)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Aozora Bank (8304) investor relations material
Aozora Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary1 Aug, 2025
Executive summary
Strong 1Q performance with ordinary income up 4.2% to ¥60.7bn and net revenue at ¥23.8bn, driven by active domestic M&A and Strategic Investments.
Profit attributable to owners of parent was ¥6.3bn, down year-on-year due to a prior year one-time gain, but up excluding that item.
Comprehensive income surged 182.3% year-on-year to ¥11.3bn, supported by improved securities valuations.
Strategic Investments and GANB segments delivered strong results, with GANB achieving positive net income and deposit balances exceeding ¥1tn.
1Q dividend set at ¥22/share, with full-year forecast at ¥88/share, up from ¥79 in FY2024.
Financial highlights
Net revenue: ¥23.8bn (+¥3.0bn YoY); business-related profit: ¥9.1bn (+¥2.0bn YoY); ordinary profit: ¥8.0bn (+35.9% YoY).
Non-interest income increased by ¥3.5bn YoY, driven by loan-related fees and gains from limited partnerships.
Net interest income was ¥11.6bn, down ¥0.4bn YoY; domestic net interest income rose by ¥1.4bn, while overseas declined by ¥1.9bn.
Total assets increased to ¥7.88tn; net assets rose to ¥467.9bn, with a net assets to total assets ratio of 5.8%.
Credit-related expenses limited at ¥1.1bn; G&A expenses at ¥15.7bn.
Outlook and guidance
FY2025 plan targets profit attributable to owners of parent at ¥22.0bn and business-related profit at ¥35.0bn.
Mid-term plan "Aozora 2027" aims for ¥33.0bn profit, ROE of ~7%, and earning assets of ¥5.5tn by FY2027.
No revisions to previously announced earnings or dividend forecasts.
How will US real estate stabilize in FY25?
Explain the change in reportable segments.
What is driving the NPL ratio decrease?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Aozora Bank earnings date
Q2 202613 Nov, 2025
Next Aozora Bank earnings date
Q2 202613 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage