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Founded Year




Date of IPO


About Aozora Bank

Aozora Bank (TYO: 8304) is a commercial bank in Japan.

Aozora Bank Headquarter Location

6-1-1 Kojimachi, Chiyoda-ku

Tokyo, 102-8660,


Latest Aozora Bank News

AOZORA BANK, LTD. Annual Report (Integrated Report) 2021: Reference Part

Aug 30, 2021

08/30/2021 | 11:32am EDT Message : Executive Officers・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 85 Management Support and Reinvigoration of Regional Economies・・・ 89 Risk Governance・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 90 CONSOLIDATED FINANCIAL REVIEW Analysis of Business Results・・・・・・・・・・・・・・・・・・・・・・・・・・・ 117 Analysis of Financial Condition・・・・・・・・・・・・・・・・・・・・・・・・・ 119 CONSOLIDATED FINANCIAL STATEMENTS Consolidated Balance Sheet・・・・・・・・・・・・・・・・・・・・・・・・・・・ 121 Consolidated Statement of Income・・・・・・・・・・・・・・・・・・・・・・ 122 Consolidated Statement of Comprehensive Income・・・・・・・ 122 Consolidated Statement of Changes in Equity・・・・・・・・・・・・ 123 Consolidated Statement of Cash Flows・・・・・・・・・・・・・・・・・・ 124 Notes to Consolidated Financial Statements・・・・・・・・・・・・・ 125 INDEPENDENT AUDITOR'S REPORT・・・・・・・・・・・・・・・・・・・・ 170 INCOME ANALYSIS (Consolidated) Interest-EarningAssets and Interest-BearingLiabilities・・・・ 175 Fees and Commissions・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 175 Gains on trading account transactions・・・・・・・・・・・・・・・・・・・ 175 Other Ordinary Income・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 175 Non-Consolidated Information Non-Consolidated Statement of Income (Unaudited)・・・・・・ 178 Non-Consolidated Statement of Changes in Equity (Unaudited)・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 179 Interest-Bearing Liabilities, Net Yield/Interest Rate・・・・・・・ 180 Average Balance of Interest-Earning Assets and Interest-BearingLiabilities・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 181 Analysis of Interest Income and Interest Expenses・・・・・・・・ 182 Fees and Commissions・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 183 Gains on trading account transactions・・・・・・・・・・・・・・・・・・・ 183 Other Ordinary Income・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 184 General and Administrative Expenses・・・・・・・・・・・・・・・・・・・ 184 DEPOSIT OPERATIONS (Non-Consolidated) Balance of Deposits・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 185 Balance of Time Deposits by Residual Period・・・・・・・・・・・・ 186 Balance of Deposits by Depositor・・・・・・・・・・・・・・・・・・・・・・ 186 Deposits per Office・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 186 Deposits per Employee・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 186 LOAN OPERATIONS (Non-Consolidated) Balance of Loans・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 187 Balance of Loans by Residual Period・・・・・・・・・・・・・・・・・・・・ 187 Ratio of Loans and Bills Discounted to Debentures/Deposits・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 187 Loans per Office・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 187 Loans per Employee・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 188 Loans to Small and Medium-SizedEnterprises (SMEs)・・ 188 Consumer Loans Outstanding・・・・・・・・・・・・・・・・・・・・・・・・・・ 188 Breakdown of Loans and Bills Discounted by Industry・・・・・ 189 Risk-MonitoredLoans by Industry・・・・・・・・・・・・・・・・・・・・・・・ 189 Balance of Loans and Bills Discounted, Classified by Purpose・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 190 Breakdown of Balance of Acceptances and Guarantees・・・ 190 Breakdown of Loans and Bills Discounted by Collateral・・・・ 190 Breakdown of Collateral for Customers' Liabilities for Acceptances and Guarantees・・・・・・・・・・・・・・・・・・・・・・ 190 Write-Offof Loans・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 190 Allowance for Loan Losses・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 191 Country Risk Reserve・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 191 Disclosed Claims under the Financial Reconstruction Law・・・・ 191 Risk-MonitoredLoans・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 192 Reserve Ratios for Each Category of Borrower, Based on Asset-Assessments・・・・・・・・・・・・・・・・・・・・・・・・・ 192 Asset-Assessment, Disclosed Claims, Write-Offs, Reserves and Risk-Monitored Loans・・・・・・・・・・・・・・・・・・・ 193 SECURITIES (Non-Consolidated) Balance of Securities Held・・・・・・・・・・・・・・・・・・・・・・・・・・・・ 194 Balance of Securities by Residual Period・・・・・・・・・・・・・・・・ 194 Ratio of Securities to Debentures and Deposits・・・・・・・・・・・ 194 SECURITIES BUSINESS (Non-Consolidated) Securities Investment Trusts・・・・・・・・・・・・・・・・・・・・・・・・・・ 195 INTERNATIONAL OPERATIONS (Non-Consolidated) Foreign Exchange Transactions・・・・・・・・・・・・・・・・・・・・・・・・ 196 Balance of Assets in International Operations・・・・・・・・・・・・ 196 TRUST BUSINESS OPERATIONS (Non-Consolidated) Statement of Trust Assets and Liabilities・・・・・・・・・・・・・・・・・ 197 Balance of Money Trusts under Management・・・・・・・・・・・・ 197 Balance of Securities Related to Money Trusts・・・・・・・・・・・ 198 Balance of Principal of Money Trusts by Trust Period・・・・・・ 198 Balance of Loans and Securities Held in Money Trust by Type・・ 198 CAPITALIZATION (Non-Consolidated)

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