1H FY2019 Earnings Results Briefing (Reference materials)...36.4 25.8 19.0 11.0 7.8 45.9 54.1...

1H FY2019Earnings Results Briefing

(Reference materials)

December 2 2019

Contents

Okayama Prefecturersquos Industrial Structure Chugoku Bankrsquos Management Indicators

Okayama Prefecturersquos Economic Scale 4

Okayama Prefecturersquos Industrial Structure 6

Okayama Prefecturersquos Growth Infrastructure and Potential 8

Profit and Loss Statement 22Ordinary Revenue Breakdown 24Ordinary Expense Breakdown 25Expense Breakdown 26Major Yields 27Major Accounts (year-end balance) 28Major Accounts (average balance) 30Deposits (year-end and average balance) 32Loans (year-end and average balance) 34Loans by Industry 36Share of Total DepositsShare of Total Loans 38Securities 40BalanceDuration by Remaining Number of Years to Maturity for Securities 41Housing Loans 42Non-Performing Loans 43Debtor Classification Transition 44Capital Adequacy Ratio Trends 46Capital Allocation and Integration Risks 47Use of Allocated Capital and Risk Exposure Assumptions 48Group Company Performance Trends 49Key Press Releases 50

Okayama Prefecturersquos Economic Trends

Okayama BSI 14

Industrial Production and Exports 15

Capital Investment and Public Investment 16

Consumer Spending 17

Housing Investment 18

Employment and Income 19

Land Prices and Corporate Bankruptcies 20

Okayama Prefecturersquos Industrial Structure

Okayama Prefecturersquos Economic Scale

Items Actual Nationwide ranking () Rank Source Survey date

Area 7114 km2 19 17Nationwide survey on size of villages townships cities and prefectures

Oct 2018

Population 1912000 people 15 20 Population estimate Jan 2019

Number of Households 847424 households 14 18 Population estimate Jan 2019

Prefectural gross production (nominal) 76812 billion yen 14 20 Prefectural accounts FY2016

Number of private enterprises 83993 15 21 Economic census Jun 2016

Number of employees working at private enterprises 830804 people 14 20 Economic census Jun 2016

Agricultural yield 1505 billion yen 16 23 Statistics of SourceAgricultural Income Produced FY2017

Product shipments 76032 billion yen 24 16 Census of manufacturers FY2017

Information and communication industry sales 1678 billion yen 03 26 Economic census FY2015

Wholesale and retail industry sales 59683 billion yen 10 19 Economic census FY2015

Real estate industry sales and lease of goods 3223 billion yen 07 18 Economic census FY2015

Hotel and restaurant industry sales 2638 billion yen 10 26 Economic census FY2015

Life related services and entertainment industry sales 5079 billion yen 11 23 Economic census FY2015

Healthcare and welfare sales 18705 billion yen 16 15 Economic census FY2015

Construction output 6550 billion yen 12 27 Construction statistics FY2018

New housing starts 13118 14 18 Housing start statistics FY2018

Customs and trade 31853 billion yen 19 12 Trade figures by port FY2018Materials 4


4

2

0

2

4

6

0

10

20

30

40

50

東京都

愛知県

大阪府

神奈川県

埼玉県

兵庫県

千葉県

福岡県

北海道

静岡県

茨城県

広島県

京都府

宮城県

栃木県

新潟県

群馬県

長野県

三重県

福島県

岡山県

岐阜県

滋賀県

山口県

熊本県

鹿児島県

愛媛県

岩手県

石川県

青森県

富山県

長崎県

大分県

沖縄県

山形県

香川県

宮崎県

和歌山県

奈良県

秋田県

山梨県

福井県

徳島県

佐賀県

島根県

高知県

鳥取県

都道府県別名目県内総生産額と対前年増加率(2016年度)(Trillion yen)

Source FY2016 Cabinet Officersquos Annual Report on Prefectural Accounts

()

YoY growth(right axis)

Nominal prefectural gross production (left axis)

1045

Nominal Gross Production by Prefecture (Trillion yen) and YoY Change (FY2016)

Toky

o Ai

chi

Osa

kaKa

naga

wa

Saita

ma

Hyo

go

Chi

ba

Hok

kaid

o Fu

kuok

a Sh

izuo

ka

Ibar

aki

Hiro

shim

aKy

oto

Miy

agi

Toch

igi

Niig

ata

Gun

ma

Nag

ano

Mie

Fu

kush

ima

Oka

yam

aG

ifu

Shig

a Ya

mag

uchi

Ku

mam

oto

Kago

shim

aEh

ime

Iwat

e To

yam

a Is

hika

wa

Aom

ori

Nag

asak

iO

ita

Oki

naw

a Ya

mag

ata

Kaga

wa

Miy

azak

iN

ara

Wak

ayam

aAk

ita

Yam

anas

hiFu

kui

Toku

shim

aSa

ga

Shim

ane

Koch

i To

ttori

-

-

Materials 5

Okayama Prefecturersquos Industrial Structure (1)

Manufacturing Real estateEducationHealthcare

social welfareWholesale

RetailTransport

postal service

Construc-tion

FinanceInsurance Other

Gross production by economic activity

Ratio of goods and services importsexports (net) to prefectural gross production (nominal)

Source Cabinet Officersquos Annual Report on Prefectural Accounts

-100

-50

00

50

100

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

Hiroshima Prefecture

Okayama Prefecture

Kagawa Prefecture

()

()


Total figures may not be 100 due to rounding

Specializedscience technology business

support service

Public service

Information amp communications

Materials 6

364

258

190

110

78

459

541

Okayama Prefecturersquos Industrial Structure (2)Breakdown of manufactured goods shipments (2017)

Mizushima Industrial Arearsquos presence

Source METI Okayama Prefecture ldquoCensus of Manufacturerdquo

Ratio of manufactured goods from the Mizushima Industrial Area versus total Okayama

manufactured goods shipments (2017)

Breakdown of manufactured goods from the Mizushima Industrial Area by industry (2017)

Other regions

Mizushima Industrial Area

Source Okayama Prefecture ldquoCensus of Manufacturerdquo

Manufactured goods shipments

70992 billion yen


30261 billion yen

Petroleum coal

Chemicals

Transport machineryOther


Steel


FoodBev Textiles Chemicals Petroleum Steel Generalmachinery

Electric machinery

Transport machinery

Other

Okayama

Nationwide

Materials 7

Okayama Prefecturersquos Growth Infrastructure and Potential (1)PopulationNo of Households in ChugokuShikoku Region

7000

6000

5000

4000

3000

2000

1000

0鳥取県島根県岡山県広島県山口県徳島県香川県愛媛県高知県

2016 2017 2018

(People)

Source Population transfer report based on basic resident registrations Ministry of Internal Affairs and Communications

20

10

00

10

20

-1000000

0

1000000

2000000


人口世帯数人口増減率世帯数増減率

(Peoplehouseholds) （）

Number of people moving to prefectures in the Chugoku-Shikoku region (in excess of the number of people leaving)

Tottori Shimane Okayama Hiroshima Yamaguchi Tokushima Kagawa Ehime Kochi

Population No of households

Change in no of population Change in no of households

Source ldquoSurvey of Population Demographics and Number of Households Based on the Basic Resident Registerrdquo Ministry of Internal Affairs and CommunicationsNote Population and number of households is for January 1 2019 The change in population and households is a comparison between January 2018 and January 2019


-

-

-

-

-

-

-

-

-

Materials 8

Okayama Prefecturersquos Growth Infrastructure and Potential (2)

65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045

TottoriShimaneOkayamaHiroshimaYamaguchiTokushimaKagawaEhimeKochi

Future population trends for the Chugoku-Shikoku region(2015 indexed at 100)

Source National Institute of Population and Social Security Research

1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045

Population trends for Okayama Prefecture


(thousand) Estimates

Materials 9


Cumulative total for number of prefectural plant sites and site areas

3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)

No of sites (right axis)

(ha) (Sites)

Note Acquired sites 1000 sq meters or larger Aggregate number from Jan 1988 through Dec 2018 Excludes the electric power industry from 2015 onwardSource Chugoku Bureau of Economy Trade and Industry Shikoku Bureau of Economy Trade and Industry

80

90

100

110

120

130


2025 2030 2035 2040 2045


Youth population ratio trends in the Chugoku-Shikoku region

（）

Materials 10

Okayama Kenkooo Daisakusen

Okayama Sports NavigationSports Training Camp NavigationSports information in Okayama Prefecture is unifiedSports information for residents of Okayama Prefectureinformation on sports training camps in Okayama Prefectureand enticement of training camps for the Tokyo Olympics etc


Sports acute Hospitality = Town developmentInitiatives for sport tourism Popular running events

Okayama MarathonSoja Kibiji MarathonTsuyama Kamogo Full MarathonFORESTRAIL SHINJO-HIRUZEN

Initiative by social networks

Materials 11

Five professional sports clubsFootball Fagiano OKAYAMA

Womenrsquos football OKAYAMA YUNOGO BELLEVolleyball OKAYAMA SEAGULLS

Basketball TRYHOOP OKAYAMATable tennis OKAYAMA Rivets

A Health Point Business using the Social Impact Bonds (SIB) introduced by Okayama Citywhich started in April 2019 It is a service of adding points when a participant receiveshealth-related services at various stores and facilities in Okayama City People living orworking in Okayama City of 35 years of age or older are eligible People can also participatein this program as a group of workplace colleagues hobby enthusiasts volunteers etc

industry government academia financial

institutions and media

Okayama Sports Promotion Study GroupA voluntary organization consisting of volunteers from the economic world and local universities aiming at discussing regional revitalization by making use of sportsThe motto is ldquoWisdom and effortsrdquo of the participants Photo courtesy of OKAYAMA Rivets

OKAYAMA Rivets took part in the T League Recorded a good performance by taking second

place in the first year

Okayama is the place where table tennis was

first introduced


Materials 12

A crossing point between Honshu and Shikoku where the Sanyo Expressway stretching from east to west the Chugoku Expressway the Seto-Chuo Expressway stretching from north to souththe Okayama Expressway and the Yonago Expressway meet

Okayama the key point of Honshu-Shikoku exchange

New establishments and expansions of logistics centers continueArea taken up by commercial sites in Okayama Prefecture is the largest in the Chugoku-Shikoku area

The Great Seto Bridge connecting local communities

Traffic on the Seto-Chuo Expressway reaches a record high

Source Website of Okayama Prefecture

The largest number of visitors among the three routes

Okayama Prefecture Warehouse Association survey (areas for warehouses in categories 1-3)

Manufacturers and distribution companies using Okayama as their main location for West JapanDistribution to East Japan possible during emergencies

Okayama and Shikoku are to become one economic zone The number of students from Shikoku is increasing the JR

Seto-Ohashi Line is also busy Local supermarkets are opening in Shikoku


Local Economic Trends (1)The economy in Okayama Prefecture is on a recovery track

despite signs of slowdown in some areas

BSI (Business Survey Index) is designed to measure corporate managersrsquo confidence in sales and business conditions and theirforecasts for their companyrsquos performance (favorable turnaround unchanged deterioration) A favorable turnaround year-on-yearwarrants an A while unchanged performance warrants a B and deterioration a C (A+B+C=100) The BSI is calculated by using thefollowing equation (A-C)divide2 Consequently the more corporate managers that indicate their companyrsquos performance is taking a positiveturnaround the closer the index reaches to 50 Conversely the more respondents that determine performance is deteriorating the closerthe index is to -50

Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91

Shaded areas represent periods of economic recession (Cabinet Office)

Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14

Local Economic Trends (2)

Exports - - - Decreasing due to the impact of trade conflicts

0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191

Source Okayama Prefecture Statistical Analysis Section

Source Kobe customs

[Customs clearance value for exports] (yen basis 100 million yen)

Industrial production - - - Upward trends in general with partially weak domains[Industrial production index trends] (2010 indexed at 100 seasonally adjusted)

Jan 2014 Jan 2015 Jan 2016 Jan 2017 Jan 2018 Jan 2019

Jan 2010 Jan 2011 Jan 2012 Jan 2013 Jan 2014 Jan 2015 Jan 2016 Jan 2017 Jan 2018 Jan 2019

Materials 15

Local Economic Trends (3)Capital investment - - - The trend of growth slowed down

Public investment - - - Increased due to restoration works in disaster-affected areas

90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019

金額（左目盛り）前年同期比（右目盛り）

岡山県全国

（）製造業非製造業合計製造業非製造業合計

2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66

2019年度計画 57 176 22 73 04 24Source Bank of Japan Okayama BOJ branch

[Change in capital investment year-on-year]

[Change in public works investment year-on-year]

Source West Japan Construction Surety Co Ltd

(100 million yen) （）

Manufacturing industry

Okayama

Total

Nationwide

Non-manufacturingManufacturing

industry TotalNon-manufacturing

FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-

Value (left axis) YoY (right axis)

-

-

-

Materials 16

Local Economic Trends (4)Consumer spending - - - Stagnant

40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191

[Large store retail sales trend (all stores YoY)]

[New passenger car registration trend (including minicars YoY)]

（）

（）

Source Chugoku Bureau of Economy Trade and Industry

Source Chugoku Transport amp Tourism Bureau Okayama branch

-

-

-Jan 2015 Jan 2016 Jan 2017 Jan 2018 Jan 2019

-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191

Housing investment - - - Sluggish

Source MLIT

[Housing start trend (six-month moving average)]

[Rental housing start trend (six-month moving average)]

Source MLIT

Jan 2015 Jan 2016 Jan 2017 Jan 2018 Jan 2019


Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191

[Job openings to applicants ratio trend (seasonally adjusted)]

Employment trends - - - Sentiment of labor shortage becoming stronger despite continued recovery trend of employment

[Salary level trend (2015 indexed at 100 seasonally adjusted)]

Source Data from the Statistic Analysis Section of Okayama Prefecture seasonally adjusted by the Okayama Economic Research Institute

Source Data from employment service section Okayama Labor Bureau Ministry of Health Labor and Welfare



Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300

負債総額（右目盛）

件数（左目盛）


40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）

（億円）（件）

Land prices - - - Commercial land prices rose for two consecutive years while the margin of decline in residential land prices expanded[Standard land price trend (YoY)]

Corporate bankruptcies - - - Limited growth in terms of both number of bankruptcies and value[Corporate bankruptcy trend (quarterly)]

Source Hilly and Mountainous Areas Development Division Okayama Prefecture

Source Okayama branch Teikoku Databank

(100 million yen)(cases)

Residential

Commercial

Total liabilities (right axis)

No of bankruptcies (left axis)

-

-

-

-

Materials 20

Chugoku Bankrsquos Management Indicators

Profit and Loss Statement (1)[Parent] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(million yen) 1H 1H 1H 1H 1HOrdinary revenue 109307 58723 113236 58634 125036 57586 116499 57415 113461 56143

Banking revenue 100785 50904 101156 50876 111877 51803 103360 53545 104638 51457Extraordinary revenue 8521 7819 12080 7758 13159 5783 13138 3869 8822 4686

Ordinary expense 73536 35796 72600 41286 96068 43543 88567 44196 91541 43899Banking expense 69797 34608 69303 37402 86795 40643 81918 41870 83680 39680Extraordinary expense 3739 1187 3297 3883 9272 2900 6649 2325 7860 4219

Recurring profit 35770 22927 40635 17348 28968 14043 27931 13219 21919 12244Banking income 31001 16303 31866 13478 25090 11164 21451 11679 20965 11780

Gross income 88270 44082 87326 41666 79977 39887 77117 39375 78149 38820 (Net interest income) 72416 35889 70028 33428 67765 33862 66265 32948 63033 30060 (Fees and commissions) 14834 7431 15024 7645 15214 7116 14610 7578 14886 7535 (Other banking income) 1019 762 2272 592 -3002 -1091 -3757 -1150 228 1224Expenses 57269 27779 55459 28187 54886 28723 55666 27232 54211 27397General prov isions f or doubtf ul receiv ables - - - - - - - 464 2972 -358

Extraordinary gain 1 44 46 - 3 0 14 15 15 1 Extraordinary loss 361 177 394 126 466 143 209 143 289 298

Impairment loss 246 66 124 80 414 132 148 100 222 289Income before income tax (1H) 35409 22794 40288 17222 28505 13900 27736 13090 21645 11946 Corporate residential and business taxes 12322 6101 11006 4110 8688 2964 7218 3056 6758 3261 Income tax adjustments 2182 1140 3352 996 776 1117 1107 617 -451 270Net income (1H) 20904 15552 25928 12115 19039 9819 19409 9416 15338 8414

[Consolidated]Ordinary revenue 124221 65753 129180 66647 142867 65261 132445 64758 128621 63780Recurring profit 39106 24262 43440 18473 31605 15385 30922 14012 23696 12943

24702 16094 27252 12590 20323 10566 21258 9713 16199 8644

Net income (1H) 25446 16211 27522 12745 20627 10566 21258 9713 16199 8644Other comprehensive income 48293 -25610 -14871 -4307 -18359 12312 8687 3250 -11164 6805

48301 -25683 -4798 -4556 -19641 11431 6403 763 -6137 9181Deferred hedge gains -1262 46 -1811 -344 675 222 1087 1966 -3894 -2703

Comprehensive income (1H) 73739 -9398 12650 8437 2268 22879 29946 12963 5035 15450

Net income attributable to owners of the parent (1H)

Valuation difference from other available-for-sale securities

Materials 22

Profit and Loss Statement (2)

[Parent] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019

(million yen) 1H 1H 1H 1H 1H

Bond related gainslosses 45 406 1742 732 -2038 -300 -2481 -316 1117 1084

2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -

Equity-related gainslosses 3775 2696 3349 945 4379 456 4437 335 1495 456

Gain on equity sales 5448 3255 5126 3401 9937 1717 6888 1868 5574 2361

Loss on equity sales 1673 540 1586 1666 2928 1261 2450 1529 4075 1643

Share redemption - 18 190 789 2628 - - 3 3 260

Non-performing loan disposal 222 -2659 -3755 -2716 -209 -2632 -1770 202 4199 1020

-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -

Loss on claim sales 592 0 106 11 81 1 8 - 74 5

Indiv idual prov isions f or doubtf ul accounts

Gain on bond sales including JGBs

Gain on bond redemption including JGBs

Loss on bond sales including JGBs

Loss on bond redemption including JGBs

Bond redemption including JGBs

General prov isions f or doubtf ul receiv ables

Materials 23

Ordinary Revenue Breakdown[Parent] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(million yen) 1H 1H 1H 1H 1HOrdinary revenue 109307 58723 113236 58634 125036 57586 116499 57415 113461 56143

Banking revenue 100785 50904 101156 50876 111877 51803 103360 53545 104638 51457Net interest income 78174 39113 77137 37604 78762 40722 80016 40950 80230 39740

Lending rate 43673 21195 42622 20789 42891 23134 47027 25408 51412 25506Securities interest rate 33951 17526 33777 16432 34962 16975 31545 14864 27659 13843Call loan interest rate 83 56 77 73 307 299 813 361 521 82Interest rate on bills bought - - - - - - - - - -Gensaki transaction interest rate - - - - - - - - - -Deposit interest rate 207 211 410 189 375 187 374 192 382 186Foreign currency interest income 51 23 50 28 53 28 58 35 75 34Financial swap interest income - - - - - - - - - -Other interest income 207 99 199 90 172 97 196 88 179 86

Fees and commissions 18950 9502 19173 9735 19439 9276 18911 9757 19175 9709Fee and commission income 5780 2844 5737 2853 5712 2818 5669 2811 5635 2822Other fee and commission income 13167 6657 13435 6882 13725 6458 13240 6945 13537 6887Trust fees 1 - 1 0 1 0 1 0 1 0

Other banking revenue 3659 2288 4844 3536 13675 1804 4432 2837 5232 2007Gain on sale of bonds including JGBs 2625 1892 4311 3520 13536 1634 3827 2679 4865 1727Gain on sale of foreign currencies - - 24 - - - - - - -Gain on sale of securities - - - 14 9 - - 0 - -Financial derivative revenue 1032 394 506 - 126 168 603 - - 136Other 2 1 3 1 2 0 1 157 367 117

Extraordinary income 8521 7819 12080 7758 13159 5783 13138 3869 8822 4686Gain on sale of equities 5448 3255 5126 3401 9937 1717 6888 1868 5574 2361Gain on investment trusts 145 - 12 5 67 103 85 154 - 48

370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273

Reversal to provisions for doubtful receivablesGain on non-performing loans recovered

Materials 24

Ordinary Expense Breakdown[Parent] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(million yen) 1H 1H 1H 1H 1HOrdinary expenses 73536 35796 72600 41286 96068 43543 88567 44196 91541 43899

Banking expenses 69797 34608 69303 37402 86795 40643 81918 41870 83680 39680Interest expense 5771 3230 7121 4180 11006 6863 13759 8007 17204 9683

Expenses matching the amount ofinvestment of money held in trust 13 6 13 4 9 3 9 4 7 3

Deposit interest 2182 1136 2221 820 1791 1018 1928 1173 2333 1300Negotiable certif icates of deposit (NCD) interest 196 102 196 52 89 33 60 21 42 18Call money interest 937 630 1607 1085 2436 824 1374 538 869 192Interest on sales under agreement to repurchase - - - 0 101 538 1584 1025 2397 1763Securities lending transaction interest payable 511 384 1134 889 2354 943 1474 325 594 263Interest on commercial papers - - - - 48 336 779 395 1100 566Borrowed money interest payable 218 144 303 190 572 556 1237 1162 2504 1241Foreign exchange interest payable 0 9 22 92 316 7 7 0 12 3Financial swap interest payable 1714 820 1627 1048 3290 2605 5311 3361 7347 4332Other interest payable 10 1 8 0 6 0 0 3 1 0

Fees and commissions 4115 2071 4149 2090 4225 2159 4301 2178 4288 2174Fees and commissions payable 875 441 883 454 902 463 919 474 932 466Other fees and commissions payable 3239 1630 3265 1635 3323 1696 3382 1704 3355 1708

Other banking expenses 2640 1526 2572 2944 16677 2895 8190 3988 5004 783Loss on sale of bonds including JGBs 2580 1485 2568 2788 15575 1901 6308 2895 3622 668Bond redemption including JBGs - - - - - 34 - 100 125 -Loss on foreign exchange transactions 48 34 - 82 1101 957 1873 771 843 102Loss on securities transactions 11 6 3 - - 2 8 - 4 12Financial derivative expenses - - - 73 - - - 221 407 -Other - - - - - - - - -

General provisions for doubtful receivables - - - - - - - 464 2972 -358Expenses 57269 27779 55459 28187 54886 28723 55666 27232 54211 27397

Extraordinary expenses 3739 1187 3297 3883 9272 2900 6649 2325 7860 4219- - - - - - - -261 1088 1373- - - - - - - - 65 -

Loss on sale of equity 1673 540 1586 1666 2928 1261 2450 1529 4075 1643Equity redemption - 18 190 789 2628 - - 3 3 260Loss on money held in trust 3 106 182 98 88 0 118 14 104 14Retirement expense 13 39 78 855 1711 949 1899 748 1497 471Other 2049 482 1259 473 1914 688 2179 290 1026 456

Individual provisions for doubtful accountsRedemption of loans and bills discounted

Materials 25

Expense Breakdown

[Parent] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(million yen) 1H 1H 1H 1H 1HExpenses (1) 57269 27779 55459 28187 54886 28723 55666 27232 54211 27397

Personnel 31232 14879 29758 14903 29553 14702 28910 13953 27834 14164Salaries 16549 8259 16571 8316 16610 8171 16051 7740 15438 7594Bonuses 6268 3107 6146 3002 5755 2807 5410 2506 4992 2582Retirement expenses 2024 212 426 222 446 353 710 288 571 499Social insurance 3550 1789 3580 1804 3600 1800 3575 1796 3559 1772Temporary employment expense 2840 1511 3035 1557 3140 1569 3162 1621 3272 1715

Property expense 23238 10901 22615 11250 22218 11502 23138 11381 23263 11379Depreciation 2837 1456 3135 1730 3539 2063 4329 2043 4233 2053Land and building leasing expense 757 398 787 358 748 384 780 398 800 386Machinery leasing expense 128 60 134 62 136 69 153 80 169 85Outsourcing expense 2552 1294 2592 1361 2727 1393 2755 1333 2607 1264Maintenance expense 232 107 224 109 207 107 224 136 305 127Travel expense 192 104 207 102 194 104 213 100 202 105Sales promotion expense 64 33 62 34 69 46 83 46 79 33Deposit insurance premium 3789 1178 2356 1209 2418 1094 2188 1029 2059 1031Miscellaneous expense 12681 6266 13114 6283 12177 6239 12410 6213 14865 6291

Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853

Core business gross profit (2) 88225 43676 85583 40933 82016 40187 79598 39692 77031 37735OHR　(1)divide(2) 649 636 648 688 669 714 699 686 703 726

Materials 26

Major Yields

FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019() 1H 1H 1H 1H 1H

1 Interest-earning asset yield 111 108 106 100 103 105 104 105 103 102Loan yield 120 111 109 100 101 102 103 108 108 106Securities yield 110 121 116 112 120 131 124 123 117 120Call loan yield 018 017 019 030 032 029 044 032 022 006Deposit yield (including NCD) 010 009 010 010 010 010 010 010 010 010

2 Interest-bearing liabilities 008 009 010 011 014 018 018 021 022 025Deposit yield 003 004 003 002 002 003 003 003 003 003Call money yield 037 051 065 100 120 140 137 196 171 111Loan yield 015 017 017 023 034 060 065 132 149 185

3 Expense ratio 096 091 091 089 087 088 086 080 080 0804 Fundraising expense 094 090 090 088 088 094 091 092 094 0965 Total net interest income (1-4) 017 018 016 012 015 011 013 013 009 006Simple loan-deposit margin 117 107 106 098 099 099 100 105 105 103Simple deposit-securities margin 107 117 113 110 118 128 121 120 114 117

1 Interest-earning asset yield 101 096 094 086 084 081 080 080 077 074Loan yield 121 112 109 097 095 089 088 086 085 083Securities yield 094 103 097 094 096 103 100 103 095 092Call loan yield 015 013 013 -002 -002 -002 -001 -003 -003 -003Deposit yield (including NCD) 010 009 010 010 010 010 010 010 010 010

2 Interest-bearing liabilities 006 006 006 004 004 004 004 003 003 003Deposit yield 003 003 003 002 001 001 001 001 001 000Call money yield 006 005 006 -003 -003 -002 -004 -005 -006 -005Loan yield 011 011 011 006 004 001 001 002 002 003

3 Expense ratio 093 088 088 087 085 086 084 078 078 0784 Fundraising expense 095 090 089 084 080 082 080 076 076 0765 Total net interest income (1-4) 006 006 005 002 004 -001 000 004 001 -002Simple loan-deposit margin 118 109 106 095 094 088 087 085 084 083Simple deposit-securities margin 091 100 094 092 095 102 099 102 094 092

Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27

Major Accounts (year-end balance) Assets

FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019

(100 million yen) 1H 1H 1H 1H 1H

Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579

Interest-earning assets 71082 68344 72100 74626 73673 75527 75209 75871 73224 75272

Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587

Securities products 23 23 19 20 23 18 18 19 23 23

Money in trust 200 198 200 199 150 150 250 201 180 180Deposits (excluding non-interest bearing portion) 52 52 53 112 102 141 167 165 135 154

Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258

Foreign exchange 63 81 107 76 64 59 79 107 90 93

Cash collateral paid - - - 14 61 101 41 119 65 34

(Interest-earnings assets) 70882 68145 71900 74427 73523 75376 74959 75669 73044 75091

Cash and deposits (non-interest bearing) 3871 4818 4815 6912 7953 6403 7609 6621 7497 6715

Tangible fixed assets 433 426 431 427 413 405 396 392 388 382

Intangible fixed assets 38 48 60 68 74 65 58 51 44 37

Other assets 580 355 332 461 446 550 1094 703 1118 1167

Deferred tax assets - - - - - - - - - -

Guarantee endorsements 321 308 328 321 340 351 340 347 324 346

Provisions for doubtful receivables -433 -392 -367 -336 -347 -311 -314 -306 -341 -342

Materials 28

Major Accounts (year-end balance) Liabilities amp Net Assets

FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(100 million yen) 1H 1H 1H 1H 1HTotal liabilities and net assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579

Total liabilities 70890 69032 72585 77334 77526 77774 79161 78350 77021 78224Interest-bearing liabilities 69409 67912 71385 76136 76370 76496 77624 76958 75499 76571

Deposits 58945 58113 60114 59545 62018 61693 64236 63831 66399 64751Negotiable certificates of deposit (NCD) 1638 2568 1847 3025 2229 3038 2224 3562 1783 2991Call money 3392 1799 2500 1722 1492 720 579 366 187 150Sales under agreement to repurchase account - - - - 215 1582 715 782 1250 1559Payables under Securities Lending Transactions 3898 3475 5157 10369 8323 6911 7472 6229 3772 5601Commercial paper - - - - 242 517 461 487 487 365Borrowed money 1530 1951 1762 1461 1818 2014 1885 1656 1559 1075Foreign exchange 1 3 1 2 1 2 2 1 17 7Cash collateral received - - - 8 27 6 31 16 14 36(Expenses matching the amount ofinvestment of money held in trust)

200 198 200 199 150 150 250 201 180 180

(Fund procurement account) 69209 67713 71185 75937 76220 76345 77374 76757 75319 76391Other liabilities 664 433 426 449 464 518 803 645 862 947Retirement provision 233 221 209 204 200 198 195 188 185 179Other provision 24 24 24 24 23 21 25 23 23 20Deferred tax liabilities 236 131 209 195 126 186 169 187 125 158Acceptances and guarantees 321 308 328 321 340 351 340 347 324 346

Total net assets 5004 4876 5116 5146 5028 5217 5234 5329 5235 5355Capital 151 151 151 151 151 151 151 151 151 151Surplus capital 62 62 62 62 62 62 62 62 62 62Retained earnings 3696 3831 3915 4017 4067 4074 4151 4226 4266 4328Treasury stock (-) 36 46 79 98 121 54 74 84 94 96

1177 922 1130 1080 925 1038 989 999 934 1023Gainloss on deferred hedges -49 -49 -67 -71 -60 -58 -49 -30 -88 -115Warrants 3 2 3 3 3 2 2 2 3 1

Valuation difference on other securities

Materials 29

Major Accounts (average balance) Assets

FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(100 million yen) 1H 1H 1H 1H 1HTotal assets 71711 73666 74501 78330 79899 80719 80986 81574 81554 81738

Interest-earning assets 70063 71932 72629 75074 76580 76924 77056 77507 77484 77602Loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780Securities 30773 28688 28950 29042 29030 25747 25311 23939 23456 22963Securities products 24 22 22 20 22 19 19 26 21 23Money in trust 200 199 199 199 199 150 210 249 209 180Deposits (excluding non-interest bearing portion) 1989 4220 4048 3713 3719 3727 3735 3741 3718 3678Call loans 444 645 392 483 947 2014 1822 2198 2292 2615Debt purchased 172 176 160 144 149 175 182 187 191 206Foreign exchange 106 97 107 157 156 137 157 171 168 107Cash collateral paid - - - 2 29 85 100 85 80 47(Interest-earnings assets) 69863 71732 72430 74874 76380 76774 76846 77257 77274 77422

Cash and deposits (non-interest bearing) 837 863 954 2309 2297 2486 2616 2779 2763 2740Tangible fixed assets 444 434 438 438 441 415 416 399 402 392Intangible fixed assets 29 42 47 64 67 72 71 58 57 44Other assets 201 226 245 224 284 578 570 580 595 736Deferred tax assets 292 281 275 247 243 240 234 229 226 234Guarantee endorsements 292 314 321 329 332 345 347 332 335 324Provisions for doubtful receivables -449 -428 -411 -358 -347 -343 -328 -311 -312 -336

Materials 30

Major Accounts (average balance) Liabilities amp Net Assets



Deposits 56912 58260 58350 59937 60078 61560 61694 63475 63620 64997Negotiable certificates of deposit (NCD) 2629 2621 2512 2909 2965 2916 2883 3712 3535 3052Call money 2506 2434 2457 2157 2016 1167 999 547 505 344Sales under agreement to repurchase - - - 0 111 753 1011 903 978 1360Payables under Securities Lending Transactions 3463 3861 4495 6747 7913 6839 6739 5432 5365 4842Commercial paper - - - - 41 487 498 376 445 450Borrowed money 1429 1681 1724 1625 1649 1846 1897 1746 1673 1334Foreign exchange 3 3 2 1 1 3 3 3 4 5Cash collateral received - - - 3 3 11 14 9 13 28(Expenses matching the amount ofinvestment of money held in trust)

200 199 199 199 199 150 210 249 209 180

(Fund procurement account) 66744 68664 69345 73184 74584 75440 75538 75978 75956 76265Other liabilities 425 343 423 328 428 447 494 534 527 371Retirement provision 210 228 222 206 204 198 197 191 189 183Other provision 17 15 15 16 17 15 14 20 18 16Deferred tax liabilities - - - - - - - - - -Acceptances and guarantees 292 314 321 329 332 345 347 332 335 324




Materials 31

Deposits (year-end balance)

FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(100 million yen) 1H 1H 1H 1H 1H

Okayama 44936 44251 46194 45465 47052 46850 49026 48864 50953 49712Private portion 34178 34305 34845 34807 35313 35832 36311 37072 37347 37610Corporate portion 8549 8480 8870 8989 9314 9657 10043 10140 10485 10425

Hiroshima 8388 8055 8101 8172 8762 8534 8533 8634 9144 8644Private portion 5554 5544 5519 5514 5569 5584 5604 5633 5627 5649Corporate portion 2387 2414 2466 2528 2614 2858 2794 2838 2862 2908

Kagawa Ehime 4002 3928 3992 3952 4029 4022 4141 4074 4020 3968Private portion 2821 2804 2792 2764 2763 2766 2765 2759 2736 2717Corporate portion 1136 1114 1154 1177 1220 1253 1338 1312 1249 1248

Hyogo 962 1017 1044 1068 1089 1136 1130 1159 1152 1132Private portion 619 624 627 624 636 640 637 642 630 622Corporate portion 342 381 405 438 451 495 492 516 521 509

Tottori 102 105 105 106 114 119 129 120 123 133Private portion 51 51 49 50 49 50 51 52 51 52Corporate portion 50 53 55 55 64 68 78 67 71 81

Osaka 202 236 217 216 237 241 211 264 229 253Private portion 67 67 65 64 72 67 68 69 69 70Corporate portion 133 167 150 150 163 172 142 193 158 182

Tokyo 167 199 133 176 137 136 188 194 131 188Private portion 69 70 70 71 69 67 66 65 62 61Corporate portion 96 126 59 102 66 67 119 127 66 124

58763 57794 59789 59158 61422 61042 63361 63310 65755 64033Total for private portion 43363 43469 43971 43897 44476 45010 45504 46294 46526 46783Total for corporate portion 12695 12737 13163 13441 13895 14572 15009 15194 15415 15478

Overseas branches 183 321 325 388 597 653 877 521 644 717Total deposits 58945 58113 60114 59545 62018 61693 64236 63831 66399 64751

Liquidity 38085 37071 39260 39035 41644 41224 44590 44332 47261 45646Time deposits 20860 21042 20853 20510 20374 20469 19646 19499 19137 19105Domestic banking 58196 57153 59187 58569 60869 60433 62671 62564 65120 63406International banking 749 960 926 976 1149 1260 1565 1267 1278 1344

Total domestic branches (before reconciliation of transit items)

Materials 32

Deposits (average balance)









Total domestic branches 56639 58008 58076 59606 59546 60896 61107 62963 63104 64340Total for private portion 42851 43701 43796 44080 44205 44865 45171 45960 46261 46878Total for corporate portion 12179 12680 12766 13410 13497 14246 14276 14925 14879 15361



Materials 33

Loans (year-end balance)



General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811

Large-scale companies 7597 8001 8431 8869 8869 8251 7919 7778 7754 7411

Medium-scale companies 1379 1420 1427 1477 1499 1661 1710 1672 1665 1456

Small-scale companies 15809 16258 17389 18568 20309 22067 23426 24044 24754 24941

Private individuals 7922 7988 8050 8144 8252 8352 8486 8602 8807 9002

Government and municipal loans 4415 4792 4908 4985 4904 5108 5017 4962 4882 4804

State and local public works groups 4327 4726 4836 4932 4847 5067 4979 4939 4860 4793

Local public corporations 87 66 71 53 57 40 38 23 21 11

Total loans by domestic branches 37125 38461 40206 42045 43835 45440 46561 47061 47864 47616

Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879

Loan liabilities - - - - - - - - - -

Overseas branches 163 149 158 128 168 166 200 239 222 230

Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34

Loans (average balance)



General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744

Local development 16172 16382 16832 17746 18132 18840 19237 20043 20381 20819

Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335

Housing loan portion 7420 7472 7487 7507 7542 7655 7668 7738 7783 7975

Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35

Loans by Industry (year-end balance)



Domestic branches 37125 38461 40206 42045 43835 45440 46561 47061 47864 47616

Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443

Agriculture forestry 31 30 29 29 34 44 60 61 71 87

Fishing 10 13 11 17 25 46 45 36 32 34

Mining stone sand 23 24 22 22 21 20 21 20 21 21

Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210

Electric power gas heat supply water 739 861 965 1205 1392 1700 1860 2014 2087 2203

Information and communications 304 281 294 292 301 301 232 206 202 190

Transport postal 1274 1362 1460 1602 1719 1939 2036 2095 2171 2093

Wholesale retail 4815 4848 5105 5089 5106 5077 5124 5217 5259 5232

Financial insurance 1337 1686 1964 2801 3474 3892 3810 3975 3856 3699

Real estate goods leasing 4495 4760 4917 5374 5623 6041 6387 6539 6672 6914

Public corporations 87 66 71 53 57 40 38 23 21 11

Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902

Various services 2500 2510 2693 2788 2966 3035 3200 3201 3196 3169

Public organizations 4327 4726 4836 4932 4847 5067 4979 4939 4860 4793

Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082

Overseas branches + Offshore loans 163 149 158 128 168 166 200 239 222 230

Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36

Loans by Industry (percentage)


1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37

Share of Total Deposits

[Year-end balance] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019

() 1H 1H 1H 1H 1H

Okayama Chugoku Bank 480 477 484 482 484 480 486 489 494 492

Other than Chugoku Bank 520 523 516 518 516 520 514 511 506 508Local banks other than Chugoku Bank 83 84 81 81 81 79 78 75 78 77

Secondary local banks 116 118 119 117 117 117 115 117 115 115

City banks trust banks 112 110 108 112 114 118 119 112 107 109Shinkin banks inv estment association etc 209 211 208 208 204 206 203 205 205 207

Bingo region Chugoku Bank 216 210 206 213 213 205 200 215 215 200




Chugoku Bank 79 77 77 78 77 77 77 76 74 73




Note 1 Market shares (internal use) excluding postal savings and Nokyo savings

Note 2 Excluding offshore loans Including our NCDs

(Easternregion ofHiroshima)

Shikokuregion

Materials 38

Share of Total Loans


() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities

[Parent] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(100 million yen) 1H 1H 1H 1H 1HYear-end balance 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587

JGBs 13615 11377 12069 11295 9064 8111 8536 7649 6502 6091Local bonds 5175 4654 5441 5579 5635 6716 6781 7259 7234 7714Corporate bonds 4237 4040 4256 3965 3251 3499 3617 3680 3762 3853Foreign bonds 5803 5284 5883 6051 5750 5393 3591 2933 3181 3448

(Foreign currency denominated portion) (5387) (4949) (5544) (5650) (5426) (5185) (3408) (2653) (3013) (3250)Other securities 1779 1624 1728 1897 1753 1848 1859 1793 1747 2102Equities 2002 1792 1693 1558 1690 1869 1822 1757 1521 1377

Average balance during year 30773 28688 28950 29042 29030 25747 25311 23939 23456 22963JGBs 12878 11822 11715 11151 10765 8447 8225 7726 7314 5899Local bonds 5628 4801 4988 5504 5559 6173 6375 6997 7029 7474Corporate bonds 4754 4079 4116 3969 3835 3405 3423 3658 3641 3837Foreign bonds 5080 5392 5539 5743 6194 5298 4781 3057 3036 3249


[Parent] FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019(million yen) 1H 1H 1H 1H 1H

Securities held to maturity 406 564 759 763 565 512 488 388 457 490Subsidiaryaffiliate equities - - - - - - - - - -Other securities 172331 135180 162262 155021 132300 148508 141551 142815 133717 146879

Equities 75726 57427 47280 41615 57643 75537 73051 75927 53277 50380Bonds 41653 40807 69801 68904 40296 36548 36053 25004 42395 46371Others 54951 36944 45181 44501 34361 36422 32446 41883 38044 50127

172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40

BalanceDuration by Remaining Number of Years to Maturity for Securities

0

1000

2000

3000

4000

5000

6000

7000

8000

Less than 1 year More than 1 year ndashLess than 3 years

More than 3 years ndashLess than 5 years



More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019

FY2014 FY2015 FY2015 FY2016 FY2016 FY2017 FY2017 FY2018 FY2018 FY2019（year） 1H 1H 1H 1H 1H

Yen denominated 42 41 54 58 45 48 47 50 51 54Foreign currency

denominated 29 31 44 50 42 38 42 47 41 44

Outstanding balance based on the remaining number of years to maturity for securities

Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140

Sep Dec Mar 2018 Jun Sep Dec Mar 2019 Jun Sep

Long-term fixed rate

3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating

Loans executed by interest type (new homes + refinancing)

718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)

Breakdown of use of loans executed()

New homes

Total for period from Apr 2018 to Mar2019

Ratio of loans by interest type for new homes

Long-term fixed

()

Total for period from Apr 2018 to Mar 2019

Materials 42

[Parent] FY2017 FY2018

(million yen )

1 Loans in bankruptcy proceedings 5355 4151 4311 4706 4625 4462 3881 3363 3578 3676

( of total loans outstanding) 014 011 011 011 011 010 008 007 007 008

2 Delinquent loans 67891 65206 61003 55528 59435 56169 50956 48947 45158 44896


3 Loans more than 3 months delinquent 1068 1617 1055 2025 802 724 1509 789 876 739


4 Restructured loans 14542 17088 16606 15262 15349 14283 14819 16523 19189 19722


Total risk monitored loans 88858 88063 82976 77524 80213 75639 71168 69623 68802 69035



(million yen)

Bankrupt and quasi-bankrupt loans 20063 18059 20782 19916 20653 21381 20917 18809 21308 21512

(after partial direct write-off) (8147) (7357) (8296) (7592) (7981) (8214) (7773) (7162) (8183) (8248)

Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489

Substandard loans 15611 18705 17662 17288 16151 15007 16329 17313 20065 20461

Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463

(after partial direct write-off) (B) (78153) (78696) (71829) (66044) (68576) (63040) (58824) (58778) (56208) (56199)

Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167

(after partial direct write-off) (D) (3799140) (3936688) (4118561) (4309459) (4502333) (4673873) (4793146) (4850640) (4925366) (4903903)

Ratio of target loans (AC) 236 226 204 181 180 163 150 145 140 141

(after partial direct write-off) (BD) (206) (200) (174) (153) (152) (135) (123) (121) (114) (115)

We do not implement partial direct write-off

FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014

Non-Performing LoansRisk monitored loans

Loans based on the Financial Reconstruction Act

Materials 43

Debtor Classification Transition in 1H(Upper level Forecast Lower level Value (100 million yen))

Favorableturnaround Deterioration

Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63

Substandardloans 599 8 34 503 9 6 1 38 42 16

272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349

Note ldquoOtherrdquo indicates loans that were cancelled as of the end of September 2019 or those excluded from the self-assessment due to their small size

FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44

Debtor Classification Transition in 1H (comparison)(Upper level Forecast Lower level Value)


Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45

Capital Adequacy Ratio Trends[Basel III standards]

[Parent] ( 100 million yen) FY2015 1H FY2016 FY2016 1H FY2017 FY2017 1H FY2018 FY2018 1H FY2019

Overall capital adequacy ratio 1456 1385 1306 1303 1287 1296 1256 1325

Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325

Tier I ratio (including common shares) 1375 1312 1277 1271 1287 1296 1256 1325

Overall capital adequacy 4864 4902 4817 5004 5078 5159 5104 5226

Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226

Common equity Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226

Risk weighted assets 33407 35397 36880 38402 39449 39781 40609 39441

Credit risk 31765 33778 35267 36812 37889 38247 39104 37957

Operational risk 1641 1619 1612 1590 1559 1533 1504 1484

[Consolidated] ( 100 million yen) FY2015 1H FY2016 FY2016 1H FY2017 FY2017 1H FY2018 FY2018 1H FY2019


Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)

1H FY2019 Results 2H FY2019 Plan

Figures in parentheses represent versus 1H FY2019

[Allocation source]

[Role of different types of capital]

4288（+60） Credit risk

1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer

End of Sep 2019 Total risk

Tier I Capital(incl common

shares)(parent)

()

4228Credit risk1110

1158

[Allocation source]Acceptable risk level


shares)(parent)

()

() Valuation difference on available-for-sale securities etc is deducted

127（-3）

Capital Allocation and Integration Risks

1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk

(Reference) IRRBB (Interest Rate Risk in the Banking Book) (non-consolidated) (as of end of Sep 2019)

Maximum value of ΔEVE 305 billion yen

Materiality test (maximum value of ΔEVE Tier I) 58

THORN The interest risk (maximum value of ΔEVE) of the Chugoku Bank was within 15 of Tier I capital and meets the requirements of the materiality test by the authorities

(1) Allocated capital Capital allocated to each risk up to the allocated source(Risk limit)

(2) Capital buffer

Reserves of capital in case of its losses due to stress In case of immeasurable risks When econometric model unable to estimate risk Reserves in case of new risk-taking etc

Materials 47

Use of Allocate Capital and Risk Exposure Assumptions資本配賦と統合リスクの状況（補足）

2019年度上半期における資本配賦と統合リスクの状況および2019年度下半期における資本配賦の状況は下表のとおりです（単位億円）

配賦額配賦額（前期比）（計測対象補足）

配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)

価格変動リスク 949

（相関） 123

トレーディング 20 0 20 (0)VaR（保有期間10日信頼区間999）

金銭の信託商品有価証券

信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)

モンテカルロシミュレーションUL （保有期間1年（）信頼区間999）証券化商品等について一部規制所要自己資本を使用

有価証券連結対象子会社資産を含む事業性与信（）市場関連与信（債券）については6か月

消費性与信 170 145 180 (+10) 規制所要自己資本住宅ローン等

オペレーショナルリスク 130 130 127 ( 3)

（未使用配賦資本）

バッファー資本 1158 1231 (+73)

市場リスク計

リスク量（2019年9月末）

算定方法等

―

―

預金貸出金債券等の金利感応資産負債株式投資信託等の価格変動リスク資産連結対象子会社資産負債を含む

VaR（保有期間125日信頼区間999コア預金考慮）金利リスクと株式（純投資）の相関を考慮したVaRを採用株式（政策投資）については VaRから評価益部分を控除

―

債券のデュレーション長期化方針により増額

コールローン等残高減少方針により減額

2019年9月期単体普通株式等Tier1資本から有価証券評価差額金等を控除

粗利益配分手法に基づき業務計画策定時に推計したリスク量を計上（2019年度下半期中固定）

ストレス時の資本の毀損や想定を超えるリスク量の増加新たにリスクテイクする場合などへの備え市場リスク信用リスクに対するバッファー

住宅ローン等残高増加方針により増額

898

2019年度上半期 2019年度下半期

主な増減要因等

―

バンキング

Capital Allocation and Integration Risk Trends (supplement)

The table below illustrates trends in capital allocation and integration risks in 1H FY2019 and the capital allocation trends in 2H FY2019

1H FY2019 2H FY2019Risk exposure

(End of Sep 2019)Value Value YoY Major factors that triggered change

Calculation methods etc

(Supplement measurements)

(100 million yen)

Allocation source

Allocated capital (Integration risk)

Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk

(Unused allocated capital)

Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-

bull Buffer against market risk and credit risk

Reserves of capital in case of its losses due to stress in case risk increases more than expected and in case of new risk-taking

Post risk exposure estimated at the time business plans were created based on the gross profit allocation methods (To be fixed during 2H FY2019)

Capital requirements bull Home loans etc

bull Monte Carlo simulation UL (1-year retention period 999 confidence level)

bull For securitization some restrictions on capital

bull Commercial credit including securities and assets possessed by consolidated subsidiaries

() Six months for market related credit (bonds)

bull VaR (10-day retention period 999 confidence level)

bull Money in trustbull Trading securities

bull VaR (factor in 125-day retention period 999 confidence level core deposits)

bull Employ VaR taking into account the correlation between interest risk and equities (net investment)

bull For cross-shareholdings deduct valuation gains from VaR

bull Interest sensitive assets and liabilities including deposits loans and bonds assets with price fluctuation risk including equities and investment trusts

bull Includes assets and liabilities belonging to consolidated subsidiaries

bull Increased due to the policy to hold bonds with longer durations

bull Reduced due to the policy to decrease the balance of call loans etc

bull Increased due to the policy to increase the balance of housing loans etc

Valuation difference on available-for-sale securities etc were deducted from non-consolidated common equity Tier 1 capital as of September 30 2019

Materials 48

Group Company Performance Trends

Business profile FY2017 FY2018

(Million yen )

Ordinary revenue 15120 5695 11245 5772 11312 5879

Leasing 10000 Recurring profit 1089 521 823 561 873 455

Net income 725 356 553 397 600 324


Credit assurance 10000 Recurring profit 1176 740 1344 650 1290 716

Net income 772 491 885 459 878 500


Credit card 10000 Recurring profit 319 206 354 196 344 250

Net income 243 145 240 151 246 189


10000 Recurring profit 32 32 54 60 94 61

Net income 24 24 39 48 71 48


10000 Recurring profit 391 276 735 108 -100 -240

Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd

Chugin Operation CenterCo Ltd

Securities investmentadvisor

Financial instrumenttransactions

FY20191H

FY20181H

Banking operationoutsourcing


Realow nership

ratio

Chugin Lease Co Ltd

Chugin Credit GuaranteeCo Ltd

Chugin Card Co Ltd

Chugin Asset ManagementCo Ltd

Chugin Securities Co Ltd

Materials 49

Key Press Releases2019 Apr 1 Notice on ldquoFBC Ho Chi Minh 2019 Factory Network Business Expo 2019rdquo

Apr 10 Notice on Decision of Investment in the SIB (Social Impact Bonds) Business

Apr 17 Commencement of Collaboration with Independent Business Operators to Accelerate Business Processes from the Formulation of ICT-related Strategy to the Development of Products and Services

Apr 18 Initiatives for the SDGs ndash Decision of Provision of Loans for Small Hydroelectric Power Generation Business of Nishiawakura VillageMay 10 Commencement of acceptance of applicants for ldquoOkayama City Entrepreneur SchoolrdquoMay 13 Commencement of Provision of ldquoChugin Passbook ApprdquoMay 16 Provision of Loans to ldquoAsuka IIrdquo Passenger Ship ProjectMay 17 Commencement of Internet Service ldquoChugin Startup Support PackagerdquoMay 22 Establishment of the TSUBASA SDGs Declaration May 22 Participation of The Shiga Bank Ltd in the TSUBASA Alliance

Jul 12Conclusion of ldquoAlliance and Cooperation Agreementrdquo with Okayama UNICEF -Raising awareness of the activities of UNICEF To Expandthe SDGs Initiatives -

Jul 18 Acceptance of Participants in ldquoOkayama City Business Management Seminar 2019rdquoJul 18 Acceptance of Participants in ldquoOkayama City Startup Seminarrdquo and ldquoStartup Seminar Exclusively for WomenrdquoJul 22 Opening of a Community-based Crowdfunding Website ldquoHARE FURE OKAYAMArdquoJul 26 Commencement of the counter reception tablet ldquoTSUBASA SmilerdquoAug 1 Establishment of ldquoOkayama Startup Support BaserdquoAug 1 Commencement of Recruitment ServiceAug 2 ldquoChugin Solution Conferencerdquo the Chugoku Bankrsquos First-ever and the Largest Scale Seminar and Business Convention to be HeldAug 21 Business Alliance with freee KK and the Commencement of Provision of ldquoAccounting freee for Chugoku Bankrdquo etcSep 13 Expansion of Branches That Handle Trust Business

Sep 18 Basic Agreement Concerning the Sharing of Mission-critical Systems with The Toho Bank Ltd ndash A Coordinated Measure underldquoTSUBASA Alliancerdquo

Sep 19 Notice of Holding ldquoChugin Financial Literacy Seminar 2019rdquo for the Consortium of Universities in OkayamaSep 24 Holding of ldquoBIDV Business Seminar amp Exchange Meetingrdquo

Materials 50

For inquiries regarding this document please contactManagement Planning Department The Chugoku Bank LtdMr Hisaki Mr ShimizuTel +81-86-234-6519 Fax +81-86-234-6587 Emailsouki01chuginjp

Contents

Okayama Prefecturersquos Industrial Structure Chugoku Bankrsquos Management Indicators

Okayama Prefecturersquos Economic Scale 4

Okayama Prefecturersquos Industrial Structure 6

Okayama Prefecturersquos Growth Infrastructure and Potential 8

Profit and Loss Statement 22Ordinary Revenue Breakdown 24Ordinary Expense Breakdown 25Expense Breakdown 26Major Yields 27Major Accounts (year-end balance) 28Major Accounts (average balance) 30Deposits (year-end and average balance) 32Loans (year-end and average balance) 34Loans by Industry 36Share of Total DepositsShare of Total Loans 38Securities 40BalanceDuration by Remaining Number of Years to Maturity for Securities 41Housing Loans 42Non-Performing Loans 43Debtor Classification Transition 44Capital Adequacy Ratio Trends 46Capital Allocation and Integration Risks 47Use of Allocated Capital and Risk Exposure Assumptions 48Group Company Performance Trends 49Key Press Releases 50


Okayama BSI 14

Industrial Production and Exports 15

Capital Investment and Public Investment 16

Consumer Spending 17

Housing Investment 18

Employment and Income 19

Land Prices and Corporate Bankruptcies 20





Oct 2018


















4

2

0

2

4

6

0

10

20

30

40

50

東京都

愛知県

大阪府

神奈川県

埼玉県

兵庫県

千葉県

福岡県

北海道

静岡県

茨城県

広島県

京都府

宮城県

栃木県

新潟県

群馬県

長野県

三重県

福島県

岡山県

岐阜県

滋賀県

山口県

熊本県

鹿児島県

愛媛県

岩手県

石川県

青森県

富山県

長崎県

大分県

沖縄県

山形県

香川県

宮崎県

和歌山県

奈良県

秋田県

山梨県

福井県

徳島県

佐賀県

島根県

高知県

鳥取県



()



1045


Toky

o Ai

chi

Osa

kaKa

naga

wa

Saita

ma

Hyo

go

Chi

ba

Hok

kaid

o Fu

kuok

a Sh

izuo

ka

Ibar

aki

Hiro

shim

aKy

oto

Miy

agi

Toch

igi

Niig

ata

Gun

ma

Nag

ano

Mie

Fu

kush

ima

Oka

yam

aG

ifu

Shig

a Ya

mag

uchi

Ku

mam

oto

Kago

shim

aEh

ime

Iwat

e To

yam

a Is

hika

wa

Aom

ori

Nag

asak

iO

ita

Oki

naw

a Ya

mag

ata

Kaga

wa

Miy

azak

iN

ara

Wak

ayam

aAk

ita

Yam

anas

hiFu

kui

Toku

shim

aSa

ga

Shim

ane

Koch

i To

ttori

-

-

Materials 5




RetailTransport

postal service

Construc-tion





-100

-50

00

50

100

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015


Okayama Prefecture

Kagawa Prefecture

()

()




support service

Public service


Materials 6

364

258

190

110

78

459

541







Other regions




70992 billion yen


30261 billion yen

Petroleum coal

Chemicals



Steel



Electric machinery

Transport machinery

Other

Okayama

Nationwide

Materials 7


7000

6000

5000

4000

3000

2000

1000


2016 2017 2018

(People)


20

10

00

10

20

-1000000

0

1000000

2000000










-

-

-

-

-

-

-

-

-

Materials 8


65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045




1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045




Materials 9



3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50






Oct 2018


















4

2

0

2

4

6

0

10

20

30

40

50

東京都

愛知県

大阪府

神奈川県

埼玉県

兵庫県

千葉県

福岡県

北海道

静岡県

茨城県

広島県

京都府

宮城県

栃木県

新潟県

群馬県

長野県

三重県

福島県

岡山県

岐阜県

滋賀県

山口県

熊本県

鹿児島県

愛媛県

岩手県

石川県

青森県

富山県

長崎県

大分県

沖縄県

山形県

香川県

宮崎県

和歌山県

奈良県

秋田県

山梨県

福井県

徳島県

佐賀県

島根県

高知県

鳥取県



()



1045


Toky

o Ai

chi

Osa

kaKa

naga

wa

Saita

ma

Hyo

go

Chi

ba

Hok

kaid

o Fu

kuok

a Sh

izuo

ka

Ibar

aki

Hiro

shim

aKy

oto

Miy

agi

Toch

igi

Niig

ata

Gun

ma

Nag

ano

Mie

Fu

kush

ima

Oka

yam

aG

ifu

Shig

a Ya

mag

uchi

Ku

mam

oto

Kago

shim

aEh

ime

Iwat

e To

yam

a Is

hika

wa

Aom

ori

Nag

asak

iO

ita

Oki

naw

a Ya

mag

ata

Kaga

wa

Miy

azak

iN

ara

Wak

ayam

aAk

ita

Yam

anas

hiFu

kui

Toku

shim

aSa

ga

Shim

ane

Koch

i To

ttori

-

-

Materials 5




RetailTransport

postal service

Construc-tion





-100

-50

00

50

100

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015


Okayama Prefecture

Kagawa Prefecture

()

()




support service

Public service


Materials 6

364

258

190

110

78

459

541







Other regions




70992 billion yen


30261 billion yen

Petroleum coal

Chemicals



Steel



Electric machinery

Transport machinery

Other

Okayama

Nationwide

Materials 7


7000

6000

5000

4000

3000

2000

1000


2016 2017 2018

(People)


20

10

00

10

20

-1000000

0

1000000

2000000










-

-

-

-

-

-

-

-

-

Materials 8


65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045




1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045




Materials 9



3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50



4

2

0

2

4

6

0

10

20

30

40

50

東京都

愛知県

大阪府

神奈川県

埼玉県

兵庫県

千葉県

福岡県

北海道

静岡県

茨城県

広島県

京都府

宮城県

栃木県

新潟県

群馬県

長野県

三重県

福島県

岡山県

岐阜県

滋賀県

山口県

熊本県

鹿児島県

愛媛県

岩手県

石川県

青森県

富山県

長崎県

大分県

沖縄県

山形県

香川県

宮崎県

和歌山県

奈良県

秋田県

山梨県

福井県

徳島県

佐賀県

島根県

高知県

鳥取県



()



1045


Toky

o Ai

chi

Osa

kaKa

naga

wa

Saita

ma

Hyo

go

Chi

ba

Hok

kaid

o Fu

kuok

a Sh

izuo

ka

Ibar

aki

Hiro

shim

aKy

oto

Miy

agi

Toch

igi

Niig

ata

Gun

ma

Nag

ano

Mie

Fu

kush

ima

Oka

yam

aG

ifu

Shig

a Ya

mag

uchi

Ku

mam

oto

Kago

shim

aEh

ime

Iwat

e To

yam

a Is

hika

wa

Aom

ori

Nag

asak

iO

ita

Oki

naw

a Ya

mag

ata

Kaga

wa

Miy

azak

iN

ara

Wak

ayam

aAk

ita

Yam

anas

hiFu

kui

Toku

shim

aSa

ga

Shim

ane

Koch

i To

ttori

-

-

Materials 5




RetailTransport

postal service

Construc-tion





-100

-50

00

50

100

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015


Okayama Prefecture

Kagawa Prefecture

()

()




support service

Public service


Materials 6

364

258

190

110

78

459

541







Other regions




70992 billion yen


30261 billion yen

Petroleum coal

Chemicals



Steel



Electric machinery

Transport machinery

Other

Okayama

Nationwide

Materials 7


7000

6000

5000

4000

3000

2000

1000


2016 2017 2018

(People)


20

10

00

10

20

-1000000

0

1000000

2000000










-

-

-

-

-

-

-

-

-

Materials 8


65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045




1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045




Materials 9



3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50





RetailTransport

postal service

Construc-tion





-100

-50

00

50

100

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015


Okayama Prefecture

Kagawa Prefecture

()

()




support service

Public service


Materials 6

364

258

190

110

78

459

541







Other regions




70992 billion yen


30261 billion yen

Petroleum coal

Chemicals



Steel



Electric machinery

Transport machinery

Other

Okayama

Nationwide

Materials 7


7000

6000

5000

4000

3000

2000

1000


2016 2017 2018

(People)


20

10

00

10

20

-1000000

0

1000000

2000000










-

-

-

-

-

-

-

-

-

Materials 8


65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045




1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045




Materials 9



3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


364

258

190

110

78

459

541







Other regions




70992 billion yen


30261 billion yen

Petroleum coal

Chemicals



Steel



Electric machinery

Transport machinery

Other

Okayama

Nationwide

Materials 7


7000

6000

5000

4000

3000

2000

1000


2016 2017 2018

(People)


20

10

00

10

20

-1000000

0

1000000

2000000










-

-

-

-

-

-

-

-

-

Materials 8


65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045




1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045




Materials 9



3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50



7000

6000

5000

4000

3000

2000

1000


2016 2017 2018

(People)


20

10

00

10

20

-1000000

0

1000000

2000000










-

-

-

-

-

-

-

-

-

Materials 8


65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045




1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045




Materials 9



3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50



65

70

75

80

85

90

95

100

2015 2020 2025 2030 2035 2040 2045




1922 18901846

17971742

16811620

1400

1500

1600

1700

1800

1900

2000

2015 2020 2025 2030 2035 2040 2045




Materials 9



3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




3538 3633

12388 11541 10047

7524 9107

12283

4685

359 318

829976

658566

768653

376

(400)

(200)

-

200

400

600

800

1000

1200

-

500

1000

1500

2000


Area (left axis)


(ha) (Sites)


80

90

100

110

120

130


2025 2030 2035 2040 2045



（）

Materials 10







Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50








Materials 11











first introduced


Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50



Materials 12
















Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50






Intro

ducti

on of

cons

umpti

on ta

xRe

strict

ions o

n tota

l real

estat

e loa

ns

Gul

f War

Grea

t Han

shin

Earth

quak

e

Lift o

f zer

o inte

rest

rate

polic

yIT

bub

bleBO

J qua

ntitat

ive ea

sing

Terro

r atta

cks o

n the

US

Iraq W

ar

Lift o

f zer

o inte

rest

rate

polic

y

Lift o

f qua

ntitat

ive ea

sing Co

llaps

e of L

ehma

n Bro

thers

Sub-

prim

e mor

tgage

crisi

s

Grea

t Eas

t Jap

an E

arthq

uake

BOJ c

ompr

ehen

sive m

oneta

ry ea

sing

BOJ q

uanti

tative

and q

ualita

tive e

asing

Cons

umpti

on ta

x hike

-

Jul - Sep results

-34

Oct - Dec forecast

-91


Cons

umpti

on ta

x hike

Finan

cial s

ystem

insta

bility

Finan

cial R

econ

struc

tion L

aw

Asia

finan

cial c

risis

BOJ i

ntrod

uces

nega

tive i

ntere

st ra

tes

20172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989 20192018

Materials 14



0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




0

200

400

600

800

1000

1200

20101 20111 20121 20131 20141 20151 20161 20171 20181 20191

80

90

100

110

120

20141 20151 20161 20171 20181 20191


Source Kobe customs





Materials 15



90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




90

60

30

0

30

60

90

0

100

200

300

400

500

600

2014 2015 2016 2017 2018 2019


岡山県全国


2016年度実績 264 94 141 26 07 04

2017年度実績 70 04 45 63 34 44

2018年度実績 241 174 218 86 54 66







Okayama

Total

Nationwide



FY2016 results

FY2017 results

FY2018 results

FY2019 Plan

-

-

-

-

-

-

-


-

-

-

Materials 16


40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50



40

20

0

20

40

20151 20161 20171 20181 20191

15

10

5

0

5

10

15

20151 20161 20171 20181 20191



（）

（）



-

-


-


Materials 17

0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


0

200

400

600

800

20151 20161 20171 20181 20191


600

800

1000

1200

1400

20151 20161 20171 20181 20191


Source MLIT



Source MLIT



Materials 18

85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


85

90

95

100

105

20151 20161 20171 20181 20191


12

14

16

18

20

22

20151 20161 20171 20181 20191








Materials 19

0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


0

5

10

15

20

25

30

2013 2014 2015 2016 2017 2018 20190

50

100

150

200

250

300




40

30

20

10

00

10

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

住宅地

商業地

（）







Residential

Commercial



-

-

-

-

Materials 20










24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50











24702 16094 27252 12590 20323 10566 21258 9713 16199 8644






Materials 22





2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50






2625 1892 4311 3520 13536 1634 3827 2679 4865 1727

- - - - - - - - - 25

2580 1485 2568 2788 15575 1901 6308 2895 3622 668

- - - - - - - - - -

- - - - - 34 - 100 125 -






-6160 -2577 -3652 -487 -104 -2498 -1753 464 2972 -358

5789 -82 -209 -2241 -187 -136 -25 -261 1088 1373

Loan write-offs - - - - - - - - 65 -









Materials 23







370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50








370 2659 3861 2728 291 2634 1778 - - -4 0 0 12 12 5 5 0 0 3

Other 2553 1903 3079 1610 2850 1322 4380 1846 3248 2273


Materials 24











Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50












Materials 25

Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


Expense Breakdown




Taxes 2798 1999 3085 2033 3114 2518 3617 1896 3114 1853


Materials 26

Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


Major Yields








Tota

l for

all

bran

ches

Dom

estic

ban

king

ope

ratio

ns

Materials 27




Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50





Total assets 75894 73908 77701 82481 82554 82991 84395 83679 82257 83579


Loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Securities 32614 28773 31073 30347 27146 27439 26208 25074 23949 24587



Call loans 518 405 74 1457 1905 1743 1412 2614 396 2091

Debt purchased 320 198 206 222 215 261 271 268 295 258







Other assets 580 355 332 461 446 550 1094 703 1118 1167




Materials 28





200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50






200 198 200 199 150 150 250 201 180 180





Materials 29





Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50






Materials 30





200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50






200 199 199 199 199 150 210 249 209 180





Materials 31














Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50















Materials 32













Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50














Materials 33




General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50





General capital 32710 33669 35298 37059 38930 40332 41543 42098 42982 42811









Okayama 19167 19842 21166 22441 24003 25305 25973 26423 26911 26808

Hiroshima 6588 6726 6924 7162 7415 7671 7935 8128 8408 8503

Kagawa Ehime 2603 2602 2766 2839 2985 3097 3241 3236 3351 3362

Hyogo 1628 1705 1873 1996 2102 2295 2513 2623 2699 2664

Tottori 267 270 278 296 297 315 341 341 357 365

Osaka 1049 1162 1175 1286 1313 1228 1120 1129 1051 1033

Tokyo 5822 6151 6022 6020 5717 5525 5433 5177 5084 4879



Total loans 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Scale

Region

Materials 34




General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50





General capital 32129 33084 33908 36191 37230 39604 40295 41680 42194 42744


Urban 6609 6885 7040 7217 7170 6857 6699 6289 6210 5827

Private loans 9253 9433 9501 9762 9873 10375 10514 10894 11006 11335


Other 94 383 532 1464 2055 3531 3843 4454 4597 4762





Okayama 18641 19533 20021 21812 22607 24665 25181 26114 26381 26741

Hiroshima 6524 6626 6733 7008 7168 7517 7652 8014 8167 8444

Kagawa Ehime 2517 2582 2639 2781 2832 3028 3086 3216 3254 3356

Hyogo 1556 1689 1753 1943 1992 2193 2290 2571 2625 2686

Tottori 270 270 274 288 295 306 317 337 345 360

Osaka 1023 1087 1134 1288 1306 1280 1229 1119 1116 1026

Tokyo 5689 5930 6038 6053 5980 5694 5593 5305 5234 4947



Total loans 36351 37881 38748 41310 42324 44859 45518 46907 47344 47780

Region

Type

Materials 35





Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50






Manufacturing 6911 6845 7108 6977 6911 6663 7003 6655 6757 6443


Fishing 10 13 11 17 25 46 45 36 32 34


Construction 1130 1119 1159 1140 1214 1194 1296 1221 1304 1210








Other 4408 4693 4845 5320 5566 6001 6349 6516 6650 6902



Other 9222 9389 9637 9770 10195 10414 10502 10875 11371 11523

Housing loans 7525 7563 7588 7637 7672 7683 7736 7790 7930 8082


Total 37289 38610 40365 42173 44003 45607 46761 47300 48087 47847

Materials 36



1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




1H 1H 1H 1H 1H


Manufacturing 186 178 177 166 158 147 150 141 141 135


Fishing 00 00 00 00 01 01 01 01 01 01


Construction 30 29 29 27 28 26 28 26 27 25








Other 119 122 121 127 127 132 136 138 139 145



Other 248 244 240 232 233 229 226 231 238 242

Housing loans 203 197 189 182 175 169 166 166 166 170

Materials 37



() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




() 1H 1H 1H 1H 1H









Chugoku Bank 79 77 77 78 77 77 77 76 74 73







Shikokuregion

Materials 38



() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




() 1H 1H 1H 1H 1H









Chugoku Bank 96 97 102 105 106 112 113 113 115 115






Shikokuregion

Materials 39

Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


Securities









172738 135744 163022 155785 132866 149020 142039 143203 134174 147370Total

Balance by type

Valuation gainloss

Materials 40


0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50



0

1000

2000

3000

4000

5000

6000

7000

8000





More than 10 years

1H FY2015

1H FY2016

1H FY2017

1H FY2018

1H FY2019



denominated 29 31 44 50 42 38 42 47 41 44


Duration

(100 million yen)

Materials 41

0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


0

20

40

60

80

100

120

140



3-year fixed rate

5-year fixed rate

10-year fixed rate

Floating


718 23 29

224

07

3-yr fixed

5-yr fixed

10-yr fixed

Floating

944

56 Refinancing

Housing Loans

(100 million yen)


New homes



Long-term fixed

()


Materials 42


(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50



(million yen )












(million yen)



Doubtful loans 54395 52632 45871 41164 44443 39819 34721 34303 27959 27489


Subtotal (A) 90069 89398 84316 78368 81248 76207 71968 70425 69334 69463


Healthy loans 3720986 3857992 4046731 4243414 4433756 4610832 4734322 4791861 4869157 4847703

Total (C) 3811056 3947390 4131048 4321783 4515005 4687040 4806290 4862286 4938491 4917167





FY20191H

FY20191H

FY2016 FY20171H

FY20171H

FY20151H

FY2015

FY20151H

FY20181H

FY20181H

FY20161H

FY2016

FY2015FY2014 FY20161H

FY2014



Materials 43



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthy loans 159802 159017 484 35 14 53 1 198 587

45637 44799 228 19 2 11 0 578 260

5025 247 4340 86 34 22 3 293 247 145

2058 144 1826 42 16 4 1 25 144 63


272 5 11 232 10 0 0 14 16 10

804 2 15 3 730 14 4 36 20 18

275 0 6 3 254 7 1 4 9 8

515 3 6 - - 365 18 123 9 18

175 0 0 - - 158 8 9 0 8

Bankruptclients

199 - - - - - 172 27 -

35 - - - - - 30 5 -

Total 166944 159277 4879 627 787 460 199 715 318 784

48452 44948 2071 296 282 180 40 635 169 349


FY2019　1HFY

2018

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Materials 44



Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




Healthyloans

Otherdoubtfulloans

Substandardloans

Virtuallybankrupt

loans

Legallybankrupt

loans

Bankruptclients

Other(see note)

Healthyloans

100 9951 030 002 001 003 000 012 037

100 9816 050 004 000 002 000 127 057

100 492 8637 171 068 044 006 583 492 289

100 700 8873 204 078 019 005 121 700 306


100 184 404 8529 368 000 000 515 588 368

100 025 187 037 9080 174 050 448 249 224

100 000 218 109 9236 255 036 145 327 291

100 058 117 - - 7087 350 2388 175 350

100 000 000 - - 9029 457 514 000 457

Bankruptclients

100 - - - - - 8643 1357 -

100 - - - - - 8571 1429 -

Total 100 9541 292 038 047 028 012 043 019 047

100 9277 427 061 058 037 008 131 035 072


FY2019 1H

Otherdoubtfulloans

Virtuallybankrupt

loans

Legallybankrupt

loans

FY20

18

Materials 45




Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50





Tier I ratio 1375 1312 1277 1271 1287 1296 1256 1325



Tier 1 capital 4595 4645 4712 4883 5078 5159 5104 5226



Credit risk 31765 33778 35267 36812 37889 38247 39104 37957




Tier I ratio 1411 1348 1308 1306 1322 1332 1288 1361



Tier 1 capital 4753 4815 4863 5046 5247 5334 5265 5395



Credit risk 31968 34007 35494 36977 38054 38413 39280 38057


Materials 46

(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50


(100 million yen)



[Allocation source]



1040（-70）

Market risk

1890（+60）

Integration risk

3057

1231（+73）

2172

(2) Capital buffer



shares)(parent)

()

4228Credit risk1110

1158



shares)(parent)

()


127（-3）


1249

130

Integration risk

3070

Operationalrisk

Market risk

1830

(1)Allocated

capital

793

(2) Capital buffer

130

(1)Allocated

capital

Operationalrisk






(2) Capital buffer


Materials 47




配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50





配賦原資 4228 4288 (+60)

配賦資本（統合リスク） 3070 2172 3057 ( 13)

1830 1249 1890 (+60)

1810 金利リスク 423 1870 (+60)


（相関） 123



信用リスク計 1110 793 1040 ( 70)

事業性与信 940 648 860 ( 80)




オペレーショナルリスク 130 130 127 ( 3)


バッファー資本 1158 1231 (+73)

市場リスク計


算定方法等

―

―



―







898



―

バンキング







(100 million yen)

Allocation source


Market risk total

Banking

Trading

Credit risk total

Commercial credit

Consumer credit

Operational risk


Capital buffer

InterestriskPrice

fluctuationrisk

(Correlation) -

-

-

-

-




















Materials 48



(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50




(Million yen )



Net income 725 356 553 397 600 324



Net income 772 491 885 459 878 500



Net income 243 145 240 151 246 189



Net income 24 24 39 48 71 48



Net income 261 188 521 72 -137 -261



Net income 117 81 151 45 90 35



Net income 16 19 17 17 17 17

FY2016 FY20171H

CBS Co Ltd




FY20191H

FY20181H



Realow nership

ratio

Chugin Lease Co Ltd


Chugin Card Co Ltd



Materials 49









Materials 50










Materials 50


1H FY2019 Earnings Results Briefing (Reference materials)...36.4 25.8 19.0 11.0 7.8 45.9 54.1...

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Transcript of 1H FY2019 Earnings Results Briefing (Reference materials)...36.4 25.8 19.0 11.0 7.8 45.9 54.1...