The Chiba Bank (8331) investor relations material

Executive summary

• Achieved record-high net income for the fourth consecutive year on both non-consolidated and consolidated bases, with strong growth in net interest income and steady fee income.

• Consolidated ordinary income rose 22.8% year-over-year to ¥445.0 billion, driven by higher interest on loans and discounts.

• Ordinary profit increased 29.1% to ¥138.8 billion, and profit attributable to owners of parent grew 26.6% to ¥94.1 billion.

• Loans outstanding rose by ¥899.1 billion to ¥14,082.3 billion, and deposits increased by ¥578.5 billion to ¥16,830.4 billion.

• Digital transformation initiatives advanced, with increased app and portal registrations and new digital features launched.

Financial highlights

• Consolidated net income rose to ¥94.1 billion, up ¥19.8 billion year-over-year; ordinary profit increased by ¥31.3 billion to ¥138.8 billion.

• Net interest income grew by ¥42.1 billion (26.3% YoY) to ¥194.8 billion, driven by higher loan yields and increased securities income.

• Net fees and commissions reached ¥42.5 billion, up ¥1.8 billion YoY, marking a record high for the sixth consecutive year.

• G&A expenses increased by ¥8.1 billion to ¥104.9 billion, but the OHR improved to 41.58%.

• Credit-related expenses declined by ¥1.0 billion to ¥9.7 billion, with the non-performing loan ratio improving to 0.84%.

Outlook and guidance

• FY2026 plan targets further record-high net income of ¥107.0 billion and ordinary profit of ¥154.3 billion.

• Dividend per share forecast for FY2026 is ¥64.00, up from ¥52.00 in FY2025.

• Continued focus on expanding loan balances, especially in corporate and overseas segments, and maintaining cost discipline.

• Ongoing digital and sustainability initiatives, including alliances and new service launches, to drive future growth.

• Non-consolidated ordinary profit is projected at ¥150.4 billion (+11.7%), and net income at ¥105.8 billion (+14.5%).