)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
The Chiba Bank
The Chiba Bank (8331) investor relations material
The Chiba Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Feb, 2026
Executive summary
Achieved record high consolidated net income for the third quarter for four consecutive terms, with profit attributable to owners of parent up 26.1% year-over-year to 68.8 billion yen for the nine months ended December 2025.
Ordinary income for the nine months ended December 31, 2025, rose 23.2% year-over-year to 323.7 billion yen, driven by higher interest income.
Ordinary profit increased 25.0% to 99.7 billion yen.
Net interest income rose significantly by 28.8 billion yen year-over-year, driven by higher loan yields and increased loan balances.
Net income progress reached 76.4% of the full-year projection.
Financial highlights
Consolidated net revenue increased by 16.9 billion yen year-over-year to 162.9 billion yen.
Net interest income reached 141.9 billion yen, up 28.8 billion yen year-over-year.
General & administrative expenses increased by 6.7 billion yen to 78.4 billion yen.
Non-performing loan ratio improved to 0.81% from 0.92% year-over-year.
Net assets increased to 1,242.7 billion yen from 1,145.2 billion yen at the previous fiscal year-end.
Outlook and guidance
FY2025 full-year consolidated net income forecast is 90.0 billion yen, with 76.4% progress as of 3Q.
FY2025 earnings forecast revised upward: ordinary profit projected at 131.6 billion yen (+22.4% YoY), profit attributable to owners of parent at 90.0 billion yen (+21.1% YoY), and EPS at 127.97 yen.
Dividend forecast for FY2025 was raised to 52.00 yen per share, with a year-end dividend of 28.00 yen per share.
Net interest income for the full year is projected at 192.5 billion yen, reflecting continued benefit from higher policy rates.
Upward revision driven by expected increases in net interest income and gains related to stocks.
How will the two brands operate post-consolidation?
Explain comprehensive income drivers
What caused the interest rate spread improvement?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next The Chiba Bank earnings date
Q4 20268 May, 2026
The Chiba Bank
Next The Chiba Bank earnings date
Q4 20268 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, 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.
)
Leroy DaleyApp Store
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.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
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.
Leroy DaleyApp Store
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.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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).
Quartr provides global coverage of all investor relation material from public companies.
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.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage