The Chiba Bank (8331) Q3 2026 earnings summary

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.