| �@ 
| FIVE-YEAR SUMMARY (NON-CONSOLIDATED) | | THE SAIKYO BANK. LTD. YEARS ENDED MARCH 31 | | �@ | �@ | �@ | �@ | �@ | �@ | �@ | �@ | �@ | | �@ | �@ | �@ | �@ | Millions of Yen
| | �@ | �@ | �@ | �@ | 1997 | 1998 | 1999 | 2000 | 2001 | | FOR THE YEAR: | �@ | �@ | �@ | �@ | �@ | �@ | | | | TOTAL INCOME | �@ | �@ | �@ | 26,506 | 26,206 | 25,140 | 23,460 | 19,944 | | TOTAL EXPENSES | �@ | �@ | �@ | 26,154 | 24,475 | 24,493 | 23,158 | 30,400 | | INCOME BEFORE INCOME TAXES | �@ | �@ | �@ | 352 | 1,730 | 646 | 302 | ��10,455 | | NET INCOME | �@ | �@ | �@ | 301 | 296 | 233 | 86 | ��6,146 | | �@ | �@ | �@ | �@ | �@ | �@ | �@ | | | | AT YEAR-END | �@ | �@ | �@ | �@ | �@ | �@ | | | | TOTAL ASSETS | �@ | �@ | �@ | 644,307 | 661,152 | 668,668 | 674,442 | 662,076 | | DEPOSITS | �@ | �@ | �@ | 596,971 | 605,720 | 612,888 | 625,556 | 617,424 | | LOANS AND BILLS DISCOUNTED | �@ | �@ | �@ | 498,803 | 500,975 | 501,335 | 495,845 | 502,582 | | SECURITIES | �@ | �@ | �@ | 63,839 | 62,517 | 60,491 | 73,075 | 72,060 | | STOCKHOLDERS' EQUITY | �@ | �@ | �@ | 19,791 | 19,793 | 24,939 | 32,465 | 25,955 |
| | �@ |
