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Presents progress for fiscal 2026 and growth strategies including expansion of domestic lending and net interest income, recovery of overseas net interest income, improvement in OHR, and stabilization of dividend policy.","jir_summary":"### Interim Financial Overview\nThe interim highlights show an increase in net interest income driven by expanded domestic lending and improved lending-deposit spreads, and a recovery in overseas net interest income through sales of legacy assets. Investment banking activities such as LBO loans and partnership investments with funds are performing well, leading to higher ordinary income and net income attributable to owners of parent compared with the prior year period. However, non-interest income remained roughly flat or showed slight variations versus the prior year.\n\n### Progress of AOZORA2027 and Outlook\nThe AOZORA2027 medium-term management plan advances along three pillars: investment banking, markets & international, and GMO Aozora Net Bank. Leveraging the partnership with Daiwa Securities Group, the bank is executing strategies to expand the LBO loan market and pursue growth initiatives. New growth opportunities include expanding real estate, equity investment, and fund-wrap businesses. Capital policy emphasizes dividend stability and maintaining ROE targets and CET1 ratio levels.","jir_financial_highlights":"Net Income Attributable to Owners of Parent: 189 (Year-over-Year +53)\nConsolidated Core Banking Profit: 213 (Year-over-Year +52)\nNet Interest Income: 345 (+102)\nNon-Interest Income: 241 (-36)","jir_category":"","jir_hashtags":"#NotAnIRRegardingShareBuyback, #AOZORA2027","jir_key_figures":"Net Income Attributable to Owners of Parent: 189 hundred million yen (Year-over-Year +39%)\nInterim Net Income: 189 hundred million yen\nNet Interest Income: 345 hundred million yen (Year-over-Year +102 hundred million yen)","jir_meta_title":"Aozora Bank, Ltd. 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