Aozora Bank, Ltd.

Aozora Bank is a 'specialty, investment-banking-oriented' bank (formerly the Nippon Credit Bank). Its defining feature is that it does not maintain an extensive street-level branch network; instead, it operates from about 15 locations and concentrates on the 'Aozora-style investment banking business,' including corporate loans, LBO financing, structured finance, renewable energy financing, and business revitalization. It is a lean organization focused primarily on corporate and investment banking, making it very different from an ordinary retail regional bank. Its headquarters are in Kojimachi, Tokyo.