JAPAN POST BANK (7182) Q3 2026 earnings summary

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.