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Financial results presentation8304Aozora Bank,Ltd.Banks

2025年度第3四半期 決算概要

2025年度第3四半期累計は、連結粗利益が前年同期比103億円増の730億円、親会社株主純利益が55億円増の218億円となった。投資銀行ビジネスや大和証券グループとの提携、GMOあおぞらネット銀行が伸び、親会社株主純利益の通期予想に対する進捗率は99.2%となった。

Worth reading
66In focus
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
55
億円（親会社株主純利益の前年同期比増加額）
Wording
Conditional
How definitive the wording is.

Contents of this document

Financial results presentationFY2025 third quarter9 items taken from the company’s own explanation
Financial Results Figures (The key points of this material are explained below)
Ordinary income¥236 100 million
Net income¥218 100 million
Selling, general and administrative expenses¥-484 100 million
Results for the three months of the current quarterGMOあおぞらネット銀行の当期純利益は3Q単独で6億円
Full-year earnings forecast
Consolidated gross operating profit
¥950 100 million
Consolidated core net business profit
¥320 100 million
Ordinary income
¥300 100 million
Net income attributable to owners of the parent
¥220 100 million
ビジネス利益
¥350 100 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。
Consolidated gross operating profit76.9%
Consolidated core net business profit83.0%
Ordinary income78.9%
Net income attributable to owners of the parent99.2%
ビジネス利益78.4%
Investment Banking Unit105%
Markets and International Unit43%
Customer Relations Unit390%
What the company explained in this material
Self-assessment against the planThe company's self-assessment against its own plan.
投資銀行ユニットのビジネス利益は通期計画を上回る進捗。カスタマーリレーションユニットも通期計画を上回る実績。
Breakdown of Factors Affecting the ChangeReasons cited by the Company for the change in the figures.
  • ビジネス利益+67億円
  • GMOあおぞらネット銀行+¥1.4 billion
  • 市場国際・カスタマーリレーションユニット等-¥1.7 billion
  • Credit-related expenses+¥3.3 billion
  • Loss of one-time gain from the liquidation of a subsidiary-¥2.3 billion
  • Other-¥1.8 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%金利上昇
Balance sheet2025年12月末から不変
Deposit rate pass-through75%
New initiatives
  • 大和証券グループとの提携による個人向けファンドラップ販売
  • 市場国際ユニットにおけるレガシー資産の一部処理とポートフォリオのポジション調整
  • 2025年度からのビジネスグループ再編と調達貢献実績の各ユニットへの追加
Key KPIsA metric the company considers important as a management benchmark.
  • 投資銀行ユニットのビジネス利益¥280 100 million
    yoy+67億円
  • ファンドラップ販売額490 over ¥100 million
  • ファイナンス累計実行額2,100 億円約
  • GMOあおぞらネット銀行の法人アカウント数229,000 Accounts
    yoyUpward trend
  • GMOあおぞらネット銀行の預金残高¥12,366 100 million
    yoyUpward trend
  • BaaS byGMOあおぞら契約数累計1,010 Contracts
    yoyIncreased
  • Domestic loan balance¥30,956 100 million
    yoy2025年3月末比約1,900億円増加
Segment results
  • Investment Banking Unit
    ビジネス利益280
    yoy+67億円
  • Markets and International Unit
    ビジネス利益45
    yoy-¥1.5 billion
  • Customer Relations Unit
    ビジネス利益12
    yoy約0億円
  • GMOあおぞらネット銀行
    ビジネス利益8
    yoy+¥1.4 billion
  • Other
    ビジネス利益-73
    yoy-¥100 million
Medium-term management plan targets
Plan nameAOZORA2027
Target fiscal year2027年度または2028年3月末
Net income attributable to owners of the parent¥33 billion
ROEApproximately 7%
ビジネスアセット¥5.5 trillion
Financial targets
ROE2027年度7%程度
CET1 ratio2027年度8%以上
Annual Dividend
年間予想88円/株
Breakdown
1Q22円/株
2Q22円/株
3Q22円/株
Fourth-quarter forecast22円/株
Contents of this document
ItemDetails
Document typeFinancial results presentation
Fiscal Period CoveredFY2025 third quarter
Ordinary income¥236 100 million
Net income¥218 100 million
Selling, general and administrative expenses¥-484 100 million
Results for the three months of the current quarterGMOあおぞらネット銀行の当期純利益は3Q単独で6億円
Full-year earnings forecastConsolidated gross operating profit ¥950 100 million / Consolidated core net business profit ¥320 100 million / Ordinary income ¥300 100 million / Net income attributable to owners of the parent ¥220 100 million / ビジネス利益 ¥350 100 million
Progress against full-year forecastConsolidated gross operating profit 76.9% / Consolidated core net business profit 83.0% / Ordinary income 78.9% / Net income attributable to owners of the parent 99.2% / ビジネス利益 78.4% / Investment Banking Unit 105% / Markets and International Unit 43% / Customer Relations Unit 390%
Self-assessment against the plan投資銀行ユニットのビジネス利益は通期計画を上回る進捗。カスタマーリレーションユニットも通期計画を上回る実績。
Segment resultsSegment Investment Banking Unit / ビジネス利益 ¥280 100 million / yoy +67億円, Segment Markets and International Unit / ビジネス利益 ¥45 100 million / yoy -¥1.5 billion, Segment Customer Relations Unit / ビジネス利益 ¥12 100 million / yoy 約0億円, Segment GMOあおぞらネット銀行 / ビジネス利益 ¥8 100 million / yoy +¥1.4 billion, Segment Other / ビジネス利益 ¥-73 100 million / yoy -¥100 million
Breakdown of Factors Affecting the ChangeFactors ビジネス利益 / Amount +67億円, Factors GMOあおぞらネット銀行 / Amount +¥1.4 billion, Factors 市場国際・カスタマーリレーションユニット等 / Amount -¥1.7 billion, Factors Credit-related expenses / Amount +¥3.3 billion, Factors Loss of one-time gain from the liquidation of a subsidiary / Amount -¥2.3 billion, Factors Other / Amount -¥1.8 billion
Key KPIs¥280 100 million, 490 over ¥100 million, 2,100 億円約, 229,000 Accounts, ¥12,366 100 million, 1,010 Contracts, ¥30,956 100 million
Assumptions Underlying the Business OutlookHigher interest rates 全ての年限で0.25%金利上昇 / Balance sheet 2025年12月末から不変 / Deposit rate pass-through 75%
Medium-term management plan targetsPlan name AOZORA2027 / Target fiscal year 2027年度または2028年3月末 / Net income attributable to owners of the parent ¥33 billion / ROE Approximately 7% / ビジネスアセット ¥5.5 trillion
Financial targetsROE 2027年度7%程度 / CET1 ratio 2027年度8%以上
Annual Dividend年間予想 88円/株 / Breakdown 1Q 22円/株 / 2Q 22円/株 / 3Q 22円/株 / Fourth-quarter forecast 22円/株
New initiatives大和証券グループとの提携による個人向けファンドラップ販売, 市場国際ユニットにおけるレガシー資産の一部処理とポートフォリオのポジション調整, 2025年度からのビジネスグループ再編と調達貢献実績の各ユニットへの追加
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.

投資銀行ビジネスでは、コーポレートローンやLBOファイナンスを中心とした国内ビジネスアセットの拡大と、貸出関連手数料・ファンドのリターンなどの非資金利益が増加した。大和証券グループとの提携によるファンドラップ販売も計画を上回り、GMOあおぞらネット銀行では手数料収益と預金増加に伴う資金利益が拡大した。また、米国オフィス向けローンの回収進展により税負担が軽減された。

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.
2025年度第3四半期 決算概要 | Aozora Bank,Ltd. (8304) timely disclosure | Komori