Notice of Revision to Earnings Guidance for the Second Quarter of the Fiscal Year Ending March 2027

Details of the Revision to Earnings

The Chiba Kogyo Bank, Ltd. has revised upward its consolidated and non-consolidated earnings guidance for the cumulative second quarter of the fiscal year ending March 2027. On a consolidated basis, ordinary income improved from 6,900 million yen to 8,500 million yen, interim net income attributable to owners of parent improved from 4,500 million yen to 6,000 million yen, and interim net income per share improved from 78.38 yen to 104.17 yen. On a non-consolidated basis, ordinary income increased from 6,700 million yen to 8,400 million yen, interim net income increased from 4,400 million yen to 5,900 million yen, and interim net income per share increased from 76.64 yen to 102.43 yen. The upward revisions are attributable to improvements in interest income and credit cost, among other factors.

Outlook and Points to Note

These revisions are based on the assumptions noted and are forward-looking; actual results may be affected by future market conditions, movements in interest income, credit cost trends and other factors. The outlook for the full fiscal year ending March 2027 will be disclosed again at the second quarter earnings announcement scheduled for November 11, 2026.