Securities Report – 104th Fiscal Period (April 1, 2025 – March 31, 2026)

Chiba Shinkin Bank, Securities Report – 104th Fiscal Period (April 1, 2025 – March 31, 2026)

This report has been prepared in accordance with the Financial Instruments and Exchange Act, aiming to provide timely and appropriate information to investors. The 104th fiscal period covers the one-year term from April 1, 2025 to March 31, 2026, during which the bank discloses its financial performance, financial position, management policies, risks related to the investment environment, and other significant business information.

As a regional bank deeply rooted in Chiba Prefecture, Chiba Shinkin Bank provides financial services to individual and corporate customers, offering core banking operations such as deposits, loans, foreign exchange, and payment settlements. In response to societal shifts like declining birthrates, aging population, and digital transformation, the bank is actively advancing digital banking initiatives, reviewing its loan portfolio, strengthening human resource development, and promoting ESG management.

Financially, the bank aims to build a stable earnings structure while maintaining and improving its capital adequacy ratio. Consolidated revenue for the fiscal year 2025 is expected to show slight growth year-on-year, driven primarily by increased corporate lending and improved net interest margins. However, prolonged low interest rates and a slow recovery in the regional economy may impact future performance.

Going forward, the bank will continue its mission of contributing to regional development and maintaining management practices that earn customer trust.