Management of Risk Appetite Framework

Through efficient management and utilization of managerial resources as well as sound risk-taking, Aozora intends to generate stable earnings, enhance its capital base, and achieve corporate growth, thereby realizing its management philosophy of “Contribute to the development of society through the creation of new value-added financial services.”

• Focused allocation of managerial resources to the Strategic Investments Business as a key area with a view to realizing Aozora’s management philosophy; The Market & International Business will work within its risk capacity to stabilize the overall earnings of the Aozora Group; Commit to strengthening the Customer Relations Business, and secure a stable funding base in line with business growth
• Secure sustainable and stable earnings and enhance capital adequacy through risk-taking within the scope of risk control capacity and management capacity under a risk management approach that considers the business portfolio
• Steadily resolve balance sheet issues concerning U.S. office loans and securities portfolio management under a management approach in consideration of an appropriate overseas ratio