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The Chiba Bank, Ltd. Prospering with Our Region and Beyond

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The Chiba Bank, Ltd. Prospering with Our Region and Beyond The Chiba Bank, Ltd. Annual Report 2008 Year ended March 31, 2008 Prospering with Our Region and Beyond Our Operating Area Chiba Prefecture, our operating base, is located in the Tokyo Metropolitan Area. The total prefectural income of this area, consisting of Tokyo, Chiba, Saitama and Kanagawa, is 32 percent of the national figure. And Chiba Pre- fecture is one of Japan’s leading prefectures in terms of shipments, production and marketing in sectors such as commerce, manufactur- ing, fisheries and agriculture. In terms of industrial profile, too, Chiba Ibaraki Prefecture has a very balanced economy. Prefecture Saitama With a population of over 6 million people, Chiba Prefecture has great Prefecture potential as an operating base. We can expect further sustained growth in Narita the future in light of the population growth rate, one of Japan’s highest. Tokyo Makuhari Chiba Chiba Prefecture is an important industrial and economic base and gate- way into Japan by air and sea. Narita International Airport and Chiba Port Kanagawa Prefecture are international trade ports whose volume of goods handled are the largest Chiba Prefecture and second-largest, respectively, in Japan. More recently, with the development of tourism in the prefecture, and the emergence of venture businesses to carry the local economy into the future, Chiba Prefecture is one of Japan’s most promising domestic markets. Population of Chiba Prefecture Business share of banks operating in Chiba (As of March 31, 2007) (10 thousand) 700 8.6% 24.0% 36.6% 605 610 23.0% 8.9% 600 579 592 F 555 G A E 500 514 A Deposits Loans 400 Total: 14.1% D Total: 300 8.9% F ¥34.9 trillion ¥13.9 trillion B 200 E C D 23.8% B 6.5% C 11.9% 100 19.9% 8.1% 0 5.8% 85 90 95 00 05 07 A Chiba Bank B City Banks C Regional Banks (excluding Chiba Bank) D Second-tier Regional Banks E Shinkin Banks F JA Banks, other G Japan Post Bank Source: MONTHLY KINYU JOURNAL Financial Highlights Thousands of Consolidated Millions of Yen U.S. Dollars (Note) Years Ended March 31 2008 2007 2006 2008 For the Year Total Income ¥ 274,252 ¥ 270,310 ¥ 240,014 $ 2,737,321 Total Expenses 192,792 181,386 153,807 1,924,264 Net Income 45,980 52,538 48,927 458,935 At Year-End Total Assets ¥9,835,939 ¥9,736,917 ¥9,802,061 $98,172,863 Loans and Bills Discounted 6,624,687 6,377,598 6,139,665 66,121,246 Securities 2,045,011 2,416,149 2,635,218 20,411,334 Deposits 8,504,095 8,479,222 8,118,802 84,879,679 Net Assets 580,168 598,822 — 5,790,687 Total Stockholders’ Equity — — 531,954 — Common Stock 145,069 145,069 145,069 1,447,940 Note: U.S. dollar amounts are shown solely for the convenience of readers of this Annual Report and are translated at the rate of ¥100.19 to $1.00 effective on March 31, 2008. Deposits Loans and bills discounted Total income Net income (Consolidated) (Consolidated) (Consolidated) (Consolidated) (¥ Billion) (¥ Billion) (¥ Billion) (¥ Billion) 10,000 8,000 300 60 274 270 52 8,479 8,504 6,624 250 50 8,000 8,118 6,377 240 48 7,677 6,000 6,139 45 7,346 5,645 5,844 218 200 208 40 6,000 36 4,000 150 30 27 4,000 100 20 2,000 2,000 50 10 0 0 0 0 FY 03 04 05 06 07 FY 03 04 05 06 07 FY 03 04 05 06 07 FY 03 04 05 06 07 The Chiba Bank, Ltd. Annual Report 2008 1 Message from the President The Chiba Bank Group is a regional banking organization based primarily in Chiba Prefecture. Our mission is to meet the needs of customers and contribute to the development of our region. These words express the entire Chiba Bank Group's continuing commitment to regional prosperity and customer satisfaction through such measures as providing quality financial products and services. Tadashi Takeyama, President The Business Environment In the first half of the year ended March 2008, the Japanese economy remained on a gradual expansionary trend, driven by high business earnings. However, the economy decelerated in the second half under the impact of reduced hous- ing investment and sharply higher raw material prices. Similarly, the regional economy of Chiba Prefecture followed a gradual recovery trend in the first half and marked time in the second. However, I see Chiba Prefecture as an extremely fortunate region. Its popu- lation continues to expand, in part because of development along the Tsukuba Express rail line, and the completion of a new high-speed rail link to Narita in 2010 will also bring important benefits. These and other factors are expected to bring continuing growth for the region. Japan faces far-reaching changes in its social and economic structures. In addition to the effects of deregulation and the mass-retirement of baby-boom- ers, Japan is also being transformed by demographic aging and a falling birth rate. Furthermore, government is considering the consolidation of the existing prefectures into regional states. Moves toward deregulation in the banking sector include the full deregula- tion of over-the-counter sales of insurance. While these changes have brought new business opportunities, we have also been required to enhance our internal management system to meet requirements under the Basel II framework and the new Financial Instruments and Exchange Act. There have also been radical changes in the competitive environment, including the emergence of the Japan Post Bank. Progress under the Medium-Term Management Plan These are the conditions under which we are implementing our current medium- term management plan, which covers the two-year period from April 2007 to 2 The Chiba Bank, Ltd. Annual Report 2008 Real net business income March 2009. The theme for this plan is “Going Forward with the Region: 100 Weeks of Trust and Growth.” In this plan we have defined our future vision for (¥ Billion) 100 the Chiba Bank Group as an organization capable of achieving sustainable growth in partnership with all stakeholders. We are working to realize that vision 80 83.9 77.2 74.0 75.2 by earning strong regional support as an integrated financial services group. We 68.4 have also identified three management issues: the reinforcement of our corpo- 60 rate management systems, the expansion of our business base, and contribu- 40 tion to the development of the regional society. The Chiba Bank Group is work- ing to achieve these goals. 20 Our efforts to strengthen our corporate management systems reflect our rec- ognition of regulatory compliance as the foundation for all business operations. 0 FY 03 04 05 06 07 We are implementing a range of initiatives to build and maintain a high level of compliance awareness throughout The Chiba Bank Group. There have been a various changes in the regulatory environment, including the full deregulation of over-the-counter insurance sales and the enforcement of the new Financial Instruments and Exchange Act. Because of these changes, combined with the expanding scope of our business activities, we need to comply with a growing number of laws and regulations. We must continue to build con- fidence and support in regional communities by ensuring full compliance with all of these requirements. Net credit cost The new medium-term management plan (¥ Billion) Management goal 40 Establish an “integrated regional financial services group” that is highly approved of. 30 30.9 Management issues I Strengthen the corporate management system 20 Strengthen the compliance system and structure 16.5 a slim yet robust management system. 10 3.6 2.0 0 （2.1） Management issues II Management issues III Expand the business base Contribute to the development of the FY 03 04 05 06 07 regional society Expand operating areas, customer bases and products, and improve the quality of services. Going forward with the development of the regional society. Targets and results of the medium-term management plan FY 2006 Non-consolidated Non-consolidated Net Consolidated Return on Equity Overhead Ratio Tier I Ratio Net Income Business Income Net Income (ROE) (OHR) ¥77.2 billion FY07Results ¥52.5 billion (core ¥83.2 billion) 0.51% 8.81% 48.82% 9.29% FY08Target ¥55.0 billion ¥95.0 billion ¥58.0 billion Over 9.0% Below 50% Over 11.0% The Chiba Bank, Ltd. Annual Report 2008 3 To expand our business base, we need to increase market share in our main territory, Chiba Prefecture, and to build a second territory in the eastern part of the Tokyo metropolis. We aim to achieve these goals by aggressively develop- ing our branch network. We also plan to expand into neighboring prefectures, including the southern part of Ibaraki Prefecture and eastern part of Saitama Prefecture. Another priority is the functional enhancement of our branches to meet the needs of our customers. For example, we are opening consulting-type outlets in Chiba Prefecture to provide consulting services seven days a week. In the area of retail, we will maintain active marketing programs for our hous- ing loans and investment products, including investment trusts. Our Group includes a securities company, and the Chiba Bank is also able to provide trust services, including inheritance-related services. We want our branches to be one-stop access points for a wide range of financial products and services. We have taken an important step toward the achievement of that goal by introducing sales of whole-of-life insurance, medical insurance and cancer insurance, which is now possible following the full deregulation of insurance sales by banks.
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