Komori
Aozora Bank (8304) · PolicyAdvanced

Disciplined balance sheet management

First written in FY2017-Q1. 15 of 27 entries say "Restated". Latest entry: 2026-11-11.

27entries
11years
4from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2017-Q1 – FY2023-Q3AdvancedFY2025 – 2026-11-112016: 220162017: 320172018: 320182019: 320192020: 120202021: 220212022: 120222023: 320232024: 220242025: 220252026: 52026
Same theme, other companies
貸出採算・業務効率化による銀行収益力強化A theme 3 companies write about · 0 as a headwind · 3 as a tailwind

2 other companies' latest entry also says "Advanced".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Full recordFilings, disclosures and news, newest first
  1. FY2026AdvancedAnnual report

    「Domestic lending balances increased by ¥260.0 billion, or 9%, year on year. The domestic deposit-lending yield spread widened by 0.12 percentage points, and domestic net interest income increased by ¥10.3 billion, or 41%.」

    Domestic lending balances increased by ¥260.0 billion, resulting in a wider deposit-lending yield spread and higher domestic net interest income.
  2. FY2026-H1AdvancedAnnual report

    「Domestic business assets increased by approximately ¥220.0 billion from the end of March 2025, driven mainly by growth in investment banking balances」

    Domestic business assets increased by approximately ¥220.0 billion from the end of March 2025, expanding the scale of balance-sheet deployment, mainly in investment banking.
  3. FY2025AdvancedAnnual report

    「Domestic (excluding the Special International Financial Transactions Account) 3,098,275 100.00 3,298,786 100.00 Overseas and Special International Financial Transactions Account 973,019 100.00 907,777 100.00 Total 4,071,295 — 4,206,564」

    Year-end loans and bills discounted increased from ¥4.0712 trillion in the previous year to ¥4.2065 trillion. Domestic lending increased, while overseas lending declined.
  4. FY2025-H1Interim-period decline in loan balancesAnnual report

    「Total 4,118,184 — 3,967,523」

    Loans and bills discounted decreased from ¥4.1181 trillion in the same period a year earlier to ¥3.9675 trillion. Following a period of balance growth, the scale of balance-sheet deployment contracted in the first half of the fiscal year.
  5. FY2024-Q3AdvancedAnnual report

    「Total 3,877,656 — 4,073,510」

    Loans and bills discounted increased from ¥3.8776 trillion in the same period a year earlier to ¥4.0735 trillion, expanding the scale of balance-sheet deployment.
  6. FY2024-Q2AdvancedAnnual report

    「Total 3,848,781 — 4,118,184 —」

    Loans and bills discounted increased from ¥3.8487 trillion in the same period a year earlier to ¥4.1181 trillion, expanding the scale of balance-sheet deployment.
  7. FY2024-Q1AdvancedAnnual report

    「Domestic (excluding the Special International Financial Transactions Account) 2,742,315 100.00 3,072,998 100.00 Overseas and Special International Financial Transactions Account 858,603 100.00 940,399 100.00 Total 3,600,919 — 4,013,397 —」

    Loans and bills discounted increased from ¥3.6009 trillion in the same period a year earlier to ¥4.0133 trillion, with both domestic and overseas balances expanding.
  8. FY2023-Q3RestatedAnnual report

    「Loans and bills discounted were ¥3.8776 trillion, up ¥560.5 billion from the end of March. Domestic lending increased by ¥389.5 billion, while overseas lending increased by ¥171.0 billion.」

    The status of disciplined balance-sheet management involving flexible adjustment of domestic and overseas lending has been reconfirmed.
  9. FY2023-Q1RestatedAnnual report

    「Loans and bills discounted were ¥3.6009 trillion, up ¥283.7 billion from the end of the previous fiscal year. Domestic lending increased by ¥142.0 billion, while overseas lending increased by ¥141.7 billion.」

    The disclosure describes the loan portfolio being adjusted through increases in both domestic and overseas lending.
  10. FY2022-Q1RestatedAnnual report

    「Loans and bills discounted were ¥2.9660 trillion, up ¥17.2 billion from the end of the previous fiscal year. Domestic lending increased by ¥46.1 billion, while overseas lending decreased by ¥28.9 billion.」

    The disclosure describes adjustments to the loan portfolio, with domestic lending increasing while overseas lending declined.
  11. FY2021RestatedAnnual report

    「Loans and bills discounted were ¥2.9488 trillion, down ¥5.3 billion from the end of the previous fiscal year. Domestic lending increased by ¥65.5 billion, while overseas lending decreased by ¥70.8 billion.」

    The disclosure describes disciplined balance-sheet management involving flexible adjustment of domestic and overseas lending balances.
  12. FY2020-Q3RestatedAnnual report

    「Domestic lending increased by ¥168.8 billion from the end of March as the bank continued disciplined balance-sheet management.」

    The bank continues disciplined balance-sheet management even as domestic lending increases.
  13. FY2020-Q2RestatedAnnual report

    「Domestic lending increased by ¥90.1 billion from the end of March as the bank continued disciplined balance-sheet management.」

    The bank continues disciplined balance-sheet management even as domestic lending increases.
  14. FY2019RestatedAnnual report

    「Domestic lending increased by ¥49.0 billion from the end of the previous fiscal year as the bank continued disciplined balance-sheet management.」

    The bank continues disciplined balance-sheet management even during a period of growth in domestic lending.
  15. FY2019-Q3RestatedAnnual report

    「Domestic lending increased by ¥2.1 billion from the end of March as the bank continued disciplined balance-sheet management.」

    The bank has reconfirmed its policy of continuing disciplined balance-sheet management even as domestic lending increases.
  16. FY2019-Q2RestatedAnnual report

    「Domestic lending decreased by ¥31.9 billion from the end of March as the bank continued disciplined balance-sheet management.」

    Although domestic lending balances declined, the policy of continuing disciplined balance-sheet management has been reconfirmed.
  17. FY2019-Q1RestatedAnnual report

    「Net interest income was ¥14.0 billion, up ¥1.0 billion, or 8.3%, year on year, as the bank continued disciplined balance-sheet management and lending and securities yields exceeded those of the same period a year earlier.」

    The bank has reconfirmed its policy of continuing disciplined balance-sheet management, with a focus on lending and securities yields.
  18. FY2018-Q3RestatedAnnual report

    「Net interest income was ¥37.8 billion, up ¥3.7 billion, or 10.8%, year on year. The bank continued disciplined balance-sheet management, and lending and securities yields exceeded those of the same period a year earlier, while average balances of earning assets also increased.」

    The bank has reconfirmed its policy of continuing disciplined balance-sheet management, with a focus on lending and securities yields.
  19. FY2018-Q2RestatedAnnual report

    「Net interest income, included in consolidated gross operating profit, was ¥25.0 billion, up ¥2.5 billion, or 11.3%, year on year. The bank continued disciplined balance-sheet management, and lending and securities yields exceeded those of the same period a year earlier, while average balances of earning assets also increased.」

    The bank has reconfirmed its policy of continuing disciplined balance-sheet management, with a focus on lending and securities yields.
  20. FY2018-Q1RestatedAnnual report

    「Net interest income was ¥12.9 billion, up ¥2.8 billion, or 27.3%, year on year, as the bank continued disciplined balance-sheet management and lending and securities yields exceeded those of the same period a year earlier.」

    The bank has reconfirmed its policy of continuing disciplined balance-sheet management, with a focus on lending and securities yields.
  21. FY2017-Q3RestatedAnnual report

    「Net interest income, included in consolidated gross operating profit, was ¥34.1 billion, down ¥4.7 billion, or 12.0%, year on year. The bank continued disciplined balance-sheet management, and lending and securities yields exceeded those of the same period a year earlier, with the gross interest margin reaching 1.28%, but average balances of earning assets declined and other factors reduced income.」

    The bank has reconfirmed its policy of continuing disciplined balance-sheet management, with a focus on lending and securities yields.
  22. FY2017-Q2RestatedAnnual report

    「Net interest income was ¥22.4 billion, down ¥3.0 billion, or 11.7%, year on year. The bank continued disciplined balance-sheet management, and lending and securities yields exceeded those of the same period a year earlier, but the increase in U.S. dollar funding costs and other factors weighed on income.」

    The disclosure states that disciplined balance-sheet management continued and lending and securities yields increased.
  23. FY2017-Q1First statedAnnual report

    「Net interest income was ¥10.2 billion, down ¥2.8 billion, or 21.7%, year on year. This reflected the impact of higher U.S. dollar funding costs and other factors, despite continued disciplined balance-sheet management and lending and securities yields exceeding those of the same period a year earlier.」

    The bank continues disciplined balance-sheet management with a focus on lending and securities yields.
Moved together

"Selective lending growth focused on risk-adjusted returns" moved the same way as this thread, in the same document, in 9 of its 27 moves.

999887★123456
  1. ★This thread
  2. 1Selective lending growth focused on risk-adjusted returns9×
  3. 2Payment of Dividends on Common Stock9×
  4. 3Revenue Diversification9×
  5. 4Joint Operation of an Internet Bank with GMO Internet8×
  6. 5Investment Portfolio Focused on Asset Efficiency and Diversification8×
  7. 6Promoting an Aozora-Style Investment Banking Business7×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
Aozora Bank's next results are scheduled for 2026-11-11. Read the earnings preview It last moved in the Financial Results Presentation of 2026-11-11: "Advanced".
News
No news is linked to this thread yet. When an article touches it, it will appear here by date.