| �@ 
| CONSOLIDATED STATEMENTS OF CASH FLOWS | �@ | �@ | �@ | �@ | �@ | �@ | | THE SAIKYO BANK, LTD. AND CONSOLIDATED SUBSIDIARIES FOR THE YEAR ENDED MARCH 31,2001 | | �@ | �@ | �@ | �@ | | �@ | �@ | | �@ | �@ | �@ | �@ | �@ | �@ | �@ | | �@ | �@ | Millions of Yen
| �@ | Thousands of
U.S.Dollars
| | �@ | �@ | 2000 | �@ | 2001 | �@ | 2001 | | CASH FLOWS FROM OPERATING ACTIVITIES: | �@ | �@ | �@ | �@ | �@ | �@ | | INCOME BEFORE INCOME TAXES | �@ | \268 | �@ | \-10,484 | �@ | -$84,617 | | ADJUSTMENTS TO RECONCILE NET INCOME (LOSS) TO NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES: | �@ | �@ | �@ | �@ | �@ | �@ | | �@DEPRECIATION AND AMORTIZATION | �@ | 369 | �@ | 1,303 | �@ | 10,522 | | �@AMORTIZATION OF ADJUSTMENT ACCOUNT FOR CONSOLIDATION | �@ | - | �@ | 77 | �@ | 628 | | �@DECREASE (INCREASE) IN RESERVE FOR POSSIBLE LOAN LOSSES | �@ | 2,736 | �@ | 2,158 | �@ | 17,425 | | �@INCREASE (DECREASE) IN RESERVE FOR INVESTMENT LOSS | �@ | - | �@ | - | �@ | - | | �@INCREASE (DECREASE) IN RESERVE FOR POSSIBLE LOSSES ON SALE OF LOANS | �@ | - | �@ | 15 | �@ | 122 | | �@INCOME FROM INVESTMENTS TO SUBSIDIARIES | �@ | 32 | �@ | - | �@ | - | | �@INCREASE (DECREASE) IN RESERVE FOR RETIREMENT BENEFITS | �@ | 125 | �@ | �� 1,876 | �@ | �� 15,147 | | �@INCREASE (DECREASE) IN RESERVE FOR EMPLOYEES' RETIREMENT BENEFITS | �@ | - | �@ | 3,332 | �@ | 26,893 | | �@INTEREST RECEIVED | �@ | �� 19,281 | �@ | �� 18,094 | �@ | �� 146,040 | | �@INTEREST PAID | �@ | 4,634 | �@ | 4,185 | �@ | 33,781 | | �@SECURITIES LOSSES (GAINS), NET | �@ | 1,310 | �@ | 5,692 | �@ | 45,942 | | �@MONEY HELD IN trUST LOSSES (GAINS), NET | �@ | �� 1,113 | �@ | 723 | �@ | 5,837 | | �@FOREIGN EXCHANGE LOSSES (GAINS), NET | �@ | �� 41 | �@ | �� 26 | �@ | �� 210 | | �@LOSSES (GAINS) ON SALES OF PREMISES AND EQUIPMENT, NET | �@ | 10 | �@ | �� 43 | �@ | �� 354 | | �@DECREASE (INCREASE) IN LOANS AND BILLS DISCOUNTED | �@ | 5,491 | �@ | �� 1,262 | �@ | �� 10,192 | | �@INCREASE (DECREASE) IN DEPOSITS | �@ | 12,667 | �@ | �� 8,214 | �@ | �� 66,297 | | �@DECREASE (INCREASE) IN BORROWED MONEY | �@ | - | �@ | �� 5,593 | �@ | �� 45,149 | | �@DECREASE (INCREASE) IN DUE FROM BANKS, EXCLUDING DUE FROM BANK OF JAPAN | �@ | 7,192 | �@ | 20,137 | �@ | 162,528 | | �@DECREASE (INCREASE) IN CALL LOANS | �@ | �� 7,289 | �@ | �� 15,588 | �@ | �� 125,818 | | �@INCREASE (DECREASE) IN CALL MONEY | �@ | �� 2,312 | �@ | 71 | �@ | 573 | | �@INCREASE (DECREASE) IN COLLATERAL MONEY FOR BOND REPURCHASE trADE | �@ | - | �@ | - | �@ | - | | �@DECREASE (INCREASE) IN FOREIGN EXCHANGES (ASSETS) | �@ | 253 | �@ | 79 | �@ | 638 | | �@INCREASE (DECREASE) IN FOREIGN EXCHANGES (LIABILITIES) | �@ | 0 | �@ | 3 | �@ | 28 | | �@INTEREST INCOME | �@ | 20,406 | �@ | 18,230 | �@ | 147,136 | | �@INTEREST EXPENSES | �@ | �� 4,952 | �@ | �� 4,541 | �@ | �� 36,656 | | �@OTHERS, NET | �@ | �� 51
| �@ | 1,149
| �@ | 9,280
| | �@ | �@ | 20,457 | �@ | �� 8,567 | �@ | �� 69,145 | | �@INCOME TAXES | �@ | �� 1,118
| �@ | �� 689
| �@ | �� 5,560
| | NET CASH PROVIDED BY (USED IN) OPERATING ACTIVITIES | �@ | 19,338 | �@ | �� 9,256 | �@ | �� 74,706 | | �@ | �@ | �@ | �@ | �@ | �@ | �@ | | CASH FLOWS FROM INVESTING ACTIVITIES: | �@ | �@ | �@ | �@ | �@ | �@ | | PURCHASES OF INVESTMENT SECURITIES | �@ | �� 87,707 | �@ | �� 75,773 | �@ | �� 611,567 | | PROCEEDS FROM SALES OF INVESTMENT SECURITIES | �@ | 23,715 | �@ | 30,909 | �@ | 249,469 | | PROCEEDS FROM MATURITIES OF INVESTMENT SECURITIES | �@ | 49,890 | �@ | 41,168 | �@ | 332,269 | | PURCHASES OF MONEY HELD IN trUST | �@ | �� 5,016 | �@ | �� 3,000 | �@ | �� 24,213 | | PROCEEDS FROM MONEY HELD IN trUST | �@ | 2,046 | �@ | 6,253 | �@ | 50,476 | | PURCHASES OF PREMISES AND EQUIPMENT | �@ | �� 543 | �@ | �� 842 | �@ | �� 6,800 | | PROCEEDS FROM PREMISES AND EQUIPMENT | �@ | 128 | �@ | 78 | �@ | 635 | | PURCHASES OF CONSOLIDATED SUBSIDIARIES' STOCK | �@ | -
| �@ | �� 299
| �@ | �� 2,418
| | NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES | �@ | �� 17,487 | �@ | �� 1,505 | �@ | �� 12,149 | | �@ | �@ | �@ | �@ | �@ | �@ | �@ | | CASH FLOWS FROM FINANCING ACTIVITIES: | �@ | �@ | �@ | �@ | �@ | �@ | | PROCEEDS FROM ISSUANCE OF COMMON STOCK | �@ | 7,716 | �@ | - | �@ | - | | CASH DIVIDENDS PAID | �@ | �� 269 | �@ | �� 356 | �@ | �� 2,879 | | PURCHASES OF COMMON STOCK | �@ | �� 11 | �@ | �� 9 | �@ | �� 76 | | PROCEEDS FROM COMMON STOCK | �@ | 11 | �@ | 9 | �@ | 76 | | CASH DIVIDENS PAID TO MINORITY | �@ | - | �@ | �� 3 | �@ | �� 26 | | OTHERS, NET | �@ | �� 8
| �@ | -
| �@ | -
| | NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES | �@ | 7,439 | �@ | �� 360 | �@ | �� 2,905 | | �@ | �@ | �@ | �@ | �@ | �@ | �@ | | EFFECT OF EXCHANGE RATE CHANGES ON CASH AND CASH EQUIVALENTS | �@ | �� 2
| �@ | 6
| �@ | 50
| | NET INCREASE (DECREASE) OF CASH AND CASH EQUIVALENTS | �@ | 9,287 | �@ | �� 11,115 | �@ | �� 89,712 | | CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR | �@ | 16,351 | �@ | 25,639 | �@ | 206,936 | | INCREASE OF CASH AND CASH EQUIVALENTS DUE TO INCREASE OF CONSOLIDATION | �@ | -
| �@ | 50
| �@ | 403
| | CASH AND CASH EQUIVALENTS AT END OF YEAR | �@ | \25,639 | �@ | \14,574 | �@ | $117,627 | | (SEE ACCOMPANYING NOTES.) | �@ | �@ | �@ | �@ | �@ | �@ | | | �@ |
