2025年度第1四半期決算概要 | Aozora Bank,Ltd. (8304) timely disclosure

Worth reading

67In focus

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Direction

Mixed performance

Direction inferred from the company’s description.

Scale

億円（連結粗利益の前年同期比増加額）

Wording

Conditional

How definitive the wording is.

Contents of this document

Financial results presentation2025年度第1四半期9 items taken from the company’s own explanation

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

Ordinary income80 Hundreds of millions of yen

Net income63 Hundreds of millions of yen

Selling, general and administrative expenses157 Hundreds of millions of yen

Results for the three months of the current quarter1Q（4-6月期）の連結粗利益238億円、連結実質業務純益86億円、経常利益80億円、親会社株主純利益63億円、ビジネス利益91億円

Full-year earnings forecast

Consolidated gross operating profit

950 Hundreds of millions of yen

Consolidated core net business profit

320 Hundreds of millions of yen

Ordinary income

300 Hundreds of millions of yen

Net income attributable to owners of the parent

220 Hundreds of millions of yen

ビジネス利益

350 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 profit25.1%

Consolidated core net business profit26.9%

Ordinary income26.7%

Net income attributable to owners of the parent28.8%

ビジネス利益26.2%

Investment Banking Unit34%

Markets and International Unit26%

Customer Relations Unit33%

What the company explained in this material

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

Progress exceeding plan

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

Investment Banking Unit+¥2.2 billion

GMOあおぞらネット銀行+¥700 million

市場国際・カスタマーリレーションユニット等-¥800 million

Credit-related expenses+¥200 million

Loss of one-time gain from the liquidation of a subsidiary-¥2.3 billion

Other-¥1.1 billion

Assumptions Underlying the Business OutlookThe assumptions used by the company in preparing its forecast.

Higher interest rates全ての年限で0.25%上昇

Balance sheet2025年6月末から不変

預金金利追随率75%

Exchange rate1ベトナムドン=0.0060円（OCB損益取込時）

New initiatives

大和証券グループとの提携を活用した国内コーポレートローン・LBOファイナンスの拡大
ALMソリューション部の新設
池田泉州ホールディングスの子会社01銀行へのBaaS提供
ラクスルバンクとの提携による中小企業向け金融プラットフォームの提供

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

国内ビジネスアセット
Year on year against the same period last year2025年3月末比約1,200億円増加
ビジネスアセット¥4.5 trillion
ROE5.6 %
CET1 ratio2025年6月末実績は8月中旬公表予定
Disclosed claims ratio1.6 %
Year on year against the same period last year2025年3月末2.14%から低下
個人調達比率60 %
Loan-to-deposit ratio71 %

Segment results

Investment Banking Unit

ビジネス利益

2024年度1Q69

FY2025 1Q91

Change+¥2.2 billion

Markets and International Unit

ビジネス利益

2024年度1Q39

FY2025 1Q27

Change-¥1.1 billion

Customer Relations Unit

ビジネス利益

2024年度1Q6

FY2025 1Q1

Change-¥0.4 billion

GMOあおぞらネット銀行

ビジネス利益

2024年度1Q-5

FY2025 1Q1

Change+¥700 million

Other

ビジネス利益

2024年度1Q-38

FY2025 1Q-31

Change+¥700 million

Medium-term management plan targets

Plan nameAOZORA2027

Target fiscal yearFY2027

Net income attributable to owners of the parent¥33 billion

ROEApproximately 7%

CET1 ratio8% or higher

ビジネスアセット¥5.5 trillion

大和証券グループとの提携効果業務純益ベースで+100億円

Financial targets

ROE

FY2025 first-quarter results5.6%

Fiscal 2027 planApproximately 7%

CET1 ratio

Fiscal 2027 plan8% or higher

Annual Dividend

年間予想88円/株

第1四半期配当22円/株

Contents of this document
Item	Details
Document type	Financial results presentation
Fiscal Period Covered	2025年度第1四半期
Ordinary income	80 Hundreds of millions of yen
Net income	63 Hundreds of millions of yen
Selling, general and administrative expenses	157 Hundreds of millions of yen
Results for the three months of the current quarter	1Q（4-6月期）の連結粗利益238億円、連結実質業務純益86億円、経常利益80億円、親会社株主純利益63億円、ビジネス利益91億円
Full-year earnings forecast	Consolidated gross operating profit 950 Hundreds of millions of yen / Consolidated core net business profit 320 Hundreds of millions of yen / Ordinary income 300 Hundreds of millions of yen / Net income attributable to owners of the parent 220 Hundreds of millions of yen / ビジネス利益 350 Hundreds of millions of yen
Progress against full-year forecast	Consolidated gross operating profit 25.1% / Consolidated core net business profit 26.9% / Ordinary income 26.7% / Net income attributable to owners of the parent 28.8% / ビジネス利益 26.2% / Investment Banking Unit 34% / Markets and International Unit 26% / Customer Relations Unit 33%
Self-assessment against the plan	Progress exceeding plan
Segment results	Investment Banking Unit ビジネス利益 2024年度1Q 69 / FY2025 1Q 91 / Change +¥2.2 billion / Markets and International Unit ビジネス利益 2024年度1Q 39 / FY2025 1Q 27 / Change -¥1.1 billion / Customer Relations Unit ビジネス利益 2024年度1Q 6 / FY2025 1Q 1 / Change -¥0.4 billion / GMOあおぞらネット銀行ビジネス利益 2024年度1Q -5 / FY2025 1Q 1 / Change +¥700 million / Other ビジネス利益 2024年度1Q -38 / FY2025 1Q -31 / Change +¥700 million
Breakdown of Factors Affecting the Change	Investment Banking Unit +¥2.2 billion / GMOあおぞらネット銀行 +¥700 million / 市場国際・カスタマーリレーションユニット等 -¥800 million / Credit-related expenses +¥200 million / Loss of one-time gain from the liquidation of a subsidiary -¥2.3 billion / Other -¥1.1 billion
Key KPIs	Indicator name 国内ビジネスアセット / Value Not disclosed / Year on year against the same period last year 2025年3月末比約1,200億円増加, Indicator name ビジネスアセット / Value ¥4.5 trillion / Year on year against the same period last year Not disclosed, Indicator name ROE / Value 5.6 % / Year on year against the same period last year Not disclosed, Indicator name CET1 ratio / Value 2025年6月末実績は8月中旬公表予定 / Year on year against the same period last year Not disclosed, Indicator name Disclosed claims ratio / Value 1.6 % / Year on year against the same period last year 2025年3月末2.14%から低下, Indicator name 個人調達比率 / Value 60 % / Year on year against the same period last year Not disclosed, Indicator name Loan-to-deposit ratio / Value 71 % / Year on year against the same period last year Not disclosed
Assumptions Underlying the Business Outlook	Higher interest rates 全ての年限で0.25%上昇 / Balance sheet 2025年6月末から不変 / 預金金利追随率 75% / Exchange rate 1ベトナムドン=0.0060円（OCB損益取込時）
Medium-term management plan targets	Plan name AOZORA2027 / Target fiscal year FY2027 / Net income attributable to owners of the parent ¥33 billion / ROE Approximately 7% / CET1 ratio 8% or higher / ビジネスアセット ¥5.5 trillion / 大和証券グループとの提携効果業務純益ベースで+100億円
Financial targets	ROE FY2025 first-quarter results 5.6% / Fiscal 2027 plan Approximately 7% / CET1 ratio Fiscal 2027 plan 8% or higher
Annual Dividend	年間予想 88円/株 / Interim Dividend Not disclosed / Year-end dividend Not disclosed / 第1四半期配当 22円/株
New initiatives	大和証券グループとの提携を活用した国内コーポレートローン・LBOファイナンスの拡大, ALMソリューション部の新設, 池田泉州ホールディングスの子会社01銀行へのBaaS提供, ラクスルバンクとの提携による中小企業向け金融プラットフォームの提供

Items this document does not state (14)

Net SalesOperating profitGross Profit MarginOperating profit marginUnit price and quantity metricsNumber of stores and locationsNumber of employeesRisk amount incorporated into the outlookPayout 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.

投資銀行ビジネスにおける貸出関連手数料、M&A手数料、組合出資損益、デリバティブ販売収益の拡大、大和証券グループとの提携効果、GMOあおぞらネット銀行の手数料収益拡大が増益要因となった。一方、前年同期に計上した海外子会社清算に伴う為替差益23億円の剥落が親会社株主純利益の減益要因となった。

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