PROFILE

The Kiyo Bank, Ltd. is a regional bank headquartered in Wakayama City, in the southern part of the Kansai district. Our principal operating area covers Wakayama Prefecture and the adjacent Senshu area of Osaka Prefecture. Since our establishment in 1895, we have been guided by the philosophy of fostering both sound management and close ties with the region, and we are always striving to earn the increased trust of our customers.
Japanese banks are operating in an environment that is changing significantly, due to such factors as a transformation in the structure of the economy and ongoing financial deregulations. To contribute to the extensive development of the region, we are expanding the scope of our business and working to perfect our financial services, while pursuing enhanced management efficiency and reinforcing our corporate structure.


• Board of Directors and Corporate Auditors
• Organization
• Outline of the Bank
• Stock Information
• Service Network

President	Hiroomi Katayama
Senior Managing Director	Hiroshi Hayashi
Managing Directors	Tetsuhiko Koide Takashi Hayama Seii Okada Chiaki Takigawa
Directors	Masahiro Azuma Yasuaki Kinoshita Hitoshi Saika
Standing Corporate Auditors	Ichiro Kabuchi Susumu Yonesaka
Corporate Auditors	Masanori Matsukawa Minoru Masuo
Executive Officers	Susumu Tamai Akio Sakamoto

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Organization (as of June 29, 2004)

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Outline of the Bank

Founded Head Office Total Assets Equity Ratio Number of Employees

May 2, 1895 35, Honmachi 1-chome, Wakayama 640-8656, Japan ¥2,805,297million           7.72%         1,725

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Shares Issued and Outstanding:

Common Stock	404,590,395
Preferred Stock	49,165,000

Major Sareholders:

Common Stock	Number of Share Holding (Thousands)	Percentage of Voting Rights (%)
Tsutomu Maruyama	13,500	3.33
UFJ Bank Limited	12,591	3.11
Kiyo Bank Employee Stock Holding Association	9,454	2.33
Japan Trustee Services Bank, Ltd. (Trust Account)	7,450	1.84
The Bank of Tokyo-Mitsubishi Ltd.	6,700	1.65
Sompo Japan Insurance Inc.	6,499	1.60
The Nomura Trust Banking Co., Ltd. (Trust Account)	5,123	1.26
The Meiji Yasuda Mutual Life Insurance Co.	5,074	1.25
Nankai Electric Railway Co., Ltd.	4,666	1.15
Shinsei Bank, Ltd.	4,422	1.09
Total	75,482	18.65

Number of Shareholders

Common Stock	16,347
Preferred Stock	742

Stock Listings:	1st Section Tokyo Stock Exchange
	1st Section Osaka Securities Exchange
Share Trading Lot:	1,000
Settlement Date:	March 31
Certified Public Accountants:	AZSA & Co.

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Service Network

Head Office P.O.Box 21, 35, Honmachi 1-chome, Wakayama 640-8656, Japan Telephone: 073-423-9111 Facsimile: 073-432-1220   Head office International Department 35, Honmachi 1-chome, Wakayama 640-8656, Japan Telephone: 073-426-7156 Telex: J29606 KIYOBANK Facsimile: 073-426-0540 S.W.I.F.T.: KIYO JP JT Offices Handling International Business Business Department, Head Office 35, Honmachi 1-chome, Wakayama 640-8656 Telephone: 073-423-9111 Facsimile: 073-432-1220 Kainan-Ekimae Branch 533-1, Nadaka, Kainan, Wakayama 642-0032 Telephone: 073-482-3145 Facsimile: 073-483-3394 Kainan-Higashi Branch 1741-1, Sakai, Kainan, Wakayama 642-0024 Telephone: 073-487-1028 Facsimile: 073-487-2609 Gobo Branch 378-3, Sono, Gobo, Wakayama 644-0002 Telephone: 0738-23-1211 Facsimile: 0738-23-3116 Minabe Branch 445-1, Shiba, Minabe-cho, Hidaka-gun, Wakayama 645-0002 Telephone: 0739-72-2510 Facsimile: 0739-72-5303 Tanabe Branch 24, Sakaemachi, Tanabe, Wakayama 646-0048 Telephone: 0739-22-6000 Facsimile: 0739-25-5082

Hagurazaki Branch 1-25, Hagurazaki 1-chome, Izumisano, Osaka 598-0046 Telephone: 0724-66-2111 Facsimile: 0724-65-5810 Kishiwada Branch 8-17, Kamino-cho Higashi, Kishiwada, Osaka 596-0047 Telephone: 0724-39-0181 Facsimile: 0724-36-2490 Senboku Branch 8-30, Ayazono 7-chome, Takaishi, Osaka 592-0014 Telephone: 072-263-7101 Facsimile: 072-265-3947 Sakai Branch 1-10, Ichino-cho Higashi 1-cho, Sakai, Osaka 590-0952 Telephone: 072-221-1212 Facsimile: 072-221-8673   Sakai Branch Sumiyoshi Branch 29-15, Shimizugaoka 2-chome, Sumiyoshi-ku, Osaka 558-0033 Telephone: 06-6673-6661 Facsimile: 06-6674-4061 Osaka Branch 1-43, Dojima 2-chome, Kita-ku, Osaka 530-0003 Telephone: 06-6343-1122 Facsimile: 06-6343-0459 Tokyo Branch 5, Kanda Ogawamachi 2-chome, Chiyoda-ku, Tokyo 101-0052 Telephone: 03-3291-1871 Facsimile: 03-3291-1869