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   (As of March 31, 2005)

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