Business Operations

Retail Banking Group

The Retail Banking Group is well prepared to meet the diverse needs of customers through personalized face-to-face asset management consultation and its broad range of competitive “Aozora Brand” products provided by the Bank’s subsidiaries, Aozora Securities Co., Ltd. and Aozora Investment Management Co. Ltd.

The Bank is committed to expanding and enhancing its service channels, which include branch offices, Internet banking, call center and Japan Post Bank partnership ATMs, in order to deliver products and services to help its customers develop their assets.

Institutional Banking Group

Corporate Finance Business

As the ‘Primary Secondary Bank: An Even More Reliable Partner,’ we focus on providing high-value-added solutions to the various management issues facing our customers, including advice on capital policy and business recovery, information to assist management and business activities, and support for overseas expansion, toward our customers’ continued growth and development.

Financial Institutions Business

For over 50 years Aozora Group has promoted a broad range of transactions with its regional financial institution customers across the country. We provide a variety of financial products and services in response to customers’ diverse management issues and needs.

In particular, working together with our regional financial institution customers, we utilize Aozora Group’s expertise and skills to provide solutions to their clients, aiming to contribute to regional economies.

Specialized Banking Group

Specialty Finance Business

The Specialty Finance Business provides finance backed by or collateralized with various assets. In particular, Aozora’s strengths lie in real estate finance and business recovery finance which it actively promotes as a focus business area. Our target assets range from stable and sound assets to opportunistic and distressed assets, and we provide a variety of financial services to respond to customers’ needs. 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.

International Business

We are working on syndicated loans, corporate loans, project finance, and other deals for customers and projects mainly in the North American/Asian regions. Aozora’s strengths include experience and a track record in these businesses, the ability to appropriately evaluate and monitor assets, the capability to structure transactions to meet customers’ needs, and networking with major players.

We pursue construction of a quality portfolio with well-diversified risks 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 by using 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 the ALM business, 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. We stabilize our funding base by utilizing term deposits, NCDs, debentures and other tools. As the issuance of debentures will be mandatory terminated in March 2016, we plan to replace it by issuing senior straight bonds continually every quarter of the year.

FAQ

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