Shinsei Bank

Shinsei Bank is a leading diversified Japanese financial institution providing a full range of financial products and services to both institutional and retail customers based on a three-pillar strategic business model comprising institutional banking, consumer and commercial finance and retail banking. The Bank has total assets of US$104 billion on a consolidated basis (as of December 2007) and a network of 42 outlets that includes 36 Shinsei Financial Centers, 2 Platinum Centers and 4 BankSpots (as of February, 2008) in Japan. Shinsei Bank demands uncompromising levels of integrity and transparency in all its activities to earn the trust of customers, staff and shareholders. The Bank is committed to delivering long-term profit growth and increasing value for all its stakeholders.

Institutional Banking Group

The rapidly changing economic environment is constantly producing new challenges. The Institutional Banking Group of Shinsei Bank has leveraged Shinsei Bank's strongest assets - our people, our customers and our knowledge - to create value-added solutions to meet the challenges facing our corporate and financial institution customers. At Shinsei Bank, we provide innovative products and services through our unique hybrid banking model. Merging our group's relationship management teams with our product development and service teams has given us an edge in delivering solutions to our institutional customers. It has also enabled us to more effectively leverage our expertise in key areas of investment banking, where demand is strong and opportunities are increasing, such as securitization, credit trading, private equity, leveraged finance, non-recourse lending and M&A.

Our strengths create real value for our customers

• Affiliated Securities, Trust, Servicing, and Non-bank subsidiary companies allow us to provide a full range of institutional banking services so our customers can raise and manage funds effectively.
• Solid coordination between relationship managers and product divisions allows us to promptly create tailored solutions to meet our customers’ needs.
• Strong relationships with a broad base of investors and corporate borrowers. Coupled with our global partnerships, these domestic relationships provide excellent distribution and origination opportunities.

Our People

We realize that a valuable point of differentiation for Shinsei will be a motivated, flexible and highly trained workforce. This will lead not only to better work productivity but also to higher retention and a more satisfied staff. Shinsei Bank has a range of innovative programs that we offer to attract and retain the brightest and best employees for our future growth. For example in the first phase of our Women’s Leadership Project (2003-2006), we were able to increase our female manager ratio to twenty percent. Over ninety percent of female employees who took maternity and child-care leave at Shinsei Bank have returned to work, and we continue to introduce bold initiatives to promote Shinsei Bank as an employer of choice among professional women. By working with women employees at the Bank, we can develop practices that serve the needs of all our customer demographics.

We continue to invest in a host of educational and training activities for all of our employees. We offer over fifteen thousand classroom hours of training and work on multiple new learning products for our employees in our quest to continually add support to our business needs. Our senior leaders are also involved in sharing tacit knowledge in over thirty presentations and seminars for our employees. Retention of a highly trained and motivated workforce continues to be a real challenge in Japan, and we have introduced clear processes to allow employees to apply for internal job positions with ease. Last year, over ten percent of internal vacancies were filled by our own employees, which provided career path flexibility and learning opportunities for our staff. We continue to promote internal job mobility to retain our brightest talent and to foster opportunities for them to learn from each other and develop long-term careers at Shinsei Bank.