Financial Highlights

Shinsei Bank, Limited, and Consolidated Subsidiaries
For the fiscal years ended March 31, 2006, 2007 and 2008 (1)

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Net Income and Roe, Total Assets and ROA
  Billions of yen
  2006 2007 2008
For the fiscal year:
Net interest income
Net fees and commissions
Net trading income
Net other business income
Total revenue
Net income (loss)
Cash basis net income (2)
¥ 82.2
45.4
27.5
118.0
273.4
76.0
101.9
¥ 95.4
46.4
17.8
96.6
256.3
(60.9)
35.3
¥ 137.7
40.8
9.0
74.9
262.6
60.1
71.3
Balances at fiscal year-end:
Securities
Loans and bills discounted
Total assets
Deposits and negotiable certificates of deposit
Debentures
Total liabilities
Total equity (3)
Total liabilities and equity
1,494.4
4,087.5
9,405.0
4,071.7
1,018.9
8,287.8
-
9,405.0
1,854.6
5,146.3
10,837.6
5,420.9
703.2
9,904.4
933.2
10,837.6
1,980.2
5,622.2
11,525.7
5,806.6
662.4
10,560.5
965.2
11,525.7
  Yen
Per share data:
Common equity (3)
Fully diluted equity (3) (4)
Basic net income (loss)
Diluted net income
Dividends
¥ 380.20
421.62
53.16
37.75
2.96
¥ 308.60
355.09
(45.92)
—
2.66
¥ 364.35
364.35
38.98
32.44
2.94
Cash basis per share data:
Basic net income
Diluted net income
¥ 72.16
50.55
¥ 23.82
18.41
¥ 46.31
38.50
  %
Ratios:
Return on assets (5)
Return on equity (fully diluted) (3) (6)
Expense-to-revenue ratio (7)
Ratio of non-performing claims to total claims, non-consolidated
Tier I capital ratio
Total capital adequacy ratio
0.8
9.3
50.0
1.0

10.3
15.5
(0.6)
(8.1)
58.6
0.5

8.1
13.1
0.5
8.8
60.4
1.0

7.4
11.7
Notes:
(1) Since all yen figures have been truncated rather than rounded, the totals do not necessarily equal the sum of the individual amounts.
(2) Cash basis net income is calculated by excluding impairment and amortization of goodwill and other intangible assets, net of tax benefit, from net income (loss) under Japanese Generally Accepted Accounting Principles (GAAP).
(3) As required by a new accounting standard published by the Accounting Standards Board of Japan (ASBJ), certain items which were previously presented outside of shareholders’ equity are now presented as components of equity. Such items included stock acquisition rights, minority interests and any deferred gain or loss on derivatives accounted for under hedge accounting. This standard is effective for fiscal years ended on or after May 1, 2006. Reclassification of the prior period amounts is not permitted under Japanese GAAP.
(4) Fully diluted equity per share is calculated by dividing equity at the end of the periods presented by the number of common shares that would have been outstanding had all securities convertible into or exercisable for common shares been converted or exercised with an applicable conversion or exercise price within the predetermined range at the end of the period.
(5) Return on assets is calculated by dividing net income (loss) by the average of total assets at the beginning and end of the period presented.
(6) Return on equity (fully diluted) is calculated by dividing net income (loss) by the average of fully diluted equity at the beginning and end of the period presented.
(7) The expense-to-revenue ratio is calculated by dividing general and administration expenses for the period presented by the total revenue such period.

Latest Revision: July 1, 2008

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