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Financial results presentation7182JAPAN POST BANK Co.,Ltd.Banks

Financial Results Presentation for the Fiscal Year Ending March 2026

In fiscal 2025, net income attributable to owners of the parent increased by ¥111.2 billion year on year, mainly due to an increase in net interest income. Profit reached a record high for the third consecutive fiscal year since listing, and the Company expects both higher profit and a higher dividend in fiscal 2026.

Worth reading
79Important
0–100. This measures how worthwhile something is to read, not how good or bad the company is.
Direction
Improvement
Direction inferred from the company’s description.
Scale
1112
¥100 million
Wording
Conditional
How definitive the wording is.

Contents of this document

Financial results presentationFiscal year ended March 2026 (fiscal 2025)9 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income¥7,591 100 million+29.9%
Net income¥5,255 100 million+26.8%
Full-year earnings forecast
Ordinary income
¥9,550 100 million
Net income attributable to owners of the parent
¥6,600 100 million
Net interest income, etc.
¥17,820 100 million
Net fees and commissions
¥1,700 100 million
Operating Expenses
¥9,970 100 million
Progress against full-year forecast　通期の予想に対して、いまどこまで進んだかの割合です。
Ordinary income105.4% (compared with the fiscal 2025 forecast of ¥720 billion)
Net income attributable to owners of the parent105.1% (compared with the fiscal 2025 forecast of ¥500 billion)
What the company explained in this material
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
  • Yen interest-rate assets+¥340 billion
  • Risk assets-¥90 billion
  • Net fees and commissions+¥2 billion
  • Operating Expenses-¥51 billion
Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.
  • Domestic and overseas interest rates are assumed to follow implied forward rates as of the end of March 2026.
  • Credit spreads and foreign exchange rates are assumed to remain at their fiscal 2025 averages.
  • Yen OIS (3M) 0.86%, policy rate 0.75%, 10-year Japanese government bonds 2.36%, dollar OIS (3M) 3.94%, 5-year U.S. Treasuries 3.68%, USD/JPY 151 (values shown in the materials)
New initiatives
  • A new benefit program for long-term shareholders will be introduced from fiscal 2027.
  • Shareholders who have held at least 500 shares continuously for 3 years or more will receive a catalog gift worth ¥5,000.
Key KPIsA metric the company considers important as a management benchmark.
  • ROE (Equity-Based)5.3 %
    Year on year against the same period last year+1.02 percentage points
  • OHR55.51 %
    Year on year against the same period last year-5.87 percentage points
  • Number of accounts registered for the passbook app1,662 10,000 accounts
    Year on year against the same period last year+3.03 million accounts
  • Number of NISA accounts87 10,000 accounts
    Year on year against the same period last year+50,000 accounts
  • Risk asset balance¥109 trillion
    Year on year against the same period last year+¥1.1 trillion
  • Strategic investment balance¥15.1 trillion
    Year on year against the same period last year+¥1.8 trillion
  • ESG-themed lending and investment balance¥6.4 trillion
    Year on year against the same period last year+¥0.4 trillion
Unit price and quantity metricsThese figures show sales broken down by price and volume.
  • Number of investment trust and other product sales12,091 thousand cases
    Year on year against the same period last year+1,075 thousand transactions
  • Value of investment trust and other product sales¥6,469 100 million
    Year on year against the same period last year+¥58.9 billion
Medium-term management plan targets
  • Net income attributable to owners of the parent
    Actual results¥525.5 billion
    Target¥500 billion or more
  • ROE
    Actual results5.30%
    Target4.7% or higher
  • OHR
    Actual results55.51%
    Target59% or lower
  • Equity ratio
    Actual results14.93%
    TargetApproximately 10%
  • Risk asset balance
    Actual results¥109.0 trillion
    TargetApproximately ¥114 trillion
  • Strategic investment balance
    Actual results¥15.1 trillion
    TargetApproximately ¥14 trillion
  • Number of accounts registered for the passbook app
    Actual results16.62 million accounts
    Target16 million accounts
  • Number of NISA accounts
    Actual results870,000 accounts
    Target940,000 accounts
  • ESG-themed lending and investment balance
    Actual results¥6.4 trillion
    Target¥7 trillion
Financial targets
  • ROE
    Actual results5.30%
    Target4.7% or higher
  • Capital adequacy ratio (domestic standards)
    Actual results14.93%
    TargetApproximately 10%
  • CET1 ratio (fully phased-in basis)
    Actual results9.85%
    TargetApproximately 10%
Annual Dividend
FY2025 actual¥74 per share (year-end dividend: ¥74)
FY2026 forecast¥93 per share (year-end dividend: ¥93)
Payout ratio
50.3% in fiscal 2025 and 50.1% forecast for fiscal 2026. The policy is approximately 50%.
Contents of this document
ItemDetails
Document typeFinancial results presentation
Fiscal Period CoveredFiscal year ended March 2026 (fiscal 2025)
Ordinary income¥7,591 100 million (YoY +29.9%)
Net income¥5,255 100 million (YoY +26.8%)
Full-year earnings forecastOrdinary income ¥9,550 100 million / Net income attributable to owners of the parent ¥6,600 100 million / Net interest income, etc. ¥17,820 100 million / Net fees and commissions ¥1,700 100 million / Operating Expenses ¥9,970 100 million
Progress against full-year forecastOrdinary income 105.4% (compared with the fiscal 2025 forecast of ¥720 billion) / Net income attributable to owners of the parent 105.1% (compared with the fiscal 2025 forecast of ¥500 billion)
Breakdown of Factors Affecting the ChangeFactors Yen interest-rate assets / Amount +¥340 billion, Factors Risk assets / Amount -¥90 billion, Factors Net fees and commissions / Amount +¥2 billion, Factors Operating Expenses / Amount -¥51 billion
Key KPIsIndicator name ROE (Equity-Based) / Value 5.3 % / Year on year against the same period last year +1.02 percentage points, Indicator name OHR / Value 55.51 % / Year on year against the same period last year -5.87 percentage points, Indicator name Number of accounts registered for the passbook app / Value 1,662 10,000 accounts / Year on year against the same period last year +3.03 million accounts, Indicator name Number of NISA accounts / Value 87 10,000 accounts / Year on year against the same period last year +50,000 accounts, Indicator name Risk asset balance / Value ¥109 trillion / Year on year against the same period last year +¥1.1 trillion, Indicator name Strategic investment balance / Value ¥15.1 trillion / Year on year against the same period last year +¥1.8 trillion, Indicator name ESG-themed lending and investment balance / Value ¥6.4 trillion / Year on year against the same period last year +¥0.4 trillion
Unit price and quantity metricsIndicator name Number of investment trust and other product sales / Value 12,091 thousand cases / Year on year against the same period last year +1,075 thousand transactions, Indicator name Value of investment trust and other product sales / Value ¥6,469 100 million / Year on year against the same period last year +¥58.9 billion
Assumptions Underlying the Business OutlookDomestic and overseas interest rates are assumed to follow implied forward rates as of the end of March 2026., Credit spreads and foreign exchange rates are assumed to remain at their fiscal 2025 averages., Yen OIS (3M) 0.86%, policy rate 0.75%, 10-year Japanese government bonds 2.36%, dollar OIS (3M) 3.94%, 5-year U.S. Treasuries 3.68%, USD/JPY 151 (values shown in the materials)
Medium-term management plan targetsItem Net income attributable to owners of the parent / Actual results ¥525.5 billion / Target ¥500 billion or more, Item ROE / Actual results 5.30% / Target 4.7% or higher, Item OHR / Actual results 55.51% / Target 59% or lower, Item Equity ratio / Actual results 14.93% / Target Approximately 10%, Item Risk asset balance / Actual results ¥109.0 trillion / Target Approximately ¥114 trillion, Item Strategic investment balance / Actual results ¥15.1 trillion / Target Approximately ¥14 trillion, Item Number of accounts registered for the passbook app / Actual results 16.62 million accounts / Target 16 million accounts, Item Number of NISA accounts / Actual results 870,000 accounts / Target 940,000 accounts, Item ESG-themed lending and investment balance / Actual results ¥6.4 trillion / Target ¥7 trillion
Financial targetsIndicator name ROE / Actual results 5.30% / Target 4.7% or higher, Indicator name Capital adequacy ratio (domestic standards) / Actual results 14.93% / Target Approximately 10%, Indicator name CET1 ratio (fully phased-in basis) / Actual results 9.85% / Target Approximately 10%
Annual DividendFY2025 actual ¥74 per share (year-end dividend: ¥74) / FY2026 forecast ¥93 per share (year-end dividend: ¥93)
Payout ratio50.3% in fiscal 2025 and 50.1% forecast for fiscal 2026. The policy is approximately 50%.
New initiativesA new benefit program for long-term shareholders will be introduced from fiscal 2027., Shareholders who have held at least 500 shares continuously for 3 years or more will receive a catalog gift worth ¥5,000.
Items this document does not state (16)
Net SalesOperating profitGross Profit MarginOperating profit marginSelling, general and administrative expensesResults for the three months of the current quarterSelf-assessment against the planSegment resultsNumber of stores and locationsNumber of employeesRisk 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.

Net interest income increased, mainly due to higher income from foreign bond investment trusts and higher interest income on Japanese government bonds. Meanwhile, extraordinary gains and losses declined due to a decrease in gains on sales associated with risk-adjustment operations for equities.

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Financial Results Presentation for the Fiscal Year Ending March 2026 | JAPAN POST BANK Co.,Ltd. (7182) timely disclosure | Komori