The Chiba Bank (8331) Q2 2026 earnings summary

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.