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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: 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 2021 JPYUSD
Revenue130,445M1,229.94M
Gross Profit----
Operating income38,448M362.52M
Income before tax38,977M367.50M
Net income28,972M273.17M
EBITDA----
Diluted EPS247.902.33
Dividends Per Share1241.16
Total Assets5,916.86B53,546.30M
Total liabilities5,426.86B49,111.85M
Total equity494,547M4,475.53M
Operating cash flow-62,758M-591.73M
Currency in JPYCurrency in USD

Historical Data

 Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021
Revenue 121,050M 136,791M 156,657M 181,127M 130,445M
Gross Profit -- -- -- -- --
Operating income 53,095M 58,468M 47,109M 42,673M 38,448M
Income before tax 51,762M 57,962M 47,794M 43,325M 38,977M
Net income 43,848M 43,063M 36,130M 28,142M 28,972M
EBITDA -- -- -- -- --
Diluted EPS 375.70 368.89 309.42 240.92 247.90
Dividends Per Share 187 184 154 156 124
Total Assets 4,586.00B 4,912.79B 5,255.04B 5,299.81B 5,916.86B
Total liabilities 4,165.65B 4,475.55B 4,806.33B 4,875.04B 5,426.86B
Total equity 418,586M 436,051M 448,876M 427,492M 494,547M
Operating cash flow -100,963M 15,507M -6,393M 50,686M -62,758M
 Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021
Revenue 1,117.85M 1,234.21M 1,412.66M 1,665.90M 1,229.94M
Gross Profit -- -- -- -- --
Operating income 490.31M 527.53M 424.80M 392.48M 362.52M
Income before tax 478.00M 522.96M 430.98M 398.47M 367.50M
Net income 404.92M 388.54M 325.80M 258.83M 273.17M
EBITDA -- -- -- -- --
Diluted EPS 3.46 3.32 2.79 2.21 2.33
Dividends Per Share 1.72 1.66 1.38 1.43 1.16
Total Assets 41,155.94M 46,194.55M 47,477.51M 49,092.81M 53,546.30M
Total liabilities 37,383.59M 42,083.28M 43,423.57M 45,158.14M 49,111.85M
Total equity 3,756.49M 4,100.14M 4,055.43M 3,959.90M 4,475.53M
Operating cash flow -932.36M 139.91M -57.64M 466.18M -591.73M

Valuation Measures

Mar 2021
PER10.20
ROA0.51%
ROE6.28%
Operating margin29.47%
Profit margin22.21%

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

Shareholders

  • Nomura Asset Management Co., Ltd. (5.9%)
  • Sumitomo Mitsui Trust Asset Management Co., Ltd. (3.3%)
  • The Vanguard Group, Inc. (2.4%)
  • Daiwa Asset Management Co. Ltd. (1.9%)
  • Nikko Asset Management Co., Ltd. (1.9%)
  • BlackRock Fund Advisors (1.7%)
  • Aozora Bank Ltd. (1.3%)
  • JPMorgan Investment Management, Inc. (1.3%)
  • Dimensional Fund Advisors LP (1.2%)
  • BlackRock Japan Co., Ltd. (1.2%)

Contact Details

Related Companies

  • Aqua Master Trust Series 2019-1
  • AZB Funding 12 Ltd.
  • AZB Funding 10 Ltd.
  • Aozora North America, Inc.
  • ABN Advisors Co., Ltd.
  • Aozora Real Estate Investment Advisors Co., Ltd.
  • Aozora Regional Consulting Co., Ltd.
  • AZB Funding 8 Ltd.
  • AZB Funding 11 Ltd.
  • Aozora Corporate Investment Co. Ltd.
  • Aozora Europe Ltd.
  • AZB Funding 9 Ltd.
  • Aqua Master Trust Series 2016-1
  • AZB Funding 7
  • Aozora Bank Ltd. (Grand Cayman)
  • Aozora Bank Ltd. (Singapore)
  • AZB Funding 6
  • AZB Funding 4 Ltd.
  • 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.

Competitors

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