The Chiba Bank (8331) Q4 2025 earnings summary

Executive summary

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

• Consolidated ordinary income rose 16.5% year-over-year to ¥362.2 billion, driven by higher interest on loans and discounts.

• Ordinary profit increased 19.1% to ¥107.5 billion, and profit attributable to owners of parent grew 18.9% to ¥74.3 billion.

• Continued focus on community engagement, digital transformation, and sustainability initiatives, including new subsidiaries and expanded digital services.

• Total assets reached ¥21,631.2 billion, up ¥322.5 billion from the previous year.

Financial highlights

• Consolidated net income rose to ¥74.2B, up ¥11.8B year-over-year; ordinary profit increased to ¥107.5B, up ¥17.2B.

• Net interest income grew by ¥20.0B to ¥156.7B; net fees and commissions reached a record ¥30.8B, up ¥0.7B year-over-year.

• Gross business profit increased to ¥186.5B, up ¥18.3B; G&A expenses rose by ¥4.6B to ¥89.7B.

• Credit-related expenses increased to ¥10.8B, but remained at 75% of projection.

• Non-performing loan ratio remained low at 0.90%.

Outlook and guidance

• FY2025 plan targets further record net income of ¥84.6B (non-consolidated) and ¥85.0B (consolidated), with gross business profit expected to reach ¥208.1B.

• Consolidated ordinary profit is forecast at ¥124.3B (+15.6% YoY), with profit attributable to owners of parent at ¥85.0B (+14.4% YoY).

• Dividend per share is forecast to rise to ¥48.00 for FY2025, with a payout ratio of 39.9%.

• Net interest income projected to rise to ¥175.2B; net fees and commissions to ¥31.5B.

• Shareholder return policy revised to a dividend ratio of approximately 40%.