| (Note:) | 
| 1. | Concerning the figures of all 
deposit-taking financial institutions of FY 2002, "Net Transfer to Allowance for 
Loan Losses" accounts for 3,572.9 billion yen, "Direct Write-offs" 3,817.2 
billion yen, and "Total Losses on Disposal of Non-perfoming Loans" 7,428.3 
billion yen. | 
| 2. | From FY 1992 to FY 1994, data shown 
are composed of City Banks, Long-term Credit Banks and Trust Banks. Figures in 
parentheses refer to the total amounts of City Banks, Long-term Credit Banks and 
Trust Banks. | 
| 3. | Hokkaido Takusyoku Bank, Tokuyo 
City Bank, Kyoto Kyoei Bank, Naniwa Bank, Fukutoku Bank, and Midori Bank are 
excluded from FY 1997 onward. Kokumin Bank, Kofuku Bank and Tokyo Sowa Bank are 
excluded from FY 1998 onward. Namihaya Bank and Niigata Chuo Bank are excluded 
from FY 1999 onward. Ishikawa Bank and Chubu Bank are excluded from FY 2001. 
Long-term Credit Bank of Japan (Shinsei Bank at present) is excluded from 
FY1998. Nippon Credit Bank (Aozora Bank at present) is excluded from FY 1998 and 
FY 1999. | 
| 4. | "Net Transfer to Provisions for 
Loan Losses" refer to the total amount of net transfer to specific provisions 
for loan losses and net transfer to general provisions for loan losses. | 
| 5. | Figures of "Risk Management Loans" 
are composed of "Loans to Borrowers in Legal Bankruptcy" [LBB] and "Past Due 
Loans" [PDL] before FY1994. For FY 1995 and FY 1996, the figures are composed of 
LBB, PDL and "Restructured Loans". | 
| 6. | "Losses on Sales through Bulk Sales 
etc." refer to the total amount of losses on sales through bulk sales, losses on 
supports to subsidiary and losses on sales to the RCC (Resolution and Collection 
Corporation) and to the CCPC (Cooperative Credit Purchasing Company) etc. | 
| 7. | "Others"" in ""Total Losses on 
Disposal of Non-Performing Loans"" refer to the total amount of provisions for 
expected losses brought by loans sold to CCPC, and provisions for expected 
losses brought by the supports to subsidiaries etc. | 
| 8. | The figure of ""Total Losses on 
Disposal of Non-Performing Loans"" of FY 2001 includes Tokai Bank (merged in 
January 2002), and that of FY 2002 includes Asahi Bank (merged in March 2003)." |