Financial Highlights for the Third Quarter of FY2022 ending March 2023 February 8, 2023 THE CHIBA BANK,LTD. connect and go beyond, for the future ~
◆ ◆ ◆ ◆ Net interest income increased by 5.6 billion yen compared to the previous year, while bond-related gains decreased significantly by 16.8 billion yen as the Bank rebalanced its foreign bond portfolio. As a result, gross business profit decreased by 6.7 billion yen. Core business income increased by 12.4 billion yen compared the previous year, the highest 3Q result in the 14 years since FY2008, as the Bank’s core business operations remained strong. Credit-related expenses decreased significantly by 6.1 billion yen compared to the previous year. Net income reached a record high 3Q result on both a non-consolidated and consolidated basis, representing progress towards the full-year plan of 84.3% and 80.8%, respectively. Breakdown of Profit Attributable to Owners of Parent (difference between consolidated and non-consolidated) FY2021 1-3Q FY2022 1-3Q 1
The 14th Medium Term Management Plan NEXT-STEP-2023 ~ connect and go beyond, for the future ~
※After adjusting for unrealized gains, etc. 2 The 14th Medium Term:Management Plan NEXT-STEP-2023
connect and go beyond, for the future ~
Net interest income
【Year-on-year】 (Total) +5.5% Overseas +12.3% Domestic interest and dividends on securities, other +17.9% Domestic interest on loans +1.3% 1-3Q 1-3Q Factors behind change in domestic interest on loans (year-on-year) (Billion yen) 【Year-on-year】 Volume factors (0.2) FY2018 FY2019 FY2020 FY2021 FY2021 FY2022 1-3Q 1-3Q 3 NEXT-STEP-2023 connect and go beyond, for the future ~

Domestic Operations
Average balance and yield of loans and bills discounted, difference between average yield on loans and deposits ※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 I 1 and ② . Interest on loans and discounts (Billion yen) 【Year-on-year】 〔Total〕 + 1.0% 3Q 2Q 1Q FY2021 FY2022 1-3Q 1-3Q
Overseas Operations
Interest on loans and discounts
(Billion yen) FY2022 4 1-3Q 1-3Q 【Year-on-year】 Average yield on loans and bills discounted +1.69% Difference between average yield on loans and deposits * +0.09% Average balance of loans and bills discounted +5.0% Average balance and yield of loans and bills discounted, difference between average yield on loans and deposits The 14th Medium Term Management Plan
NEXT-STEP-2023 connect and go beyond, for the future Balance of loans at term-end
Balance of loans at term-end (by region)
(Billion yen) 【Year-on-year】 (Total) +4.2% Overseas operations +16.4% Retail branches outside Chiba Pref. +6.5% Special Branches※ +4.8% Chiba Pref. +3.1% Balance of deposits at term-end 【Year-on-year】 Total) +4.6% Overseas operations, JOM accounts +36.5% Public sector +19.9% Corporate +0.2% Retail +4.0% 5 The 14th Medium Term Management Plan NEXT-STEP-2023 connect and go beyond, for the future ~ Balance of securities*¹ / Average remaining
maturity of securities※2
※2 After hedging with asset swaps 【Year-on-year】 Average remaining maturity of yen bonds (0.9 years) Average remaining maturity of foreign bonds (0.2 years) 〔Total〕+10.3% Government bonds +150.0% Municipal bonds (18.4%) Corporate bonds, etc. +1.3% Investment trusts, etc. +3.0% Stocks (2.2%) Foreign currency securities +13.3%

Unrealized gains (losses) on other securities
※1 Excluding unrealized gains/losses
The 1:4th Medium Term Management Plan NEXT-STEP-2023 ~ connect and go beyond, for the future ~
Fees and commission received (Billion yen) 【Year-on-year】 (Total) +1.3 Other (0.8) Cashless +0.3 Financial product sales (0.8) Trusts, inheritance +0.1 Corporate Solutions +2.4 FY2022 1-3Q 1-3Q
Corporate Solutions-related income
【Year-on-year】 (Total) +2.4 Business matching +0.0 M&A, Advisory +0.1 Syndicated loans, etc. +2.3 Private- placement bonds (0.0) results for FY2021 (updated retroactively). ※ Corporate solutions-related income does not include Corporate   1-3Q Portal revenue from the full year results for FY2021 (updated retroactively). FY2021 1-3Q 7 The 14th Medium Term Management Plan NEXT-STEP-2023 connect and go beyond, for the future ～
Fees and commissions from financial products
(Billion yen) FY2018 【Year-on-year】 (Total) (0.8) Financial instrument intermediary (0.2) Level-premium insurance (0.1) Annuities / whole life insurance +0.5. Investment trusts (1.0) FY2022 1-3Q 1-3Q
Financial product balances (Group total)
(Billion yen) 【Year-on-year】 〔Total〕(2.5%) Group companies (7.8%) Fund Wrap +39.9% Foreign currency deposits +1.5% Public bonds (3.7%) Personal annuities (2.3%) Investment trusts +6.4% Number of protection-type insurance contracts Sales of financial products (Group total) (Billion yen) 【Year-on-year】 〔Total〕(31.7%) Fund Wrap (69.8 %) Chibagin Securities (59.4%) Personal annuities +75.7% Investment trusts (27.0%) FY2021 FY2022 1-3Q 1-3Q 【Year-on-year】 (Total) +79.7% Accident, Nursing +117.8% Whole life (30.1%) Medical, cancer, other +28.6% 8 ※Accepted contracts FY2018 FY2019 FY2020 FY2021
Profit from new cashless operations

NEXT-STEP-2023 nect and go beyond, for the futur Income and expenditure of cashless operations 【Year-on-year】 the month of the start of operations. Franchise location cashless operations: Number of franchise locations and transaction volume Transaction volume ※ (Billion yen) 0.02 0.15 0.35 0.62 1.19 1.52 1.77 2.01 11.2 11.9 12.7 10.7 7.9 6.7 8.0 6.4 5.6 2.9 Mar. Dec. Sep. Sep. Jun. 2019 TSUBASA Visa Debit: Number of cardholders and transaction amount ※ Transaction volume: monthly settlement amount for the relevant month (Total) +68.9% TSUBASA Visa Debit (2020/10-) +34.9% Franchise locations (2019/10-) +195.6% 7,87 (Thou. locations) 5.1 3.1 Number of franchise locations 0.6 Sep. Dec. Dec. Mar. Jun. Mar. Jun. Dec. 2022 2020 2021 Transaction volume X Number of cardholders 9 The 14th Medium Term Management Plan NEXT-STEP-2023 connect and go beyond, for the future ~

Credit-related expenses
specific allowance for Ioan losses compared to the previous year Net credit cost ratio (-) 3bp (3bp) (6bp) Disclosed claims under the Financial Reconstruction Act / Non-performing loan ratio FY2018 FY2019 FY2020　FY2021
New non-performing loans
【Year-on-year】 +0.0 FY2018 FY2019 FY2020 FY2021 FY2021 FY2022 1-3Q 1-3Q
The 14th Medium Term:Management Plan NEXT-STEP-2023 connect and go beyond, for the future ~
G&A Expenses / OHR
※ OHR: Expenses / (net business income – bond-related gains/losses, etc. + Capital Adequacy Ratio / Risk-weighted assets (consolidated) Supplementary Materials 12 The 14th Medium Term Management Plan NEXT-STEP-2023. -and-go-beyond, for the fu
Performed interest rate risk-reduction operations to stem worsening valuation losses with an aim towards improving mid-to-long term net interest income Yen interest rate risk-reduction operations Reduced interest rate risk through the following operations: Spot sale of bonds Sale of bond futures Purchase of bond bear funds Yen bond interest rate sensitivity by term (GPS) ① ※1. Change in valuation gains/losses assuming each interest rate term increases by 10bp ※2. The Bank will begin reporting sensitivity of bond futures (by maturity) to yen bond sensitivity
Yen-denominated trust interest rate sensitivity ② Total +0.3 billion yen  (+0.2 billion yen as of Sep.2022 ) ※By holding bond bear funds, valuation gains/losses will improve as interest rates increase. 10BPV Total (①+②) Total (4.1 billion yen) Expected future increase in net interest income due to change in YCC framework last Dec. (Impact on net interest income for FY2025) ※Estimated based on rates post-monetary policy change Total +4.0 billion yen
Impact of change to Bank of Japan monetary policy on net interest income 13 The 14th Medium Term Management Plan NEXT-STEP-2023
connect and go beyond, for the future Continued improvement as a result of portfolio rebalancing Impact on existing loans and securities from increased foreign currency interest rates (approx.) [Impact of a parallel 10bp increase in interest rates] ※Estimated assuming U.S. dollar foreign currency deposit interest rate around 70% ※Not factoring in impact of increasing interest rates on credit risk
Inquiries related to this presentation should be addressed to: The Chiba Bank, Ltd. Corporate Planning Division Investor Relations Tel: 043-301-8459 Fax: 043-242-9121 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.