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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Aozora Bank
Aozora Bank (8304) investor relations material
Aozora Bank Q1 2027 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2027 earnings summary31 Jul, 2026
Executive summary
Profit attributable to owners of parent reached 11.492 billion yen, up 81.7% year-over-year, with a progress rate of 43% toward the annual forecast.
Ordinary income rose 10.8% year-over-year to 67.282 billion yen for the three months ended June 30, 2026.
Core earnings improved, driven by higher net interest income and robust non-interest income from M&A-related activities.
Strategic business initiatives, including collaboration with Daiwa Securities and growth in GMO Aozora Net Bank, contributed to performance.
Comprehensive income more than doubled year-over-year, reaching 23.528 billion yen.
Financial highlights
Net revenue rose to 31.7 billion yen (+33% year-over-year); business profit increased to 16.2 billion yen (+77%).
Net interest income was 15.8 billion yen (+4.2 billion yen year-over-year), with domestic net interest income up 41% and overseas up 27%.
Non-interest income climbed to 15.9 billion yen (+30%), led by loan-related fees and gains from limited partnerships.
Total assets stood at 8.645 trillion yen, up from 8.601 trillion yen at March 31, 2026.
Credit-related expenses were 2.557 billion yen, mainly domestic, within the expected annual range.
Outlook and guidance
Full-year profit forecast is 27.0 billion yen, with 1Q progress at 43%.
Dividend forecast is 100 yen per share for FY2026, with 25 yen per share paid in 1Q.
CET1 ratio expected to improve to nearly 10% due to reduced unrealized losses on securities.
Management notes risks and uncertainties in achieving forecasts.
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Latest events from Aozora Bank
- Profit rose 25% year-over-year, with strong segment gains and higher FY2026 forecasts.8304
Q4 2026 - Profit and revenue rose, but ordinary profit fell due to higher credit costs.8304Q3 2026
- Profit and asset growth driven by domestic business, despite higher credit costs from U.S. loans.8304Q2 2026
- Net revenue and ordinary profit increased, driven by Strategic Investments and asset growth.8304Q1 2026
- Profit fell year-on-year; capital strengthened, but U.S. loan risks remain high.8304Q2 2025
- Profit rose 12% to ¥7.6B as Daiwa became top shareholder after capital increase.8304Q1 2025
- Profit and revenue rebounded, outlook raised, but U.S. real estate risk remains.8304Q4 2025
- Profitability and asset quality improved, with stable outlook and robust capital position.8304Q3 2025
Next Aozora Bank earnings date
Q2 202711 Nov, 2026
Aozora Bank
Next Aozora Bank earnings date
Q2 202711 Nov, 2026
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Frequently asked questions
Aozora Bank Ltd, is a Japanese commercial bank. Founded in 1957, Aozora Bank provides a comprehensive range of financial products and services. Its offerings encompass retail banking, corporate banking, and business banking solutions, including checking and savings accounts, deposit services, loans for both personal and corporate needs, derivative products, and financial market products. The bank also specializes in real estate finance, business support, and succession finance, structured finance, and project finance, along with offering debentures, securitized products, investment trusts, trustee services, and comprehensive financial advisory services. It caters to a diverse clientele, including individuals, corporate entities, the public sector, and institutional clients across North America and Asia. The company is headquartered in Chiyoda, Tokyo, and its shares are listed on the Tokyo Stock Exchange.