*Notes (1) Material changes in consolidated subsidiaries during the period (changes in specific subsidiaries accompanied by changes in scope of consol

Transcription

1 The Chiba Bank, Ltd. Financial Results for Fiscal Year 2016, ended March 31, 2017 May 10, 2017 Stock Exchange Listing: Tokyo (code: 8331) URL: Representative: Hidetoshi Sakuma, President For Inquiry: Tadayoshi Shinozaki, General Manager-Corporate Planning Division Date of General Meeting of Shareholders: June 28, 2017 (scheduled) Payment date of cash dividends: June 29, 2017 (scheduled) Filing date of Financial Statements: June 29, 2017 (scheduled) Trading Accounts: Established Supplementary Materials: Attached IR Conference: Scheduled (for investors) (Japanese yen amounts of less than 1 million and the first decimal place have been rounded down.) 1. Financial Highlights (from April 1, 2016 to March 31, 2017) (1) Consolidated Operating Results (%: Changes from previous fiscal year) Ordinary Income Ordinary Profit Profit attributable to Owners of Parent Fiscal Year Million % Million % Million % Ended March 31, ,811 (0.3) 77,604 (9.2) 52,730 (4.8) Ended March 31, , , ,444 (2.7) (Note) Comprehensive Income Fiscal year 2016: 60,798 million [108.5%] Fiscal year 2015: 29,153 million [(76.5%)] Profit per Share Profit per Share (Diluted) Return on Capital Assets Ordinary Profit on Total Assets Ordinary Profit on Ordinary Income Fiscal Year % % % Ended March 31, Ended March 31, (Reference) Equity in earnings (losses) of affiliates Fiscal year 2016: 270 million Fiscal year 2015: 184 million (2) Consolidated Financial Conditions Total Assets Net Assets Capital Assets to Total Assets Net Assets per Share Fiscal Year Million Million % Ended March 31, ,095, , , Ended March 31, ,333, , , (Reference) Capital assets Fiscal Year 2016: 900,127 million Fiscal Year 2015: 865,882 million (Note) Capital assets to total assets represents ( Net assets - Subscription rights to shares - Minority interests )/ Total assets at fiscal year-end. (3) Consolidated Cash Flows Cash Flows from Operating Activities Cash Flows from Investing Activities Cash Flows from Financing Activities Cash and Cash Equivalents at year-end Fiscal Year Million Million Million Million Ended March 31, ,320 72,591 (16,806) 1,614,299 Ended March 31, ,909 (144,763) (21,667) 1,197, Cash Dividends for Shareholders Cash Dividends per Share End of 1Q End of 2Q End of 3Q End of FY Annual Total Dividends (Annual) Dividend Payout Ratio (Consolidated) Ratio of Dividends to Net assets (Consolidated) Fiscal Year Million % % Ended March 31, , Ended March 31, , Ending March 31, 2018 (Projection) Consolidated Earnings Projections for Fiscal Year 2017, ending March 31, 2018 (%: Changes from corresponding period of previous fiscal year) Six Months Ending September 30, 2017 Fiscal Year Ending March 31, 2018 Profit attributable to Owners of Ordinary Profit Profit per Share Parent Million % Million % 44, , , ,

2 *Notes (1) Material changes in consolidated subsidiaries during the period (changes in specific subsidiaries accompanied by changes in scope of consolidation): No (2) Changes in accounting principles, accounting estimates and restatement 1 Changes in accounting principles accordance with changes in accounting standard, etc.: No 2 Other changes in accounting principles: No 3 Changes in accounting estimates: No 4 Restatement: No (3) Number of issued shares (common stock) 1 Number of issued shares (including treasury stock): March 31, ,521,087 shares March 31, ,521,087 shares 2 Number of treasury shares: March 31, ,761,158 shares March 31, ,818,360 shares 3 Average number of shares: FY ,250,735 shares FY ,042,109 shares (Reference) Non-consolidated financial highlights 1. Financial Highlights (from April 1, 2016 to March 31, 2017) (1) Non-consolidated Operating Results (%: Changes from previous fiscal year) Ordinary Income Ordinary Profit Profit Fiscal Year Million % Million % Million % Ended March 31, ,230 (2.0) 70,005 (12.1) 48,619 (7.4) Ended March 31, , , , Profit per Share Profit per Share (Diluted) Fiscal Year Ended March 31, Ended March 31, (2) Non-consolidated Financial Conditions Total Assets Net Assets Capital Assets to Total Assets Net Assets per Share Fiscal Year Million Million % Ended March 31, ,026, , , Ended March 31, ,265, , (Reference) Capital assets Fiscal Year 2016: 843,857 million Fiscal Year 2015: 814,662 million Note : Capital assets to total assets represents Net assets - Subscription rights to shares / Total assets at fiscal year-end. 2. Non-consolidated Earnings Projections for Fiscal Year 2017, ending March 31, 2018 (%: Changes from corresponding period of previous fiscal year) Ordinary Profit Profit Profit per Share Million % Million % Six Months Ending September 30, ,500 (0.1) 30, Fiscal Year Ending March 31, , , Statement relating to the status of the audit procedures This report is not subject to the audit procedures, which are based on the Financial Instruments and Exchange Law. The audit procedures are not finished at the time of release of these financial statements. Explanation for proper use of projections and other notes The above projections are based on information, which is presently available and certain assumptions which are considered to be reasonable. Actual results may differ from those projections depending on various future factors. For information related to the projections, please refer to The Analysis of Operating Results on page 2.

3 Table of Contents 1. Operating Results... 2 (1) Analysis of Operating Results and Finantial Conditions... 2 (2) Projections for FY Basic Approach to the Accounting Standards Consolidated Financial Information... 3 (1) Consolidated Balance Sheet... 3 (2) Consolidated Statement of Income and Consolidated Statement of Comprehensive Income... 5 (3) Consolidated Statement of Changes in Net Assets... 8 (4) Consolidated Cash Flow Statement (5) Notes (i) Note for the Assumption of Going Concern (ii) Additional Information (iii) Segment Information (iv) Per Share Information (v) Material Subsequent Events Non-consolidated Financial Information (1) Non-consolidated Balance Sheet (2) Non-consolidated Statement of Income (3) Non-consolidated Statement of Changes in Net Assets Supplementary Information 1

4 1. Operating Results (1) Analysis of Operating Results and Financial Conditions (i) Operating results for FY 2016 The consolidated operating results for FY 2016 were as follows. Ordinary income decreased by 881 million compared with the previous fiscal year, to 227,811 million mainly due to a decrease in interest income. Ordinary expenses increased by 7,070 million compared with the previous fiscal year, to 150,207 million mainly due to an increase in operating expenses, reflecting an increase in defined benefit expenses by discount rate down with the negative interest policy. As a result, ordinary profit decreased by 7,951 million from the previous fiscal year, to 77,604 million, and profit attributable to owners of parent decreased by 2,713 million to 52,730 million. (ii) Analysis of Financial Conditions Status of assets, liabilities and net assets The figures for the major accounts were as follows. The balance of Deposits as of March 31, 2017 was 11,550.5 billion, an increase of billion from the position as of March 31, 2016, reflecting our efforts to provide a variety of financial products and services, as well as a campaign to encourage customers to make the Chiba Bank their main banking institution for salary, pension payments and other household needs. A positive approach towards meeting the financial needs of customers, both personal and companies, brought an increase in the balance of loans of billion from the previous fiscal year-end, to 9,268.8 billion. Also, the balance of securities as of March 31, 2017 was 2,381.4 billion, a decrease of 74.2 billion from the previous fiscal year-end. As a result, the balance of total assets as of March 31, 2017 increased by billion compared with the previous fiscal year-end, to 14,095.7 billion. The balance of net assets as of March 31, 2017 increased by 34.1 billion compared with the previous fiscal year-end, to billion. Status of cash flow The status of consolidated cash flow for FY 2016 was as follows. The cash flow from operating activities was a net inflow of billion reflecting an increase in deposits, and cash flow from investing activities was a net inflow of 72.5 billion mainly due to the sale of securities. Also the cash flow from financing activities was a net outflow of 16.8 billion due to the cash dividends and acquisitions of own shares. This resulted in an increase of billion in the balance of cash and cash equivalents from the position of the previous fiscal year-end, to 1,614.2 billion. (2) Projections for FY 2017 The consolidated ordinary profit and profit attributable to owners of parent for FY 2017 are projected to be 78.0 billion and 53.0 billion respectively. The non-consolidated ordinary profit and profit for FY 2017 are projected to be 70.5 billion and 49.5 billion respectively. (Note) The above projections are based on information which is presently available, and assumptions coming from the judgment, assessment, and recognition of facts at this moment. Actual results may differ from those projections depending on various future factors (domestic and international economics, changes in the market situation of interest rates and stocks, etc.). 2. Basic Approach to the Selection of Accounting Standards The Chiba Bank group has adopted Japanese accounting standard. For adopting IFRS, we will take appropriate actions in consideration of the surround situations in Japan and abroad. 2

5 3. Consolidated Financial Information (1) Consolidated Balance Sheet 科目 Item Assets ( 資産の部 ) Mar. 31, 2016 Mar. 31, 2017 Cash and due from banks 現金預け金 1,397,413 1,806,514 Call loans and bills bought コールローン及び買入手形 198, ,078 Receivables under resale agreements 買現先勘定 4,999 14,999 Monetary claims bought 買入金銭債権 22,051 21,626 Trading assets 特定取引資産 182, ,820 Money held in trust 金銭の信託 36,893 28,140 Securities 有価証券 2,455,700 2,381,490 Loans and bills discounted 貸出金 8,769,113 9,268,854 Foreign exchanges 外国為替 2,596 4,563 Other assets その他資産 109, ,579 Tangible fixed assets 有形固定資産 101, ,185 Buildings, net 建物 30,315 30,390 Land 土地 64,224 63,771 Construction in progress 建設仮勘定 Other tangible fixed assets その他の有形固定資産 6,703 6,345 Intangible fixed assets 無形固定資産 10,934 10,942 Software ソフトウエア 9,342 8,391 Other intangible fixed assets その他の無形固定資産 1,592 2,550 Deferred tax assets 繰延税金資産 5,928 5,326 Customers' liabilities for acceptances and guarantees 支払承諾見返 76,214 56,172 Allowance for loan losses 貸倒引当金 (40,811) (32,551) Total assets 資産の部合計 13,333,858 14,095,743 Liabilities ( 負債の部 ) Deposits 預金 11,127,408 11,550,592 Negotiable certificates of deposit 譲渡性預金 359, ,192 Call money and bills sold コールマネー及び売渡手形 134, ,000 Payables under securities lending transactions 債券貸借取引受入担保金 191, ,992 Trading liabilities 特定取引負債 22,905 16,474 Borrowed money 借用金 268, ,442 Foreign exchanges 外国為替 Bonds payable 社債 107, ,267 Borrowed money from trust account 信託勘定借 - 62 Other liabilities その他負債 121, ,149 Net defined benefit liability 退職給付に係る負債 24,483 22,838 Provision for directors' retirement benefits 役員退職慰労引当金 Provision for reimbursement of deposits 睡眠預金払戻損失引当金 2,275 2,920 Provision for point card certificates ポイント引当金 Reserves under special laws 特別法上の引当金 Deferred tax liabilities 繰延税金負債 19,349 25,765 Deferred tax liabilities for land revaluation 再評価に係る繰延税金負債 11,069 10,930 Acceptances and guarantees 支払承諾 76,214 56,172 Total liabilities 負債の部合計 12,467,459 13,195,193 3

6 科目 Item Net assets ( 純資産の部 ) Mar. 31, 2016 Mar. 31, 2017 Capital stock 資本金 145, ,069 Capital surplus 資本剰余金 122, ,134 Retained earnings 利益剰余金 524, ,050 Treasury shares 自己株式 (37,480) (52,219) Total shareholders' equity 株主資本合計 754, ,033 Valuation difference on available-for-sale securities その他有価証券評価差額金 103, ,427 Deferred gains or losses on hedges 繰延ヘッジ損益 231 1,510 Revaluation reserve for land 土地再評価差額金 11,050 10,733 Remeasurements of defined benefit plans 退職給付に係る調整累計額 (3,861) (2,577) Total accumulated other comprehensive income その他の包括利益累計額合計 111, ,093 Subscription rights to shares 新株予約権 Total net assets 純資産の部合計 866, ,550 Total liabilities and net assets 負債及び純資産の部合計 13,333,858 14,095,743 4

7 (2) Consolidated Statement of Income and Consolidated Statement of Comprehensive Income Consolidated Statement of Income Item 科目 FY 2015 Ended FY 2016 Ended Ordinary income 経常収益 228, ,811 Interest income 資金運用収益 138, ,533 Interest on loans and discounts 貸出金利息 108, ,049 Interest and dividends on securities 有価証券利息配当金 26,278 25,282 Interest on call loans and bills bought コールローン利息及び買入手形利息 1,454 1,475 Interest on receivables under resale agreements 買現先利息 20 0 Interest on receivables under securities borrowing transactions 債券貸借取引受入利息 21 1 Interest on deposits with banks 預け金利息 1,876 2,478 Other interest income その他の受入利息 Trust fees 信託報酬 2 2 Fees and commissions 役務取引等収益 48,433 48,282 Trading income 特定取引収益 4,681 4,825 Other ordinary income その他業務収益 4,242 5,464 Other income その他経常収益 32,531 33,702 Reversal of allowance for loan losses 貸倒引当金戻入益 2,559 5,303 Recoveries of written off claims 償却債権取立益 2,680 2,071 Other その他の経常収益 27,291 26,328 Ordinary expenses 経常費用 143, ,207 Interest expenses 資金調達費用 15,417 16,589 Interest on deposits 預金利息 5,076 4,476 Interest on negotiable certificates of deposit 譲渡性預金利息 796 1,561 Interest on call money and bills sold コールマネー利息及び売渡手形利息 480 (244) Interest on payables under repurchase agreements 売現先利息 2 0 Interest on payables under securities lending transactions 債券貸借取引支払利息 768 1,262 Interest on borrowings and rediscounts 借用金利息 Interest on bonds 社債利息 1,953 2,092 Other interest expenses その他の支払利息 5,797 6,461 Fees and commissions payments 役務取引等費用 17,503 17,871 Other ordinary expenses その他業務費用 2,014 4,237 General and administrative expenses 営業経費 87,626 90,368 Other expenses その他経常費用 20,573 21,141 Other その他の経常費用 20,573 21,141 Ordinary profit 経常利益 85,556 77,604 5

8 Item 科目 FY 2015 Ended FY 2016 Ended Extraordinary income 特別利益 9 38 Gain on disposal of non-current assets 固定資産処分益 9 38 Extraordinary losses 特別損失 690 1,036 Loss on disposal of non-current assets 固定資産処分損 Impairment loss 減損損失 税金等調整前 Profit before income taxes 84,875 76,606 当期純利益 Income taxes - current 法人税 住民税及び事業税 25,037 20,050 Income taxes - deferred 法人税等調整額 4,393 3,826 Total income taxes 法人税等合計 29,431 23,876 Profit 当期純利益 55,444 52,730 Profit attributable to owners of parent 親会社株主に帰属する当期純利益 55,444 52,730 6

9 Consolidated Statement of Comprehensive Income 科目 FY 2015 Ended FY 2016 Ended Item Profit 当期純利益 55,444 52,730 Other comprehensive income その他の包括利益 (26,290) 8,067 Valuation difference on available-for-sale securities その他有価証券評価差額金 (17,390) 5,486 Deferred gains or losses on hedges 繰延ヘッジ損益 (182) 1,278 Revaluation reserve for land 土地再評価差額金 Remeasurements of defined benefit plans, net of tax 退職給付に係る調整額 (9,346) 1,283 Share of other comprehensive income of entities 持分法適用会社に対する accounted for using equity method 持分相当額 Comprehensive income 包 括 利 益 29,153 60,798 (Comprehensive income attributable to) ( 内訳 ) Comprehensive income attributable to owners of parent 親会社株主に係る包括利益 29,153 60,798 7

10 (3) Consolidated Statement of Changes in Net Assets FY 2015 Ended Shareholders' equity 株主資本 Balance at beginning of current period Changes of items during period Capital stock 資本金 Capital surplus 資本 剰余金 Retained earnings 利益 剰余金 Treasury shares 自己株式 Total sharehold ers' equity 株主資本 合計 当期首残高 145, , ,803 (27,532) 720,474 当期変動額 Dividends of surplus 剰余金の配当 (11,610) (11,610) Profit attributable to owners of parent 親会社株主に帰属する 当期純利益 55,444 55,444 Purchase of treasury shares 自己株式の取得 (10,065) (10,065) Disposal of treasury shares 自己株式の処分 (12) Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period 土地再評価差額 金の取崩 株主資本以外の項目の 当期変動額 ( 純額 ) 当期変動額合計 ,014 (9,948) 34,065 Balance at end of current period 当期末残高 145, , ,817 (37,480) 754,540 Accumulated other comprehensive income Balance at beginning of current period Changes of items during period Valuation difference on availablefor-sale securities その他 有価証券 評価差額 金 その他の包括利益累計額 Deferred gains or losses on hedges 繰延 ヘッジ 損益 Revaluati on reserve for land 土地 再評価 差額金 Remeasur ements of defined benefit plans 退職給付 に係る 調整累計 額 Total accumulat ed other comprehe nsive income その他の 包括利益 累計額 合計 Subscripti on rights to shares 新株 予約権 Total net assets 純資産 当期首残高 121, ,663 5, , ,747 当期変動額 合計 Dividends of surplus 剰余金の配当 (11,610) Profit attributable to owners of parent 親会社株主に帰属する 当期純利益 Purchase of treasury shares 自己株式の取得 (10,065) Disposal of treasury shares 自己株式の処分 103 Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period 土地再評価差額 金の取崩 株主資本以外の項目の 当期変動額 ( 純額 ) 55,444 (17,342) (182) 386 (9,346) (26,484) 69 (26,414) 当期変動額合計 (17,342) (182) 386 (9,346) (26,484) 69 7,651 Balance at end of current period 当期末残高 103, ,050 (3,861) 111, ,

11 FY 2016 Ended Shareholders' equity 株主資本 Balance at beginning of current period Changes of items during period Capital stock 資本金 Capital surplus 資本 剰余金 Retained earnings 利益 剰余金 Treasury shares 自己株式 Total sharehold ers' equity 株主資本 合計 当期首残高 145, , ,817 (37,480) 754,540 当期変動額 Dividends of surplus 剰余金の配当 (11,783) (11,783) Profit attributable to owners of parent 親会社株主に帰属する 当期純利益 52,730 52,730 Purchase of treasury shares 自己株式の取得 (15,027) (15,027) Disposal of treasury shares 自己株式の処分 (31) Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period 土地再評価差額 金の取崩 株主資本以外の項目の 当期変動額 ( 純額 ) 当期変動額合計 ,232 (14,738) 26,493 Balance at end of current period 当期末残高 145, , ,050 (52,219) 781,033 Accumulated other comprehensive income Balance at beginning of current period Changes of items during period Valuation difference on availablefor-sale securities その他 有価証券 評価差額 金 その他の包括利益累計額 Deferred gains or losses on hedges 繰延 ヘッジ 損益 Revaluati on reserve for land 土地 再評価 差額金 Remeasur ements of defined benefit plans 退職給付 に係る 調整累計 額 Total accumulat ed other comprehe nsive income その他の 包括利益 累計額 合計 Subscripti on rights to shares 新株 予約権 Total net assets 純資産 当期首残高 103, ,050 (3,861) 111, ,398 当期変動額 合計 Dividends of surplus 剰余金の配当 (11,783) Profit attributable to owners of parent 親会社株主に帰属する 当期純利益 Purchase of treasury shares 自己株式の取得 (15,027) Disposal of treasury shares 自己株式の処分 256 Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period 土地再評価差額 金の取崩 株主資本以外の項目の 当期変動額 ( 純額 ) 52,730 5,505 1,278 (316) 1,283 7,750 (92) 7,657 当期変動額合計 5,505 1,278 (316) 1,283 7,750 (92) 34,151 Balance at end of current period 当期末残高 109,427 1,510 10,733 (2,577) 119, ,

12 (4) Consolidated Cash Flow Statement Item Cash flows from operating activities 科目 営業活動によるキャッシュ フロー FY 2015 Ended Mar.31, 2016 FY 2016 Ended Mar.31, 2017 Income before income taxes and minority interests 税金等調整前当期純利益 84,875 76,606 Depreciation 減価償却費 8,169 8,020 Impairment loss 減損損失 Share of (profit) loss of entities accounted for using equity method 持分法による投資損益 ( は益 ) (184) (270) Increase (decrease) in allowance for loan losses 貸倒引当金の増減 ( ) (4,148) (8,260) Decrease (increase) in net defined benefit asset 退職給付に係る資産の増減額 ( は増加 ) (1,102) - Increase (decrease) in net defined benefit liability 退職給付に係る負債の増減額 ( は減少 ) (577) (1,644) Increase (decrease) in provision for directors' retirement benefits 役員退職慰労引当金の増減額 ( は減少 ) (19) 3 Increase (decrease) in provision for reimbursement of deposits 睡眠預金払戻損失引当金の増減額 ( は減少 ) Increase (decrease) in provision for point card certificates ポイント引当金の増減額 ( ) (28) 92 Gain on fund management 資金運用収益 (138,801) (135,533) Financing expenses 資金調達費用 15,417 16,589 Loss (gain) related to securities 有価証券関係損益 ( ) (5,010) (384) Loss (gain) on money held in trust 金銭の信託の運用損益 ( は運用益 ) (409) 262 Foreign exchange losses (gains) 為替差損益 ( は益 ) Loss (gain) on disposal of non-current assets 固定資産処分損益 ( は益 ) Net decrease (increase) in trading assets 特定取引資産の純増 ( ) 減 89,182 52,771 Net increase (decrease) in trading liabilities 特定取引負債の純増減 ( ) 2,117 (6,431) Net decrease (increase) in loans and bills discounted 貸出金の純増 ( ) 減 (330,428) (499,740) Net increase (decrease) in deposit 預金の純増減 ( ) 404, ,184 Net increase (decrease) in negotiable certificates of deposit 譲渡性預金の純増減 ( ) (136,471) 75,170 Net increase (decrease) in borrowed money (excluding subordinated borrowings) 借用金 ( 劣後特約付借入金を除く ) の純増減 ( ) (40,227) 10,957 Net decrease (increase) in deposit (excluding deposit paid to Bank of Japan) 預け金 ( 日銀預け金を除く ) の純増 ( ) 減 14,220 7,960 Net decrease (increase) in call loans コールローン等の純増 ( ) 減 129,115 34,723 Net decrease (increase) in receivables under securities borrowing transactions 債券貸借取引支払保証金の純増 ( ) 減 2,091 - Net increase (decrease) in call money コールマネー等の純増減 ( ) 94, ,500 Net increase (decrease) in payables under securities lending transactions 債券貸借取引受入担保金の純増減 ( ) 37, ,293 Net decrease (increase) in foreign exchanges - assets 外国為替 ( 資産 ) の純増 ( ) 減 5,483 (1,966) Net increase (decrease) in foreign exchanges - liabilities 外国為替 ( 負債 ) の純増減 ( ) (126) 52 Increase (decrease) in issuance and redemption of straight bonds 普通社債発行及び償還による増減 ( ) 37,130 - Increase (decrease) in borrowed money from trust account 信託勘定借の純増減 ( ) - 62 Proceeds from fund management 資金運用による収入 135, ,100 Payments for finance 資金調達による支出 (15,426) (16,377) Other, net その他 (10,741) (28,875) Subtotal 小計 377, ,552 Income taxes paid 法人税等の支払額 (26,531) (24,231) Net cash provided by (used in) operating activities 営業活動によるキャッシュ フロー 350, ,320 10

13 Item Cash flows from investing activities 科目 投資活動によるキャッシュ フロー FY 2015 Ended Mar.31, 2016 FY 2016 Ended Mar.31, 2017 Purchase of securities 有価証券の取得による支出 (1,544,164) (1,133,369) Proceeds from sales of securities 有価証券の売却による収入 1,095, ,889 Proceeds from redemption of securities 有価証券の償還による収入 306, ,708 Increase in money held in trust 金銭の信託の増加による支出 (6,300) (5,900) Decrease in money held in trust 金銭の信託の減少による収入 10,959 14,253 Purchase of tangible fixed assets 有形固定資産の取得による支出 (3,783) (3,133) Increase in disposal of tangible fixed assets 有形固定資産の除却による支出 (71) (47) Purchase of intangible fixed assets 無形固定資産の取得による支出 (3,237) (3,810) Net cash provided by (used in) investing activities 投資活動によるキャッシュ フロー (144,763) 72,591 Cash flows from financing activities 財務活動によるキャッシュ フロー Decrease in subordinated borrowings 劣後特約付借入金の返済による支出 - 20,000 Issuance of subordinated bonds 劣後特約付社債の発行による収入 - (10,000) Cash dividends paid 配当金の支払額 (11,610) (11,783) Purchase of treasury shares 自己株式の取得による支出 (10,065) (15,027) Proceeds from sales of treasury shares 自己株式の売却による収入 9 3 Net cash provided by (used in) financing activities 財務活動によるキャッシュ フロー (21,667) (16,806) Effect of exchange rate change on cash and cash equivalents 現金及び現金同等物に係る換算差額 (100) (43) Net increase (decrease) in cash and cash equivalents 現金及び現金同等物の増減額 ( は減少 ) 184, ,061 Cash and cash equivalents at beginning of period 現金及び現金同等物の期首残高 1,012,861 1,197,238 Cash and cash equivalents at end of period 現金及び現金同等物の期末残高 1,197,238 1,614,299 11

14 (5) Notes (i) Note for the Assumption of Going Concern Not applicable. (ii) Additional Information The Chiba Bank has applied the Implementation Guidance on Recoverability of Deferred Tax Assets (ASBJ Guidance No. 26, March 28, 2016) from the consolidated fiscal year ended March 31, (iii) Segment Information Fiscal year 2016 (from April 1, 2016 to March 31, 2017) Since the Chiba Bank group operates solely within the banking segment, segment information is omitted. (iv) Per Share Information FY 2016 From Apr. 1, 2016 to Mar.31, 2017 Total net assets per share 1, Profit per share Diluted profit per share (Note 1) Basis for computing Net assets per share Total net assets 900,550 Amounts to be deducted from total net assets 423 (Subscription rights to shares) 423 Net assets attributable to common stock 900,127 Number of common stock outstanding at the end of the fiscal period 797,759 thousand shares (Note 2) Basis for computing Profit per share and Diluted profit per share FY 2016 From Apr. 1, 2016 to Mar.31, 2017 Profit per share Profit 52,730 Amount that does not belong to common shareholders - Profit attributable to common stock 52,730 Average number of shares 807,250 thousand shares Diluted profit per common stock Adjustment in profit - Number of increased common stock 857 thousand shares Subscription rights to shares 857 thousand shares Convertible securities not diluting earnings per common share - (v) Material Subsequent Events Not applicable. 12

15 5. Non-consolidated Financial Information (1) Non-consolidated Balance Sheet 科目 Item Assets ( 資産の部 ) Mar. 31, 2016 Mar. 31, 2017 Cash and due from banks 現金預け金 1,393,999 1,802,733 Cash 現金 104, ,965 Due from banks 預け金 1,289,941 1,691,768 Call loans コールローン 198, ,078 Receivables under resale agreements 買現先勘定 4,999 14,999 Monetary claims bought 買入金銭債権 12,501 11,741 Trading assets 特定取引資産 182, ,232 Trading account securities 商品有価証券 9,456 7,850 Derivatives of trading securities 商品有価証券派生商品 2 - Trading-related financial derivatives 特定金融派生商品 26,039 19,991 Other trading assets その他の特定取引資産 146, ,389 Money held in trust 金銭の信託 31,393 21,140 Securities 有価証券 2,447,857 2,373,637 Government bonds 国債 834, ,059 Local government bonds 地方債 353, ,854 Corporate bonds 社債 288, ,174 Stocks 株式 220, ,781 Other securities その他の証券 750, ,767 Loans and bills discounted 貸出金 8,797,479 9,305,388 Bills discounted 割引手形 16,003 14,254 Loans on bills 手形貸付 119, ,466 Loans on deeds 証書貸付 8,036,386 8,515,618 Overdrafts 当座貸越 625, ,049 Foreign exchanges 外国為替 2,596 4,563 Due from foreign banks (our accounts) 外国他店預け 1,692 3,654 Foreign bills bought 買入外国為替 Foreign bills receivable 取立外国為替 Other assets その他資産 54,027 79,287 Prepaid expenses 前払費用 Accrued income 未収収益 12,636 12,150 Initial margins of futures markets 先物取引差入証拠金 489 1,212 Variation margins of futures markets 先物取引差金勘定 32 7 Derivatives other than for trading - assets 金融派生商品 14,461 5,734 Cash collateral paid for financial instruments 金融商品等差入担保金 8,098 26,778 Other その他の資産 18,192 33,240 Tangible fixed assets 有形固定資産 96,934 96,120 Buildings, net 建物 28,980 29,098 Land 土地 61,390 60,952 Construction in progress 建設仮勘定 Other tangible fixed assets その他の有形固定資産 5,835 5,392 Intangible fixed assets 無形固定資産 10,729 10,752 Software ソフトウエア 9,136 8,214 Other intangible fixed assets その他の無形固定資産 1,593 2,538 13

16 科目 Mar. 31, Mar. 31, Item Prepaid pension cost 前払年金費用 1, Customers liabilities for acceptances and guarantees 支払承諾見返 61,924 44,988 Allowance for loan losses 貸倒引当金 (30,464) (23,123) Total assets 資産の部合計 13,265,847 14,026,259 Liabilities ( 負債の部 ) Deposits 預金 11,140,215 11,565,778 Current deposits 当座預金 232, ,890 Ordinary deposits 普通預金 6,689,702 7,188,920 Saving deposits 貯蓄預金 243, ,038 Deposits at notice 通知預金 5,842 5,452 Time deposits 定期預金 3,666,251 3,583,503 Other deposits その他の預金 302, ,973 Negotiable certificates of deposit 譲渡性預金 399, ,992 Call money コールマネー 134, ,000 Payables under securities lending transactions 債券貸借取引受入担保金 191, ,992 Trading liabilities 特定取引負債 22,905 16,474 Derivatives of trading securities - assets 商品有価証券派生商品 18 6 Trading-related financial derivatives 特定金融派生商品 22,886 16,467 Borrowed money 借用金 267, ,646 Borrowings from other banks 借入金 267, ,646 Foreign exchanges 外国為替 Foreign bills sold 売渡外国為替 Foreign bills payable 未払外国為替 Bonds payable 社債 107, ,267 Borrowed money from trust account 信託勘定借 - 62 Other liabilities その他負債 73,185 53,245 Domestic exchange settlement account, credit 未決済為替借 Income taxes payable 未払法人税等 10,521 6,192 Accrued expenses 未払費用 9,414 9,828 Unearned revenue 前受収益 2,110 2,124 Derivatives other than for trading - liabilities 金融派生商品 4,101 11,582 Cash collateral received for financial instruments 金融商品等受入担保金 12,865 5,608 Asset retirement obligations 資産除去債務 Other その他の負債 33,941 17,633 Provision for retirement benefits 退職給付引当金 19,320 19,140 Provision for reimbursement of deposits 睡眠預金払戻損失引当金 2,275 2,920 Provision for point card certificates ポイント引当金 Deferred tax liabilities 繰延税金負債 18,594 24,577 Deferred tax liabilities for land revaluation 再評価に係る繰延税金負債 11,069 10,930 Acceptances and guarantees 支払承諾 61,924 44,988 Total liabilities 負債の部合計 12,450,669 13,181,978 14

17 科目 Item Net assets ( 純資産の部 ) Mar. 31, 2016 Mar. 31, 2017 Capital stock 資本金 145, ,069 Capital surplus 資本剰余金 122, ,134 Legal capital surplus 資本準備金 122, ,134 Retained earnings 利益剰余金 477, ,303 Legal retained earnings 利益準備金 50,930 50,930 Other retained earnings その他利益剰余金 426, ,373 Reserve for advanced depreciation of non-current assets 固定資産圧縮積立金 General reserve 別途積立金 370, ,971 Retained earnings brought forward 繰越利益剰余金 55,195 52,172 Treasury shares 自己株式 (37,480) (52,219) Total shareholders equity 株主資本合計 706, ,287 Valuation difference on available-for-sale securities その他有価証券評価差額金 96, ,326 Deferred gains or losses on hedges 繰延ヘッジ損益 231 1,510 Revaluation reserve for land 土地再評価差額金 11,050 10,733 Total valuation and translation adjustments 評価 換算差額等合計 107, ,570 Subscription rights to shares 新株予約権 Total net assets 純資産の部合計 815, ,280 Total liabilities and net assets 負債及び純資産の部合計 13,265,847 14,026,259 15

18 (2) Non-consolidated Statement of Income Item 科目 FY 2015 Ended FY 2016 Ended Ordinary income 経常収益 205, ,230 Interest income 資金運用収益 140, ,720 Interest on loans and discounts 貸出金利息 108, ,911 Interest and dividends on securities 有価証券利息配当金 28,707 27,744 Interest on call loans コールローン利息 1,454 1,475 Interest on receivables under resale agreements 買現先利息 20 0 Interest on receivables under securities borrowing transactions 債券貸借取引受入利息 21 1 Interest on deposits with banks 預け金利息 1,872 2,474 Other interest income その他の受入利息 Trust fees 信託報酬 2 2 Fees and commissions 役務取引等収益 39,052 39,444 Fees and commissions on domestic and foreign exchanges 受入為替手数料 7,582 7,587 Other fees and commissions その他の役務収益 31,470 31,857 Trading income 特定取引収益 3,276 2,590 Gains on trading account securities transactions 商品有価証券収益 Income from securities and derivatives related to trading transactions 特定取引有価証券収益 Income from trading-related financial derivatives transactions 特定金融派生商品収益 1,768 1,676 Other trading income その他の特定取引収益 Other ordinary income その他業務収益 4,233 5,447 Gains on foreign exchange transactions 外国為替売買益 1,262 1,458 Gains on sales of bonds 国債等債券売却益 2,941 3,039 Gains on redemption of bonds 国債等債券償還益 Income from derivatives other than for trading or hedging 金融派生商品収益 Other その他の業務収益 0 0 Other income その他経常収益 17,946 16,025 Reversal of allowance for loan losses 貸倒引当金戻入益 3,763 5,039 Recoveries of written off claims 償却債権取立益 2,655 2,051 Gain on sales of stocks and other securities 株式等売却益 3,360 1,576 Gain on money held in trust 金銭の信託運用益 Other その他の経常収益 7,758 7,274 16

19 Item 科目 FY 2015 Ended FY 2016 Ended Ordinary expenses 経常費用 125, ,224 Interest expenses 資金調達費用 15,398 16,558 Interest on deposits 預金利息 5,077 4,476 Interest on negotiable certificates of deposit 譲渡性預金利息 805 1,568 Interest on call money コールマネー利息 480 (244) Interest on payables under repurchase agreements 売現先利息 2 0 Interest on payables under securities lending transactions 債券貸借取引支払利息 768 1,262 Interest on borrowings and rediscounts 借用金利息 Interest on bonds 社債利息 1,953 2,092 Interest on interest swaps 金利スワップ支払利息 4,546 5,044 Other interest expenses その他の支払利息 1,223 1,380 Fees and commissions payments 役務取引等費用 20,017 20,343 Fees and commissions on domestic and foreign exchanges 支払為替手数料 1,480 1,458 Other fees and commissions その他の役務費用 18,536 18,885 Other ordinary expenses その他業務費用 2,014 4,237 Loss on sales of bonds 国債等債券売却損 701 4,219 Loss on devaluation of bonds 国債等債券償却 Expenses on derivatives other than for trading or hedging 金融派生商品費用 1,275 - General and administrative expenses 営業経費 81,729 84,483 Other expenses その他経常費用 6,544 5,602 Written-off of loans 貸出金償却 3,670 2,637 Losses on sales of stocks and other securities 株式等売却損 Losses on devaluation of stocks and other securities 株式等償却 24 8 Losses on money held in trust 金銭の信託運用損 Other その他の経常費用 2,286 2,604 Ordinary profit 経常利益 79,664 70,005 Extraordinary income 特別利益 9 33 Gain on disposal of non-current assets 固定資産処分益 9 33 Extraordinary losses 特別損失 641 1,034 Loss on disposal of non-current assets 固定資産処分損 Impairment loss 減損損失 Income before income taxes 税引前当期純利益 79,031 69,004 Income taxes - current 法人税 住民税及び事業税 22,172 17,218 Income taxes - deferred 法人税等調整額 4,323 3,167 Total income taxes 法人税等合計 26,496 20,385 Profit 当期純利益 52,535 48,619 17

20 (3) Non-consolidated Statement of Changes in Net Assets FY 2015 Ended Capital stock 資本金 Capital surplus 資本剰余金 Legal capital surplus 資本準備金 Total capital surplus 資本剰余金合計 Shareholders' equity 株主資本 Retained earnings 利益剰余金 Legal Other Total retained retained Retained earnings earnings earnings 利益準備金 その他利益剰余金 利益剰余金合計 Treasury shares 自己株式 Total shareholders' equity 株主資本合計 Balance at beginning of current period 当 期 首 残 高 145, , ,134 50, , ,076 (27,532) 675,747 Changes of items during period 当 期 変 動 額 Dividends of surplus 剰余金の配当 (11,610) (11,610) (11,610) Profit 当 期 純 利 益 52,535 52,535 52,535 Purchase of treasury shares 自己株式の取得 (10,065) (10,065) Disposal of treasury shares 自己株式の処分 (12) (12) Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period Balance at end of current period 土地再評価差額金の取崩 株主資本以外の項目の当期変動額 ( 純額 ) 当期変動額合計 ,106 41,106 (9,948) 31,157 当期末残高 145, , ,134 50, , ,182 (37,480) 706,905 Valuation difference on availablefor-sale securities その他有価証券評価差額金 Valuation and translation adjustments 評価 換算差額等 Deferred gains or losses on hedges 繰延ヘッジ損益 Revaluation reserve for land 土地再評価差額金 Total valuation and translation adjustments 評価 換算差額等合計 Subscription rights to shares Total net assets 新株予約権純資産合計 Balance at beginning of current period 当 期 首 残 高 114, , , ,651 Changes of items during period 当 期 変 動 額 Dividends of surplus 剰余金の配当 (11,610) Profit 当 期 純 利 益 52,535 Purchase of treasury shares 自己株式の取得 (10,065) Disposal of treasury shares 自己株式の処分 103 Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period Balance at end of current period 土地再評価差額金の取崩 株主資本以外の項目の当期変動額 ( 純額 ) (17,904) (182) 386 (17,700) 69 (17,630) 当期変動額合計 (17,904) (182) 386 (17,700) 69 13,527 当期末残高 96, , , ,

21 FY 2016 Ended Capital stock 資本金 Capital surplus 資本剰余金 Legal capital surplus 資本準備金 Total capital surplus 資本剰余金合計 Shareholders' equity 株主資本 Retained earnings 利益剰余金 Legal Other Total retained retained Retained earnings earnings earnings 利益準備金 その他利益剰余金 利益剰余金合計 Treasury shares 自己株式 Total shareholders' equity 株主資本合計 Balance at beginning of current period 当 期 首 残 高 145, , ,134 50, , ,182 (37,480) 706,905 Changes of items during period 当 期 変 動 額 Dividends of surplus 剰余金の配当 (11,783) (11,783) (11,783) Profit 当 期 純 利 益 48,619 48,619 48,619 Purchase of treasury shares 自己株式の取得 (15,027) (15,027) Disposal of treasury shares 自己株式の処分 (31) (31) Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period Balance at end of current period 土地再評価差額金の取崩 株主資本以外の項目の当期変動額 ( 純額 ) 当期変動額合計 ,121 37,121 (14,738) 22,382 当期末残高 145, , ,134 50, , ,303 (52,219) 729,287 Valuation difference on availablefor-sale securities その他有価証券評価差額金 Valuation and translation adjustments 評価 換算差額等 Deferred gains or losses on hedges 繰延ヘッジ損益 Revaluation reserve for land 土地再評価差額金 Total valuation and translation adjustments 評価 換算差額等合計 Subscription rights to shares Total net assets 新株予約権純資産合計 Balance at beginning of current period 当 期 首 残 高 96, , , ,178 Changes of items during period 当 期 変 動 額 Dividends of surplus 剰余金の配当 (11,783) Profit 当 期 純 利 益 48,619 Purchase of treasury shares 自己株式の取得 (15,027) Disposal of treasury shares 自己株式の処分 256 Reversal of revaluation reserve for land Net changes of items other than shareholders' equity Total Changes of items during period Balance at end of current period 土地再評価差額金の取崩 株主資本以外の項目の当期変動額 ( 純額 ) 5,851 1,278 (316) 6,812 (92) 6,720 当期変動額合計 5,851 1,278 (316) 6,812 (92) 29,102 当期末残高 102,326 1,510 10, , ,

22 . SUPPLEMENTARY INFORMATION For Fiscal Year 2016 (Ended March 31, 2017) THE CHIBA BANK, LTD.

23 Table of Contents I. Financial Highlights Summary... 1 (1) Summary of income... 1 (2) Loans and Deposits (Term-end balance) <Non-consolidated>... 1 (3) Capital ratio (BIS guidelines) Income and Expenses <Non-consolidated>... 2 (1) Net business income... 2 (2) Ordinary profit and Profit Management Indices <Non-consolidated> Investment and Borrowing <Non-consolidated>... 4 (1) Loans and Deposits (Term-end balance)... 4 (2) Securities (Term-end balance) Assets Quality <Non-consolidated> Earnings Projections for Fiscal Year 2017 ending March 31, 2018 etc II. Financial Data Income and Expenses Net Business Income <Non-consolidated> Interest Rate Spread (Domestic Business) <Non-consolidated> Gains and Losses on Securities <Non-consolidated> Capital Ratio (BIS Guidelines) Return on Equity Outstanding Balance of Deposits and Loans (1) Outstanding balance <Non-consolidated> (2) Breakdown of domestic loans and bills discounted (Term-end balance) and ratio of loans to small and medium-sized enterprises <Non-consolidated> (3) Consumer loans <Non-consolidated> Risk-Monitored Loans - Self-Assessment Basis (After partial direct write-offs) Allowance and Coverage Ratio against Risk-monitored Loans Disclosed Claims under the Financial Reconstruction Law <Non-consolidated> Status of Coverage on Disclosed Claims under the Financial Reconstruction Law <Non-consolidated> Allowance for Loan Losses (1) Charge-off/Allowance criteria (2) Breakdown of allowance for loan losses Loan Breakdown by Industry <Non-consolidated> (After partial direct write-offs) (1) Loan breakdown by industry (2) Breakdown of Risk-Monitored Loans by industry Loan Breakdown by Domicile of Borrower <Non-consolidated> (1) Balance of loans to specific foreign countries (2) Balance of loans to Asian countries (3) Balance of loans to Latin American countries (4) Balance of loans to Russia Gains and Losses on Valuation of Securities (1) Basis of securities valuation (2) Gains and losses on valuation Others (1) Retirement benefit (2) Tax effect Earnings Projections... 21

24 I. Financial Highlights 1. Summary (1) Summary of income <Consolidated> Ordinary profit decreased by 7.9 billion compared with the previous fiscal year, to 77.6 billion, and profit attributable to owners of parent decreased by 2.7 billion compared with the previous fiscal year, to 52.7 billion. <Non-consolidated> Ordinary profit decreased by 9.6 billion compared with the previous fiscal year, to 70.0 billion and profit decreased by 3.9 billion compared with the previous fiscal year, to 48.6 billion. Financial results for the fiscal year ended March 31, 2017 was strong as almost in line with the projection, delivered the third highest in profit both on a consolidated basis and on a non-consolidated basis. 1 Summary of income <Consolidated> FY 2016 Ended /b FY 2015 Ended (Reference) FY2016 Projection Ordinary profit 経常利益 77.6 (7.9) (9.2%) Profit attributable to owners of parent 親会社株主に帰属する当期純利益 2 Summary of income <Non-consolidated> FY 2016 Ended 52.7 (2.7) (4.8%) /b FY 2015 Ended (Reference) FY2015 Projection Ordinary profit 経常利益 70.0 (9.6) (12.1%) Profit 当期純利益 48.6 (3.9) (7.4%) (2) Loans and Deposits (Term-end balance) <Non-consolidated> The balance of loans increased by billion compared with the previous fiscal year-end, to 9,305.3 billion, and the balance of deposits increased by billion compared with the previous fiscal year-end, to 11,565.7 billion. Mar. 31, 2017 /b Mar. 31, 2016 Loans and bills discounted 貸出金 9, % 8,797.4 Deposits 預金 11, % 11,140.2 (3) Capital ratio (BIS guidelines) The total capital ratio was 13.59% on a consolidated basis, and 13.03% on a non-consolidated basis. Consolidated total capital ratio 連結総自己資本比率 13.59% (0.19%) 13.79% Tier 1 capital ratio T i e r 1 比率 12.65% (0.08%) 12.74% Common equity Tier1 capital ratio 普通株式等 T i e r 1 比率 12.65% (0.08%) 12.74% Non-consolidated total capital ratio 単体総自己資本比率 13.03% (0.22%) 13.26% Tier 1 capital ratio T i e r 1 比率 12.09% (0.15%) 12.25% Common equity Tier1 capital ratio 普通株式等 T i e r 1 比率 12.09% (0.15%) 12.25% 1

25 2. Income and Expenses <Non-consolidated> (1) Net business income Gross business profit decreased by 5.9 billion compared with the previous fiscal year, to billion. Net interest income decreased by 4.3 billion, and profit from other business transactions decreased by 1.0 billion, while net fees and commissions income remained at the same level as the previous fiscal year. Expenses increased by 1.0 billion compared with the previous fiscal year, to 83.1 billion mainly due to an increase in size-based business tax with the tax reform. Core net business income excluding gains (losses) related to bonds decreased by 3.5 billion compared with the previous fiscal year, to 62.1 billion. FY 2016 Ended /b FY 2015 Ended Gross business profit 業務粗利益 (5.9) (3.9%) Net interest income 資金利益 (4.3) Net fees and commissions income 役務取引等利益 Fees and commissions income of investment trusts Fees and commissions income of insurance Fees and commissions income from corporate customers うち投信取扱手数料 4.2 (1.7) 5.9 うち保険取扱手数料 5.7 (1.5) 7.2 うち法人関連手数料 Trading income 特定取引利益 2.5 (0.6) 3.2 Profit from other business transactions その他業務利益 1.2 (1.0) 2.2 Gains (losses) related to bonds うち債券関係損益 (1.1) (3.4) 2.2 Expenses (-) 経費 ( ) % 82.0 Personnel expenses (-) 人件費 ( ) Non-personnel expenses (-) 物件費 ( ) Taxes (-) 税金 ( ) Core net business income コア業務純益 62.1 (3.5) (5.4%) 65.7 Net business income (before transfer to general allowance for loan losses) Net transfer to general allowance for loan losses (-) 業務純益 ( 一般貸引繰入前 ) 一 般 貸 倒 引 当 金 純 繰 入 額 ( ) 60.9 (6.9) (10.2%) Net business income 業務純益 60.9 (6.9) (10.2%) 67.9 Note: Core net business income = Net business income (before transfer to general allowance for loan losses)- Gains (losses) related to bonds 注. コア業務純益 = 業務純益 ( 一般貸引繰入前 )- 債券関係損益 (Reference) ( 参考 ) Mar. 31, 2017 Mar. 31, 2016 Number of Branches 店舗数 Branches 本支店 Sub-branches 出張所 Money exchange counters and Overseas representative office 両替出張所 海外駐在員事務所 6-6 Number of employees 従業員数 4, ,280 Note: Number of employees includes employees temporarily transferred to other companies but excludes temporary staff and one-year contract employees. 注. 従業員数には 出向者を含み 臨時雇員及び嘱託を含んでおりません 2

26 (2) Ordinary profit and Profit Ordinary profit decreased by 9.6 billion compared with the previous fiscal year, to 70.0 billion, and profit decreased by 3.9 billion compared with the previous fiscal year, to 48.6 billion. Net credit costs were a reduction of 3.7 billion, an improvement of 1.4 billion compared with the previous fiscal year. Net business income (before transfer to general allowance for loan losses) Net transfer to general allowamce for loan losses (i) (-) 業 務 純 益 ( 一般貸引繰入前 ) 一 般 貸 倒 引 当 金 純 繰 入 額 ( ) FY 2016 Ended /b FY 2015 Ended 60.9 (6.9) (10.2%) Net business income 業務純益 60.9 (6.9) (10.2%) 67.9 Non-recurrent income and losses 臨時損益 9.0 (2.6) 11.7 Disposal of non-performing loans (ii) (-) うち不良債権処理額 ( ) (3.7) (1.4) (2.3) Written-off of loans (-) うち貸出金償却 ( ) 2.6 (1.0) 3.6 Reversal of allowance for loan losses うち貸倒引当金戻入益 Recoveries of written-off claims うち償却債権取立益 2.0 (0.6) 2.6 Gains (losses) related to stocks, etc. うち株式関係損益 1.5 (1.2) 2.7 Ordinary profit 経常利益 70.0 (9.6) (12.1%) 79.6 Extraordinary income (loss) 特別損益 (1.0) (0.3) (0.6) Profit 当期純利益 48.6 (3.9) (7.4%) 52.5 Gains (losses) related to securities 有価証券関係損益 0.3 (4.6) 5.0 Net credit costs (i)+(ii) (-) 与信関係費用 ( ) (3.7) (1.4) (2.3) 3. Management Indices <Non-consolidated> FY 2016 Ended FY 2015 Ended Overhead ratio (OHR) *1 OHR 57.59% 2.53% 55.06% Return on average total assets (ROA) *2 ROA 0.35% (0.03%) 0.39% Return on equity (ROE) *3 ROE 5.85% (0.63%) 6.49% *1 OHR = *2 ROA = *3 ROE = Expenses Net business income Gains (Losses) related to bonds, etc. + Net transfer to general allowance for loan losses + Expenses Profit for the current fiscal year Average total assets Profit for the current fiscal year (Total net assets at beginning of fiscal year + Total net assets at end of fiscal year) / 2 (The lower figure indicates better efficiency.) 3

27 4. Investment and Borrowing <Non-consolidated> A positive approach towards meeting the financial needs of customers brought an increase in the balance of loans of billion from the previous fiscal year-end, to 9,305.3 billion. Corporate loans increased by billion, and housing loans increased by billion compared with the previous fiscal year-end. The balance of deposits increased by billion compared with the previous fiscal year-end, to 11,565.7 billion mainly due to an increase in personal deposits. Balance of investment trusts was billion, and insurance premiums of personal annuities, etc. were 58.2 billion. (1) Loans and Deposits (Term-end balance) Loans and bills discounted 貸出金 9, ,797.4 Domestic operations 国内向け貸出 9, ,628.8 Corporate loans Small and medium-sized enterprises (i) 事業者向け貸出 5, ,135.8 うち中小企業向け貸出 4, ,786.6 Consumer loans (ii) 消費者ローン 3, ,263.4 Housing loans うち住宅ローン 3, ,140.5 Public sectors 公共向け貸出 (25.8) Small and medium-sized enterprises, etc. (i)+(ii) うち中小企業等貸出 7, ,050.0 [Ratio] ( 中小企業等貸出比率 ) [82.96%] [1.25%] [81.70%] Overseas operations 海外向け貸出 Deposits 預金 11, ,140.2 Domestic operations 国内 11, ,689.0 Personal Deposits うち個人 8, ,071.9 Corporate Deposits うち法人 2, ,972.8 Overseas operations 海外店等 (1.5) (Reference) ( 参考 ) New housing loans 住宅ローン実行額 FY 2016 Ended ( Billion) FY 2015 Ended New housing loans 住宅ローン実行額 Investment trusts and Personal annuities 投資信託等 FY 2016 Ended FY 2015 Ended Balance of investment trusts 投資信託残高 (48.2) Personal annuities (Insurance premiums) 個人年金保険等 ( 取扱保険料 ) FY 2016 Ended FY 2015 Ended 58.2 (54.9)

28 (2) Securities (Term-end balance) Securities 有価証券 2,226.4 (82.3) 2,308.8 Government bonds 国債 (169.2) Stocks 株式 Corporate bonds and others 社債他 Foreign currency securities 外貨建有価証券 (66.3) Average duration to maturity of yen bonds 円貨債券の平均残存期間 3.8 years 0.1 year 3.7 years Note 1: The above figures are acquisition costs except gains (losses) on valuation. Note 2: Financing/treasury bills are excluded from the calculation of the average duration to maturity of yen bonds. 注 1. 評価損益を除いた取得原価で表示しております 注 2. 平均残存期間は 短期国債を除いて表示しております 5. Assets Quality <Non-consolidated> Disclosed claims under the Financial Reconstruction Law decreased by 12.7 billion compared with the previous fiscal year-end, to billion. The non-performing loan ratio was 1.47% and remained at a low level. The coverage ratio, including allowances, was at a high level, 71.1% for total disclosed claims, 77.6% for doubtful claims, and 53.1% for substandard claims. Disclosed Claims under the Financial Reconstruction Law Bankrupt and Substantially Bankrupt Claims 破産更生債権及びこれらに準ずる債権 17,810 (1,864) 19,675 Doubtful Claims 危険債権 68,421 (17,154) 85,576 Substandard Claims 要管理債権 52,823 6,314 46,508 Total 合計 139,056 (12,704) 151,761 Normal Claims 正常債権 9,275, ,314 8,748,971 Total Claims Outstandings* 総与信残高 9,414, ,609 8,900,733 Non-performing loan ratio 不良債権比率 1.47% (0.22%) 1.70% Coverage ratio 保全率 71.1% (2.4%) 73.6% Note: Total Claims Outstandings 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 Chiba Bank s guarantee are recorded at market value. 注. 総与信残高 : 貸出金 外国為替 その他資産中の未収利息及び仮払金 支払承諾 有価証券中の当行保証付私募社債 なお 当行保証付私募社債については時価で計上しております (Reference) Breakdown of coverage ( 参考 ) 保全内訳 Bankrupt and Substantially Bankrupt Claims 破産更生債権及びこれらに準ずる債権 Claim amount Collateral/ Guarantees 5 Allowance for loan losses (c) Allowance Ratio * 2 c/ Coverage ratio (b+c)/a (A) Coverage ratio Mar. 31, 2016 (B) (A-B) 保全率 債権額 担保 保証貸倒引当金 引当率 保全率 28 年 3 月末比 28 年 3 月末 17,810 17, % 100.0% % Doubtful Claims 危険債権 68,421 45,503 7, % 77.6% 2.0% 75.6% Substandard Claims 要管理債権 52,823 21,265 6, % 53.1% (5.6%) 58.7% Total 合計 139,056 84,089 14, % 71.1% (2.4%) 73.6% Note 1: Approximate data Note 2: Allowance ratio: Ratio of allowance for possible loan losses to unsecured/non-guaranteed loans 注 1. 概算数値注 2. 引当率は 無担保 無保証部分に対する貸倒引当金の計上割合 * 1

29 6. Earnings Projections for Fiscal Year 2016, ending March 31, 2018, etc. <Consolidated> For the six months Ending Sep. 30, 2017 FY 2017 Ending Mar. 31, 2018 Ordinary profit 経常利益 Profit attributable to owners of parent 親会社株主に帰属する当期 ( 中間 ) 純利益 <Non-consolidated> For the six months Ending Sep. 30, 2017 FY 2017 Ending Mar. 31, 2018 Ordinary profit 経常利益 Profit 当期 ( 中間 ) 純利益 <Cash Dividends> For the six months Ending Sep. 30, 2017 FY 2017 Ending Mar. 31, 2018 Cash dividends per share 1 株当たり配当金

30 II. Financial Data 1. Income and Expenses <Non-consolidated> FY 2016 Ended FY 2015 Ended Gross business profits 業務粗利益 144,071 (5,935) 150,007 Domestic gross business profits 国内業務粗利益 138,390 (3,963) 142,354 Net interest income 資金利益 115,930 (3,564) 119,495 Net fees and commissions income 役務取引等利益 18, ,813 Net trading income 特定取引利益 2,543 (749) 3,293 Profit from other business transactions その他業務利益 1, Gains (losses) related to bonds うち債券関係損益 104 (1,897) 2,002 International gross business profits 国際業務粗利益 5,680 (1,971) 7,652 Net interest income 資金利益 5,237 (741) 5,979 Net fees and commissions income 役務取引等利益 Net trading income 特定取引利益 (17) Profit from other business transactions その他業務利益 155 (1,309) 1,465 Gains (losses) related to bonds うち債券関係損益 (1,284) (1,513) 228 Expenses (excluding non-recurrent expenses) (-) 経費 ( 除く臨時処理分 )( ) 83,119 1,047 82,072 Personnel expenses (-) 人件費 ( ) 42, ,745 Non-personnel expenses (-) 物件費 ( ) 35, ,985 Taxes (-) 税金 ( ) 5, ,341 Net business income (before transfer to 業務純益 60,952 (6,983) 67,935 general allowance for loan losses) ( 一般貸引繰入前 ) Net transfer to (from) general allowance for loan losses (i) (-) 一般貸倒引当金純繰入額 ( ) [(17)] [4,357] [(4,375)] Core net business income コア業務純益 62,132 (3,571) 65,703 Net business income 業務純益 60,952 (6,983) 67,935 Non-recurrent income and losses 臨時損益 9,053 (2,674) 11,728 Disposal of non-performing loans (ii) (-) 不良債権処理額 ( ) (3,750) (1,412) (2,338) Written-off of loans (-) 貸出金償却 ( ) 2,637 (1,032) 3,670 Net transfer to specific allowance for loan losses (-) 個別貸倒引当金純繰入額 ( ) [(5,022)] [(5,633)] [611] Losses on sales of non-performing loans (-) 延滞債権等売却損 ( ) (318) Transfer to allowance for specific foreign borrowers/countries (-) Cost borne under joint responsibility system of credit guarantee corporations (-) 特定海外債権引当勘定繰入額 ( ) 信用保証協会責任共有制度負担金 ( ) [-] [-] [-] 688 (40) 729 Reversal of allowance for loan losses 貸倒引当金戻入益 5,039 1,275 3,763 Recoveries of written off claims 償却債権取立益 2,051 (604) 2,655 Gains (losses) related to stocks, etc. 株式等関係損益 1,564 (1,209) 2,773 Other non-recurrent gains (losses) その他臨時損益 3,739 (2,878) 6,617 Ordinary profit 経常利益 70,005 (9,658) 79,664 Extraordinary income (losses) 特別損益 (1,000) (368) (632) Income before income taxes 税引前当期純利益 69,004 (10,027) 79,031 Income taxes-current (-) 法人税 住民税及び事業税 ( ) 17,218 (4,954) 22,172 Income taxes-deferred (-) 法人税等調整額 ( ) 3,167 (1,156) 4,323 Total income taxes (-) 法人税等合計 ( ) 20,385 (6,110) 26,496 Profit 当期純利益 48,619 (3,916) 52,535 Net Credit Costs (i) + (ii) (-) 与信関係費用 ( ) (3,750) (1,412) (2,338) 7

31 <Consolidated> FY 2016 Ended FY 2015 Ended Consolidated gross profits 連結粗利益 155,411 (5,814) 161,225 Net interest income 資金利益 118,944 (4,439) 123,384 Net fees and commissions income 役務取引等利益 30,413 (518) 30,932 Net trading income 特定取引利益 4, ,681 Profit from other business transactions その他業務利益 1,227 (1,000) 2,227 General and administrative expenses (-) 営業経費 ( ) 90,368 2,741 87,626 Net credit costs (i) (-) 与信関係費用 ( ) (3,769) (2,952) (817) Written-off of loans (-) 貸出金償却 ( ) 2,858 (1,096) 3,954 Net transfer to specific allowance for loan losses (-) 個別貸倒引当金純繰入額 ( ) [(5,447)] [(7,065)] [1,617] Net transfer to general allowance for loan losses (-) 一般貸倒引当金純繰入額 ( ) [144] [4,322] [(4,177)] Losses on sales of non-performing loans (-) 延滞債権等売却損 ( ) (260) Transfer to allowance for specific foreign borrowers/ countries (-) Cost borne under joint responsibility system of credit guarantee corporations 特定海外債権引当勘定繰入額 ( ) 信用保証協会責任共有制度負担金 ( ) [-] [-] [-] 688 (40) 729 Reversal of allowance for loan losses 貸倒引当金戻入益 5,303 2,743 2,559 Recoveries of written off claims 償却債権取立益 2,071 (608) 2,680 Gains (losses) related to stocks, etc. 株式等関係損益 1,564 (1,215) 2,779 Equity in earnings of affiliates 持分法による投資損益 Others その他 6,957 (1,219) 8,176 Ordinary profit 経常利益 77,604 (7,951) 85,556 Extraordinary income (losses) 特別損益 (997) (316) (680) Income before income taxes and minority interests 税金等調整前当期純利益 76,606 (8,268) 84,875 Income taxes-current (-) 法人税 住民税及び事業税 ( ) 20,050 (4,987) 25,037 Income taxes-deferred (-) 法人税等調整額 ( ) 3,826 (567) 4,393 Total income taxes (-) 法人税等合計 ( ) 23,876 (5,555) 29,431 Profit 当期純利益 52,730 (2,713) 55,444 Profit attributable to owners of parent 親会社株主に帰属帰属するする当期純利益 52,730 (2,713) 55,444 Net Credit Costs (i) (-) 与信関係費用 ( ) (3,769) (2,952) (817) Consolidated net business income (before transfer to general allowance for loan losses) 連結業務純益 ( 一般貸引繰入前 ) 70,377 (6,254) 76,632 Consolidated net business income 連結業務純益 70,377 (6,254) 76,632 Note 1: Consolidated gross profit = (Interest income - Interest expenses) + (Fees and commissions income - Fees and commissions payments) + (Trading income - Trading expenses) + (Other ordinary income - Other ordinary expenses) Note 2: Consolidated net business income = Non-consolidated net business income + subsidiaries gross profits - subsidiaries general and administrative expenses and net transfer to (from) general allowance for loan losses - internal transactions 注 1. 連結粗利益 =( 資金運用収益 - 資金調達費用 )+( 役務取引等収益 - 役務取引等費用 )+( 特定取引収益 - 特定取引費用 )+ ( その他業務収益 - その他業務費用 ) 注 2. 連結業務純益 = 単体業務純益 + 子会社粗利益 - 子会社営業経費 一般貸倒引当金純繰入額 - 内部取引 (Number of consolidated companies) ( 連結対象会社数 ) Number of consolidated subsidiaries 連 結 子 会 社 数 9-9 Number of affiliated companies applicable 持 to the equity method 分 法 適 用 会 社 数 5 1 * 4 Note 1: T&I Innovation Center, Co. Ltd. 8

32 2. Net Business Income <Non-consolidated> (1) Net business income (before transfer to general allowance for loan losses) 業務純益 ( 一般貸引繰入前 ) FY 2016 Ended FY 2015 Ended 60,952 (6,983) 67,935 Per head (in thousands of yen) 職員一人当たり ( 千円 ) 14,606 (1,862) 16,469 (2) Net business income 業務純益 60,952 (6,983) 67,935 Per head (in thousands of yen) 職員一人当たり ( 千円 ) 14,606 (1,862) 16,469 Note: The average number of full-time employees (excluding transferred employees, temporary staff, and one-year contract employees) is used in the above calculation. 注. 職員数は 実働人員 ( 出向人員 臨時雇員および嘱託を除く ) の平均人員を使用しております 3. Interest Rate Spread (Domestic Business) <Non-consolidated> FY 2016 Ended FY 2015 Ended (1) Average yield on interest earning assets (A) 資金運用利回 1.00% (0.06%) 1.06% (i) Average yield on loans and bills discounted (B) 貸出金利回 1.16% (0.10%) 1.26% (ii)average yield on securities 有価証券利回 0.95% (0.09%) 1.04% (2) Average yield on interest bearing liabilities (C) 資金調達原価 0.69% (0.03%) 0.72% (i) Average yield on deposits and negotiable certificates of deposit (D) 預金等利回 0.01% (0.02%) 0.03% (ii)expense ratio 経費率 0.72% (0.01%) 0.73% (3) Average interest rate spread (A) - (C) 総資金利鞘 0.31% (0.03%) 0.34% Difference between average yield on loans and deposits (B) - (D) 預貸金利差 1.15% (0.08%) 1.23% 4. Gains and Losses on Securities <Non-consolidated> FY 2016 Ended FY 2015 Ended Gains (losses) related to bonds (Government bonds, etc.) 国債等債券損益 (1,180) (3,411) 2,231 Gains on sales 売 却 益 3, ,941 Gains on redemptions 償 還 益 18 (11) 29 Losses on sales (-) 売 却 損 ( ) 4,219 3, Losses on redemptions (-) 償 還 損 ( ) Write-offs (-) 償 却 ( ) 17 (19) 37 Gains (losses) related to stocks, etc. 株式等関係損益 1,564 (1,209) 2,773 Gains on sales 売却益 1,576 (1,783) 3,360 Losses on sales (-) 売却損 ( ) 3 (559) 562 Write-offs (-) 償却 ( ) 8 (15) 24 9

33 5. Capital Ratio (BIS Guidelines) The Capital ratio has been calculated based on the BIS Guidelines. The composition of capital disclosure is on our website ( <Consolidated> Mar. 31, 2017 [Preliminary figures] (a-c) Sep. 30, 2016 Mar. 31, 2016 (c) (1) Total capital ratio (4)/(7) 総自己資本比率 13.59% (0.13%) (0.19%) 13.72% 13.79% (2) Tier 1 capital ratio (5)/(7) T i e r 1 比率 12.65% 0.07% (0.08%) 12.58% 12.74% (3) Common equity Tier1 capital ratio (6)/(7) 普通株式等 Tier1 比率 12.65% 0.07% (0.08%) 12.58% 12.74% (4) Total capital 総自己資本の額 (5) Tier 1 capital T i e r 1 資本の額 (6) Common equity Tier1 capital 普通株式等 Tier1 資本の額 (7) Total risk-weighted assets リスクアセットの額 6, , ,181.8 (8) Total required capital 総所要自己資本額 <Non-consolidated> Mar. 31, 2017 [Preliminary figures] Sep. 30, 2016 Mar. 31, 2016 (c) (1) Total capital ratio (4)/(7) 総自己資本比率 13.03% (0.16%) (0.22%) 13.20% 13.26% (2) Tier 1 capital ratio (5)/(7) T i e r 1 比率 12.09% 0.00% (0.15%) 12.09% 12.25% (3) Common equity Tier1 capital ratio (6)/(7) (a-c) 普通株式等 Tier1 比率 12.09% 0.00% (0.15%) 12.09% 12.25% (4) Total capital 総自己資本の額 (5) Tier 1 capital T i e r 1 資本の額 (6) Common equity Tier1 capital 普通株式等 Tier1 資本の額 (7) Total risk-weighted assets リスクアセットの額 6, , ,927.8 (8) Total required capital 総所要自己資本額 Note: The following approaches are adopted to calculate the capital ratio. Credit risk: Foundation internal ratings-based approach (using internal ratings for risk measurement) Operational risk:standardized approach (Gross profits of every business line mulitiplied by the predetermined rate) 注. 自己資本比率の算出にあたっては 以下の手法を採用しております 信用リスクに関する手法 : 基礎的内部格付手法 ( 行内格付を利用してリスクを計測する手法 ) オペレーショナル リスクに関する手法 : 粗利益配分手法 ( 業務区分毎の粗利益に一定割合を乗じる手法 ) 6. Return on Equity <Non-consolidated> Net business income basis (Annual) FY 2016 Ended Mar. 31, 2017 (a-c) For the six months Ended Sep. 30, 2016 FY 2015 Ended Mar. 31, 2016 (c) 業務純益ベース ( 年率 ) 7.34% (0.98%) (1.05%) 8.33% 8.40% Profit basis (Annual) 当期純利益ベース ( 年率 ) 5.85% (1.34%) (0.63%) 7.20% 6.49% <Consolidated> Profit attributable to owners of parent basis (Annual) 親会社株主に帰属する当期純利益ベース ( 年率 ) Note: ROE is a ratio indicating the profitability of stockholders equity. 注.ROE とは 株主資本の収益性を示す指標 FY 2016 Ended Mar. 31, 2017 (a-c) For the six months Ended Sep. 30, 2016 FY 2015 Ended Mar. 31, 2016 (c) 5.97% (0.93%) (0.45%) 6..90% 6.43% 10

34 7. Outstanding Balance of Deposits and Loans (1) Outstanding balance <Non-consolidated> FY 2016 Ended (a-c) For the six months Ended Sep. 30, 2016 FY 2015 Ended Mar. 31, 2016 (c) Deposits (Term-end balance) 預金 ( 末残 ) 11, , ,140.2 Domestic うち国内 11, , ,689.0 In Chiba Prefecture うち県内 10, , ,301.1 Personal deposits うち個人 8, , ,071.9 Corporate deposits うち法人 2, , ,972.8 Public sectors うち公共 Deposits (Average balance) 預金 ( 平残 ) 11, , ,741.0 Domestic うち国内 10, , ,338.4 In Chiba Prefecture うち県内 10, , ,977.6 Loans and bills discounted (Term-end balance) 貸出金 ( 末残 ) 9, , ,797.4 Domestic うち国内 9, , ,628.8 In Chiba Prefecture うち県内 6, , ,280.8 Loans and bills discounted (average balance) 貸出金 ( 平残 ) 9, , ,646.0 Domestic うち国内 8, , ,480.4 In Chiba Prefecture うち県内 6, , ,164.4 (2) Breakdown of domestic loans and bills discounted (Term-end balance) and ratio of loans to small and medium-sized enterprises <Non-consolidated> (a-c) Sep. 30, 2016 (c) Domestic loans and bills discounted(a) 国内貸出金 9, , ,628.8 [Excluding loans to public sectors] ( 除公共向け貸出 ) [8,912.2] [323.7] [512.9] [8,588.4] [8,399.2] Large enterprises 大企業 1, (4.1) 1, ,188.1 Mid-sized enterprises 中堅企業 Small and medium-sized enterprises, etc.(b) 中小企業等 7, , ,050.0 Small and medium-sized enterprises うち中小企業 4, , ,786.6 Consumer loans うち消費者ローン 3, , ,263.4 Public sectors 公共 (37.6) (25.8) Small and medium-sized enterprises 中小企業等貸出比率 82.96% 0.56% 1.25% 82.39% 81.70% loans ratio (B/A) Note: In Small and medium-sized enterprises, loans to individual business owners are included. 注. 中小企業には個人事業主を含んでおります (3) Consumer loans <Non-consolidated> Sep. 30, 2016 (c) Outstanding balance of consumer loans 消費者ローン残高 3, , ,263.4 Housing loans 住宅ローン残高 3, , ,140.5 Other consumer loans その他のローン残高 (a-c) 11

35 8. Risk-Monitored Loans - Self-Assessment Basis (After partial direct write-offs) <Non-consolidated> (a-c) Sep. 30, 2016 (c) Loans to Bankrupt Borrowers 破 綻 先 債 権 額 2,252 (576) (921) 2,829 3,173 Delinquent Loans 延 滞 債 権 額 83,852 (8,334) (17,768) 92, ,621 Loans past due 3 months or more 3ヵ月以上延滞債権額 1,362 (145) (427) 1,507 1,790 Restructured Loans 貸出条件緩和債権額 51,460 4,202 6,742 47,258 44,718 Total Risk-Monitored Loans リスク管理債権合計 138,928 (4,854) (12,375) 143, ,303 Total loan balance (Term-end balance) 貸出金残高 ( 末残 ) 9,305, , ,909 8,994,365 8,797,479 Loans to Bankrupt Borrowers 破 綻 先 債 権 額 0.02% (0.00%) (0.01%) 0.03% 0.03% Delinquent Loans 延 滞 債 権 額 0.90% (0.12%) (0.25%) 1.02% 1.15% Loans past due 3 months or more 3ヵ月以上延滞債権額 0.01% (0.00%) (0.00%) 0.01% 0.02% Restructured Loans 貸出条件緩和債権額 0.55% 0.02% 0.04% 0.52% 0.50% As a percentage of total loans 貸出金残高比 1.49% (0.10%) (0.22%) 1.59% 1.71% <Consolidated> (a-c) Sep. 30, 2016 (c) Loans to Bankrupt Borrowers 破 綻 先 債 権 額 1,881 (539) (903) 2,421 2,784 Delinquent Loans 延 滞 債 権 額 81,499 (8,007) (17,379) 89,507 98,878 Loans past due 3 months or more 3ヵ月以上延滞債権額 1,362 (145) (427) 1,507 1,790 Restructured Loans 貸出条件緩和債権額 51,468 4,199 6,740 47,268 44,728 Total Risk-Monitored Loans リスク管理債権合計 136,211 (4,493) (11,970) 140, ,182 Total loan balance (Term-end balance) 貸出金残高 ( 末残 ) 9,268, , ,740 8,960,192 8,769,113 Loans to Bankrupt Borrowers 破 綻 先 債 権 額 0.02% (0.00%) (0.01%) 0.02% 0.03% Delinquent Loans 延 滞 債 権 額 0.87% (0.11%) (0.24%) 0.99% 1.12% Loans past due 3 months or more 3ヵ月以上延滞債権額 0.01% (0.00%) (0.00%) 0.01% 0.02% Restructured Loans 貸出条件緩和債権額 0.55% 0.02% 0.04% 0.52% 0.51% As a percentage of total loans 貸出金残高比 1.46% (0.10%) (0.22%) 1.57% 1.68% 12

36 9. Allowance and Coverage Ratio against Risk-monitored Loans <Non-consolidated> (a-c) Sep. 30, 2016 (c) Risk-Monitored Loans (A) リスク管理債権額 138,928 (4,854) (12,375) 143, ,303 Collateral/guarantees (B) 担 保 保 証 等 84,040 (4,334) (4,848) 88,374 88,888 Allowance for loan losses (C) 貸 倒 引 当 金 14,887 (1,323) (7,576) 16,210 22,463 Allowance ratio (C)/(A) 引 当 率 10.7% (0.5%) (4.1%) 11.2% 14.8% Coverage ratio (B+C)/(A) 保 全 率 71.2% (1.5%) (2.3%) 72.7% 73.5% As a percentage of total loans 貸 出 金 残 高 比 1.49% (0.10%) (0.22%) 1.59% 1.71% <Consolidated> (a-c) Sep. 30, 2016 (c) Risk-Monitored Loans (A) リスク管理債権額 136,211 (4,493) (11,970) 140, ,182 Collateral/guarantees (B) 担 保 保 証 等 80,983 (4,028) (4,493) 85,011 85,477 Allowance for loan losses (C) 貸 倒 引 当 金 15,109 (1,264) (7,513) 16,374 22,623 Allowance ratio (C)/(A) 引 当 率 11.0% (0.5%) (4.1%) 11.6% 15.2% Coverage ratio (B+C)/(A) 保 全 率 70.5% (1.5%) (2.4%) 72.0% 72.9% As a percentage of total loans 貸 出 金 残 高 比 1.46% (0.10%) (0.22%) 1.57% 1.68% 13

37 10. Disclosed Claims under the Financial Reconstruction Law <Non-consolidated> Bankrupt and Substantially Bankrupt Claims 破産更生債権及びこれらに準ずる債権 (a-c) Sep. 30, 2016 (c) 17,810 (419) (1,864) 18,230 19,675 Doubtful Claims 危険債権 68,421 (8,635) (17,154) 77,057 85,576 Substandard Claims 要管理債権 52,823 4,056 6,314 48,766 46,508 Total 合計 139,056 (4,997) (12,704) 144, ,761 Normal Claims 正常債権 9,275, , ,314 8,953,158 8,748,971 Total Claims* 総与信残高 9,414, , ,609 9,097,212 8,900,733 Non-performing loan ratio 不良債権比率 1.47% (0.10%) (0.22%) 1.58% 1.70% Note: Total Claims include loans, foreign exchange, accrued interest and suspense payments, customers liabilities for acceptances, guarantees and private offerings of bonds with Chiba Bank s guarantee in Securities. Private offerings of bonds with Chiba Bank s guarantee are recorded at market value. 注. 総与信残高 : 貸出金 外国為替 その他資産中の未収利息及び仮払金 支払承諾 有価証券中の当行保証付私募社債 なお 当行保証付私募社債については時価で計上しております 11. Status of Coverage on Disclosed Claims under the Financial Reconstruction Law <Non-consolidated> (a-c) Sep. 30, 2016 (c) Total coverage (A) 保全額 98,997 (5,783) (12,735) 104, ,732 Allowance for loan losses 貸倒引当金 14,907 (1,380) (7,761) 16,288 22,669 Value covered by collateral and guarantees 担保 保証等 84,089 (4,402) (4,973) 88,492 89,063 Total disclosed claims under the Financial Reconstruction Law (B) 金融再生法開示債権合計 139,056 (4,997) (12,704) 144, ,761 Coverage ratio (A)/(B) 保全率 71.1% (1.5%) (2.4%) 72.7% 73.6% (Reference) Self-Assessment results by borrower classification ( 参考 ) 自己査定結果 ( 債務者区分別 ) <Non-consolidated> (a-c) Sep. 30, 2016 (c) Bankrupt Assets (A) 破綻先債権 2,258 (613) (923) 2,872 3,182 Effectively Bankrupt Assets (B) 実質破綻先債権 15, (941) 15,358 16,493 Potentially Bankrupt Assets (C) 破綻懸念先債権 68,421 (8,635) (17,154) 77,057 85,576 Assets Requiring Caution (D) 要注意先債権 956,416 (29,382) (101,456) 985,799 1,057,873 Substandard Assets 要管理先債権 60,585 4,400 6,632 56,184 53,952 Substandard Claims (Loans only) うち要管理債権 ( 貸出金のみ ) 52,823 4,056 6,314 48,766 46,508 Other Assets Requiring Caution その他要注意先債権 895,831 (33,783) (108,089) 929,615 1,003,920 Normal Assets (E) 正常先債権 8,371, , ,085 8,016,126 7,737,607 Total Assets (A)+(B)+(C)+(D)+(E) 総与信残高 9,414, , ,609 9,097,212 8,900,733 Note: Total Claims include loans, foreign exchange, accrued interest and suspense payments, customers liabilities for acceptances, guarantees and private offerings of bonds with Chiba Bank s guarantee in Securities. Private offerings of bonds with Chiba Bank s guarantee are recorded at market value. 注. 総与信残高 : 貸出金 外国為替 その他資産中の未収利息及び仮払金 支払承諾 有価証券中の当行保証付私募社債 なお 当行保証付私募社債については時価で計上しております 14

38 12. Allowance for Loan Losses (1) Charge-off/Allowance criteria General Allowance 一般貸倒引当金計上基準 Classification under Self-Assessment 自己査定における区分 Normal Assets 正常先債権 Assets Requiring Caution 要注意先債権 Substandard Assets 要管理先債権 Specific Allowance 個別貸倒引当金計上基準 Classification under Self-Assessment 自己査定における区分 Potentially Bankrupt Assets 破綻懸念先債権 Allowance criteria 引当基準 The estimated loss amount for the next year calculated using the historical loan-loss result ratios sustained over a specific period is reserved. 過去の貸倒実績率に基づき今後 1 年間の予想損失額を算出し 引当金を計上 In principle, the estimated loss amount for the next year calculated using the historical loan-loss result ratio sustained over a specific period is reserved. 原則として 過去の貸倒実績率に基づき今後 1 年間の予想損失額を算出し 引当金を計上 The estimated loss amount for the next three years calculated using the historical loan-loss result ratio sustained over a specific period is reserved. For debtors of 0.5 billion and over, the Discounted Cash Flow method is applied. 過去の貸倒実績率に基づき今後 3 年間の予想損失額を算出し 引当金を計上与信額 5 億円以上の先について キャッシュ フロー見積法 (DCF 法 ) により 引当金を計上 Allowance criteria 引当基準 In principle, the estimated loss amount for the next three years calculated using the historical loan-loss result ratio sustained over a specific period is reserved. For debtors of 0.5 billion and over, the Discounted Cash Flow method is applied. 原則として 過去の貸倒実績率に基づき今後 3 年間の予想損失額を算出し 引当金を計上与信額 5 億円以上の先について キャッシュ フロー見積法 (DCF 法 ) により 引当金を計上 Bankrupt Assets and Effectively Bankrupt Assets 100% of loans outstanding after deduction of the amount secured by collateral and guarantees. 破綻先 実質破綻先債権担保等で保全されていない債権額の 100% Allowance for the future costs pertaining to Bankrupt Assets, Effectively Bankrupt Assets and Potentially Bankrupt Assets under the joint responsibility system of loans with the guarantee of credit guarantee corporations fell into Specific allowance. なお 破綻先 実質破綻先債権及び破綻懸念先債権に係る信用保証協会保証付融資の責任共有制度に伴う将来の負担金に対する引当は 個別貸倒引当金として計上しております (2) Breakdown of allowance for loan losses <Non-consolidated> (a-c) Sep. 30, 2016 (c) Allowance for loan losses 貸倒引当金 23.1 (0.6) (7.3) General allowance 一般貸倒引当金 (0.0) Specific allowance 個別貸倒引当金 8.3 (2.4) (7.3) Allowance for specific foreign borrowers/countries 特定海外債権引当勘定 (Reference) Loan category to general allowance ( 参考 ) 一般貸倒引当金対象債権 (a-c) Sep. 30, 2016 (c) Normal Assets 正常先債権 8, , ,494.3 Assets Requiring Caution 要注意先債権 (29.5) (101.1) ,056.8 Substandard Assets 要管理先債権 Other Assets Requiring Caution <Consolidated> その他要注意先債権 (33.9) (107.8) ,002.9 Sep. 30, 2016 (c) Allowance for loan losses 貸倒引当金 32.5 (1.1) (8.2) General allowance 一般貸倒引当金 (0.4) Specific allowance 個別貸倒引当金 13.0 (2.8) (7.8) Allowance for specific foreign borrowers/countries 特定海外債権引当勘定 (a-c) 15

39 13. Loan Breakdown by Industry <Non-consolidated> (After partial direct write-offs) (1) Loan breakdown by industry Domestic (excluding JOM account) 国内店分 ( 除く特別国際金融取引勘定 ) Sep. 30, 2016 Balance Component Balance Component Balance Component 9, % 8, % 8, % Manufacturing 製造業 % % % Agriculture and forestry 農業, 林業 % % % Fishery 漁業 % % % Mining, quarrying and gravel 鉱業, 採石業, 砂利採取業 % % % Construction 建設業 % % % Electricity, gas, heat supply and water 電気 ガス 熱供給 水道業 % % % Information and communications 情報通信業 % % % Transport and postal service 運輸業, 郵便業 % % % Wholesale and retail trade 卸売業, 小売業 % % % Finance and insurance 金融業, 保険業 % % % Real estate and leasing 不動産業, 物品賃貸業 2, % 2, % 2, % Real estate 不動産業 2, % 2, % 2, % Real estate rental and management 不動産賃貸業 管理業 2, % 1, % 1, % Real estate trading, etc. 不動産取引業等 % % % Leasing 物品賃貸業 % % % Medical, welfare and other services 医療, 福祉その他サービス業 % % % Government, local public sector 国 地方公共団体 % % % Others (mainly consumer loans) その他 ( 個人 ) 3, % 3, % 3, % (2) Breakdown of Risk-Monitored Loans by industry Domestic (excluding JOM account) 国内店分 ( 除く特別国際金融取引勘定 ) Sep. 30, 2016 Balance Component Balance Component Balance Component % % % Manufacturing 製造業 % % % Agriculture and forestry 農業, 林業 % % % Fishery 漁業 % % % Mining, quarrying and gravel 鉱業, 採石業, 砂利採取業 % % % Construction 建設業 % % % Electricity, gas, heat supply and water 電気 ガス 熱供給 水道業 Information and communications 情報通信業 % % % Transport and postal service 運輸業, 郵便業 % % % Wholesale and retail trade 卸売業, 小売業 % % % Finance and insurance 金融業, 保険業 % % % Real estate and leasing 不動産業, 物品賃貸業 % % % Real estate 不動産業 % % % Real estate rental and management 不動産賃貸業 管理業 % % % Real estate trading, etc. 不動産取引業等 % % % Leasing 物品賃貸業 % % % Medical, welfare and other services 医療, 福祉その他サービス業 % % % Government, local public sector 国 地方公共団体 Others (mainly consumer loans) その他 ( 個人 ) % % % 16

40 14. Loan Breakdown by Domicile of Borrower (1) Balance of loans to specific foreign countries <Non-consolidated> Not applicable (2) Balance of loans to Asian countries <Non-consolidated> (a-c) Sep. 30, 2016 (c) China 中国 6.1 (0.0) (3.3) Risk-monitored loans うちリスク管理債権 Taiwan 台湾 (0.0) Risk-monitored loans うちリスク管理債権 India インド Risk-monitored loans うちリスク管理債権 UAE アラブ首長国連邦 (0.0) Risk-monitored loans うちリスク管理債権 Korea 韓国 (0.0) Risk-monitored loans うちリスク管理債権 Malaysia マレーシア Risk-monitored loans うちリスク管理債権 Thailand タイ (0.0) Risk-monitored loans うちリスク管理債権 Philippines フィリピン 1.7 (0.2) (0.8) Risk-monitored loans うちリスク管理債権 Vietnam ベトナム Risk-monitored loans うちリスク管理債権 Indonesia インドネシア 0.5 (0.0) Risk-monitored loans うちリスク管理債権 Total 合計 (1.3) Risk-monitored loans うちリスク管理債権 (3) Balance of loans to Latin American countries <Non-consolidated> (a-c) Sep. 30, 2016 (c) Panama パナマ (0.0) Risk-monitored loans うちリスク管理債権 Chili チリ Risk-monitored loans うちリスク管理債権 Total 合計 Risk-monitored loans うちリスク管理債権 (4)Balance of loans to Russia <Non-consolidated> Not applicable 17

41 15. Gains and Losses on Valuation of Securities (1) Basis of securities valuation Securities for trading 売買目的有価証券 Market value method (valuation differences are recorded as profits or losses) 時価法 ( 評価差額を損益処理 ) Held-to-Maturity Bonds 満期保有目的有価証券 Amortized cost method 償却原価法 Stocks of subsidiaries and affiliates Other securities 子会社株式及び関連会社株式 Cost method 原価法 その他有価証券 Market value method (valuation differences are included in net assets, net of income taxes) 時価法 ( 評価差額を全部純資産直入 ) (Reference) Securities in Money Held in Trust ( 参考 ) 金銭の信託中の有価証券 Money held in trust for investment 運用目的の金銭の信託 Market value method (valuation differences are recorded as profits or losses) 時価法 ( 評価差額を損益処理 ) Other money held in trust その他の金銭の信託 Market value method (valuation differences are included in net assets, net of income taxes) 時価法 ( 評価差額を全部純資産直入 ) (2) Gains and losses on valuation <Non-consolidated> Held-to-maturity bonds Sep. 30, 2016 (c) Gains (losses) on valuation Gains (losses) on valuation Gains (losses) on valuation (a-c) Gains Losses Gains Losses Gains Losses 満期保有目的 0.1 (0.3) (0.0) Other securities その他有価証券 Stocks 株式 Bonds 債券 12.8 (8.6) (8.0) Others その他 10.3 (3.2) (6.5) Foreign bonds うち外国債券 (2.3) (6.2) (4.8) Total 合計 Note 1: There are no stocks of subsidiaries and affiliates with market values. Note 2: Beneficiary claims on loans in Monetary claims bought are included in addition to Securities. Note 3: Other securities are valued at market price. Consequently, figures in the above table show the differences between the acquisition cost and the balance sheet amount. <Consolidated> Held-to-maturity bonds Sep. 30, 2016 (c) Gains (losses) on valuation Gains (losses) on valuation Gains (losses) on valuation (a-c) Gains Losses Gains Losses Gains Losses 満期保有目的 0.1 (0.3) (0.0) Other securities その他有価証券 Stocks 株式 Bonds 債券 12.8 (8.6) (8.0) Others その他 10.3 (3.2) (6.5) Foreign bonds うち外国債券 (2.3) (6.2) (4.8) Total 合計 Note 1: Beneficiary claims on loans in Monetary claims bought are included in addition to Securities. Note 2: Other securities are valued at market price. Consequently, figures in the above table show the differences between the acquisition cost and the balance sheet amount. Gains (losses) on valuation on foreign bonds and derivative transactions 外国債券とデリバティブ取引の評価損益合計 (a-c) Sep. 30, 2016 (c) 0.9 (5.0) (4.2) Foreign bonds 外国債券 (2.3) (6.2) (4.8) Deferred hedges on derivative transactions デリバティブ取引 ( 繰延ヘッジ )

42 16. Others (1) Retirement benefit (i)retirement benefit obligation, etc. <Non-consolidated> Retirement benefit obligation [Discount rate] (A) 退職給付債務 ( 割引率 ) 81,282 [0.2%] 81,681 [0.2%] Plan assets at fair value (B) 年金資産 (59,147) (57,868) Unrecognized actuarial gain or loss [Amortization period] (C) 未認識数理計算上の差異 ( 償却年数 ) (3,712) [10 years] (5,563) [10 years] Net amount on balance sheet (C)=(A)+(B) 貸借対照表上額純額 18,421 18,249 Prepaid pension cost 前払年金費用 718 1,070 Provision for retirement benefits 退職給付引当金 19,140 19,320 <Consolidated> Projected benefit obligation (A) 退 職 給 付 債 務 81,986 82,351 Plan assets at fair value (B) 年 金 資 産 (59,147) (57,868) Net amount on balance sheet (C)=(A)+(B) 貸借対照表上額純額 22,838 24,483 Net defined benefit asset 退職給付に係る資産 - - Net defined benefit liability 退職給付に係る負債 22,838 24,483 (ii)retirement benefit cost <Non-consolidated> Retirement benefit cost (A)+(B)+(C)+(D) 退職給付費用 2, Service cost (A) 勤務費用 2,756 2,394 Interest cost (B) 利息費用 Expected return on plan assets (C) 期待運用収益 (1,736) (1,826) Amortization of actuarial gain or loss (D) 数理計算上の差異の費用処理額 1,193 (520) Other (E) その他 60 - <Consolidated> Retirement benefit cost 退職給付費用 2,

43 (2) Tax effect Breakdown of sources for deferred tax assets and liabilities <Non-consolidated> Sep. 30, 2016 Allowance for loan losses 貸倒引当金 9,926 10,415 12,922 Provision for retirement benefits 退職給付引当金 5,840 5,814 5,897 Write-offs of securities 有価証券償却 Others その他 5,558 5,074 5,738 Subtotal of deferred tax assets (A) 繰延税金資産小計 22,320 22,283 25,544 Valuation allowance (B) 評価性引当額 (1,351) (1,217) (1,225) Total of deferred tax assets (A)+(B)(C) 繰延税金資産合計 20,968 21,065 24,319 Valuation difference on availablefor-sale securities その他有価証券評価差額金 44,581 39,306 42,465 Prepaid pension cost 前払年金費用 Other その他 Total deferred tax liabilities (D) 繰延税金負債合計 45,546 39,600 42,913 Net deferred tax assets (C)-(D) [(-):Net deferred tax liabilities] 繰延税金資産の純額 ( は繰延税金負債の純額 ) (24,577) (18,534) (18,594) <Consolidated> Net deferred tax assets [(-):Net deferred tax liabilities] 繰延税金資産の純額 ( は繰延税金負債の純額 ) Sep. 30, 2016 (20,438) (13,435) (13,421) 20

44 17. Earnings Projections <Non-consolidated> For the six months Ending Sep. 30, 2017 FY 2017 Ending Mar. 31, 2018 Gross business profits 業務粗利益 Net interest income 資金利益 Net fees and commissions income 役務取引等利益 Trading income 特定取引利益 Profit from other business transactions その他業務利益 Expenses (-) 経費 ( ) Core net business income コア業務純益 Net business income (before transfer to general allowance for loan losses) 業務純益 ( 一般貸引繰入前 ) Ordinary profit 経常利益 Profit 当期 ( 中間 ) 純利益 Net credit costs (-) 与信関係費用 ( ) (2.7) (1.0) <Consolidated> For the six months Ending Sep. 30, 2017 FY 2017 Ending Mar. 31, 2018 Ordinary profit 経常利益 Profit attributable to owners of parent 親会社株主に帰属する当期 ( 中間 ) 純利益 Cash dividends per share 1 株当たり配当金 Dividend payout ratio 配当性向 ( 連結ベース ) 19.6% 22.5% This material 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 be different from the views presented here owing to changes in the operating environment and other factors. Also, please note that this material is an English translation of the Japanese original. Please be advised that 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. 21

45 不良債権の英語表記対照表 Problem Loan Matrix 自己査定上の債務者区分 自己査定上の債権区分 金融再生法開示債権 リスク管理債権 Borrower Classification under Self- Assets Classification under Self- Disclosed Claims under the Risk-monitored Loans Assessment Assessment Financial Reconstruction Law 破綻先 破綻先債権 破産更生債権 破綻先債権 Bankrupt Debtors Bankrupt Assets Bankrupt and Substantially Loans to Bankrupt Bankrupt Claims Borrowers 実質破綻先 実質破綻先債権 延滞債権 Effectively Bankrupt Debtors Effectively Bankrupt Assets Delinquent Loans 破綻懸念先 破綻懸念先債権 危険債権 Potentially Bankrupt Debtors Potentially Bankrupt Assets Doubtful Claims 要注意先 Debtors Requiring Caution 要管理先 Substandard Debtors 要注意先債権 Assets Requiring Caution 要管理先債権 Substandard Assets 要管理債権 * Substandard Claims 3ヶ月以上延滞債権 Loans past due 3 months or more 貸出条件緩和債権 Restructured Loans その他要注意先 その他要注意先債 正常債権 Other Debtors 権 Normal Claims Requiring Caution Other Assets Requiring Caution 正常先 正常先債権 Normal Debtors Normal Assets 総与信 総与信 リスク管理債権 Total Assets under Self-Assessment Total Claims under the Total Risk-Monitored Financial Reconstruction Loans Law * 要管理債権 : 要管理先に対するローンのうち 3 ヶ月以上延滞 貸出条件緩和債権 Substandard Claims: Loans past due 3 months or more and Restructured Loans to Substandard Debtors