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Aozora Bank (8304) investor relations material
Aozora Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary13 Nov, 2025
Executive summary
Interim net revenue reached 52.1 billion yen, up 10.6 billion yen year-over-year, with profit attributable to owners of parent at 13.6 billion yen, a 14% increase year-over-year, driven by domestic net interest and non-interest income growth.
Ordinary profit increased 53.9% year-over-year to 15,380 million yen, with net income per share (basic) at 98.20 yen.
Strategic Investments Business and the alliance with Daiwa Securities Group were key growth drivers, with the latter contributing 1.2 billion yen in business profit and rapid AUM growth in retail fund wraps.
GMO Aozora Net Bank achieved positive interim net income for the first time, with corporate accounts exceeding 200,000 and deposits surpassing 1 trillion yen.
Financial highlights
Net revenue: 52.1 billion yen (+10.6 billion yen YoY); business-related profit: 21.3 billion yen (+7.2 billion yen YoY, 61% of full-year plan).
Profit attributable to owners of parent: 13.6 billion yen (+1.6 billion yen YoY, 62% of full-year plan).
Total assets increased to 8,165,591 million yen from 7,762,434 million yen as of March 31, 2025.
Dividend per share for 2Q: 22 yen (+3 yen YoY); full-year forecast: 88 yen.
Net interest income and net fees and commissions both improved year-over-year.
Outlook and guidance
FY2025 profit attributable to owners of parent forecast at 22.0 billion yen; ROE target for FY2027 is approximately 7%, aiming for 8% or higher by FY2029.
CET1 ratio target is 8% or higher, with a long-term goal of 9%+.
Full-year FY2025 ordinary profit forecast is 30,000 million yen, up 70.8% year-over-year.
Strategic Investments and GMO Aozora Net Bank expected to remain primary growth drivers.
US office market risk assessment
Doubtful credit decrease drivers
Unrealized securities losses increase drivers
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Next Aozora Bank earnings date
Q3 20262 Feb, 2026
Next Aozora Bank earnings date
Q3 20262 Feb, 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.
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