Our Mission

-	To pursue diversified revenues, underpinning sustainable growthin order to outperform the Japanesebanking sector and maximize shareholder value.

Management Philosophies

-	Mutually Beneficial Partnerships
-	Increased Corporate Value
-	Governance and Control

Aozora’s strategic strengths

- Agility:	Proactive decision making based on robust risk management
- Skill:	Continual enhancement of our knowledge base and technical capabilities
- Network:	Partnerships based on mutual trust, respect, and financial reward
- Our people:	Success is directly linked to the ability ofour employees to fully realize their potential
- Financial   strength:	Our non-performing loans ratio and high coverage ratio reflect the quality of our assets and our high capital adequacy ratio

Leveraging our strengths, adding value

-	Tailor-made response to corporate clients' individual needs
-	Offering investment banking products maximizing risk-return
-	Partnering financial institutions in mutually beneficial relationships
-	Growing retail deposits as a high quality, low cost funding source