2024年度第3四半期決算概要 | Aozora Bank,Ltd. (8304) timely disclosure

Worth reading

54Recurring

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

309

億円（親会社株主純利益の前年同期比増加額）

Wording

—

How definitive the wording is.

Contents of this document

Presentation materials for financial results2024年度第3四半期6 items taken from the company’s own explanation

Financial Results Figures (The key points of this material are explained below)

Ordinary income240 Hundreds of millions of yen

Net income¥180 100 million full-year forecast

Selling, general and administrative expenses461 億円経費

Results for the three months of the current quarter

Consolidated gross operating profit212 Hundreds of millions of yen

Consolidated core net business profit56 Hundreds of millions of yen

Ordinary income32 Hundreds of millions of yen

Net income attributable to owners of the parent43 Hundreds of millions of yen

ビジネス利益68 Hundreds of millions of yen

Full-year earnings forecast

Consolidated gross operating profit

840 Hundreds of millions of yen

Consolidated core net business profit

240 Hundreds of millions of yen

Ordinary income

240 Hundreds of millions of yen

Net income attributable to owners of the parent

180 Hundreds of millions of yen

ビジネス利益

247 Hundreds of millions of yen

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。

Consolidated gross operating profit74.7%（キーメッセージでは75%）

Consolidated core net business profit74.8%

Ordinary income55.4%

Net income attributable to owners of the parent90.2%

ビジネス利益85.2%（年間計画進捗率85%）

セグメント別ビジネス利益

法人営業G76%

ストラクチャードファイナンスG79%

インターナショナルビジネスG65%

金融法人・地域法人営業G40%

What the company explained in this material

Self-assessment against the planThe company's self-assessment against its own plan.

法人営業Gはほぼ計画通り、ストラクチャードファイナンスGは計画対比ラップを上回る実績、マーケットGは計画対比赤字幅を大きく改善

Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.

Credit-related expenses+355億円

税金費用（子会社清算関連を除く）+¥6.4 billion

有価証券売買損益（投資信託解約益等を含む）-¥8.4 billion

資金利益（投資信託解約益除く）+¥4.6 billion

子会社清算関連-¥300 million

Other+¥2.3 billion

New initiatives

大和証券グループとの資本業務提携に基づく法人顧客向けコーポレートファイナンス、不動産ファイナンス等の開始
GMOあおぞらネット銀行の事業開始後初の当期純利益ベース黒字化

Key KPIsA metric the company considers important as a management benchmark.

ROE5.2 %
資金粗利鞘（NIM）1.12 %
Year on year against the same period last year+0.17ポイント
Domestic loan balance29,027 Hundreds of millions of yen
海外向け貸出残高8,760 USD million
Disclosed claims ratio2.16 %
Year on year against the same period last year3月末比-1.01ポイント
市場VaR全体88 Hundreds of millions of yen
1人当たりビジネス利益¥7.7 million
Year on year against the same period last year+0.7百万円

Segment results

法人営業G

ビジネス利益50

Year on year against the same period last year-¥0.2 billion

Progress toward full-year plan76%

ストラクチャードファイナンスG

ビジネス利益174

Year on year against the same period last year-¥3.2 billion

Progress toward full-year plan79%

インターナショナルビジネスG

ビジネス利益74

Year on year against the same period last year-¥3.4 billion

Progress toward full-year plan65%

マーケットG

ビジネス利益-26

Year on year against the same period last year+¥11.8 billion

カスタマーリレーションG

ビジネス利益-12

Year on year against the same period last year+¥1 billion

金融法人・地域法人営業G

ビジネス利益3

Year on year against the same period last year-¥0.4 billion

Progress toward full-year plan40%

個人営業G

ビジネス利益-15

Year on year against the same period last year+¥1.5 billion

GMOあおぞらネット銀行

ビジネス利益-5

Year on year against the same period last year+¥2.1 billion

Other

ビジネス利益-44

Year on year against the same period last year-¥5.8 billion

Total

ビジネス利益210

Year on year against the same period last year+¥2.2 billion

Progress toward full-year plan85%

Annual Dividend

Annual Dividend Forecast¥76 per share

第3四半期配当¥19 per share

Contents of this document
Item	Details
Document type	Presentation materials for financial results
Fiscal Period Covered	2024年度第3四半期
Ordinary income	240 Hundreds of millions of yen
Net income	¥180 100 million (full-year forecast)
Selling, general and administrative expenses	461 億円（経費）
Results for the three months of the current quarter	Consolidated gross operating profit 212 Hundreds of millions of yen / Consolidated core net business profit 56 Hundreds of millions of yen / Ordinary income 32 Hundreds of millions of yen / Net income attributable to owners of the parent 43 Hundreds of millions of yen / ビジネス利益 68 Hundreds of millions of yen
Full-year earnings forecast	Consolidated gross operating profit 840 Hundreds of millions of yen / Consolidated core net business profit 240 Hundreds of millions of yen / Ordinary income 240 Hundreds of millions of yen / Net income attributable to owners of the parent 180 Hundreds of millions of yen / ビジネス利益 247 Hundreds of millions of yen
Progress against full-year forecast	Consolidated gross operating profit 74.7%（キーメッセージでは75%） / Consolidated core net business profit 74.8% / Ordinary income 55.4% / Net income attributable to owners of the parent 90.2% / ビジネス利益 85.2%（年間計画進捗率85%） / セグメント別ビジネス利益法人営業G 76% / ストラクチャードファイナンスG 79% / インターナショナルビジネスG 65% / 金融法人・地域法人営業G 40%
Self-assessment against the plan	法人営業Gはほぼ計画通り、ストラクチャードファイナンスGは計画対比ラップを上回る実績、マーケットGは計画対比赤字幅を大きく改善
Segment results	法人営業G ビジネス利益 50 / Year on year against the same period last year -¥0.2 billion / Progress toward full-year plan 76% / ストラクチャードファイナンスG ビジネス利益 174 / Year on year against the same period last year -¥3.2 billion / Progress toward full-year plan 79% / インターナショナルビジネスG ビジネス利益 74 / Year on year against the same period last year -¥3.4 billion / Progress toward full-year plan 65% / マーケットG ビジネス利益 -26 / Year on year against the same period last year +¥11.8 billion / カスタマーリレーションG ビジネス利益 -12 / Year on year against the same period last year +¥1 billion / 金融法人・地域法人営業G ビジネス利益 3 / Year on year against the same period last year -¥0.4 billion / Progress toward full-year plan 40% / 個人営業G ビジネス利益 -15 / Year on year against the same period last year +¥1.5 billion / GMOあおぞらネット銀行ビジネス利益 -5 / Year on year against the same period last year +¥2.1 billion / Other ビジネス利益 -44 / Year on year against the same period last year -¥5.8 billion / Total ビジネス利益 210 / Year on year against the same period last year +¥2.2 billion / Progress toward full-year plan 85%
Breakdown of Factors Affecting the Change	Credit-related expenses +355億円 / 税金費用（子会社清算関連を除く） +¥6.4 billion / 有価証券売買損益（投資信託解約益等を含む） -¥8.4 billion / 資金利益（投資信託解約益除く） +¥4.6 billion / 子会社清算関連 -¥300 million / Other +¥2.3 billion
Key KPIs	Indicator name ROE / Value 5.2 % / Year on year against the same period last year Not disclosed, Indicator name 資金粗利鞘（NIM） / Value 1.12 % / Year on year against the same period last year +0.17ポイント, Indicator name Domestic loan balance / Value 29,027 Hundreds of millions of yen / Year on year against the same period last year Not disclosed, Indicator name 海外向け貸出残高 / Value 8,760 USD million / Year on year against the same period last year Not disclosed, Indicator name Disclosed claims ratio / Value 2.16 % / Year on year against the same period last year 3月末比-1.01ポイント, Indicator name 市場VaR全体 / Value 88 Hundreds of millions of yen / Year on year against the same period last year Not disclosed, Indicator name 1人当たりビジネス利益 / Value ¥7.7 million / Year on year against the same period last year +0.7百万円
Annual Dividend	Annual Dividend Forecast ¥76 per share / 第3四半期配当 ¥19 per share
New initiatives	大和証券グループとの資本業務提携に基づく法人顧客向けコーポレートファイナンス、不動産ファイナンス等の開始, GMOあおぞらネット銀行の事業開始後初の当期純利益ベース黒字化

Items this document does not state (17)

Net SalesOperating profitGross Profit MarginOperating profit marginUnit price and quantity metricsNumber of stores and locationsNumber of employeesAssumptions Underlying the Business OutlookRisk amount incorporated into the outlookMedium-term management plan targetsFinancial targetsPayout ratioAcquisition 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.

円金利上昇や貸出残高増加による国内資金利益の改善、外国債券一括処理等による外貨調達コストの減少、前年同期に計上した米国オフィス向けノンリコースローンの与信関連費用の減少、前年同期の繰延税金資産積み増しの反動など。

How to read this page

This is not the documentKomori reads the disclosure the company filed and writes this summary. Figures are as stated by the company and are not audited.

Weight is not a verdictIt measures how much this changes what the company had already told the market. It is not a view on the shares.

Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.