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Shinsei Bank's fresh start under the aegis of SBI Holdings Inc. marks a turning point for its efforts to draw a line under the financial crisis that drove it into insolvency more than 20 years ago.

As the successor to failed Long-Term Credit Bank of Japan (LTCB), Shinsei Bank is the only bank in the nation that has yet to finish repaying public funds it received during the crisis, which followed the collapse of a speculation-driven bubble economy in the early 1990s.

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