)

The Chiba Bank (8331) investor relations material
The Chiba Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Achieved record high non-consolidated net income for Q1 and fifth consecutive quarter of increased consolidated net income year-over-year.
Ordinary income rose to ¥102.8 billion, up 16.7% year-over-year, driven by higher interest income.
Ordinary profit increased to ¥31.1 billion, up ¥2.3 billion from the previous year; net income attributable to owners was ¥21.8 billion, up ¥1.8 billion.
The economic environment showed moderate recovery, with improvements in employment and income, despite ongoing uncertainties.
Financial highlights
Consolidated net interest income increased by ¥6.2B year-over-year to ¥45.4B, driven by higher loan yields and balances.
Consolidated ordinary profit rose by ¥2.3B to ¥31.0B, and profit attributable to owners of parent increased by ¥1.7B to ¥21.7B year-over-year.
Balance of loans at term-end grew 5.0% year-over-year, with domestic operations up 3.0% and overseas up 9.3%.
Non-performing loan ratio (consolidated) was 0.86%, down 0.04 percentage points from March 2025.
G&A expenses increased by ¥2.1B year-over-year, with OHR rising slightly to 45.65% on a consolidated basis.
Outlook and guidance
FY2025 plan targets ordinary profit of ¥124.3B and profit attributable to owners of parent of ¥85.0B, with progress rates near 25% after Q1.
No changes to the previously announced earnings forecast; actual results may differ due to various factors.
Interest rate rise simulations indicate further profit upside if BOJ policy rates increase to 1.0% by July 2026.
Next The Chiba Bank earnings date

Next The Chiba Bank earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage