HYAKUGO BANK; FRONTIER BANKING
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     (Consolidated)

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     (Non-Consolidated)
Annual Report 2005
 
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The Second Management
     Plan of the New Century

Increasing Income
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     Nonperforming Loans

Financial Review
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     Investor Information
Annual Report Back Numbers
Hyakugo Bank's Corporate Social Responsibilities
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Established: November 19, 1878
Main business base: Mie Prefecture, Japan
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Deposits: ¥3,334,499 million (including negotiable certificates of deposit)
Loans and bills discounted: ¥1,997,461 million
Share of deposits in
            Mie Prefecture:
40.3%
Share of loans in
            Mie Prefecture:
36.0%
Total income: ¥76,401 million (year-on-year decrease of 2.8%)
Net income: ¥7,056 million (year-on-year increase of 16.7%)
Return on equity: 4.66% (year-on-year increase of 0.53 points)
Capital adequacy ratio: Domestic standard 9.75%; Tier I ratio 8.03%
Ratings (Standard & Poor’s, Rating and Investment Information, Inc.)
S&P: A- / Stable/ A-2
R&I: A+
Unrealized gains in
             marketable securities:
¥87,281 million
Ratio of nonperforming loans: 4.10%
Number of branches
 
Mie Prefecture: Branches 88
Sub-branches 26
Other prefectures: Branches 15
Overseas: Representative offices 2
Number of employees: 2,371

(As of March 31, 2005)
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