Interim Financial Results for FY 2005 Ended September 30, 2005

InterimInterim FinancialFinancial ResultsResults forfor FYFY 20052005 endedended SeptemberSeptember 30,30, 20052005

January 16, 2006

This is an English translation of the Japanese original. Please be advised that there may be some disparities due to such things as differences in nuance that are inherent to the difference in languages although the English translation is prepared to mirror the Japanese original as accurately as possible. 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. Foreword

■For the 6 months ended September 2005, Real Net Business Income *Real net business income = Net business income + Net transfers to general 80 reserve for possible loan losses thanks to the increase in net fee and 74.0 74.0 (¥ Bil) 71.5 commission income and net interest income, 67.8 68.4 1H Result 70 ¥37.4 bil Chiba Bank recorded ¥37.4 billion of real net business income, the highest in its 60 history. Also, as net credit costs were minus 50 FY 01 FY 02 FY 03 FY 04 FY 05 ¥2.5 billion, the Bank achieved an Ordinary (Projection) profit of ¥36.0 billion and Interim net Net Income income of ¥23.4 billion, both the highest in 50 40.0 34.3 1H Result (¥ Bil) ¥23.4 bil its history. 30 25.7 8.9 ■At a time of economic change where a 10

recovery in Japan’s economy is being seen FY 01 FY 02 FY 03 FY 04 FY 05 and the non-performing loan problems have (Projection) (26.7) receded, the Bank made a ¥48 billion of public offering in December 2005 to Net Credit Costs *Net credit costs = Disposal of non-performing loans + Net transfers to general reserve for possible loan losses – Collection of written-off claims promote the further growth of the Chiba 80 77.5 (¥ Bil) Bank Group. 60

■ 40 34.8 30.9 1H Result Today, we would like to outline our results (¥2.5 bil) 16.5 20 so far and explain the background of the 7.0 public offering and our future strategy to 0 FY 01 FY 02 FY 03 FY 04 FY 05 expand our corporate value. (Projection) 1 Table of Contents

Chapter 1: Summary of interim financial Chapter 3: Creating Further Value results for FY 2005 Summary of Interim Financial Results (1) P/L 4 Background and Purpose of Capital Increase 15 Summary of Interim Financial Results (2) B/S 5 Developing Chiba Prefecture 16 Summary of Interim Financial Results (3) Expanding Business Base 17 Consolidated 6 Opening of Tsukuba Express Line 18 Earnings Projections for FY 2005 7 Progress of Structural Reform 19 Building Solid Sales Structure 20 Chapter 2: Present Conditions under Expanding Business Area 21 ‘Towards “Creating Value”, 100 weeks of Challenge and Innovation’ Relocations of Branch Offices 22 Loans to SMEs 9 Advanced System Investments 23 Housing Loans 10 Development of Consumer Loan Business 24 Investment-type Financial Products 11 Further Reinforcement of the Financial Base 25 Expansion of Market Investments 12 Increase Shareholder Value 26 Non-performing Loans 13 Changes in Structure of Profitability 27

2 Summary of Interim Financial Results for FY 2005 Summary of Interim Financial Results (1) P/L

Gross Business Profit Increased, Real Net Business Income, Ordinary Profit and Interim Net Income Recorded the Highest in Chiba Bank History

Interim Interim NetNet InterestInterest incomeincome <￥Bil> FY 04 FY 05 <￥Bil> Interim (a) (b) (b-a) <￥Bil> Interim FYFY 0505 change change Gross business profit 72.5 75.0 2.5 NetNet interestinterest incomeincome 61.8 61.8 0.2 0.2 including Net interest income 61.5 61.8 0.2 DomesticDomestic 59.6 59.6 (0.3) (0.3) including Net fees and commissions 8.3 9.3 1.0 InternationalInternational 2.1 2.1 0.6 0.6 including Profit from other business transactions 1.5 2.8 1.2 NetNet FeesFees andand CommissionsCommissions including Foreign exchange 0.8 1.3 0.4 <<￥￥Bil>Bil> InterimInterim FY 05 change Expenses 36.9 37.6 0.6 FY 05 change NetNet feesfees andand commissionscommissions 9.3 9.3 1.0 1.0 including Personnel expenses 18.2 18.0 (0.2) FeeFee andand commissioncommission incomeincome 15.6 15.6 1.4 1.4 including Non-personnel expenses 16.6 17.4 0.7 includingincluding InvInv estment estment truststrusts && PersonalPersonal annuitiesannuities 4.24.2 0.7 0.7 Real net business income * 35.5 37.4 1.8 includingincluding PrivPriv ate ate offeringoffering && SySy ndicated ndicated LoansLoans 0.60.6 0.3 0.3 Net transfer to general reserve for possible loan losses - - - FeeFee andand commissioncommission expensesexpenses 6.2 6.2 0.4 0.4 Net business income 35.5 37.4 1.8 NetNet CreditCredit CostsCosts Non-recurrent income (losses) (6.7) (1.3) 5.3 <<￥￥Bil>Bil> InterimInterim including Disposal of non-performing loans (8.3) (4.1) 4.1 FYFY 0505 change change TransferTransfer toto generalgeneral reservreserv e e forfor possiblepossible loanloan losseslosses 6.0 5.9 including Gains (losses) on stocks, etc. 0.8 1.4 0.5 6.0 5.9 Non-performingNon-performing loansloans (5.3) (5.3) (0.8) (0.8) Ordinary profit 28.8 36.0 7.2 DowDow ngrades ngrades (8.0) (8.0) 3.3 3.3 Extraordinary gains (losses) 5.1 5.6 0.4 DecreaseDecrease inin collateralcollateral valuevalue (3.0) (3.0) (0.1) (0.1) Upgrades & repayments 5.6 (4.1) including Transfer from general reserve for possible loan losses 3.8 ** 4.9 1.0 Upgrades & repayments 5.6 (4.1) CreditCredit costscosts 0.7 0.7 5.2 5.2 including Collection of written-off claims 1.5 1.8 0.2 CollectionCollection ofof ww ritten-off ritten-off claimsclaims 1.8 1.8 0.2 0.2 Interim net income 19.5 23.4 3.8 NetNet creditcredit costscosts 2.5 2.5 5.4 5.4 * Real net business income = Net business income + Net transfers to general reserve for possible loan losses **Transfer from general reserve for possible loan losses (4.9) = Transfer to general reserve for possible loan losses (6.0) - Provision of specific reserve for possible loan losses (1.1) + Transfer to reserve for specific foreign borrowers/countries (0.0) 4 Summary of Interim Financial Results (2) B/S

Loans to SMEs and Securities Increased

<￥Bil> 05/3 05/9 Loans and bills discounted (a) (b) (b-a) Loans and bills discounted <￥Bil> 05/9 Assets 8,698.7 9,018.8 320.1 <￥Bil> 05/9 changechange Term-end balance Cash and due from banks 493.5 338.3 (155.1) Term-end balance 5,806.45,806.4 (75.0) (75.0) LoansLoans toto SMEsSMEs && ConsumerConsumer LoansLoans 4,561.84,561.8 83.2 83.2 Call loans 21.9 - (21.9) LoansLoans toto SMEsSMEs 2,634.5 2,634.5 28.5 28.5 ConsumerConsumer loansloans 1,927.2 1,927.2 54.7 54.7 Loans and bills discounted 5,881.4 5,806.4 (75.0) MajorMajor && midsizemidsize companiescompanies 694.4694.4 (18.8) (18.8) Loans to SMEs 4,478.5 4,561.8 83.2 PublicPublic sectorsector 535.0535.0 (138.6) (138.6) OverseasOverseas 15.015.0 (0.8) (0.8) Securities 1,710.5 2,232.6 522.1 <<￥￥Bil>Bil> InterimInterim FYFY 0505 cchhangeange Deferred tax assets 50.6 30.5 (20.0) AverageAverage balancebalance 5,909.05,909.0 173.9 173.9 Liabilities 8,290.7 8,579.2 288.5 CorporateCorporate loansloans 3,379.8 3,379.8 64.2 64.2 ConsumerConsumer loansloans 1,891.3 1,891.3 113.9 113.9 Deposits 7,594.0 7,744.1 150.1

NCD 103.7 144.8 41.0 SecuritiesSecurities <<￥￥Bil>Bil> 05/905/9 Stockholders' equity 407.9 439.5 31.5 changechange SecuritiesSecurities 2,232.62,232.6 522.1 522.1 Common stock 121.0 121.0 - GovernmentGovernment bondsbonds 593.7 593.7 195.3 195.3 Capital surplus 98.1 98.1 0.0 CorporateCorporate bondsbonds andand othersothers 905.9 905.9 139.4 139.4 ForeignForeign currencycurrency securitiessecurities 509.5 509.5 153.5 153.5 Retained earnings 147.2 167.8 20.6

5 Summary of Interim Financial Results (3) Consolidated

Steady Progress by Companies in the Chiba Bank Group

<￥Bil> Consolidated Difference Interim FY 05 Non-consolidated Total Net Income of Ordinary income 112.1 95.9 16.1 Subsidiaries and Affiliates* Interest on loans and discounts 57.8 56.5 1.2 Fee and commission income 20.5 15.6 4.9 (¥ Bil) Ordinary expenses 71.7 59.9 11.8 3 Ordinary profit 40.3 36.0 4.2 2.5 Interim net income 24.8 23.4 1.3 2 Business Company Characteristics 12 Branches in Chiba Prefecture Chuo Securities High market share of stock transactions in Chiba Prefecture Securities Holds 50 thousand active accounts 1H Result Chibagin Contract amount balance of ¥52.6 billion 1 1H 2.2 Leasing Leasing Reinforcing leasing business to enlarge its profit Result 1.7 Aggressively seeking customers outside the Group such Chibagin System as local governments and local companies, which has Computer Development brought the ratio of non-Chiba Bank customers to around Service 80％. 0 The only ‘Think Tank’, research institute in Chiba FY 04 FY 05 Information, Chibagin Prefecture. Research and Research Members: approximately 6 thousand, mainly the major *Sum of net income of all subsidiaries and affiliates Consulting Institute companies in the region.

6 Earnings Projections for FY 2005

Expecting More Profit Growth

Interim <￥Bil> FY 04 FY 05 FY 05 FY 05 (Results) (Projections) Targets in Medium-term (Results) (b-a) (a) (b) Management Plan Gross business profit 147.8 75.0 150.0 2.2 150.0

Expenses 73.7 37.6 76.0 2.3 76.0

Real net business income 74.0 37.4 74.0 0.0 74.0

Ordinary profit 57.8 36.0 66.0 8.2 60.0

Net income 34.3 23.4 40.0 5.7 35.0

Credit costs 21.8 (0.7) 10.0 (11.8) 14.0

Net credit costs 16.5 (2.5) 7.0 (9.5)

Consolidated ordinary profit 61.7 40.3 71.0 9.3

Consolidated net income 36.3 24.8 43.0 6.7 38.0

7 Present Conditions under ‘Towards “Creating Value”, 100 weeks of Challenge and Innovation’ Loans to SMEs

Positive Actions to Meet Corporate Customers’ Financial Needs Movement in Capital Spending (comparison with the previous year) Loans to SMEs (Term-end Balance) & Chiba Bank’s Loans on Capital Expenditure 2,900 200 30 Chiba Bank's Loans on Capital Expenditure (%) FYFY 0202 FYFY 0303 FYFY 0404 InterimInterim FYFY 0505 (¥Bil) (¥Bil) (actual amount) 20 ¾Started posting ¾Established ¾Established new ¾Started posting ChibaChiba PrefecturePrefecture staff specializing Corporate business loan “Spurt 3000” staff specializing 10 in new borrowers center ¾Started posting in sales promotion 150 NationwideNationwide ¾Established new staff specializing outside Chiba 0 2,800 loan “Dash 5000” in corporate Prefecture ¾Started strategy ¾Posted staff -10 establishing consulting support specializing in 100 regional Corporate corporate strategy -20 Banking consulting support -30 Departments in all sales zones 2,700 50 -40 FY 01 FY 02 FY 03 FY 04 FY 05 (Projection) Source: Development Bank of Japan “Survey on Planned Capital Spending” New Loans Made 2,600 2,810.6 CLO off-balance sheet amount 150 (¥Bil) 113.4 115.3 2,679.9 2,658.6 2,660.6 2,636.3 100 86.9 89.1 2,500

50 1H Result 79.1 2,400 02/3 03/3 04/3 05/3 05/9 0 FY 01 FY 02 FY 03 FY 04 FY 05 (Projection) Note: Before partial direct write-offs (including businesses owned by individuals) Note: Figures are the total of new loans made in Chiba Prefecture and the Akihabara zone 9 Housing Loans

Positive Action to Respond to Steady Demand for Housing

Housing Loans (Term-end Balance) New Housing Starts in Chiba Prefecture 2,000 250 New Housing Loans (¥Bil) made by Chiba Bank (¥Bil)

1,803.9 200 1,745.8 60,000 (Number of 150 1,625.6 New Housing Starts) 100 Total 1,500 1,478.9

1,385.1 50 30,000

Condominiums 1,000 0 02/3 03/3 04/3 05/3 05/9 01 02 03 04 05 (Projection) Note: Before partial direct write-offs Source: Chiba Prefecture 10 Investment-type Financial Products

Highest Achievement among Regional Banks

Sales of Investment Trusts and Personal Annuities Transactions of Individual Customers

800 Chiba (¥Bil) ChibaChiba Bank Variable annuities 689.7 of Sum Total + Trusts Investment of balance Term-end Bank Term-end balance of Investment Trusts + Total Sum of of Sum Total + Trusts Investment of balance Term-end Fixed annuities Stock funds 601.7 Bond funds 600 600 Personal Annuities Sales Annuities Personal (¥Bil) Sales Annuities Personal

BB Regional 420.2 Regional BankBank 400 CC RegionalRegional Bank DD Bank 300 Regional Regional EE Bank 224.4 Bank RegionalRegional BankBank 200

108.3

IncreaseIncrease inin PersonalPersonal DepositsDeposits (from(from SepSep 0404 toto SepSep 05)05) 0 0 02/3 03/3 04/3 05/3 05/9 0 100(¥Bil) 200

Source: “Tanshin”, financial result report as of Sep 30, 2005 (Chiba Bank, Bank of Yokohama, Shizuoka Bank, Joyo Bank, Bank of Fukuoka) 11 Expansion of Market Investments

Aggressive Investment in Securities

Securities (Term-end Balance) Weighted Average Life of Yen Denominated Securities 2,500 (¥Bil) Corporate bonds and others 2,156.9 Yen f ixed rate bonds (excl TB & FB) Stocks 4 Government bonds (Years) Total 2,000 Foreign bonds 3.2 1,663.6 3.0 2.9 2.9 2.8 3 1,409.4 1,500 1,399.2 1,362.1 2.9 2.5 2 2.4 1,000 2.2 2.0

500 1 1010 basisbasis pointpoint valuevalue ApproxApprox ¥3.8¥3.8 billionbillion

Note: Parallel shift 0 0 02/3 03/3 04/3 05/3 05/9 02/3 03/3 04/3 05/3 05/9

Note: Actual booked value basis

12 Non-performing Loans

Steady Improvement in Financial Quality and Decrease in Net Credit Costs Disclosed Claims Real net business income & Net credit costs under the Financial Reconstruction Law 90 1,000 10 9.3 Substandard (¥Bil) (¥Bil) 9.1 (%) Doubtful 9 80 77.5 Bankrupt and substantially bankrupt 74.0 74.0 71.5 NPL ratio to total claims (7.7) 800 NPL ratio to total claims 8 70 67.8 68.4 (before(before partialpartial directdirect write-offs)write-offs)

1H Result 7 60 1H Result 6.2 ¥37.4¥37.4 bilbil 600 556.4 6 528.6 NPL ratio to total claims 50 RealReal netnet businessbusiness incomeincome NPL ratio to total claims (after(after partialpartial directdirect write-offs) write-offs) 4.5 5 4.2 40 34.8 400 361.4 4 30.9 1H Result 30 1H Result 276.0 (¥2.5(¥2.5 bil)bil) 252.3 3

20 16.5 200 2

Net credit costs 10 Net credit costs 7.0 1

0 0 0 FY 01 FY 02 FY 03 FY 04 FY 05 02/3 03/3 04/3 05/3 05/9 (Projection) Before partial After partial direct write-offs direct write-offs

13 Creating Further Value Background and Purpose of Capital Increase

Reinforced Capital by ¥48.0 billion Capital Increase in Dec 2005

BackgroundBackground FactorsFactors Capital Increase i.i. Increase Increase inin financialfinancial needsneeds ofof corporatecorporate underunder economiceconomic recoveryrecovery ii.ii. Halt Halt inin landland priceprice declinedecline andand 9 Establish offices along Tsukuba Express Line continuouscontinuous populationpopulation increaseincrease inin AggressiveAggressive StrategicStrategic 9 Establish offices along Tsukuba Express Line Chiba Prefecture 9 Expand business area into the markets adjacent to Chiba Chiba Prefecture DevelopmentDevelopment ofof 9 Expand business area into the markets adjacent to Chiba iii. Development and opening of PrefecturePrefecture iii. Development and opening of BranchBranch NetworkNetwork TsukubaTsukuba ExpressExpress LineLine 99 RelocationRelocation andand renewalrenewal ofof branchbranch officesoffices iv.Progressiv.Progress ofof structuralstructural reform,reform, e.g.,e.g., mergers and business reduction of 9 Actively respond to financial needs in Chiba Prefecture mergers and business reduction of ResponseResponse toto 9 Actively respond to financial needs in Chiba Prefecture governmentgovernment financialfinancial institutions.institutions. Customers’ 99 RespondRespond toto financialfinancial needsneeds inin areasareas adjacentadjacent toto ChibaChiba Customers’ PrefecturePrefecture Financial Needs LoansLoans mademade inin ChibaChiba PrefecturePrefecture Financial Needs 99 DevelopDevelop consumerconsumer loanloan businessbusiness 17 (¥Tril) 99 ReinforceReinforce salessales abilityability byby utilizingutilizing informationinformation basedbased onon 16 ExpansionExpansion ofof Non-Non- investmentinvestment inin advancedadvanced systemssystems 9 Positively respond to deregulations such as the further 15 InterestInterest IncomeIncome 9 Positively respond to deregulations such as the further deregulationderegulation ofof OTCOTC salessales inin insuranceinsurance 14

13 99 01 03 05 Source: Chiba Prefecture Further Growth of Shareholder Value 15 Developing Chiba Prefecture

Large Business Opportunities as Enterprises are Attracted to Chiba Prefecture

Major Criteria for Selecting Business Development & Major Projects in Chiba Prefecture Locations in Chiba Prefecture NaritaNarita InternationalInternational Development along 80 Development along AirportAirport NorthNorth RunwayRunway (%) TsukubaTsukuba ExpressExpress LineLine ExtensionExtension 60 MetropolitanMetropolitan InterInter-- Tokatsu citycity ExpresswayExpressway 40 zMany academic institutions Narita Airport Area zTokatsu TechnoPlaza 20 zDistribution base

0 Labor Distance Access Floor Rental Largest European Makuhari New City force space fee Furniture Retailer Opening zStart-up Center for Source: Chiba Economy Center 1st Store in Japan foreign-affiliated companies TokyoTokyo BayBay AqualineAqualine Comparison of Industrial Estates ChibaChiba CityCity BayshoreBayshore RedevelopmentRedevelopment PlanPlan Number of Total Area (ha) Industrial Estates Futtsu Joint LCD Factory by Chiba 25 554 zEco-town Project Hitachi, Panasonic and Toshiba Tokyo 3 50 One of Japan’s Kanagawa 14 79 Largest Shopping Recent major area where Saitama 15 78 Center Projects enterprises centers Source: Japan Industrial Location Center

16 Expanding Business Base

Halt in Land Price Decline and Continuous Population Increase in Chiba Prefecture

Projected Population Increase in Chiba Prefecture Residential Land Price by Area

106 NagareyamaNagareyama City:City: 11 Land Price Rise City: Rise Point ChibaChiba CityCity andand Land Price Rise City: Rise Point NorthNorth-western-western ChibaChiba KashiwaKashiwa City:City: 44 MatsudoMatsudo City:City: 55 104 SaitamaSaitama IchikawaIchikawa City:City: 1818 TokyoTokyo Funabashi City: 2 ChibaChiba Funabashi City: 2 102 Urayasu City: 10 Urayasu City: 10 Trend of Land Price Decline Ratio in Chiba 00 01 02 03 04 05 Narashino City: 1 Ibaraki Narashino City: 1 (3) Ibaraki (4.5) (%) NationwideNationwide 100 ChibaChiba City:City: 33 (Mihama ward) (6) (Mihama ward) (7.6)

(9) (9.5) 2000 = 100 (10.3)(10.4) (10.8) 98 (12)

+5.0% - +0.1% 96 0.0% - (4.9%) 00 05 10 (5.0%) - (9.9%) Based on Standard Land (10.0%) - (14.9%) Source: National Institute of Population and Social Security Research Price (As of July 1, 2005)

17 Opening of Tsukuba Express Line

Opening of Tsukuba Express Line (TX) Energizes Economy in the Region

Developments along the TX Expected economical Impact upon openings of TX Nagareyama-Ootakanomori Large-scale NodaNoda CityCity Shopping Center TsukubaTsukuba ExpressExpress [Scheduled to open in 2007] ¥1,400 bil (including ¥500 bil of Kashiwa-TanakaKashiwa-Tanaka Housing Construction) Kashiwanoha-campusKashiwanoha-campus

NagareyamaNagareyama CityCity Abiko City Source: Chibagin Research Institute Nagareyama-otakanomoriNagareyama-otakanomori Abiko City Nagareyama-centralparkNagareyama-centralpark New Housing Starts along the TX Minami-NagareyamaMinami-Nagareyama KashiwaKashiwa CityCity 29.9% increase 15,000 (Whole Chiba: 14.2% increase) (Number of Houses) MatsudoMatsudo CityCity 10,000

Kashiwanoha-campus 5,000 Large-scale Shopping Center AkihabaraAkihabara [Scheduled to open in 2006] 0 03 04 Note: Total sum of new housing starts in Matsudo City, Kashiwa City, Nagareyama City, Abiko City and Noda City. Chiba Bank Branch Locations Source: Chiba Prefecture Tsukuba Express Stations 18 Progress of Structural Reform

More Business Opportunities as Structural Reform Progresses Loans at Government Financial Institutions Postal Savings (Term-end Balance) in Chiba Prefecture (Term-end Balance) (￥Bil) 120 Government financial institution 965.6 113.0 Development Bank of Japan 434.3 National Life Finance Corporation 195.1 Agriculture Forestry and Fisheries Finance Chiba Bank 69.5 Personal Deposits Corporation Japan Finance Corporation for Small and 106.7 Medium Enterprise 100 Shoko Chukin Bank 160.0 100 Source: Bank of Japan Before end of FY 2008 Halve against GDＰ

2001/3＝100 91.8 Postal Savings Increase in loans at private in Chiba Prefecture financial institutions due to the merger and/or privatization of government financial institutions

80 01/3 02/3 03/3 04/3 05/3 ¥500 bil

Source: Japan Post

19 Building Solid Sales Structure

Reinforcing Sales Capability by Reviewing Business and/or Organization

Speed-up Credit Decisions Re-assigning Staff Reinforce Planning Ability

CorporateCorporate LoansLoans Posted by Mar 06 CustomersCustomers’’ Needs Needs ¾Specify criteria for credit decisions Mature Area Mature Area 100 staff ¾Expand scope of general managers’ ContractedContracted SalesSales StaffStaff Expanding authorization Additional Areas HeadquartersHeadquarters 70 staff ProductProduct DevelopmentDevelopment DepartmentDepartment ConsumerConsumer LoansLoans PlanningPlanning andand developmentdevelopment ofof productsproducts andand servicesservices ¾Concentrate loan screening procedures (to be ⇒ (to be Loan Support Center (planned) Established)Established) ¾Review Chiba Bank Group FurtherFurther IncreaseIncrease SalesSales StaffStaff companies BusinessBusiness PlanningPlanning DepartmentDepartment 110 Headq uarters 100 99.6 PromptPrompt andand aggressiveaggressive responseresponse toto deregulationderegulation 100 87.1 90 ImproveImprove SpeedSpeed ofof LoanLoan ScreeningScreening 9Response to full deregulation of Insurance 80 Sales 9Utilize bank agency systems 70 2000/3=100 61.1 9Build business models making full use of IT 60 Operations 9Cooperation with other businesses and/or PromptPrompt ResponseResponse toto 50 financial institutions CustomersCustomers’’ Needs Needs 00/3 01/3 02/3 03/3 04/3 05/3 10/3

20 Expanding Business Area

Expand Business through the Cooperation of New and Existing Branches along the TX and Tozai Lines

InsideInside ChibaChiba TsukubaTsukuba ExpressExpress LineLine IbarakiIbaraki AreaArea 99PlanningPlanning toto establishestablish branchbranch officesoffices atat majormajor adjacentadjacent toto Chiba Chiba Population : 0.45 mil TsukubaTsukuba ExpressExpress LineLine stationsstations MoriyaMoriya Population : 0.45 mil

OutsideOutside ChibaChiba SaitamaSaitama AreaArea adjacentadjacent toto Chiba Chiba Population : 1.2 mil 99OctoberOctober 2005:2005: Established Established PreparingPreparing OfficeOffice Population : 1.2 mil JRJR JobanJoban LineLine forfor OpeningOpening KasaiKasai BranchBranch (Tokyo)(Tokyo) (branch(branch scheduledscheduled toto openopen inin SeptemberSeptember 2006)2006) Misato-chuoMisato-chuo 99FebruaryFebruary 2006:2006: Saitama Saitama CorporateCorporate BankingBanking OfficeOffice atat YashioYashio inin SaitamaSaitama PrefecturePrefecture toto bebe SaitamaSaitama CorporateCorporate establishedestablished Banking Office YashioYashio Banking Office ChibaChiba PrefecturePrefecture Expand Business Area to East Tokyo, PopulationPopulation :: 6.056.05 millionmillion Expand Business Area to East Tokyo, TokyoTokyo AreaArea EastEast SaitamaSaitama andand SouthSouth IbarakiIbaraki adjacentadjacent toto Chiba Chiba PopulationPopulation : : 2.72.7 milmil Shinjuku Line Corporate Loans in Kasai Area (Outstanding Balance) Shinjuku Line

45 AprilApril 2005: 2005: Posted Posted staff staff 350 specializingspecializing in in new new borrowers borrowers (¥Bil) Number of (Numbers) Borrow ers Tozai Line 40 AkihabaraAkihabara Tozai Line 300

Outstanding 250 JRJR SobuSobu LineLine 30 Balance KasaiKasai BranchBranch 25 200 03/3 04/3 05/3 05/9 Chiba Bank Branch Locations (outside Chiba) Tsukuba Express Line stations 21 Relocations of Branch Offices

Achieve Effective Branch Network Allied to Sales Potential of Business Area

99MarMar 20052005 Koiwa Koiwa BranchBranch 99JunJun 20052005 Narita-nishi Narita-nishi BranchBranch 99NovNov 20052005 Yukarigaoka Yukarigaoka BranchBranch 99MarMar 20062006 Yachiyo-midorigaoka Yachiyo-midorigaoka Branch Branch (Formerly(Formerly TakatsuTakatsu Branch)Branch)

FurtherFurther RelocationsRelocations andand RenewalsRenewals ofof BranchBranch OfficesOffices areare PlannedPlanned

Narita-nishiNarita-nishi Branch Branch Average Loan Balance of Relocated Branches Yachiyo-midorigaokaYachiyo-midorigaoka BranchBranch

YukarigaokaYukarigaoka Branch Branch 112 110.4 KoiwaKoiwa BranchBranch Narita-nishi Branch (Relocated in June 2005) 106.4 106

100 Koiwa Branch (Relocated in March 2005) 94 1H FY 2004 = 100

88 ●Chiba Bank Branch Locations 1H FY 04 2H FY 04 1H FY 05 22 Advanced System Investments

Maintain Information Infrastructure for Further Expansion of Business to Individuals

RenewalRenewal ofof BranchBranch OfficeOffice NetworkNetwork (introduction(introduction ofof OpticalOptical fiber)fiber) Population of Chiba Prefecture: 6.05 mil Number of personal accounts: 4.24 mil

99RespondRespond toto thethe sizesize ofof informationinformation volumevolume House Small Finance Investment 99UpgradeUpgrade informationinformation securitysecurity Purchasing Needs Needs Needs MaintenanceMaintenance ofof DataData WarehouseWarehouse

99UtilizeUtilize real-timereal-time informationinformation 99IntensifyIntensify datadata processingprocessing Credit Cards Housing Loans Investment Trusts (Card Loans) etc Personal Annuities MaintenanceMaintenance ofof In-houseIn-house InformationInformation InfrastructureInfrastructure

99IntensifyIntensify in-housein-house LANLAN systemsystem 99StrictStrict rulesrules uponupon usingusing personalpersonal informationinformation Customer Relationship Management

Loan Centers The Internet Telephone Branch Offices Consulting Plaza Loan Plazas

Customers’ Needs Products Development Transaction History ReinforceReinforce SalesSales AbilityAbility withwith Customer Analysis PositivePositive UseUse ofof InformationInformation Products & Services

23 Development of Consumer Loan Business

Aggressive Actions on Consumer Loans

Development of Credit Card Business Increase in “Super Educational Loans”

CooperationCooperation withwith CompaniesCompanies inin ChibaChiba ImprovementImprovement inin ProductsProducts 4.0 JanuaryJanuary 20052005 (¥Bil) AdditionalAdditional functionsfunctions 3.52 StartedStarted to to make make contractscontracts withwith locallocal governmentsgovernments 3.5 to card loans I. Established combined-type credit to card loans andand major major companiescompanies inin ChibaChiba Prefecture Prefecture forfor I. Established combined-type credit 3.05 card (IC Cash Card + Credit Card) “Business“Business Cards”Cards” card (IC Cash Card + Credit Card) 3.0 ⇒⇒Number of staff at contracted companies: Number of staff at contracted companies: 2.49 2.5 300,000300,000 2.14 II.II. Added Added InsuranceInsurance forfor StolenStolen CashCash 1.98 2.0 CardCard

1.5 02/3 03/3 04/3 05/3 05/9

III.III. Extended Extended availabilityavailability toto (non-working)(non-working) housewiveshousewives basedbased onon familyfamily incomeincome Business Card Promotion of Consumer Loan Business High Number of “Super Cards” High Cooperate with other businesses Intensify 40,000 Special Loans at Special Loans at EstablishedEstablished (Number Non-face-to-face Channels AprilApril 20052005 of cards) Risk 30,000 Risk

Chiba Bank Original Low 20,000 Low “Chibagin Super Card”

10,000 LessLess Know-howKnow-how MoreMore 1H FY 05 3Q FY 05 (3 months) 24 Further Reinforcement of the Financial Base

Appropriate Action towards Increasing Risk Assets by Public Offering

Projected Risk Assets Projected Capital Ratio

8,000 (¥Bil)

12 Increase by (%) Public Offering 10.83 10.88 7,000 10.42

CapitalCapital RatioRatio

6,000 8 7.40 7.21 6.91 5,186.5 5,028.9 5,000 4,850.2 6 TierTier II RatioRatio

4,000 4 04/3 05/3 05/9 10/3 04/3 05/3 05/9 10/3

Note: Non-consolidated basis Note: Non-consolidated basis 25 Increase Shareholder Value

Increase Shareholder Value by Lifting ROE

ROE and Net Income 60 10% (¥Bil)

50 8%

Dec 2005 40 Dec 2005 ¥48¥48 billionbillion IncreaseIncrease ofof CapitalCapital 6% ROEROE 30

4% 20

2% 10

NetNet IncomeIncome

0 0% 89/3 90/3 91/3 92/3 93/3 94/3 95/3 96/3 97/3 00/3 01/3 03/3 04/3 05/3 10/3

Note: Excluding FY 1997, FY 1998 and FY 2001

26 Changes in Structure of Profitability

Increase Profits in Consumer Business and Interest Income

Gross Business Profit Plan

Others

53.6% Net Fees and Commissions Net Interest Income Corporate 60.7%

Net Fees and Commissions, Foreign Exchanges

34.0% Net Interest Income

Consumer 30.0% Credit Cards

12.4% Market 9.3%

FY 04 Results FY 09 Image FY 04 Results FY 09 Image

27 Appendix 1 Appendix

Interest YieldsInterest Liabilities and Working Assets Credit Costs and Margin Interest Lending Domestic LoansIndustry by Classified Borrowers Loans, Domestic Deposits 20 Deposits Personal Expansion of Foreign-Currency Trusts, (Investment Financial Products 19 Public Bonds) and Annuities Personal Deposits, 22 Cost Reduction 25 PortfolioStock 18 the Financial and Self-Assessment Loans under Disclosed 2005 30, Sep of As (1) Law Reconstruction 24 the Financial and Self-Assessment Loans under Disclosed 21 Changes(2) Law Reconstruction Caution Requiring Assets in Fluctuation for Factors 23 28 Collateral of Disposal 30 NetworkBranch Shareholders of Composition ShareholdersChanges of in Composition 26 29 Recent News 27 34 31 33 32 35 Table of Contents Management Indices Regional Economy Regional

Appendix I Strengthening Corporate Governance Appendix II Appendix III Corporate GovernanceCorporate (CSR) the Region to Contribution Index Survey Business (1) Economic Conditions LoansEconomic (2) Conditions Increase Population (3) Economic Conditions 6 4 Bankruptcies Corporate (4) Economic Conditions Chibawithin Financial Institutions of Business Share 3 10 8 9 (1) Prefecture for Chiba Economic Indicators (2) Prefecture for Chiba Economic Indicators Prefecture Chiba in Trends Price Land 7 11 Chiba Prefecturefor Key Data 12 13 IndicatorsManagement Return After Capital Cost (RACC) 14 17 16 Strengthening Corporate Governance 3 Appendix

(As of Dec.31, 2005) Dec.31, of (As (As of Dec.31, 2005) Dec.31, of (As Unit Unit Auditors (of which 5 are also Directors) (of which 5 are also Directors) (including 3 External Auditors*) Corporate Service Service Corporate (including 3 External Auditors*) -Treasury Operation Div Div Planning -Operation Div System -EDP Corporate Service Board of Auditors -Treasury Operation Div Operation -Treasury Div Planning -Operation Div System -EDP After June 05 *External Auditors are based on the revised Commercial Code as of on the Auditors are based *External 02. May Number of Directors: 10 Number of Executive Officers:Number of 14 Auditors: 5 Number of Number of Directors: 10 Number of Executive Officers:Number of 14 Auditors: 5 Number of Management Unit Management Unit -Credit Div Div -Credit Supervisory Credit Screening & -Credit Div Div -Credit Supervisory Credit Screening & Established in in April 05 Established Business Operation Unit Operation Business Business Operation Unit Operation Business ear accountability for execution and results Board of Directors Board of Directors Board of Designated Directors Board of Designated Board of Designated Directors Board of Designated General Meeting of Shareholders I C General Meeting of Shareholders Information and Marketing Dept Marketing and Information Dept Card Business I C (From April 03) April (From Sales Promotion Unit Sales Promotion Sales Promotion Unit Sales Promotion ed Directors" and "Board ofed Directors" Directors B Branch Support Div B anch offices and certain headquarters business business headquarters certain and anch offices -Business Coordination Div -Business Coordination - Div Banking -Corporate Div -Consumer Banking Div -Direct Channel Div -Treasury Corporate Governance -Business Coordination Div -Business Coordination - Div Banking -Corporate Div -Consumer Banking Div -Direct Channel Div -Treasury ecution from management responsibility. from management ecution responsibility. from management ecution (From April 03) April (From Corporate Staff Unit Staff Corporate Corporate Staff Unit Staff Corporate Prompter decision-making and establishing cl -Audit & Inspection Div Inspection -Audit & Planning Div -Corporate Div Administration -General -Public Relations Div Div -Personnel Secretariat -General Div -Credit Planning -Audit & Inspection Div Inspection -Audit & Planning Div -Corporate Div Administration -General -Public Relations Div Div -Personnel Secretariat -General Div -Credit Planning Separate responsibility for businessex Separate responsibility for businessex In majorbusiness areas, executive officersare appointedas general manager to ensure theflexibility of operations suitable forthe respective areaandstrengthen to business authority. all br for responsible officers are Executive Give impetusto management meetings. units such asSales Promotion Unitand Credit Screening and Management Unit. Adoption of the Executive Officer System Adoption of a "Board Designat Establishment ¾ ¾ ¾ ¾ ¾ and Executive Officers" and Executive ■ ■ 4 Appendix

l-biz” activities, etc. ert (ongoing since 1989) Tournament" and the "Chiba Prefecture 03, October 03 & March 05) and well-being of local youth. beach in June 03 & May 05) ffice building and “Coo on counters) (ongoing since April 03) ents and use recycled paper. tion" (March 03) ear accountability for execution and results Venture business started at Chiba University) business Venture n Business Forums and other business meetings) Forums and other business n Business Chibagin Himawari Conc ndustry. Allocate staff to support venture business companies (December 03) (December ndustry. business companies Allocate staff to support venture Regional Companies" (February 04), etc. (February Companies" Regional ng Businesses and Enterprises energy in the Head O s (around offices and ks in Chiba Prefecture (March Chiba Prefecture ks in Environment Founda order to promote the health (Clean-up walk at Kujukuri ch as the "Chiba Prefecture Baseball "Chiba Prefecture ch as the d documents, digitalize docum Contribution to the Region (CSR) Strengthen credit screening classified by i credit screening Strengthen 03: (December for venture businesses Provide support (Chibagi for business-matching Enhance activities Scheme for SME Revival Fund "Revival ・・・・ Enhance Support for Establishi Enhance Customer Consultation & Support for Management Problems Work Positively for Early Business Revival Tree-planting in forests and par Supporting artistic activities by holding the Efforts to reduce printe Tree-planting & flower campaign Donation to "Chiba Prefecture Supporting sports events su Youth Soccer Tournament" in Use of "Eco-cars“, efforts to save efforts Use of "Eco-cars“, Voluntary clean-up campaign Prompter decision-making and establishing cl Contribution to the Regional Economy Environmental Activities & Corporate Social Responsibility ¾ ¾ ¾ ¾ ¾ ¾ ¾ ¾ ¾ ¾ ¾ ■ ■ Regional Economy 6 Appendix

Oct-Dec Forecast Jul-Sep 05 Apr-Jun Actual Actual Jan-Mar 2.0 (1.8) 1.79.6 0.0 (1.9) 3.7 (5.8) (3.4)9.6 (5.4) (12.1)0.0 (4.0)4.1 (3.9) 0.0 (1.5) (6.0) (8.4) 9.5 2.6 8.1 5.9 2.8 (8.4) (22.7) (22.8) (33.4) 0.0 (7.9) (1.0) (6.9) (2.6) (4.5) 23.732.2 13.4 10.0 7.526.4 7.7 15.6 25.017.7 14.3 3.2 5.9 8.3 3.6 17.9 3.4 3.6 14.3 10.7 04 04 (11.3) (14.5) (12.2) (8.4) (1.7) (16.7) (14.3) (4.2) (4.2) 0.0 (10.9) (16.7) (4.0) (13.2)(10.3) (5.3) (33.3) 8.1 (17.7) 11.6 (3.9) 6.8 3.1 5.4 9.4 BusinessIndex Survey Oct-Dec Trend of BSI (By Industry) Trend of BSI

very in their businesses As at: October 05 October at: As answers 383 effective surveyed, 752 enterprises Answers: Source: Chiba Economy Center "BSI survey in Chiba (July to September 05)" in Chiba to September (July survey Source: Chiba Economy Center "BSI in Chiba an office and/or with a head office Enterprises Surveyees: Food Petrochemical Plastics Glass metals & Non-ferrous Steel Metals Machinery machinery Electrical machines Transportation Other manufacturing Construction Transportation Wholesaling Retailing Hotels Services Forecast Actual ecture are feeling a reco BusinessIndex Survey Trend of BSI (All Industries) Executives in Chiba Pref in Chiba Executives Economic Conditions (1) Business Survey Index BSI: Business Survey Index, is an of index executives' business sentiment and actual condition with a choice from "upward/ increase/improve" ,"no change", and "downward/decrease/worsen". - increase/improve" = x1/2 ("upward/ BSI "downward/decrease/worsen") BSI: Business Survey Index, is an of index executives' business sentiment and actual condition with a choice from "upward/ increase/improve" ,"no change", and "downward/decrease/worsen". - increase/improve" = x1/2 ("upward/ BSI "downward/decrease/worsen") 89 90 92 93 95 96 98 99 01 02 04 05 0 30 20 10 (10) (20) (30) 7 Appendix

the same month a year earlier in Loans Chiba Prefecture begun to increase compared with (Compared with theearlier) year same month a (Compared Rate of Increase/Decrease Rate of Increase/Decrease Economic Conditions (2) Loans Made by Chiba Bank with data from Business Support Div., Commerce, Industry & Labour Dept. of Chiba Prefecture Prefecture Chiba of Dept. & Labour Industry Commerce, Div., Support Business from data with Bank Chiba by Made Note:Figures are term-end balance oftotal loans from banks 00/4 00/10 01/4 01/10 02/4 02/10 03/4 03/10 04/4 04/10 05/4 05/10 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% (1.0%) (2.0%) (3.0%) (4.0%) (5.0%) (6.0%) Loans in Chiba Prefecture have 8 Appendix

+728 (thousands)

Osaka:Hokkaido: +1,069 +1,572 Hyogo: Niigata:Miyagi: +584 +571 etc Total inflow:Total outflow: 160,852 158,892

8 ,

(04)

1 244 and Communications Affairs Internal of Source: Ministry se in Chiba Prefecture + 1,960 Ibaraki Net of inflow population 5 6 Okinaw a 7 Hyogo 8 Shiga 9 Fukuoka 42 Shizuoka 39 37 33 25

Nationw ide 831

3 2

8 , 3 1 7,777 Inflow/Outflow of Population Prefectures Increase Prefectures Increase Saitama Tokyo Top 10 Prefectures by Population Growth Kanagawa 123 Tokyo Kanagaw a45 Aichi 300 Chiba 506 Saitama 211 129 115 From 00 to 05 00 to From continuing to increa 2.5 2.0 1.5 1.0 0.5 0.0 (Million households) 2.32 6.05 2.17 5.92 2.01 5.79 1.81 5.55 1.57 5.14 Population Households of Number 80 85 90 95 00 05 1.41 Economic Conditions (3) Population Increase 4.73 Source: National census (Data for Year 05 are prompt report basis) The population & number of households are 7.0 6.5 6.0 5.5 5.0 4.5 4.0 (Million) Population & of Number Households in Chiba Prefecture 9 80 60 40 20 0 (Cases) Appendix

27 63.5 15 5.4 20 12.9 22 12.1 31 8.5 27 12.9 60.9 20 22 Amounts Cases 7.2 29 56.0 24 34.7 36 16.4 28 43.4 24 4.6 31 3.8 29 22.3 40 6.9 31 3.7 6.9 3030 12.4 35.1 39 48 105.2 45 32 9.6 107.3 40 5.0 9.1 34 39 7.8 33 16.0 42 19.0 39 39 6.4 40 7.3 43 15.1 15.2 58 are trending downwards in Chiba Prefecture 26.4 47 11.6 50 8.1 46 19.8 54 8.8 18.0 67 50 15.1 47 59.5 47 30.6 43 19.3 45 11.5 45 49.2 54 22.7 59 55.7 49 39.7 43 40.5 48 29.1 Default Cases/Amounts in Chiba Prefecture 52 19.9 41 (Headquartered in Chiba Prefecture & with debts over ¥10 million) ¥10 over debts & with (Headquartered Prefecture in Chiba 9.5 34 15.7 46 12.1 61 24.5 16.0 61 52 10.6 48 13.7 41 49.3 47 6.2 43 9.9 54 10.7 56 34.9 31 5.0 47.3 726.1 47 53 50 13.0 Economic Conditions (4) Corporate Bankruptcies 42 4.5 37 8.7 Source: Made by Chiba Bank with data from Shoko Research from Shoko data with Bank Chiba by Made Source: 00/4 00/10 01/4 01/10 02/4 02/10 03/4 03/10 04/4 04/10 05/4 05/10 The number of cases and amounts of default of cases and amounts default The number 0 80 60 40 20 160 140 120 100 (¥Bil) 10 Appendix

etc. 1.3% Credit banks, banks, Credit Bank Chiba 36.3% etc. 6.6% Bank Credit banks, banks, Credit Chiba 42.3% banks 17.2% 2nd-tier 2nd-tier regional regional banks 14.2% 2nd-tier 2nd-tier regional regional 05/3 ¥11.1 trillion ¥11.1 05/3 05/3 ¥19.9 trillion ¥19.9 05/3 33.0% banks City banks 12.9% 26.2% 9.7% Regional banks (excluding (excluding Regional Chiba Bank) City banks (excluding (excluding Chiba Bank) dily in Chiba Prefecture etc. 1.2% etc. Credit banks, Bank Bank etc. 6.5% etc. Chiba Chiba 41.8% Chiba Chiba 36.8% Credit banks, banks 17.4% 2nd-tier regional banks 13.7% 2nd-tier regional 33.1% 02/3 ¥18.7 trillion ¥18.7 02/3 City banks City ans has been rising stea 13.2% 26.1% 9.7% (excluding City banks City Chiba Bank) (excluding Regional banksRegional Chiba Bank) Regional banksRegional etc. 0.9% etc. etc. 2.3% etc. Credit banks, Credit banks, Bank Bank Chiba Chiba 39.2% Chiba Chiba 37.6% banks 15.6% 2nd-tier regional banks 17.9% Chiba Bank’s share of lo 2nd-tier regional 26.2% 29.9% 15.8% City banks City City banks City 95/3 ¥11.4 trillion¥11.4 95/3 trillion ¥11.3 02/3 95/3 ¥14.5 trillion ¥14.5 95/3 (excluding Chiba Bank) 14.2% Regional banksRegional (excluding Chiba Bank) Loans Deposits Notes: 1.Figures Prefecture. Chiba in banks of branches the of are places. decimal 2.Figures to two down rounded are above shown JOURNAL KINYU Monthly from data with Chiba Bank by Made Source: Regional banksRegional Business Share of Financial Institutions within Chiba 11 Appendix

Starts

New Housing 2 Starts and Transport Building Construction Floor Area - 59,652 59,144 57,669 52,934 60,471 5,235 4,138 4,674 4,466 5,085 5,606 5,098 5,101 5,549 5,965 5,276 6,194 Ministry of Land, Infrastructure Mini Vehicles New Car Chiba Toyota Motor Chiba Toyota 872 - 8,668 8,594 8,150 7,582 8,673 727 538 767 910 722 986 727 1,247 773 816 666 Corporation & Japan Registrations Chiba Pref. Planning Dept. of 11,126 11,308 151,837 146,967 150,818 145,103 142,429 12,088 11,731 10,367 13,297 19,754 10,204 11,065 11,644 12,574 8,573 14,007 Consumer Price Index Statistics Div., Policy & Policy Div., Statistics - Large usersLarge 96.2 97.1 96.8 96.2 96.2 96.3 96.5 96.6 96.3 96.0 95.9 96.1 100.0 98.8 97.9 97.1 96.8 llion KWhllion 2000=100 Totalm Thousand Chiba Branch Chiba Consumption Electric Power Total - 1,031 949 976 966 961 999 1,023 988 1,026 1,037 998 1,002 11,587 11,558 11,409 11,920 12,100 Tokyo Electric Pow Electric Tokyo er Company, Ratio Inventory Producer's 3,003 - 2,814 2,899 3,205 3,286 3,090 3,079 2,831 2,807 3,122 3,347 3,371 35,240 35,345 35,559 35,820 36,925 Shipment - - 99.8 100.5 98.1 104.3 105.2 99.8 106.3 103.4 107.9 105.7 102.6 100.0 114.1 106.2 103.6 101.0 - - Production 93.8 94.5 97.5 95.0 93.9 100.2 95.2 97.3 94.7 96.4 96.5 100.0 96.5 95.0 93.9 95.6 Total As of Oct 1 2000=100 Mi Statistics Div., Policy &Planning Dept. Chiba Pref. of Population Industrial Production Index - - 92.4 93.3 94.7 93.7 95.0 99.7 96.5 97.0 94.9 95.2 94.4 94.9 93.6 93.2 94.5 Economic Indicators for Chiba Prefecture (1) 200120022003 5,963,514 2004 6,001,020 6,028,315 6,047,388 2000 * 5,926,285 100.0 Source 2004/112004/122005/01 6,049,151 2005/02 6,050,365 2005/03 6,050,603 2005/04 6,050,476 2005/05 6,049,537 2005/06 6,043,861 2005/07 6,055,427 2005/08 6,058,506 2005/09 6,059,169 2005/10 6,059,418 2005/11 6,062,202 - - Economic Indicators Chiba for Prefecture *Source: Population Census FY 2000 Census Population FY *Source: 12 Appendix

Real Wage Index (Number of employees: 30 or more) - - 85.7 85.9 123.2 174.7 86.0 87.4 95.5 86.1 89.7 189.6 88.9 102.6 99.8 98.3 98.9 100.0 x 2000=100 - - 80.9 82.7 109.1 154.9 79.7 84.1 84.0 79.3 82.4 183.7 84.2 97.7 97.8 100.7 98.1 100.0 (Number of employees:or 30 more) - - 94.8 96.1 95.6 93.8 82.7 94.5 94.8 94.5 95.0 95.0 95.1 95.8 100.8 97.1 100.2 100.0 All industries Manufacturing All industries Manufacturing Statistics Div., Policy & Planning Dept. of Chiba Pref. Regular Employment Inde Employment Regular Rate Effective Opening - - 106.5 107.0 106.2 106.7 103.7 105.6 105.4 107.0 108.4 108.7 108.2 107.7 104.8 100.2 101.1 100.0 Job Effective - Openings 0.80 0.80 0.83 0.83 0.86 0.88 0.85 0.83 0.81 0.80 0.81 0.80 0.68 0.55 0.47 0.54 0.48 Labor Market Chiba Labor Bureau Labor Supply Effective 67,087 65,817 64,342 62,417 64,727 65,811 69,762 71,620 68,124 66,537 64,686 69,066 46,475 - 59,300 54,313 49,037 52,738 10 mil) ￥ Million ￥ - 80,749 80,783 81,528 82,278 85,454 86,376 85,371 79,822 76,023 75,350 75,020 81,645 87,902 98,389 104,905 97,106 97,444 Number of Companies (Companies headquartered in 63,598 5,450 12,933 12,178 8,539 12,991 60,954 7,258 56,011 34,779 16,410 43,487 4,654 361,787 147,524 350,456 247,651 889,791 Tokyo Shoko Research, Shoko Tokyo Ltd., Chiba Branch Business BankruptciesBusiness Chiba with total debt ov er 27 15 20 22 31 27 20 22 29 24 36 28 24 407 504 606 574 560 Million ￥ Export Import Trade CustomsTrade Clearance - (Chiba & Kisarazu Port Port) 341,118 323,557 347,219 283,120 274,370 274,134 285,406 265,878 227,275 245,265 266,097 299,864 2,899,042 2,505,445 2,163,659 2,157,092 2,121,206 Economic Indicators for Chiba Prefecture (2) 2004 1,123,341 2003 987,000 2002 1,125,809 2001 874,107 2000 901,210 Source Chiba Customs Branch 2005/11 - 2005/10 102,552 2005/09 114,813 2005/08 82,615 2005/07 103,495 2005/06 113,812 2005/05 127,199 2005/04 121,373 2005/03 125,305 2005/02 109,488 2005/01 89,279 2004/12 102,276 2004/11 102,899 Economic Indicators Chiba for Prefecture 13 (Year) Appendix

(5.7) (4.5) (8.9) (7.0) (8.6) (11.0) Residential Commercial (9.1) (13.3) (9.2) (14.2) e (Chiba Prefecture) (15.8) (10.0) (9.1) (14.9) (4.8) (12.6) (4.9) (14.5) Data from MLIT Data 1 As of January 96 97 98 99 00 01 02 03 04 05 (7.8) (17.9) Published Land Pric 0 (5) (%) (10) (15) (20) en steadily improving since 2000 (Year) (4.8) (4.5) (7.6) (8.9) (9.5) (11.8) Residential Commercial (10.4) (13.4) (10.3) (14.6) (10.8) (15.5) (10.2) (15.3) The trend in land prices has be Land Price Trends in Chiba Prefecture (6.8) (12.9) (4.4) (12.7) Data from Chiba Prefecture from Chiba Data of July 1 As 96 97 98 99 00 01 02 03 04 05 (6.8) (16.3) Land Price Survey (Chiba Prefecture) 0 (%) (5) (10) (15) (20) 14 Appendix

th Tokyo Osaka Income (Ranked 6 (Ranked nationwide) ¥26 trillion Prefectural ¥49 trillion ¥26 trillion Kanagawa ¥18 trillion th thousand thousand thousand thousand starts Tokyo Osaka (Ranked 6 (Ranked nationwide) Number of 85 Kanagawa 60 188 101 new housing th Tokyo Osaka savings (Ranked 7 (Ranked nationwide) Balance of ¥90 trillion ¥53 trillion ¥43 trillion Kanagawa ¥28 trillion 2 2 2 2 th Niigata (Ranked 6 (Ranked nationwide) Liveable land area Hokkaido 4,481 km 4,218 km 3,488 km Fukushima 21,899 km th search Institute, Cabinet Office (FY 2002) (FY Office Cabinet Institute, search Tokyo Osaka Key Data for Chiba Prefecture (Ranked 6 (Ranked nationwide) Population Kanagawa 8.81 million 8.79 million 6.05 million 12.57 million No. 1 No. 2 No. 3 Chiba nationwide nationwide nationwide Sources: and Communications Affairs of Internal Ministry Census: National 2005) December (Released of (As 2003) and Communications Affairs of Internal Ministry Bureau, Statistic land area: Liveable 2004) of March (As Information Services Financial for Council Central The of Savings: Balance (2004) and Transport of Land, Infrastructure Ministry loans: of housing new Number Prefectural Income:Economic andRe Social Management Indices 16 Bil) Appendix ￥ (

1H FY 05 FY 04 Expenses) 1H FY 04 FY 03 1H FY 03 FY 02 1H FY 02 FY 01 1H FY 01 FY 00 Management Indicators 1H FY 00 18.362.7 7.6 32.5 13.1 70.5 5.9 34.5 (25.4) 67.8 9.1 36.8 8.7 71.5 11.7 33.5 27.5 68.4 20.7 35.5 36.3 74.0 24.8 37.4 0.21% 0.18% 0.16% 0.10% (0.33%)0.21% 0.18% 0.16% 0.10% 0.23% 0.11% 0.29% 0.31% 0.46% 0.41% 0.53% (8.11%)5.11% 4.19% 3.58% 2.39% 10.64% 10.08% 8.41% 5.61% 2.80% 6.74% 6.77% 9.53% 10.22% 10.45% 10.18% 10.06% 10.39% 10.24% 10.52% 10.83% 10.78% 10.88% 10.42% 10.88% 10.42% 10.78% 10.52% 10.83% 10.24% 10.06% 10.39% 10.18% 10.22% 10.45% 9.53% FY 99 55.62% 54.87% 53.48% 53.03% 53.80% 52.09% 52.43% 52.62% 52.44% 51.47% 50.80% 51.13% 50.80% 51.13% 51.47% 52.62% 52.44% 52.43% 53.80% 52.09% 53.03% 54.87% 53.48% 55.62% 5 1 2 4 3 Overhead ratio = Expenses / (Net business income + Net transfer to general reserve for possible losses – losses possible for reserve general to transfer Net + income business (Net / = Expenses ratio + bonds Overhead on Gains/losses ROE = Net income / Term-end balance of Stockholders' equity of Stockholders' balance / Term-end income = Net ROE ROA = Net income / Average total assets (excluding Average customers' liabilities for acceptances and guarantees) and acceptances for liabilities customers' Average (excluding assets total / Average income = Net ROA Real net business income = Net income + Net transfer to general reserve for possible loan losses loan possible for reserve to general + transfer Net = Net income income business net Real Above figures are non-consolidated except for Consolidated net income net Consolidated for except non-consolidated are figures Above

*5 *4 *3 *2 *1 ROE* Overhead ratio* Consolidated net income* Capital ratio Capital (BIS guidelines) Tier I ratio I Tier 6.24% 6.34% 6.99% 7.05% 6.35% 6.63% 6.45% 6.71% 6.91% 7.13% 7.21% 7.40% Real net business income* ROA* 17 Appendix

Average (Proportion) RACC RACC Actual yield of lending yield of Actual Capital cost Credit cost Expenses cost Funding balance of loans 6.39% 0.25% 0.15% 0.14% 0.97% (1%) ¥0.1 trillion Consumer Loans 4.86% 4.86% 2.07%

0.16% 0.40% 0.49% (33%) 0.03% ¥1.7 trillion Housing Loans Note: Insurance fees included in expenses for housing loans. housing for expenses in included fees Insurance Note: 1.00% 1.00% 05) business with higher profitability (1H FY 2.13% (51%) 0.17% 0.54% 0.25% companies ¥2.7 trillion Return After Capital Cost (RACC) Small and medium-sized Small and 0.02% 0.02% Return After Capital Cost (RACC) 1.16% 1.16% Shifting management resources into Shifting management 1.01% 1.01% (15%) 0.21% 0.17% 0.21% (0.67%) ¥0.7 trillion enterprises Large & midsized & Large 0.94% 18

Appendix

1.62% 0.80% 1.99% 1.36% 1.90% 0.69% 2.18% 0.95% 2.22% 0.01% 0.96% 0.94% 0.67% 1.89% 1.98% 1.69% 0.87% 2.08% 1.45% 1.99% 0.66% 2.24% 0.97% 2.27% 0.01% 0.80% 0.96% 0.72% 1.98% 2.07% 1.68% 0.97% 2.08% 1.50% 1.99% 0.66% 2.30% 0.97% 2.30% 0.01% 1.13% 0.96% 0.71% 1.98% 2.07% 1.70% 1.00% 2.11% 1.68% 2.01% 0.62% 2.33% 1.01% 2.33% 0.02% 0.98% 0.99% 0.69% 1.99% 2.09% 1.70% 1.04% 2.12% 1.72% 2.02% 0.66% 2.35% 1.01% 2.37% 0.02% 0.94% 0.99% 0.69% 2.00% 2.10% 1.09% 1.77% 2.19% 1.79% 2.09% 0.77% 2.41% 1.07% 2.47% 0.03% 1.13% 1.03% 0.70% 2.06% 2.16% 1.13% 1.79% 2.22% 1.85% 2.12% 0.88% 2.43% 1.06% 2.56% 0.04% 1.14% 1.01% 0.73% 2.08% 2.18% 1.17% 1.91% 2.31% 1.93% 2.24% 0.79% 2.46% 1.19% 2.59% 0.09% 1.25% 1.10% 0.72% 2.15% 2.22% 1.28% 1.95% 2.35% 1.92% 2.30% 0.89% 2.49% 1.20% 2.75% 0.11% 1.39% 1.09% 0.75% 2.19% 2.24% Interest Yields 1.43% 2.11% 2.41% 2.03% 2.40% 1.15% 2.56% 1.34% 2.85% 0.18% 2.22% 1.15% 0.77% 2.22% 2.23% - - 00/3 00/9 01/3 01/9 02/3 02/9 03/3 03/9 04/3 04/9 05/3 05/9 00/3 00/9 01/3 01/9 02/3 02/9 03/3 03/9 04/3 04/9 05/3 05/9 2.29% 2.45% 1.53% 2.21% 1.50% 2.11% - 2.01% 2.38% 1.31% 2.57% 1.37% 2.85% 0.18% 2.23% 1.15% 0.74% 2.20% - ) ) (excluding loansto MOF) (excluding loans to MOF) Average yieldAverage loans on bills and discounted Average yieldAverage on securities 1.90% (Average yield loans(Average on bills and discounted Average yieldAverage on deposits and NCD 0.24% Expense ratio 1.23% Domestic Operations Domestic Contract Rate by Type Borrowers of Major companiesMajor 1.40% Mid-sized companies 2.05% Small medium-sized and companies 2.53% Consumer loans 2.92% Public sectorPublic 2.47% Average yieldAverage interest on assets earning yieldAverage on interest bearing liabilities yield loans on between average Difference and deposits (Difference yield between average on loans and deposits Average interest rate spread rate interest Average 0.76% 19 Appendix

Bil) Bil) ￥￥ ( ( Average balanceAverage Interest yield balanceAverage Interest yield FY 03FY 04 FY 05 FY 1H 03 FY 04 FY 05 FY 1H 03FY 04 FY 05 FY 1H 03 FY 04 FY 05 FY 1H Working Assets and Liabilities Loans and bills discountedSecurities 5,734.6 5,760.5DepositsBorrowed money 5,909.0 2.01% 1,309.5 1.99% 130.6 1,630.3 1.90% 7,222.5 1,848.8 109.2Loans and bills discounted 7,411.0Securities 1.15% 5,690.6 7,719.6 90.8 5,722.6Deposits 1.21% 0.04%Borrowed money 1.88% 5,873.3 1.40% 0.05% 1.89% 2.01% 0.09% 1,054.5 1.84% 1.99% 1,289.7 79.9 1.90% 7,046.7 1,373.9 7,206.3 74.6 0.62% 7,489.7 60.8 0.66% 0.02% 0.69% 1.71% 0.01% 1.77% 0.01% 1.67% Overall Operations Domestic Interest-bearing assetsInterest-bearing liabilities 7,400.5 7,577.7 7,570.3 7,920.8 7,846.8 1.77% 8,254.4 1.78% 0.14%Interest-bearing assets 1.77% 0.14%Interest-bearing liabilities 0.21% 7,125.4 7,254.0 7,299.1 7,489.8 7,531.8 1.70% 7,835.3 1.69% 0.03% 1.62% 0.03% 0.03% 20 Appendix

costs Expense Ratio excluding credit credit excluding Lending Interest Yield on interest interest Yield on bearing liabilities Rate Spreadafter Credit CostRatio Average yield on loans on yield Average 0.94 (0.08) 1.01 1.90 0.96 0.28 0.03 1.99 0.72 0.99 0.54 0.03 0.03 2.01 0.45 excluding credit costs) Expands 1.03 0.62 2.09 0.06 0.38 1.10 2.24 1.34 0.12 (0.32) 1.15 0.25 0.89 2.40 0.11 1.23 0.34 0.62 2.45 0.26 Lending Interest Rate Spread (after Lending Interest Margin and Credit Costs 1.31 1.92 Notes: Domestic operations costs credit net and of loans balance term-end with calculated is ratio cost 05/3,Credit From (1.26) 99/3 00/3 01/3 02/3 03/3 04/3 05/3 05/9 0.50 2.47 (%) 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 21 Bil) Bil) Appendix ￥￥

( 05/9 ( 05/9 after partial after partial direct write-offs direct write-offs direct 05/9 05/9 before partial before partial before direct write-offs direct write-offs 05/3 05/3 after partial after partial direct write-offs direct write-offs 05/3 05/3 before partial before partial direct write-offs direct write-offs 04/9 04/9 after partial after partial direct write-offs direct write-offs 04/9 04/9 before partial before partial direct write-offs direct write-offs direct 04/3 04/3 after partial after partial direct write-offs direct write-offs 04/3 04/3 before partial before partial direct write-offs direct write-offs Domestic Loans 208.9 208.5 197.3 184.5 175.2 177.9 174.9 170.2 170.6 168.4 165.1 162.9 165.9 164.6 369.2 542.8 626.0 634.9 613.8 688.5 628.7 628.7 541.5 541.5 681.7 673.7 543.1 535.0 01/3 01/9 02/3 02/9 03/3 03/9 01/3 01/9 02/3 02/9 03/3 03/9 4,441.3 4,416.9 4,365.0 4,301.9 4,269.3 4,353.3 4,425.1 4,338.8 4,474.4 4,397.0 4,535.6 4,478.5 4,609.9 4,561.8 2,967.8 2,912.1 2,810.6 2,714.8 2,636.3 2,653.91,473.5 2,658.6 1,504.7 2,577.3 1,554.3 2,666.7 1,587.1 2,593.1 1,632.9 2,660.6 1,699.3 2,605.9 1,766.4 2,679.9 1,761.5 2,634.5 1,807.7 1,803.9 1,875.0 1,872.5 1,929.9 1,927.2 d ze i um-s di me d an ll Small and medium-sized Small companies loans Consumer ma S companies* Public sector (including public corporations) Major companies companiesMid-sized 551.2 517.8 540.6 539.9 530.2 529.7 527.8 524.4 533.0 530.1 550.3 550.3 529.8 529.8 Chiba PrefectureIn Others 4,834.3 4,775.2 4,734.7 4,682.7 4,639.8 4,695.9 4,718.9 4,638.3 4,739.2 4,663.9 4,794.4 4,731.3 4,852.7 4,796.5 736.4 910.8 994.3 978.7 948.8 1,053.6 1,037.7 1,024.0 980.5 973.2 1,138.5 1,134.2 996.0 994.7 Domestic loans 5,570.8 5,686.0 5,729.0 5,661.4 5,588.6 5,749.6 5,756.7 5,662.3 5,719.7 5,637.2 5,932.9 5,865.5 5,848.8 5,791.3 *Including individual business owners Domestic loans 5,570.8 5,686.0 5,729.0 5,661.4 5,588.6 5,749.6 5,756.7 5,662.3 5,719.7 5,637.2 5,932.9 5,865.5 5,848.8 5,791.3 Bil) Bil) 22 ￥￥ ( ( Appendix

composition composition *Before amendment: 1,156.6 2.3 2.9 1.07% 44.4 39.4 14.37% 235.4 232.0 84.56% 583.3148.5 705.5163.2 147.1 54.98% 103.4 199.0 11.47% 105.6 116.5 15.52% 114.8 9.08% 8.95% 05/3 05/9 05/3 05/9 Total 282.2 274.4 100.00% Total 1,104.3 *1,283.2 100.00% Details of Loans to the RealEstate Industry Details of Loans to the ConstructionIndustry companies Major companies Mid-sized condominium and rentals Apartments Public corporations Offices and Commercial rentals development and Home construction management and rental agency, estate Real Small and medium-sized companies medium-sized Small and Bil) ￥ (

Composition 7.56% 0.33% 4.74% 0.12% 0.36% 3.09% 9.62% 3.01% 22.16% 9.17% 5.95% 33.89% 100.00% 7.3 20.8 23.8 436.9 282.2 179.5 548.1 230.5 501.3 481.4 05/3 05/9 1,104.3 2,048.9 437.8 274.4 179.1 557.0 174.4 1,283.2 530.8 344.8 1,962.7 18.8 7.2 20.7 5,791.3 Loans, Borrowers Classified by Industry Total 5,865.5 for a more precise classification of consumer loans. of consumer classification precise more a for Note: As of September 30, 2005, the Bank has reviewed borrowers’ reviewed has Bank the 2005, 30, of September As Note: classification industry Domestic OperationsDomestic Manufacturing Agriculture, Forestry, Fishery and Mining Fishery Forestry, Agriculture, Construction and Water Supply Heat Gas, Electricity, and CommunicationsInformation Transport Tradeand Retail Wholesale Finance and Insurance Real Estate ServicesVarious and Local Government Public Sector consumer (Mainly Loans) Others ）） Bil Bil 23 （￥（￥ Appendix

Domestic Deposits 00/3 00/9 01/3 01/9 02/3 02/9 03/3 03/9 04/3 04/9 05/3 05/9 00/3 00/9 01/3 01/9 02/3 02/9 03/3 03/9 04/3 04/9 05/3 05/9 PersonalCorporateNon-profit organizationsFinancial institutions & localNational governmentBank of Japan 79.5 355.3Personal 148.3Corporate 319.8 4,779.6 55.0 1,179.6Non-profit organizations 4,855.4 309.3 1,184.2 57.3 4,994.1Financial institutions 35.4 1,191.6 5,155.3 & 271.5localNational government 152.5 1,161.7 5,291.1Bank of Japan 1,166.8 41.4 42.9 468.7 5,324.7 107.6 1,162.8 32.9 5,395.3 225.2 371.9Personal 1,157.6 138.9 35.8 5,480.9 11.2 1,174.7Corporate 109.0 5,511.3 1,843.2 60.3 366.7 31.3 1,180.1Non-profit organizations 5,576.2 87.5 1,914.2 29.9 25.7 669.3 192.7 1,221.0 282.9 5,642.5 2,031.6Financial institutions 23.6 22.0 152.7 1,279.8 5,760.6 2,157.6 676.5 & 25.7 117.0localNational government 10.9 345.8 1,322.3 2,526.3 107.0 75.6 34.3 715.7 42.9 424.9 2,655.1 274.5 23.3 35.3Personal 46.6 2,787.1 155.4 122.2 700.8Corporate 86.2 308.8 33.7 2,884.1 11.2 403.8 30.4 12.1Non-profit organizations 187.9 2,957.0 2,918.3 88.0 831.8 96.4 118.3 307.1 361.9 Financial institutions 8.8 3,032.4 2,920.6 28.2 25.7 506.5 20.3 25.4 868.3 118.7 & 252.7localNational 3,103.9 97.1 2,943.1 government 33.7 67.8 3,241.2 2,971.2 504.6 24.5 10.9 883.7 8.3 321.4 149.0 20.9 2,720.8 132.5 8.9 76.3 472.1 2,623.1 0.0 903.4 245.4 22.3 35.3 7.8 43.6 21.9 2,570.1 7.1 87.6 456.0 12.3 21.4 913.2 2,547.3 385.5 14.9 29.6 12.1 0.0 132.1 18.0 2,493.0 63.0 22.8 20.9 330.3 947.5 12.0 20.5 325.5 2.0 2,471.3 3.6 1,004.1 19.4 25.4 5.0 289.5 2,461.8 74.9 20.6 59.4 19.4 0.0 1,043.5 20.8 19.6 2,450.6 1.7 266.9 3.0 103.1 19.7 19.2 30.1 8.9 0.0 5.4 12.1 20.1 0.5 261.1 20.4 1.2 3.6 26.3 24.3 12.3 257.7 0.0 19.3 0.2 0.0 16.8 43.9 29.0 265.2 1.0 12.0 4.9 23.2 0.0 0.0 0.0 266.5 46.3 18.1 20.8 0.8 21.5 4.5 269.5 0.0 0.0 0.0 38.0 36.3 12.1 15.5 0.9 4.9 0.0 49.4 0.0 0.0 1.2 6.9 61.2 0.0 0.0 0.0 10.1 1.4 72.4 0.0 0.0 0.0 76.6 9.0 4.0 0.0 0.0 0.0 68.8 8.1 0.0 0.0 0.0 8.9 0.0 9.1 Liquid depositsLiquid 2,845.0Time deposits 2,793.4 3,023.7 3,095.9 3,932.9 3,987.5 4,093.8 4,211.4Foreign-currency deposits 4,311.2 3,602.6 4,389.4 3,709.7 4,609.9 3,553.4 4,742.4 3,654.8 44.3 3,118.0 2,997.5 51.5 2,917.2 2,859.7 42.3 2,795.4 Chiba PrefectureIn 2,790.1 2,769.6Others 37.2 2,776.1 48.6 51.3 6,245.7 6,320.1 45.0 6,384.8 6,567.4 59.6 6,876.2 6,827.4 70.3 6,840.8 246.4 6,911.8 80.6 6,973.1 234.6 7,056.3 234.7 7,254.4 85.7 7,377.6 220.6 77.9 223.3 208.9 215.3 219.0 203.9 203.8 211.1 219.0 Domestic deposits 6,492.1 6,554.7 6,619.5 6,788.0 7,099.6 7,036.4 7,056.2 7,130.8 7,177.0 7,260.2 7,465.5 7,596.6 Domestic deposits 6,492.1 6,554.7 6,619.5 6,788.0 7,099.6 7,036.4 7,056.2 7,130.8 7,177.0 7,260.2 7,465.5 7,596.6 24 Appendix

< >: >: Increase/decrease < As of Sep 05 <+ ¥336.4billion> <+ ¥97.1 billion> <+ ¥97.1 <+ ¥184.4 billion> <+ ¥184.4 ¥2,750.9 billion ¥5,760.6 billion auto-salary transfer auto-salary Personal Deposits Accounts with auto- pension-transfer and ¥7,596.6 billion Domestic Deposits (as of Sep 05) from 794K (as of Sep 04)) (as from 794K Sep 05) (as of at Chiba Bank at Chiba Bank Deposit Balances Deposit Balances ease steadily thanks to the expansion of the personal customer base customer personal to the expansion of thanks ease steadily Expansion of Personal Deposits ¥2,653.7 billion ¥5,576.2 billion As of Sep 04 Personal Deposits ¥7,260.2 billion auto-salary transfer auto-salary Accounts with auto- pension-transfer and Domestic Deposits (The number of pension payment accounts increased to 328K (as of Sep 05) from 312K (as of Sep 04) and the the and 04) Sep of (as 312K from 05) Sep of (as 328K to increased payment accounts pension (The number of 813K to increased accounts receipt number of payroll Domestic deposits continued to incr 25 Bil) Bil) Bil) Bil) ￥￥￥￥ Appendix ( ( ( (

200.5 240.0 278.3 154.3 174.1 186.5 ts, Personal Annuities and Public Bonds) Financial Products (Investment Trusts, Foreign-Currency Deposi Bond fundsStock fundsBond fundsStock funds 80.0 100.6 3.9 93.7 65.5 6.3 113.9 3.1 89.6 86.3 9.8 84.9 5.3 72.1 11.6 101.7 53.4 22.0 9.1 80.7 40.6 78.0 11.0 67.4 121.8 36.7 21.6 49.2 181.6 30.8 228.7 76.9 37.0 284.1 120.0 29.4 33.4 332.1 179.5 26.5 384.9 226.0 27.8 279.9 26.9 326.5 24.0 378.9 PersonalCorporateNon-profit organizations 0.0 0.0 18.0 3.6 0.0 20.6 19.2 3.0 0.5 26.3 3.6 0.0 43.9 4.9 0.0 46.3 4.5 38.0 0.0 49.4 4.9 0.0 61.2 6.9 0.0 72.4 10.1 0.0 76.6 9.0 68.8 0.0 8.1 0.0 8.9 9.1 Personal Investors 68.6 95.0 94.1 112.8 102.3 144.3 169.3 216.6 259.4 307.7 353.4 403.0 aibe------6.211.422.846.265.891.7 ------42.981.3131.9 Variable Fixed Financial institutions &National local governments 7.8 22.8 14.9 19.4 5.0 5.4 0.0 0.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 Non-financial customers 21.6 23.7 22.9 31.8 48.4 51.3 44.9 59.5 70.2Personal 80.5 85.6 77.9 45.3 55.3 86.4 96.9 151.2 171.7 148.9 147.0 138.5 139.9 146.3 154.0 esnlaniis ------49.292.8154.7 annuities* Term-end ofInvestment trusts 83.9 00/3 106.8Term-end of 00/9 103.5Foreign-currency deposits 01/3 125.5 108.3 01/9 150.1 44.3 02/3 175.2 51.5 222.3 02/9 42.3 265.5 00/3 03/3 314.9 37.2 00/9 03/9 361.6Term-end of 48.6 01/3 411.4 Personal 04/3 51.3 01/9 04/9 45.0 02/3 from Oct. are 2002. accumulation an *Totals 05/3 59.6 02/9 05/9 Term-end of 70.3 03/3Public bonds 00/3 80.6 03/9 00/9 85.7 04/3 01/3 77.9 04/9 01/9 05/3 02/3 00/3 05/9 47.0 02/9 00/9 57.1 03/3 01/3 89.2 03/9 01/9 99.8 04/3 02/3 160.7 04/9 02/9 214.6 05/3 195.1 03/3 181.8 05/9 03/9 167.7 04/3 170.1 174.7 04/9 184.3 05/3 05/9 26 60% 50% 40% 30% 20% 10% 0% Appendix

(Projection) 2.1 18.0 17.4 51.13% 1H Result 3.9 36.0 33.7 73.7 50.8% 3.6 74.1 37.1 33.2 52.4% Tax Tax 3.7 38.8 33.0 75.6 52.4% Personnel Expenses Personnel Expenses OHR and Expenses Non-Personnel Expenses Non-Personnel Non-Personnel Expenses Non-Personnel OHR 4.1 40.4 33.2 53.8% 4.2 78.0 77.8 41.2 32.5 53.4% 4.1 81.4 42.3 34.9 FY 99 FY 00 FY 01 FY02 FY 03 FY 04 FY05 55.6% Management Structure 0 50 100 (¥Bil) 3,433 Cost Reduction 3,498 3,623 Maintain Slim & Robust 3,760 (Full-time employees only) (Full-time employees 3,892 Number of Total Employees 00/3 01/3 02/3 03/3 04/3 05/3 4,024 4,000 3,500 3,000 (Persons) 27 Appendix

100% 80% 60% 40% 20% 0% 81.8 36.8% 141.5 223.4 44.6 145.0 39.9% 189.6 Amount of stocks held(on B/S) Actual booked value gains/losses Unrealized Ratio ofof amount stocksheld to TierI 46.6 145.5 43.4% 192.1 (19.9) 148.7 48.7% 128.8 Stock Portfolio 8.5 Amount of Stocks Held and Tier I Ratio 163.4 52.8% 172.0 10.6 01/3 02/3 03/3 04/3 05/3 05/9 199.9 58.8% 210.6 0 50 400 350 300 250 200 150 100 (50) (¥Bil) 28 Appendix

Bil) ￥

( Total Total Total 5,915.7 5,915.7 w (Non-consolidated) 753.4

4,854.7 5,106.1 4,854.7 *Normal

Normal 5,663.3 Other ial Reconstruction La 779.5 226.5 552.9 922.3 56.1 9.6 43.7 21.6 142.8 133.2 113.7 Requiring Caution 57.4% Substandard Substandard - 12.1 12.1 47.4 52.1 59.5 35.2 111.7 111.7 Claims 84.8% Doubtful Bankrupt Potentially - 2.5 2.5 3.6 22.6 16.4 Bankrupt Effectively 26.8 3.9 22.9 100.0%

- Substantially Substantially Bankrupt and 4.2 0.5 3.3 0.2 Bankrupt Bankrupt lts and Disclosed under the Financ Claims 126.2 252.3 outstanding

I II II III IV Classification of ber 30, 2005) 74.1% obligors and amounts amounts and obligors Classification of Loans Disclosed under Self-Assessment and Coverage ratio Coverage ratio Reserves 60.7 Reserves Coverage collateral by obligors and amounts outstanding and guarantees and Classificationtype by

Self-Assessment Resu (As of Septem the Financial Reconstruction Law (1) As of Sep 30, 2005 Bil) Bil) 29 ￥￥ ( ( Appendix

Reconstruction Law (Non-consolidated) Self-Assessment Results (Non-consolidated) 28.2 125.6 120.7 121.4 225.8 218.7 200.2 168.7 150.3 139.6 122.1 113.7 347.2 464.1 452.6 438.4 556.4 529.4 528.6 477.1 361.4 311.5 276.0 252.3 172.6 163.3146.3 148.3 175.2 134.2 183.6 152.9 182.6 134.6 177.7 177.0 176.0 175.9 151.3 171.5 132.3146.3 135.6 175.2172.6 39.4 122.5 183.6 163.3 36.2 111.7 182.6 148.3 31.3 177.7 134.2 26.8 176.0 152.9 151.3 134.6 132.3 177.0 175.9 39.4 171.5 36.2 135.6 31.3 122.5 26.8 111.7 5.98% 7.91% 7.80% 7.43% 9.37% 9.05% 9.17% 8.06% 6.23% 5.39% 4.59% 4.26% 00/3 00/9 01/3 01/9 02/3 02/9 03/3 03/900/3 04/3 00/9 04/9 01/3 05/3 01/9 05/9 02/3 02/9 03/3 03/9 04/3 04/9 05/3 05/9 1,596.7 1,524.51,277.7 1,403.1 1,185.9 1,311.0 1,071.2 1,237.9 1,159.0 994.0 1,197.74,206.4 907.3 1,255.1 4,341.9 1,104.9 848.35,803.1 4,396.0 1,028.0 5,866.4 4,586.7 869.3 5,799.2 993.9 4,695.9 5,897.7 1,060.9 946.8 4,685.8 5,933.9 4,564.0 893.9 5,844.8 4,657.5 5,761.7 4,695.9 856.1 5,912.7 4,747.8 840.0 5,800.8 5,007.6 5,775.8 4,854.7 922.3 6,001.6 5,915.7 5,455.9 5,402.25,803.1 5,346.5 5,866.4 5,459.3 5,799.2 5,377.4 5,897.7 5,315.4 5,933.9 5,233.1 5,844.8 5,435.6 5,761.7 5,439.4 5,912.7 5,464.3 5,800.8 5,725.6 5,775.8 5,663.3 6,001.6 5,915.7 Loans Disclosed under Self-Assessment Disclosed Claims under the Financial under Disclosed Claims Total Total and the Financial Reconstruction Law (2) Changes Assets Requiring Caution Assets Requiring Assets Bankrupt Potentially Bankrupt and Effectively Bankrupt As s ets and Substantially Bankrupt Claims Bankrupt Claims Doubtful ClaimsSubstandard *Including loans with no debtor classification. *From 04/3, disclosed claims are after partial direct write-offs. direct partial after are claims disclosed 04/3, *From Assets Requiring Caution or worse or Caution Assets Requiring Normal Assets* Disclosed Claims the under Law Reconstruction Financial Normal Claims Proportion to total claims 30 Appendix

(¥Bil) Payment 51.3 64.0 5.4 Assets +82.2 Normal Caution Requiring Downgraded 15.3 188.1 Interim FY 05 19.5 (from March 05 to September 05) September to 05 (from March New New Made Loans Payment 107.5 54.7 21.8 of Assets Requiring Caution Assets (53.8) Normal Caution FY 04 Requiring Downgraded 41.9 123.2 5.2 (from March 04 to March 05) March to 04 (from March (including Substandard loans) New New Made Loans Payment 107.4 75.1 11.3 Analysis of yearly net change Assets +24.5 Caution Normal FY 03 Requiring Downgraded 44.2 209.9 30.0 (from March 03 to March 04) March to 03 (from March New New Made Loans Factors for Fluctuation in Assets Requiring Caution 31 400 300 200 100 0 (Cases) Appendix

51 0.6 87 1.7 99 1.3 Number of recoveries Number of 154 4.0 4.4 178 5.0 261 6.5 294 (Included in the left-hand in the left-hand chart) (Included 6.0 303 Amountrecoveries of Recoveries through Auctions 5.1 239 1H/01 2H/01 1H/02 2H/02 1H/03 2H/03 1H/04 2H/04 1H/05 8 6 4 2 0 16 14 12 10 (¥Bil) 500 400 300 200 100 0 (Cases) 4.9 186 6.2 224 9.8 310 Disposal of Collateral Number recoveries of 363 11.2 386 10.2 463 10.8 453 11.3 Recoveries through Sales 466 10.4 Amount recoveries of 410 10.3 1H/01 2H/01 1H/02 2H/02 1H/03 2H/03 1H/04 2H/04 1H/05 8 6 4 2 0 20 18 16 14 12 10 (¥Bil) 32 03/9 Appendix

e compared with Increase/decreas 20 - (As of September 30, 2005) of September 30, (As UFJ Bank 9 - Keiyo Bank 114 (1) Mizuho BankMizuho 31 (5) Chiba Bank* 150 + 2 Resona Bank 13 (2) Name of bank 05/9 Chiba Kogyo Bank 70 - Bank of Tokyo-Mitsubishi 17 (1) *Excluding Loan Plazas and Including 2 virtual branches 2 virtual and Including Plazas Loan *Excluding Sumitomo Mitsui Banking Corporation Banking Sumitomo Mitsui Number of Offices in Chiba Prefecture in Number of Offices Chuo Securities Chuo ▲ Branch Network (Other 3 offices are outside Chiba & Tokyo) Chiba outside are offices 3 (Other Chiba Bank’s Branch Network (Domestic) 33 Appendix

Share- holdings 58,322 48,086 38,893 29,177 28,905 25,678 15,579 13,842 13,148 12,893 Number of shares (in thousands) (in shares of Number Numberof Units unit (1 =shares) 1000 Japan Trustee Services Bank (Trust Account) (Trust Bank Services Trustee Japan MasterTrust ofThe Bank (Trust Japan Account) The Bank Mitsubishi of Tokyo Life InsuranceNippon Company InsuranceNIPPONKOA Company Company Insurance Life Mutual Dai-ichi The Yasuda Life InsuranceMeiji Company Sumitomo Life Insurance Company Association Shareholding Employees' Bank Chiba Bank UFJ 100.00% 839,208 100.00% Share- holdings 57,881 56,487 38,893 29,177 28,905 25,678 15,579 13,842 13,790 11,087 80,124 21.47% 181,254 21.59% 139,987 16.68%164,199 19.57% 138,212 16.47% 180,471 21.50% 52.61% 415,261 49.50% 408,508 48.68% 13.71% 109,680 13.07% 103,386 12.32% (Proportion) (Proportion) (Proportion) 04/9/30 05/3/31 05/9/30 Japan Trustee Services Bank (Trust Account) (Trust Bank Services Trustee Japan Master TrustThe ofBank (Trust Japan Account) The Bank Mitsubishi of Tokyo Life InsuranceNippon Company InsuranceNIPPONKOA Company The Dai-ichiMutual Life Insurance Company Yasuda Life InsuranceMeiji Company Sumitomo Life Insurance Company Shareholding Association Employees' Bank Chiba State Street Bank and TrustCompany Share- 63,374 55,588 38,893 29,177 28,905 25,678 15,579 14,346 13,842 12,893 holdings Composition of Shareholders 04/9/30 05/3/31 05/9/30 Total 838,923 100.00% 839,051 Trust banks 201,084 23.97% 1 National and local governmentslocal 0.00% 16 and National Financial institutions 9 0.00% 9 0.00% 441,341 Securities companiesSecurities Other companiesForeign investorsIndividuals and others 8,963 1.07% 9,915 1.18% 139,509 115,013 134,081 8,622 1.03% 16.63% 15.98% Principal Stockholders The Master Trust ofThe Bank (Trust Japan Account) The Bank Mitsubishi of Tokyo Life InsuranceNippon Company InsuranceNIPPONKOA Company Company Insurance Life Mutual Dai-ichi The Yasuda Life InsuranceMeiji Company Shareholding Association Employees' Bank Chiba Sumitomo Life Insurance Company Bank UFJ Japan Trustee Services Bank (Trust Account) (Trust Bank Services Trustee Japan 34 12.3 28.1 21.5 16.4 21.5 Appendix

19.5 16.6 13.0 29.2 21.4 13.7 15.9 29.7 16.6 23.9 14.1 30.9 16.8 24.4 13.5 17.5 15.4 32.5 23.9 10.4 8.6 14.5 17.7 37.0 21.9 7.3 18.8 21.2 7.4 19.0 14.5 14.7 37.7 37.7 21.1 14.4 8.0 20.1 19.7 37.6 18.4 19.9 14.8 36.0 10.6 Share sell-offs 4.9 22.1 16.0 40.2 16.5 5.9 22.3 40.6 16.8 14.2 3.0 23.1 46.1 17.0 10.5 9.6 4.8 22.7 47.1 15.5 4.4 23.2 10.0 15.7 9.7 4.6 46.5 46.5 15.5 9.8 23.4 23.4 47.0 15.2 4.4 4.4 46.5 10.2 4.7 23.7 23.7 46.1 10.3 14.9 14.9 24.1 45.9 10.4 15.2 9.2 4.2 4.2 24.7 46.3 15.4 Changes in Composition of Shareholders 8.9 3.9 Personal investors, others Trust banks Foreign Investors Financial institutions(excl. trustbanks, incl. securitiescompanies) Domestic enterprises 24.9 46.4 15.7 3.8 25.2 15.8 8.6 8.6 3.3 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 46.3 46.3 16.0 5 0 50 45 40 35 30 25 20 15 10 (%) 35 Appendix

ds “Creating Value”, 100 weeks of Challenge and and Challenge of weeks 100 Value”, “Creating ds Recent News Chibagin Forum” Business China) (agenda: Chibagin Business Forum”Chibagin Business (agenda:IT) Chibagin Forum” Business IT) (agenda: IC Cash Card”, “Chibagin Super Card (combined-type)” Super IC Cash Card”, “Chibagin rd st nd Chiba CLO loan and CLO Investment Trust carried out carried Trust Investment CLO and loan Chiba CLO nd Innovation” organization headquarters the of revision and corporate customers) Oct. 3Oct. Max” 3Oct. “Overdraft Started 2000”“Assist and Corporation) with Chiba cooperation Credit Guaranty (loan in 3Oct. “Chibagin Mini” Started Business Loan Kasai Branch Opening for Office Preparing Established Apr. 1 plan, ‘Towar management new medium-term Launched Jun. 8Jun. “2 Held Feb. 8Feb. DisclosedQuarter 3rd Resultsfor FY 04 Feb. 7Feb. Deposits Payment/Settlement Started 1Feb. Business Agency Securities Started Aug. 5 Results for 05 FY Quarter Disclosed 1st Dec. 9 Meeting” Dec. 7 Matching Marines Business Held “Chiba Lotte Plan“ “Relationship Banking on Promotion Announced progress Oct. 17 Oct. for Service Banking (Internet WEB-EB via issuance/amendment L/C and Telegraphic Transfer Started Oct. 17 Started “ Apr. 11 Bank the by issued “Chibagin card Established Super credit Card”, Jan. 18Jan. Held “1 May 23May 04 for FY Results Financial Announced Feb. 24 2 Aug. 30Aug. Plan“ Promotion Banking “Relationship Launched Nov. 30Nov. 22 Public Announced Offering 05 FY for Results Financial Nov. 16Interim Announced Held“3 2005 2005 Dec. 15 in China” Meeting Held Matching “Business Inquiries related to this presentation should be addressed to The Chiba Bank, Ltd. Corporate Planning Division Investor Relations

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