Financial and Corporate Data

Financial Highlights

Non-financial Highlights

Ordinary Profit (Consolidated/Non-consolidated/¥ billion)

72.6

90.2

¥

67.8

71.8

billionNon-consolidated:

78.8

86.9
73.6

86.0

¥

90.2
81.7

billion86.0

5,426.3

5,179.3

4,839.0

3,632.3

3,736.1

billionbillion

6,098.0

5,753.7¥182.8Renewable EnergyRelated Loan Balance:

177.7

169.7

154.9

CO2 Emissions (Scope 1 and 2)
CO2 Emissions:billion
18,783182.8

19,016

3,917.7

t-CO2

18,42912,316

128.5

3,834.3

5,350

Chiba Bank’s Value Creation

64.2

6,098.0
4,026.0¥
Housing Loans:¥
SME Loans:

Initiatives to Promote Renewable Energy

Messages

Consolidated:

SME Loans/Housing Loans (Non-consolidated/¥ billion)

4,026.0
5,350

2020.32021.32022.32023.3
Consolidated

2020.32024.3

14,104.5

14,787.6

15,424.4

2023.32024.3

SME Loansbillion2020.3Loans and Bills Discounted (Non-consolidated/¥ billion)

Number of Borrowers Supported in Relation to Business Succession/M&A

Non-consolidated:

15,951.6
10,616.5

11,206.4

12,768.0¥

11,691.3

12,153.6

billionNumber of Borrowers Supported in
Relation to Business Succession:

2023.32024.32020.3Tier 1 Common Equity Capital Ratio (Consolidated):

16.24
16.20
16.24%%

Payout Ratio (consolidated):%

Dividend per Share:

28.1%

11.51%
2020.312.28%
2021.3

Total Capital Ratio (Consolidated)

18
12.11%
11.94%
2022.3

29.9%

32.6%

622

397

399

FY2020

FY2021

518

484

FY2022

FY2023

FY2019FY2020

FY2021

FY2022

FY2023Cumulative Number of Recipients of Grants and Awards (recipients)

Initiatives to Promote the Active Participation of Women

Efforts Toward the Employment of People with Disabilities

Percentage of leadership positions held by women:( Percentage of supervisory and managerial positions held by women:

36.9%
32

28

598

569

recipients

Number of Borrowers Supported in Relation to Business Succession (companies)
Number of Borrowers Supported in Relation to M&A (companies)

%

33.9%

24

20

36.9
¥32

516

543

622

610

FY20192024.3

FY2023

24.3%
15.2%

15.2%

%

2.63
151.5

Employment Rate of People with Disabilities (Group):%)

Number of Employees with Disabilities (Group)*:%people

29.4%

2.71%

2.67%

2.63%

2.61%

2.63%

18.8%

18.4%

159.5

158.0

156.0

152.5

151.5

2023.72024.72019.62020.62021.62022.62023.6

27.2%

28.4%

16.8%

17.9%

2021.72022.7

25.5%

29.4
18.4

Financial and Corporate Data

16.20%
12.79%

2023.3

Dividends Paid

Total Capital Ratio (Consolidated):

12.12%

2022.3

FY2022

Management Base Supporting Value Creation

Capital Ratio

2021.3Cumulative Number ofRecipients of Grants andAwards:

755

747

FY2021

Support for Industrial Development and Technological Innovation

518

769

FY2020CO2 Emissions (t-CO2)

Number of Borrowers
Supported in Relation to M&A:

755

12,768.0

FY20192024.3

Human Capital Management

2022.32023.3

Balance of Renewable Energy-Related Loans (¥ billion)

320

2021.32022.3

Housing Loans574

2020.32021.3Growth Strategy for Value Creation

12,788.9

15,951.6¥

2022.3

Non-consolidated

Deposits (Non-consolidated/¥ billion)
Non-consolidated:

2021.3

11.63%
8.2%

11.54%
2023.32024.3Tier 1 Common Equity Capital Ratio (Consolidated)

2020.32021.32022.32023.3

Payout Ratio (consolidated)2024.3

Dividend per Share (¥)

2015.72020.7

Percentage of Women in Leader Positions or Higher
Percentage of Women in Manager and Supervisor Positions

Employment Rate of People with Disabilities
Number of Employees with Disabilities (people)*The numbers of employees with disabilities may include a fraction of lessthan one as they are the figures used for calculating the employment rateof people with disabilities.

103 The Chiba Bank Integrated Report 2024

The Chiba Bank Integrated Report 2024

104

Financial and Corporate Data

Financial and Corporate Data
Five-Year Summary (Consolidated)

Consolidated Balance Sheet

The Chiba Bank, Ltd. and Consolidated Subsidiaries
Years ended March 31
Million of Yen*1

2023

2024

2022

2021

2020

¥

311,701¥

278,467¥

236,185¥

232,943¥

242,984$

2,058,656

157,807

161,481

174,208

1,459,830

Profit before Income Taxes

90,66886,67078,37871,462

68,775598,826

Profit62,44060,27654,49849,641

48,037412,392

—

—

—

—

—

—

62,44060,27654,49849,641

48,037412,392

Total Assets¥21,323,895¥19,787,882¥19,104,764¥17,898,168¥15,609,936$140,835,451

Loans and Bills Discounted

12,721,829

12,107,066

11,646,721

11,166,329

10,565,697

84,022,389

Securities

2,906,067

2,576,106

2,482,224

2,401,246

2,118,588

19,193,363

Deposits

16,307,293

15,903,940

15,324,161

14,543,283

13,216,977

107,702,883

Net Assets

1,181,503

1,061,115

1,059,091

1,041,756

929,334

7,803,338

16.24%

11.63%

12.11%

12.79%

12.12%

16.24%PER (Times)

14.57

10.36

9.86

10.85

7.39

14.57

PBR (Times)

0.76

0.58

0.50

0.51

0.37

0.76

At Year-End

Capital Ratio (BIS guidelines)

U.S. Dollars

Profit¥Net Assets

86.53

¥

1,651.46

82.52
1,464.45¥

73.47
1,436.74¥

66.82
1,401.40¥

63.99
1,250.41

$

0.57
10.91

*1 Japanese yen amounts are presented in millions of yen by rounding down figures below one million. As a result, the totals in Japanese yen in the supplementary information do not necessarily agree with the sums of individual amounts.
*2 U.S. dollar amounts are shown solely for the convenience of the readers of this Integrated Report and are translated at the rate of ¥151.41 to $1.00, the exchange rate
prevailing at March 31, 2024.

$ 30,971,418
2,587,824—
12,885
152,708
181,138
72,01619,193,363
84,022,389
40,1892,501,461
816,409
96,648
189,601
20,660
182,060(205,319)$140,835,451

Liabilities
Deposits
Call Money and Bills Sold
Payables under Repurchase Agreements
Payables under Securities Lending Transactions
Trading Liabilities
Borrowed Money
Foreign Exchanges
Bonds Payable
Borrowed Money from Trust Account
Other Liabilities
Net Defined Benefit Liability
Provisions for Directors' Retirement Benefits
Provisions for Reimbursement of Deposits
Provisions for Point Loyalty Programs
Reserves under Special Laws
Deferred Tax Liabilities
Deferred Tax Liabilities for Land Revaluation
Acceptances and Guarantees
Total Liabilities¥16,307,293
1,499,383
44,481
203,429
21,4501,523,260
1,171
120,792
15,564305,193
688
192
637
790
24
60,07010,401
27,565¥20,142,392¥15,903,940
810,859
17,160337,074
18,6181,206,808
724
110,038
13,439237,725
4,476
160
910
838
24
21,742
10,402
31,822¥18,726,767$107,702,883
9,902,800
293,779
1,343,568
141,671
10,060,500
7,738
797,783
102,798
2,015,678
4,550
1,273
4,210
5,222
161
396,739
68,700
182,060$133,032,113

¥

¥

$

145,069
122,185
796,209(72,800)
990,662
159,893
16,2799,929
4,738
190,840¥ 1,181,503¥21,323,895

145,069
122,146755,517(62,943)959,789
83,907
10,4089,921(2,911)
101,326¥ 1,061,115¥19,787,882

958,121806,9815,258,630(480,817)
6,542,915
1,056,028
107,52165,58031,295
1,260,423$ 7,803,338$140,835,451

Financial and Corporate Data

Net Assets
Capital Stock
Capital Surplus
Retained Earnings
Treasury Shares
Total Shareholders’ Equity
Valuation Difference on Available-for-sale Securities
Deferred Gains or Losses on Hedges
Revaluation Reserve for Land
Remeasurements of Defined Benefit Plans
Total Accumulated Other Comprehensive Income
Total Net Assets
Total Liabilities and Net Assets

Management Base Supporting Value Creation¥ 4,065,850
335,089
17,9995,446
22,612
162,4449,279
2,576,106
12,107,066
5,375
320,687
124,473
14,222
18,5783,088
31,822(32,260)¥19,787,882

Human Capital Management

Yen

Per Share¥ 4,689,382
391,822—
1,950
23,121
27,426
10,9032,906,067
12,721,829
6,084
378,746
123,612
14,63328,707
3,128
27,565(31,087)¥21,323,895

Growth Strategy for Value Creation

191,7972024

AssetsCash and Due from Banks
Call Loans and Bills Bought
Receivables under Resale Agreements
Receivables under Securities Borrowing Transactions
Monetary Claims Bought
Trading Assets
Money Held in Trust
Securities
Loans and Bills Discounted
Foreign Exchanges
Other Assets
Tangible Fixed Assets
Intangible Fixed Assets
Net Defined Benefit AssetDeferred Tax Assets
Customers' Liabilities for Acceptances and Guarantees
Allowance for Loan Losses
Total Assets

Chiba Bank’s Value Creation

221,032

Profit Attributable to
Owners of Parent

2023

2024

Total Expenses

Profit Attributable toNon-controlling Interests

Thousands ofU.S Dollers*2

Million of Yen*1

2024

For the Year
Total Income

The Chiba Bank, Ltd. and Consolidated Subsidiaries
As of March 31, 2024

MessagesThousands ofU.S Dollers*2*1 Japanese yen amounts are presented in millions of yen by rounding down figures below one million. As a result, the totals in Japanese yen in the supplementary
information do not necessarily agree with the sums of individual amounts.
*2 U.S. dollar amounts are shown solely for the convenience of the readers of this Integrated Report and are translated at the rate of ¥151.41 to $1.00, the exchange rate
prevailing at March 31, 2024.

105 The Chiba Bank Integrated Report 2024

The Chiba Bank Integrated Report 2024

106

Financial and Corporate Data

Consolidated Statement of Income

Non-Consolidated Balance Sheet

The Chiba Bank, Ltd. and Consolidated Subsidiaries
For the year ended March 31, 2024
Millions of Yen*1

2024

2023

2024

¥119,514
44,0356,025
12260,106
1,995
7,615
39,052¥278,467$ 927,210
324,723
59,626619
416,931
9,497
47,811
272,237$2,058,656¥ 29,148
3,428
33,36022,262
6,870
92,22533,736¥221,032
90,66828,847(619)¥ 62,440¥ 62,440¥ 12,942
1,222
18,891
19,74422,44888,982
27,565¥191,797
86,67021,611
4,781¥ 60,276¥ 60,276$ 192,516
22,641
220,331
147,035
45,380609,111
222,817$1,459,830
598,826
190,525(4,091)$ 412,392$ 412,392

information do not necessarily agree with the sums of individual amounts.
*2 U.S. dollar amounts are shown solely for the convenience of the readers of this Integrated Report and are translated at the rate of ¥151.41 to $1.00, the exchange rate
prevailing at March 31, 2024.

2024¥ 4,061,582
335,089
17,9995,446
10,982
161,660
2,079
2,554,340
12,153,618
5,375
228,007
117,499
13,97619,00929,727(25,819)¥19,690,575$ 30,944,735
2,587,824—
12,885
118,933
175,148
13,89519,000,087
84,327,384
40,1891,959,755
772,682
94,974
144,573
167,396(163,150)$ 140,197,309

Liabilities
Deposits
Call Money
Payables under Repurchase Agreements
Payables under Securities Lending Transactions
Trading Liabilities
Borrowed Money
Foreign Exchanges
Bonds Payable
Borrowed money from Trust Account
Other Liabilities
Provisions for Reimbursement of Deposits
Provisions for Point Loyalty Programs
Deferred Tax Liabilities
Deferred Tax Liabilities for Land Revaluation
Acceptances and Guarantees
Total Liabilities¥16,391,141
1,499,383
44,481
203,429
21,4501,505,734
1,171
120,792
15,564247,446
637
732
51,428
10,401
25,345¥20,139,139¥15,979,239
810,859
17,160337,074
18,6181,194,268
724
110,038
13,439166,448910
502
18,834
10,402
29,727¥18,708,250$ 108,256,662
9,902,800
293,779
1,343,568
141,671
9,944,747
7,738
797,783
102,798
1,634,278
4,210
4,835
339,664
68,700167,396$ 133,010,631

¥

¥

$

145,069
122,185
725,618
50,930674,688(72,800)
920,072
141,853
16,2799,929
168,062¥ 1,088,134¥21,227,274

145,069
122,146
686,795
50,930635,865(62,943)
891,067
70,926
10,408
9,921
91,257¥ 982,325¥19,690,575

958,121806,981
4,792,408
336,373
4,456,035(480,817)
6,076,693
936,883
107,52165,5801,109,984$ 7,186,677$ 140,197,309

Financial and Corporate Data

Net Assets
Capital Stock
Capital Surplus
Retained Earnings
Legal Retained Earnings
Other Retained Earnings
Treasury Shares
Total Shareholders’ Equity
Valuation Difference on Available-for-Sale Securities
Deferred Gains or Losses on Hedges
Revaluation Reserve for Land
Total Valuation and Translation Adjustments
Total Net Assets
Total Liabilities and Net Assets

Management Base Supporting Value Creation¥ 4,685,342
391,822—1,950
18,007
26,5192,103
2,876,803
12,768,009
6,084
296,726
116,991
14,37921,88925,345(24,702)¥21,227,274

Human Capital Management*1 Japanese yen amounts are presented in millions of yen by rounding down figures below one million. As a result, the totals in Japanese yen in the supplementary

2023

2024
AssetsCash and Due from Banks
Call Loans
Receivables under Resale Agreements
Receivables under Securities Borrowing Transactions
Monetary Claims Bought
Trading Assets
Money Held in Trust
Securities
Loans and Bills Discounted
Foreign Exchanges
Other Assets
Tangible Fixed Assets
Intangible Fixed Assets
Prepaid Pension Cost
Customers’ Liabilities for Acceptances and Guarantees
Allowance for Loan Losses
Total Assets

Growth Strategy for Value Creation¥140,388
49,166
9,027
93
63,1271,438
7,239
41,219¥311,701

Thousands of
U.S. Dollars*2

Millions of Yen*1

Chiba Bank’s Value Creation

IncomeInterest Income:Interest on Loans and Discounts
Interest and Dividends on Securities
Other Interest Income
Trust Fees
Fees and Commissions
Trading Income
Other Ordinary Income
Other Income
Total Income
Expenses
Interest Expenses:
Interest on Deposits
Interest on Borrowings and Rediscounts
Other Interest Expenses
Fees and Commissions Payments
Other Ordinary Expenses
General and Administrative Expenses
Other Expenses
Total Expenses
Profit before Income Taxes
Income Taxes—Current
Income Taxes—Deferred
ProfitProfit Attributable to Owners of Parent

The Chiba Bank, Ltd.
As of March 31, 2024

MessagesThousands of
U.S. Dollars*2*1 Japanese yen amounts are presented in millions of yen by rounding down figures below one million. As a result, the totals in Japanese yen in the non-consolidated
financial statements do not necessarily agree with the sums of individual amounts.
*2 U.S. dollar amounts are shown solely for the convenience of the readers of this Integrated Report and are translated at the rate of ¥151.41 to $1.00, the exchange rate
prevailing at March 31, 2024.

107 The Chiba Bank Integrated Report 2024

The Chiba Bank Integrated Report 2024

108

Financial and Corporate Data

Group Companies
Non-Consolidated Statement of Income

The Chiba Bank Group, which comprises the Bank and 16 group companies, provides
customers with a wide-ranging lineup of financial products and services.

The Chiba Bank, Ltd.
For the year ended March 31, 2024

2024

2023

2024

Securities and asset management businesses
Company
Chibagin Securities Co., Ltd.

¥140,522
53,1028,921
9353,4781,128
7,228
13,311¥277,787¥119,557
47,9055,930
122
48,9701,353
7,627
13,927¥245,394$ 928,093
350,71958,922
619
353,201
7,454
47,74387,918$1,834,670

Chiba Chuo Twin Building, 2nd Tower 2F, 2-5-1, Chuo, Chuo-ku, Chiba-shi, Chiba 260-0013

Chibagin Asset Management Co., Ltd.
2-13-7, Kotobashi, Sumida-ku, Tokyo 130-0022$ 192,524
22,278220,260
155,352
45,380566,371
65,944$1,268,108
566,561
170,785(4,270)$ 400,046

prevailing at March 31, 2024.

Investment management,
investment advice

Established:
Capital:Bank’s voting rights:
Subsidiaries’ voting rights:

March 31, 1986
¥200 million
40%
30%Company
Chibagin Research Institute, Ltd.
Chibagin Makuhari Building, 1-10-2, Nakase, Mihama-ku, Chiba-shi, Chiba 261-0023

Chibagin Computer Service Co., Ltd.
Chibagin Makuhari Building, 1-10-2, Nakase, Mihama-ku, Chiba-shi, Chiba 261-0023

KABUTO ONE Building 11F, 7-1, Nihonbashi Kabuto-cho, Chuo-ku, Tokyo 103-0026

Principal businessCorporate profile

Research, surveys,
and consulting

Established:
Capital:Bank’s voting rights:
Subsidiaries’ voting rights:

February 28, 1990
¥150 million
31.77%
68.23%

Software development,
commissioned computation tasks

Established:
Capital:Bank’s voting rights:
Subsidiaries’ voting rights:

April 1, 1980
¥150 million
48.67%
51.33%

Research and investigation of IT andfinancial technologies,
development and sales of software

Established:
Capital:Bank’s voting rights:

July 1, 2016¥100 million
40%

Leasing and venture capital businessCompany
Chibagin Leasing Co., Ltd.
Chibagin Makuhari Building, 1-10-2, Nakase, Mihama-ku, Chiba-shi, Chiba 261-0023

Chibagin Capital Co., Ltd.
Chibagin Makuhari Building, 1-10-2, Nakase, Mihama-ku, Chiba-shi, Chiba 261-0023

Principal businessCorporate profile

Leasing

Established:
Capital:Bank’s voting rights:
Subsidiaries’ voting rights:

December 15, 1986
¥100 million
49%
51%

Operation and management ofinvestment funds,
M&A advisory business

Established:
Capital:Bank’s voting rights:
Subsidiaries’ voting rights:

May 29, 1984
¥100 million
30%
70%

Credit card businessCompany
Chibagin Card Co., Ltd.
World Business Garden Marive East 9F, 2-6-1, Nakase, Mihama-ku, Chiba-shi, Chiba 261-7109

Principal business
Credit cardand credit guarantee businessCorporate profile
Established:
Capital:Bank’s voting rights:
Subsidiaries’ voting rights:

February16, 1989
¥100 million
48.49%
51.51%

Staffing service and outsourcing businessCompany

financial statements do not necessarily agree with the sums of individual amounts.
*2 U.S. dollar amounts are shown solely for the convenience of the readers of this Integrated Report and are translated at the rate of ¥151.41 to $1.00, the exchange rate

March 27, 1944
¥4,374 million
100%

Chibagin Career Service Co., Ltd.
Chibagin Makuhari Building, 1-10-2, Nakase, Mihama-ku, Chiba-shi, Chiba 261-0023

Chibagin Heartful Co., Ltd.
4-1-10, Masago, Mihama-ku, Chiba-shi, Chiba 261-0011

Sobu Co., Ltd.
Chibagin Makuhari Building, 1-10-2, Nakase, Mihama-ku, Chiba-shi, Chiba 261-0023
TSUBASA-AML Center Co., Ltd.
1-5-5, Nihonbashi Muromachi, Chuo-ku, Tokyo 103-0022

Principal business

Human Capital Management*1 Japanese yen amounts are presented in millions of yen by rounding down figures below one million. As a result, the totals in Japanese yen in the non-consolidated

Securities business

Growth Strategy for Value Creation¥ 12,943
1,187
18,881
20,45922,44882,123
5,989¥164,033
81,361
18,897
4,336¥ 58,127

Corporate profile
Established:
Capital:Bank’s voting rights:

Research and consulting business

T&I Innovation Center Co., Ltd.

¥ 29,150
3,373
33,34923,5216,870
85,754
9,984¥192,004
85,78325,858(646)¥ 60,571

Principal business

Chiba Bank’s Value Creation

IncomeInterest Income:Interest on Loans and Discounts
Interest and Dividends on Securities
Other Interest Income
Trust Fees
Fees and Commissions
Trading Income
Other Ordinary Income
Other Income
Total Income
Expenses
Interest Expenses:
Interest on Deposits
Interest on Borrowings and Rediscounts
Other Interest Expenses
Fees and Commissions Payments
Other Ordinary Expenses
General and Administrative Expenses
Other Expenses
Total Expenses
Profit before Income Taxes
Income Taxes—Current
Income Taxes—Deferred
ProfitMessagesThousands of
U.S. Dollars*2

Millions of Yen*1

Corporate profile

Staffing service business,accounting and general administration
entrustment service business

Established:
Capital:Bank’s voting rights:

December 22, 1989
¥20 million
100%

Outsourcing of operational business

Established:
Capital:Bank’s voting rights:

December 1, 2006
¥10 million
100%

Rental and maintenance of the Chiba
Bank’s office buildings and welfare
facilities, purchase and sale of supplies
and consumer goods

Established:
Capital:Bank’s voting rights:

September 7, 1959
¥20 million
100%

Exchange transaction analysis business

Established:
Capital:Bank’s voting rights:

November 1, 2023
¥82.5 million
51.51%

Management Base Supporting Value Creation

Credit guarantees and management businessCompany
Chibagin Guarantee Co., Ltd.
3-17-5, Inage-higashi, Inage-ku, Chiba-shi, Chiba 263-0031

Chiba Servicer Co., Ltd.
Chibagin Makuhari Building, 1-10-2, Nakase, Mihama-ku, Chiba-shi, Chiba 261-0023

Principal businessCorporate profile

Loan guarantees,
fee collection services

Established:
Capital:Bank’s voting rights:
Subsidiaries’ voting rights:

May 1, 1978
¥54 million
45.63%
54.37%

Management and collection of claims

Established:
Capital:Bank’s voting rights:

October 1, 2001
¥500 million
100%

Regional trading company
Company
Chibagin Market Co., Ltd.
Tsukamoto Dai-chiba Building 2F, 2-3-1 Fujimi, Chuo-ku, Chiba-shi, Chiba 260-0015

Principal business
Regional trading company

Corporate profile
Established:
Capital:Bank’s voting rights:

May 10, 2021
¥100 million
100%

Financial and Corporate Data

Energy generation businessCompany
Himawari Green Energy Co., Ltd.
1-2 Chiba-minato, Chuo-ku, Chiba-shi, Chiba 260-8720

109 The Chiba Bank Integrated Report 2024

Principal business
Renewable energy power generation/
sales operations

Corporate profile
Established:
Capital:Bank’s voting rights:

April 28, 2023
¥50 million
100%

The Chiba Bank Integrated Report 2024

110

Financial and Corporate Data

Organization

Corporate Data

The Chiba Bank, Ltd.
As of June 26, 2024

The Chiba Bank, Ltd.
As of March 31, 2024

Principal Shareholders

Audit & Supervisory
Support Office

Audit & Supervisory
Board Members

The ten largest shareholders of the Bank and their respective shareholdings as of March 31, 2024 were as follows:
Audit and Inspection Division

Group Improvement Office

Board ofDirectors

President

Board of
DesignatedDirectors

Corporate Planning Division
Group Strategy Division
Digital Strategy Division
Public Relations Division

Appointment,
Remuneration andCorporate Advisory
Committee

Corporate Administration Division
Compliance and Risk Management Division
Human Resources Division
Diversity Management Division
General Secretariat

Percentage of Total
Shares Issued*2 (%)

101,178
40,452
27,376
26,87018,361
18,302
17,842
14,037
13,747
10,827

14.14
5.65
3.82
3.75
2.56
2.55
2.49
1.96
1.92
1.51

Excluded from the figures above are 100,093 thousand treasury shares in the name of the Chiba Bank, Ltd. (Excludes one thousand shares which, although registered in thename of the Chiba Bank, Ltd. on the shareholder list, are not actually owned by the Bank.)*1 Rounded down to the nearest thousand

Growth Strategy for Value Creation

Business Support Division

The Master Trust Bank of Japan, Ltd. (Trust Account)
Custody Bank of Japan, Ltd. (Trust Account)
STATE STREET BANK AND TRUST COMPANY 505223
Nippon Life Insurance Company
The Dai-ichi Life Insurance Company, Limited
SUMITOMO LIFE INSURANCE COMPANY
Meiji Yasuda Life Insurance Company
Sompo Japan Insurance Inc.
STATE STREET BANK WEST CLIENT - TREATY 505234
SSBTC CLIENT OMNIBUS ACCOUNT

Number of Shares(in thousands)*1

Chiba Bank’s Value Creation

GeneralMeeting of
Shareholders

Messages

Audit & Supervisory Board*2 Rounded down to two decimal places

Loan Support Division
Business Coordination Division
Business Planning DivisionCorporate Profile

Corporate Business Division

EstablishedMarch 1943

Business Succession Consulting Division
Regional Revitalization Division
Trust Business Division

Domestic
Network

Asset Management and Consultation Division
Payment Card Business Division

Overseas

Treasury Division
Treasury Operation Division
Operation Planning Division
EDP System Division
Business Operation Division
Operation Division

The Chiba Bank, Ltd.
As of June 26, 2024
New York Branch1133 Avenue of the Americas, 15th Floor, New York, N.Y.
10036, U.S.A.
Telephone: 1-212-354-7777 Fax: 1-212-354-8575
SWIFT Address: CHBAUS33

Shanghai Representative Office
Room 707, Shanghai International Trade Center,
2201 Yan-An Road (West),
Shanghai, P.R.C. 200336
Telephone: 86-21-62780482 Fax: 86-21-62780422

Treasury Operation Division
1-5-5, Nihonbashi Muromachi, Chuo-ku,
Tokyo 103-0022, Japan
Telephone: 81-3-3270-8459 Fax: 81-3-3242-1735
SWIFT Address: CHBA JPJT

Hong Kong Branch
Unit 2510, One Pacific Place, 88 Queensway, Hong Kong
Telephone: 852-2840-1222 Fax: 852-2840-0507
SWIFT Address: CHBAHKHH

Representative Office Registered in Singapore
50 Raffles Place, #10-06 Singapore Land Tower,
Singapore 048623
Telephone: 65-6438-4525 Fax: 65-6438-6890

London Branch
3rd Floor, Regina House, 1 Queen Street, London EC4N
1SW, The United Kingdom
Telephone: 44-20-7315-3111 Fax: 44-20-7236-2205
SWIFT Address: CHBAGB2L

Bangkok Representative Office
No.98 Sathorn Square Office Tower, 20th Floor, Room 2008,
North Sathorn Road, Silom, Bangrak, Bangkok 10500, Thailand
Telephone: 66-2-163-2723 Fax: 66-2-163-2725

Treasury Division
1-5-5, Nihonbashi Muromachi, Chuo-ku,
Tokyo 103-0022, Japan
Telephone: 81-3-3231-1285 Fax: 81-3-3242-1736

Transfer Agent
Figures as shown are rounded down in principal.

* Number of employees includes transferred employees but excludes temporary staff and one-year contract employees.

Editorial Policy
This document has been edited in order for stakeholders to easily understand the overview and business strategies of the
Chiba Bank Group. The International Integrated Reporting Framework advocated by the IFRS Foundation (former IIRC) andother guidelines were used for reference in the editing of this report. This report contains forward-looking statements,
including financial outlook. They are based on future outlook and forecasts, which the Bank deems reasonable at the timeof publication. They do not constitute a promise by the Bank that these will be realized. Actual results may differ from thoseexpressed in the forward-looking statements due to changes in conditions.
Reporting Period:

111 The Chiba Bank Integrated Report 2024

Financial and Corporate Data

Head Office1-2, Chiba-minato, Chuo-ku, Chiba-shi,
Chiba 260-8720, Japan
Telephone: 81-43-245-1111
https://www.chibabank.co.jp/english/

Management Base Supporting Value Creation

International Directory

Number of Employees*
Total Assets
Deposits
Loans and Bills DiscountedCapital Stock
Total Capital Ratio (BIS guidelines)
Authorized Number of Shares
Number of Issued Shares
Number of Shareholders
Stock Listing (Code)Human Capital Management

Consumer Loan Business Division

181 offices(161 branches, 17 sub branches, 3 virtual branches)
3 money exchange counters
50,916 off-branch ATM locations(including 11,624 E-net ATM locations at convenience stores, 25,505 ATM locations
jointly with Seven Bank, Ltd., 13,541 ATM locations jointly with Lawson Bank, Inc.)
3 branches (New York/Hong Kong/London)
3 representative offices (Shanghai/Singapore/Bangkok)
3,982¥21,227.2 billion (Non-Consolidated)¥15,951.6 billion (Non-Consolidated)¥12,768.0 billion (Non-Consolidated)¥145.0 billion
16.24% (Consolidated) 15.18% (Non-Consolidated)
2,500,000 thousand
815,521 thousand
37,278
Tokyo Stock Exchange (8331)
JAPAN SECURITIES AGENTS, LTD.
1-2-4, Nihonbashi Kayabacho, Chuo-ku, Tokyo 103-8202

April 2023 - March 2024 (The document includes some information from April 2024 onwards.)
Bank employees’ positions are as of June 26, 2024.
The Chiba Bank Integrated Report 2024112

1-2 Chiba-minato, Chuo-ku, Chiba-shi, Chiba 260-8720, Japan
Phone: 81-43-245-1111
https://www.chibabank.co.jp/english/