Non-Consolidated Data　(As of March 31, 2004)

Date of Establishment

May 1, 1948

Paid-in Capital

Total Assets

Number of Employees

1,237

Number of Offices
(including Head Office and Sub-branches)

68

Number of Off-branch ATMs and CDs

5,210 (including 5,040 e-Net ATMs)

Number of Shareholders

10,245

Stock Listings

Tokyo Stock Exchange & Fukuoka Stock Exchange

Service Network　(As of July 1, 2003)

Head Office and Securities & International Department

11-1, Kumoji 1-chome (P.O. Box 310), Naha, Okinawa 900-0015, Japan

Telex: J79827

Phone: 098-866-1212

Fax: 098-863-8504

SWIFT: RYUB JPJZ

Tokyo Branch

Kanda 21 Building 4F, 2-2-16, Kandata-cho, Chiyoda-ku, Tokyo 101-0046, Japan

Phone: 03-5296-8611

Fax: 03-5296-8616

Board of Directors　(As of June 29, 2004)

Ryukyu Leasing Co., Ltd.
7-1, Kumoji 1-chome, Naha, Okinawa 900-0015, Japan
Phone: 098-866-5500
Established: May 1972
Paid-in Capital:￥346 million
Line of Business: General leasing

Ryugin Hosho Co., Ltd.*
7-1, Kumoji 1-chome, Naha, Okinawa 900-0015, Japan
Phone: 098-868-5188
Established: July 1979
Paid-in Capital: ￥20 million
Line of Business: Housing loans, debt guaranty and insurance agency

Ryugin Business Service Co., Ltd.*
9-17, Kumoji 1-chome, Naha, Okinawa 900-0015, Japan
Phone: 098-863-4572
Established: September 1983
Paid-in Capital: ￥10 million
Line of Business: Cash inspection and arrangement, Cash Dispenser/ATM management and maintenance

Ryugin DC Co., Ltd.*
7-1, Kumoji 1-chome, Naha, Okinawa 900-0015, Japan
Phone: 098-862-1525
Established: April 1984
Paid-in Capital: ￥20 million
Line of Business: Credit cards, financing

Ryugin Sogo Kanri Co., Ltd.*
11-1, Kumoji 1-chome, Naha, Okinawa 900-0015, Japan
Phone: 098-860-3454
Established: December 1995
Paid-in Capital: ￥150 million
Line of Business: Holding and sale of real estate acquired in relation to loans extended by the Bank

Ryugin Office Service Co., Ltd.*
4-1-1, Uchima, Urasoe, Okinawa 901-2121, Japan
Phone: 098-876-7130
Established: June 1999
Paid-in Capital: ￥10 million
Line of Business: Clerical services

*Consolidated subsidiaries