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The Chiba Bank
The Chiba Bank (8331) investor relations material
The Chiba Bank Q2 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2027 earnings summary9 Nov, 2026
Executive summary
H1 FY2026 consolidated profit attributable to owners of the parent rose ¥12.8B YoY to ¥57.0B; consolidated earnings reached a record high for the third consecutive term.
Higher interest income supported results, while bond-related losses and increased credit costs partly offset growth; total deposits fell from March 2026 on public-sector deposit declines.
Financial highlights
Consolidated ordinary income was ¥270.1B, up 27.7% YoY; ordinary profit rose 26.5% to ¥81.5B and parent profit rose 28.9% to ¥57.0B.
Consolidated net revenue increased ¥26.5B YoY to ¥131.7B; net interest income rose ¥45.6B to ¥137.7B and net fees and commissions rose ¥4.1B to ¥24.9B.
Non-consolidated net interest income increased ¥45.6B YoY to ¥141.2B; core net business income was ¥108.8B, up 65.4%, under the stated definition.
Consolidated net business income before general loan-loss provisions rose ¥20.7B to ¥79.3B.
Loans and bills discounted were ¥14,227.9B at September 30, up ¥145.5B from March 31; securities rose ¥63.1B to ¥3,555.0B, while consolidated deposits fell ¥223.2B to ¥16,607.1B.
Outlook and guidance
FY2026 consolidated forecasts were raised to ordinary profit of ¥176.4B and parent profit of ¥122.0B; 1H progress was 46.1% and 46.7%, respectively.
FY2026 non-consolidated forecasts were raised to ordinary profit of ¥172.5B and net income of ¥120.8B; 1H progress was 47.0% and 48.1%, respectively.
Annual dividend forecast increased to ¥72 per share, comprising ¥32 interim and ¥40 year-end, from the prior ¥64 projection.
FY2026 plan assumes a flat 1.25% policy interest rate; actual results may differ with operating conditions and other factors.
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Latest events from The Chiba Bank
- Record-high profit and income growth support improved capital and strong shareholder returns.8331
Q1 2027 - Record profits, improved efficiency, and major management consolidation announced.8331Q4 2026
- Record profit growth, higher dividends, and a management consolidation announced.8331Q3 2026
- Accelerated digital and AI transformation targets productivity, HR innovation, and new business models.8331Investor Update
- Record-high profit, strong loan and deposit growth, and a major management consolidation planned.8331Q2 2026
- Record profit and loan growth, improved asset quality, and strong capital ratios.8331Q1 2026
- Record earnings, digital advances, and share buyback drive upward profit forecast.8331Q2 2025
- Profits and assets rose, with strong loan growth and improved asset quality.8331Q1 2025
- Record profit growth and digital expansion drive higher earnings and dividends for FY2025.8331Q4 2025
Next The Chiba Bank earnings date
Q3 20273 Feb, 2027
The Chiba Bank
Next The Chiba Bank earnings date
Q3 20273 Feb, 2027
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Frequently asked questions
The Chiba Bank, Ltd. is a Japanese financial institution that provides a broad range of banking and financial services. Its offerings include retail and corporate banking, loans, deposit accounts, investment services, and asset management solutions. The bank caters to individual customers, small and medium-sized enterprises, and large corporations. The company is headquartered in Chiba, Japan, and its shares are listed on the Tokyo Stock Exchange (TSE).