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Aozora Bank, First Half Ordinary Profit Increases by 54%

Thu Nov 13, 2025 3:30 pm JST Earnings

8304 Aozora Bank, Ltd. 【J-GAAP】

Earnings Report

Aozora Bank, Ltd. <8304> [TSE Prime] announced its financial results after the market closed on November 13th (15:30). The consolidated ordinary profit for the cumulative second quarter of the fiscal year ending March 2026 (April to September) expanded 15.3 billion yen, an increase 53.9% compared to the same period last year. Progress toward the full-year plan of 30.0 billion yen was 51.3%, it was below the five-year average of 110.1%.

Based on the first-half performance announced by the company and the unchanged full-year plan, our calculation indicates that the consolidated ordinary profit for the October to March period (second half) is expected to expand 93.2% from the same period last year, reaching 14.6 billion yen.

At the same time, the company decided to implement a dividend for the second quater of 22 yen.

In the most recent three-month period, from July to September (2Q), the consolidated ordinary profit increased 79.7% from the same period last year, reaching 7.37 billion yen.

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Actual Results

Accumulated Results 2nd Quarter
Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Progress Rate vs. First Half Announce Accounting Standards
Apr - Sep, 2023 135,662 ー 14,384 12,048 103.2 ー Nov 13, 2023 J-GAAP
Apr - Sep, 2024 115,128 ー 9,994 11,919 93.4 56.9 Nov 15, 2024 J-GAAP
Apr - Sep, 2025 117,144 ー 15,380 13,613 98.4 51.3 Nov 13, 2025 J-GAAP
YoY +1.8% － +53.9% +14.2% +5.4%

First Half Results vs. Previous Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Apr - Sep, 2025 Guidance ー ー ー ー － － May 14, 2025 J-GAAP
Apr - Sep, 2025 Results 117,144 ー 15,380 13,613 98.4 44 Nov 13, 2025 J-GAAP
Revision Rate － － － － －

Current Period Guidance

Second Half Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Oct - Mar, 2024 116,332 ー 7,567 8,599 64.7 41 May 14, 2025 J-GAAP
Oct - Mar, 2025 Guidance ー ー 14,620 8,387 60.6 44 Nov 13, 2025 J-GAAP
YoY － － +93.2% -2.5% -6.2%

Current Period Guidance

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Adj. Dividend Announce Accounting Standards
Mar, 2024 246,299 ー -54,816 -49,904 -427.2 76 May 13, 2024 J-GAAP
Mar, 2025 231,460 ー 17,561 20,518 154.3 79 May 14, 2025 J-GAAP
Mar, 2026 Guidance ー ー 30,000 22,000 159.0 88 May 14, 2025 J-GAAP
YoY － － +70.8% +7.2% +3.1%

Quarterly Results

Fiscal Year Revenue Operating Profit Ordinary Profit Net Profit Adj. EPS Operating Profit Margin Announce Accounting Standards
Jul - Sep, 2024 56,829 ー 4,102 4,348 34.1 0.0 Nov 15, 2024 J-GAAP
Oct - Dec, 2024 56,812 ー 3,300 4,312 32.9 0.0 Feb 3, 2025 J-GAAP
Jan - Mar, 2025 59,520 ー 4,267 4,287 32.2 0.0 May 14, 2025 J-GAAP
Apr - Jun, 2025 60,745 ー 8,007 6,326 45.7 0.0 Aug 1, 2025 J-GAAP
Jul - Sep, 2025 56,399 ー 7,373 7,287 52.7 0.0 Nov 13, 2025 J-GAAP
YoY -0.8% － +79.7% +67.6% +54.6%

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