Aozora Bank, Ltd.
8304・Prime Market・Banks
Corporate Banking Group
Core segment handling corporate lending, M&A, and specialty finance for business corporations
| Period | Current | Previous | Change |
|---|---|---|---|
| Consolidated gross profit | ¥61,178 million | ¥50,320 million | ↑ |
| Business profit | ¥61,754 million | ¥49,756 million | ↑ |
| Consolidated net operating profit | ¥38,637 million | ¥27,761 million | ↑ |
| Expenses | ¥23,116 million | ¥21,994 million | ↑ |
| Segment assets | ¥2,940,409 million | ¥2,594,148 million | ↑ |
| Segment liabilities | ¥393,056 million | ¥367,525 million | ↑ |
| Gains/losses related to stocks and other securities | ¥575 million | -¥564 million | ↑ |
Business Details
Comprised of the Corporate Business Group, M&A Advisory Group, Business Finance Group, Environmental Business Group, Special Situations Group, and Real Estate Finance Group. Engages in highly specialized financial businesses including lending, deposits, and financial product sales for corporate clients centered on business corporations, private equity investment, M&A-related business, acquisition finance, environment-related project finance, restructuring finance, and domestic real estate finance. This category was newly established from FY2026 (ending March 2026) as part of the reorganization from the former 6-segment structure to a 4-segment structure.
Recent Overview
Investment Banking Unit achieved significant profit growth year-on-year, becoming the group's largest profit-contributing segment
From FY2026 (ending March 2026), the former 6 segments including the "Corporate Banking Group" were reorganized into 4 segments, launching as the Investment Banking Unit. Consolidated gross profit rose significantly to ¥61,178 million (up ¥10,858 million year-on-year), and consolidated net operating profit rose to ¥38,637 million (up ¥10,876 million year-on-year). Segment assets also expanded to ¥2,940,409 million (up ¥346,261 million year-on-year). This has become the core segment accounting for approximately 85% of the group's overall consolidated net operating profit of ¥45,700 million.
Key Products
Growth Drivers
- Increase in non-interest income such as LBO finance fees driven by an active M&A market resulting from corporate governance reform
- Expansion of net interest income through normalization of yen interest rates and growth in domestic loan balances
- Expansion of segment assets through accumulation of lending to business corporations (up ¥346,261 million year-on-year)
- Growing demand for environment- and renewable energy-related project finance
- Differentiation through highly specialized financial businesses such as Special Situations and restructuring finance
Risks
- Credit risk associated with credit extension such as LBO finance (potential for provisions for credit losses and loan write-offs)
- Risk of the active M&A market contracting due to economic downturn or financial market instability
- Risk of rising funding costs pressuring net interest income amid rising interest rates
- Reduced comparability due to changes in internal management and performance evaluation methods resulting from segment reorganization (from 6 to 4 categories)
- Risk of increased credit costs in the event of real estate market deterioration, given the expansion of real estate finance balances
Last updated: June 17, 2026