Interim report
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The Chiba Bank, Ltd. 1 August 4, 2026 The Chiba Bank, Ltd. Financial Results for the Three Months of Fiscal Year 2026, ending March 31, 2027 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, 2026 to June 30, 2026) (1) Consolidated Business Results (%: Change compared to the corresponding period of the pre vious 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, 2026 145,309 41.4 41,814 34.5 29,905 37.2 June 30, 2025 102,755 16.7 31,070 8.1 21,783 8.7 Note: Comprehensive Income Period ended June 30, 2026: ¥64,348 million [ 39.6% ]; Period ended June 30, 2025: ¥46,091 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, 2026 43.16 - June 30, 2025 30.79 - (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, 2026 21,465,007 1,287,108 5.9 March 31, 2026 21,211,781 1,257,300 5.9 (Reference) Capital Assets Period ended June 30, 2026: ¥1,287,108 million; FY2025: ¥1,257,300 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, 2026 - 24.00 - 28.00 52.00 Ending March 31, 2027 - Ending March 31, 2027 (Forecast) 32.00 - 32.00 64.00 (Note) Revision of dividend forecast compared to most recent announcement: None 3. Consolidated Earnings Forecasts for FY2026 (from April 1, 2026 to March 31, 2027) (%: 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 ¥Million % ¥Million % ¥ Six Months Ending Sep tem ber 30, 2026 75,800 17.7 53,000 19.8 76.58 Fiscal Year Ending March 31, 2027 154,300 11.1 107,000 13.7 155.40 (Note) Revision of earnings forecast compare d to most recent announcement: None The Bank will acquire its own shares based on a resolution at the Board of Directors ’ Meeting held on August 4, 2026. The impact of the acquisition is included in “Profit per share” stated above.
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The Chiba Bank, Ltd. 2 * 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, 2026 775,521,087 shares March 31, 2026 775,521,087 shares ② Number of treasury shares: June 30, 2026 84,370,840 shares March 31, 2026 77,676,494 shares ③ Average number of issued shares: For the first three months of FY2026 692,856,112 shares For the first three months of FY2025 707,387,536 shares * Review of the accompanying quarterly consolid ated 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.
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The Chiba Bank, Ltd. 3 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. 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 Supplementary Information ................................ ................................ ......................... 10
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The Chiba Bank, Ltd. 4 1. Summary of the Consolidated Business Results (1) Summary of the Consolidated Business Results Financial results for the first three months of FY2026 were as follows. Ordinary income was 145,309 million yen, an increase of 42,554 million yen compared to the previous year, mainly due to an increase in interest income. Ordinary expenses were 103,495 million yen, an increase of 31,810 million yen compared to the previous year, mainly due to an increase in interest expenses. As a result, ordinary profit was 41,814 million yen, an increase of 10,743 million yen, while profit attributable to owners of parent was 29,905 million yen, an increase of 8,122 million yen compared to the previous year. (2) Summary of the Consolidated Financial Conditions Total assets as of June 30, 2026 were 21,465.0 billion yen, an increase of 253.2 billion yen compared to March 31, 2026. Figures for the Bank’s major accounts were as follows. The balance of deposits as of June 30, 2026 was 16,982.5 billion yen, an increase of 152.0 billion yen compared to March 31 2026, mainly due to increased retail deposits. This growth reflects our cont inued 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, 2026 was 14,085.4 billion yen, an increase of 3.0 billion yen compared to March 31, 2026. The balance of held of securities was 3,636.4 billion yen, an increase of 144.6 billion yen compared to March 31, 2026. (3) Explanation of the Consolidated Earnings Forecast There are no changes to the FY2026 Earnings Forecast released on May 15, 2026. Note: The aforementioned forecast is based on presently -available information and ass umptions 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 ran ge of potential factors. If the earnings forecast requires any revisions, they w ill be promptly announced.
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The Chiba Bank, Ltd. 5 2. Quarterly Consolidated Financial Statements and Main Notes (1) Quarterly Consolidated Balance Sheet (¥ Million) Item 科目 (Japanese) As of March 31, 2026 As of June 30, 2026 Assets （資産の部） Cash and due from banks 現 金 預 け 金 2,680,390 2,688,178 Call loans and bills bought コールローン及び買入手形 306,014 329,744 Receivables under securities borrowing transactions 債 券 貸 借 取 引 支 払 保 証 金 3,782 7,674 Monetary claims bought 買 入 金 銭 債 権 21,019 21,034 Trading assets 特 定 取 引 資 産 22,998 27,991 Money held in trust 金 銭 の 信 託 5,900 5,900 Securities 有 価 証 券 3,491,819 3,636,483 Loans and bills discounted 貸 出 金 14,082,336 14,085,402 Foreign exchanges 外 国 為 替 6,781 9,978 Other assets そ の 他 資 産 396,141 458,454 Tangible fixed assets 有 形 固 定 資 産 127,123 126,292 Intangible fixed assets 無 形 固 定 資産 28,001 28,586 Net defined benefit asset 退 職 給 付 に 係 る 資 産 49,139 50,050 Deferred tax assets 繰 延 税 金 資 産 2,470 2,540 Customers' liabilities for acceptances and guarantees 支 払 承 諾 見 返 23,361 22,545 Allowance for loan losses 貸 倒 引 当 金 (35,498) (35,848) Total assets 資 産 の 部 合 計 21,211,781 21,465,007 Liabilities （負債の部） Deposits 預金 16,830,424 16,982,501 Negotiable certificates of deposit 譲 渡 性 預 金 180,766 151,031 Call money and bills sold コールマネー及び売渡手形 415,244 606,680 Payables under repurchase agreements 売 現 先 勘 定 63,045 41,174 Payables under securities lending transactions 債 券 貸 借 取 引 受 入 担 保 金 192,214 207,512 Trading liabilities 特 定 取 引 負 債 19,347 22,378 Borrowed money 借 用 金 1,694,463 1,551,680 Foreign exchanges 外 国 為 替 882 734 Bonds payable 社債 47,955 48,709 Borrowed money from trust account 信託勘定 借 17,970 18,249 Other liabilities そ の 他 負 債 397,378 436,173 Net defined benefit liability 退 職 給 付 に 係 る 負 債 577 586 Provision for directors' retirement benefits 役 員 退 職 慰 労 引 当 金 206 180 Provision for reimbursement of deposits 睡 眠 預 金 払 戻 損 失 引 当 金 213 145 Provision for loyalty point programs ポ イ ン ト 引 当 金 708 726 Reserves under special laws 特 別 法 上 の 引 当 金 23 31 Deferred tax liabilities 繰 延 税 金 負 債 59,277 76,437 Deferred tax liabilities for land revaluation 再評価に係る繰延税金負債 10,420 10,419 Acceptances and guarantees 支 払 承 諾 23,361 22,545 Total liabilities 負 債 の 部 合 計 19,954,480 20,177,899
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The Chiba Bank, Ltd. 6 (¥ Million) Item 科目 (Japanese) As of March 31, 2026 As of June 30, 2026 Net assets （純資産の部） Capital stock 資 本 金 145,069 145,069 Capital surplus 資 本 剰 余 金 122,134 122,134 Retained earnings 利 益 剰 余 金 874,340 884,708 Treasury shares 自 己 株 式 (64,921) (79,922) Total shareholders' equity 株 主 資 本 合 計 1,076,621 1,071,989 Valuation difference on available-for-sale securities その他有価証券評価差額 金 102,209 130,166 Deferred gains or losses on hedges 繰 延 ヘ ッ ジ 損 益 55,087 61,962 Revaluation reserve for land 土 地 再 評 価 差 額 金 9,683 9,681 Remeasurements of defined benefit plans 退職給付に係る調整累計額 13,698 13,308 Total accumulated other comprehensive income その他の 包括利 益累計 額合計 180,678 215,118 Total net assets 純 資 産 の 部 合 計 1,257,300 1,287,108 Total liabilities and net assets 負債及 び純資産の部 合計 21,211,781 21,465,007
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The Chiba Bank, Ltd. 7 (2) Quarterly Consolidated Statements of Income and Comprehensive Income Quarterly Consolidated Statement of Income (¥ Million) Item 科目 (Japanese) For the three months ended June 30, 2025 For the three months ended June 30, 2026 Ordinary income 経 常 収 益 102,755 145,309 Interest income 資 金 運 用 収 益 72,119 112,161 Interest on loans and discounts （ う ち 貸 出 金 利 息 ） 43,855 55,572 Interest and dividends on securities （うち有価証券利息配当金） 19,475 50,456 Trust fees 信 託 報 酬 17 23 Fees and commissions income 役 務 取 引 等 収益 15,228 17,640 Trading income 特 定 取 引 収 益 65 88 Other ordinary income そ の 他 業 務 収 益 804 1,354 Other income そ の 他 経 常 収 益 14,520 14,040 Ordinary expenses 経 常 費 用 71,685 103,495 Interest expenses 資 金 調 達 費 用 26,692 30,004 Interest on deposits （ う ち 預 金 利 息 ） 11,972 16,023 Fees and commissions payments 役 務 取 引 等 費 用 6,023 6,175 Trading expenses 特 定 取 引 費 用 38 10 Other ordinary expenses そ の 他 業 務 費 用 3,280 29,171 General and administrative expenses 営 業 経 費 26,368 27,924 Other expenses そ の 他 経 常 費 用 9,281 10,209 Ordinary profit 経 常 利 益 31,070 41,814 Extraordinary gains 特 別 利 益 - 33 Gains on disposal of non-current assets 固 定 資 産 処 分 益 - 33 Extraordinary losses 特 別 損 失 108 44 Loss on disposal of non-current assets 固 定 資 産 処 分 損 66 44 Impairment loss 減 損 損 失 41 - Profit before income taxes 税 金 等 調 整 前 四 半 期 純 利 益 30,962 41,802 Income taxes-current 法人税、住民税 及び事業税 7,305 10,506 Income taxes-deferred 法 人 税 等 調 整 額 1,872 1,390 Total income taxes 法 人 税 等 合 計 9,178 11,897 Net income 四 半 期 純 利 益 21,783 29,905 Profit attributable to owners of parent 親会社株主に帰属する 四 半 期 純 利 益 21,783 29,905
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The Chiba Bank, Ltd. 8 Quarterly Consolidated Statement of Comprehensive Income (¥ Million) Item 科目 (Japanese) For the three months ended June 30, 2025 For the three months ended June 30, 2026 Net income 四 半 期 純 利 益 21,783 29,905 Other comprehensive income そ の 他 の 包 括 利 益 24,307 34,442 Valuation difference on available-for-sale securities その他有価証券評価差額金 18,551 27,869 Deferred gains or losses on hedges 繰 延 ヘ ッ ジ 損 益 5,651 6,875 Remeasurements of defined benefit plans, net of tax 退 職 給 付 に 係 る 調 整 額 (14) (389) Share of other comprehensive income of entities accounted for using equity method 持 分 法 適 用 会 社 に 対 す る 持 分 相 当 額 119 87 Comprehensive income 四 半 期 包 括 利 益 46,091 64,348 (Breakdown) （ 内 訳 ） Comprehensive income attributable to owners of parent 親 会 社 株 主 に 係 る 四 半 期 包 括 利 益 46,091 64,348
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The Chiba Bank, Ltd. 9 (3) Note regarding Quarterly Consolidated Financial Statements (Note regarding Segment Information) This information is omitted because the Chiba Bank Group operates in a single segment of the banking business. (Note regarding Changes in Shareholders’ Equity) Not applicable. (Note regarding Changes the Going Concern Assumption) Not applicable. (Note regarding Quarterly Consolidated Statements of Cash Flows) Quarterly consolidated statements of cash flows have not been prepared for the first three months of fiscal year 2026. Depreciation and amortization expenses (including amortization expenses related to intangible fixed assets excluding goodwill) and amortization of goodwill for the first three months of fiscal year under review are as follows. (¥ Million) Item 科目 (Japanese) For the three months ended June 30, 2025 For the three months ended June 30, 2026 Depreciation and amortization expenses 減 価 償 却 費 2,410 2,993 Amortization of goodwill の れ ん の 償 却 額 105 105 (Note regarding Subsequent Events) In order to improve capital efficiency and enhance the return of profits to shareholders, Chiba Bank resolved at the Board of Directors ’ Meeting held on August 4, 2026 to acquire its own shares pursuant to Article 156 of the Companies Act as applied pursuant to Article 165-3 of the same act. ①Type of shares to be acquired Common stock ②Total number of shares to be acquired 10,000,000 shares (maximum) ③Total amount of shares to be acquired 15,000 million yen (maximum) ④Period of acquisition From August 5, 2026 to October 30, 2026
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The Chiba Bank, Ltd. 10 Supplementary Information Financial Results for the First Three Months of Fiscal Year 2026, ending March 31, 2027 1. P/L Summary (Non-consolidated) Non-consolidated (¥ Million) (Japanese) For the three months ended Jun. 30, 2026 (a) For the three months ended Jun. 30, 2025 (b) For the six months ending Sep. 30, 2026 (Projection) (Reference) FY2025 (a - b) Gross business profit 業 務 粗 利 益 66,628 13,444 53,183 216,216 Net interest income 資 金 利 益 85,593 36,763 48,829 198,008 Net fees and commissions income 役 務 取 引 等 利 益 8,785 1,962 6,822 32,230 Net Trading income 特 定 取 引 利 益 74 54 20 595 Net other ordinary income そ の 他 業 務 利 益 (27,825) (25,336) (2,488) (14,617) Gains (losses) related to bonds (Government bonds, etc.) うち国債等債券損益 (29,119) (25,979) (3,139) (19,986) General and administrative expenses (excluding non-recurrent expenses) (-) 経費 ( 除 く 臨 時 処 理 分) 26,686 2,124 24,562 97,612 Net business income (before provisions to general allowance for loan losses) 業 務 純 益 ( 一 般 貸 引 繰 入 前) 39,941 11,320 28,621 118,604 Core net business income コ ア 業 務 純 益 69,061 37,299 31,761 138,590 Excluding gains (losses) on cancellation of investment trusts 除く投資信託解約損益 41,846 10,936 30,909 129,800 Net provisions to general allowance for loan losses (-) (i) 一 般 貸 倒 引 当 金 純 繰 入 額 387 10 377 1,751 Net business income 業 務 純 益 39,553 11,309 28,244 116,852 Non-recurring gains (losses) 臨 時 損 益 4,170 (804) 4,974 17,695 Disposal of non-performing loans (-) (ii) うち不良債権処理額 799 311 487 7,806 Gains (losses) related to stocks, etc. うち株式等関係損益 5,023 (422) 5,446 27,000 Ordinary profit 経 常 利 益 43,724 10,504 33,219 75,900 134,548 Extraordinary gains (losses) 特 別 損 益 (35) 47 (82) (2,898) Pre-tax quarterly net income 税引前 四半期(中間・当期)純利益 43,689 10,552 33,136 131,649 Total corporate income taxes (-) 法人税等合 計 11,289 2,669 8,620 39,307 Net income 四半期(中間・当期 )純利 益 32,399 7,883 24,516 54,500 92,342 Credit-related expenses (-) (i)+(ii) 与 信 関 係 費 用 1,187 322 864 9,557 Note: Core net business income = Net business income (before provisions to general allowance for loan losses) - gains (losses) related to bonds ( government bonds, etc.) ◼ As a result of our activities to realize the Purpose and Vision, core net business income was 69.0 billion yen, an increase of 37.2 billion yen compared to the previous year, while o rdinary profit was 43.7 billion yen, an increase of 10.5 billion yen, and net income was 32.3 billion yen, an increase of 7.8 billion yen. ◼ Net income saw steady progress representing 59.4% of the projection for the six months ending September 2026.
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The Chiba Bank, Ltd. 11 2. P/L Summary (Consolidated) Consolidated (¥ Million) (Japanese) For the three months ended Jun. 30, 2026 (a) For the three months ended Jun. 30, 2025 (b) For the six months ending Sep. 30, 2026 (Projection) (Reference) FY2025 (a - b) Consolidated net revenue 連結粗利 益 65,907 13,707 52,200 223,274 Net interest income 資金利 益 82,156 36,730 45,426 194,758 Net fees and commissions 役務取引等利 益 11,489 2,266 9,222 42,506 Net trading income 特定取引利 益 78 51 27 590 Net other ordinary income その他業務利 益 (27,817) (25,340) (2,476) (14,579) General and administrative expenses (-) 営業経 費 27,924 1,555 26,368 104,888 Credit-related expenses (-) 与信関係費 用 1,665 360 1,304 9,791 Net provisions to general allowance for loan losses (-) 一般貸倒引当金純繰入 額 619 (5) 624 2,198 Disposal of non-performing loans (-) 不良債権処理 額 1,046 366 679 7,592 Gains (losses) related to stocks, etc. 株式等関係損 益 5,023 (573) 5,596 27,636 Gains (losses) on equity-method investments 持分法による投資損益 149 69 80 623 Other その 他 323 (543) 866 1,960 Ordinary profit 経常利 益 41,814 10,743 31,070 75,800 138,815 Extraordinary gains (losses) 特別損 益 (11) 96 (108) (2,704) Net income pre-tax adjustment 税金等調整 前 四半期（中間・当期）純利 益 41,802 10,840 30,962 136,111 Total corporate income taxes (-) 法人税等合計 11,897 2,718 9,178 42,047 Net income 四半期（中間・当期）純利益 29,905 8,122 21,783 94,063 Profit attributable to owners of parent 親会社株主に帰属する 四半期（ 中間・ 当期）純利 益 29,905 8,122 21,783 53,000 94,063 Net business income (before provisions to general allowance for loan losses) 連結業務純益 （一般貸倒繰入前） 39,978 11,636 28,341 128,930 Net business income 連結業務純 益 39,359 11,642 27,716 126,731 Note1: Consolidated net revenue = (Interest income - Interest expenses) + (Fees and commission s 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 profit s - subsidiaries’ general and administrative expenses and net transfer to (from) general allowance for loan losses - internal transactions ◼ Ordinary profit was 41.8 billion yen, an increase of 10.7 billion yen compared to the previous year, and profit attributable to owners of parent was 29.9 billion yen, an increase of 8.1 billion yen. ◼ Net income saw steady progress representing 56.4% of the projection for the six months ending September 2026.
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The Chiba Bank, Ltd. 12 3. Loans and Deposits (Non-consolidated / Term-end Balance) (¥ Billion) (Japanese) Jun. 30, 2026 (a) Jun. 30, 2025 (b) Mar. 31, 2026 (c) (a - b) (a - c) Loans and bills discounted 貸 出 金 14,151.9 608.1 4.2 13,543.8 14,147.7 Domestic operations 国 内 向 け 貸 出 13,540.0 484.7 (16.7) 13,055.3 13,556.7 Corporate loans 事 業 者 向 け 貸 出 8,715.8 577.0 113.9 8,138.8 8,601.9 Consumer loans 消 費 者 ロ ー ン 4,657.9 286.1 61.7 4,371.8 4,596.2 Residential loans う ち 住 宅 ロ ー ン 4,403.0 265.5 55.2 4,137.4 4,347.8 Public sector loans 公 共 向 け 貸 出 166.2 (378.4) (192.4) 544.7 358.6 Small and medium-sized enterprises, etc. [Ratio] う ち 中 小 企 業 等 貸 出 [中小企業等貸出比率 ] 11,436.7 [84.46%] 649.4 [1.83%] 91.9 [0.78%] 10,787.3 [82.62%] 11,344.7 [83.68%] Overseas operations 海 外 向 け 貸 出 611.8 123.4 20.9 488.4 590.9 Deposits 預金 17,002.9 695.0 151.5 16,307.9 16,851.4 Domestic operations 国内 16,527.1 738.2 224.1 15,788.9 16,303.0 Retail deposits 個 人 11,725.5 193.9 141.9 11,531.5 11,583.6 Corporate deposits 法人 3,645.1 279.2 202.4 3,365.8 3,442.7 Public sector deposits 公共 1,156.4 264.9 (120.2) 891.4 1,276.7 Overseas operations 海外店等 475.8 (43.2) (72.5) 519.0 548.4 Note: Ratio = Small and medium-sized enterprises, etc. / Domestic loans and bills discounted (¥ Billion) (Japanese) For the three months ended Jun. 30, 2026 (a) For the three months ended Jun. 30, 2025 (b) FY2025 (c) (a - b) (a - c) Loans and bills discounted (average balance) 貸出金（平残 ） 14,132.5 790.1 335.7 13,342.4 13,796.8 Deposits (average balance) 預 金 （ 平 残 ） 16,723.4 615.2 533.1 16,108.1 16,190.2 (Reference) Investment trusts, etc. （参考）投資信託等 (¥ Billion) (Japanese) Jun. 30, 2026 (a) Jun. 30, 2025 (b) Mar. 31, 2026 (c) (a - b) (a - c) Balance of investment trusts 投資信託残高 562.1 114.5 68.7 447.6 493.4 (¥ Billion) (Japanese) Jun. 30, 2026 (a) Jun. 30, 2025 (b) Mar. 31, 2026 (c) (a - b) (a - c) Balance of retail annuities, insurance, etc. 個人年金保険等残高 925.5 (5.6) (14.2) 931.1 939.8 ◼ The balance of loans and bills discounted was 14,151.9 billion yen, an increase of 608.1 billion yen comapred to June 30, 2025, mainly due to an increase in corporate loans. ◼ Deposit balances were 17,002.9 billion yen, an increase of 695.0 billion yen comapred to June 30, 2025, mainly due to an increase in corporate deposits.
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The Chiba Bank, Ltd. 13 4. Interest Rate Spread (Domestic Business) (Non-consolidated) (Japanese) For the three months ended Jun. 30, 2026 (a) For the three months ended Jun. 30, 2025 (b) (Reference) FY2025 (a-b) (1) Average yield on interest earning assets (A) 資 金 運 用 利 回 1.90% 0.77% 1.12% 1.18% (i) Average yield on loans and bills discounted (B) 貸 出 金 利 回 1.41% 0.26% 1.15% 1.23% (ii)Average yield on securities 有 価 証 券 利 回 6.41% 3.97% 2.44% 2.10% (2) Average yield on interest bearing liabilities (C) 資 金 調 達 原 価 0.85% 0.16% 0.69% 0.72% (i) Average yield on deposits and negotiable certificates of deposit (D) 預 金 等 利 回 0.28% 0.11% 0.17% 0.19% (ii) Expense ratio 経 費 率 0.61% 0.03% 0.58% 0.57% (3) Average interest rate spread (A) - (C) 総 資 金 利 鞘 1.05% 0.62% 0.43% 0.46% Difference between average yield on loans and deposits (B) - (D) 預 貸 金 利 差 1.13% 0.15% 0.98% 1.04% Note: Figures in (1) and (2) are rounded down to second decimal places . (3) is calculated by taking the difference between (1) and (2). 5. Disclosed Claims under the Financial Reconstruction Law and Risk-Monitored Loans (Non-consolidated / Consolidated) ＜Non-consolidated＞ (¥ Million) (Japanese) Jun. 30, 2026 (a) Mar. 31, 2026 (b) (Reference) Jun. 30, 2025 (a-b) Bankrupt and Substantially Bankrupt Claims 破 産 更 生 債 権 及 び こ れ ら に 準 ず る 債 権 18,567 1,521 17,045 19,349 Doubtful Claims 危険債権 42,061 (1,614) 43,675 42,891 Substandard Claims 要 管 理 債 権 65,309 5,536 59,772 55,709 Loans past due 3 months or more 三 月 以 上 延 滞 債 権 2,608 1,666 941 722 Restructured loans 貸 出 条 件 緩 和 債 権 62,700 3,869 58,830 54,987 Total 合計 125,937 5,444 120,493 117,951 Normal Claims 正常債権 14,088,797 (1,648) 14,090,446 13,493,884 Total Claims 総 与 信 残 高 14,214,735 3,795 14,210,940 13,611,835 Non-performing loan ratio 不 良 債 権 比 率 0.88% 0.03% 0.84% 0.86% 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 Chib a Bank ’s guarantee are recorded at market value.
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The Chiba Bank, Ltd. 14 ＜Consolidated＞ (¥ Million) (Japanese) Jun. 30, 2026 (a) Mar. 31, 2026 (b) (Reference) Jun. 30, 2025 (a-b) Bankrupt and Substantially Bankrupt Claims 破 産 更 生 債 権 及 び こ れ ら に 準 ず る 債 権 17,378 1,358 16,019 18,979 Doubtful Claims 危険債権 42,164 (1,630) 43,794 43,031 Substandard Claims 要 管 理 債 権 65,314 5,535 59,778 55,717 Loans past due 3 months or more 三 月 以 上 延 滞 債 権 2,608 1,666 941 722 Restructured loans 貸 出 条 件 緩 和 債 権 62,705 3,869 58,836 54,994 Total 合計 124,856 5,264 119,591 117,728 Normal Claims 正常債権 14,026,146 (2,540) 14,028,687 13,444,115 Total Claims 総 与 信 残 高 14,151,003 2,724 14,148,279 13,561,844 Non-performing loan ratio 不 良 債 権 比 率 0.88% 0.03% 0.84% 0.86%
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The Chiba Bank, Ltd. 15 6. Securities (1) Gains (Losses) on Valuation and Unrealized Gains (Losses) of Securities with Market Value (Non-consolidated / Consolidated) Non-consolidated (¥ Billion) (Japanese) Jun. 30, 2026 Mar. 31, 2026 Market value Gains (losses) on valuation / Unrealized gains (losses) Market value Gains (losses) on valuation / Unrealized gains (losses) Gains Losses Gains Losses Other securities その他有価証券 3,519.8 164.7 348.5 183.8 3,376.0 125.0 338.6 213.6 Stocks 株式 363.9 275.3 275.5 0.2 355.0 265.7 267.3 1.5 Bonds* 債券 1,642.8 (145.5) 0.1 145.7 1,453.4 (167.9) 0.0 167.9 Others その他 1,513.0 35.0 72.8 37.8 1,567.5 27.2 71.3 44.0 Foreign bonds* う ち 外 国 債 券 937.5 (24.9) 3.0 28.0 914.8 (25.4) 3.7 29.1 Consolidated (¥ Billion) (Japanese) Jun. 30, 2026 Mar. 31, 2026 Market value Gains (losses) on valuation / Unrealized gains (losses) Market value Gains (losses) on valuation / Unrealized gains (losses) Gains Losses Gains Losses Other securities そ の 他 有 価 証 券 3,550.2 188.3 372.2 183.8 3,405.5 147.7 361.4 213.6 Stocks 株式 388.0 297.7 297.9 0.2 378.2 287.3 288.8 1.5 Bonds* 債券 1,642.8 (145.5) 0.1 145.7 1,453.4 (167.9) 0.0 167.9 Others その他 1,519.2 36.2 74.0 37.8 1,573.7 28.4 72.5 44.0 Foreign bonds* う ち 外 国 債 券 937.5 (24.9) 3.0 28.0 914.8 (25.4) 3.7 29.1 Note 1: “Gains/losses” are calculated as the difference between the book value on the balance sheet (market value) and the acquisition cost. Note 2: The tables above include negotiable certificates of deposit in “Cash and due from banks ” and beneficiary rights to the trust in “Monetary claims bought” in addition to “Securities”. *Note: The Bank performs deferred hedging operations on its bond and foreign bond positions through derivative transactions as a way to reduce market value fluctuation risk. The gains/losses on valuation of these operations are as follows. (¥ Billion) (2) Gains (Losses) related to Securities (Non-consolidated) (¥ Million) (Japanese) For the three months ended Jun. 30, 2026 (a) For the three months ended Jun. 30, 2025 (b) (Reference) FY2025 (a - b) Gains (losses) related to bonds (Government bonds, etc.) 国 債 等 債 券 損 益 (29,119) (25,979) (3,139) (19,986) Gains on sales 売 却 益 52 (88) 140 750 Gains on redemption 償 還 益 - - - - Losses on sales (-) 売 却 損 28,242 25,512 2,730 19,288 Losses on redemption (-) 償 還 損 - - - - Write-offs (-) 償却 929 379 549 1,447 Gains (losses) related to stocks, etc. 株 式 等 関 係 損 益 5,023 (422) 5,446 27,000 Gains on sales 売 却 益 5,739 141 5,597 28,033 Losses on sales (-) 売 却 損 698 697 0 567 Write-offs (-) 償却 17 (133) 151 465 (Japanese) Jun. 30, 2026 (a) Mar. 31, 2026 (b) (a - b) Bonds 債 券 (145.5) 22.3 (167.9) Foreign Bonds 外国債券 (24.9) 0.4 (25.4) Derivative transactions (deferred hedging) デ リ バ テ ィ ブ 取 引 （繰延ヘッジ） 104.2 9.9 94.3 Total gains (losses) on valuation 評 価 損 益 合 計 (66.2) 32.7 (99.0) This is an English translation of the Japanese original. Please be advised tha t there may be some disparities due to such things as differences in nuance that are inherent to the difference in languages although the English translation is prepared to mirror the Japanese original as accurately as possible.