JAPAN POST BANK (7182) Q4 2026 earnings summary

Executive summary

• Ordinary income rose by ¥330.1 billion year-over-year to ¥2,852.2 billion, driven by higher interest income and fees.

• Net ordinary income increased by ¥174.6 billion to ¥759.1 billion, surpassing forecasts.

• Net income attributable to owners of parent grew by ¥111.2 billion to ¥525.5 billion, also exceeding forecasts.

• Total assets decreased by ¥7,029.9 billion to ¥226,571.5 billion, while securities and loans increased.

• Deposits declined by ¥4,353.0 billion to ¥186,108.7 billion.

Financial highlights

• Ordinary income: ¥2,852.2 billion (up 13.0% year-over-year).

• Net ordinary income: ¥759.1 billion (up 29.8% year-over-year).

• Net income attributable to owners of parent: ¥525.6 billion (up 26.8% year-over-year).

• Net income per share: ¥147.10 (up from ¥114.60 year-over-year).

• Total net assets: ¥9,260.1 billion; net assets per share: ¥2,586.63.

Outlook and guidance

• FY2027 forecast: Net ordinary income ¥955.0 billion (up 25.7%), net income attributable to owners of parent ¥660.0 billion (up 25.5%), net income per share ¥185.29.

• Focus on four business strategies under the new medium-term plan amid global uncertainties.