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
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
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
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