History of the Chiba Bank Group
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Summary History of the Chiba Bank Group Since its establishment in 1943, we have continued to grow in step with the region by actively March 2019 responding to financial needs generated by the development of Chiba Prefecture. Capital stock: ¥145 billion 6.26 Number of employees: 4,224 million people Number of branches: 185 Deposits: ¥12,333.4 billion Former Head Office Current Head Office Loans and Bills Discounted: 2014.3 (millions of people) (¥ trillion) Balance of loans ¥10,136.8 billion Total deposits 7 12 Balance of deposits reached ¥10 trillion Population of Chiba Prefecture 6 10 March 1943 (at the time of establishment) 5 Capital stock: ¥10 million 1988.9 Number of employees: 725 Total deposits 8 Number of branches: 70 reached Deposits: 4 ¥247.02 million ¥5 trillion Loans and Bills Discounted: 1.62 ¥51.59 million 6 million people 3 1983.3 Total deposits reached ¥3 trillion 4 2 1975.9 Total deposits reached ¥1 trillion 2 1 1963.9 Total deposits reached ¥100 billion 0 0 1943.3 1953.3 1963.3 1973.3 1983.3 1993.3 2003.3 2013.3 2019.3 Our Transition 1943.3 1960- 1970.10 Founded as a result of the merger of Chiba Deposits and loans grew in Listed on the 2nd section of the Tokyo Stock Godo Bank, Omigawa Agricultural and response to high economic growth Exchange (changed to 1st section in August 1971) Commercial Bank, and the Kujuhachi Bank 1964.2 1971.10 Started the first online system Set a sunflower as the bank flower 1973.3 Built the new Head Office building and relocated the Head Office from Chuo to Chiba-minato Flow of Society 1941-1945 1950-1953 1960.12 1973.10 Asia-Pacific War Korean War Formulation of a construction plan First oil crisis for the Keiyo Coastal Industrial Zone 1978.5 Open of New Tokyo International 1964.10 Airport (Narita Airport) Tokyo Olympics 7 The Chiba Bank Integrated Report 2019 010_9326487911909.indd 7 2019/09/25 11:04:03 New Head Office (planned Summary History of the Chiba Bank Group completion in September 2020) March 2019 Capital stock: ¥145 billion 6.26 Introduction Number of employees: 4,224 million people Number of branches: 185 Deposits: ¥12,333.4 billion Loans and Bills Discounted: 2014.3 (millions of people) (¥ trillion) Balance of loans ¥10,136.8 billion Total deposits 7 12 Balance of deposits reached ¥10 trillion Population of Chiba Prefecture 6 10 Summary March 1943 (at the time of establishment) 5 Capital stock: ¥10 million 1988.9 Number of employees: 725 Total deposits 8 Number of branches: 70 reached Deposits: 4 ¥247.02 million ¥5 trillion “Sustainable Management” Loans and Bills Discounted: Growth Strategy for 1.62 ¥51.59 million 6 million people 3 1983.3 Total deposits reached ¥3 trillion 4 2 1975.9 Total deposits reached Addressing Social Issues to Achieve 2 ¥1 trillion “Sustainable Management” 1 1963.9 Total deposits reached ¥100 billion 0 0 1943.3 1953.3 1963.3 1973.3 1983.3 1993.3 2003.3 2013.3 2019.3 Our Transition Management Base to Support 1986.10 1989.4 1995.11 2006.12 2014.9 “Sustainable Management” Appointed the first Opened Hong Kong Opened Shanghai Established Chibagin Heartful as a Opened Bangkok female Branch Branch Representative Office special subsidiary for the employment Representative Office General Manager of people with disabilities in Japan 1991.2 1998.3 2015.10 Launched the Opened London Acquired Chuo Securities 2008.3 TSUBASA Alliance 1987.4 Branch (currently Chibagin Launched the TSUBASA project Opened New Securities) as a Group 2016.3 York Branch company 2011.3 Opened Representative Office Launched the Chiba- Registered in Singapore Musashino Alliance Flow of Society Financial and Corporate Data 1983.4 1989.4 1995.1 2005.4 2011.3 Open of Tokyo Introduction of Great Hanshin-Awaji Earthquake Full implementation of the Great East Japan Earthquake Disneyland consumption tax deposit payoff system 1997.12 2013.4 2008.9 The Bank of Japan decided 1985.6 1989.12 Tokyo Bay Aqua-Line opened Bankruptcy of Lehman Brothers Full-scale start Nikkei Stock Average to introduce “Quantitative and of financial recorded highest price 2002.9 2009.3 Qualitative Finance Easing Policy” liberalization ¥38,915.87 Population in Chiba Nikkei Stock Average reached ¥7,054.98, lowest prefecture exceeded 6 price after the collapse of bubble economy 2016.1 The Bank of Japan decided 1985.9 1991.3 million people Plaza Accord Collapse of bubble 2009.12 to introduce “Negative economy Enforcement of the SME Finance Facilitation Act Interest Rate Policy” The Chiba Bank Integrated Report 2019 8 010_9326487911909.indd 8 2019/09/25 11:04:04 Summary Main Data of the Chiba Bank Group Fiscal Year Ended March 31, 2019 Market Share of Loans in Chiba Prefecture Total Assets (Consolidated) billion Second-tier Shinkin banks : ¥14,964.1 regional 7.4% banks Credit cooperatives, labour banks, Loans and Bills Discounted 18.3% agricultural cooperatives : ¥10,136.8 billion 7.7% (Non-Consolidated) Chiba Bank 40.4% Deposits (Non-Consolidated) : ¥12,333.4 billion March 31, 2018 Profit Attributable to Owners of ¥16.8 trillion Parent (Consolidated) : ¥50.4 billion ROE (Consolidated, Based on : % Shareholders’ Equity) 6.15 Regional banks City banks (other than the Chiba Bank) 12.0% Total Capital Ratio 14.2% (Consolidated) : 12.63% Source: The Financial Journal Common Equity Tier 1 Capital Ratio (Consolidated) : 11.97% Market Share of Deposits and Savings in Chiba Prefecture Non-Performing Loan Ratio (Non-Consolidated, Based on the : 1.19% Credit cooperatives, labour banks, Financial Reconstruction Law) agricultural cooperatives 8.5% JAPAN POST BANK OHR (Non-Consolidated) : 54.78% 18.4% Chiba Bank 26.0% Number of Employees : 4,224 March 31, 2018 Number of Domestic Branches : 182 ¥43.8 trillion Shinkin Number of Overseas Branches : 3 banks (New York, Hong Kong, London) City banks 6.0% 24.4% Number of Overseas Second-tier Regional banks : 3 regional banks (other than the Chiba Bank) Representative Offices (Shanghai, Singapore, Bangkok) 10.5% 6.2% Source: The Financial Journal Credit Ratings Long-Term Short-Term Moody’s A1 P-1 Standard & Poor’s A A-1 Rating and Investment Information AA- — 9 The Chiba Bank Integrated Report 2019 010_9326487911909.indd 9 2019/09/25 11:04:04 Summary Financial Highlights Profit (Consolidated/Non-Consolidated/¥ billion) Ordinary Profit (Consolidated/Non-Consolidated/¥ billion) Introduction Consolidated: Consolidated: ¥50.4 billion ¥72.4 billion Non-Consolidated: Non-Consolidated: ¥48.0 billion ¥67.0 billion 57.0 85.5 55.4 53.7 84.2 52.5 52.7 50.4 79.6 77.6 78.4 48.6 49.6 48.0 74.1 72.4 45.8 70.0 70.6 67.0 Summary 2015.3 2016.3 2017.3 2018.3 2019.3 2015.3 2016.3 2017.3 2018.3 2019.3 Profit Attributable to Owners of Parent (Consolidated) Profit (Non-Consolidated) Consolidated Non-Consolidated “Sustainable Management” Growth Strategy for Capital Ratio (Consolidated) ROE (Consolidated/Non-Consolidated) Total Capital Ratio: 12.63% Consolidated: 6.15% Common Equity Tier 1 Capital Ratio: Non-Consolidated: 11.97% 5.44% 7.51% 7.10% 14.66% 6.86% 6.76% Addressing Social Issues to Achieve 13.79% 13.59% 6.15% “Sustainable Management” 13.18% 12.63% 6.49% 13.17% 6.03% 12.74% 5.85% 5.76% 12.65% 12.48% 5.44% 11.97% 2015.3 2016.3 2017.3 2018.3 2019.3 2015.3 2016.3 2017.3 2018.3 2019.3 Total Capital Ratio Common Equity Tier 1 Capital Ratio Consolidated Non-Consolidated ROE Profit = (Non-Consolidated) (Total Net Assets at Beginning of Fiscal Year + Total Net Assets at End of Fiscal Year) / 2 ROE Profit Attributable to Owners of Parent = Management Base to Support (Consolidated) (Total Shareholders’ Equity at Beginning of Fiscal Year + Total Shareholders’ Equity at End of Fiscal Year) / 2 “Sustainable Management” ROA (Non-Consolidated) OHR (Non-Consolidated) Non-Consolidated: Non-Consolidated: 0.33% 54.78% 0.39% 57.59% 0.37% 0.35% 0.35% 0.33% Financial and Corporate Data 55.36% 55.26% 55.06% 54.78% 2015.3 2016.3 2017.3 2018.3 2019.3 2015.3 2016.3 2017.3 2018.3 2019.3 ROA Profit OHR Expenses = = (Non-Consolidated) Average Total Assets (Non-Consolidated) Net Business Income - Gains (Losses) Related to Bonds, etc. + Net Transfer to General Allowance for Loan Losses + Expenses The Chiba Bank Integrated Report 2019 10 010_9326487911909.indd 10 2019/09/25 11:04:05 Summary Financial Highlights Loans and Bills Discounted (Non-Consolidated/¥ billion) SME Loans/Housing Loans (Non-Consolidated/¥ billion) Non-Consolidated: SME Loans: ¥10,136.8 billion ¥4,586.0 billion Housing Loans: ¥3,548.6 billion 10,136.8 9,816.0 4,410.9 4,586.0 9,305.3 4,141.6 8,461.1 8,797.4 3,583.9 3,786.6 3,431.1 3,548.6 3,016.3 3,140.5 3,281.7 2015.3 2016.3 2017.3 2018.3 2019.3 2015.3 2016.3 2017.3 2018.3 2019.3 SME Loans Housing Loans Deposits (Non-Consolidated/¥ billion) Investment Trusts/Personal Annuities (Non-Consolidated/¥ billion) Non-Consolidated: Investment Trusts: ¥12,333.4 billion ¥275.8 billion Personal Annuities: ¥919.6 billion 12,333.4 948.3 947.4 946.5 11,565.7 12,017.0 904.4 919.6 10,733.3 11,140.2 379.4 360.7 312.5 281.0 275.8 2015.3 2016.3 2017.3 2018.3 2019.3 2015.3 2016.3 2017.3 2018.3 2019.3 Investment Trusts Personal Annuities Securities (Non-Consolidated/¥ billion) Disclosed Claims under the Financial Reconstruction Law (Non-Consolidated/¥ billion) Disclosed Claims under the Financial Non-Consolidated: Reconstruction Law: ¥2,082.7 billion ¥122.8 billion Non-Performing Loan Ratio (Based on the Financial Reconstruction Law): 1.19 % 2,447.8 2,355.7 2,373.6 160.0 151.7 2,156.7 2,082.7 139.0 127.0 1.86% 122.8 1.70% 1.47% 1.27% 1.19% 2015.3 2016.3 2017.3 2018.3 2019.3 2015.3 2016.3 2017.3 2018.3 2019.3 Disclosed Claims Non-Performing