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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.
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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.

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Q2 202613 Nov, 2025
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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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