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Overview of Japanese Regional Banks billion ¥ Profit Attributable to Owners of Parent trillion ¥ 14.0 Total Assets 13.59 Total Capital Ratio Credit Ratings (As of March 31, 2017) % Long-term Short-term Standard & Poor’s A A-1 Moody’s A1 P-1 Rating and Investment Information AA– Non-consolidated (As of March 31, 2017) (FY2016, ended March 31, 2017) Consolidated (As of March 31, 2017) About the Chiba Bank The Chiba Bank is a regional bank with its main operating base in Chiba Prefecture. As of March 31, 2017, total assets on a non-consolidated basis were ¥14.0 trillion, ranking the Bank second among Japan’s regional banks. The Chiba Bank has an expansive network of branches in Chiba Prefecture and neighboring areas. We have 160 branches in Chiba Prefecture, 14 in Tokyo, 3 in Saitama Prefecture, 3 in Ibaraki Prefecture, and 1 in Osaka Prefecture, in addition to overseas branches in New York, Hong Kong and London, and representative offices in Shanghai, Singapore and Bangkok. Our share of loans in Chiba Prefecture is approximate- ly 40%, and our share of deposits is approximately 25%, both of which exceed all other financial institutions—we have a very powerful customer base in the region. Japan’s 64 regional banks each have a dense network of branches that center on the prefecture where their head office is located. The banks accommodate the diverse financial needs of indi- vidual customers and regional small- and medium-sized and middle-market companies, playing a leading role in regional finance for the promotion and development of regional communities. 52.7
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Page 1: Overview of Japanese Regional Banks About the Chiba Bank...Japan’s 64 regional banks each have a dense network of branches that center on the prefecture where their head office is

Overview of Japanese Regional Banks

billion¥

Profit Attributable to Owners of Parent

trillion¥ 14.0Total Assets

13.59Total Capital Ratio

Credit Ratings (As of March 31, 2017)

%

Long-term Short-term

Standard & Poor’s A A-1

Moody’s A1 P-1

Rating and Investment Information AA– —

Non-consolidated (As of March 31, 2017)

(FY2016, ended March 31, 2017)

Consolidated (As of March 31, 2017)

About the Chiba BankThe Chiba Bank is a regional bank with its main operating

base in Chiba Prefecture. As of March 31, 2017, total assets

on a non-consolidated basis were ¥14.0 trillion, ranking the

Bank second among Japan’s regional banks.

The Chiba Bank has an expansive network of

branches in Chiba Prefecture and neighboring areas. We

have 160 branches in Chiba Prefecture, 14 in Tokyo, 3 in

Saitama Prefecture, 3 in Ibaraki Prefecture, and 1 in Osaka

Prefecture, in addition to overseas branches in New York,

Hong Kong and London, and representative offices in

Shanghai, Singapore and Bangkok.

Our share of loans in Chiba Prefecture is approximate-

ly 40%, and our share of deposits is approximately 25%,

both of which exceed all other financial institutions—we

have a very powerful customer base in the region.

Japan’s 64 regional banks each have a dense network of branches that center on the prefecture

where their head office is located. The banks accommodate the diverse financial needs of indi-

vidual customers and regional small- and medium-sized and middle-market companies, playing

a leading role in regional finance for the promotion and development of regional communities.

52.7

Page 2: Overview of Japanese Regional Banks About the Chiba Bank...Japan’s 64 regional banks each have a dense network of branches that center on the prefecture where their head office is

Gross Prefectural Product*2

¥ 20.0 trillion6th among

Japanese Prefectures

6.2Population*1

million6th among

Japanese Prefectures

6th amongJapanese Prefectures

million

Number of Households*1

2.6

6th amongJapanese Prefectures

Balance of Deposits*3

trillion28.1

6

Haneda Airport

Narita International Airport

Saitama Prefecture

Ibaraki Prefecture

Chiba City

Chiba Prefecture

Tsukuba Express

Tokyo-GaikanExpressway

Tokyo BayAqua-Line

Narita Sky Access Line

Ken-O Expressway

Kanagawa Prefecture

Tokyo

Key Data for Chiba Prefecture

Narita City is conducting urban development projects

that utilize the airport and has been designated a National

Strategic Special Zone with the aim of becoming a world-

class city in the field of medical services. The city will be

responding to increasing aging-related medical needs

and further enhancing medical services for foreigners,

so a number of medical institutions are expected to be

established, including a medical university in April 2017, and

medical professionals and other personnel will be trained,

and this is expected to generate major economic benefits.

National Strategic Special Zone

Chiba Prefecture, the Chiba Bank’s primary operating base,

is Japan’s sixth largest in terms of both population and

GDP. With favorable geographic conditions and a warm

climate, the prefecture has thriving agriculture and fishing

industries, and one of Japan's most prominent industrial

Growth Potential of Our Operating Area

¥

trillion

Balance of Loans*3

7th amongJapanese Prefectures

13.8¥

*1 Statistics Bureau, Ministry of Internal Affairs and Communications “Population Census” (2015)

*2 Economic and Social Research Institute, Cabinet Office “Prefectural Accounts” (FY2014)

*3 The Bank of Japan (As of March 2017)

areas along the coast of Tokyo Bay, giving the prefecture a

well-balanced industrial structure.

In addition, a well-developed transportation network

connected with the greater Tokyo metropolitan area,

including Narita International Airport, supports people’s

daily lives and companies’ business activities in the region.

Moreover, further growth is expected going forward as

various infrastructure and other development projects are

carried out ahead of the Tokyo Olympic and Paralympic

Games in 2020.

The Chiba Bank, Ltd. Annual Report 2017 1

Page 3: Overview of Japanese Regional Banks About the Chiba Bank...Japan’s 64 regional banks each have a dense network of branches that center on the prefecture where their head office is

History of the Chiba Bank

1943.3 1953.3 1963.3 1973.3 1983.3 1993.3 2003.3 2013.3 2017.3

0

2

1

3

4

5

6

7

(millions of people)

0

2

4

6

8

10

12

(¥ trillion)

Since its establishment in 1943, the Chiba Bank has continued to grow in step with the region

by actively responding to financial needs generated by the development of Chiba Prefecture.

Overseas offices opened

1943.3 Founded the Chiba BankChiba Godo Bank, Omigawa Agricultural and Commercial Bank, and the Kujuhachi Bank merged

1970.10 Listed on TSE 2nd Section

1971.8 Listed on TSE 1st Section

1973.3 Newly built and relocated the Head Office in Chiba-minato

1987.4 New York Branch

1989.4 Hong Kong Branch

1991.2 London Branch

1995.11 Shanghai Rep.

2011.3 Singapore Rep.

2014.9 Bangkok Rep.

million51¥

Balance of Loans

million¥

Balance of Deposits

247

1.6(As of October 1, 1943)

million

The Chiba Bank, Ltd. Annual Report 20172

Page 4: Overview of Japanese Regional Banks About the Chiba Bank...Japan’s 64 regional banks each have a dense network of branches that center on the prefecture where their head office is

Contents01 About the Chiba Bank

04 Message from the President

07 Medium Term Management Plan

08 Financial Highlights

10 Corporate Banking

13 Retail Banking

15 Subsidiaries

16 Alliance Strategies

18 Digital Banking

20 Developing the Workforce/ Promoting Diversity

21 CSR Activities

22 Corporate Governance

25 Compliance

26 Risk Management

30 Directors, Executive Officers and Audit & Supervisory Board Members

31 Financial and Corporate Information

1943.3 1953.3 1963.3 1973.3 1983.3 1993.3 2003.3 2013.3 2017.3

0

2

1

3

4

5

6

7

(millions of people)

0

2

4

6

8

10

12

(¥ trillion)

Balance of Loans Population of Chiba Prefecture*Balance of Deposits

Overseas offices opened

9.3

trillion¥

Balance of Deposits

trillion¥

Balance of Loans

11.5

Non-Consolidated (As of March 31, 2017)

*Source: Chiba Prefecture

6.2(As of October 1, 2016)

million

The Chiba Bank, Ltd. Annual Report 2017 3


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