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Finance

Aozora Bank Ltd.

Business Summary

Aozora Bank, Ltd. engages in the provision of financial products and services. It operates through the following segments: Retail Banking Group (RBG), Institutional Banking Group (IBG), Specialized Banking Group (SBG), and Financial Markets Group (FMG). The RBG segment offers financial services to retail customers. The IBG segment provides financial services to corporate customers, public sector customers and financial institutions. The SBG segment gives financial services that require specialized expertise such as corporate restructuring finance, real estate finance and overseas loans and investments. The FMG segment supplies derivatives and foreign exchange products to customers, trading derivatives and foreign exchange products, as well as asset liability management (ALM) operations. The company was founded in April 1957 and is headquartered in Tokyo, Japan.

Financial Highlights

Mar 2020 JPYUSD
Revenue181,127M1,665.90M
Gross Profit----
Operating income42,673M392.48M
Income before tax43,325M398.47M
Net income28,142M258.83M
EBITDA----
Diluted EPS240.922.21
Dividends Per Share1561.43
Total Assets5,299.81B49,092.81M
Total liabilities4,875.04B45,158.14M
Total equity427,492M3,959.90M
Operating cash flow50,686M466.18M
Currency in JPYCurrency in USD

Historical Data

 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 117,535M 121,050M 136,791M 156,657M 181,127M
Gross Profit -- -- -- -- --
Operating income 56,183M 53,095M 58,468M 47,109M 42,673M
Income before tax 55,716M 51,762M 57,962M 47,794M 43,325M
Net income 43,499M 43,848M 43,063M 36,130M 28,142M
EBITDA -- -- -- -- --
Diluted EPS 343.70 375.70 368.89 309.42 240.92
Dividends Per Share 186 187 184 154 156
Total Assets 4,602.45B 4,586.00B 4,912.79B 5,255.04B 5,299.81B
Total liabilities 4,196.95B 4,165.65B 4,475.55B 4,806.33B 4,875.04B
Total equity 404,726M 418,586M 436,051M 448,876M 427,492M
Operating cash flow 37,564M -100,963M 15,507M -6,393M 50,686M
 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 978.77M 1,117.85M 1,234.21M 1,412.66M 1,665.90M
Gross Profit -- -- -- -- --
Operating income 467.86M 490.31M 527.53M 424.80M 392.48M
Income before tax 463.97M 478.00M 522.96M 430.98M 398.47M
Net income 362.23M 404.92M 388.54M 325.80M 258.83M
EBITDA -- -- -- -- --
Diluted EPS 2.86 3.46 3.32 2.79 2.21
Dividends Per Share 1.54 1.72 1.66 1.38 1.43
Total Assets 40,948.92M 41,155.94M 46,194.55M 47,477.51M 49,092.81M
Total liabilities 37,341.12M 37,383.59M 42,083.28M 43,423.57M 45,158.14M
Total equity 3,600.92M 3,756.49M 4,100.14M 4,055.43M 3,959.90M
Operating cash flow 312.81M -932.36M 139.91M -57.64M 466.18M

Valuation Measures

Mar 2020
PER8.54
ROA0.53%
ROE6.42%
Operating margin23.55%
Profit margin15.53%

Key executives

  • President & Representative: Kei Tanikawa
  • Chief Technology Officer & Executive Officer: Tomoyuki Yamada
  • Director & Senior Managing Executive Officer: Tomomi Akutagawa
  • Managing Executive Officer: Fumihiko Hirose
  • Chief Risk Officer & Managing Executive Officer: Masayoshi Ohara

Shareholders

  • Nomura Asset Management Co., Ltd. (5.8%)
  • BlackRock Fund Advisors (3.2%)
  • The Vanguard Group, Inc. (2.8%)
  • Daiwa Asset Management Co. Ltd. (1.8%)
  • Nikko Asset Management Co., Ltd. (1.7%)
  • Aozora Bank Ltd. (1.3%)
  • BlackRock Japan Co., Ltd. (1.3%)
  • Dimensional Fund Advisors LP (0.9%)
  • Mitsubishi UFJ Kokusai Asset Management Co., Ltd. (0.8%)
  • BlackRock Investment Management (UK) Ltd. (0.6%)

Contact Details

Related Companies

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  • Aqua Master Trust Series 2013-1
  • Azb Funding 5
  • Aozora Investment Management Co., Ltd.
  • AZB Funding 3
  • AZB Funding
  • Aozora Investments LLC
  • Aozora Investment, Inc.
  • Aozora Securities Co., Ltd.
  • AZURE Funding North America II
  • AZURE Funding North America I
  • Aozora Asia Pacific Finance Ltd.
  • AZB CLO 4 Ltd.
  • GMO Aozora Net Bank Ltd.
  • Acorn One
  • AZB CLO 3 Ltd.
  • AZB CLO 1 Ltd.
  • AZB CLO 2 Ltd.
  • Aozora Bank Ltd. (New York Branch)
  • Wide Capital Ltd.
  • Aozora Investment Co. Ltd.

Competitors

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