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Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-02-04","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/8304-20260204-01.pdf","jir_short_summary":"Consolidated gross profit of 73 billion yen (YoY +10.3 billion yen), net income attributable to owners of parent of 21.8 billion yen (YoY +5.5 billion yen), 3rd quarter dividend of 22 yen\/share (YoY +3 yen)","jir_summary":"### Overview of Performance\nThe 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.\n\n### Asset\/Capital Status and Dividend\nLoan 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.","jir_financial_highlights":"Consolidated Gross Profit: 73 billion yen (YoY +10.3 billion yen)\nBusiness Profit: 27.4 billion yen (YoY +6.4 billion yen)\nNet Income Attributable to Owners of Parent: 21.8 billion yen (YoY +5.5 billion yen)\n3rd Quarter Dividend: 22 yen\/share (YoY +3 yen)\nLoan Balance (Domestic): 3,095.6 billion yen (Increase of approximately 190 billion yen compared to end of March 2025)\nDeposit Balance: 6.5 trillion yen (YoY +312.4 billion yen compared to end of March 2025)","jir_category":"","jir_hashtags":"#AozoraBank, #FinancialSummary, #JapaneseStocks","jir_key_figures":"Consolidated Gross Profit: 73 billion yen (YoY +10.3 billion yen)\nNet Income Attributable to Owners of Parent: 21.8 billion yen (YoY +5.5 billion yen)\n3rd Quarter Dividend: 22 yen\/share (YoY +3 yen)","jir_meta_title":"Aozora Bank 3rd Quarter Fiscal Year 2025 Financial Results: Consolidated Gross Profit of 73 Billion Yen and Net Income of 21.8 Billion Yen Increase","jir_meta_description":"Summary of Aozora Bank's 3rd quarter fiscal year 2025 financial results. Consolidated gross profit of 73 billion yen (YoY +10.3 billion yen), net income attributable to owners of parent 21.8 billion yen (YoY +5.5 billion yen), and 3rd quarter dividend of 22 yen\/share (YoY +3 yen) announced.","jir_og_title":"Aozora Bank Announces 3rd Quarter Fiscal Year 2025 Financial Results","jir_og_description":"Consolidated gross profit of 73 billion yen and net income of 21.8 billion yen increased year-over-year. 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