Our Growth Strategy: Leveraging Technology to Accelerate the Pace of Innovation at an Unrivaled Speed
December 11, 2025
Takehito Kaneko, Chairman and Representative Director
Takehito Kaneko
Chairman and Representative Director of GMO Aozora Net Bank, Ltd.
1986
Joined IBM Japan
2010
Seconded to International Business Machines (IBM) U.S.A. as Vice President in charge of financial systems business and business development
2011
Senior Managing Executive Officer, IBM Japan, responsible
for software and global technology services
2017-
Chairman and Representative Director of Aozora Trust Bank (currently, GMO Aozora Net Bank)
Personal Introduction
- Focus on corporate customers (especially, start-ups and SMEs)
A growing volume of small-sized transactions as a key driver of our business model focused on non-interest income
- "Technology" and "Innovation" as key drivers to
Achievement of sharply accelerating growth and high capital efficiency
Today's summary
Higher business growth from the business relaunch phase
14,000
CAGR: +61%
Positive net income
12,000
10,000
8,000
6,000
4,000
2,000
Business launch
Relaunch of business
0
-2,000
2018 2019 2020 2021 2022 2023 2024 2025
-4,000
(単位：百 万円)
-6,000
業務粗 利益
Net revenue
Net
revenue
Business
業務純 益
profit
Net
最終利 益
Net income
income
(unit: million yen)
（組 込
BaaS金融サービス）
Three key strategies for the business relaunch
Bank among Small Businesses and Start-ups
Embedded Finance
型 Services (BaaS)
Tech-first Banking Services
The first internet bank focused on corporate customers
Approaches from competing banks
Megabanks Regional banks
Our focus areas of business
Major firms
(12k companies)
SMEs & small companies
Shinkin
banks
(3,800k companies)
Start-ups
(new 10k companies/month)
Independently operated companies & sole proprietors (1,800k companies)
Family operated businesses (up to 2,000k companies)
Stable increase in the number of customers
Largest number of new corporate account openings per month
Customers' growth
(small-sized fees)
Customer attrition rate: Below 5% per annum
Results: Increase in deposit balances
Corporate settlement accounts
Deposit balances exceed 1 trillion yen
(June 2025)
Number of corporate accounts
Number of transfer transactions with corporate customers
Deposit balances
(thousand)
(100 million yen)
2;00, 000
2Ex0cVeeAd
accounts
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
projection
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
projection
FY2020
FY2021
FY2022
FY2023
FY2024 FY2025
projection
Continued growth of small-sized fee business
(a key driver of our business model focused on non-interest income)
＼An increasing number of companies chose an internet bank as their main bank／
No.1!
Tokyo Shoko Research
Survey covering 1,605,166 companies in Japan on their "main bank"
Year-on-year increase ranking for main banks chosen by customers
Tokyo Shoko Research's 2025 survey covering 1,605,166 companies in Japan on their "main bank" released on August 15, 2025
https://www.tsr-net.co.jp/data/detail/1201661_1527.html (Japanese only)
Rank order | Last year | Name of financial institutions | 2025: Number of companies | 2025: Year-on-year change | 2024: Number of companies | 2024: Year-on-year change | |
1 | ↖ | - | GMO Aozora Net Bank | 1,958 | 120.00 ％ | 890 | 118.67％ |
2 | ← | 2 | SBI Sumishin Net Bank | 1,750 | 51.12 ％ | 1,158 | 37.52 ％ |
3 | ↖ | 4 | PayPay Bank | 1,958 | 18.66 ％ | 1,650 | 13.55 ％ |
4 | ↓ | 3 | Rakuten Bank | 2,157 | 16.91 ％ | 1,845 | 14.81 ％ |
"Most-chosen Main Bank" in terms of a year-on-year increase for two years in a row, as surveyed by Tokyo Shoko Research
Engineers account for 40% of our officers and employees
Become an engineer-first company!
A bank led by a group of engineers
Staff who
are engineers
Unrivaled Technology and development speed
Ability to offer new ideas that address the pain points and needs of customers by leveraging our expertise
Aim to exceed 60%
"In-house systems development" that supports our business model
Corporate accounts
Pioneering approaches as an internet bank
First internet bank to extensively support direct debits
Direct payment services for Pay-easy (online method to pay taxes, etc.)
Service available from April 1, 2024 (Mon.)
Direct-debit service that automatically pays your taxes, social insurance premiums, etc.
Treasury funds,
social insurance premiums, etc.
Easy payment from your home or office
(1) (2)
Request for transfer payment
Customer's
account
(3)
Direct debit
Receiving agents
Customer
Free of charge in principle!
Application for account transfer (paper/online)
Same-day payment Free of delivery at the earliest charge
Service available 24-7-365
Launch of the Wise Platform overseas remittance service for corporate customers
GMO Aozora Net Bank
Overseas remittance
(for corporate customers)
powered by Wise
3 features!
Overseas remittance focused on price competitiveness, speed, and convenience
"Innovation" that supports our business model (1)