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

Six-Year Summary
     (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
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Hyakugo Bank's Corporate Social Responsibilities
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Hyakugo Bank’s high rating among Japanese banks is an evaluation of its management reliability.
 
People want to deposit their money in a bank they can trust. Ratings provide one measure for choosing a sound bank.
 
Hyakugo Bank has an A- rating from Standard & Poor’s, the third highest rating from that company among all domestic Japanese banks. Hyakugo Bank also has an A+ rating from Rating and Investment Information, Inc., the third highest rating from that company among all domestic Japanese banks.

  Standard & Poor’s
  AAA  
  AA+  
  AA  
  AA-  
  A+ 1 regional bank
  A 2 regional banks, 5 city banks
-> A- Hyakugo Bank
(and another 9 regional banks)
  BBB+ 8 regional banks, 1 city bank
  BBB 1 regional bank
  BBB-  
  BB+  
  B+  
 
   D
  Rating and Investment
Information, Inc. (R&I)
  AAA  
  AA+  
  AA 1 regional bank
  AA- 2 regional banks
-> A+ Hyakugo Bank (and another 13 regional banks and 1 city bank)
  A 3 regional banks, 4 city banks
  A- 5 regional banks
  BBB+ 4 regional banks, 1 city bank
  BBB 1 regional bank
  BBB- 2 regional banks
  BB+  
  B+  
 
   C
(As of June 17, 2005) (As of May 31, 2005)
 
*1 This chart applies to long-term ratings.
*2 Regional banks in this chart include secondary regional banks.

What is a rating?
A rating is a rank assigned by an impartial third-party rating agency. This rating indicates the likelihood that deposits or bonds will be repaid at the original interest rates, and also indicates the soundness and creditworthiness of the company itself.
 
Standard & Poor’s and Rating and Investment Information, Inc. are among five rating agencies that have been adopted by the Financial Services Agency in Japan.

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