Aozora Bank, Ltd. is a Japan-based commercial bank headquartered in Tokyo. The institution traces its roots to Nippon Credit Bank, founded in 1957 to support post-war reconstruction financing. Following a government-led restructuring in the late 1990s to address non-performing loans, the bank was privatized and rebranded as Aozora Bank in 2000. It is publicly traded in Japan and makes its shares available to international investors over the counter under the symbol AOZOY.
The bank’s core business centers on corporate and institutional banking, with a focus on loan syndications, asset-backed financing, project finance, and structured products. Aozora Bank has developed expertise in securitization transactions and advisory services, serving a diverse client base that includes mid-sized enterprises, large corporates and financial institutions. Its corporate banking division offers tailored funding solutions, cash management and trade finance services.
In addition to its corporate franchise, Aozora Bank provides a range of retail and wealth management products. These include deposit accounts, consumer loans, mortgages and credit card services. The bank also offers trust and custody services, asset management products and tailored investment solutions designed to meet the needs of individual and institutional investors.
While maintaining an extensive domestic branch network covering key regional markets in Japan, Aozora Bank has established overseas offices to support its international business activities. These include representative offices and branches in major financial centers across Asia and North America, enabling the bank to facilitate cross-border transactions and serve clients with global financing requirements.
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