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International Banker

BOJ rate normalisation lifts Japan’s top three banking groups to ¥5.26 trillion net profit in FY2025

AI Market Summary
Bank of Japan rate normalisation has driven record profits for Japan's three megabanks, with combined FY2025 net income up ~34% as net interest margins widen faster than deposit costs reprice. The move to a 1.0% policy rate also boosts reserve remuneration and reinvestment yields, supporting earnings momentum into FY2026. Markets may reassess Japanese financial-sector profitability and related global bank exposures amid higher domestic rates.
Impact level
● Medium
Affected assets
NCSKHSBC2USD/USDT+0.48%
AI Insight · NCSKHSBC2USD/USDTAI Insight
▲ Bullish
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The Bank of Japan has continued normalising interest rates, ending its negative-rate policy in March 2024 and lifting the policy rate to 1.0% by June 2026. Against that backdrop, Mitsubishi UFJ, Sumitomo Mitsui and Mizuho posted combined net profit of ¥5.26 trillion for fiscal 2026, up 34% year on year. The improvement has been driven mainly by wider net interest margins as higher rates feed through to bank earnings.
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