The Chiba Bank (8331) Q2 2027 earnings summary

Executive summary

• H1 FY2026 consolidated profit attributable to owners of the parent rose ¥12.8B YoY to ¥57.0B; consolidated earnings reached a record high for the third consecutive term.

• Higher interest income supported results, while bond-related losses and increased credit costs partly offset growth; total deposits fell from March 2026 on public-sector deposit declines.

Financial highlights

• Consolidated ordinary income was ¥270.1B, up 27.7% YoY; ordinary profit rose 26.5% to ¥81.5B and parent profit rose 28.9% to ¥57.0B.

• Consolidated net revenue increased ¥26.5B YoY to ¥131.7B; net interest income rose ¥45.6B to ¥137.7B and net fees and commissions rose ¥4.1B to ¥24.9B.

• Non-consolidated net interest income increased ¥45.6B YoY to ¥141.2B; core net business income was ¥108.8B, up 65.4%, under the stated definition.

• Consolidated net business income before general loan-loss provisions rose ¥20.7B to ¥79.3B.

• Loans and bills discounted were ¥14,227.9B at September 30, up ¥145.5B from March 31; securities rose ¥63.1B to ¥3,555.0B, while consolidated deposits fell ¥223.2B to ¥16,607.1B.

Outlook and guidance

• FY2026 consolidated forecasts were raised to ordinary profit of ¥176.4B and parent profit of ¥122.0B; 1H progress was 46.1% and 46.7%, respectively.

• FY2026 non-consolidated forecasts were raised to ordinary profit of ¥172.5B and net income of ¥120.8B; 1H progress was 47.0% and 48.1%, respectively.

• Annual dividend forecast increased to ¥72 per share, comprising ¥32 interim and ¥40 year-end, from the prior ¥64 projection.

• FY2026 plan assumes a flat 1.25% policy interest rate; actual results may differ with operating conditions and other factors.