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The Chiba Bank (8331) investor relations material
The Chiba Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary7 Nov, 2025
Executive summary
Achieved record-high net income for the first half, both non-consolidated (five consecutive terms) and consolidated (two consecutive terms), with strong growth in net interest income and loan balances year-over-year.
Consolidated ordinary profit for the first half of FY2025 rose 18.5% year-over-year to ¥64.4 billion, and profit attributable to owners of parent increased 17.0% to ¥44.2 billion.
Non-consolidated ordinary profit was ¥64.2 billion, up 16.6% year-over-year, with net income at ¥45.4 billion, a 14.1% increase.
Consolidated ordinary income for the first half of FY2025 rose 21.7% year-over-year to ¥211.4 billion, driven by higher interest income.
The group continues to focus on community engagement and regional growth, aiming to provide both financial and social value.
Financial highlights
Net interest income increased by ¥17.5 billion year-over-year to ¥92.1 billion consolidated, and by ¥16.6 billion to ¥95.5 billion non-consolidated.
Average loan balance rose by ¥667.2 billion, and average deposit balance by ¥321.9 billion year-over-year.
Non-consolidated core net business income increased by ¥12.5 billion to ¥65.7 billion.
Net fees and commissions declined by ¥0.9 billion year-over-year, mainly due to lower corporate solutions and financial product sales.
Non-performing loan ratio improved to 0.83%, down 0.07 percentage points from the previous fiscal year-end.
Outlook and guidance
FY2025 full-year consolidated ordinary profit forecast at ¥124.3 billion, with profit attributable to owners of parent at ¥85.0 billion, both showing over 50% progress at the half-year mark.
Non-consolidated ordinary profit is projected at ¥121.6 billion, and net income at ¥84.6 billion.
Dividend per share forecast for FY2025 is ¥48.00, up from ¥40.00 in FY2024.
Upward revision in sustainable finance target from ¥2 trillion to ¥4 trillion.
Consolidation: operational autonomy post-2027
Net interest income: positive rate environment impact
Risk-Monitored Loans: industry concentration
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Next The Chiba Bank earnings date
Investor Day 202518 Dec, 2025
Next The Chiba Bank earnings date
Investor Day 202518 Dec, 2025
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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).
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