Business Operations

Retail and Business Banking Group

Retail Banking Group

In retail business, Aozora provides highly specialized consulting services as well as a wide range of financial products to meet retail customers’ diverse asset management needs under the Bank’s ‘customer first’ philosophy. We will deepen relationships with our customers through the provision of asset management consultation services, as well as through improving the convenience and expanding the services of our branches, call center, Internet, Japan Post Bank and Post Office partnership ATMs, and agency channels, encouraging them to stay with us on a long-term basis as an asset management partner.

Business Banking Group

As the group responsible for middle market business, we cooperate with the Bank’s financial institution and corporate businesses in order to strategically provide a wide range of solutions that match the characteristics and needs of our SME and regional financial institution customers, by creating a framework that allows us to better respond to the needs of our customers.

We provide solutions that match the characteristics and needs of our SME customers, as well as a variety of products to individual SME business managers. In order to help our regional financial institution customers to meet their operational needs and solve increasingly sophisticated and diverse management issues, we provide a range of original products and services.

Our focus is on acquiring new customers in order to further increase transaction volume by creating a stronger division for developing business with new customers. Taking advantage of the Bank’s strengths, we leverage the networks of our regional financial institution customers to match our customers with those of regional banks, as well as provide tailor-made financial instruments, in order to respond swiftly and flexibly to the various management issues of SME customers.

Corporate Banking Group

The Corporate Banking Group, provides loans, derivative products and deposits to large and medium-sized corporations in the Tokyo metropolitan and Kansai areas, and the public sector, as well as large financial institutions. It also provides leveraged buyout finance (LBO), healthcare finance, advisory services for corporate mergers and acquisitions (M&A) and arranges syndicated loans. Combining our long-standing customer relationships with the Bank’s diverse expertise, the Corporate Banking Group pursues earnings through the provision of high value-added financial solutions that are best-suited to our customers, as well as working to expand the customer base and enhance relationships with existing customers.

Specialty Finance Group

The Specialty Finance Group provides finance backed by or collateralized by various assets. In particular, Aozora’s strengths lie in real estate finance and special situations businesses which it actively promotes as foundation businesses. Aozora’s strengths include experience and a track record in these businesses, the ability to evaluate real estate, the capability to structure transactions to meet customers’ needs, and networking with major players. We pursue a quality portfolio which generates stable revenues through the steady accumulation of deals offering a suitable return on risk, while paying attention to an ever-changing market environment.

Financial Markets Group

The Financial Markets Group manages the Bank’s derivatives business and the asset and liability management (ALM) function. In the derivatives business, we work toward increasing profitability and expanding our customer base by enhancing our value-added sales function, such as a consulting-style approach. We also aim to continue improving our capabilities to supply products for all customer segments including corporate customers, financial institutions and retail customers. In ALM, we maintain a stable portfolio of well-diversified investments in highly liquid securities and are committed to generating stable profits through well-balanced interest rate risk operations, thereby supplementing the profits of our core businesses.