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Aozora Bank
Aozora Bank (8304) investor relations material
Aozora Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Feb, 2026
Executive summary
Net revenue reached 73.0 billion yen, up 10.3 billion yen year-over-year, with a 77% progress rate toward the annual plan.
Ordinary income for the nine months ended December 31, 2025 was ¥179,774 million, up 4.6% year-over-year, while ordinary profit declined 43.8% to ¥13,294 million.
Profit attributable to owners of parent was 21.8 billion yen, a 5.5 billion yen increase year-over-year, achieving 99% of the full-year forecast, while another report notes a 25.6% decrease to ¥16,231 million.
Growth was driven by Strategic Investments, the Daiwa Securities alliance, and GMO Aozora Net Bank, with strong non-interest income from M&A and LBO financing.
Comprehensive income rose sharply to ¥32,473 million, up 122.6% year-over-year.
Financial highlights
Business-related profit rose to 27.4 billion yen, up 6.4 billion yen year-over-year, with a 78% progress rate.
Net interest income increased slightly to 37.2 billion yen, with domestic net interest income up 7.2 billion yen and overseas down 6.5 billion yen.
Non-interest income surged by 9.5 billion yen to 35.7 billion yen, mainly from fees and gains on limited partnerships.
Total assets increased to ¥8,419,380 million from ¥7,762,434 million as of March 31, 2025.
General & administrative expenses were managed within budget at 48.4 billion yen.
Outlook and guidance
Full-year profit attributable to owners of parent is forecast at 22.0 billion yen, with 99% already achieved by 3Q.
Full-year FY2025 forecast: ordinary profit of ¥30,000 million (up 70.8% year-over-year), profit attributable to owners of parent of ¥22,000 million (up 7.2%), and net income per share of ¥158.98.
Dividend per share is forecast at 88 yen for FY2025, with 22 yen per quarter.
The bank expects continued normalization of risk management as U.S. office loan workouts progress.
No revision to the previously announced earnings forecast.
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Next Aozora Bank earnings date
Q4 202613 May, 2026
Aozora Bank
Next Aozora Bank earnings date
Q4 202613 May, 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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