Company Profile For Aozora Bank,Ltd.

Aozora Bank, Ltd. (the Bank) is a Japan-based regional bank that provides a range of banking services. The Bank operates in two business divisions. The Banking division is engaged in the provision of banking services, including deposit, loan, domestic and foreign currency exchange, as well as debt services for individual and corporate customers. The Others segment is engaged in the securities business, such as securities trading and securities investment services, as well as the trust business, debt management and collection, venture capital investment, and system development. The Bank has 18 subsidiaries and 19 branch offices..

BRIEF: For the six months ended 30 September 2009, Aozora Bank,Ltd.'s interest income decreased 32% to Y46.41B. The Company's net interest income after LLP totaled Y23.15B, vs. a loss of Y4.71B. Net income totaled Y6.46B, vs. a loss of Y28.04B. Net interest income reflects decreased interest & dividend on marketable securities, offset by higher interests on deposits. Net income benefits from the presence of Y414M gain on recovery of bad debts.