3,049
+3.04%
Close of 9 Nov 2026, in JPY
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About Aozora Bank
Its shares trade on Tokyo Stock Exchange under the ticker 8304.T. It has been listed since 14 November 2006. In the fiscal year to 31 March 2025, it reported revenue before interest expense of ¥231.64bn and net income of ¥20.52bn. At that date it held total assets of ¥7.76trn and shareholders' equity of ¥451.42bn.
Aozora Bank, Ltd. engages in the provision of financial products and services. The company is headquartered in Chiyoda-Ku, Tokyo-To. The company went IPO on 2006-11-14. The Bank operates in two business segments. The Banking segment is engaged in the provision of banking services, including deposit, loan, domestic and foreign currency exchange, securities investment business, as well as debt services. The Others segment is engaged in the securities business, as well as the trust business, financial products trading, debt management and collection, investment operation and investment advisory businesses.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 14 Nov 2006
- Employees
- 2,268
- Website
- aozorabank.co.jp ↗
Leadership
Pay as last reported
- Mr. Koji YamakoshiChairman of the Board, Executive Officer, since 2012
- Mr. Hideto OomiPresident, Chief Executive Officer, Executive Officer, Representative Director
- Mr. Takashi KatoChief Financial Officer, Senior Managing Executive Officer, Director
- Mr. Hiroki NakazatoManaging Executive Officer, Chief Director of Business Finance, Chief Director of Environment Business
- Mr. Kouji IgarashiExecutive Officer, Chief Director of Real Estate Finance
- Mr. Toru TakahashiSenior Managing Executive Officer, Chief Technology Officer
- Mr. Masaki OnumaSenior Managing Executive Officer, Chief Risk Officer
- Mr. Kosuke TakaiExecutive Officer, Chief Credit Risk Officer
- Mr. Masayoshi OharaVice President, Executive Officer, Representative Director
- Mr. Kazuhiro YasudaManaging Executive Officer, Chief Director of Business Corporation Sales
- Mr. Tetsuji OkudaManaging Executive Officer, Chief Director of Market
- Mr. Jun ShinozakiManaging Executive Officer, Chief Director of Corporate Business
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 80
- Environment
- 99
- Social
- 59
- Governance
- 83
- Direct emissions (scope 1)
- 95 t
- Energy emissions (scope 2)
- 3,701 t
- Value chain emissions (scope 3)
- 14,132 t
- Women in the workforce
- 47%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Strong financial position: Aozora Bank Ltd boasts a robust financial position, enabling it to finance its operations effectively and pursue growth opportunities.
- Extensive experience: The bank has a long-standing presence in the industry, allowing it to leverage its experience and in-depth knowledge to deliver quality financial services.
- Diversified product portfolio: Aozora Bank offers a wide range of financial products and services, catering to various customer needs, including retail banking, corporate banking, and investment banking.
- Technological capabilities: The bank has invested in advanced technological infrastructure, enabling efficient operations, enhanced customer service, and digital banking solutions.
Weaknesses
- High competition: Aozora Bank operates in a highly competitive market with other well-established financial institutions posing a challenge to its market share and profitability.
- Geographic concentration: The bank is primarily focused on the Japanese market, which may limit its growth opportunities and make it vulnerable to localized economic fluctuations.
- Overdependence on interest income: A significant portion of Aozora Bank's revenue comes from interest income, making it susceptible to interest rate fluctuations and changes in lending practices.
- Limited brand recognition: Compared to larger domestic and international banks, Aozora Bank has relatively lower brand recognition, which may impact its ability to attract and retain customers.
Opportunities
- Growth potential in digital banking: The increasing adoption of digital banking provides an opportunity for Aozora Bank to enhance its online presence, develop innovative digital products, and reach a broader customer base.
- Expansion into untapped markets: Aozora Bank can explore opportunities for expansion beyond Japan, potentially entering new markets or targeting specific customer segments to diversify its revenue streams.
- Collaborations and partnerships: Forming strategic alliances with fintech companies or other financial institutions can help Aozora Bank leverage new technologies, access new customer segments, and enhance its competitive position.
- Regulatory changes: Favorable regulatory changes or initiatives aimed at fostering competition and innovation in the banking industry can provide Aozora Bank with favorable operating conditions and growth prospects.
Threats
- Economic downturns: Aozora Bank is exposed to economic downturns, which can negatively impact loan quality, profitability, and overall financial performance.
- Regulatory compliance: Stringent regulations and compliance requirements in the banking industry may increase operational costs and restrict the bank's flexibility in product development and market expansion.
- Cybersecurity risks: Financial institutions, including Aozora Bank, face the constant threat of cyberattacks, which can lead to financial loss, reputational damage, and potential liability.
- Changing customer preferences: Shifts in customer preferences or demands for alternative banking services, such as fintech innovations or non-traditional financial providers, may pose a challenge to Aozora Bank's traditional banking model.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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