Summary of Financial Results for 3rd Quarter Fiscal Year 2025

Overview of Performance

The consolidated gross profit for the 3rd quarter of fiscal year 2025 was 73 billion yen, an increase of 10.3 billion yen year-on-year, achieving a progress rate of 77%. Business profit was 27.4 billion yen (YoY +6.4 billion yen), and net income attributable to owners of parent was 21.8 billion yen (YoY +5.5 billion yen), with a high progress rate of 99%. Revenues were driven by the investment banking business, partnership with Daiwa Securities Group, and GMO Aozora Net Bank, with non-interest income increasing significantly. Tax burden was reduced due to progress in workouts of U.S. office loans, further boosting profits.

Asset/Capital Status and Dividend

Loan balances increased by approximately 190 billion yen compared to the end of March 2025, recovering to the 3 trillion yen level for the first time in about 20 years. Deposit balances also rose substantially to 6.5 trillion yen. Interest income saw a slight increase, primarily due to domestic interest income expansion, while overseas loan balances showed a declining trend. Dividends for the 3rd quarter were 22 yen/share (YoY +3 yen), maintaining the annual dividend forecast of 88 yen. In line with the mid-term management plan 'AOZORA2027', the bank continues investing in human capital while aiming to improve profitability.