# The Chiba Kogyo Bank, Ltd.: business model and financials

> Latest period: FY ending Mar 2026, consolidated, J-GAAP
> Unit: JPY millions
> Sources: 有価証券報告書－第104期(2025/04/01－2026/03/31) (S100YDK0)
> Page: https://vizora.meequs.com/en/company/chiba-kogyo-bank
> Retrieved: 2026-09-30T21:13:23.700Z

## Company

The Chiba Kogyo Bank, founded in 1952, is a company in Regional Banks listed on TSE Prime. It has 1,307 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | The Chiba Kogyo Bank, Ltd. |
| Ticker | 8337 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8337.T) |
| Listing | TSE Prime |
| Head office | 千葉市美浜区幸町2丁目1番2号 |
| Representative (per filing) | 取締役頭取 梅田 仁司 |
| Founded | Jan 1952 |
| Employees (consolidated) | 1,307 |
| Average salary (parent only) | ¥6.8M |
| Fiscal year end | March |
| Website | www.chibakogyo-bank.co.jp (https://www.chibakogyo-bank.co.jp/) |
| Corporate number | 9040001000020 |
| EDINET | E03557 |
| Industries (Vizora) | Regional Banks, Leasing |

> Profile source: annual securities report (S100YDK0, filed 2026-06-19). As of filing

## Key points (generated from figures)

- About 87% of The Chiba Kogyo Bank's ordinary revenue comes from Banking business, with Leasing business and Other making up much of the rest.
- Out of every ¥100 of ordinary revenue, about ¥18 is left as ordinary profit.
- Ordinary revenue changed +21.0% from the prior year, ordinary profit +19.0%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥68.9B |  |
| Ordinary income | ¥12.7B | Margin 18.5% |
| Net income | ¥8.61B | Margin 12.5% |
| Employees (consolidated) | 1,307 |  |
| EPS | ¥137.4 |  |
| Diluted EPS | ¥105.44 |  |
| Book value per share | ¥2494.66 |  |
| Equity ratio | 5.7% |  |
| Shares outstanding | 62,222,000 |  |
| Treasury shares | 2,763,100 |  |
| Shareholders | 6,797 |  |
| Average salary (parent only) | ¥6.8M | Filing company only |

## Notable figures

- FY2026, operating cash flow is 4.2× net income
- FY2026, buybacks were 1.5× dividends

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥49986000000 | ¥68872000000 | +37.8% |
| Employees | 1,428 people | 1,307 people | -8.5% |
| Cash and equivalents | ¥359075000000 | ¥225215000000 | -37.3% |

### Change in segment revenue mix

Span: FY ending Mar 2021 → FY ending Mar 2026. Stable segment keys are connected; unmatched shares are marked as new or reorganized. Shares use total segment revenue.

| Flow | Revenue share |
| --- | ---: |
| 銀行業 → 銀行業 | 79.7% |
| リース業 → リース業 | 12.3% |
| リース業 → 事業再編・廃止 | 5.0% |
| 信用保証・クレジットカード業 → 事業再編・廃止 | 2.4% |
| その他 → その他 | 0.6% |
| その他 → 事業再編・廃止 | 0.0% |
| 新設・再編 → 銀行業 | 7.5% |

Segment revenue source references: 7 (derived)

## Business growth × margin

X-axis: segment revenue CAGR. Y-axis: latest operating margin. Bubble size: latest revenue. CAGR requires at least two comparable years.

| Segment | CAGR span | Revenue CAGR | Latest revenue | Operating margin | Source refs |
| --- | ---: | ---: | ---: | ---: | ---: |
| Banking business | 5 years | +8.6% | ¥60125000000 | 20.4% | 2 |
| Leasing business | 5 years | -0.4% | ¥8482000000 | 3.5% | 2 |
| Other | 5 years | +5.9% | ¥383000000 | 37.1% | 2 |

## Income statement（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 68,872 | 100.0% | S100YDK0 |
| Ordinary expenses | 56,161 | 81.5% | S100YDK0 |
| Ordinary income | 12,711 | 18.5% | S100YDK0 |
| Extraordinary income | 14 | 0.0% | S100YDK0 |
| Extraordinary loss | 13 | 0.0% | S100YDK0 |
| Pretax income | 12,712 | 18.5% | S100YDK0 |
| Income tax | 3,779 | 5.5% | S100YDK0 |
| Net income | 8,933 | 13.0% | S100YDK0 |
| Net income attributable to owners | 8,612 | 12.5% | S100YDK0 |

## Per ¥100 of revenue（FY ending Mar 2026）

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 82 |
| Ordinary income | 18 |
| (Ref.) Net income | 13 |

### Margin funnel

Ordinary margin 18.5% → Net margin 12.5%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +21.0%; Core profit growth: +19.0%
Growth quality: revenue-led
Operating leverage (core profit growth ÷ revenue growth): 0.90×
Calculated from comparable annual consolidated filings.

## Year over year（FY ending Mar 2025 → FY ending Mar 2026、JPY mn）

| Metric | Prior | Current | Change | % change |
| --- | ---: | ---: | ---: | ---: |
| Revenue | 56,910 | 68,872 | 11,962 | +21.0% |
| Net income attributable to owners | 7,459 | 8,612 | 1,153 | +15.5% |
| Operating cash flow | 13,747 | 36,363 | 22,616 | +164.5% |
| Free cash flow | 11,905 | 33,829 | 21,924 | +184.2% |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 52,255 | — | — | 6,388 | 23,856 | — | S100LOJ1 |
| FY ending Mar 2018 | 50,525 | — | — | 6,771 | -19,686 | — | S100OEBO |
| FY ending Mar 2019 | 50,831 | — | — | 5,183 | 30,659 | — | S100R2SI |
| FY ending Mar 2020 | 50,391 | — | — | 4,530 | -17,954 | -19,946 | S100LOJ1 |
| FY ending Mar 2021 | 49,986 | — | — | 4,763 | 256,027 | 253,858 | S100OEBO |
| FY ending Mar 2022 | 51,248 | — | — | 6,385 | 333,925 | 332,211 | S100R2SI |
| FY ending Mar 2023 | 51,303 | — | — | 6,477 | -430,231 | -432,265 | S100TQQ4 |
| FY ending Mar 2024 | 54,584 | — | — | 7,428 | 13,187 | 10,263 | S100W1I2 |
| FY ending Mar 2025 | 56,910 | — | — | 7,459 | 13,747 | 11,905 | S100YDK0 |
| FY ending Mar 2026 | 68,872 | — | — | 8,612 | 36,363 | 33,829 | S100YDK0 |

## People and productivity（FY ending Mar 2026, consolidated, J-GAAP）

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥52.7M |
| Net income per employee (consolidated) | ¥6.6M |

Employees, revenue and profit are consolidated. Average annual salary is a separate parent-company figure. Calculated from disclosed figures (DERIVED).

| History | FY ending Mar 2022 | FY ending Mar 2023 | FY ending Mar 2024 | FY ending Mar 2025 | FY ending Mar 2026 |
| --- | ---: | ---: | ---: | ---: | ---: |
| Employees (consolidated) | 1,387 | 1,350 | 1,322 | 1,313 | 1,307 |
| Average salary (parent company) | ¥6M | ¥6.1M | ¥6.3M | ¥6.6M | ¥6.8M |
| Average age (parent company) | 38.0 years | 39.0 years | 39.0 years | 39.0 years | 40.0 years |
| Average tenure (parent company) | 14.0 years | 15.0 years | 15.0 years | 15.0 years | 15.0 years |

Year over year: Employees (consolidated) -0.5% · Revenue (consolidated) +21.0%

## Segments（FY ending Mar 2026, consolidated, J-GAAP、JPY mn）

| Segment | Revenue | Share | Op. income | Op. margin |
| --- | ---: | ---: | ---: | ---: |
| Banking business | 60,125 | 87.2% | 12,295 | 20.4% |
| Leasing business | 8,482 | 12.3% | 301 | 3.5% |
| Other | 383 | 0.6% | 142 | 37.1% |

### segmentMix — Revenue and profit mix

Calculated from disclosed figures (DERIVED). Shares use total segment revenue and total positive segment profit respectively. Difference = profit share − revenue share (pt). Inter-segment sales may prevent reconciliation to company revenue.

| Segment | Revenue share |
| --- | ---: |
| Banking business | 87.2% |
| Leasing business | 12.3% |
| Other | 0.6% |

Segment → industry: Banking business → Regional Banks / Leasing business → Leasing

## Revenue by geography

No geographic revenue breakdown was disclosed.

## Cash flow（FY ending Mar 2026, consolidated, J-GAAP）

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Operating cash flow | 36,363 | 52.8% | S100YDK0 |
| Capital expenditure | 2,534 | 3.7% | S100YDK0 |
| Free cash flow | 33,829 | 49.1% | 算出 |
| Investing cash flow | -51,667 | -75.0% | S100YDK0 |
| Financing cash flow | -3,633 | -5.3% | S100YDK0 |
| Dividends paid | 1,367 | 2.0% | S100YDK0 |
| Share buyback | 2,003 | 2.9% | S100YDK0 |
| Change in cash | -18,938 | -27.5% | S100YDK0 |
| Cash and equivalents | 225,215 | 327.0% | S100YDK0 |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 株式会社千葉銀行 | Major shareholder | 19.1% | 2026-03-31 |
| 株式会社みずほ銀行 | Major shareholder | 14.5% | 2026-03-31 |
| 日本マスタートラスト信託銀行株式会社（信託口） | Major shareholder | 7.2% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託E口） | Major shareholder | 3.3% | 2026-03-31 |
| GOLDMAN SACHS INTERNATIONAL（常任代理人 ゴールドマン・サックス証券株式会社） | Major shareholder | 2.4% | 2026-03-31 |
| 坂本飼料株式会社 | Major shareholder | 2.0% | 2026-03-31 |
| BNY GCM CLIENT ACCOUNT JPRD AC ISG（FE-AC）（常任代理人 株式会社三菱UFJ銀行） | Major shareholder | 2.0% | 2026-03-31 |
| 明治安田生命保険相互会社 | Major shareholder | 1.9% | 2026-03-31 |
| 千葉興業銀行行員持株会 | Major shareholder | 1.8% | 2026-03-31 |
| 株式会社日本カストディ銀行（信託口） | Major shareholder | 1.8% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第104期(2025/04/01－2026/03/31) | S100YDK0 | 2026-06-19 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YDK0,, |
| 有価証券報告書－第103期(2024/04/01－2025/03/31) | S100W1I2 | 2025-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100W1I2,, |
| 有価証券報告書－第102期(2023/04/01－2024/03/31) | S100TQQ4 | 2024-06-26 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TQQ4,, |
| 有価証券報告書－第101期(2022/04/01－2023/03/31) | S100R2SI | 2023-06-28 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R2SI,, |
| 有価証券報告書－第100期(令和3年4月1日－令和4年3月31日) | S100OEBO | 2022-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OEBO,, |
| 有価証券報告書－第99期(令和2年4月1日－令和3年3月31日) | S100LOJ1 | 2021-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LOJ1,, |

## Definitions

- Amounts are in millions of JPY (rounded). The period is stated in each table heading
- Operating margin = operating income ÷ revenue. Net income is attributable to owners of the parent when disclosed
- Free cash flow (FCF) = operating cash flow − capital expenditure
- ¥100 model = breakdown per ¥100 of revenue (rounded so parts sum to 100)
- Segment revenues include inter-segment sales and may not sum to consolidated revenue
- Source IDs are EDINET document IDs (docID). "算出" (derived) means computed from other disclosed values
- All figures are extracted mechanically from filings. AI-written text never generates figures
- Source: company filings submitted to EDINET (Financial Services Agency of Japan). Figures were extracted, edited and processed, and charts and text were created, by Vizora — not by the FSA (used under the Public Data License v1.0).