ANNUAL REPORT 2004

	Consolidated Financial Highlights (42k)
	Message from the Management (67k)
	Message from the President (145k)
	2nd Medium-Term Business Plan for the 21st Century (28k)
	2nd Medium-Term Business Plan for the 21st Century Strengthen Earnings by Reforming Our Business Model (57k)
	Fiscal 2003 Highlights (129k)
	Risk Management Corporate Governance Compliance (49k)
	Shiga Bank's CSR Commitment CSR Highlights (106k)
	Organization Chart Board of Directors (47k)

FINANCIAL SECTION
		Consolidated Five-Year Summary (39k)
		Financial Review (consolidated basis) (73k)
		Consolidated Balance Sheets (38k)
		Consolidated Statements of Incom (35k)
		Consolidated Statements of Shareholder's Equity (35k)
		Consolidated Statements of Cash Flows (38k)
		Notes to Consolidated Financial Statements (82k)
		Report of Independent Auditors (66k)
		Non-Consolidated Balance Sheets (for reference) (35k)
		Non-Consolidated Statements of Income and Retained Earnings (35k)

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