Eighteenth Bank Annual Report 2005 (April 2004 - March 2005)

The Annual Report 2005 is available on the Bank's website at — URL : http://www.18bank.co.jp/aboutus/annualreport/ar2005/ The Annual Report 2004 is available on the Bank's website at — URL : http://www.18bank.co.jp/aboutus/annualreport/ar2004/ The Annual Report 2003 is available on the Bank's website at — URL : http://www.18bank.co.jp/aboutus/annualreport/ar2003/ The Annual Report 2002 is available on the Bank's website at — URL : http://www.18bank.co.jp/aboutus/annualreport/ar2002/ The Annual Report 2001 is available on the Bank's website at — URL : http://www.18bank.co.jp/aboutus/annualreport/ar2001/