The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 InterimInterim FinancialFinancial ResultsResults forfor FY2011FY2011

Frontier 70

NovemberNovember 25,25, 20112011 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Table of Contents

≫≫ Progress in Medium Term Management Plan ≫ Summary of Financial Results “Frontier 70”

Summary of Financial Results 3 Medium Term Management Plan 13 Net Interest Income 4 Development Projects and Strong Financial Needs 14 Loan Portfolio 5 Branch Network Strategy 15 Securities Portfolio 6 Business in Growing Sectors 16 Fees and Commissions Income 7 International Business 17 Expenses 8 Housing Loans 18 Net Credit Costs 9 Investment-type Financial Products 19 Capital Base 10 Chibagin Securities 20 Earnings Projections for FY 2011 11 Systems Investment 21 Capital Policy 22

1 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Summary of Financial Results

≫Summary of Financial Results

≫≫Progress in Medium Term Management Plan “Frontier 70"

2 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Summary of Financial Results

Interim Interim Net interest income ⇒(P4) ＜\Bil.＞ FY10 FY11 Change Interim Interim 1 Gross business profits 81.2 78.1 (3.0) ＜\Bil.＞ FY10 FY11 Change 2 Net interest income 69.5 67.9 (1.5) Net interest income 69.5 67.9 (1.5) 3 Net fees and commissions income 7.3 7.0 (0.3) ⇒ (P7) Domestic 68.0 66.5 (1.4) 4 Trading income 0.7 0.6 (0.1) Loans and deposits 60.8 59.6 (1.1) Profit from other business transactions 5 3.5 2.5 (1.0) Loans 65.1 62.5 (2.5) Gains (losses) related to bonds 6 2.4 1.7 (0.6) Deposits 4.3 2.8 (1.4) 7 Expenses (-) 40.0 39.9 (0.0) ⇒(P8) Securities 8.3 7.8 (0.4) 8 Real net business income 41.2 38.2 (2.9) Original Projections International 1.4 1.3 (0.0) 9 Core net business income 38.8 36.5 (2.2) 38.0 10 Net transf er to general allowance f or loan losses (-) --- Net credit costs ⇒(P9) 11 Net business income 41.2 38.2 (2.9) Interim Interim 12 Non-recurrent income and losses (7.5) (2.5) 5.0 ＜\Bil.＞ FY10 FY11 Change 13 Disposal of non-performing loans (-) 7.9 (5.7) (13.7) Net transf er to general allowance f or loan losses (2.0) (9.3) (7.2) 14 Gains (losses) related to stocks, etc. (0.8) (9.5) (8.6) Disposal of non-performing loans 9.2 5.1 (4.0) 15 Ordinary profit 33.6 35.7 2.0 36.5 New downgrades 7.5 5.7 (1.7) 16 Extraordinary income (loss) 3.4 (0.2) (3.7) Decreases in collateral value, etc. 1.6 0.5 (1.1) 17 Net income 22.6 23.0 0.3 23.0 Recoveries (0.7) (1.5) (0.8) 18 Net credit costs (-) 3.9 (5.7) (9.6) Others 0.7 0.3 (0.3)

19 Consolidated ordinary profit 36.5 37.4 0.9 38.0 Recoveries of written-off claims (3.2) (1.6) 1.6 20 Consolidated net income 23.3 23.4 0.1 23.5 Net credit costs 3.9 (5.7) (9.6)

3 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Net Interest Income

Net interest income shows signs of recovery with an increasing loan balance and improving spreads

Net interest income on domestic loans and deposits Volume factor Projection Volume Yield Average balance on Domestic loans and deposits for 2H11 65 factor factor ⇒(P5) ¥7,485.6 bil. 7,384.2 （¥Bil.） Volume Yield 7,400 Loans 63.2 factor factor 0.9 （¥Bil.） (3.4) 7,200 7,142.7 60.8 2.0 (3.1) 7,032.2 59.6 7,000 ＋241.4 60 （＋3.3％） ＋1.5％ 6,800 6,718.8

(Reference) 6,600 Y on Y change in average loans of all Japanese banks minus 0.5％(Jul.-Sep. 2011) *Source BOJ 55 6,400 1H09 1H10 1H11 1H08 1H09 1H10 1H11 Yield factor Projection for 2H11 Average yield on domestic loans and deposits Deposits ¥9,040.1 bil. 2.2 1.97 1.4 9,018.9 1.90 Loans (left) 9,000 2.0 1.81 1.2 1.76 （¥Bil.） （％） 1.68 1.67 （％） 1.8 1.0 8,800 1.6 1.82% 0.8 8,624.3 1.78% 8,600 1.4 1.72% 0.6 ＋394.6 1.69% 1.62% 1.61% 8,471.0 1.2 Difference 0.4 （＋4.5％） 8,400 ＋1.8％ 1.0 0.2 8,264.3 0.15 0.8 0.12 0.0 8,200 0.09 0.07 0.06 0.06 0.6 Deposits (right) -0.2 8,000 1H09 2H09 1H10 2H10 1H11 FY11 (Projection) 1H08 1H09 1H10 1H11 4 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Loan Portfolio The speed of growth of the loan balance was up, with strong financial demand from ongoing development projects in “Wider Chiba”

Breakdown of increase in loans and bills discounted Loan balance for SMEs 11/3 11/9 Change 3,200 3,179.1 (¥Bil.) ＜\Bil.＞ (%) 3,150 3,119.3 Domestic loans 7,321.1 7,461.5 140.3 1.9% 3,100 ex. Public sector 7,039.5 7,151.0 111.4 1.5% 3,048.6 3,034.4 Corporate 4,396.0 4,475.5 79.5 1.8% 3,050 3,023.8 Large Corporates 1,276.6 1,296.4 19.7 1.5% 3,000

SMEs 3,119.3 3,179.1 59.7 1.9% 2,950 Guranteed by Chiba Guarantee Corp. 526.9 579.2 52.3 9.9% 09/3 10/3 10/9 11/3 11/9 Consumer Loans 2,643.5 2,675.5 31.9 1.2% Housing Loans 2,545.6 2,580.8 35.1 1.3% Number of loans for capital expenditure （ ） Public sector 281.5 310.4 28.8 10.2% （unit amount more than ¥100mil.）

Domestic loans 7,321.1 7,461.5 140.3 1.9% 350 (Case) 349 Branches in Chiba 5,554.0 5,630.1 76.0 1.3% 342 342 Branches outside Chiba 1,767.1 1,831.4 64.3 3.6% Wholesale Branches 300 303 （Special Branches*） 1,212.8 1,236.2 23.3 1.9% 301 Retail Branches （ex. Special Branches*） 554.2 595.1 40.9 7.3% 280

* Tokyo Head Office, Shinjuku branch and Osaka branch 250 1H06 1H07 1H08 1H09 1H10 1H11 5 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Securities Portfolio

Impairment loss on stock holdings is limited by controlling interest rate risk Average duration to maturity of yen bonds Balance of investment securities (excluding valuation gains/losses) Only fixed rate bonds 3.9 3.8 3.6 3.7 4 3.4 3.4 2,031.8 (Year) 3.5 1,949.5 1,968.6 3.2 1,922.6 3.1 3.3 2,000 1,868.3 2.7 3.0 (¥Bil.) Total 2 468.6

Government bonds 631.9 （Reference） Outlier ratio（11/9）：1.4％ 865.1 1,500 866.2 898.7 0 09/3 09/9 10/3 10/9 11/3 11/9

Book value* of stocks and ratio to Tier I capital (Consolidated) 975.9 *Acquisition cost of other securities with market value60 1,000 53.8 Corporate bonds 834.2 and others 40 （％） Book value of stocks to Tier I capital 691.1 673.5 200 189.8 27.2 Stocks 22.2 20.9 638.5 (¥Bil.) 19.320 500 146.5 143.2 129.2 125.7 154.4 117.10 440.6 141.3 137.2 128.3 100 -20 Foreign currency 328.8 271.0 securities 245.6 202.6 0 Book value -40 of stocks 08/3 09/3 10/3 11/3 11/9 0 -60 01/3 09/3 10/3 11/3 11/9 6 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Fees and Commissions Income

Stable income by strengthening sales of investment-type financial products

Fees and commissions income Sales of investment-type financial products The highest 16.0 16.2 16.0 amount in the 15.5 past three years 15.3 150.0 15 150 138.5 138.6 (¥Bil.) (¥Bil.) 123.8 114.2 Income 105.7 75.0 76.3 69.0 10 100 86.9 Profit 74.9 56.8 51.7 7.3 7.3 7.4 Sales of 6.7 6.7 7.0 personal 52.8 48.8 annuities 50 4.4 4.7 4.6 4.7 5 4.0 53.9 31.4 69.5 75.0 3.5 62.2 57.3 48.8 38.0 Sales of 21.4 stock funds Sales of investment- 0 type financial products 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 0 (Projection) Fees and commissions income on sales of investment-type financial products 6 2.5 2.3 2.0 (¥Bil.) Personal 2.3 2.0 annuities 1.7 (5) 1.7 Expenses 4 2.7 2.5 1.2 2.3 2.3 2.5 1.8 2.1 (8.5) (8.6) (8.7) (8.8) (8.9) 2 1.4 Stock funds (10) 1H09 2H09 1H10 2H10 1H11 2H11 0 (Projection) 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 (Projection) 7 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Expenses

Radical cost-cuts offset the rise in depreciation costs from investment in new branches and IT systems

NewlyNewly openedopened andand renovatedrenovated branchesbranches Breakdown of increase/decrease in expenses

Interim Interim FY11 ＜\Bil.＞ FY10 FY11 Change (Projection) Change Yachiyo branch Expenses 40.0 39.9 (0.0) 83.0 2.2 Nakayama branch 10/10 Renovated Kamagaya branch 11/1 Renovated Personnel 20.8 20.7 (0.0) 41.5 0.0 11/2 Renovated Non-personnel 17.2 17.0 (0.1) 37.1 1.9 Tax 2.0 2.1 0.1 4.4 0.3

Ajiki branch Misato-chuo branch Chiba-newtown branch Main factors of increase/decrease 11/2 Renovated 11/3 Newly Established 11/3 Renovated in personnel and non-personnel expenses Newly opening Interim FY11 (Results) FY11 (Projections) 11/12 Inzai-makinohara branch ＜\Bil.＞ 12/2 Yotsukaido-minami branch Koshigaya-laketown branch 12/2 Kisarazu branch Kisarazu-higashi branch (renovation) Regular salaries (-0.1) 11/6 Newly Established Personnel (0.0) + 0.0 Bonuses (-0.1) 11/11 Renovated Social insurance (+0.1) Loan balance at new branches *Newly opened after April 2005 Cost-cuts (-1.0) 300 Cost-cuts （-0.6） Renew al of branch (¥Bil.) Renew al of branch systems (+1.2) 200 systems (+0.2) Opening new branches Non- Opening new branches and renovating branches (0.1) + 1.9 100 personnel and renovating branches (+0.5) (+0.2) Other new projects (+0.3) Deposit insurance (+0.1) BCP related (+0.1) 0 Deposit insurance (+0.1) 08/3 09/3 10/3 11/3 11/9 8 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Net Credit Costs

Net credit costs kept at a low level by appropriate control of credit risks Disposal of non-performing loans Breakdown of net credit costs Breakdown of net credit costs (new downgrades) 20 FY10 FY11 (¥Bil.) 1H 2HOriginal 1H 2H projection 15 ＜\Bil.＞ (Actual) (Actual) (Actual) (Forecast) Net transf er to general allowance f or loan losses (2.0) 1.5(7.5) (9.3) 0.0 Under 10 conservative 15.0 18.6 scenario Disposal of non-performing loans 9.2 7.010.0 5.1 7.6 15.4 New downgrades 7.5 7.08.5 5.7 6.5 5 8.6 7.5 7.0 5.7 6.5 Decreases in collateral value, etc. 1.6 0.71.5 0.5 0.4 0 Recoveries (0.7) (1.3)(0.6) (1.5) 0.2 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 Others 0.7 0.50.6 0.3 0.4 (Forecast)

Recoveries of written-off claims (3.2) (2.1)(2.0) (1.6) (1.3) Disposal of non-performing loans (Decreases in collateral value, etc.) Net credit costs 3.9 6.40.5 (5.7) 6.2 3.0 (¥Bil.) 14bp 10.30bp 0.5 2.5

2.0

Net credit costs ratio 1.5 (vs. Term 2.6 1.8 - 1.0 1.8 end balance) 1.6 1.6 * From the interim period of fiscal year 2011, ‘Reversal of allowance for loan losses’ 0.5 and ‘Recoveries of written-off claims’ are included in ‘Disposal of non-performing 0.7 loans’ based on the “Practical Guidelines on Accounting Standards for Financial 0.5 0.4 Instruments.” However, it is not applied to the above table to enable comparison 0.0 with previous figures. 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 (Forecast) 9 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Capital Base

Sufficient capital both in quality and quantity for the new Basel III Standard

Capital ratio, tier 1 ratio (Consolidated) (Basel II) Breakdown of tier 1 capital 14.13 (\Bil.) 14 13.37 Tier 1 capital 604.9 (％) Capital Ratio 12.80 12.81 Capital stock (fully composed of 268.4 common stocks), Capital surplus 12.20 12.05 11.63 11.70 Retained earnings 363.4 12 11.39 11.19 Amount of minority interests held by consolidated 13.7 10.72 Tier 1 Ratio subsidiaries (holding no pref erred securities) 10.17 Others (40.8) 10 9.68 (Reference) 8.36 Deferred tax assets (B/S amount) 45.2

8 Intangible fixed assets 10.0

Risk assets 4,721.2 (Reference) Under Basel III Standard

6 Common equity Tier 1 ratio：11.8％（trial calculation* as of 11/9) ≧7％（minimum + conservation buffer in 19/1） * Transitional arrangements are not taken into consideration

4 06/3 07/3 08/3 09/3 10/3 11/3 11/9

10 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Earnings Projections for FY2011 FY10 FY11 2H ＜\Bil.＞ (Actual) (Projection) Change (Projection) 1 Gross business profits 159.2 155.5 (3.7) 77.3 2 Net interest income 137.6 135.0 (2.6) 67.0 3 Net fees and commissions income 14.1 14.5 0.3 7.4 4 Trading income 1.1 1.5 0.3 0.8 5 Profit from other business transactions 6.3 4.5 (1.8) 2.0 6 Gains (losses) related to bonds 3.9 2.5 (1.4) 0.7

7 Expenses (-) 80.7 83.0 2.2 43.0 Original projection 8 Real net business income 78.4 72.5 (5.9) 34.2 9 Core net business income 74.5 70.0 (4.5) 33.4 74.5 10 Net transfer to general allow ance for loan losses (-) 0.4 - (0.4) 0.0 11 Net business income 78.9 72.5 (6.4) 34.2 12 Non-recurrent income and losses (19.1) (7.5) 11.6 (4.9) 13 Disposal of non-performing loans (-) 16.2 0.5 (15.7) 6.2 14 Gains (losses) related to stocks, etc. (4.5) (8.2) (3.6) 1.3 15 Ordinary profit 59.7 65.0 5.2 29.2 62.0 16 Extraordinary income (loss) 4.3 (0.8) (5.1) (0.5) 17 Net income 38.1 40.0 1.8 16.9 40.0

18 Net credit costs (-) 10.3 0.5 (9.8) 6.2

19 Consolidated ordinary profit 65.3 68.5 3.1 31.0 65.5 20 Consolidated net income 40.6 45.0 4.3 21.5 41.5 11 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Progress in Medium Term Management Plan “Frontier 70”

≫Summary of Financial Results

≫≫Progress in Medium Term Management Plan “Frontier 70"

12 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Medium Term Management Plan TheThe 11 11ththMediumMedium Term Term Management Management Plan Plan“ “FrontierFrontier 70 70”” -- From From April April 2011 2011 to to March March 2014 2014 (3 (3 years) years) - - WeWe shall shall implement implement a a customer customer first first policy policy and and aim aim to to be be a a first-rate first-rate retail retail bank, bank, fullfull of of creativity, creativity, which which will will meet meet the the ex expectationspectations of of customers customers in in the the region region

BackgroundBackground “Frontier“Frontier 70”70” TargetTarget

Subject 1 Strengthening the business structure RegionalRegional basebase Our own evolution

・・OneOne ofof thethe fewfew areasareas withwith aa growinggrowing Subject 2 Assisting the regional economy populationpopulation Establishment of a robust business ・・HighHigh growthgrowth potentialpotential 課題ⅠSubject 3 Enhancing the management system and management foundation and ・・ProgressivelyProgressively agingaging societysociety solid profitability, able to withstand Subject 4 Improving the development of changes in circumstances in the KeepingKeeping andand improvingimproving highhigh profitabilityprofitability human resources future

・・RaisingRaising toptop lineline revenuerevenue CommitmentCommitment 150150 ・・RadicalRadical costcost controlcontrol Regional developments Improving the quality of financial services ImprovingImproving thethe qualityquality ofof financialfinancial servicesservices ImportantImportant mattersmatters Recovery and development of the regional economy ・・Customers’Customers’ expectations expectations forfor convenienceconvenience ・Working across the organization ・・HigherHigher competitioncompetition causedcaused byby newnew ・Speedy implementation of the plans entrantsentrants fromfrom otherother industriesindustries ・・StrengtheningStrengthening alliancesalliances withwith otherother Growth Innovation Committee Chiba Bank financialfinancial institutionsinstitutions （Established 2011/1） The 70th anniversary Intensifying regulation Members Intensifying regulation Members in March 2013 ・・IntensificationIntensification ofof financialfinancial regulationregulation President,President, HeadHead ofof eacheach unit,unit, ⇒ Taking a large step with ・・PreventionPrevention ofof financialfinancial crimecrime ExecutiveExecutive OfficerOfficer andand GeneralGeneral ManagerManager inin chargecharge the region

13 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Development Projects and Strong Financial Needs

Contributing to the development of the regional economy by actively giving regional information

Tsukuba Express MajorMajor developmentdevelopment projectsprojects inin ChibaChiba Narita Sky Access Opened 2005/8 Opened 2010/7 Kashiwanoha-campus Inba-chuo Land readjustment project Tsukuba Express Land readjustment project Planned population 26,000 Expected population 13,600

Kashiwanoha-campusKashiwanoha-campus sta.sta. areaarea Nagareyama JR Narita sta. -otakanomori eastern exit area Narita Int’l Airport Urban redevelopment project Land readjustment project Narita Int’l Airport Tokyo Bay Aqua Line Planned population 28,600 Residences, shops and public space Fare discount Economic effect （2009/8～） about ¥1tri. JR Tsudanuma sta. Yotsukaido city southern exit Monoi area Land readjustment project Land readjustment project Planned population 7,000 Planned population 10,000

Makuhari new city Chiba sta. Makuhari new city Ken-O do express Bunkyo area western exit area Large city projects Urban redevelopment project Ken-O do express Kisarazu Planned population 10,000 Tokyo Bay Aqua Line Offices, shops and hotel Stimulating industry by the Opening FY2012 internationalization of Togane IC・JCT － Haneda Airport Kisarazu city － Kisarazu higashi IC Kisarazu city West Kaneda area East Kaneda area Land readjustment project Land readjustment project Planned population 7,000 Planned population 12,500 Total project costs About ¥1 tri. Planned population About 0.2 mil. 14 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Branch Network Strategy Increasing market share in the western area of Chiba by expanding the branch network, taking into account the appropriate allocation of business resources

Ibaraki Branch network strategy in the growth area

Population and our busibusinessness share by area Koshigaya-laketown Branch （2011/6） Population Share of deposits* Share of loans* Saitama Western area of Chiba About 4.5 mil. 18% 35% Other areas in Chiba About 1.7 mil. 50% 45% Misato-chuo Branch Inzai-makinohara Branch （2011/3） （2011/12） Neighboring area About 6.0 mil. - -

*Our own calculation Tokyo Aiming for more growth in the western area of Chiba, developing our business and expanding our branch network to increase our Yotsukaido-minami Branch market share. （2012/2） 9 Newly opened and renovated branches in the growth area OpeningOpening RenovationRenovation 11/3 Misato-chuo Branch 11/11 Kisarazu-higashi Branch 11/6 Koshigaya-laketown Branch 12/2(Scheduled) Kisarazu Branch Chiba 11/12(Scheduled) Inzai-makinohara Branch 13/7(Scheduled) Motoyawata Branch 12/2(Scheduled) Yotsukaido-minami Branch 14/3(Scheduled) Tokyo Head Office

Branch network strategy taking into account the appropriate allocation of business resources

Newly Opened Branches （2005/4～） 9 Planning the renovation of run down branches Newly Opening Branches（2011/12～） 9 Changing branch functions according to market characteristics 15 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Business in Growing Sectors Assignment of specialized staff to support customers in growing sectors such as agriculture, tourism, PFI, medical & nursing and environment

Growth Business Support Office（Established 2010/10）

9 Continuously hosting “Agri-Business Matching” Agriculture 9 Helping customers to recover from the earthquake 9 Supporting the establishment of agri-corporations Tourism 9 Hosting “Management-reform Seminar for Hotel businesses” 9 Market expansion of PFI (¥3 tril.） PFI 9 Chiba Pref.:No.3 market in Japan in terms of the Medical 9 Medical business analysis program for customers number of cases, following Tokyo and Osaka Nursing 9 Starting “Chibagin Medical Loan with life insurance” 9 Renewal demand for social infrastructure 9 Hosting “Chibagin Marche” sales fair of farmers’ 9 Market expansion of advanced environmental Business products in Chiba Environment technologies, such as electric cars, solar and Matching 9 “Itochu Food and Drink Sampling Conference” biomass power generation 9 “Seven-net Shopping Conference” 9 Adoption of “Certified Emission Reduction Scheme” Number of cases and commissions income Loan balance in medicalmedical and nursing industries for business matching (average balance) 50 120 140 (Cases) (¥Mil.) (¥Bil.) 40 Cases 80 120 30 Nursing

20 40 100 Medical 10 Commission

0 0 80 1H09 2H09 1H10 2H10 1H11 1H09 2H09 1H10 2H10 1H11 16 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 International Business Supporting customers’ overseas business through cooperation with overseas branches and alliance partners and strengthening trade finance

Expansion of Asia network Alliance partners Coverage area 9Supporting customers from both domestic and overseas branches China 93 offices in Asia Head office 1 branch (Hong Kong) Thailand 2 rep. offices(Shanghai and Singapore) 93 alliance partners Across Asia 2010/4 (Standard Chartered Bank 11/6～) Staff added 2011/6～ Japan⇒Asia New ShanghaiShanghai Hosting overseas business seminars alliance Rep.Rep. OfficeOffice

9“The investment environment in Thailand and trends relating to Japanese companies” ⇒ (Bangkok Bank) HongHong KongKong BranchBranch Asia Japan 9“Business strategy in Vietnam 2011/2～ ～Successes and failures～” (SME Support, Japan) DeployingDeploying staffstaff Assigning staff responsible for foreign toto “Japan“Japan Desk”Desk” exchange promotion and developing SingaporeSingapore Rep.Rep. OfficeOffice human resources Other branches

9Assigning staff responsible for trade finance 2011/3 NewNew YorkYork to 10 main foreign exchange branches Opened BranchBranch (Strengthening business promotion) LondonLondon 9Starting practical training for trade finance and BranchBranch increasing the number of trainees 17 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Housing Loans

Strengthening loan promotion functions; the balance of loans continues to increase steadily Pre-applications at Loan Centers Establishing “Consumer Loan Office” （Established 11/6） EstablishingEstablishing ““ConsumerConsumer LoanLoan OfficeOffice”” (From June to October) 9 Strengthening loan business by directly approaching major 12,000 housing related companies (developers, brokers and constructors) and closely supporting branch offices. (Case) 600 StrengtheningStrengthening thethe funcfunctiontion ofof LoanLoan CentersCenters 10,000 9 Rearranging “loan centers” to deal with housing related Pre-applications companies, particularly on non-business days. 500 reached the same level as FY2009 New housing loans 8,000 KashiwaKashiwa LPLP (Consolidation with Matsudo LC) 400 HokusoHokuso LCLC 378.8 (Consolidation with Narita LC) (¥Bil.) 344.4 TokyoTokyo LCLC (2H) (Consolidation with Urayasu LC) Funabashi LP 325.2 Funabashi LP 313.3 6,000 (Consolidation with Ichikawa LC, Tsudanuma LC) Expecting favorable 300 results for the 2nd MakuhariMakuhari LPLP Inage LC Inage LC half of FY2011 ChibaChiba ChuoChuo LPLP (Consolidation with Ichihara LC) 4,000 200 1H 143.5 LP: Loan Plaza, LC: Loan Center

IncreasingIncreasing femalefemale stastaffff onon loanloan businessbusiness 100 2,000 9 Deploying well-trained female sales staff from loan centers to branch offices (Number of female staff : 30 ⇒ 60） 0 0 FY07 FY08 FY09 FY10 FY11 (Projection) 18 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Investment-type Financial Products Starting new business actively and promptly after deregulation and offering proposals to meet the customers’ needs ≪Responding to deregulation≫ Responding to deregulation Sales of investment-type financial products InvestmentInvestment truststrusts 98/10 Permission 300 (¥Bil.) PersonalPersonal annuitiesannuities 01/4 1st permission TrustTrust businessbusiness 06/6 Will trusts and inheritance arranging business The first among regional banks 200 ≪Expanding the product line-up≫ Sales of personal annuities 1H ¾ Investment trusts and Single premium perpetual annuity sales personal annuities No.1 among regional banks (1H11) Trust contracts (1H11) ¾ Alliances with foreign financial institutions 100 (Lombard Odier, etc.) 3.5 times compared with 2H10 Sales of stock funds ≪Strengthening sales functions≫

¾ 05/2～ Started agent business for financial products Wholly-owning (via Chibagin Securities) Chibagin Securities 0 FY08 FY09 FY10 FY11 ¾ 3 Consulting plazas, 5 Consulting Lounges (Projection) ConsultingConsulting plazasplazas Fees from sales of indemnify-type insurance 2012/4～ 1.2 ConsultingConsulting PlazasPlazas ChibaChiba KashiwaKashiwa FunabashiFunabashi Relaxing regulations on sale (¥Bil.) of insurance Renewal ⇒Starting training 0.8 ・・SeminarsSeminars Renewal (11/10) ・・OpenOpen onon holidaysholidays (1H11)(1H11) IntroductionIntroduction fromfrom branchesbranches +62% +62% 0.4 Strengthening Indemnify-type insurance business Strengthening Indemnify-type insurance business Indemnified-typeIndemnified-type insuranceinsurance +5%+5% Number of staff in charge of insurance BrokerageBrokerage feesfees +23% +23% 0 2（09/9）⇒6（10/4）⇒10（11/4） *Comparison*Comparison withwith 2H102H10 FY09 FY10 FY11 FY13 (Projection) (Projection) 19 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Chibagin Securities－Wholly-owned subsidiary (2011/10/1~) Making Chibagin Securities into a wholly-owned subsidiary and strengthening securities business through group synergy

1883/6 Founded 1981/10 2011/1 Changed Kobuse Securities Merger Chuo Securities Chibagin Securities History name 1923/4 Founded 1998/3 2011/10 Toriumi Securities Joined Chiba Bank group Wholly-owned subsidiary

Branches 16 branches Chiba: 12 〔the most in Chiba Pref.〕 Tokyo:1 Saitama: 1 Ibaraki: 1 Nagano: 1

Employees 253 staff (as of March 31, 2011) *Including temporary employees (commission staff, contract dealers, temporary staff and seconded staff)

Financials Operating revenue ¥3,333 mil. Background Number of recorded accounts 64,755 Net income ¥28 mil. Balance of AUM ¥444.3 bil. Capital ratio 1,100.2%

Progress in introduction Target Chibagin Securities underwrote ¥2.0 bil. based agency business Chiba Bank 300 based agency business 1. Increase AUM from personal 2011/9 (Case) 1. Increase AUM from personal Chibagin Securities 250 customerscustomers Issued public offering of Increased reflecting AUM of Chiba Bank group from subordinated debentures 200 public offering of personal customers (Total ¥10.0 bil.) subordinated debentures Introduction Sales to 150 ¥1.5¥1.5 tri.tri. ¥2.0¥2.0 tri.tri. based agency customers business 100 2.2. EnhanceEnhance profitabilityprofitability ofof 50 securitiessecurities businessbusiness 0 10/10 10/12 11/2 11/4 11/6 11/8 20 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Systems Investment Enhancing sales promotion skills and improving business efficiency by launching new branch IT systems and use of the internet SystemsSystems investmentinvestment CounterCounter (branches)(branches) InternetInternet Targeting the young generation Launch of new branch IT systems FinancialFinancial LeadingLeading intointo ExpansionExpansion ofof Customer-facing touch panel FinancialFinancial needsneeds Customer-facing touch panel educationeducation openingopening accountaccount businessbusiness ・Touch panel Deposits (Easy for customers) Housing loans ・Shorten interview time Insurance Investment-type •• EnhancingEnhancing salessales promotionpromotion financial products skillsskills (FP(FP function)function) Students High-teens Recruits Young workers, homemakers •• ImprovingImproving businessbusiness efficiencyefficiency Launch of CRM system Notification of customer event (Added EBM function) Notification of customer event Website access Gomez website ranking informationinformation for smartphones among regional banks (Receipt(Receipt ofof largelarge sumssums ofof money,money, repaymentrepayment completioncompletion 1 The Chiba Bank ofof housinghousing loans,loans, etc.)etc.) 2 The Tokyo Star Bank ・Capturing account movements 3 The Bank of Fukuoka ・Added event information 3 The Shizuoka Bank 5 The Shinwa Bank •• SelectSelect recommendedrecommended productsproducts 5 The Kumamoto Family Bank •• ConsistencyConsistency ofof promotionalpromotional skillsskills No.1：Performance and ease of use No.1：Information about products and services

21 The 11th MEDIUM TERM MANAGEMENT PLAN FRONTIER 70 Capital Policy Using capital effectively for additional growth, as well as shareholders’ return, while keeping capital sufficiency

Acquisition of own shares

10/10 11/5～6 Improving corporate value

Positive attitude Using capital towards efficiently for profit 10M shares 12M Shares shareholders’ return growth

FY2010FY2010 FY2011FY2011 FY2012FY2012

Cash dividends paid

04/3 05/3 06/3 07/3 08/3 09/3 10/3 11/3 12/3(Projection) Cash dividends paid per share (annual) ¥6 ¥6 ¥7 ¥9 ¥11 ¥11 ¥11 ¥11 ¥11

Shareholders’ return (\Bil.) 04/3 05/3 06/3 07/3 08/3 09/3 10/3 11/3 12/3(Projection) Annual cash dividends paid ① 5.0 5.0 6.1 8.0 9.8 9.8 9.8 9.7 9.6 Own share acquisition ② ------5.05.8 Shareholders' return ③＝①+② 5.0 5.0 6.1 8.0 9.8 9.8 9.8 14.8 15.4 Consolidated net income ④ 27.5 36.3 48.9 52.5 45.9 12.3 37.5 40.6 45.0 Payout ratio ①/④×100 18.3% 13.8% 12.2% 15.2% 21.3% 79.3% 26.1% 24.0% 21.4% Shareholders' return ratio ③/④×100 18.3% 13.8% 12.2% 15.2% 21.3% 79.3% 26.1% 36.5% 34.3%

22 InterimInterim FinancialFinancial ResultsResults forfor FY2011FY2011

Appendix

Frontier 70

NovemberNovember 25,25, 20112011 Appendix-1 Management indices R activities 32 Financial Reconstruction Law Financial Reconstruction 25 Summary of Income and Expenses and Income Summary of Management Indicators Yields Interest and Liabilities Working Assets -Domestic Loans Balance -Domestic Loans Proportion Industry Classified by Borrowers Loans, 13 Loans of Structure Profit Domestic Deposits - Balance Domestic Deposits - Proportion Personal Deposits Expansion of 19 16 Financial Products 14 the and Self-Assessment Loans Disclosed under 17 18 Requiring Fluctuations in Assets Caution for Factors 26 Collateral Disposal of 15 Facilitate Financingto Efforts 21 22 20 Capital Ratio 23 Risk Capital Allocation Chibagin SecuritiesFinancial of Information ＣＳ Branch Network Composition Shareholders of 31 24 ChangesComposition Shareholders in of Recent News 28 27 35 30 34 29 33 36 ≫≫ Regional Economy Chiba Prefecture 7 Economic Conditions (1) Business Survey IndexEconomic Conditions (1) LoansEconomic Conditions (2) Population IncreaseEconomic Conditions (3) 3 Bankruptcies Corporate Economic Conditions (4) within Financial Institutions Business Share of 6 5 Chiba (1)Prefecture for Economic Indicators Chiba (2)Prefecture for Economic Indicators Trends in Chiba PrefectureLand Price Chiba PrefectureKeyfor Data 4 8 9 10 11 Table of contents ≫ ≫ Regional Economy

≫≫ Management Indices Forecast

Appendix-3 FY11 Actual ey in Chiba (July to September 2011)" (July ey in Chiba FY10 Actual 3.9 (23.1) 0.07.2 (12.5) 15.00.0 (4.2) 7.7 0.0 (15.4) 3.9 (7.2) 7.7 (3.9) (2.8) (8.3)(4.6) (8.3) (12.5) 0.0 (2.5) (25.0) 0.0 (11.1) (6.9)(4.6) (20.0)(7.2) (10.0) 2.2 (22.7) 0.0 (22.9) (2.8) (11.6) (15.3) (15.4) 3.0 (15.2) 10.7 (4.8)14.3 (2.1) 8.414.7 (4.6) 11.8 0.0 (9.6) (15.6) (21.4) (21.5) 3.020.9 (6.3) (50.0) (40.9) (31.8) (40.9) (18.2) (9.1)(18.8) (12.2) (7.2) (12.9) (25.0) (6.7) (40.0) (40.0) (14.1) (26.0)(15.7) (22.5) (27.8) (16.7) (22.0) (7.4) (9.3) (8.4) Oct-Dec Jan-Mar Apr-Jun Jul-Sep Oct-Dec Trend of BSI of Sales (By Industry) Trend of BSI Trend of BSI of Sales (By Industry) Trend of BSI As at: October 2011 answers 286 effective surveyed, 709 enterprises Answers: Source: Chiba Economy Center "BSI surv Center "BSI Economy Chiba Source: Surveyees: Enterprises with a head office and/or an office in Chiba Chiba in an office and/or office a head with Enterprises Surveyees: Plastics Glass Metals Machinery Construction Transportation Wholesaling Retailing Hotels Services Food Petroleum & Chemicals & Petroleum SteelNon-f & errous Metals machinery Electrical equipment Transportation manufacturing Other Forecast Actual ent and actual conditions, with with conditions, actual ent and ent and actual conditions, with with conditions, actual ent and ard/decrease/worsen". ard/decrease/worsen". ard/decrease/worsen". ard/decrease/worsen". ,"no change", and "downw ,"no change", ,"no change", and "downw ,"no change", dex of executives' business sentim business of executives' dex dex of executives' business sentim business of executives' dex - x1/2 "downward/decrease/worsen") - x1/2 "downward/decrease/worsen") Trend of BSI of Sales (All Industries) Trend of BSI Trend of BSI of Sales (All Industries) Trend of BSI a choice from "upward/ increase/improve" from "upward/ increase/improve" a choice increase/improve" = ("upward/ BSI BSI: Business Survey Index is an in is an Index Survey Business BSI: a choice from "upward/ increase/improve" from "upward/ increase/improve" a choice increase/improve" = ("upward/ BSI BSI: Business Survey Index is an in is an Index Survey Business BSI: Economic Conditions (1) Business Survey Index 90 92 94 96 98 00 02 04 06 08 10 0 30 20 10 (10) (20) (30) 5.0% 0.0% (5.0%) (10.0%) (15.0%) (20.0%) (25.0%) [Change]

Appendix-4 Loans in Chiba Prefecture Chiba Loans in Loans in Chiba Prefecture Chiba Loans in Loan Balance fromprevious Change year 03/4 03/10 04/4 04/10 05/4 05/10 06/4 06/10 07/4 07/10 08/4 08/10 09/4 09/10 10/4 10/10 11/4 Made by Chiba Bank with data from Business Support Div., Commerce, Industry &Industry Commerce, Div., Support Business from data with Bank Chiba by Made Labour Prefecture Chiba of Dept. banks from loans total of balance term-end are Figures Note: Economic Conditions (2) Loans 13.0 12.5 12.0 11.5 11.0 10.5 10.0 (¥Tri.) [Loan Balance] Appendix-5 ） Chugoku, Shikoku Thousands （

4 Kyushu

0

4 ,

1

9

8

7 Total inflow：151,402

, Total outflow：137,215

1 (2010) Hokkaido, Tohoku Hokkaido, +14,187 33 Prefecture Increase 4,3 Net inflow of population inflow Net

(From Oct. to Oct. 10) 05

6

5

0

Inflow/Outflow of Population Inflow/Outflow

Inflow/Outflow of Population Inflow/Outflow 8

470 0 , 1

,

3 Source: Ministry of Internal Affairs and Communications Source: Source: Ministry of Internal Affairs and Communications 3 123456Osaka45 7 Tokyo Kanagawa89 Chiba Aichi Saitama Okinawa Shiga Fukuoka 257 585 160 140 153 30 22 29 10 Hyogo (1) Kanto Top 10 Prefectures by Population Growth Top 10 Prefectures by Population Chubu 人口増加ランキング（2007/10⇒2008/10） Top 10 Prefectures by Population Growth Population by Top 10 Prefectures Kinki ） Million 2.5 2 1.5 1 0.5 0 （ Households 2.51 6.21 2.32 6.05 5.92 2.17 eholds in Chiba Prefecture eholds in Chiba eholds in Chiba Prefecture eholds in Chiba 2.01 5.79 1.81 5.55 Population HouseholdsNumber of 5.14 1.57 80 85 90 95 00 05 10 1.41 4.73 Sources: NationalSources: census ） Population & Number of Hous Population Population & Number of Hous Population 7 6 5 4 Economic Conditions (3) Population Increase Million （ People 80 60 40 20 0 (Cases)

Appendix-6 Amounts Cases ） in Chiba Prefecture in Chiba in Chiba Prefecture in Chiba Default Cases/Amounts Cases/Amounts Default Default Cases/Amounts Cases/Amounts Default ) Corporate Bankruptcies Headquartered in Chiba Prefecture & with debts over ¥10 million over & withdebts in Chiba Prefecture Headquartered （ Source: Made by Chiba Bank with data from Shoko Research Shoko from data with Bank Chiba Made by Source: 03/4 03/10 04/4 04/10 05/4 05/10 06/4 06/10 07/4 07/10 08/4 08/10 09/4 09/10 10/4 10/10 11/4 Economic Conditions (4 0 80 60 40 20 160 140 120 100 (¥Bil.) Appendix-7 23.6% Chiba Bank Chiba 38.3% Chiba Bank Chiba Source: KINYU JOURNAL 24.0% 21.4% 17.2% City banks City City banks City Japan Post Bank Post Japan 9.0% 11.6% Bank) 6.0% Regional Bank) 9.8% Regional 6.4% 8.5% banks 8.8% / Labour Bank // JA Labour Bank banks 15.4% banks(ex.Chiba Credit cooperatativesCredit banks(ex.Chiba Shinkin banks Shinkin Shinkin banks Shinkin 2nd-tier regional 2nd-tier regional / Labour Bank / JA /Labour Bank Credit cooperatativesCredit 20.9% Chiba Bank Chiba 34.6% Chiba Bank 22.8% 22.5% City banks City City banks City 27.1% Loans Loans Japan Post Japan Deposits Deposits 05/3 ￥13.6trillion 10/3 ￥14.2trillion 05/3 ￥34.6trillion 10/3 ￥36.2trillion 8.5% 5.6% Bank) Regional Labour Bank / JA LabourBank Bank) 10.6% Credit cooperativesCredit / Regional banks(ex.Chiba 9.7% 8.6% banks 14.1% 8.2% 6.8% banks(ex.Chiba banks Shinkin banks Shinkin 2nd-tier regional Labour Bank / JA LabourBank banks Shinkin 2nd-tier regional Credit cooperativesCredit / 18.7% Chiba Bank Chiba 19.6% 32.9% City banks City Chiba Bank 23.2% 6.0% City banks City 31.4% Japan Post Japan Regional banks Regional (ex.Chiba Bank) (ex.Chiba 00/3 ￥14.8trillion 00/3 ￥33.3trillion 9.1% 7.6% banks Bank) 10.0% Labour Bank / JA Labour Bank 11.0% Regional 7.8% Credit cooperativesCredit / 2nd-tier regional banks Business Share of Financial Institutions within Chiba Prefecture 13.8% Shinkin banks Shinkin banks(ex.Chiba 8.9% Shinkin banks Shinkin 2nd-tier regional Labour Bank /Labour JA Bank Credit cooperativesCredit / starts

Appendix-8 New Housing ㎡ Transport Ministry Land, of Infrastructure and Infrastructure Building Construction 3,946 71,536 2,786 58,147 2,873 62,745 3,530 42,526 2,687 45,085 3,840 4,431 3,992 3,298 3,485 5,052 3,608 Association Mini Vehicles New Car Chiba ToyotaMotor 480 10,079 366 8,210 351 7,552 543 5,303 408 5,976 578 643 541 444 509 - - 576 606 Corporation & Japan Registrations 100 Total Thousand ＝ Affairs and Communications Customer 2005 Ministry Internal of Price Index 8,824 144,900 10,730 139,271 10,790 135,000 4,981 126,789 7,000 133,425 9,058 12,399 9,947 8,431 8,617 8,400 7,875 Large users 99.4 100.9 99.3 100.8 99.6 102.0 99.9 100.7 99.9 100.0 99.7 99.9 99.8 100.1 99.9 99.8 99.5 ＫＷＨ Total Floor Area Tokyo ElectricPower Company, Chiba Branch 1,064 12,463 998 12,643 799 13,109 921 11,237 1,014 12,413 1,006 1,089 1,000 1,091 982 1,051 1,068 Electric Power Consumption Power Electric Ratio Inventory Producers' 3,579 37,906 3,431 38,151 2,915 39,056 2,847 36,490 2,745 39,078 2,655 3,738 3,029 3,098 3,014 3,115 100 Million ＝ 2005 126.7 104.5 131.4 109.4 163.6 129.4 153.3 163.2 152.7 140.9 154.7 142.2 183.2 148.1 137.9 138.7 Industrial Production Index Production Shipment 102.9 103.1 102.4 105.8 90.8 104.8 86.6 89.5 91.9 98.4 96.6 97.1 91.7 96.3 102.1 98.9 Total 6,217,119 101.5 102.0 103.3 104.8 85.2 102.6 90.0 85.4 96.2 96.1 96.1 95.1 90.8 95.3 - - - 3,076 95.6 ------12,240 100.1 Population As of Oct 1 Oct As of * *Source of Population as of 2010: National Census Economic Indicators for Chiba Prefecture (1) 2006 6,077,929 2007 6,108,809 2008 6,147,347 2009 6,183,743 2010 Source Statistics Div., Policy & Planning Dept. Chiba of Pref. 2011/01 6,217,857 2011/02 6,216,419 2011/03 6,214,641 2011/04 6,215,045 2011/05 6,217,034 2011/06 6,216,874 2010/09 6,201,046 2011/07 6,216,086 2010/10 6,217,119 2011/08 6,214,208 2010/11 6,218,127 2011/09 6,213,451 2010/12 6,219,060 ◆千葉県経済指標

Appendix-9 (Number of employees: or 30 more) 100 108.1 79.1 154.4 74.3 73.8 75.2 76.1 90.5 76.4 89.5 73.8 95.2 78.4 95.6 172.2 95.7 ＝ 2005 93.3 76.4 135.6 73.8 73.5 73.7 77.1 88.1 76.7 92.2 72.8 95.5 75.8 95.6 157.1 98.4 Statistics Div., Policy & Planning Dept. of Chiba Pref. ofDept. Chiba Planning & Statistics Policy Div., (Number of employees: 30 or more) Regular Employment Index Employment Regular 94.1 92.1 93.7 91.9 93.2 92.2 92.9 92.1 92.4 90.5 92.1 100.3 95.9 100.9 92.7 100.1 All industries Manufacturing All industries Manufacturing Ratio Active Opening - - - - 99.4 99.0 99.2 99.3 100.1 99.5 99.2 99.0 98.1 99.1 99.1 100.8 100.6 99.6 99.4 98.2 Active Job Openings 0.54 0.51 0.48 0.50 0.47 0.49 0.47 0.53 0.45 0.51 0.46 0.51 0.80 0.49 0.94 0.48 0.90 Chiba Labor Bureau Active 51,902 48,953 49,482 48,391 48,814 47,453 47,573 52,786 53,859 52,636 48,971 46,987 45,285 44,453 58,681 69,028 68,983 Applications Million ￥ 101,248 91,853 104,821 98,145 109,195 101,023 107,872 101,836 104,931 101,866 97,223 97,619 93,911 73,345 91,932 73,197 ------76,648 10 mil.or more) ￥ with debt Number of Companies (Headquartered in Chiba Pref . & Research, Shoko Ltd. Tokyo 4,929 3,785 6,701 8,303 10,484 4,468 7,338 3,941 8,005 1,968 111,683 8,193 118,539 6,223 78,715 2,974 153,140 140,573 ） 28 34 31 32 23 36 31 31 22 406 32 436 28 388 22 329 355 Million \ \ Export Import Chiba Kisarazu & Port Port Trade Customs Trade Clearance Corporate Bankruptcies Labor Market Real Wage Index 486,650 388,796 391,858 369,980 401,692 316,336 372,669 339,928 368,751 4,150,261 412,797 3,248,620 377,296 6,237,267 419,436 4,750,864 4,350,374 （ Economic Indicators for Chiba Prefecture (2) 2010 1,363,904 2009 1,052,240 2008 2,023,363 2007 1,716,473 2006 1,483,712 Source Ministry Finance of 2011/08 100,474 2010/12 121,383 2011/07 115,712 2011/09 - - 34 2010/11 120,129 2011/06 99,283 2010/10 116,147 2011/05 96,146 2010/09 126,722 2011/04 80,828 2011/03 128,269 2011/02 113,483 2011/01 116,340 ◆千葉県経済指標 ） ）

11.1.1 11.4.1 Appendix-10 Chiba Chiba Chiba 11.1.1 11.4.1 11.7.1 10.10.1 Chiba Prefecture Chiba Chiba Prefecture Chiba ＞ （ （ research trend prices of 10.10.1 B Ａ C F G E Research Area D 444455 555444 ～～～～～～Major Cities 10.4.1 10.7.1 10.1.1 10.4.1 10.7.1 trend prices of land in major cities. of intensively used land by ） Area ％） ） ％） ％） ％） ％） ＞ ％） Used Land in Used Land in Used Land in Major Cities Used Land in Chiba Minato Chiba Sta.Around Kaihimmakuhari555555 5 5Shin-Urayasu 5Around 5 Motoyaw Sta. ata Sta. Funabashi Around 5 5 5Kashiwanoha 5 4 5 5 4 5 5 5 4 5 4 - 4 - 4 5 5 or more ormore ％ to less than 6 to less than 9 to less than 12 to less than 3 to less than 6 than less to to less than 3 ％ ％ ％ ％ ％ 12 ％ 6 ％ （ Category （ Residential Residential Residential Commercial Commercial Commercial Commercial ov er 0 3 from 6 from 9 from From 3 From ov er 0 （ （ （ （ （ （ ％） 0 （ ＞＜ Change in three months Increasing Increasing Decreasing Decreasing Decreasing Decreasing Decreasing City Outline of the investigation 2 1 Increasing 3 4flat 6 7 8 9 5 Legend Demonstrating early trend prices intensively used land reflects which ＜ Level ＜ Chuo-ku, Chiba city Chiba Chuo-ku, city Chiba Chuo-ku, city Chiba Mihama-ku, Funabashi city city Kashiwa Urayasu city city Ichikawa Ｆ Ａ Ｇ Ｂ Ｃ Ｄ Ｅ Trend Prices of Intensively Trend Prices of Intensively -2.5 -2.4 -2.8 -3.2 -4.5 -5.2 1.5 0.1 4.7 1.5 -0.8 0.5 -4.5 -8.9 -4.8 -11.8 -7.6 -13.4 -9.5 -10.4 -14.6 -10.3 -10.8 -15.5 -12.9 -10.2 -6.8 Residential Commercial Standard Land Prices(Chiba Prefecture) Standard Land Prices(Chiba Standard Land Prices(Chiba Prefecture) Standard Land Prices(Chiba -15.3 -4.4 -12.7 96 97 98 99 00 01 02 03 04 05 06 07 08 09 10 11 -6.8 Data from Chiba Prefecture from Chiba Data As of July 1 of each year -16.3 Land Price Trends in Chiba Prefecture 5 0 Year) （％） (5) ( 10 (10) (15) (20) th

Appendix-11 Loans Tokyo Osaka Balance of Kanagawa nationwide) (Ranked 7 (Ranked ¥11.9 trillion ¥17.6 trillion ¥36.9 trillion ¥169.4 trillion th Tokyo Osaka Deposits Kanagawa Balance of nationwide) (Ranked 6 (Ranked ¥23.5 trillion ¥34.4 trillion ¥56.2 trillion ¥178.5 trillion th Tokyo Osaka Income ¥18 trillion ¥28 trillion ¥26 trillion ¥53 trillion Kanagawa Prefectural nationwide) (Ranked 6 (Ranked th Aichi starts Tokyo Number of Kanagawa nationwide) (Ranked 6 (Ranked 42 thousand new housing 71 thousand 57 thousand 123 thousand th Tokyo Osaka Population Kanagawa (Ranked 6 (Ranked 6.21 million nationwide) 9.04 million 8.86 million 13.16 million No. 1 No. 2 No. 3 Chiba nationwide nationwide nationwide Sources: 2010) (October Census Natural Population: (2010) Transport and Infrastructure Land, of Ministry starts: housing new of Number Prefectural 2008) (FY Office Cabinet Institute, Research Social and Economic Income: 2011) March of Japan (As of The Bank and Loans: Deposits of Balance Key Data for Chiba Prefecture ≫ Regional Economy

≫≫ Management Indices （\Bil.）

Appendix-13 FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 8.3 17.0 9.31.5 19.6 10.4 4.5 21.4 2.8 10.0 2.6 18.4 0.6 9.0 (1.1) 15.3 (0.8) 6.7 1.8 14.1 (11.1) (24.6) 7.3 1.0 14.1 1.6 7.0 3.5 6.3 2.5 0.5 2.2 1.8 0.7 (2.1) (6.0) (2.1) (0.9) (12.8) (28.4) (0.5) (0.9) 2.4 3.9 1.7 1H 1H 1H 1H 1H 1H 1H 1H 34.9 71.8 35.5 74.4 40.8 83.2 42.1 84.8 45.4 90.7 43.0 82.8 38.8 74.5 36.5 Gains (losses)Gains related to bonds Summary of Income and Expenses *These figures are based on non-consolidated figures except for Consolidated net income. net Consolidated for except figures non-consolidated on based are figures *These Trading income 1.0 2.4 1.0 1.9 0.9 2.3 1.5 3.3 1.6 4.7 1.6 3.0 0.7 1.1 0.6 Net interestNet income 61.5 123.7 61.8 126.2 65.8 132.4 68.8 139.5 73.4 146.6 72.8 143.3 69.5 137.6 67.9 Net feesNet income and commissions Prof it f rom other business transactions ExpensesOrdinary profit incomeNet 36.9 creditNet costs 73.7 28.8 37.6Consolidated netincome 57.8 75.3 36.0 39.1 20.7 19.5 68.8 77.9 36.3 34.3 2.9 31.8 39.5 24.8 23.4 16.5 71.3 79.2 48.9 46.7 (2.5) 38.4 40.4 25.6 24.5 (2.1) 70.0 79.9 52.5 50.1 0.8 11.1 39.7 27.9 27.2 2.0 80.3 45.9 44.6 6.5 (3.5) 40.0 22.0 7.6 7.3 80.7 3.6 53.4 12.3 11.3 39.9 19.3 33.6 16.6 16.3 37.2 59.7 37.5 36.2 16.8 35.7 23.3 22.6 19.4 40.6 38.1 23.4 3.9 23.0 10.3 (5.7) Gross business income 72.5 147.8 75.0 150.5 77.8 155.1 79.5 163.1 73.0 142.1 82.3Corenet business income 162.1 81.2 159.2 78.1 Appendix-14 s +Expenses) 3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 r acceptances and guarantees) age customers' liabilities fo Assets (Stockholders' equity before FY05) come – Gains/losses on bonds, etc. + Net transfer to general allowance for loan losse FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 1H 1H 1H 1H 1H 1H 1H 1H 04/9 05/3 05/9 06/3 06/9 07/3 07/9 08/ 0.46% 0.41% 0.53% 0.51% 0.50% 0.51% 0.56% 0.46% 0.14% 0.11% 0.32% 0.35% 0.44% 0.37% 0.43% 7.13% 7.21% 7.40% 8.05% 8.17% 9.29% 9.58% 10.26%7.40% 9.82% 7.49% 9.62% 7.71% 10.61% 10.78% 8.36% 11.47% 8.51% 11.46% 12.22% 9.68% 10.00% 10.72% 10.35% 10.17% 11.25% 11.39% 12.14% 12.05% 12.81% 10.08% 8.41% 10.64% 9.00%51.47% 9.18% 50.80% 51.13% 8.81% 49.95% 49.80% 9.52% 48.82% 48.32% 8.13% 47.97% 47.41% 2.74% 47.07% 48.14% 2.23% 49.34% 50.84% 5.88% 52.15%10.78% 52.29% 6.33% 10.88% 10.42% 7.68% 10.83% 10.57% 6.47% 11.20% 11.22% 7.63% 11.72% 10.74% 11.12% 12.02% 12.14% 12.83% 12.76% 13.51% 11.05% 11.16% 10.75% 11.19% 10.95% 11.63% 11.66% 12.20% 11.31% 11.70% 12.71% 12.80% 13.55% 13.37% 14.13% *4 *4 ROA = Net income / Average total assetsROA (excluding Aver = Net income / Term-endROE balance of Net Overhead ratio = Expenses / (Net business in Based on Basel II from March 2007 2 3 1 ※ ※ *1 *2 *3 *4 ※ Management Indicators Tier1 Ratio Tier1 Ratio Tier1 ROA ROE OHR Non-consolidated capital ratio*4 ratio*4 capital Consolidated

Appendix-15 1.81% 1.49% 1.68% 0.95% 0.06% 0.82% 0.60% 7.72% 0.89% 1.62% 1.00% 0.75% 1.12% 1.86% 1.96% 1.88% 1.56% 1.79% 0.91% 0.08% 0.87% 0.61% 7.66% 0.95% 1.71% 1.16% 0.78% 1.16% 1.90% 2.03% 1.97% 1.60% 1.81% 0.99% 0.10% 0.86% 0.63% 7.63% 0.97% 1.71% 1.14% 0.83% 1.21% 1.97% 2.12% 2.06% 1.70% 1.94% 0.98% 0.14% 0.89% 0.70% 7.81% 1.00% 1.80% 1.30% 0.90% 1.30% 2.03% 2.22% 2.17% 1.74% 1.97% 1.05% 0.15% 0.88% 0.74% 7.87% 1.00% 1.82% 1.31% 0.99% 1.35% 2.08% 2.33% 2.38% 1.85% 2.14% 0.99% 0.23% 0.91% 0.74% 8.05% 1.11% 1.91% 1.70% 1.19% 1.45% 2.14% 2.55% 2.41% 1.87% 2.16% 1.16% 0.26% 0.91% 0.71% 7.93% 1.16% 1.90% 1.38% 1.25% 1.65% 2.35% 2.58% 2.37% 1.83% 2.17% 0.91% 0.23% 0.93% 0.68% 7.82% 1.15% 1.94% 1.35% 1.29% 1.67% 2.36% 2.54% 2.32% 1.82% 2.13% 0.95% 0.22% 0.93% 0.68% 7.61% 1.14% 1.91% 1.38% 1.28% 1.67% 2.39% 2.49% Domestic Operations Domestic Operations 2.18% 1.65% 1.92% 0.94% 0.09% 0.95% 0.65% 7.37% 1.00% 1.83% 1.26% 1.17% 1.61% 2.30% 2.35% Contract Rate by Type Borrowers by Type Contract Rate Contract Rate by Type Borrowers by Type Contract Rate 2.06% 1.59% 1.85% 0.96% 0.05% 0.95% 0.63% 7.02% 0.96% 1.80% 1.05% 0.91% 1.46% 2.24% 2.24% 1.99% 1.60% 1.88% 0.76% 0.01% 0.94% 0.67% 6.79% 0.93% 1.87% 0.82% 0.72% 1.33% 2.11% 2.17% FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 1.62% 1.90% 0.69% 0.01% 0.94% 0.67% 6.60% 0.95% 1.89% 0.96% 0.80% 1.36% 2.18% 2.22% 2.04% 1H 1H 1H 1H 1H 1H 1H 1H 04/9 05/3 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 1.68% 1.99% 0.66% 0.01% 0.96% 0.71% 0.97% 1.98% 2.30% 1.69% 1.99% 0.66% 0.01% 0.96% 0.72% 6.42% 0.97% 1.98% 0.80% 0.94% 1.45% 2.25% 2.27% 2.10%

Interest Yields Internal management base (term-end’s weighted average contact lending rate of category.) each rate lending contact average weighted (term-end’s base management Internal Average yield on securities yield Average Av erage y ield on deposits and NCD ratio Expense Others 6.20% Housing loans 2.12% Average yield on loans bills and discounted * 国内業務部門 Av erage y ield on interest-bearing assets Av erage y ield on interest-bearing liabilities spread rate interest Average companies medium-sized and Small Public sector 1.13% 貸出先規模別約定金利 companiesLarge 0.97% Mid-sized companies 1.51% Consumer loans 2.30% Differencebetween average yield on loansdeposits and Appendix-16 Interestyield Interestyield Overall Overall Domestic Operations Domestic Operations Average balance (\Billion) balance Average (\Billion) balance Average FY08 FY09 FY10 FY11FY08 FY08 FY09 FY09 FY10 FY11 FY10 FY11 FY08 FY09 FY10 FY11 1H 1H 1H1H 1H 1H 1H 1H 1H 1H 1H 1H 1H 1H 1H 1H 125.8 210.7 251.1 232.7 139.5 246.1 189.6 0.93% 0.81% 0.49% 0.48% 0.64% 0.41% 0.50% 124.8 188.2 234.2 220.9 139.5 246.1 189.6 0.91% 0.74% 0.48% 0.48% 0.64% 0.41% 0.50% 9,258.2 9,283.26,774.1 9,345.9 6,930.4 9,386.0 7,112.3 9,419.8 7,155.1 9,522.59,245.7 7,222.8 9,721.8 9,306.4 7,281.7 9,484.5 7,481.1 2.00% 9,486.0 1.94% 9,362.6 2.16% 9,487.9 1.76% 2.14% 9,704.3 1.72% 1.96% 0.41% 1.63% 1.93% 0.36% 1.59% 1.80% 0.20% 1.51% 1.78% 0.19% 1.67% 0.15% 0.14% 0.12% 8,883.8 8,923.36,718.8 9,051.7 6,863.4 9,090.4 7,032.2 9,188.0 7,072.4 9,289.68,871.9 7,142.7 9,470.3 8,945.9 7,196.7 9,189.9 7,384.2 1.87% 9,190.8 1.85% 9,107.4 2.16% 9,228.9 1.74% 2.14% 9,449.0 1.70% 1.97% 0.28% 1.60% 1.94% 0.25% 1.56% 1.81% 0.17% 1.49% 1.79% 0.16% 1.68% 0.12% 0.11% 0.08% SecuritiesDeposits 2,116.7 2,077.9 1,954.0 1,962.3 1,949.2 8,505.7 1,957.0 8,465.7 1,873.0 8,663.5 8,664.9 1.62% 8,820.6 8,821.6 1.40% 9,186.9 1.19% 0.32% 1.14% 0.27% 1.13% 0.16% 1.06% 0.14% 1.08% 0.10% 0.09% 0.06% Borrow money ed Borrow money ed SecuritiesDeposits 1,597.1 1,611.7 1,608.7 1,627.5 1,661.8 8,264.3 1,672.0 8,250.7 1,642.9 8,471.0 8,462.7 1.16% 8,624.3 8,634.4 0.99% 9,018.9 1.05% 0.25% 0.98% 0.22% 0.99% 0.15% 0.91% 0.13% 0.95% 0.09% 0.08% 0.06% Loans and bills discounted Loans and bills discounted Working Assets and Liabilities 全体 国内業務部門 Interest-bearing assets Interest-bearing liabilities Interest-bearing assets Interest-bearing liabilities Interest-bearing (\Bil.)

Appendix-17 1,006.9 1,105.3 1,134.0 1,075.9 1,082.2 1,107.0 1,127.4 1,213.4 1,324.2 1,275.3 1,335.4 1,407.6 1,583.4 1,564.1 1,674.3 1,657.9 1,685.0 1,767.1 1,831.4 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 164.6 161.8 167.9 164.7 174.9 180.9 183.3 184.4 183.9535.0 174.9 617.5 176.0 636.0 169.5 496.7 168.9 495.7 419.5 400.1 254.6 309.4994.7 279.9 289.0 281.5 310.4 5,791.3 6,147.8 6,347.0 6,377.1 6,531.7 6,629.9 6,832.1 6,945.3 7,108.7 7,115.8 7,192.9 7,321.1 7,461.5 4,561.8 4,776.4 4,861.1 5,025.6 5,100.22,634.5 5,201.8 2,759.2 5,241.7 2,812.2 5,400.9 2,885.5 5,481.3 2,922.8 5,585.0 2,964.3 5,645.5 2,955.4 5,762.9 3,023.8 5,854.6 3,026.0 3,034.4 3,048.6 3,119.3 3,179.1 5,791.3 6,147.8 6,347.0 6,377.1 6,531.74,796.5 6,629.9 4,934.3 6,832.1 5,022.8 6,945.3 5,101.7 7,108.7 5,196.2 7,115.8 5,222.3 7,192.9 5,248.7 7,321.1 5,381.1 7,461.5 5,434.4 5,457.8 5,507.8 5,554.0 5,630.1 * Housing loans 1,803.1 1,892.7 1,927.0 2,022.1 2,060.6 2,124.0 2,174.6 2,267.5 2,347.7 2,444.9 2,494.9 2,545.6 2,580.8 Domestic Loans – Balance Comsumer loans 1,927.2 2,017.1 2,048.8 2,140.0 2,177.4 2,237.5 2,286.2 2,377.0 2,455.2 2,550.5 2,596.9 2,643.5 2,675.5 Small and medium- sized companies Large companiesLarge Mid-sized 529.8companies 592.0 and medium- Small 681.9sized etc. companies, 690.0 760.8 827.6 Public sector sole proprietors *Including Chiba Prefecture Others Domestic loans Domestic loans Appendix-18 9.2% 9.6%2.8% 10.7% 10.8% 2.6% 11.6% 2.7% 12.5% 14.7% 2.6% 15.9% 2.7% 15.9% 15.1% 2.7% 15.0% 2.7% 15.1% 15.1% 2.6%9.2% 2.6% 10.1% 10.0% 2.5% 7.8% 2.5% 7.6% 2.3% 6.3% 2.3% 5.9% 3.7% 4.4% 3.9% 4.0% 3.9% 4.1% 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 78.8% 77.7% 76.6%45.5% 78.8% 44.9% 78.1% 44.3% 78.5% 45.2% 76.7% 44.8% 77.8% 44.7% 77.1% 43.2% 78.5% 43.6% 78.5% 42.6% 78.7% 42.7% 78.5% 42.4% 42.6% 42.6% 33.3% 32.8% 32.3%31.1% 33.6% 30.8% 33.3% 30.4% 33.8% 31.7% 33.5% 31.5% 34.2% 32.0% 34.5% 31.8% 35.8% 32.6% 36.1% 33.0% 36.1% 34.4% 35.9% 34.7% 34.8%82.8% 34.6% 80.3% 79.1%17.2% 80.0% 19.7% 79.6% 20.9% 78.8% 20.0% 76.8% 20.4% 77.5% 21.2% 76.4% 23.2% 76.7% 22.5% 76.6% 23.6% 75.9% 23.3% 75.5% 23.4% 24.1% 24.5% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% s Housing loans Domestic Loans - Proportion Consumer loans Small and medium- Small companies* sized Large companies companie Mid-sized and medium- Small etc. companies, sized Public sector sole proprietors *Including Chiba Prefecture Others Domestic loans Domestic loans Domestic (\Bil.) (\Bil.)

100.00% 100.00%

Appendix-19 7,461.5 1,541.8 1,719.3 23.04% 100.00% 100.00% 1,541.8 20.66% 1,321.2 17.71% 220.6 2.95% 177.4 2.38% 1,321.2 85.69% 92.3 5.99% 39.2 2.55% 468.3 6.28% 1,017.5 65.99% 703.6 9.43% 7.8 0.11% 0.8 0.01% 220.6 14.31% 40.9 2.65% 241.5 3.24% 2,688.4 36.03% 211.3 13.71% 15.3 0.21% 140.4 9.11% 293.6 3.93% 20.1 0.27% 46.4 0.62% 223.3 2.99% 701.3 9.40% 331.1 4.44% 7,321.1 1,512.9 1,512.9 20.66% 100.00% 100.00% 1,290.5 17.62% 222.3 3.04% 163.8 2.24% 1,290.5 85.30% 104.7 6.92% 41.0 2.71% 456.4 6.24% 982.7 64.96% 700.7 9.57% 7.9 0.11% 0.9 0.01% 222.3 14.70% 50.0 3.31% 202.2 2.76% 2,657.1 36.30% 203.0 13.42% 15.9 0.22% 131.3 8.68% 296.2 4.05% 18.9 0.26% 44.1 0.60% 215.9 2.95% 692.8 9.46% 334.8 4.57% 1,676.7 22.90% 7,192.9 1,488.9 ～ ～ 1,488.9 20.70% 1,254.7 17.44% 100.00% 100.00% 234.1 3.26% 157.6 2.19% 1,254.7 84.27% 121.5 8.16% 39.6 2.67% 456.1 6.34% 927.3 62.28% 688.4 9.57% 7.9 0.11% 1.1 0.01% 234.1 15.73% 61.0 4.10% 214.4 2.98% 2,611.3 36.30% 205.8 13.83% 16.9 0.24% 133.4 8.96% 299.8 4.17% 20.5 0.29% 42.6 0.59% 196.8 2.74% 662.1 9.21% 327.7 4.56% 1,646.6 22.89% 09/9 09/9 7,115.8 1,456.6 1,456.6 20.47% 1,216.4 17.10% 100.00% 100.00% 240.1 3.37% 161.6 2.27% 1,216.4 83.51% 80.3 5.52% 41.0 2.82% 446.7 6.28% 891.9 61.23% 701.7 9.86% 7.9 0.11% 1.2 0.02% 240.1 16.49% 70.7 4.86% 191.3 2.69% 2,564.9 36.05% 244.1 16.76% 15.4 0.22% 128.3 8.81% 314.1 4.41% 20.2 0.28% 39.8 0.56% 206.1 2.90% 655.9 9.22% 331.7 4.66% 1,618.2 22.74% Proportion Proportion Proportion Proportion Proportion Proportion Proportion Proportion Proportion Proportion 6.5 0.09% 1.2 0.02% 15.7 0.22% 09/9 10/3 10/9 11/3 11/9 260.4 3.66% 169.5 2.39% 451.9 6.36% 727.4 10.23% 260.4 18.07% 213.8 3.01% 324.0 4.56% 206.2 2.90% 675.4 9.50% 338.0 4.75% 09/9 10/3 10/9 11/3 11/9 1,441.2 20.27% 1,180.8 16.61% 1,441.2 2,473.0 34.79% 7,108.7 1,610.8 22.66% d Industrial Classification. Domestic Operations Domestic Operations Real estate rentaland management Real estate trading,etc. partment and condominium rentals revision of Standardize Japan revision Real Estate Leasing A etc management, estate and Real Land rental Home construction and development etc and Land trading, brokerage estate Real Public corporations Office and Commercial rentals Details of Loans to the Real Estate Industry Details of Loans to the Real Estate Industry 業種別貸出残高（国内店分） <不動産業向け> Manufacturing Real Estate Trading, etc Total Electricity, Gas, Heat Supply and Water InformationCommunications and Medical, welfare services other and sector public local Government, Others (mainly consumer loans) Real Estate Rental and Management Agriculture and Forestry Agriculture and Fishery Mining, quarry inggravel and Total Construction Transport and postal serv ice Wholesale retail and trade Finance and Insurance Real Estate and leasing (\Bil.) (\Bil.)

1,180.8 81.93% Proportion Proportion 80.1 5.56% 41.4 2.88% 852.7 59.17%

75.9 5.27%

247.9 17.20%

143.0 9.92%

22.2 0.31% 42.2 0.60%

82.9 5.75% 49.9 3.46% 85.2 5.91% 25.1 0.36% 16.0 0.23% 37.3 0.54% 620.4 8.94% 146.4 2.11% 809.1 56.09% 716.0 10.31% 300.1 20.81% 250.3 17.35% 338.3 4.87% 165.0 11.44% 208.4 3.00% 660.6 9.51% 339.7 4.89% 300.1 4.32% 09/3 09/3 2,394.0 34.47% 6,945.3 100.00% 1,142.4 79.19% 1,442.6 100.00% 1,442.6 20.77% 1,142.4 16.45% ce September 2009 because of the 09/3 09/3 ～ ～ Apartment and condominium rentals Real estate brokerage and Land trading, etc and Land trading, brokerage estate Real Public corporations Office and Commercial rentals Home construction and dev elopment Real Estate Rental and Management Real Estate Trading, etc Land rental and Real estate management, etc griculture, Forestry, Fishery and Mining Various Services Total 業種別貸出残高（国内店分） Manufacturing A <不動産業向け> Real Estate Trading, etc Electricity, Gas, Heat Supply Water and InformationCommunications and Gov ernment and Local Public Sector Others (Mainly Consumer Loans) Real Estate Rental and Management Construction Total Transport Wholesale and Retail Trade Finance and Insurance Real Estate Loans, Borrowers Classified by Industry *Classification has changed sin *Classification *4 *2 *3 *6 *5 ） ）

Appendix-20 RACC RACC （ （ (Proportion) guarantee fee Capital cost Capital Credit cost Credit Funding cost Actual yield of lending of yield Actual Average balance loans Housing and consumer loans only) loans and consumer Housing （ Insurance premium and Return After capital cost Return After capital cost 0.50% 3.85% 1.36% 1.18% 0.29% 3.85% ） 1% （ 0.1 trillion 7.19% Consumer Loans *1 ） ） 34% 0.17% 0.14% 0.25% 0.66% 0.64% ） 0.64% （ 2.5 trillion Housing Loans 1-tax rate 1-tax ÷（ 1.85% (1st half of FY11 ） (Capital Cost) Return After Capital Cost Capital After Return Return After Capital Cost Capital After Return ％ balance 5.1 × × LGD × base) base) Ⅱ ） EL=PD （ 43% 0.44% 0.68% 0.51% 0.24% （ 0.24% 3.2 trillion UL:Basel （ Average balance Average × ional allowance. Small and medium-sized companies 0.08% 0.08% △ 1.87% △ Segmented by Internal management base. Housing loans are before securitization and consumer loans do not include credit cards. credit include do not loans consumer and securitization before loans are Housing base. management Internal by Segmented ： Internal transfer rate rate transfer Internal Unexpected loss as of 11/9 11/9 of as loss Unexpected ： ： ） Internally used not used Internally ： 0.22% 0.25% 0.41% 18% （ 1.3trillion enterprises Large & midsized Profit Structure of Loans *6.Capital cost *4.Insurance premium and guarantee fee: Actual expenditure. Only expenditure. Actual fee: guarantee and included. premium are *4.Insurance companies guarantee external for fees guarantee *5.Credit cost *1.Before deducting operating costs operating deducting *1.Before balance *2.Average cost *3.Funding 0.79% (\Bil.) (\Bil.)

Appendix-21 7.49.97.67.57.06.56.55.04.94.94.14.74.2 9.3 8.9 8.6 10.9 12.7 8.1 8.1 8.5 7.6 7.3 9.8 10.1 7.8 0.50.30.50.50.60.40.40.71.31.51.11.40.5 3.73.53.13.43.23.13.12.92.72.93.02.42.3 4.04.14.24.34.34.14.22.52.82.83.13.44.7 9.10.00.00.00.00.00.00.00.00.00.00.00.00.0 0.00.00.00.00.00.00.00.00.00.00.00.00.0 7.1 8.3 7.6 8.5 9.8 8.3 9.3 9.4 9.7 11.8 10.8 12.7 33.0 41.3 84.3 59.5 36.7 44.9 36.7 77.8 28.1 42.1 30.4 42.8 34.4 28.9 37.2 80.1 55.2 32.3 40.8 32.4 75.2 25.3 39.3 27.3 39.4 29.7 36.3 23.6 40.3 26.0 49.4 27.7 54.6 22.1 78.3 26.6 28.5 21.2 26.4 77.968.8 61.6 54.5 57.5 49.2 48.0 40.3 46.5 38.0 53.7 43.9 53.1 44.7 63.4 54.1 65.6 56.1 68.5 58.8 74.1 62.3 73.1 62.2 74.1 61.4 219.0 230.9 271.6 234.8 232.6 261.2 239.4 291.9 294.1 260.8 254.2 267.8 278.1 361.9 420.3 311.4 441.9 308.8 342.0 292.4 304.6 350.0 446.9 310.0 533.6 348.7 192.4 211.8 192.6 204.5180.6 184.5904.3 197.9325.5 175.9 876.1 181.2 396.7 169.4315.6 934.8 193.1 271.1 177.8 383.6 983.0 173.4 415.9 162.9 259.2 908.7 165.7 259.4 176.2 402.9 868.4 159.2 314.2 168.3 247.9 853.2 169.0 237.8 175.1 301.7 834.1 153.7 282.5 165.6 229.3 874.1 166.8 271.7 269.7 835.4 160.0 420.3 258.6 901.2 166.5 281.5 404.2 866.5 158.5 512.3 266.9 932.4 322.3 497.3 309.5 285.1 301.9 311.7 321.8 365.5 367.1 376.2 365.0 354.5 352.5 348.4 356.2 367.6 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 7,596.65,760.6 7,799.01,441.0 5,882.7 7,815.2 1,454.5 5,951.3 8,146.9 1,468.0 6,107.2 8,077.1 1,538.2 6,224.9 8,222.6 1,506.5 6,367.8 8,293.8 1,467.7 6,489.4 8,405.7 1,475.1 6,594.0 8,519.4 1,429.1 6,693.8 8,663.4 1,447.3 6,762.2 8,660.1 1,412.0 6,846.5 9,023.7 1,473.1 6,999.2 9,016.2 1,447.9 7,107.9 1,525.0 7,596.67,377.6 7,799.0 7,568.0 7,815.2 7,543.5 8,146.9 7,912.0 8,077.1 7,844.4 8,222.6 7,961.3 8,293.8 8,054.3 8,405.7 8,113.7 8,519.4 8,225.3 8,663.4 8,402.5 8,660.1 8,405.8 9,023.7 8,755.8 9,016.2 8,738.1 4,742.4 4,984.54,147.5 4,941.53,241.2 4,357.9 5,208.9 3,405.5 4,341.7 4,970.52,918.1 3,442.8 4,631.1 5,035.21,146.6 3,089.0 3,529.6 4,429.9 4,954.0 1,144.9 3,138.9 3,546.5 4,490.7 5,057.4 1,147.4 3,234.1 3,589.8 4,414.8 5,056.2 1,208.1 3,260.5 3,593.5 4,494.3 5,263.9 1,132.0 3,312.4 3,645.2 4,559.3 5,226.1 1,090.3 3,324.0 3,676.1 4,748.6 5,583.0 1,090.1 3,381.9 3,754.8 4,733.5 5,541.1 1,054.4 3,418.8 3,804.5 5,077.2 1,083.0 3,501.5 3,950.4 5,047.2 1,049.4 3,555.4 4,044.3 1,112.7 3,703.1 1,080.8 3,797.3 1,144.6 2,776.12,450.6 2,752.3 2,422.6 2,815.6 2,459.3 2,889.4 2,537.2 3,059.5 2,640.3 3,133.1 2,734.1 3,286.2 2,851.1 3,284.4 2,894.6 3,397.2 2,961.6 3,330.5 2,948.4 3,359.7 2,979.6 3,367.4 2,986.5 3,400.8 3,002.1 Savings Current Savings Savings Current Savings Current Current Current Savings Financial institutions (incl. BOJ) (incl. institutions Financial Personal quasi-sovereign) Corporate (incl. government local & National National & local government local & National BOJ) (incl. institutions Financial Personal quasi-sovereign) Corporate (incl. National & local government local & National BOJ) (incl. institutions Financial Personal quasi-sovereign) Corporate (incl. Personal quasi-sovereign) Corporate (incl. government local & National BOJ) (incl. institutions Financial Chiba Prefecture Chiba Others Liquid deposits Liquid Time deposits Time Foreign-currency deposits Domestic Deposits - Balance Domestic deposits Domestic deposits Domestic Appendix-22 0.0% 0.0%2.4% 0.0% 2.5% 0.0% 2.3% 0.0% 2.4% 0.0% 2.1% 0.0% 2.0% 0.0% 1.9% 0.0% 2.0% 0.0% 1.8% 0.0% 1.9% 0.0% 1.8% 0.0% 1.8% 1.8% 4.8%0.4% 5.4% 0.5%2.5% 4.0% 1.1% 2.7% 5.4% 0.7% 2.5% 3.8% 0.5% 2.5% 4.2% 0.5% 2.3% 3.5% 0.4% 2.1%4.3% 3.6%0.0% 0.9% 2.0% 5.1% 4.1%4.2% 0.0% 0.3%0.4% 2.1% 3.5% 5.2% 4.9%0.1% 0.0% 0.5% 0.5% 1.9% 5.1% 3.6%0.1% 3.3% 0.1% 0.0% 0.3% 1.0% 2.0% 3.2% 5.9% 0.1% 4.9% 0.1% 0.0% 0.5% 0.7% 1.9% 3.8%3.7% 3.9% 0.1% 3.1% 0.1% 0.0%0.5% 0.4% 0.4% 1.9% 2.9% 3.9% 0.1% 3.7%0.1% 0.1% 0.0% 0.3% 0.5%1.0% 1.8% 3.3% 4.0% 0.2% 2.8% 0.0% 0.1%0.9% 0.0% 0.5% 0.4% 0.8% 3.2% 4.0% 0.1%0.1% 3.2% 0.0% 0.1% 0.7% 0.0% 0.3%0.0% 0.9% 0.8% 4.9% 4.5% 0.1% 0.1% 3.0% 0.1%0.0% 0.1% 0.7% 0.0% 0.6% 0.0% 0.3% 0.6% 3.3% 4.5% 0.1% 0.1% 4.7% 0.1% 0.0% 0.1% 0.5% 0.0% 0.3% 0.0% 0.5% 0.6% 5.7% 4.5% 0.1% 0.1% 3.1% 0.0% 0.0% 0.1% 0.5% 0.0% 0.7% 0.0% 0.3% 0.7% 3.6% 4.4% 0.1% 0.1% 5.5% 0.0% 0.0% 0.0% 0.6% 0.0% 0.3% 0.0% 0.4% 0.7% 4.2% 0.1% 0.1% 3.4% 0.0% 0.0% 0.1% 0.6% 0.9% 0.0% 0.3% 0.8% 4.1% 0.1% 0.1% 0.0% 0.0% 0.0% 0.7% 0.3% 0.0% 0.8% 4.0% 0.1% 0.1% 0.0% 0.0% 0.7% 0.3% 0.0% 0.8% 3.9% 0.1% 0.1% 0.0% 0.7% 0.2% 0.0% 0.9% 4.1% 0.1% 0.0% 0.0% 0.7% 0.3% 0.0% 0.8% 0.2% 0.0% 0.0% 0.7% 0.0% 0.8% 0.1% 0.0% 0.7% 0.0% 0.1% 0.0% 0.0% 0.0% 2.9% 3.0% 3.5% 2.9% 2.9% 3.2% 2.9% 3.5% 3.5% 3.0% 2.9% 3.0% 3.1% 75.8%19.0% 75.4% 18.7% 76.1% 18.8% 75.0% 18.9% 77.1% 18.6% 77.4%42.6% 17.9% 78.3% 43.6% 17.8% 78.5%38.4% 44.0% 17.0%15.1% 78.6% 39.6% 43.3% 17.0% 14.7% 78.0% 40.2%11.9% 43.9% 16.3% 14.7% 79.1% 39.7% 11.2% 43.7% 17.0% 14.8% 77.6% 40.4% 12.0% 43.3% 16.0% 14.0% 78.8% 40.3% 12.1% 43.4% 16.9% 13.2% 40.1% 11.3% 43.1% 13.1% 40.2% 10.6% 43.3% 12.5% 40.1% 10.3% 43.9%32.3% 12.7% 40.4% 43.8% 9.9% 31.1% 12.1% 41.1% 44.9% 10.3% 31.5% 12.8% 41.0% 31.1% 12.0% 9.6% 42.1% 32.7% 12.7% 10.4% 33.3% 9.6% 34.4% 10.3% 34.4% 34.8% 34.0% 34.4% 33.1% 33.3% 62.4% 63.9%54.6% 63.2% 55.9% 63.9% 55.6% 61.5% 56.8% 61.2% 54.8% 59.7% 54.6% 60.1% 53.2% 59.3% 53.5% 60.8% 53.5% 60.3% 54.8% 61.9% 54.7%36.6% 61.5% 56.3% 35.3% 56.0% 36.0% 35.5% 37.9% 38.1% 39.6% 39.1% 39.9% 38.4% 38.8% 37.3% 37.7% 97.1% 97.0% 96.5% 97.1% 97.1% 96.8% 97.1% 96.5% 96.5% 97.0% 97.1% 97.0% 96.9% 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% Current Savings Current Savings Current Savings Current Savings Current Savings Personal Corporate (incl. quasi-sv ereign) National & local government Financial institutions (incl. BOJ) Personal Corporate (incl. quasi-sov ereign) National & local government Financial institutions (incl. BOJ) Personal Corporate (incl. quasi-sov ereign) National & local government Financial institutions (incl. BOJ) Personal Corporate (incl. quasi-sov ereign) National & local government Financial institutions (incl. BOJ) Domestic Deposits - Proportion Liquid deposits Liquid deposits Time Foreign-currency deposits Others Chiba Prefecture Domestic deposits Domestic deposits Domestic 434 859 salary transfersalary salary transfersalary 1,293 - - Accounts with Accounts Accounts with Accounts pension transfer pension pension transfer pension Appendix-23 - - Accounts with Accounts Accounts with Accounts auto auto auto auto 425 855 1,281 pension transfer transfer pension pension transfer 407 852 - - 1,260 salary transfer salary salary transfer salary - - 384 854 1,238 and auto and auto 365 850 Accounts with auto Accounts with Accounts with auto Accounts with 1,216 347 830 07/3 08/3 09/3 10/3 11/3 11/9 1,178 900 600 300 1,200 Accounts) (Thousand

(¥Bil.) 4,000 3,500 3,000 2,500 2,000 3,725.1 7,107.9 3,648.9 salary transfersalary salary transfersalary - - 6,999.2 pension transfer and transfer pension pension transfer and transfer pension - - auto auto Balance of accounts with accounts of Balance Balance of accounts with accounts of Balance auto auto 3,484.6 6,762.2 3,325.1 6,594.0 Personal deposits Personal deposits 3,170.5 6,367.8 2,972.8 07/3 08/3 09/3 10/3 11/3 11/9 6,107.2 Expansion of Personal Deposits (¥Bil.) 7,000 6,500 6,000 5,500 5,000 4,500 4,000 (\Bil.) (\Bil.) (\Bil.) (\Bil.)

Appendix-24 - 0.3 1.3 2.2 3.2 5.1 6.8 8.0 10.9 58.1 116.6 162.1 219.7 9.1 7.1 8.3 7.6 8.5 9.8 8.3 9.3 9.4 9.7 11.8 10.8 12.7 26.5 19.0 19.824.0 15.5 16.9 15.0 17.8 14.0 13.6 13.5 13.2 9.5 12.4 12.0 9.1 8.1 8.391.7 122.3 7.7 7.9 151.1 177.9 7.1 7.4 215.9 248.1 6.7 7.2 296.1 324.8 6.3 362.0 375.6 6.0 389.6 392.8 395.8 77.968.8 61.6 54.5 57.5 49.2 48.0 40.3 46.5 38.0 53.7 43.9 53.1 44.7 63.4 54.1 65.6 56.1 68.5 58.8 74.1 62.3 73.1 62.2 74.1 61.4 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/305/9 09/9 06/3 10/3 06/9 10/9 07/3 11/3 07/9 11/9 05/9 08/3 06/3 08/9 06/9 09/3 07/3 09/9 07/9 10/3 08/3 10/905/9 08/9 11/3 06/3 09/3 11/9 06/9 09/9 07/3 10/3 07/9 10/9 08/3 11/3 08/9 11/9 09/3 09/9 10/3 10/9 11/3 11/9 411.4 444.1 510.2384.9 576.1 425.0403.0 625.0 490.4 435.7 554.5 560.5 501.7 534.6378.9 610.0 566.4 413.5 418.7 540.4 615.0 480.8 483.8 521.0 544.2 505.7 552.7 403.9 524.2 468.4 601.8 471.6 405.1 461.9 531.8 497.4 471.7 399.6 512.2 460.4 496.2 396.9 454.5 460.2 463.9 392.3 454.2 489.0278.3 392.2 453.4 312.7 447.9 343.4186.5 386.1 371.7 190.1 411.3 190.9 446.6 191.5 498.3 192.1 529.8184.3 193.3 578.6 194.6 195.3154.0 653.6 213.5 196.9 167.4 729.9 188.1 205.6 173.9 786.7 202.8 219.8 160.9 855.8 204.9 223.5 171.3 224.5 231.7 177.1 218.1 240.3 188.4 227.0 193.4 225.3 198.9 232.6 202.4 221.9 200.9 226.5 196.6 193.6 Bond funds funds Stock Bond funds funds Stock Financial Products Fixed Personal Investors Variable Whole Life Insurance Personal Personal Corporate Investment trusts Foreign-currency deposits Personal annuities* *Totals are an accumulation from October 2002. Public bonds 1% (\Bil.) (\Bil.)

Appendix-25 consolidated) consolidated) - - consolidated) consolidated) - - ncial Reconstruction Law (Non ncial Reconstruction ncial Reconstruction Law (Non ncial Reconstruction Assessment Results (Non Assessment Results Assessment Results (Non Assessment Results - - Self Self 26.8 25.3 28.0 27.0 27.0 29.3 35.3 35.9 33.3 28.9 22.9 19.2 20.4 26.8 25.3 28.0 27.0 27.0 29.3 35.3 35.9 33.3 28.9 22.9 19.2 20.4 4.26% 3.60% 3.31% 3.08% 2.77% 2.73% 2.73% 2.12% 2.16% 1.96% 1.91% 1.94% 1.9 922.3 946.4 1,006.6 990.5 1,038.2 1,036.6 1,126.8 1,157.4 1,240.8 1,284.0 1,307.2 1,308.6 1,364.4 779.5 816.0 882.5 873.8 933.7 922.0 1,004.9 1,088.8 1,162.1 1,216.2 1,240.1 1,239.3 1,296.1 252.3 226.4 215.6111.7 202.3113.7 90.3 185.9 110.6 186.6 82.3 105.2 193.0 77.1 98.1 152.2 71.4 158.0 87.4 65.4 143.1 91.8 140.5 60.0 97.6 145.8 61.2 145.7 55.0 65.6 59.1 60.6 53.5 62.5 55.0 68.1 58.4 68.3 56.9 05/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/305/9 11/9 06/3 06/9 07/3 07/9 08/3 08/9 09/3 09/9 10/3 10/9 11/3 11/9 1,060.9 1,062.2 1,117.0 1,094.6 1,136.8 1,131.5 1,222.2 1,254.6 1,339.7 1,373.5 1,392.7 1,396.0 1,453.2 4,854.7 5,224.7 5,391.15,915.7 5,460.1 6,286.9 5,573.2 6,508.1 5,696.0 6,554.8 5,829.4 6,710.0 5,903.4 6,827.5 5,955.5 7,051.6 5,906.5 7,158.1 5,965.2 7,295.3 6,098.9 7,280.1 6,173.6 7,357.9 7,494.9 7,626.9 5,663.3 6,060.5 6,292.55,915.7 6,352.4 6,286.9 6,524.0 6,508.1 6,640.9 6,554.8 6,858.6 6,710.0 7,005.8 6,827.5 7,137.2 7,051.6 7,137.0 7,158.1 7,217.3 7,295.3 7,349.0 7,280.1 7,481.1 7,357.9 7,494.9 7,626.9 Disclosed Claims under the Fina Disclosed Claims Disclosed Claims under the Fina Disclosed Claims Substandard Assets 142.8 130.4 124.0 116.6 104.4 114.6 121.8 68.6 78.6 67.7 67.0 69.2 68.3 Other Assets Requiring Caution Potentially Bankrupt AssetsPotentially 111.7 90.3 82.3 77.1 71.4 65.4 60.0 61.2 65.6 60.6 62.5 68.1 68.3 Asset Caution Requiring Doubtful Claims Substandard Claims Bankrupt and Effectively Bankrupt Assets Bankrupt and Substantially Bankrupt Claims Loans Disclosed under Self-Assessment and the Financial Reconstruction Law *Including loans with no debtor classification. no debtor with loans *Including Asset or w Caution Requiring orse Normal Assets Normal Total Normal Claims Total Proportion to total claims Disclosed Claimsunder theFinancial Reconstruction Law ） ¥Bil. （ Repayment Appendix-26 77.4 ） 76.1 3.3 11/9 → [55.8] Assets Caution Normal 11/3 Requiring （ Downgraded 18.1 1H of FY11 167.6 56.5 New New Made Loans Repayment 159.8 ） 5.5 113.0 11/3 → [24.5] Assets FY10 Caution Normal 10/3 Requiring （ Downgraded 29.2 258.6 62.5 (including Substandard loans) New New Made Loans Analysis of yearly net change of Assets Requiring Caution of Assets Requiring change Analysis of yearly net Analysis of yearly net change Assets Requiring Caution Repayment 154.3 ） 82.7 6.1 10/3 → Assets FY09 Caution [126.5] Normal 09/3 Requiring （ 28.2 Downgraded 331.4 54.2 Factors for Fluctuations in Assets Requiring Caution New New Made Loans 200 100 0 (Cases) 36 0.3

Appendix-27 56 0.8 72 1.6 76 1.1 62 1.3 99 1.0 91 0.6 112 1.3 102 1.4 80 (Included in the left-hand chart) 1.7 Recoveries through Auctions Recoveries through Auctions 60 0.9 78 0.8 Amount of recoveries of Amount Amount of recoveries of Amount Number ofrecoveries Number ofrecoveries 51 0.6 2H/04 1H/05 2H/05 1H/06 2H/06 1H/07 2H/07 1H/08 2H/08 1H/09 2H/09 1H/10 2H/10 1H/11 105 1.7 8 6 4 2 0 16 14 12 10 (¥Bil.) 500 400 300 200 100 0 -100 (Cases) 102 2.5 150 3.1 218 5.4 164 4.9 161 4.4 199 8.0 193 5.2 194 5.5 193 6.0 195 5.9 Recoveries through Sales Recoveries through Sales 183 4.7 Amount of recoveries of Amount Amount of recoveries of Amount Number ofrecoveries Number ofrecoveries 209 7.3 186 4.9 2H/04 1H/05 2H/05 1H/06 2H/06 1H/07 2H/07 1H/08 2H/08 1H/09 2H/09 1H/10 2H/10 1H/11 Disposal of Collateral 242 6.2 5 0 20 15 10 (¥Bil.) Appendix-28 . (based on legal disclosure) . (based on legal disclosure) 1 3 12 37 43 58 67 11 28 50 72 106 128 258 3240 68 67 97 195 113 666 130 749 152 917 166 1,031 331196 630 304 877 2,194 1,195 3,054 1,515 3,662 1,759 4,481 1,960 7,443 543353157 1,006 755 1,378 180 1,140 1,654 129 1,411 1,968 1,697 93 2,228 1,940 98 2,450 2,167 78 50 479 1,025 1,424 1,684 1,950 2,257 2,409 Requests torevise loan terms, etc Requests torevise loan terms, etc 6,1454,518 10,9291,285 8,649 15,576 1,622 13,458 20,5567,943 1,191 17,705 25,727 13,485 1,584 22,679 30,984 19,394 27,516 1,427 35,628 29,558 32,147 1,581 37,974 1,263 46,136 52,348 8,3275,580 14,8872,227 11,296 20,536 2,497 17,125 24,681 20,878 1,790 29,385 25,450 1,451 33,359 28,857 1,235 36,687 32,588 1,327 658 33,989 44,288 34,490 40,964 40,696 42,827 40,521 166,499124,369 305,107 247,029 437,529 381,450 579,852 506,275 727,827 645,493 875,726 782,281 1,021,922 921,609 10/3 10/6 10/9 10/1210/3 11/3 10/6 11/6 10/9 11/9 10/12 11/3 11/6 11/9 ） ） Mil. Mil. \ \ （ （ ※Figures after※Figures decimalthe point omittedare Withdrawn Revised Refused Under evaluation Withdrawn Revised Refused Under evaluation Withdrawn Revised Refused Under evaluation Withdrawn Revised Refused Under evaluation Efforts to Facilitate Financing Cases Amount Cases Amount Small medium-sizedand enterprises Housing loan borrowers Appendix-29 64.6 70.6 86.6 88.0 94.164.8 96.3 70.8 85.2 86.7 80.1 88.1 94.3 96.4 85.6 80.2 579.7507.8 547.3 500.3 565.2291.6 488.9 599.6 300.4 529.7 611.8 305.8 543.1 614.8 307.7617.7 549.6542.6 619.9 306.9 586.4 557.1 536.7 619.9 304.7 604.4 560.9 315.6 525.2 300.1 641.3 323.7 567.9 293.7 653.8 327.5 581.9 658.9 329.0 590.3 665.2 327.9 599.4 667.3 325.0 604.9 320.5 314.3 11.72%10.26% 10.74% 9.82% 11.12% 9.62% 12.02% 10.61% 12.14% 10.78% 12.83% 11.47% 12.76% 11.46%12.20% 13.51% 10.72% 12.22% 11.31% 10.35% 11.70% 10.17% 12.71% 11.25% 12.80% 11.39% 13.55% 12.14% 13.37% 12.05% 14.13% 12.81% 4,946.34,590.0 5,092.7 4,721.7 5,082.7 4,690.2 4,988.2 4,592.4 5,038.8 4,637.6 4,791.0 4,390.0 4,858.3 4,473.05,060.2 4,587.4 4,665.3 4,213.4 5,182.1 4,787.5 5,162.3 4,747.9 5,045.0 4,627.8 5,106.1 4,683.9 4,860.3 4,438.8 4,972.4 4,566.3 4,721.2 4,264.7 08/3 08/9 09/3 09/9 10/3 10/908/3 11/3 08/9 11/9 09/3 09/9 10/3 10/9 11/3 11/9 (\Bil.) (\Bil.) (\Bil.) (\Bil.) Capital Ratio Tier 1 capital ratio 1 Tier risk Credit risk Market Operational risk Tier 1 capital ratio 1 Tier risk Credit risk Market Operational risk Non-Consolidated ratio Capital Capital assets Risk Consolidated ratio Capital Capital assets Risk ...... bil bil bil bil bil bil bil bil 7.4 0.3 9.0 ALM 7.4 0.3 9.0 ALM Other 60.8 Other 60.8 stocks etc) stocks etc) ¥ ¥ ¥ ¥ ¥ ¥ ¥ ¥ (Strategic holdings of holdings (Strategic (Strategic holdings of holdings (Strategic

by internal sector internal by Appendix-30 Treasury business Treasury Treasury business Treasury Domestic business Domestic business Earnings Projections Earnings ...... bil bil bil bil bil bil bil bil bil bil ALM ALM Other Other stocks etc) stocks etc) 209.6 193.7 218.9 132.9 209.6 193.7 218.9 132.9 144.1 144.1 Integrated Integrated Integrated Integrated ¥ ¥ ¥ ¥ ¥ ¥ ¥ ¥ ¥ ¥ management management (Totally managed) (Totally (Totally managed) (Totally by internal sector (Strategic holdings of holdings (Strategic (Strategic holdings of holdings (Strategic Treasury business Treasury business Domestic business Domestic business Risk capital allocated allocated capital Risk ...... bil bil bil bil bil bil 25.0 25.0 265.0 190.0 265.0 190.0 ¥ ¥ ¥ ¥ ¥ ¥ Credit risk Credit risk by risk category Market risk Market risk Operational risk Operational Operational risk Operational Risk capital allocated allocated capital Risk ※ ※ . . bil bil allocation Capital for 495.0 495.0 ¥ ¥ Core Tier 1 Core Tier 1 Risk capital allocation for second half of FY11 allocation Risk capital Risk capital allocation for second half of FY11 for second allocation Risk capital ※ . ※ . . . bil bil bil bil 55.0 55.0 ¥ ¥ Tier 1 Tier 1 550.0 550.0 Tax effect, etc. Tax effect, etc. ¥ ¥ *Amount forecasted at allocation. of capital] of ％ 20 Ⅱ s + Lossess + on sales ＜ ff ① bil \9.1 ②bil. \644.3 ①/② 1.4% Holding period 1year Tier1 excluding tax effect, etc.) effect, tax Tier1 excluding ％ （ Risk Capital Allocation Risk Capital Allocation hanges in EL + Direct write o Direct write + inhanges EL C 99 percentile 99 percentile ： ： Capped with "Core Capital" "Core Capital" Capped with Confidence interval 99.9 UL + on sales gain/loss + gains in unrealized Changes + VaR Basel on approach The standardized of claimsof Outlier Standard (11/9) ＴｉｅｒⅡ + Confirmed [Interest rate risks business rate in banking [Interest Confirmed Interest rate shock Interest rate shock Credit risk risk Maket Opreational risk * * Risk Capital Allocation 9 Capital for Capital allocation riskIntegrated capital ＴｉｅｒⅠ Interest rate risks in banking business Outlier ratio Outlier Appendix-31 FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 FY04 FY05 FY06 FY07 FY08 FY09 FY10 FY11 fering and secondary distribution fering fering and secondary distribution fering ------0.1610.4860.0003.5610.2390.431-0.001------1,5412,8227074,509274736-313------1,627 2,9430.1641,594 1,389 0.4924,427 2,892 2,738 0.001 9,529 718 3.565 536 4,045 4,552 11,218 0.241 1,272 3,033 0.433 319 505 5,350 0.025 2,430 785 2,194 0.027 625 235 3,203 0.000 1,655 0.000 549 503 750 3,390 - 0 1,480 3,032 0.000 1,450 5,491 0 2,330 5,224 - 2,450 8,797 - 0.000 3,857 0 - - 0 - 60,070 115,102 68,975 171,360 68,794 155,053 83,442 141,846 50,878 105,452 61,587 112,728 53,619 113,527 62,251 (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) (1H) 190,110 383,971 212,927 599,031 188,228 432,018 196,401 340,768 128,566 227,427 128,820 224,145 85,192 194,677 63,880 1,015,317 1,832,497 767,236 2,510,7701,205,428 1,809,595 2,216,468 3,944,418 1,790,368 980,164 3,260,467 3,109,802 1,210,242 1,997,823 1,711,152 4,376,436 1,986,770 577,325 3,601,236 1,338,808 918,810 1,938,579 151,433 706,146 1,142,956 257,048 236,626 83,992 451,726 147,872 (\Mil.) (\Mil.) (Mil. Stocks/\Mil.)(Mil. od 3658144519321224610715263415 StocksBonds certificatesBeneficiary Stocks 217Bonds 1,528 467 3,023 361 1,660 229 822 4,735 17 384 1,395 462 3,016 79 1,163 207 1,372 827 57 520 2,382 1,345 100 135 918 418 467 1,678 33 698 1,027 292 68 1,762 424 480 25 666 979 135 1,471 575 39 199 498 1,191 33 88 699 107 149 144 4 315 25 260 444 30 199

Face amount of bonds of amount Face Commissions receivedCommissions 1,791 on trading gain Net 3,565 revenueFinancial 2,050 5,632 252 1,891 (-) trading to Related 472 expenses(-) Personal 4,236 108 268 2,222 199 3,775 305 1,105 630 109 1,359 2,116 611 170 2,422 1,129 251 295 540 1,467 2,461 158 665 2,775 320 1,133 291 1,275 2,330 355 525 2,713 180 1,175 706 168 1,221 2,238 315 337 311 996 108 669 235 1,882 216 311 470 896 81 628 1,742 267 161 311 893 476 1,785 605 80 231 901 311 143 599 62 281 Amount of stocks of Amount bonds of amount Face trusts foreign and CP stocks of Number stocks of Amount certificates beneficiary of amount Face trusts foreign and CP Number of stocks of Number secondary

Financial Information of Chibagin Securities

offering and offering

Profits and Losses future trading) (excluding of stocks Sales amount of The amount of underwriting, Underwriting The amount of underwriting, of The amount of underwriting, Profits and Losses future trading) (excluding of stocks Sales amount 1. 2. 3. of amount The 1. 2. 3. Financial expenses (-) 24473366386938592260274492610 expenses revenueOperating 2,152Financial 4,238 revenue operating Net (-)Expenses 2,427 6,514 profitOperating Ordinary profit 2,220 incomeNet 5,069 2,127 2,724 4,191 4,615 2,394 1,948 1,636 6,448 3,803 179 2,182 2,950 1,978 219 5,000 1,783 387 4,321 335 442 2,685 3,406 2,043 416 549 4,556 1,623 452 4,152 2,127 1,613 3,333 2,180 648 2,054 138 2,889 1,515 2,371 4,018 206 1,756 847 1,796 485 955 3,362 630 3,468 1,528 1,613 700 1,647 538 523 3,307 3,230 629 (183) 1,505 446 1,616 (110) (579) 3,254 (493) 54 108 1,605 141 (450) 131 175 225 (3) 252 28 52 (13) 56 (100) 28 (46) (55) (Principal trading) (Principal (Agency transaction) Total 09/10 set up. Appendix-32 Promotion Office Office Promotion ＣＳＲ ble regional growth. regional ble Nurturing the Future of “Business” Nurturing the Future of “Business” Heldthe “Second Chiba tourism business talkassociation” (10/12) Concluded a comprehensive agreement on industry-academicco-operation with Chiba Instituteof Technology (11/1) Heldthe “Chibagin Marche” (11/5) Started “timedeposit forsupporting in Chiba”tourism (11/6) “29 universities’ joint job hunting seminar” (11/6) “Agribusiness talkassociation” (11/7) of human resources „ „ „ „ „ „ Improving the development the development Improving Having all group employees in work unison to acquire the expertise and skills to be able to respond to customeraccurately needs. ) ～ sponsibility for sustaina sponsibility community CSR Policy CSR Policy Compliance ) ～ Contributing to the local to the local Contributing Working to contribute to “people,” “the environment” and “business” under our policy of “nurturing the future.” (social contribution activities) (social Participation in “UNEP FI” (10/7) Acquisition of electric car (11/3) Held the “Chibagin energy saving and ECO seminar” (11/9) Increasingbranchesa have which regard forthe environment, as such roof greenery and solar power. Preservationof “thethird Chibagin forest” Shirako-machi,in Chosei-gun (10/3 Expansion of loans for eco-housing (10/4 ing corporate social re ing corporate social NurturingFuture the of “the Environment” NurturingFuture the of “the Environment” Recent Social Contribution activities Recent Social Contribution Recent Social Contribution activities Recent Social Contribution „ „ „ „ „ „ Progress in customer satisfaction (Main business) (Main Strengthening financial financial Strengthening intermediation functions intermediation The Chiba Bank is actively promot Bank is actively The Chiba Offering smooth and expeditious Offering smooth and expeditious financing for the region through products and fit services that closely the region and through financial facilitation. Nurturing the Future of “People” Nurturing the Future of “People” Donation forRed Cross the Japanese Society, Chiba Chapter Chiba and Regional Welfare Foundation (10/11) EconomicQuiz Contest (10/12) Donation to the affected area of the Great East Japan Earthquake (11/3) Supporting a “Summer Camp for children” (11/8) area disaster from the Second subsidyallocation frompublic trust “ChibaginHeartful Welfare Fund” (11/8) CSR activities „ „ „ „ „ 1 1 7 8 15 15 ＋ ＋ ＋ ＋

＋ ＋ Appendix-33 26 22 Change from 05/3 11/9 3 2 11/9 Name of Bank Chiba Pref.Chiba Others 157 17 Total number of Chiba Bank outlets Total number of Chiba Bank outlets Total number of Chiba Chiba BankChiba Chiba Kogyo BankKeiyo Bank UFJ Tokyo-Mitusbishi of Bank Sumitomo Mitsui Banking Corporation 71 157 119 Mizuho BankMizuho Risona Bank 25 11 Number of Offices in Chiba Prefecture of Offices in Chiba Number Number of Offices in Chiba Prefecture of Offices in Chiba Number DomesticOverseas 174 3 0 Outlets 177 Money exchange counters Representative office s Branch Network (Domestic) Network s Branch s Branch Network (Domestic) Network s Branch ’ ’ Chiba Bank Chiba Bank Branch Network Appendix-34 issued total shares Percentage of （割合） 66,745 7.45% 49,631 5.54% 35,326 3.94% 29,905 3.33% 29,177 3.25% 25,678 2.86% 17,842 1.99% 15,579 1.73% 12,167 1.35% 10,046 1.12% Share-holdings Number of Units (1 unit = 1000 shares) Number of Units (1 unit = 1000 shares) Japan Trustee Services Bank, Ltd. (Trust Account) (Trust Ltd. Bank, Services Trustee Japan UFJ, Ltd. Tokyo-Mitsubishi of The Bank Limited Company, NIPPONKOA Insurance Company Insurance Life Nippon The InsuranceDai-ichi Life Company ,Limited COMPANY INSURANCE LIFE SUMITOMO M YasudaInsurance eiji Life Company Association Shareholding Employees' Bank Chiba The Keiyo Bank, Ltd. Japan Master TrustJapanAccount)Bank Master (Trust Ltd. Japan, of issued total shares total Percentage of 68,110 7.60% 47,967 5.35% 35,326 3.94% 29,905 3.33% 29,177 3.25% 25,678 2.86% 17,842 1.99% 15,579 1.73% 11,943 1.33% 10,351 1.15% Share-holdings (Proportion) (Proportion) 10/9 11/3 11/9 9 0.00% 9 0.00% 9 0.00% Japan Trustee Services Bank, Ltd. (Trust Account) (Trust Ltd. Bank, Services Trustee Japan UFJ, Ltd. Tokyo-Mitsubishi The of Bank NIPPONKOA Insurance Company , Limited Company Insurance Nippon Life The Insurance Dai-ichiLife Company ,Limited COMPANY INSURANCE LIFE SUMITOMO M Yasuda eiji Insurance Life Company Association Shareholding Employees' Bank Chiba 4) Account (Trust Ltd. Bank, Services Trustee Japan Japan Master TrustJapanMaster Account) Bank (Trust Japan, Ltd. of 1,807 1,807 0.20% 11,860 1.33% 23,821 2.67% 16,133 1.81% 18,858 2.12% 15,184 1.70% 432,479 432,479 211,513 48.57% 129,689 23.76% 418,777 189,289 201,121 121,183 14.56% 47.01% 21.25% 128,834 22.58% 890,589 416,191 13.61% 191,130 199,603 121,309 14.46% 100.00% 46.73% 21.46% 129,435 890,777 22.42% 13.62% 187,178 100.00% 118,995 14.53% 21.01% 890,813 13.36% 100.00% issued total shares Percentage of 73,346 8.19% 49,989 5.58% 35,326 3.94% 29,905 3.33% 29,177 3.25% 25,678 2.86% 17,842 1.99% 15,579 1.73% 11,554 1.29% 10,969 1.22% Share-holdings 10/9 11/3 11/9 Total Trust banks National and local governments and local National Financial institutions Securities companies Other companies investors Foreign Individuals and others Treasury Stock, etc. Japan Trustee Services Bank, Ltd. (Trust Account) (Trust Ltd. Bank, Services Trustee Japan UFJ, Ltd. Tokyo-Mitsubishi of The Bank NIPPONKOA InsuranceCompany , Limited Company Insurance Nippon Life The Dai-ichi Insurance Life Company , Limited COMPANY INSURANCE LIFE SUMITOMO Meiji Yasuda InsuranceLife Company Association Shareholding Employees' Bank Chiba 4) Account (Trust Ltd. Bank, Services Trustee Japan Japan MasterTrust Bankof Japan, Ltd. (Trust Account) Principal Shareholders Composition of Shareholders Composition of Shareholders *Treasury stocks are excluded in Principal Shareholders but are included in calculation of percentage of total share issued. issued. share total of percentage of calculation in included are but Shareholders Principal in excluded are stocks *Treasury 13.3 14.5 22.4 26.0 21.0 13.6 14.4 22.5 26.5 21.4

Appendix-35 23.7 26.6 13.6 21.2 14.5 26.8 14.4 21.4 13.7 23.3 13.6 14.3 27.2 21.5 22.9 14.6 26.7 19.8 24.9 13.6 14.8 27.5 20.3 12.9 24.2 14.7 20.1 26.6 12.2 26.0 26.3 21.8 11.8 24.7 11.3 22.0 15.015.0 26.1 25.2 15.3 21.7 11.9 26.3 24.4 Public Offering 15.6 20.4 14.3 25.9 23.5 16.4 12.2 21.5 28.1 21.5 19.5 12.9 21.4 29.2 16.6 15.9 13.6 23.9 29.7 16.6 14.1 24.4 30.9 13.5 16.8 17.5 23.9 32.5 15.4 10.4 8.6 17.7 14.5 21.9 37.0 7.3 21.2 18.8 Share sell-offs 7.4 19.0 21.1 37.737.7 14.5 14.7 20.1 8.0 19.7 14.4 37.6 19.9 36.0 18.4 10.6 14.8 4.9 16.0 22.1 16.5 40.2 5.9 22.3 16.8 14.2 40.6 3.0 23.1 17.0 10.5 46.1 9.6 4.8 15.5 47.1 22.7 4.4 15.7 10.0 23.2 9.7 4.6 15.5 46.546.5 9.8 15.2 47.0 23.423.4 4.4 4.4 10.2 46.5 4.7 14.914.9 10.3 46.1 23.723.7 15.2 10.4 45.9 24.1 9.2 4.2 4.2 15.4 46.3 24.7 Personal investors, others banks Trust Foreign Investors Financial institutions(excl. trust banks, incl. securities companies) Domestic enterprises 8.9 3.9 15.7 46.4 24.9 3.8 15.8 25.2 8.6 8.6 3.3 16.0 46.346.3 25.6 94/3 95/3 96/3 97/3 98/3 99/3 00/3 01/3 02/3 03/3 04/3 05/3 06/3 07/3 08/3 09/3 10/3 11/3 5 0 Changes in Composition of Shareholders 50 45 40 35 30 25 20 15 10 （％） Appendix-36 h a Short- ) th / in Chiba on the 17 th ities” into a wholly-owned subsidiary of the Chiba Bank throug

(in Kashiwa on the 10

minar for small and medium Japanese enterprises” ong Branch (deposits, remittances and foreign exchange) (up to 12 million shares)

s of the Great East Japan Earthquake ss alliance with Standard Chartered Bank medium term management plan “Frontier 70” th Chiba Tourism Business Talk Association” nd form Share Exchange Apr.8 Announced the 11 Feb.3 the Held “Medical Business Seminar” in Ichikawa Dec.7 Held the “2 Oct. 3 Established “Support team for women” Jun. 9 Opened “Koshigaya Laketown Branch” Mar. 2Mar. 9 Acquisition of electric car Opened Singapore representative office Nov. 7 ”Kisarazu Higashi Branch” moved to new building Apr.28 Announced acquisition of own shares Oct.18Oct.18 Yachiyo Branch moved to new building Revised card loan “Quick Power Advance” Apr.18 Started handling Chinese Yuan for settlement business in trading Apr.28 Announced turning the consolidated subsidiary “Chibagin Secur Jul. 19Jul. Jul. 29 Opened “Yotsukaido Minami Branch” Held the “Agribusiness talk association” Jan.17Jan.21 Nakayama Branch moved to new building Held the “Shanghai Business Community Seminar 2011” Feb.14Feb.28 Kamagaya Branch moved to new building Ajiki Branch moved to new building Nov.18 Held the “Overseas Business Management Se Oct. 24 Renewal of “Chibagin Consulting Plaza, Chiba” Jun. 23 Started business in Chinese Yuan at Hong K Jun. 27 Formed an international busine Mar. 14 Misato-chuo Branch moved to new building Sep. 30 Started Web Site access for smartphones May. 20May. 24 Held the “Chibagin Marche”May. 26 (Sales fair of farm products produced in Chiba) Opened “Inzai Makinohara Branch” Started time deposit for supporting tourism in Chiba May. 13 Expanded support loans for victim

Recent News

2010 Oct.1 Established Growth Business Support Office 2011 Jan.1 Changed the company name of “Chuo Securities” to “Chibagin Securities” and relocated its head office to Chiba City

Inquiries related to this presentation should be addressed to The Chiba Bank, Ltd. Corporate Planning Division Investor Relations Tel:(81) 43-301-8147 Fax:(81) 43-242-9121 e-mail:[email protected]

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.