At March 31, 2000
and 2001, the reserve funds maintained by the Group, which are included in Cash and Due from Banks and
Interest-earning Deposits in Other Banks, were ¥533,075 million and ¥474,896 million, respectively. Average
reserves during the years ended March 31, 2000 and 2001 were ¥524,100 million and ¥490,366 million,
respectively.
Collateral