Management Structure 18 Data Section Directors and Executives Review of Operations Message from the Management Outline David Morgan Masashi Yamashita Masaharu Watanabe Takashi Tsuchiya Shigeru Oishi Shinya Nagata Hiroyuki Monma Michimasa Honda Souichirou Hasegawa Kazuya Fujimoto Takao Matsuzaki Hideyuki Kudo Norio Funayama Shigeru Tsukamoto Michiyuki Okano Izumi Ogura Akira Kagiichi Sanjeev Gupta Yukio Nakamura Shigeki Toma * Tatsuya Tamura* Kozue Shiga* Akira Watanabe * Hiroyuki Takahashi* Oki Matsumoto* Shigeru Kani* J. ChristopherFlowers* Yukio Nakamura Shigeki Toma As ofDecember1,2010 DIRECTORS ANDEXECUTIVES EXECUTIVE OFFICERS(19) STATUTORY AUDITORS(3) SENIOR ADVISOR(1) BOARD OFDIRECTORS(6) Outside StatutoryAuditors Outside Directors Europe andAsia-Pacific,J.C.Flowers&Co.UKLtd Director, HSHNordbankAG,andManaging Head ofMarketsSub-Group,TreasurySub-Group Senior ManagingExecutiveOfficer,HeadofMarketsandInvestmentBankingGroup, Executive Officer,GeneralManagerof CorporatePlanningDivision Executive OfficerinchargeofHumanResourcesDivision Executive Officer,HeadofAdvisorySub-Group Executive Officer,HeadofConsumerFinanceSub-Group Executive Officer,GeneralManagerofFinancialandRegulatoryAccounting Division Executive Officer,HeadofInstitutionalBusinessSub-Group Executive Officer,HeadofInstitutionalBusinessSub-Group Executive Officer,GeneralManagerofOfficeCorporateSecretary Executive Officer,HeadofInstitutionalBusinessSub-Group Managing ExecutiveOfficer,DeputyHeadofInstitutionalGroup, ofInstitutionalBusinessSub-Group Managing ExecutiveOfficer,DeputyHeadofMarketsandInvestmentBankingGroup,RealEstateFinanceSub-Group Managing ExecutiveOfficer,GeneralManagerofOsakaBranch Senior ManagingExecutiveOfficer,ChiefFinancialHeadofFinanceGroup Senior ManagingExecutiveOfficer,GroupChiefInformationHeadofBankingInfrastructure Senior ManagingExecutiveOfficer,ChiefofStaff,HeadCorporateStaffGroup Senior ManagingExecutiveOfficer,HeadofIndividualGroup Representative Director,SeniorManagingExecutiveOfficer,HeadofRiskManagementGroup,ChiefOfficer Representative Director,President,ChiefExecutiveOfficer,HeadofInstitutionalGroup Former ExecutiveDirector,TheBankofJapan,andPresident,GlobalManagementInstituteInc. Lawyer Standing StatutoryAuditor Former Director,JapanCorporateAuditorsAssociation CEO, MonexGroup,Inc. Former Director,AdministrationDepartment,TheBankofJapan,andProfessor,YokohamaCollegeCommerce Chairman, J.C.Flowers&Co.LLC Representative Director,SeniorManagingExecutiveOfficer Representative Director,President Yuji Tsushima ADVISOR (1) SHINSEI BANK, LIMITEDInterim Report2010 Management Structure Outline Message from the Management Review of Operations Organization Data Section 19 5 * upport Division endai, Kanazawa, Nagoya, S ector Finance Division S S ector Finance Division S apporo, Financial Centers Osaka Corporate Banking Business Division Financial Institutions Business Division Corporate Healthcare Finance Division Corporate Banking Business Division I Corporate Banking Business Division II Corporate Banking Business Division III Corporate Banking Business Division Corporate Banking Business Division IV Public Osaka Financial Institutions Business and Public S and Fukuoka Hiroshima, Takamatsu Real Estate Finance Division Real Estate Business Division 4 * ervice Department) S ub-Group S ub-Group ub-Group ub-Group S S ub-Group S ervice Department) ub-Group S S S ub-Group ub-Group ervice Division S S S ervices Division Department) ervices Division S OX Program Department) S ervices Division ales and Distribution Division S S S S ub-Group ub-Group ub-Group S S S (Head Office Relocation Preparation Department) (Insurance Business Management Department) (Retail Compliance Department) (Financial Crime Information Department) (Fukuoka Call Center) (J- (IFR (Customer ervices S olution Advisory Division pecialty Finance Division tructured Risk Management Division Channel Planning Division Retail Products Division Loan Products Division Retail Business Division Retail Human Resources Development Division Institutional Credit Management Division Corporate Planning Division Human Resources Division Division Investor Relations & Corporate Communications Compliance Division Legal Division Credit Assessment Division General Operations Management Division Office of Financing Facilitation Management MIG Management Division Alternative Investment Division Management Division Wealth International Principal Finance Division Retail Channel Management Division Business Controlling Division Financial and Regulatory Accounting Division Product Control Division Capital Markets and Treasury Financial Planning Division Division Treasury (Corporate Customer Corporate Advisory Division S Private Equity Division Division Credit Trading S Asset Backed Investments Division Customer Customer Development Division Retail Portfolio and Risk Management Division Market Risk Management Division S Individual Pillar Risk Management Division Risk Management Planning and Policy Division Operational Risk Management Division 3 * Retail Financial Controlling Treasury and Corporate Treasury Operations Planning and Administration Division Division Information Technology Centralized Operations Division Operations Principal Transactions Principal Transactions Markets Institutional Business Real Estate Finance Advisory Treasury Consumer Finance Retail Banking 3 * taff Customers S Risk Group Group Group Group Group Group Group Finance Banking Banking Individual Investment Institutional Markets and Management Infrastructure Corporate 2 1 ecretary* utive S c tatutory Auditors Office of ommittee S Exe C Internal Audit Division* Office of Corporate y s r r r e akai-Higashi Annex), Kobe (incl. Ashiya d of c S utive r hief c C tatuto Offi Audito Boa S Exe endai, Kanazawa, Omiya, Kashiwa, LaLaport (incl. S ecretary shall act as the secretariat for the Board of S enri-Chuo Annex, Nishinomiya-Kitaguchi Annex and S apporo, S y s s r r r hinjuku, Roppongi Hills (incl. Omotesando Hills Annex), Hiroo,

S to d of r c e r tatuto Audito Boa S Di

tatutory Auditors directly. Directors and Executive Committee. S of FG for Investor Relations matters. Annex), Hiroshima, Takamatsu, Fukuoka Annex), Hiroshima, Takamatsu, Hankyu-Umeda Annex), Namba (incl. Tsudanuma Annex), Tokyo, Ginza, Ikebukuro (incl. Kawaguchi Annex), Ueno, Annex), Tokyo, Tsudanuma Kichijoji, Meguro, Futakotamagawa (incl. Jiyugaoka Annex), Hachioji, Machida, (incl. Kamakura Annex), Fujisawa, Nagoya, Kyoto, Umeda (incl. Yokohama Annex, Takatsuki *1 Office of Corporate *2 Internal Audit Division shall report not only to CEO but also to Board of *3 Investor Relations & Corporate Communications Division shall report to Head *4 Incl. Chiba Annex Office, *5 Head

SHINSEI BANK, LIMITED Interim Report 2010

ORGANIZATION 1, 2010 As of December Management Structure

20 Data Section Summary of Major Events Review of Operations Message from the Management Outline 2010 2009 2007 2006 2005 2004 2003 2001 2000 SUMMARY OFMAJOREVENTS 2008 February January April July March February April May March Septe July June March Nove October Septe June March Septe June April Dece July May Septe June May April June Dece Nove February January m m m m m m m m ber ber ber ber ber ber ber ber Launched Co Established CorporateSupportDivisiontoprovideassistance SMEsundergoingrestructuring Established HealthcareFinanceDivisiontoprovidefinancesupport healthcare-relatedfacilitiesandbusinesses Issued JPY-deno Concluded tenderofferforthesharesofco Changed na Co Strengthened partnershipwith APLUS FINANCIALintheprovisionoffinancialservicesforindividuals shares oftheBanktoinvestorgroupledbyJ.C.Flowers&Co.LLCandaffiliates es together Reached a Acquired acontrollinginterestinAPLUSCo.,Ltd. Lowered foreigncurrencyexchangeco Achieved two Acquired acontrollinginterestinShowaLeasingCo.,Ltd. Listed theBank’sco Co Co Launched asaninnovativeJapanesebankundernew Established corporaterestructuring invest For Partially repurchasedandcancelledTierIpreferredsecurities Launched Received “BestRetailBankinJapan”awardfro Acquired GEConsu Concluded anOperationalAllianceAgree Moved toa“Co Increased ownershipofAPLUSFINANCIALCo.,Ltd. Established CorporateBankingBusinessDivisionIXtopro Opened firstShinseiConsultingSpots Opened firstjointATMcornerwithSevenBank,Ltd. Launched ShinseiBank Launched Launched new Co Converted toaCo Achieved one Converted theBank’slong-ter Issued non-dilutivesubordinatedbondstoretailinvestors Acquired acontrollinginterestinSHINKICo.,Ltd. Made cross-currency foreignexchangeco Announced businessalliancewith YESBANKLIMITEDinJapan-Indiacross-borderM&Abusiness m mm mm mm mm m pleted atenderofferbidfortheBank’sco ed businessalliancewithBaoviet Holdings tosupportJapaneseinstitutionalcusto enced resolutionofpublicfunds enced operationsofShinseiInvest enced operationsofShinseiSecuritiesCo.,Ltd. enced operationsofShinseiInternationalLi Shinsei Step Up Progra Up Step Shinsei Two Weeks Maturity Deposit Maturity Weeks Two MobileDirect Shinsei m m utual agree e fro m m Shinsei Platinu Shinsei m illion retailaccounts illion retailaccounts m pany withBoardofStatutoryAuditors”board m m inated preferredsecurities m pany withCo mm TheLong-Ter er FinanceCo.,Ltd.(Changedco S m on sharestheFirstSectionofTokyoStockExchange m ent withSevenBank,Ltd.tosharesaleschannelsanddevelopproductsservic- artCard Loan artCard m m m creditbankchartertoanordinary Services mm m obile bankingservice m CreditBankofJapan,Li ittees board mm service m m m mm ent withTowaBank,Ltd. ission fees mm ent Manage ent subsidiary,ShinseiCorporate SupportFinanceCo.,Ltd. ission-free mm on stockofSHINKICo.,Ltd. m m

m on sharesandathird-partyallot The Asian Banker Asian The odel ited m m pany na m anage ent Co.,Ltd. m ote SMEbusiness m m m ited (LTCB),toShinseiBank,Li m ent andnewownership e toShinseiFinancialCo.,Ltd.onApril1,2009) odel SHINSEI BANK, LIMITEDInterim Report2010 m m ers intheVietna ent ofnewco m ited m mm ese on m arket