Mission Statement, Vision, & Core Values (2026) of The Chiba Bank, Ltd.

The Chiba Bank, Ltd., established on March 31, 1943, stands as a cornerstone regional lender listed on the Tokyo Stock Exchange (8331.T) with total consolidated assets of ¥21,631.2 billion and consolidated net assets of ¥1,145.1 billion as of March 31, 2025, operating through 186 domestic offices plus 4 overseas branches and 2 overseas representative offices to serve a customer base that includes roughly 60% of Chiba Prefecture's population; in FY2024 the bank recorded a historic consolidated net income of ¥74.2 billion-its third consecutive year of record profits-while ROE rose to 7.34%, surpassing mid-term targets ahead of schedule, and these financial strengths underpin a mission "to create a local community better suited to bringing each person's hope to life," a vision to become "an Engagement Bank Group that works closely with the community," and core values emphasizing integrity, customer focus, innovation, teamwork, social responsibility and sustainability-evidenced by a ¥100 billion green fund established in 2023 and a commitment to reduce its carbon footprint by 30% by 2030-all of which frame its investments in digital transformation, human capital and regional revitalization to deepen community ties and deliver both functional and social value.

The Chiba Bank, Ltd. (8331.T) - Intro

• Headquarters: Chiba Prefecture, Japan
• Founded: March 31, 1943
• Listing: Tokyo Stock Exchange - Prime Market (8331.T)

• Customer-centricity: prioritizing long-term client relationships and trust
• Regional commitment: dedication to local economic and social development
• Prudence and stability: maintaining strong credit discipline and risk management
• Innovation: adopting digital tools and process improvements to enhance service
• Accountability: transparent governance and responsible corporate conduct

• ROE of 7.34% surpassed the mid-term plan target a year early, indicating effective capital deployment and profitability improvements.
• Record consolidated net income of ¥74.2 billion for FY ending Mar 2025 reflects revenue diversification, expense control, and credit performance.
• Total consolidated assets of ¥21.63 trillion and net assets of ¥1.15 trillion provide a robust balance-sheet base for regional lending and investment initiatives.
• Extensive branch network (186 domestic offices) and high local account penetration (~60%) strengthen deposit stability and cross-sell opportunities.
• Overseas footprint (4 branches, 2 representative offices) enables selective international client service while keeping core focus regional.

• Deepening customer relationships in Chiba through tailored lending, wealth management, and SME support.
• Digital transformation to improve customer convenience and operational efficiency while maintaining trust-based service.
• Maintaining capital strength and credit quality to support sustainable dividend policy and future growth investments.
• Community engagement and ESG initiatives to reinforce the bank's regional role and long-term social license to operate.

The Chiba Bank, Ltd. (8331.T) - Overview

• The Chiba Bank's mission is to 'create a local community better suited to bringing each person's hope to life,' prioritizing regional development and individual empowerment through finance and social initiatives.
• The bank delivers both functional value (deposit, lending, payment, wealth management) and social value (local revitalization, support for SMEs, community welfare), reflecting a holistic approach to community engagement.
• Focus areas include sustainable growth, customer satisfaction, and long-term stakeholder well‑being, with the bank positioning itself as a reliable partner adapting to changing demographics and diverse customer needs.
• Strategic alignment is evident in investments in human capital, digital transformation, and sustainable projects to enhance regional value and economic resilience.

• Becoming the primary financial infrastructure for Chiba Prefecture and neighboring markets by expanding customer touchpoints and deepening local relationships.
• Driving decarbonization and ESG financing for local SMEs and municipalities to support the transition to a sustainable regional economy.
• Leveraging digital channels and data analytics to improve financial inclusion, especially for senior households and small businesses in non‑urban areas.

• Customer-first orientation: tailor solutions to household and SME lifecycles, maintain high customer satisfaction metrics.
• Local commitment: prioritize loans, advisory, and community programs that retain and create local jobs and services.
• Prudence and stability: conservative credit risk management, robust capital buffers, and disciplined asset-liability management.
• Innovation and people: upskilling staff, digitizing services, and partnering with fintechs to modernize offerings.
• Sustainability: integrate ESG criteria into lending and investment decisions; support green projects and social infrastructure.

• SME support programs: preferential lending and advisory to thousands of local businesses; small‑business loan balance concentrated in manufacturing, retail, and services.
• Sustainability financing: targeted green loans and sustainability-linked facilities with incremental targets for renewable energy and energy‑efficiency projects.
• Community programs: partnerships with municipalities for regional healthcare, childcare, and elderly services-measured by beneficiary counts and local employment supported.
• Human-capital investment: annual training hours per employee and recruitment focused on local talent to retain economic value within the region.

• Regular disclosure of performance, governance, and sustainability targets in annual reports and investor briefings.
• Active local engagement through financial education, workshops, and joint public‑private revitalization projects.
• Transparent capital allocation toward digital transformation and community finance to balance efficiency with regional mission.

The Chiba Bank, Ltd. (8331.T) - Mission Statement

• Deep community engagement: prioritize long-term relationships with households, SMEs, and local governments to support regional revitalization and resilience.
• Sustainable growth: balance profitability with environmental and social responsibilities, including green finance and carbon reduction initiatives.
• Digital and service transformation: integrate digital platforms with localized advice to enhance customer convenience while preserving personal relationships.
• Employee empowerment: develop human capital and an organizational culture that supports frontline problem-solving and community involvement.

• Engagement Bank Group: measured by customer satisfaction, local credit support, and collaborative projects with municipalities and businesses.
• Green and sustainable projects: expanding green loans, ESG-linked financing, and advisory services for decarbonization among local firms.
• Digital uplift: combining branch-based trust with digital channels to improve reach, reduce costs, and tailor products for local needs.

• SME finance and advisory: targeted lending and business succession support to sustain local employment and supply chains.
• Green finance expansion: increase ESG-linked loans and bonds to help clients transition to low-carbon operations.
• Community investment: partnerships with municipalities for infrastructure financing, tourism promotion, and local revitalization grants.
• Digital-channel integration: enhancing mobile/online services while keeping advisory presence in regional branches.

The Chiba Bank, Ltd. (8331.T) - Vision Statement

• Integrity: Establish unwavering trust through sound, ethical business operations and transparent governance.
• Customer focus: Anticipate and exceed customer expectations by delivering high‑quality products and services tailored to individuals, SMEs, and local public entities.
• Innovation: Invest in digital technologies to enhance customer experience, streamline processes, and improve operational efficiency.
• Teamwork: Foster collaboration across the organization to create new value and support sustainable growth.
• Social responsibility: Actively contribute to regional development and address local social challenges through financing, advisory services, and community engagement.
• Sustainability: Prioritize environmental initiatives, including capital allocation and emission‑reduction targets to align business activities with long‑term climate goals.

• Green finance: Deployment of the ¥100 billion sustainability fund to finance renewable energy, energy efficiency, and ecosystem restoration projects in the Bank's service area.
• Digital transformation: Continued investment in digital channels and process automation to improve turnaround times for lending and customer service (ongoing initiatives across retail and corporate segments).
• Community engagement: Targeted lending and advisory programs for SMEs and local governments to support regional economic recovery and resilience.