What changed with the Chiba Bank deposit rate?

Chiba Bank will raise the ordinary deposit rate to 0.3% from early February, following the BoJ’s December 19 rate hike. This boosts household interest income but increases bank funding costs. Investors should watch how deposit balances and product mix shift, and how quickly loan yields adjust to protect net interest margins.

How could a 0.3% ordinary rate affect 8331.T earnings?

Funding costs rise soon after the Chiba Bank deposit rate change, which can narrow margins in the near term. As floating and prime-linked loans reset, asset yields should improve. The net impact depends on deposit mix, pace of loan repricing, and any further BoJ moves. Margin guidance will be key.

Why does the short-term prime rate matter for regional banks?

The short-term prime rate drives pricing for many SME and floating-rate loans. A higher prime lifts loan yields as contracts reset, offsetting higher deposit costs. Daiko Bank’s plan to raise the rate to 3.375% from February 2, 2026 signals broader repricing ahead for Japan regional banks, though timing varies by institution.

Is 8331.T technically overbought now?

Indicators are elevated. RSI at 69.73, CCI at 106.45, and MFI at 75.83 suggest near overbought conditions. Price touched the upper Bollinger Band around ¥1,774. Short-term pullbacks toward the middle band near ¥1,703 are possible. Use risk controls and avoid chasing breakouts without confirmation.

Global Market Insights

8331.T Stock Today: December 24 — Chiba Bank Raises Deposit Rate to 0.3%

ByHuzaifa Zahoor December 26, 2025December 26, 2025

The Chiba Bank deposit rate will rise to 0.3% from early February, following the BoJ rate hike on December 19. For investors in 8331.T and Japan regional banks, higher deposit costs and loan repricing are now front and center. Shares recently traded around ¥1,758.5, near a 52-week high, as markets priced in a stronger net interest outlook. We explain how the new rate can affect margins, funding, and valuation, and what to watch next, including short-term prime rate moves.