Our Business and Strategy

About Shinsei Bank

Shinsei Bank is a leading diversified Japanese financial institution providing a full range of financial products and services to both institutional and individual customers. The Bank has total assets of 12.1 trillion (US$135.7 billion) on a consolidated basis (as of September 2009) and a network of 40 outlets that includes 31 Shinsei Financial Centers and 9 Consulting Spots in Japan (as of February 1, 2010). 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 Group

The Institutional Group is engaged in a strategic transformation to position customers and their needs back at the center of our business model. We have terminated proprietary investment programs responsible for losses in recent years, continued to clean up our balance sheet, and exited or scaled down unprofitable businesses. Extensive restructuring has improved efficiency and reduced our expense base, but not at the cost of retaining key talent in our core competencies. The current economic environment demands continued vigilance. But with ample liquidity, we have the resources and expertise to support our customers through these testing times. And by aligning our success with theirs, we are confident of maintaining solid profitability in the mid-term.


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Institutional Group Chart

See also…
bullet The Institutional site for Shinsei Bank’s services to institutional customers

Individual Group

Combining the award-winning retail bank with our consumer finance subsidiaries, Shinsei’s Individual Group brings innovative financial solutions to over 6 million active customers in Japan. Ever alert to changing customer needs, our retail bank is successfully shifting focus from deposits to asset management. A strong increase in assets under management has helped diversify revenue composition and proven the strength of our franchise. In consumer finance, “grey zone” interest refund claims remain high, although we have seen indications of a downward trend, underscoring the importance of the indemnity on our biggest consumer loan portfolio. We are accelerating the integration of Shinsei Financial and Shinki, both now wholly owned Group subsidiaries, to consolidate our position as a major player in the personal loan space. Positioning installment sales and settlement as strategic businesses, APLUS continues to shrink its cost base and unlock new revenue potential.


Click on the image to see the enlarged version.

Individual Group Chart

See also…
bullet The Retail site for Shinsei Bank’s services to individual customers

Latest Revision: February 1, 2010

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