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CONSOLIDATED BALANCE SHEETS     �@ �@ �@ �@ �@
THE SAIKYO BANK, LTD. AND CONSOLIDATED SUBSIDIARIES MARCH 31, 2000 AND 2001       
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�@ Millions of Yen
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Thousands of
U.S.Dollars
  2000   2001       2001
ASSETS              
CASH AND DUE FROM BANKS \61,253   \30,056       $242,587
CALL LOANS 20,186   35,775       288,746
COMMERCIAL PAPER AND OTHER DEBT PURCHASED -   -       -
trADING ACCOUNT SECURITIES 194   49       398
MONEY HELD IN trUST 7,953   3,971       32,051
SECURITIES 73,049   70,759       571,100
LOANS AND BILLS DISCOUNTED 495,844   500,430       4,038,988
FOREIGN EXCHANGES 1,111   850       6,867
OTHER ASSETS 3,489   7,644       61,699
PREMISES AND EQUIPMENT 12,362   17,485       141,123
DEFERRED INCOME TAX ASSETS 3,729   8,742   �@   70,563
CUSTOMERS' LIABILITIES FOR ACCEPTANCES AND GUARANTEES 7,451   6,466       52,188
RESERVE FOR POSSIBLE LOAN LOSSES �� 12,210
   �� 15,683
       �� 126,581
TOTAL ASSETS \674,415
   \666,549
       $5,379,733
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LIABILITIES AND STOCKHOLDERS' EQUITY              
LIABILITIES:              
DEPOSITS \625,541   \617,327       $4,982,466
CALL MONEY 424   495       4,000
BORROWED MONEY 69   3,891       31,408
FOREIGN EXCHANGES 0   3       29
OTHER LIABILITIES 4,699   7,072       57,084
RESERVE FOR RETIREMENT BENEFITS 1,876   -       -
RESERVE FOR EMPLOYEES' RETIREMENT BENEFITS -   3,332       26,893
OTHER RESERVES - �@ 15 �@ �@ �@ 122
DEFERRED INCOME TAX LIABILITIES FOR REVARUATION EXCESS 1,899   1,899   �@   15,333
ACCEPTANCES AND GUARANTEES 7,451
   6,466
       52,188
TOTAL LIABILITIES 641,963   640,504       5,169,525
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MINORITY INTEREST -
 �@ 193
 �@ �@ �@ 1,558
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STOCKHOLDERS' EQUITY:              
COMMON STOCK 8,100   8,100       65,375
CAPITAL SURPLUS 5,745   5,745       46,372
REVALUATION EXCESS 2,651   2,651   �@   21,402
RETAINED EARNINGS 15,955
   9,354
       75,499
LESS: COMMON STOCK HELD BY A SUBSIDIARY 0
   0
       0
TOTAL STOCKHOLDERS' EQUITY 32,452
   25,851
       208,649
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY \674,415
   \666,549
       $5,379,733
(SEE ACCOMPANYING NOTES.) �@ �@ �@ �@ �@ �@ �@
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-Copyrights 2001 THE SAIKYO BANK, LTD All Rights Reserved-

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