Financials

Chiba Bank: FYE Mar 2026 and ten years of results (42 metrics)

FYE Mar 2026 · Revenue¥445bnYoY +22.9%

FYE Mar 2026 · Operating profit¥139bnYoY +29.1%

FYE Mar 2026 · Net profit¥94bnYoY +26.7%

FYE Mar 2026 · Equity ratio5.9%YoY +0.6pp

FYE Mar 2026 · Group employees4,377YoY +97

Fiscal year	Revenue	YoY	Operating profit	YoY	Margin	Net profit	Chief executive	That year
FYE Mar 2017Consolidated	¥228bn	n/a	¥78bn	n/a	34.1%	¥53bn	Sakuma Hidetoshi	—
FYE Mar 2018Consolidated	¥234bn	+2.8%	¥78bn	+1.1%	33.5%	¥54bn	Sakuma Hidetoshi	—
FYE Mar 2019Consolidated	¥239bn	+1.9%	¥72bn	−7.7%	30.4%	¥50bn	Sakuma Hidetoshi	—
FYE Mar 2020Consolidated	¥243bn	+1.8%	¥73bn	+0.2%	29.9%	¥48bn	Sakuma Hidetoshi	—
FYE Mar 2021Consolidated	¥233bn	−4.1%	¥72bn	−1.1%	30.8%	¥50bn	Sakuma Hidetoshi	—
FYE Mar 2022Consolidated	¥236bn	+1.4%	¥79bn	+9.8%	33.4%	¥54bn	Sakuma Hidetoshi	<a class="en-history_person" href="/tse/8331/executives/ceo/yonemoto-tsutomu/" hreflang="ja">Yonemoto Tsutomu</a> succeeds after twelve years
FYE Mar 2023Consolidated	¥278bn	+17.9%	¥87bn	+10.3%	31.2%	¥60bn	Yonemoto Tsutomu	—
FYE Mar 2024Consolidated	¥311bn	+11.6%	¥90bn	+3.8%	29.0%	¥62bn	Yonemoto Tsutomu	Business-improvement order over structured-note sales
FYE Mar 2025Consolidated	¥362bn	+16.6%	¥108bn	+19.1%	29.7%	¥74bn	Yonemoto Tsutomu	Edge Technology acquired; strategic shareholdings cut toward 15%
FYE Mar 2026Consolidated	¥445bn	+22.9%	¥139bn	+29.1%	31.2%	¥94bn	Yonemoto Tsutomu	—

How it compares

Fukuoka Financial Group¥621bnFY2025Operating margin 19.4%Yokohama Financial Group¥491bnFY2025Operating margin 31.6%

Chiba Bank¥445bnFY2025Operating margin 31.2%

Mebuki Financial Group¥443bnFY2025Operating margin 26.1%Shizuoka Financial Group¥439bnFY2025Operating margin 29.7%

Kyoto Financial Group¥367bnFY2025Operating margin 37.4%

Hachijuni Nagano Bank¥305bnFY2025Operating margin 26.7%

Hokuhoku Financial Group, Inc.¥277bnFY2025Operating margin 29.1%

Iyogin Holdings¥266bnFY2025Operating margin 37.3%

Gunma Bank¥265bnFY2025Operating margin 32.0%

Income statement Revenue, costs, each level of profit and the margins they leave

Where the revenue goes

¥ bn

Cost of sales Operating profit

Margins

Operating margin Ordinary margin Net margin

Revenue net sales, operating revenue

FYE Mar 2026 ¥445bn

CAGR · 10 yrs +7.7%

Fiscal year	Revenue ¥ bn	YoY	Basis
FYE Mar 2017	228	n/a	Cons. · Japanese GAAP
FYE Mar 2018	234	+2.8%	Cons. · Japanese GAAP
FYE Mar 2019	239	+1.9%	Cons. · Japanese GAAP
FYE Mar 2020	243	+1.8%	Cons. · Japanese GAAP
FYE Mar 2021	233	−4.1%	Cons. · Japanese GAAP
FYE Mar 2022	236	+1.4%	Cons. · Japanese GAAP
FYE Mar 2023	278	+17.9%	Cons. · Japanese GAAP
FYE Mar 2024	311	+11.6%	Cons. · Japanese GAAP
FYE Mar 2025	362	+16.6%	Cons. · Japanese GAAP
FYE Mar 2026	445	+22.9%	Cons. · Japanese GAAP

Definition: Everything the company took in from its own business
Formula: Revenue line of the income statement
Source: Securities report (XBRL)

Cost of sales

FYE Mar 2026 ¥306bn

CAGR · 10 yrs +8.2%

Fiscal year	Cost of sales ¥ bn	YoY	Basis
FYE Mar 2017	150	n/a	Cons. · Japanese GAAP
FYE Mar 2018	156	+3.6%	Cons. · Japanese GAAP
FYE Mar 2019	166	+6.8%	Cons. · Japanese GAAP
FYE Mar 2020	170	+2.5%	Cons. · Japanese GAAP
FYE Mar 2021	161	−5.4%	Cons. · Japanese GAAP
FYE Mar 2022	157	−2.4%	Cons. · Japanese GAAP
FYE Mar 2023	191	+21.7%	Cons. · Japanese GAAP
FYE Mar 2024	220	+15.2%	Cons. · Japanese GAAP
FYE Mar 2025	255	+15.5%	Cons. · Japanese GAAP
FYE Mar 2026	306	+20.2%	Cons. · Japanese GAAP

Definition: The cost of what was sold
Formula: Cost of sales line of the income statement
Source: Securities report (XBRL)

Operating profit

FYE Mar 2026 ¥139bn

CAGR · 10 yrs +6.7%

Fiscal year	Operating profit ¥ bn	YoY	Basis
FYE Mar 2017	77.6	n/a	Cons. · Japanese GAAP
FYE Mar 2018	78.5	+1.1%	Cons. · Japanese GAAP
FYE Mar 2019	72.5	−7.7%	Cons. · Japanese GAAP
FYE Mar 2020	72.6	+0.2%	Cons. · Japanese GAAP
FYE Mar 2021	71.8	−1.1%	Cons. · Japanese GAAP
FYE Mar 2022	78.8	+9.8%	Cons. · Japanese GAAP
FYE Mar 2023	87.0	+10.3%	Cons. · Japanese GAAP
FYE Mar 2024	90.3	+3.8%	Cons. · Japanese GAAP
FYE Mar 2025	108	+19.1%	Cons. · Japanese GAAP
FYE Mar 2026	139	+29.1%	Cons. · Japanese GAAP

Definition: What the core business earns
Formula: Gross profit − SG&A
Source: Securities report (XBRL)

Ordinary profit keijo rieki

FYE Mar 2026 ¥139bn

CAGR · 10 yrs +6.7%

Fiscal year	Ordinary profit ¥ bn	YoY	Basis
FYE Mar 2017	77.6	n/a	Cons. · Japanese GAAP
FYE Mar 2018	78.5	+1.1%	Cons. · Japanese GAAP
FYE Mar 2019	72.5	−7.7%	Cons. · Japanese GAAP
FYE Mar 2020	72.6	+0.2%	Cons. · Japanese GAAP
FYE Mar 2021	71.8	−1.1%	Cons. · Japanese GAAP
FYE Mar 2022	78.8	+9.8%	Cons. · Japanese GAAP
FYE Mar 2023	87.0	+10.3%	Cons. · Japanese GAAP
FYE Mar 2024	90.3	+3.8%	Cons. · Japanese GAAP
FYE Mar 2025	108	+19.1%	Cons. · Japanese GAAP
FYE Mar 2026	139	+29.1%	Cons. · Japanese GAAP

Definition: A level of profit that exists only under Japanese GAAP
Formula: Operating profit + non-operating income − non-operating expenses
Source: Securities report (XBRL)

Extraordinary income

FYE Mar 2026 ¥400m

CAGR · 10 yrs +29.9%

Fiscal year	Extraordinary income ¥ m	YoY	Basis
FYE Mar 2017	38.0	n/a	Cons. · Japanese GAAP
FYE Mar 2018	70.0	+84.2%	Cons. · Japanese GAAP
FYE Mar 2019	4.0	−94.3%	Cons. · Japanese GAAP
FYE Mar 2020	1.0	−75.0%	Cons. · Japanese GAAP
FYE Mar 2021	2.0	+100.0%	Cons. · Japanese GAAP
FYE Mar 2022	92.0	+4500.0%	Cons. · Japanese GAAP
FYE Mar 2023	90.0	−2.2%	Cons. · Japanese GAAP
FYE Mar 2024	958	+964.4%	Cons. · Japanese GAAP
FYE Mar 2025	4.0	−99.6%	Cons. · Japanese GAAP
FYE Mar 2026	400	+9900.0%	Cons. · Japanese GAAP

Definition: One-off gains, such as an asset sale
Formula: Extraordinary income line of the income statement
Source: Securities report (XBRL)

Net profit profit attributable to owners of the parent

FYE Mar 2026 ¥94bn

CAGR · 10 yrs +6.6%

Fiscal year	Net profit ¥ bn	YoY	Basis
FYE Mar 2017	52.7	n/a	Cons. · Japanese GAAP
FYE Mar 2018	53.8	+2.0%	Cons. · Japanese GAAP
FYE Mar 2019	50.5	−6.2%	Cons. · Japanese GAAP
FYE Mar 2020	48.0	−4.8%	Cons. · Japanese GAAP
FYE Mar 2021	49.6	+3.3%	Cons. · Japanese GAAP
FYE Mar 2022	54.5	+9.8%	Cons. · Japanese GAAP
FYE Mar 2023	60.3	+10.6%	Cons. · Japanese GAAP
FYE Mar 2024	62.4	+3.6%	Cons. · Japanese GAAP
FYE Mar 2025	74.3	+18.9%	Cons. · Japanese GAAP
FYE Mar 2026	94.1	+26.7%	Cons. · Japanese GAAP

Definition: What is left after tax
Formula: Pre-tax profit − income taxes
Source: Securities report (XBRL)

Operating margin

FYE Mar 2026 31.2%

Average · 10 yrs 31.3%

Fiscal year	Operating margin %	YoY	Basis
FYE Mar 2017	34.1	n/a	Cons. · Japanese GAAP
FYE Mar 2018	33.5	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2019	30.4	−3.2pp	Cons. · Japanese GAAP
FYE Mar 2020	29.9	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2021	30.8	+0.9pp	Cons. · Japanese GAAP
FYE Mar 2022	33.4	+2.6pp	Cons. · Japanese GAAP
FYE Mar 2023	31.2	−2.1pp	Cons. · Japanese GAAP
FYE Mar 2024	29.0	−2.2pp	Cons. · Japanese GAAP
FYE Mar 2025	29.7	+0.6pp	Cons. · Japanese GAAP
FYE Mar 2026	31.2	+1.5pp	Cons. · Japanese GAAP

Definition: The share of revenue the core business keeps
Formula: Operating profit ÷ revenue
Source: Securities report (XBRL)

Ordinary margin

FYE Mar 2026 31.2%

Average · 10 yrs 31.3%

Fiscal year	Ordinary margin %	YoY	Basis
FYE Mar 2017	34.1	n/a	Cons. · Japanese GAAP
FYE Mar 2018	33.5	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2019	30.4	−3.2pp	Cons. · Japanese GAAP
FYE Mar 2020	29.9	−0.5pp	Cons. · Japanese GAAP
FYE Mar 2021	30.8	+0.9pp	Cons. · Japanese GAAP
FYE Mar 2022	33.4	+2.6pp	Cons. · Japanese GAAP
FYE Mar 2023	31.2	−2.1pp	Cons. · Japanese GAAP
FYE Mar 2024	29.0	−2.2pp	Cons. · Japanese GAAP
FYE Mar 2025	29.7	+0.6pp	Cons. · Japanese GAAP
FYE Mar 2026	31.2	+1.5pp	Cons. · Japanese GAAP

Definition: The share of revenue left at the ordinary-profit line
Formula: Ordinary profit ÷ revenue
Source: Securities report (XBRL)

Net margin

FYE Mar 2026 21.1%

Average · 10 yrs 21.5%

Fiscal year	Net margin %	YoY	Basis
FYE Mar 2017	23.1	n/a	Cons. · Japanese GAAP
FYE Mar 2018	23.0	−0.2pp	Cons. · Japanese GAAP
FYE Mar 2019	21.2	−1.8pp	Cons. · Japanese GAAP
FYE Mar 2020	19.8	−1.4pp	Cons. · Japanese GAAP
FYE Mar 2021	21.3	+1.5pp	Cons. · Japanese GAAP
FYE Mar 2022	23.1	+1.8pp	Cons. · Japanese GAAP
FYE Mar 2023	21.7	−1.4pp	Cons. · Japanese GAAP
FYE Mar 2024	20.1	−1.6pp	Cons. · Japanese GAAP
FYE Mar 2025	20.5	+0.4pp	Cons. · Japanese GAAP
FYE Mar 2026	21.1	+0.6pp	Cons. · Japanese GAAP

Definition: The share of revenue left after everything
Formula: Net profit ÷ revenue
Source: Securities report (XBRL)

Cost-of-sales ratio

FYE Mar 2026 68.8%

Average · 10 yrs 68.7%

Fiscal year	Cost-of-sales ratio %	YoY	Basis
FYE Mar 2017	65.9	n/a	Cons. · Japanese GAAP
FYE Mar 2018	66.5	+0.5pp	Cons. · Japanese GAAP
FYE Mar 2019	69.6	+3.2pp	Cons. · Japanese GAAP
FYE Mar 2020	70.1	+0.5pp	Cons. · Japanese GAAP
FYE Mar 2021	69.2	−0.9pp	Cons. · Japanese GAAP
FYE Mar 2022	66.6	−2.6pp	Cons. · Japanese GAAP
FYE Mar 2023	68.8	+2.1pp	Cons. · Japanese GAAP
FYE Mar 2024	71.0	+2.2pp	Cons. · Japanese GAAP
FYE Mar 2025	70.3	−0.6pp	Cons. · Japanese GAAP
FYE Mar 2026	68.8	−1.5pp	Cons. · Japanese GAAP

Definition: The share of revenue taken by the cost of sales
Formula: Cost of sales ÷ revenue
Source: Securities report (XBRL)

Balance sheet Assets, debt and equity, and what they say about financial strength

What the balance sheet is made of

¥ bn

Equity Liabilities and non-controlling interests

Financial strength

Equity ratio Debt-to-equity

Total assets

FYE Mar 2026 ¥21.2tn

CAGR · 10 yrs +4.6%

Fiscal year	Total assets ¥ bn	YoY	Basis
FYE Mar 2017	14,096	n/a	Cons. · Japanese GAAP
FYE Mar 2018	14,382	+2.0%	Cons. · Japanese GAAP
FYE Mar 2019	14,964	+4.0%	Cons. · Japanese GAAP
FYE Mar 2020	15,610	+4.3%	Cons. · Japanese GAAP
FYE Mar 2021	17,884	+14.6%	Cons. · Japanese GAAP
FYE Mar 2022	19,097	+6.8%	Cons. · Japanese GAAP
FYE Mar 2023	19,778	+3.6%	Cons. · Japanese GAAP
FYE Mar 2024	21,309	+7.7%	Cons. · Japanese GAAP
FYE Mar 2025	21,631	+1.5%	Cons. · Japanese GAAP
FYE Mar 2026	21,212	−1.9%	Cons. · Japanese GAAP

Definition: Everything the company holds
Formula: Total assets line of the balance sheet
Source: Securities report (XBRL)

Equity net assets, shareholders' equity

FYE Mar 2026 ¥1.26tn

CAGR · 10 yrs +3.8%

Fiscal year	Equity ¥ bn	YoY	Basis
FYE Mar 2017	901	n/a	Cons. · Japanese GAAP
FYE Mar 2018	943	+4.7%	Cons. · Japanese GAAP
FYE Mar 2019	952	+1.0%	Cons. · Japanese GAAP
FYE Mar 2020	929	−2.4%	Cons. · Japanese GAAP
FYE Mar 2021	1,042	+12.1%	Cons. · Japanese GAAP
FYE Mar 2022	1,059	+1.7%	Cons. · Japanese GAAP
FYE Mar 2023	1,061	+0.2%	Cons. · Japanese GAAP
FYE Mar 2024	1,182	+11.3%	Cons. · Japanese GAAP
FYE Mar 2025	1,145	−3.1%	Cons. · Japanese GAAP
FYE Mar 2026	1,257	+9.8%	Cons. · Japanese GAAP

Definition: The part of the funding that never has to be repaid
Formula: Net assets line of the balance sheet
Source: Securities report (XBRL)

Interest-bearing debt

FYE Mar 2026 ¥48bn

CAGR · 10 yrs −9.5%

Fiscal year	Interest-bearing debt ¥ bn	YoY	Basis
FYE Mar 2017	117	n/a	Cons. · Japanese GAAP
FYE Mar 2018	114	−3.0%	Cons. · Japanese GAAP
FYE Mar 2019	117	+2.5%	Cons. · Japanese GAAP
FYE Mar 2020	115	−1.2%	Cons. · Japanese GAAP
FYE Mar 2021	83.2	−27.8%	Cons. · Japanese GAAP
FYE Mar 2022	103	+24.3%	Cons. · Japanese GAAP
FYE Mar 2023	110	+6.5%	Cons. · Japanese GAAP
FYE Mar 2024	121	+9.8%	Cons. · Japanese GAAP
FYE Mar 2025	44.8	−62.9%	Cons. · Japanese GAAP
FYE Mar 2026	48.0	+7.0%	Cons. · Japanese GAAP

Definition: Borrowings the company pays interest on
Formula: Loans + bonds + lease obligations
Source: Securities report (XBRL)

Long-term borrowings

FYE Mar 2026 ¥48bn

CAGR · 10 yrs −9.5%

Fiscal year	Long-term borrowings ¥ bn	YoY	Basis
FYE Mar 2017	117	n/a	Cons. · Japanese GAAP
FYE Mar 2018	114	−3.0%	Cons. · Japanese GAAP
FYE Mar 2019	117	+2.5%	Cons. · Japanese GAAP
FYE Mar 2020	115	−1.2%	Cons. · Japanese GAAP
FYE Mar 2021	83.2	−27.8%	Cons. · Japanese GAAP
FYE Mar 2022	103	+24.3%	Cons. · Japanese GAAP
FYE Mar 2023	110	+6.5%	Cons. · Japanese GAAP
FYE Mar 2024	121	+9.8%	Cons. · Japanese GAAP
FYE Mar 2025	44.8	−62.9%	Cons. · Japanese GAAP
FYE Mar 2026	48.0	+7.0%	Cons. · Japanese GAAP

Definition: Borrowings repayable in more than a year
Formula: Long-term borrowings line of the balance sheet
Source: Securities report (XBRL)

Intangible assets

FYE Mar 2026 ¥28bn

CAGR · 10 yrs +11.0%

Fiscal year	Intangible assets ¥ bn	YoY	Basis
FYE Mar 2017	10.9	n/a	Cons. · Japanese GAAP
FYE Mar 2018	11.9	+8.4%	Cons. · Japanese GAAP
FYE Mar 2019	12.9	+8.5%	Cons. · Japanese GAAP
FYE Mar 2020	14.6	+13.4%	Cons. · Japanese GAAP
FYE Mar 2021	14.4	−1.0%	Cons. · Japanese GAAP
FYE Mar 2022	14.5	−0.0%	Cons. · Japanese GAAP
FYE Mar 2023	14.2	−1.6%	Cons. · Japanese GAAP
FYE Mar 2024	14.6	+2.9%	Cons. · Japanese GAAP
FYE Mar 2025	23.9	+63.5%	Cons. · Japanese GAAP
FYE Mar 2026	28.0	+17.0%	Cons. · Japanese GAAP

Definition: Assets with no physical form
Formula: Intangible assets line of the balance sheet
Source: Securities report (XBRL)

Equity ratio

FYE Mar 2026 5.9%

Average · 10 yrs 5.9%

Fiscal year	Equity ratio %	YoY	Basis
FYE Mar 2017	6.4	n/a	Cons. · Japanese GAAP
FYE Mar 2018	6.6	+0.2pp	Cons. · Japanese GAAP
FYE Mar 2019	6.4	−0.2pp	Cons. · Japanese GAAP
FYE Mar 2020	6.0	−0.4pp	Cons. · Japanese GAAP
FYE Mar 2021	5.8	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2022	5.5	−0.3pp	Cons. · Japanese GAAP
FYE Mar 2023	5.4	−0.2pp	Cons. · Japanese GAAP
FYE Mar 2024	5.5	+0.2pp	Cons. · Japanese GAAP
FYE Mar 2025	5.3	−0.3pp	Cons. · Japanese GAAP
FYE Mar 2026	5.9	+0.6pp	Cons. · Japanese GAAP

Definition: How much of the balance sheet is funded without debt
Formula: Equity ÷ total assets
Source: Securities report (XBRL)

Debt-to-equity ratio D/E ratio

FYE Mar 2026 3.8%

Average · 10 yrs 9.6%

Fiscal year	Debt-to-equity ratio %	YoY	Basis
FYE Mar 2017	13.0	n/a	Cons. · Japanese GAAP
FYE Mar 2018	12.1	−1.0pp	Cons. · Japanese GAAP
FYE Mar 2019	12.2	+0.2pp	Cons. · Japanese GAAP
FYE Mar 2020	12.4	+0.2pp	Cons. · Japanese GAAP
FYE Mar 2021	8.0	−4.4pp	Cons. · Japanese GAAP
FYE Mar 2022	9.8	+1.8pp	Cons. · Japanese GAAP
FYE Mar 2023	10.4	+0.6pp	Cons. · Japanese GAAP
FYE Mar 2024	10.2	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2025	3.9	−6.3pp	Cons. · Japanese GAAP
FYE Mar 2026	3.8	−0.1pp	Cons. · Japanese GAAP

Definition: Borrowings measured against the company's own capital
Formula: Interest-bearing debt ÷ equity
Source: Securities report (XBRL)

ROE return on equity

FYE Mar 2026 7.5%

Average · 10 yrs 5.7%

Fiscal year	ROE %	YoY	Basis
FYE Mar 2017	5.9	n/a	Cons. · Japanese GAAP
FYE Mar 2018	5.7	−0.2pp	Cons. · Japanese GAAP
FYE Mar 2019	5.3	−0.4pp	Cons. · Japanese GAAP
FYE Mar 2020	5.2	−0.1pp	Cons. · Japanese GAAP
FYE Mar 2021	4.8	−0.4pp	Cons. · Japanese GAAP
FYE Mar 2022	5.1	+0.4pp	Cons. · Japanese GAAP
FYE Mar 2023	5.7	+0.5pp	Cons. · Japanese GAAP
FYE Mar 2024	5.3	−0.4pp	Cons. · Japanese GAAP
FYE Mar 2025	6.5	+1.2pp	Cons. · Japanese GAAP
FYE Mar 2026	7.5	+1.0pp	Cons. · Japanese GAAP

Definition: What the shareholders' capital earns
Formula: Net profit ÷ equity
Source: Securities report (XBRL)

ROA return on assets

FYE Mar 2026 0.4%

Average · 10 yrs 0.3%

Fiscal year	ROA %	YoY	Basis
FYE Mar 2017	0.4	n/a	Cons. · Japanese GAAP
FYE Mar 2018	0.4	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2019	0.3	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2020	0.3	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2021	0.3	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2022	0.3	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2023	0.3	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2024	0.3	−0.0pp	Cons. · Japanese GAAP
FYE Mar 2025	0.3	+0.1pp	Cons. · Japanese GAAP
FYE Mar 2026	0.4	+0.1pp	Cons. · Japanese GAAP

Definition: What the whole balance sheet earns
Formula: Net profit ÷ total assets
Source: Securities report (XBRL)

Asset turnover

FYE Mar 2026 0.02×

CAGR · 10 yrs +2.9%

Fiscal year	Asset turnover ×	YoY	Basis
FYE Mar 2017	0.02	n/a	Cons. · Japanese GAAP
FYE Mar 2018	0.02	+0.7%	Cons. · Japanese GAAP
FYE Mar 2019	0.02	−2.0%	Cons. · Japanese GAAP
FYE Mar 2020	0.02	−2.4%	Cons. · Japanese GAAP
FYE Mar 2021	0.01	−16.3%	Cons. · Japanese GAAP
FYE Mar 2022	0.01	−5.1%	Cons. · Japanese GAAP
FYE Mar 2023	0.01	+13.8%	Cons. · Japanese GAAP
FYE Mar 2024	0.01	+3.6%	Cons. · Japanese GAAP
FYE Mar 2025	0.02	+14.8%	Cons. · Japanese GAAP
FYE Mar 2026	0.02	+25.3%	Cons. · Japanese GAAP

Definition: How much revenue each yen of assets produces
Formula: Revenue ÷ total assets
Source: Securities report (XBRL)

Cash flow statement Cash from operations, investment and financing, and what is left on hand

The three cash flows

¥ bn

Operating CF Investing CF Financing CF

Cash against debt

¥ bn

Cash and equivalents Interest-bearing debt Net cash

Operating cash flow

FYE Mar 2026 -¥1.32tn

Average · 10 yrs ¥263bn

Fiscal year	Operating cash flow ¥ bn	YoY	Basis
FYE Mar 2017	361	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-101	−127.9%	Cons. · Japanese GAAP
FYE Mar 2019	252	n/a	Cons. · Japanese GAAP
FYE Mar 2020	21.0	−91.7%	Cons. · Japanese GAAP
FYE Mar 2021	1,914	+9034.7%	Cons. · Japanese GAAP
FYE Mar 2022	710	−62.9%	Cons. · Japanese GAAP
FYE Mar 2023	-20.4	−102.9%	Cons. · Japanese GAAP
FYE Mar 2024	788	n/a	Cons. · Japanese GAAP
FYE Mar 2025	24.2	−96.9%	Cons. · Japanese GAAP
FYE Mar 2026	-1,319	−5539.9%	Cons. · Japanese GAAP

Definition: Cash the business itself generated
Formula: Cash flow from operating activities
Source: Securities report (XBRL)

Investing cash flow

FYE Mar 2026 -¥211bn

Average · 10 yrs -¥85bn

Fiscal year	Investing cash flow ¥ bn	YoY	Basis
FYE Mar 2017	72.6	n/a	Cons. · Japanese GAAP
FYE Mar 2018	210	+189.6%	Cons. · Japanese GAAP
FYE Mar 2019	60.5	−71.2%	Cons. · Japanese GAAP
FYE Mar 2020	-103	−270.1%	Cons. · Japanese GAAP
FYE Mar 2021	-183	n/a	Cons. · Japanese GAAP
FYE Mar 2022	-81.4	n/a	Cons. · Japanese GAAP
FYE Mar 2023	-88.5	n/a	Cons. · Japanese GAAP
FYE Mar 2024	-136	n/a	Cons. · Japanese GAAP
FYE Mar 2025	-393	n/a	Cons. · Japanese GAAP
FYE Mar 2026	-211	n/a	Cons. · Japanese GAAP

Definition: Cash spent on, or released by, investment
Formula: Cash flow from investing activities
Source: Securities report (XBRL)

Financing cash flow

FYE Mar 2026 -¥48bn

Average · 10 yrs -¥32bn

Fiscal year	Financing cash flow ¥ bn	YoY	Basis
FYE Mar 2017	-16.8	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-26.0	n/a	Cons. · Japanese GAAP
FYE Mar 2019	-27.1	n/a	Cons. · Japanese GAAP
FYE Mar 2020	-22.0	n/a	Cons. · Japanese GAAP
FYE Mar 2021	-14.1	n/a	Cons. · Japanese GAAP
FYE Mar 2022	-41.4	n/a	Cons. · Japanese GAAP
FYE Mar 2023	-29.1	n/a	Cons. · Japanese GAAP
FYE Mar 2024	-31.8	n/a	Cons. · Japanese GAAP
FYE Mar 2025	-65.0	n/a	Cons. · Japanese GAAP
FYE Mar 2026	-47.5	n/a	Cons. · Japanese GAAP

Definition: Cash raised from, or returned to, lenders and shareholders
Formula: Cash flow from financing activities
Source: Securities report (XBRL)

Cash and equivalents

FYE Mar 2026 ¥2.65tn

CAGR · 10 yrs +5.7%

Fiscal year	Cash and equivalents ¥ bn	YoY	Basis
FYE Mar 2017	1,614	n/a	Cons. · Japanese GAAP
FYE Mar 2018	1,698	+5.2%	Cons. · Japanese GAAP
FYE Mar 2019	1,983	+16.8%	Cons. · Japanese GAAP
FYE Mar 2020	1,879	−5.2%	Cons. · Japanese GAAP
FYE Mar 2021	3,596	+91.4%	Cons. · Japanese GAAP
FYE Mar 2022	4,183	+16.3%	Cons. · Japanese GAAP
FYE Mar 2023	4,045	−3.3%	Cons. · Japanese GAAP
FYE Mar 2024	4,665	+15.3%	Cons. · Japanese GAAP
FYE Mar 2025	4,232	−9.3%	Cons. · Japanese GAAP
FYE Mar 2026	2,655	−37.3%	Cons. · Japanese GAAP

Definition: Cash on hand at the year end
Formula: Closing balance in the cash flow statement
Source: Securities report (XBRL)

Free cash flow

FYE Mar 2026 -¥1.53tn

Average · 10 yrs ¥178bn

Fiscal year	FCF ¥ bn	YoY	Basis
FYE Mar 2017	434	n/a	Cons. · Japanese GAAP
FYE Mar 2018	109	−74.8%	Cons. · Japanese GAAP
FYE Mar 2019	312	+185.5%	Cons. · Japanese GAAP
FYE Mar 2020	-82.0	−126.3%	Cons. · Japanese GAAP
FYE Mar 2021	1,731	n/a	Cons. · Japanese GAAP
FYE Mar 2022	629	−63.7%	Cons. · Japanese GAAP
FYE Mar 2023	-109	−117.3%	Cons. · Japanese GAAP
FYE Mar 2024	652	n/a	Cons. · Japanese GAAP
FYE Mar 2025	-368	−156.5%	Cons. · Japanese GAAP
FYE Mar 2026	-1,530	n/a	Cons. · Japanese GAAP

Definition: What is left once the business has paid for its own investment
Formula: Operating cash flow + investing cash flow
Source: Securities report (XBRL)

Operating cash flow margin

FYE Mar 2026 -296.3%

Average · 10 yrs 130.9%

Fiscal year	OCF margin %	YoY	Basis
FYE Mar 2017	158.6	n/a	Cons. · Japanese GAAP
FYE Mar 2018	-43.1	−201.7pp	Cons. · Japanese GAAP
FYE Mar 2019	105.4	+148.5pp	Cons. · Japanese GAAP
FYE Mar 2020	8.6	−96.8pp	Cons. · Japanese GAAP
FYE Mar 2021	821.6	+813.0pp	Cons. · Japanese GAAP
FYE Mar 2022	300.7	−520.8pp	Cons. · Japanese GAAP
FYE Mar 2023	-7.3	−308.1pp	Cons. · Japanese GAAP
FYE Mar 2024	253.5	+260.9pp	Cons. · Japanese GAAP
FYE Mar 2025	6.7	−246.9pp	Cons. · Japanese GAAP
FYE Mar 2026	-296.3	−303.0pp	Cons. · Japanese GAAP

Definition: How much of the revenue turned into cash
Formula: Operating cash flow ÷ revenue
Source: Securities report (XBRL)

Net cash

FYE Mar 2026 ¥2.61tn

CAGR · 10 yrs +6.4%

Fiscal year	Net cash ¥ bn	YoY	Basis
FYE Mar 2017	1,497	n/a	Cons. · Japanese GAAP
FYE Mar 2018	1,584	+5.8%	Cons. · Japanese GAAP
FYE Mar 2019	1,866	+17.8%	Cons. · Japanese GAAP
FYE Mar 2020	1,764	−5.5%	Cons. · Japanese GAAP
FYE Mar 2021	3,512	+99.2%	Cons. · Japanese GAAP
FYE Mar 2022	4,080	+16.1%	Cons. · Japanese GAAP
FYE Mar 2023	3,935	−3.5%	Cons. · Japanese GAAP
FYE Mar 2024	4,545	+15.5%	Cons. · Japanese GAAP
FYE Mar 2025	4,187	−7.9%	Cons. · Japanese GAAP
FYE Mar 2026	2,607	−37.7%	Cons. · Japanese GAAP

Definition: Cash on hand once the borrowings are paid off
Formula: Cash and equivalents − interest-bearing debt
Source: Securities report (XBRL)

Shares and share price Shares outstanding, price, market capitalisation and the valuation multiples

Market capitalisation

FYE Mar 2026 ¥1.55tn

Change · 10 yrs +¥922bn

Fiscal year	Market capitalisation ¥ bn	Basis
FYE Mar 2017	626	n/a
FYE Mar 2018	740	n/a
FYE Mar 2019	505	n/a
FYE Mar 2020	386	n/a
FYE Mar 2021	591	n/a
FYE Mar 2022	591	n/a
FYE Mar 2023	697	n/a
FYE Mar 2024	1,028	n/a
FYE Mar 2025	1,126	n/a
FYE Mar 2026	1,548	n/a

Definition: What the market says the company is worth
Formula: Year-end share price × shares outstanding
Source: Securities report (XBRL)

Share price year-end close

FYE Mar 2026 1,996¥

Change · 10 yrs +1,281¥

Fiscal year	Share price ¥	Basis
FYE Mar 2017	715	n/a
FYE Mar 2018	855	n/a
FYE Mar 2019	601	n/a
FYE Mar 2020	473	n/a
FYE Mar 2021	725	n/a
FYE Mar 2022	724	n/a
FYE Mar 2023	855	n/a
FYE Mar 2024	1,261	n/a
FYE Mar 2025	1,398	n/a
FYE Mar 2026	1,996	n/a

Definition: The closing price on the last day of the fiscal year
Formula: Year-end closing price
Source: Securities report (XBRL)

Shares outstanding

FYE Mar 2026 775,521,000shares

Change · 10 yrs −100,000,000 shares

Fiscal year	Shares outstanding shares	Basis
FYE Mar 2017	875,521,000	Parent
FYE Mar 2018	865,521,000	Parent
FYE Mar 2019	840,521,000	Parent
FYE Mar 2020	815,521,000	Parent
FYE Mar 2021	815,521,000	Parent
FYE Mar 2022	815,521,000	Parent
FYE Mar 2023	815,521,000	Parent
FYE Mar 2024	815,521,000	Parent
FYE Mar 2025	805,521,000	Parent
FYE Mar 2026	775,521,000	Parent

Definition: How many shares exist
Formula: Shares issued, from the key figures of the filing
Source: Securities report (XBRL)

EPS earnings per share

FYE Mar 2026 133.75¥

Change · 10 yrs +68.43¥

Fiscal year	EPS ¥	Basis
FYE Mar 2017	65.32	Cons.
FYE Mar 2018	67.98	Cons.
FYE Mar 2019	65.30	Cons.
FYE Mar 2020	63.99	Cons.
FYE Mar 2021	66.82	Cons.
FYE Mar 2022	73.47	Cons.
FYE Mar 2023	82.52	Cons.
FYE Mar 2024	86.53	Cons.
FYE Mar 2025	104.17	Cons.
FYE Mar 2026	133.75	Cons.

Definition: Net profit for each share
Formula: Net profit ÷ average shares outstanding
Source: Securities report (XBRL)

BPS book value per share

FYE Mar 2026 1,621.23¥

Change · 10 yrs +592.65¥

Fiscal year	BPS ¥	Basis
FYE Mar 2017	1,028.59	Cons. · Japanese GAAP
FYE Mar 2018	1,089.79	Cons. · Japanese GAAP
FYE Mar 2019	1,132.95	Cons. · Japanese GAAP
FYE Mar 2020	1,139.56	Cons. · Japanese GAAP
FYE Mar 2021	1,277.41	Cons. · Japanese GAAP
FYE Mar 2022	1,298.67	Cons. · Japanese GAAP
FYE Mar 2023	1,301.15	Cons. · Japanese GAAP
FYE Mar 2024	1,448.77	Cons. · Japanese GAAP
FYE Mar 2025	1,421.68	Cons. · Japanese GAAP
FYE Mar 2026	1,621.23	Cons. · Japanese GAAP

Definition: Equity behind each share
Formula: Equity ÷ shares outstanding
Source: Securities report (XBRL)

PER price-to-earnings ratio

FYE Mar 2026 14.92×

Average · 10 yrs 11.41×

Fiscal year	PER ×	Basis
FYE Mar 2017	10.94	Cons.
FYE Mar 2018	12.57	Cons.
FYE Mar 2019	9.20	Cons.
FYE Mar 2020	7.39	Cons.
FYE Mar 2021	10.85	Cons.
FYE Mar 2022	9.86	Cons.
FYE Mar 2023	10.36	Cons.
FYE Mar 2024	14.57	Cons.
FYE Mar 2025	13.42	Cons.
FYE Mar 2026	14.92	Cons.

Definition: How many years of earnings the price stands for
Formula: Year-end price ÷ EPS
Source: Securities report (XBRL)

PBR price-to-book ratio

FYE Mar 2026 1.11×

Average · 10 yrs 0.65×

Fiscal year	PBR ×	Basis
FYE Mar 2017	0.63	Cons.
FYE Mar 2018	0.71	Cons.
FYE Mar 2019	0.48	Cons.
FYE Mar 2020	0.38	Cons.
FYE Mar 2021	0.52	Cons.
FYE Mar 2022	0.50	Cons.
FYE Mar 2023	0.58	Cons.
FYE Mar 2024	0.76	Cons.
FYE Mar 2025	0.86	Cons.
FYE Mar 2026	1.11	Cons.

Definition: The price measured against the book value behind it
Formula: Year-end price ÷ BPS
Source: Securities report (XBRL)

Workforce and productivity Headcount, pay and what each employee accounts for

Group employees

FYE Mar 2026 4,377people

Change · 10 yrs −150 people

Fiscal year	Group employees people	YoY	Basis
FYE Mar 2017	4,527	n/a	Cons.
FYE Mar 2018	4,520	−0.2%	Cons.
FYE Mar 2019	4,420	−2.2%	Cons.
FYE Mar 2020	4,355	−1.5%	Cons.
FYE Mar 2021	4,380	+0.6%	Cons.
FYE Mar 2022	4,292	−2.0%	Cons.
FYE Mar 2023	4,164	−3.0%	Cons.
FYE Mar 2024	4,142	−0.5%	Cons.
FYE Mar 2025	4,280	+3.3%	Cons.
FYE Mar 2026	4,377	+2.3%	Cons.

Definition: Everyone employed across the group
Formula: Consolidated headcount, from the employee section of the filing
Source: Securities report (XBRL)

Parent-company employees

FYE Mar 2026 3,873people

Change · 10 yrs −224 people

Fiscal year	Parent-company employees people	YoY	Basis
FYE Mar 2017	4,097	n/a	Parent
FYE Mar 2018	4,081	−0.4%	Parent
FYE Mar 2019	3,960	−3.0%	Parent
FYE Mar 2020	3,886	−1.9%	Parent
FYE Mar 2021	3,905	+0.5%	Parent
FYE Mar 2022	3,806	−2.5%	Parent
FYE Mar 2023	3,695	−2.9%	Parent
FYE Mar 2024	3,691	−0.1%	Parent
FYE Mar 2025	3,761	+1.9%	Parent
FYE Mar 2026	3,873	+3.0%	Parent

Definition: Employees of the filing company itself
Formula: Parent-only headcount, from the employee section of the filing
Source: Securities report (XBRL)

Average annual pay parent company

FYE Mar 2026 837万円

Change · 10 yrs +104万円

Fiscal year	Average annual pay 万円	YoY	Basis
FYE Mar 2017	733	n/a	Parent
FYE Mar 2018	726	−1.0%	Parent
FYE Mar 2019	729	+0.5%	Parent
FYE Mar 2020	735	+0.8%	Parent
FYE Mar 2021	740	+0.7%	Parent
FYE Mar 2022	737	−0.5%	Parent
FYE Mar 2023	751	+1.9%	Parent
FYE Mar 2024	766	+2.1%	Parent
FYE Mar 2025	795	+3.7%	Parent
FYE Mar 2026	837	+5.3%	Parent

Definition: Average total annual compensation, bonuses included
Formula: Average annual pay, from the employee section of the filing
Source: Securities report (XBRL)

Average age

FYE Mar 2026 38.3years

Change · 8 yrs −0.3 years

Fiscal year	Average age years	YoY	Basis
FYE Mar 2017	n/a	n/a	Parent
FYE Mar 2018	n/a	n/a	Parent
FYE Mar 2019	38.6	n/a	Parent
FYE Mar 2020	38.6	−0.0%	Parent
FYE Mar 2021	38.5	−0.3%	Parent
FYE Mar 2022	38.5	−0.0%	Parent
FYE Mar 2023	38.5	−0.0%	Parent
FYE Mar 2024	38.7	+0.5%	Parent
FYE Mar 2025	38.5	−0.5%	Parent
FYE Mar 2026	38.3	−0.5%	Parent

Definition: Average age of the parent company's employees
Formula: Average age, from the employee section of the filing
Source: Securities report (XBRL)

Average length of service

FYE Mar 2026 14.4years

Change · 10 yrs −1.2 years

Fiscal year	Average length of service years	YoY	Basis
FYE Mar 2017	15.6	n/a	Parent
FYE Mar 2018	15.5	−0.6%	Parent
FYE Mar 2019	15.5	−0.0%	Parent
FYE Mar 2020	15.5	−0.0%	Parent
FYE Mar 2021	15.1	−2.6%	Parent
FYE Mar 2022	15.0	−0.7%	Parent
FYE Mar 2023	15.0	−0.0%	Parent
FYE Mar 2024	15.0	−0.0%	Parent
FYE Mar 2025	14.7	−2.0%	Parent
FYE Mar 2026	14.4	−2.0%	Parent

Definition: How long the average employee has been with the company
Formula: Average years of service, from the employee section of the filing
Source: Securities report (XBRL)

Temporary employees

FYE Mar 2026 2,712people

Change · 10 yrs +117 people

Fiscal year	Temporary employees people	YoY	Basis
FYE Mar 2017	2,595	n/a	n/a
FYE Mar 2018	2,570	−1.0%	n/a
FYE Mar 2019	2,522	−1.9%	n/a
FYE Mar 2020	2,529	+0.3%	n/a
FYE Mar 2021	2,537	+0.3%	n/a
FYE Mar 2022	2,549	+0.5%	n/a
FYE Mar 2023	2,545	−0.2%	n/a
FYE Mar 2024	2,563	+0.7%	n/a
FYE Mar 2025	2,649	+3.4%	n/a
FYE Mar 2026	2,712	+2.4%	n/a

Definition: Average number of temporary and part-time staff over the year
Formula: Average temporary headcount, from the employee section of the filing
Source: Securities report (XBRL)

Revenue per employee

FYE Mar 2026 ¥102m

Change · 10 yrs +¥51.4m

Fiscal year	Revenue per employee ¥ m	YoY	Basis
FYE Mar 2017	50.3	n/a	Cons.
FYE Mar 2018	51.8	+2.9%	Cons.
FYE Mar 2019	54.0	+4.2%	Cons.
FYE Mar 2020	55.8	+3.3%	Cons.
FYE Mar 2021	53.2	−4.7%	Cons.
FYE Mar 2022	55.0	+3.4%	Cons.
FYE Mar 2023	66.9	+21.5%	Cons.
FYE Mar 2024	75.0	+12.2%	Cons.
FYE Mar 2025	84.6	+12.8%	Cons.
FYE Mar 2026	102	+20.2%	Cons.

Definition: What each employee accounts for in revenue
Formula: Revenue ÷ group employees
Source: Securities report (XBRL)

Operating profit per employee

FYE Mar 2026 ¥31.7m

Change · 10 yrs +¥14.6m

Fiscal year	OP per employee ¥ m	YoY	Basis
FYE Mar 2017	17.1	n/a	Cons.
FYE Mar 2018	17.4	+1.3%	Cons.
FYE Mar 2019	16.4	−5.6%	Cons.
FYE Mar 2020	16.7	+1.7%	Cons.
FYE Mar 2021	16.4	−1.7%	Cons.
FYE Mar 2022	18.4	+12.0%	Cons.
FYE Mar 2023	20.9	+13.7%	Cons.
FYE Mar 2024	21.8	+4.3%	Cons.
FYE Mar 2025	25.1	+15.3%	Cons.
FYE Mar 2026	31.7	+26.3%	Cons.

Definition: What each employee accounts for in operating profit
Formula: Operating profit ÷ group employees
Source: Securities report (XBRL)

Disclaimer

Figures are reproduced as filed and are not restated: a change of accounting standard or of consolidation basis moves the series without anything happening to the business. Where that happened, the table says so in place of the year-on-year figure.
Ratios and per-employee figures are computed from the filed lines rather than taken from the filing, and use year-end balances rather than averages.

Accuracy, liability, reuse and privacy — the full disclaimer →

Data API

Chiba Bank’s history, presidents and financials are published as static JSON — no key, plain GET. One API per public page, and one per section where a page carries several tables. Full specification →

/api/8331/company.json ·/api/8331/history.json ·/api/8331/ceo.json ·/api/8331/financials.json ·/api/8331/financials/segment.json ·/api/8331/financials/pl.json ·/api/8331/financials/cf.json ·/api/8331/financials/bs.json ·/api/8331/financials/employee.json ·/api/8331/financials/stock.json ·/api/8331/financials.csv ·/api/8331/financials_history.csv

/api/companies.json ·/api/decisions.json ·/api/api-manifest.json