Despite its past struggles with excessive real estate lending practices, Shinsei Bank has become the 22nd largest commercial bank in Japan, with a focus on expanding into consumer finance for retail clients and originating structured finance transactions for institutional customers. Although it remains under government ownership, the bank is working to meet profit targets that would allow the government to exit its 17.7% stake. With 31 branches throughout Japan and a global institutional banking presence, Shinsei Bank is committed to providing a range of banking services, including bilingual ATMs, to its customers.