JAPAN POST BANK (7182) Q3 2025 earnings summary

Executive summary

• Ordinary income for the nine months ended December 31, 2024, was ¥1,910.2 billion, down ¥23.9 billion year-over-year.

• Net income attributable to owners of parent rose by ¥45.0 billion year-over-year to ¥308.3 billion, reaching 77.0% of the full-year forecast.

• Net ordinary income increased by ¥74.1 billion year-over-year to ¥441.2 billion, 76.7% of the full-year forecast.

Financial highlights

• Interest income grew by ¥228.3 billion year-over-year to ¥1,268.7 billion; fees and commissions increased by ¥2.0 billion to ¥141.3 billion.

• Ordinary expenses fell by ¥98.1 billion year-over-year to ¥1,469.0 billion; interest expenses rose by ¥96.7 billion to ¥607.3 billion.

• General and administrative expenses decreased by ¥9.7 billion year-over-year to ¥689.6 billion.

• Net income per share for the period was ¥85.26, up from ¥72.76 year-over-year.

• Comprehensive income turned negative at ¥(113.5) billion, compared to ¥162.8 billion in the prior year.

Outlook and guidance

• Full-year net ordinary income forecast is ¥575.0 billion, up 15.9% year-over-year.

• Full-year net income attributable to owners of parent forecast is ¥400.0 billion, up 12.3% year-over-year.

• Net income per share forecast for the full year is ¥110.60.

• No revision to previously announced earnings or dividend forecasts.