The Chiba Bank website [IR Library] Financial Highlights for the Three Months of FY2023 ending March 2024 August 4, 2023
Financial Results for the Three Months of FY2023
Summary of Financial Results Summary of Financial Results (Consolidated) Net Interest Income Average Balance / Yield of Loans and Bills Discounted 2シ4 5 Balance of Loans / Deposits at Year-end Securities ①② Net Fees and Commissions Credit-related Expenses / FRA Claims General & Administrative Expenses Capital Adequacy Ratio / ROE / Shareholder Return DX
Supplementary Materials
Background to the Improvement in Domestic 17 Net Interest Income ① -Business Loans- Background to the Improvement in Domestic 18 Net Interest Income ② -Residential and Other Consumer Loans- Simulation of the Impact of Rising Market Interest Rates 6 7-8 9-11 12 13 14 15 Purpose To create a local community better suited to bringing each person’s hope to life Vision An Engagement Bank Group The 15th Mid-term Plan Engagement Bank Group ~ Phase 1 ~ Plan period April, 2023 ~ March, 2026 Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. 1 19.
◆ Gross business profit reached record high 1Q result and revenue was performing strong, mainly due to the following variables : • Net interest income decreased by 3.2 billion yen compared to the previous year  mainly due to impact of foreign currency interest rate hikes • Net fees and commissions increased by 0.3 billion yen compared to the previous year, remained strong Gains/losses related to bonds increased by 5.2 billion yen compared to the previous . year due to the elimination of the impact of losses on the sale of foreign bonds recorded ◆    Core business income (excl. gains/losses on the cancelation of investment trusts) decreased by 2.1 billion yen ◆ Credit-related expenses were restrained to 0.1 billion yen ◆ Net income was steady progress, on non-consolidated basis reached record high results, representing progress towards the full-year plan of 36.7%. Consolidated basis increasing for the third consecutive quarter, with progress at 30.1%.
Breakdown of Profit Attributable to Owners of Parent
(difference between consolidated and non-consolidated results)
Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. 1Q 2

Subsidiaries
*Showing profit/loss after reclassification for
[Equity method subsidiaries] Total of 6 companies
*After adjusting for unrealized gains, etc. Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved.
compared to the previous year Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. Overseas -68.1% Domestic interest and dividends on securities, other -8.4% Domestic interest on loans and deposits +3.8% Factors behind change in domestic interest on loans (year-on-year) FY2019 FY2020 FY2021 FY2022 FY2022 FY2023 1Q 4

Domestic Operations
Average balance / yield of loans and bills discounted * 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
Overseas Operations Average balance / yield of loans and bills discounted Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. 5
Balance of loans at year-end Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved.
Balance of domestic loans at year-end (by region)
(Billion yen) 【As compared to June 30, 2022】 (Total)+3.6% Retail branches outside Chiba Pref. +6.9% Special branches* +2.9% Chiba Pref. (regional revitalization areas) +2.2% Chiba Pref. (growth areas) +3.1% *Tokyo Head Office, Shinjuku Branch, and Osaka Branch
Balance of deposits at year-end
【As compared to June 30, 2022】 (Total)+2.5% Overseas operations, JOM accounts -2.0% Public sector -5.9% Corporate +3.6% Retail +3.1% 6
Balance*¹ / Average remaining maturity*² of securities
Gains/losses on securities

*1 Excluding unrealized gains/losses *2 After hedging via asset swaps 【As compared to March 31, 2023】 Yen bonds -0.3 billion yen Foreign bonds +0.0 billion yen Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. 【As compared to March 31, 2023】 Average remaining maturity of yen bonds -0.0 years (Total)+2.2% Government bonds -11.4% Municipal bonds -4.0% Corporate bonds, etc. -0.4% Investment trusts, etc. 10 BPV +0.5% Stocks -0.6% Foreign currency securities +15.0% 10.1 7 Unrealized gains/losses on other securities
Ratio of cross-shareholdings to consolidated net assets
*Cross-shareholdings are shown on a non-consolidated basis 【As compared to March 31, 2022】 Ratio of cross- shareholdings to consolidated net assets (Market value) -2.05% ◾After taking into account unrealized gains/losses on deferred hedge swaps Market value -21.3 billion yen Book value -13.7 billion yen 6/2023 Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved.
* Starting from the FY2023, management succession advisory services will be recategorized as corporate solutions from trust/inheritance-related business.  (Figures in brackets indicate the result after recategorization.) Net fees and commissions 【Year-on-year】 (Total)+0.3 Other -0.4 Cashless +0.0 Financial product sales +0.0 Trusts, inheritance +0.0 Corporate solutions +0.5 Corporate solutions-related revenue 【Year-on-year】 (Total)+0.58 Business matching +0.06 Management succession +0.02 M&A -0.09 Advisory +0.01 Syndicated loans, etc. +0.57 Private-placement bonds -0.00
Fees and commissions from financial products (Billion yen) Starting from the FY2023, fees and commissions from fund wrap are included in recurring revenue.  (updated retroactively) 【Year-on-year】 Recurring revenue rate +6% (Total) +0.0 Fin. instrument intermediary -0.0 Level-premium insurance +0.1 Annuities, whole- life insurance +0.0 Investment trusts (sale) -0.0 Investment trusts (trust fees) +0.0 (Billion yen) March 31, 2023】 (Total)+5.3% Group companies +7.2% Fund wrap +3.7% Foreign currency deposits -0.0% Public bonds +0.7% Personal annuities +3.8% Investment trusts +6.6%
Number of protection-type insurance contracts
Financial product sales (Group total)
Financial product balances (Group total)
【As compared to +128.2% Investment trusts -34.7% Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. 1Q 1Q (Total)-11.6% Fund wrap -94.0% Chibagin Securities -54.7% Personal annuities 10 (Total)+16.7% Accident, nursing +24.1% Whole-life -75.3% Medical, cancer, other +6.9% 【Year-on-year】 【Year-on-year】
Income and expenditure of cashless operations
* Subsidiary expenses include personnel expenses and other operating expenses. Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved.
Profit from new cashless operations
【Year-on-year】 (Total)+29.6% TSUBASA Visa Debit 0.27 (10/2020~) +27.7% 0.19 -0.07 Franchise locations FY2023 1Q *Expenses incurred before the launch of TSUBASA Visa Debit operations are recorded in the month of the start of operations. (10/2019~) +34.7% Number of franchise locations and transaction volume Number of TSUBASA Visa Debit carcholders *Transaction volume: monthly settlement amount for the relevant month 11

Credit-related expenses

Change ( - )
【Year-on-year】 (Total)+1.2 Write-offs / Net provision to specific allowance, etc. (-) -0.5 Net provisions to general allowance for loan losses (-) +1.6 Recoveries of written-off claims -0.1 Ratio (-) +4bp FY2022 FY2019 FY2020 FY2021 FY2022 Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. New non-performing loans Bankrupt and effectively bankrupt claims -0.2 Doubtful claims -0.8 Need-attention claims +1.0 1.8 1.5 【Year-on-year】 (Total) -0.2 FY2022 FY2023 1Q 10 Disclosed claims under the Financial Reconstruction Act / non-performing loan ratio 【As compared to March 31, 2023】 Non-performing loan ratio -0.01% (Total)-0.0 12
G&A expenses / OHR
3.85% ※ OHR: Expenses / (net business income – bond-related gains/losses, etc. + net provisions to general allowance for loan losses + expenses) OHR
Non-consolidated G&A expenses
【Year-on-year】 (Total)+3.2% Taxes +3.4% Non-personnel expenses +4.7% Personnel expenses +1.9% FY2022 FY2023 1Q 1Q FY2023 FY2022 1Q Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved 13
Consolidated capital adequacy ratio / risk-weighted asset total 【As compared to March 31, 2023】 Capital adequacy ratio +0.34% CET1 ratio +0.36% Total risk- weighted assets +1.8% Floor adjustments Risk-weighted assets | before floor | ladjustments return ratio (consolidated) Shareholder Shareholder return Dividend total Share buybacks
ROE
*Presented on a "total shareholders' equity" basis, a B/S calculation unaffected by changes in unrealized gains/losses FY2018 FY2019 FY2020 FY2021 FY2022 1Q Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. FY2022 FY2023 1Q +1 +1 +2 +2 +4 +4 +2 *includes commemorative dividend of 2 yen
Dividend payments
35.6% FY2023 (estimate) 1H dividend Dividend ratio (consolidated) 2H dividend 14 DX
Supplementary Materials 16
Yields on business loans reversed due to an improvement in contracted interest rates on fixed-rate loans and the impact of high-spread deals Factors behind change in interest on business loans (year-on-year) Improvement in yield on business loans Net interest income per day on corporate loans (yen currency) FactorsのSignificant improvement in the rate of increase in the contracted rate (pass- through rate) relative to the increase in the market rate in the case of interest rate re-fixing for fixed-rate loans FactorsのContributions from large-scale project finance and structured finance projects with high-spread Background to the Improvement in Domestic Net Interest Income ② -Residential and Other Consumer Loans- Increase in unsecured loan balances raises overall residential and other consumer loans interest income Factors behind change in interest on residential loans (year-on-year) Factors behind change in interest on unsecured loans (year-on-year) Increase in unsecured loans balances and growth rate Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved.
Net interest income on loans improved due to the rise in long-term yen interest rates, which amounted to ¥0.8 billion per 10bp (FY March 2026) (Reference: Presentation of May 2023 Financial Results) Simulation of end of YCC/negative interest rates Expected scenarios ■FY2023 1Q (Apr.~Jun.) ・YCC review Long-term rates increase : Effect1,2 ■FY2023 2Q (Jul.~Sep.) ·Repeal of YCC ▶ Long-term rates increase : Effect1,2 ·End of negative interest rates ▶ Short-term/deposit interest rates increase  :Effect3,4
Total effect (after taxes) + ￥ 5.0  bil.  (FY2025 estimate) ROE boosting effect after 3 years +0.5％ Breakdown of loans by interest rate (New) Increased revenue from current and future interest rate hikes ① Impact on loans revenue due to the change in monetary policy of the BOJ in July
Assum -ptions ■ Calculated based on the market rate on July 31, the business day following the BOJ Monetary Policy announcement   (10-year JGB yield: 0.60%) ② Additional increase in revenue in the event of a further 10bp increase in long-term interest rates
■ Based on historical yield curve movements, the increase is adjusted for each maturity. (10 years +10bp, 5 years +6bp, 3 years +4bp) ◾Ａssuming a pass-through rate of 60% against a rise in interest rates Copyright © 2023 The Chiba Bank, Ltd. All Rights Reserved. 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.