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CONSOLIDATED STATEMENTS OF INCOME AND RETAINED EARNINGS       
THE SAIKYO BANK, LTD. AND CONSOLIDATED SUBSIDIARIES FOR THE YEARS ENDED MARCH 31, 2000 AND 2001      
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Millions of Yen
 
Thousands of
U.S.Dollars
  2000   2001       2001
INCOME              
INTEREST ON:              
�@LOANS AND DISCOUNTS \15,156   \14,852       $119,878
�@SECURITIES 2,002   1,131       9,132
�@OTHER 2,123   2,109       17,029
FEES AND COMMISSIONS 1,475   1,859       15,009
OTHER OPERATING INCOME 89   965       7,792
OTHER INCOME 2,616
   312
       2,521
TOTAL INCOME 23,463   21,231       171,363
               
EXPENSES              
INTEREST ON:              
�@DEPOSITS 2,831   2,399       19,366
�@BORROWINGS AND REDISCOUNTS 1   68       551
�@OTHER 1,800   1,717       13,863
FEES AND COMMISSIONS 950   1,042       8,417
OTHER OPERATING EXPENSES 2,286   1,171       9,455
GENERAL AND ADMINIStrATIVE EXPENSES 10,594   10,142       81,857
OTHER EXPENSES 4,728
   15,173
       122,469
TOTAL EXPENSES 23,194   31,716       255,981
               
INCOME BEFORE INCOME TAXES
268		  
��10,484		      
��84,617
PROVISION FOR INCOME TAXES 1,128   52       420
ADJUSTMENT FOR INCOME TAXES �� 912
   �� 4,304
   �@   �� 34,738
MINORITY INTEREST -
 �@ 2
 �@ �@ �@ 22
NET INCOME 53   ��6,234       ��50,322
               
RETAINED EARNINGS AT BEGINNING OF YEAR 16,168   15,955       128,775
BONUSES TO DIRECTORS AND STATUTORY AUDITORS 8   9       73
CASH DIVIDENDS 269   356       2,879
trANSFER FROM REVALUATION EXCESS 10   0       0
ADJUSTMENT FOR TAX EFFECT OF PRIOR YEARS -
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RETAINED EARNINGS AT END OF YEAR \15,955
   \9,354
       $75,499
               
               
�@ Yen
�@ �@ �@ U. S. Dollars
�@ 2000 �@ 2001 �@ �@   2001
NET INCOME PER SHARE \0.85   \-87.38       -$0.70
(SEE ACCOMPANYING NOTES.) �@ �@ �@ �@ �@ �@ �@
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-Copyrights 2001 THE SAIKYO BANK, LTD All Rights Reserved-

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