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Chiba Bank, First Half Ordinary Profit Increases by 19%, Jul-Sep Ordinary Profit Increases by 30%

Fri Nov 7, 2025 3:30 pm JST Earnings

8331 The Chiba Bank, Ltd. 【J-GAAP】

Earnings Report

The Chiba Bank, Ltd. <8331> [TSE Prime] announced its financial results after the market closed on November 7th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 18.5% from the same period last year, reaching 64.3 billion yen. Progress toward the full-year plan of 124 billion yen was 51.8%, it was below the five-year average of 55.2%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to grow 12.7% from the same period last year, reaching 59.9 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 30.2% from the same period last year, reaching 33.3 billion yen.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 152,979 ー 49,987 34,789 48.0 55.4 Nov 9, 2023 J-GAAP
Apr - Sep, 2024 173,634 ー 54,334 37,772 52.8 50.5 Nov 11, 2024 J-GAAP
Apr - Sep, 2025 211,370 ー 64,395 44,222 62.5 51.8 Nov 7, 2025 J-GAAP
YoY +21.7% － +18.5% +17.1% +18.4%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance ー ー 59,800 40,700 57.5 24 May 8, 2025 J-GAAP
Apr - Sep, 2025 Results 211,370 ー 64,395 44,222 62.5 24 Nov 7, 2025 J-GAAP
Revision Rate － － +7.7% +8.7% +8.7%

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 188,545 ー 53,172 36,487 51.2 22 May 8, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 59,905 40,778 58.0 24 Nov 7, 2025 J-GAAP
YoY － － +12.7% +11.8% +13.4%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 310,742 ー 90,262 62,440 86.5 32 May 10, 2024 J-GAAP
Mar, 2025 362,179 ー 107,506 74,259 104.2 40 May 8, 2025 J-GAAP
Mar, 2026 Guidance ー ー 124,300 85,000 121.0 48 May 8, 2025 J-GAAP
YoY － － +15.6% +14.5% +16.1%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 85,616 ー 25,605 17,740 24.8 0.0 Nov 11, 2024 J-GAAP
Oct - Dec, 2024 88,968 ー 25,388 16,761 23.5 0.0 Feb 7, 2025 J-GAAP
Jan - Mar, 2025 99,577 ー 27,784 19,726 27.7 0.0 May 8, 2025 J-GAAP
Apr - Jun, 2025 102,755 ー 31,070 21,783 30.8 0.0 Aug 4, 2025 J-GAAP
Jul - Sep, 2025 108,615 ー 33,325 22,439 31.7 0.0 Nov 7, 2025 J-GAAP
YoY +26.9% － +30.2% +26.5% +27.9%

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