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Chiba Kogyo Bank, Ordinary Profit Forecast for the Fiscal Year Revised Upward by 5%

Tue Nov 11, 2025 1:30 pm JST Earnings

8337 The Chiba Kogyo Bank, Ltd. 【J-GAAP】

Earnings Report

The Chiba Kogyo Bank, Ltd. <8337> [TSE Prime] announced its financial results in the afternoon session on November 11th (13:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) increased 16.0% from the same period last year, reaching 6.91 billion yen, resulting in an increase in profits compared to the previous forecast of a 7.8% decrease.

In addition, the full-year forecast for consolidated ordinary profit has been revised upward 4.6%, from the previous forecast of 10.8 billion yen to 11.3 billion yen (compared to 10.6 billion yen in the previous period), increasing the growth rate from 1.1% to 5.8%.

Based on the first-half performance announced by the company and the full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to decrease 7.1% from the same period last year to 4.38 billion yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit amounted to 3.05 billion yen, a 2.3% decrease compared to the same period last year.

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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 27,957 6,003 4,387 76.7 58.6 Nov 10, 2023 J-GAAP
Apr - Sep, 2024 28,482 5,963 4,051 70.5 55.8 Nov 12, 2024 J-GAAP
Apr - Sep, 2025 32,960 6,917 4,873 85.0 61.2 Nov 11, 2025 J-GAAP
YoY +15.7% +16.0% +20.3% +20.5%

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 5,500 3,800 66.2 0 May 13, 2025 J-GAAP
Apr - Sep, 2025 Results 32,960 6,917 4,873 85.0 0 Nov 11, 2025 J-GAAP
Revision Rate +25.8% +28.2% +28.3%

Guidance Update

Full Year Update

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2026 Prev 10,800 7,500 117.2 10 May 13, 2025 J-GAAP
Mar, 2026 New 11,300 7,500 117.2 10 Nov 11, 2025 J-GAAP
Revision Rate +4.6% 0.0% 0.0%

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 28,428 4,719 3,408 53.2 10 May 13, 2025 J-GAAP
Oct - Mar, 2025 Guidance 4,383 2,627 41.0 10 Nov 11, 2025 J-GAAP
YoY -7.1% -22.9% -22.9%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 54,584 10,250 7,428 112.6 10 May 14, 2024 J-GAAP
Mar, 2025 56,910 10,682 7,459 116.5 10 May 13, 2025 J-GAAP
Mar, 2026 Guidance 11,300 7,500 117.2 10 Nov 11, 2025 J-GAAP
YoY +5.8% +0.5% +0.6%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 14,518 3,128 1,891 32.9 0.0 Nov 12, 2024 J-GAAP
Oct - Dec, 2024 13,489 2,568 1,760 30.7 0.0 Feb 10, 2025 J-GAAP
Jan - Mar, 2025 14,939 2,151 1,648 25.7 0.0 May 13, 2025 J-GAAP
Apr - Jun, 2025 15,821 3,860 2,863 50.0 0.0 Aug 6, 2025 J-GAAP
Jul - Sep, 2025 17,139 3,057 2,010 35.1 0.0 Nov 11, 2025 J-GAAP
YoY +18.1% -2.3% +6.3% +6.5%

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