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Mebuki Financial Group
Mebuki Financial Group (7167) investor relations material
Mebuki Financial Group Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary24 Feb, 2026
Financial performance highlights
Net income attributable to owners rose ¥15.5bn YoY to ¥64.6bn, marking a record third-quarter profit since integration.
Core net business income increased by ¥19.9bn YoY to ¥86.9bn, driven by higher loan-deposit interest margins and securities income.
Ordinary profit forecast for FY2025 was revised upward to ¥113.0bn, with net income forecast at ¥81.0bn.
ROE improved to 8.1%, up 0.6 percentage points from the previous forecast.
Shareholder returns for FY25 are expected to reach ¥56.3bn, with a payout ratio of 32.5% and total return ratio of 69.5%.
Loans and deposits
Total loans increased by ¥622.0bn YoY (+4.8% annualized), with strong growth in corporate and steady growth in individual loans.
Corporate loans grew 6.1% annualized, supported by robust equipment financing and working capital demand.
Individual unsecured loans rose 11.2% YoY, mainly in educational loans.
Deposit balances increased by ¥207.0bn YoY (+1.1% annualized), though growth rates are slowing.
Loan-to-deposit ratio recovered to the 70% range due to loan growth.
Interest income and yields
Net interest income rose ¥24.2bn YoY, with the difference between loan and deposit interest up ¥7.6bn.
Average yield on loans increased by 23.2bp YoY, reflecting higher domestic interest rates.
Securities income increased ¥16.5bn YoY, aided by portfolio rebalancing and higher BOJ deposit interest.
Detail NII impact drivers from rising policy rates
Why did strategic shareholding market value increase?
Structured finance: How to improve profitability?
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Next Mebuki Financial Group earnings date
Q4 20268 May, 2026
Mebuki Financial Group
Next Mebuki Financial Group earnings date
Q4 20268 May, 2026
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