HYAKUGO BANK; FRONTIER BANKING
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  Six-Year Summary
     (Consolidated)

Six-Year Summary
     (Non-Consolidated)
Annual Report 2004
 
  Message from the President
The Second Management
     Plan of the New Century

Increasing Income
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Current Status of
     Nonperforming Loans

Financial Review
Financial Section
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     Investor Information
Annual Report Back Numbers
Hyakugo Bank's Corporate Social Responsibilities
Environmental Activities
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Established: November 19, 1878
Main business base: Mie Prefecture, Japan
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Deposits: ¥3,282,781 million, 22nd among regional banks
Loans and bills discounted: ¥1,990,290 million, 28th among regional banks
Share of deposits in
            Mie Prefecture:
40.2%
Share of loans in
            Mie Prefecture:
36.0%
Total income: ¥78,586 million (year-on-year increase of 7.2%)
Net income: ¥6,045 million (year-on-year increase of 184.6%)
Return on equity: 4.13% (year-on-year increase of 2.68 points)
Capital adequacy ratio: Domestic standard 9.57%; Tier I ratio 7.83%
Ratings (Standard & Poor’s, Rating and Investment Information, Inc.)
S&P: A- / Stable/ A-2
R&I: A+
Unrealized gains in
             marketable securities:
¥85,080 million (8th among regional banks)
Ratio of nonperforming loans: 4.77%, 15th among regional banks
Number of branches
 
Mie Prefecture: Branches 88
Sub-branches 30
Other prefectures: Branches 15
Overseas: Representative offices 2
Number of employees: 2,463

(As of March 31, 2004)
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