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Presentation materials for financial results7167Mebuki Financial Group,Inc.Banks

FY2025 Financial Results Overview

For FY2025, consolidated net income was ¥84.1 billion, an increase of ¥25.9 billion from the previous year, setting a new record high. For FY2026, ordinary profit of ¥139.0 billion and net income of ¥95.0 billion are projected.

Worth reading
80Important
Scored from 5 of 6 sections
Direction
Improvement
Direction inferred from the company’s description.
Scale
259
Hundreds of millions of yen
Wording
Conditional
How definitive the wording is.

Contents of this document

Presentation materials for financial resultsFY20258 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income1,156 Hundreds of millions of yen+328.0%
Net income841 Hundreds of millions of yen+259.0%
Full-year earnings forecast
Ordinary income
1,390 Hundreds of millions of yen
Profit attributable to owners of the parent
950 Hundreds of millions of yen
ROE (net asset basis)
Approximately 9.0%
Annual dividend per share
¥40
Payout ratio
39.5 ％
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
  • Loan-deposit interest spread
    Change+¥11.0 billion
  • Customer-related services profit
    Change+¥1.2 billion
  • Securities-related income
    Change+¥20.9 billion
  • Gains on securities transactions and other activities
    Change+¥15.4 billion
  • Expenses
    Change+¥5.8 billion (factor reducing profit)
  • Credit Costs
    Change+¥6.8 billion (factor reducing profit)
  • Other extraordinary income (loss)
    Change-¥1.0 billion
New initiatives
  • Active investment in human capital
  • Rebalancing of the securities portfolio, centered on domestic bonds
  • Continued support for customers' business improvement
Key KPIsA metric the company considers important as a management benchmark.
  • ROE (net asset basis)8.2 ％
    Year on year against the same period last year+2.3％pt
  • Loan balance136,081 Hundreds of millions of yen
    Year on year against the same period last year+¥588.7 billion, +4.5%
  • Deposits181,760 Hundreds of millions of yen
    Year on year against the same period last year+¥176.7 billion, +0.9%
  • Assets under custody28,936 Hundreds of millions of yen
    Year on year against the same period last year+¥382.0 billion, +15.2%
  • OHR49 ％
    Year on year against the same period last yearDown
  • Credit Costs127 Hundreds of millions of yen
    Year on year against the same period last year+¥6.8 billion
  • Number of Securities Held for Policy Purposes204 Company
Unit price and quantity metricsThese figures show sales broken down by price and volume.
  • Average loan balance+¥656.7 billion
  • Loan yield+23.2bp
  • Domestic deposit-loan interest margin1,270 Hundreds of millions of yen
    Year on year against the same period last year+¥11.0 billion
Medium-term management plan targets
Target fiscal yearFY2027
Ordinary income¥130.0 billion or more
Profit attributable to owners of the parentAt least ¥90.0 billion
ROE (net asset basis)At least 9.0%
Financial targets
ROE (net asset basis)
Actual results8.2％
Target9.0% or more in FY2027
Annual Dividend
Annual dividend per share¥28
Payout ratio
31.4
Contents of this document
ItemDetails
Document typePresentation materials for financial results
Fiscal Period CoveredFY2025
Ordinary income1,156 Hundreds of millions of yen (YoY +328.0%)
Net income841 Hundreds of millions of yen (YoY +259.0%)
Full-year earnings forecastOrdinary income 1,390 Hundreds of millions of yen / Profit attributable to owners of the parent 950 Hundreds of millions of yen / ROE (net asset basis) Approximately 9.0% / Annual dividend per share ¥40 / Payout ratio 39.5 ％
Breakdown of Factors Affecting the ChangeFactors Loan-deposit interest spread / Change +¥11.0 billion, Factors Customer-related services profit / Change +¥1.2 billion, Factors Securities-related income / Change +¥20.9 billion, Factors Gains on securities transactions and other activities / Change +¥15.4 billion, Factors Expenses / Change +¥5.8 billion (factor reducing profit), Factors Credit Costs / Change +¥6.8 billion (factor reducing profit), Factors Other extraordinary income (loss) / Change -¥1.0 billion
Key KPIsIndicator name ROE (net asset basis) / Value 8.2 ％ / Year on year against the same period last year +2.3％pt, Indicator name Loan balance / Value 136,081 Hundreds of millions of yen / Year on year against the same period last year +¥588.7 billion, +4.5%, Indicator name Deposits / Value 181,760 Hundreds of millions of yen / Year on year against the same period last year +¥176.7 billion, +0.9%, Indicator name Assets under custody / Value 28,936 Hundreds of millions of yen / Year on year against the same period last year +¥382.0 billion, +15.2%, Indicator name OHR / Value 49 ％ / Year on year against the same period last year Down, Indicator name Credit Costs / Value 127 Hundreds of millions of yen / Year on year against the same period last year +¥6.8 billion, Indicator name Number of Securities Held for Policy Purposes / Value 204 Company / Year on year against the same period last year Not disclosed
Unit price and quantity metricsIndicator name Average loan balance / Value +¥656.7 billion / Year on year against the same period last year Not disclosed, Indicator name Loan yield / Value +23.2bp / Year on year against the same period last year Not disclosed, Indicator name Domestic deposit-loan interest margin / Value 1,270 Hundreds of millions of yen / Year on year against the same period last year +¥11.0 billion
Medium-term management plan targetsTarget fiscal year FY2027 / Ordinary income ¥130.0 billion or more / Profit attributable to owners of the parent At least ¥90.0 billion / ROE (net asset basis) At least 9.0%
Financial targetsROE (net asset basis) Actual results 8.2％ / Target 9.0% or more in FY2027
Annual DividendAnnual dividend per share ¥28 / Interim and Year-End Breakdown Not disclosed
Payout ratio31.4
New initiativesActive investment in human capital, Rebalancing of the securities portfolio, centered on domestic bonds, Continued support for customers' business improvement
Items this document does not state (18)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterProgress against full-year forecastSelf-assessment against the planSegment resultsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookAcquisition of treasury sharesCapital expendituresOrders received and order backlogMarket Size / ShareKey points of the Q&A

These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.

The reasons the company gives

The company's own explanation, not something inferred from the numbers.

Results were boosted by the widening of the deposit-loan interest margin due to higher domestic interest rates, increased securities-related income from portfolio rebalancing, higher loan balances and yields, and increased fees related to personal loans. Credit costs, however, exceeded the plan due to downgrades of large borrowers and other factors.

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FY2025 Financial Results Overview | Mebuki Financial Group,Inc. (7167) timely disclosure | Komori