%PDF-1.2 %âãÏÓ 10 0 obj << /Length 11 0 R >> stream BT294.75 52.5 TD0 0 0 rg /F0 10.5 Tf0.162 Tc 0 Tw (1) Tj127.5 710.25 TD -0.0065 Tc 0.0875 Tw (Resona Holdings, Inc.) Tj30 -14.25 TD -0.093 Tc 0.174 Tw (March 11, 2003) Tj-381 -28.5 TD /F1 11.25 Tf-0.1266 Tc -0.0009 Tw (Revision of Consolidated Earnings Forecast for the Fiscal Year Ending March 31, 2003) TjET71.25 718.5 450 0.75 re fBT71.25 677.25 TD/F0 10.5 Tf0.0072 Tc 1.7345 Tw (The Kinki Osaka Bank, Ltd. \("Kinki Osaka Bank"\), one of the banking subsidiaries of Resona) Tj0 -14.25 TD -0.0022 Tc 0.4332 Tw (Holdings, Inc. \("Resona HD"\), decided to accelerate its efforts to improve the quality of its assets) TjT* 0.033 Tc 1.173 Tw (in order to make sure a recovery of earnings in fiscal year 2003 and later and prepare for the) TjT* 0.0062 Tc 0.1189 Tw (realignment of operations planned in fiscal year 2005 to form Osaka Resona Bank . As a result of) TjT* -0 Tc 0.2546 Tw (such proactive measures, Kinki Osaka Bank will likely incur higher credit-related expenses than it) TjT* -0.004 Tc 0.435 Tw (previously estimated for the year. In addition, the losses of group banks on their equity securities) TjT* 0.0259 Tc 0.8051 Tw (expanded accompanying a further decline of stock prices. All these factors combined led to the) TjT* -0.002 Tc 0.008 Tw (revision of the consolidated earnings forecast. Details were announced as follows:) Tj0 -28.5 TD /F1 10.5 Tf0.0035 Tc -0.1368 Tw (Consolidated Earnings Forecast for the Fiscal Year 2002) Tj363.75 -14.25 TD /F0 10.5 Tf-0.0841 Tc 0.1651 Tw (\(Millions of Yen, %\)) TjET0.8745 0.8745 0.8745 rg 71.25 525 111.75 6.75 re f71.25 513 111.75 12 re f71.25 507.75 111.75 5.25 re f183.75 525 112.5 6.75 re f183.75 513 112.5 12 re fBT201 515.25 TD0 0 0 rg -0.0312 Tc 0.1122 Tw (Ordinary Income) TjET0.8745 0.8745 0.8745 rg 183.75 507.75 112.5 5.25 re f297 531 111.75 0.75 re f297 519 111.75 12 re fBT333 521.25 TD0 0 0 rg 0.1241 Tc 0 Tw (Ordinary) TjET0.8745 0.8745 0.8745 rg 297 507 111.75 12 re fBT323.25 509.25 TD0 0 0 rg 0.0895 Tc 2.2415 Tw ( Profit\(Loss\)) TjET0.8745 0.8745 0.8745 rg 409.5 531 112.5 0.75 re f409.5 519 112.5 12 re fBT458.25 521.25 TD0 0 0 rg -0.196 Tc 0 Tw (Net) TjET0.8745 0.8745 0.8745 rg 409.5 507 112.5 12 re fBT434.25 509.25 TD0 0 0 rg 0.0126 Tc (Income\(Loss\)) TjET70.5 531 0.75 0.75 re f70.5 531 0.75 0.75 re f71.25 531 111.75 0.75 re f183 531 0.75 0.75 re f183.75 531 112.5 0.75 re f296.25 531 0.75 0.75 re f297 531 111.75 0.75 re f408.75 531 0.75 0.75 re f409.5 531 112.5 0.75 re f522 531 0.75 0.75 re f522 531 0.75 0.75 re f70.5 507 0.75 24 re f183 507 0.75 24 re f296.25 507 0.75 24 re f408.75 507 0.75 24 re f522 507 0.75 24 re fBT76.5 496.5 TD0.0506 Tc 0.0304 Tw (Previous Forecast) Tj168 0 TD -0.0227 Tc 0 Tw (1,180,000) Tj114.75 0 TD 0.09 Tc (\(208,000\)) Tj112.5 0 TD (\(185,000\)) TjET70.5 506.25 0.75 0.75 re f71.25 506.25 111.75 0.75 re f183 506.25 0.75 0.75 re f183.75 506.25 112.5 0.75 re f296.25 506.25 0.75 0.75 re f297 506.25 111.75 0.75 re f408.75 506.25 0.75 0.75 re f409.5 506.25 112.5 0.75 re f522 506.25 0.75 0.75 re f70.5 494.25 0.75 12 re f183 494.25 0.75 12 re f296.25 494.25 0.75 12 re f408.75 494.25 0.75 12 re f522 494.25 0.75 12 re fBT76.5 483 TD0.0486 Tc 0.0324 Tw (Revised Forecast) Tj168 0 TD -0.0227 Tc 0 Tw (1,200,000) Tj114.75 0 TD 0.09 Tc (\(292,000\)) Tj112.5 0 TD (\(290,000\)) TjET69.75 492.75 2.25 2.25 re f69.75 492.75 2.25 2.25 re f72 492.75 2.25 2.25 re f74.25 492.75 108.75 2.25 re f183 492.75 2.25 2.25 re f185.25 492.75 111 2.25 re f296.25 492.75 2.25 2.25 re f298.5 492.75 110.25 2.25 re f408.75 492.75 2.25 2.25 re f411 492.75 110.25 2.25 re f521.25 492.75 2.25 2.25 re f521.25 492.75 2.25 2.25 re f69.75 480.75 2.25 12 re f183 480.75 0.75 12 re f296.25 480.75 0.75 12 re f408.75 480.75 0.75 12 re f521.25 480.75 2.25 12 re fBT76.5 468 TD0.0469 Tc 0.0341 Tw (Increase / \(Decrease\)) Tj182.25 0 TD 0.1485 Tc 0 Tw (20,000) Tj106.5 0 TD -0.0127 Tc (\(84,000\)) Tj106.5 0 TD 0.09 Tc (\(105,000\)) TjET69.75 478.5 2.25 2.25 re f69.75 478.5 2.25 2.25 re f72 478.5 2.25 2.25 re f74.25 478.5 108.75 2.25 re f183 478.5 2.25 2.25 re f185.25 478.5 111 2.25 re f296.25 478.5 2.25 2.25 re f298.5 478.5 110.25 2.25 re f408.75 478.5 2.25 2.25 re f411 478.5 110.25 2.25 re f521.25 478.5 2.25 2.25 re f521.25 478.5 2.25 2.25 re f70.5 466.5 0.75 12 re f183 466.5 0.75 12 re f296.25 466.5 0.75 12 re f408.75 466.5 0.75 12 re f522 466.5 0.75 12 re fBT76.5 455.25 TD0.0587 Tc 0.0223 Tw (Rate of Increase/) Tj0 -12 TD -0.0173 Tc 0 Tw (\(Decrease\)) Tj200.25 6 TD 0.135 Tc (1.7) Tj99.75 0 TD 0.179 Tc (\(40.4\)) Tj112.5 0 TD (\(56.8\)) TjET70.5 465 0.75 0.75 re f71.25 465 111.75 0.75 re f183 465 0.75 0.75 re f183.75 465 112.5 0.75 re f296.25 465 0.75 0.75 re f297 465 111.75 0.75 re f408.75 465 0.75 0.75 re f409.5 465 112.5 0.75 re f522 465 0.75 0.75 re f70.5 441 0.75 24 re f70.5 440.25 0.75 0.75 re f70.5 440.25 0.75 0.75 re f71.25 440.25 111.75 0.75 re f183 441 0.75 24 re f183 440.25 0.75 0.75 re f183.75 440.25 112.5 0.75 re f296.25 441 0.75 24 re f296.25 440.25 0.75 0.75 re f297 440.25 111.75 0.75 re f408.75 441 0.75 24 re f408.75 440.25 0.75 0.75 re f409.5 440.25 112.5 0.75 re f522 441 0.75 24 re f522 440.25 0.75 0.75 re f522 440.25 0.75 0.75 re fBT71.25 429.75 TD/F0 9.75 Tf0.4342 Tc (1.) Tj9 0 TD 0 Tc 0.2895 Tw ( ) Tj2.25 0 TD 0.1742 Tc -0.3133 Tw (Previous forecast was announced on February 12, 2003.) Tj-11.25 -14.25 TD 0.4342 Tc 0 Tw (2.) Tj9 0 TD 0 Tc 0.2895 Tw ( ) Tj2.25 0 TD 0.1318 Tc 0.4462 Tw (Non-consolidated earnings forecast of Resona Holdings for the fiscal year 2002 remains the same) Tj0 -14.25 TD 0.1813 Tc -0.2668 Tw (as previously announced on November 25, 2002.) Tj-11.25 -28.5 TD /F0 10.5 Tf0.0054 Tc 0.0756 Tw ([Non-consolidated earnings forecast of Kinki Osaka Bank \(for fiscal year 2002\)]) Tj384 -14.25 TD /F0 9.75 Tf0.0101 Tc 0.2794 Tw (\(Billions of Yen\)) TjET0.898 0.898 0.898 rg 66 342 124.5 11.25 re f66 330.75 124.5 11.25 re f66 318.75 124.5 12 re f192.75 348 108 5.25 re f192.75 336.75 108 11.25 re fBT201 339 TD0 0 0 rg 0.1793 Tc -0.6398 Tw (Revised Forecast for) TjET0.898 0.898 0.898 rg 192.75 324.75 108 12 re fBT225.75 327 TD0 0 0 rg 0.0592 Tc 1.3552 Tw ( FY 2002) TjET0.898 0.898 0.898 rg 192.75 318.75 108 6 re f303 342 108.75 11.25 re fBT328.5 344.25 TD0 0 0 rg 0.2605 Tc 0.029 Tw (Change from) TjET0.898 0.898 0.898 rg 303 330 108.75 12 re fBT316.5 332.25 TD0 0 0 rg 0.2278 Tc -0.6883 Tw (Previous Forecast) TjET0.898 0.898 0.898 rg 303 318.75 108.75 11.25 re fBT312.75 321 TD0 0 0 rg 0.2359 Tc -0.6964 Tw (\(February 12, 2003\)) TjET0.898 0.898 0.898 rg 412.5 342 109.5 11.25 re fBT438.75 344.25 TD0 0 0 rg 0.2605 Tc 0.029 Tw (Change from) TjET0.898 0.898 0.898 rg 412.5 330 109.5 12 re fBT435 332.25 TD0 0 0 rg 0.2044 Tc -0.6649 Tw (Initial Forecast) TjET0.898 0.898 0.898 rg 412.5 318.75 109.5 11.25 re fBT420 321 TD0 0 0 rg 0.1943 Tc -0.6548 Tw (\(November 25, 2002\)) TjET65.25 353.25 0.75 2.25 re f65.25 354.75 0.75 0.75 re f66 354.75 124.5 0.75 re f0.898 0.898 0.898 rg 66 353.25 124.5 1.5 re f0 0 0 rg 190.5 353.25 2.25 2.25 re f190.5 353.25 2.25 2.25 re f192.75 353.25 108 2.25 re f300.75 353.25 2.25 2.25 re f300.75 353.25 2.25 2.25 re f303 354.75 108.75 0.75 re f0.898 0.898 0.898 rg 303 353.25 108.75 1.5 re f0 0 0 rg 411.75 353.25 0.75 1.5 re f411.75 354.75 0.75 0.75 re f412.5 354.75 109.5 0.75 re f0.898 0.898 0.898 rg 412.5 353.25 109.5 1.5 re f0 0 0 rg 522 353.25 0.75 2.25 re f522 354.75 0.75 0.75 re f65.25 318.75 0.75 34.5 re f190.5 318.75 2.25 34.5 re f300.75 318.75 2.25 34.5 re f411.75 318.75 0.75 34.5 re f522 318.75 0.75 34.5 re fBT82.5 302.25 TD0.169 Tc -0.2545 Tw (Gross operating profits) Tj195 0 TD 0.1316 Tc 0 Tw (93.0) Tj115.5 0 TD 0.4825 Tc (0.8) Tj104.25 0 TD 0.0408 Tc (\(1.7\)) TjET65.25 318 0.75 0.75 re f66 318 10.5 0.75 re f76.5 318 0.75 0.75 re f77.25 318 113.25 0.75 re f190.5 318 2.25 0.75 re f192.75 318 108 0.75 re f300.75 318 2.25 0.75 re f303 318 108.75 0.75 re f411.75 318 0.75 0.75 re f412.5 318 109.5 0.75 re f522 318 0.75 0.75 re f65.25 293.25 0.75 24.75 re f76.5 293.25 0.75 24.75 re f190.5 293.25 2.25 24.75 re f300.75 293.25 2.25 24.75 re f411.75 293.25 0.75 24.75 re f522 293.25 0.75 24.75 re fBT82.5 276.75 TD0.1005 Tc 0.189 Tw (Operating expenses) Tj195 0 TD 0.1316 Tc 0 Tw (64.0) Tj109.5 0 TD 0.0408 Tc (\(0.3\)) Tj120.75 0 TD 0.0033 Tc (---) TjET65.25 292.5 0.75 0.75 re f76.5 292.5 0.75 0.75 re f77.25 292.5 113.25 0.75 re f190.5 292.5 2.25 0.75 re f192.75 292.5 108 0.75 re f300.75 292.5 2.25 0.75 re f303 292.5 108.75 0.75 re f411.75 292.5 0.75 0.75 re f412.5 292.5 109.5 0.75 re f522 292.5 0.75 0.75 re f65.25 267.75 0.75 24.75 re f76.5 267.75 0.75 24.75 re f190.5 267.75 2.25 24.75 re f300.75 267.75 2.25 24.75 re f411.75 267.75 0.75 24.75 re f522 267.75 0.75 24.75 re fBT71.25 257.25 TD0.1931 Tc -0.4036 Tw (Core net operating profit) Tj0 -11.25 TD 0.0705 Tc 0.219 Tw (\(Note 1\)) Tj206.25 5.25 TD 0.1316 Tc 0 Tw (29.0) Tj115.5 0 TD 0.4825 Tc (1.1) Tj104.25 0 TD 0.0408 Tc (\(1.7\)) TjET65.25 267 0.75 0.75 re f76.5 267 0.75 0.75 re f76.5 267 0.75 0.75 re f77.25 267 113.25 0.75 re f190.5 267 2.25 0.75 re f192.75 267 108 0.75 re f300.75 267 2.25 0.75 re f303 267 108.75 0.75 re f411.75 267 0.75 0.75 re f412.5 267 109.5 0.75 re f522 267 0.75 0.75 re f65.25 242.25 0.75 24.75 re f190.5 242.25 2.25 24.75 re f300.75 242.25 2.25 24.75 re f411.75 242.25 0.75 24.75 re f522 242.25 0.75 24.75 re fBT71.25 231.75 TD0.2412 Tc -0.3268 Tw (Expenses for problem) Tj0 -11.25 TD 0.2528 Tc -0.7133 Tw (loan disposal \(Note 2\)) Tj206.25 5.25 TD 0.1316 Tc 0 Tw (93.0) Tj110.25 0 TD (31.7) Tj110.25 0 TD (27.7) TjET65.25 242.25 0.75 0.75 re f66 242.25 124.5 0.75 re f190.5 242.25 2.25 0.75 re f192.75 242.25 108 0.75 re f300.75 242.25 2.25 0.75 re f303 242.25 108.75 0.75 re f411.75 242.25 0.75 0.75 re f412.5 242.25 109.5 0.75 re f522 242.25 0.75 0.75 re f65.25 217.5 0.75 24.75 re f190.5 217.5 2.25 24.75 re f300.75 217.5 2.25 24.75 re f411.75 217.5 0.75 24.75 re f522 217.5 0.75 24.75 re fBT71.25 207 TD0.1583 Tc 0.1312 Tw (Net gains/\(losses\)) Tj0 -12 TD 0.1596 Tc -0.6201 Tw (on stocks) Tj205.5 6 TD 0.0408 Tc 0 Tw (\(6.0\)) Tj116.25 0 TD 0.4825 Tc (0.4) Tj104.25 0 TD 0.0408 Tc (\(3.7\)) TjET65.25 216.75 0.75 0.75 re f66 216.75 124.5 0.75 re f190.5 216.75 2.25 0.75 re f192.75 216.75 108 0.75 re f300.75 216.75 2.25 0.75 re f303 216.75 108.75 0.75 re f411.75 216.75 0.75 0.75 re f412.5 216.75 109.5 0.75 re f522 216.75 0.75 0.75 re f65.25 192 0.75 24.75 re f190.5 192 2.25 24.75 re f300.75 192 2.25 24.75 re f411.75 192 0.75 24.75 re f522 192 0.75 24.75 re fBT71.25 175.5 TD0.115 Tc -0.5755 Tw (Ordinary profits/\(loss\)) Tj199.5 0 TD 0.2555 Tc 0 Tw (\(55.0\)) Tj110.25 0 TD (\(30.2\)) Tj110.25 0 TD (\(36.2\)) TjET65.25 191.25 0.75 0.75 re f66 191.25 124.5 0.75 re f190.5 191.25 2.25 0.75 re f192.75 191.25 108 0.75 re f300.75 191.25 2.25 0.75 re f303 191.25 108.75 0.75 re f411.75 191.25 0.75 0.75 re f412.5 191.25 109.5 0.75 re f522 191.25 0.75 0.75 re f65.25 166.5 0.75 24.75 re f190.5 166.5 2.25 24.75 re f300.75 166.5 2.25 24.75 re f411.75 166.5 0.75 24.75 re f522 166.5 0.75 24.75 re fBT71.25 150 TD-0.0106 Tc 0.3001 Tw (Net income) Tj199.5 0 TD 0.2555 Tc 0 Tw (\(60.0\)) Tj110.25 0 TD (\(36.0\)) Tj110.25 0 TD (\(41.0\)) TjET65.25 165.75 0.75 0.75 re f66 165.75 124.5 0.75 re f190.5 165.75 2.25 0.75 re f192.75 165.75 108 0.75 re f300.75 165.75 2.25 0.75 re f303 165.75 108.75 0.75 re f411.75 165.75 0.75 0.75 re f412.5 165.75 109.5 0.75 re f522 165.75 0.75 0.75 re f65.25 141 0.75 24.75 re f65.25 140.25 0.75 0.75 re f65.25 140.25 0.75 0.75 re f66 140.25 124.5 0.75 re f190.5 141 2.25 24.75 re f190.5 138.75 2.25 2.25 re f190.5 138.75 2.25 2.25 re f192.75 138.75 108 2.25 re f300.75 141 2.25 24.75 re f300.75 138.75 2.25 2.25 re f300.75 138.75 2.25 2.25 re f303 140.25 108.75 0.75 re f411.75 141 0.75 24.75 re f411.75 140.25 0.75 0.75 re f412.5 140.25 109.5 0.75 re f522 141 0.75 24.75 re f522 140.25 0.75 0.75 re f522 140.25 0.75 0.75 re fBT71.25 127.5 TD0.4342 Tc (1.) Tj9 0 TD 0 Tc 0.2895 Tw ( ) Tj2.25 0 TD 0.1294 Tc 1.0173 Tw (Core net operating profit: Net operating profit before transfer to general reserve for possible loan) Tj0 -14.25 TD 0.2726 Tc 0 Tw (losses.) Tj-11.25 -14.25 TD /F0 10.5 Tf0.1215 Tc (2.) Tj9 0 TD 0 Tc 0.081 Tw ( ) Tj2.25 0 TD /F0 9.75 Tf0.1253 Tc -0.0088 Tw (Expenses for problem loan disposal include transfer to general reserve for possible loan losses.) TjETendstream endobj 11 0 obj 13035 endobj 4 0 obj << /Type /Page /Parent 5 0 R /Resources << /Font << /F0 6 0 R /F1 8 0 R >> /ProcSet 2 0 R >> /Contents 10 0 R >> endobj 13 0 obj << /Length 14 0 R >> stream BT294.75 52.5 TD0 0 0 rg /F0 10.5 Tf0.162 Tc 0 Tw (2) Tj-222.75 702.75 TD /F1 12 Tf0.336 Tc (R) Tj8.25 0 TD 0.018 Tc (eference) TjET71.25 767.25 0.75 0.75 re f71.25 767.25 0.75 0.75 re f72 767.25 57.75 0.75 re f129.75 767.25 0.75 0.75 re f129.75 767.25 0.75 0.75 re f71.25 752.25 0.75 15 re f129.75 752.25 0.75 15 re f71.25 751.5 0.75 0.75 re f71.25 751.5 0.75 0.75 re f72 751.5 57.75 0.75 re f129.75 751.5 0.75 0.75 re f129.75 751.5 0.75 0.75 re fBT71.25 734.25 TD/F0 10.5 Tf0.0305 Tc -0.0745 Tw (The non-consolidated earnings forecasts of Resona Bank) Tj268.5 0 TD 0 Tc 0.081 Tw ( ) Tj2.25 0 TD -0.0127 Tc 0.0938 Tw (and Saitama Resona Bank for the fiscal) Tj-270.75 -14.25 TD 0.009 Tc 0.8756 Tw (year 2002 are as follows. Projections presented herein are subject to change depending on the) Tj0 -14.25 TD -0.0039 Tc 0.0224 Tw (variance in assumptions with respect to management environment on which such projections rest.) TjT* -0.002 Tc 0.083 Tw (Projected results are based on the average stock price in February 2003 \(monthly average\).) Tj0 -28.5 TD 0.0121 Tc 0.0689 Tw ([Non-consolidated earnings forecasts \(for fiscal year 2002\)]) Tj384 -14.25 TD /F0 9.75 Tf0.0101 Tc 0.2794 Tw (\(Billions of Yen\)) TjET0.898 0.898 0.898 rg 66 632.25 124.5 11.25 re f243.75 632.25 57 11.25 re f359.25 632.25 57.75 11.25 re f474.75 632.25 57.75 11.25 re f0 0 0 rg 65.25 643.5 0.75 2.25 re f65.25 645 0.75 0.75 re f66 645 124.5 0.75 re f0.898 0.898 0.898 rg 66 643.5 124.5 1.5 re f0 0 0 rg 190.5 643.5 2.25 2.25 re f190.5 643.5 2.25 2.25 re f192.75 643.5 51 2.25 re f243.75 643.5 2.25 2.25 re f246 643.5 54.75 2.25 re f300.75 643.5 2.25 2.25 re f300.75 643.5 2.25 2.25 re f303 645 56.25 0.75 re f0.898 0.898 0.898 rg 303 643.5 56.25 1.5 re f359.25 643.5 0.75 1.5 re f0 0 0 rg 359.25 645 0.75 0.75 re f360 645 57 0.75 re f0.898 0.898 0.898 rg 360 643.5 57 1.5 re f0 0 0 rg 417 643.5 0.75 1.5 re f417 645 0.75 0.75 re f417.75 645 57 0.75 re f0.898 0.898 0.898 rg 417.75 643.5 57 1.5 re f474.75 643.5 0.75 1.5 re f0 0 0 rg 474.75 645 0.75 0.75 re f475.5 645 57 0.75 re f0.898 0.898 0.898 rg 475.5 643.5 57 1.5 re f0 0 0 rg 532.5 643.5 0.75 2.25 re f532.5 645 0.75 0.75 re f65.25 632.25 0.75 11.25 re f190.5 632.25 2.25 11.25 re f300.75 632.25 2.25 11.25 re f417 632.25 0.75 11.25 re f532.5 632.25 0.75 11.25 re f0.898 0.898 0.898 rg 66 614.25 124.5 17.25 re f66 603 124.5 11.25 re f66 585.75 124.5 17.25 re f192.75 631.5 51 12 re f192.75 620.25 51 11.25 re fBT201.75 622.5 TD0 0 0 rg 0.1349 Tc -0.5954 Tw (Total of) TjET0.898 0.898 0.898 rg 192.75 609 51 11.25 re fBT204 611.25 TD0 0 0 rg 0.1309 Tc 0 Tw (Group) TjET0.898 0.898 0.898 rg 192.75 597 51 12 re fBT204 599.25 TD0 0 0 rg 0.281 Tc (Banks) TjET0.898 0.898 0.898 rg 192.75 585 51 12 re f244.5 620.25 56.25 11.25 re fBT255.75 622.5 TD0 0 0 rg 0.3092 Tc (Change) TjET0.898 0.898 0.898 rg 244.5 608.25 56.25 12 re fBT263.25 610.5 TD0 0 0 rg 0.5625 Tc (from) TjET0.898 0.898 0.898 rg 244.5 597 56.25 11.25 re fBT253.5 599.25 TD0 0 0 rg 0.2278 Tc (Previous) TjET0.898 0.898 0.898 rg 244.5 585.75 56.25 11.25 re fBT253.5 588 TD0 0 0 rg 0.2278 Tc (Forecast) TjET0.898 0.898 0.898 rg 303 626.25 56.25 17.25 re f303 615 56.25 11.25 re fBT313.5 617.25 TD0 0 0 rg 0.1502 Tc (Resona) TjET0.898 0.898 0.898 rg 303 603.75 56.25 11.25 re fBT319.5 606 TD0 0 0 rg 0.0699 Tc (Bank) TjET0.898 0.898 0.898 rg 303 585 56.25 18.75 re f360 620.25 57 11.25 re fBT371.25 622.5 TD0 0 0 rg 0.3092 Tc (Change) TjET0.898 0.898 0.898 rg 360 608.25 57 12 re fBT378.75 610.5 TD0 0 0 rg 0.5625 Tc (from) TjET0.898 0.898 0.898 rg 360 597 57 11.25 re fBT369 599.25 TD0 0 0 rg 0.2278 Tc (Previous) TjET0.898 0.898 0.898 rg 360 585.75 57 11.25 re fBT369 588 TD0 0 0 rg 0.2278 Tc (Forecast) TjET0.898 0.898 0.898 rg 417.75 631.5 57 12 re f417.75 620.25 57 11.25 re fBT428.25 622.5 TD0 0 0 rg 0.141 Tc (Saitama) TjET0.898 0.898 0.898 rg 417.75 609 57 11.25 re fBT429 611.25 TD0 0 0 rg 0.1502 Tc (Resona) TjET0.898 0.898 0.898 rg 417.75 597 57 12 re fBT435 599.25 TD0 0 0 rg 0.0699 Tc (Bank) TjET0.898 0.898 0.898 rg 417.75 585 57 12 re f475.5 620.25 57 11.25 re fBT486.75 622.5 TD0 0 0 rg 0.3092 Tc (Change) TjET0.898 0.898 0.898 rg 475.5 608.25 57 12 re fBT494.25 610.5 TD0 0 0 rg 0.5625 Tc (from) TjET0.898 0.898 0.898 rg 475.5 597 57 11.25 re fBT484.5 599.25 TD0 0 0 rg 0.2278 Tc (Previous) TjET0.898 0.898 0.898 rg 475.5 585.75 57 11.25 re fBT484.5 588 TD0 0 0 rg 0.2278 Tc (Forecast) TjET65.25 631.5 0.75 0.75 re f0.898 0.898 0.898 rg 66 631.5 124.5 0.75 re f0 0 0 rg 190.5 631.5 2.25 0.75 re f243.75 631.5 57 0.75 re f300.75 631.5 2.25 0.75 re f359.25 631.5 0.75 0.75 re f359.25 631.5 0.75 0.75 re f360 631.5 57 0.75 re f417 631.5 0.75 0.75 re f474.75 631.5 0.75 0.75 re f474.75 631.5 0.75 0.75 re f475.5 631.5 57 0.75 re f532.5 631.5 0.75 0.75 re f65.25 585.75 0.75 45.75 re f190.5 585.75 2.25 45.75 re f243.75 585.75 0.75 45.75 re f300.75 585.75 2.25 45.75 re f359.25 585.75 0.75 45.75 re f417 585.75 0.75 45.75 re f474.75 585.75 0.75 45.75 re f532.5 585.75 0.75 45.75 re fBT82.5 569.25 TD0.169 Tc -0.2545 Tw (Gross operating profits) Tj132 0 TD 0.0711 Tc 0 Tw (756.5) Tj62.25 0 TD 0.0408 Tc (\(6.0\)) Tj53.25 0 TD 0.0711 Tc (262.0) Tj62.25 0 TD 0.0408 Tc (\(1.5\)) Tj63.75 0 TD 0.4825 Tc (8.0) Tj62.25 0 TD 0.0033 Tc (---) TjET65.25 585 0.75 0.75 re f66 585 10.5 0.75 re f76.5 585 0.75 0.75 re f77.25 585 113.25 0.75 re f190.5 585 2.25 0.75 re f192.75 585 51 0.75 re f243.75 585 0.75 0.75 re f244.5 585 56.25 0.75 re f300.75 585 2.25 0.75 re f303 585 56.25 0.75 re f359.25 585 0.75 0.75 re f360 585 57 0.75 re f417 585 0.75 0.75 re f417.75 585 57 0.75 re f474.75 585 0.75 0.75 re f475.5 585 57 0.75 re f532.5 585 0.75 0.75 re f65.25 561 0.75 24 re f76.5 561 0.75 24 re f190.5 561 2.25 24 re f243.75 561 0.75 24 re f300.75 561 2.25 24 re f359.25 561 0.75 24 re f417 561 0.75 24 re f474.75 561 0.75 24 re f532.5 561 0.75 24 re fBT82.5 544.5 TD0.1005 Tc 0.189 Tw (Operating expenses) Tj132 0 TD 0.0711 Tc 0 Tw (454.0) Tj72.75 0 TD 0.0033 Tc (---) Tj42.75 0 TD 0.0711 Tc (158.0) Tj68.25 0 TD 0.4825 Tc (0.5) Tj57.75 0 TD (7.0) Tj62.25 0 TD 0.0033 Tc (---) TjET65.25 559.5 0.75 0.75 re f76.5 559.5 0.75 0.75 re f77.25 559.5 113.25 0.75 re f190.5 559.5 2.25 0.75 re f192.75 559.5 51 0.75 re f243.75 559.5 0.75 0.75 re f244.5 559.5 56.25 0.75 re f300.75 559.5 2.25 0.75 re f303 559.5 56.25 0.75 re f359.25 559.5 0.75 0.75 re f360 559.5 57 0.75 re f417 559.5 0.75 0.75 re f417.75 559.5 57 0.75 re f474.75 559.5 0.75 0.75 re f475.5 559.5 57 0.75 re f532.5 559.5 0.75 0.75 re f532.5 559.5 0.75 0.75 re f65.25 535.5 0.75 24 re f76.5 535.5 0.75 24 re f190.5 535.5 2.25 24 re f243.75 535.5 0.75 24 re f300.75 535.5 2.25 24 re f359.25 535.5 0.75 24 re f417 535.5 0.75 24 re f474.75 535.5 0.75 24 re f532.5 535.5 0.75 24 re fBT71.25 525 TD0.1931 Tc -0.4036 Tw (Core net operating profit) Tj0 -11.25 TD 0.0705 Tc 0.219 Tw (\(Note 1\)) Tj143.25 5.25 TD 0.0711 Tc 0 Tw (302.5) Tj62.25 0 TD 0.0408 Tc (\(6.0\)) Tj53.25 0 TD 0.0711 Tc (104.0) Tj62.25 0 TD 0.0408 Tc (\(2.0\)) Tj63.75 0 TD 0.4825 Tc (1.0) Tj62.25 0 TD 0.0033 Tc (---) TjET65.25 534.75 0.75 0.75 re f76.5 534.75 0.75 0.75 re f76.5 534.75 0.75 0.75 re f77.25 534.75 113.25 0.75 re f190.5 534.75 2.25 0.75 re f192.75 534.75 51 0.75 re f243.75 534.75 0.75 0.75 re f244.5 534.75 56.25 0.75 re f300.75 534.75 2.25 0.75 re f303 534.75 56.25 0.75 re f359.25 534.75 0.75 0.75 re f360 534.75 57 0.75 re f417 534.75 0.75 0.75 re f417.75 534.75 57 0.75 re f474.75 534.75 0.75 0.75 re f475.5 534.75 57 0.75 re f532.5 534.75 0.75 0.75 re f532.5 534.75 0.75 0.75 re f65.25 510.75 0.75 24 re f190.5 510.75 2.25 24 re f243.75 510.75 0.75 24 re f300.75 510.75 2.25 24 re f359.25 510.75 0.75 24 re f417 510.75 0.75 24 re f474.75 510.75 0.75 24 re f532.5 510.75 0.75 24 re fBT71.25 500.25 TD0.2412 Tc -0.3268 Tw (Expenses for problem) Tj0 -11.25 TD 0.2528 Tc -0.7133 Tw (loan disposal \(Note 2\)) Tj143.25 5.25 TD 0.0711 Tc 0 Tw (458.0) Tj63 0 TD 0.1316 Tc (30.0) Tj52.5 0 TD 0.0711 Tc (180.0) Tj72.75 0 TD 0.0033 Tc (---) Tj57.75 0 TD (---) Tj57.75 0 TD (---) TjET65.25 509.25 0.75 0.75 re f66 509.25 124.5 0.75 re f190.5 509.25 2.25 0.75 re f192.75 509.25 51 0.75 re f243.75 509.25 0.75 0.75 re f244.5 509.25 56.25 0.75 re f300.75 509.25 2.25 0.75 re f303 509.25 56.25 0.75 re f359.25 509.25 0.75 0.75 re f360 509.25 57 0.75 re f417 509.25 0.75 0.75 re f417.75 509.25 57 0.75 re f474.75 509.25 0.75 0.75 re f475.5 509.25 57 0.75 re f532.5 509.25 0.75 0.75 re f65.25 485.25 0.75 24 re f190.5 485.25 2.25 24 re f243.75 485.25 0.75 24 re f300.75 485.25 2.25 24 re f359.25 485.25 0.75 24 re f417 485.25 0.75 24 re f474.75 485.25 0.75 24 re f532.5 485.25 0.75 24 re fBT71.25 475.5 TD0.1583 Tc 0.1312 Tw (Net gains/\(losses\)) Tj0 -12 TD 0.1596 Tc -0.6201 Tw (on stocks) Tj136.5 6 TD 0.0874 Tc 0 Tw (\(159.0\)) Tj63 0 TD 0.2555 Tc (\(50.0\)) Tj57.75 0 TD (\(50.0\)) Tj74.25 0 TD 0.0033 Tc (---) Tj57.75 0 TD (---) Tj57.75 0 TD (---) TjET65.25 484.5 0.75 0.75 re f66 484.5 124.5 0.75 re f190.5 484.5 2.25 0.75 re f192.75 484.5 51 0.75 re f243.75 484.5 0.75 0.75 re f244.5 484.5 56.25 0.75 re f300.75 484.5 2.25 0.75 re f303 484.5 56.25 0.75 re f359.25 484.5 0.75 0.75 re f360 484.5 57 0.75 re f417 484.5 0.75 0.75 re f417.75 484.5 57 0.75 re f474.75 484.5 0.75 0.75 re f475.5 484.5 57 0.75 re f532.5 484.5 0.75 0.75 re f65.25 460.5 0.75 24 re f190.5 460.5 2.25 24 re f243.75 460.5 0.75 24 re f300.75 460.5 2.25 24 re f359.25 460.5 0.75 24 re f417 460.5 0.75 24 re f474.75 460.5 0.75 24 re f532.5 460.5 0.75 24 re fBT71.25 444 TD0.115 Tc -0.5755 Tw (Ordinary profits/\(loss\)) Tj136.5 0 TD 0.0874 Tc 0 Tw (\(293.0\)) Tj63 0 TD 0.2555 Tc (\(86.0\)) Tj52.5 0 TD 0.0874 Tc (\(123.0\)) Tj69 0 TD 0.0408 Tc (\(2.0\)) Tj63.75 0 TD 0.4825 Tc (0.8) Tj62.25 0 TD 0.0033 Tc (---) TjET65.25 459 0.75 0.75 re f66 459 124.5 0.75 re f190.5 459 2.25 0.75 re f192.75 459 51 0.75 re f243.75 459 0.75 0.75 re f244.5 459 56.25 0.75 re f300.75 459 2.25 0.75 re f303 459 56.25 0.75 re f359.25 459 0.75 0.75 re f360 459 57 0.75 re f417 459 0.75 0.75 re f417.75 459 57 0.75 re f474.75 459 0.75 0.75 re f475.5 459 57 0.75 re f532.5 459 0.75 0.75 re f65.25 435 0.75 24 re f190.5 435 2.25 24 re f243.75 435 0.75 24 re f300.75 435 2.25 24 re f359.25 435 0.75 24 re f417 435 0.75 24 re f474.75 435 0.75 24 re f532.5 435 0.75 24 re fBT71.25 419.25 TD-0.0106 Tc 0.3001 Tw (Net income) Tj136.5 0 TD 0.0874 Tc 0 Tw (\(296.0\)) Tj59.25 0 TD -0.1269 Tc (\(111.0\)) Tj61.5 0 TD 0.2555 Tc (\(99.0\)) Tj63.75 0 TD 0.0408 Tc (\(2.0\)) Tj63.75 0 TD 0.4825 Tc (0.8) Tj62.25 0 TD 0.0033 Tc (---) TjET65.25 434.25 0.75 0.75 re f66 434.25 124.5 0.75 re f190.5 434.25 2.25 0.75 re f192.75 434.25 51 0.75 re f243.75 434.25 0.75 0.75 re f244.5 434.25 56.25 0.75 re f300.75 434.25 2.25 0.75 re f303 434.25 56.25 0.75 re f359.25 434.25 0.75 0.75 re f360 434.25 57 0.75 re f417 434.25 0.75 0.75 re f417.75 434.25 57 0.75 re f474.75 434.25 0.75 0.75 re f475.5 434.25 57 0.75 re f532.5 434.25 0.75 0.75 re f65.25 410.25 0.75 24 re f65.25 409.5 0.75 0.75 re f65.25 409.5 0.75 0.75 re f66 409.5 124.5 0.75 re f190.5 410.25 2.25 24 re f190.5 408 2.25 2.25 re f190.5 408 2.25 2.25 re f192.75 408 51 2.25 re f243.75 410.25 0.75 24 re f243.75 408 2.25 2.25 re f246 408 54.75 2.25 re f300.75 410.25 2.25 24 re f300.75 408 2.25 2.25 re f300.75 408 2.25 2.25 re f303 409.5 56.25 0.75 re f359.25 410.25 0.75 24 re f359.25 409.5 0.75 0.75 re f360 409.5 57 0.75 re f417 410.25 0.75 24 re f417 409.5 0.75 0.75 re f417.75 409.5 57 0.75 re f474.75 410.25 0.75 24 re f474.75 409.5 0.75 0.75 re f475.5 409.5 57 0.75 re f532.5 410.25 0.75 24 re f532.5 409.5 0.75 0.75 re f532.5 409.5 0.75 0.75 re fBT71.25 396 TD0.4342 Tc (1.) Tj9 0 TD 0 Tc 0.2895 Tw ( ) Tj2.25 0 TD 0.1511 Tc 0.3884 Tw (Core net operating profit: Net operating profit before disposal of problem loans in the trust account) Tj0 -14.25 TD 0.1221 Tc -0.0057 Tw (\(applicable only to Resona Bank\) and transfer to general reserve for possible loan losses.) Tj-11.25 -14.25 TD 0.4342 Tc 0 Tw (2.) Tj9 0 TD 0 Tc 0.2895 Tw ( ) Tj2.25 0 TD 0.1305 Tc 0.1054 Tw (Expenses for problem loan disposal include transfer to general reserve for possible loan losses and) Tj0 -14.25 TD 0.1375 Tc -0.1159 Tw (expenses in relation to the disposal in the trust account \(applicable only to Resona Bank\).) Tj-11.25 -28.5 TD /F2 9.75 Tf0 Tc 0 Tw <8145> Tj9.75 0 TD 0.375 Tw ( ) Tj6 0 TD /F0 9.75 Tf0.1569 Tc 1.3648 Tw (Forecasts for each subsidiary bank are on a non-consolidated basis. Figures in "total of group) Tj0 -14.25 TD 0.1889 Tc -0.4244 Tw (banks" are based on the estimate for Asahi Bank's full-year earnings.) Tj-15.75 -14.25 TD /F2 9.75 Tf0 Tc 0 Tw <8145> Tj9.75 0 TD 0.375 Tw ( ) Tj6 0 TD /F0 9.75 Tf0.1895 Tc -0.4357 Tw (Previous forecasts were announced on February 12, 2003.) Tj-15.75 -14.25 TD /F2 9.75 Tf0 Tc 0 Tw <8145> Tj9.75 0 TD 0.375 Tw ( ) Tj6 0 TD /F0 9.75 Tf0.1115 Tc 1.0351 Tw (Forecasts of Resona Bank are calculated by adding the full-year earnings \(12 months\) of Daiwa) Tj0 -14.25 TD 0.1314 Tc 0.6402 Tw (Bank and one-month \(for March\) earnings of Asahi Bank after the separation of Saitama Resona) TjT* 0.0867 Tc 0.2028 Tw (Bank. Asahi Bank) Tj79.5 0 TD 0.0855 Tc 0 Tw (\222) Tj2.25 0 TD 0.1594 Tc -0.2161 Tw (s business results till the end of February 2003 were succeeded to Resona Bank) Tj-81.75 -14.25 TD 0.1968 Tc -0.3894 Tw (as retained earnings at the time of the merger between Daiwa Bank and Asahi Bank.) Tj-15.75 -14.25 TD /F2 9.75 Tf0 Tc 0 Tw <8145> Tj9.75 0 TD 0.375 Tw ( ) Tj6 0 TD /F0 9.75 Tf0.0717 Tc 1.7178 Tw (Asahi Bank) Tj52.5 0 TD 0.0855 Tc 0 Tw (\222) Tj2.25 0 TD 0.1317 Tc 1.3899 Tw (s revised earnings forecast for the period from April 2002 to February 2003 are as) Tj-54.75 -14.25 TD 0.1278 Tc 0.9694 Tw (follows. The revision is due to increase in devaluation losses on equity securities accompanying) Tj0 -14.25 TD 0.1218 Tc -0.0198 Tw (decline in stock prices and increase in losses on sales of real estate.) Tj368.25 -14.25 TD 0.0101 Tc 0.2794 Tw (\(Billions of Yen\)) TjET0.898 0.898 0.898 rg 87 167.25 104.25 11.25 re f243.75 167.25 57.75 11.25 re f359.25 167.25 57.75 11.25 re f474.75 167.25 57.75 11.25 re f0 0 0 rg 86.25 178.5 0.75 0.75 re f86.25 178.5 0.75 0.75 re f87 178.5 104.25 0.75 re f191.25 178.5 0.75 0.75 re f191.25 178.5 0.75 0.75 re f192 178.5 51.75 0.75 re f243.75 178.5 0.75 0.75 re f244.5 178.5 57 0.75 re f301.5 178.5 0.75 0.75 re f301.5 178.5 0.75 0.75 re f302.25 178.5 57 0.75 re f359.25 178.5 0.75 0.75 re f360 178.5 57 0.75 re f417 178.5 0.75 0.75 re f417.75 178.5 57 0.75 re f474.75 178.5 0.75 0.75 re f475.5 178.5 57 0.75 re f532.5 178.5 0.75 0.75 re f532.5 178.5 0.75 0.75 re f86.25 167.25 0.75 11.25 re f191.25 167.25 0.75 11.25 re f301.5 167.25 0.75 11.25 re f417 167.25 0.75 11.25 re f532.5 167.25 0.75 11.25 re f0.898 0.898 0.898 rg 87 149.25 104.25 17.25 re f87 138 104.25 11.25 re f87 120.75 104.25 17.25 re f192 161.25 51.75 17.25 re f192 150 51.75 11.25 re fBT198.75 152.25 TD0 0 0 rg 0.2023 Tc 0 Tw (Ordinary) TjET0.898 0.898 0.898 rg 192 138.75 51.75 11.25 re fBT201.75 141 TD0 0 0 rg 0.1716 Tc (Income) TjET0.898 0.898 0.898 rg 192 120 51.75 18.75 re f244.5 155.25 57 11.25 re fBT255.75 157.5 TD0 0 0 rg 0.3092 Tc (Change) TjET0.898 0.898 0.898 rg 244.5 143.25 57 12 re fBT263.25 145.5 TD0 0 0 rg 0.5625 Tc (from) TjET0.898 0.898 0.898 rg 244.5 132 57 11.25 re fBT253.5 134.25 TD0 0 0 rg 0.2278 Tc (Previous) TjET0.898 0.898 0.898 rg 244.5 120.75 57 11.25 re fBT253.5 123 TD0 0 0 rg 0.2278 Tc (Forecast) TjET0.898 0.898 0.898 rg 302.25 166.5 57 12 re f302.25 155.25 57 11.25 re fBT312 157.5 TD0 0 0 rg 0.2023 Tc (Ordinary) TjET0.898 0.898 0.898 rg 302.25 144 57 11.25 re fBT319.5 146.25 TD0 0 0 rg 0.2073 Tc (Profit) TjET0.898 0.898 0.898 rg 302.25 132 57 12 re fBT317.25 134.25 TD0 0 0 rg 0.1107 Tc (\(Loss\)) TjET0.898 0.898 0.898 rg 302.25 120 57 12 re f360 155.25 57 11.25 re fBT371.25 157.5 TD0 0 0 rg 0.3092 Tc (Change) TjET0.898 0.898 0.898 rg 360 143.25 57 12 re fBT378.75 145.5 TD0 0 0 rg 0.5625 Tc (from) TjET0.898 0.898 0.898 rg 360 132 57 11.25 re fBT369 134.25 TD0 0 0 rg 0.2278 Tc (Previous) TjET0.898 0.898 0.898 rg 360 120.75 57 11.25 re fBT369 123 TD0 0 0 rg 0.2278 Tc (Forecast) TjET0.898 0.898 0.898 rg 417.75 161.25 57 17.25 re f417.75 150 57 11.25 re fBT425.25 152.25 TD0 0 0 rg 0.2025 Tc 0.087 Tw (Net Profit) TjET0.898 0.898 0.898 rg 417.75 138.75 57 11.25 re fBT432.75 141 TD0 0 0 rg 0.1107 Tc 0 Tw (\(Loss\)) TjET0.898 0.898 0.898 rg 417.75 120 57 18.75 re f475.5 155.25 57 11.25 re fBT486.75 157.5 TD0 0 0 rg 0.3092 Tc (Change) TjET0.898 0.898 0.898 rg 475.5 143.25 57 12 re fBT494.25 145.5 TD0 0 0 rg 0.5625 Tc (from) TjET0.898 0.898 0.898 rg 475.5 132 57 11.25 re fBT484.5 134.25 TD0 0 0 rg 0.2278 Tc (Previous) TjET0.898 0.898 0.898 rg 475.5 120.75 57 11.25 re fBT484.5 123 TD0 0 0 rg 0.2278 Tc (Forecast) TjET86.25 166.5 0.75 0.75 re f0.898 0.898 0.898 rg 87 166.5 104.25 0.75 re f0 0 0 rg 191.25 166.5 0.75 0.75 re f243.75 166.5 57.75 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Tj9 0 TD 0 Tc 0.2895 Tw ( ) Tj12 0 TD 0.1895 Tc -0.4357 Tw (Previous forecasts were announced on February 12, 2003.) Tj0 -14.25 TD 0.1308 Tc -0.0913 Tw (The planned capital increase of approximately 100 billion yen is reflected in the above projection of) TjT* 0.113 Tc -0.1985 Tw (capital adequacy ratio.) Tj-21 -14.25 TD 0.4342 Tc 0 Tw (2.) Tj9 0 TD 0 Tc 0.2895 Tw ( ) Tj12 0 TD 0.1324 Tc -0.0304 Tw (Consolidated capital adequacy ratio \(Japanese domestic standard\) of Resona Holdings at the end) Tj0 -14.25 TD 0.1217 Tc 0.0493 Tw (of March 2003 is estimated to be in the latter half of 6% level \(previous forecast was in the former) TjT* 0.1873 Tc -0.1478 Tw (half of 7% level\).) 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79.5 6 re f298.5 464.25 78.75 6 re f298.5 453 78.75 11.25 re fBT307.5 455.25 TD0 0 0 rg 0.1931 Tc 0.0964 Tw (Resona Bank) TjET0.898 0.898 0.898 rg 298.5 447.75 78.75 5.25 re f378 469.5 79.5 0.75 re f378 458.25 79.5 11.25 re fBT399.75 460.5 TD0 0 0 rg 0.141 Tc 0 Tw (Saitama) TjET0.898 0.898 0.898 rg 378 447 79.5 11.25 re fBT387.75 449.25 TD0 0 0 rg 0.1931 Tc 0.0964 Tw (Resona Bank) TjET0.898 0.898 0.898 rg 458.25 469.5 79.5 0.75 re f458.25 458.25 79.5 11.25 re fBT471.75 460.5 TD0 0 0 rg 0.1694 Tc -0.6299 Tw (Kinki Osaka) TjET0.898 0.898 0.898 rg 458.25 447 79.5 11.25 re fBT486.75 449.25 TD0 0 0 rg 0.0699 Tc 0 Tw (Bank) TjET65.25 469.5 0.75 0.75 re f217.5 469.5 0.75 0.75 re f297.75 469.5 0.75 0.75 re f297.75 469.5 0.75 0.75 re f298.5 469.5 78.75 0.75 re f377.25 469.5 0.75 0.75 re f378 469.5 79.5 0.75 re f457.5 469.5 0.75 0.75 re f458.25 469.5 79.5 0.75 re f537.75 469.5 0.75 0.75 re f65.25 447 0.75 22.5 re f217.5 447 0.75 22.5 re f297.75 447 0.75 22.5 re f377.25 447 0.75 22.5 re f457.5 447 0.75 22.5 re f537.75 447 0.75 22.5 re fBT82.5 431.25 TD0.169 Tc -0.2545 Tw (Gross operating profits) Tj186 0 TD 0.0711 Tc 0 Tw (780.0) Tj79.5 0 TD (545.0) Tj80.25 0 TD (108.0) Tj85.5 0 TD 0.1316 Tc (92.0) TjET65.25 446.25 0.75 0.75 re f66 446.25 10.5 0.75 re f76.5 446.25 0.75 0.75 re f77.25 446.25 140.25 0.75 re f217.5 446.25 0.75 0.75 re f218.25 446.25 79.5 0.75 re f297.75 446.25 0.75 0.75 re f298.5 446.25 78.75 0.75 re f377.25 446.25 0.75 0.75 re f378 446.25 79.5 0.75 re f457.5 446.25 0.75 0.75 re f458.25 446.25 79.5 0.75 re f537.75 446.25 0.75 0.75 re f65.25 422.25 0.75 24 re f76.5 422.25 0.75 24 re f217.5 422.25 0.75 24 re f297.75 422.25 0.75 24 re f377.25 422.25 0.75 24 re f457.5 422.25 0.75 24 re f537.75 422.25 0.75 24 re fBT82.5 405.75 TD0.1059 Tc 0.1836 Tw (General expenses) Tj186 0 TD 0.0711 Tc 0 Tw (464.0) Tj79.5 0 TD (315.0) Tj85.5 0 TD 0.1316 Tc (76.0) Tj80.25 0 TD (61.0) TjET65.25 421.5 0.75 0.75 re f76.5 421.5 0.75 0.75 re f77.25 421.5 140.25 0.75 re f217.5 421.5 0.75 0.75 re f217.5 421.5 0.75 0.75 re f218.25 421.5 79.5 0.75 re f297.75 421.5 0.75 0.75 re f298.5 421.5 78.75 0.75 re f377.25 421.5 0.75 0.75 re f378 421.5 79.5 0.75 re f457.5 421.5 0.75 0.75 re f458.25 421.5 79.5 0.75 re f537.75 421.5 0.75 0.75 re f537.75 421.5 0.75 0.75 re f65.25 397.5 0.75 24 re f76.5 397.5 0.75 24 re f217.5 397.5 0.75 24 re f297.75 397.5 0.75 24 re f377.25 397.5 0.75 24 re f457.5 397.5 0.75 24 re f537.75 397.5 0.75 24 re fBT71.25 381 TD0.1931 Tc -0.4036 Tw (Core net operating profit) Tj197.25 0 TD 0.0711 Tc 0 Tw (316.0) Tj79.5 0 TD (230.0) Tj85.5 0 TD 0.1316 Tc (32.0) Tj80.25 0 TD (31.0) TjET65.25 396 0.75 0.75 re f76.5 396 0.75 0.75 re f76.5 396 0.75 0.75 re f77.25 396 140.25 0.75 re f217.5 396 0.75 0.75 re f217.5 396 0.75 0.75 re f218.25 396 79.5 0.75 re f297.75 396 0.75 0.75 re f298.5 396 78.75 0.75 re f377.25 396 0.75 0.75 re f378 396 79.5 0.75 re f457.5 396 0.75 0.75 re f458.25 396 79.5 0.75 re f537.75 396 0.75 0.75 re f537.75 396 0.75 0.75 re f65.25 372 0.75 24 re f217.5 372 0.75 24 re f297.75 372 0.75 24 re f377.25 372 0.75 24 re f457.5 372 0.75 24 re f537.75 372 0.75 24 re fBT82.5 355.5 TD0.1767 Tc -0.2622 Tw (Credit related expenses) Tj186 0 TD 0.0711 Tc 0 Tw (140.0) Tj79.5 0 TD (108.0) Tj85.5 0 TD 0.1316 Tc (17.0) Tj80.25 0 TD (16.0) TjET65.25 371.25 0.75 0.75 re f76.5 371.25 0.75 0.75 re f76.5 371.25 0.75 0.75 re f77.25 371.25 140.25 0.75 re f217.5 371.25 0.75 0.75 re f218.25 371.25 79.5 0.75 re f297.75 371.25 0.75 0.75 re f298.5 371.25 78.75 0.75 re f377.25 371.25 0.75 0.75 re f378 371.25 79.5 0.75 re f457.5 371.25 0.75 0.75 re f458.25 371.25 79.5 0.75 re f537.75 371.25 0.75 0.75 re f65.25 347.25 0.75 24 re f76.5 347.25 0.75 24 re f217.5 347.25 0.75 24 re f297.75 347.25 0.75 24 re f377.25 347.25 0.75 24 re f457.5 347.25 0.75 24 re f537.75 347.25 0.75 24 re fBT71.25 330.75 TD0.1379 Tc -0.5985 Tw (Ordinary profits) Tj198 0 TD -0.0789 Tc 0 Tw (118.0) Tj84 0 TD 0.1316 Tc (74.0) Tj81 0 TD -0.0559 Tc (11.0) Tj79.5 0 TD 0.1316 Tc (13.0) TjET65.25 345.75 0.75 0.75 re f66 345.75 10.5 0.75 re f76.5 345.75 0.75 0.75 re f77.25 345.75 140.25 0.75 re f217.5 345.75 0.75 0.75 re f218.25 345.75 79.5 0.75 re f297.75 345.75 0.75 0.75 re f298.5 345.75 78.75 0.75 re f377.25 345.75 0.75 0.75 re f378 345.75 79.5 0.75 re f457.5 345.75 0.75 0.75 re f458.25 345.75 79.5 0.75 re f537.75 345.75 0.75 0.75 re f65.25 321.75 0.75 24 re f217.5 321.75 0.75 24 re f297.75 321.75 0.75 24 re f377.25 321.75 0.75 24 re f457.5 321.75 0.75 24 re f537.75 321.75 0.75 24 re fBT71.25 306 TD0.0121 Tc 0.2774 Tw (Net Income) Tj197.25 0 TD 0.0711 Tc 0 Tw (105.0) Tj84.75 0 TD 0.1316 Tc (77.0) Tj85.5 0 TD 0.4825 Tc (6.0) Tj80.25 0 TD (8.0) TjET65.25 321 0.75 0.75 re f66 321 151.5 0.75 re f217.5 321 0.75 0.75 re f218.25 321 79.5 0.75 re f297.75 321 0.75 0.75 re f298.5 321 78.75 0.75 re f377.25 321 0.75 0.75 re f378 321 79.5 0.75 re f457.5 321 0.75 0.75 re f458.25 321 79.5 0.75 re f537.75 321 0.75 0.75 re f65.25 297 0.75 24 re f65.25 296.25 0.75 0.75 re f65.25 296.25 0.75 0.75 re f66 296.25 151.5 0.75 re f217.5 297 0.75 24 re f217.5 296.25 0.75 0.75 re f218.25 296.25 79.5 0.75 re f297.75 297 0.75 24 re f297.75 296.25 0.75 0.75 re f298.5 296.25 78.75 0.75 re f377.25 297 0.75 24 re f377.25 296.25 0.75 0.75 re f378 296.25 79.5 0.75 re f457.5 297 0.75 24 re f457.5 296.25 0.75 0.75 re f458.25 296.25 79.5 0.75 re f537.75 297 0.75 24 re f537.75 296.25 0.75 0.75 re f537.75 296.25 0.75 0.75 re fBT71.25 285 TD0.1399 Tc 0.9438 Tw (* Figures are estimation at this point and will be announced again when the financial results for the) Tj5.25 -14.25 TD 0.1424 Tc -0.0404 Tw (fiscal year 2002 are released.) 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