TOP PAGEMESSAGE FROM THE PRESIDENTTHE YEAR IN REVIEW
FINANCIAL SECTIONONGOING INITIATIVESFINANCIAL SECTION
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FINANCIAN DATA

The Kiyo Bank, Ltd. and Consolidated Subsidiaries
Consolidated Financial Statements (Years Ended March 31, 2005, 2004 and 2003)

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Message from the President / Business integration with Wakayama Bank / The Year in Review / Current Topics
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