Chiba Bank · FinWiki

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This entry sits under regional-banks INDEX. Read it against Gunma Bank for peer / contrast context and banking index for the broader system / regulatory boundary.

TL;DR

A top-tier standalone regional bank rooted in Chiba Prefecture (consolidated deposits 16.3 兆円 scale / consolidated total assets approx. 21.6 兆円 (FY2025-03 ) / Chiba Prefecture share No.1). Founded in 1943-03 through the merger of Chiba Godo Bank, Omigawa Noshominato Bank, and the 98th Bank, renamed Chiba Bank the same month. Listed on the TSE in 1949 . A standalone bank that has not adopted a holding-company structure, securing management flexibility while remaining important at a scale comparable to regional bank FGs (such as concordia-fg / fukuoka-fg / hokuhoku-fg). Through 2015 lead establishment of the TSUBASA Alliance ★, it gained economies of scale while avoiding holding-company formation via 11 行 collaboration (system co-development, overseas support). Full-scale overseas strategy launched with the opening of the Singapore branch in 2023-12 .

1. Company overview

Legal name: The Chiba Bank, Ltd. (株式会社千葉銀行) English name: The Chiba Bank, Ltd. Securities code: TSE PRIME 8331 Established: 1943-03-31 (Chiba Bank newly incorporated through the merger of Chiba Godo Bank, Omigawa Noshominato Bank, and the 98th Bank, launched the same month) Head office: Chuo-ku, Chiba City, Chiba Prefecture Business type: Regional bank (standalone bank that has not adopted a holding-company structure)

Key figures (FY2025-03 ・consolidated)

Item	Amount / scale
Deposits (consolidated)	16 兆 2,519 億円
Deposits (non-consolidated・period-end)	16 兆 2,687 億円
Loans (consolidated)	13 兆 1,831 億円
Total assets (consolidated)	21 兆 6,312 億円
Ordinary revenue (consolidated)	3,621 億円
Net income attributable to owners of the parent	742 億円
Consolidated capital adequacy ratio (international unified standard)	15.04%
Number of employees (non-consolidated・end of 2025-03 )	4,076 persons
Number of branches (end of 2025-03 )	187 branches
Chiba Prefecture share	No.1
Business-type ranking	Standalone regional bank TOP 5 tier
Listing market	TSE PRIME (former TSE 1 Section)

Major subsidiaries and affiliates (public)

Chiba Bank (standalone bank・listed 8331)
  ├── Chibagin Securities ── regional-bank-group securities
  ├── Chibagin Card ── credit card
  ├── Chibagin Lease ── leasing business
  ├── Chibagin Computer Service ── systems
  ├── Chibagin Research Institute ── think tank
  └── Singapore branch (opened 2023-12 ) ── Asian overseas base

Predecessors / consolidation history

1943-03-31 Chiba Godo Bank, Omigawa Noshominato Bank, and the 98th Bank merged to newly incorporate Chiba Bank (wartime consolidation・intra-Chiba-Prefecture regional bank consolidation)
1944 Absorbed Chiba Savings Bank and acquired the business of Noda Shoyu Bank
1949 Listed on the Tokyo Stock Exchange
Postwar high-growth period to the 80 s: established operating base in Chiba Prefecture and the eastern Tokyo metropolitan area
Bubble period: non-performing loan disposal・branch-network optimization

Key chronology (excerpt)

Date	Event
1943-03-31	Chiba Godo Bank, Omigawa Noshominato Bank, the 98th Bank merger → Chiba Bank newly incorporated
1949	TSE listing
2015	TSUBASA Alliance lead establishment ★ — Chiba Bank + Hokuyo + Musashino + Shiga + Daishi Hokuetsu + Chugoku + Iyo + Toho + Hokkoku + Kyoto + Gunma, a 11 行 alliance
From 2015	Promotion of TSUBASA system co-development
2023-12	Singapore branch opening — full-scale launch of Asian overseas strategy
2024	Medium-term management plan formulated

2. Business segment map

Segment	Main operators	Characteristics
Corporate lending	Chiba Bank (parent)	Main bank for mid-tier and SMEs in Chiba Prefecture, expanding into the eastern Tokyo metropolitan area
Personal deposits・mortgages	Chiba Bank (parent)	Chiba Prefecture share No.1, commuter-town demand
Securities	Chibagin Securities	Regional-bank securities group
Credit cards	Chibagin Card	Regional-bank credit cards
Leasing	Chibagin Lease	Corporate leasing
Systems	Chibagin Computer Service	In-house + TSUBASA co-development
Think tank	Chibagin Research Institute	Chiba Prefecture economic research
Overseas	Singapore branch (from 2023-12)	Asian corporate support, TSUBASA overseas coordination

TSUBASA Alliance lead strategy ★

**Established 2015 **, a 11 行 alliance led by Chiba Bank (an alternative model that gains economies of scale while avoiding regional-bank holding-company formation):

Bank	Base
Chiba Bank (lead)	Chiba Prefecture
Hokuyo Bank	Hokkaido
Musashino Bank	Saitama Prefecture
Shiga Bank	Shiga Prefecture
Daishi Hokuetsu Bank	Niigata Prefecture (under [[regional-banks/dai-shi-hokuetsu-fg
Chugoku Bank	Okayama Prefecture
Iyo Bank	Ehime Prefecture
Toho Bank	Fukushima Prefecture
Hokkoku Bank	Ishikawa Prefecture
Kyoto Bank	Kyoto Prefecture
Gunma Bank	Gunma Prefecture

Strategic significance of TSUBASA:

System co-development: cost reduction through co-development of core and peripheral systems
Overseas support: mutual use of member banks’ local bases (Singapore, etc.)
Joint product development: joint products such as investment trusts and insurance

Non-holding-company strategy

On the other hand, gains economies of scale as an alternative through TSUBASA

Operating base

All of Chiba Prefecture: Chiba City・Funabashi・Matsudo・Kashiwa・Ichikawa・Narita, etc.
Eastern Tokyo metropolitan area: partially expanding into southern Ibaraki・eastern Tokyo
Overseas: Singapore (from 2023-12)

Digital strategy

Regional-bank-common TSUBASA system co-development foundation
Chibagin app (digital banking for individuals)
Made AI solutions company Edge Technology, Inc. a consolidated subsidiary through a tender offer in 2024-10 (made it a wholly owned subsidiary in 2024-12 ), strengthening the group’s DX (FY2025-03 earnings report)
See the latest IR for details

Competitive relationships

Competitor	Relationship
concordia-fg	Kanagawa-based regional bank FG (Yokohama Bank + Higashi-Nippon Bank) — Tokyo-metropolitan regional bank No.1 competitor
Chiba Kogyo Bank	Chiba Prefecture’s No.2 regional bank (intra-prefecture competitor)
Keiyo Bank	Chiba Prefecture’s No.2 regional bank (intra-prefecture competitor)
Musashino Bank	Saitama-based・TSUBASA member bank (ally and neighboring-prefecture competitor)
Joyo Bank (under mebuki-fg)	Ibaraki-based・eastern Tokyo metropolitan area competitor

4. Regulation・policy

Supervisor: Financial Services Agency (FSA)
Overseas regulation: Singapore MAS (since the 2023-12 branch opening)
Recent policy issues:
- 2024~ BoJ policy-rate normalization → interest-margin improvement bonus for regional banks
- 2024~ regional-bank reorganization pressure (FSA’s regional-bank consolidation-promotion policy) vs Chiba Bank’s standalone path
- Deepening of TSUBASA system co-development

mufg · smfg · mizuho-fg · concordia-fg · fukuoka-fg · mebuki-fg · hokuetsu-fg
TSUBASA Alliance member banks (Chiba Bank-led)

Sources

Wikipedia: 株式会社千葉銀行 (https://ja.wikipedia.org/wiki/千葉銀行, extracted 2026-05-19)
Chiba Bank official history・IR disclosure materials (2025)
Chiba Bank FY2025年3月 earnings report [Japanese GAAP] (consolidated) (https://ssl4.eir-parts.net/doc/8331/tdnet/2603982/00.pdf, 2025-05-08) ── consolidated deposits 16兆2,519億円・consolidated total assets 21兆6,312億円・net income 742億円・employees 4,076 persons・branches 187 branches・established 1943-03-31
TSUBASA Alliance official information

[!info] 校核状态 confidence: likely (based on v1.1 public information + official earnings report, 2026-05-19). Deposits・total assets・net income・number of employees・establishment date (1943-03-31) confirmed and replaced with the FY2025-03 earnings report (correcting the old “deposits 18-20 兆円 scale” approximation and the “established 1943-03-37” misstatement). A standalone bank that has not adopted a holding-company structure but important at a scale comparable to regional bank FGs, with the unique model of leading the TSUBASA Alliance as the strategic core.