Major Affiliates

We at SBI Shinsei Bank provide a comprehensive set of solutions for our customers' funding and investment needs. The SBI Shinsei Bank Group network performs a wide range of financial functions including distribution, trust servicing and transaction management. This translates into consistent service, clear communication and united goals for all the SBI Shinsei Bank Group teams working on a deal. In addition, our subsidiaries provide the same long-term expertise in local and international financial practices that our customers have come to expect when working with SBI Shinsei Bank.

  • Alpha Servicer Co., Ltd.
  • Shinsei Personal Loan
  • clearpass
  • DAFダイヤモンドアセットファイナンス

Note: SBI Shinsei Bank does not operate any of subsidiaries' and affiliates' websites linked from this page.


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 in the structured finance market for over 12 years.


For additional details, please contact Shinsei Trust and Banking:


As a member of SBI 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.


For additional details, please contact Shinsei Investment & Finance:


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 SBI 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.


For additional details, please contact Showa Leasing:

Showa Leasing Co., Ltd.


Shinsei Financial Co., Ltd. provides personal loan services as a member company of the SBI Shinsei Bank Group. The company also offers its expertise and IT systems to regional financial institutions which have credit guarantee tie-up relationships with SBI 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.


For additional details, please visit the following web site:

Shinsei Financial Co., Ltd.


APLUS Co., Ltd. is a major consumer finance subsidiary company of the SBI Shinsei Bank Group. and engages in businesses such as shopping credit, credit cards, and settlements.

As a link connecting customers, tie-up partners, and manufacturers, APLUS Co., Ltd. offers high value-added financial services, through which we contribute to our customers' wealth and well-being.


For additional details, please contact APLUS:

Alpha Servicer Co., Ltd.

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 SBI 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.

Main businesses:

  • Entrusted servicing of specialized monetary claims
    Primary servicing: Servicing of financial institutions early delinquent loans to individual borrowers
    Special servicing: Servicing of NPLs(non-performing loans), SPLs (specialized loans), and loans after obtaining right of indemnification by a public guarantor
    Back-up servicing of liquidated or securitized claims
  • Purchasing and servicing of specialized monetary claims
  • Consulting
  • Contracted clerical services


For more information, please contact:

Alpha Servicer Co., Ltd.

Shinsei Personal Loan

Shinsei Personal Loan Limited 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 SBI 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.


For additional details, please visit the following web site:

Shinsei Personal Loan


Clearpass was established in 2001 as a member of the Kansai Electric Power Group and joined the Shinsei Bank Group in 2022.

Together with APLUS, Clearpass will expand the customer base of the loan and settlement businesses. Furthermore, Kansai Electric Power Co., Inc., SBI Shinsei Bank, APLUS and Clearpass will collaborate in the provision of financial products that will promote the electrification of households.


For additional details, please contact Clearpass:


Diamond Asset Finance Co., Ltd. was established in 1987 and became a 100% subsidiary of SBI Shinsei Bank in January 2024.

We are engaged in comprehensive finance business related to real estate investment, such as investment condominium financing for individuals and real estate financing for corporations.
We have business foundation that provides high-quality customer services and networks with affiliated real estate companies that enable us to acquire new projects stably.

Main businesses:

Investment condominium financing for individuals, real estate financing for corporations


For more information, please contact: