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JAPAN POST BANK (7182) investor relations material
JAPAN POST BANK Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Ordinary income rose by ¥195.0 billion year-over-year to ¥2,105.3 billion for the nine months ended December 31, 2025.
Net ordinary income increased by ¥110.3 billion year-over-year to ¥551.5 billion, reaching 76.6% of the revised full-year forecast.
Net income attributable to owners of parent grew by ¥69.3 billion year-over-year to ¥377.6 billion, 75.5% of the revised full-year forecast.
Comprehensive income was ¥582.6 billion, a significant turnaround from a loss of ¥113.5 billion in the prior year period.
Financial highlights
Interest income increased by ¥358.7 billion year-over-year to ¥1,627.5 billion.
Fees and commissions rose by ¥9.3 billion year-over-year to ¥150.7 billion.
Ordinary expenses increased by ¥84.7 billion year-over-year to ¥1,553.7 billion, with interest expenses up ¥116.7 billion and G&A expenses up ¥22.5 billion.
Net income per share for the period was ¥105.61, up from ¥85.26 year-over-year.
Outlook and guidance
Full-year net ordinary income forecast revised upward to ¥720.0 billion, up 23.1% year-over-year.
Full-year net income attributable to owners of parent forecast revised to ¥500.0 billion, up 20.6% year-over-year.
Dividend per share forecast raised to ¥70.00 for FY2026/3.
- Record net income and rising dividends drive a strong outlook amid market uncertainty.7182
Q4 202516 Mar 2026 - H1 net income hit ¥240.3bn, with strong capital and higher ROE targets set for the next plan.7182
Q2 202616 Mar 2026 - Net ordinary income and net income rose despite lower ordinary income, but comprehensive income turned negative.7182
Q1 202516 Mar 2026 - Net income surged 22.3% year-over-year, prompting upward revisions to full-year forecasts.7182
Q2 202516 Mar 2026 - Net income surged year-over-year, with robust progress toward full-year targets despite market losses.7182
Q3 202516 Mar 2026 - Net income and ordinary income increased, with robust deposit and loan growth in Q1 FY2026/3.7182
Q1 202616 Mar 2026
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