Subsidiaries and Affiliated Companies

Major Domestic Subsidiaries

Location	Tokyo, Japan
TEL	03-4284-1111
Overview	Since its foundation in 1969, Showa Leasing Co., Ltd. has contributed to improving the financial situations of its corporate customers and the modernizing of their facilities through the leasing business. After joining the Shinsei Bank Group in 2005, the company has looked to further improve customer satisfaction levels and nurture the trust customers place in it by offering diverse financial solutions that leverage the strengths of the Shinsei Bank Group. In recent years, the company has entered alliances with companies with a high level of expertise to promote businesses specializing in particular areas or markets, such as the renewable energy and semiconductor businesses. In addition, it has been working to enhance cooperation with regional financial institutions and their customers. Furthermore, it focuses on finding new areas that are expected to grow in the future such as highly-functional assistive products/equipment (e.g. wheelchairs, hearing aids, etc.), next-generation advanced technologies, and on developing products and services to expand such markets. Showa Leasing comprehensively supports all types of capital investment including information technology equipment, industrial machinery, machine tools, construction machinery, medical equipment, commercial facilities, and airplanes. Moreover, it offers solutions for strengthening financial foundation and risk management, one-stop services concerning the disposal of unnecessary personal properties, and sales promotion programs for manufacturers and retailers.
URL	http://www.s-l.co.jp/english/
Main business	Leasing

Location	Tokyo, Japan
TEL	03-6880-6200
Overview	Shinsei Trust and Banking Co., Ltd. supports every aspect of structured and securitized transactions. From the provision of trust services and transaction management through master servicing and advisory services, Shinsei Trust can add value and provide solutions for both repeat issuers and the most complex of new issues. As a "new-paradigm" trust bank, Shinsei Trust's products and services are based on the latest structured finance and trust technology combined with market expertise provided by professionals who have been active in the area of trust and servicing solutions.
URL	http://www.shinseitrust.com/(Japanese version only)
Main business	Trust banking

Location	Tokyo, Japan
TEL	03-6880-6000
Overview	Shinsei Securities Co., Ltd., a fully owned subsidiary of Shinsei Bank, is a wholesale securities house focused on the distribution of securitized instruments, structured bond sales and bond underwriting. Shinsei Securities has led the securitization business based on a wide variety of securitization transactions including residential mortgages, corporate loans, consumer loans and lease loans. Its total volume of the securitization business in 2011 was 233 billion yen. The company was ranked third among underwriters league table of asset-backed securities except Japan Housing Finnace Agency RMBS in 2011. Shinsei Securities distributes structured bonds to retail customers by Shinsei Bank's intermediacy (Chukai) besides corporate customers.
URL	http://www.shinsei-sec.co.jp/en/
Main business	Securities

Location	Tokyo, Japan
TEL	03-6880-6400
Overview	Shinsei Investment Management Co., Ltd. is a fully owned asset management subsidiary of Shinsei Bank, which opened for business in April 2003. Leveraging the Shinsei Bank Group's neutral and independent global network, Shinsei Investment Management functions as an "investment product provider," offering access to a carefully selected range of investment products from around the world in order to meet the various investment needs of customers. In choosing investment institutions and funds, Shinsei Investment Management places utmost importance on selection, in-depth due diligence, and performance evaluation.
URL	http://www.shinsei-investment.com/en/
Main business	Investment trust and discretionary investment advising

Location	Tokyo, Japan
TEL	03-6860-9660
Overview	Shinsei Corporate Investment provides investment services to customers, focusing on venture and buy-out investments. Venture Investment We provide capital investment in the form of equity investment up to a maximum of 5% of voting rights to customers considering an Initial Public Offering (IPO). Our team offers solutions to fulfill the needs of customers looking to face challenges such as the following: Companies considering raising capital for growth through the issuance of equity Companies considering changes in ownership structure such as the replacement of current owners Our team looks to be a partner to our customers, contributing to their growth through the provision of financial support. Additionally, by leveraging our extensive domestic and global networks, we do not only invest in its customers, but look to provide business solution services that further support the growth of the businesses of customers. We provide pre-IPO investment for domestic enterprises in the mid to later stages of the IPO process. However, we also consider the provision of capital to customers outside of these stages depending upon the customer's development stage and industry via the establishment of a joint fund that is specialized for the customer's external partners and industry, through which the Bank actively provides risk money. Buy-out Investment The Buyout Investment Team at Shinsei Corporate Investment utilizes its own funds and provides "hands-on" management support to small and medium sized enterprises with business succession needs. Our potential customers would include but are not limited to customers with the following needs: Enterprises in need of a successor to manage their business but do not have strong candidates either within the company or amongst relatives, and require additional time to raise a successor Enterprises seeking a trustworthy partner that will buy and hold company shares while making the business grow together As a general rule, we require a majority ownership stake in the enterprise it is investing in via a fund structure. Shinsei Corporate Investment will then work to add value to and increase the enterprise's total value by dispatching professionals to the enterprise in order to assist in the restructuring of management, refining business growth strategies and executing business plans.
URL	http://www.shinsei-ci.com/en/
Main business	Investment

Location	Tokyo, Japan
TEL	03-6859-3900
Overview	As a member of Shinsei Bank Group, Shinsei Investment & Finance offers creative and productive services to enhance customer experience. Real Estate Mortgage Loan Our long history and expertise in the real estate mortgage business enables us to accommodate and cater to various client financing demands. Working capital/facilities/equipment funds for SMEs To purchase primary residence, properties-to-let and other investment real estates Acquisition, renovation, project funding for real estate related businesses and developers We also support the growing inbound market in offering accessible services for both domestic and overseas investors. Tailor-made Real Estate Finance Tailor-made Real Estate Finance Team is dedicated to serve value-added and unique made-to-order services to clients with diverse demands. Large projects and short-term bridge financing Real estate related businesses and developers project financing Purchase and resale businesses and projects Real Estate M&A, etc.
URL	Services available in English https://www.shinsei-if.com/en/
Main business	Mortgage finance business and real estate investment business

Alpha Servicer Co., Ltd.

Location	Tokyo, Japan
TEL	03-5324-5621
Overview	Alpha Servicer Co., Ltd. (hereinafter, ???Alpha Servicer???) is a servicer licensed by the Minister of Justice based on the Act on Special Measures Concerning Claim Management and Collection Businesses (Servicer Act) (Minister of justice Permission No.101). The company merged with Shinsei Servicing & Consulting Limited (hereinafter, ???Shinsei Servicer???) in October 2017, consolidating Alpha Servicer???s function focusing on servicing small loans to individual borrowers (primary servicing) and Shinsei Servicer???s function focusing on servicing non-performing loans and loans commercial secured loans (special servicing). Through the merger, as the Shinsei Bank Group???s general servicer leveraging the strengths of the two companies, Alpha Servicer will operate the servicing business more efficiently by collectively handling NPLs (non-performing loans) and SPLs (specialized loans) of the Group. The company will also offer more optimized servicing by responding to the various needs of the originators (creditors) including financial institutions.
URL	http://www.alpha-servicer.co.jp/(Japanese version only)
Main business	Servicing

Location	Tokyo, Japan (Tokyo Office)
Overview	APLUS Group is a major consumer finance subsidiary group of the Shinsei Bank Group. APLUS Co., Ltd. is a core company, engages in businesses such as shopping credit, credit cards, and settlements, and a holding company. As a link connecting customers, tie-up partners, and manufacturers, the APLUS Group offers high value-added financial services, through which we contribute to our customers' wealth and well-being.
URL	https://www.aplus.co.jp/
Main business	Installment credit

Location	Tokyo, Japan
Overview	Shinsei Financial Co., Ltd. provides personal loan services as a member company of the Shinsei Bank Group. The company also offers its expertise and IT systems to regional financial institutions which have credit guarantee tie-up relationships with Shinsei Bank, and we assist them in expanding their personal loan businesses with the aim of developing products that further satisfy their customers' needs and exercising their finely-tuned credit management. We provide customer-centric services with the utilizing the company's high quality customer research and product development expertise, its process management technologies developed through experience, and state-of-the-art IT. Furthermore, we keep a focus on strong compliance awareness and internal control frameworks as an essential part of day to day activities of our employees.
URL	https://www.shinseifinancial.co.jp/company/ (Japanese version only)
Main business	Finance

Location	Tokyo, Japan
Overview	Shinsei Personal Loan offers personal loans to consumers. Founded in 1954 in Himeji City, Hyogo prefecture, we have long been offering our customers comprehensive financial services. In 2016, we changed our corporate name in order to maximize synergy with the Shinsei Bank Group as a whole. Placing "creation of the most trustable non-bank financial institution" as a center of our corporate mission, we aim to grow together with all of our stake holders and build on our trust with them. With this management principle in mind, we regard compliance as one of our most important challenges. Our corporate action guidelines include our complying with related laws and regulations in good faith and taking actions based on social norms.
URL	https://noloan.com/corporate/ (Japanese version only)
Main business	Financing for individuals and small businesses

Financial Japan, Co., Ltd.

Location	Tokyo, Japan
Overview	Financial Japan, Co., Ltd. was founded in 2013 as an independent agent, which is an insurance agent that sells insurance policies provided by several different insurance companies, i.e. 27 life insurance companies and 12 non-life insurance companies. We offer a wide range of insurance products in accordance with needs and preferences of corporate clients and individual customers through home visits. We joined in the Shinsei Bank Group (the ???Group???) May 2019 as a wholly-owned subsidiary of Shinsei Bank aiming to grow further by using the resources and strong brand of the Group to respond to diversified customer needs. Specifically, we are expanding partners for joint insurance solicitation by using the Group???s network, offering life-planning services at Shinsei Bank branches, and we started to offer Shinsei Bank???s residential loan as an intermediary in November 2020 and are trying to deepen our cooperation with the Group.We continue to promote initiatives for broadly offering highly-value-added products and services. In order to support building customers??? financial assets, we will contribute to sustainable growth and development of society and economy by ensuring customer-oriented business operations.
URL	https://financialjapan.jp/ (Japanese version only)
Main business	Life and non-life insurance business

Location	Tokyo, Japan
TEL	03-6626-2847(Business Hours: 11a.m.-4p.m. weekdays)
Overview	Zenkoku Rent Guarantor Service Co., Ltd. offers a rent guarantor service for rental properties. The company was founded in 2008 and joined the Shinsei Bank Group in September 2019. We provide a framework where both tenants and management companies sign a contract at ease by offering high-quality rent guarantor services using the Shinsei Bank Group's resources, networks and brand power. We will also contribute to realizing a rich society through our services.
Main business	Rent Guarantee Business

Major Overseas Subsidiaries

Location	43 London Wall, London EC2M 5TF, U.K.
Main business	Securities

UDC Finance Limited

Location	Ground floor, ANZ Centre, 23-29 Albert Street, Auckland, 1010 New Zealand
Overview	UDC Finance is the largest non-bank financial institution in New Zealand and focuses on providing asset-backed finance for individuals and companies, to enable them to purchase the assets they need to progress and grow. We have a focus on enabling mobility, supporting a lower carbon economy and improving sustainability through electrification, efficiency and automation.
URL	https://www.udc.co.nz/
Main business	Auto loans for individuals Asset-backed financing for corporate clients (logistics, forestry, construction companies, etc.) Inventory financing for automobile dealers

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