Chugoku Bank, JP3539200002

Chugoku Bank stock reports JPY 25.70 billion profit for FY2025

Published on 09/30/2026 at 13:19 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Chugoku Bank posted JPY 192.00 billion in ordinary revenue for fiscal year 2025. Net income rose 30.10 percent, while fiscal year 2026 revenue guidance reaches JPY 228.35 billion.

Chugoku Bank, JP3539200002, Illustration mit AI erstellt.

Chugoku Bank (ISIN JP3539200002) reported JPY 25.70 billion in net income for fiscal year 2025, a 30.10 percent increase from JPY 19.80 billion in fiscal year 2024, according to IT Boltwise on September 29, 2026. The result places higher interest income and risk control at the center of the bank's earnings story.

Revenue and profit move higher

Ordinary revenue reached JPY 192.00 billion in fiscal year 2025, up from JPY 168.10 billion in fiscal year 2024. Ordinary profit also increased to JPY 35.80 billion from JPY 28.70 billion, giving the bank two clear year-over-year gains rather than a single bottom-line improvement, IT Boltwise reported.

The comparison with fiscal year 2024 is material for investors because net income expanded by JPY 5.90 billion, while ordinary revenue increased by JPY 23.90 billion. That combination points to broader operating progress across the reporting period, although the figures remain tied to the bank's regional lending and investment mix.

Credit costs shape the result

Credit costs in the banking business fell to JPY 6.10 billion in fiscal year 2025 from JPY 13.40 billion in the prior period. The reported cost-income ratio was 51.40 percent, making credit quality and operating efficiency important counterparts to the revenue increase, according to IT Boltwise.

The bank's activities include deposits, lending, securities investment, foreign exchange, trust operations and M&A intermediary services. The banking business accounted for 90.00 percent of ordinary group revenue in the cited segment overview, which leaves interest margins and credit costs as central indicators for the company's earnings quality.

Fiscal year 2026 sets a higher bar

The fiscal year 2026 outlook cited by IT Boltwise calls for JPY 228.35 billion in ordinary revenue and JPY 52.48 billion in segment profit. Against the JPY 192.00 billion ordinary revenue reported for fiscal year 2025, that outlook sets a higher operating bar for the bank's next reporting cycle.