15% 1.21% 1.24% 1.33% 1.41% FY2025 1Q FY2025 2Q FY2025 3Q FY2025 4Q FY2026 1Q Average Balance / Yield of Loans and Bills Discounted 422.7 510.1 589.1 688.7 617.8 778.9 3.20% 5.31% 5.14% 4.63% 4.70% 4.40% 1.06% 0.56% 0.59% 0.89% 0.78% 1.00% FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 (Billion yen) 11,529.1 11,986.3 12,434.213,108.0 12,724.5 13,353.6 0.87% 0.87% 0.96% 1.23% 1.15% 1.41% 0.87% 0.87% 0.90% 1.04% 0.98% 1.13% FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 Average balance of loans and bills discounted +4.9％ Average balance of loans and bills discounted +26.0％ 【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 11,276.1 11,782.2 12,244.1 12,822.8 12,483.6 13,263.5 Yield 0.89% 0.88% 0.97% 1.25% 1.16% 1.42% Excluding Ministry of Finance loans (Billion yen) 【Year-on-year】 Average yield on loans and bills discounted -0.29% Difference between average yield on loans and deposits* +0.22% Average yield on loans and bills discounted +0.26% Difference between average yield on loans and deposits* +0.15% * 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 JPY133.53 JPY151.41 JPY149.52 JPY159.88 JPY144.81 JPY162.39 Domestic Operations Quarterly Trend in Yield on Loans and Deposits 1.13％ Difference between yield on loans and deposits Yield on loans Yield on deposits incl. NCDs 0.98％ 1Q 1Q 【Year-on-year】 Average balance of loans and bills discounted +6.2％ 1Q 1Q はべたうち
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7 7 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Balance of Loans / Deposits at Term-end 7,261.8 7,443.7 7,549.6 7,819.2 7,618.4 7,872.6 590.6 599.3 604.2 616.8 606.0 619.7 3,984.2 4,302.6 4,602.9 5,120.6 4,830.9 5,047.6 11,836.7 12,345.8 12,756.8 13,556.7 13,055.3 13,540.0 3/2023 3/2024 3/2025 3/2026 6/2025 6/2026 (Billion yen) 7 Large/mid- sized corporations +12.4％ SMEs +5.6％ Residential loans +6.4％ Other consumer loans +8.7％ Public sector -69.4％ Chiba Pref. (growth areas) +3.3％ Outside Chiba Pref. +4.4％ 1,542.4 1,635.6 1,689.3 1,853.3 1,723.3 1,937.1 5,753.7 6,098.0 6,370.6 6,748.5 6,415.4 6,778.7 3,917.7 4,026.0 4,108.6 4,347.8 4,137.4 4,403.0199.6 215.3 229.7 248.3 234.3 254.9 423.1 370.8 358.4 358.6 544.7 166.2 316.9 422.1 476.5 590.9 488.4 611.8 12,153.6 12,768.0 13,233.3 14,147.7 13,543.8 14,151.9 3/2023 3/2024 3/2025 3/2026 6/2025 6/2026 (Billion yen) Overseas operations +25.2％ 【As compared to June 30, 2025】 〔Total〕+4.4％ Retail +1.6％ Public sector +29.7％ Overseas operations, JOM accounts -8.3％ 10,918.3 11,210.7 11,395.5 11,583.6 11,531.5 11,725.5 3,055.5 3,174.8 3,279.3 3,442.7 3,365.8 3,645.1 1,117.7 1,161.7 1,070.5 1,276.7 891.4 1,156.4332.7 404.2 523.3 548.4 519.0 475.8 15,424.4 15,951.6 16,268.7 16,851.4 16,307.9 17,002.9 3/2023 3/2024 3/2025 3/2026 6/2025 6/2026 (Billion yen) Corporate +8.2％ 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) +2.2％ 【As compared to June 30, 2025】 〔Total〕+3.7％ 【As compared to June 30, 2025】 〔Total〕+4.2％ Of which, corporate loans ＋10.4％ Of which, corporate loans +2.7％ Of which, corporate loans ＋4.4％ Excl. ministry of finance loans 〔Total〕+6.8％ Excl. ministry of finance loans +11.5％ +484.7 +695.0 +279.2 +193.9 +608.1 +265.5 +363.2 +213.7
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8 8 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 4.2 4.7 4.5 4.3 3.7 1.0 1.1 1.2 1.6 1.5 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) Securities ① 658.1 804.9 842.0 975.2 996.9 101.0 97.6 123.2 116.3 115.7553.2 549.7 628.8 602.7 527.4 546.3 525.9 473.3 416.7 308.7 310.8 269.2 267.2 220.1 221.7 282.7 425.7 731.2 1,013.9 1,278.3 2,452.3 2,673.2 3,065.9 3,345.1 3,448.9 4.1 4.3 3.4 3.1 2.3 2.0 2.0 1.9 2.1 2.1 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) (Years) Government bonds +26.0％ Stocks -0.5％ Foreign currency securities +2.2% Corporate bonds, etc. -25.9％ *1 Excluding unrealized gains/losses Investment trusts, etc. -12.4％ Municipal bonds +0.7% *2 After hedging via asset swaps 〔Total〕+5.9％ (Billion yen) Change Interest income on securities 22.8 53.8 30.9 Bonds 10.7 13.8 3.1 Domestic 2.7 4.0 1.3 Overseas 8.0 9.8 1.8 Stocks 7.9 7.9 0.0 Investment trusts, etc. 4.1 31.9 27.8 Gains/losses from investment trust cancellations 0.8 27.2 26.3 -3.1 -29.1 -25.9 Gains on sales 0.1 0.0 -0.0 Losses on sales (-) 2.7 28.2 25.5 Redemptions (-) 0.5 0.9 0.3 Gains/losses related to stocks, etc. 5.4 5.0 -0.4 Gains on sales 5.5 5.7 0.1 Losses on sales (-) 0.0 0.6 0.6 Redemptions (-) 0.1 0.0 -0.1 FY2025 1Q FY2026 1Q 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 -0.6 Foreign bonds -0.0 9.3 3.0 1.4 - - Average remaining maturity of foreign bonds +0.0 years Average remaining maturity of yen bonds -0.7 years 【As compared to March 31, 2026】 【As compared to March 31, 2026】 〔Total〕+3.1％
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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 ② 150.3 239.5 194.6 265.7 275.3 Yen -11.4 -27.5 -83.5 -167.9 -145.5 -30.0 -32.3 -24.3 -25.4 -24.9 -6.8 23.8 9.2 52.6 59.9 101.9 203.5 96.0 125.0 164.7 -200 -150 -100 -50 0 50 100 150 200 250 300 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) ↑Gains ↓Losses *Including overseas CDs Unrealized gains/losses on other securities Yen bonds +22.3 Stocks +9.5 Other ＋7.3 Foreign bonds +0.4 150.3 239.5 194.6 265.7 275.3 Yen -14.0 -24.1 -58.9 -89.5 -62.0Foreign -13.7 -10.5 -10.5 -9.5 -4.2 Other -6.8 23.8 9.2 52.6 59.9 115.7 228.7 134.5 219.3 268.9 -150 -100 -50 0 50 100 150 200 250 300 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) ↑Gains ↓Losses Ratio of cross-shareholdings to consolidated net assets (excl. shares of affiliated companies) 199.9 190.1 178.8 224.2 232.4 70.9 45.1 68.4 66.8 60.2 18.84% 16.09% 15.61% 17.83% 18.05% 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) Book value -6.6 Market value +8.2 Yen bonds +27.4 Stocks +9.5 Other +7.3 Foreign bonds +5.3 *Cross-shareholdings are shown on a non-consolidated basis Ratio of cross- shareholdings to consolidated net assets (Market value) +0.22% 【As compared to March 31, 2026】 【As compared to March 31, 2026】 【As compared to March 31, 2026】 Total ＋39.6 Total +49.6 Cross-shareholdings/number of stocks held 126 100 93 78 75 122 121 120 117 117 248 221 213 195 192 3/2023 3/2024 3/2025 3/2026 6/2026 Unlisted stock Listed stock Status of pure investment stock held ■ Including affiliated companies Book value (billion yen) 82.1 56.6 89.2 87.3 87.2 Market value (billion yen) 211.1 201.6 199.7 244.7 252.9 Ratio of cross- shareholdings to consolidated net assets (Market value) 19.90％ 17.06％ 17.45％ 19.46％ 19.65％ To below 15% by the end of March 2029 *From FY2025, Figures excluding shares of affiliated companies (retroactive change) 3/2024 3/2026 6/2026 As compared to 3/2024 Market value (billion yen) 135.6 137.3 138.0 101％ Book value (billion yen) 41.0 29.0 28.4 69％ Number of stocks held 42 21 20 47% To halve by the end of March 2029 compared with the end of March 2024 Achievement at 50% or less
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10 10 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Net Fees and Commissions ① Change Net fees and commissions 6.8 8.7 1.9 Fees and commissions received 13.2 15.5 2.3 Fees and commissions payments (-) 6.4 6.7 0.3 <Main breakdown> Investment trusts and personal annuities 1.0 1.1 0.0 Investment trusts (trust fees) 0.4 0.5 0.0 Investment trusts (sales fees) 0.1 0.1 0.0 Annuities and whole-life insurance 0.2 0.2 -0.0 Level-premium life insurance 0.1 0.1 -0.0 Financial instrument intermediary - - - Corporate solutions 3.2 3.4 0.1 Finance 2.5 2.6 0.1 Advisory contracts 0.1 0.1 -0.0 M&A 0.1 0.0 -0.1 Management succession 0.0 0.0 0.0 Business-matching 0.3 0.3 0.0 Advertising business 0.0 0.0 0.0 Consumer loans 0.2 0.4 0.2 Trust/inheritance-related business 0.3 0.2 -0.0 Cashless operations 0.9 0.9 0.0 Payment and settlement transactions 3.6 3.6 -0.0 Guarantee charges and group insurance costs (-) 3.2 3.2 0.0 (Billion yen) FY2026 1Q FY2025 1Q Net fees and commissions Corporate solutions-related revenue 6.3 5.9 4.9 4.5 1.0 1.1 15.7 16.7 18.2 19.3 3.2 3.4 0.9 0.9 0.9 1.4 0.2 0.4 1.4 1.5 1.5 1.6 0.3 0.2 1.6 2.8 3.9 3.9 0.9 0.9 2.4 1.9 1.2 1.3 0.9 2.5 28.6 30.0 30.8 32.2 6.8 8.7 FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 (Billion yen) Cashless +0.0 Consumer loans +0.2 Other +1.5 【Year-on-year】 〔Total〕+1.9 Financial product sales +0.0 Corporate solutions +0.1 Trusts, inheritance -0.0 12.4 13.8 14.5 15.3 0.5 0.5 0.5 0.8 0.7 0.2 0.9 0.7 0.4 0.4 0.5 0.4 1.5 1.6 1.4 1.60.2 0.2 15.7 16.7 18.2 19.3 3.2 3.4 FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 (Billion yen) Advisory -0.0 Finance +0.1 M&A -0.1 Management succession +0.0 Business matching +0.0 Advertising business +0.0 【Year-on-year】 〔Total〕+0.1 1Q1Q 2.54 2.68 0.13 0.12 0.16 0.050.05 0.060.33 0.390.05 0.06 3.28 3.40 1Q 1Q
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11 11 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 376.2 424.2 428.4 495.2 564.3 844.7 891.2 921.7 939.8 925.5 94.4 94.1 111.2 143.1 163.618.8 15.6 14.6 14.7 14.8766.1 933.1 848.6 1,039.5 1,154.82,100.3 2,358.4 2,324.7 2,632.5 2,823.2 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) Net Fees and Commissions ② -Financial Products / Trust and inheritance-related business- 1.7 1.8 1.9 1.9 0.4 0.5 0.8 0.7 0.9 0.7 0.1 0.1 1.9 1.3 1.0 1.0 0.2 0.2 1.2 1.7 0.9 0.6 0.1 0.1 0.3 0.1 0.1 0.1 6.3 5.9 4.9 4.5 1.0 1.1 49% 61% 61% 63% 63% 65% FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 Financial product balances (Group total) Financial product sales (Group total) Fees and commissions from financial products Annuities, whole- life insurance -0.0 Investment trusts (trust fees) +0.0 Fin. instrument intermediary ±0.0 Level-premium insurance -0.0 〔Total〕 +0 Investment trusts （sale） +0.0 Recurring revenue rate +2% （Billion yen） 【Year-on-year】 【As compared to March 31, 2026】 〔Total〕+7.2％ Foreign currency deposits +0.2％ Public bonds +14.3% Group companies +11.0％ Personal annuities etc. -1.5% Investment trusts etc. +13.9% Fees and commissions from trust and inheritance-related business Assets Identified through inheritance-related business 1.11 1.16 1.12 1.18 0.23 0.23 0.37 0.41 0.42 0.44 0.10 0.06 1.48 1.57 1.54 1.62 0.33 0.29 FY2022FY2023FY2024FY2025 FY2025FY2026 705.1 781.4 856.9 935.4 951.7 3/2023 3/2024 3/2025 3/2026 6/2026 Chiba Bank Partners Chiba Bank Partners （Billion yen） 86.1 64.4 81.0 80.5 14.2 24.0 66.2 83.2 77.3 69.8 23.2 11.6 48.3 26.9 28.8 29.5 5.6 8.0 6.0 1.0 5.2 2.5 0.5 0.7 206.8 175.7 192.4 182.3 43.6 44.4 3/2023 3/2024 3/2025 3/2026 3/2026 3/2027 (Billion yen) 【Year-on-Year】 〔Total〕+1.9％ Investment trusts etc. +69.1% Personal annuities etc. -49.7％ Chibagin Securities +42.1％ Other +43.3％ （Billion yen） 1Q 1Q 1Q 1Q other other 1Q 1Q Trust and inheritance-related business
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12 12 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Net Fees and Commissions ③ -Cashless Operations- 5.0 5.1 5.3 5.4 7.1 1.2 1.3 631.1 746.3 851.3 954.2 1,145.0 224.5 259.7 FY2022 FY2023 FY2024 FY2025 FY2028 FY2025 FY2026 0.047 0.049 0.052 0.054 0.053 0.056 3/2023 3/2024 3/2025 3/2026 6/2025 6/2026 (Million locations) Number of group franchise locations Group profits* and transaction volume of cashless operations Transaction volume (cumulative total) +35.2 （Billion yen） 0.83 0.92 1.00 1.06 1.02 1.07 3/2023 3/2024 3/2025 3/2026 6/2025 6/2026 (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 +5.9% 【As compared to June 30, 2025】 Cardholders +5.7% 【As compared to June 30, 2025】 *From FY2025, cashless-related profits includes guarantee fees received by Chibagin Card Co., Ltd from Chiba Bank (retroactive change） 1Q 1Q
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13 13 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Credit-related Expenses / FRA Claims 13 43.9 49.4 58.0 59.7 65.3 52.7 49.8 43.6 43.6 42.0 18.2 19.1 19.9 17.0 18.5 114.9 118.5 121.5 120.4 125.9 0.93% 0.92% 0.91% 0.84% 0.88% 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) Bankrupt and effectively bankrupt claims +1.5 Doubtful claims -1.6 Need-attention claims +5.5 (Billion yen) Change Credit-related expenses (-) 0.8 1.1 0.3 Net provisions to general allowance for loan losses (-) 0.3 0.3 0.0 Disposal of non-performing loans (-) 0.4 0.7 0.3 1.1 0.9 -0.1 Net provisions to specific allowance for loan losses (-) -0.1 0.0 0.1 1.5 0.9 -0.5 0.1 0.0 -0.1 0.5 0.0 -0.5 Recoveries of written-off claims 0.6 0.1 -0.4 Net credit cost ratio (-) 2bp 3bp 0bp Existing non-performing loans (-) Collections, etc. Write-offs/net provisions to specific allowance, etc. (-) FY2025 1Q FY2026 1Q New downgrades (-) 〔Total〕 +5.4 -2.3 -0.2 2.0 1.7 0.3 0.3 6.1 7.6 9.8 9.7 1.1 0.9 -3.4 -1.5 -1.6 -1.9 -0.6 -0.1 0.3 5.8 10.2 9.5 0.8 1.1 FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 (Billion yen) Write-offs / Net provision to specific allowance, etc. (-) -0.1 Net provisions to general allowance for loan losses (-) +0.0 【Year-on-year】 〔Total〕+0.3 Recoveries of written-off claims -0.4 ↑Losses ↓Gains 2.4 2.7 5.4 1H 3.4 1.5 0.9 4.4 5.9 5.8 2H 7.2 6.8 8.6 11.2 10.7 FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 (Billion yen) 【Year-on-year】 〔Total〕 -0.5 Disclosed claims under the Financial Reconstruction Act / non-performing loan ratio Credit-related expenses New non-performing loans Net credit costs(－)transition Ratio (-) +0bp Non-performing loan ratio +0.03% 【As compared to March 31, 2026】 0bp 4bp 7bp 6bp 2bp 3bp 1Q1Q 1Q1Q
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14 14 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 47.73% 49.30% 46.56% 41.58% 43.74% 27.98% 47.37% 48.76% 46.47% 41.50% 45.65% 29.25% FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 General & Administrative Expenses 39.3 40.4 41.6 45.9 11.7 12.2 36.8 38.3 41.2 43.8 10.9 11.9 6.2 6.3 6.8 7.8 1.9 2.4 82.5 85.1 89.7 97.6 24.5 26.6 FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 (Billion yen) Personnel expenses +4.4％ Taxes +28.6％ Non-personnel expenses +9.6％ 【Year-on-year】 【Year-on-year】 〔Total〕+8.6％ Non-consolidated G&A expenses (Billion yen) Change G&A expenses 24.5 26.6 2.1 Personnel expenses 11.7 12.2 0.5 Non-personnel expenses 10.9 11.9 1.0 Taxes 1.9 2.4 0.5 OHR 43.74% 27.98% -15.76% OHR 45.65% 29.25% -16.40% FY2025 1Q FY2026 1Q Non-consolidated Consolidated OHR G&A expenses / OHR Consolidated OHR -16.40% Non- consolidated OHR -15.75% * OHR: Expenses / (net business income – bond-related gains/losses, etc. + net provisions to general allowance for loan losses + expenses） Excl. gains/losses on the cancelation ：39.16% Excl. gains/losses on the cancelation ：40.64% 1Q 1Q 1Q 1Q ＊Excl. gains/losses on the cancelation (39.16%*) (40.64%*)
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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 12.2 13.3 14.8 17.7 20.3 23.0 28.4 36.5 43.9 14.9 9.9 4.9 9.9 9.9 9.9 29.9 15.0 54.0% 48.6% 29.9% 41.7% 50.3% 52.9% 51.7% 70.7% 55.0% FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 FY2026 (Billion yen) Shareholder return 8 8 9 11 13 15 18 24 32 8 10 11 13 15 17 22 28 32 16 18 20 24 28 32 40 52 64 24.5% 28.1% 29.9% 32.6% 33.9% 36.9% 38.3% 38.8% 41.1% FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025 FY2026 +1 +2 +2 +4 +4 配当性向（連結） Consolidated ROE 5.68% 5.56% 6.38% 7.83% 7.52% 9.42% 6.38% 6.40% 7.34% 8.93% 8.45% 11.16% FY2022 FY2023 FY2024 FY2025 FY2025 FY2026 1Q1Q *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) (Net Assets basis) +1.89% Consolidated ROE* +2.70% (yen) 2H dividend +4 * +8 Dividend ratio 40% or more / flexible share buybacksShareholder return policy 7,538.9 6,912.9 7,149.2 7,780.8 7,637.6 1,159.6 8,698.6 6,912.9 7,149.2 7,780.8 7,637.6 11.63% 16.24% 15.04% 15.02% 15.94% 11.54% 16.20% 15.04% 15.02% 15.94% 3/2023 3/2024 3/2025 3/2026 6/2026 (Billion yen) Total risk-weighted assets -1.8％ Floor adjustments Risk-weighted assets before floor adjustments Consolidated capital adequacy ratio / risk-weighted asset total CET1 ratio +0.92% Capital adequacy ratio +0.92% 【As compared to March 31, 2026】 (%) 3/2026 6/2026 Finalization completed Total capital adequacy ratio 15.02 15.94 13.35 CET1 ratio 15.02 15.94 13.35 Excluding unrealized gains/losses on securities 13.70 14.23 11.92 Start of application of Basel III finalization （March 31,2024) Rough calculation of balance sheet as of 6/2026 on a Basel III finalization basis. *Preliminary figures +12 (estimate) (Plan) Resolved to acquire own shares of up to ¥15.0 billion on August 4, 2026
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16 16 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. 738 972 1,208 1,466 1,523 2,000 25.5% 33.8% 41.4% 50.4% 52.3% 66.6% 3/2023 3/2024 3/2025 3/2026 6/2026 3/2029 (Thou.) DX Number of portal registrations / borrower penetration rate Number of app registrations / penetration rate (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 Going forward, this result will now exclude accounts that have no history of logging in * Number of Chibagin app registrations ÷ number of individual active customers （as of June 30, 2026） ■Ratio of monthly active users 78.0％ 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 June 30, 2026） ■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% 54.7% 3/2023 6/2026 ＋29.1％ 4.0% 11.7% 3/2023 6/2026 7.3% 42.7% 3/2023 6/2026 ＋35.4％ 47.9% 3/2023 6/2026 43.2% 3/2023 6/2026 51.1% 3/2023 6/2026 April 2023 Release April 2023 Release April 2023 Release 34.8 46.1 58.2 66.0 67.5 80.0 52.9% 65.6% 74.4% 79.3% 80.1% 83.0% 3/'2023 3/2024 3/2025 3/2026 6/2027 3/2029 (Thou.) Number of corporate portal registrations*2 Number of app registrations ＋7.7％ *App Store is a service mark of Apple Inc. Google Play is a trademark or registered trademark of Google LLC.
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17 1717 Supplementary Materials
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18 18 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Market-linked 3.2 Ministry of Finance loans - Short-term prime rate, etc. (corporate) 2.6Short-term prime rate, etc. (residential etc.) 4.1 Fixed (corporate) 2.9 Fixed (residential, etc.) 0.4 (Trillion yen) ② ③Corporate loans and Fixed interest rate loans Incorporating Interest Rate Hikes① Improvement of yields on corporate loans and residential loans 97.1% 97.9% 97.1% 98.6% 100.3% 39.3bp 62.3bp 66.9bp 85.1bp 87.5bp 40.5bp 64.6bp 68.8bp 86.3bp 87.2bp FY2024 FY2024 FY2025 FY2025 FY2026 1.21% 1.72% 1.16% 1.67% 1.17% 1.68% Aug. 31, 2024 Jun. 2026 ①Prime-linked loans (average interest rates on loans) Floating full-slide Pass-through rate: 79.1% Overall Pass-through rate: 78.1% Floating at any time Pass-through rate: 78.7% 89% 2.3 trillion yen 0.2 trillion yen Floating full-slide Floating at any time [Structure of prime-linked corporate loans] Loan yields have risen across all loan categories regardless of interest rate sensitivity, reflecting the steady incorporation of policy rate hikes. Yen-denominated loans 4/2023 2/2024 6/2026 ④Market-linked loans (average interest rates on loans) ￥13.4 tri. as of June 2026 1H 1H2H Market interest rate rise range Contracted rate rise range Pass-through rate 100.3% 2H ②Residential loans (average interest rates on loans) ＋0.65％1.85％ 2.50％ Short-term prime rate review 1Q 1M0.06% 1.17% 3M0.10% 1.41% 0.58% 1.75% Average interest rate on market- linked loans (balance) ３MTIBOR １MTIBOR Note:For about 80% of the stock balance linked to 1M and 3MTIBOR 0.83% 1.36% 11/2024 6/2026 Pass-through rate:86.5％ Reflected from 12/20262.75% in 8/2026 (+0.25%) Review of short-term prime rate Timing of feedback to existing loans Note: Past review to the short-term prime rate have already been reflected. (2.00% in 9/2024, 2.25% in 3/2025) 2.50% in 2/2026 (+0.25%) ④ ① ③ Overall pass-through rate since Sep. 2023* 89％ * Sep. 2023 – Jun. 2026: Increase in contracted interest rates ÷ Increase in transfer rate Revision of Short-term Prime Rate August 3, 2026 2.75%（+0.25%) 1.39％ 7/2026 (Preliminary figures) Reflection starts from 6/2026 ＊Floating interest rate only （Reflecting the Short-term prime rate）
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19 19 Copyright © 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 rises to 2.50% ●TIBOR (After July 2026) December 2025 TIBOR level + 0.25% ●Short-term prime rate (After August 2026) 2.75% ●Calculated on the assumption that the outstanding balance is unchanged from the portfolio at the end of March 2026 ●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 0.7 0.7 0.7 0.7 0.78.7 9.0 9.2 9.1 9.3 10.4 15.5 19.1 21.9 23.2 17.8 16.7 15.9 15.0 14.24.7 7.7 12.2 13.6 14.7 -17.6 -19.4 -20.3 -20.6 -21.1 25.0 30.6 36.8 39.6 41.4 FY2027 FY2028 FY2029 FY2030 FY2031 （billion yen） Policy rate to be raised to 1.00% in June 2026. ① Simulation of 1.0% terminal rate Effect of increase in profit on FY2026 earnings plan (Net interest income in yen currency) 2.0 2.2 2.2 2.2 2.2 20.3 23.3 22.7 22.0 21.8 11.8 18.9 23.8 27.7 29.9 37.2 47.9 46.8 45.8 45.09.7 13.9 18.1 19.5 20.7 -38.2 -48.4 -50.1 -50.7 -51.2 42.9 57.9 63.9 66.7 68.5 FY2027 FY2028 FY2029 FY2030 FY2031 （billion yen） Policy rate to be raised to 1.00% in June 2026. Policy rate to be raised to 1.25% in December 2026. Policy rate to be raised to 1.50% in June 2027. ② Simulation of 1.5% terminal rate Effect of increase in profit on FY2026 earnings plan (Net interest income in yen currency) Prime Market-linked interest rate Fixed Deposit Total Marketability investment (Yen bonds, etc.) Bank of Japan’s current account ●Effects of increased volume are not included in the above estimates ●10-year JGB yield rises to 2.60% ●TIBOR (After July 2026) December 2025 TIBOR level + 0.25% (After January 2027) December 2025 TIBOR level + 0.50% (After July 2027) December 2025 TIBOR level + 0.75% ●Short-term prime rate (After August 2026) 2.75% (After February 2027) 3.00% (After August 2027) 3.25% ●Portfolio assumptions and pass-through rate assumptions are the same as in simulation① ROE effect ＋1.4％ ＋1.7％ ＋2.0％ ＋2.3％＋2.2％ ROE effect ＋2.4％ ＋3.2％ ＋3.6％ ＋3.8％＋3.7％ Prime Market-linked interest rate Fixed Deposit Total Marketability investment (Yen bonds, etc.) Bank of Japan’s current account Main scenario Premise of the Mid-term Plan Volume effect estimate not included in the above graph (approximate) FY2028 +¥10.0 billion (yen-denominated net interest income) Volume effect estimate not included in the above graph (approximate) FY2028 +¥21.0 billion (yen-denominated net interest income) Note: Assuming shareholders' equity remains unchanged Note: Assuming shareholders' equity remains unchanged
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20 20 Copyright © 2026 The Chiba Bank, Ltd. All Rights Reserved. Securities portfolio management Utilizing valuation gains from the rise in stock price indices, we sold low-yielding bonds and continued to improve the securities portfolio to secure net interest income while controlling risk. Unrealized Gains/Losses on Securities (Excluding Stocks) *After taking into account unrealized gains/losses on deferred hedge swaps Major operations Completed the sale of RMBS with yields of 0.3% or lower through offsetting transactions with stock investment trusts and other assets. Purchased fixed-income bonds, primarily short-term JGBs and 2-year JGBs, while closely monitoring interest rate trends. 【As compared to March 31, 2026】 Yen bonds ＋27.4 Investment trusts etc. ＋7.3 Foreign bonds +5.3 Total＋40.1 -89.5 -62.0 -9.5 -4.2 52.6 59.9 -46.4 -6.3 3/2026 6/2026 (billion yen) 10BPV March 31,2026: 4.34 billion yen June 30, 2026: 3.70 billion yen Bond-related gains/losses -29.1 Of which yen bonds -25.3 Of which foreign bonds -1.7 Gains on cancelation of investment trusts ＋27.2 （billion yen） Average remaining maturity※ March 31, 2026: 3.1 years June 30, 2026: 2.3 years ※ After hedging via asset swaps ■Future operations ○In addition to continuing sales of low-yield bonds, we will carefully assess the timing of further investments in fixed-rate bonds. ・Gains on sales amounted to 27.2 billion yen, while unrealized gains increased. ・Unrealized losses decreased as a result of the sale of low-yield RMBS. Creating capacity to take additional interest rate risk for future accumulation of fixed-income bonds. ・Unrealized gains/losses on securities excluding stocks improved significantly. -27.0 (of which RMBS: -25.0) ・Unrealized losses decreased as a result of the sale of low-yield. FY2026 1Q Financial Results Yen bond risk exposure ↑Gains ↓Losses
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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.