Company Profile

2017

4-3, Nihonbashi-muromachi 2-chome,Chuo-ku, Tokyo 103-8303, JapanTEL: 81-3-6880-7000

URL: http://www.shinseibank.com

SHINSEI BANK GROUP’S BUSINESS PROFILE

Innovative Financial Services via Integration of Many Group CompaniesOffering innovative financial services, the Shinsei Bank Group has integrated many Group companies with a broad spectrum of financial functions from banking to unsecured loans to individuals, shopping credit and other credit businesses, leasing, securities, and trusts.

Real estate-backed loans

Investments, Servicers Leases

Credit guarantees

Securities

Asset management

Trusts

Unsecured card loans to individuals

Shopping credit, Credit cards

Securities operations

Domestic subsidiaries Overseas subsidiaries*1 As October 1, 2017, Shinsei Property Finance Co., Ltd. merged with Shinsei Investment & Finance Limited.*2 As October 1, 2017, Shinsei Servicing & Consulting Limited merged with Alpha Servicer Co., Ltd.

*2

*1

GlobalMarkets

IndividualBusiness

InstitutionalBusiness

(ZEN-NICHI SHINPAN)

1

CEO MESSAGETo Our Shareholders, Customers and Employees

Based on an overall strategy for value creation from Group

integration and the application of “selection and concentration”

tests to our businesses as well as synergy creation from

integrating business management functions, the Shinsei Bank

Group is achieving reliable growth in the growth areas of the

Third Medium-Term Management Plan (Third MTMP), which

began in fiscal year 2016. At the same time, from settlements

and SME* solutions, two strategic initiative areas, to business

succession and support for closing down and restructuring small

businesses, businesses in the Shinsei Bank Group are moving

ahead with the provision of new products and services by fully

harnessing the knowledge, experiences and network of each

Group company. In asset management consulting for individual

clients, the Shinsei Bank Group is working to offer new products

and services and marketing that leverages artificial intelligence

(AI) and alliances with non-Group companies, and furthermore, to

renew our customer relationship management (CRM) system so

messages can be linked across multiple channels such as the

internet, smartphones, branches and call centers. In business

management, we established in April 2017 the Group

Headquarters, which in effect integrates the head-office functions

of Shinsei Bank and other Group companies at the head office,

with the aim of bolstering Group governance and improving

productivity and efficiency.

* SME = small and medium-sized enterprises

To respond to the expectations of all our stakeholders, including

our clients and shareholders, all members of the Shinsei Bank

Group are coming together as one to advance our businesses.

Going forward, we hope to continue to seek the understanding of

all our stakeholders.

Hideyuki KudoPresident and Chief Executive Officer

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COMPANY HISTORY: TIMELINE OF SHINSEI BANK

2000 Shinsei Bank launched following its renaming from the Long-Term Credit Bank of Japan

2004APLUS Co., Ltd. was renamed APLUS FINANCIAL Co., Ltd. and converted into a consolidated subsidiary(a subsidiary also named APLUS Co., Ltd. was established in 2009)

2005 Showa Leasing Co., Ltd. was converted into a consolidated subsidiary

2007 SHINKI Co., Ltd. (now Shinsei Personal Loan Co., Ltd.) was converted into a consolidated subsidiary

2008 GE Consumer Finance Co., Ltd. (now Shinsei Financial Co., Ltd.) was converted into a consolidated subsidiary

2011 Shinsei Bank (parent) commenced card loan service under the Lake brand

Fiscal Year 2016

Fiscal Year 2017

Apr.Commenced Third MTMP

Began offering settlement agent services in Japan for Chinese mobile settlement service WeChat Pay

StrategicInitiative Areas

May Arranged project finance for megasolar facilities in Iwate Prefecture (Ichinoseki City) and Nagano Prefecture (Suwa City)

Growth Areas

Jun.

Named No.1 in the “Internet Banking” category in Oricon Japan Customer Satisfaction Survey

Established SecondXight, Inc. as a Fintech joint venture with Griffin Strategic Partners, Inc. to use artificial intelligence (AI)

Growth Areas

Oct. Launched a vendor leasing business as a collaborative venture between Showa Leasing and APLUS Co., Ltd.

StrategicInitiative Areas

Nov. APLUS Co., Ltd. issued credit cards for high net worth individuals under the “Luxury Card” brand in Japan for the first time as a joint partnership with parent Shinsei Bank, Limited.

Stable Revenue Area

Dec.Showa Leasing Co., Ltd. converted into a consolidated subsidiary

Entered unsecured personal loan market in Vietnam through a joint venture with Military Commercial Joint Stock Bank

Growth Areas

Mar. Spent about ¥2.0 billion to repurchase own shares

Aug.Total number of individual customer bank accounts at Shinsei Bank exceeded three million

Spent about ¥10 billion to repurchase own shares

Jun. Established “the policy on customer-oriented business conduct” and a related “action plan” to focus on providing the best options to its customers

Apr.

Shinsei Bank Group established Group Headquarters

Shinsei Investment Management Co., Ltd. awarded first prize in the global equity fund aggregate category in “R&I Fund Award 2017”

Named No.1 in the “Internet Banking” category in Oricon Japan Customer Satisfaction Survey for a second successive year

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FOUR FEATURES OF SHINSEI BANK’S CORPORATE GOVERNANCE

• Five of the seven directors at Shinsei Bank are outside directors and comprise a majority of the Board of Directors.

• The Bank has maintained a Board structure where outside directors comprise a ma-jority since Shinsei Bank started.

• The Bank has notified the Tokyo Stock Exchange that six of the ten seats on its gov-ernance bodies, including outside members of the Audit & Supervisory Board, satis-fy the independence criteria of securities exchanges for an “independent director.”

• Our directors, including outside directors, attended each meeting of the Board of Di-rectors and engaged in active debate about the bank’s management and operational execution.

• This attendance rate is the average for our directors for meetings of the Board of Directors since the June 2016 general meeting of shareholders.

• The mix of outside directors on our Board is well balanced with deep expertise and extensive experience relating to finance in Japan and overseas, businesses aimed at consumers, risk management areas, and information systems.

• Four of the five outside directors on our Board are or have worked as corporate executives.

• The CEO has been clearly assigned ultimate responsibility for investor relations (IR) activities and performs the core role in our strategic IR execution.

• Our CEO engaged in constructive dialogue with shareholders, investors, and analysts stationed in Japan, North America, Europe, and Asia in fiscal year 2016.

1 2

3 4

Ratio of Outside Directors on the Board of Directors Ratio of Outside Directors with Corporate Executive Experience

No. of IR Meetings where the CEO Met with Shareholders, Investors and Analysts

Attendance Rate for the Board of Directors

100% 105

80%71%

(All Six Meetings)(Total No. of IR Meetings 358)

(Five directors) (Four directors)

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CORPORATE GOVERNANCE STRUCTURE CHART (as of June 22, 2017)

Group Internal Audit Division/Internal Audit Division

General Meeting of Shareholders

1 Audits

Directors/Board of Directors(5 out of 7 Directors are outside Directors)

Develops ManagementStrategy;

Supervises BusinessExecution

Implements ManagementStrategy;

Executes Business

Accounting Auditor

President & CEO

Group Headquarters Business Sections(Shinsei Bank, Subsidiaries)

Chief Officers Head of Executive Officersin Charge

Group Executive Committee/Executive Committee

BusinessExecution

Audit & Supervisory Board Members/Audit & Supervisory Board

(2 out of 3 members are outside members)

1

1

Structure of Board of DirectorsStructure of Board of Directors

Executive Directors(2)

President & CEO Hideyuki Kudo

Deputy President Yukio Nakamura

J. Christopher Flowers

Ernest M. Higa

Shigeru Kani

Jun Makihara

Ryuichi Tomimura

Outside Directors(5)

AppointsAppoints

Appoints Supervises

*See pages 9-11 for profiles of our directors and Audit & Supervisory Board members

INTRODUCTION TO OUR DIRECTORS AND AUDIT & SUPERVISORY BOARD MEMBERS

Hideyuki KudoRepresentative Director, President

Yukio NakamuraRepresentative Director, Deputy President

J. Christopher FlowersDirector,Managing Director and Chief Executive Officer, J. C. Flowers & Co. LLC

Reasons for NominationReflect in the Bank’s management his experience and expertise in the financial service industry as a whole

Ernest M. HigaDirector,Chairman President & Chief Executive Officer,Higa Industries Co., Ltd.

Reasons for NominationReflect in the Bank’s management his experience and deep insight of business for consumers

Attendance rate

100%Attendance rate

100%Attendance rate

100%Attendance rate

100%

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9

Shigeru KaniDirector,Former Director, Administration Department, The Bank of Japan, Specially Appointed Professor, Yokohama College of Commerce

Reasons for NominationReflect in the Bank’s management his expertise in the risk management area and his extensive knowledge concern-ing banking operations

Jun MakiharaDirector,Director, Monex Group, Inc. Director, Philip Morris International Inc.

Reasons for NominationReflect in the Bank’s management his extensive knowledge of finance and his domestic and international experience

Ryuichi TomimuraDirector,Executive Vice President, Representative Director, SIGMAXYZ Inc.

Reasons for NominationReflect in the Bank’s management his extensive experience and wide range of knowledge including information systems as a management executive and a consultant

Shinya NagataAudit & Supervisory Board Member

Kozue ShigaAudit & Supervisory Board MemberLawyer

Reasons for NominationReflect in the Bank’s audit opera-tions her expertise and extensive experience as a lawyer

Michio ShibuyaAudit & Supervisory Board MemberCertified Public Accountant

Reasons for NominationReflect in the Bank’s audit operations his ex-pertise and extensive experience as a certified public accountant, and knowledge regarding corporate governance based on experience as an Audit & Supervisory Board Member at a listed company

INTRODUCTION TO OUR DIRECTORS AND AUDIT & SUPERVISORY BOARD MEMBERS

Attendance rate

100%Attendance rate

100%Attendance rate

100%

Attendance rate

83%Attendance rate

100%Attendance rate

100%

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Shinsei Bank Group has formulated its Third Medium-Term Management Plan for the three-year plan from fiscal year 2016 to fiscal year 2018.

Our Strength: Providing High Value-Added Financial Services Harnessing IT and Financial Technologies

Group Management Infrastructure: Achieve Responsive, Flexible Business Management and Lean Operations throughout the Bank Group

STRATEGY OF THIRD MEDIUM-TERM MANAGEMENT PLAN

Information Technology

Shinsei FinancialShinsei Financial

Showa LeasingShowa Leasing

APLUS FINANCIALAPLUS FINANCIAL

Shinsei Investment ManagementShinsei Investment Management

Shinsei SecuritiesShinsei Securities

Shinsei PI GroupShinsei PI Group

Shinsei Trust & BankingShinsei Trust & Banking

Shinsei BankShinsei Bank

Retail Businesses Leveraging Scientific/Statistical Approaches

Financial TechnologyHigh Added Value Financial Services

Made Possible Through Tailor-Made Services

AssetManagement

Consulting

MarketsSolutions

StructuredFinance

PrincipalInvestments

Multi/OmniChannel

Retail Banking

UnsecuredLoans

SettlementCredit Card

• Flexible and proactive reallocation/optimal use of Group management resources based upon business environment changes and plan progression• Business management framework which enables maximum realization of organization and employee latent potential while eliminating waste

and overextension• Robust Group governance through unified Group management and enhancement of horizontal business functions

Business Areas

Business

Growth AreasAreas in which the Shinsei Bank Group already has competitive advantages and is seen as having strong profit and growth potential.

• Unsecured loans• Structured finance

Stable Revenue AreasAreas in which the Shinsei Bank Group will stably and selectively engage in without being involved in excessive competition.

• Asset management consulting• Corporate market solutions• Shopping credit, credit cards

Strategic Initiative AreasAreas which are expected to deliver future growth and in which the Bank looks to create customer value through groundbreaking innovations beyond conventional formats.

• Small- and medium-sized enterprise/ small business solutions

• Settlements• Business with regional financial institutions• Business succession finance

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UNSECURED LOANS

In the card loan business, card loans by non-banks have fallen substantially, due largely to full implementation of the revised Money Lending Business Law in 2010. In contrast, bank card loans have grown rap-idly since 2011. Since Shinsei Bank Card Loan—Lake was launched in October 2011 as a bank card loan under the Lake brand, the subsidiary has continued to properly run its operations complying with the con-cept of the Money Lending Business Law, which was enacted to keep individual cus-tomers from multiple borrowing. Lake’s po-sition as a major consumer finance brand has been established.

• Credit risk control capabilities that come from the non-banking sector

• Process and compliance structure premised on the Money Lending Business Law

• IT systems built internally and lean operations

• Outstanding level of service

• Analytical power (conventional scoring model, plus use of artificial intelligence)

Size of the card loan market

16/9Source: Bank of Japan, Japan Financial Service Association

16/315/314/313/312/311/310/309/30

20 (Trillions of yen) (%)

15

10

5

0

80

60

40

20

Marketshare (Domestic Bank) Marketshare (Nonbank)Domestic Bank Balance C.C. Cash Advance Balance Nonbank Balance

Market Overview

Shinsei Bank Group’s Strengths

Businesses in Growth Areas:

Future Market Trends• Will banks also be required to comply with the total lending

amount control?• Existing consumer finance lenders could become active again• Among emerging companies, better ones will be able to survive in

the market• Excess interest rate repayments wind down, gradual uptrend in

past borrowers returning to obtain loans

Lake’s focus on complying with the concept of the Money Lending Business

Law could become a strength

Since December 2016, Shinsei Bank has advanced its unsecured personal loans busi-ness in Vietnam jointly with partner Military Commercial Joint-Stock Bank, a major Viet-namese private-sector bank.

Expanding Non-Bank Business in Growing Asian Markets Using Group Strength

Please visit Shinsei Bank’s website for more informationhttp://www.shinseibank.com/corporate/en/news/pdf/pdf2016/161121military_e.pdf

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STRUCTURED FINANCEBusinesses in Growth Areas:

Project FinanceThe total annual sum of project finance arrangements worldwide has steadily trended above ¥20 trillion since 2010. In domestic renewal energy generation projects, certified capacity for megasolar has peaked but non-deployed capacity is still huge and we expect growth in other forms of renewable energies, such as wind and biomass over the medium- and long-term.

Global project finance origination volumes Renewable energy power generationfacilities implemented (Japan)

Wind, biomass andother renewable energies

Source: Graph prepared by Shinsei Bank based on the statistical data from the Agency for Natural Resources and Energy

Source: Graph prepared by Shinsei Bank based on the data from Project Finance International ($1=¥110)

Trending stably at more than ¥20 trillion

0

40 (Trillions of yen)

30

20

10

Introduced CapacityCertified Capacity

16151413121110090807 16/615/1215/614/1214/613/1213/612/120

8,000 (MW)

4,000

6,000

2,000

Create added values from our unique positioning that isdifferent from both megabanks and regional financial institutions

Neutral position not �belonging toany�major corporate groups

Networks with foreign investorsRelationships with�regional

financial� institutions

Flexibility and mobilitythat can be realized only

by a small-sized bank

Expertise and �highanalytical skills based on�

extensive experience

Risks that are not takenby regional financial institutions

Markets that are not capturedby megabanks due to their size

Create added values from our unique positioning that isdifferent from both megabanks and regional financial institutions

Relationships with�regionalfinancial� institutions

Expertise and �highanalytical skills based on�

extensive experience

Flexibility and mobilitythat can be realized only

by a small-sized bank

Neutral position not �belonging toany�major corporate groups

Networks with foreign investors

Risks that are not takenby regional financial institutions

Markets that are not capturedby megabanks due to their size

Profit-earning opportunity for regionalfinancial institutions

Profit-earning opportunityfor Shinsei Group

Contribute to revitalizationof regional economies

by offering newfinancing opportunities

Investment needs fromregional financial

institutions

Know-how of ShinseiTrust & Banking

<Group Integration>

Structured Finance

Profit-earning opportunity for regionalfinancial institutions

Profit-earning opportunityfor Shinsei Group

Contribute to revitalizationof regional economies

by offering newfinancing opportunities

Investment needs fromregional financial

institutions

Know-how of ShinseiTrust & Banking

<Group Integration>

Structured Finance

Distribution Origination

Structuring

Syndication Business

Distribution Origination

Structuring

Syndication Business

Market Overview

Shinsei Bank Group’s Strengths Building Win-Win Relationships with Regional Financial Institutions

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17

(%)

300

0

100

200

(Billions of yen)

228.5

400

300

0

100

200

(Yen)

100

-200

-100

0

(Billions of yen)

50.7

316.388

6

0

2

4

0.22

FY12 FY15FY14FY11FY10FY09FY08FY07 FY16FY13 FY12 FY15FY14FY11FY10FY09FY08FY07 FY16FY13

13.3 16.315.312.311.310.309.308.3 17.314.3 13.3 16.315.312.311.310.309.308.3 17.314.3

Total revenue Profit attributable to owners of the parent

Common equity per shareNonperforming loan ratio under the Financial Revitalization Law (Nonconsolidated)

FINANCIAL HIGHLIGHTS

SEGMENT DATA

* The percentage figures do not add up to 100% due to the contribution of Corporate/Other.

Structured finance balance Corporate business balance

2.0

1.5

0

0.5

1.0

(Trillions of yen)1.5

0

0.5

1.0

(Trillions of yen)

Showa Leasing operating assets

500

0

300

200

100

400

(Billions of yen)

CorporatesOthers (Public Companies, Financial Institutions, etc.)

Real Estate Nonrecourse FinanceReal Estate Companies; REITsProject FinanceSpecialty Finance (LBO, etc.)

15.3 16.3 17.3 15.3 16.3 17.3 15.3 16.3 17.3

¥1.2532trillion

¥1.6806trillion

¥483.9billion

13.4Billions of yen

500

0

300

200

400

(Billions of yen)

Unsecured Loan Balance Housing Loans

Shinsei FinancialShinsei Bank LakeNOLOAN Credit GuaranteeShinsei Bank Smart Card Loan Plus

14.3 15.3 16.3 17.3 15.3 16.3 17.3 15.3 16.3 17.3

100

1.5

0

0.5

1.0

(Trillions of yen)¥479.7

billion¥1.3405

trillion

¥1.0158trillion

APLUS FINANCIAL Operating Assets

Shopping Credit (excl. Automobile)Credit Cards Automobile CreditHousing Related Loans, etc.

1.5

0

0.5

1.0

(Trillions of yen)

INSTITUTIONAL BUSINESS OPERATING ASSETS

INDIVIDUAL BUSINESS OPERATING ASSETS

INDIVIDUALBUSINESS

56%30.4Billions of yen

INSTITUTIONALBUSINESS

25%4.1Billions of yen

GLOBALMARKETSBUSINESS

8%

54.1Billions of yen

COMPOSITION OF ORDINARY BUSINESS PROFIT AFTER NET CREDIT COSTS*

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19

Number of Volunteer Activities

Total Participants in Volunteer Activities

(since 2009, and as of March 31, 2017)

(since 2009, and as of March 31, 2017)

3,396

217

No.1

No. 2

Ranked No.1 in the “Internet Banking” category for a second successive year in the 2017 Oricon Japan Customer Satisfaction Survey

League Table: Project Finance (Japan)

On the basis of the number of project finance transactions from April 2016 to March 2017Source: Dealogic [Japan Project Finance League Table]

Employees (consolidated basis)

Ratio of Female Managers (nonconsolidated basis)

(as of March 31, 2017)

29.6%

(as of March 31, 2017)

5,360(2016, 2017)

SHINSEI BANK GROUP IN NUMBERS

Rankings People Working atShinsei Bank Group Contributing to Society

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TOWARD FULLY HARNESSING GROUP TALENT AND CAPABILITIES

Maximizing organizational capacity, grow sustainably as a bank group• Reform our people culture, focus on personnel development and use• Improve work environment, systems, and processes in ways that enable each person to

contribute fully by harnessing his or her aspirations, attributes, and capabilities

HR StrategyBasic Policy

HR Development and Usefrom Medium- and Long-Term Viewpoint

Building HR Systems Responsiveto Organizational Needs, External Climate

• Construct a plan for a future core HR pool and develop systematic follow-up

• Strategically deploy and use people who are best suited to a given business from a Group perspective

• Develop human resources for the entire Group

• Highly transparent and objective systems for compensation, job grades and evaluations

• Multi-track career system that enables employees to opt for a career path

• Flexible work shift systems with diverse options for work arrangements

• Support medium- and long-term career planning

Shinsei Bank Group will continue to promote personnel policies that are respectful of employee attributes, char-acteristics and stages in life, whether they are women or seniors, raising children or caring for a relative, with the aim of fully harnessing the talents of this diverse pool of human resources. We will search for and appoint talent across the Group and strive to create knowledge-based synergies through personnel exchanges. Through the use of these to bring together the Group to promote “Inclusion & Diver-sity,” we will provide solutions that meet the increasingly complex and diverse needs of customers.

Promoting Role of Women in Workplace, Trend in Female Manager Ratio30

0

10

20

（%） 29.6%

June 2004:Recognized by Director of Tokyo Labor Bureauas a company promoting “equal opportunity”

Feb. 2002:Extended length of childcareleave to two years

Dec. 2003:Launched “Women’s Leadership Project”

2013:Launched training for womenreturning to work aftermaternity/childcare leave

FY06FY05FY04FY03FY02FY01 FY07 FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16

Career Development System Supporting Women with a Career Orientation

• Leadership education and training• Female career path training• Hearings for female employees before they obtain maternity leave • Support for self-learning during childcare leave• Training for women returning to work after maternity/childcare leave

(for those returning from leave; for managers)• Shinsei Women’s Networking lunch

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STOCK INFORMATION (as of March 31, 2017)

Largest Shareholders Largest Shareholders

Notes: 1 “Japanese Financial Institutions and Insurance Companies” includes the Resolution and Collection Corporation.

2 “Other Japanese Corporations” includes the Deposit Insurance Corporation. 3 “Japanese Individuals and Other” includes treasury shares.

証券会社1.141%

その他の法人10.073%

外国法人等：個人以外50.178%

外国法人等：個人2.827%

金融機関25.076%

個人その他10.705%

2,750,346千株

Foreign Individual Investors 2.827% Japanese Individuals and Other

10.705%

Other JapaneseCorporations10.073%

Japanese SecuritiesCompanies1.141%

Japanese FinancialInstitutions andInsurance Companies25.076%

Foreign InstitutionalInvestors50.178%

2,750,346thousandcommonshares

RATINGS INFORMATION (as of July 1, 2017)

Name: Shinsei Bank, Limited

Address: Nihonbashi Muromachi Nomura Building,

4-3, Nihonbashi-muromachi 2-chome, Chuo-ku, Tokyo, Japan

Established: December, 1952

Representative Director, President: Hideyuki Kudo

Capital Stock: 512.2 billion yen

Total Assets (Consolidated): 9,258.3 billion yen

Deposits, Including NCDs (Consolidated): 5,862.9 billion yen

Loans and Bills Discounted (Consolidated): 4,833.4 billion yen

Total Capital Adequacy Ratio(Basel 3, Domestic Standard): 13.06%

Branches (Nonconsolidated): 28 head office and branches, 7 annexes

(As of March 31, 2017)

INDIVIDUAL BUSINESS

• Retail Banking – Deposit related products (saving deposits, time deposits, structured deposits, foreign

currency deposits) – Asset management (consultation, mutual funds, annuity products) – Housing loans• Consumer Finance – Unsecured personal loans (Shinsei Bank, Shinsei Financial, NOLOAN) – Installment sales credit, settlement, credit cards (APLUS FINANCIAL) – Credit Guarantees (Shinsei Financial, APLUS FINANCIAL)

INSTITUTIONAL BUSINESS

• Corporate, Financial Institutions & Public Sector Finance• Healthcare Finance• Real Estate Finance• Project Finance• Specialty Finance• Business Succession Finance• Corporate Restructuring• Credit Trading• Private Equity• Advisory Services• Leasing (Showa Leasing)• Trust Operations (Shinsei Trust & Banking)

GLOBAL MARKETS BUSINESS

• Markets Business• Asset Management• Wealth Management• Securitization (Shinsei Securities)

Notes: 1 As of March 31, 2017, a group of investors, including affiliates of J.C. Flowers & Co. LLC., holds 553,663,517 common shares or 21.39% of Shinsei Bank’s outstanding common shares, excluding treasury shares.

2 As of March 31, 2017, in total, the Deposit Insurance Corporation and the Resolution and Collection Corporation hold 469,128,888 common shares or 18.12% of Shinsei Bank’s outstanding common shares, excluding treasury shares.

Rank ShareholdersThousands of

Common Shares %

1 SATURN IV SUB LP (JPMCB 380111) 323,680 11.762 Deposit Insurance Corporation of Japan 269,128 9.783 THE RESOLUTION AND COLLECTION CORPORATION 200,000 7.274 SHINSEI BANK, LIMITED 161,955 5.885 THE MASTER TRUST BANK OF JAPAN, LTD. (TRUST ACCOUNT) 132,535 4.816 SATURN JAPAN III SUB C.V. (JPMCB 380113) 110,449 4.017 JAPAN TRUSTEE SERVICE BANK, LTD. (TRUST ACCOUNT) 95,012 3.458 J. CHRISTOPHER FLOWERS 76,753 2.799 STATE STREET BANK AND TRUST COMPANY 67,372 2.4410 JAPAN TRUSTEE SERVICE BANK, LTD. (TRUST ACCOUNT 9) 54,583 1.9811 ANBANG INVESTMENT HOLDINGS CO. LIMITED 42,898 1.55

Total (includes treasury shares) 2,750,346 100.00

Long-Term (Outlook) Short-Term

Rating and Investment Information, Inc. (R&I) A- (Stable) a-1Japan Credit Rating Agency (JCR) BBB+ (Positive) J-2Standard and Poor’s (S&P) BBB+ (Positive) A-2Moody’s Baa2 (Stable) Prime-2

COMPANY INFORMATION(as of March 31, 2017)

MAJOR BUSINESS

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Company Profile 2017

4-3, Nihonbashi-muromachi 2-chome,Chuo-ku, Tokyo 103-8303, JapanTEL: 81-3-6880-7000

URL: http://www.shinseibank.com