# The Yamanashi Chuo 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123期(2025/04/01－2026/03/31) (S100YAZE)
> Page: https://vizora.meequs.com/en/company/yamanashi-chuo-bank
> Retrieved: 2026-09-30T21:13:44.016Z

## Company

The Yamanashi Chuo Bank, founded in 1941, is a company in Regional Banks listed on TSE Prime. It has 1,649 employees (consolidated).

| Field | Value |
| --- | ---: |
| Legal name | The Yamanashi Chuo Bank,Ltd. |
| Ticker | 8360 |
| Stock price | View on Yahoo Finance (https://finance.yahoo.co.jp/quote/8360.T) |
| Listing | TSE Prime |
| Head office | 山梨県甲府市丸の内一丁目20番8号 |
| Representative (per filing) | 代表取締役頭取 古屋賀章 |
| Founded | Dec 1941 |
| Employees (consolidated) | 1,649 |
| Average salary (parent only) | ¥6.7M |
| Fiscal year end | March |
| Website | www.yamanashibank.co.jp (https://www.yamanashibank.co.jp/) |
| Corporate number | 3090001002315 |
| EDINET | E03562 |
| Industries (Vizora) | Regional Banks |

> Profile source: annual securities report (S100YAZE, filed 2026-06-15). As of filing

## Key points (generated from figures)

- The Yamanashi Chuo Bank brought in ¥86.1B in ordinary revenue.
- Out of every ¥100 of ordinary revenue, about ¥16 is left as ordinary profit.
- Ordinary revenue changed +42.4% from the prior year, ordinary profit +30.2%.

## Key figures at a glance

| Metric | Value | Note |
| --- | ---: | ---: |
| Ordinary revenue | ¥86.1B |  |
| Ordinary income | ¥13.8B | Margin 16.1% |
| Net income | ¥9.99B | Margin 11.6% |
| Employees (consolidated) | 1,649 |  |
| EPS | ¥320.33 |  |
| Diluted EPS | ¥320.04 |  |
| Book value per share | ¥6939.45 |  |
| Equity ratio | 5.1% |  |
| Shares outstanding | 32,783,000 |  |
| Treasury shares | 1,558,400 |  |
| Shareholders | 7,124 |  |
| Average salary (parent only) | ¥6.7M | Filing company only |

## What changed in 5 years

| Metric | FY ending Mar 2021 | FY ending Mar 2026 | Change |
| --- | ---: | ---: | ---: |
| Revenue | ¥49602000000 | ¥86104000000 | +73.6% |
| Employees | 1,652 people | 1,649 people | -0.2% |
| Cash and equivalents | ¥740447000000 | ¥282247000000 | -61.9% |

### 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.

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

| Item | Amount (JPY mn) | % of revenue | Source |
| --- | ---: | ---: | ---: |
| Ordinary revenue | 86,104 | 100.0% | S100YAZE |
| Ordinary expenses | 72,271 | 83.9% | S100YAZE |
| Ordinary income | 13,832 | 16.1% | S100YAZE |
| Extraordinary income | 195 | 0.2% | S100YAZE |
| Extraordinary loss | 214 | 0.2% | S100YAZE |
| Pretax income | 13,813 | 16.0% | S100YAZE |
| Income tax | 3,808 | 4.4% | S100YAZE |
| Net income | 10,004 | 11.6% | S100YAZE |
| Net income attributable to owners | 9,987 | 11.6% | S100YAZE |

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

| Part | JPY |
| --- | ---: |
| Ordinary expenses | 84 |
| Ordinary income | 16 |
| (Ref.) Net income | 12 |

### Margin funnel

Ordinary margin 16.1% → Net margin 11.6%
Derived from reported figures (DERIVED).

## Revenue and profit pattern

Pattern: Revenue and profit up
Revenue growth: +42.4%; Core profit growth: +30.2%
Growth quality: revenue-led
Operating leverage (core profit growth ÷ revenue growth): 0.71×
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 | 60,481 | 86,104 | 25,623 | +42.4% |
| Net income attributable to owners | 7,669 | 9,987 | 2,318 | +30.2% |
| Operating cash flow | -14,439 | -221,027 | -206,588 | — |
| Free cash flow | -17,339 | -223,540 | -206,201 | — |

## History（JPY mn）

| Period | Revenue | Op. income | Op. margin | Net income | Op. CF | FCF | Source |
| --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| FY ending Mar 2017 | 55,736 | — | — | 7,282 | -91,511 | — | S100LMRI |
| FY ending Mar 2018 | 54,120 | — | — | 4,920 | 79,725 | — | S100OELX |
| FY ending Mar 2019 | 52,353 | — | — | 4,908 | 82,750 | — | S100R21L |
| FY ending Mar 2020 | 44,878 | — | — | 3,764 | -23,354 | -25,895 | S100LMRI |
| FY ending Mar 2021 | 49,602 | — | — | 3,090 | 446,423 | 444,364 | S100OELX |
| FY ending Mar 2022 | 46,310 | — | — | 4,241 | 267,979 | 266,324 | S100R21L |
| FY ending Mar 2023 | 60,552 | — | — | 5,061 | -293,875 | -296,079 | S100TOD2 |
| FY ending Mar 2024 | 56,525 | — | — | 5,658 | -290,768 | -292,663 | S100VXWE |
| FY ending Mar 2025 | 60,481 | — | — | 7,669 | -14,439 | -17,339 | S100YAZE |
| FY ending Mar 2026 | 86,104 | — | — | 9,987 | -221,027 | -223,540 | S100YAZE |

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

| Metric | Value |
| --- | ---: |
| Revenue per employee (consolidated) | ¥52.2M |
| Net income per employee (consolidated) | ¥6.1M |

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) | 1,646 | 1,629 | 1,594 | 1,622 | 1,649 |
| Average salary (parent company) | ¥6.1M | ¥6.1M | ¥6.4M | ¥6.5M | ¥6.7M |
| Average age (parent company) | 38.7 years | 38.7 years | 39.0 years | 39.2 years | 38.7 years |
| Average tenure (parent company) | 15.4 years | 15.5 years | 15.5 years | 15.7 years | 15.0 years |

Year over year: Employees (consolidated) +1.7% · Revenue (consolidated) +42.4%

## 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 | -221,027 | -256.7% | S100YAZE |
| Capital expenditure | 2,513 | 2.9% | S100YAZE |
| Free cash flow | -223,540 | -259.6% | 算出 |
| Investing cash flow | -48,227 | -56.0% | S100YAZE |
| Financing cash flow | -2,911 | -3.4% | S100YAZE |
| Dividends paid | 3,215 | 3.7% | S100YAZE |
| Share buyback | 2 | 0.0% | S100YAZE |
| Change in cash | -272,165 | -316.1% | S100YAZE |
| Cash and equivalents | 282,247 | 327.8% | S100YAZE |

## Ownership

| Counterparty | Relation | Ratio | As of |
| --- | ---: | ---: | ---: |
| 日本マスタートラスト信託銀行株式会社(信託口) | Major shareholder | 12.2% | 2026-03-31 |
| 山梨中央銀行職員持株会 | Major shareholder | 4.2% | 2026-03-31 |
| 株式会社日本カストディ銀行(信託口) | Major shareholder | 3.1% | 2026-03-31 |
| 明治安田生命保険相互会社(常任代理人 株式会社日本カスト ディ銀行) | Major shareholder | 3.1% | 2026-03-31 |
| BBH FOR BBHTSIL NEUBERGER BERMAN INVESTMENT FUNDS PLC-NEUBERGER BERMAN JAPAN EQUITY ENGAGEMENT FUND(常任代理人 株式会社三菱UFJ 銀行) | Major shareholder | 2.3% | 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 | 2.0% | 2026-03-31 |
| 学校法人帝京大学 | Major shareholder | 2.0% | 2026-03-31 |
| GOVERNMENT OF NORWAY (常任代理人 シティバンク、エ ヌ・エイ東京支店) | Major shareholder | 2.0% | 2026-03-31 |
| 富国生命保険相互会社(常任代理人 株式会社日本カスト ディ銀行) | Major shareholder | 1.9% | 2026-03-31 |
| 野村信託銀行株式会社（山梨中央銀行職員持株会専用信託口） | Major shareholder | 1.7% | 2026-03-31 |

## Sources

| Document | ID | Published | URL |
| --- | ---: | ---: | ---: |
| 有価証券報告書－第123期(2025/04/01－2026/03/31) | S100YAZE | 2026-06-15 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100YAZE,, |
| 有価証券報告書－第122期(2024/04/01－2025/03/31) | S100VXWE | 2025-06-20 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100VXWE,, |
| 有価証券報告書－第121期(2023/04/01－2024/03/31) | S100TOD2 | 2024-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100TOD2,, |
| 有価証券報告書－第120期(2022/04/01－2023/03/31) | S100R21L | 2023-06-27 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100R21L,, |
| 有価証券報告書－第119期(令和3年4月1日－令和4年3月31日) | S100OELX | 2022-06-24 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100OELX,, |
| 有価証券報告書－第118期(令和2年4月1日－令和3年3月31日) | S100LMRI | 2021-06-25 | https://disclosure2.edinet-fsa.go.jp/WZEK0040.aspx?S100LMRI,, |

## 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).