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Aozora Bank Ltd.

Business Summary

Aozora Bank, Ltd. engages in the provision of financial products and services. It operates through the following segments: Individual Sales Group, Corporate Sales Group, Financial and Regional Corporation Sales Group, Special Finance Group, International Finance Group, and Financial Markets Group. The Individual Sales Group handles deposits for individual customers, sales of investment trusts and insurance, and other financial services. The Corporate Sales Group covers loans to corporate customers, mainly business corporations and public corporations, deposits, sales of financial products, liquidation of receivables, private placement bonds, M & A-related business, private equity investment business, acquisition finance and other finance. The Financial and Regional Corporation Sales Group manages lending, deposits, sales of financial products and other financial services to corporate customers, mainly financial corporations. The Special Finance Group covers rehabilitation finance, real estate finance, and other highly specialized financial services. The International Finance Group handles overseas investment and loan business and other highly specialized financial services. The Financial Markets Group sells derivative products and foreign exchange products for customers, the trading business of derivatives and foreign exchange, and the ALM business. The company was founded in April 1957 and is headquartered in Tokyo, Japan.

Financial Highlights

Mar 2022 JPYUSD
Gross Profit----
Operating income43,812M389.88M
Income before tax45,975M409.12M
Net income35,004M311.49M
Diluted EPS299.372.66
Dividends Per Share1491.32
Total Assets6,728.65B55,436.89M
Total liabilities6,241.38B51,422.28M
Total equity493,494M4,065.86M
Operating cash flow-227,870M-2,027.80M
Currency in JPYCurrency in USD

Historical Data

 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 136,791M 156,657M 181,127M 130,445M 130,593M
Gross Profit -- -- -- -- --
Operating income 58,468M 47,109M 42,673M 38,448M 43,812M
Income before tax 57,962M 47,794M 43,325M 38,977M 45,975M
Net income 43,063M 36,130M 28,142M 28,972M 35,004M
EBITDA -- -- -- -- --
Diluted EPS 368.89 309.42 240.92 247.90 299.37
Dividends Per Share 184 154 156 124 149
Total Assets 4,912.79B 5,255.04B 5,299.81B 5,916.86B 6,728.65B
Total liabilities 4,475.55B 4,806.33B 4,875.04B 5,426.86B 6,241.38B
Total equity 436,051M 448,876M 427,492M 494,547M 493,494M
Operating cash flow 15,507M -6,393M 50,686M -62,758M -227,870M
 Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022
Revenue 1,234.21M 1,412.66M 1,665.90M 1,229.94M 1,162.14M
Gross Profit -- -- -- -- --
Operating income 527.53M 424.80M 392.48M 362.52M 389.88M
Income before tax 522.96M 430.98M 398.47M 367.50M 409.12M
Net income 388.54M 325.80M 258.83M 273.17M 311.49M
EBITDA -- -- -- -- --
Diluted EPS 3.32 2.79 2.21 2.33 2.66
Dividends Per Share 1.66 1.38 1.43 1.16 1.32
Total Assets 46,194.55M 47,477.51M 49,092.81M 53,546.30M 55,436.89M
Total liabilities 42,083.28M 43,423.57M 45,158.14M 49,111.85M 51,422.28M
Total equity 4,100.14M 4,055.43M 3,959.90M 4,475.53M 4,065.86M
Operating cash flow 139.91M -57.64M 466.18M -591.73M -2,027.80M

Valuation Measures

Mar 2022
Operating margin33.54%
Profit margin26.80%

Key executives

  • President, CEO & Representative Director: Kei Tanikawa
  • CFO, Director & Senior Managing Executive Officer: Tomomi Akutagawa
  • CTO & Managing Executive Officer: Tomoyuki Yamada
  • Representative Director, EVP & Head-Secretary: Hideto Omi
  • Representative Director & GM-Corporate Sales: Koji Yamakoshi


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Contact Details

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