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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.Q1 2026 earnings summary8 Aug, 2025
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.
Explain Chiba Bank's Purpose and Vision.
Detail the drivers behind deposit growth.
What is the non-performing loan ratio?
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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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