Retail and Business Banking Group
Retail Business
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 of our branches, call center, Internet and agency channels, encouraging them to stay with us on a long-term basis as an asset management partner.
Middle Market Business
Aozora actively provides a variety of financial products to SME business managers and financial solutions which match the needs or characteristics of SME customers.
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, or hosting seminars for SME customers. We respond promptly and flexibly to various management issues of SME customers. In addition, we provide financial solutions through promoting collaborative business with regional banks by leveraging the Bank’s regional financial institution network, as well as providing tailor-made financial instruments to our 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. 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
Aozora Bank actively promotes its specialty finance business as the centerpiece of its business model. It is made up of a wide range of areas including real estate finance and special situations businesses. Aozora’s strengths come from its industry-leading skills and experience, deal sourcing capability, an advanced credit examination process and its risk management systems. We approach our business with a strong understanding of the situational and environmental changes in all of our business markets, such as the real estate and non-performing claims markets.
Financial Institutions Group
The Financial Institutions Group actively provides a wide array of original financial products and services as well as supporting its financial institution customers in solving increasingly complex and diverse management issues and attending to their business needs. The Financial Institutions Group aims to make Aozora Bank the financial institution of choice.
As a strategic partner to financial institution customers, the Bank aims to develop unique business models which mutually complement our capabilities by integrating their networks and its strengths in particular business areas.
Financial Markets Group
The Financial Markets Group manages the Bank’s derivative business, financial product development and supply, and asset and liability management (ALM) function. In derivative business, we work toward increasing profitability and expanding our customer base by enhancing the value-added sales function and implementing a consulting-style approach.
We also aim to continue improving our capabilities in financial product development and supply 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 pursue consistent profitability through well-balanced interest rate risk operations, supplementing the profits from our core businesses.
