Masaharu Watanabe

SBI Shinsei Bank Ltd. engages in the business of banking services. It operates through the following segments: Institutional Business, Global Market and Individual Business. The Institutional Business segment provides corporate and syndicated loans, acquisition finance, ship finance, healthcare finance, finance for startups, private equity, renewable energy finance, real estate non-recourse finance, project finance and rehabilitation finance services. The Global Market segment provides financial products and services for financial institutions, foreign exchange, derivatives, and other capital markets. The Individual Business segment provides unique products that are not offered by any other bank such as comprehensive accounts, home mortgages, investment trusts, unsecured personal loans, shopping credit cards and loans secured by real estate. The company was founded in December 1952 and is headquartered in Tokyo, Japan.

APLUS FINANCIAL Co., Ltd. engages in the management of its group companies with interest in providing financial services. It operates through the following business segments: Shopping Credit, Credit Card, Loans, Payment, Other Subsidiaries, and Others. The Shopping Credit segment provides reimbursement and debt collection services. The Card segment issues credit cards and offers reimbursement services. The Loan segment deals with financing services through cash dispensers and automated teller machines. The Payment segment handles bill collection and rent reimbursement for apartments and condominiums. The Other Subsidiaries segment involves with the management and operation of subsidiaries. The Others segment manages lease and housing loan business. The company was founded on October 6, 1956 and is headquartered in Osaka, Japan.

Part of SBI Holdings, Inc., APLUS Co., Ltd. provides shopping credit, credit cards, and accounts settlement services. The company is based in Osaka, Japan. The Japanese company was founded in 1956. The CEO is Takayuki Shimada.

Part of SBI Holdings, Inc., APLUS Personal Loan Co., Ltd. provides personal loans. The company is based in Suita, Japan.

Financial Japan Co., Ltd. engages in life insurance business that includes insurance consultations; pension funds and asset management; corporate, finance, inheritance and business succession insurance consultation; and general insurance. The company was founded in May 2013 and is headquartered in Tokyo, Japan.