For the nine months ended December 31, 2025, ordinary income was 236.62 billion yen (78.0% YoY increase), and net income attributable to owners of parent for the quarter was 218.25 billion yen (34.5% YoY increase). The full-year dividend forecast remains unchanged at 88 yen per share.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8304","jir_company_name":"Aozora Bank, 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\/8304-20260204-02.pdf","jir_short_summary":"For the nine months ended December 31, 2025, ordinary income was 236.62 billion yen (78.0% YoY increase), and net income attributable to owners of parent for the quarter was 218.25 billion yen (34.5% YoY increase). The full-year dividend forecast remains unchanged at 88 yen per share.","jir_summary":"### Overview of Financial Results\nDuring the consolidated cumulative third quarter period for the fiscal year ending March 2026 (April 1, 2025 to December 31, 2025), ordinary revenue was 179,774 million yen (4.6% YoY increase), ordinary income was 23,662 million yen (78.0% YoY increase), and net income attributable to owners of parent was 21,825 million yen (34.5% YoY increase). Total assets amounted to 8.41938 trillion yen, net assets were 483.106 billion yen, and the equity ratio declined slightly to 5.6% compared to the same period last year. By segment, the Investment Banking Unit and Global Markets Unit performed steadily, resulting in an increase in business profit to 34,794 million yen compared to the previous year.\n\n### Dividends and Outlook\nThe full-year dividend forecast for the fiscal year ending March 2026 remains at 88 yen 00 sen per share with no changes from the previous announcement. The scheduled dividend payment start date is March 9, 2026. There have been no recent revisions to earnings guidance; the full-year ordinary income forecast is 3 trillion yen, and net income attributable to owners of parent is expected to be 2.2 trillion yen. Regarding overseas real estate non-recourse loans, allowance for doubtful accounts has been recorded in consideration of the deteriorating U.S. office market environment, and attention should be paid to potential future profit and loss volatility risks.","jir_financial_highlights":"Ordinary Revenue: 179,774 million yen (4.6% YoY increase)\nOrdinary Income: 23,662 million yen (78.0% YoY increase)\nNet Income Attributable to Owners of Parent: 21,825 million yen (34.5% YoY increase)\nTotal Assets: 8,419,380 million yen (8.5% YoY increase (7,762,434 million yen \u2192 8,419,380 million yen))\nNet Assets: 483,106 million yen (5.0% YoY increase (459,685 million yen \u2192 483,106 million yen))\nEquity Ratio: 5.6% (0.2 points YoY decrease (5.8% \u2192 5.6%))\nAnnual Dividend (Forecast): 88 yen 00 sen (No change)\nShares Outstanding (Including Treasury Stock): 139,789,418 shares (No change YoY)","jir_category":"","jir_hashtags":"#AozoraBank, #FinancialSummary, #JapaneseStocks","jir_key_figures":"Ordinary Income: 23,662 million yen (78.0% YoY increase)\nNet Income Attributable to Owners of Parent for the Quarter: 21,825 million yen (34.5% YoY increase)\nAnnual Dividend Forecast: 88 yen 00 sen (No change)","jir_meta_title":"Aozora Bank, Ltd. Fiscal Year Ending March 2026 Q3 Financial Summary\uff5cOrdinary Income Up 78.0% to 23,662 Million Yen","jir_meta_description":"Aozora Bank's fiscal year ending March 2026 Q3 Financial Summary. Ordinary income increased by 78.0% YoY to 23,662 million yen, net income attributable to owners of parent was 21,825 million yen. Annual dividend forecast remains at 88 yen.","jir_og_title":"Aozora Bank Fiscal Year Ending March 2026 Q3 Financial Summary\uff5cSignificant Increase in Ordinary Income","jir_og_description":"Aozora Bank's fiscal year ending March 2026 Q3 Financial Summary. 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