Corporate Philosophy Corporate Statement Profile Ratings Hyakugo Bank Group Organization Board of Directors and      Corporate Auditors History     Six-Year Summary      (Consolidated) Six-Year Summary      (Non-Consolidated)     Message from the President The Second Management      Plan of the New Century Increasing Income Corporate Governance Current Status of      Nonperforming Loans Financial Review Financial Section Corporate Data and      Investor Information   Chairman Sadahisa Kawakita   President Hajimu Maeda*   Senior Managing Director Shunji Iida*   Managing Directors Masataka Tanaka Jun Kumoi Osamu Hiramatsu Takashi Yasuoka   Directors Kuninao Ezaki Yoichi Hashimoto Manabu Hashimoto Hisashi Mukai Shinichi Hiraishi Tsuyoshi Ueda   Standing Corporate Auditors Masaya Kihara Akinobu Yamakawa   Corporate Auditors Hachirobe Doi Yasuo Takemura   *Representative Director (As of June 29, 2004)

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